Three Strategies or Practices Identified in the Chapter Free Essays

Talk about three techniques or practices recognized in the section that you feel are generally significant in arranging, creating, and reexamining proficient archives. Which of these do you use? Which some portion of the procedure do you invest more energy in: amending, altering, or editing? Why? The three most significant practices in arranging, creating, and modifying proficient reports are: - Analyzing the issue, characterizing the motivation behind the record, and breaking down my crowd. - Provide precise, succinct, and complete data. We will compose a custom paper test on Three Strategies or Practices Identified in the Chapter or on the other hand any comparative point just for you Request Now Getting input from another person. Before starting an archive you should evaluate the reason for your composition, and who your crowd is. When you recognize what you are expounding on, and whom you are composing it to, at that point starts the definition of thoughts. I for one first survey archives that identify with the subject and make key focuses to remember for my composition. After you start making a manner of thinking lined up with your composition, start free composition. During your free creative cycle, do whatever it takes not to go astray from your focuses. Give precise data, be brief and forthright, and complete your considerations. Since you believe you have drafted all the fitting key focuses, and all the data you needed to incorporate, start inspecting. During this audit procedure, check for syntactic blunders, succinctness, and that your contemplations are conveyed for clear understanding. Since you believe you have made an expert archive, put it under serious scrutiny. Generally significant for me, is letting another person read it. You may get some analysis, however preferable by one individual over an enormous number of perusers. As of now you can make the proper changes, and feel progressively sure about the message you are transferring. All the strategies I referenced is the procedure I use to make composing records. These means were useful in my prosperity as a capable essayist. Editing is the most significant viewpoint, and what I invest a large portion of my energy in. This is your last opportunity to intrigue your peruser and ensure your composing speaks to you, and demonstrates your responsibility to your work. Storage, K. O. , Kienzler, D. S. (2010). Business and Administrative Communication. New York, NY: McGraw-Hill/Irwin. The most effective method to refer to Three Strategies or Practices Identified in the Chapter, Essay models

Perks Of Being A Wallflower Essays - Mental Illness In Fiction

Advantages Of Being A Wallflower I truly delighted in perusing the book. I preferred the manner in which it was composed basically. Charlie's letters are as private as a journal as he shares his everyday contemplations and sentiments. You can some way or another truly become acquainted with the storyteller - Charlie - and you feel like he is composing every one of these letters to you. That is very fascinating. However there are fairly unreasonable tones, which I saw some time subsequent to perusing the book, in light of the fact that my early introduction was the means by which inconceivably sensible it was. Charlie is just depicted as the decent, honest young person. He does a few things wrong, yet at long last is close to consummate. Despite the fact that he is messed up, your sympathy for Charlie is overpowering, and you appear to overlook that the book doesn't appear that genuine. In addition, as I would like to think a portion of the letters are as well scholarly. Anyway I despite everything think the book is clever, valid and entirely pitiful. 2. The language was casual and straightforward. 3. There are heaps of dazzling parts, however the one I loved most is when Charlie is telling a sonnet at a Christmas celebration to every one of his companions. I adored the sonnet on the grounds that it is that miserable at the same time, be that as it may, valid, I think. It is tied in with growing up and how things change when you are not any longer the dazzling little kid yet have gotten a youthful grown-up. As I would like to think it is written in an extremely dismal, all things considered decent way. Later on Charlie discovers the sonnet was composed by a kid not long before he executed himself. He feels extremely tragic about this. 4. The advantages of being a introvert is the account of what it resembles to experience childhood in secondary school. Charlie, a 15-year-old green bean, is composing letters who spread his first year in secondary school to an obscure individual. Charlie experiences similar battles that numerous children need to look in secondary school - how to make companions, family strains, a first relationship, exploring different avenues regarding drugs - however he likewise needs to manage his closest companion's ongoing self destruction. With the assistance of an educator who perceives his instinct , and his two more seasoned companions, the seniors Patrick and Samantha, Charlie starts to be mollified with his life. However not for quite a while - discouraged when every one of his companions get ready for school, Charlie has a mental breakdown, which settle itself conveniently and uncovers a since a long time ago stifled truth about his Aunt Helen. By the by, he makes it back in due time, prepared to confront his sophomore year and all it might bring. 5. In this book there isn't generally a peak in light of the fact that Charlie just tells about his life. Despite the fact that there happen a few significant things that change his life a great deal. One of them is the point at which Charlie's first relationship with Mary-Elizabeth, an old buddy of Sam, closes hopelessly in light of the fact that Charlie remains enthusiastically legitimate about the way that he really adores Sam and not Mary-Elizabeth. That harms Mary-Elizabeth definitely, and by one way or another the entire gathering of his companions pretty much wouldn't like to see him for around one month. By the time Charlie acknowledges how he did Mary-Elizabeth off-base and jeopardized the fellowship of Sam and her. He begins to perceive how much his companions truly mean to him and the amount he needs them. Charlie recollects the start of the year, before he became acquainted with Sam and Patrick, and how desolate he felt at that point - so forlorn that he began composing letters to an obscure individual. He discovers what kinship truly implies. That was very intriguing and I truly could sympathize with Charlie. 