...Internship Report On Loan Processing, Credit Appraisal, Follow-Up &Recovery Procedure of IFIC Bank Limited Internship Report On Loan Processing, Credit Appraisal, Follow–up & Recovery Procedure Of IFIC Bank Limited Prepared For: Mohammad Tanvi Newaz Assistant Professor, BRAC Business School BRAC University Prepared By Nafisa Marzan ID: 10304087 BRAC Business School Major in HRM & Finance BBA (Summer 2014) Date of Submission: 10September, 2014 Letter of Transmittal Date: 18th September, 2014 Mohammad Tanvi Newaz Assistant Professor, and Coordinator, MBA Program BRAC Business School BRAC University Subject: Submission of Internship Report on “Loan Processing, Credit Appraisal, Follow – up& Recovery Procedure of IFIC Bank Limited”. Dear Sir, With due respect and humble submission, I like to state that I have completed my Internship report on “Loan Processing, Credit Appraisal & follow-up Recovery Procedure of IFIC Bank Limited”. The internship program has given me the opportunity to learn about different aspects of this well reputed organization. Before facing the corporate world, I have gathered general idea about the organization culture and activities. Without sincere cooperation and proper guidance of you it was not possible for me to prepare this report. For this act of kindness, I am grateful to you. I have tried my best to make this report as informative, practical, reliable and relevant as Possible. In preparation of this...
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...were the controls? Enron’s public troubles began on October 16th of 2001 when management released a third quarter earnings report with a “mysterious $1.2 billion dollar reduction.” The following month the company restated earnings for the previous five years and erased $600 million in profits. It turned out that the October report began to reveal Enron’s gross abuse of special-purpose entities (SPEs) and the mark-to-market accounting method. The company used SPEs to keep enormous amounts of losses off its books while inflating earnings from supply contracts by booking all profits from a contract in the quarter the deal was made. What also became clear was that Enron did not accomplish their gross manipulations without the help from their accountant’s at Arthur Andersen. Enron shareholders and executives were not the only groups negatively affected by Enron’s aggressive accounting practices. Arthur Andersen was also unraveled because of the role it played in Enron’s materially misstated financial statements. In a letter to Kenneth Lay (, Enron’s CEO before and after Jeffrey Skilling’s short term) shortly after Jeffrey Skilling resigned, Sherron Watkins, a VP at Enron, expressed her concern with the state of the company and expressed stated concerns about Enron’s accounting practices even though they were “blessed” by Arthur Andersen. Because of these “blessings” Arthur Andersen (AA) personnel was deemed to be...
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...Chapter 12 - Macroeconomic and Industry Analysis CHAPTER TWELVE MACROECONOMIC AND INDUSTRY ANALYSIS CHAPTER OVERVIEW This is the one of three chapters that covers fundamental security valuation. This chapter introduces a topdown approach to fundamental security analysis. It covers the first two components: macroeconomic and industry analysis. The textbook begins with a global analysis, particularly with respect to how the performance of domestic firms is influenced by international economic performance. The chapter’s main focus however is on aspects of the U. S. economy that affect security returns, including fiscal and monetary policy. In addition, a brief presentation of the determinants of interest rates is covered. The chapter concludes with a discussion of industry analysis that includes classifications of industries, information sources, the industrial life cycle and a Porter framework that can be used to analyze industry competition. LEARNING OBJECTIVES Upon reading this chapter, you should have a basic understanding of some of the macroeconomic factors that affect security prices. That is, how fiscal and monetary policy affect interest rates and security prices. And some industry groups are more affected by macroeconomic factors than others and the characteristics of an industry that affect its competitiveness. CHAPTER OUTLINE The top-down approach to fundamental analysis begins with analyzing the economy. Expected economic performance will influence...
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...Introduction Chapter 2 Overview Of Jamuna Bank Limited Chapter 3 Moulovi Bazar Branch Chapter 4 Positioning of The JBL In The Market Chapter 5 Analysis & Discussion Chapter 6 Financial Performance Of JBL Chapter 7 Conclusion & Recommendation “Examination of Performance and Customer’s Perception of Bank’s Services: A Study on Jamuna Bank Limited Moulovi Bazar Branch” Shahariar Hasan Report Submitted To The School of Business & Economics United International University In Fulfillment of Requirement for the Degree of Bachelor of Business Administration “Examination of Performance and Customer’s Perception of Bank’s Services: A Study on Jamuna Bank Limited Moulovi Bazar Branch” By Shahariar Hasan ID: 111-091-236 BBA Program Major In Marketing School of Business & Economics United International University Supervised By Kawsar Ahmmed, Phd Assistant Professor in Marketing School of Business & Economics United International University Submission Date: June, 2014 LETTER OF TRANSMITTAL Date: June 07, 2014 Kawsar Ahmmed, Phd Assistant Professor School of Business & Economics United International University Subject: Submission of the final report on “Examination of Performance and Customer’s Perception of Bank’s Services: A Study on Jamuna Bank Limited Moulovi Bazar Branch”. Dear Sir, In the following pages, I have presented Internship Report, which you had authorized me to prepare...
