Analyzing customer satisfaction level at standard chartered bankWINNERbd.it
This document is an internship report submitted by Afrin Akter Rumi to analyze customer satisfaction levels at Standard Chartered Bank's Narayangonj branch in Bangladesh. It provides background on the bank, describes the internship experience and objectives of analyzing customer service. Data collection methods included interviews, questionnaires, and observations of bank activities and customers. The report aims to evaluate customer satisfaction, identify ways to improve service, and examine the bank's performance. Some limitations to the study include inability to access all bank data and preparing the report within the internship period.
An instrument is created or adapted to make musical sounds. In principle, any object that produces sound can be a musical instrument if it is used for the purpose of making music. Any object can become a musical instrument through being used purposefully to create music.
An instrument is created or adapted to make musical sounds. In principle, any object that produces sound can be a musical instrument if it is used for the purpose of making music. Any object can become a musical instrument through being used purposefully to create music.
This document provides instructions for upgrading the firmware version of the Huawei E5332 device from 21.344.27.00.1080 to a newer version. It describes preparing for the upgrade, downloading the update file, going through the upgrade process step-by-step via a upgrade tool, and verifying the new firmware version afterwards. Troubleshooting steps are also included in case issues arise during the upgrade process.
This document provides a microcurricular plan for an English class focusing on culture. The plan outlines the unit objectives, skills, and performance criteria to be developed. It includes key listening, reading, speaking and writing indicators. Methodological strategies are proposed, along with resources, evaluation activities, and techniques. An adapted curriculum is prepared to specify any needed educational adjustments.
This document outlines Piaget's theory of cognitive development, specifically the concrete operational stage from ages 7 to 11. During this stage, children develop logical thought and abilities like inductive-deductive reasoning, flexible thinking, understanding object permanence and conservation of quantity, classification, serialization, transitivity, and reversibility of thought. They can understand relationships between objects and ideas in a logical, systematic way.
Este documento describe diferentes tipos de flujo de fluidos, incluyendo flujo laminar, flujo turbulento, pérdida de carga, línea piezométrica y línea de carga. Explica que en el flujo laminar las partículas siguen trayectorias paralelas, mientras que en el flujo turbulento hay un intercambio de cantidad de movimiento entre partículas. También define la pérdida de carga como la pérdida de energía debido al rozamiento, y explica que la línea piezométrica y la
Analyzing customer satisfaction level at standard chartered bankWINNERbd.it
This document is an internship report submitted by Afrin Akter Rumi to analyze customer satisfaction levels at Standard Chartered Bank's Narayangonj branch in Bangladesh. It provides background on the bank, describes the internship experience and objectives of analyzing customer service. Data collection methods included interviews, questionnaires, and observations of bank activities and customers. The report aims to evaluate customer satisfaction, identify ways to improve service, and examine the bank's performance. Some limitations to the study include inability to access all bank data and preparing the report within the internship period.
An instrument is created or adapted to make musical sounds. In principle, any object that produces sound can be a musical instrument if it is used for the purpose of making music. Any object can become a musical instrument through being used purposefully to create music.
An instrument is created or adapted to make musical sounds. In principle, any object that produces sound can be a musical instrument if it is used for the purpose of making music. Any object can become a musical instrument through being used purposefully to create music.
This document provides instructions for upgrading the firmware version of the Huawei E5332 device from 21.344.27.00.1080 to a newer version. It describes preparing for the upgrade, downloading the update file, going through the upgrade process step-by-step via a upgrade tool, and verifying the new firmware version afterwards. Troubleshooting steps are also included in case issues arise during the upgrade process.
This document provides a microcurricular plan for an English class focusing on culture. The plan outlines the unit objectives, skills, and performance criteria to be developed. It includes key listening, reading, speaking and writing indicators. Methodological strategies are proposed, along with resources, evaluation activities, and techniques. An adapted curriculum is prepared to specify any needed educational adjustments.
This document outlines Piaget's theory of cognitive development, specifically the concrete operational stage from ages 7 to 11. During this stage, children develop logical thought and abilities like inductive-deductive reasoning, flexible thinking, understanding object permanence and conservation of quantity, classification, serialization, transitivity, and reversibility of thought. They can understand relationships between objects and ideas in a logical, systematic way.
