...A Monthly Newsletter of Indian Institute of Banking & Finance (ISO 9001 : 2008 CERTIFIED ORGANISATION) (Rs. 40/- per annum) Committed to professional excellence Volume No. : 5 Issue No. : 6 January 2013 Mid-Quarter Monetary Policy Review - 18th Dec., 2012 Monetary and Liquidity Measures q The Cash Reserve Ratio (CRR) of scheduled banks remains unchanged at 4.25% of their Net Demand and Time Liabilities (NDTL). q Repo Rate under the Liquidity Adjustment The Facility (LAF) remains unchanged at 8%. qReverse Repo Rate under the LAF remains The unchanged at 7%. q The Marginal Standing Facility (MSF) and Bank Rate stands at 9%. Growth In Q2 of 2012-13, GDP growth at 5.3% was marginally lower than 5.5% recorded in Q1. On the domestic front, GDP growth is evolving along the baseline projection of 5.8% for 2012-13. Industrial activity rose sharply in October due to a low base and festive demand, propelling the growth of both consumer durables and non-durables into double digits. Significantly, capital goods production recorded a growth of 7.5% after 13 successive months of decline. Inflation Headline WPI inflation edged down to 7.2% in November due to softening of prices of vegetables, minerals and fuel. The new combined (rural and urban) CPI (Base : 2010 = 100) inflation increased in November, reflecting sustained food inflation pressures, particularly for vegetables, cereals, pulses, oils and fats. Monetary and Liquidity Conditions Money Supply (M3) growth remained...
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...BEO2401: Risk Management and Insurance Major Assignment A historical analysis of health insurance in Australia Due Date: 22/5/13 Class: Wednesday 11pm tute Jeremy Fung 3897865 Kwin Trieu 3795138 Tamimuddin Saadzadah 3854247 Zaker Hussaini 3887002 Executive Summary The aim of this report is to analysis and review the Australian Health Care System, We have had a look at the history of the healthcare system in Australia and how it started out in 1901 after the formation of the commonwealth government and the Constitution and the power sharing of the responsibilities and control of the health sector between the federal and state government. The report also analyses the dual private and public health care system, which is the Medicare and the Private Health Insurance (PHI) options for Australian Citizen. The other are that we have reviewed is the legislations related to the health Insurance sector and why is the government so keen in keeping the Private Health Insurance capacity high and what are the benefits of the PHI for the government and the health industry finance. Table of Contents Introduction 1 Australian Health Care System 2 1.1Health Insurance (History) AND Recent Changes in Private Health Insurance 2 1.2 Medicare and the Decline of Private Health Insurance (PHI) Challenge for the Government 3 1.3The role of Private Health Insurance in Australian Healthcare...
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...IMPROVING QUALITY IN THE MANAGEMENT OF PROPERTY DEVELOPMENT AND CONSTRUCTION PROJECTS Portfolio presented on 29th October 2004 in partial fulfillment of the requirements for the degree of DOCTOR OF BUSINESS ADMINISTRATION (DBA) JOHN PANIL MIEM, PEng (Msia) Bsc. (Hons) Civil Eng. MBA (Tech. Mgmt.) International Graduate School of Management Division of Business and Enterprise University of South Australia DOCTOR OF BUSINESS ADMINISTRATION PORTFOLIO/DISSERTATION SUBMISSION SUPERVISOR APPROVAL DECLARATION Candidate Name: John Panil UniSA Candidate ID Number: 00112656C Dear Sir To the best of my knowledge, the portfolio contains all of the candidate's own work completed under my supervision, and is worthy of examination. I have approved for submission the portfolio that is being submitted for examination. 5.001) Signature: Supervi or Professor Si Heng Loke Date Signa re: Supervisor Dr Karlos Knapp Date Supported by: j (\Professor David Richards Chair, IGSM Doctoral Board of Examiners a% Date DECLARATION I hereby declare that this portfolio does not incorporate without acknowledgment any materials previously submitted for a degree or diploma in any university and that to the best of my knowledge, it also does not contain any materials previously published or written by another person, except where due reference is made in the text. Si Date: John anil Can date, Doctor of Business Administration II ACKNOWLEDGMENT ...
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...Strategic Plan 2010–2015 Strategic Plan 2010–2015 Foreword This Strategic Plan covers a period when Hong Kong is likely to experience major changes arising largely from the rapid development in the Mainland, both in its economy and international status. Our emphasis in the Strategic Plan on globalisation is a considered response to these changes. We seek to provide our graduates with the best career opportunities by anticipating and training for the rapid changes that lie ahead. The Plan emphasises our commitment to excellence in research and professional education. We have strong professional schools and we take the leading professional schools in North America as models for our future development to nurture a new breed of professionals to excel and lead in our fast changing global environment. City University of Hong Kong is a vibrant university located at the centre of Hong Kong, one of the most dynamic and cosmopolitan cities in the world. The University prides itself on its close relations with the City. It has a strong sense of social awareness and of its responsibilities to the young people of Hong Kong in providing them with a strong foundation for their future endeavours. Complementing this close relationship with the City is the University’s global perspective and global connectivity reflected in both its educational and research activities. It has established itself as a leading international university and is well placed in all the international ranking...
