Analyzing Banking Profiles Essay Example | Topics and Well Written Essays - 500 words

Analyzing Banking Profiles - Essay Example The core capital has also shown similar pattern, which has increased from 7.47% in 2008 to 8.99% in 2010. The capital ratio stands at 11.39% in 2010 when compared to 8% in 2006. The number of institutions reporting to the FDIC has decreased from 8833 institutions in the year 2005 to 7760 institutions in 2010. The number of problem institutions has increased drastically on a year on year basis from 552 in 2009 to 860 in 2010. The number of failed institutions has also increased to 127 institutions in 2010 from just 3 institutions in the year 2007. Possible reasons for the observed changes in the banking industry Bank’s return on assets which refers to net income as a percentage of total assets, increased which suggests that the banking industry is able to garner more interest income with rise in demand for loans with reducing cost of funds, therefore sustaining revenues and improving asset quality. In relation with the core capital ratio, Tier 1 capital can absorb losses withou t a bank being required to cease its functioning. Therefore increase in core capital ratio indicates the health of the banking industry is improving considerably. The banking industry is giving prime importance to strengthen the Tier 1 level of capital.

Art and craft Coursework Example | Topics and Well Written Essays - 500 words

Art and craft - Coursework Example At later stages, art and craft required more than just painting and drawing, but creativity, planning, design and patience. Introduction of drawing competitions among pupils acted as an extrinsic motivation to pay keen attention to the art of drawing, painting and designing while borrowing heavily from the environment. The most important thing was to communicate through various paintings and molding. A distinction was only attained through the uniqueness and application of basic arts and craft skills to attain originality in all projects of arts (Craft et al., 2007). Art and craft were taught basing on age and grade level. For instance, at lower elementary school level, pupils were tested on the ability to identify different art tools such as colours and use their psychomotor skills to create pictures as well as models according to instructions of the teacher. However, at a higher level, most art and craft lessons required use creativity, planning, accuracy and speed to come up with drawings and models that exhibited maturity and concrete expression of ideas. It was expected of the pupils to apply all the basics of arts and craft in every activity. Grading was done for pupils at the same level basing on their abilities to express their concepts through art in the most comprehensive and original manner using the available resource Art and craft goes beyond decoration of ideas and environment to imparting lifelong skill that a child will always find useful through his or her experience. Although the prime purpose of art and craft is to facilitate learning of various disciplines in school, so many benefits come along. Most of these benefits become part of the life of a child through adulthood (Craft et al., 2007). For instance, art and craft, promote life skills such as; visual-processing abilities such as pattern identification, spatial rotation and discovering of