Greenbankinginbangladesh 150710035938-lva1-app6892
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This document discusses green banking in Bangladesh. It outlines the objectives of green banking, which include cost savings, better resource management, and a better brand image for banks. Banks can benefit from green banking practices. The document then discusses some specific green banking initiatives and products from Bangladeshi banks, such as planet cards from BRAC Bank and loans for tree planting from Shahjalal Islami Bank. It provides examples of green projects that banks finance, such as effluent treatment plants and biofuel projects. Finally, it lists some major green banking activities and statistics in Bangladesh, such as the number of banks that have implemented green banking policies and units and the amounts disbursed in green financing.
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This document is a presentation on barriers to developing green banking in Bangladesh. It introduces the presenters and their topic, then defines green banking as banking that considers social and environmental factors. It identifies several barriers to green banking in Bangladesh, including lack of response from businesses, low customer awareness, low priority given to green banking, financial barriers, technical issues, and poor customer support. Potential solutions discussed include applying green banking guidelines, increasing online banking services, providing more advertising and seminars on green banking, and recruiting green banking specialists.
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Bio-diversity is the diversity or resources where human beings are majorly dependent on natural resources, but there is no proper utilization of natural resources by mankind. Green banking is a concept which provides a number of ways to conserve natural resources in the banking industry. It means promoting environmental-friendly practices and reducing our carbon footprint generated through activities which may have contributions from the banking events. It also means promoting activities of the banking clients who are in industrial or commercial activities which do not extract more from the planet than they put back in.
Through this study it was discovered that green banking not only involves updating of latest technology but it also involves other factors such as green mortgage and providing loans for improvement of environment. It was also discovered that green banking helps to control Global Warming
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This document summarizes green banking initiatives in Bangladesh. It discusses how the Bangladesh Bank (central bank) has taken steps to promote green banking through policies, funding, and initiatives. Major points include:
- The Bangladesh Bank has established green banking guidelines and units in commercial banks to promote environmental risk assessment, green financing, climate risk funds, and online/solar powered branches.
- In 2012, over 12,000 projects were rated for environmental risk and over Tk. 270 billion was disbursed in green financing. However, utilization of climate risk funds was only 12.07% of allocated amounts.
- Major activities include green policies, over 3,000 branches with online banking, 214 branches and 161 ATM
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Green banking is like a normal bank, which considers all the social and environmental/ecological factors with an aim to protect the environment and conserve natural resources. It is also called an ethical bank or a sustainable development for the future.
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This document is an assignment on green banking in Bangladesh submitted to a lecturer at Uttara University. It discusses green banking practices in Bangladesh, including initiatives by Bangladesh Bank and commercial banks. Key findings include 40 of 47 commercial banks establishing green banking units, Tk. 525 crore allocated for green banking projects, and increasing adoption of online and mobile banking. The document recommends increasing awareness, monitoring adherence to guidelines, and replicating best global practices to further develop green banking in Bangladesh. It concludes that while progress has been made, more efforts are needed to respond to climate change threats and global standards.
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Green banking aims to protect the environment by considering social and environmental factors in banking operations. It promotes online and mobile banking to reduce paper usage. Tools of green banking include online banking, green credit cards, and green mortgages. The objectives are to provide fast customer service while increasing profitability and productivity through paperless banking that saves time, energy and resources. Green banking benefits include less deforestation, time and cost savings, and faster customer service.
Green banking by G.Reka
Green Bank is like a normal bank, which considers all the social and environmental / ecological factors with an aim to protect the environment and conserve natural resources”. It is also known as ethical bank or sustainable bank. Their purpose is to perform banking activities but with an additional plan towards taking care of earth’s ecology, environment, and natural resources including biodiversity.
Green banking
India is projected to become the third largest banking market globally by 2040. As socially responsible corporate citizens, Indian banks have an important role to play in reducing carbon emissions through CSR initiatives like rural development, women's empowerment, education, and green banking. Green banking aims to promote environmentally friendly practices by reducing paper usage, encouraging online banking, and offering green financial products like green loans and mortgages. While green banking has benefits like rationalizing resource usage and faster customer service, banks must also manage risks like credit, legal, and reputation risk when implementing green initiatives.
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- UBL must comply with the State Bank of Pakistan's guidelines on green banking and reducing banks' environmental impacts.
