The Use of Sweetners and the Rise in Obesity Essay

The Use of Sweetners and the Rise in Obesity - Essay Example Sugars got acquainted with assistance lessen people’s admission of sugar. A sugar can be best depicted as issue used to improve a beverage or food. This is as a rule instead of sugar. They got ordered into two fundamental classes: the nutritive sugars. These are the sugars that get processed in the body just somewhat; they got known to give food vitality incentive to the body. For instance, glucose, nectar, maltose and transform sugar. The other classification of sugars is the nonnutritive sugars (Mendosa et al, 2008). These don't get processed as on account of the nutritive sugars. It is a result of this that they get said to contain an inconsequential measure of food vitality esteem. Models incorporate cyclamates, sucralose and stevia. One of the sugars utilized instead of the sugar is Stevia. This is a characteristic nonnutritive sugar. It gets got from the leaves of the Bertoni plant which normally happens in the timberlands of southern America. Its name got given after the botanist pioneer who found it in 1908. He was an Italian by the name Dr. Moises Santiago Bertoni. This plant had been in presence for two or three years. The local populace knew and named it as kaa he-he, which implied nectar leaf (Etkins, 1997). They utilized its leaves to enhance the flavor of their unpleasant tea; they just as bit on the leaves for their sweet taste or in clinical mixtures. It was after Dr. Bertoni’s disclosure that such a mostly secret and uncommon plant turned out to be notable and popular. His revelation empowered the plant to be gotten to by numerous individuals other than just the individuals who approached its normally happening territory. These being the local Indians who initially involved the land before the travelers came. In 1908, the main dried leaves of the plant got gathered and delivered as a sugar. It was not until 10 years after the fact that the plant got brought to the consideration of the United States government

Invisible Man Argumentative Essay Example For Students

Imperceptible Man Argumentative Essay The requirements depicted in  «The Invisible Manâ » infer we live in a nation that is separated by race, ethnicity, religion and class (partialities towards contrasts). A person’s life is then intensely molded around these edges. Some in the minority shockingly attempt to deny these hindrances to section of the American tip top by overlooking alerts and stifling at various times inconsistencies and supplanting them with trust. This conduct is delivered by the regular rebellion of a human to not be made accept that he is sub-par, and from the disarray between the implications of the laws of integration and social mix. The account of the Invisible Man portrays the hardship and reality this way drives an African American, and as a general rule to numerous Minority-Americans. The main thing our perusing calls attention to is the manner by which isolated Americans are and the reasons. The most essential reality is that most of American residents are white of European heritage. As in some other nation, the dominant part runs the show. In this nation the larger part additionally appreciates the commitments of their minority (from captives to present day sweat shops, to the bleeding edges of war, music, sports, and so on). To continue getting these advantages laws are set that empower for such exercises to happen. Americans will twist around in reverse when some monetary or political intrigue is made applicable to them (WTO’s genuine goals for instance). Be that as it may, it is untouchable for a white individual to absorb into a minority culture making minorities non-American. Since 1607 whites have been liquefying together and have homogenized the American lifestyle. The laws for the American lifestyle place the Northern Europeans on the top with every single other white under them, at that point every single other minority and last the dark man. This can be seen all through the entirety of our business and political foundations. Minorities are still asked to give it beneficiary best, however their best in never regarded. In any event, when blacks or different minorities make it into political places of notoriety, they should consistently watch their backs and be mindful so as not to be released for not adjusting. In the event that minorities, particularly blacks, do choose to adjust, whites disparage them further. They are not treated with a similar comradery or offered access to enrollments of offices that encourage the best of Americans. They are mentally mishandled by being caused to feel that they are making the best decision however not adequate. Instances of accomplishments by different blacks are hung before them. However, when they make it, they understand that there is nothing for them. Every single other race additionally disparage the conformant. They name him a rat and a scoundrel. The African-American is then placed into a hopeless scenario. Not at all like different minorities blacks conceived in America don't have a culture to swear by, be pleased with, and call their own. There is a missing connection between the African and the dark conceived in America. White Americans don't have a culture, yet they profess to have one by parading their influence, cash and assets. The African American was denied the training his own African culture during the time Africans previously showed up in this nation. At that point there were several years of endeavors to acclimatize into the American culture, which progressively cut off the tie to Africa. Today they are informed that they don't have a culture except if destitution is viewed as one, or that what they do rehearse is anything but a socially satisfactory culture (by whites obviously). This leaves blacks in America no place. All blacks in America need to call their own is the stunning recollections of their precursors inside the last 300 years. All they need to anticipate is the nonstop decimation of their race in America. .u851712bc6cea36089689fd14498ab7e7 , .u851712bc6cea36089689fd14498ab7e7 .postImageUrl , .u851712bc6cea36089689fd14498ab7e7 .focused content zone { min-stature: 