6. The completion truly shocked me. You could see from Charlie's letters that he was depressed, yet I never figured he would have such a breakdown and need to go to medical clinic for two months. 7. I think Charlie was here and there like me. I didn't despise anybody of the characters, they were all quite thoughtful, I think. Charlie: Charlie is the third kid in a white collar class family. His more established sibling plays football at Penn State and his more established sister stresses significantly over young men. Charlie goes to secondary school, he is a first year recruit and in no way, shape or form famous. He is a timid kid, independent and without any problem affected. Patrick and Sam think he is a loner. He is likewise very na?ve and fair, which makes him a ton of issues later on. Charlie is a mastermind, yet he thinks excessively, which some of the time prompts

Stuttering and Social Anxiety Disorder Connections

Stuttering and Social Anxiety Disorder Connections Social Anxiety Disorder Coping Print Stuttering and Social Anxiety Disorder Connections By Arlin Cuncic Arlin Cuncic, MA, is the author of Therapy in Focus: What to Expect from CBT for Social Anxiety Disorder and 7 Weeks to Reduce Anxiety. Learn about our editorial policy Arlin Cuncic Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on October 07, 2019 Social Anxiety Disorder Overview Symptoms & Diagnosis Causes Treatment Living With In Children GARO/PHANIE/Getty Images Stuttering and social anxiety disorder (SAD) are both included in the Diagnostic and Statistical Manual of Mental Disorders (DSM-V). However, SAD is categorized as an anxiety disorder and childhood-onset fluency disorder (stuttering) is now considered a communication disorder in the chapter on neurodevelopmental disorders.   What Is Stuttering? Stuttering is described as dysfluent speech involving overt and covert (hidden) symptoms. Overt symptoms are obvious to other people and include: Repeating or prolonging soundsBlocks when speaking Covert symptoms may not be obvious to others and include: Omitting wordsSubstituting wordsCircumlocution (rearranging words in a sentence) 9 Tips to Use Your Best Voice When You Have Social Anxiety Stuttering and SAD Diagnosed Together If you stutter, you may also feel bad about your speech difficulty and experience anxiety, avoidance, low self-esteem, and embarrassment. However, you would not be diagnosed with SAD unless the fear, avoidance, and anxiety are about more than the stuttering. Signs That You May Have Social Anxiety Disorder If you are only anxious because you stutter, you would not be diagnosed with SAD because the fear is about stuttering, not social and performance situations. How Are Stuttering and Social Anxiety Related? Current research shows that there is likely a relationship between stuttering and social anxiety, but the nature of the relationship is not clear. The rate of overlap between social anxiety and stuttering is thought to be as high as 75%. However,  studies have not been consistent in how they define social anxiety (e.g., stuttering-specific or general). Research has shown that the neurotransmitter dopamine plays a part in both stuttering and SAD. And, in fact, a higher rate of SAD has been found in people with Parkinsons disease, a disorder involving dopamine production and metabolism. Neuroimaging research has shown that people with SAD and those who stutter have differences in the dopamine D2 receptor, meaning that they process dopamine differently than people without these disorders. The amygdala has also been shown to be related to both stuttering and SAD. Treatment   Treatment options for stuttering depend on whether or not you are also experiencing psychological reactions. If you stutter but do not have anxiety, fear or avoidance, you would receive speech training alone.If you stutter and also have psychological reactions or a comorbid diagnosis of SAD, you would also receive treatment such as cognitive-behavioral therapy (CBT). Although medication such as selective serotonin reuptake inhibitors (SSRIs) have been shown to be effective in treating SAD, there is not enough research to support their use for stuttering. If you experience both SAD and stuttering, it is important to realize that SAD can be overcome even if your stuttering does not completely go away. While stuttering can be embarrassing, it is possible to improve and feel better about the way that you talk. The 9 Best Speech Therapy Apps

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Analysis Of Little Things By Raymond Carver - 1269 Words

The short story â€Å"Little Things† by Raymond Carver deals with the humanity’s spiteful nature and its desire to flaunt what others can not have. On the surface, the story is about a man, a woman, and baby, none of which have a confirmed relation to each other, and a dispute over who should keep the baby after the man leaves. As the story reaches its end, there is no clear winner and the reader has a sense of unease based on the last line, â€Å"In this manner, the issue was decided† (Carver). Carver’s use of dialogue, allusion, and sight/sound imagery help build the darker mood for the story, and his use of those elements ultimately leads to one of Carver’s main messages. By utilizing the previously listed items, Carver highlights the idea that†¦show more content†¦Both of them trying to keep the baby away from the other in this manner shows that the have allowed their petty anger and spite to cloud their judgement, thus causing them to lose sight of what actually matters: the baby’s well being. One