- UBL's green banking activities include environmental risk management, financing renewable energy and resource efficiency projects, and reducing the bank's own carbon footprint.
- UBL establishes a Green Banking Department and steering committee to oversee the implementation of green initiatives, including building internal green capacity, awareness campaigns for clients, and modifying internal processes to be more environmentally friendly.
-
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Green banking
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Abstract:
Bio-diversity is the diversity or resources where human beings are majorly dependent on natural resources, but there is no proper utilization of natural resources by mankind. Green banking is a concept which provides a number of ways to conserve natural resources in the banking industry. It means promoting environmental-friendly practices and reducing our carbon footprint generated through activities which may have contributions from the banking events. It also means promoting activities of the banking clients who are in industrial or commercial activities which do not extract more from the planet than they put back in.
Through this study it was discovered that green banking not only involves updating of latest technology but it also involves other factors such as green mortgage and providing loans for improvement of environment. It was also discovered that green banking helps to control Global Warming
The research proves that the Green Banking concepts help to support in bringing down the Global Warming directly and also indirectly: directly by using less papers and indirectly providing loans for those industries which support and aid environmentally sustainable development and in the usage of renewable sources of energy.Nikita green banking
This document discusses green banking initiatives taken by public sector banks in India. It provides background on public sector banks and their nationalization. Some key green banking initiatives discussed include providing green home loans at lower interest rates for environmentally sustainable projects, introducing green credit cards where funds are donated for environmental causes, installing solar panels and wind turbines to generate renewable energy, promoting mobile and online banking to reduce paper usage, and purchasing recycled paper products. The document analyzes how public sector banks can play a role in financing environmentally responsible projects and reducing their own environmental footprint through various green initiatives.
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This presentation introduces green banking, which considers environmental and social factors. Green banks aim to protect the environment by reducing paper usage through electronic transactions, online and mobile banking, and green credit products. Adopting these practices helps control deforestation, save time and money, and provide faster customer service while developing the economy. However, online banking also poses security and technical risks that need addressing.
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- In 2012, over 12,000 projects were rated for environmental risk and over Tk. 270 billion was disbursed in green financing. However, utilization of climate risk funds was only 12.07% of allocated amounts.
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Green business aims to meet present needs without harming the environment by keeping its footprint small and reusing materials. In Bangladesh, opportunities exist in renewable energy like solar power given its sunny climate, as well as reusing scrap materials. However, challenges to green business in Bangladesh include lack of familiarity, need for large startup investments, and lack of technological development. Overcoming barriers like raising awareness and promoting ideas could help attract investors and establish green businesses.
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Respon dan Kesiapan Industri terhadap Green Banking
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Past, Present & Future of Green Banking in Bangladesh
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Green banking practices by the banks of bangladesh
An evaluation of green banking practices in bangladesh
An evaluation of green banking practices in bangladesh
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Presentation green-banking- bangladesh
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Green banking
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Meaning
Features of green banking
Sources of green banking
Green banking products
Benefits and challenges.
Employees' Perception towards In- House Green Banking Activities of the Comme...
1. The document examines employees' perceptions of in-house green banking activities at commercial banks in Cuddalore District, India.
2. 175 bank employees across 5 major commercial banks were surveyed about their bank's green practices like efficient equipment use, reducing environmental impact, and energy audits.
3. The results found no significant relationship between employees' acceptance of green activities and their gender, age, education level, salary, job role, or bank. However, managers had a significantly higher acceptance than staff.
Green Banking IBBL Final (1).doc
This internship report summarizes Md. Shakil Alom's internship at Islami Bank Bangladesh Limited focusing on their green banking practices. The report includes an introduction outlining the importance of green banking and climate change issues in Bangladesh. It then provides an overview of Islami Bank Bangladesh Limited's organizational structure, products/services, and investment areas. Several chapters analyze Islami Bank's green banking initiatives and performance in financing green projects. The conclusion provides recommendations based on survey findings and analysis of Islami Bank's green banking practices.