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...820 INTERNATIONAL BUSINESS PLAN The product: Dehydrated Dog Food The company: Amore Pet Food The target country: Japan Professor: Colin Raghunanan Students: Awa Oyetayo Galina Kokhan Ankit Chaubey Student numbers: 056-610-124 049-092-133 052-692-134 Due Date: 11th, April TABLE OF CONTENT: 1. Executive Summary………………………………………………………………………3 2. Corporate Profile 3.1 Background information on the Company………………………………………..6 3.2 Vision. Mission……………………………………………………………………6 3.3 Competitive Advantage…………………………………………………………..6 3.4 Objectives…………………………………………………………………………7 3.5 Copyrights and Trademark………………………………………………………..9 3.6 Business Structure…………………………………………………………………9 3.7 The strengths of the company…………………………………………………...10 3.8 Insurance………………………………………………………………………...11 3. Management and Human Resources 4.9 Key Positions at Amore Pet Food Company…………………………………….13 4.10 Requirement for Addition Qualifications………………………………………..14 4.11 Future Needs for adding employees………………………………………..……15 4.12 External Sources……………………………………………………………..…..16 4. Market Entry Strategy 4.1 Microenvironment Analysis……………………………………………………..17 4.2 SWOT Analysis……………………………………………………………………..19 4.3 Marketing Strategy………………………………………………………………….20 4.4 Marketing Financial Analysis……………………………………………………….23 5. Financial Overview 5.1 Profit...
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...Item 1 =========================================================== Managers within a strategic business unit or small organizations can make use of a variety of strategic techniques ideas and tools as part of the business planning process .Critically review the value of the main tools that exist to determine the most appropriate bases of competitive advantage including Porter’s thinking on generic strategies. ===========================================================Word count: 1579 =========================================================== 1. Porter’s Generic Competitive Strategies The Porter’s Generic Competitive Strategy defines whether a company follows competitive advantages through its share market scope. (Porter, Michael E., 1985) Competitive Advantage Competitive Advantage Differentiation Differentiation Low Cost Low Cost Broad Target Broad Target Competitive Scope Competitive Scope Narrow Target Narrow Target There are three generic strategies, either lower cost, differentiated, or focus. The focus strategy has two variants, cost focus and differentiation focus. A firm selects to pursue one of two types of competitive advantages. 1. Cost Leadership: Through lower costs than its competition or become a low cost producer in its industry. 2. Differentiation: By differentiating itself along some dimensions that are widely valued by customers to command a higher price...
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...Microsoft Corporation Future Business and Economic Prospects Analysis by Team 4 Group Members: Lewis Bullock Daniel Fuller Erica Jaume Tim Trenkle Rebekah Vandegrift Date of Submission: April 21, 2013 Table of Contents 1. Executive Summary 5 2. Company Introduction 6 3. Financial Analysis 7 3.1. Statement of Cash Flow Analysis 7 3.2. Liquidity Ratios 12 3.3. Asset Management Ratios 13 3.4. Debt Management Ratio 14 3.5. Profitability Ratios 15 3.6. Market Value Ratios 17 3.7. Du Pont Equation 18 3.8. Microsoft to Industry Analysis 18 4. Weighted Average Cost of Capital (WACC) 19 5. Future Cash Flows 22 Net Income before Extraordinaries 25 Net Income Growth 25 Depreciation, Depletion & Amortization 25 Depreciation and Depletion 25 Deferred Taxes & Investment Tax Credit 25 Deferred Taxes 25 Other Funds 25 Funds from Operations 25 Extraordinaries 25 Changes in Working Capital 25 Receivables 25 Accounts Payable 25 Other Assets/Liabilities 25 Net Operating Cash Flow 26 Net Operating Cash Flow Growth 26 Net Operating Cash Flow / Sales 26 2010 – 2012 Investing Activities 26 Capital Expenditures 26 Capital Expenditures (Fixed Assets) 26 Capital Expenditures (Other Assets) 26 Capital Expenditures Growth 26 Capital Expenditures / Sales 26 Net Assets from Acquisitions 26 Sale of Fixed Assets & Businesses 26 Purchase/Sale of Investments 26 Purchase of Investments 26 Sale/Maturity...
