Alexis Lozano fundó la Orquesta Guayacán después de separarse de Varela. La Orquesta Guayacán hizo su debut discográfico en 1985 con el álbum "Llegó la hora de la verdad" y tuvo éxitos como "Te amo, te extraño" y "Cada día que pasa". En 2011, el ex cantante Jairo Ruiz se suicidó después de la muerte de su madre. Actualmente la Orquesta Guayacán sigue existiendo pero ya no es tan popular como en los años 80.
El documento presenta un calendario con la agenda del mes de febrero de 2012. Dividido en semanas, muestra los días de la semana y las fechas de cada mes, con el objetivo de planificar las actividades a realizar.
El documento resume los elementos clave de un contrato de trabajo, incluyendo el vínculo entre el empleador y el empleado a través de la oferta y aceptación del trabajo, el objeto que es la actividad laboral acordada, y la forma en que se manifiesta el consentimiento de las partes. También enfatiza la importancia de especificar cuidadosamente los detalles del puesto de trabajo en el contrato para evitar malentendidos futuros y motivar a los empleados.
El documento habla sobre el contrato de trabajo y sus componentes, importancia y ventajas y desventajas. Explica que el contrato de trabajo es un acuerdo entre el trabajador y el empleador donde el trabajador se compromete a trabajar a cambio de una remuneración. Sus componentes como el objeto y la forma son esenciales para la validez del contrato. El mantener una relación contractual es importante ya que define los beneficios de ambas partes y evita incumplimientos. Las ventajas incluyen obligaciones claras para el trabaj
Stanley was excited about the possibility of meeting his hero Sweet Feet who was going to be there. As Stanley tried to turn in his cot, he was afraid that it would suddenly fall down or fall in under his weight.
This document outlines various camera shots and angles used in filmmaking including extreme long shots, long shots, medium long shots, mid shots, medium close ups, close ups, extreme close ups as well as high, low and canted angle shots. It also mentions tracking, dolly, crabbing and crane camera movements and describes low angle, high angle, dutch tilt and slanted angle shots.
Alexis Lozano fundó la Orquesta Guayacán después de separarse de Varela. La Orquesta Guayacán hizo su debut discográfico en 1985 con el álbum "Llegó la hora de la verdad" y tuvo éxitos como "Te amo, te extraño" y "Cada día que pasa". En 2011, el ex cantante Jairo Ruiz se suicidó después de la muerte de su madre. Actualmente la Orquesta Guayacán sigue existiendo pero ya no es tan popular como en los años 80.
El documento presenta un calendario con la agenda del mes de febrero de 2012. Dividido en semanas, muestra los días de la semana y las fechas de cada mes, con el objetivo de planificar las actividades a realizar.
El documento resume los elementos clave de un contrato de trabajo, incluyendo el vínculo entre el empleador y el empleado a través de la oferta y aceptación del trabajo, el objeto que es la actividad laboral acordada, y la forma en que se manifiesta el consentimiento de las partes. También enfatiza la importancia de especificar cuidadosamente los detalles del puesto de trabajo en el contrato para evitar malentendidos futuros y motivar a los empleados.
El documento habla sobre el contrato de trabajo y sus componentes, importancia y ventajas y desventajas. Explica que el contrato de trabajo es un acuerdo entre el trabajador y el empleador donde el trabajador se compromete a trabajar a cambio de una remuneración. Sus componentes como el objeto y la forma son esenciales para la validez del contrato. El mantener una relación contractual es importante ya que define los beneficios de ambas partes y evita incumplimientos. Las ventajas incluyen obligaciones claras para el trabaj
Stanley was excited about the possibility of meeting his hero Sweet Feet who was going to be there. As Stanley tried to turn in his cot, he was afraid that it would suddenly fall down or fall in under his weight.
This document outlines various camera shots and angles used in filmmaking including extreme long shots, long shots, medium long shots, mid shots, medium close ups, close ups, extreme close ups as well as high, low and canted angle shots. It also mentions tracking, dolly, crabbing and crane camera movements and describes low angle, high angle, dutch tilt and slanted angle shots.