Green banking
The document discusses green banking in India. It introduces the topic and explains the reasons for green banking like changing consumer behavior and stricter government regulations. It outlines the benefits of green banking such as avoiding paperwork and loans at lower rates. Green banking products mentioned include green loans, green credit cards, and online banking. Methods of adopting green banking discussed are paperless statements, online bill payments, and reward debit/credit cards. The document provides an example of the State Bank of India's green initiatives and concludes that green banking provides opportunities for Indian banks but also financial burdens, so the government should support guidelines and incentives for effective green banking.
BMRI Transition Initiatives towards a low-carbon economy: Bank Mandiri Indonesia
Bank Mandiri has established a 3 pillar framework to implement sustainable finance and become a sustainability champion in Indonesia in accordance with regulations. The framework focuses on sustainable banking through green and social financing, sustainable operations through reducing emissions and empowering communities, and sustainability beyond banking through research and strengthening governance. Bank Mandiri aims to achieve net zero operational emissions by 2030 and has provided over Rp 228 trillion in green financing. Challenges in transition financing include developing clear definitions, transparency, innovative products, government support, and mitigating social impacts.
Prospects of GREEN-BANKING-PRESENTATION.pptx
This presentation includes slides of green banking on which 2nd year business undergrads presented the prospects of green banking in Bangladesh.
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A STUDY ON CUSTOMER AWARENESS ON GREEN BANKING IN SELECTED PUBLIC AND PRIVATE...
A STUDY ON CUSTOMER AWARENESS ON GREEN BANKING IN SELECTED PUBLIC AND PRIVATE...
Environmental Management practices: Banking Sector
Environmental Management practices: Banking Sector
An evaluation of green banking practices in bangladesh
An evaluation of green banking practices in bangladesh
Walking on a different path Social Welfare Approach of Banking in Bangladesh
Walking on a different path Social Welfare Approach of Banking in Bangladesh
A Study on Customer’s Awareness on Green Banking Initiatives in Selected Publ...
A Study on Customer’s Awareness on Green Banking Initiatives in Selected Publ...
Analysis of IFIC, South-East, BRAC, EBL, DBBL Company
Analysis of IFIC, South-East, BRAC, EBL, DBBL Company
Employees' Perception towards In- House Green Banking Activities of the Comme...
Employees' Perception towards In- House Green Banking Activities of the Comme...
BMRI Transition Initiatives towards a low-carbon economy: Bank Mandiri Indonesia
BMRI Transition Initiatives towards a low-carbon economy: Bank Mandiri Indonesia
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New product development
This document presents a new product development proposal for an Aloe Vera Lime Pie. Some key details:
- The pie contains aloe vera juice, lime juice, graham cracker crumbs, and other ingredients. It is packaged individually and has a 7 day shelf life.
- The pie is positioned as a healthy product due to the benefits of aloe vera for digestion and supporting the immune system.
- The target market is health conscious, higher income individuals in urban areas. The pie will be differentiated from competitors by emphasizing brand building and customer satisfaction.
- The total cost per 10 inch pie is 35Tk, with a basic cost of 25Tk, production and selling costs of 7
Motivation
Motivation refers to an employee's effort, direction, and persistence toward achieving organizational goals. Early motivation theories include Maslow's hierarchy of needs, McGregor's Theory X and Y, and Herzberg's two-factor theory. Contemporary theories include Alderfer's ERG theory, McClelland's need for achievement/power/affiliation, goal-setting theory, reinforcement theory, flow theory, intrinsic motivation theory, equity theory, and expectancy theory. Equity theory and expectancy theory focus on how employees evaluate rewards and outcomes compared to inputs and expectations.
Presentaion of group
People join groups for security, status, self-esteem, affiliation, power, and goal achievement. Groups have strengths like generating more complete information, offering diverse views and creativity, and increased acceptance of decisions, though they are generally less accurate than the best individual member. However, groups also have weaknesses such as being time-consuming, prone to conformity pressures, potentially dominated by some members, and having ambiguous responsibility.
Furniture sector of bangladesh
The document outlines details about the group "Vision Quest" and Bangladesh's furniture industry. It notes that the furniture industry includes 28,000 factories and 100,000 women workers, producing modern, wooden, cane, plastic and steel furniture. It exports to various international markets. The industry has strengths like low costs and government support, but weaknesses such as high import duties, lack of branding, and issues with power and policy stability. The conclusion calls for innovative young entrepreneurs to help develop the industry further.
