...AB Bank Limited BCIC Bhaban 30-31 Dilkusha Commercial Area Dhaka 1000 AB Bank Limited _____________________ Auditors’ report and consolidated financial statements for the year ended 31 December 2011 S. F. AHMED & CO Chartered Accountants House 25, Road 13A, Block D, Banani, Dhaka 1213, Bangladesh Telephones (880-2): PABX 989-4346 & 989-4258 Others 881-6467 & 881-5101 Fax (880-2): 882-5135 E-mails: (i) sfaco@citechco.net (ii) sfaco@sfahmedco.org Website: www.sfahmedco.org Auditors’ Report to the Shareholders of AB Bank Limited We have audited the accompanying consolidated financial statements of AB Bank Limited (“the Bank”) and its subsidiaries, namely, AB Investment Limited, AB Securities Limited, Cashlink Bangladesh Limited, AB International Finance Limited and AB Exchange (UK) Limited which comprise Consolidated Balance Sheet at 31 December 2011 and Consolidated Profit and Loss Statement, Consolidated Cash Flow Statement, Consolidated Statement of Changes in Equity and Liquidity Statement for the year then ended, and a summary of significant accounting policies and other explanatory information. Management is responsible for the preparation and fair presentation of these financial statements in accordance with Bangladesh Financial Reporting Standards, and for such internal control as management considers necessary to enable the preparation of consolidated financial statements that are free from material misstatement, whether due to fraud and error...
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...Marks Advanced Strategic Value Propositions™ is a trade mark of ASVP Consulting Pty Ltd. PulseSuite®, PulseManager®, PulseFinder® and Primed Online® are registered trade marks of Primed Online Pty Ltd. PulseProject™ is a trade mark of Primed Online Pty Ltd. Becton Dickinson, BD, and Helping All People Lead Healthy Lives are trademarks of Becton Dickinson Pty Ltd. Acknowledgements The kind assistance of Michael Lyon, CEO and the management team of BD Australia, and Grant Alecock, General Manager, and the management team of BD NZ is gratefully acknowledged. ASVP Consulting Pty Ltd ASVP Consulting Pty Ltd has written this independent case study on the implementation of a Balanced Scorecard Framework Solution in order to quantify the benefits accruing to BD and to highlight the potential benefits available to other organisations considering the implementation of an Automated Balanced Scorecard Framework or a Strategic Management and Monitoring System. This case study has been written completely independently of the system manufacturer, Primed Online Pty Ltd., and is based solely upon observations and information gathered during the Workshop process and in discussions with BD Management, from information available in the public domain, or...
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...[pic] TERM PAPER ON INVESTMENT THEORY Submitted To Rafiqul Matin Course Instructor Investment Theory East West University Submitted By A. K. M. Mamunur Rashid ID # 2011-2-90-005 Md.Reza-E- Mostafa ID # 2011-3-90-010 Md. Rakibul Islam ID # 2011-1-90-011 Sabiqun Nahar ID # 2011-1-90-005 Date of Submission: 11th December, 2012 LETTER OF TRANSMITTAL December 11, 2012 Md. Rafiqul Matin Course Instructor Investment Theory East West University Dear sir, The term paper writing in the assigned topic by you is a part if the course, Investment Theory to judge our understanding. In response to that our group prepared this report. As you will see this report tries to find out the term paper on the of the analysis of Investment Theory & Market Investment you asked us to conduct. Our study reveals some specific trends of how DSE basically operates it’s functions. Based on annual report and website of DSE, we have tried to find out the security trade functionality of 10 individual stocks regarding different category & sectors. According to it’s process, It will help you to understand the prevailing perception of how the securities are traded considering all factors & what steps DSE usually takes to maintain the whole trade functions. Thanks for giving us the opportunity to work on this report. It’s been a real education for us. If you have any question to ask us, please...
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...Industry – hospitals, medical laboratories, non hospital health care centers * General public * VACUTAINER * MICROTAINER: Infants, children and geriatric patients, smaller volumes of blood | Product * Blood collection products: * Medical * Diagnostic * Industrial safety * VACUTAINER * MICROTAINER | Climate * 1983 – process of how US govt reimbursed Medicare patients affected healthcare industry * Hospitals are more conscious of inventory carrying costs * | Price * Evacuated tubes Avg unit price 6 cents – 8 cents * Needles – 6.5 cents | Company * Becton Dickison Vacutainer Systems * Supplier of blood collection products * NEW Z contract – * BD negotiated price and QTY with large accounts, but supplied its products with one or more distributors * Three business segments: (each was a profit centre) * Laboratory * Industrial safety * Medical products (3 divisions) * Needles, syringes and diabetic products * Pharmaceutical systems * Vacutainer blood collection systems | Place * Affiliated Purchasing Group (negotiated price w/ BD) * BD product distributors (negotiated price w/ BD) * Medical Products group pooled salesforce * 474...
