The document appears to be a transaction log showing credits earned for translation projects. It lists over 50 transactions with details like project name, word count, source and target languages, date, and credit amount. The largest transaction was a 1484 word technical text translated from English to Arabic earning a credit of 13,059.20. The total credits in the balance increased from an initial amount to 47,842.40 after all listed transactions.
The document provides an overview of AccessBank Azerbaijan, including its mission, shareholders, history, key financial highlights from 2014, and statements from the Chairman and CEO. It also includes sections on operational business lines like lending and banking services, as well as governance, CSR, financial statements, and outlook.
Account number 4 ht 147973 -statement period 02012013 - 02282013Garold Saatkamp
This statement summarizes Gary and Suzanne Saatcamp's joint investment account for the period of February 1-28, 2013. It shows beginning and ending account values of $151,990.50 and $151,840.96 respectively. During the period there was $500 in cash deposits, $1,700 in cash withdrawals, and the account balance increased by $639.17 due to dividends/interest of $411.29 and a change in the market value of holdings. The majority of the account (99%) is invested in mutual funds.
This document is a statement of account for M/S SWETA ISPAT from December 1, 2010 to January 22, 2011. It shows transactions including credits, debits and payments made by cheque, resulting in a balance of Rs. 2,41,463 as of December 29, 2010. Numerous debits are listed for purchases from SWETA ISPAT as well as other companies, and some credits are shown for payments received.
1) The document discusses bank reconciliation statements, which reconcile a business's bank account records with its bank statement each month.
2) A bank reconciliation statement lists adjustments like unpresented checks and uncredited deposits to explain differences between the ending balances in the bank account and bank statement.
3) It walks through preparing a bank reconciliation statement step-by-step, including updating the bank account, identifying reconciling items, and completing the statement to show equal ending balances.
This document discusses bank reconciliation statements. It defines a bank reconciliation statement as a schedule that reconciles any differences between the bank balance shown on the bank statement and the cash book. The document outlines reasons for differences between the two balances, including unpresented checks, uncredited deposits, and bank charges. It provides rules for debiting and crediting items in a bank reconciliation statement and steps to prepare the reconciliation, including identifying omitted transactions and adjusting entries to make the balances agree.
Lightning Talk #9: How UX and Data Storytelling Can Shape Policy by Mika Aldabaux singapore
How can we take UX and Data Storytelling out of the tech context and use them to change the way government behaves?
Showcasing the truth is the highest goal of data storytelling. Because the design of a chart can affect the interpretation of data in a major way, one must wield visual tools with care and deliberation. Using quantitative facts to evoke an emotional response is best achieved with the combination of UX and data storytelling.
The document appears to be a transaction log showing credits earned for translation projects. It lists over 50 transactions with details like project name, word count, source and target languages, date, and credit amount. The largest transaction was a 1484 word technical text translated from English to Arabic earning a credit of 13,059.20. The total credits in the balance increased from an initial amount to 47,842.40 after all listed transactions.
The document provides an overview of AccessBank Azerbaijan, including its mission, shareholders, history, key financial highlights from 2014, and statements from the Chairman and CEO. It also includes sections on operational business lines like lending and banking services, as well as governance, CSR, financial statements, and outlook.
Account number 4 ht 147973 -statement period 02012013 - 02282013Garold Saatkamp
This statement summarizes Gary and Suzanne Saatcamp's joint investment account for the period of February 1-28, 2013. It shows beginning and ending account values of $151,990.50 and $151,840.96 respectively. During the period there was $500 in cash deposits, $1,700 in cash withdrawals, and the account balance increased by $639.17 due to dividends/interest of $411.29 and a change in the market value of holdings. The majority of the account (99%) is invested in mutual funds.
This document is a statement of account for M/S SWETA ISPAT from December 1, 2010 to January 22, 2011. It shows transactions including credits, debits and payments made by cheque, resulting in a balance of Rs. 2,41,463 as of December 29, 2010. Numerous debits are listed for purchases from SWETA ISPAT as well as other companies, and some credits are shown for payments received.
1) The document discusses bank reconciliation statements, which reconcile a business's bank account records with its bank statement each month.
2) A bank reconciliation statement lists adjustments like unpresented checks and uncredited deposits to explain differences between the ending balances in the bank account and bank statement.
3) It walks through preparing a bank reconciliation statement step-by-step, including updating the bank account, identifying reconciling items, and completing the statement to show equal ending balances.
This document discusses bank reconciliation statements. It defines a bank reconciliation statement as a schedule that reconciles any differences between the bank balance shown on the bank statement and the cash book. The document outlines reasons for differences between the two balances, including unpresented checks, uncredited deposits, and bank charges. It provides rules for debiting and crediting items in a bank reconciliation statement and steps to prepare the reconciliation, including identifying omitted transactions and adjusting entries to make the balances agree.