80px; position: relative; } .u851712bc6cea36089689fd14498ab7e7 , .u851712bc6cea36089689fd14498ab7e7:hover , .u851712bc6cea36089689fd14498ab7e7:visited , .u851712bc6cea36089689fd14498ab7e7:active { border:0!important; } .u851712bc6cea36089689fd14498ab7e7 .clearfix:after { content: ; show: table; clear: both; } .u851712bc6cea36089689fd14498ab7e7 { show: square; change: foundation shading 250ms; webkit-progress: foundation shading 250ms; width: 100%; darkness: 1; progress: haziness 250ms; webkit-change: murkiness 250ms; foundation shading: #95A5A6; } .u851712bc6cea36089689fd14498ab7e7:active , .u851712bc6cea36089689fd14498ab7e7:hover { obscurity: 1; change: mistiness 250ms; webkit-progress: murkiness 250ms; foundation shading: #2C3E50; } .u851712bc6cea36089689fd14498ab7e7 .focused content zone { width: 100%; position: relative; } .u851712bc6cea36089689fd14498ab7e7 .ctaText { outskirt base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: intense; edge: 0; cushioning: 0; content beautification: underline; } .u851712bc6cea36089689fd14498ab7e7 .postTitle { shading: #FFFFFF; text dimension: 16px; text style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u851712bc6cea36089689fd14498ab7e7 .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; fringe: none; outskirt sweep: 3px; box-shadow: none; text dimension: 14px; text style weight: striking; line-tallness: 26px; moz-outskirt span: 3px; content adjust: focus; content improvement: none; content shadow: none; width: 80px; min-tallness: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/basic arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u851712bc6cea36089689fd14498ab7e7:hover .ctaButton { foundation shading: #34495E!important; } .u851712bc6cea36 089689fd14498ab7e7 .focused content { show: table; tallness: 80px; cushioning left: 18px; top: 0; } .u851712bc6cea36089689fd14498ab7e7-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u851712bc6cea36089689fd14498ab7e7:after { content: ; show: square; clear: both; } READ: Federalism EssayIn the end, the dark white collar class is caused to feel imperceptible, as though they don't exist. Furthermore, the poor dark class is taken a gander at as the foe of our America. Our ancestors attempted to caution blacks, however the sections of the thirteenth, fourteenth and fifteenth Amendments have confounded numerous into imagining that whites would like to acclimatize ( just not every one of them). Tragically there is a confusion about these laws. These laws are integration laws, not social joining laws. But since they didn't state, they were seen as the pass to being American. In any case, ongoing scorn wrongdoings come clean. Numerous whites today don't see themselves as supremacist. They feel that they are equivalent and reasonable. Be that as it may, they are visually impaired. Their childhood has deliberately instructed them that they have implicit benefits and that they should consistently secure them. Until they are happy to concede that they are supremacist and that they should accomplish something, the equivalent appropriation of capacity to all races and ethnicity’s won't happen. The United States tells the world it represents opportunity and correspondence. In any case, we realize that the implicit truth is that their will consistently be a boundaries to instruction, access to capital and financial opportunity for blacks and minorities.

Themes for Different College Essay Topics

Themes for Different College Essay TopicsThe various college essay topics will depend upon your desired major and your particular interests. Generally, there are three important themes that students should strive to follow in their essay writing: character, the meaning of life, and community involvement.Students should research these themes prior to submitting an essay. Every student has his or her own ideas about life's meaning and what to do with it after they graduate. The college writing sample is like a perfect template for determining which topic will work best for your particular needs. Here are some tips to help you get started:Always take the time to read the college writing sample closely before submitting it. This will give you an idea of what to include and what not to include. Most students become overly concerned with getting the perfect college essay topic idea, but if you take the time to read the college writing sample carefully, you will discover a few things that y ou can start incorporating into your essay.For example, if you want to be more specific in your essay, and use a broader topic, you will want to research and see what is available in the college writing sample that is appropriate for your intended topic. Many topics will require that you focus on the greater meaning of life. This is a topic that will allow you to 'get real' and tell a little more of the story about your life.When writing about the meaning of life, it is best to stay away from the topics of money and possessions. These are topics that will likely get a negative reaction. Instead, make the introduction to your essay on your interests, your place in the world, and how your beliefs shape your life.Character is the next of the three most important college essay topics. It is important to make sure that your essay will be honest and trueto yourself. You want to make sure that you include honest facts about yourself and let your audience know that you truly care about who you are and what you represent to others.Community involvement is a topic that is highly recommended for college essay topics. It allows you to show the importance of your community to you and how you have helped others. It is a very important concept that needs to be integrated into the essay. Whether you are writing about your personal or professional experiences, mention the importance of your contribution to your community.Finally, the themes that will ultimately determine which college essay topics will work best for you are the things that you truly believe and the ones that you would like to incorporate into your college writing sample. These are your goal ideas for your essay. Remember that these are your biggest goals and the best way to achieve them is to consider all the different college essay topics.

