NBS Bank Limited (NBS.mw) 2013 Annual Report

first_imgNBS Bank Limited (NBS.mw) listed on the Malawi Stock Exchange under the Banking sector has released it’s 2013 annual report.For more information about NBS Bank Limited (NBS.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the NBS Bank Limited (NBS.mw) company page on AfricanFinancials.Document: NBS Bank Limited (NBS.mw)  2013 annual report.Company ProfileNBS Bank Limited is a leading commercial bank in Malawi; providing corporate and retail banking solutions, and treasury managements products and services. The company was established in 1964 when Central Africa Building Society, Commonwealth Century Building Society and First Permanent Building Society merged to form New Building Society (NBS). The financial institution became a commercial bank in 2004 after it was issued a banking license by the Reserve Bank of Malawi. NBS Bank is a subsidiary of NICO Holdings Limited. In addition to general banking products and services for the corporate and private sector, NBS Bank provides solutions for international trade, SME loans, asset finance and mortgage loans and short- and long-term insurance products. NBS has a national network of 37 service centres, with its head office based in Blantyre, Malawi. NBS Bank is listed on the Malawi Stock Exchangelast_img read more

Read more on NBS Bank Limited (NBS.mw) 2013 Annual Report

This stock’s just surged 10%! Should you buy it for your ISA?

first_img Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. This stock’s just surged 10%! Should you buy it for your ISA? Our 6 ‘Best Buys Now’ Shares I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. See all posts by Royston Wildcenter_img Image source: Getty Images. AO World (LSE: AO) is a stock that really charged in Friday business. The electricals retailer finished 10% higher in end-of-week business and was creeping back towards the six-month highs just shy of 100p punched in late December. I fear, however, that investors are getting a little too giddy given the fragile outlook for the UK retail sector, and suggest that a correction could be coming for AO World given the bulky share price gains of late 2019 and early 2020.If anything my cautiousness has increased further after the Bank of England released data today on consumer borrowing. According to Threadneedle Street, the yearly growth rate in unsecured lending dropped to 5.7% in November from 6.1% in the previous month. Meanwhile net consumer credit of £600m last month was the smallest flow for six years and well down from the average of £1.1bn since July 2018.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Big ticket bluesTaken in tandem with the poor retail figures that we have been seeing over the past year, these numbers from the Bank illustrate just how stark the growing reluctance of consumers to part with their cash is becoming. And naturally, sellers of big ticket electrical items like AO World should be particularly worried, as sales of the items it sells (whether essentials or luxuries) are the first thing to suffer in times of intense political and economic concern like these.Recent trading updates from other major sellers of expensive items have exacerbated the sense of concern too. Marshall Motor Holdings, for instance, announced in a pre-Christmas release that the market for automobiles has remained “challenging,” and that trading conditions had actually weakened further in the fourth quarter.And in an earlier update, furniture retailer ScS Group warned that its own like-for-like orders were down 7.1% during the 17 weeks to November 23, a result that it said reflected “ongoing economic and political uncertainties [that] are continuing to impact consumer confidence and spending.”Too much risk!AO World’s share price has carried on ballooning following better-than-expected results in mid-November, at which time its financials showed like-for-like electrical sales rising 4.5% in the six months to September. It now trades at a 60% premium to share price levels before the release, which I think is way too high.Given the prospect that Brexit uncertainty will likely last through the whole of 2020 at the very least, a situation that would see shoppers keeping a tight rein on their spending, I fear that those hoping for a sustained recovery following that solid first fiscal half could very well end up disappointed.I’m certainly not tempted to buy right now, AO World’s high forward P/E ratio of 69.9 times for the financial year to March 2021 — the period in which it’s expected to snap back into profit — giving me extra reason to fear a share price correction should the news flow indeed disappoint. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Royston Wild has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Royston Wild | Sunday, 5th January, 2020 | More on: AO last_img read more

Read more on This stock’s just surged 10%! Should you buy it for your ISA?