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...use the theories and concepts presented in class. According to the conducted research and assessment, the principles and concepts learned in class applies to almost all non-profit making organizations. AARP starts by having an organizational structure that effectively manages the affairs of the organization. The structure used in governing AARP employs the board of directors who gives instructions to the executive staff. The executive team in return oversees the employees and the carrying out of the assigned activities. The team employed by the organization is highly trained and which has high skills and experience. The organization uses a set of code of conduct, policies, and procedures to govern its operations. Employees are an important factor in the operations of the AARP. Their welfare is well managed as well as staff motivations in terms of benefits. However, in a business environment there must be competition and observing policy makers that are well demonstrated by the AARP. Just like any other organization, AARP is faced with major issues and controversies that an organization has to wrestle with, in this case, politics and critics respectively. After a personal assessment of the organization, and utilizing what I have learned in class, I concluded with stated reasons that AARP is an efficient and a well ran organization, and they owe it to the well-laid organizational structure. However, certain areas are changeable like improving in the field of advanced technology that...
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...Annual Report 2010 Axiata Group Berhad Axiata Centre 9 Jalan Stesen Sentral 5 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia (242188-H) Website: www.axiata.com This publication has been printed on recycled material. principled collaborative optimistic excellence local relevance innovation uncompromising affordable connectivity innovative technology developing world class talent Our goal is to advance Asia via telecommunications and technology. The road ahead is exciting and full of possibilities. In the years to come, we at Axiata, hope to explore new frontiers of communications and to get more people connected across Asia and beyond. To move ahead towards a better, brighter future. Axiata Group Berhad (242188-H) Corporate inForMation BOARD OF DIRECTORS Chairman Non-Independent Non-Executive Director tan sri dato’ aZMan HJ. MoKHtar Managing Director/President & Group Chief Executive Officer Independent Non-Executive Director JUan VillalonGa naVarro Independent Non-Executive Director dato’ sri JaMalUdin iBraHiM Independent Non-Executive Director daVid laU nai peK Independent Non-Executive Director tan sri GHaZZali sHeiKH aBdUl KHalid Senior Independent Non-Executive Director MUHaMad CHatiB Basri Non-Independent Non-Executive Director datUK aZZat KaMalUdin dr. Farid MoHaMed sani GROUP COMPANY SECRETARY AUDITORS sUrYani HUssein ls0009277 REGISTERED OFFICE Level 5, Axiata Centre...
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...PRINCIPLES OF SENTENCING: TOWARDS A EUROPEAN CONVERSATION Paper delivered at Conference on “The Limits of the Criminal Law” at Leiden University, January 23, 2008 and subsequently published in Cupido (ed), Limits of Criminal Law (Nijmegen, 2008).[1] Tom O’Malley Senior Lecturer in Law National University of Ireland Galway First, I would like to extend my warmest congratulations to the students of Leiden Law School for having organised this conference. Thanks to their vision and energy, representatives from several European countries have gathered in this historic venue to discuss some key aspects of criminal law and criminal procedure. More often than not, we think of European law solely in terms of European Union law, the jurisprudence of the European Court of Human Rights or both. Needless to say, the study of European law even in this limited sense is of the highest importance given its impact on our national legal systems and our daily lives. However, growing levels of legal and political integration now demand that we broaden our vision of European law to encompass the domestic legal systems of individual European states. Some work has already begun in this regard,[2] but it is only on rare occasions such as this that we can engage in a meaningful exchange of ideas and information on areas of common concern. Criminal justice is a most appropriate and worthy topic with which to begin. In times past, sentencing would not have featured very prominently...
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...caribbean studies notes MODULE ONE LOCATION AND DEFINITION OF THE CARIBBEAN REGION Definition of the Caribbean Region Geographical This describes the area washed by the Caribbean Sea and is often described as the Caribbean Basin. It would therefore include most of the islands of the Lesser Antilles, Greater Antilles as well as the mainland territories in Central America (Costa Rica, Belize, Panama, Honduras) and Northern South America such as Columbia and Venezuela. The common link here is the Caribbean Sea. Geological There are deep seated structural features of Caribbean geology which also identifies commonalities. It is the area that is defined by the Caribbean Plate and which experiences similar tectonic, seismic and volcanic features and processes. Historical It describes the area that saw the impact of European colonization, slavery, indentureship and the plantation system. this refers to all the territories so that one way of defining the Caribbean is to identify those countries that experienced the rule of specific European countries. Thus the Caribbean may be defined as being broken up into the English, French, Dutch and Spanish speaking countries and territories. Political In the Caribbean at least three types of governmental systems are found. They include Independent States, Associated States and Colonial Dependencies. CHARACTERISTICS OF SOCIETY Society Society is a collection of people occupying a defined geographical...