White Oak, A Top 100 Common Tree in North America

Child Is Born With Down Syndrome - 863 Words

A baby is defined as viable when he/she is capable of surviving outside the mother’s womb and is able to develop independently. As described on page 70 in the textbook, a small percentage of babies become viable around 23 weeks. However, it is very difficult for all the newborn’s organs to become fully self-sufficient outside of the womb at this stage. A newborn that is born at 23 weeks is more likely to struggle with respiratory function and have underdeveloped brain structures as they must further develop outside the safety and support of the womb. Therefore, on average, true viability is reached at 24 weeks with further development and increased survival odds. 2. If a child is born with Down syndrome, what kind of condition do they have? Genetically speaking, why does the child have Down syndrome? What are two challenges that the child has a higher risk of? (3 points) A child that is born with Down syndrome has a condition called trisomy 21. The term trisomy is described as the chromosomal error that results in a specific chromosome to have three copies. Therefore, in a case of Down syndrome, there are three copies of chromosome 21 in their DNA. A child with Down syndrome has a higher risk of hearing loss, heart abnormalities, and hypothyroidism. 3. What are 3 things that impact the wellbeing of the baby that the mother can do before the child is born? What are potential outcomes of these activities? (3 points) The choices that a mother make while pregnant can greatlyShow MoreRelatedEssay on Effects of down syndrome1418 Words   |  6 Pagescommon every year. A study shows that there are about 6,000 diagnoses of Down Syndrome each year in the United States(National association for Down syndrome). One in every 800 babies is born with Down Syndrome (Marsh). This is a rise from the previously reported statistic of 1 in every 733, as it was reported in 2010. Down Syndrome is a common chromosome disorder due to an extra chromosome number 21(PudMedhealth). Down Syndrome causes mental retardation, a characteristic facial features, and multipleRead MoreDown Syndrome As A Cognitive Disorder Essay1315 Words   |  6 Pages Down syndrome as a cognitive disorder Down syndrome (DS) is relatively well known as a genetic disorder to the general public and children with this syndrome form one of the most readily identifiable groups of children with moderate to severe learning difficulties. It has been over 130 years since Langdon Down first described DS and 30 years since the presence of the defining extra copy of chromosome 21 was identified by Lejeune andRead MoreA Brief Look at Down Syndrome670 Words   |  3 Pagesmistake is the cause of 1 in 691 babies being born with what is known as Down Syndrome. In every cell in the human body, there is a nucleus. Typically there are twenty three chromosomes in each nucleus. Down Syndrome occurs when there is extra full or partial copy of chromosome 21. Down Syndrome is a chromosomal condition that causes low muscle tone, small stature, and a single deep crease across the center of the palm. Although, each person with Down Syndrome is a unique individual and may have theseRead MoreLiving With Down s Syndrome978 Words   |  4 PagesLiving with Down’s Syndrome Down’s Syndrome, also known as Trisomy 21, happens when a problem occurs in the body’s chromosomes. Chromosomes are the structure that holds genes which give the body instruction on how to work and grow. Each person has 23 pairs of chromosomes in every cell in their body and each pair consists of one chromosome from the father and one from the mother. Babies born with Down’s Syndrome have an extra copy of chromosome 21 which changes the way the brain and body developRead MoreChildhood Development : Down Syndrome Or Trisomy 211291 Words   |  6 Pagesdisorder known as Down syndrome or trisomy 21. Down syndrome (DS) can affect multiple areas of a person’s development both mentally and physically. This paper looks at how to detect DS as early as the second trimester of pregnancy, the effects it has on early childhood development, and the effects on a person’s mental abilities. First of all, it is important to define Down syndrome. Traditionally, people are born with 46 chromosomes, 23 from the mother and 23 from the father. Down syndrome usually occursRead MoreThe Discovery Of Down Syndrome874 Words   |  4 PagesDown syndrome is a common disorder where the child gets an extra copy of the 21st chromosome. It happens in every 691 babies born in the United States. This adds up to about 6,000 babies born with the disorder a year. The major points in this paper are: when the disorder was discovered, the symptoms, the lifespan, the medical treatments, if it is a dominant trait, what chromosome is affected, and how it is passed down to offspring. The discovery of Down syndrome was by an English physician namedRead MoreThe Earliest Depictions Of A Person With Down Syndrome1037 Words   |  5 Pagesa person with Down syndrome was dated in 1515 in a Flemish painting. Doctor John Langdon Down described Down syndrome as a disorder in 1866, however he misunderstood on how the syndrome first came about. The cause to Down syndrome was discovered recently in 1959 as being the common cause of cognitive impairments. All individuals who contain down syndrome show symptoms of mild to moderate learning disability, distinctive facial features, and hypotonic in early infancy. Down syndrome often associatesRead MoreI Have A Friend With Down Syndrome912 Words   |  4 Pageschose Down syndrome. I have a friend with Down syndrome and I would like to learn more about it. On this paper I am going to be giving an overview of the disorder and treatment options. Down syndrome is a disorder in which an individual gets a full or partial extra copy of chromosome 21. Normally, at the time of conception a baby inherits genetic information from its parents in the form of 46 chromosomes: 23 from the mother and 23 from the father, but in most cases of Down syndrome a child gets anRead MoreDown Syndrom1638 Words   |  7 PagesAbstract a) Down syndrome b) Interesting topic c) Understanding why down syndrome occurs Introduction a) Who discovered Down syndrome b) What is Down syndrome Body research A. What Causes it and is it inherited? 