SlideShare a Scribd company logo
1 of 19
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Background ,[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],So what do SMEs want from their bank? ,[object Object],[object Object],[object Object]
[object Object],[object Object],But our bank was not fulfilling this need ,[object Object],[object Object]
Customer-Centricity and CRM … ,[object Object],[object Object],[object Object],[object Object]
Relationship Marketing ,[object Object],[object Object],[object Object]
Summarising the theory...
Industrial-level income stream analysis... STATISTICALLY SIGNIFICANT FINDINGS n =  1,355,663
Industrial-level product utilisation analysis... STATISTICALLY SIGNIFICANT FINDINGS n =  1,355,663
Top-level geographical economics...
How the customer wants to be served... STATISTICALLY SIGNIFICANT FINDINGS n =  2,273
Strategy integration...
Business cases for integrating the bank...
Execution ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Results: Up to a 1-in-2 hit rate
What management said... ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What about the SME customers? W hen asked what the bank  could do differently to make a real difference to them, the most frequently reported category by SMEs was that the bank should be more  proactive  about understanding their business and meeting their requirements  Expert Segment Customer Survey 2008  This project was a 100% proactive approach to servicing our customers with the benefit of deep industrial insight
What about the SME customers? Based on Martín-Consuegra, Molina and Esteban 2006 According to the RMs, our bank was now becoming increasingly “top of mind”
Delightful financial results... Incremental revenue practically doubled every month during the pilot project
Conclusion ,[object Object],[object Object],[object Object],[object Object],[object Object],Our interpretation of the theory was enriching in terms of the apparent alignment between theory and results

More Related Content

What's hot

Brochure MTGP HR
Brochure MTGP HRBrochure MTGP HR
Brochure MTGP HRJoshua Mann
 
The Brightstar B2B Program Overview 2011
The Brightstar B2B Program Overview 2011The Brightstar B2B Program Overview 2011
The Brightstar B2B Program Overview 2011Chris Coughlin
 
Convergys Analytics - Getting it Right with Speech
Convergys Analytics - Getting it Right with SpeechConvergys Analytics - Getting it Right with Speech
Convergys Analytics - Getting it Right with SpeechJackie Potts
 
Customer Experience Management - From indexes to action
Customer Experience Management - From indexes to actionCustomer Experience Management - From indexes to action
Customer Experience Management - From indexes to actionNEORIS
 
Digital Agency Account Management Overview
Digital Agency Account Management OverviewDigital Agency Account Management Overview
Digital Agency Account Management OverviewCandace Newton
 
Blue Ridge Partners and our TMT Practice
Blue Ridge Partners and our TMT PracticeBlue Ridge Partners and our TMT Practice
Blue Ridge Partners and our TMT PracticeCorey Torrence
 
Driving Key Account Growth: Planning and Execution to Access the White Space
Driving Key Account Growth: Planning and Execution to Access the White SpaceDriving Key Account Growth: Planning and Execution to Access the White Space
Driving Key Account Growth: Planning and Execution to Access the White SpaceRichardson
 
Sales Webinar | Maximize Revenue In Key Accounts
Sales Webinar | Maximize Revenue In Key AccountsSales Webinar | Maximize Revenue In Key Accounts
Sales Webinar | Maximize Revenue In Key AccountsAltify
 
Customer Success Plans - Value Realization Methodologies
Customer Success Plans - Value Realization MethodologiesCustomer Success Plans - Value Realization Methodologies
Customer Success Plans - Value Realization MethodologiesShawn Hank
 
Optimize customer contact - Sales Force and Billing/Payment Efficiency
Optimize customer contact - Sales Force and Billing/Payment EfficiencyOptimize customer contact - Sales Force and Billing/Payment Efficiency
Optimize customer contact - Sales Force and Billing/Payment EfficiencyWindowPayn Consulting
 
The Sales Hunter Key Account Selling Workbook 2011
The Sales Hunter Key Account Selling Workbook 2011The Sales Hunter Key Account Selling Workbook 2011
The Sales Hunter Key Account Selling Workbook 2011Mark Hunter
 
