...[pic][pic][pic] Chapter - I Introductory Part 1.1 Rationale of the report SME financing has been identified as a major bottleneck for Bangladeshi SME’s growth. Unfortunately the issue seems to be as unresolved as it always has been. Though the majority of the issues are with the SMEs themselves, the banks and non-banking financial institutions (NBFI) also have major issues in designing financial products for the SMEs. Banks and NBFIs always play a major role in our country’s economy. The number of branches of private bank and NBFI is increasing day by day. As the number is increasing, the competitive environment is making the firms to be more aggressive, innovative and diversified. As a NBFI, United Leasing Company (ULC) was established in 1989 by reputed foreign and local institutions in collaboration with IDA. The objective was to create an Institution that will cater to the investment needs of our economy. As the competition is rising in the market, so ULC is also going through some changes of processes. They have introduced a department for analyzing clients before financing named Credit Department for all types of financing including small, medium and corporate enterprise financing. This internship report is about the credit approval process for Small Enterprise Financing in ULC. 1.2 Origin of the report Now a day, education is not just limited to books and classrooms. In today’s world, education is the tool to understand the real world and apply...
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...Table of Contents * ------------------------------------------------- 1 Introduction * ------------------------------------------------- 2 History of GSPB * ------------------------------------------------- 3 Business in Bangladesh * ------------------------------------------------- 4 Mission Statement * ------------------------------------------------- 5 GSPB at a Glance * ------------------------------------------------- 6 Strength of GSPB * ------------------------------------------------- 7 Share Holding Structure * ------------------------------------------------- 8 List of Directors: * ------------------------------------------------- 9 BUSINESSES * ------------------------------------------------- * ------------------------------------------------- 9.0.1 Long/Mid-Term Finance * ------------------------------------------------- 9.0.2 Short Term Finance * ------------------------------------------------- 9.0.3 Real Estate Finance * ------------------------------------------------- 9.0.4 Corporate Finance * ------------------------------------------------- 9.0.5 Merchant Banking * ------------------------------------------------- 10 BOARD & MANAGEMENT * ------------------------------------------------- 11 KEY MANAGEMENTKEY * ------------------------------------------------- 12 MARKET ASPECT * ------------------------------------------------- ...
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...Internship Report Subject: Interrelation Between Products, Interest RATES & Terms Of Finance Internship Organization: United Leasing Company Limited 22 , Kazi Nazrul Islam Avenue, Dhaka Prepared for: Internship Supervisor Mr. Imran Rahman Associate Professor IBA, Univ. of Dhaka Prepared by Maruf Haider ZR 33, BBA 10th Institute of Business Administration University of Dhaka. June 25, 2006 June 25, 2006 Mr. G. M. Chowdhury Chairman Internship & Placement Program Institute of Business Administration University of Dhaka Dear Sir: I am glad to submit my Internship Report for the Internship Program (BBA 10th, 2006), herewith. I considered your remarks and instructions very carefully while preparing this report. I tried my level best to follow your schedule, format and discipline. I tried to comprehend all the areas related to this report. This has certainly enhanced my knowledge base with a practical orientation. Thank you for your consideration. Sincerely Yours, Maruf Haider ZR -33 , BBA 10th IBA Univ. of Dahaka Table of Contents Section 1 –Organization report 1.1 Background of ULC 1.2 Corporate Objective 1.3 Capital, Sponsors and Share Structure 1.4 Board of Directors 1.4.1 Executive Committee 1.5 Organizational Structure 1.5.1 Management 2.1 Lease Portfolio and Sector wise Exposure 2.2 Performance of ULC at a Glance 2.3 SWOT Analyses...