1-Trisomy 21 2-Mosaic Down syndrome 3-Translocation Down syndrome B. How Down syndrome affects Kids 1-Physical features 2-Learning C. Risk factors 1-Advancing maternal age 2- Being carriers of the genetic translocation for Down syndrome 3-HavingRead More Down Syndrome Essay676 Words   |  3 Pages Down syndrome is a genetic disorder in which a person is born with an extra copy of chromosome 21. There are three genetic variations that cause Down syndrome: Trisomy 21, Mosaic Trisomy 21 or Translocation Trisomy 21. There are many ways in which theses disorders affect the body.  Ã‚  Trisomy 21 occurs when an egg or sperm comes in with an extra copy of chromosome 21, then, once an embryo is formed and starts to develop, the chromosome is replicated in every single cell of the embryo. Trisomy 21 is

The Production Of The Green Revolution - 2287 Words

Between 1960 and 1980, in what was called The Green Revolution, up-to-date techniques and advanced fertilizers helped many farmers raise production levels. However, according to the article, Global agricultural production has only risen by 2.3 percent since 1961. Of course populations steadily rise, so it is as though we keep taking a step backwards, yet we are not living as meagerly as we did in the past. We are more unbalanced in every way when it comes to supply and demand for important resources. The use of chemicals in agriculture in the US and other countries has caused a degradation in soil. After so many years, the fertilizers are unable to control what they were initially made for, so they must be replaced with even stronger, more toxic chemicals. We are causing our lands to be void of any natural nutrients and hostile to newly introduced food production. The use of biofuels is much higher than predicted. The US demand for biofuels is the highest percentage, and we main biofuel use is corn ethanol. This has caused the price of corn to rise dramatically in other parts of the world. In an attempt to discover cleaner renewable sources for motor fuel, corn production began to make biofuel. This â€Å"ethanol† is blended with gasoline. The government gave incentives to the oil companies, and like most other incentives, this was over the top. Therefore, it became a race to see who could gain the most profit. Now most developed countries similar to the US areShow MoreRelatedThe Success Of The Green Revolution850 Words   |  4 Pagessaving over a billion people worldwide from starvation. Mr. Borlaug was responsible for what we know today as â€Å"The Green Revolution†. 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The Government made a package deal consisting of high yielding varieties of seeds, water management, pest controlRead MoreThe Green Revolution885 Words   |  4 Pagesthe Green Revolution. Effects of the Green Revolution The Green Revolution helped to reduce widespread poverty, averting hunger for millions of people. However the Green Revolution also spurred its share of negative consequences, often not because of the technology itself but rather, because of the policies that were used to promote rapid intensification of agricultural systems and increase food supplies. According to Pingali (2012) Africa was the main exception to the success of the Green RevolutionRead MoreAgriculture in India: Before and After Independence1101 Words   |  5 Pagesremoving Zamindari system). Area-specific intensive programmes were implemented. Production was increasing, but India’s population was rapidly increasing. To meet the rising demands, imports were initiated. 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The country suffered from severe droughts which ultimately threatened famineRead MoreGreen Revolution1494 Words   |  6 Pages[pic] The Green Revolution The worlds worst recorded food disaster occurred in 1943 in British-ruled India. Known as the Bengal Famine, an estimated 4 million people died of hunger that year in eastern India (which included todays Bangladesh). Initially, this catastrophe was attributed to an acute shortfall in food production in the area. However, Indian economist Amartya Sen (recipient of the Nobel Prize for Economics, 1998) has established that while food shortage was a contributor to theRead MoreA Brief Look at the Green Revolution740 Words   |  3 Pagesmovement termed the â€Å"Green Revolution† (Briney, 2008). Starting in the 1960s, this movement encouraged nations around the world to use â€Å"high yielding seeds and chemical infused fertilizers† to increase their productivity on farms, thus leading to a more rewarding lifestyle (Curran, 2013). Together, these materials made up the American way of farming, and the results made significant changes to agriculture. Farmers who adopted the American farming methods of the Green Revolution experienced immediateRead MoreThe Green Revolution Essay989 Words   |  4 PagesBroad Topic: The Green