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...INT401I/202/0/2013 Tutorial Letter 202/0/2013 Information and Technology Management IV INT401I Year module School of Computing This tutorial letter contains the model answers to assignment 1 & 2, and the Oct/Nov 2013 examination and Jan/Feb 2014 supplementary examination preparation notes. Bar code CONTENTS 1 TUTORIAL MATTER THAT YOU SHOULD HAVE RECEIVED TO DATE .................................. 3 Plagiarism ................................................................................................................................... 3 2 THE MODEL ANSWERS TO ASSIGNMENT 1 ........................................................................... 3 3 THE MODEL ANSWERS TO ASSIGNMENT 2 ........................................................................... 6 4 THE OCT/NOV 2013 EXAMINATION AND JAN/FEB 2014 SUPPLEMENTARY EXAMINATION PREPARATION NOTES ............................................................................................................12 2 INT401I/202 1 TUTORIAL MATTER THAT YOU SHOULD HAVE RECEIVED TO DATE Title Description TUTORIAL LETTER 101/0/2013 Tutorial letter 101 contains important information about your module. VERY important information. TUTORIAL LETTER 201/0/2013 TUTORIAL LETTER 202/0/2013 Tutorial letter 202 contains the model answers to assignment 1 & 2, and the Oct/Nov 2013 examination and Jan/Feb 2014 supplementary examination preparation notes (this tutorial letter). Plagiarism NB: Plagiarism is the act of taking words...
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...BUS 699 Course Title : Project Work Submitted To Department of Business Administration Leading University, Sylhet. Supervised By Thanvir Ahmed Chowdhury Assistant Professor Department of Business Administration Leading University, Sylhet. Submitted By Md. Islaqur Rahman ID No-1201010556 MBA Program Department of Business Administration Leading University, Sylhet. Date of Submission: 30th April 2014 Dedicated to Letter of Submission 30 April, 2014 To Thanvir Ahmed Chowdhury Assistant Professor Department of Business Administration Leading University, Sylhet. Subject: Submission of Project Report Dear Sir, It is my great pleasure that I have the opportunity to submit a report on the Functions “Credit Management of AB Bank Limited”. I have completed my Project Work from 1st April 2014 to 30 April 2014. The topic of my report is “Credit Management of AB Bank Limited”. For this purpose, I have worked...
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...been put in place for accountants. Lastly accountants have a responsibility to perform their obligations and duties by the code of conduct and to the code of ethics. We will start off with the client. The client by definition is the person who pays the professional or organization for services; the person who engages the professional for their advice or services they render. (Legal Dictionary) For these services the client must cooperate with the accountant in every aspect the accountant deems fit, within the scope of their profession. The accountants responsibilities to the client include to act with integrity, objectively, due care, competence, fully disclose any conflict of interest, maintain client confidentiality, disclose fees to client, and serve the public interest when providing financial services, (AICPA code of conduct) Accountants can also have fiduciary duties to a client if the accountant gives advice to a client involving taxes, assessing management or business consulting. Fiduciary is a legal duty to act solely in the best interest of the client. The case below involves an Atlanta-based accountant breaching his fiduciary duty involving client confidentiality. ` On August 14, 2014 the Securities and Exchange Commission (SEC) brought charges against Donald S. Troth, CPA for insider trading. The allegation by the SEC was Donald S Troth purchased stock in O’ Charley’s restaurant using information from a client that paid him for tax advice. Troth also told two other...
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...COMPANY NOTE Initiating Coverage 27 October 2014 CHN | Technology | Internet BUY Price target $118.00 Price $95.76 The Powerful E-Commerce Ecosystem Connecting Half of China; Initiate at Buy Key Takeaway China's changing Internet user demographics and mobile development support our favorable view on e-Commerce for the next decade. Alibaba is the largest Chinese ecommerce player, with 80%+ GMV market share, but is only selling to less than 25% of the population now. We estimate well over half of Chinese population will be shopping on Alibaba’s platforms in 10 years. Initiate with Buy; PT USD118. Changing demographics & mobile support ecommerce in the next decade. As discussed in our sector note, "A Taste of Domestic Consumption: The Unleashing of China's E-Commerce Power" published on Sept 19, 2014, China’s e-Commerce growth for the next decade benefit from: 1) changing Internet user demographics towards 30+ year old age groups; 2) accelerating structural shift to online from traditional retail; 3) Chinese government’s massive support for urbanization and domestic consumption; 4) proliferation of affordable smart devices; 5) improving wireless and transport infrastructures in lower tier and rural markets, and 6) rising consumer demand for better quality, design & fashion, authenticity and timely delivery. Growth driven by mix shift towards Tmall, and improving mobile monetization. We expect Alibaba, as the largest e-Commerce player, to sell to...
