CRDB Bank Plc ( HY2014 Interim Report

first_imgCRDB Bank Plc ( listed on the Dar es Salaam Stock Exchange under the Banking sector has released it’s 2014 interim results for the half year.For more information about CRDB Bank Plc ( reports, abridged reports, interim earnings results and earnings presentations, visit the CRDB Bank Plc ( company page on AfricanFinancials.Document: CRDB Bank Plc (  2014 interim results for the half year.Company ProfileCRDB Bank Plc is a wholly-owned private commercial bank in Tanzania offering a comprehensive range of retail, commercial, corporate, treasury, premier and wholesale microfinance services. The company has an extensive infrastructure of branches, ATMs and deposit and mobile terminals and uses a vast network of Fahari Huduma agents which are microfinance agents. The retail division offers financial solutions which range from current and fixed deposit accounts to home purchase and construction loans, refinancing and cash back services. The corporate division provides financial service across the board; including documentary collection, letters of credit, guarantees, structured trade finance, treasury services and foreign exchange risk management. Established in 1996, CRDP Bank Plc has three subsidiary companies; CRB Bank Plc Burundi, CRDB Microfinance and CRDB Insurance Brokers.CRDB Bank Plc is listed on the Dar es Salaam Stock Exchangelast_img read more

School’s out forever – Limerick students celebrate results

first_img Previous articleShannon Airport staff pay tribute to Robin WilliamsNext articleMan and woman injured in County Limerick shooting John Keogh RELATED ARTICLESMORE FROM AUTHOR Advertisement Consultation process on a new action plan for apprenticeship launched Education and Training Board serves up award winning standards NewsEducationSchool’s out forever – Limerick students celebrate resultsBy John Keogh – August 13, 2014 1238 Limerick schools urged to get involved in STEM challenge Twitter TAGSeducationLeaving CertificateMinister Jan O’Sullivan Printcenter_img WhatsApp Limerick social entrepreneurs honoured for their work in response to covid-19 Email Leaving certificate students from Colaiste FCJ in Limerick jump for joy with their results. L-R: Courtney McKeon, Clonmacken; Fiona Grimes, Caherdavin; Aoife Kearney, Corbally, and Niamh Irwin, Lisnagry. Picture Liam Burke/Press 22Leaving certificate students from Colaiste FCJ in Limerick jump for joy with their results. L-R: Courtney McKeon, Clonmacken; Fiona Grimes, Caherdavin; Aoife Kearney, Corbally, and Niamh Irwin, Lisnagry. Picture Liam Burke/Press 22SOME 2,450 Limerick students were among the 56,990 candidates across Ireland to receive their long-awaited Leaving Certificate results on Wednesday, August 13.A further 187 students around the county completed the Leaving Certificate Applied programme.Sign up for the weekly Limerick Post newsletter Sign Up Minister for Education Jan O’Sullivan was on hand at St Nessan’s Community College to congratulate the school’s 45 Leaving Certificate students as they opened those all-important slips of paper.“Completing secondary school and the Leaving Certificate is a milestone in many people’s lives. Every student should be proud of their achievement. Today is the culmination of much hard work and sacrifice and I hope that the effort students made is reflected in their results,” commented Minister O’Sullivan.Eugene O’Brien, principal of St Nessan’s Community College, said students at the school were “thrilled” with their results.“Every one of the students that I’ve been talking to so far were happy that they’re going to get the course that they wanted. Nobody has gone home disappointed.”Meanwhile, Minister O’Sullivan revealed that there are currently “no immediate plans” to reform the Leaving Certificate.She explained: “These things do evolve; curricula and ways of examining have to be constantly under review. One thing about the Leaving Certificate that’s very important is that there is huge faith in it, and belief in Ireland and internationally that it is a fair, objective anonymous exam, and that what you get is what you deserve, and I would be very slow to in any way dilute that.”Referring to the financial difficulties facing some students who wish to go on to third level education, Minister O’Sullivan said: “About 50 per cent of students now are qualifying for grants, which is a very high percentage. I think that’s very important and I want to make sure that that’s still available to students.“I certainly want to do everything I can to make it affordable. I feel very strongly that finance shouldn’t be a barrier to any student going on to develop their full potential.”According to the Department of Education, results obtained in most subjects broadly followed similar patterns to those of previous years.There has also been a continuing increase in the number of students taking higher level maths – up to 27 per cent this year from 16 per cent in 2011.A freephone exam helpline for Leaving Cert students, parents and teachers is available on 1800 265 165 to offer advice, information and support for those receiving their exam results. Changes to the Student Support Scheme for people living in Direct Provision Facebook Students in Limerick colleges to benefit from more than €1.5M funding to assist with online learning Linkedinlast_img read more