Apopka Burglary Report

first_img Please enter your comment! 11/1/2018 9:58VEH2000 BLOCK OF LAKE ALDEN DR  Save my name, email, and website in this browser for the next time I comment. 10/29/2018 19:37VEH1100 BLOCK OF WELCH HILL CIR  TAGSApopka Burglary ReportApopka Police DepartmentBusiness Burglary ReportResidential Burglary ReportVehicle Burglary Report Previous articleElection 2018: Moore headed to County Commission; Byrd to School BoardNext articleVietnam Traveling Memorial Wall arriving in Apopka today Denise Connell RELATED ARTICLESMORE FROM AUTHOR The Anatomy of Fear Please enter your name here Share on Facebook Tweet on Twitter Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Support conservation and fish with NEW Florida specialty license plate Date/Time                     Type     Location 10/30/2018 9:55VEH300 BLOCK OF COOPER PALMS PKWY  Apopka Burglary Report: Week Ending November 3rdThe Apopka Burglary Report for the week ending November 3rd shows three burglaries reported in the city of Apopka.Chief Michael McKinley of the Apopka Police Department tells us that many vehicle burglaries could have been prevented if everyone remembers to do just two things:Remove all valuables from your vehicleLock your car doorsThe breakdown of the burglaries reported to the Apopka Police Department last week:0 – Business0 – Residential3 – VehicleHere is a list of the burglaries, along with their date, time, type, and location: You have entered an incorrect email address! Please enter your email address here LEAVE A REPLY Cancel replylast_img read more

Read more on Apopka Burglary Report

Lidl Northern Ireland announces 33 winners for 2016 Community Works

first_img Tagged with: Funding Northern Ireland Thirty-three community groups across Northern Ireland have won support from Lidl Northern Ireland’s Community Works.Community Works helps community projects in need of funding and assistance, and over 4000 applications were received this year. Each of the 33 winning groups will receive a visit from the Lidl Community Crew over the next six months, helping with fundraising events, presenting food demonstrations and delivering goodie bags.The winning groups include Eco Tots, an education programme for children about growing nutritional produce in Newtownabbey; Enable NI, a support group for young people with disabilities in Armagh; RNLI’s lifeboat station in Portrush; and Oak Healthy Living Centre, a centre for people with addiction and mental health issues in Lisnaskea.As well as visiting the 33 winning groups, the Community Crew will also visit a number of events, local Lidl stores and runner-up groups with surprise treats and goodies. To mark 2016 being the Northern Ireland Year of Food & Drink and to celebrate the local producers Lidl works with, food will be the central focus at each of the events, and Lidl’s Chef Ambassador, Ian Orr, will also be making an appearance at some of them. Last year, Lidl Community Works invested over £250,000 in community groups across Northern Ireland.Conor Boyle, regional director at Lidl Northern Ireland said:“We received over 4000 nominations, a record for the campaign which is now in its third year; proving that there are still so many groups in need of support and we’re delighted to step in and continue to help where we can.”Picture: By Kelvin Boyes / Press Eye. Chef and campaign Ambassador Ian Orr with Paul Kane and Bernard Jackson from Over the Hill Music Group, Deirdre McAllister, Helen Ashton and Ita McNally from Community Circus Lisburn and Peter Neill and Una Neill from the Carrick Chargers Special Olympic Basketball Club. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. Lidl Northern Ireland announces 33 winners for 2016 Community Works Advertisement  146 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Melanie May | 15 June 2016 | News  145 total views,  1 views todaylast_img read more

