Keeping things simple Annual report and financial statements 2010 Contents and introduction ConTenTs The DIreCTors’ reporT AnD busIness reVIeW 1 Highlights 2 Chairman’s statement 4 Strategic review 4 Business review 5 Market overview 6 Our strategy 8 Key Performance Indicators 10 Our business model 12 Risks and uncertainties 14 CSR/Today 16 Our people – Values in action 18 Performance review 18 Operating review 23 Financial review 26 Governance 26 Board of Directors 28 Corporate governance
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public funds and as the agent to the State Bank of Pakistan (in places where SBP does not have presence). It has diversified its business portfolio and is today a major lead player in the debt equity market, corporate investment banking, retail and consumer banking, agricultural financing, treasury services and is showing growing interest in promoting and developing the country's small and medium enterprises and at the same time fulfilling its social responsibilities, as a corporate citizen. In today's
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SCHEMES OF WORK – COMMERCE (GRADE TEN) SCHEMES OF WORK – COMMERCE (GRADE TEN) WEEKLY SCHEDULE(3 periods a week) | TOPICS AND CONTENT | LEARNING OBJECTIVES- Students will be able to: | TEACHINGSTRATEGIES | SUGGESTED ACTIVITIES | RESOURCES | ASSESSMENT | 1. Introduction to Commerce | | | | | | 1 | A) Organizational Structure of Commerce | 1. Define the terms within the organizational structure. 2. Draw up and complete the organizational structure of commerce. | Graphic OrganizerMnemonic
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chapter 1 introduction 1.1 overview of the industry Banking means accepting the deposits from the customers for lending to the needy and extending the other services as to issue of DD etc. Nowadays after introduction of private sector banks the banks have become a profit centre and the functions become changed and now banks are doing the insurance and mutual funds also. But nationalised banks are still service oriented in extending loans for Education loan, and rural development activities.
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civilizations. According to the Islamic Financial Services Board (IFSB), the Ar- Rahnu scheme can demonstrate its roles as a viable microcredit product of the financial institution in meeting the different customer requirements. Firstly, it represents a credit channel to those who want to use Ar-Rahnu scheme to obtain financial resources to meet their daily financial requirements; and secondly, it can be a credit channel to those who requires temporary working capital, particularly for small business
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Chapter-1 INTRODUCTION 1.1 Introduction The role of Small and Medium Enterprises (SMEs) loan is indispensable for overall economic development of a country particularly for developing countries like Bangladesh. Since this sector is labor intensive with short gestation period, it is capable of increasing national income as well as rapid employment generation; achieving Millennium Development Goals (MDGs) especially eradication of extreme poverty and hunger, gender equality and women empowerment
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Introduction 1. Preclude Credit is an arrangement whereby bank acting at the request and on the instructions of a customer or on its own behalf to make a payment to or to the order of a third party or is to accept and pay bills of exchange drawn by the beneficiary. In an economy banks play the role of an intermediary that channels resources from the surplus group to the deficit group. So obviously one of the core functions of Commercial banks is to sanction Credit facility to it’s customers as
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this quarter, and otherwise if you see year-on-year profit, it is much higher than what it was. We could make 22.3 per cent year-on-year from Rs. 907 crore last year to Rs. 1109 crore this year. Only on quarter-to-quarter, the profit has come down. Credit and deposit growth have been a bit sluggish, and consequently your loan-to-deposit ratio (LD ratio) has inched up. Any pressure you are facing on funding side? No. There is no pressure on us. We took a conscious decision of not accepting bulk
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BACKGROUND AND PROBLEM IDENTIFICATION Table 1. Grupo Bimbo History |2 |Bimbo was founded on 2 December 1945 with five shareholders. They are all Servitje’s family member. Bimbo | |December 1945 |started with only one brand, 38 workers, and 10 trucks to deliver the bread made in one plant in Mexico City. | | |The first product were white boxed bread and toasted white bread and incorporated more products into its product| |
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software, books, music, movies on the Internet. Products are purchased through the Internet by electronic payment system. People can purchase products by using credit or debit card. However, for several small value products such as, a song in iTunes music store only cost 0.99$ or a mobile game only cost 3.99$, it could be hard to using credit or debit cards to purchase those products because of the fixed minimum transaction could be cost too expensive for small transactions (Turban, King, Lee &
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