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...Fiscal Policy for Stabilization and Growth Sessions 11 & 12 Reading: Chapter 5 What is Demand Management? • Demand-constrained economy: – Increase aggregate demand to tackle recession/depression • Supply-constrained economy: – Manage demand to control demand-pull inflation 2 Policy focus: Demand-constrained Economy Aggregate demand K Potential output 3 Policy focus: Supply-constrained Economy Aggregate demand K Potential output Also: Long term – increase K to expand potential output 4 Recession/Depression • Recession: – Rule of thumb: two consecutive quarters of falling GDP • Depression: – “Severe” recession – no widely accepted definition: • Decline in real GDP that exceeds 10%, or one that lasts more than three years • Other alternative indicators: bursting of asset, credit bubble, fall in general price level 5 Examples of Depression (Using 10% GDP fall rule) 6 Economic Policy • Two main policy instruments to influence aggregate demand (C + I + G + X - M): – Fiscal Policy: • Through Government expenditure and revenue – Monetary policy: • Through Money supply and interest rates 7 Basic Logic of Demand Management (to ↑ demand) • Fiscal Policy: –↑G – ↓ income taxes to ↑ C – (Also: • ↑ tariff duties to reduce M • Provide incentives to ↑ X) • Monetary Policy: – ↓ rate of interest to ↑ C; ↑ I 8 Fiscal Policy and Demand Management in India 9 (see: http://indiabudget.nic.in) • • •...
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...University of Asia Pacific ------------------------------------------------- Department of Law and Human Rights Lesson Plan Course Code & Title: | Law 115 : Constitutional Laws of Bangladesh | Semester: | 1st Year 2nd Semester | Teacher: | Azizun Nahar | Office/Room: | Bikolpo Tower (5th floor), House No. , Road no 5/A, Dhanmondi, Dhaka. | Consultation/Contact Time: | Day 1(Sun day) 12.00 A. M to 01.55 P.M. 3.00 P.M. to 4.55 P.M.Day 2( Mon day) A.M. to 12.55 P.M. 2.00 P.M. to 4.55 P.M.Day 3( Tues day) A.M to 10.55 A.M. 3.00 P.M. to 4.55 P.M. Day 4( Wednesday) 11.00 A.M. to 11.55 A.M. 3.00 P.M. to 4.55 P.M.Day 5(Thurs day) 09.00 A.M. to 11.55 A.M. | Email: | a.moonmoon@yahoo.com | Mobile: | 01712-356955 | Course Overview: | The Course on Constitutional Laws of Bangladesh incorporates, within its sovereign domain, the fundamental aspects of constitution, constitutionalism as well as the composition and functioning of various components of Bangladesh as a state. | Course Outline: | Constitutional Laws of Bangladesh emphasizes on basics of constitutional jurisprudence, constitution, role and functioning of state machineries of Bangladesh namely Parliament, Executive & Judiciary. | Course objectives: | The course on Constitutional Laws of Bangladesh intends to help the students understand the premises and periphery of Constitutional Jurisprudence as well as the compostion, functioning of the basic organs of Bangladesh and their role in ensuring...
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...CHALLENGE OF CLIMATE CHANGE AND BD PERSPECTIVE INTRODUCTION 1. Climate change is a change in the statistical distribution of weather over periods of time that range from decades to millions of years. A change of climate which is attributed/influenced directly or indirectly to human activity that alters the composition of the global atmosphere and which is in addition to natural climate changeability observed over comparable time periods. In the latter sense it may be qualified as anthropogenic change of climate, more generally known as "global warming" or "Anthropogenic Global Warming" (AGW). 2. Presently this rapid climate change has become the major catastrophe and the greatest threat of the 21st century. No nation, however large or small, wealthy or poor, can escape the impact of climate change. Appreciating the consequences, many a times heads of frontier states, Heads of Governments, Ministers, and other heads of delegations sited together and formed various international agreements to bring down the carbon emission to a level to keep the planet liveable. But the summit concluded without expected consensus/agreement. 3. In pursuant to the present context of climate change, this paper will endeavour to highlight the various causes of world climate change, effects of it and summary of recent Copenhagen accord, analysis, criticism and cause of failure of the accord and the remedial measures to combat climate change in the suffering countries. AIM 4. The aim of this paper...