Sales White Paper: Maximizing Renewal Revenues
Sales White Paper: Maximizing Renewal RevenuesSales White Paper: Maximizing Renewal Revenues
Sales White Paper: Maximizing Renewal RevenuesAltify
 
Change Your Mindset: The Key to Growing Your Accounting Practice
Change Your Mindset: The Key to Growing Your Accounting PracticeChange Your Mindset: The Key to Growing Your Accounting Practice
Change Your Mindset: The Key to Growing Your Accounting PracticeAggregage
 
Client Experience for Professional Services - Keynote
Client Experience for Professional Services - KeynoteClient Experience for Professional Services - Keynote
Client Experience for Professional Services - KeynoteCX Pilots
 
Raymond Pell Resume
Raymond Pell ResumeRaymond Pell Resume
Raymond Pell ResumeRay Pell
 
Better Bidding for Facilities Management Contracts
Better Bidding for Facilities Management ContractsBetter Bidding for Facilities Management Contracts
Better Bidding for Facilities Management Contractschrisdpayne
 
Segmenting the SME & Commercial Customer Banking Market
Segmenting the SME & Commercial Customer Banking MarketSegmenting the SME & Commercial Customer Banking Market
Segmenting the SME & Commercial Customer Banking MarketMike Coates
 

What's hot (20)

Brochure MTGP HR
Brochure MTGP HRBrochure MTGP HR
Brochure MTGP HR
 
Brochure M&TGP HR
Brochure M&TGP HRBrochure M&TGP HR
Brochure M&TGP HR
 
Business Acumen
Business  AcumenBusiness  Acumen
Business Acumen
 
The Brightstar B2B Program Overview 2011
The Brightstar B2B Program Overview 2011The Brightstar B2B Program Overview 2011
The Brightstar B2B Program Overview 2011
 
Convergys Analytics - Getting it Right with Speech
Convergys Analytics - Getting it Right with SpeechConvergys Analytics - Getting it Right with Speech
Convergys Analytics - Getting it Right with Speech
 
Customer Experience Management - From indexes to action
Customer Experience Management - From indexes to actionCustomer Experience Management - From indexes to action
Customer Experience Management - From indexes to action
 
Digital Agency Account Management Overview
Digital Agency Account Management OverviewDigital Agency Account Management Overview
Digital Agency Account Management Overview
 
Blue Ridge Partners and our TMT Practice
Blue Ridge Partners and our TMT PracticeBlue Ridge Partners and our TMT Practice
Blue Ridge Partners and our TMT Practice
 
Driving Key Account Growth: Planning and Execution to Access the White Space
Driving Key Account Growth: Planning and Execution to Access the White SpaceDriving Key Account Growth: Planning and Execution to Access the White Space
Driving Key Account Growth: Planning and Execution to Access the White Space
 
Sales Webinar | Maximize Revenue In Key Accounts
Sales Webinar | Maximize Revenue In Key AccountsSales Webinar | Maximize Revenue In Key Accounts
Sales Webinar | Maximize Revenue In Key Accounts
 
Customer Success Plans - Value Realization Methodologies
Customer Success Plans - Value Realization MethodologiesCustomer Success Plans - Value Realization Methodologies
Customer Success Plans - Value Realization Methodologies
 
Optimize customer contact - Sales Force and Billing/Payment Efficiency
Optimize customer contact - Sales Force and Billing/Payment EfficiencyOptimize customer contact - Sales Force and Billing/Payment Efficiency
Optimize customer contact - Sales Force and Billing/Payment Efficiency
 
The Sales Hunter Key Account Selling Workbook 2011
The Sales Hunter Key Account Selling Workbook 2011The Sales Hunter Key Account Selling Workbook 2011
The Sales Hunter Key Account Selling Workbook 2011
 
Reduce receivables 2013
Reduce receivables 2013Reduce receivables 2013
Reduce receivables 2013
 
Sales White Paper: Maximizing Renewal Revenues
Sales White Paper: Maximizing Renewal RevenuesSales White Paper: Maximizing Renewal Revenues
Sales White Paper: Maximizing Renewal Revenues
 
