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Presentation on mutual funds in pakistanRizwan Ahmad
Mutual Funds
Portfolio/Fund Manager
Net Asset Value
Types of Mutual Funds
By Structure
By Investment Objective
Sources of Profit generation
Mutual Funds industry in Pakistan
Rules Govern Mutual Funds in Pakistan
Mutual Funds Companies in Pakistan
NBP Fullerton Asset Management Limited
Sponsors
Funds name
NAFA Money Market Fund
This presentation include the brief history of Mutual funds in Pakistan, its present worth, future trends and prospects, Hopefully will help the interested students.
Asante Capital releases Spotlight on Africa, highlighting macro trends in the region and global emerging market comps, fx fluctuations, LP sentiment and sources of capital, among other data points.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
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.
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Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just what'sapp this number below. I sold about 3000 pi coins to him and he paid me immediately.
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
1. Elemental Economics - Introduction to mining.pdf
Pakistan Mutual Funds Analytical Report June 2012
1. DAWOOD CAPITAL MANAGEMENT LIMITED
JUNE 2012
MUTUAL FUNDSMUTUAL FUNDS
ANALYTICAL REPORTANALYTICAL REPORT
MUTUAL FUNDS, A BETTER
INVESTMENT PLANNING
Dawood Capital Management Limited
5B Lakson Square Building No. 1, Sarwar Shaheed Road, Karachi—74200, Pakistan
Tel: (92 21) 3562 1001-6 Toll Free: 0800-FUNDS (38637) & 0800-CHILD (24453) Fax: (92 21) 3562 1010
URL: www.edawood.com Email: dcm@edawood.com
Find us on: @dawoodfunds
About the Author:
Mustansir Shabbar is Master of Computer Science and Master of Public Administration (Finance) from
Karachi University and associated with DCM for over 9 years. He has expertise in customer services &
Research and working as a key member for every DCM Funds since inception.
Email: mustansir@edawood.com, mustansir.shabbar@gmail.com
Blog: mustansirchoonawala.blogspot.com
Cell: +92 321 374 6282
MUSTANSIR SHABBAR
Head of Customer Services
DCM Ltd.
Source: MUFAP & FMR of AMCs
2. INDUSTRY ANALYSIS
OVERALL INDUSTRY
In Jun’12, AMC industry has recorded a slight
decrease of 3.19% MoM and recorded a
whopping increase of 53.29% YTD in overall
AUMs to reach 380.47 bn. The MoM decrease
is inline with our previous month’s
anticipation of year end closing for FY12 and
competent banks deposit rates for year end
balance requirements. In the next quarter, we
shall see a slight increase in MoM AUMs.
CONVENTIONAL VS. ISLAMIC
Besides overall position, the conventional
AUMs were decreased by 3.22% MoM as
compared to 2.55% decrease in Islamic AUMs.
However, on QoQ and YTD basis conventional
AUMs were increased by 16.2% and 57.2% as
compared to increase of 2.19% and 32.61% in
Islamic AUMs respectively. Conventional
especially sovereign funds (medium to long
term) were the center of attraction for
investors for FY’12.
MUTUAL FUNDS VS. PENSION FUNDS
Overall mutual funds have witnessed a
reduction of 3.29% MoM as compared to a
growth of 13.7% in Pension Funds. On QoQ
and YTD, mutual funds showed a growth of
13.95% and 53.15% as compared to the
growth of 30.16% and 75.93% in Pension
Funds for QoQ and YTD respectively. The
added tax benefits introduced in VPS have
played a vital role in FY’12 in bringing
investors towards retirement planning
products especially in Islamic schemes.
BOND FUNDS
Bond Funds have witnessed a downside of
4.53% MoM. The major loser was the money
market category by 6.91% MoM as opposed
to income and aggressive income categories
who were reduced by 1.33% and 1.85% MoM.
On QoQ and YTD Bond Funds have showed a
growth of 19.99% and remarkable 84.54%
respectively. The major gainer in FY’12
remained income category increased by
94.78% YTD. Investors took positions in long
term sovereign debt and realized from short
term in anticipation of lowering interest rates
in upcoming SBP MPS.
EQUITY FUNDS
Equity Funds saw a meager growth of 2.34%
MoM. On QoQ and YTD, they observed a
growth of 1.40% and 1.49% respectively.
Equity market remained volatile throughout
FY’12 due to various macro-economic issues
including Pak-US relationship, political
instability, utility shortages, war against
terrorism, production slowdowns and
especially debt defaults by major corporates.