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...Choudhury, ID # 1010366060 Toufiqur Rahman, ID # 1030291060 Md. Nazmul Ahsan, ID# 1010236060 April 08, 2011 Dr. H. M. Mosarof Hossain Professor School of Business (MBA Program) North South University. Submission of the BUS635 Group Project Dear Sir, We are pleased to submit the group project paper: “Financial Statement Analysis of United Leasing Company Limited” that you have asked us to prepare in an effort to better understand different Financial Analysis techniques. The topic has enabled us to better comprehend how United Leasing Company performed for last years and what they would do to improve their operations. It has been a pleasant experience working on this report. We submit it for your kind consideration and thank you for your guidance. If further clarification regarding this report is found required, we would be available by any means. Sincerely, Syeda Zabeen Ahmed, ID # 0910683060 ---------------------------- Khadiza Akter, ID # 0930401060 ---------------------------- Sadia Choudhury, ID # 1010366060 ---------------------------- Toufiqur Rahman, ID # 1030291060 ---------------------------- Md. Nazmul Ahsan ID # 1010236060 ---------------------------- Acknowledgment First of all, we would like to express our sincere gratitude to Dr. H. M. Mosarof Hossain, Professor and faculty member, School of Business (MBA Program), North South University, for his all-out assistance and guidance that he provided throughout...
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...112 Artner Annamária GÖRÖG A GÖRÖG VÁLSÁG1 Artner Annamária Görögország az eurózóna legsúlyosabb válságban lévő országa, szinte minden lényeges gazdasági mutatója a legrosszabb a 17 ország közül. (1. táblázat). A válság kirobbanása óta a GDP volumene az Eurostat szerint 17,4 százalékkal esett vissza, és 2013-ban már stagnálás várható (1. ábra). 1. táblázat A görög gazdaság főbb adatai 2007–2013 2007 2008 2009 2010 2011 2012a 2013b Költségvetési egyenleg/GDP % Bruttó államadósság/GDP % Költségvetési egyenleg milliárd euró Bruttó államadósság milliárd euró Beruházás éves változás % Állótőke-beruházás éves változás % GDP volumen milliárd euró GDP volumen éves változás folyóáron Reál ULC index 2005=100 Reál ULC éves változás % Munkanélküliségi ráta % 25 évnél fiatalabbak munkanélküliségi rátája % a -6,5 107,4 -14,5 239,3 10,1 5,4 215,2 3,0 95,5 0,0 8,3 22,9 -9,8 113 -22,9 263,3 -8,0 -6,7 222,4 -0,2 97,6 2,2 7,7 22,1 -15,6 129,4 -36,1 299,7 -26,6 -15,2 225,4 -3,3 101,8 4,3 9,5 25,8 -10,3 145 -23,5 329,5 -13,3 -15,0 223,5 -3,5 98,4 -3,4 12,6 32,9 -9,1 -6,7 -4,6 165,3 163,2 167,3 -19,6 .. .. 355,6 .. .. -14,4 -4,5 5,0 -20,7 -6,6 6,7 211,6 201,6 201,6 -6,9 -4,7 -3,8 93,9 87,0 86,0 -4,5 -7,4 -1,1 17,7 24,4c .. 44,4 55,4c .. becslés, előrejelzés, 2012. június b c Forrás: Eurostat Statistics Online. 1 Kézirat lezárva: 2012. október 10. A tanulmány a 104210K jelű OTKA-projekt keretében folyó kutatás alapján készült. Görög a görög válság ...
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...A Financial Ratio Quarterly Trend Analysis of Marriott International, Inc. Stock symbol: MAR Listed on the New York Stock Exchange By: 1.0 Introduction This report provides a financial quarterly trend analysis for Marriott International, Inc. The U.S.-based company has been in the lodging business since 1957 1 and currently operates in more than 70 countries worldwide 2, making it one of the oldest and largest hotel corporations in the world 3. Marriott International’s stock is publicly traded on the New York Stock Exchange (NYSE) under the symbol “MAR”, which we will use to reference the company throughout this report. Our team chose to analyze MAR for the following reasons: • In our Organizational Behavior class, we completed the “Work Preferences Indicator” and discovered that the field of hospitality management was recommended for everyone on our team. • The hotel industry is booming in Panama (with over 12,000 new rooms currently under construction for delivery by 2013). 4 Marriott has had a strong market presence over the last decade and currently commands one of the highest room rates in Panama City.5 It is also undergoing an aggressive expansion and remodeling of its two properties at this time. 6 • Most of us are frequent business travelers and often stay in Marriott-flagged properties. • One of our team members was a former sales and marketing director for a luxury resort anchored by a Marriott hotel, Los Sueños Resort & Marina in Costa...