of the main ways Carver shows his thematic message is through his use of allusion. In this case, the fight over the baby acts as an allusion to The Judgement of Solomon. In the original story of Solomon, he presides over the case of two women claiming to be the true mother of a single child. To solve the conflict, Solomon decrees that the child be sawn in half so that each woman may get an equal part of the child. One of the women then tells Solomon to give the baby to the other woman so that the baby can continue to live, thus revealing herself as the true mother. In â€Å"Little Things,† Carver uses this story to provide a context for the audience for the events transpiring at the end of the story. Going back to the end of the fight where both He and She are pulling on the baby, the narrator says this, â€Å"She would have it, this baby. She grabbed for the baby’s other arm. She caught the baby around the wrist and leaned back. But he would not let go. He felt the baby slipping out of his hands and he pulled back very hard† (Carver). It is a similar situation to that in the alluded material, two people are fighting over one child, but in Solomon’s story the baby comes out unharmed. The audience can easilyShow MoreRelatedAP and Cathedral Comparison Essay1617 Words   |  7 PagesMallory Russell 06/12/15 Comparison Essay ENG 102 Online â€Å"Cathedral† by Raymond Carver versus â€Å"A + P† by John Updike In the short stories â€Å"Cathedral† by Raymond Carver and â€Å"A + P† by John Updike the protagonists experience an epiphany that change their restricted way of thinking. The main character, â€Å"Sammy† in John Updike’s, â€Å"A + P† is a teenage boy working in the town grocery store. Sammy experiences an epiphany when he decides to quit his job at the grocery store. He quit because he believedRead MorePopular Mechanics by Raymond Carver828 Words   |  4 PagesPopular Mechanics the author, Raymond Carver, uses painstaking details, numerous symbols, and an unusual title to convey the universal theme that not all relationships end happily. Carver uses all these things to his advantage. He brings out the theme of this depressing, but truthful story. Many couples these days experience the same thing that this one in particular went through. Early that day the weather turned and the snow was melting into dirty water. Carver starts off the story in this wayRead MoreRaymond Carver with Cathedral and John Updike with AP979 Words   |  4 PagesRaymond Carver with â€Å"Cathedral† and John Updike with â€Å"AP† â€Å"Cathedral† and AP both short stories written during the same century. But even though they both introduce stereotypical characters that somehow change their view of the world, they have many more different aspects. The stories differ in atmosphere and the quantity of people involve in each story. The story â€Å"Cathedral† only took place in a family house with only the husband, wife who can be qualified as a static character tried to killRead MoreThe Two Sides Essay1379 Words   |  6 PagesSides The views we have are what shapes us, sometimes we have vast knowledge of ideas. Other times we are limited in what we can understand. 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Carver has his own artistic signature when it comes to writing, he tells his stories usingRead MoreAnalysis Of Where I m Calling From By Raymond Carver2284 Words   |  10 PagesArtapong Intapatana September 16, 2014 English Literature: Critical Thinking and Composition Prof. Jennifer Smith Where I’m Calling From Analysis â€Å"Where I’m Calling From† by Raymond Carver is a short story about a man’s struggle with Alcoholism, and his encounters at a drying-out facility or treatment center. The story itself seems very straight forward in the way it’s presented, 3rd person perspective, narrative writing style, realism (ENotes.com), but in actuality there’s a lot more to the storyRead MoreFood In Raymond Cravers A Small, Good Thing1232 Words   |  5 PagesMeal Analysis Draft Food can be used as a pathway to connect the reader to the passage, and for them to relate it to themselves in their life. With many different lifestyles in our community, one thing that doesnt seem to have any major change over the different lifestyles and cultures is the pull that food has. To be able have people of all kinds, to gather around and celebrate any occasion with food being the center piece. In Raymond Craver’s short story A Small, Good Thing†, at the startRead MoreThe parallel between â€Å"Cathedral† and â€Å"AP†1892 Words   |  8 Pages The parallel between â€Å"Cathedral† and â€Å"AP† Raymond Carver with â€Å"Cathedral† and â€Å"AP† by John Updike are both short stories, even if in facts they are written during the same century, readers can interpret the changes that occurred to be really different. They both introduce characters that are being victim of stereotype by the protagonists, but somehow these characters made a great change into the protagonists’ view of the world and life itself. The stories differ in atmosphere and the quantityRead MoreCharacter Analysis OfCathedral By Raymond Carvers Cathedral1121 Words   |  5 Pageshusband. The two kept in touch, but began to drift apart until Roberts wife died and he came to visit the unnamed narrator and wife (Carver p.32-35). Once Robert walked through the door his appearance and personality surprised the narrator greatly. In Raymond Carver’s â€Å"Cathedral† the narrator is constantly judging Robert because of his disability. The narrators’ analysis of the blind in à ¢â‚¬Å"Cathedral† is somewhat harsh and very comparable to the critiques that are given to the blind today. The unnamedRead MoreA Small Good Thing By Raymond Carver And The Birthmark Essay1877 Words   |  8 PagesA Small Birthmark with Vampiric Communion In the stories â€Å"A Small Good Thing† by Raymond Carver and â€Å"The Birthmark† by Nathaniel Hawthorne there are obvious differences between the two tales. While â€Å"A Small Good Thing† has to do with a family dealing with the injury and then loss of their â€Å"The Birthmark† is a scientific quest to remove a birthmark. The analysis of these two stories show both similarities as well as the differences between the main themes of Vampirism, Communion. These two main themes

