There are a couple of methods that First National Bank can use in order to compete with other banks in south Africa, such as :
- Increasing their interest rates for saving to gain more mass deposits from the mass
- By creating a couple of regulations that could invite more capital to the bank (such as giving a car if you deposit an xxxxx amount within 1 year)
- Expanding their subsidiaries not only in South Africa, but also to neighborhood countries to increase the net income
Pre-tax cost of debt is calculated as -
Yield to maturity = [ Coupon payment + ( Face value - Price) / Number of periods ] / [ ( Face value - Price) / 2 ]
Coupon payment = 9.6 % / 2 * 1000 = $ 48
Face Value = 1000
Price = 113.5 % * $ 1000 = $ 1135
Number of periods = 20 (i.e. 10 years *2 )
Yield to maturity = [ $ 48 + ( $ 1000 - $ 1135) / 20] / [ ($ 1000 + $ 1135) /2 ]
Yield to maturity = 3.86 %
Annual yield to maturity = 3.86 % * 2 = 7.72 %
Answer:
The correct answer is B
Explanation:
Human resources are the one which is used for both the department who is responsible for managing the resources in relation to the employees and the people who work for the company or firm.
It is umbrella, the term which is used to define the development as well as the management of the employees in the business or firm.
So, Amy opened a business, for that she needs assistance with the projects so require to have the human resource management facilitating function, which she is practicing.
Answer:
The reason why it is statisticaly misleading is because, while it is true that the average fee is $73 (the median value in statistical terms), averages are a statistical measure that is very sensitive to extreme values.
That is to say, if a value is very high, or very low, the statistical mean will be biased.
We can see this in the question. Three values are higher than the average, and relatively close: $85, $92, and $107. The third value, however, is way lower, at only $8. This extreme low value alters the median value, making it biased and misleading.