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...Tech Analysis Trading Articles Stock Analysis Special Features Investing Basics Stocks Mutual Funds FOREX ETFs Active Trading Bonds Financial Theory Fundamental Analysis Options & Futures Personal Finance Real Estate & Mortgages Retirement FAQs View All Tutorials Special Features Beginners Experienced Investors Active Traders Retirement Exam Prep Quizzes CFA Level I CFA Level II CFA Level III Series 6 Series 7 Series 26 Series 63 Series 65 Series 66 CSC More Exams... FXtrader Home Trade Now Challenges Login Simulator Home My Portfolio Trade Stock Games Resources http://www.investopedia.com/articles/basics/04/050704.asp 05.03.2011 1:09:20 6 Factors That Influence Exchange Rates Login Financial Edge Free Tools Stock Ideas Free Annual Reports Guides and Books Learn About Futures Mortgage Offers Financial Calculators Стр. 2 .omestopediaи е Страница, размещенная в публичном Интернет, запрашивает данные из вашей частной локальной сети. По соображениям безопасности автоматический доступ будет заблокирован, но вы можете его разрешить. Продолжить Всегда продолжать при запросе данных с данного сервера в мою закрытую локальную сеть enter keywords enter symbol Get Quote Предупреждени е Страница, размещенная в публичном Интернет, запрашивает данные из вашей частной локальной сети. По соображениям безопасности автоматический доступ будет заблокирован, но вы можете его разрешить. Продолжить Всегда продолжать при запросе данных с данного сервера в мою закрытую локальную сеть...
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...liability is to deliver significant returns to their depositors. Unlike returns to shareholders, this return is promised. Unless delivered, depositors may take back the return with a vengeance; bankrupting the bank in the process. The banks developed various form of debtor selection processes to protect themselves against depositors grudge, i.e. delinquency of borrowers. CRG (Credit Risk Grading) and CRR (Credit Risk Rating) together makes one of those processes. This report is titled “Predicting Delinquency of EBL’s Corporate Customers.” EBL is one of the leading private commercial banks of Bangladesh. After starting its operation in 1992, the bank established itself as one of the most technologically advanced banks of the country. EBL has been offering diverse portfolio of products to its customer. CRG process is a borrower selection process advised by Bangladesh Bank. Private commercial banks in Bangladesh use CRG to predict the possibility of delinquency in the form of CRR. EBL uses the same process. This report first develops a model to test the CRR against financial data of a firm. Data obtained from 35 borrowers of EBL were used to run a linear regression taking CRR ratings of respective firms as dependent variable. Running the regression, the model shows that CRR of a firm does not reflect the firm’s financial data properly. This in turn shows that the qualitative variables influence CRR more than financial variables. With a second model and taking presence of rescheduling...
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...Compare and contrast the Companies Act 1963 -2009 with the Companies consolidation Bill 2011. Highlight the major differences and identify new initiatives in the Bill. The 1963 Act, by law the Principal Act, remains nominally the main Companies Act in Ireland today, but does not anymore provide a comprehensive statement of the law. Since 1977 it has continually been amended. The 1990 Act contains 262 sections of law and the 2001 Act contains 114 sections, although the Principal Act contains only 399 sections. The need for a consolidating Act is greater than ever as nine amending Acts of the Oireachtas and numerous statutory instruments have substantially changed the Principal Act. According to the Company Law Review Group’s (CLRG) report consolidation of the Companies Acts will be the third major consolidation in recent years of bodies of law impacting substantially on commercial activity. The advantages of consolidating significant bodies of legislation are set out clearly in the introduction to the Government proposals for the Taxes Consolidation Bill 1997. Some of these advantages are that all direct (tax) legislation will be available in a single up-to-date Act, in a coherent, orderly and more simplified format. As part of the process, a significant amount of unnecessary and obsolete material will be eliminated and there will be considerable simplification in content. All future amendments will be capable of being slotted into the Consolidation Act by amendment and...