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...Project Report On ANALYSIS OF FINANCIAL ACTIVITIES IN TATA STEEL, WEST BOKARO UNDERTAKEN AT TATA STEEL LTD., WEST BOKARO DIVISION, RAMGARH, JHARKHAND Under the guidance of “Mr. M.R.S.S. Srinivas (Manager Accounts) & Mr. Kumar Sunil (Accounts Head)” Submitted as a part of academic curriculum for the award of The degree of Post Graduate Program in Management Indian Institute of Management Rohtak By: Ashish Priyadarshi PGP05.114 AUTHENTICATION CERTIFICATE “To Whom It May Concern” This is to certify that the Internship Dissertation, titled “ANALYSIS OF FINANCIAL ACTIVITIES IN TATA STEEL, WEST BOKARO”, is a bonafide work carried out by me at Tata Steel Ltd. It is the record of an original & independent study carried out by me, under the able supervision of Mr M.R.S.S. Srinivas (Manager Accounts). Signature of the Intern Ashish Priyadarshi Date:- Place:- Company guide’s certificate “To Whom It May Concern” This is to certify that the Internship Dissertation, titled “Analysis of Financial Activities in Tata Steel, West Bokaro” submitted by Mr. ASHISH PRIYADARSHI is a bonafide work carried out by him at TATA STEEL LTD. under my guidance. The matter embodies in this dissertation has not been submitted earlier for award of any degree or diloma to the best of my knowledge and belief. I recommend its submission for evaluation. Signature of company guide 1. MR...
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...GOVERNMENT AND POLITICS AS LEVEL UNIT TWO GOVERNING THE UK “Never, never, never give up” Winston S Churchill 1874-1965 1 GOVERNING THE UK 50% of AS [25% of A2] UNIT TWO SAMPLE QUESTION Answer one question from Section A and one question from Section B in 80 minutes. Spend 40 minutes on Section A and 40 minutes on Section B SECTION A QUESTION ONE PRIME MINISTERIAL POWER “For too long the big political decisions in this country have been made in the wrong place. They are not made around the Cabinet table where they should be, but they are taken on the sofa in Tony Blair’s office. No notes are kept and no one takes the blame when things go wrong. That arrogant style of government must come to an end. I will restore the proper process of government. I want to be Prime Minister of this country not a President (Source: David Cameron, The Times, 5th October 2006) “The Cabinet is the committee at the centre of the British political system. Every Thursday during Parliament, Secretaries of State from all departments as well as other ministers meet in the Cabinet Room in Downing Street to discuss the big issues of the day. The Prime Minister chairs the meeting, selects its members and also recommends their appointment as ministers to the monarch. The present Cabinet has 23 members (21 MPs and two peers). The secretary of the Cabinet is responsible for preparing records of its discussions and decisions”. (Source: From a modern textbook) (a) What...
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...International And Regional Organizations: | Pakistan’s Role In Organizations | | In this paper I have discussed the International and Regional Organizations. Moreover, I have discussed Pakistan’s Role in different Organizations i.e. South Asian Association For Regional Corporation, United Nations, Economic Co=operation Organization, Non Aligned Movement and Organization Of Islamic Conference. | | | | | Name: Class: Subject: Subj Code: Submitted To: Submission Date: International And Regional Organizations: Introduction: An international organization is an organization with an international membership, scope, or presence. There are two types: International nongovernmental organizations (NGOs): non-governmental organizations (NGOs) that operate internationally. These include International non-profit organizations. Examples include the World Organization of the Scout Movement, International Committee of the Red Cross International corporations, referred to as multinational corporations. Intergovernmental organizations, also known as international governmental organizations (IGOs): the type of organization most closely associated with the term 'international organization', these are organizations that are made up primarily of sovereign states. Example includes the United Nations (UN). Recognized Regional Organizations (ROs) are independent bodies which share IFAC's mission and values and which, in many cases, share IFAC's membership. ROs play...
