...III norms, Indian banks will have to hold core capital of at least seven percent of risk-weighted assets) 2) What is the name of the bill passed by the Lok Sabha on 18 December 2012, which seeks to strengthen banking regulations in the country? – Banking Laws (Amendment) Bill 2011 (This bill seeks to raise voting rights of investors in private sector banks to 26 per cent from present 10 per cent and also allows RBI to supersede boards of private sector banks to increase the cap on their voting rights to 10 per cent from 1 per cent 3) Financial sector regulators – The Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority (IRDA) and Pension Fund Regulatory and Development Authority (PFRDA), on 8 March 2013 joined hands by signing an agreement under the auspices of the Financial Stability and Development Council (FSDC). What are the main objectives of this move? – These regulators would monitor financial conglomerates (FCs) of the country as well as approve a national strategy for financial education (The term FC stands for financial conglomerates and applies to financial groups like ICICI, SBI and HDFC, which are engaged in varied financial activities like banking, mutual funds, insurance and private equity) 4) The Union govt. on 25 March 2013 announced reduction in...
Words: 7901 - Pages: 32
...PRACTICAL TRAINING REPORT AT ZULFAHMY & CO. DAILY REPORT DATE/DAY | EXACT NATURE OF WORK DONE | REMARKS | 01 Feb 2013(Friday) | PUBLIC HOLIDAY – HARI WILAYAH | | 04 Feb 2013(Monday) | -Report of duty. -Self introduction session and introduced to staff in Zulfahmy & Co.-A few of staff explains scope of work that will be done and the rules of the company.-View the file and document that has been audited by the company such as :- * PAF (Permanent Audit File ) – BLUE * CAF (Client Audit File) – YELLOW * TF (Tax File) – RED-View of the company’s background such as :- * Introduction about Zulfahmy & Co. * Corporate Vision * Professional services – auditing, consulting services, taxation, secretarial and accounting, internal audit services. -Learn on how to use fax machine. | Able to get to know the managers and other officers in the organization and their responsibilities. | 05 Feb 2013(Tuesday) | - Recall double entry treatment.-Learn and write name of the company, company’s account number, amount in the slip of Muamalat Bank, and deposit cheque at Muamalat Bank. After deposit the cheque we need to take the slip report and filing the slip in file.-Learn on how to use a Photostat machine.-Learn on how to do a casting (figure). | Understanding on how deposit check to bank muamalat. | 06 Feb 2013(Wednesday) | -View a blue file (permanent audit file) : * PILOT POWER SDN. BHD * NALURIAN SDN. BHD-Having a short quiz and interview with...
Words: 5374 - Pages: 22
...CHAIRMAN’S NOTE EXECUTIVE SUMMARY MODULE 1: ECONOMIC PERFORMANCE OF THE INDUSTRY Malaysian Economic Performance – Overview for the Year 2012 3 6 11 13 C&M Industry Performance – Overview 2012 Global and Malaysian GDP Growth Communications Services Contribution to Growth Bursa Malaysia ACE Market – An Overview of Licensees C&M Industry Financial Performance Overview Telecommunications Companies Broadcasters Trends of C&M Companies Financial Performance Digital Signature C&M Revenue by Services Market Segment ARPU Comparison Contribution of the C&M Industry to Bursa ...
Words: 31483 - Pages: 126
...excellent financial proceeds to its owners. 3. To satisfy its customers with its products. KEY RESULTS AREA: 1. To establish itself as a rough rival in its existence in the City of Ormoc. 1a. Quantity of kwek-kwek stalls here in the City of Ormoc. 1b. Quantity of sales. 1c. Marketplace portion in the City of Ormoc. 2. To convey excellent financial proceeds to its owners. 2a. Total net profits documented for the next 5 years. 2b. Return on Equity. 2c. Return on Assets. 2d. Return on Sales. 3. To satisfy its customers with its products. 3a. Boost of sales. 3b. Percentage of repeating customers. 3c. Number of customer suggestions and recommendations. PERFORMANCE INDICATORS OF QUICK KWEK-KWEK | KRAs | PI’s | | | 2012 (now) | 2013 (one year later) | 2014 | 2015 | 2016 | 2017 (5 years later) | 1a.1b. 1c. | Quantity of kwek-kwek stalls here in the city of Ormoc..Quantity of sales.Marketplace portion in the City of Ormoc. | 1Php.7,0004% | 3Php.9,0006% | 4Php.12,0008% | 6Php.18,00010% | 9Php.25,00013% | 10Php.30,00015% | 2a.2b. 2c. 2d. | Total net profits documented for the next 5 years.Return on Equity Return on Assets Return on Sales | Php.5,00030%15%12% | Php.6,00035%18%14% | Php.8,00040%19%16% | Php.12,00045%22%18% | Php.15,00048% 23%20% | Php.25,00050%25%25% | Prepared by:...