Este documento describe diferentes tipos de flujo de fluidos, incluyendo flujo laminar, flujo turbulento, pérdida de carga, línea piezométrica y línea de carga. Explica que en el flujo laminar las partículas siguen trayectorias paralelas, mientras que en el flujo turbulento hay un intercambio de cantidad de movimiento entre partículas. También define la pérdida de carga como la pérdida de energía debido al rozamiento, y explica que la línea piezométrica y la
S10: The alumni of the Masters of Business Administration Program in Global B...Kullarat Phongsathaporn
"Conference: Crowd Funding: Digital Fundraising - Opportunities and Challenges" by The alumni of the Masters of Business Administration Program in Global Business Management (XMBA) of Thammasat University, Panelist for "Crowd Funding: Digital Fundraising - Opportunities and Challenges" (5 Feb 2020)
S10: The alumni of the Masters of Business Administration Program in Global B...Kullarat Phongsathaporn
"Conference: Crowd Funding: Digital Fundraising - Opportunities and Challenges" by The alumni of the Masters of Business Administration Program in Global Business Management (XMBA) of Thammasat University, Panelist for "Crowd Funding: Digital Fundraising - Opportunities and Challenges" (5 Feb 2020)
2. Project Financing: Pros & Cons
Project Financing
Character
• Structured project financing under Special Purpose Vehicle (SPV) with appropriated risk
allocation and/or limited shareholder undertaking
Pros
• Minimize liability to the sponsor under limited to none recourse basis
• The longest loan tenor possible (subject to project cashflow)
• Optimum gearing ratio (D/E Ratio) at the project level
Cons
• More complicated on documentations and longer legal / structuring process
• More conditions and covenants required
• Required to hire independent experts
3. Indicative Project Financing Terms of Typical Project Finance
Purpose Financial Facility to support development and construction of a solar farm project
Interest Rate MLR, THBFIX, Fixed Rate
Tenor Depend on cashflow from the revenue generation and government subsidy (Adder)
i) Conditional assignments of all related contracts and Project’s proceeds
ii) Mortgage of Project’s security
iii) Pledge of Reserves and waterfall accounts
iv) Sponsor Supports
Key Security
i) Debt service ratios -- ie. DSCR,
ii) Leverage ratios – ie. Debt to Equity
iii) Minimum cash position
iv) Sponsor’s undertaking in project ownership
Key Financial
covenant and other
key covenants
Tranche A: Long Term Facility
Tranche B: Working Capital and Trade Finance Facility
Tranche C: Hedging Facility
Facility Types
4. How The Bank Views Renewable Project In General
EPC/ O&M Contract
Project
Sponsors
Debt Financing
EPC / Supplier
• Financial soundness
• Relationship with communities
• Experience with solar project (plus)
Shareholder Undertaking
Credit Facility Agreement
Land Purchase Agreement
Feedstock Supply / Land Site
• Contract terms
• Reliable customers
• Competition
Main Product Offtakers
Offtake Agreement
CERs Offtakers
• CERs pricing stability
• Terms of contracts
• Credit worthiness of offtakers
• Experience / Technology / Financial strength
• Contract terms/ Liquidated damages
• Insurance and Warranty (performance guarantee)
• Independent engineer required
• Secure Feedstock (captive)
• Reliable data source for optimum Energy Yield
• Nearby Grid Connection
• Independent engineer required
• Profitability ratio
• Leverage ratio
• Debt service ability ratio
5. Credit Enhancement
Products:
• Financial Guarantors such as, Guaranteed Bond and Letter of Credit
• Export Credit Agencies (ECA) Financing & Support through Partial Risk Guarantee
• Development Banks – IFIs’ Financing & through Partial Risk Guarantee
• Insurance Brokers
• Back-leveraged structure through Standby Letter of Credit (SBLC) or Corporate Guarantee in case of very high credit
standings
Example:
• IFC as a shareholder in Solar Power Co. Ltd. enhancing the better terms & conditions to the project
• ADB as a lender in NED resulting to the longest tenor of 18 years
• Strong supplier’s guarantee such as life-time performance warranty reflected through easily credit approval
6. Types of Equity Financing
Equity Financing /
Equity Investment
• ESCO fund both private and government agencies such as E For E in Solar Power Co.,
Ltd.
