... Lintang Widayanto Sandra Dwi Putri
United Green Growers (UGG) is a company who provides commercial services to farmers in Canada and markets agricultural products worldwide. UGG tried to distinguish itself from competitors by creating products with brand names an d by providing on-going services to customers. During the latter part of the 1990s, some UGG’s managers started to question the desirability of managing pure risk and financial risk separately. UGG started by forming a risk management committee, consisting of the CEO, CFO, risk manager, treasurer, compliance manager (for commodity trading), and manager of corporate audit services. This committee, along with a number of UGG employees, then met with a representative from Willis (risk management consultant) for a brainstorming session to identify the firm’s major risks. This process identified 47 exposure areas, from which six were chosen for further investigation and quantification. The six risks were:
1. Environmental liability
2. The effect of weather on grain volume
3. Counterparty risk (suppliers or customers not...
UnitedGrainGrowersLimited (UGG) is the third-largest grain handler and distributor of crop inputs (seed, fertilizers, herbicides, and pesticides) in Canada. UGG was formed in 1906 and, until 1993, operated as a farmer-owned cooperative whose primary business and income came from grain handling in western Canada. Western Canada has more than 100,000 farms, and in 1997, farm expenditures on crop inputs and feed totaled approximately C$4 billion. In the late 1990s, Canada's share of world wheat trade was 22 percent, virtually all produced in western Canada.
UGG fulfills a key role in the “seed-to-supermarket” food system. It provides a reliable supply channel, with on-time delivery to exacting specifications. Canadian law requires that all wheat and barley destined for human consumption be sold through the Canadian Wheat Board (CWB). These are known as “Board grains,” for which UGG is paid a preestablished handling tariff per tonne. UGG also buys “non-Board grains” (e.g., canola, flax, linola, peas, feed barley, and other grains not subject to the CWB monopoly) and markets them domestically and internationally. UGG earns a margin on non-Board grains based on the efficiency with which it markets and manages inventory and hedges its positions on world futures markets. UGG serves as the link between the CWB and the...
...PE TER TUFAN O
ST UA RT GI L SON ST UA RT GI L FILS
UnitedGrainGrowersLimited (A) UnitedGrainGrowersLimited (A)
“Everybody talks about the weather, but nobody does anything about it.” "Tout le monde parle du temps, mais personne ne fait quoi que ce soit."
In late 1998, Brian Hayward, Peter Cox, George Prosk and Mike McAndless pored over a colorful À la fin de 1998, Brian Hayward, Peter Cox, George et Mike Prosk McAndless pores sur une couleur
PowerPoint presentation that outlined the risks faced by their firm, UnitedGrainGrowersLimited Présentation PowerPoint qui décrit les risques encourus par leur entreprise, UnitedGrainGrowersLimited
(UGG). (UGG). The graphs and numbers in the consulting report quantified a point they knew well: that the Les graphiques et des numéros dans le rapport de consultation quantifié un point qu'ils connaissaient bien: que l'
agriculture business was risky. entreprise agricole était risqué. The four men were the CEO, CFO, Treasurer and Risk Manager, Les quatre hommes ont été les CEO, CFO, trésorier et directeur des risques,
respectively, of Winnipeg-based UGG, one of the oldest grain distributors in Canada. respectivement, de Winnipeg, UGG, l'un des plus anciens distributeurs de...
UNITED BANK LIMITED
MBA - 2012
LAHORE SCHOOL OF ECONOMICS
BURKI CAMPUS, LAHORE.
MBA BUSINESS RESEARCH PROJECT
UNITED BANK LIMITED
THE IMPACT OF ANNUAL MEMBERSHIP FEE AND CHIP MAINTENANCE FEE ON UBL’S CREDIT CARD PRODUCT
Prof. F. A. Fareedy
SEC. C, TA: Ms. Huda Anees
LAHORE SCHOOL OF ECONOMICS, 2012.
Table of Contents
Table of Contents 3
EXECUTIVE SUMMARY 4
INTRODUCTION OF THE FIRM 7
BRIEF HISTORY 7
MISSION STATEMENT: 9
VISION STATEMENT: 9
CORE VALUES: 9
PRODUCTS AND SERVICES OF THE FIRM: 9
BANKING SERVICES: 10
NON RESIDENT PAKISTANI SERVICES: 12
LITERATURE REVIEW 13
BANKING INDUSTRY: 13
BANKING INDUSTRY OF PAKISTAN 13
CURRENT SITUATION OF THE BANKING SECTOR 14
CONSUMER FINANCING 16
HISTORY OF CONSUMER FINANCING 16
CONSUMER FINANCING IN PAKISTAN 17
CONSUMER CYCLE: 17
TYPES OF LOANS: 18
BANKS INVOLVED IN CONSUMER FINANCING IN PAKISTAN: 19
3) CREDIT CARDS BY LOCAL BANKS 19
4) CREDIT CARDS BY FOREIGN BANKS 20
STATE BANK OF PAKISTAN 20
CREDIT CARDS IN PAKISTAN: 22
FINANCIAL ANALYSIS 24
UNITED BANK LIMITED 24
RATIO ANALYSIS 26
COMPETITORS ANALYSIS 31
RESEARCH PROBLEM AND METHODOLOGY 38
PROBLEM STATEMENT: 38
RESEARCH QUESTION: 39
RESEARCH OBJECTIVES: 39
...continued progress on the business environment and a continued mindset shift and a reallocation of competitive strategy among Indian companies. That combine will yield more clusters like Bollywood and IT services.