‘I thought we were done’: Parts fall from sky in plane scare

first_img Previous articleOilers beat Flames 2-1 to open home-and-home seriesNext articleRaptors score last 11 to defeat Timberwolves 86-81 Digital AIM Web Support A North Metro Fire Department investigator heads up Elmwood Street to view damage from debris that fell from a commercial passenger plane in Broomfield, Colo., as the plane shed parts while making an emergency landing at nearby Denver International Airport Saturday, Feb. 20, 2021. Pinterest By Digital AIM Web Support – February 20, 2021 Twitter Pinterest WhatsApp Facebookcenter_img Local NewsUS News Twitter Facebook ‘I thought we were done’: Parts fall from sky in plane scare WhatsApp TAGS  last_img read more

Loan Defects Up Since 2017

first_img Demand Propels Home Prices Upward 2 days ago About Author: David Wharton Related Articles Loan Defects Up Since 2017 Previous: Strengthening the Industry Through Diversity and Inclusion Next: Citizens Bank Adds 200K Households to its Servicing Portfolio The frequency of loan defects, fraud, and misrepresentation in the information submitted in mortgage loan applications remained flat in April 2018, but increased slightly over April 2017. That’s according to the latest release of the Loan Application Defect Index, published Wednesday by First American.As explained in the release, First American’s Loan Application Defect Index (LADI) “reflects estimated mortgage loan defect rates over time, by geography and loan type.” The LADI held steady between March and April 2018, but increased slightly year-over-year (YOY), rising by 1.2 percent.The Defect Index for refinance transactions increased by 1.4 percent over March 2018, and was up 7.6 percent year-over-year. The Defect Index for purchase transactions, however, decreased by 2.2 percent month-over-month and increased 2.2 percent year-over-year.For a bit of longer-term perspective, the Defect Index peaked in October 2013—since then, it has decreased by 19.6 percent.The five states demonstrating the greatest YOY increase in loan defects are Arkansas (+16.7 percent), Wyoming (+13.5 percent), New Mexico (+13.0 percent), Virginia (+12.2 percent), and Maryland (+10.8 percent). On the other end of the spectrum, South Carolina featured the greatest YOY decrease (-13.3 percent), followed by Louisiana (-12.9 percent), Minnesota (-10.6 percent), Alabama (-10.0 percent), and Vermont (-9.6 percent).The report also examines the long-term impact of the “ability-to-repay” rules implemented in 2014 on loan defects in the years since. In January 2014, a new set of “requirements for mortgage lenders to carefully assess a consumer’s ability to repay their mortgage loan” went into effect after having been introduced by the Consumer Financial Protection Bureau.“Since the ability-to-repay rules were issued, there has been a precipitous and significant decline in income-specific mortgage loan application misrepresentation, defect, and fraud risk,” said Mark Fleming, Chief Economist for First American. “In fact, our income-specific metric within the Loan Application Defect Index reached its peak in December 2012, one month before the rules were issued. By September 2013, nine months later, the income-specific defect risk metric declined 33 percent, as lenders implemented new loan manufacturing and underwriting practices in preparation for the effective start of rule in January 2014. Since then, income-specific defect and fraud risk has continued to decline and is currently 70 percent below its peak prior to publication of the ability-to-repay rules.”You can lean more about First American’s Loan Application Defect Index by clicking here. Defect First American Loan Application Defect Index Loan Applications Loan Defects Mortgage Loans 2018-05-30 David Wharton David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] in Daily Dose, Featured, Journal, Market Studies, News, Servicing Tagged with: Defect First American Loan Application Defect Index Loan Applications Loan Defects Mortgage Loans  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago May 30, 2018 1,794 Views Share Savecenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Loan Defects Up Since 2017 Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Paediatric Diabetic Service to be maintained in Letterkenny