HYBRID FUNDS
Hybrid Funds witnessed a decline of 1.22%
MoM. On QoQ and YTD they have shown a
decline of 4.98% and 0.08%respectively. The
reason may be the current market volatility
which urged the investors and money
managers to go for risk averse perspectives
and park their investments in fixed income
and money market especially in longer tenor
sovereign instruments to avoid any market
losses.
SPECIAL FUNDS
These funds have witnessed a decline of
24.50% MoM. Primarily this was the result of
the underlying indices volatility and investors’
preferences. Further, on QoQ and YTD, they
have shown a decline of 34.07% and 9.17%
respectively. The investment strategies of
these funds are designed for special segment
of investors looking to take advantage of or
track the particular segment of capital
markets. This category is getting unpopular as
their AUMs are depleting by the end of every
period. Some very serious steps and
interventions are needed to bring back life to
this special segment of funds.
PENSION FUNDS – CONVENTIONAL VS.
ISLAMIC
Conventional Pension Funds have shown a
growth of 11.97% MoM as compared of
14.90% growth in Islamic. On QoQ and YTD
basis, conventional PFs have witnessed a
growth of 30.13% and 67.93% as compared to
the growth of 30.18% and massive 81.73% in
Islamic PFs respectively. This indicates the
inclination of investors towards Islamic
savings options for retirement planning. This
is the very positive sign for Islamic Financial
Industry. Also the added tax benefits are
attracting more and more investors towards
this mode of investments.
THE MAJOR GAINER IN FY’12
REMAINED INCOME
CATEGORY INCREASED BY
94.78% YTD.
3. On the AMCs front, ABL Asset
Management has maintained its top
position in FY’12 with the highest
14.89% share of the industry with
56.66 bn of AUMs. However, it has
witnessed a decline of 9.27% in
AUMs on MoM but still impressively
rose by 233.53% since Jul’11.
Following ABL, UBLFM is once again
the second largest in AUMs having
12.5% share and then NIT, NAFA
and MCBAH having 12.42%, 11.98%
and 11.48% share respectively in
AUMs.
On MoM basis in terms of AUMs;
the major gainer was only Alfalah
GHP 18.17% and the major losers
were JSIL 11.49% and FAML 11.44%.
However, in FY’12, the major
contributors in terms of AUMs are
ABL AMC 233.53%, NAFA 166.87%,
UBLFM 83.11%, LIM 78.82%, AGHP
76.94%, HBL AM 73.10% and FHAM
62.44% rise in overall AUMs.
ABL AMC HAS
MAINTAINED ITS TOP
POSITION IN FY’12 WITH
THE HIGHEST 14.89% SHARE
OF THE INDUSTRY WITH
56.66 BILLION OF AUMS.
AMCs REVIEW
The Payouts of the industry remained
overall satisfactory in FY’12. It has become
the trend in the current industry to
announce monthly/quarterly payouts in
income and money market funds to
attract more investors who want to realize
their earnings at regular intervals.
The overall industry has earned an
average return of 10.79% per annum and
paid an average 9.35% payouts in FY’12.
The highest average returns were earned
by Safeway Funds 24.97%, however, the
highest payouts were paid by Almeezan
Investments 16.36% in FY’12.
PAYOUTS — FY’12
THE OVERALL INDUSTRY HAS
EARNED AN AVERAGE RETURN OF
10.79% & PAID AN AVERAGE
9.35% PAYOUTS IN FY’12.
NEW FUNDS LAUNCHED IN JUN’12
# Fund Name AMC Category Date
4. Sovereign Investments:
It includes T’Bill, GoP Ijarah & PIBs. It
constitutes about 51.85% (PKR 200 bn)
of the total investments made by AMCs
having T’Bills being the highly preferred
mode comprises of 43.54% (168 bn).
Due to prevailing volatility in the
market, most of the funds used to park
their idle money in sovereign papers,
which are considered to be the safest
and most liquid, and take less exposure
in other debts and equities to maintain
their capital protection and yield
consistency.
The recent increase in income and
money market funds is the major factor
of this high allocation as newly
launched funds (either conventional or
Islamic) used to take maximum
exposures in these sovereign issues to
maintain their stability ratings, liquidity
and definitely attract more risk averse
investors. Income and Money Market
funds jointly have 49.33% (95%, PKR
192 bn) out of overall exposure in this
category.
