...the issues are with the SMEs themselves, the banks and non-banking financial institutions (NBFI) also have major issues in designing financial products for the SMEs. Banks and NBFIs always play a major role in our country’s economy. The number of branches of private bank and NBFI is increasing day by day. As the number is increasing, the competitive environment is making the firms to be more aggressive, innovative and diversified. As a NBFI, United Leasing Company (ULC) was established in 1989 by reputed foreign and local institutions in collaboration with IDA. The objective was to create an Institution that will cater to the investment needs of our economy. As the competition is rising in the market, so ULC is also going through some changes of processes. They have introduced a department for analyzing clients before financing named Credit Department for all types of financing including small, medium and corporate enterprise financing. This internship report is about the credit approval process for Small Enterprise Financing in ULC. 1.2 Origin of the report Now a day, education is not just limited to books and classrooms. In today’s world, education is the tool to understand the real world and apply knowledge for the betterment of the society as well as business. From education the theoretical knowledge is obtained from courses of study, which is only the half way of the subject matter. Practical knowledge has no alternative. The perfect coordination between theory and practice...
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...Table of Contents * ------------------------------------------------- 1 Introduction * ------------------------------------------------- 2 History of GSPB * ------------------------------------------------- 3 Business in Bangladesh * ------------------------------------------------- 4 Mission Statement * ------------------------------------------------- 5 GSPB at a Glance * ------------------------------------------------- 6 Strength of GSPB * ------------------------------------------------- 7 Share Holding Structure * ------------------------------------------------- 8 List of Directors: * ------------------------------------------------- 9 BUSINESSES * ------------------------------------------------- * ------------------------------------------------- 9.0.1 Long/Mid-Term Finance * ------------------------------------------------- 9.0.2 Short Term Finance * ------------------------------------------------- 9.0.3 Real Estate Finance * ------------------------------------------------- 9.0.4 Corporate Finance * ------------------------------------------------- 9.0.5 Merchant Banking * ------------------------------------------------- 10 BOARD & MANAGEMENT * ------------------------------------------------- 11 KEY MANAGEMENTKEY * ------------------------------------------------- 12 MARKET ASPECT * ------------------------------------------------- ...
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...Internship Organization: United Leasing Company Limited 22 , Kazi Nazrul Islam Avenue, Dhaka Prepared for: Internship Supervisor Mr. Imran Rahman Associate Professor IBA, Univ. of Dhaka Prepared by Maruf Haider ZR 33, BBA 10th Institute of Business Administration University of Dhaka. June 25, 2006 June 25, 2006 Mr. G. M. Chowdhury Chairman Internship & Placement Program Institute of Business Administration University of Dhaka Dear Sir: I am glad to submit my Internship Report for the Internship Program (BBA 10th, 2006), herewith. I considered your remarks and instructions very carefully while preparing this report. I tried my level best to follow your schedule, format and discipline. I tried to comprehend all the areas related to this report. This has certainly enhanced my knowledge base with a practical orientation. Thank you for your consideration. Sincerely Yours, Maruf Haider ZR -33 , BBA 10th IBA Univ. of Dahaka Table of Contents Section 1 –Organization report 1.1 Background of ULC 1.2 Corporate Objective 1.3 Capital, Sponsors and Share Structure 1.4 Board of Directors 1.4.1 Executive Committee 1.5 Organizational Structure 1.5.1 Management 2.1 Lease Portfolio and Sector wise Exposure 2.2 Performance of ULC at a Glance 2.3 SWOT Analyses of ULC 3.0 Credit offers by ULC 4.1 Credit Approval Process of ULC 5.1 Conclusion ...
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...Financial Institutions in Bangladesh: An Analytical Review Md. Nehal Ahmed Mainul Islam Chowdhury March 2007 Policy Analysis Unit (PAU) Research Department, Bangladesh Bank Head Office, Dhaka, Bangladesh (www.bangladeshbank.org.bd) (www.bangladesh-bank.org) Policy Analysis Unit* (PAU) Working Paper Series: WP 0709 Non-Bank Financial Institutions in Bangladesh: An Analytical Review Md. Nehal Ahmed Mainul Islam Chowdhury Research Economist Policy Analysis Unit Research Department Bangladesh Bank March 2007 Copyright © 2007 by Bangladesh Bank * In an attempt to upgrade the capacity for research and policy analysis at Bangladesh Bank (BB), PAU prepares and publishes several Working Papers on macroeconomic research every quarter. These papers reflect research in progress, and as such comments are most welcome. It is anticipated that a majority of these papers will eventually be published in learned journals after the due review process. Neither the Board of Directors nor the management of BB or any agency of the Government of Bangladesh, however, necessarily endorses any or all of the views expressed in these Papers. The latter reflect views based on professional analysis carried out by the research staff of Bangladesh Bank, and hence the usual caveat as to the veracity of research reports applies. [An electronic version of this paper is available at www.bangladeshbank.org.bd] Non-Bank Financial Institutions in Bangladesh: An Analytical Review ...