first_img Twitter Calls for maternity restrictions to be lifted at LUH The government says there are no plans to remove or downgrade the existing Paediatric Diabetic Service at Letterkenny General Hospital.Senator O’Domhnaill raised the issue in the Seanad, and was told by Junior Health Minister Roisin Shorthall that specialist nurses are already in place in Letterkenny and a Specialist Consultant is due to start at the hospital next month.Senator O’Domhnaill says he raised the issue after a meeting in Donegal last weekend with the parents of children with diabetes, and they will welcome these assurances:[podcast][/podcast] Google+ Pinterest By News Highland – December 15, 2011 WhatsApp Previous articleLetterkenny Town Council look at options to remove ESB cablesNext articleEircom says every effort is being made to return phone services News Highland Twitter Guidelines for reopening of hospitality sector published Facebook WhatsAppcenter_img Google+ Help sought in search for missing 27 year old in Letterkenny Facebook Newsx Adverts 448 new cases of Covid 19 reported today RELATED ARTICLESMORE FROM AUTHOR Paediatric Diabetic Service to be maintained in Letterkenny Three factors driving Donegal housing market – Robinson NPHET ‘positive’ on easing restrictions – Donnelly Pinterestlast_img read more

PSNI in Derry investigating report of suspected paramilitary style assault

first_img PSNI in Derry investigating report of suspected paramilitary style assault Facebook Twitter Pinterest Previous articleDonegal Deputy calling on Agriculture Minister to resume beef price talksNext articleAbandoned puppies being cared for at Donegal Animal Rehabilitation Centre News Highland DL Debate – 24/05/21 WhatsApp Twitter Facebook News, Sport and Obituaries on Monday May 24th Important message for people attending LUH’s INR clinic Google+center_img Detectives at Strand Road are appealing for information following a report of a suspected paramilitary style assault at the Iniscarn Road area of Derry last night.Detective Inspector Michael Winters says at around 11pm, it was reported that a 17 year old male was taken to hospital following an assault in a field in the area by a group of masked males.The man was treated in hospital for injuries to his legs which are not believed to be life threatening. It is believed that a crowbar was used during the incident.Meanwhile, Police say shortly before 00:20am, it was reported that a 16 year old male received injuries to his legs believed to have occurred at the earlier incident at Iniscarn Road, he was also treated at hospital for injuries not believed to be life threatening.Enquiries are continuing to establish the circumstances surrounding this incident and police are appealing to anyone who witnessed anything suspicious in the Iniscarn Road area between 10pm and 11pm last night to come forward.Meanwhile, detectives in Strand Road are also appealing for information following another suspected paramilitary style assault last night, this time in the Clon Dara area of the city.Shortly before 11pm an altercation outside a house resulted in three men receiving injuries after being attacked by baseball bats and an iron bar.All three were taken to hospital for their injuries which are not believed to be life threatening.Police say they are not investigating a link between both incidents. Google+ By News Highland – August 30, 2019 Arranmore progress and potential flagged as population grows Pinterest RELATED ARTICLESMORE FROM AUTHOR Homepage BannerNews WhatsApp Loganair’s new Derry – Liverpool air service takes off from CODA Nine til Noon Show – Listen back to Monday’s Programmelast_img read more