Revolution Narrowed Topic: Pesticides and the Green Revolution: The impact on the environment and counter- measures. The green revolution technology phenomenon started in Mexico over sixty years ago. The technology which is still relevant today has, forever changed the way agriculture is conducted worldwide. According to Wilson (2005), green revolution technology â€Å"involved using high-yielding varieties (HYV) of seeds, pesticides and fertilizers in additionRead MoreEssay on Agriculture Review Questions712 Words   |  3 PagesChapter 11 Agriculture Review Questions 1. What events lead to the beginnings of the First Agricultural Revolution? How did the First Agricultural Revolution lead to the formation of urban areas? (you should incorporate plant domestication, and animal domestication in your answer) Events that lead to the beginnings of the First Agricultural Revolution are plant and animal domestication helped humans settle down. Plant domestication allowed humans to cultivate root crops and seed cropsRead MoreThe Bretton Woods System On The World s Natural Riches872 Words   |  4 Pagescreation of big corporations caused negative impact on the environment. The new economic framework established after the end of the World War II benefited the interests of the multinational corporations. The Bretton Woods system was aimed to boost the production and consumption of commodities. The World Bank and the IMF, led by the US, financed corporations and exploitation of resources. The Bretton Woods system was supposed to make use of the world’s natural riches. The fall of Communism in the world gave

JP Morgan Chase Financial Analysis Report - Click to Get Solution

Question: Discuss aboutt he Financial Analysis of JP Morgan Chase and Co. Answer: Introduction: JP Morgan Chase Company is the holding company and it operates under the Chase and Morgan brands and is one of the leading financial institution institutions in the world. It is one of the oldest institutions, which dates back to 1799. It is the largest bank in the United States, is worlds sixth bank in terms of value of net assets, and has net assets of worth $ 2.4 trillion The Company made a record in terms of net income of $ 24.4 million on revenue of $ 96.9 million (JPMorgan Chase Co 2016). The company has employees of over 235000 and has millions of customers ranging from small businesses to the leading corporate clients and to the government. The company has been capable of building the irreplaceable client franchise over the long term. The satisfaction of the customer and their loyalty toward this investment banking company is highest in the industry. There was a steep rise in the customer satisfaction since 2010. The company has made a remarkable amount of investment in sys tem of Anti money laundering. The company has delivered a record result for the last few years. The strengthened leadership position and the maintained franchise helped in gaining the market share. The company continued to deliver the value to the shareholder and the book value of the share is on the ever rise since 2004, though some uncertainty and regulatory and legal cost has led to lower price earning lower than that of competitors. The company is continuing to build the business by investing in technology, product and infrastructure and by increasing the branches all over the world. The company is capable of managing the risks so that it is able to survive in any scenario through management of the risks and techniques of testing the stress. The company intends to become a long-term investor (Burnell 2013). Discussion: Impact of strategic decisions made by the senior management on the financial health of the company The senior management of the JP Morgan Chase Co has been optimistic about the growth of the company and the strategic decisions made by them have a potential for growth. When the competitors are cutting down the investment in sales, investment banks and trading, but the JP Morgan is investing in the same and this is because as on the global level the need for trading is increasing. Despite the higher cost, the company is making fair profits. As the clients now a days needs the services in a broader way in all the class of assets and it has the scale of the profits. The company is making investment in sales, trading is in technology, this would help in accessing the trade in a safer, faster and cheaper way, and it is able to adjust to the updated regulations. Also investing in such thing would help to educate the people about the economy, company, securities, this would in turn make it easier for the corporate to sell off their securities, and this would make them explore, invest and grow (Cheng et al. 2013). The decision of making continuous investment in E trading has made the company to be the first one in delivering the FX trading Investment in FX business has enable them to process the trade of an average of nearly 500000 each day and this has propelled them to emerge as the leader in the market. The market share of the cash equity has gone straight up from 70% to 97% in the span of two years. The senior management also introduced a strategic over the counter derivatives. Processing the trade through this particular platform has led to the 50% reduction in the cost per trade in the time span of four years and the volume of the portfolio has increased by 30%. Derivate notional worth $ 2.2 trillion is settled on a daily basis through this platform. This has led to a greater efficiency in operations, which act as a driver to lower the costs and ultimately the cash outflow, and this creates