This document provides tips for gaining more "Likers" and followers on social media for a Rotary club page. It recommends engaging with others on social media by liking and commenting on related pages, interacting with other Rotary groups, and sharing Rotary-related posts and discussions on personal social media profiles to generate interest in one's club page. It also stresses the importance of posting engaging updates regularly to one's own club page without over-spamming others.
Este documento describe los factores internos y externos que influyen en la administración de una organización. Internamente, la producción, los proveedores, los clientes y los competidores afectan la gestión. Externamente, los factores económicos, tecnológicos, sociales, políticos y éticos interactúan con la administración, así como las expectativas del gobierno y los grupos de presión.
O documento anuncia o Festival do Secundário, que ocorrerá entre 1-5 de abril de 2012 em Gouveia e inclui workshops, torneios esportivos, atividades ao ar livre e shows à noite. As inscrições são mais baratas para grupos de 10 ou mais pessoas e devem ser enviadas para a Animadora Forum até 20 de fevereiro de 2012.
La educación en Finlandia se caracteriza por la autonomía de las escuelas, la participación de los estudiantes en la planificación educativa, y el uso de tecnología en el aula. La educación es gratuita y de alta calidad para todos. Los profesores son muy respetados y deben completar varios años de educación superior. En contraste, la educación en Ecuador enfrenta desafíos como la matrícula obligatoria, la falta de recursos que impide que los niños pobres asistan a la escuela, y la falta de remuneración y resp
O documento descreve os papéis fundamentais do tutor no e-learning, incluindo facilitar a aprendizagem individual e de grupo, dinamizar o intercâmbio e integração de conhecimento, e ter responsabilidades como fomentar participação, interação aluno-professor, dar informação e guiar os alunos.
The teacher provided feedback to students after teaching a lesson on personal space that did not go as planned due to technical issues. About half the class understood the concepts of "arm's length" and giving others space, while others struggled. Formative assessments showed some students understood "arm's length" but others missed steps. The teacher reflected that adaptations were needed for students with different abilities. They learned to have backup plans and consider the classroom layout before improvising. Future goals are to arrange the room efficiently and create smooth transitions between activities.
O documento apresenta o perfil do economista Sergio Besserman, que está encarregado de organizar a conferência da ONU Rio+20 no Rio de Janeiro. Ele é um "comunista verde" que trabalhou na Rio-92 e agora lidera um grande grupo para preparar a conferência sobre desenvolvimento sustentável que pode receber até 50 mil participantes. A conferência será realizada em diferentes locais da cidade e espera produzir resultados significativos, apesar das dificuldades em replicar o sucesso da Rio-92.
6th Western Borrowers N Investors Mezz Loans And Distress Debt 26 March09spodvin
The document is an agenda for the "Western Borrowers & Investors Forum on Real Estate Mezzanine Loans & Distressed Real Estate Debt" event on April 27-28, 2009. It outlines several panel discussions that will take place, including ones on scrutinizing government bailout programs and their impact on real estate mezzanine financing, the dire global economic outlook, and nationalizing banking systems. The moderator and panelists are also listed.
How Identity Platforms will change Future Business Models. Business Models will be centered around Individuals and their identity and what they can contribute to an individual. Many Business Models will change around that.
An analysis of the challenges faced by banks in managing credit in zimbabweAlexander Decker
This document analyzes the challenges faced by banks in managing credit in Zimbabwe after the introduction of a multicurrency system in 2009. It discusses how the multicurrency regime has limited the central bank's ability to inject liquidity into banks. The study examines banks' loan-to-deposit ratios and levels of non-performing loans. Through a survey of banks, the study finds that low lending levels and increasing non-performing loans pose credit risks for banks. Statistical analysis supports the hypothesis that higher lending exposes banks to greater risk of non-performing loans. The challenges of credit management in Zimbabwe's unstable economic environment are also discussed.