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...Annual Report 2010 CONTENTS Notice of the Meeting PAGE 1 Company Information 2-3 Company Milestones 4 Chairman’s Statement 5-7 Board of Directors' Report Progress at a Glance Auditors' Report to the Shareholders Balance Sheet Profit and Loss Account Statement of Changes in Equity Cash Flow Statement Liquidity Statement Notes to the Accounts Annexure Proxy Form 8-13 14-15 16-17 19-20 21 22 23-24 25 26-57 58 59 NOTICE OF THE TWENTY SECOND ANNUAL GENERAL MEETING Notice is hereby given that the Twenty Second Annual General Meeting of the shareholders of United Leasing Company Limited will be held at the Celebrity Hall of Bangabandhu International Conference Centre, Agargaon, Sher-E-Bangla Nagar, Dhaka on Thursday, June 9, 2011 at 11.00 a.m. to transact the following business: 1. To receive and adopt December 31, 2010. the Directors' Report and Audited Accounts for the year ended 2. To declare Dividend for 2010. 3. To elect Directors as per Articles of Association of the Company and fix Directors’ remuneration. 4. To consider the appointment of Auditors for 2011 and fix their remuneration. BY ORDER OF THE BOARD Dated : Dhaka April 18, 2011 COMPANY SECRETARY Notes : 1. A Shareholder entitled to attend and vote at the meeting may appoint a proxy to attend and vote in his/her stead. The proxy form must be affixed with a revenue stamp of Tk 10.00 and submitted to the Registered Office of the Company no later than 48 hours before the day of the Annual General Meeting....
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...DHAKA STOCK EXCHANGE Introduction to DSE The Necessity Of Establishing A Stock Exchange In The Then East Pakistan Was First Decided By The Government When, Early In 1952.It Was Learnt That The Calcutta Stock Exchange Had Prohibited The Transactions In Pakistani Shares And Securities. The Provincial Industrial Advisory Council Soon Thereafter Set Up An Organizing Committee For The Formation Of A Stock Exchange In East Pakistan. A Decisive Step Was Taken The Second Meeting Of The Organizing Committee Held On The 13th March ,1953. In The Cabinet Room, Eden Building ,Under The Chairmanship Of Mr. A . Khaleeli, Secretary Government Of East Bengal , Commerce, Labor And Industries Department At Which Various Aspects Of The Issue Were Discussed In Detail. The Then Central Governments Proposal Regarding The Karachi Stock Exchange Opening A Branch At Dhaka. , Did Not Find Favour With The Meeting Who Felt That East Pakistan Should Have An Independent Stock Exchange . It Was Suggested That Dhaka Narayanganj Chamber Of Commerce & Industry Should Approach Its Members For Parchase Of Membership Cards At RS.2000 Each For The Proposed Stock Exchange. The Location Of The Exchange It Was Thought Should Be Either Dhaka Narayanganj Or Chittagong . An Organizing Committee Was Appointed Consisting Of Leading Commercial And Industrial Personalities Of The Province With Mr. Mehdi Ispahani As The Convener In Order To Organize The Exchange. The Chamber Informed Its Members And Members Of Its Affiliated...