Read more on Lidl Northern Ireland announces 33 winners for 2016 Community Works

UL President has a house to spare

first_imgAdvertisement The UL President’s house on the Castletroy campusUL President has a house to spare – The UL President’s house on the Castletroy campusTHE UNIVERSITY of Limerick has come under fire for having two official homes for its president and spending money to maintain them while one is not lived in.The first Presidential home at Ballycuggeran in Killaloe was purchased at a cost of almost €500,000 in 1998, but it has remained largely unoccupied since.Sign up for the weekly Limerick Post newsletter Sign Up The property, set on two acres is a four-storey mezzanine offering views of Lough Derg, and was bought by a philanthropic fund.It is now estimated to be worth €1.5 million but it is not occupied and, along with the second presidential property at Garraun on the Clare side of the UL campus, is costing €109,654.55 in maintenance and continued renovations to date.The Kilalloe property was bought during the time of the university’s second president, Prof Roger Downer, who handed it over on his retirement. The house was leased in May 2009 for 18 months but has since been vacant.Meanwhile. the second property on the Castletroy campus cost €2.2 million to build is now home to the current UL president, Dr Des Fitzgerald and is regularly used for entertaining donors or visiting academics.Limerick Fianna Fáil Deputy Willie O’Dea said that the university should sell or lease the property at Ballycuggeran “to get the best possible use out of it and ease the burden on the taxpayer”.In a statement issued to the Limerick Post, a spokeswoman for the university said that the former UL President’s Residence at Ballycuggeran, Killaloe, was on the market initially but, given the downturn in the property market, it was removed from sale.“The on-campus current President’s Residence was built as a result of a philanthropic donation to the University that was gifted specifically to fund the establishment of an on-campus residence.“The future for the former President’s residence in Killaloe will be considered in due course by the new UL President,” the statement concluded.You can read similar stories in the Limerick Post News section. NewsUL President has a house to spareBy Cian Reinhardt – August 13, 2017 2693 TAGSDr Des FitzgeraldHousingULUniversity of Limerick Decision on FIBA European Championships in Limerick to be made in May University of Limerick research identifies secrets of Fantasy Premier League success Limerick city house prices rise 4.9% as time to sell falls Print RELATED ARTICLESMORE FROM AUTHOR WhatsAppcenter_img Previous articleLimerick craftworkers needed for recycling projectNext articleLimerick’s forgotten Orange heritage Cian Reinhardthttp://www.limerickpost.ieJournalist & Digital Media Coordinator. Covering human interest and social issues as well as creating digital content to accompany news stories. [email protected] University of Limerick ceases funding for off-campus Garda COVID-patrols after sanctioning students following massive street party Facebook Limerick nurse helping the fight against COVID-19, calls for round the clock garda patrols near University of Limerick following “out of control” student parties Twitter Email Linkedin Gardai make arrests following chaotic student party near University of Limericklast_img read more

Read more on UL President has a house to spare

HilltopSecurities Expands Eastern Region Public Finance Group

first_imgLocal NewsBusiness WhatsApp Facebook Twitter Pinterest Pinterest HilltopSecurities Expands Eastern Region Public Finance Group By Digital AIM Web Support – February 11, 2021 Facebook Previous articleTerravet Real Estate Solutions Announces Initial Closing of more than $150 Million in Commitments for its Third Fund and Debt Facility of up to $300 MillionNext articleThe Latest: Nadal beats Mmoh in straight sets in Melbourne Digital AIM Web Support WhatsApp TAGS  Twitterlast_img read more

