VU Study: 10/11/11

Tuesday, October 11, 2011

Re: (Attock VU Group) Proposal of Project Finance

woh email mujey b send karain yah batain key farrukh bhia ney kahan woh email share ki hai........

mobile 0314-4719074

On Tue, Oct 11, 2011 at 7:40 PM, Shahzad Sadiq <lushahz@gmail.com> wrote:

Imran bhai aik mail refresh ki hai..........Farrukh bhai nay share ki thi........shayad uss say aap ko koi help mil jaye...........:)

On Tue, Oct 11, 2011 at 7:35 PM, mc100203984 Imran Zafar Khan <mc100203984@vu.edu.pk> wrote:
Can anyone advise me the idea solution of said proposal of project in finance and topic is Profitability Ratio Analysis

Regards,
Imran
imransadaejars@gmail.com

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

--

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

Re: (Attock VU Group) Proposal of Project Finance

Imran bhai aik mail refresh ki hai..........Farrukh bhai nay share ki thi........shayad uss say aap ko koi help mil jaye...........:)

On Tue, Oct 11, 2011 at 7:35 PM, mc100203984 Imran Zafar Khan <mc100203984@vu.edu.pk> wrote:

Can anyone advise me the idea solution of said proposal of project in finance and topic is Profitability Ratio Analysis

Regards,
Imran
imransadaejars@gmail.com

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

Re: (Attock VU Group) --~Poetry Corner~--

sorry shahzad bhi wo aisa nhi kare ga ab main ne paka faisla kar liya hy ab main usy nhi manaon ga kal 6:55 se le kar kar is wakat tak main usy 277 msgs kar chuka hoon

but no reply

poetry ki waja se to nhi huwa ho ga

pata nhi kyun huwa kal 6:55 pe us ka last msg aya tha us k baad abhi tk nhi aya koi na he wo mere msgs ka reply karta hy

bht tnsn dal di us ne

book ka kuch nhi

jisy chahiye le le meri poetry

free ov cost aur apne se publish karwa de

ab main ne poetry nhi karni

100 ghazalz hain

10 poems

10 poems in english

10 independant poems

sab le le koi i dont need them

RAJA SABA

PRAY FOR MY SIN AS I M UNABLE TO PRESENT IT.

Mere Gosha-e-Fikar main meri Zindagi k Qareeb tar

Mera Aisa b ek Dost hy "SABA" Jo mila na kabi Juda huwa

Re: (Attock VU Group) Ratio analysis details....

Check this mail............brother

On Sun, Oct 2, 2011 at 5:42 PM, mc090400031 Farrukh Abbas <mc090400031@vu.edu.pk> wrote:

·         Current Ratio

Current ratio determines the short term liquidity position of an entity

Current Assets / Current Liabilities

Benchmark Rate:

2:1 for companies

1.5:1 for Banks

If near or above to benchmark rate it favourable for organizations. (Current Assets are more than Current liabilities)

If below to 1 is not favourable for organizations (Current Liabilities are more than Current assets)

·         Acid Test Ratio (Quick Ratio)

Acid test ratio determines to see the organization liquidity position by subtracting inventory and prepaid expenses.

Quick Assets / Current Liabilities

Quick Assets - Also known as Liquid Assets. Consists of cash, short-term marketable securities and accounts receivable.

Benchmark Rate:

1:1 for companies

1:1 for Banks

If above to benchmark rate it's favourable for organizations. (Current Assets after subtracting prepayments are more than Current liabilities)

If below to 1 is not favourable for organizations (Current Liabilities are more than Current assets after subtracting prepayments)

·         Working capital

Working capital is the difference of current assets minus current liabilities. This measures the short term solvency position of the company.

Current Assets – Current Liabilities

If Current Assets are more than Current Liabilities then it's favorable for organizations because organizations have positive working capital.

If Current Liabilities are more than Current Assets then it's NOT favourable for organizations because organizations will have Negative working capital.

Times Interest Earned (Interest Coverage Ratio or Fixed Charged Coverage)

Time interest earned indicates whether the business has earned sufficient profits to pay its periodical interest liabilities or not

EBIT / Interest Expense

Increasing Ratio is favorable for the bank because it may attract the investors.

