Marketing Management First Assessment Essay Example | Topics and Well Written Essays - 2000 words

Marketing Management First Assessment - Essay Example virtuousia Community Capital Inc. is however unique because it is a non-profit motivated bank. The bank home run mostly low income and middle income earning individuals to empower them. While at this, the bank often earn considerable core of profit that is majorly given back to the club with regard to communal services (Savitz, 2013 p.12).This is the first pillar of the Triple Bottom Line abridgment that is to be employed to analyze the overall performance of Virgin Community Capital Inc. (VCC). The banks greatest source is the interests it earns from the loans it advances to the community for various activities they take. VCC is approximated to have issued out loans worth a total of $419 million. Below is analysis of the financial statement that reveals the ideal position of the organization (Chhabra, D., 2010 p.13).The bank is believed to have reported an earnings ratio of about 66% in the year 2012. This is high than the 3 5% registered in 2011. This implies that the write off of interest increased more than the increase of the interest earn by the bank. Deposition amount obviously was higher than the amount of loans in the year before. This depicts that at that particular juncture the bank was working towards a negative ground and was registering a loss (Savitz, 2013 p.13). This is also portrayed by a trend analysis whereby the income interest increased as from the year before, 2011, 50%, compared to a lesser value in 2012, 17%. However, the interest from expense rose from 65% to 121% by 2012.It is prudent to note that the profit ratio is seen to have increased from 0.056 to 0.072 and is an indicator that bank is self sustainable due to the earned profit. The provision rate of loans in VCC is seen to have gone down. This depict that solvency of the bank in situations of default would be prudent since the bank is at less riskier loans in the current year. This is clear when you look at the decreasin g loan loss provision ratio