Words: 510 - Pages: 3
...Strategic Management Case Study Unilever Focusing on East for Growth Word Count: 3984 Question 1 Unilever is an Anglo Dutch company that has been established in 1929 as a result of a merger between 2 companies: Lever Brothers and Margarine Unie. UNILEVER owns consumer products in; Food and Beverages, Cleaning agents and Personal care. It is now ranked as the second world largest consumer product company. Strategic Purpose: Unilever’s 2nd rank in FMCG has been gained by serving the company’s mission “to meet everyday’s needs for nutrition, hygiene, and personal care with brands that help people look good, feel good, and get more out of life”. Value Chain Analysis Porter’s value chain analysis gives insight on how Unilever creates competitive advantage. It provides deeper understanding to establish a SWOT analysis in order to arrive at the applicable Ansoff theory. It describes Unilever’s primary and support activities’ characteristics (Figure 1). Figure [ 1 ] Primary Activities Inbound & Outbound Logistics: Unilever had put a five-year strategy plan, called the “path to growth” to transform its inbound logistics in way that increases efficiency and saves money to be invested elsewhere outside the business. This plan started in North America by integrating six operating business and emerging 3 supply chains. The philosophy of this change was to create one single set of distribution centers that attain the 24hour delivery plan to the customer. Transportation...
Words: 4872 - Pages: 20
...Resume Of AKM Shakhawat Hossain Contract Address: Haws:93-94 Road: 7 Monchurabad Adabor,Dhaka 1207 Mobile: 01798294050 Job Experience: a. I am working as an Assisted sales manager with Maladesh International Pvt.Ltd. December 2012 to till date. b. I served as an Assisted sales manager with RAK Mosfly (BD) Pvt.Ltd.to December 2011 to November 2012 at Khulna & Barisal Division. c. I served as an ASE with ACME pesticides Ltd. From March 2009 to November 2011 at Khulna area. d. I served as an Area Sales Executive with Kazi Enterprises Ltd. From March 2007 to February 2009 at Khulna aria. e. I served as a Branch manager Chandrodip development Society (Bakergonj Branch) From April 2004 to February 2007 At Barisal. f. I served as a Supervisor with Chandrodip development Society (Kitchen Improvement Project) From April 2002 to March 2004 at Barisal. Training: . Training Of Trainers (WATSAN PROGRAM). . Kitchen Improvement Training. . Popular Theater for Effective Communication (WATSAN PROGRAM). . Training on Community Managed (WATSAN PROGRAM). . TOT on improved Cook Stove Technology. Page:1 Career Objective: To build up a sales career through honesty, sincerity and hard work and...
Words: 375 - Pages: 2
...* Re: BIG BAD WOLF BOOK SALE 30/10/2012 To: Seong Ee Wei Hi, Ee Wei, Thank you for your application to be our Big Bad Wolf (BBW) book sale crew. Please come for the interview together with Ke Ying this Thursday (1.11.2012), 11am at Amcorp Mall, PJ. (please logon to www.bookxcess.com for the address). Please bring along 1 photocopy IC (front & back in 1 page). Before hand, kindly refer to the below for the terms & conditions as the BBW crew for your perusal: Working Date: 3rd-24th December 2012 Venue: The Mines Convention Centre WORKING HOURS 1. 9.00am to 9.00pm daily, you are required to report to the respective leader by 8.30am daily. 2. Selected appointed staff are required to stay back after 9pm to complete their task ie. Doing sales report. 3. There will be 2 breaks daily (each break is 30 minutes), Lunch and Dinner will be provided daily. ADDITIONAL WORKING HOURS 1. If the Employee required to work more than the regulated working hours per day as mentioned above, the Employee shall be paid a rate of RM15 per hour. 2.The minimum additional hour to clock in per day is ½ hour. TERMINATION OF THE CONTRACT The Employer reserves the rights to terminate Employee’s contract on the following conditions and the Employer has the absolute rights to reduce the hourly rate from RM10 to RM7for the number of days worked by the Employee. The conditions are: (a) Poor performance deemed by BBW Management; (b) Late – more than 3 working days; (c) Failed to...
Words: 429 - Pages: 2
...changed on them. So when putting together a growth strategy companies should think rapidly. Best approach could be take one step at a time. ➢ One of the ways for developing a business growth strategy for Purple HR could be buying a competing business or businesses.Employing such a strategy will add to the company’s growth and it will also eliminate another barrier standing in front of company’s future growth namely- a real or potential competitor. Paychex, Inc. is a provider of payroll, human resource, and benefits outsourcing solutions for small to medium-sized businesses.Paychex, acquired key competitors over the years which proved beneficial for them as their share in the market increased.. In January 2012, the Company acquired Icon Time Systems, Inc. In December 2012,...