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...Chapter-5 Banking Sector Performance, Regulation and Bank Supervision 5.1 Industry statistics of the banking sector and the performance trends have been discussed in this chapter. The banking sector in Bangladesh comprises of four categories of scheduled banks. These are, nationalized commercial banks (NCBs), government owned development finance institutions (DFIs), private commercial banks (PCBs) and foreign commercial banks (FCBs). As of December 2004, total number of banks operating in Bangladesh remained unchanged at 49. These banks have a total number of 6,303 branches including 10 overseas branches. Structure of the banking sector with breakdown by type of banks is shown in Table 5.1. 5.3 Total deposits of the banks in 2004 rose to Taka 1,326.1 billion from Taka 1,140.3 billion in 2003 showing an overall increase by 16.3 percent. The NCBs' (comprising of 4 largest banks) share in deposits decreased from 46.0 percent in 2003 to 42.8 percent in 2004. On the other hand, PCBs' deposits in 2004 amounted to Taka 588.0 billion or 44.3 percent of the total industry deposit against Taka 468.2 billion or 41.1 percent in 2003. FCBs' deposits in 2004 rose by Taka 11.00 billion or 13.0 percent over the previous year. The DFIs' deposits in 2004 were Taka 75.1 billion against Taka 62.6 billion in 2003 showing an increase of 20.0 percent over the year. 5.2 In 2004, the nationalized commercial banks (NCBs) held 39.6 percent of the total industry assets...
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... Four years back Bangladesh Bank undertook a project to review the global best practices in the banking sector and examines in the possibility of introducing these in the banking industry of Bangladesh. Four ‘Focus Groups’ were formed with participation from Nationalized Commercial Banks, Private Commercial Banks & Foreign Banks with representatives from the Bangladesh Bank as team coordinators to look into the practices of the best performing banks both at home and abroad. These focus groups identified and selected five core risk areas and produced a document that would be a basic risk management model for each of the five 'core' risk areas of banking. The five core risk areas are as follows- a) Credit Risks; b) Asset & Liability / Balance Sheet Risks; c) Foreign Exchange Risks; d) Internal Control & Compliance Risks; and e) Money Laundering Risks. Bangladesh Bank in one of it’s circular (BRPD Circular no.17) advised the commercial banks of Bangladesh to put in place an effective credit approval and monitoring system by December, 2003 based on the guidelines sent to them. In my study, I would try to put forward my findings about the “Credit Management Policy of Bangladesh Bank, and its implementation”. To illustrate my point, I am giving the example of Bank Asia Limited. 2. Objectives of the study. Broad objective: ❖ The broad objective is to know the Credit Management Policy of Bangladesh Bank. ...
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...BSRM Group Over the Years 05 | Company Profile Corporate Information Board of Directors Management Committee Audit Committee Key Management Personnel and Advisors Auditors 06 | Financial Highlights-2009 07 | The Product and the Pride 08 | Chairman’s Message 09 | From the Desk of Managing Director 10 | Report of the Board of Directors 11 | Report of the Audit Committee 12 | Auditors’ Report & Audited Financial Statements Auditors’ Report Balance Sheet Profit & Loss Account Statement of Changes in Equity Cash Flow Statement Notes to the Accounts 13 | Photo Gallery 14 | Form of Proxy 15 | Attendance Slip 02 03 04-05 06 07 08 09 09 09 09 10 11 13-15 17-19 21-30 31 32 33 34 35 36 37-51 52-53 55 55 Transmittal Letter 02 BSRM Steels Ltd. | annual report 2010 Notice of the 8th Annual General Meeting Notice is hereby given that the 8th Annual General Meeting of BSRM Steels Limited will be held on Sunday, the 6th June 2010 at 10:30 AM at The Institution of Engineers, Bangladesh, S. S. Khaled Road, Chittagong to transact the following business: I. To receive, consider and adopt the Audited Financial Statements of the Company for the year ended on 31st December 2009 along with Report of the Directors and the Auditors thereon. II. To consider recommendation of the Board of Directors to declare Dividend for 2009. III. To elect Directors of the Company. IV. To appoint Auditors to hold the office until the next Annual General Meeting of the Company and to fix up their remuneration...
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...Glance 14 Major Launches during the Year 125 Secretarial Audit Report Chairman’s Message 16 Presence across Markets To ensure long-term competitiveness of Tata Motors, the company also took several steps under the Horizonext strategy. FINANCIAL STATEMENTS 18 The NEXT Level in Design 20 The NEXT Level in Driving Experiences 22 The NEXT Level in Fuel Economy 14 24 The NEXT Level in Connectivity 26 Corporate Social Responsibility at Tata Motors Standalone Financial Statements 126 Independent Auditors’ Report 130 Balance Sheet 131 Statement of Profit and Loss 132 Cash Flow Statement 134 Notes to Accounts 30 Awards and Accolades 32 Financial Performance Our products represent the Horizonext philosophy with best-in-class offerings. 170 Independent Auditors’ Report 36 Summarised Balance Sheet and Statement of Profit and Loss (Consolidated) Major Launches during the Year Consolidated Financial Statements 172 Balance Sheet 38 Summarised Balance Sheet and Statement of Profit and Loss (Standalone) 40 Funds Flow - Last Five Years 41 Financial Statistics 173 Statement of Profit and Loss 174 Cash Flow Statement 176 Notes to Accounts Subsidiary Companies 207 Financial Highlights 210 Listed Securities issued by Subsidiary Companies during FY 2013-14 30 ANNUAL GENERAL MEETING Date Thursday, July 31, 2014 Awards and Accolades Range Rover Sport won the SUV of the Year award by Top Gear magazine in the...
