Gold Loans ‘Lending with comfort’ Muthoot Finance – BUY CMP: Rs154 Target: Rs202 Largest gold financing company in the country with 20%+ market share AUM growth to moderate but remain strong on higher base NIM to decline on steep increase in funding cost; yield to be relatively resilient Earnings CAGR to remain brisk at 39% over FY11-13E RoA to marginally come-off; RoE to normalize India - a huge gold loan market India is one of the largest markets for gold accounting for ~10%
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Robespierre’s Justification for State Terror Maximilien Robespierre states‚ “What is the goal toward which we are heading? The peaceful enjoyment of liberty and equality.” (Bienvenu‚ p. 1‚ para.1) The laws that have been passed by the royalty that are meant to bring long lasting righteousness‚ are laws that are recognized; these laws are not written any where but in the essence of all individuals. Robespierre was elected as the representative of the National Convention and joined a political club
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MOTIVATION I. Case: BONIFACIO SAVINGS AND LOANS ASSOCIATION The Bonifacio Savings and Loans Association (BSLA) in its last monthly consultative meeting for the year decided to embark on a one-year deposit campaign program. Dubbed as BSLA’s “Employee Motivation Program (EMP)”‚ the deposit campaign aimed to increase deposit levels which was BSLA’a traditional source of funds. Mr. Danillo Lagman‚ VP for operations‚ was chosen as overall program coordinator. After a month of preparation‚ Mr.
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February‚ 2006‚ Revised October ‚ 2007 ARAVIND IMMANENI‚ CHRISTIAN TERWIESCH Loan Processing at Capital One It was in late July 2004 and Rick Weis‚ operations manager of the loan processing center at Capital One‚ was looking over the marketing forecast for the upcoming quarter. Following several months during which Capital One had funded significantly fewer loans than targeted‚ Capital One’s marketing team was now planning for a significant direct marketing effort. This marketing effort‚ which
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home to the first cooperatives from an industrial context. In 1761‚ the Fenwick Weavers’ Society was formed in Fenwick‚ East Ayrshire‚ Scotland to sell discounted oatmeal to local workers. Its services expanded to include assistance with savings and loans‚ emigration and education. In 1810‚ Welsh social reformer Robert Owen‚ from Newtown in mid-Wales‚ and his partners purchased New Lanark mill from Owen’s father-in-law David Dale and proceeded to introduce better labour standards including discounted
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"Information Protection and Privacy": The word ’privacy’ means different things to different people‚ it affect both personal and business. As individuals‚ we need some amount of privacy to succeed. As a person we need to protect our thoughts from intruders because if others new our must intimate thoughts they could use that information to manipulate our decision making process. Business‚ need to protect their trade secret and information they collect from their customer to succeed. My objectives for this
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CONSUMER LOANS VS COMMERCIAL LOANS Prepared By: | | | | Rohit Iyer | 11FN-082 | Sahil Gupta | 11IB-069 | Consumer Loans * Consumer loans are those loans which are required by a person for their personal needs. * If a car loan(finance or lease) is obtained by a company/individual for commercial purposes it is a commercial finance where as if the same kind of car loan is availed by a an individual who would use that car for his personal needs and would not gonna earn
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2014‚ 2‚ pp. 193-206 Received: 27 January 2012; Accepted: 04 April 2013. Vasiliki Makri Department of Business Administration‚ University of Patras‚ Greece Department of Business Administration‚ University of Patras‚ Greece atsagkanos@yahoo.gr Athanasios Bellas Department of Business Administration‚ University of Patras‚ Greece Determinants of Non-Performing Loans: The Case of Eurozone vmakri@upatras.gr Athanasios Tsagkanos UDC 336.77 (4-672EU) ”2000/2008”
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Chapter - 01 Introduction 1.1Background of the Study: SME loan playing a significant role for the development of our economy by creating employment opportunity and producing important alternative machines and machinery parts for saving huge foreign currency for the country. So as a part of the development strategy‚ we should intensify our efforts to develop this sector to grow industrial base and volume of foreign trade. As we know that in
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We have a couple in their mid thirties. John has his own gardening business and brings home $45‚000 gross after business expenses. He also has a part-time job at the local club earning $10‚000 gross. Mary works in media grossing $85‚000 p.a. after SG. They are paying off a mortgage of $520‚000 on their own home which they just bought for $580‚000. The mortgage costs them $2‚890 per month. They have three children 9 months old‚ 2 year old and 4 year old and all attend day care 5 days a week
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