happy customers. JP Morgan Chase Co is continuing its business of mortgage and it is because of the brand, which thinks that it is capable of building the quality and mortgage business that are not volatile and it helps in building the long-term relationship with the customers seeking mortgage. The strategizing the product set to 13 from 37 and dramatic reductions of originations of federal housing administration and this particular strategy has helped to foreclosure inventory by more than 80% (Lee et al. 2015). The exclusion of the company form the business of foreclosure has reduced the cost and difficulties. The scenario of stronger local currencies and weak demand from external would create a drag on the growth rate and so in the major markets, the company remained relatively less overweight and this was for Japan. On the other hand, the company underweight to UK equities tends to have unusual foreign exposure. Though it cannot be completely said that the US economy would be credible and would prosper and it is not affected by the world but the growth would stay strong. This strategy of management has been able to make the financial statements favorable as most of the strategies have led to cost reduction and increased investment and growth. Also the strategy of the company in lending against the good form of collateral and they did 10 billion type of this lending and they could easily manage the risks (Tien et al. 2013). Evaluating the financial performance of the company using different techniques The financial performance of the company is evaluated with various tools and application of technique. Here, the analyzing of the data is to be done using the ratio analysis and vertical analysis. Various ratios provide a deep insight to the outsiders regarding the financial performance. The comparison is made to one of the competitors and here the company to be compared is Wells Fargo Co and it is one of the competitors of JP Morgan. Various ratios are used in analyzing the financial performance: Return on assets is obtained by dividing the net income of the company by the value of assets. The return on asset ratio for JP Morgan for the three consecutive years continues to rise and it was 1.039 in the year 2015 as compared to .845 and .74 in the year 2014 and 2013. The ratio increased and this shows that the company has been efficient in utilizing its asset to generate earning. The ratios for Wells are quite high when compared to JP Morgan, though the ratio has decreased over the years from 1.43 in the year 2013 to 1.28 in the year 2015 (JP Morgan Chase Co, 2015). It is not good signal, as the company is not efficiently utilizing its current assets. However, the ratio is high in comparison to JP Morgan (JPMorgan Chase Co 2016). Graph 1:Return on assets ratio (Source: Created by Author) The ratio is increasing for both the companies but the ratio for JP Morgan is quite less than Wells and Fargo for the consecutive three years. Return on equity shows to the investors of the company that whether their investment is managed efficiently managed by the company and how their funds is utilized and how much return it has been able to generate for the shareholders. This ratio is calculated by using the following formula: ROE= Net income/ Shareholders equity The return on equity for JP Morgan is increasing over the years and it has increased to .094 in the year 2015 from .0846 in the year 2013. The ratio for Wells has decreased in the year 2015 but was more or less stable in the previous years. It is .118 in the year 2015 compared to.125 in the year 2014 and .128 in the year 2013 (JPMorgan Chase Co 2016). Graph 2: return on equity ratio Source :( created by author) But when the return is compared between the companies, Wels is able to provide higher return to their investors than JP Morgan. Current ratio helps in measuring whether the company is able to meet the short term or long-term obligations with the help of using its current assets. Current ratio is obtained using the formula: CR= current assets/ current liabilities The current ratio of JP Morgan for the year 2015 and 2014 is 2.029 and 2.475 respectively and it is 1.829 in the year 2013. However, the ratio has decreased in the current year but still it is more than 1, so it is regarded as appropriate and the business does not have any long standing dues. On the other hand for the Wells , the ratio for the year 2015 stands at 1.69 and it is 1.85 for the year 2014 and 1.9424 for the year 2013. The current ratio is falling over the years and it is desirable and is in the range. It indicates that the company is efficient in using the current assets. Graph 3: current ratio Source: created by author When it is compared to JP Morgan, the ratio is at better position for Wells and JP Morgan has higher ratio, which indicates that the company liquidity is safe, but it might have problem of long-term inventory. Efficiency ratios show how much the bank is paying on the operating expenses and shows how efficient bank is turning its resources into revenue. The lower the ratio the better it is for bank. If the ratio is high it would indicate that the revenue is decreasing or cost is increasing. It is obtained by using the following formula: Efficiency ratio = Expenses/ revenue The efficiency ratio of JP Morgan for the year 2015 is .6308 as compared to .6422 in the year 2014 and it is .729 in the year 2013. It can be seen that the efficiency ratio has gone down for JP Morgan. The ratio has decreased over the year and it is a good sign. The same ratios for Wells Fargo Co for the year 2015 and 2014 