Financial Statement of Grameenphone
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Easypaisa and Grameenphone Win Global Mobile Awards
Easypaisa and Grameenphone win Global Mobile Awards Yesterday, at the Mobile World Congress in Barcelona Telenor Pakistan’s Easypaisa was awarded two Global Mobile Awards. Telenor's Bangladeshi operation, Grameenphone was also a winner! On Tuesday 25 February, the GSM Association announced the winners of the 19th Annual Global Mobile awards. “The Global Mobile Awards once again showcase the outstanding level of innovation and creative products and services being developed across a diverse and growing industry,” said John Hoffman, CEO, GSMA Ltd. in a press release. “With more than 680 high calibre entries this year, the competition was stronger than ever and it is a significant achievement to have been honoured today.” Easypaisa wins Best Mobile Money and Best Service for Women Awards Easypaisa, the first and largest branchless banking service in Pakistan, owned by Telenor Pakistan and Tameer Bank was announced winner in the following two categories: Best Mobile Money Service and Best Mobile Service for Women in Emerging Markets. “This is a great recognition of the efforts Easypaisa has made in providing financial inclusion to the unbanked population of Pakistan. We have innovative products and strong distribution channels in combination with a high performing team. Our approach has been very focused on addressing customer’s key needs and also entering into close partnerships with organisations like Benazir Income Support Program. Last night’s awards give encouragement and motivation for continuous efforts to improve people’s lives in Pakistan,” said Roar Bjærum, Head of Financial Services Asia who received the award. Today Easypaisa serves over six million customers every month through a wide network of 35,000 agents in 750 cities across Pakistan. -
Annual Report 2018
ANNUAL REPORT 2018 ANNUAL REPORT Grameenphone Ltd. GPHouse Bashundhara, Baridhara, Dhaka-1229, Bangladesh Tel: +880-2-9882990, +88 01799882990 Fax: +880-2-9882970 Website: www.grameenphone.com EXPLORE Grameenphone wants to contribute to meet climate challenges and aims to reduce the consumption of resources and overall impact on the environment. In an effort to minimize paper consumption, we limit the MORE scope of the printed annual report within regulatory requirement. Grameenphone’s website provides extensive information about the Company and its current activities: www.grameenphone.com ANNUAL REPORT 2018 We live in a world where pocket-sized devices have become the gateway for limitless exploration and unbound resources, something previously unimaginable. Now knowledge, wisdom and opportunities are just a few clicks away, heralding a new horizon of technological empowerment. At Grameenphone, we help overcome boundaries through digitalisation. Our products’ platforms serve as a catalyst to realising dreams. We believe in continuous innovation and ensuring the best customer experience in everything we do. Welcome to our Annual Report 2018 This report aims to inform stakeholders about our financial and non-financial performances in 2018. This includes a look at how we create value over time and how our strategy addresses the challenges, risks and opportunities Grameenphone faces in a fast-changing world. WHAT’S INSIDE 01 Overview 02 Business Performance An introduction to our report with a snapshot of our An insight into our operation -
Tourist World Sim EN 640517
SIM Card User Guide for Happy Tourist World SIM *This SIM card is sold outside China. Happy Tourist World SIM COVERAGE IN FREE TOLL-FREE 38 COUNTRIES 10-DAY DATA CALL CENTER GB 24hours 3coun8tries 4 Data SIM card with Free 10-day unlimited data Toll-free call center coverage in 38 countries with 4 GB at max speed (24 hours) while abroad at +66-2-202-8100 SIM Card User Guide 1 2 3 4 SMS Insert SIM card Mobile phone is automatically Refer to SMS for Ready, let’s GO! into phone connected to usage instruction *SIM card only activates in operator’s network participated countries Country Operator Operator Name Displayed on Screen Bangladesh Grameerphone BGDGP / Grameenphone Asia Cambodia CamGSM Cellcard / MobiTel / KHM-MobiTel / 456-01 Metfone metfone / KHM08 / 456 08 China China Mobile CMCC / China Mobile HongKong Smar Tone SmarTone HK / SMC HK India IDEA IDEA / INA 04 / 404 04 Vodafone Vodafone IN / 404 05 / INA 05 Airtel airtel Indonesia XL Axiata XL / 51011 Israel Cellcom IL Cellcom /425 02 / IL 02 Laos Lao Telecom LAO GSM / 457 01 Unitel Unitel / LATMOBIL / 45703 Macau SmarTone MAC SmarTone MAC / SMC MAC MalaysiaLaos Digi DiGi / DiGi 1800 / MYMT18 Celcom Celcom / MY Celcom / 502 19 Myanmar Telenor Telenor / 414 06 / TM 2G / TM 3G Pakistan Telenor Telenor PK / 410 06 Philippines Globe GLOBE / PH GLOBE / 515 02 SMART Smart Gold / SMART / 515 03 Qatar Ooredoo Ooredoo / Qtel / 427 01 Singapore SingTel Singtel / Singtel-G9 StarHub STARHUB / SGP05 / 525-05 South Korea KT (Olleh) olleh / KT / 450 08 SK Telecom 450 05 / SK Telecom / KOR SK Telecom -
