The document describes 20 different types of financial risks that an organization may face, along with strategies to mitigate each risk. These risks include investment risk, active risk, inflation risk, default risk, liquidity risk, regulatory risk, exchange rate risk, political risk, people risk, human capital risk, sales risk, seasonality risk, equity risk, health and safety risks, technology risk, market asset risk, imbalance inventory risk, low skilled staff risk, real assets risk, and financial assets risk. For each risk, the document provides an example of how the risk may impact an organization and strategies the organization can use to reduce the likelihood or impact of the risk.
Introduction of strategy,Levels,Meaning of International Business, Multinational corporations,advantages of Home country &host country, Challenges of Internationalbusiness
Introduction of strategy,Levels,Meaning of International Business, Multinational corporations,advantages of Home country &host country, Challenges of Internationalbusiness
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Send your semester & Specialization name to our mail id :
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or
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Previous Assignments for referenceBusiness_plan_financials.xlsx.docxChantellPantoja184
Previous Assignments for reference/Business_plan_financials.xlsx
Sheet1Business Plan Financials ITEMQUANTITYCOSTPERSONNEL1Full-time Project Coordinator Including on-costs. $52,500EDUCATION & TRAININGGP workshops4 @ $450$1,800Practice staff workshops Seminar for Marketing and Sales Person professionals2 @ $ 600$1,200Practice sales & marketing workshops 1 @ $1,000$1,0002 @ $550$1,100PROJECT RESOURCESReferral resource600 @ $1 per cardDesign and printing of cards x 500 Production of CD Roms x 50 ‘Guide on Depression in the Elderly’ leafletDesign and printing of leaflet x 10,00050 @ $5 per CD$600Invitation to Sales and Marketing professionals Seminar Design and printing of invitation x 500$500Additional pamphlets. Design and printing of posters x 200$250Video Editing and production of video x 100 10,000 @ 35 cents per leaflet$3,500 500 @ 50 cents per invitation$250$2,000$2,000$600$2,000$5,000200 @ $3 per poster100 @ $500PROMOTIONAdvertising 10 weeks of press advertising in 3 local papers 6 weeks of radio advertising on 3 local stations Media relationsBulk promotional rates may be availablea) Program launch – costs include venue, catering, AV, ancillary speakers costs, media packs etc. Costs estimated for 40-70 attendees. b). On-going Social Media campaign$ 3, 000$3,000$400MBC AWARENESS WEEKDisplays Coordination of volunteers10 volunteers @ $30 each$300Skits in Community Centers 10 volunteers @ 55 each550VOLUNTEER NETWORKMost of the costs will be incurred by sponsor. $6,000$6,000EVALUATIONFormative, process, impact and outcome evaluations Approx. 10% of total costsADMINISTRATIONOffice space and associated overheads (lighting, power etc)Offered by the agencyStationery, photocopying and printingMailing, telephone and faxTravel4, 5004500Documentation of Program Audit costs5,5005,500400400700700Offered by the AgencyTOTAL$93,250
Previous Assignments for reference/Mari_B_Company_Ass_1.docx
Mari Beverage Company 1
Running Head: MARI BEVERAGE COMPANY
Student Name
Business 599
Professor Name
July 19, 2015
Strayer University
Mari Beverage Company 2
Abstract
This paper will address the following:
1. Create your revised NAB company name and explain its significance.
2. Develop your revised company’s Mission Statement and provide a rationale for its components.
3. Describe the trends in the non-alcoholic beverage industry, especially the specific type of beverage category you have chosen. Justify at least three (3) reasons why you have chosen this type of non-alcoholic beverage.
4. Choose one (1) strategic position from the course text (pp. 142–143) that you believe is the best strategic position for your company. Explain the approach you will use to implement this strategic position in order to distinguish your beverage from other non-alcoholic beverages.
5. Provide an overview of your company’s distribution channels. Explain the manner in which your product will reach end.
Five Challenges Faced by Company While Launching their Product in Another Country.
