Taxes matter to business. Corporate taxes affect business decisions since they represent a significant business cost and therefore have a material impact on net operating margins. Evidence
shows that countries with lower tax costs are more attractive to business investment and more likely to
experience economic growth.
By offering high growth opportunities Asia is attracting global businesses to set up, expand or relocate operation to capture growth. However, tax systems differ between Asian countries, not only in terms of total tax rate, but also in the ease of compliance burden and related governance and economic factors. As part of its Go-global solutions Global-Arena.com’s interactive analysis to the most attractive tax location in Asia unveils the comparative advantages of 17 Asian economies.
Taxes matter to business. Corporate taxes affect business decisions since they represent a significant business cost and therefore have a material impact on net operating margins. Evidence
shows that countries with lower tax costs are more attractive to business investment and more likely to
experience economic growth.
By offering high growth opportunities Asia is attracting global businesses to set up, expand or relocate operation to capture growth. However, tax systems differ between Asian countries, not only in terms of total tax rate, but also in the ease of compliance burden and related governance and economic factors. As part of its Go-global solutions Global-Arena.com’s interactive analysis to the most attractive tax location in Asia unveils the comparative advantages of 17 Asian economies.
What Are Our Prospects Are Thinking Right Now Michael Starke, Vp Of Researchmichaelstarke
This presentation addresses the impact of the economy on the senior housing consumer and is based on telephone surveys completed in March of 2008 and 2009 and 42 focus groups completed in the 12 months between the two surveys. I\'d be interested in your thoughts and feedback.
2010.gada Latvijas mediju reklāmas tirgus prognozesStarcom
Latvijas mediju reklāmas tirgus apjomi, sākot no 2005.gada līdz 2010.gadam. Apkopoti LRA un TNS Latvija, publiskotie tirgus dati un mediju aģentūras Starcom prognozes.
What Are Our Prospects Are Thinking Right Now Michael Starke, Vp Of Researchmichaelstarke
This presentation addresses the impact of the economy on the senior housing consumer and is based on telephone surveys completed in March of 2008 and 2009 and 42 focus groups completed in the 12 months between the two surveys. I\'d be interested in your thoughts and feedback.
2010.gada Latvijas mediju reklāmas tirgus prognozesStarcom
Latvijas mediju reklāmas tirgus apjomi, sākot no 2005.gada līdz 2010.gadam. Apkopoti LRA un TNS Latvija, publiskotie tirgus dati un mediju aģentūras Starcom prognozes.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
2. Revenue – FY 2003-04
Total Revenue
• Total Revenue up 24% at Rs. (Rs crore)
764 crores compared with 615 900
13%
GR:
crs in last year. 764
800 CA
700
• Five year CAGR at 13%. 614
565
600 553
• Revenue Growth driven by CS - 468
500
share of CS Revenue in overall 400
revenue increases from 54% to 300
63%. 200
100
• International Service Revenues
0
up 19%.
FY 00 FY 01 FY 02 FY 03 FY 04
2
5. International Revenue
CMCA
30%
TCS (GTM)
8%
Offshore
44%
Onsite
56%
CMC Direct
23%
39%
TCS (BA)
Growth Growth
40% 150% 105.38%
30.5%
30% 100%
20% 50% 14.54%
10% 0%
1.1%
0% -50% -24.7%
Onsite Offshore TCS (BA) CMCA Solutions Business
Increased success in System Integration solutions in the international
market
5
6. Profitability – FY 2003-04
PBT
• Profit before tax up 16% at Rs. (Rs crore)
33%
70
65.7 crs. compared with Rs. 56.7 65.71
GR:
CA
60 56.66
crs in last year; 5 year CAGR at 51.11
50
33% 39.71
40
• Profit after tax up 30% at Rs. 48.0 30
20.7
crs. compared with Rs. 37.1 crs 20
10
in last year; 5 year CAGR at 39%
0
FY 00 FY 01 FY 02 FY 03 FY 04
• Profits impacted by Rs. 11.4 crs
PAT
increase in manpower cost due (Rs crore)
1st 39%
to restructuring w.e.f. 60
GR:
CA 47.99
October, 2003 and increase in 50
other income from Rs. 6.7 Crs to 40 37.05
33.64
16.6 crs 30
25.09
20
• Effective Tax rate falls from 34% 12.7
10
to 27% due to higher
0
international service revenue FY 00 FY 01 FY 02 FY 03 FY 04
6
10. Consolidated Financial Performance
• Revenue of CMC Americas for
(Rs crore) FY04 FY03 Growth
Y-o-Y
Apr-Mar 2004 lower by 26% at $
18.2 mn. Compared with $
Total Revenue 801.7 679.1 18.1%
24.7mn. last year.
PBT 62.9 55.4 13.5%
• CMC Americas posts a profit of
PBT Margins 7.8% 8.2%
$ 58K in QE March, 2004.
PAT 44.8 36.4 23.1%
• Financial Year of CMC Americas
PAT Margin 5.6% 5.4%
proposed to be changed to
April-March from current Jan-
Dec.