Lightning Talk #9: How UX and Data Storytelling Can Shape Policy by Mika Aldabaux singapore
How can we take UX and Data Storytelling out of the tech context and use them to change the way government behaves?
Showcasing the truth is the highest goal of data storytelling. Because the design of a chart can affect the interpretation of data in a major way, one must wield visual tools with care and deliberation. Using quantitative facts to evoke an emotional response is best achieved with the combination of UX and data storytelling.
National Institute of Securities Markets (NISM) signs MoU with Securities Industry Development Corporation (SIDC) Malaysia to collaborate on capacity building activities in emerging economies, predominantly in ASEAN region. NISM also held its third convocation where the Director discussed domestic and international expansion plans. Updates were provided on educational programs, including the completion of the first term of PGPSM and ongoing terms for CSL and CFERM.
The document summarizes activities at the National Institute of Securities Markets (NISM) from May to July 2013. It announces that construction has commenced on NISM's new campus in Patalganga, which will boost NISM's activities. It also discusses new programs and partnerships established by NISM during this period, including conducting training for SEBI employees, collaborating with the Asia-Pacific Institute of Management, and partnering with SBI Mutual Fund to conduct certification exams.
The document provides a summary of regulatory changes, activities at NISM, and other initiatives from February to April 2013. Some key points include:
- SEBI made several regulatory changes around redressing investor grievances, permitting new collateral for FIIs, and introducing product labeling for mutual funds.
- NISM held its 2nd annual convocation in April 2013 and launched new certification examinations. It also conducted a study on corporate sector performance.
- RBI permitted greater investment limits for FIIs and allowed core investment companies to invest in insurance. It also standardized cheque security features.
- IRDA and PFRDA issued new guidelines around insurers investing in alternative investment funds and replacing an existing National Pension
The document summarizes activities conducted by the National Institute of Securities Markets (NISM) from November 2012 to January 2013. It discusses:
1) NISM organized a financial literacy quiz for school students in Mumbai on January 25th, with 8 teams participating and 3 being awarded prizes.
2) NISM's Pocket Money Programme for imparting financial literacy to students through trained teachers now covers over 600 schools.
3) NISM conducted training programs to certify over 500 individuals as financial literacy resource persons to educate various groups across districts.
4) NISM launched new certification exams and continued professional education programs to expand access and professional development in securities markets.
The document discusses the National Institute of Securities Markets (NISM) in India and its School for Securities Education (SSE).
NISM was established by the Securities and Exchange Board of India (SEBI) to undertake securities market education and research. It is governed by a Board of Governors and envisions playing a catalytic role in promoting research and education through close interfaces with policymakers and industry, continuous knowledge creation and dissemination, and collaboration.
SSE is entrusted with providing classroom education at the professional and master's level in securities markets. Its Post Graduate Programme in Securities Markets (PGPSM) equips students to be complete securities market professionals to work in roles like analysts, investment managers, and more across
NISM has launched several new programs and certifications:
- A new Certificate in Securities Law program aimed at providing professionals in securities markets and corporations.
- The launch of the NISM-Series-VIII: Equity Derivatives Certification Examination in October 2012 and plans to introduce more certifications.
- Working to conduct certification exams in more locations and introduce Continuous Professional Education through eLearning.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
NISM published their annual report for 2010-2011 which showed that they held 24 seminar and training programs on securities markets that were attended by over 2 million people. They also conducted work on certification and exam development for securities market professionals.
The document discusses the Post Graduate Programme in Securities Markets (PGPSM) offered by the National Institute of Securities Markets (NISM) for the 2011-2012 academic year. NISM, established by the Securities and Exchange Board of India (SEBI), offers the one-year full time PGPSM program to prepare competent professionals for the securities markets. The first batch of the program has seen graduates obtain jobs in various entities within the securities industry.
The document summarizes various events that took place at the National Institute of Securities Markets (NISM) in October 2011. It discusses (1) a pocket money training workshop for teachers in Chennai to promote financial literacy, (2) empanelment and training workshops for financial education resource persons in northern and southern India, (3) a visit by a Zimbabwean delegation to learn about India's achievements in regulating securities markets, and (4) an induction program for newly recruited officers of the Securities and Exchange Board of India (SEBI).
The document summarizes a workshop organized by NISM on developing a curriculum for financial literacy in school education. It attended by representatives from regulatory agencies like RBI, SEBI, IRDA, and PFRDA as well as organizations like NSE, BSE, and CBSE. The document also describes two programs conducted by NISM for school teachers on pocket money management and a workshop for new financial literacy resource persons in the Western region. Finally, it provides an excerpt from the second part of an article on managing the risks of financial models.