Ten Foreign Investors in Pakistan.
How can Pakistan Attract FDI?
Factors Affecting FDI in any Country.
Exchange Rate and Financial Crisis.
Summary Nike Pestle Analysis.
CBIZ Quarterly Manufacturing & Distribution “Hot Topics” Newsletter (Sep-Oct ...CBIZ, Inc.
This issue delivers links to key resources, NAM’s Manufacturers’ Q3 Outlook Survey and four articles on key industry topics — 3 Ways Manufacturers Can Bridge Talent Gaps & Improve Product; Is It Time to Consider Group Captive Insurance?; Equal or Equitable – The Family Business Owner’s Dilemma; and Special Purpose Acquisition Companies (aka SPACs) Are Really Hot!
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
help.mbaassignments@gmail.com
or
call us at : 08263069601
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
help.mbaassignments@gmail.com
or
call us at : 08263069601
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
help.mbaassignments@gmail.com
or
call us at : 08263069601
Previous Assignments for referenceBusiness_plan_financials.xlsx.docxChantellPantoja184
Previous Assignments for reference/Business_plan_financials.xlsx
Sheet1Business Plan Financials ITEMQUANTITYCOSTPERSONNEL1Full-time Project Coordinator Including on-costs. $52,500EDUCATION & TRAININGGP workshops4 @ $450$1,800Practice staff workshops Seminar for Marketing and Sales Person professionals2 @ $ 600$1,200Practice sales & marketing workshops 1 @ $1,000$1,0002 @ $550$1,100PROJECT RESOURCESReferral resource600 @ $1 per cardDesign and printing of cards x 500 Production of CD Roms x 50 ‘Guide on Depression in the Elderly’ leafletDesign and printing of leaflet x 10,00050 @ $5 per CD$600Invitation to Sales and Marketing professionals Seminar Design and printing of invitation x 500$500Additional pamphlets. Design and printing of posters x 200$250Video Editing and production of video x 100 10,000 @ 35 cents per leaflet$3,500 500 @ 50 cents per invitation$250$2,000$2,000$600$2,000$5,000200 @ $3 per poster100 @ $500PROMOTIONAdvertising 10 weeks of press advertising in 3 local papers 6 weeks of radio advertising on 3 local stations Media relationsBulk promotional rates may be availablea) Program launch – costs include venue, catering, AV, ancillary speakers costs, media packs etc. Costs estimated for 40-70 attendees. b). On-going Social Media campaign$ 3, 000$3,000$400MBC AWARENESS WEEKDisplays Coordination of volunteers10 volunteers @ $30 each$300Skits in Community Centers 10 volunteers @ 55 each550VOLUNTEER NETWORKMost of the costs will be incurred by sponsor. $6,000$6,000EVALUATIONFormative, process, impact and outcome evaluations Approx. 10% of total costsADMINISTRATIONOffice space and associated overheads (lighting, power etc)Offered by the agencyStationery, photocopying and printingMailing, telephone and faxTravel4, 5004500Documentation of Program Audit costs5,5005,500400400700700Offered by the AgencyTOTAL$93,250
Previous Assignments for reference/Mari_B_Company_Ass_1.docx
Mari Beverage Company 1
Running Head: MARI BEVERAGE COMPANY
Student Name
Business 599
Professor Name
July 19, 2015
Strayer University
Mari Beverage Company 2
Abstract
This paper will address the following:
1. Create your revised NAB company name and explain its significance.
2. Develop your revised company’s Mission Statement and provide a rationale for its components.
3. Describe the trends in the non-alcoholic beverage industry, especially the specific type of beverage category you have chosen. Justify at least three (3) reasons why you have chosen this type of non-alcoholic beverage.
4. Choose one (1) strategic position from the course text (pp. 142–143) that you believe is the best strategic position for your company. Explain the approach you will use to implement this strategic position in order to distinguish your beverage from other non-alcoholic beverages.