Tameer Bank's Experiences with Mobile Banking
CHAPTER 11 Tameer Bank’s Experiences with Mobile Banking Shahid Mustafa1 Although Pakistan has several dynamic metropolitan centers, the majority of the population lives in rural areas, much of it far away from urban settlements. The rural population, predominantly poor, is widely unserved by the formal financial sector. This article explores how Tameer Bank aims to serve the rural poor by em- ploying modern communication technologies: The mobile phone is the corner- stone of Tameer Bank’s approach to outreach into the countryside. 1 Access to Finance: The Case of Pakistan The population of Pakistan is about 175 million, making it the sixth most popu- lous country in the world. The rural population is almost 64 percent of the total population. However, historically, the rural sector has suffered from policy neglect and the weak implementation of delivery systems for financial services. The services provided have been inadequate, inconvenient, and unaffordable. In relative terms, most attention has been paid to the provision of agricultural credit and the mobilization of deposits from wealthy people in rural areas. The provision of insurance, credit for non-farm purposes and for the landless and small farmers, and the mobilization of savings of the poor and the poorest in rural areas have not received much attention from policymakers. The lack of appropriate saving products, the almost total absence of insurance, limited access to credit for the poor and rural, non-farm activities, and an inefficient payments system has de- prived rural people of productive employment, as well as high and broadband growth. As a consequence, the rural economy is mired in a vicious circle of low growth, low productivity, low savings, weak employment generation, and rising poverty.2 1 Tameer Bank. -
Opera Mini Opera Mobile Shipments Pre-Installed in 4Q08: 7.3 Million
Opera Software Fourth quarter 2008 A note from our lawyers 2 This presentation contains and is, i.a., based on forward-looking statements. These statements involve known and unknown risks, uncertainties and other factors which may cause our actual results, performance or achievements to be materially different from any future results, performances or achievements expressed or implied by the forward-looking statements . Forward-looking statements may in some cases be identified by terminology such as “may”, “will”, “could”, “should”, “expect”, “plan”, “intend”, “anticipate”, “believe”, “estimate”, “predict”, “pp,gpgyotential” or “continue”, the negative of such terms or other comparable terminology. These statements are only predictions. Actual events or results may differ materially, and a number of factors may cause our actual results to differ materially from any such statement. Although we believe that the expectations and assumptions reflected in the statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievement. Opera Software ASA makes no representation or warranty (express or implied) as to the correctness or completeness of the presentation, and neither Opera Software ASA nor any of its direc tors or emp loyees assumes any lia bility resu lting from use. Excep t as requ ire d by law, we undertake no obligation to update publicly any forward-looking statements for any reason after the date of this presentation to conform these statements to actual results or to changes in our expectations. You are advised, however, to consult any further public disclosures made by us, su ch as filings made w ith the OSE or press releases . -
A Case Study of the Implementation and Enforcement of MARPOL Annex VI Sulphur Regulations in Kenya
World Maritime University The Maritime Commons: Digital Repository of the World Maritime University World Maritime University Dissertations Dissertations 11-3-2019 A case study of the implementation and enforcement of MARPOL Annex VI sulphur regulations in Kenya Annette Wangari Muriithi Follow this and additional works at: https://commons.wmu.se/all_dissertations Part of the Sustainability Commons, and the Transportation Commons Recommended Citation Muriithi, Annette Wangari, "A case study of the implementation and enforcement of MARPOL Annex VI sulphur regulations in Kenya" (2019). World Maritime University Dissertations. 