It’s a Korean expression when you feel pity or you are surprised. Like “oh no/oh my god”.

So, It is depends on your personality…) “Hyung” means “Elder Brother” and this term is used exclusively by a male sibling. “Oppa” means “Elder Brother” and is used exclusively by a female sibling.

오빠 can be flirty but it can also just be a casual way of talking between a male and female friend. 오빠 can be flirty but it can also just be a casual way of talking between a male and female friend. 오빠 is also used for girls/women addressing their (biological) older brother, so it depends on the situation.

Namjachingu

님

The case of calling someone Oppa: If you’re a guy, and you have a close Korean friend, and it’s a younger girl than you, she will probably eventually start to call you ‘oppa. ‘ Among all of these titles, ‘oppa’ is perhaps the most important of these, as it sometimes implies some sexual meanings as well.

Net interest margin

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Net Interest Margins (NIM): Net Interest Margins (NIM) means dividing Net Interest Income with the Average income earned from interest producing assets such as loans and advances have given out to borrowers. NIM= NII/ Average Interest Earning Assets.

The average net interest margin (NIM) for American banks was 3.3% in 2018. That figure shows a slight rebound from a 30-year low of 2.98% in 2015. But the long-term trend has been more or less downward since 1996 when the average figure was 4.3%.

Net Interest Margin (NIM) is a profitability ratio that measures how well a company is making investment decisions by comparing the income, expenses, and debt of these investments. In other words, this ratio calculates how much money an investment firm or bank is making on its investing operations.

Calculating Interest Revenue Interest revenue is calculated through the application of the effective interest rate to the gross carrying amount of the financial assets. There are only two exceptions in this calculation: Financial assets that were credit-impaired at purchase. Financial assets that are credit-impaired.

Average total assets is defined as the average amount of assets recorded on a company’s balance sheet at the end of the current year and preceding year. By doing so, the calculation avoids any unusual dip or spike in the total amount of assets that may occur if only the year-end asset figures were used.

ROAs over 5% are generally considered good and over 20% excellent. However, ROAs should always be compared amongst firms in the same sector. A software maker, for instance, will have far fewer assets on the balance sheet than a car maker.

Share. Quick assets include cash on hand or current assets like accounts receivable that can be converted to cash with minimal or no discounting. Companies tend to use quick assets to cover short-term liabilities as they come up, so rapid conversion into cash (high liquidity) is critical.

How to Calculate Quick Assets and the Quick Ratio

1. Quick Assets = Current Assets – Inventories.
2. Quick Ratio = (Cash & Cash Equivalents + Investments (Short-term) + Accounts Receivable) / Existing Liabilities.
3. Quick Ratio = (Current Assets – Inventory) / Current Liabilities.

Loose tools are not quick assets. Even then, they are deducted from the current assets while calculating the Current Ratio, because they cannot be converted into cash very easily.

The basic accounting equation states that assets = liabilities + stockholders’ equity. In the accounting industry, assets are defined as anything that a business owns, has value, and can be converted to cash. Assets are broken down into two main categories. These two categories are current assets and noncurrent assets.