Vision quest
Banglalink is one of the leading cellular companies in Bangladesh, formed in 2005 when Orascom Telecom acquired Shebaworld (019) and rebranded it. Banglalink aims to bring mobile telephony to the masses and improve people's lives through appropriate communication services. Its goals include making cellular phones affordable to all levels of people. The document discusses Banglalink's mission, vision, goals, slogan, packages, SWOT analysis, marketing mix, and corporate social responsibility initiatives. It concludes that maintaining policies around employee welfare and communications will help Banglalink achieve influence in its domain of operations.
Pran
The presentation provides an overview of Pran Group, a Bangladeshi food and beverages company established in 1981. It discusses the company's inception and growth, product categories including juice drinks, bakery items, and snacks. The presentation outlines the company's mission to improve livelihoods and generate employment. It also reviews Pran Group's corporate values, social responsibility initiatives, export history achieving national awards, and recommendations to adopt green technology and improve reporting.
Online bankingsecurity
Online banking provides paper-free transactions for account balances, transfers, bill payment and statements, but it requires strong security measures to protect users. Secure Socket Layer (SSL) encryption protects data transmitted between clients and servers, while public key infrastructure ensures privacy for both banks and customers through digital signatures, firewalls, and virtual private networks. As internet crimes rise, consumers must understand security risks and take responsibility by not leaving themselves vulnerable online, just as they would not leave their homes unlocked.
Mobilebankinginbangladesh
This presentation discusses mobile banking in Bangladesh. It begins with defining mobile banking and providing a brief history of its development. It then outlines the conceptual model of mobile banking and details the history of its emergence in Bangladesh. Key points covered include the current state of mobile banking in Bangladesh, the services it offers, how it works, its advantages and disadvantages, its role in economic development, and comparisons with neighboring countries. Recommendations are provided to expand adoption of mobile banking.
Developmentofislamicbankinbangladesh2 131205025322-phpapp02
The document summarizes the development of Islamic banking in Bangladesh. It provides background information on Bangladesh and defines Islamic banks as banks that are consistent with Islamic law and prohibit interest. It then lists the major Islamic banks in Bangladesh and discusses their objectives to avoid interest and undertake profitable business activities according to Islamic principles. The document also outlines the principles of Islamic banking including profit and loss sharing, fees for services, and ancillary principles. It provides an overview of the growth of Islamic banking in Bangladesh in terms of deposits, investments, foreign exchange, and net profit from 2011-2013. Finally, it identifies some barriers to the development of Islamic banking such as risk weighting and lack of regulation and legal frameworks.
U cash
UCash is a mobile financial service offered by United Commercial Bank Limited (UCBL) in Bangladesh that allows users to access basic banking services like deposits, withdrawals, transfers and balance checks via their mobile phones. A survey was conducted of UCash users to understand their experiences and satisfaction with the service. The majority of respondents found UCash to be useful, secure, and time-saving as it allows transactions to be done quickly from anywhere without visiting a bank branch. While some users reported occasional network issues, overall UCash was seen as providing an efficient way to conduct common banking transactions remotely via mobile.
Land administration
Bangladesh has a population of over 171 million people within an area of 147,570 square kilometers, making it one of the most densely populated countries. While GDP growth has been around 6.5% annually, only around 59% of the land is suitable for agriculture due to the high population density. The government is working to improve land management through digitalization of land mapping, registration, and administration systems using GPS and other IT tools to modernize land planning.
Land of gold beautiful bangladesh
The presentation introduces Bangladesh, providing key facts about its total area which is 143,998 km2 including 130,168 km2 of land and 13,830 km2 of water. Land administration functions in Bangladesh are divided into four components: juridical, regulatory, fiscal, and information management. Land use statistics are given for arable land, permanent crops, and other categories. The presentation also includes photos of rural and urban scenes in Bangladesh.
E banking
E-banking allows customers to conduct banking transactions electronically via the internet from the comfort of their own home. It provides advantages like saving time and money by bypassing bank lines, getting an overview of finances, and avoiding paper bills. However, e-banking also faces security threats like viruses, spyware, and phishing. To provide safe and secure e-banking, banks implement measures like logon security, encryption, SMS notifications, automatic timeouts, and two-factor authentication using a combination of factors only the user possesses to better verify their identity.
