its markets and business. 1 4 6 7 8 9 chairman’s statement who we are what we make where we operate how we performed in 2011 business review 16 market review 20 operating review 26 financial review 34 key risks sustainability This section provides a review of our sustainability performance in 2011. It explains our approach to and progress in this area, and details our commitments, measures and targets going forward. 44 products 47 operations
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The Six Sigma Handbook Revised and Expanded A Complete Guide for Green Belts, Black Belts, and Managers at All Levels THOMAS PYZDEK McGraw-Hill New York Chicago San Francisco Lisbon London Madrid Mexico City Milan New Delhi San Juan Seoul Singapore Sydney Toronto Copyright © 2003 by The McGraw-HIll Companies, Inc. All rights reserved. Manufactured in the United States of America. Except as permitted under the United States Copyright Act of 1976, no part of this publication may be reproduced
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putting together in a highly consistent way all the knowledge available on what has become an essential facet of business development, namely Cooperative Strategy.’ Pierre Dussauge, Professor of Strategic Management, HEC – School of Management, Paris ‘I highly recommend this book for alliance scholars and practitioners. The breadth of coverage of the practical and theoretical literature on cooperative strategy is one of the book’s primary contributions. The authors demonstrate a comprehensive understanding
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QUALITY MANAGEMENT DEMYSTIFIED Demystified Series Advanced Statistics Demystified Algebra Demystified Anatomy Demystified asp.net Demystified Astronomy Demystified Biology Demystified Business Calculus Demystified Business Statistics Demystified C++ Demystified Calculus Demystified Chemistry Demystified College Algebra Demystified Data Structures Demystified Databases Demystified Differential Equations Demystified Digital Electronics Demystified Earth Science Demystified Electricity Demystified
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lo io yB io g oCSEC B Biologyy og Bi ol gy lo yB io g lo io og B ol Bi y Caribbean Examinations Council ® SYLLABUS SPECIMEN PAPER MARK SCHEME SUBJECT REPORTS Macmillan Education 4 Crinan Street, London, N1 9XW A division of Macmillan Publishers Limited Companies and representatives throughout the world www.macmillan-caribbean.com ISBN 978-0-230-48203-6 © Caribbean Examinations Council (CXC ®) 2015 AER www.cxc.org www.cxc-store.com The author has asserted their
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Now the perfect companion for anyone sitting the PMI’s PMBOK exams THE DEFINITIVE 2ND EDITION PROJECT MANAGEMENT THE FAST TRACK TO GETTING THE SEBASTIAN NOKES AND SEAN KELLY GUIDE TO JOB DONE ON TIME AND ON BUDGET the definitive guide to project management In an increasingly competitive world, we believe it’s quality of thinking that gives you the edge – an idea that opens new doors, a technique that solves a problem, or an insight that simply makes sense of it all. The more
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ANNUAL REPORT 2014 reimagining energy TM Our Business Liquefied Natural Gas (LNG) • Export Sector • Power Sector • Industrial Sector Regasification Terminal • Power Sector • •Power Sector Industrial Sector • Industrial Sector Natural Gas Liquefaction Peninsular Gas Utilisation (PGU) System • Residential and Commercial Sectors • Residential Sector • Commercial Sector Processed Gas Exploration, Development & Production Processing Liquefied
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co career options careeroptionsmagazine.com/MBA FALL 2013 Helping students find the MBA program and post-MBA career that is right for them. 11 Today’s MBA students come from all backgrounds 17 Networking 2.0: Social media strategies to make an impression 21 How to sell your MBA education to employers Invest in yourself: the business case for MBA studies With profiles of top Canadian business schools e Flip thne azi mag ore for m er Care ns! Optio
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CONTENTS Managing Director & CEO’s Letter to Shareholders Board of Directors Snap Shot of Key Financial Indicators : 2009-2013 Highlights Directors’ Report Management’s Discussion & Analysis Auditors’ Report Balance Sheet Profit and Loss Account Cash Flow Statement Schedules Forming Part of Balance Sheet Schedules Forming Part of Profit and Loss Account Significant Accounting Policies Notes to Accounts Auditors’ Certificate on Corporate Governance Corporate Governance Auditors’ Report on Consolidated
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Financial Statements Disclosures under the New Capital Adequacy Framework (Basel II Guidelines) Bank’s Network : List of Centres 3 4 5 6 7 17 31 32 33 34 36 42 43 51 86 87 109 110 151 169 1 MANAGING DIRECTOR & CEO’S LETTER TO THE SHAREHOLDERS I am delighted to report that your Bank has delivered another year of consistent growth in business volumes, revenues and profits during a period of slower GDP growth, tight liquidity and relatively high interest rates. The Bank has built its business
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