...AXA Insurance Singapore Pte Ltd 1800 880 4888 (Within Singapore) (65) 6880 4888 (International) (65) 6880 4740 customer.care@axa.com.sg www.axa.com.sg MALIKI MIKAIL DORAISAMY 725 JURONG WEST AVENUE 5 #03-176 SINGAPORE 640725 SmartDrive Comprehensive Private MPV APW Original date 12/02/2015 policy number VA1 / P1049663 your servicing distributor TECK WAH LIOW / 05096 Renewal Notice your servicing distributor contact 6572 2828 / 96333552 Dear MALIKI MIKAIL DORAISAMY, Thank you for insuring with AXA. Your SmartDrive Comprehensive Private MPV APW policy covering your car SGZ5727J is expiring on 12/04/2015. We invite you to renew your insurance cover, which is detailed as per below. The period of renewed cover effectively starts from 13/04/2015 to 12/04/2016, both dates inclusive. SmartDrive Comprehensive Private MPV APW KEY BENEFITS Usual Price Basic Own Damage Excess Reduction for AXA Premium Total Own Damage Excess: SGD 0.00 10% DISCOUNT (SafeDriverDiscount) Workshop Windscreen Repair with no Excess (for cars with one (1) or nil windscreen claim in the last three (3) years) Guaranteed Repairs for twelve (12) Months 24/7 Towing & Transportation in Singapore or Overseas Loss of Personal Effects in Singapore up to $3,000 Daily Transport Allowance of $50 for a maximum of 5 days Personal accident benefit of up to $30,000 for you or one of your named drivers while driving and $20,000 per passenger Double Personal Accidental Benefit for Young and Old Passengers Medical and dental...
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...I have been interested in I.C.T. and the impact it has on people’s lives since the day my family got our first P.C. a 486Mhz processor P.C. Obviously at the time this was thought to be at the fore front of the computing world, but due to how quickly technology has evolved, times have changed. Having studied, I have become more and more interested not only in the impact it has on people’s lives, but the huge impact it has and can have on the business world. During my I.C.T. A-level, I spent time designing and creating an information system to be used by a real end-user. I found this to be the highlight of my two year course and was particularly interested in the detailed processes that have to be undertaken by teams within an organisation, in order to initiate a fully functional system. My reason for choosing this course is clear, both business and I.C.T. affect all of us in our everyday lives. Although both subjects are somewhat demanding, I find them extremely interesting and I am confident that a degree combining both of them is the correct choice to enable me to begin a career in an area that I will enjoy. I represented my school at rugby at all levels and also had the opportunity to undertake some uncommon activities at school. These included archery, sailing, rifle shooting and wind surfing. I was also lucky enough to have the opportunity to attend a one-week windsurfing course during which I achieved my level one windsurfing qualification. In my spare time I enjoy a wide...
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...Bharti Airtel Limited Annual Report 2010-11 Board of directors Sunil Bharti Mittal Akhil Gupta Chua Sock Koong N. Kumar Ajay Lal Craig Ehrlich Pulak Prasad Rakesh Bharti Mittal Tan Yong Choo Evan Mervyn Davies Rajan Bharti Mittal Hui Weng Cheong Nikesh Arora Salim Ahmed Salim Tsun-yan Hsieh Manoj Kohli Table of contents Corporate information Performance at a glance rformance Chairman's message airman's CEO (International) & JMD's message O (Internation onal) on CEO (India & South Asia)'s message O (India dia Corporate social responsibility rporate po Directors' report rectors' e Management discussio & analysis nage agement discussion ssio ssion Report on corporate governance governance port ver ve Secretarial audit report report cretarial o Standalone financial stateme with Aud ors' report Auditors' ndalone a statements ments me e uditors r Consolidated financial statements with Auditors' report nsolidated financial statements w i nt with t 2 3 4 6 8 10 0 1 14 24 30 47 48 103 1 Bharti Airtel Annual Report 2010-11 Corporate information Board of directors Mr. Sunil Bharti Mittal Chairman & Managing Director Mr. Manoj Kohli CEO (International) & Joint Managing Director Non-executive directors Mr. Ajay Lal Mr. Akhil Gupta Ms. Chua Sock Koong Mr. Craig Ehrlich Lord Evan Mervyn Davies Mr. Hui Weng Cheong Mr. N. Kumar Mr. Nikesh Arora Mr. Pulak Prasad Mr. Rajan Bharti Mittal Mr. Rakesh Bharti Mittal H.E. Dr. Salim Ahmed...
