Jere Thomas

margin analysis is a very powerful tool for modelling how individual producers and consumers make decisions. The basic idea is that decision makers make choices based on the comparative costs and benefits associated with small changes in a given state of the world. If the marginal benefits of a small change outweigh the marginal costs of that change, the decision maker makes that small change and then re-analyses for the next potential additional change. Margin analysis is an important component in modelling how producers make decisions to maximize profits and how consumers make decisions to m...

this article explains results of a comparative to test the performance of two top banks in the German banking industry analysis using a financial ratio analysis method. The main determinants considered are solvency and liquidity indicators, which make it possible to observe the risk behaviour of banks before and after the financial crisis. The hypothesis of the study is that the behaviour of German banks depends on bank-specific variables that affect the institution ’s loan policy. The universal banks in Germany can be divided into three main types of institutions: commercial, public sector an...