Dr. C. Rangarajan's Speech at NISM Convocation 2011NISM
This document summarizes a convocation address given by Dr. C. Rangarajan, Chairman of the Economic Advisory Council to the Prime Minister of India, at the National Institute of Securities Markets in 2011. It provides background on Dr. Rangarajan's career and accomplishments. It then discusses some key issues in securities market regulation and capital flows, noting the growth of India's securities markets but also failures of regulation that contributed to the global financial crisis.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
National Institute of Securities Markets (NISM) signs MoU with Securities Industry Development Corporation (SIDC) Malaysia to collaborate on capacity building activities in emerging economies, predominantly in ASEAN region. NISM also held its third convocation where the Director discussed domestic and international expansion plans. Updates were provided on educational programs, including the completion of the first term of PGPSM and ongoing terms for CSL and CFERM.
The document summarizes activities at the National Institute of Securities Markets (NISM) from May to July 2013. It announces that construction has commenced on NISM's new campus in Patalganga, which will boost NISM's activities. It also discusses new programs and partnerships established by NISM during this period, including conducting training for SEBI employees, collaborating with the Asia-Pacific Institute of Management, and partnering with SBI Mutual Fund to conduct certification exams.
The document provides a summary of regulatory changes, activities at NISM, and other initiatives from February to April 2013. Some key points include:
- SEBI made several regulatory changes around redressing investor grievances, permitting new collateral for FIIs, and introducing product labeling for mutual funds.
- NISM held its 2nd annual convocation in April 2013 and launched new certification examinations. It also conducted a study on corporate sector performance.
- RBI permitted greater investment limits for FIIs and allowed core investment companies to invest in insurance. It also standardized cheque security features.
- IRDA and PFRDA issued new guidelines around insurers investing in alternative investment funds and replacing an existing National Pension
The document summarizes activities conducted by the National Institute of Securities Markets (NISM) from November 2012 to January 2013. It discusses:
1) NISM organized a financial literacy quiz for school students in Mumbai on January 25th, with 8 teams participating and 3 being awarded prizes.
2) NISM's Pocket Money Programme for imparting financial literacy to students through trained teachers now covers over 600 schools.
3) NISM conducted training programs to certify over 500 individuals as financial literacy resource persons to educate various groups across districts.
4) NISM launched new certification exams and continued professional education programs to expand access and professional development in securities markets.
The document discusses the National Institute of Securities Markets (NISM) in India and its School for Securities Education (SSE).
NISM was established by the Securities and Exchange Board of India (SEBI) to undertake securities market education and research. It is governed by a Board of Governors and envisions playing a catalytic role in promoting research and education through close interfaces with policymakers and industry, continuous knowledge creation and dissemination, and collaboration.
SSE is entrusted with providing classroom education at the professional and master's level in securities markets. Its Post Graduate Programme in Securities Markets (PGPSM) equips students to be complete securities market professionals to work in roles like analysts, investment managers, and more across
NISM has launched several new programs and certifications:
- A new Certificate in Securities Law program aimed at providing professionals in securities markets and corporations.
- The launch of the NISM-Series-VIII: Equity Derivatives Certification Examination in October 2012 and plans to introduce more certifications.
- Working to conduct certification exams in more locations and introduce Continuous Professional Education through eLearning.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like depression and anxiety.
NISM published their annual report for 2010-2011 which showed that they held 24 seminar and training programs on securities markets that were attended by over 2 million people. They also conducted work on certification and exam development for securities market professionals.
The document discusses the Post Graduate Programme in Securities Markets (PGPSM) offered by the National Institute of Securities Markets (NISM) for the 2011-2012 academic year. NISM, established by the Securities and Exchange Board of India (SEBI), offers the one-year full time PGPSM program to prepare competent professionals for the securities markets. The first batch of the program has seen graduates obtain jobs in various entities within the securities industry.
The document summarizes various events that took place at the National Institute of Securities Markets (NISM) in October 2011. It discusses (1) a pocket money training workshop for teachers in Chennai to promote financial literacy, (2) empanelment and training workshops for financial education resource persons in northern and southern India, (3) a visit by a Zimbabwean delegation to learn about India's achievements in regulating securities markets, and (4) an induction program for newly recruited officers of the Securities and Exchange Board of India (SEBI).
The document summarizes a workshop organized by NISM on developing a curriculum for financial literacy in school education. It attended by representatives from regulatory agencies like RBI, SEBI, IRDA, and PFRDA as well as organizations like NSE, BSE, and CBSE. The document also describes two programs conducted by NISM for school teachers on pocket money management and a workshop for new financial literacy resource persons in the Western region. Finally, it provides an excerpt from the second part of an article on managing the risks of financial models.
Dr. C. Rangarajan's Speech at NISM Convocation 2011NISM
This document summarizes a convocation address given by Dr. C. Rangarajan, Chairman of the Economic Advisory Council to the Prime Minister of India, at the National Institute of Securities Markets in 2011. It provides background on Dr. Rangarajan's career and accomplishments. It then discusses some key issues in securities market regulation and capital flows, noting the growth of India's securities markets but also failures of regulation that contributed to the global financial crisis.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
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 Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
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.