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...NEXT Level in Driving Experiences 22 The NEXT Level in Fuel Economy 24 The NEXT Level in Connectivity 26 Corporate Social Responsibility at Tata Motors 30 Awards and Accolades 32 Financial Performance 36 Summarised Balance Sheet and Statement of Profit and Loss (Consolidated) STATUTORY REPORTS 44 Notice 53 Directors’ Report 69 Management Discussion & Analysis 104 Corporate Governance 125 Secretarial Audit Report Chairman’s Message To ensure long-term competitiveness of Tata Motors, the company also took several steps under the Horizonext strategy. FINANCIAL STATEMENTS Standalone Financial Statements 126 Independent Auditors’ Report 130 Balance Sheet 131 Statement of Profit and Loss 132 Cash Flow Statement 134 Notes to Accounts Consolidated Financial Statements 170 Independent Auditors’ Report 172 Balance Sheet 173 Statement of Profit and Loss 174 Cash Flow Statement 176 Notes to Accounts Subsidiary Companies 207 Financial Highlights 210 Listed Securities issued by Subsidiary Companies during FY 2013-14 14 Major Launches during the Year Our products represent the Horizonext philosophy with best-in-class offerings. 38 Summarised Balance Sheet and Statement of Profit and Loss (Standalone) 40 Funds Flow - Last Five Years 41 Financial Statistics 30 ANNUAL GENERAL MEETING Date Awards and Accolades Range Rover Sport won the SUV of the Year award by Top Gear magazine in the UK, EVO in MENA, Car and Drive in China. Thursday, July 31, 2014 Time 3.00 p.m. Venue ...
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...Winners From Tata Motors Customer Satisfaction Green Mobility Human Resources Corporate Social Responsibility FINANCIAL HIGHLIGHTS (32-45) Pace in Performance Summarised Balance Sheet and Statement of Profit and Loss (Standalone & Consolidated) Fund Flow Statement Subsidiary Companies: Financial Highlights Financial Statistics STATUTORY REPORTS (46-122) Notice Directors’ Report Management Discussion and Analysis Report on Corporate Governance Awards and Achievements FINANCIALS Standalone Financials (123-168) Auditors’ Report Balance Sheet Profit and Loss Statement Cash Flow Statement Notes to Accounts Consolidated Financials (169-206) Auditors’ Report Balance Sheet Profit and Loss Statement Cash Flow Statement Notes to Accounts Attendance Slip and Proxy Form ANNUAL GENERAL MEETING Date: Friday, August 10, 2012 Time: 3.00 p.m. Venue: Birla Matushri Sabhagar, 19, Sir Vithaldas Thackersey Marg, Mumbai 400 020. 2 6 7 8 12 14 16 18 20 22 24 26 28 Tata Motors began operations in 1945. Since that time, we have remained committed to our values and our stakeholders. We have maintained a consistent focus on strengthening our organisation, and expanding our presence. Today, through our subsidiaries and associate companies, we already operate in the UK, South Korea, Thailand, Spain and South Africa. Our forays are spearheaded by consistent innovation to meet our customers’ needs. We are equally focused on green technologies to ensure sustainability. Despite economic crests and troughs, we...
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...Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended February 1, 2013 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to or Commission file number: 0-17017 Dell Inc. (Exact name of registrant as specified in its charter) Delaware 74-2487834 (State or other jurisdiction of (I.R.S. Employer Identification No.) incorporation or organization) One Dell Way, Round Rock, Texas 78682 (Address of principal executive offices) (Zip Code) Registrant’s telephone number, including area code: 1-800-289-3355 Securities registered pursuant to Section 12(b) of the Act: Title of each class Common Stock, par value $.01 per share Name of each exchange on which registered The NASDAQ Stock Market LLC (NASDAQ Global Select Market) Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o No R Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes o No R Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities...
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