5. Provide an overview of your company’s distribution channels. Explain the manner in which your product will reach end.
Five Challenges Faced by Company While Launching their Product in Another Country.
Ten Foreign Investors in Pakistan.
How can Pakistan Attract FDI?
Factors Affecting FDI in any Country.
Exchange Rate and Financial Crisis.
Summary Nike Pestle Analysis.
CBIZ Quarterly Manufacturing & Distribution “Hot Topics” Newsletter (Sep-Oct ...CBIZ, Inc.
This issue delivers links to key resources, NAM’s Manufacturers’ Q3 Outlook Survey and four articles on key industry topics — 3 Ways Manufacturers Can Bridge Talent Gaps & Improve Product; Is It Time to Consider Group Captive Insurance?; Equal or Equitable – The Family Business Owner’s Dilemma; and Special Purpose Acquisition Companies (aka SPACs) Are Really Hot!
TVA p3 RISK examples and lessons learned 151022Peter Burgess
RISKS are some of the biggest issues in the modern world, and how they are addressed will determine what sort of a world we live in in the future. Many of the best practices from the past are not going to be good enough for the future, and need to be improved.
FINC 340 InvestmentsHow to Create an Investment StrategyThe .docxvoversbyobersby
FINC 340 Investments
How to Create an Investment Strategy
The creation of an Investment Policy Statement (IPS) is the most important step to take in creating a disciplined investment plan. Unfortunately, many plans fail to adjust return expectations to current market conditions. Today, large public pension plans are still forecasting return expectations at 7.5 percent.
Ultimately, if you lower return expectations; state and corporate pensions are required to make larger contributions. Furthermore, even those return expectations seem aggressive in such a low yielding market.
Currently we are in a market where the 10-year U.S. Treasury yields approximately 1.65 percent, the 10-year single A corporate composite yields approximately 2.79 percent, and the equity market has tepid expectations given weak growth prospects, low consumer and CEO (business) confidence and a great deal of uncertainty in 2013.
Thus, whether you are a large corporation forecasting pension needs or an individual planning for retirement, an IPS creates a blueprint or a framework for your investment strategy. It must be the first step taken in order to find suitable investments toward meeting stated investment objectives and should be revised at least annually and updated in response to market conditions.
A primary step in creating an IPS is understanding its overall functionality. First, every IPS consists of both objectives/goals and constraints of investors. Investment objectives must always be looked at in terms of both risk and return. Though it does not get sufficient attention, it is the basics of investing that is critical for every investor to understand.
Risk
Risk tolerance should always be assessed first in order to identify which risks investors are willing to assume. Risk tolerance is a function of an investor's psychological makeup and personal factors such as wealth, age, income and cash reserve. Lastly, risk is directly related to an investor's time horizon, the ability to assume risk and the investor's ability to recover from any temporary investment shortfalls.
Return objectives
Return objectives should always be stated in terms of how an investor will accomplish their stated goals. These return objectives include capital preservation, current income, capital appreciation, and total return. The goal of capital preservation is to prevent loss of an investment's value and produce a return at least equal to inflation, typically a goal for those who need funds in the near future.
A current income goal will have a steady stream of income from interest and dividends. This goal's primary focus is to supplement income to meet planned spending needs. Capital appreciation is the goal to find investments with the intent of having an initial investment increase over time, typically a goal for retirement or for needing the funds in the future. Lastly, total return is a combination of both current income and capital appreciation, an appropriate objective for an investor ...
12Business Name Fruitfit CompanyThe name of.docxdrennanmicah
1
2
Business Name: Fruitfit Company
The name of the company has been inspired by the core objectives that the business has to the customers. As the company is committed to providing healthy drinks which will serve as an alternative to commercialized high sugar beverages on the market. The company will provide non-alcoholic beverages based on fruits, herbs, and vegetables. Fruits will, however, make up the largest part of the business raw materials. The use of quality fruits to make healthy drinks has therefore inspired the name Fruitfit as the business name.