The Bright Side Of School Uniforms. Education In The United

The Bright Side of School Uniforms Education in the United States from Kindergarten all the way to 12th grade is known for its free education system. That’s right, students all over the country are given the opportunity to retrieve a high school diploma for free. Education in this country is so important that schools around the country are pushing their board of education to propose the policy of school uniforms nationwide, as they believe school uniforms have a very beneficial and positive effect on a student’s learning abilities, behavior, and lifestyle. School uniforms are increasingly becoming more popular throughout the United States, therefore schools across the country are aware of how the uniforms help students make higher grades,†¦show more content†¦School uniforms are typically enforced by private or charter institutions, however, public schools across the country are increasingly adopting the proposal of these uniforms. Who knew that the way a stude nt dresses everyday could have such a responsible role in the increase of their performance within the classroom? Studies conducted by David L. Brunsma, a professor at Virginia Tech, discuss the overall effect of school uniforms on a student body. The text mentions how about one in five public schools during the 2013 -2014 school year have effectively established school uniforms at their institutions. This percentage may seem doubtfully small but from the perspective of how many public schools are in the United States, which is roughly ninety-nine thousand, the number of effected schools in the country is quite a few. Although there is not any numerical percentage of how much a student’s academic achievement increases, it is well known that uniforms simply make a student feel more calm and confident in themselves in general. School uniforms are also beneficial in preventing visual distraction amongst the student body within the classroom, because with an effective school unif orm policy there are much less dress code violations from both genders that can be seen as provocative attire. .Show MoreRelatedReflection Paper1036 Words   |  5 Pagesmy father while my mother and sisters were at home. This type of experience in life would make anyone feel a bit depressed by I looked on the bright side and I learned a very important lesson. You dont value what you have until you lose it. When we moved to Mexico we lost everything our house, our furniture, and our lives basically. Eventually, the school had to begin and I had to attend it knowing about the low income in our family. 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The Revolution can be likened to the idea of the Italian Renaissance; it was a complete rebirth of culture. â€Å"Traditional songs and dances were taught to sc hool children, popular art was extolled, books and magazines were published, and walls were assigned to one painter or another.†(PazRead MoreOrgan3116 Words   |  13 Pagesan organizational team who support and encourage people to sign up to be an organ donor and according to their information and research there are more than 117,294 people of all ages and gender currently on the wait list for an organ transplant in United states concurrently. â€Å"The process of organ donation can save as many as eight lives through the surgical transplantation of organs from a donor of recipients. 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Identifies officials responsible for

Commercial Banking and Financial Analysis

Question: Discuss about the Commercial Banking and Financial Analysis. Answer: Introduction: Relative earnings can be measured by the price- earnings ratio of the organizational securities related to the market index. However, the performance evaluation for the relative earnings can be done by considering the income of the organization as well as the earnings per share during the accounting year (Kothari, Mizik Roychowdhury, 2015). In the present situation, earnings of Keystone National Bank along with the peers have been compared for the years 1989 and 1990. Considering the financial statements, it has been noted that the income from interest of the bank during the year 1989 was $39.35 million, which was 10.89% while the income of the peers during the same year was 10.62%. On the contrary, the interest income of the bank as well as the peers declined in the year 1990 by around 1.00%. The percentage fall in the interest income in case of Keystone bank was around 0.91% whereas the decline in income of peers in 1990 was at lower rate with 0.84%. Accordingly, it can be analyze d that the performance of peers was better than that of the Keystone Bank (Calomiris, Heider Hoerova, 2015). The interest expenses of the bank and peers declined in the year 1990 by around 0.5 % hence it can be said that the organizational performance in the year 1989 was better. As the expenses during the year 1989 was higher yet the income earned by the bank and peers was higher than the income of the year 1990 therefore the bank was efficient in the year 1989. The peers are correct to use since the performance percentage are parallel to that of Keystone International Bank. Further, the peers were engaged in the services of providing loans and deposits similar to the services provided by the Keystone Bank. It has been observed that the earnings of the Bank reflected at 0.91% while the income of peers reflected at 1.04%. Additionally, income from non- interest services earned by Bank at 0.90% and the income of peers was 0.94%. Hence, it can be said that the peers are correct to use as competitors for the matter of comparison. Similarly, income from non-interest business activities by the bank reflected 0.92% during the year 1989 whereas the income of peers during the year was 0.97%. However, the income during the year 1990 was declined to 0.90 in case of bank and that of its peers declined to 0.94%. It has been observed that the performance of the peers during both