Change Your Mindset: The Key to Growing Your Accounting Practice
Change Your Mindset: The Key to Growing Your Accounting PracticeChange Your Mindset: The Key to Growing Your Accounting Practice
Change Your Mindset: The Key to Growing Your Accounting Practice
 
Client Experience for Professional Services - Keynote
Client Experience for Professional Services - KeynoteClient Experience for Professional Services - Keynote
Client Experience for Professional Services - Keynote
 
Raymond Pell Resume
Raymond Pell ResumeRaymond Pell Resume
Raymond Pell Resume
 
Better Bidding for Facilities Management Contracts
Better Bidding for Facilities Management ContractsBetter Bidding for Facilities Management Contracts
Better Bidding for Facilities Management Contracts
 
Segmenting the SME & Commercial Customer Banking Market
Segmenting the SME & Commercial Customer Banking MarketSegmenting the SME & Commercial Customer Banking Market
Segmenting the SME & Commercial Customer Banking Market
 

Similar to The relationship marketing advantage, ICSB Halifax, Canada, 2008

2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey
2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey
2007 KPMG Nigeria Banking Industry Customer Satisfaction Surveyadriancook
 
Report_Intern_210.docx
Report_Intern_210.docxReport_Intern_210.docx
Report_Intern_210.docxBandiYashwant
 
TeXchange presents The Playbook for Success
TeXchange presents The Playbook for SuccessTeXchange presents The Playbook for Success
TeXchange presents The Playbook for SuccessCharles Bedard
 
Professional Services Survey
Professional Services SurveyProfessional Services Survey
Professional Services SurveyCILIP
 
Top 10 Marketing Tricks for the Banking Industry
Top 10 Marketing Tricks for the Banking IndustryTop 10 Marketing Tricks for the Banking Industry
Top 10 Marketing Tricks for the Banking IndustryPrototype Interactive
 
Mc Donald Butler Overview
Mc Donald Butler OverviewMc Donald Butler Overview
Mc Donald Butler Overviewlouisefrosell
 
Strategic Planning for Financial Services
Strategic Planning for Financial ServicesStrategic Planning for Financial Services
Strategic Planning for Financial ServicesJenny Cavnar
 
Eservizi corporate prsentation Xerox
Eservizi corporate prsentation XeroxEservizi corporate prsentation Xerox
Eservizi corporate prsentation XeroxTania Niкolova
 
PrecisionLender Webinar - 7 Habits of High-Performing Relationship Managers
PrecisionLender Webinar - 7 Habits of High-Performing Relationship ManagersPrecisionLender Webinar - 7 Habits of High-Performing Relationship Managers
PrecisionLender Webinar - 7 Habits of High-Performing Relationship ManagersPrecisionLender
 
FIS Small Business Webinar October 12 2016
FIS Small Business Webinar October 12 2016FIS Small Business Webinar October 12 2016
FIS Small Business Webinar October 12 2016Chris Wallner
 
The Talent Measurement Effect
The Talent Measurement EffectThe Talent Measurement Effect
The Talent Measurement EffectMarie Jílková
 
DHG Financial Services Strategic Planning and Cybersecurity Presentation
DHG Financial Services Strategic Planning and Cybersecurity PresentationDHG Financial Services Strategic Planning and Cybersecurity Presentation
DHG Financial Services Strategic Planning and Cybersecurity PresentationJenny Cavnar
 
Decoding The Chief Customer Officer: How forward thinking retailers are evolving
Decoding The Chief Customer Officer: How forward thinking retailers are evolvingDecoding The Chief Customer Officer: How forward thinking retailers are evolving
Decoding The Chief Customer Officer: How forward thinking retailers are evolvingFran Sykes
 
Business Intelligence (BI) for Recession on Digit Channel Connect
Business Intelligence (BI) for Recession on Digit Channel ConnectBusiness Intelligence (BI) for Recession on Digit Channel Connect
Business Intelligence (BI) for Recession on Digit Channel ConnectDhiren Gala
 
Managed Services is not a product, it's a business model!
Managed Services is not a product, it's a business model!Managed Services is not a product, it's a business model!
Managed Services is not a product, it's a business model!Stuart Selbst Consulting
 