Mission Statement
Fruitfit Company is committed to providing healthy and achieve the highest level of satisfaction from our customers and build customer confidence in our products. At Fruitfit, we believe that what you put in your body matters a lot.
This mission statement is based on the mandate that the company has to its customers. Through the providing healthy beverages, the company will ensure that its customer's health matters concerns are taken care of. The responsibilities of the business are inspired by the recognition of living a healthy life by controlling what we consume.
Industry Trends
The global non-alcoholic beverage industry is estimated to be USD 967 billion. This is according to 2016 estimates done by market research studies. The industry is also expected to grow at an estimated rate of 5.7% through 2017-2025. This makes it a desirable business to venture into. In Thailand, the non-alcoholic beverage industry can be divided into the sectors of carbonated drinks, bottled water, fruit and vegetable drinks, performance drinks, energy drinks, and smoothies. The company will primarily operate in the fruit and vegetable drinks. This is especially a good time for the business as changes in the market have indicated that customers are shifting from carbonated drinks to healthy drinks (Helms & Nixon, 2010). As a result, the categories of drinks which offer health benefits to the customers are experiencing constant growth rates over time.
Strategic Position
In the order to properly position the company effectively in the market, the company will adopt a value-based positioning strategy. The company is committed to providing healthy drinks to customers. This comes at a time when the global market is becoming more conscious of the importance of healthy living. Fruitfit Company aims to provide healthy drinks which have been produced using quality raw materials. The company sources are raw materials from the local farmers whereby they are able to get the highest quality fruits and vegetables.
Distribution channels
As the company will be operating in an industry which has stiff competition, it will be necessary to ensure that the products of the company are brought as close to the customers as possible. As a result, the company will adopt a well-networked distribution channel which will ensure coverage of a wide geographical area. The company will have a central point of.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
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.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
1. Prepared by: Muhammad Arman Yousaf
Description of 20 financial risk associated to an organization (Industry specific)
& how we can mitigate them
1) Investment Risk / Market Risk
There is always a risk exist while putting/expanding investment in order to increase the
organizational market size & unfortunate failure may result into big losses.
In order to expand product portfolio, Amrat Cola beverages experienced to invest in purchasing a
machine that produce Juice only. Others investments included infrastructure, HR induction etc.
had been made accordingly. But unfortunately, the product couldn’t get a click in the market and
became a failure after couple of months. This was a big failure & the line was only specialized for
Juice production only, hence, diversification for other categories like carbonated drinks, Water
etc. wasn’t possible to make.
However, at a later stage, the company decided to outsource the machine & it was purposed to
mitigate the financial risk. Though, this wasn’t a profitable proposition, but this move helped out
the company to mitigate the investment risk.
2) Active Risk
Coke & Pepsi are in a perfect competition and keep almost similar price in order tohave a balance
demand at market place. Last year, CCBPL increased the consumer price of its 1.5L pack (flagship
pack) without taking competition in loop. Though it was an explicit Active risk since it was quite
possible to damage its other portfolio market demand owing this step, when PCI was not ready
to take this measure.
But CCBPL stood firm with this action and started aggressively to work at in-store execution of
1.5L pack which helped to increase its off take. Also an incentive for retailers to push the pack was
another strategic move to minimize the risk against this bold step & things went successfully in
favor of the company
3) Inflation Risk
It’s very usual in Sugar prices fluctuation when it comes to low yield against desired Volume of
Sugarcane & its direct effect translate to the beverage industry in form of inflation of Sugar bags
prices which happens unseen quite often & its directly affect the purchasing power of an entity.
Now the purchasing model of Sugar routing through a 3rd party in which the vendor is bound to
supply bags at a fixed rate to the company & in case of deflation, the price has been supposed to
re-negotiate.
