...COMMERCIAL BANK OF ETHIOPIA CUSTOMER ACCOUNTS AND TRANSACTION SERVICE TECHNICAL TRAINING MANUAL May 2014 Commercial Bank of Ethiopia Contents PART I ............................................................................................................................................................ 1 Chapter one .................................................................................................................................................. 1 Introduction .................................................................................................................................................. 1 1.1 Overview ............................................................................................................................................. 1 1.2 History of Banking in Ethiopia ............................................................................................................. 2 1.3 CBE’s Profile ........................................................................................................................................ 4 V I S I O N................................................................................................................................................... 4 MISSION .................................................................................................................................................... 4 List and discuss CBE’s corporate values ..............................................
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...COMMERCIAL BANK OF ETHIOPIA CUSTOMER ACCOUNTS AND TRANSACTION SERVICE TECHNICAL TRAINING MANUAL May 2014 Commercial Bank of Ethiopia Contents PART I ............................................................................................................................................................ 1 Chapter one .................................................................................................................................................. 1 Introduction .................................................................................................................................................. 1 1.1 Overview ............................................................................................................................................. 1 1.2 History of Banking in Ethiopia ............................................................................................................. 2 1.3 CBE’s Profile ........................................................................................................................................ 4 V I S I O N................................................................................................................................................... 4 MISSION .................................................................................................................................................... 4 List and discuss CBE’s corporate values ..............................................
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...across Indonesia, GAR produces more than 2.7 million tonnes of palm products per annual. The land size the company own benefit itself from economies of scale and develop best expertise in some professional areas that turned it to be one of the most efficient palm oil plantation companies in the world, in terms of productivity and operating costs. Flambo International Ltd, an Investment Company, is GAR’s largest shareholder. It holds 49.95% stake of GAR. Besides, GAR also has several subsidiaries, including PT SMART Tbk which is listed on the Indonesia Stock Exchange since 1992. In 15 January 2012, GAR and its subsidiaries have launched a Yield Improvement Policy (YIP). The policy will leverage on technology and innovation to improve Company’s CPO yield/ha. By carry out this policy, it will not enable HAR to produce more palm oil from less land but also reduce the impact of the palm oil industry developed that cost a lot. In 19 January 2012, GAR has received Roundtable on Sustainable Palm Oil (RSPO) certification that it is one of the important part to help the GAR for producing palm oil sustainably. (238 words) Part B Golden Agri-Resources and its subsidiaries are one of the leading integrated palm oil plantation companies in the world. They cultivate and harvest palm trees and process the fruits into crude palm oils which will be refined into both industrial and commercial use. To harvest palm trees a lot of land is required and the climate must be right. To...
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...annual report 2014 8 th annual general meeting Menara Hap Seng Jalan P. Ramlee, 50250 Kuala Lumpur, Malaysia. Monday, 25 May 2015 at 2pm. Contents Hap Seng Plantations Holdings Berhad | Annual Report 2014 16 Chairman’s Statement 56 51 Corporate Social Responsibility 2 3 14 16 22 35 Corporate Information Directors’ Profile Group Financial Highlights Chairman’s Statement Statement on Corporate Governance Statement on Risk Management and Internal Control 41 Board Committees 51 Corporate Social Responsibility Financial Statements 56 114 116 120 122 123 126 127 • Financial Statements Additional Information Particulars of Group’s Properties Plantation Statistics Share Buy-Backs Summary Analysis of Shareholdings Directors’ Shareholdings Notice of Annual General Meeting Proxy Form Hap Seng Plantations Holdings Berhad | Annual Report 2014 Corporate Information BOARD OF DIRECTORS Tan Sri Ahmad Bin Mohd Don Independent Non-Executive Chairman Datuk Simon Shim Kong Yip, JP Non-Independent Non-Executive Deputy Chairman Tan Sri Abdul Hamid Egoh Non-Independent Non-Executive Director Datuk Edward Lee Ming Foo, Managing Director Wong Yuen Kuai, Lucien Independent Non-Executive Director JP Lee Wee Yong Executive Director Au Yong Siew Fah Executive Director 2 Company Secretaries Cheah Yee Leng (LS 0009398) Lim Guan Nee (MAICSA 7009321) Registered...
