each analyst’s or each team’s respective sector. ¹Target price is for 12 months. [V] = Stock considered volatile (see Disclosure Appendix). Research Analysts Karim P. Salamatian‚ CFA 852 2101 7996 karim.salamatian@credit-suisse.com Danielo Picache 632 858 7758 danielo.picache@credit-suisse.com INITIATION Specialist in retailing ■ Initiating coverage with OUTPERFORM and TP of P11.30. SSI is the largest specialty retailer in the Philippines operating 672 stores (>4x larger than the No. 2 player)
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Authors like Juliet Schor‚ Annie Leonard and Danielle Todd support consumerism is a foe whereas Peter Saunders and James Twitchell‚ advocates the idea that consumerism is a friend. Consumerism has many negative outcomes like overspending‚ overworking‚ credit card debts‚ social and economic problems etc. These negative aspects of consumerism are in majority therefore consumerism is a foe. Consumerism is a foe since it causes overworking by triggering the insatiable nature of human. Each person aims
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Analysis of Credit Card Debt UNKNOWN - - - - - - - - - - - - University online MAT109 A01 Introduction Credit card debt is one big struggle in America. This is due to poor income‚ divorce settlements‚ unemployment and even gambling. Don’t have any health care benefits? In need to go to the doctor? If yes‚ then there is a medical bill coming your way. Taking out loans and borrowing money creates more debt if you can ’t pay it in on time. Many debt collectors need to be consolidated
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GROSSMONT-CUYAMACA COMMUNITY COLLEGE DISTRICT High School/College Credit Enrollment Authorization Form Cuyamaca College Grossmont College For GCCCD Official Use Only NOTE: A new form must be completed and submitted each semester prior to class enrollment. Also‚ if you choose to attend both Cuyamaca and Grossmont‚ a separate HS/CC Enrollment Authorization Form MUST be submitted to each college. Please read carefully and sign below. Received Date: Received By: THIS SECTION MUST
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Spanish Extra Credit Assignment When I first heard that the Spanish extra credit would consist of going to a Cuban restaurant‚ I said to myself‚ “What’s Cuban food.” Looking back at that‚ I have now realized how much amazing food I have missed out in my life. As I walked into the tropical-like atmosphere I was wondering how the food would taste. Spicy‚ sweet‚ and deep-fried were words that were rushing through my head. The waiter was a kind lady‚ who immediately gave my dad and I good-looking
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MB0045_MBA_Sem2_Fall/August 2012 Master of Business Administration - MBA Semester 2 MB0045 –Financial Management - 4 Credits Assignment Set- 1 (60 Marks) Note: Each question carries 10 Marks. Answer all the questions. Q.1 Considering the following information‚ what is the price of the share as per Gordon’s Model? Details of the Company Net sales Rs.120 lakhs Net profit margin Outstanding preference shares No. of equity shares Cost of equity shares Retention ratio Rate of interest (ROI) 12
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success’ they had hurdles to jump and become innovative thinkers to create futures in their challenging industry. Great men and thinkers can move mountains and open paths to new industries. Giving Credit Where Credit Is Due As entrepreneurs in a growing world of technology and change Andy Grove and Michael Dell pioneered the industry. They were innovators‚ visionaries and industry leaders in their fields. Andy Grove envisioned change to create faster and
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A term paper on LETTER OF CREDIT AND ITS OPERATION PROCEDURES IN BANKS Course code: FB-509 Course Title: Principles and Practices of Banking SUBMITTED TO Abdullah Al Mahmud Lecturer Department of Banking Faculty of Business Studies University of Dhaka [Submitted for the partial fulfillment of the requirements of the degree in Master of Business Administration (Banking)] PREPARED AND SUBMITTED BY Md. Ataur Rahman ID: 50917063 Submission
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Current issue of offshore banking Illegal (criminal) financial transactions Most of the illegal financial transaction in offshoring is related to underground economy activity. The illegal economy includes all sorts of criminal activities‚ which are in conflict with the legal system. According to Siska (1999)‚ drugs‚ violence‚ nightmare‚ weapon‚ economy and property is the main field of organized crime. A person in a country A will move the fund abroad by contact underground banker and deposit a
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University of Dhaka. Here at BASIC Bank‚ I was assigned to work at Loans and advances Division of BASIC Bank‚ Moulvibazar Branch‚ Dhaka‚ Mr.Khan Iqbal Hasan‚ Assistant General Manager and In-charge‚ was my supervisor. The title of the report is “Credit Operations and Risk management Practices of BASIC Bank Limited” which was assigned by my supervisor of the said bank. My faculty advisor Md. Dewan Mahboob Hossain‚ Assistant Professor‚ Department of Accounting & Information Systems‚ University of
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