Sony plays a new game

first_imgSony plays a new gameOn 1 Sep 2002 in Personnel Today Previous Article Next Article Comments are closed. Simon Kent looks at how the Consumer Business Group at Sony Europeintroduced experimental training methods to employees from the eastern areas ofthe continentWhen Sony Europe set out to develop leadership skills within its easternEurope managers, they wanted an event which would be a memorable experience.The intervention had to engage participants, giving them valuable experienceand learning they could take back to the organisation in their own country. According to Dipayan Roy, senior manager for training and development of theConsumer Business Group for Sony Europe, the final intervention, completed thissummer, had its genesis two years previously with an extensive competencyassessment exercise. This research helped the organisation identify areas whichwould be important to the development of the company in the future. “We used self-assessment, behavioural event interviews andconsultations among managing directors and many other people who worked withthese people on a daily basis,” says Roy. Faced with increasingcompetition and a rapidly changing market place, these managers were seen tohave a very specific and important role to play within their organisations.”The programme we wanted to design had to focus on giving these managersthe skills needed to lead change, rather than just enduring change,”explains Roy, “We needed something which would push them outside theirusual comfort zones but which would ensure the entire experience could betransferred back to the workplace.” Sony defined the required leadership competency as the ability to set avision and high standards and to convince others to strive towards thoseobjectives. “It involves motivation skills and the ability to empowerteams to make sure the desired results are achieved,” says Roy. At thesame time, given the shifting economies of eastern Europe, the company also neededa competency it called ‘building capability’ – an entrepreneurial skill throughwhich the managers could raise the capability of others while providingsupport. Having identified these two areas, the company turned to experientialtrainers Impact, which provided two development modules over four months.Addressing 25 participants from Sony sales, HR and other functions in Poland,the Slovak and Czech Republic, Hungary, Turkey, Romania, Bulgaria and Russia,the first of these modules lasted three days and focused on each participant’spersonal performance – increasing self-awareness. Experimenting The second module, lasting four-and-a-half days, addressed how eachindividual operated as a leader. While Impact’s characteristic experientialstyle of learning involved participants practically in experimenting withdifferent approaches to this skill, the second module featured a great deal oftheory, including an introduction to ’emotional intelligence’. “Therequirement for theory came from the participants,” notes Andy Ligema, anImpact facilitator on the project. “We didn’t use much theory in the firstmodule but by module two, there was a clear demand for material on leading andmanaging change.” While similar Western-based programmes have touched on the theory as well asthe practical aspect of leadership, it was clear Sony’s eastern Europeanparticipants had less knowledge in this area. “They hadn’t had muchexposure to these approaches,” says Ligema. “Some had virtually none,so we needed to introduce and demonstrate the concepts.” Most importantly, Sony ensured classroom learning was both supported by anddirectly affected the business by establishing individual projects for eachparticipant to begin and continue alongside the development intervention. Theprojects were split between initiatives which the managers had to address inthe course of their work and new initiatives derived by the individualconcerned. “We had the option of creating projects specifically for developmentpurposes” says Roy, “But this way we could identify things that wereimportant to those managers and assess what was not being done within theorganisation.” While the projects were revisited during Impact’s secondmodule, they were not designed to terminate with the development programme butto go on into the future, delivering business gains. “Not only did we set up these projects for each individual, but we madesure the business would champion each project,” says Roy. This approachincreased the value managers felt the organisation attached to theirdevelopment and made them realise the contribution they could make to thebusiness. It demonstrated that the organisation wanted to benefit from theirincreased leadership skills. Feedback from the course has been extremely positive. The managers involvedhave reported increased awareness of the impact they have on the people aroundthem, are more confident in their leadership and feel supported by theorganisation, not least through the network of managers the modules have established.”The fact the business projects identified are clearly moving forwardis extremely encouraging,” says Roy. “It shows the initiative has got the right balance. We have ourmanagers’ endorsement, while also improving performance within the organisationitself,” he adds. Related posts:No related photos.last_img read more

Circumpolar response of Southern Ocean eddy activity to a change in the Southern Annular Mode

first_imgAnalysis of satellite altimeter data reveals anomalously high Eddy Kinetic Energy (EKE) in the Antarctic Circumpolar Current (ACC) during the period 2000–2002. Around 2–3 years earlier (1998), the circumpolar eastward wind stress (as quantified by the Southern Annular Mode; SAM) showed a significant positive peak, and we have shown previously that the ACC peaked around 1998 in response. An eddy-resolving ocean model is used to investigate the delay between wind forcing and the eddy response, and demonstrates that the lag is due to the time taken to influence the deep circulation of the ACC. Winds over the Southern Ocean have shown a strong climatic increase over the past few decades. If this increase in winds is also reflected as an increase in eddy activity (as our analysis suggests it might), then the increased poleward heat flux may have played a significant role in the observed warming of the Southern Ocean.last_img read more

Sotherby’s International Realty and Concierge Auctions form strategic alliance

first_imgMajestic Villa dominating Rome, 30.000.000 EUR through Italy Sotheby’s International Realty. Sotheby’s International Realty and Concierge Auctions have embarked on a strategic alliance in which Concierge Auctions will be the Preferred Auction Provider to Italy Sotheby’s International Realty and Italy Sotheby’s International Realty will be Concierge Auctions main reference for the Italian market. The alliance unites the esteemed Italian real estate brokerage with the industry leader in luxury real estate auctions around the world.“One of the core values of Italy Sotheby’s International Realty is to provide the highest standards of service and the broadest international exposure to real estate buyers and sellers,” said Lodovico Pignatti Morano, Managing Partner, Italy Sotheby’s International Realty. “Concierge Auctions has the largest footprint in international property auctions and over a decade of proven success in the high-end sector. Through its platform, our agents can now offer a proactive, time-certain solution to clients in the buying and selling of the world’s most distinctive properties. Concierge Auctions was founded 11 years ago as an enhancement to traditional brokerage methods alone to most effectively transact high-end properties. Today is an exciting time, as we continue to receive more interest than ever from buyers, sellers, and agents for our on-demand solution,” said Charlie Smith, European Advisor of Concierge Auctions. “Italy Sotheby’s International Realty’s respected reputation and vast knowledge of the Italian real estate market combined with our ability to market homes globally through our 24/7 digital platform is a transformation of the home buying experience for both buyers and sellers of high-end Italian properties. We’ve made a strategic decision to align with this esteemed brand, known for a tradition of utmost excellence for the most distinguished properties in Italy and throughout Europe.”conciergeauctions.comMajestic Villa dominating Rome Sotheby’s International Realty Concierge Auctions auction alliance auction providers auction August 22, 2019The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Auctions news » Sotherby’s International Realty and Concierge Auctions form strategic alliance previous nextAuctions newsSotherby’s International Realty and Concierge Auctions form strategic allianceThe Negotiator22nd August 20190202 Viewslast_img read more