Part 1 how to be a hero to your bank’s commercial clients
Part 1 how to be a hero to your bank’s commercial clientsPart 1 how to be a hero to your bank’s commercial clients
Part 1 how to be a hero to your bank’s commercial clientsFinancial Publishing Services
 
Shannon Balliet2011
Shannon Balliet2011Shannon Balliet2011
Shannon Balliet2011saballiet
 
The Road to Digital Maturity for Investment Managers
The Road to Digital Maturity for Investment ManagersThe Road to Digital Maturity for Investment Managers
The Road to Digital Maturity for Investment ManagersKurtosys Systems
 

Similar to The relationship marketing advantage, ICSB Halifax, Canada, 2008 (20)

2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey
2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey
2007 KPMG Nigeria Banking Industry Customer Satisfaction Survey
 
Report_Intern_210.docx
Report_Intern_210.docxReport_Intern_210.docx
Report_Intern_210.docx
 
Reaptransform
ReaptransformReaptransform
Reaptransform
 
TeXchange presents The Playbook for Success
TeXchange presents The Playbook for SuccessTeXchange presents The Playbook for Success
TeXchange presents The Playbook for Success
 
Professional Services Survey
Professional Services SurveyProfessional Services Survey
Professional Services Survey
 
Top 10 Marketing Tricks for the Banking Industry
Top 10 Marketing Tricks for the Banking IndustryTop 10 Marketing Tricks for the Banking Industry
Top 10 Marketing Tricks for the Banking Industry
 
Mc Donald Butler Overview
Mc Donald Butler OverviewMc Donald Butler Overview
Mc Donald Butler Overview
 
Strategic Planning for Financial Services
Strategic Planning for Financial ServicesStrategic Planning for Financial Services
Strategic Planning for Financial Services
 
Eservizi corporate prsentation Xerox
Eservizi corporate prsentation XeroxEservizi corporate prsentation Xerox
Eservizi corporate prsentation Xerox
 
PrecisionLender Webinar - 7 Habits of High-Performing Relationship Managers
PrecisionLender Webinar - 7 Habits of High-Performing Relationship ManagersPrecisionLender Webinar - 7 Habits of High-Performing Relationship Managers
PrecisionLender Webinar - 7 Habits of High-Performing Relationship Managers
 
FIS Small Business Webinar October 12 2016
FIS Small Business Webinar October 12 2016FIS Small Business Webinar October 12 2016
FIS Small Business Webinar October 12 2016
 
The Talent Measurement Effect
The Talent Measurement EffectThe Talent Measurement Effect
The Talent Measurement Effect
 
DHG Financial Services Strategic Planning and Cybersecurity Presentation
DHG Financial Services Strategic Planning and Cybersecurity PresentationDHG Financial Services Strategic Planning and Cybersecurity Presentation
DHG Financial Services Strategic Planning and Cybersecurity Presentation
 
Decoding The Chief Customer Officer: How forward thinking retailers are evolving
Decoding The Chief Customer Officer: How forward thinking retailers are evolvingDecoding The Chief Customer Officer: How forward thinking retailers are evolving
Decoding The Chief Customer Officer: How forward thinking retailers are evolving
 
FMCG Case
FMCG CaseFMCG Case
FMCG Case
 
Business Intelligence (BI) for Recession on Digit Channel Connect
Business Intelligence (BI) for Recession on Digit Channel ConnectBusiness Intelligence (BI) for Recession on Digit Channel Connect
Business Intelligence (BI) for Recession on Digit Channel Connect
 
Managed Services is not a product, it's a business model!
Managed Services is not a product, it's a business model!Managed Services is not a product, it's a business model!
Managed Services is not a product, it's a business model!
 
