Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
United Commercial Bank Limited is one of the traditional banks of Bangladesh. The scope of the study covers the organizational overview and objectives, and Financial analysis of the bank. However, the presentation of the five years at a glance, products and services, total asset position, total liability & shareholder equity and also different analysis & comparison are showed to evaluate the performance of the bank.
It is the story about the YES Bank.
How YES bank become the topper in private sector bank after its launching in year 2004.
The information related to the slides can be found easily on net.
Financial Analysis of United Commercial Bank Limited(UCBL).Rizwan Khan
United Commercial Bank Limited is one of the traditional banks of Bangladesh. The scope of the study covers the organizational overview and objectives, and Financial analysis of the bank. However, the presentation of the five years at a glance, products and services, total asset position, total liability & shareholder equity and also different analysis & comparison are showed to evaluate the performance of the bank.
It is the story about the YES Bank.
How YES bank become the topper in private sector bank after its launching in year 2004.
The information related to the slides can be found easily on net.
Objects clause is contained in the memorandum of association and sets out the powers of the directors in running the company. Traditionally, each power of the company had to be enumerated, which resulted in detailed statements as to the powers of the company. Companies are now able to use the phrase 'to carry on the business of a general commercial company' rather than use exhaustive lists of enumerated powers.
Read more at Law Teacher: http://www.lawteacher.net/free-law-essays/company-law/the-doctrine-of-ultra-vires-company-law-essay.php#ixzz43wf5BqRy
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
Objects clause is contained in the memorandum of association and sets out the powers of the directors in running the company. Traditionally, each power of the company had to be enumerated, which resulted in detailed statements as to the powers of the company. Companies are now able to use the phrase 'to carry on the business of a general commercial company' rather than use exhaustive lists of enumerated powers.
Read more at Law Teacher: http://www.lawteacher.net/free-law-essays/company-law/the-doctrine-of-ultra-vires-company-law-essay.php#ixzz43wf5BqRy
Banks accept deposits so that they can provide for loans. Accepting deposits is therefore treated as the backbone of the banking system. There are different types of deposits such as demand deposits and fixed deposits. Demand deposits are further categorized into current account, saving account and call deposit. Demand deposits are primarily deposits that the customer can withdraw at will. Fixed Deposits on the contrary come for a fixed period. It cannot be withdrawn before the date of maturity. The other forms of Fixed Deposits are re-investment, annuity and recurring.
We offer fresh cut bank instrument for lease and purchase, such as BG, SBLC, MTN,Bank Bonds, Bank Draft,T strips and others. Leased Instruments can be obtained at minimal expense to the borrower compared to other banking options. We also give cash loan for projects. This offer is opened to both those and corporate bodies We are RWA ready to close leasing with any interested client in few banking days,if interested do not hesitate to contact us Via Skype : live:albiongrouplimited Email: albiongrouplimited@mail.com
We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.
* FOR LEASING OF BG/SBLC
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LEASING FEE = 4%+2%
* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Email: contact@tlmfinancialltd.com
Skype : contact@tlmfinancialltd.com
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.
Contact name: David Verney
Email :verneydavid6@gmail.com
Skype: verneydavid6@gmail.com
502 chris ipi pxam (1) 171018-3 poprav-1-151218 m.-2smith s
dear friend
we have ipip or ip id sender for cash funds of €100,000,000,000,000.00(ONE HUNDRED TRILLION EURO)
looking for revceiver
ipip or ipid
100trillion
€100,000,000,000,000.00(ONE HUNDRED TRILLION EURO)
we have sender and looking for receiver
if you are interested then we will send the contract
WE ARE SEEKING FOR A PRESENTABLE RECEIVER
Sign and seal DOA and RWA and bring it back to me.
link
https://docs.google.com/document/d/1on8DS29Co6FEjMVf475bxQb-t-aLBzbuquhECUi3aVk/edit?usp=sharing
THANKS
REGARDS
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link
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We offer fresh cut bank instrument for lease and purchase, such as BG, SBLC, MTN,Bank Bonds, Bank Draft,T strips and others. Leased Instruments can be obtained at minimal expense to the borrower compared to other banking options. We also give cash loan for projects. This offer is opened to both those and corporate bodies We are RWA ready to close leasing with any interested client in few banking days,if interested do not hesitate to contact us Via Skype : live:albiongrouplimited Email: albiongrouplimited@mail.com
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.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
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 telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
1. Sub Fee Protection Agreement (SFPA)
Contract No:
.
In reference of the Grey Portland Cement, grade
CONTRACT
(Details as shown below)
GROUP GLOBAL COMPANY & INVESTMENT WILL PAY COMMISSION TO
.
BY BEGINNING OF DELIVERY
USD/MT
TOTAL COMMISSION
USD IN 12 MONTHS OR
USD EACH MONTH.