the year was better but the decline in income in case of bank was at higher percentage therefore it could be said that the service structure of the bank was not appropriate to generate decent income. Further, the income before tax of the bank was lower than the peers net income before tax during both the years even when the percentage of tax expense in case of peers is higher. It has been observed that the banking policies and internal control system of the Keystone bank were not followed in an appropriate manner to overcome the financial risk position (Chu et al., 2016). Financial crisis not only affects the other sector organizations but also the banking sector resulting in performance discrepancy for private, public and foreign banks. Recession period affects the banking sector with respect to the flow of funds from the deposits and borrowings. Impact of liquidity falls on the liquidity of funds because of mark to market accounting as per the governmental requirement required to be followed by the banks. Period of recession affects the investment policy and funds in terms of liquid funds or in terms of banking stocks since the flow of funds is restricted in the hands of consumers as well as organizations. During the year 1990 and 1989 most of banks suffered from the recession at an average number of 5000 which reflected around 20% decline in the banking values. Accordingly, the Keystone Bank performed better with a net income of around 1.00% during the year 1989 and 1990. It can be said that the bank managed to earn considerable profit from the interest as well as from non- interest income along with the commission income. Therefore, it can be said that the banks performance was better from that of the peers during the period of recession. Evaluation of Financial Risk Financial risk is the evaluated by using several ratios using the different variables of financial information in order to evaluate the organizations level of debt financing. It also measures the efficiency and capability of the business organizations to manage the amount of debt, which is due for repayment to the investors (Watson, 2015). It is essential to measure the organizational financial risk that determines the level of risk tolerance or appetite for maximization of profit and to maintain the sustainable growth. The financial risk is determined by considering the elements of credit, capital, structure of cost and revenue. One of the significant ratios used to measure the financial risk is Debt- to- Capital Ratio that determines the level of leverage in the capital employment (Kwon Yin, 2015). In case of keystone bank and its peers, the debt- capital ratio is determined by using the value of debt and total capital employed by the company during the financial year 1989 and 199 0. Since the information on debts is not clearly available in the present case, Federal funds purchased would be considered as an acquisition of debt (Fabius et al., 2016). Accordingly, the debt to capital ratio would be ____Federal Funds purchased__= ___14,551__ = 0.36 or 36% in the year 1990. Shareholders equity + Federal Funds 25,669+14,551 On the contrary, percentage of peers shareholders equity consisted of 6.98% while the percentage of federal funds purchased was 4.77% average of which comes to 0.42 or 42%. Since the debt capital ratio of back is lower than that of the peers, it can be interpreted that the financial condition of bank is stable even though the income level is lower. However, the amount of deposits used by the bank during the year 1990 was higher than that of the year 1989. Similarly, debt capital ratio of peers during the year 1989 was higher than that of during the year 1990 that implies the use of high level of debt financing to operate the business functions. Hence, the peers financial position is said to be at risk more than the bank during the financial years 1989 and 1990. Another financial ratio that can be used to determine the financing risk of bank and its peers is the interest coverage ratio, which indicates the efficiency of the organization to manage the cost of short- term finance. It is determined by using the earnings before interest and taxes and the interest expenses (Giglio, Kelly Pruitt, 2016). In case of bank and its peers amount of interest cost is not ascertainable hence, equity capital and assets would be considered, which appeared at 6.58% in the year 1990, while 6.45% in the year 1989 as per the financial data of Keystone Bank. Moreover, the equity capital and assets ratio of its peers reflected 6.98% during the year 1990 and 7.08% during the year 1989. It can be interpreted that the capacity of the peers to generate income from the assets to employ as equity capital was higher during the year 1989 while that of the bank was lower. Hence, the ability to generate return from the employment of financial assets by Bank is lower wherea s the efficiency of peers to generate profit from the assets was higher (Lee Andrade, 2015). Recession is said to be a negative growth in the regional economy for a continuous period of time that results in decline of economic activity as well as in the organizational performance. On the contrary, non- recession is either a positive growth or stagnant economy for a given period of time that improves the financial economy and performance of the organization. It affects the credit and liquidity risk since the recession impacts a decline in the gross domestic product as well as the value of funds for the country. Additionally, value of assets and other financial assets also decline due to recession, which affect the rate of bank interest and eventually affect the credit risk and liquidity risk. Analysis of Interest- sensitivity report Interest sensitivity is an assessment to determine the fluctuation in the price of the fixed asset that generates fixed income due to the change in the prevailing market rate of interest. It can be said that if the shares have more fluctuations in the price then such shares are more sensitive hence, such securities should be analyzed at the time of making investments (Doukas Walter 