Part 1 how to be a hero to your bank’s commercial clients
Part 1 how to be a hero to your bank’s commercial clientsPart 1 how to be a hero to your bank’s commercial clients
Part 1 how to be a hero to your bank’s commercial clients
 
Shannon Balliet2011
Shannon Balliet2011Shannon Balliet2011
Shannon Balliet2011
 
The Road to Digital Maturity for Investment Managers
The Road to Digital Maturity for Investment ManagersThe Road to Digital Maturity for Investment Managers
The Road to Digital Maturity for Investment Managers
 

More from Guy Pearce

Governance: The key to effecting successful Digital Transformation
Governance: The key to effecting successful Digital TransformationGovernance: The key to effecting successful Digital Transformation
Governance: The key to effecting successful Digital TransformationGuy Pearce
 
Closing the gap between innovation intent and reality (corporate governance)
Closing the gap between innovation intent and reality (corporate governance)Closing the gap between innovation intent and reality (corporate governance)
Closing the gap between innovation intent and reality (corporate governance)Guy Pearce
 
Boosting Cybersecurity with Data Governance (peer reviewed)
Boosting Cybersecurity with Data Governance (peer reviewed)Boosting Cybersecurity with Data Governance (peer reviewed)
Boosting Cybersecurity with Data Governance (peer reviewed)Guy Pearce
 
Cybersecurity: Whose job is it anyway?
Cybersecurity: Whose job is it anyway?Cybersecurity: Whose job is it anyway?
Cybersecurity: Whose job is it anyway?Guy Pearce
 
Leading enterprise-scale big data business outcomes
Leading enterprise-scale big data business outcomesLeading enterprise-scale big data business outcomes
Leading enterprise-scale big data business outcomesGuy Pearce
 
Big data governance as a corporate governance imperative
Big data governance as a corporate governance imperativeBig data governance as a corporate governance imperative
Big data governance as a corporate governance imperativeGuy Pearce
 
Creating $100 million from Big Data Analytics in Banking
Creating $100 million from Big Data Analytics in BankingCreating $100 million from Big Data Analytics in Banking
Creating $100 million from Big Data Analytics in BankingGuy Pearce
 
Branding In Banking And Finance 2011
Branding In Banking And Finance 2011Branding In Banking And Finance 2011
Branding In Banking And Finance 2011Guy Pearce
 
African Retail Banking Opportunities In The Brics And (1)
African Retail Banking Opportunities In The Brics And (1)African Retail Banking Opportunities In The Brics And (1)
African Retail Banking Opportunities In The Brics And (1)Guy Pearce
 
Marketing Science Conference on the SME use of banking products, Vancouver 2008
Marketing Science Conference on the SME use of banking products, Vancouver 2008 Marketing Science Conference on the SME use of banking products, Vancouver 2008
Marketing Science Conference on the SME use of banking products, Vancouver 2008 Guy Pearce
 
Academy of Marketing International Conference On Brand Management, Birmingham...
Academy of Marketing International Conference On Brand Management, Birmingham...Academy of Marketing International Conference On Brand Management, Birmingham...
Academy of Marketing International Conference On Brand Management, Birmingham...Guy Pearce
 
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...Guy Pearce
 

More from Guy Pearce (12)

Governance: The key to effecting successful Digital Transformation
Governance: The key to effecting successful Digital TransformationGovernance: The key to effecting successful Digital Transformation
Governance: The key to effecting successful Digital Transformation
 
Closing the gap between innovation intent and reality (corporate governance)
Closing the gap between innovation intent and reality (corporate governance)Closing the gap between innovation intent and reality (corporate governance)
Closing the gap between innovation intent and reality (corporate governance)
 
Boosting Cybersecurity with Data Governance (peer reviewed)
Boosting Cybersecurity with Data Governance (peer reviewed)Boosting Cybersecurity with Data Governance (peer reviewed)
Boosting Cybersecurity with Data Governance (peer reviewed)
 
Cybersecurity: Whose job is it anyway?
Cybersecurity: Whose job is it anyway?Cybersecurity: Whose job is it anyway?
Cybersecurity: Whose job is it anyway?
 