Decreasing Ratio is not favorable for the bank because company has been less able to cover the interest on the debt

Your banker will be looking for your TIE ratio to be 2.0 or greater, showing that your business is earning the interest charges two or more times each year

·         Debt Ratio

Debt ratio used to measure a company's financial risk by determining how much of the company's assets have been financed by debt

Total Liabilities / Total assets

A debt ratio of greater than 1 indicates that a company has more debt than assets

A debt ratio of less than 1 indicates that a company has more assets than debt

Increasing Debt Ratio is favorable for the banks (But not more than 1) and not favorable for the companies.

Decreasing Debt Ratio is not favorable for the banks and favorable for the companies.

·         Total Capitalization Ratio

The capitalization ratio measures the debt component of a company's capital structure, or capitalization (i.e., the sum of long-term debt liabilities and shareholders' equity) to support a company's operations and growth.

Longterm debt / Longterm debt + Shareholder equity

There is no standard or benchmark for setting the right or optimum amount of debt. Leverage will depend on the type of industry, line of business and the stage of development of the company (and its products). However, it is commonly understood that low debt and high equity levels in the capitalization ratio indicates good quality of investment.

All Profitability Ratios if increasing is good decreasing not good... following are the p.ratios

ü Net Profit Margin

This ratio shows profitability of the bank against it sales.

Profit after Tax / Net Sales x 100

ü Return on Assets

ROA is measure of a company's profitability, equal to EBIT divided by its total assets, expressed as a percentage.

EBIT / Total Assets x 100

ü DuPont Return on Assets

Dupont ROA is an approach that determines the impact of asset turnover and profit margin on profits.

Net Income / Sales x Sales / Total Assets x 100

ü Operating Income Margin

Operating income margin is used to measure a company's pricing strategy and operating efficiency.

EBIT / Net Sales x 100

ü Return on Operating Assets

The return on operating assets measure only includes in the denominator those assets actively used to create revenue.

EBIT / Operating Assets x 100

ü Return on Total Equity

Return on equity measures a corporation's profitability by revealing how much profit a company generates with the money shareholders have invested.

Net income / Shareholder Equity x 100

ü Gross Profit Margin

Gross Profit Margin measures the Gross Profit in relation to the Net Sales.

Gross Profit / Net Sales x 100

Activity Ratios:- (Efficiency Ratios)

Activity ratios measure a firm's ability to convert different accounts within their balance sheets into cash or sales.

These include

ü Total Assets Turnover

Asset turnover measures how effectively a business is using assets to generate sales.

Net Sales / Total assets

Increasing Ratio is good for Bank and companies

Decreasing Ratio is bad for bank and companies

ü Fixed Assets Turnover

Fixed Assets Turnover ratio indicates how well the business is using its fixed assets to generate sales.

Net Sales / Fixed Assets

Increasing Ratio is good for Bank and companies

Decreasing Ratio is bad for bank and companies

Market Ratios:-

Market ratios measure investor response to owning a company's stock and also the cost of issuing stock.

These Include:

ü Dividend Per Share

Dividend per share is used to measure the income received by shareholders from each share owned.

Total Dividend / Numbers of share outstanding

Increasing Ratio for banks is good because it will attract more investors.

Decreasing ratio for banks is not good because the investors will not invest.

ü Earning Per Share

Earnings per share serve as an indicator of a company's profitability.

Net Income / Numbers of Share Outstanding

Increasing Ratio for banks is good because it will attract more investors.

Decreasing ratio for banks is not good because the investors will not invest.

ü Price/Earning Ratio

Price/Earning ratio is a valuation ratio of a company's current share price compared to its per-share earnings.

Market Value per Share / Earning per share

Increasing Ratio for banks is good because it will attract more investors.

Decreasing ratio for banks is not good because the investors will not invest.

--

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

Re: (Attock VU Group) .....Poetry Corner.....

poetry ki waja se to nhi huwa ho ga

pata nhi kyun huwa kal 6:55 pe us ka last msg aya tha us k baad abhi tk nhi aya koi na he wo mere msgs ka reply karta hy

bht tnsn dal di us ne

book ka kuch nhi

jisy chahiye le le meri poetry

free ov cost aur apne se publish karwa de

ab main ne poetry nhi karni

100 ghazalz hain

10 poems

10 poems in english

10 independant poems

sab le le koi i dont need them

RAJA SABA

PRAY FOR MY SIN AS I M UNABLE TO PRESENT IT.