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...Introduction: Performance measurement of a company has been the subject matter of discussion to the planners, administrators, managers, economists and academicians since long. There is a need for comprehensive consideration company so that their performance can be objectively evaluated. The major indicators may be – I. Liquidity Ratio II. Profitability Ratio III. Solvency Ratio IV. Efficiency / Activity Ratio V. Common-size Statements VI. Trend Analysis VII. Multivariate Model of Distress Prediction. Scope of the Study: Eastern Cables Ltd. is the holding Cables organization carrying operation in Bangladesh. This Study is limited to only Eastern Cables Ltd. This Study could not cover other private business operating in Bangladesh mainly because of difference in objectives and management structure. The empirical analysis of the Study covered 5 years ranging from 2000 to 2005 Methodology of the Study: The key areas of performance evaluation can be identified as financial performance, managerial performance, operational performance, marketing performance or the overall performance. A proper evaluation of the financial performance of any company can be done through the techniques of financial analysis of the accounting data presented in the financial statements which includes mainly – I. Balance Sheet II. Profit & Loss AIC and ...
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...explore a greater number of alternatives than before. E-commerce through the use of internet, e-mails, websites and other facilities enables a businessman to be linked with every corner of the world and thus opens up greater opportunities in the world market. As a signatory of WTO practices Bangladesh has accepted The Code of Good Practices of WTO agreement on Technical Barriers to Trade. E-commerce facilitates the very process of International transactions; this involves securing and finalizing a contract, delivery of a product and finally payment for the performance of the product. The movement of goods and services and payment mechanism within a country and outside of a country is governed by regulatory and legal issues. Though Bangladesh Govt. has a strategic vision and policy framework to boost up e-commerce, a lot of factors are also hindering the way of doing E-commerce. Definition of E-Commerce: E-Commerce refers to the process of buying or selling products or service over an electronic network. The most popular medium in which e-commerce is conducted is the internet. It combines a range of process such as: • Electronic Data Interchange (EDI). • Electronic mail (E-mail). • World Wide Web (WWW). • Internet Applications. • Network Applications. Basically e-commerce involves the sale or purchase of goods or services over computer mediated networks. These goods or services may be ordered though these networks, but payment for them and the ultimate...
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...practical side of learnings. PROFESSIONAL EXPERIENCE 2011 – Present Consultant for Training, developing and delivery of Modules for Soft skills and Job Orientation. (Promote Careers, Gurgaon), www.vtrain4jobs.com 2010 – 2011 Head Department of Training and Placement, G B Pant Engg. College, (Govt of Delhi) at Okhla Ph 3, N Delhi 110020 • The College was established in 2007 and 2011 is the Flagship batch. Took reigns of the deptt. in Aug 2010 and built it from scratch - the Placement Brochure, understanding Students capability and Quick action plan to orient them for Industry employability. • Enabled and empowered the Students & Established Brand image. • Secured Historic placement Track at National Level – for flagship batch of equitable institutions 150+% Placements, 3.6L/A avg CTC.. 2008 – 2010 Head Operations, for Overall backend Operations. Innovative Solutions. A strategy & Biz consulting, Manpower sourcing for BFSI, Investment Advisory for BPO/KPO 1999 – 2008 Management Consultant, Executive Director & Mentor A Hi-end MCAD start-up Co., for Planning & Dev./ HR/ BD/ Projects & QC/ Logistics/ Accounts/Admin/Overall Operations. • Walked the talk for 10 times revenue growth, Established Value for Money Training System, Emphasis on Export...
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...Today, our brands are present in almost every household in the country. UBL is the market leader in 7 of the 8 categories it operates in, with 20 brands spanning across Home Care, Personal Care and Foods. Its operations provide employment to over 10,000 people directly and indirectly through its dedicated suppliers, distributors and service providers. 99.8% of UBL employees are locals with a large number of local UBL employees now working abroad in other Unilever companies as expatriates. * Type of Business: First moving customer goods with local manufacturing facilities, reposting to regional business groups for innovation & business result. * Operation: Home and personal care, foods etc. * Constitution: Unilever 60.75% of govt. Bd. 39.25% share. *...
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...[pic] A REPORT ON BUSINESS COMMUNICATION PROCESS OF BASIC BANK LIMITED MGT 242: Business Communication Prepared for Afrins Farid Faculty, School of Business Prepared by Syed Wahidur Rahman 10310423 Sabiqun Nahar 10310432 Nasrin Akter 08410021 Parvez Ahmed 10310371 MD. Mahtab Hossain 10310388 Kazi Arif Hossen 10310439 University of Information Technology & Sciences (UITS) April 09th, 2011 Acknowledgement: I would like to give thanks to those people who helped us to prepare this report and we are very much grateful to them for their cordial assistance, helpful co-operation and essential suggestion. At first we would like to express deep gratitude to our honorable course instructor Afrins Farid , Faculty, School of Business, University of Information Technology & Sciences (UITS), for her sincere guideline and valuable remarks, thoughtful comments and essential suggestions. She inspired us and gave us encouragement to complete this report. We would also like to express our gratitude to the all managers and employees of the organization, where we have gone to collect information for preparing...