Leading enterprise-scale big data business outcomes
Leading enterprise-scale big data business outcomesLeading enterprise-scale big data business outcomes
Leading enterprise-scale big data business outcomes
 
Big data governance as a corporate governance imperative
Big data governance as a corporate governance imperativeBig data governance as a corporate governance imperative
Big data governance as a corporate governance imperative
 
Creating $100 million from Big Data Analytics in Banking
Creating $100 million from Big Data Analytics in BankingCreating $100 million from Big Data Analytics in Banking
Creating $100 million from Big Data Analytics in Banking
 
Branding In Banking And Finance 2011
Branding In Banking And Finance 2011Branding In Banking And Finance 2011
Branding In Banking And Finance 2011
 
African Retail Banking Opportunities In The Brics And (1)
African Retail Banking Opportunities In The Brics And (1)African Retail Banking Opportunities In The Brics And (1)
African Retail Banking Opportunities In The Brics And (1)
 
Marketing Science Conference on the SME use of banking products, Vancouver 2008
Marketing Science Conference on the SME use of banking products, Vancouver 2008 Marketing Science Conference on the SME use of banking products, Vancouver 2008
Marketing Science Conference on the SME use of banking products, Vancouver 2008
 
Academy of Marketing International Conference On Brand Management, Birmingham...
Academy of Marketing International Conference On Brand Management, Birmingham...Academy of Marketing International Conference On Brand Management, Birmingham...
Academy of Marketing International Conference On Brand Management, Birmingham...
 
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...
Emerging Market SME Turnaround in a Recession: Theory and Practice. Cincinnat...
 

Recently uploaded

Call Girls Pune Just Call 9907093804 Top Class Call Girl Service Available
Call Girls Pune Just Call 9907093804 Top Class Call Girl Service AvailableCall Girls Pune Just Call 9907093804 Top Class Call Girl Service Available
Call Girls Pune Just Call 9907093804 Top Class Call Girl Service AvailableDipal Arora
 
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature Set
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature SetCreating Low-Code Loan Applications using the Trisotech Mortgage Feature Set
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature SetDenis Gagné
 
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...lizamodels9
 
Progress Report - Oracle Database Analyst Summit
Progress  Report - Oracle Database Analyst SummitProgress  Report - Oracle Database Analyst Summit
Progress Report - Oracle Database Analyst SummitHolger Mueller
 
Call Girls In Panjim North Goa 9971646499 Genuine Service
Call Girls In Panjim North Goa 9971646499 Genuine ServiceCall Girls In Panjim North Goa 9971646499 Genuine Service
Call Girls In Panjim North Goa 9971646499 Genuine Serviceritikaroy0888
 
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...Aggregage
 
VIP Call Girls In Saharaganj ( Lucknow ) 🔝 8923113531 🔝 Cash Payment (COD) 👒
VIP Call Girls In Saharaganj ( Lucknow  ) 🔝 8923113531 🔝  Cash Payment (COD) 👒VIP Call Girls In Saharaganj ( Lucknow  ) 🔝 8923113531 🔝  Cash Payment (COD) 👒
VIP Call Girls In Saharaganj ( Lucknow ) 🔝 8923113531 🔝 Cash Payment (COD) 👒anilsa9823
 
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 DelhiCall Girls in Delhi
 
Boost the utilization of your HCL environment by reevaluating use cases and f...
Boost the utilization of your HCL environment by reevaluating use cases and f...Boost the utilization of your HCL environment by reevaluating use cases and f...
Boost the utilization of your HCL environment by reevaluating use cases and f...Roland Driesen
 
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876dlhescort
 
Best Basmati Rice Manufacturers in India
Best Basmati Rice Manufacturers in IndiaBest Basmati Rice Manufacturers in India
Best Basmati Rice Manufacturers in IndiaShree Krishna Exports
 
Regression analysis: Simple Linear Regression Multiple Linear Regression
Regression analysis:  Simple Linear Regression Multiple Linear RegressionRegression analysis:  Simple Linear Regression Multiple Linear Regression
Regression analysis: Simple Linear Regression Multiple Linear RegressionRavindra Nath Shukla
 
A305_A2_file_Batkhuu progress report.pdf
A305_A2_file_Batkhuu progress report.pdfA305_A2_file_Batkhuu progress report.pdf
A305_A2_file_Batkhuu progress report.pdftbatkhuu1
 
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptxB.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptxpriyanshujha201
 
