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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References: 1. Hsu‚ P.S. and T.R. Reuscher. Summary of Travel Trends: 2001 National Household Transportation Survey. 2004. http://www.bts.gov/publications/highlights_of_the_2001_national_household_travel_survey/htm l/table_a04.html. Accessed July 31‚ 2005. 2. Access to the 2001 National Household Travel
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impact of information technology on business operations today. As a result‚ designing an information system of high quality is important so that organizations can compete successfully in the global market. In Lending institutions‚ having an automated Loan System that store‚update‚retrieve and monitor data efficiently and faster is an edge to be more competitive and progressive in their business. In this chapter the researchers highlight on the study of the concepts concerning the processes of the
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INTRODUCTION:- A Luxury car is a styled‚ luxurious automobile intended for comfort and satisfaction of its owner or driver‚ sacrificing passenger space‚ cargo capacity and other practical concerns for the sake of style. The luxury cars are very expensive and its price range is above Rs 20 lakhs. Hence these cars are affordable and are preferred by high income group. A Luxury car segment is one which is packed with extra dose of luxury features‚ designed with perfection and beauty for a guaranteed
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Leo Szilard initially encouraged the U.S. to develop an atomic energy program known as the Manhattan Project (endorsed by Albert Einstein). In 1942‚ under the confidentiality of the U.S.‚ government‚ Szilard along with Enrico Fermi construct the first “neutronic reactor‚” a uranium and graphite “pile” in which the first self-sustaining nuclear chain reaction was achieved. (quote) With tension‚ brewing with government officials Leo Szilard would quickly realized his work would be used against his
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A PROJECT REPORT ON “A STUDYOF LOAN PROCEDURE OF CONSUMER DURABLE PRODUCT AT BAJAJ FINSERV LENDING LTD‚ PUNE” BATCH 2012-2014 SUBMITTED TO “UNIVERSITY OF PUNE” IN PARTIAL FULFILMENT OF THE REQUIREMENT FOR THE AWARD OF THE DEGREE MASTER OF ADMINISTRATION SUBMITTED BY SUSHIL MAHADEV DESAI MBA (FINANCE) UNDER THE GUIDENCE OF PROF. PADMALOCHANA BISOYI Pimpri-Chinchwad Education Trust’s S.B. PATIL INSTITUTE OF MANAGEMENT SECTOR 26‚ PRADHIKARAN‚ NIGDI‚ PUNE-411044. DECLARATION I ‚the undersigned
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ABSTRACT This paper will focus and investigate the SMART car sculptured by Micro Compact Car (MCC)‚ a wholly owned subsidiary of Daimler-Benz. Hambach‚ France was chosen as the production site‚ where the main suppliers were integrated in a supplier’s park called “Smart Ville”. MCC used such supply chain practices which were never used before such as supplier involvement‚ outsourcing the main manufacturing and modular production. Complete modules were attached in the rigid body frame called “Tridion”
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A solar car is a solar vehicle used for land transport. Solar cars combine technology typically used in the aerospace‚ bicycle‚alternative energy and automotive industries. The design of a solar vehicle is severely limited by the amount of energy input into the car. Most solar cars have been built for the purpose of solar car races. Exceptions include solar-powered cars and utility vehicles. Solar cars are often fitted with gauges as seen in conventional cars. To keep the car running smoothly‚
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ayday loan stores seem to be popping up everywhere and a few people think that they are the best things ever‚ but in reality they are the tabloids of the credit industry‚ as far as reputable credit institutions are concerned. It’s obvious that they are supplying a tangible need for the demands of the public‚ or else they wouldn’t be surviving. So if that many consumers are freely choosing to deal with them‚ then why are payday loans bad? Maybe the best way to illustrate this point is to use our
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Truth About The Future of Driverless Cars The general argument made by the author Paul Waldman in his work‚ The Frightening Truth about The Future of Driverless Cars‚ is; how long it will take for the technology systems to advance to the point where it’s possible to have most of all the cars on the road to drive themselves without any danger. More specifically‚ Walden argues that a sinister tragedy could happen to a person while in a driverless car‚ and the car wouldn’t know to alert (unless makers
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