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...Economics of industry According to Daniel O. Klier, diversification is defined as a process when the firm enters into a new product category than the industry that it is currently working in. Thus, diversification leads to the firm entering into new markets by offering new product range. Currently, many companies have been initiating to enter into diversification since it helps to reduce their dependency on a single product range and its limited market. Over a period of time, many companies have been diversifying to reduce their risks. For instance, Wipro which is an IT firm few years back diversified into fast moving consumer goods industry, Giorgio Armani which is a fashion luxury goods brand diversified into hotel industry, Hindustan unilever limited diversified into water purifiers etc. A firm can diversify into three categories: Concentric diversification: in this type of diversification the companies would like to generate those product categories which require the same technology inputs. Thus, the company will be using the same research and development and technological knowhow and enter into a new product category. For instance, for instance, Maggie has introduced soups and ketchups where the technological efforts in the food processing market remain the same but the product is new. Conglomerate diversification: in this type of diversification, the company is entering into a new industry with a new product range which is not similar to its products in any form. for...
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...Together good things happen... Bharti Airtel Annual Report 2009-10 Airtel centre The Airtel Centre – Inaugurated on November 13, 2009 Centre of excellence that houses more than 3,000 employees, 13 offices and spread over 600,000 sq.ft. Table Bharti Airtel Annual Report 2010 of contents 1 Corporate information 2 Corporate history and Top 30 shareholders 3 Performance at a glance 4 Awards & honours 5 Chairman’s message 6 Board of directors 7 CEO (International) & JMD’s message 8 CEO (India & South Asia)‘s message 9 Together good things happen 10 Corporate social responsibility 11 Directors’ report 12 Management discussion & analysis 13 Report on corporate governance 14 Secretarial audit report 15 Standalone financial statements with Auditors’ report 16 Consolidated financial statements with Auditors’ report 17 Notice of annual general meeting 2 3 4 5 6 8 12 14 18 24 32 40 46 63 64 115 159 1 Corporate Board of directors Sunil Bharti Mittal Chairman and Managing Director information Group General Counsel & Company Secretary Vijaya Sampath Statutory Auditors Manoj Kohli CEO (International) & Joint Managing Director Non-executive directors Ajay Lal Akhil Gupta Arun Bharat Ram Chua Sock Koong Craig Edward Ehrlich Lim Chuan Poh N. Kumar Nikesh Arora Pulak Chandan Prasad Rajan Bharti Mittal Rakesh Bharti Mittal Tan Yong Choo CEO (India & South Asia) Sanjay Kapoor S.R. Batliboi & Associates, Chartered Accountants Auditors – US GAAP Ernst & Young...
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...Lorem Ipsum | Lorem Ipsum Dolor Sit Amet [Insert Date] | Corporate Level Strategy Corporate Strategy Airtel is the single largest player, both in terms of revenue and customers in the Wireless segment and in the Airtel Business segment in India. It is the largest private player in the Telemedia services – Broadband and Fixed Line services. It also is one of the leading players in the other SBU’s – Digital TV services, and passive infrastructure services. As the market leader, Airtel is making efforts to expand the total market, as well as defend its market share. Airtel has played a key role in the introduction of 4G/LTE services and in the Digital TV space in the country. It has also penetrated the rural market, which now boasts of a much better ARPU than before. As the market leader, Airtel’s strategy has been 4 fold – * High Usage, High Price: Airtel has focused on higher usage and higher price in India. Airtel started with low pricing, which helped it augment its subscriber base (largest in the country), and then steadily increased the prices. However, with the entry of newer firms like Docomo and Aircel, this strategy has not played off very well, with Airtel losing market share, from over 30% 4 years ago to just over 20% currently. * Marketing and Branding: Airtel has, over the years, laid strong emphasis on marketing and branding. The Brand ‘Airtel’ is one of the most recognizable brands in the country, let alone telecom. It has engaged in mass spending...
