Review the opening case study: OCBC Bank in Chapter 1 of the course text. In a three- to four- page paper, address the following:

1. Describe OCBC’s unique approach to talent management and development.
2. Compare OCBC’s approach to talent management and development to other organizations you are familiar with (e.g., current or past employers, family business).
3. To what extent do you agree that OCBC’s approach to talent management and development a primary contributing factor in its success? What can be other contributing factors?
4. To what extent does OCBC’s approach to talent management and development fit other types of organizations or industries? What can be some limitations if it is applied elsewhere without modification?
5. Conduct some additional internet research on OCBC. How has OCBC performed recently, and what has it done more of, less of, or differently in the area of human resource management?

Your paper must be formatted according to APA style

Write a five-to seven-page financial statement analysis of a public company, formatted according to APA style.   In this analysis you will discuss the financial health of this company with the ultimate goal of making a recommendation to other investors.   Your paper should consist of the following sections: introduction, company overview, horizontal analysis, ratio analysis, final recommendation, and conclusions.  Your paper needs to include a minimum of two scholarly resources in addition to the textbook as references.

Here is a breakdown of the sections within the body of the assignment:  

Company Overview
Provide a brief overview of your company (one to two paragraphs at most).   What industry is it in?   What are its main products or services?  Who are its competitors?  

Horizontal Analysis of Income Statement and Balance Sheet
Prepare a three-year horizontal analysis of the income statement and balance sheet of your selected company.  Discuss the importance and meaning of horizontal analysis.  Discuss both the positive and negative trends presented in your company.  

Ratio Analysis
Calculate the current ratio, quick ratio, cash to current liabilities ratio, over a two-year period.   Discuss and interpret the ratios that you calculated.  Discuss potential liquidity issues based on your calculations of the current and quick ratios.  Are there any factors that could be erroneously influencing the results of the ratios?  Discuss liquidity issues of competitive companies within the same industry.  

Recommendation
Based on your analysis would you recommend an individual invest in this company?  What strengths do you see?  What risks do you see?  It is perfectly acceptable to state that you would recommend avoiding this company as long as you provide support for your position. 

Writing the Final Paper

1.   Must be five to seven double-spaced pages in length, and formatted according to APA style as outlined in the Ashford Writing Center.

3.   Must begin with an introductory paragraph that has a succinct thesis statement.

4.   Must address the topic of the paper with critical thought.
5.   Must end with a conclusion that reaffirms your thesis.
6.   Must document all sources in APA style.
7.   Must include a separate reference page, formatted according to APA style.

Name:

Instructor:

Estimating Water Usage:

In the table below, provide the required information and enter the information about your household’s annual water usage from the water use calculator.  To calculate the percentage for each category, simply divide the value in each category by the Total Household Use and multiply by 100 (to convert proportion to percentage).

Which category comprised the greatest percentage of your household’s water use?  Was this surprising to you?  Why or why not?

Many people in rural areas in developing countries must still carry water from its source to their homes.  If you were to carry the amount of water used per person in your household on an average day, and a gallon of water weighs approximately 8.3 lbs, how many pounds of water would you need to carry each day?

Water Use Analysis:

Enter the “Total Per Capita Gallons of Water Used in the House” values from the calculator in the table below. 

How did your household’s water usage compare to the Tampa, Florida average? 

As water use varies geographically in the United States, the national average annual water use per person in 1995 was estimated to be 65,335 gallons, considerably higher than the Tampa average (United States Geological Survey, http://water.usgs.gov/watuse/pdf1995/html/).  How did your water use compare to this figure?  Please explain what the differences may be attributed to.

Analyzing Changes:

Examine how small changes in lifestyle would affect your household’s total water usage.  Return to the water calculator and make a reasonable change that would reduce your overall water usage – describe the change in the table below.  Press “Calculate” after making the change, calculate the number of gallons saved per year, and enter it in the table.  Reset the calculator to its original values, and repeat the procedure for two additional changes.

Seeing the reductions in water use that occur as a result of these changes, would you be willing to immediately implement any of them?  Explain why or why not.

Losses from Drips and Leaks:

Open the WaterWiser Drip Calculator, enter the values in the table below in the “# of drips per minute” box, hit the “Now Calculate” button, and enter the results in the table.  Let’s assume that your home has leaks like those listed.  For each of the drip rates, add the Daily Waste from leaks to your Total Per Capita Daily Use from the Tampa Water Calculator.  This would be your new Total Daily Water Use.  Then calculate the percentage of the total water used that is due to the leak.  As you did previously, simply divide the Daily Waste value by the Total Household Use and multiply by 100 (to convert proportion to percentage).

Total Per Capita Daily Use from Tampa Water Calculator: ____________________ gallons

Compare the percentages of water use due to the leak to the percentages for the other categories (Bathroom, Toilets, Faucets, etc.) from your initial run of the water calculator.  For each drip rate, list the category with the closest percentage.  To do this, take a look at the percentage you calculated in the previous table for each drip rate. Now look at the very first table. For example, if you had .95% for 5 drip rate, you would choose Dishwasher from the first table b/c .95% is the closest to 1.66%.  You would then put “.95%” in the first row, second column and “Dishwasher” in the first row, third column.

Does seeing the potential losses in leaks cause you to check your home for leaking pipes and toilets?  Explain why or why not.