Read more on HilltopSecurities Expands Eastern Region Public Finance Group

Foreclosure Sector Professionals Discuss Every-Day Challenges

first_imgHome / Daily Dose / Foreclosure Sector Professionals Discuss Every-Day Challenges Demand Propels Home Prices Upward 2 days ago Five Star Conference and Expo Foreclosure Lab 2016-09-12 Kendall Baer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Kendall Baer Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save September 12, 2016 1,320 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Foreclosure Sector Professionals Discuss Every-Day Challenges Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, Texas. Born and raised in Texas, Baer now works as the online editor for DS News. The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days agocenter_img Foreclosure professionals from across the mortgage industry attended the 2016 Five Star Conference’s Foreclosure Lab Monday morning to discuss the every-day challenges and examination from regulatory agencies, servicers, and investors.The lab began with a welcome and introduction from Steve McCaffrey, President and Founder of MetroCorp Claims and the director of the lab. The group then entered into a discussion led by David Greene, Associate General Counsel for Fannie Mae, about foreclosure of e-Notes, including recent court decisions approving foreclosures of e-Notes. Touch on recent legislation pushing foreclosure sales onto online auction platforms. Proposed federal legislation to create a national note repository that will eliminate paper notes and simplify enforcement processes.Courtney Thompson, First VP Default Servicing Oversight for Flagstar Bank, then spoke to the group about the latest regulations and compliance expectations for vendors as well as steps that can be taken to make sure businesses are more attractive to servicers. Being a servicer herself, Thompson discussed OCC 2013-29, CFPB 2012-03 & UDAAP, due diligence, policies, procedures, controls, and training.There then was a panel moderated by Neil Sherman, Managing Partner of Schneiderman and Sherman, to discuss the constantly changing regulatory environment as well as how servicers must regularly assess their compliance position in order to adapt their operations to comply with regulatory changes. Sherman was joined with panelists including Dawn Adams, VP Default Services for Roundpoint Mortgage Servicing Corporation; Mark Gugino, SVP, Foreclosure and Document Execution for Wells Fargo Bank; Carolyn Taylor, Partner for Hughes Watters Askanase L.L.P.; and Lawrence Zielke, Managing Partner for Shapiro & Zielke.After the panel, the lab invited Puneet K. Singh to speak on how to terminate the tenancy of a former borrower vs. tenant, including notice to terminate tenancy, cash for keys agreements, and eviction process. Singh went into depth about how, in general, most states require some type of eviction process and she focused on the stricter states which require longer time periods, relocation payments, etc. She also discussed the cash for keys process and general timelines and costs for evictions across different states and how to use that information to leverage the best cash-for keys deal.Sharmila Bharwani, Assistant General Counsel for Citigroup, Inc., then took the stage to share with the audience about the topic of examination of proposed bankruptcy rules, CFPB periodic statements, unsecured POCs, and statute of limitations. William Glasgow, Jr., SVP Head of Mortgage Servicing for HSBC then lead a panel on managing aged inventory and strategies to reduce risk together with Rob Cooper, Managing Director for Assurant Field Services; Jay Jones, Partner for Phelan Hallinan Diamond & Jones; Keller Mackie, President for Mackie Wolf Zientz & Mann; and Wanda Montgomery, SVP Foreclosure for Fay Servicing. To wrap up the session, CFPB Senior Counsel for Office of Regulations’ Laura Johnson discussed CFPB’s foreclosure-related aspects of the new mortgage servicing final rule.Editor’s Note: The Five Star Institute is the parent company of DS News and DSNews.com. Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post in Daily Dose, Featured, Foreclosure, News Tagged with: Five Star Conference and Expo Foreclosure Lab Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Previous: REO Agents and Brokers Prepare for the Future Next: Five Star Honors Veterans at Military Heroes Keys for Life Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Subscribelast_img read more

Read more on Foreclosure Sector Professionals Discuss Every-Day Challenges

Deputy Pringle says household charge campaign has been a huge success

first_img Twitter Twitter WhatsApp RELATED ARTICLESMORE FROM AUTHOR A Donegal South-West Deputy has hailed the countrywide campaign against the household charge as a success.Nationally it’s been estimated by the government that 805,000 of the 1.6 million properties in the country registered by Saturdays deadline.While Donegal was said to have the lowest collection rate of any council in the country.Deputy Thomas Pringle says even though the deadline has now passed, people must still stick together against the charge…..[podcast]http://www.highlandradio.com/wp-content/uploads/2012/04/tomp1pm.mp3[/podcast] 75 positive cases of Covid confirmed in North WhatsApp Pinterest Facebook Gardai continue to investigate Kilmacrennan fire Pinterest Google+center_img Google+ By News Highland – April 2, 2012 Further drop in people receiving PUP in Donegal News Man arrested on suspicion of drugs and criminal property offences in Derry Main Evening News, Sport and Obituaries Tuesday May 25th Deputy Pringle says household charge campaign has been a huge success Previous articleDerry Councillor condemns weekend arson attacks in Galliagh areaNext articleDonegal walkers say Malin to Dublin walk was best thing they’ve ever done News Highland 365 additional cases of Covid-19 in Republic Facebooklast_img read more