2. Prepared by: Muhammad Arman Yousaf
4) Default Risk
CCBPL is used to give the upfront payments to the retailers against exclusive rights in the outlets.
The risk of default explicitly exist there & in order to mitigate, she demand the retailers to give a
cross cheque against the given payment. This cheque serve as a guarantee along with completion
legal documentation. The company is witnessed to lowest the default risk by doing this practice.
5) Liquidity risk
When it’s come to cash flow, a bottler has to face a stinky situation due to scarcity of available
cash in hand, if it’s not managed well. When payables are overdue and ARs have crossed timeline
and assets are overshooting & risk of liquidity risk start hanging.
Such situation needs to be controlled by re-negotiating timelines with the vendors and due time
to pay to be extended. Alongside, controls at ARs should be strengthened in order for smooth
cash flow. The finance should be efficient enough in working capital management in order to
eliminate liquidity risk.
6) Regulatory Risk
Changing in tax regime and uncertain increase in excise duty is quite often now & Bottlers have
been interacting this situation since many years. This regulatory risk has been managed through
some steps:
By selling more vol than budgeted
By increasing the products prices in order to offset the challenge
By Cost cutting where possibilities
7) Exchange – Rate Risk
In case of importing raw material/machinery from other county, it’s very important to have a
vigilant eye at exchange rate fluctuation, since the risk exist when for instance, the bottler has to
pay in dollar & PKR devaluation before payment may result in loss.
To mitigate the risk, the industry is practicing with some vendors to pay the fixed price (no
variation in exchange rate to be regarded).
8) Political Risk
Political instability & Terrorism etc. play an imperative role in disrupting the economic situation
of a county & a political risk strongly emerge for the industries at that point of time. Usually, the
foreign investments & meanwhile, investments in pipeline get on hold. So the organizations can’t
ignore or underestimate this risk at all.
Though these issues can’t be directly controlled, but these potential risks can be lowered by Risk
management costs (through more rational hedging and insurance purchasing).
3. Prepared by: Muhammad Arman Yousaf
9) People risk
The people serving in an organization are the most useful & valued asset. Within a limited
industry/competitors (like Coke, Pepsi), the rotation of employees from one to another
organization sometimes occur every often & and eventually the company incur the cost after the
people gone (Training, Expertise cost etc.)
In order to reduce the people turn over, Coke is very efficient in engagement of its staff through
capability development, on job trainings, motivational forums, and international exposures &
cross functional experiences. This has really reaped in encouraging the employees towards their
personal & biz development.
10) Human Capital Risk
One of the major sources of finance in everyone’s life is human capital that is monthly or yearly
earning. Different types of risks might hamper this financial asset such as death, illness, recession
or job termination etc. This is one of the unfortunate of cases where one faces financial loss. All
such risks are unavoidable and many a times sudden. A sudden death of a person might cause
financial loss for an entire family and it is the same with illness. Recession leading to job loss and
job termination is another risk that a person might face in their life owing to various reasons.
The question is how you manage such risks when the risks are unavoidable. One cannot avoid
death but can definitely maintain savings and insurance to avoid sudden downfall or financial
crisis for families. Medical insurance takes care of financial risk occurred due to illness. On the
other hand, savings and professional contacts help one to control risks caused due to job loss.
11) Sales Risk
Sales risk is affected by demand for the company's product as well as the price per unit of the
product & major impact usually observed when the competitors’ products increase stock depth
into the outlet.
CCBPL is very agile at the market level & have an intelligent eye over this concern by keeping its
eyeon thecompetitor activities & eventual outcomeat thecompany sales vol. Activities toengage
the retailers to sell more Coke are perused in the trade commonly by incentivizing and trade
promotions.
12) Seasonality Risk
While moving from summer tomid & then end summer, the sales curve of Beverages shows a lazy
sales volume because of consumption pattern. Sometimes the company produces excessive
product (esp in case of new product developed) being hinged by a bull whim effect & to sell the
product in the market esp. in off season emerge as a greater challenge.