2015). Further, there are certain issues with the time market for trading and investment of shares with respect to the setting up of new business or for the purpose of business expansion or diversification. Further, the performance of the market with respect to the capital employment in the business organization becomes an issue in case the market price of the shares fluctuates frequently. Moreover, the time market does not involve the implication of external finance that is long- term hence it does not evaluate the level of financial leverage used by the organizations (Chang Tsai, 2016). In the present situation, total assets over the period valued to $198,537, which reflected fluctuations in the value of assets over the several intervals. Additionally, the amount of deposits of the bank during the period in case of noninterest bearing amounted to $70,411 while the interest bearing demands amounted to $12,338. If the maturity period of the asset is longer than the change in rate of interest is more sensitive to generate the asset values (Giglio, Kelly Pruitt, 2016). In view of the interest rate sensitivity report periodic gap reflected $67,506 during the first period whereas the periodic gap for the entire year reflected an amount of $34,887. The periodic gap indicates the fluctuation in the valuation of assets and interest rate as the cumulative gap reflects the percentage from 7.01% to 9.00% (Patton, 2016). Hence, it can be said that the assets of the company are more sensitive to the changes in the market interest rate during the financial year. Risk of interest rate is a measurement of risk that indicates the fluctuations in the interest rate considering the prevailing rates of different regions. Such change may affect the market value of the securities held by the investors (Morley et al., 2015). In the present case of Keystone Bank, the sensitivity report of interest rate reflects amount of interest bearing bank balance as the organizational asset whereas the amount of interest on deposits as the liability. However, the report does not reflect the actual rate of interest prevailing in the country in comparison with other countries. Hence, the effect of the change in interest rate in determining the market value of the banks securities cannot be determined which is essential to evaluate the efficiency of the organization for its performance (Stoll et al., 2015). Determination of Keystones liquidity The term liquidity refers the state or efficiency of the business organization to convert the assets into cash balance. It was essential to employ the assets that can be easily converted to cash balance and helps the organization to operate the business activities in a smoother way. Accordingly, liquidity needs for the organizations may be in terms of savings, short- term investments, emergency funds and other current assets (Craig, Fecht Tmer-Alkan, 2015). As per the liquidity report of Keystone Bank for the first quarter 1991, there are assets with maturing funds totaled to $65.66 million. The organization employed the assets on investment in securities amounted to $8.35 million, Federal funds already sold for an amount of $11,428. It can be said that the most liquidity needs over the first quarter of 1991 are investment securities and federal funds that have already been sold by the Bank. Considering the current ratio 0.75 to measure the liquidity position of the bank, it can be said that the total value of assets is lower than the total value of liabilities hence the value of sources of asset was not sufficient to meet the liabilities. It has been observed that organization had sold off the Federal Funds amounted to $11,428 which can be used as a source of liquid need to meet the obligations (Jinjarak, 2015). However, the total value of assets consists of principal payments for commercial loans amounted to $15,172 and real estate loans amounted to $6,606 that cannot be considered as income generating assets. Further, payments on consumer loans and other loans including the lease financing cannot be considered as income generating assets to meet the liability obligations during the year (Etula et al., 2015). The principal payments appear under the assets of the organization since the payment has been done in advance i.e. before the due date. On the other hand, total liability of the bank during the first quarter of the year 1990 appears to be $86,993 as maturing funds while $13,900 as volatile funds. Additionally, the bank had acquired an estimated amount of new loan demand valued at $35.00 million and the value of new core deposits $21.00 million. Hence, it was essential for the bank to have liquidity resources to be able to pay back the potential amount of loan at the time of maturity pe riod. Considering the given report of liquidity of the Keystone Bank it can be said that the bank should acquire short term investments so that it could generate cash on sale of such investments. The bank could also acquire term loans at lower rate of interest for the purpose of working capital since the existing resources of current assets during the beginning of 1991 were not sufficient (Michiels et al., 2015). It can be observed that the bank had acquired higher value of time deposits both under and over value amounting to $100,000 that could be avoided since the outstanding amount was high while the liquid funds were less. Further, the bank could dispose of the assets that were not relevant or unutilized during the financial year 1990 to accumulate certain amount of funds (Calomiris, Heider Hoerova, 2015). Recommendations to the management In order to improve the banking operations and maximize profitability it is important to regulate the services for consumers satisfaction with respect to the competitive market. Considering the current market and banking regulations it is essential to maintain the consumer relationship, consumer requirements along with the banking services. Accordingly, banking organizations are recommended to improve the banking operations in the following ways: Relationship pricing and product package is one of the methods that increase