Team vision quest
UBER is facing several challenges in expanding its service in Bangladesh, including limited internet access, a lack of credit/debit cards, and overestimations by GPS systems. Additionally, there is strong competition from taxis and auto-rickshaws, and many people are unfamiliar with using ride-hailing apps. To address these issues, UBER proposes short-term solutions like establishing call centers and accepting mobile payments. Long-term recommendations include improving the GPS system, adding new payment options like an e-wallet, and partnering with telecom companies to provide free data access to the UBER app to increase internet usage. UBER's goals are to provide convenient transportation across Dhaka and gain more user-friendly customers
Presentation on-energy-drinks (vision quest)
This document presents research on factors influencing university students' consumption of energy drinks in Dhaka, Bangladesh. The research found that taste, brand, caffeine, feeling refreshed, and brand loyalty were positively correlated with students' purchase intentions and self-satisfaction regarding energy drinks. Most students preferred the brand Speed and consumed drinks occasionally or monthly rather than daily, and daily consumers reported being less health conscious. The research aims to identify purchase factors for energy drinks and inform future studies on university student consumption.
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一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
原版一模一样【微信：741003700 】【英国伦敦艺术大学毕业证（ual毕业证书）文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
How to Use Payment Vouchers in Odoo 18.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
【主营项目】
一.毕业证【微bwp0011】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Enhancing Asset Quality: Strategies for Financial Institutions
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
RMIT硕士学位证成绩单【微信95270640】《皇家墨尔本理工大学毕业证书》《QQ微信95270640》学位证书电子版：在线制作皇家墨尔本理工大学毕业证成绩单GPA修改（制作RMIT毕业证成绩单RMIT文凭证书样本）、皇家墨尔本理工大学毕业证书与成绩单样本图片、《RMIT学历证书学位证书》、皇家墨尔本理工大学毕业证案例毕业证书制作軟體、在线制作加拿大硕士学历证书真实可查.
【本科硕士】皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.Recently uploaded (20)
Upanishads summary with explanations of each upnishad
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The Impact of Generative AI and 4th Industrial Revolution
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OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
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Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
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Enhancing Asset Quality: Strategies for Financial Institutions
Enhancing Asset Quality: Strategies for Financial Institutions
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...
Greenbankinginbangladesh 150710035938-lva1-app6892
- 1. Green Banking in Bangladesh
- 2. What is Green Banking !!??
- 4. How do Banks benefit from Green Banking ? More Cost Savings -> More revenue Better resource management Better Brand Image Better response to consumer demand Healthier workplace Incentives Sustainable Business
- 5. Green Banking: Local Practices
- 9. Green Banking Initiative: Commercial Banks • Policy Formulation & Implementation • Budget Allocation & Utilization • Green Banking Unit Formation • Environmental Risk Rating (EnvRR) • Green Financing • Climate Risk Fund Utilization • Green Marketing and Capacity Building • Online Banking • In-house Environment Management • Sector Specific Environmental Policy • Green Strategic Planning • Environmental Risk Management Plan • Disclosure and Reporting
- 10. Green Banking Products & Services BRAC Bank: Planet Card Shahjalal Islami Bank •Shobujayon - A product to finance tree plantation •Shobuj Shokti - A product for financing renewable energy projects
- 11. Standard Chartered Bank: e Statement Bank Asia: Internet Banking
- 12. Dutch Bangla Bank Ltd. : Mobile Banking Islami Bank Bangladesh Ltd. : SMS Banking
- 13. Green Projects
- 14. Effluent Treatment Plant (ETP)
- 15. Bio Gas Plant
- 20. Major Green Banking Activities at a Glance 41 banks have formulated policy for green banking 45 banks have formed a Green Banking Unit 41 banks have introduced a Green Office Guide EnvRR has been done for 7165 projects up to March 2012 6896 rated projects have been financed up to March 2012 504557.61 million taka has been disbursed up to March 2012 185 branches/SME unit offices are powered by solar energy (up to March 2012) 38 banks are fully automated (as of June 2012) 3042 branches have been facilitated with online coverage (up to March 2012) 5 banks have utilized Tk. 90.77 million from Climate Change Risk Fund(during 2nd quarter, 2012). Banks have financed Tk, 62026.47 million as Green Finance including projects having ETP (during 2nd quarter, 2012)
- 21. Thank You !