Words: 419 - Pages: 2
...volume variance= (850,000 X 125)-(800,000 X 125) =$106,250,000-$100,000,000 = $6,250,000 Favourable 3. Absorption costing. | $ | $ | SalesLess: Cost of goods soldOpening inventoryProduction(850,000 X (255+125))(-)Ending inventory(30,000 X 405)Gross MarginAdjustments for production variance(850,000-800,000)x125Operating Income | 0323,000,000(11,400,000) | 450,000,000(311,600,000) | | | | | | 138,400,0006,250,000F | | | 144,650,000 | Income Statement for the year ended 31December 2012 4. Variable Costing Income Statement for the year ended 31 December 2012 | $ | $ | SalesOpening inventoryProduction(850,000 X 255)(-)Ending inventoryContribution MarginFixed factory overheadOperating income | 0216,750,000(7650,000) | 450,000,000(209,100,000) | | | 240,900,000(100,000,000) | | | 140,900, 000 | 5. Based on the calculations of absorption costing and variable costing for the year 2012,it would be better to calculate and measure using the absorption costing because it has the favourable variance of production . Moving on, applying the absorption costing is able to make us visualise the operation income aggregate moreover variable costing. Other than that, if the budgeted production unit is lower than the actual production units will affect the operating income to raise with using the absorption costing. As a conclusion, it is better that L.A...
Words: 288 - Pages: 2
...Thematic Study | 12 December 2012 17th ANNUAL WEALTH CREATION STUDY (2007-2012) Economic Moat Fountainhead of Wealth Creation HIGHLIGHTS Economic Moat protects profits and profitability of companies from competitive attack. Extended CAP (competitive advantage period) of Economic Moat Companies (EMCs) leads to superior levels of profits and stock returns. Over 2002-2012, EMCs in India have outperformed benchmark indices. Breach of Economic Moat causes massive wealth destruction. Markets seem poised to touch new highs in the next 12 months. "(Great companies to invest are like) Wonderful castles, surrounded by deep, dangerous moats where the leader inside is an honest and decent person. Preferably, the castle gets its strength from the genius inside; the moat is permanent and acts as a powerful deterrent to those considering an attack; and inside, the leader makes gold but doesn't keep it all for himself. Roughly translated, we like great companies with dominant positions, whose franchise is hard to duplicate and has tremendous staying power or some permanence to it." — Warren Buffett TOP 10 WEALTH CREATORS (2007-2012) THE BIGGEST Rank 1 2 3 4 5 6 7 8 9 10 Company ITC TCS HDFC Bank MMTC HDFC State Bank of India Infosys Tata Motors Hind Unilever Jindal Steel Wealth Created (INR b) 1,187 1,082 744 671 558 556 516 499 457 436 THE FASTEST Company TTK Prestige LIC Housing Finance Coromandel Inter Eicher Motors IndusInd Bank MMTC Jindal Steel Bata...
Words: 19667 - Pages: 79
...Fauji Fertilizer Bin Qasim Limited Financial Analysis Report Period coverage: 1st January 2012 to 31st December 2012 Prepared and Presented by: Dr. Babur Zahiruddin Raza, Corporate Office Consultant in Human Resources & Master Trainer in H.R Applications Research Consultant Mr. J. S Khan IT Consultant Mr. Raheel Rustam Ph: 051-5584905, 5792836 Cell: 0332 – 4923235 Email: baburzahiruddin@yahoo.com, TABLE OF CONTENTS SR no | Description | Page no | 1 | Financial analysis approach ----------------------------------------------- | 3 | 2 | Analytical review --------------------------------------------------------- | 4 | 3 | Key discussion points for AGM ---------------------------------------- | 8 | | | | | | | | | | | | | | | | 1. FINANCIAL ANALYSIS APPROACH I have adopted following approach to perform holistic and integrated financial analysis of Fauji Fertilizer Bin Qasim Limited-FFBL Environmental analysis Industry analysis Operational review of FFBL Financial analysis The under mentioned documents are essential to perform comprehensive analysis of financial position, performance and cash position. 1. Business plan-Year 2013 to 2015 2. Approved budget-Year 2013 to 2015 3. Annual report of Year 2012 4. Audited financial statements-Year 2012 5. Internal audit charter / Terms of reference for internal audit 6. Internal audit reports 7. Audit engagement letters 8...