10
11. Debtors Profile
30-60 days 60-90 days
4%
12%
• Debtors level falls to
90-180 days
Rs. 180 crs. (88 days) 16%
compared with Rs. 208
52%
crs. (123 days) on 31st 0-30 days
March, 2003. 16%
>180 days
Debtors Level
• Total debtors including (No. of days)
140
123
accrued debtors level 120
108
102
96
100
88
falls to 144 days 80
60
compared 161 days as 40
on 31st March, 2003. 20
0
FY 00 FY 01 FY 02 FY 03 FY 04
11
13. Key Differentiators
End-to-End Solutions
Strong Parentage Technological &
Domain Expertise
Strong Service Delivery Extensive track record
Chain in Government projects
Large & Complex
Experienced & Skilled Project Management
Resource Pool Capability
Strong Customer
Relationships & Vendor
Partnerships
13
14. Wide Range of Service Offerings & Domain Expertise
Technology competency
Banking & Finance
Transportation
E-Governance
Biometrics
Insurance
Defense
Power
Mining
Verticals
Customer Services, Systems Integration, ITeS, Education & Training
Services
• • • • • • • •
TC/4 Retail GENISYS - Container OSKER - NIRDESHAK Air defense FACTS - VISTA/VOICE
Frameworks/ •
Banking Branch and Handling SCADA - GPS based handling Completely Healthcare
Software System division Systems based vehicles systems automated solutions
• • •
automation energy and tracking fingerprint
VECTOR - Cargo Radar data •
Assets Treasury
power system identification
•
Stock Enterprise Management processing management
solutions and retrieval
•
Exchange software for Systems CRYSTAL - systems • Networking
solution
•
• •
System for general Load Mine
Railway Airfield
Online Trading insurance Dispatch planning
Reservations lighting and
companies package
• •
•
VEDAS - Distribution control
Freight
•
Depository automation ERP for systems
Management
Solutions mines
• •
• Sub Station Embedded
Hardware
• DIGIPURSE automation software
solutions
• systems
Demand side
• ARTS
management
Technology + Domain + Infrastructure Mgt. = Build, Manage & Support
Customer’s IT systems
14
15. Core Products/Solutions in key Verticals
Transport Port Solutions Insurance – GENISYS SCADA/
ARTS, IMPRESS, FOIS, MACH, CALM Real Time
Train Scheduling Systems
Fingerprint Tracing Event Mining Securities
System Management DYNAMINE BOLT, Vector,
System OITDS Vedas
15
16. Key Customer Relationship
Mundra Port
United Western Bank National Securities Depository Ltd.
Indian Railways RBI New India Assurance
National Insurance Company The Stock Exchange, Mumbai TRW Automotive Systems
ONGC Reliance General Insurance Co. Ltd.
Charleston County
Indian Oil Corporation Bank of Baroda
Census of India Bharat Petroleum Corporation Ltd. Bank of India
London Underground
16
17. Growth Strategy
Leveraging our Group Synergies
Broadening Improving
Customer Internal
Reach Efficiencies
Increasing Share of Value Added Services
17
18. Growth Strategy
• Leverage domain and technology strengths with TCS’
international presence and large customer base
Leverage
– Addressable market expansion - Offerings,
Group Customers, Geographies
Synergies
• Combined strength - Joint bidding for large, complex
projects
• Professional services in chosen horizontals
• Joint marketing in verticals where CMC has strong
domain expertise
• Infrastructure development and management services,
Business
Biometrics, Transportation, Embedded Systems etc.
Association
with TCS • Accessing TCS’ existing clients for select services
• Leverage the TATA & TCS brand, reach &
infrastructure in USA,Europe
• Adopt best practices at strategic and operational level
18
19. Growth Strategy
• Replicable solutions and domain expertise
• Deepen engagement scope
– Offerings depth enables provision of point and
ongoing solutions
– Maintenance services lend greater stability and
profitability
Value Added
Services – Cross sell higher range of services and solutions
• Move up value chain
– ITeS – Data entry to process management
– Education & training – From conventional
offerings to knowledge management & e-
learning
19
20. Growth Strategy
• Leveraging domestic project experience for private
sector and international markets
Broadening
• Improving reach: - TCS – USA,Europe; Own offices
Customer
- Middle-east, Africa
Reach,
• Internal structure
Deepening
Customer Focus – Aligning offerings focus with industry practices
– Key account management strategy
• Follow TCS project management best practices
Focus on • Quality & excellence initiatives: CMM, CMMI, TBEM
Quality &
• Certification drive: ITIL, CCIE, CCNA
Internal
• Marketing excellence: Mark@cmc
Efficiencies
• Improving manpower utilization
20
21. Summary – Strengths and Strategy
Differentiators Growth Strategy
Leveraging our
Strong Parentage
Group Synergies
Changing our
Customer Focus
End-to-End Solutions,
Technological &
Domain Expertise
Increasing share of
Value Added Services
Large & Complex Focusing on
Project Management improving Internal
Capability Efficiencies
21
23. Major Developments
• CMC takes up the • Aligns business • Divestment of
• Incorporation • Reorganises
• Partial
maintenance of focus along remaining stake
of Computer businesses
Divestment
800 IBM vertical markets by GoI though
Maintenance into five
installations spread like transportation,
by GoI public offering
across India. mining, power and
Corporation strategic
Initiates training banking • Tata Sons
Limited business units
courses shareholding
• Sets up INDONET
predominantly to
transferred to
clients
TCS Ltd.
1975 1976 1978 1984 1986 1991 1992 1993 1995 2001 2004
• Diversifies activities • Acquires Baton • Listing on • Tata Sons
• Commences
• Commen to include Rouge
Indian Limited
operations “turnkey” projects, International Inc.
ces Bourses acquires 51%
IT education, in USA – a step
software towards stake in CMC
operation development. globalisation
Renamed CMC (renamed as CMC
s Limited Americas, Inc. in
2003)
23