The document discusses the role of public investment banks through examples of banks that existed in Greece and current public investment banks in Europe. It provides details on the Hellenic Industrial Development Bank and the National Bank for Investment and Industrial Development that previously operated in Greece, including their financing structures and activities. It also examines the Nordic Investment Bank, European Investment Bank, KfW Bank, and Türk Eximbank as examples of currently operating public investment banks in Europe and discusses their governance structures. The document argues that establishing a new Greek public investment bank could help finance infrastructure, SMEs, and other projects to support Greece's economic recovery.
My presentation at the University of Sterling (MSc Banking and Finance) on the current state, the considerations and the future prospects of the Euroarea Banking Union.
Draghi failed to deliver concrete actions to back up his promises from last week to do "whatever it takes" to support the euro at the ECB's monthly policy meeting. Signs of stress are emerging in Germany's economy as manufacturing declines, and public support may fall further if a second recession hits. Spain is expected to request another bailout just one month after its last one as banking reforms have failed and it relies on volatile external investors to finance its debt, with €385 billion in borrowing needed by 2014. The ECB also shot itself in the foot by purchasing Greek bonds last year under a now-defunct program, reducing the impact of any promises Draghi makes going forward.
Perspective: The rise and rise of emerging market banksInfosys Finacle
www.infosys.com/finacle
The emerging market banks which were plagued by excess regulation and inefficiency a few decades back have finally come into their own and are here to stay.
This document provides tips for gaining more "Likers" and followers on social media for a Rotary club page. It recommends engaging with others on social media by liking and commenting on related pages, interacting with other Rotary groups, and sharing Rotary-related posts and discussions on personal social media profiles to generate interest in one's club page. It also stresses the importance of posting engaging updates regularly to one's own club page without over-spamming others.
Este documento describe los factores internos y externos que influyen en la administración de una organización. Internamente, la producción, los proveedores, los clientes y los competidores afectan la gestión. Externamente, los factores económicos, tecnológicos, sociales, políticos y éticos interactúan con la administración, así como las expectativas del gobierno y los grupos de presión.
O documento anuncia o Festival do Secundário, que ocorrerá entre 1-5 de abril de 2012 em Gouveia e inclui workshops, torneios esportivos, atividades ao ar livre e shows à noite. As inscrições são mais baratas para grupos de 10 ou mais pessoas e devem ser enviadas para a Animadora Forum até 20 de fevereiro de 2012.
La educación en Finlandia se caracteriza por la autonomía de las escuelas, la participación de los estudiantes en la planificación educativa, y el uso de tecnología en el aula. La educación es gratuita y de alta calidad para todos. Los profesores son muy respetados y deben completar varios años de educación superior. En contraste, la educación en Ecuador enfrenta desafíos como la matrícula obligatoria, la falta de recursos que impide que los niños pobres asistan a la escuela, y la falta de remuneración y resp
O documento descreve os papéis fundamentais do tutor no e-learning, incluindo facilitar a aprendizagem individual e de grupo, dinamizar o intercâmbio e integração de conhecimento, e ter responsabilidades como fomentar participação, interação aluno-professor, dar informação e guiar os alunos.
The teacher provided feedback to students after teaching a lesson on personal space that did not go as planned due to technical issues. About half the class understood the concepts of "arm's length" and giving others space, while others struggled. Formative assessments showed some students understood "arm's length" but others missed steps. The teacher reflected that adaptations were needed for students with different abilities. They learned to have backup plans and consider the classroom layout before improvising. Future goals are to arrange the room efficiently and create smooth transitions between activities.
O documento apresenta o perfil do economista Sergio Besserman, que está encarregado de organizar a conferência da ONU Rio+20 no Rio de Janeiro. Ele é um "comunista verde" que trabalhou na Rio-92 e agora lidera um grande grupo para preparar a conferência sobre desenvolvimento sustentável que pode receber até 50 mil participantes. A conferência será realizada em diferentes locais da cidade e espera produzir resultados significativos, apesar das dificuldades em replicar o sucesso da Rio-92.