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...Wilmar International Ltd PREPARED BY: Lai Wai Kit (U064737W) Lee Kelvin (U064755N) Nattaya Kris Suebjaklap (U064241H) Li Zhuowei (U064260M) Disclaimer Valuation reports will not be censored and will be catalogued for reference in its original submitted form. All research reports, appendices and/or presentation slides are produced strictly for academic purposes. Any such document is not to be construed as an offer or a solicitation of an offer to buy or sell any securities nor is it mean to provide investment advice. The NUS, the NUS Business School, the participating students, faculty members, and staff accept no liability whatsoever for any direct or consequential loss arising from any use of this document or any communication given in relation to this document. W September 30, 2009 Wilmar International Ltd Initial Coverage: We Invest, You Harvest HOLD Equity | Singapore | Plantations Research Analysts: Lai Wai Kit Lee Kelvin Nattaya Kris Suebjaklap Li Zhuowei +65 6321 1234 financialanalysts@kcubez.com and new markets and strong financial position. Key Opportunities – Looking Forward S$6.65 Current Price S$6.32 Target Horizon 12 months STI Index 2,672.57 STOCK INFORMATION Bloomberg Code WIL SP HISTORICAL CHART Reuters Code WLMIF.PK Market Cap(m) 40357.51 52-week High S$6.99 52-week Low S$1.80 Listing Bourse SGX Mainboard Average Volume (‘000) 10683.9 Beta 0.875 • Improving global...
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...MP A R Munich Personal RePEc Archive The Islamic Inter bank Money Market and a Dual Banking System : The Malaysian Experience Bacha, Obiyathulla I. INCEIF the Global University in Islamic Finance 2008 Online at http://mpra.ub.uni-muenchen.de/12699/ MPRA Paper No. 12699, posted 13. January 2009 / 09:41 The Islamic Inter bank Money Market and a Dual Banking System: The Malaysian Experience. (1st Draft : June 2007) (1st Revision : September,2007) (This revision: March, 2008) Obiyathulla Ismath Bacha Dept. of Business Administration College of Economics and Management Sciences International Islamic University, Malaysia obiya@iiu.edu.my ………………………………………………………………………………………….. The author gratefully acknowledges Rahmatina Kasri for her research assistance, as well as that of participants of the 2nd International Islamic Financial Markets Conference, Bahrain, for the useful comments Abstract This paper examines the operation of an Islamic Inter-bank Money Market (IIMM), within a dual banking system. The paper argues that even though an Islamic money market operates in an interest-free environment and trades Shariah-compliant instruments, many of the risks associated with conventional money markets, including interest-rate risks are relevant. The empirical evidence, based on Malaysian data, points to Islamic money market profit rates/yields that are highly correlated and move in tandem with conventional money market rates. Given the dynamics of fund flows and...
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...BUNGE LTD. Analysis Team Shelby Bentley Nicolas King Jon Murphy Colby Norris Georgia Sanchez shelby.bently@ttu.edu nick.king@ttu.edu jon.murphy@ttu.edu colby.norris@ttu.edu georgia.sanchez@ttu.edu 1 Table of Contents Executive Summary ………………………………………………………………………..8 Company Overview ……………………………………………………………………….14 Industry Overview …………………………………………………………….............15 Five Forces Model …………………………………………………………………………16 Rivalry among Existing Firms ………………………………………………..18 Industry Growth …………………………………………………………………………18 Concentration …………………………………………………………………………….20 Differentiation ……………………………………………………………………………21 Switching Costs ………………………………………………………………………….22 Economies of Scale …………………………………………………………………….22 Learning Economies of Scale ……………………………………………………….23 Fixed Variable Cost ……………………………………………………………………..24 Threat of New Entrants ………………………………………………………..25 Economies of Scale ………………………………………………………..……………25 First Mover Advantage ………………………………………………………………..26 Distribution Access and Relationships …………………………………………..26 Legal Barriers …………………………………………………………………………….27 Threat of Substitute Products ……………………………………………….28 Relative Price and Performance ……………………………………………………28 Customers Willingness to Switch ………………………………………………….29 Bargaining Power of Customers …………………………………………….30 2 Switching Costs ……………………………………………………………………….…30 Differentiation ……………………………………………………………………………31 Cost and Strategy Importance …………………………………………………….31 Number of Customers …………………………………………………………………32...
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...MASTERPLAN ACCELERATION AND EXPANSION OF INDONESIA ECONOMIC DEVELOPMENT 2011-2025 R EPUBLIC OF I ND ON ES IA Doc. Wijaya Karya Masterplan for Acceleration and Expansion of Indonesia Economic Development © Copyright Coordinating Ministry For Economic Affairs, Republic of Indonesia Published by Editor Design by : Coordinating Ministry For Economic Affairs : Deputy Minister for Coordinating Infrastructure and Regional Development, Coordinating Ministry For Economic Affairs : IndoPacific Edelman First Published 2011 All Rights Reserved Coordinating Ministry For Economic Affairs, Republic of Indonesia Masterplan for Acceleration and Expansion of Indonesia Economic Development Jakarta: Coordinating Ministry For Economic Affairs, 2011 212 pages; 28 x 30 cm ISBN 978-979-3754-14-7 Masterplan aCCeleratIOn anD eXpansIOn OF InDOnesIa eCOnOMIC DeVelOpMent 2011-2025 Coordinating Ministry For Economic Affairs Republic of Indonesia 6 Masterplan P3EI Abstract Doc. Astra Otoparts Doc. Wijaya Karya Doc. Wijaya Karya Table of Contents Preface from The President of Republic of Indonesia Abstract Historical Breakthrough in the Making of MP3EI 1. The Self-Sufficient, Advanced, Just, and Prosperous Indonesia A. Preface B. Acceleration and Expansion of Indonesia Economic Development C. Indonesia’s Position Within The Regional and Global Dynamics D. Indonesia’s Potential and Challenges E. Acceleration of Economic Transformation - A New Way of Working...