• Private equity
• IPO, PP, Infrastructure Fund
• Mezzanine financing: quasi-equity structure (convertible structure and subordinated
loan)
7. KBank Green Credit Product Programs (1)
KBank - AFD Green Hotel
KBank - AFD Retrofit Building
KBank - AFD Renewable Energy
KBank - IFC : Special Facility
KBank Energy Efficiency Revolving Fund (New)
KF&E: Leasing with ESCO
8. KBank Green Credit Product Programs (2)
ชื่อโครงการ ลักษณะโครงการ
ชื่อโครงการ ลักษณะโครงการ
สินเชื่อพัฒนาเทคโนโลยี เพื่อผลิตก๊าซชีวภาพ Tech Development Fund for Biogas
สินเชื่อพัฒนาเทคโนโลยี เพื่อผลิตก๊าซชีวภาพ Tech Development Fund for Biogas
Loan75 %ของมูลค่าการลงทุนของทั้งหมดของ
โครงการ แต่ไม่เกินโครงการละ 30 ล้านบาท เป็น
เงินสนับสนุนจากสวทช.เต็มจำนวน
Loan75 %ของมูลค่าการลงทุนของทั้งหมดของ
โครงการ แต่ไม่เกินโครงการละ 30 ล้านบาท เป็น
เงินสนับสนุนจากสวทช.เต็มจำนวน
สินเชื่อเงินกู้ดอกเบี้ยต่ำเพื่อพัฒนาเทคโนโลยีภาคอุตสาหกรรมกสิกรไทย K-Technology
Development Fund
สินเชื่อเงินกู้ดอกเบี้ยต่ำเพื่อพัฒนาเทคโนโลยีภาคอุตสาหกรรมกสิกรไทย K-Technology
Development Fund
Loan 75 % ของมูลค่าการลงทุนของทั้งหมดของ
โครงการ แต่ไม่เกินโครงการละ 30 ล้านบาท เป็นเงิน
สนับสนุนจาก สวทช. 2ใน 3ส่วน
Loan 75 % ของมูลค่าการลงทุนของทั้งหมดของ
โครงการ แต่ไม่เกินโครงการละ 30 ล้านบาท เป็นเงิน
สนับสนุนจาก สวทช. 2ใน 3ส่วน
สำนักงานนวัตกรรมแห่งชาติ ( สนช )
ชื่อโครงการ ลักษณะโครงการ
สำนักงานนวัตกรรมแห่งชาติ ( สนช )
ชื่อโครงการ ลักษณะโครงการ
โครงการนวัตกรรมดี ไม่มีดอกเบี้ย K- Innovation Fund
โครงการนวัตกรรมดี ไม่มีดอกเบี้ย K- Innovation Fund
Loan สนับสนุนดอกเบี้ยสูงสุดไม่เกิน 5 ล้านบาทต่อ
โครงการ
Loan สนับสนุนดอกเบี้ยสูงสุดไม่เกิน 5 ล้านบาทต่อ
โครงการ
กรมพัฒนาพลังงานทดแทนและอนุรักษ์พลังงาน(พพ.) กระทรวงพลังงาน
ชื่อโครงการ ลักษณะโครงการ
โครงการสินเชื่อเงินกู้เพื่อการอนุรักษ์พลังงานกสิกรไทย K – Energy Saving Loan Loan ไม่เกิน 50 ล้าน/ราย
กรมพัฒนาพลังงานทดแทนและอนุรักษ์พลังงาน(พพ.) กระทรวงพลังงาน
ชื่อโครงการ ลักษณะโครงการ
โครงการสินเชื่อเงินกู้เพื่อการอนุรักษ์พลังงานกสิกรไทย K – Energy Saving Loan Loan ไม่เกิน 50 ล้าน/ราย
9. Energy Efficiency Revolving Fund in Thailand: K-Energy Saving Loan
Elegible Investment Costs For The Fund
ƒ Equipment and Installation costs
ƒ Consulting Costs – design, control, supervision, guarantee fees
ƒ Civil works, piping, or necessary components specifically and
necessary for the project
ƒ Associated Costs necessary – removal of existing equipment,
transportation, taxes, VATs
Not Eligible: Land Costs, Land Improvement Costs, building construction,
Costs not specifically needed for the project – main transformers, substation
10. Energy Efficiency Revolving Fund in Thailand: K-Energy Saving Loan
Size of Revolving Fund 62.5 / 62.5 / 62.5 + 29.5 / 12.5 million USD
(2 billion Baht for phase 1&2, 2 billion Baht for phase 3 and 942.5
million Baht for phase 3 plus) [400 million baht for phase 4]
Loan Period 7 years maximum
Eligible Borrowers Facilities’ Owners, ESCOs and Project Developers
Eligible Projects EE improvement or RE development and Utilization
Loan Size from RF Up to 1.56 million USD / project ( 50 million Baht / project)
Interests charge to customers Not more than 4% p.a.
Interests charge from banks 0 % / 0.5% / 0.5%/ 0.5%
Source: Department of Alternative Energy Development and Efficiency
11. Integrated Project Financing from KBank
K-Energy Saving Loan: not exceeding THB 50 million with the
tenor of 7 years and the interest rate of 4% p.a.
Loan from KBank base on MLR/THBFIX/Fixed Rate
12. Feel free to contact:
นพเดช กรรณสูต
(Nopadej Karnasuta)
Senior Vice President
Multi-Corporate Business Department
KASIKORNBANK PCL.
Tel: 662-470-6004-5
E-mail: nopadej.k@kasikornbank.com
13.
14. Typical Project Finance Structure
Sponsors Sponsors
Loan and Financial
Package Agreement
Lenders Project Company
Agents
/Trustees
EPC
Contractor
O&M
Operator
Off-Taker
Independent
Engineers
Owner’s
Engineers
Insurer
Sponsor’s
Legal Counsel
Lender’s
Legal Counsel
Shareholders Agreement
Sponsor Support
Agreement
Power Purchase
Agreement
EPC Contract
O&M Contract
Insurance Policy
Endorsement of Insurance
Assignment of Proceeds
Supplier Warranty Supplier
Assignment of Agreements