6th Western Borrowers N Investors Mezz Loans And Distress Debt 26 March09spodvin
The document is an agenda for the "Western Borrowers & Investors Forum on Real Estate Mezzanine Loans & Distressed Real Estate Debt" event on April 27-28, 2009. It outlines several panel discussions that will take place, including ones on scrutinizing government bailout programs and their impact on real estate mezzanine financing, the dire global economic outlook, and nationalizing banking systems. The moderator and panelists are also listed.
How Identity Platforms will change Future Business Models. Business Models will be centered around Individuals and their identity and what they can contribute to an individual. Many Business Models will change around that.
An analysis of the challenges faced by banks in managing credit in zimbabweAlexander Decker
This document analyzes the challenges faced by banks in managing credit in Zimbabwe after the introduction of a multicurrency system in 2009. It discusses how the multicurrency regime has limited the central bank's ability to inject liquidity into banks. The study examines banks' loan-to-deposit ratios and levels of non-performing loans. Through a survey of banks, the study finds that low lending levels and increasing non-performing loans pose credit risks for banks. Statistical analysis supports the hypothesis that higher lending exposes banks to greater risk of non-performing loans. The challenges of credit management in Zimbabwe's unstable economic environment are also discussed.
The document discusses the role of public investment banks through examples of banks that existed in Greece and current public investment banks in Europe. It provides details on the Hellenic Industrial Development Bank and the National Bank for Investment and Industrial Development that previously operated in Greece, including their financing structures and activities. It also examines the Nordic Investment Bank, European Investment Bank, KfW Bank, and Türk Eximbank as examples of currently operating public investment banks in Europe and discusses their governance structures. The document argues that establishing a new Greek public investment bank could help finance infrastructure, SMEs, and other projects to support Greece's economic recovery.
My presentation at the University of Sterling (MSc Banking and Finance) on the current state, the considerations and the future prospects of the Euroarea Banking Union.
Draghi failed to deliver concrete actions to back up his promises from last week to do "whatever it takes" to support the euro at the ECB's monthly policy meeting. Signs of stress are emerging in Germany's economy as manufacturing declines, and public support may fall further if a second recession hits. Spain is expected to request another bailout just one month after its last one as banking reforms have failed and it relies on volatile external investors to finance its debt, with €385 billion in borrowing needed by 2014. The ECB also shot itself in the foot by purchasing Greek bonds last year under a now-defunct program, reducing the impact of any promises Draghi makes going forward.
Perspective: The rise and rise of emerging market banksInfosys Finacle
www.infosys.com/finacle
The emerging market banks which were plagued by excess regulation and inefficiency a few decades back have finally come into their own and are here to stay.
Risk Management at Wellfleet Bank: All That Glitters Is Not GoldHira Naz
Case Study Solution: Gatwick Gold Corporation
Case Study Solution: Gatwick Gold Corporation
Risk Management at Wellfleet Bank: All That Glitters Is Not Gold
Advanced Financial Risk Management
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Threadneedle investments. inversión en bonos corporativos de mercados emerge...Observatorio-Inverco
Emerging market corporate bonds offer attractive opportunities for investors seeking higher yields. Demand for these bonds has grown as traditional fixed income investments offer very low returns and emerging market corporate fundamentals have strengthened. The asset class has experienced rapid growth, with new issuance reaching record levels in 2012. While offering relatively high yields, emerging market corporate bonds remain undervalued compared to developed market corporate bonds and sovereign emerging market bonds. The asset class is expected to continue growing as emerging market economies and corporations expand.