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...Annual Report 2008-09 Productivity Commission Annual Report Series © COMMONWEALTH OF AUSTRALIA 2009 ISSN ISBN 978-1-74037-286-2 1035-5243 This work is subject to copyright. Apart from any use as permitted under the Copyright Act 1968, the work may be reproduced in whole or in part for study or training purposes, subject to the inclusion of an acknowledgment of the source. Reproduction for commercial use or sale requires prior written permission from the Attorney-General’s Department. Requests and inquiries concerning reproduction and rights should be addressed to the Commonwealth Copyright Administration, Attorney-General’s Department, Robert Garran Offices, National Circuit, Canberra ACT 2600. This publication is available in hard copy or PDF format from the Productivity Commission website at www.pc.gov.au. If you require part or all of this publication in a different format, please contact Media and Publications (see below). Publications Inquiries: Media and Publications Productivity Commission Locked Bag 2 Collins Street East Melbourne VIC 8003 Tel: Fax: Email: (03) 9653 2244 (03) 9653 2303 maps@pc.gov.au General Inquiries: Tel: (03) 9653 2100 or (02) 6240 3200 An appropriate citation for this paper is: Productivity Commission 2009, Annual Report 2008-09, Annual Report Series, Productivity Commission, Canberra JEL code: D The Productivity Commission The Productivity Commission, is the Australian Government’s independent research and advisory body on a range...
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...particular field of study would be difficult to carry out. Therefore, the first unit of this material aims at developing the most fundamental concepts about management. 1.2. Meaning of Management What is Management? Management is the process of designing and maintaining an environment in which individuals working together in groups, accomplish efficiently selected objectives. It is concerned with: 1.2.1. identifying the aims and objectives of an organization 1.2.2. implementing policies by setting procedures, programmes and strategies to help in the achievement of organizational aim and objectives; 1.2.3. brining together all the various factors of production (People, money, materials, machinery, methods, and activates); 1.2.4. making the best possible use of the factors of production; 1.2.5. exercising control over the performance of the factors of production; and 1.2.6. providing conditions in which the persons associate with the organization-owners, employees, customers, and the community at large-derive maximum satisfaction (pagare, 1981) Terry and Franklin (1997:4) define management as the distinct process consisting of activities of planning, organizing, actuating, and controlling performed to determine and accomplish stated objectives with the use of human beings and other resources. They have summarized the definition in the following figure. 1 2 Stated Objectives Men and Women Materials Machines Methods Money Markets Planning Organizing Actuating Controlling ...
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...ASSESSING THE CHALLENGES OF TAX REVENEUE MOBILISATION IN GHANA: A CASE OF SUNYANI MUNICIPALITY. By EGYIN, KODWO BOAKYE (PG 2043808) A Thesis submitted to the Institute Of Distance Learning, Kwame Nkrumah University of Science and Technology in partial fulfillment of the requirements for the degree of COMMONWEALTH EXECUTIVE MASTERS OF BUSINESS ADMINISTRATION JUNE, 2011 1 DECLARATION I hereby declare that this submission is my own work towards the CEMBA and that, to the best of my knowledge, it contains no material previously published by another person nor material which has been accepted for the award of any other degree of the University, except where due acknowledgement has been made in the text. Kodwo Boakye Egyin Student Name ................................... Signature .............................. Date Certified by: Mr. Jones Lewis Arthur Supervisor ................................... Signature .............................. Date Certified by: Professor Isaac Dontwi Dean ................................... Signature .............................. Date 2 DEDICATION I dedicate this work first to the Almighty God who has brought me this far, to my father, Kwamina Akwaa Egyin, who mentored me through my education, my loving wife, Yvonne, my sweet kids, Papa Akwaa, Araba and Kurankwesi who stayed by my side all along. 3 ACKNOWLEDGEMENT I am most grateful to the Almighty God for His protection throughout the course and seeing to a successful end. My special...
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...Provincial Economic Development: Performance, Challenges, and the Way Forward Khalid Ikram* 1. Introduction Analyses of economic development in Pakistan have traditionally followed a “top-down” approach. They examine the behavior of macroeconomic indicators for the country as a whole, referring only in a general, even cursory, manner to the trajectories of each province, and even more summarily to the policy issues, constraints, and opportunities that confront the different provinces. The implicit attitude—that it is the federation as a whole rather than the federating units that matter—is so firmly embedded in the official mindset that, even after 65 years of Pakistan’s existence, the authorities do not produce official statistics of province-level gross domestic product (GDP), investment, savings, exports, imports, labor productivity, and other key economic indicators. 2. The Importance of a Province-Level Approach Why is a province-level approach important? The issue is not merely of academic interest. It is necessary to strengthen studies at the province level, because policies to address questions of employment, poverty, and perceived deprivation, and to improve the delivery of key services are more effective if the perspective is as close to the ground as possible. The validity of this approach is recognized by the burgeoning number of regional or state studies in India and in other parts of the world—such as China, Malaysia, Vietnam, Thailand, Indonesia, Brazil...
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