is .580 and .5813 respectively and it is .5829 for the year 2013, so it can be seen that the ratio for Wells is stable for the three consecutive year. However, when the ratios are compared with the JP Morgan, the ratio is quite low. So it is said that the efficiency of the Wells and Fargo Co is better than that of JP Morgan (DeAngelo and Stulz 2015). Efficiency ratio has been falling for JP Morgan but it is stable for Wells and Cargo, however the ratio is lower than JP Morgan. Graph 4: efficiency ratio Source: (created by author) The financial health of a bank is measured by using the capital ratio. It shows the riskiness of a bank and depicts the vulnerability of the bank balance sheet when it is exposed to unexpected bad loans. Here we need to calculate the tier 1 capital ratio. The component of capital ratio includes equity capital and disclosed reserves (Tran 2013). In addition, risk weighted asset is also needs to be calculated. The formula for calculating capital ratio is given by Capital ratio= tier 1 capital/ Total risk weighted assets The capital ratio has increased from the year 2013. The ratio stands at .000171 in the year 2015 as compared to .00015 in the year 2013 and .00014 in the year 2014. The companies, which does not have adequate capital ratio, are exempted from paying dividends and any management fees. The capital ratio for Wells has increased in the year 2015 as compared to 2013. The ratio stands at 7.27 in year 2013 and it again fell to 5.87 in the year 2014 and then has risen to 8.5 in the year 2015. So it can be said that both the companies are well capitalized and if there is any insolvent, then it shows how well the company can stand financial distress (Olalekan and Adeyinka 2013). Other technique used is the vertical analysis of both the companies and then comparing it with each other. The total revenue for JP Morgan was $93543 million in the year 2015 and it was $95112 million in the year 2014. The revenue was $97637 million in the year 2013. Total revenue has decreased over the year for this company. The total revenue for Wels and Fargo was $ 86057 million in the year 2015 as compared to $ 84347 million in the year 2014. Here, it can be seen that though the revenue for Wells and Fargo has increased over the years but the revenue for JP Morgan is quite higher than that of Wells and Fargo. The total annualized return for the shareholder for Wells and Fargo is higher than that of JP Morgan. The 5 year annualized return for JP Morgan is 12.1% and it 14.7% for Wells and Fargo. The 10 year annualized, return stands at 8.5% for Wells and Fargo as compared to 7.9% for JP Morgan (Jpmorganchase.com 2016). The Wells and Fargo has been ranked number one in when it comes to giving return to the shareholders and JP Morgan has been ranked at number 2 ( Wells and Fargo Co 2015). Wells and Fargo has generated $ 22.9 billion of net income in the year and the earning per share stands at $ 4.12. The net income for JP is $ 24442 million in the year. Therefore, the net income generation for the JP Morgan is higher than Wells and Fargo. The equity capital for Wells and Fargo has increased up to $ 193.9 million in the year 2015 as compared to the previous year when the equity capital is $ 8.6 billion and the pre provision profit of $ 36.1 billion in the year 2015 and it is $ 34529 million in the same year for JP Morgan. JP Morgan has an equity capital of $247.6 billion in the year 2015. The tier 1 equity ratio was 10.44$ for Wells Fargo as compared to JP Morgan where the ratio stands at 10.1%. Cash Flow analysis comparison Cash flows from the operating activities The operating cash flow activities of JP Morgan chase co. in the year 2015 was seen as a result of the decrease in the trading assets mainly due to the client driven market-making activities. This resulted in lower levels of debt and equity securities. More amount of cash flow activity was recorded due to decreased amount of client receivables and increased amount net proceeds due to loan sales activities. The polynomial trend line shows the decreasing trend of the cash flows from the operating activities. Although the cash flows went up from $ 36,593 to $ 73466, this shows the possibility of increasing cash flow in future (Jpmorganchase.com. 2016). The a major part of the cash flows from the operating activities of Wells and Fargo resulted due to sale proceeds on mortgages originated as a result of sale. Wells and Fargo also reported net income before non-controlling interest of $ 23276. The net change in the trading assets also contributes to the cash flows from the operating activities. The polynomial trend line shows the decreasing trend of the cash flows from the operating activities, the clear difference is seen in a linear decreasing trend over the years. This shows that the company needs to significantly its cash flow from the operating activities (Wells and Fargo Co 2015). Cash flows from the operating activities 2013 2014 2015 JP Morgan chase co. $ 107,953 $ 36,593 $ 73,466 Wells and Fargo $ 57,641 $ 17,529 $ 14,772 Cash flows from the investing activities The cash flows from the investing activities for JP Morgan chase co. is seen to be highest in the financial year of 2015. This was a net result due to the lower deposits with the bank for reducing the wholesale non-operating deposits. This positive increase was also due to the net proceeds from the pay downs, sale and purchase of the investment securities and maturities. The partial offsetting of the net inflows was shifted from the investment securities to amounts incurred due to the consumers wholesale