Chicago Microfinance Conference 2010 Bga Presentationzeynepburcu
This document summarizes a presentation on microfinance in Eastern Europe and Central Asia. It outlines trends in the region such as slower growth in microcredit and deposits in 2008 due to the global financial crisis. It also discusses key issues like increasing credit risk, the dominance of credit unions and microfinance banks, and higher than average loan sizes. Finally, it examines funding sources for MFIs in the region and identifies Turkey as an untapped market with recent growth in microfinance awareness and investments.
- Silicon Valley Bank (SVB), one of the largest banks in the US, collapsed on March 10, 2022 due to losses from rising interest rates and withdrawals during a "startup winter".
- Its failure caused panic in stock and banking markets. The FDIC took control of SVB's $175B in deposits and created a new bank to protect depositors.
- The collapse impacted many startups and companies with funds at SVB. The US government took measures like insuring all deposits to prevent further bank failures.
The annual report summarizes Bank Vozrozhdenie's performance in 2008. Despite difficult economic conditions, the bank increased assets by 27%, maintained a high quality loan portfolio, strengthened liquidity, and grew performance indicators. The bank increased return on equity to 23.3% and return on assets to 2.5%, while reducing costs. Looking ahead, the bank plans to increase loan loss provisions and remain profitable in 2009 by relying on its traditional client base of small and medium businesses and retail customers.
Blog posts on trust in financial servicesstylishsam
The document contains blog posts written by Samantha Wilding on the topic of trust in financial services between 2013-2014. The posts discuss issues facing the Co-operative Bank including a £1.5 billion shortfall, questions around whether its unique ethical values will survive changes to its ownership structure, and declining consumer trust in the banking sector overall from 90% in 1983 to just 20% by recent surveys. New entrants like TSB and Metro Bank aim to refocus on customer service and local banking models to help rebuild trust.
Emerging market banks have significantly increased in size and importance relative to Western banks in recent years. They now account for around half of global banking industry assets by some measures. The largest emerging market banks are mostly from China and include Industrial and Commercial Bank of China, China Construction Bank, and Bank of China. Other large emerging market banks are from Brazil, Russia, and India. These banks have generally performed well through the financial crisis while many Western banks struggled. However, emerging market banks still have large domestic banking needs and face challenges expanding globally.
European banks, companies, and public institutions are owed around $900 billion in bad debt that is growing as the European economy slows. Some large banks have started developing specialist units to manage bad debt on an industrial scale for both themselves and other companies, charging 10-15% fees on amounts recovered. These debt recovery expertise units could generate substantial profits for the banks of around $100 million or 5% of net income in countries like France and Italy. Non-bank firms may also enter this promising but still emerging market for large-scale debt management in Europe.
Monday April 30 2012 - Top 10 risk and compliance management related news sto...Compliance LLC
This document is a letter from the President of the International Association of Risk and Compliance Professionals (IARCP) providing a summary of the top 10 risk and compliance related news stories and events of the week. It discusses topics such as traded life policy investments in London that bet on when US citizens will die, the definition of shadow banking, developing a single rulebook for banking regulations in Europe, and financial regulations in other countries and regions. The letter is intended to keep IARCP members informed about important issues shaping the risk and compliance field.
The document summarizes changes in the positions of various global banks over the past nine months. Some banks improved due to leadership changes and recapitalizations, while others deteriorated due to losses, fines, and lawsuits. Banks that improved include Wells Fargo, Swedbank, Allied Irish Banks, Royal Bank of Scotland, Intesa SanPaolo, Banca Monte dei Paschi, and Banca Popolare di Milano. Banks that deteriorated include HSBC, Nordea, JP Morgan Chase, Goldman Sachs, UBS, Credit Suisse, Bank of New York Mellon, DNB, and Espirito Santo Financial Group.
The document summarizes a presentation by Andreas Treichl, CEO of Erste Group, at the Goldman Sachs European Financials Conference on June 13-15, 2012 in Brussels. The presentation focuses on Erste Group's strategy of providing customer banking in Central and Eastern Europe, with an emphasis on retail banking, SME lending, and funding from retail deposits. Key points included Erste Group's strong capital position, improved short-term funding profile, and continued focus on its core customer banking business in the region.