Words: 2254 - Pages: 10
...researching had a particular problem with its on-going sickness levels. After researching more about this HR area I noticed that this year overall both in private and public sectors there have been a noticeable decrease in absence levels. However this year also sees an increase in “presenteeism” – people continuing to work when not well. This can have an effect for not only the individual but the organisation. Despite decreasing absence levels, it is imperative to continue to manage absence effectively, focusing on employee well-being. How I analysed and interpreted data The attached graph has been taken from a Hotel’s absence/sickness levels. I have looked at each department’s sickness records and figures from the last financial year 2012. After analysing the organisations sickness over the last 12 months and having taken figures from monthly HR records, I have interpreted the data and devised a graph. Each line on the graph shows the amount of days off sick each department has had per month. Findings The graph shows me that the organisation’s sickness levels could be better and are below average from other similar organisations that I further researched. It shows that it has a higher level of absence in the winter months than the summer months. This could be due to temperatures of weather and employees being off with cold and flu like symptoms. Also the epidemic of the Norovirus throughout December seemed to make its way round the hotel which led to a lot of absentees...
Words: 333 - Pages: 2
...1 STAFF SELECTION COMMISSION Combined Graduate Level Examination, 2012 - Declaration of Final result SSC conducted CGL (Tier-I) Examination, 2012 on 01.07.2012 and 08.07.2012. Re-examination of certain candidates was held on 4.9.2012. Based on their performance in Tier-I, candidates were called for Tier-II Examination held on 3rd & 4th September, 2011. The result of Tier-II Examination for calling candidates for Interview/Skill Test was declared subsequently. Following Lists were declared:List-I: Candidates qualified in Tier-II for all Interview posts (other than Statistical Investigator/Compiler) – 5742 Candidates List-II: Candidates qualified in Tier-II for the posts of Statistical Investigator/Compiler - 1443 candidates List-III: Candidates qualified in Tier-II for all Non-Interview Posts - 19644 candidates List-IV: Candidates qualified in Tier-II for post of Tax Assistant – 27640 candidates 2. (i) Computer Proficiency Test (CPT) and Data Entry Skill Test (DEST) are of qualifying nature. CPT consists of 3 modules. Module I is the Data Entry Skill Test. Module II and III of CPT are on Spreadsheets and Power Point respectively, and each paper had 100 marks. Fixation of cut-off in Module I for evaluation of CPT Module II & III 2. (ii) The Commission decided to fix Cutoff of upto 5% mistakes for UR and 10% mistakes for other categories in Module I (same as DEST) for qualifying candidates for evaluation of Module II & III of CPT. Category-wise number of candidates qualified...
Words: 13280 - Pages: 54
...the company are the employees conditions abroad, the buying of reebok and it's sales drop last year 2012. In the website oxfam, which analyses the conditions of workers abroad, it is stated:" we asked Adidas to implement worker's rights in Indonesia". (Oxfam 1). The complaints relate to the the ongoing problems of not matching wages with the rising prices of food and supporting work abroad. This can become a greater issues because most manufacturing is done abrasive and foreign countries could rebel against western companies hence slowing down productions or damaging products. Source: https://www.oxfam.org.au/explore/workers-rights/adidas/talking-with-adidas/ Another issue is the acquisition of Reebok, although buying another company cuts competition it also bring greater responsibilities. According to article on sportsdailybusiness.com Adidas has not gained any profit from Reebok rather loss. As it states in the article that since the acquisition in 2006, Adidas has struggled to raise to power the brad, commercial irregularities have been caught and it has suffered through the NHL lockout. Buying companies may eliminate competition but can bring great loss to the company if the other company itself is doing midly poor. Source: http://m.sportsbusinessdaily.com/Daily/Issues/2012/11/09/Finance/adidas-Reebok.aspx Lastly but not least the sales have decreased in 2012. In Triple pundits progress report Adidas has failed to keep its promises to sale more and to change...
Words: 315 - Pages: 2
...NAME: AIFUWA HOPE OSAYANTIN PHONE NO : +2348136751972, PIN – 269B7BC0, 7BEB93E6 EMAIL – aifuwahopeosayantin@yahoo.com WEBSITE – aifuwahopeosayantin.blogspot.com TABLE OF CONTENTS PAGES I. Abstract of the subject matter 2 II. Objectives 3 III. Scope of the study 3 IV. Introduction 4 V. Illustrations and Suggested solution 11 VI. Illustration and Suggested solution (Without Retained crates and closing balance on premises) 14 VII. Purpose of keeping separate accounts for containers 18 VIII. Uses of Container accounts 18 IX. Recommendations 19 References 20 1.1. OBJECTIVES This paper...
Words: 3215 - Pages: 13