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...Course Related 2 Virtual Expert 2 JSB Inc. 2 James S. Black (Company founder) 2 Abigail Foley (Senior vice president of Business Development) 2 Mark Thompson (Business Development Manager) 2 Major Business Functions (In JSB) 3 Manufacturing 3 Sales and Marketing 3 Human Resources 3 Finance and Accounting 3 Terms 3 Information vs Data 3 Digital Manufacturing 3 DELMIA 3 POS 3 Inventory Management System 3 Mapping Technology 3 Electronic Business / E-Business 3 Electronic Commerce / E-Commerce 3 E-Government 3 Problem Solving 3 Critical Thinking 3 Steps 3 1. Problem Identification 3 Dimensions of Business Problems 3 Organizations 3 Technology 3 People 3 Examples 3 2. Solution Design 3 3. Solution Evaluation and Choice 3 4. Implementation 3 Analyzing Performance 3 Case Study Analysis 3 Identify the most important facts surrounding the case 3 Identify key issues and problems 3 Specify alternative courses of action 3 Evaluate each course of action 3 Recommend the best course of action 3 Information Systems 3 Definition 3 Information Technology versus Information Systems 3 Information Technology 3 Information System 3 Dimensions 3 Organization 4 Technology 4 Components 4 Hardware 4 Software 4 Data Management Technology 4 Networking and Telecommunications Technology 4 Function 4 People 4 Functions 4 Input 4 Processing 4 Output 4 Types 4 Strategic-level systems 5 ...
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...2013 Budget Speech Minister of Finance Pravin Gordhan 27 February 2013 ISBN: 978-0-621-41456-1 RP: 345/2012 To obtain copies please contact: Communications Unit National Treasury Private Bag X115 Pretoria 0001 Tel: +27 12 315 5526 Fax: +27 12 315 5126 Budget documents are available at: www.treasury.gov.za 2013 Budget Speech Honourable Speaker I have the honour to present the fourth budget of President Zuma’s administration. Mr President you said in the State of the Nation address that “we should put South Africa first. All of us have a patriotic duty and responsibility to build and promote our country.” You further said “The National Development Plan provides a perfect vehicle for united action precisely because it has the support of South Africans across the political and cultural spectrum. Leaders in every avenue should be ready to rise above sectional interests and with great maturity, pull together to take this country forward.” This challenge applies to all sections of our society: business, labour, public representatives, activists and citizens in every part of the country. As we pointed out in the 2012 Budget, global economic uncertainty will remain with us for some time. South Africa’s economic outlook is improving, but requires that we actively pursue a different trajectory if we are to address the challenges ahead. 1 2013 Budget Speech Under your leadership Mr President, we have opened new channels of communication and built more cohesion among...
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...The fourteenth edition of Purchasing and Supply Management focuses on decision making throughout the supply chain. Based on the conviction that supply managers, in concert with suppliers and distributors, have to contribute to organizational goals and strategies, this edition continues to focus on how to make that mission a reality. Fourteenth Edition Highlights of the Fourteenth Edition: More than 40 real-life supply chain cases afford the opportunity to apply of the acquisition process. Criteria for supply decisions have been organized into three categories: (1) strategic, (2) operational, and (3) additional. In this third category, new factors such as balance sheet and income statement considerations, dimensions of risk, and environmental and social considerations are considered. Visit the text’s Online Learning Center at www.mhhe.com/Johnson14e Michiel R. Leenders, D.B.A., PMAC Fellow Professor of Purchasing Management Emeritus Richard Ivey School of Business The University of Western Ontario Anna E. Flynn, Ph.D., C.P.M. Formerly Clinical Associate Professor Supply Chain Management Thunderbird School of Global Management Formerly Associate Professor Institute for Supply Management TM Johnson Leenders Flynn Purchasing and Supply Management Johnson Leenders Flynn MD DALIM #1093963 06/05/10 BLUE GREEN P. Fraser Johnson, Ph.D. Leenders Purchasing Management Association of Canada Chair Associate Professor, Operations Management ...