Similar to 1288970165 Bulgaria Koritarov Furniture Shop Nov 2010 (20)
Erste Group at Goldman Sachs European Financials Conference
1288970165 Bulgaria Koritarov Furniture Shop Nov 2010
1. dai success stories
Loan HeLps smaLL Businessman in
BuLgaria ride out FinanciaL crisis
Nurturing small enterprises by training the banks that serve them
dai Washington After being in business for nearly 20 years, had received a 25 million euro credit line from
7600 Wisconsin Avenue
Bogomil Koritarov faced losing his life’s work. the EBRD for on-lending to customers such as
Suite 200
Bethesda, Maryland 20814 the Koritarovs. After a one-month application
USA The world financial crisis of 2009 was squeezing process, the Koritarovs received a 30,000 euro
Tel: +1 301 771 7600
budgets all the way down to Rakovkska Street credit line.
Fax: +1 301 771 7777
in Sofia, Bulgaria, where sales had stalled at
dai europe Mr. Koritarov’s small furniture store, Meka. Meka’s Meka serves a niche market—about 30 percent
Suite 440
customers—individuals and businesses also businesses and 70 percent individuals—and
Southbank House
Black Prince Road victims of the tough times—simply were not buy- customizes furniture to fit needs and styles.
London SE1 7SJ ing sofas, chairs, and other products the Meka Mr. Koritarov used his loan to develop new
UK
staff built by hand. Sales had shrunk to where Mr. products while keeping prices reasonable, as
Tel: +44 (0) 20 7 420 8600
Koritarov faced closing his rented storefront and well as to buy advertising. He is now considering
www.dai.com warehouse and the small manufacturing space he applying for another loan to help Meka increase
owned. On the edge of bankruptcy, he would also production.
have to release his three longtime employees.
“Without this loan from Eurobank EFG, we
Mr. Koritarov searched for loans to pay his sup- would have not survived the financial crisis,”
pliers, revamp his business, and stay afloat. Mr. Koritarov said.
But banks were not willing to lend; in the event
they were, the interest rates were prohibitive. The financial crisis had a huge global impact,
Mr. Koritarov’s luck changed in August 2009 when particularly on Eastern Europe. Bulgaria was one
he spoke with a branch manager of Eurobank of the hardest-hit countries, its gross domestic
EFG Bulgaria about a loan using his and his wife’s product falling by 5 percent in 2009. SMEs such
home as collateral.
Mr. Plamen Peychev, the
loan officer who took over
the application, had been
trained by DAI Europe
advisors supporting the
bank’s expansion within
the small and medium-
sized enterprise (SME)
lending market, an initia-
tive of the EFG Eurobank
Bulgaria AD Project, fund-
ed by the European Bank
of Reconstruction and
Development (EBRD).
Under the SME Finance
Facility Special Fund,
Eurobank EFG, the fifth-
largest bank in Bulgaria,
DAI team leader Ivailo Gurkov, left, meets with Bogomil Koritarov and others as
workers stitch fabric at the Meka production site.
2. as Mr. Koritarov’s
felt the brunt of the
impact, as reduced
business opportuni-
ties and shrinking
access to capital
forced many to shutter
operations. The loans
by Eurobank EFG—
already amounting
to 18.5 million euro
over 21 months—are
providing a lifeline to
many of these beleaguered firms. loan officers, defined a marketing strategy, and
designed a staff incentive plan. DAI helped loan
DAI Europe adopts a flexible, hands-on ap- officers improve their credit and financial analysis
proach to meet the needs of Eurobank EFG while skills, resulting in improved SME lending results at
adhering to the principles of the EBRD’s finance the bank, as SMEs that might have been denied
advisory program. Under this project, DAI Europe loans are now more likely to be considered for
consultants have so far trained Eurobank EFG loans thanks to better methods of assessing their
risk.
DAI Advancing Human Prosperity 11.10