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...article center Tuesday, July 24, 2012 mkt plan final mkt plan final 1. Introduction of “Tea Garden” Tea is the most popular non-intoxicating beverage in the world enjoyed by the rich and poor alike. Tea drinking was quite common in every part of the world. The most popular form of value addition is selling branded tea. This involves not only the packing of tea but also blending of other varieties to maintain consistency of taste. To arrive at a blend, expert tea tasters sample hundreds of liquors. Convenient drinks like instant tea (soluble tea powder), tea bags (bags are dipped in hot water), ready to drink (served in cans) and flavored tea (with vanilla, strawberry flavor) are becoming popular in developed countries like the USA and Japan. So we bring our new product “Tea Garden”: The ultimate readymade milk tea in the Bangladeshi market. But this product is quite different from other. Every one offer this kind of product in a powdered form which need to boil in water for 2-3 minutes and then filter it to drink but this is time consuming, other company provide tea bag of raw tea and other market this as a form of cans. But we bring this product in a tea bag with separated chamber for each item that is sugar, milk and tea leaves. This product is completely new in Bangladeshi market. We are going to introduce this product with the slogan “Refreshing Bangladesh”. And we are here to refresh the Bangladesh again with a strong sprite. 1.1 Product Preview This product...
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...Building and Sharing Vital Infrastructure Building and Sharing Vital Infrastructure Bharti Crescent, 1 Nelson Mandela Road Vasant Kunj, Phase II, New Delhi - 110 070 www.bharti-infratel.com Annual Report 2012-13 Table of Contents Corporate Information 1 Board of Directors 2 Performance at a Glance 4 Joint Message from the Chairman and Managing Director 6 CEO’s Message 8 Corporate Social Responsibility 10 Directors’ Report 15 Management Discussion and Analysis 26 Report on Corporate Governance 32 Secretarial Audit Report 47 Standalone Financial Statements with Auditors’ Report 48 Consolidated Financial Statements with Auditors’ Report 84 Notice of Annual General Meeting 122 Glossary 132 BHARTI INFRATEL LIMITED ANNUAL REPORT 2012-13 Corporate Information Board of Directors Mr. Rakesh Bharti Mittal – Chairman Mr. Akhil Gupta – Managing Director Mr. Bharat Sumant Raut Mr. Jitender Balakrishnan Ms. Leena Srivastava Mr. Murray Philip King Mr. N Kumar Mr. Sanjay Nayar Mr. Sarvjit Singh Dhillon Mr. Vinod Dhall Chief Executive Officer Mr. D S Rawat Company Secretary and Compliance Officer Mr. Anupam Garg Statutory Auditors M/s S.R. Batliboi & Associates LLP, Chartered Accountants Internal Auditors M/s Protiviti Consulting Private Limited Registered Office Bharti Crescent, 1, Nelson Mandela Road Vasant Kunj, Phase – II, New Delhi 110 070 Head Office 901, Park Centra...