LMH tutor in Lib Dem harassment claims

first_imgIn a statement released on Sunday, the Lib Dem leader Nick Clegg maintained that “the allegations made on Channel 4 concerning Lord Rennard last Thursday were extremely serious and distressing to the women involved. It is critical they are investigated thoroughly and dealt with properly and they will be. In the meantime, I will not stand by and allow my party to be subject to a show trial of innuendo, half-truths and slurs. The important thing is that we respect the women who have come forward and do everything to get to the truth.”Lord Rennard has announced that he will step down from his position in the Liberal Democrat group in the House of Lords, and has resigned from the Federal Policy Committee, the body in charge of writing party manifestos. Lord Rennard’s lawyers dismissed the allegations as a “total distortion of his character”, adding, “Not a single complaint of misconduct was made against him to his knowledge during the 27 years he worked for the Liberal Democrat party. Despite the claim made by one woman in the report, Lord Rennard continued working closely with her for 10 years after the alleged event described.”Georgia Luscombe, Female Welfare Officer at Lady Margaret Hall, told Cherwell, “Allegations of sexual harassment against women in Parliament, particularly those in a subordinate role to their male counterparts and thus more vulnerable to exploitation, should be taken extremely seriously. Failure to do so would be damaging both to political parties’ reputation but also to women’s political aspirations.”Magdalen student Elizabeth Brierley said, “In their own Constitution, the Liberal Democrats reject discrimination of any sort and ‘oppose all forms of entrenched privilege and inequality’, but this most recent scandal has shown that even the Liberal Democratic party tolerates misogyny. By covering up the situation and not dealing with the claims of abuse as they were made, the Lib Dem party has reinforced the prevalent male view that sexual abuse, and allegations thereof, are trivial. Furthermore, what has made this situation all the more tragic is that one of the women involved has said that she didn’t make a formal complaint because she didn’t want “any fuss”. It seems to me that it will only be when allegations of sexual abuse are no longer seen as a waste of time and a bit of a joke, that we might then be able to strive for real equality.” Alison Smith, a Politics tutor at Lady Margaret Hall, is among one of a number of women who have spoken out against Lord Christopher Rennard in the latest sexual scandal to shake the country. Lord Rennard, former Liberal Democrat chief executive and currently a peer in the House of Lords, has been accused by various women of sexual harassment in a programme broadcast by Channel 4 news last week. Smith alleged in the programme that Lord Rennard had inappropriately touched her and a friend at a party six years ago at the peer’s home. She claims to have reported the incident to senior members of the party came to no avail. In particular, Rennard has been accused of taking advantage of his position of power in order to approach young women at training events for female political candidates. Citing one of her reasons for making her allegations public, Smith told Cherwell, “We had to think of the safety of future generations of women entering politics. I felt this very keenly as a politics lecturer, because some of the talented young women that I teach will hopefully stand for public office in the future, and they could find themselves at such events within a few years”.The allegations, made by several women, refer to events which took place between five and ten years ago. They were reportedly brought up with senior Party leaders, including Paul Burstow, the Lib Dem Chief Whip, and the equalities spokesman Jo Swinson, now Minister for Women and Equalities. One woman claimed that when she informed senior party members about Lord Rennard’s advances on her, “they openly laughed and thought it was hilarious.”The Liberal Democrat Party has launched two investigations into the allegations of sexual harassment, and how the party has dealt with these allegations in the past. In an interview with the BBC, Vince Cable insisted that these investigations will have an “independent element”, and denied that he or Nick Clegg had any knowledge of the allegations before they were made public. Speaking to Cherwell, Smith insisted, “We need to change the culture where people are prepared to turn a blind eye to such damaging behaviour. The ‘Rennard Issue’ is the main reason why the Liberal Democrats have one of the lowest percentages of female MPs of any mainstream political party in any Western democracy.  Hopefully that culture will now change.”last_img read more