Mere Gosha-e-Fikar main meri Zindagi k Qareeb tar

Mera Aisa b ek Dost hy "SABA" Jo mila na kabi Juda huwa

Re: (Attock VU Group) Project k liye Group banana Zaroori Hy

Thank You Shahzad Bhae,

waiting for more guidance, please

~ VuPak2009 ~ RE: I AM FREE NOW...

Hola friend.
give it a try
http://easypeasy123.com/MichaelAlien11.html
see you.

--
You received this message because you are subscribed to the Google Groups "Virtual University of Pakistan 2009" group.
To post to this group, send email to virtual-university-of-pakistan-2009@googlegroups.com.
To unsubscribe from this group, send email to virtual-university-of-pakistan-2009+unsubscribe@googlegroups.com.
For more options, visit this group at http://groups.google.com/group/virtual-university-of-pakistan-2009?hl=en.

(Attock VU Group) Proposal of Project Finance

Can anyone advise me the idea solution of said proposal of project in finance and topic is Profitability Ratio Analysis

Regards,

Imran

imransadaejars@gmail.com

Re: (Attock VU Group) my viva result announced now me pass my MBA :)

shahzad bhai u r such a gr8 person really ap dil se n sub se phaly rep karty ho pta chalta hai k ap ko dil se khushi hoi i reallyyyyyyyyyy respect u frm da bottom of ma heart really bhai u deserve that respect bcoz u r a nice person love u brother :)

On Tue, Oct 11, 2011 at 7:29 PM, Shahzad Sadiq <lushahz@gmail.com> wrote:

Wa alaikum assalam.................

Gr8 news.................Me very happy for you brother.....you did a lot for students like me by helping them timely.......

...........~*Thank You*~...........

May ALLAH bless you success in each & every step you are going to take in future........Ameen

On Tue, Oct 11, 2011 at 7:23 PM, Muhammad Afaaq <afaaqtariq233@gmail.com> wrote:

Asslam O Alikum
friends jst now my yesterday viva result announce

1st of all i thanks u my sweet Allah
than my parents

i like to thanks my whole team 4 support me
specially Shani bhai, faiza, hira, nisha and andleeb

and all my sweet frnds n fellows who pray 4 me and support me all ma MBA journey thanksssssssssss u so much all of u
i will also like to say n support ma 2 brothers + frnds mian Waqar bhai & Munir saghir bhai :)

am v happy friends :)

i like to thanks ma enemies 4 make me strong also that ... who is jealous with me i jst think and ignore that and never hate those peoples who r jealous from me i respect his/ her jealousy bcoz they r the ones who thnk that am better than him r her

At last i wanna share some thing with all my frnds when u r truly believe that u deserve success
ur mind will automatically generate ways to achieve it

Remember Me in Your Prayers

Best regard's
Ch. Muhammad Afaaq (Arrien)

MBA (Finance)
Islamabad
Afaaq_Tariq@yahoo.com

0346-5329264

For latest assignments solved quizzes files GDB, Solve & Unsolved Past Papers come join us in

http://www.vubaba.com

http://groups.google.com/group/vustudymania

If u like me than raise your hand with me
If not then raise ur standard
That's about me … !

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

--

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████

Remember Me in Your Prayers

Best regard's
Ch. Muhammad Afaaq (Arrien)

MBA (Finance)
Islamabad
Afaaq_Tariq@yahoo.com

0346-5329264

For latest assignments solved quizzes files GDB, Solve & Unsolved Past Papers come join us in

http://www.vubaba.com

http://groups.google.com/group/vustudymania

If u like me than raise your hand with me
If not then raise ur standard
That's about me … !

Re: ~ VuPak2009 ~ My MBA Complete with 3.83 CGPA

Congratulations to U for such Great Result .......
May Almighty Help U alot.................
and have a Bright future Ahead........

On Tue, Oct 11, 2011 at 5:28 PM, Hafiz Salman Majeed <hafiz.salman.majeed1@gmail.com> wrote:

ALHUMDULILLAH... am Successfully passed out my MBA with 3.83 CGPA..

Congratulation to MAHA SHAH and QAZI UMER... they also Passed out Today...