Mondelez State of Snacking and Future Trends 2023
Mondelez State of Snacking and Future Trends 2023Mondelez State of Snacking and Future Trends 2023
Mondelez State of Snacking and Future Trends 2023Neil Kimberley
 
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...Any kyc Account
 
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...anilsa9823
 
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...amitlee9823
 
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRLMONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRLSeo
 

Recently uploaded (20)

Call Girls Pune Just Call 9907093804 Top Class Call Girl Service Available
Call Girls Pune Just Call 9907093804 Top Class Call Girl Service AvailableCall Girls Pune Just Call 9907093804 Top Class Call Girl Service Available
Call Girls Pune Just Call 9907093804 Top Class Call Girl Service Available
 
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature Set
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature SetCreating Low-Code Loan Applications using the Trisotech Mortgage Feature Set
Creating Low-Code Loan Applications using the Trisotech Mortgage Feature Set
 
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...
Call Girls In Holiday Inn Express Gurugram➥99902@11544 ( Best price)100% Genu...
 
Progress Report - Oracle Database Analyst Summit
Progress  Report - Oracle Database Analyst SummitProgress  Report - Oracle Database Analyst Summit
Progress Report - Oracle Database Analyst Summit
 
Call Girls In Panjim North Goa 9971646499 Genuine Service
Call Girls In Panjim North Goa 9971646499 Genuine ServiceCall Girls In Panjim North Goa 9971646499 Genuine Service
Call Girls In Panjim North Goa 9971646499 Genuine Service
 
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
 
VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...
VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...
VVVIP Call Girls In Greater Kailash ➡️ Delhi ➡️ 9999965857 🚀 No Advance 24HRS...
 
VIP Call Girls In Saharaganj ( Lucknow ) 🔝 8923113531 🔝 Cash Payment (COD) 👒
VIP Call Girls In Saharaganj ( Lucknow  ) 🔝 8923113531 🔝  Cash Payment (COD) 👒VIP Call Girls In Saharaganj ( Lucknow  ) 🔝 8923113531 🔝  Cash Payment (COD) 👒
VIP Call Girls In Saharaganj ( Lucknow ) 🔝 8923113531 🔝 Cash Payment (COD) 👒
 
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi
9599632723 Top Call Girls in Delhi at your Door Step Available 24x7 Delhi
 
Boost the utilization of your HCL environment by reevaluating use cases and f...
Boost the utilization of your HCL environment by reevaluating use cases and f...Boost the utilization of your HCL environment by reevaluating use cases and f...
Boost the utilization of your HCL environment by reevaluating use cases and f...
 
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876
Call Girls in Delhi, Escort Service Available 24x7 in Delhi 959961-/-3876
 
Best Basmati Rice Manufacturers in India
Best Basmati Rice Manufacturers in IndiaBest Basmati Rice Manufacturers in India
Best Basmati Rice Manufacturers in India
 
Regression analysis: Simple Linear Regression Multiple Linear Regression
Regression analysis:  Simple Linear Regression Multiple Linear RegressionRegression analysis:  Simple Linear Regression Multiple Linear Regression
Regression analysis: Simple Linear Regression Multiple Linear Regression
 
A305_A2_file_Batkhuu progress report.pdf
A305_A2_file_Batkhuu progress report.pdfA305_A2_file_Batkhuu progress report.pdf
A305_A2_file_Batkhuu progress report.pdf
 
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptxB.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
 
Mondelez State of Snacking and Future Trends 2023
Mondelez State of Snacking and Future Trends 2023Mondelez State of Snacking and Future Trends 2023
Mondelez State of Snacking and Future Trends 2023
 
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...
KYC-Verified Accounts: Helping Companies Handle Challenging Regulatory Enviro...
 
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...
Lucknow 💋 Escorts in Lucknow - 450+ Call Girl Cash Payment 8923113531 Neha Th...
 
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...
Call Girls Jp Nagar Just Call 👗 7737669865 👗 Top Class Call Girl Service Bang...
 
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRLMONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL
MONA 98765-12871 CALL GIRLS IN LUDHIANA LUDHIANA CALL GIRL
 

The relationship marketing advantage, ICSB Halifax, Canada, 2008