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...problem solver and able to adapt any corporate environment. Capable of working independently and also as a team member. Able to handle multiple priorities, meeting tight deadlines without compromising the quality and will exceed expectations. EDUCATION Masters in Business Administration (MBA) Institution: Jahangirnagar University, Savar Result: Inprogress. Bachelor of Business Administration (BBA) Institution: Asian University of Bangladesh Major: Marketing Result: CGPA 3.34 (Out of 4) Higher Secondary Certificate (H.S.C) Institution: Adamjee Cantonment College Board: Dhaka Group: Science Result: 2 nd Division Secondary School Certificate (S.S.C) Institution: Panchbibi L.B.Pilot Govt. High School Board: Rajshahi Group: Science Result: 1 s t Division (Star mark) PROFESSIONAL EXPERIENCE United AIRWAYS (BD) Ltd. - Dec 2009- Sep 2010 Junior Executive Catering • Passenger acceptance • Organizing the catering for the flight of Dash-8, MD-83 • Dispatching and Receiving of flight at the ramp • Record keeping of the stock and inventory 2012 2009 2002 2000 GMG Airlines Ltd - Oct 2010 till to date Junior Executive Catering Maintaining the corporate standards Record keeping Preparing the catering for the flight of Dash-8, MD-82 and Boeing 767. Documentation of flight departure and arrival Communication with Radio Transmitter Giving the meal order to the supplier Looking after the VIP meal Taking care of any special meal Menu selections Preparing the shift...
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...Notification (Transmission) Network Delivery Status: Priority/Delivery : Message Input Reference : of Original Network Ack Normal 1516 120624IBBLBDDHA1324376839466 Message Header Swift Input: Sender : FIN 700 Issue of a Documentary Credit IBBLBDDH132 ISLAMI BANK BANGLADESH LTD (CHAPAINAWABGANJ BRANCH) CHAPAINAWABGANJ BD Receiver : ICICINBBCTS ICICI BANK LIMITED (GLOBAL TRADE SERVICES UNIT-MUMBAI) MUMBAI IN 201206240000323 Message Text F27: Sequence of Total 1 1 F40A: Form of Documentary Credit IRREVOCABLE F20: Documentary Credit Number 090012010541 F31C: Date of Issue 120624 F40E: Applicable Rules UCP LATEST VERSION F31D: Date and Place of Expiry 120920 INDIA F50: Applicant M/S.RAZU ENTERPRISE BALIADIGHI,SONAMOSJID,SHIBGANJ CHAPAINAWABGANJ,BANGLADESH. F59: Beneficiary - Name & Address H.K.A. CHOWDHURY AND COMPANY THANA ROAD,KALIACHAK, MALDA-732101, WEST BENGAL, INDIA sent to SWIFT (ACK) MUR : Page 1 of 4 F32B: Currency Code, Amount USD [ US DOLLAR ] 15600,00 #15600,00# F41D: Available With...By... - Name&Addr ANY BANK IN INDIA BY NEGOTIATION F42C: Drafts at... SIGHT F42A: Drawee - FI BIC IBBLBDDH132 ISLAMI BANK BANGLADESH LTD (CHAPAINAWABGANJ BRANCH) CHAPAINAWABGANJ BD F43P: Partial Shipments ALLOWED F43T: Transshipment ALLOWED F44E: Port of Loading/Airport of Dep. ANY PLACE OF INDIA F44F: Port of Dischrge/Airport of Dest SONAMASJID ,BANGLADESH. F44C: Latest Date of Shipment 120830 F45A: Descriptn of Goods &/or Services PAKUR STONE CHIPES QUANTITY: 1200 MT, UNIT PRICE: USD13...
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...rating and securitization rating. Other services: 1. Grading Services 2. Advisory & Consulting Services 3. Information Service National Credit Ratings Ltd National Credit Ratings Limited (NCR) is a credit rating agency in Bangladesh. It was incorporated as a public limited company under the Registrar of Joint Stock Companies in August 2010 and received its certificate for commencement of business in July 2010. It was granted a licence by the Securities & Exchange Commission (SEC) of Bangladesh for operating as a credit rating company in September 2010. The formal launching of the company was held on 18 October 2010. Managing director & CEO: MD. Momin Ullah Patwary, BP, is a former secretary to the Govt. of Bangladesh. Services: The services provide by the agency are followings: Entity Rating, Instrument Rating, Insurance Company rating, Asset Manager Rating, Sectoral Grading and Ranking. Methodology A true and fair opinion is our responsibility. NCR gives opinion as to the ability of an entity to meet its financial obligations. The rating process primarily concentrates on business and financial risks. The focus is to assess cash generation capability and its adequacy to meet debt obligations on a timely basis. The analysis attempts to determine the long-term fundamentals and likelihood of change in these, which could affect the credit worthiness of the entity. The analytical framework of our rating methodology is divided into two...
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