Read more on Deputy Pringle says household charge campaign has been a huge success

Operation Fannacht underway until Monday night

first_img Google+ Facebook Twitter Pinterest Pinterest Google+ Facebook Operation Fannacht underway until Monday night AudioHomepage BannerNews Arranmore progress and potential flagged as population grows Loganair’s new Derry – Liverpool air service takes off from CODA Twittercenter_img WhatsApp Community Enhancement Programme open for applications Previous articleMcGowan says ABP must help council in flood work planningNext articleExpect more positive cases as testing criteria broaden – Holohan News Highland RELATED ARTICLESMORE FROM AUTHOR News, Sport and Obituaries on Monday May 24th Important message for people attending LUH’s INR clinic By News Highland – April 28, 2020 A major Garda operation to prevent the spread of Covid-19 over the upcoming May Bank Holiday weekend is formally underway.Operation Fanacht, which was first implemented at Easter, will see thousands of checkpoints and patrols carried out by Gardaí through to midnight on Bank Holiday Monday. Commissioner Drew Harris says it will be the biggest ever mobilisation in the history of the force.Brendan O’Connor, Donegal’s Garda Representative Association spokesperson says people have generally been very compliant with the Covid-19 restrictions and regulations……….Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/04/06oconnorgra.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. WhatsApp Nine til Noon Show – Listen back to Monday’s Programme last_img read more

Read more on Operation Fannacht underway until Monday night

TUC calls for urgent law review

first_imgRelated posts:No related photos. Comments are closed. Corporate manslaughter is back on the agenda following a not guilty verdicton dockland deathThe Government is being urged to bring forward plans for a new law oncorporate manslaughter, after a company was cleared in November of manslaughterin the case of a casual worker decapitated by the jaws of a crane. John Monks, general secretary of the TUC, said the not guilty verdict was”devastating blow” to the victim’s family. “It is also a blow to everyone who wants to see fewer people killed atwork. It puts the pressure on the Government – we need a new law on corporatekilling so that corporate responsibility is clear and the penalties areeffective, and we need it as soon as possible,” he said. In March, 2001, the Government proposed creating a new offence of corporatekilling, designed to make companies and public bodies criminally liable fordeaths caused by poor safety management. However, the legislation was not included in the last Queen’s Speech,although ministers have indicated the subject is still very much on the agenda.Simon Jones, 24, was killed at Shoreham dockyard in West Sussex in May 1998when the jaws of a mechanical grabber closed over him, severing his head. A jury at London’s Old Bailey cleared general manager Richard Martell andthe company, Euromin, of manslaughter, although the firm was found guilty oftwo breaches of health and safety regulations. It was fined £50,000 and orderedto pay £20,000 in costs. Jones, a student on his first day in the job, had been helping to unloadbags of stones from the hold of a cargo ship. He was killed when the lever thatoperated the grab got caught in the clothing of the crane operator, causing itto close. The HSE said the verdict showed the difficulties within the present legalsystem of bringing a case of manslaughter against a company or individual outof a death in the workplace. But the fact that the company had been heavily fined showed that health andsafety laws had been effective in this case, a spokesman added. Corporate complacency to blameCorporate complacency is at the heart of this year’s 34 per cent rise inworkplace deaths, the Industrial Society has claimed. In October, the HSC confirmed there had been 295 workplace fatalities in2000/2001, compared with 220 the previous year. The society added its weight to calls for the Government to proceed with itsproposed corporate manslaughter legislation (see above) without delay and urgedemployers to revisit their risk management programmes. Funding for the Health and Safety Executive needed to be increased andcompany directors needed to make sure health and safety was a boardroom issue,it added. At the same time, a poll by the TUC has shown greater appetite among thegeneral public for prosecutions of firms that flout health and safety laws. The telephone poll of 1,000 people found 45 per cent of respondents wantedto see more prosecutions, compared with 19 per cent against. TUC calls for urgent law reviewOn 1 Jan 2002 in Personnel Today Previous Article Next Articlelast_img read more

Read more on TUC calls for urgent law review