the demand of the consumers for banking services. This method involves the identification of consumers requirements as per the current environment in consideration with the best prices as well as product bundling based on the consumers view. It is important to consider the rates of exchange, interest rates, underwriting service charges that improve the banking operations and assist in maximizing the profitability. Customer segmentation can be applied by the management to improve the customer relationship by extracting relevant data as per the credit funds and amount of deposits. The management is recommended to share the existing consumer records considering the business applications to understand the demographics, preferences and engagement. This system enables the banking sectors to target the required products by applying services at lower costs and improve marketing strategies. It is also recommended to the banks to adopt the events on real time basis in order to offer the marketing campaigns based on the cross- channel media to operate the stock transfers, offering credit services and retailing jobs. Method of real- time services enables the organization to save operational time and man power that eventually saves cost of services. Operation of bank services through real- time basis determines consumer needs as per the current economy and helps in increasing the marketability and service channels that helps in considering the best action. It also helps in eliminating the barriers relating to identification of appropriate service areas, locations for marketing and economic advantages at micro and macro level. Banks can also implement the services by application of innovative reward design which helps the organization to motivate the employees for providing efficient service as per the organizational benchmark. This method is also applicable to the consumers that are most profitable to the organization in form of monetary and service benefits. In order to maximize the profitability and increase banking services it is important to have attractive marketing strategy that helps in acquiring potential consumers. Banks can also implement the services of automated customer care to provide support services to the consumers that saves the functional time as well as functional cost. Accordingly, it can be suggested to the Keystone National Bank could have monitored the internal control system to improve the credit and deposit services. It has been observed that the bank had liabilities more than the value of assets hence it is recommended that Keystone should channelize its marketing strategy. The management is required to identify the potential customers to expand the credit services and lower the value of loans and deposits to strengthen its financial position. Further, the bank could focus on the services of interest and commission since it generated higher income and at higher percentage that would maximize the organizations profitability. The future of bank risk management, McKinsey and company In view of the statistics and reports, it has been noted that the banks have worked and changed dramatically the strategies to manage risk since past years. For the purpose of risk management, banks have implemented several initiatives that involve banking regulations, customer expectations with the change in technology and other banking norms. It has been noted that the banks have worked in reaction to the regulations that have been appeared from the financial crisis across the globe (Diamond Kashyap, 2016). It has been observed that the banking operations in consideration to the regulations of credit administration and other services would experience change that is more positive in the next few years. The processes that involve risk operations accounted for around 50% for the staff function while the percentage for analytics was only 15%. However, it has been noted that the banks would be able achieve the analytics percentage approximately to 40% while the functions staff would be managed to 25%. Since the banking trends experience the function of risks from all the perspective of banking regulations and operations, it is difficult to predict the actual risk function for future years. The present economy by considering the financial or non- financial operational functions and regulations need to be broaden to prevent the potential errors, improper practices and banking failures (House, Sablik Walter, 2016). It is essential for the banking organizations to implement the advanced technology to operate the banking services to the customers that assists in providing the services faster and in accurate manner. It has been noted that with the rise of advancement in technology, expectation of consumers also rise parallel to the change in information technology. It has been observed that the evolution in the technological system and advancement in the analytics gives rise to the techniques of risk management especially in the banking sectors. Banking services include credit underwriting, credit monitoring, detection of fraud in the services of credit- card facilities and other services of loans and deposits that have to be operated by using the advanced technologies (Bonner, Van Lelyveld Zymek, 2015). Further, advancement in the banking economics whether financial or non- financial assists the managers of risk to consider the advanced operational structure to eliminate the operational risks, credit margins as per the banking regulations. The risk managers are also required to implement the improved means of banking regulations to manage and reduce the operational costs by maintaining the quality of services. Accordingly, several initiatives and trends with respect to the future banking services can be analyzed to monitor the risk management for banking sectors (DeAngelo Stulz, 2015). First trend that assist in shaping the function of risk management is continuation of regulation in a broader way. In the emerging economies, banking operations need to comply with more advanced regulation for financial as well as non- financial functions including several