loans. The polynomial trend line shows rrhe increasing pattern of the cash flows from the investing activities over the years (Jpmorganchase.com. 2016). The significant amount of the cash flows from the investing activities in case of Wells and Fargo is seen due to the purchases and the credit from the banking subsidiaries and the net principle collected from it. The polynomial trend line clearly suggests the degrading investing decisions made by the company from the year 2013 to 2015 (Wells and Fargo Co 2015). Cash flows from the investing activities 2013 2014 2015 JP Morgan chase co. $ (150,501) $ (165,636) $ 106,980 Wells and Fargo $ (153,492) $ (128,380) $ (107,235) Cash flows from the financing activities The decrease in the cash flows from the financing activities for JP Morgan chase co. in the year 2015 was a result of the deposits of the customers, long-term borrowings, preferred and the common stocks of the company. The cash outflows were also a result of the decreasing level of the commercial paper for the purpose of the discontinuation of the cash management. The cash provided by the several types of the financing activities in the year 2013 and 2014 was a result of the higher consumer deposits and wholesale deposits. The polynomial trend line shows the fluctuating cash flows of JP Morgan chase co. over the years (Jpmorganchase.com. 2016).. The cash flows from the financing activities was seen as a result of Wells and Fargo from the deposits. The deposits were further observed to decrease from $ 89133 in the year 2014 to $ 54867 in the year 2015. The increase in the short-term borrowings contributes to the growth of the cash flows from the financing activities. This was particularly observed to be highn in the year 2015. The polynomial trend line shows the constant net cash flows of Wells and Fargo over the years .(Wells and Fargo Co 2015). Cash flows from the financing activities 2013 2014 2015 JP Morgan chase co. $ 28,324 $ 118,228 $ (187,511) Wells and Fargo $ 93,910 $ 110,503 $ 92,003 Recommendation: From the above analysis conducted, it can be shown that the JP Morgan does not stand at a better position when compared to its competitors in terms of all the parameters considered here though the net income generated by JP Morgan is higher than that of Wells and Fargo. It can be seen that the capital ratio for both the companies is well above the requirement of Basel III but the point is not regarding the meeting of higher capital ratio. The return on equity for JP Morgan is lower than its competitor. The high requirement of the capital is creating a down pressure on the equity and this would limit the ability of the company in generating adequate to the shareholders. Therefore, the company needs to boost the rerun on equity by lowering down its requirement of capital. JP Morgan needs to implement some shareholder friendly tools into their business. The company needs to keep an eye on emerging competitors. The company has the opportunities to deliver good value to the shareholders a nd generate a growth rate, which would be long-term say if the five-year term is considered. The company also needs to efficiently utilize its assets so that the return is higher in the coming years. In order to improve the financial performance, the company should also be able to manage the receivables, which would help in improving the working capital and enhancing the productivity with the limited resources. Therefore, the company has concern of capital and the return, which it is offering to the shareholders. This would be possible if the company would lower down the requirement of the capital. The company needs to make optimum use of capital and other resources available. In addition, it needs to implement some of the methods of cost efficiencies so that the control costs are reduced. The equity securities should be invested for the capital appreciation to provide the long-term investment growth for the investors. The plan of asset allocation also needs to be reviewed. The comp any can effectively use the option of giving the dividend in equal parts and buyback of shares for the capital, which have been returned to the shareholders in the coming years. Conclusion: After conducting the analysis of the financial performance of both the companies, it can be concluded that when it comes to providing a good return to the shareholders, JP Morgan stands far behind the Wells and Fargo. The reason behind this was higher requirement of capital, lower interest rates and increasing cost of control. JP Morgan is still able to generate profits in the event of worse scenario and its profits are higher than its mentioned competitors are. The payout ratio is lower for JP Morgan. This leads to the anticipation that the future earnings per share growth would be least in line with the growth of dividend. The adoption of share repurchase program by the company would be apt as the valuation of the company is comparatively lower. The share repurchase program would fuel some growth in the per share if it is used in larger amounts and at lower price. Using this overall business would grow in the range of 4%-5% and would be able to generate earnings per share growth ra te of 6% annually. The company can use its additional profits for creating growth. The financial strength of the company would increase if it makes use of leftover funds. By going through the recommendation, it is concluded that the company has ample of opportunities to improve its financial performance when compared to its competitors. 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