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...http://www.docstoc.com/docs/21061665/AIR-TEL-PPT http://www.authorstream.com/Presentation/rohit.arde123-323275-airtel-presentation-final-others-misc-ppt-powerpoint/ http://www.moneycontrol.com/company-facts/bhartiairtel/history/BA08 Company History - Bharti Airtel Bharti Tele-Ventures was incorporated on July 7, 1995 as a company with limited liability under the Companies Act, for promoting telecommunications services. Bharti Tele-Ventures received certificate for commencement of business on January 18, 1996.The Company was initially formed as a wholly-owned subsidiary of Bharti Telecom Limited. The chronology of events since Bharti Tele-Ventures was incorporated in 1995 is as follows: http://www.indiainfoline.com/Markets/Company/Fundamentals/Directors-Report/Bharti-Airtel-Ltd/532454 Company Snapshot Bharti Airtel provides telecommunication services primarily to corporate, and small and medium scale enterprises in India. It offers global system for mobile communication (GSM) services, broadband and telephone services, national and international long distance services, and enterprise services. The company's mobile communication services include information services, short message, and prepaid and post paid services, as well as wireless application protocol-enabled Internet access and roaming services. Its telephone services include telephone services, dial-up services, special phone plus services, unified messaging, and audio conference services; and broadband...
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...of Singapore and the leadership approaches adopted by the two leaders, and the impact on the organisations. Singtel Singtel is the largest mobile operator in Singapore. It is Asia’s leading communication group, providing a wide range of multimedia and info-communications technology solutions, ‘including voice, data and video services over fixed and wireless platforms’ (Singtel 2012). The main operations are based in Singapore and led by its CEO Ms Chua Sock Koong, the 74th most powerful woman in the world. Chua first joined Singtel in 1989 as a treasurer before being appointed as the CFO in 1999, and advancing her way up as the CEO in 2006. Apart from that, she sits on the boards of several organisations, including Bharti Airtel Limited, Bharti Telecom Limited, and key subsidiaries of the SingTel Group. She is accountable for SingTel’s three key businesses – Group Consumer, Group Digital Life and Group Enterprise (Singtel 2012). StarHub StarHub is the second largest mobile operator in Singapore. Mr Neil Montefiore, who just stepped down on 28 February 2013, led the company for the last 2 years. It offers ‘information, communications and entertainment services for both consumer and corporate markets’ (Starhub 2013). Starhub also coined the term “hubbing” where its services are integrated and converged into one for its consumers. Montefiore is a well-known telecommunications veteran with over 35 years of global experience. In...
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...Wal-Mart Stores is an irresistible retail shopping force in the world we live in today. Majority of our fellow Americans have shopped at the nation’s number one retailer one time or another due to their catchy motto, “Save Money. Live Better.” or “Every Day Low Prices.”. It is also the number one retailer in Canada and Mexico. Today, the company employs 2.2 million associates worldwide and serves 200 million customers each week at more than 10,000 stores in 27 countries. One of those recently added countries being India. India is the second largest country with a population of over 1.2 billion people. The country thrives off of small businesses headed by poor families trying to make a living and to support their families. In the past decade however, India has made it clear they want to expand their horizons. This idea is not favored with everyone due to the fear of forgetting India’s roots and traditions to the modern way (or Western way). It is also causing a stir about the decline in profit to small businesses. The value of Indian economic output in 2012 will be $1.95 trillion and $2.12 trillion in 2013. That makes it one of the 10 largest economies in the world. India has already overtaken several rich countries such as Canada as far as the size of its economy goes. But faster economic growth is important as well as creating a robust economy that offers many opportunities to 1.2 billion Indians. The way to ensure this is not temporary; it’s monetary and fiscal...
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...Company Given: Bharti Airtel Major Sector: Telecom Industry Analysis: Telecom The Indian Telecommunications network is the third largest in the world and the second largest among the emerging economies of Asia. Today, it is the fastest growing market in the world. The telecommunication sector continued to register significant success during the year and has emerged as one of the key sectors responsible for India’s resurgent India’s economic growth. The mobile services were commercially launched in August 1995 in India. Driven by wireless revolution, the Indian telecommunications industry is one of the fastest growing in the world. Government policies and regulatory framework implemented by Telecom Regulatory Authority of India (TRAI) have provided a conducive environment for service providers. This has made the sector more competitive, while enhancing the accessibility of telecommunication services at affordable tariffs to the consumers. According to TRAI's report 'Telecom Sector in India: A Decadal Profile', the tele-density has increased from 4.3 in March 2002 to 78.1 in February 2012, wherein the rural areas registered an increase from 1.2 in March 2002 to 38.5 in February 2012. Also, the share of telecommunication services (excluding postal and miscellaneous services), as per cent of the total gross domestic product (GDP), has increased from 0.96 in 2000-01 to 3.78 in 2009 -10. According to the same report, international comparisons (among 222 countries) show that India has...