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...completely separated from Malaysia Airlines on October 1, 1972. Due to the popularity of MSA brand, the Malaysian Government decided to swap one letter and name the airline as the Malaysian Airline System or MAS. The airline changed its name to Malaysia Airlines in the year 1982. Malaysia Airlines started its business with a squadron of Fokker F27 Turboprop Aircraft. The airline soon started to operate jets such as Boeing 707 and Boeing 737-200. The airline got its DC-10 jets in 1976, enabling the long international service. Airbus A300 was also included in its fleet as well as A310 for a short while. Malaysia Airline System (MAS) handled its primary centre out of Kuala Lumpur. The Airline operated to over 34 regional destinations and over 45 International cities. There were many Malaysia Airline accidents in the past years which resulted in a high financial and economical crisis as well as union breakdown. In 2009, MAS had 2 notable accidents; one of them included passenger casualties and deaths. Malaysia Airlines flight 653 was hijacked and crashed in the year 1977 at Tanjung Kupang, killing all 100 passengers as well as crew on board. Malaysia Airlines Flight 684, in the year 1983, was an Airbus A300 which fell short of the runway. No one was injured. Recently after MH370 incident, Malaysia Airlines faced a lot of economic as well as financial collapse and it was a bit in danger. So Malaysia Airlines called a meeting and decided to hire someone who has a history of these kinds of...
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...October 9, 2014 McVicker Aluminum, Inc. 555 Aluminum Way Dallas, TX 78243 October 9, 2014 Mr. Virgil McVicker, CEO McVicker Aluminum, Inc. 555 Aluminum Way Dallas, TX 78243 Dear Mr. McVicker, This document contains the report that you requested in September. I have provided pertinent information and made recommendations on the plan of action to expand McVicker Aluminum, Inc. to the Kingdom of Bahrain. My analysis of the expansion into Bahrain covered four important areas that will help you decide whether or not McVicker Aluminum, Inc. should expand and build an aluminum plant in the Kingdom of Bahrain. I took an extensive look at the current political condition, the current economical condition, the current business condition, and the cultural aspects of working in a Muslim country. I strongly believe that McVicker Aluminum, Inc. can be a successful business in Bahrain. I used several resources to create this report. The most helpful resources were the Bahrain Economic Quarterly June 2014, the book by Philip Dew, Bahrain's Business Environment, and Department of Defense Bahrain Country Handbook. Thank you for choosing me to conduct the research into the Kingdom of Bahrain. If you have any further questions about the research or recommendations please contact me (michael.s.gordon.mil@mail.mil) and I will be happy to answer any questions referring to the possible expansion into Bahrain. Sincerely, Michael S. Gordon Research Analyst Aluminum...
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...The Walt Disney Company MBA 648 Company Research Project Megan Burke, Candace Longo, Irini Pertesis Table of Contents Executive Summary3 Products and Services4 Financial Planning and Analysis6 Operating Performance of the Firm6 Financial Statement Analysis 7 Financial Forecasting………..………………………………………….…………………...11 Sustainable Growth Rate………...………………………………………………………....13 Additional Funds Needed…………………………………………………………………...13 Cost of Capital……………………………………………………………………………….14 WACC………………………………………………………………………………………..14 Dividends and Stock Policies………………………………………………………………….15 Objectives of Business Corporations 16 Working Capital Management: 19 Cash and Marketable Securities Management: 21 Accounts Receivable Management…………………………………………………………….26 Financing Activities…………………………………………………………………………...26 Overall Analysis………..……………………………………………………………………….27 Executive Summary “I knew if this business was ever to get anywhere, if this business was ever to grow, it could never do it by having to answer to someone unsympathetic to its possibilities, by having to answer to someone with only one thought or interest, namely profits. For my idea of how to make profits has differed greatly from those who generally control businesses such as ours. I have blind faith in the policy that quality, tempered with good judgment and showmanship, will win against all odds.”—Walt Disney...
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...1.0 Introduction For ages the primary “responsibility” of business has only been finding ways to increase money which in turn would increase shareholder value. To put it differently, Corporate Financial Responsibility has been the driving force of most business, if not all. However, in the recent decade the driving force was redefined as Corporate Social Responsibility, which covers all social, financial and environmental responsibilities. 1.1 Corporate Social Responsibility Sir Geoffrey Chandler defines corporate social responsibility (CSR) as conducting transparent business practices that are based on ethical values, compliance with legal requirement, and respect for people, communities, and the environment. According to the Social Responsibility of the Businessman, CSR is defined as “the obligations of business to pursue those policies, to make those decisions or to follow those lines of action which are desirable in terms of the objectives and values of our society” (Bowen, 1953). 2.0 The potential of CSR in creating sustainable development The previous driving force had a great potential of exploiting the sustainability of this world at large. This is solely because when a company’s only purpose is to maximize profit at any economic, environmental or social cost. According to the Brundtland report sustainable development is interpreted as the development that meets the needs of the present without compromising the ability of future generations to meet their own needs...
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