First of All am Very Thankful to VU Askari Group... they really helped me out and give me sincere and energetic friends... with them hafiz salman majeed is nothing....

AM Also Thankful to all Other groups and sites... love you all...

Thanks to all my Friends who encourage me in my whole mba... plus also thanks to my enemies...they also encourage me to stand and fight with them... :D

Thanks to Each and every person in my Group... There is long list... kisi ka ka name bhi miss ho giya to meri shamat aa jani hai... thats why no Name...

Thank You SO Much Askari Group....I Love YOu......

Just want to mention one person name that IFTIKHAR NAQVI... who create this group and make me part of this group... Thank you so much sir for giving us Such a nice platform for Study....Allah bless you....

My Result also attached... :D

--

█▓▒░ Hafiz Salman Majeed░▒▓█

www.vuaskari.com

MBA Last Semester (Finance Group)

LAHORE

اللہ آپ کو آسانیاں عطا فرمائے۔
جزاكم الله خيرا وأحسن الجزاء في الدنيا والأخرة

جہاں رہیے اللہ کے بندوں کے لیے باعثِ آزار نہیں، باعثِ رحمت بن کر رہیے

--
You received this message because you are subscribed to the Google Groups "Virtual University of Pakistan 2009" group.
To post to this group, send email to virtual-university-of-pakistan-2009@googlegroups.com.
To unsubscribe from this group, send email to virtual-university-of-pakistan-2009+unsubscribe@googlegroups.com.
For more options, visit this group at http://groups.google.com/group/virtual-university-of-pakistan-2009?hl=en.

Re: (Attock VU Group) my viva result announced now me pass my MBA :)

Wa alaikum assalam.................

Gr8 news.................Me very happy for you brother.....you did a lot for students like me by helping them timely.......

...........~*Thank You*~...........

May ALLAH bless you success in each & every step you are going to take in future........Ameen

On Tue, Oct 11, 2011 at 7:23 PM, Muhammad Afaaq <afaaqtariq233@gmail.com> wrote:

Asslam O Alikum
friends jst now my yesterday viva result announce

1st of all i thanks u my sweet Allah
than my parents

i like to thanks my whole team 4 support me
specially Shani bhai, faiza, hira, nisha and andleeb

and all my sweet frnds n fellows who pray 4 me and support me all ma MBA journey thanksssssssssss u so much all of u
i will also like to say n support ma 2 brothers + frnds mian Waqar bhai & Munir saghir bhai :)

am v happy friends :)

i like to thanks ma enemies 4 make me strong also that ... who is jealous with me i jst think and ignore that and never hate those peoples who r jealous from me i respect his/ her jealousy bcoz they r the ones who thnk that am better than him r her

At last i wanna share some thing with all my frnds when u r truly believe that u deserve success
ur mind will automatically generate ways to achieve it

Remember Me in Your Prayers

Best regard's
Ch. Muhammad Afaaq (Arrien)

MBA (Finance)
Islamabad
Afaaq_Tariq@yahoo.com

0346-5329264

For latest assignments solved quizzes files GDB, Solve & Unsolved Past Papers come join us in

http://www.vubaba.com

http://groups.google.com/group/vustudymania

If u like me than raise your hand with me
If not then raise ur standard
That's about me … !

--
█████████████████████████████████████████████████
██████████████████ Basic Group Rules ███████████████████
Immoral & Rudish talk, Earning program links, Cell number for friendship purpose, Websites/Groups Links, Adult contents, Criticize-able Islamic stuff, Spreading disruption, Spamming are strictly prohibited and banned in group.
█████████████████████████████████████████████████
█████████████████████████████████████████████████

Follow these detailed Group Rules, otherwise you will be banned at any time.
https://docs.google.com/document/d/1YJxA8x3_U7C1lRc0EXfLrJpco4A1XkB1vDxOTqOd3Jg/edit?hl=en&authkey=CNDy9tkJ

Group Email Address:
Attock-VU-Group@Googlegroups.Com

Join group by sending a blank email from University ID at:
Attock-VU-Group+Subscribe@Googlegroups.Com

████████████ Click here to Join this group at Facebook:████████████
♥ ♥ ♥ https://www.facebook.com/home.php?sk=group_111877855568034 ♥ ♥ ♥
█████████████████████████████████████████████████