banking facilities to the consumers. It was noted that financial crisis during the year 2008 have been resolved to a great extent in the financial markets considering the economies that are developed. It has been made mandatory in several regions to maintain the regulations with respect to the bribery, tax collection or monetary fraud. Similarly, regulations for the practices of employment services and standards of environment should be implemented (Gambetta, Zorio-Grima Garca-Benau, 2015). Second trend involves customer expectations in relation to the change in technologies conducted by the competitors like companies involved in financial technologies. It has been noticed that during the year 2014, the technological activities accounted to the profits of the bank for around 60% while the percentage of equity return noted to 22%. The banking services are required to implement the technologies that assist in providing instant services to the retailers, decisions for corporate credit and other services for loans and advances. In addition to this, third trend involve the evolution of analytics with respect to the advanced technology (Calomiris Carlson, 2016). It involves the understanding and implementation of technological innovation to assist the banking services to manage the risk functions considering the lower cost. The technological factors provide potential impact on the banking sectors by considering big data, learning for machines and crowd sourcing. Big data ind icates the functions of risk at low cost as well as in a faster way to provide the services to structured consumer information including the unstructured consumers information. Such activities help the banking services in taking better decisions for credit risk by detecting the financial fraud and error. Similarly, machine learning involves the improvement in risk models to the accurate numbers by recognizing the patterns that are complex involved in the sets of large data. The implementation of machine learning resulted in achievement of results in faster way and accurate manner by eliminating the financial errors. On the contrary, crowd sourcing is an idea enabled by using the source of internet that improves the efficiency of business operations. Such implementation of improved technological factors supports in reducing the cost and fines of risk factors if such factors are applied at the right time (Berg, 2015). Fourth trend involves emergence of new risks in the banking sector that includes model risk, contagion risk and risk of cyber security. In order to manage the banking risks effectively it is important to understand the model risk in a better way, which involves the evaluation and implementation of appropriate and relevant interest rates. The model requires to be implemented by using the correct assumptions and error free data entry. Similarly, the contagion risk involves understanding of vulnerability of the financial market across the globe measure the performance and impact of contagion. Cyber security involves the protection against the crime and errors that attack the internet and other cyber resources. Accordingly, risk managers are required to consider the functions that protect the cybercrime and improve the banking services (Giovannoni, Quarchioni Riccaboni, 2016). Further, the fifth trend implies the risk functions that assist to eliminate the banking biasness, which considered the behavioral economics to understand the decision-making functions of consumers. Risk managers are required to analyze the consumers behavior to remove the conscious biasness to perform the effective banking services. Similarly, the last trend presents the pressure with respect to the savings of cost to operate the banking services effectively. It is important to for the risk managers to measure the approaches for cost- cutting in simple, standard and digitized manner. The risk managers are required to manage the operational costs to perform the banking services in an effective manner with improved technologies (Bromiley et al., 2015). In view of the above discussion, it can be said that the scenarios mentioned by Mckinsey Company provides practical view for implementing the practices to mitigate the banking risk. In the present era most of the organizations and consumers depend on the resources of advanced technology to improve the business processes with respect to time, cost and quality. The article by Mckinsey Company focuses on the basic functions to be implemented by the banks to eliminate the risk factors and to perform the services in an accurate manner. It can be said that the trends stated in the article are justified parallel to the type of services banking sectors provide to the consumers (Giovannoni, Quarchioni Riccaboni, 2016). In the present economy, online services are growing to a great extent for which improved and advanced information technology is required along with resources of internet. For instance, services with respect to the credit fund, loans and borrowings, credit underwriting and ot her related services should be performed by the banks after eliminating the functional risks. It is essential for the banks to consider the banking regulation to perform the services in compliance with the legal requirements and principal banking norms. As the expectations of consumers increases in terms of the improved and upgraded technological factors, it is important for the banks to implement the services procedures in accordance with the advanced technology. Further, the banks are required to understand the consumer requirements and preferences as well as their expectations to implement the relevant services to eliminate the risk factors. The banking sectors are required to enhance the service functions in regulation to the reporting of risks so that the potential errors or frauds can be removed to provide better banking services (DeAngelo Stulz, 2015). For instance, some of the top banks in Canada are best known to perform the services on credit risk, market risk, financial risk and economic risk in recent times. 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