UNITED BREWRIES LIMITED:
The beginnings of what is today The UB Group are rooted in the flagship company, United Breweries Limited, (UBL) also referred to as the Beer Division of the UB Group. Led by Mr. Kalyan Ganguly, President & Managing Director, it has around 40% market share in the country.
United Breweries Limited, the flagship company of the UB Group, has an association with the brewing dating back over five decades, starting with 5 breweries in South India in 1915. From bullock cart-loaded barrels or 'hogheads' of frothing ale, the Beer business as gone on to become the undisputed 'king' in the Indian beer market.
At UBL, innovative, creative and aggressive marketing is complemented by a strong distribution network. Its management is focused on building brand equity on one hand and exploiting it to the hilt on the other. A concerted emphasis lay on quality. UBL today boasts an impressive spread of own and contract manufacturing facilities throughout the Country.
Quality and hygiene are the key elements of the United Breweries' manufacturing philosophy. To this end, the Central Scientific Laboratory (CSL), headquartered at...
1. Coffee growers in poor rural areas are paid very little for their crop. What strategies are proposed in this clip for changing that situation?
The strategies that are proposed in this clip for changing this situation are for coffee growers to adapt to the fair-trade market. Under the fair-trade market coffee growers will have the chance to a decent market price that will help increase their production.
2. Now that you know something about the “sociology of coffee” and globalization, will your own consumption habits change at all? Explain why you would change or not your consumption habits.
I prefer not to drink coffee as a result my consumption will not change.
3. In what ways is the “coffee-go-round” an example of what Mills called “public issues” and “private troubles?”
The public issues are coffee growers in poor rural area are not paid reasonably for their crops. The private troubles are coffee growers are trapped to sell only coca because of the competitive markets and expensive expenses.
1. C. Wright Mills said that the sociological imagination comes from our ability to see the connection between “public issues” and “private troubles.” How does the narrator of this film make such a connection in his life? What are the “public issues” and the “private troubles?”
The narrator of this film makes such a connection in his life by connecting his relationship with...
...Superior Grain Elevator
Superior Grain Elevator
SUPERIOR GRAIN ELEVATOR, INC.
Superior Grain Elevator was located at Thunder Bay, Ontario, Canada’s third busiest port. With 14 giant grain elevators, Superior was able to load ships constantly sending grain to all parts of Eastern Canada and the globe. The ships were contracted for by agents who lined up the required tonnage of shipping capacity to fulfill the various contracts held with Superior. Although the agents tried to arrange for ships to arrive at Thunder Bay in a steady stream, the vagaries of lockage transfer times in the Seaway resulted in quite variable arrival times, at times forcing arriving ships to anchor when both wharfs were busy. This resulted in SGE having to incur demurrage charges at a rate of $2000 per day. Mike Armstrong, manager of port facilities for SGE, had just learned that the Canadian Government had negotiated a 5-year contract with Poland, and that Superior had been allocated some of the shipments. However, the two wharfs Superior currently had might not be enough to carry out the contract efficiently, and building a third wharf was being considered. The third wharf was estimated to cost $1,500,000. Superior Grain Elevator needs to consider the pros and cons of building a third wharf and decide if the benefits & savings will offset the cost of the investment.
The purpose of exercise 4 was to understand the differential staining techniques: gram staining and special stain structures. Differential staining techniques are used to help identify microorganisms based on the morphology and its ability to accept the stains used. During the staining process the cells retaining the initial stain are positive, and the cells retaining the counter or secondary stain are considered to be negative. Differential stains are used to identify microorganism based on metabolism, chemical composition or the presence of another structure. The staining techniques that are used in microbiology labs are essential in identification of the organism.
We had prepared heat fixed slides before the staining processes began from prepare cultures of the following microorganisms: Staphylococcus epidermis, Pseudomonas aeruginosa, Escherichia coli, Bacillus subtilis, Mycobacterium smegmatis, and a mixed culture of: Staphylococcus epidermis and Escherichia Coli
The staining techniques used during exercise 4 were the following: Gram staining, acid fast staining, and endospore staining. The Gram staining is a commonly used stain to determine if there is peptidoglycan present on the outside of the cell wall. The bacteria that are Gram positive have a thicker wall of peptidoglycan. The thick peptidoglycan wall allows the bacteria to accept the stain. The Gram-negative cells will lose the initial stain during the decolorization process. The...