So in order to liquidate the product & to mitigate the expiry losses, Trade promotions & high
impulsive displays are encouraged to improve sales volumes.
4. Prepared by: Muhammad Arman Yousaf
13) Equity Risk
By offering constant variable product prices in the market, an organization may suffer equity
damage which translate into financial loss as a result of sales decline. The Pakistani trade is
more cautious about marginal benefit rather & demand high margin.
CCBPL is now promoting its Brands equity through persistent approach at price point & as a
strategic measure, increased back end margins of retailers instead reducing consumer price. This
has supported its portfolio to lead prestigiously in the mind of the consumer & giving hidden
benefits to retailers is continuously helping out to push sales.
14) HSE Risks
There is always a great hazardous potential exist if an organization is fully equipped with Health
& safety, that includes equipment’s, trainings to personnel’s, skilled staff, HSE rescue staff etc.
CCBPL has a ful-fledge HSE function recently developed and trained persons have been hired and
deployed in different roles for HSE awareness & compliance. Trainings, safety drills, Emergency
squads have been allied in order to counter any unforeseen challenge & to mitigate/eliminate the
related risks.
15) Technology Risk
Technology advancement & organizational adaptation are now the utmost interconnected in
order for biz growth & to mitigate financial risks related to Technology. Absence/lack of
technology may result into financial losses since the people of organization are not fully
equipped/aware of market trends due to this lankness.
Large & renowned FMCGs know the substantial importance of Data savvy and putting up more
money in order to excel through this.
16) Market Asset Risk
Coke & Pepsi are very well known to put heavy investment in form of chilling equipment’s at the
market place in order to complement their products chilled to their customers.
CCBPL has faced losses in the past years because of chillers loss/misplaced in the market & there
was no tracking mechanism for watchfulness, so the stakes were always remained high.
Now the organization is fully equipped with tracking mechanism & now, sales force is responsible
to physically scan each cooler once a month. This exercise has greatly reduced the potential of
chillers loss in the market.
17) Imbalance inventory Risk
Maintaining a proper inventory level in the warehouses in necessary in order to mitigate high
inventory losses and carriage cost for inter-stocks movement. Slackness may result into blocking
huge inventory/amounts, expiry losses & carriage costs etc.
5. Prepared by: Muhammad Arman Yousaf
CCBPL has been doing very well since last few years & a proper trendy forecast “by location” is
being called from Sales services dept in order to produce/deliver accordingly.
18) Low skilled staff risk
The organizations engaged in manufacturing/operations have some people working in repair &
maintenance of auto vehicles, Assets etc. Low skilled/unskilled staff may result into incurring
more cost when it comes to repair & maintenance.
Thebeveragesector is very activetokeep on training their people toenhance their technical skills.
This practice reduce many risks which may cover from a business – business or business –
customer.
19) Real Assets risk
Premises, Plants, cars & other infrastructure etc. are termed as real assets and risks involved with
it might lead to loss of real assets. The risks here can be owing to natural disaster, accidents,
weather damage and so on. Organizations might face damages & severe financial losses etc.
In order to mitigate such risks, organizations follow the key strategies of risk management. Get
the assets insured & mitigate the risk by training to the people. Avoid building infrastructure in an
earthquake prone areas etc
20) Financial Assets Risk
Theorganization mightfaceloss ofhugecash flow or profit duetounfortunateinvestments. Some
are due to lack of knowledge and others are due to sheer misfortune. The risks that cause loss of
financial assets are stock market decline, inflation etc. One wrong turn may leads to huge losses
like investment in common stocks without seeking trend, launching a product which is misfit to
market. Similarly, inflation too leads to heavy loss of financial assets in everyday life.
To control such risks, CCBPL has chipped in financial expert to be watchful & vigilant with market
status, the rise and low. While investing on a plan, she consult with every stakeholder, make
alignment with trends, consult with other experts before taking a leap.