The LimitlessX - Get Tech Science News around the Globe

Interest Spread and NIM (Net Interest margin) are often considered as the same but both terms are different. We know that a bank or a financial institution earns interest on their lending while they need to pay interest on their borrowing. NIM is the ratio of the interest difference (Interest Received-Interest Paid) to Average Interest Earning Assets. NIM= (Interest Earned-Interest Paid)*100/Average Interest Earning Assets Interest Spread=Interest Income as Percentage of Total Lending-Interest Expense as Percentage of Total Borrowing Illustration: ABC bank has a total of borrowing of Rs. 5,000 million and its total lending is Rs. 4,000 million while its Interest Earnings and Interest Expenditures are Rs. 400 million and 200 million respectively. Then, NIM will be: (400-200)*100/4,000 or 5 %. Interest Spread will be: (400*100/4,000)-(200*100/5,000) or  6 %.

Start a Online  Healthcare Consulting Service             Health care  -   The preservation of mental and physical health by preventing or treating illness through services offered by the health profession. The combination of aging baby boomers and the upcoming changes of the Affordable Care Act  means that the healthcare industry will rapidly continue to expand. As an independent healthcare consultant, you can offer management and data analysis for organizations like hospitals, labs and therapist offices to help implement solutions to improve efficiency and/or save money. This is a great opportunity to put that marketing or economics degree to use. Business Overview Here's an online business venture that has the potential to be expanded from coast to coast. An online medical center is a collection of health-care providers from one community grouped together into one website. Instead of each business or professional having to pay thousands of dollars to develop and maintain individ

We have already seen the  historical returns  of the S&P BSE Sensex , which has given an average return of about 20%  per year, despite volatility and price fluctuations of about -20% to +60%. The following table shows S&P BSE Sensex historical data - start  & close values and the yearly returns of the sensex from 2000 to 2013. As far as the other major  indices are concerned, CnxIT gained about 58%, whereas the BankNifty lost about 9% and the Cnx Midcap index lost about 5%.  Despite the sensex gaining 9% for the year there were many stocks which have lost 95% and some stocks gaining about 10-200%, most of them from the Information and Technology sector. During the year the index hit an all-time high of  24483 and despite markets hitting all time highs only a few stocks made all-time highs or the highs which were made in 2008 bull run,  while most of them are still languishing well below their historical highs. The message for retail investors is clear - index investing is