In anticipation of lowering interest rate
by SBP in its next MPS, most funds have
reduced their exposures in short term T
-Bills and took exposures in medium to
long term sovereign papers which was,
in our opinion, wise decision by fund
managers. However, with reduced
interest rates, the future yields of these
funds will be reduced and few investors
may direct towards equity investments.
Among the AMCs, ABL AMC is the
largest investor of the sovereign
investments i.e. 11.73% (23%, PKR 45
bn) out of overall exposure, through its
funds as obvious from its largest AUMs.
Following ABL, NAFA is the second
largest with 8.92% (17%, PKR 17 bn)
out of total exposure by AMCs.
Equities:
It constitutes 20.2% (PKR 78 bn) of the
total investments by AMCs. Throughout
the year, it was not the preferred mode
of investment by any other funds
except for the funds who are purely
equity. Equity funds represents 18.27%
(90%, PKR 71 bn) out of overall equity
exposure. The reasons behind were
mainly, high volatility, low returns,
political instability, power shortages to
production sectors, major defaults etc.
Among the AMCs, NIT still was the
largest investor of equity representing
9.37% (46%, PKR 36 bn) out of overall
equity exposure. NIT still holds the
largest open end equity fund of the
nation.
Following NIT, PICIC AMC was the
second largest through its closed end
funds representing 2.89% (14%, PKR 11
bn) out of total exposure.
With the anticipation of lowering
interest rates in up coming MPS by SBP,
equity investments may increase in the
coming months of the next FY.
SOVEREIGN IVESTMENTS
CONSTITUTES 51.85% SHARE WITH
ABL AMC REPRESENTING
LARGEST 11.73% OUT OF TOTAL
INVESTMENTS.
ASSET ALLOCATIONS
EQUITY IVESTMENTS
CONSTITUTES 20.2% SHARE WITH
NIT REPRESENTING LARGEST
9.37% OUT OF TOTAL
INVESTMENTS.
Tbills, 43.54%
Equities, 20.22%
Cash, 11.24%
Govt Backed/ Gtd.
Sec., 7.81%
Placements with
Banks & DFIs, 7.40%
TFCs / Sukuks, 4.99%
Others, 1.67%
Reverse Repos Ag.
Govt. Sec., 1.14%
Placements With
NBFCs, 0.95%
PIBs, 0.50%
CPs, 0.37%
CFS / MF, 0.17%
Reverse Repos Ag.
All Other Sec., 0.00%
Spread Transactions,
0.00%
11.73%
8.92%
6.69%
6.35%
4.10%
2.33%
2.29%
1.89%
1.43%
1.06%
0.80%
0.79%
0.76%
0.75%
0.61%
0.45%
0.25%
0.23%
0.18%
0.18%
0.04%
0.03%
0.00%
0.00%
0%
2%
4%
6%
8%
10%
12%
14%
ABLAMC
NAFA
UBLFM
MCBAH
Meezan
HBLAM
Askari
NIT
Lakson
Atlas
AGHP
JSIL
IGIIM
PICIC
FHAM
Faysal
KASB
BMA
PakOman
DCM
AKDIM
FCIM
Safeway
NAMCO
Sovereign Investments - AMCs
0.41%
19.09%
30.24%
0.81%
0.33%
0.40%
0.00%
0.15%
0.06%
0.19%
0.16%
0.01%
0%
5%
10%
15%
20%
25%
30%
35%
Agg.Fix.
Income
Income
Money
Market
Equity
Asset
Allocation
Balanced
Index
Tracker
Cap.
Protected
FoF
PensionDebt
PensionMM
Pension
Equity
Sovereign Investments - Categories
0.00%
0.00%
0.00%
18.27%
0.38%
0.93%
0.16%
0.03%
0.27%
0.01%
0.00%
0.18%
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
Agg.Fix.
Income
Income
Money
Market
Equity
Asset
Allocation
Balanced
Index
Tracker
Cap.
Protected
FoF
Pension
Debt
PensionMM
Pension
Equity
Equities - Categories
0.00%
0.00%
0.00%
18.27%
0.38%
0.93%
0.16%
0.03%
0.27%
0.01%
0.00%
0.18%
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
Agg.Fix.
Income
Income
Money
Market
Equity
Asset
Allocation
Balanced
Index
Tracker
Cap.
Protected
FoF
Pension
Debt
PensionMM
Pension
Equity
Equities - Categories