Marketing Management First Assessment Essay Example | Topics and Well Written Essays - 2000 words

Marketing Management First Assessment - Essay Example Virginia Community Capital Inc. is however unique because it is a non-profit motivated bank. The bank target mostly low income and middle income earning individuals to empower them. While at this, the bank often earn considerable amount of profit that is majorly given back to the community with regard to communal services (Savitz, 2013 p.12). This is the first pillar of the Triple Bottom Line analysis that is to be employed to analyze the overall performance of Virgin Community Capital Inc. (VCC). The bank’s greatest source is the interests it earns from the loans it advances to the community for various activities they take. VCC is approximated to have issued out loans worth a total of $419 million. Below is analysis of the financial statement that reveals the ideal position of the organization (Chhabra, D., 2010 p.13). The bank is believed to have reported an earnings ratio of about 66% in the year 2012. This is higher than the 35% registered in 2011. This implies that the expense of interest increased more than the increase of the interest earned by the bank. Deposition amount obviously was higher than the amount of loans in the year before. This depicts that at that particular juncture; the bank was working towards a negative ground and was registering a loss (Savitz, 2013 p.13). This is also portrayed by a trend analysis whereby the income interest increased as from the year before, 2011, 50%, compared to a lesser value in 2012, 17%. However, the interest from expense rose from 65% to 121% by 2012. It is prudent to note that the profit ratio is seen to have increased from 0.056 to 0.072 and is an indicator that bank is self sustainable due to the earned profit. The provision rate of loans in VCC is seen to have gone down. This depict that solvency of the bank in situations of default would be prudent since the bank is at less riskier loans in the current year. This is clear when you look at the decreasing loan loss provision ratio

Esaay 1 Essay Example | Topics and Well Written Essays - 1250 words

Esaay 1 - Essay Example Intelligence and Analysis are, thus, horses of different colors that serve in a symbiotic relationship to broaden the meaning and functionality of ideas that so important to every nation the world over. This paper endeavors to dig deep into this very important relationship, explaining the dynamics involved in creating suitable solutions adopted in policy making, how analysis infiltrates intelligence reports as a corrective agent, the effect of analysis in driving home accuracy levels in intelligence reports, and the very impact of intelligent analysis in policy legislation successes and/or failure. In their piece titled â€Å"Intelligence: The Secret World of Spies: An Anthology,† Johnson and Wirtz defines Intelligence Cycle as â€Å"the process by which information is gathered, analyzed, and converted into usable intelligence data to affect policy changes† (5). Intelligence Cycle, therefore, runs through several processing processes that incorporate planning, data collection, analysis and subsequent breakdown, and lastly, the production and dissemination of information into usable forms or rather to be acted upon. Noteworthy, Intelligence Cycles, as the two scholars argues, is fitted with analytical mechanics right from the initiation processes of pooling/assemblage of information to the presentation of final reports for policymaking; a clear indication of the complementarity functioning of Intelligence cycle and the analysis cycle tasks. The accuracy of intelligence reports always serves as a critical element to inform whether such should be acted upon or not right from the beginning. Accordingly, it takes critical analysis to collect data, visual or otherwise, by intelligence officers, translate those that so requires, in order to tighten any loose ends and/or provide accurate report/description of a case under investigation. In