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...The fourteenth edition of Purchasing and Supply Management focuses on decision making throughout the supply chain. Based on the conviction that supply managers, in concert with suppliers and distributors, have to contribute to organizational goals and strategies, this edition continues to focus on how to make that mission a reality. Fourteenth Edition Highlights of the Fourteenth Edition: More than 40 real-life supply chain cases afford the opportunity to apply of the acquisition process. Criteria for supply decisions have been organized into three categories: (1) strategic, (2) operational, and (3) additional. In this third category, new factors such as balance sheet and income statement considerations, dimensions of risk, and environmental and social considerations are considered. Visit the text’s Online Learning Center at www.mhhe.com/Johnson14e Michiel R. Leenders, D.B.A., PMAC Fellow Professor of Purchasing Management Emeritus Richard Ivey School of Business The University of Western Ontario Anna E. Flynn, Ph.D., C.P.M. Formerly Clinical Associate Professor Supply Chain Management Thunderbird School of Global Management Formerly Associate Professor Institute for Supply Management TM Johnson Leenders Flynn Purchasing and Supply Management Johnson Leenders Flynn MD DALIM #1093963 06/05/10 BLUE GREEN P. Fraser Johnson, Ph.D. Leenders Purchasing Management Association of Canada Chair Associate Professor, Operations Management ...
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...Comperative Study of Corporate Social Activities of Bank And Non Bank Financial Institute Executive Summery This paper deals with some banks & non-banking financial institutions which are performing CSR. It is the continuing commitment by business to behave ethically and contribute to economic development while improving the quality of life of the workforce and their families as well as of the local community and society at large. It would be give strategic, longer run competitive advantage for banks and non-banking financial institutions in Bangladesh to embrace CSR in their management approaches and operations, with initiatives chosen in broad-based, extensive stakeholder engagement. Corporate social responsibility may help to establish clear boundaries among the different interests of the groups like shareholders, citizens, providers, and customers. In this paper, we will describe, analyze, and formalize the critical responsibility parameters, as well as the variables that shape them. Introduction The title of our term paper is “Comparative Study on the Corporate Social Responsibility Performing by Banking, Non-Banking Financial Institutions” . Globally, the notion of Corporate Social Responsibility (CSR) is fast gaining acceptance as the contribution that businesses can and should make voluntarily...
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...IS FO TR R IB L U IM TI IT O E N D O N LY D Choosing the Channels of Communication A Review of Media Resources for 11 Countries in the Western Pacific Region This document is part of a continuing project of the Tobacco Free-Initiative and the Health Promotion Unit, World Health Organization, Western Pacific Regional Office. Tobacco-Free Initiative & Health Promotion Unit World Health Organization Regional Office for the Western Pacific P Box 2932, 1000 Manila, Philippines .O. Tel: (632) 528-8001 Fax: (632) 521 1036 http://www.wpro.who.int Choosing the Channels of Communication Choosing the Channels of Communication A Review of Media Resources for 11 Countries in the Western Pacific Region Introduction .................................................................................................................................. 1 Key elements in choosing the channels of communication ................................................ 2 Cambodia Summary of media resources ...................................................................................................... 8 Media directory ............................................................................................................................ 10 China Summary of media resources ........................................................................................................ 18 Media directory .........................................................................................
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...This is Grameenphone November 11, 1996 Awarded operating license in Bangladesh by the Ministry of Posts and Telecommunications. March 26, 1997 Launched its service on the Independence Day of Bangladesh. November 11, 2009 Successfully listed on the Stock Exchanges in Bangladesh. After fifteen years of operation More than 35 million subscribers and around 87 thousand Shareholders as of December 2011 are now empowered under a single network and touched by the magic of closeness. Annual Report 2011 02/03 More than 35 Million subscribers History & Grameenphone Milestones 2010 Launched New Tariff Plan, ‘MobiCash’ Financial Service Brand, Ekota for SME, Baadhon Package, Mobile Application Development Contest & Network Campaign; Reached 29.97 Million Subscribers 2008 Introduced BlackBerry Service; 2011 Launched ‘My zone’- location based discount on usage, Micro SIM cards for iPhone, Spondon Package with 1-sec pulse; Grameenphone Branded Handset (C200, QWERTY handset ‘Q100’ and Android Handset ‘Crystal’), Customer Experience Lab, eCare solution; Completed swapping of 7,272 nos. of BTS; Reached 36.5 Million Subscribers 2009 Listed on Dhaka Stock Exchange Ltd. and Chittagong Stock Exchange Ltd.; Launched Internet Modem, Special Olympic Regional Talent Hunt, Stay Green Campaign, Internet Package P5 & P6, Grameenphone Branded Handset & Studyline; Reached 21 Million Subscribers Commissioned Brand Positioning & ...
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