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...NGO - Pratham By Team Mosaic MARKETING MANAGEMENT Team Members NAVYA CHANDRASHEKHAR | 21 | AKSHATA MOTIWALE | 28 | FAISAL SHAIKH | | VISHALAKSHI | 53 | ANIKET POTDAR | | NIKHIL AGGARWAL | 31 | SIES COLLEGE OF MANAGEMENT STUDIES, NERUL Sr.No | Contents | Pg No | 1 | What is an NGO | | 2 | Pratham – An NGO | | 3 | Marketing Mix – Product | | 4 | Marketing Mix – Place | | 5 | Marketing Mix – Price | | 6 | Marketing Mix – Promotion | | 7 | Segmentation & Targeting | | 8 | MIS | | 9 | SWOT Analysis | | 10 | New Product Devlopment | | 11 | Competitors | | 12 | Performance | | 13 | Bibliography Acknowledgement | | What is an NGO A non-governmental organization (NGO) is a legally constituted organization created by natural or legal persons that operates independently from any form of government. Non-governmental Organization (NGO) is an agency devoted to managing resources and implementing projects with the goal of addressing social problems. NGO are of great importance and value for the modern society and hence comes the need of having a marketing strategy for the NGO. This would help the NGO reach the masses and make the common man aware of the work it does. NGOs are organizations that work in many different fields, but the term is generally associated with those seeking social transformation and improvements in quality of life. Development NGOs is the most...
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...UNDERSTAND CLOGGING IN IF GRADE AND SUGGEST COUNTERMEASURES TO MINIMIZE IT A Project Report Submitted in Fulfilment of the Requirements for Summer Training By ABHIJEET DASH (VT20132141) Metallurgical and Materials Engineering National Institute of Technology, Rourkela Under the Guidance of Mrs Shainu Suresh Sr. Manager, Steel Technology and Casting Flat Product Technology Group, Tata Steel Ltd. Jamshedpur i|Page DECLARATION I hereby declare that the project work entitled “Understand clogging in IF grade and suggest countermeasures to minimize it” is an authentic record of my own work carried out at Tata Steel Ltd., Jamshedpur as requirement of short term industrial/research experience for the award of degree of B.Tech Metallurgy, National Institute of Technology, Rourkela, under the guidance of Mrs Shainu Suresh during 14th May to 9th July, 2013 Place: Jamshedpur Date: 8th July,2013 Abhijeet Dash VT20132141 Certified that the above statement made by the student is correct to the best of my knowledge and belief. Mrs Shainu Suresh Sr.Manager, Steel Technology and Casting Flat Product Technology Group, Tata Steel Ltd. Jamshedpur. ii | P a g e iii | P a g e ACKNOWLEDGEMENT I would like to thank the Management of Tata Steel Ltd. for giving me this wonderful opportunity to work with highly knowledgeable people on a project of great importance. I owe my deepest gratitude to my guide Mrs. Shainu Suresh, Sr.Manager, Steel Making...
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...9 -7 1 1 -0 1 0 REV: MARCH 6, 2012 DIEGO COMIN RICHARD H. K. VIETOR China “Unbalanced” We urgently need to transform the pattern of economic development,” pronounced Premier Wen Jiabao in March 2010. “We will work hard to put economic development on the track of endogenous growth, driven by innovation. — Premier Wen Jiabao, March 20101 Since the early 2000s, the success of China’s export-led growth strategy had been alienating major trade partners—especially Europe and the United States. By 2005, China’s trade surplus had reached $134 billion, of which $114 billion was with the United States alone. Foreign-invested firms accounted for more than half of this amount. 2 In the U.S., organized labor and various pundits and politicians increasingly blamed China for the loss of as many as 3.5 million manufacturing jobs.3 U.S. Senator Chuck Schumer (D-NY) became a leading voice calling for punitive tariffs if China did not allow its currency, the yuan, to appreciate.4 When China did allow the yuan to appreciate beginning in May 2005, the yuan grew by almost 21% over the next three years, from 8.3 to 6.8 yuan per dollar. However, in October 2008, China once again froze the exchange rate. By then, China's trade surplus with the United States had grown to $258 billion, while its overall current account surplus reached $426 billion. Although political complaints about China’s export-led growth model achieved limited traction, the global financial crisis brought the...