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...a happy, empowered and sustainable life for everyone Bharti Airtel Ltd. India Sustainability Report 2011- ‘12 mob ile m oney know ledge mobile health mobile education l TV digita mobil e agri cultur e internet the backdrop The Indian economy has seen a significant development in the last two decades. Several hundred million people are benefiting from the country’s progress. Concurrently, India’s population too has risen to more than 1.2 billion, placing an increasing burden on existing resources. Access to basic services like education, health, financial services, banking etc. are often beyond the means of the common person. Airtel’s sustainability journey endeavours to contribute further to our society and to our environment. It is our firm belief that not a single man, woman or child should be denied access to education, health and prosperity. We believe in social inclusion of people everywhere, and have made this the cornerstone of our sustainability programme. We leverage our network presence, reach and accessibility, through mobile telephony, direct-to-home television and broadband services, to contribute towards a sustainable future, not just for people everywhere but also for our planet and economy. We are confident that we can be a force of good, positive change, in society and also augment the efforts of the government, public-private groups, Bharti Foundation and NGOs in the area of sustainability. In 2011, we made a commitment...
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...Bharti Airtel has made strategic organisational changes to enhance its focus on expanding operations to international markets beyond India and South Asia. The company has created a new international business group, which will be responsible for the company's expansion plans. Manoj Kohli, joint managing director and chief executive of Indian and South Asian operations, has been appointed as the head the newly created international business division. Sanjay Kapoor, currently the deputy CEO of the company will be elevated to the position of CEO (India and South Asia), Bharti Airtel. In his new role, Mr Kapoor would have responsibility of leading India and South Asia businesses of Bharti Airtel and will drive growth and business synergies in mobile services, telemedia services, enterprise services and DTH. Sunil Bharti Mittal, chairman and managing director of Bharti Airtel, said: “The next phase of our journey is set to be another game changer - requiring superior thrust and focused leadership. We continue to win in the Indian telecom market, which is going through a phase of hyper competition. At the same time, we will be developing comprehensive plans for our journey to cover emerging markets beyond India and the South Asia.” “Bharti Airtel has one of the finest management teams in the country and a strong leadership pipeline. This new structure will leverage our management depth and build a strong platform for fulfilling our global vision. Manoj and Sanjay, are amongst...
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...MGMT 503 Obopay |Michael Irroni | 08 Fall Obopay Lauren O’Brien | Jaspreet Sanghera | LunLun Fu | Ashleigh Jessup | Eila Shargh | Michael Irroni | Nasir Rizvi 08 Fall Obopay is a private company currently located in San Mateo, CA. Since Obopay is a private company, the information utilized for this analysis came from sources such as confidential company documents as well as interviews with the former General Counsel and current consultant, CFO, and SVP of HR. A comparative company to Obopay is the Indian telecommunications giant Bharti Airtel. This company was chosen because its Airtel Money segment offers the same service as Obopay in Obopay’s primary market of India. The analysis presented in this paper is as of May 2012. Part I: Company Background History of Obopay Obopay is one of the first companies to provide mobile payment solutions, integrating mobile technology with money services. The concept behind Obopay and the mobile wallet came to Carol Realini while traveling to Africa where she saw how many people despite not having access to basic banking services did own mobile phones (“TLP SV Speakers for Nov 4: Obopay and Venrock”). Founded by Carol Realini in 2005, Obopay was designed to make banking services as pervasive as mobile phones by partnering with financial institutions and mobile service providers. In the last seven years, Obopay has established partnerships with organizations such as Nokia, MasterCard, AT&T, Verizon, Essar,...
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