A Comparative Analysis of the Financial Ratios of Selected Banks in the India for the period of 2011-2014

Most financial statement analyses focus on firms belonging to industries that either contribute significantly to economic figures or posit in a highly competitive business environment. The objective of this paper is an analysis done to see the extent to which a company has implemented using rules financial performance is good and right. This study investigates performance of commercial banking sector for the period of April- 2011 to March -2014. Financial statements of Axis bank, ICICI bank, Federal bank and HDFC bank for the indicated periods were obtained from database such as CMIE, Prowess, money control and yahoo finance. Necessary information derived from these financial statements were summarized and used to compute the financial ratios for the four-year period. Financial ratios are tools used to measure the profitability, liquidity and solvency performance of four major Indian commercial banks. This research is to analyze the financial statements of these banks using liquidity ratios, activity ratios, leverage ratios, profitability ratios, and market value ratios. For liquidity, the following ratios were used: current ratio, quick or acid-test ratio. For activity, Inventory turnover ratio, debtor turnover ratio and working capital turnover ratios were used. For leverage, the following ratios were used i.e. debt ratio, equity ratio, and interest coverage ratio. For profitability, profit margin, net profit margin, return on assets, return on shareholder’s equity, and earnings per share were used. For market value, price-earnings ratio and earning par share ratios were used. Keywords: Current Ratio, Acid ratio, Quick ratio, Return on Assets (ROA), Return on Shareholder’s Equity (RONW), Earning per share (EPS)

Feature Selection for Text and Image Data Using Differential Evolution with SVM and Naïve Bayes Classifiers

Classification problems are increasing in various important applications such as text categorization, images, medical imaging diagnosis and bimolecular analysis etc. due to large amount of attribute set. Feature extraction methods in case of large dataset play an important role to reduce the irrelevant feature and thereby increases the performance of classifier algorithm. There exist various methods based on machine learning for text and image classification. These approaches are utilized for dimensionality reduction which aims to filter less informative and outlier data. Therefore, these approaches provide compact representation and computationally better tractable accuracy. At the same time, these methods can be challenging if the search space is doubled multiple time. To optimize such challenges, a hybrid approach is suggested in this paper. The proposed approach uses differential evolution (DE) for feature selection with naïve bayes (NB) and support vector machine (SVM) classifiers to enhance the performance of selected classifier. The results are verified using text and image data which reflects improved accuracy compared with other conventional techniques. A 25 benchmark datasets (UCI) from different domains are considered to test the proposed algorithms.  A comparative study between proposed hybrid classification algorithms are presented in this work. Finally, the experimental result shows that the differential evolution with NB classifier outperforms and produces better estimation of probability terms. The proposed technique in terms of computational time is also feasible

Improved automatic discovery of subgoals for options in hierarchical

Options have been shown to be a key step in extending reinforcement learning beyond low-level reactionary systems to higher-level, planning systems. Most of the options research involves hand-crafted options; there has been only very limited work in the automated discovery of options. We extend early work in automated option discovery with a flexible and robust method.Facultad de Informátic

Improved automatic discovery of subgoals for options in hierarchical

Options have been shown to be a key step in extending reinforcement learning beyond low-level reactionary systems to higher-level, planning systems. Most of the options research involves hand-crafted options; there has been only very limited work in the automated discovery of options. We extend early work in automated option discovery with a flexible and robust method.Facultad de Informátic

Switzerland Feasibility Analysis

This feasibility analysis was prepared for Dr. Karen Oates, Dean of Arts and Sciences at Worcester Polytechnic Institute, to present the paradigm for Zurich, Switzerland as a project center. Following university requirements for existing project centers and the vision of faculty, we delineated the components for a sustainable, compelling project center. After assessing all relevant information from an on-site investigation, we concluded that the necessary environment exists in Switzerland and recommended a model for the establishment of the center

Multiple myeloma presenting with acute pancreatitis and renal failure

Multiple myeloma is the disease of elderly male with medullary and extramedullary involvement. Pancreatitis is rarely reported insuch cases. Here, we report a case of an elderly male who presented with a clinical picture of acute pancreatitis and when investigated,was found to have multiple myeloma and acute renal failure. He was further evaluated for various causes of pancreatitis and wasfinally concluded to have a possibility of a direct invasion of pancreas by plasma cells

A Study on the Association of Entrepreneurship Ecosystem with Financial Inclusion

Purpose: The purpose of this study is to examine the association of entrepreneurship ecosystem with financial inclusion, and to explore the potential ways in which the ecosystem can be leveraged to improve access to financial services for marginalized communities.   Theoretical framework: The study utilizes the ecosystem approach to entrepreneurship, which emphasizes the interdependence and interplay of various stakeholders in the entrepreneurial process. The study also draws on the concept of financial inclusion, which refers to the provision of affordable and accessible financial services to all individuals and businesses.   Design/methodology/approach: The study employs a mixed-methods approach, including a literature review, case studies, and surveys, to collect data from a variety of stakeholders in the entrepreneurship ecosystem.   Findings: The findings suggest that the entrepreneurship ecosystem plays a critical role in promoting financial inclusion. The ecosystem can be leveraged to increase access to financial services for marginalized communities through the development of innovative financial products and services, the creation of mentorship and networking opportunities, and the promotion of policies that encourage financial inclusion.   Research, practical and social implications: The study contributes to the understanding of the relationship between entrepreneurship and financial inclusion, and has implications for policymakers and practitioners seeking to promote financial inclusion through entrepreneurship. The findings can also inform the design and implementation of programs and policies aimed at promoting entrepreneurship and financial inclusion in marginalized communities.   Originality/value: The study is among the first to examine the association of entrepreneurship ecosystem with financial inclusion and to explore the potential ways in which the ecosystem can be leveraged to improve access to financial services for marginalized communities

Intraneural synovial sarcoma of median nerve: A rare case report with review of literature

Synovial sarcomas are highly aggressive soft tissue tumour with a poor and dismal prognosis. These tumours have a high propensity for distant metastasis and local recurrence.  Although originally believed to arise from synovium, these tumours have been found to occur anywhere in body1,2. We report here, a case of median nerve sarcoma in a 15-year female. This is a rare tumour, which is diagnosed only after histopathological examination with only a few cases reported in the literature (Table 1). Although preoperatively tumour was thought to be a nerve sheath tumour, on histopathology analysis was found to be synovial sarcoma. Despite aggressive behaviour, wide local excision is recommended even in smaller lesions. So, the diagnosis should always be kept in differentials of nerve sheath tumour, as what may be a synovial sarcoma

THINK Robots

Retailers rely on Kiva Systems’ warehouse robots to deliver order-fulfillment services, but current systems are frequently interrupted and require physical barriers to ensure compliance with safety regulations since Kiva does not currently rely on the obstacle detection system to contribute to the functional safety of its overall system. After evaluating operating scenarios and detection technologies, a solution comprised of a stereo vision system to detect static objects and a radio ranging system to identify humans in the vicinity was designed, built, and verified, with the aim of reducing undue downtime and allowing humans and robots to safely interact without physical restrictions