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...materials to justify your viewpoint. INTRODUCTION Accounting can be broadly defined as the ‘measurement and communication’ of economic information to the decision makers (Watts and Zimmerman 1986). Accounting is divided into internal and external accounting on the basis of the users of the information (Spohr 2005). Spohr (2005) further highlights that the responsibility for preparing the external accounting information and publishing it lies with the managers of the firm. These managers rely on their inside knowledge of the firm’s current state to provide an accurate and fair picture of the financial state of the firm. The existence of accounting regulations and guidelines aims to improve the relevance and accuracy of the financial reports. However, this insider knowledge gained by managers can lead to information asymmetry. This occurs when some parties have an “information advantage” over others (Scott 2003). Information asymmetry allows managers to prepare and publish their financial statements in a manner which is most advantageous to them. Although this opportunism is restricted by the accounting standards and auditors which are independent to the firm, recent accounting scandals have led to the general belief that...
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...Chapter-5 Banking Sector Performance, Regulation and Bank Supervision 5.1 Industry statistics of the banking sector and the performance trends have been discussed in this chapter. The banking sector in Bangladesh comprises of four categories of scheduled banks. These are, nationalized commercial banks (NCBs), government owned development finance institutions (DFIs), private commercial banks (PCBs) and foreign commercial banks (FCBs). As of December 2004, total number of banks operating in Bangladesh remained unchanged at 49. These banks have a total number of 6,303 branches including 10 overseas branches. Structure of the banking sector with breakdown by type of banks is shown in Table 5.1. 5.3 Total deposits of the banks in 2004 rose to Taka 1,326.1 billion from Taka 1,140.3 billion in 2003 showing an overall increase by 16.3 percent. The NCBs' (comprising of 4 largest banks) share in deposits decreased from 46.0 percent in 2003 to 42.8 percent in 2004. On the other hand, PCBs' deposits in 2004 amounted to Taka 588.0 billion or 44.3 percent of the total industry deposit against Taka 468.2 billion or 41.1 percent in 2003. FCBs' deposits in 2004 rose by Taka 11.00 billion or 13.0 percent over the previous year. The DFIs' deposits in 2004 were Taka 75.1 billion against Taka 62.6 billion in 2003 showing an increase of 20.0 percent over the year. 5.2 In 2004, the nationalized commercial banks (NCBs) held 39.6 percent of the total industry assets...
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...Security Analysis: WMT Group 2 Report Date | S & P Value | Last Price | Intrinsic Value | Economic Moat | Recommendation | 11/29/2010 | 1,187.76 | $53.85 | 60.93 | Wide | Hold | I. The Theme Wal-Mart was built to save people money so they can live better. Hints to their slogan: “Save Money. Live Better.” Their mission has allowed the company to grow around the world. The culture and the values of their employees help strive for success of Wal-Mart while serving over 200 million customers and members each week(Wal-Mart Annual). We strongly believe that Wal-Mart is the best- positioned global retailer and that they will continue to progress. Cost leadership is the corner stone of how Wal-Mart goes to market. Doing our analysis of Wal-Mart Stores, Inc., we gathered our information and different figures from the Hoover’s online through the Willis library’s website, Reuters.com, and Morningstar.com databases which gave us insight to several financial aspects of the firm, including its stock, cash flows, risk, dividends, sales, earnings, debt, and overall performance. II. Business Analysis Profile of the company “If we work together, we’ll lower the cost of living for everyone…we’ll give the world an opportunity to see what it’s like to save and have a better life.” Wal-Mart founder, Sam Walton, summarized his vision back in 1962 for a new type of discount store that consumers would appreciate. As an owner of a much smaller discount store Walton...
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