... 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...
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.
...Vincent Sylvester Wada
African Thought in African Literature APH 105
Prof. Anthony Chennells
November 8, 2014
Give examples of flaws in the principal characters in the novel: Gikonyo, Mumbi, Mugo… why do you think Ngugi should emphasize weaknesses in characters rather than heroic individuals in the days leading up to the Uhuru?
Ngugi begins A Grain of wheat with a quotation from the bible. It reads. ‘You foolish man! What you sow does not come to life unless it dies. And what you sow is not the body which is to be but a bare kernel, perhaps of wheat or of some other grain’ (I Co 15:36). He chooses to focus his attention on the weaknesses of his characters. One may ask why Ngugi takes this path. It becomes apparent throughout the novel that the idea of nationalism which Ngugi tries to relate draws its strength from a collective effort of weak people and not of particular strong individuals. He further explains that the people who form a nation comprise both weak and strong persons. The interesting twists and flavor of A Grain of Wheat lie in the pretense of different persons who appear heroic when they are not, consequently inventing a meaning for their lives. This paper will bring to light the flaws of some of the principal characters in the novel.
Sandra Kring, states that, ‘The tiny seed knows that in order to grow, it needs to be dropped in dirt, covered in darkness and struggle to reach the light’. This quote explains...
What are whole grains? Whole grains are foods naturally coming from the entire grain seed. All grains start as whole grains, whether it stays that way depends on us. When they are growing in the fields the whole grain is the whole seed of the plant called the kernel. Whole grains are made up of three important parts; the bran, the germ and the endosperm. Before a food qualifies as whole grain it must have 100% of the kernel, which means all of the bran, germ, and endosperm must be present.
The bran of the whole grain has several layers of outer skin and this surrounds the kernel. The bran is tough; one of its jobs is to protect the other parts of the kernel from beaming rays from the sun, insects, water, and disease. The most important job it has is to give the whole grain its antioxidants, B vitamins and fiber.
The germ of the whole grain is the embryo and when fertilized it will reproduce. The germ contains many B vitamins, protein, minerals, and healthy fats. Their job is to reproduce to make new plants to enrich the whole grain with vitamins.
The endosperm is what feeds the germ. The endosperms job is to give needed energy to the plant so it can grow roots down for water and nutrients, and give it energy to sprout upward for sunlight. The endosperm is the largest part of...