CONTRACT No
CLIENT REFERENCE
COMMODITY
ORIGIN
CONTRACT QTY
CONTRACT PERIOD
TERM
DESTINATION
SELLER’S NAME
REPRESENTED BY
BUYER’S NAME
REPRESENTED BY
PAYING COMPANY
Company
Address
GROUP GLOBAL COMPANY
Rua João Vilar da Cunha, 2554 – CEP 59077-070 –
L. Nova – Natal/RN-Brasil
Tel
E-mail
PAYER‘S BANK DETAIL
Bank Name
Bank Address
Account Name
Account No.
IBAN
Swift Code
Bank Officer
Bank Tel/Fax
Page 1 of 4
2. Sub Fee Protection Agreement (SFPA)
Contract No:
1.
.
This sub-fee protection agreement (“SFPA”) is issued on behalf of the Payer (also known as the
“Payer”: GROUP GLOBAL COMPANY represented by
involved in the sale of the
Commodity identified by the above Contract Number. Commission payment/s will be made after the delivery
and payment for each shipment. The commission will be paid by the Intermediaries’ Beneficiary Paymaster
to the intermediaries named in this SFPA for all contracted quantity including all extensions and rollovers on
shipment by shipment basis as per the following proceeds:
1.1 Payable upon payment for each and every shipment, by SWIFT or similar wire transfer.
1.2 The payments will be made without protest, delay or deductions (other than normal bank wire transfer
fees and a standard paymaster fee percentage).
1.3 The entitlement under this SFPA covers the entire transaction identified and defined herein including all
extensions and rollovers.
1.4 All parties involved in this transaction herewith irrevocably agree that they do not assume any
responsibility for the above named transaction and cannot be held liable for any reason associated with it.
Nothing in this SFPA construes or creates a partnership or employee/employer relationship between the
parties to it, and/or the buyer, and/or the seller.
1.5 This SFPA shall be valid, legally binding and enforceable even if any of the transaction codes are
changed by the bank, and/or by any of the parties to this SFPA at any point during the transaction. However,
the intermediaries listed in this SFPA shall be entitled to change their bank details at any time upon
reasonable notice in writing.
1.6 All disputes arising regarding this SFPA shall be resolved by binding arbitration in United Kingdom or
Italy.( Seller may change)
1.7 All parties involved in this transaction herby agree not to circumvent each other in this transaction, or in
any transaction pending, or in any transaction in the future, whether directly or indirectly, for a period of five
(5) years.
1.8 For the avoidance of doubt, the intermediaries named in this SFPA may assign the fees they receive
under the relevant transaction, in part or in whole as may be their choice.
1.9 Electronic and/or faxed transmission of the signed SFPA shall be valid, legally binding and enforceable
in respect of all its provisions.
2. I, the undersigned Payer, GROUP GLOBAL COMPANY represented by
, do hereby
irrevocably and unconditionally undertake to pay the commission specified in this SFPA in United States
Dollars, in favor of the paymaster named herein.
The commission in this SFPA becomes payable only if the referenced transaction has successfully been
concluded, and payment for the commodity has been made by the Buyer.
The responsibility of the undersigned Intermediaries’ Beneficiary Paymaster is limited to the transfer of the
entitlement to the intermediaries, only and whenever the relevant commodity has been paid by the Buyer, and to
the observance of the practices of the relevant contracts and NCNDA’s.
NB All transfers are subject to deduction of standard bank charges in relation to the transfer to the individual
beneficiary account. This deduction will be to the account of the receiving beneficiary.
The parties agree that faxed and or e-mailed electronically signed and sealed copies of this fee protection
agreement will be of full force and effect.
Page 2 of 4
3. Sub Fee Protection Agreement (SFPA)
Contract No:
BUYER SIDE PAYMASTER COMMISSION: US$
.
per MT, ALLOCATED AS FOLLOWS:
Name/ Company
Address
Phone/Fax:
E-Mail
Passport Number
Nationality
Telephone
Fax
e-mail
Account Name:
On Behalf of Beneficiaries:
Bank Name:
SWIFT:
IBAN:
Account Number:
Branch Bank Address:
Branch Bank Officer Name:
Branch Bank Officer Tel.:
Branch Bank Fax:
Signature
Date & Time
Page 3 of 4
4. Sub Fee Protection Agreement (SFPA)
Contract No:
.
EDT ( Electronic Document Transmissions )
EDT (Electronic document transmissions) shall be deemed valid and enforceable in respect of any provisions of
this Contract. As applicable, this agreement shall be:- Incorporate U.S. Public Law 106-229, ‘‘Electronic
Signatures in Global and National Commerce Act’’ or such other applicable law conforming to the UNCITRAL
Model Law on Electronic Signatures (2001) and
ELECTRONIC COMMERCE AGREEMENT
(ECE/TRADE/257, Geneva, May 2000) adopted by the United Nations Centre for Trade Facilitation and
Electronic Business (UN/CEFACT). EDT documents shall be subject to European Community Directive No.
95/46/EEC, as applicable. Either Party may request hard copy of any document that has been previously
transmitted by electronic means provided however, that any such request shall in no manner delay the parties
from performing their respective obligations and duties under EDT instruments.
Place and date of issue: Natal,
, 2012.
Signature
Group Global Company
Page 4 of 4