1122. https://commons.wmu.se/all_dissertations/1122 This Dissertation is brought to you courtesy of Maritime Commons. Open Access items may be downloaded for non-commercial, fair use academic purposes. No items may be hosted on another server or web site without express written permission from the World Maritime University. For more information, please contact [email protected]. WORLD MARITIME UNIVERSITY Malmö, Sweden A CASE STUDY OF THE IMPLEMENTATION AND ENFORCEMENT OF MARPOL ANNEX VI SULPHUR REGULATIONS IN KENYA By ANNETTE WANGARI MURIITHI Kenya A dissertation submitted to the World Maritime University in partial fulfilment of the requirement for the award of the degree of MASTER OF SCIENCE In MARITIME AFFAIRS (MARITIME LAW AND POLICY) 2019 Copyright: Annette MURIITHI, 2019 Declaration I certify that all the material in this dissertation that is not my own work has been identified, and that no material is included for which a degree has previously been conferred on me. The contents of this dissertation reflect my own personal views, and are not necessarily endorsed by the University. (Signature): (Date): 24 September 2019 Supervised by: Associate Professor María Carolina Romero Lares Supervisor’s affiliation: Maritime Law and Policy Specialization ii Acknowledgements First and foremost, I would like to thank the Almighty God for enabling me to complete this research paper. -
Bangladesh Newsflash May 2018
Bangladesh Newsflash Edition 80, May 2018 Newsflash Bangladesh is a publication by the give us your comments; please feel free to send a Embassy of the Kingdom of the Netherlands in message to [email protected]. For further Dhaka. The newsflash provides an update in terms of practical economic information about Bangladesh, economic developments, the most important tenders please refer to the Netherlands Bangladesh Business and a selection of other relevant business news Platform – www.nbbp.org developed by the Embassy related to Bangladesh. This newsflash is shared with of the Kingdom of the Netherlands in Bangladesh in a distinctive group of Dutch businesses with special collaboration with Dutch Business University interests in Bangladesh. It is put together on the basis Nyenrode for the Dutch-Bangladeshi business of publicly available information from various community. The platform bundles information on all sources such as news articles, press releases, and that is relevant for doing business in Bangladesh, third party information. The Embassy of the Kingdom providing targeted sector analysis, insights into risks of the Netherlands in Dhaka is not responsible for the and opportunities of doing business, including accuracy of the published information. If you do not concrete advice on good business practices, an wish to receive the Newsflash Bangladesh, or would overview of the most relevant government policies like to add a person to the distribution list, or if you for intending investors and much more. would like to Highlights • Bangladesh overtook China and India in ethical compliance in the apparel segment due to improved workplace safety following pressure from international inspection and remediation agencies, according to a new survey. -
Introduction: Bangladesh Is a Maritime Nation with 9000 Sq Km of Territorial Waters
Bangladesh Ship Building Industry: Aims to fly high. Introduction: Bangladesh is a maritime nation with 9000 sq km of territorial waters. It lies at the apex of the Bay Of Bengal and has 700 rivers. Today there are 34,000 inland vessels,700 coastal vessels, 60 merchant ships and 180 trawlers on the rivers and seaways. Approximately 90% of all import and export is transported by sea. Shipbuilding is an important industrial, economic and nation building sector of Bangladesh. More than 150000 skilled and semi-skilled workers are employed in this labor-intensive sector. All inland and coastal ships are constructed in Bangladeshi ship yards. Now a days, Bangladesh is exporting new ships to EU market specially we delivered to Denmark, Finland, Germany a good number of ship. Besides a good number of Shipbuilding orders from Germany, Netherlands, Denmark are in line to be delivered. About a dozen of our shipyards are capable of making ships about 10000 dwt as per international standard whereas three of those performance are highly appreciated. Govt has declared shipping industry as thrust sector in the country to attract multinational companies to order new ships to build from Bangladesh. Man-hour and Productivity for Bangladeshi Shipyards: After detail analysis and calculation, the productivity of Bangladeshi shipbuilding labor average hourly charge in Bangladesh is US$ 01 only which is the lowest in the world. Following are the comparison nationwide: DIFFERENT RELATIVE LABOUR RATE: COUNTRY RATE COUNTRY RATE BANGLADESH 0.45 CANADA 11.0 INDIA 1.00 JAPAN 12.0 CHINA 1-2 ITALY 13.0 SINGAPORE 3.0 FRANCE 13.0 HONGKONG 3.0 DENMARK 13.0 TAIWAN 3.0 NORWAY 14.0 SOUTH KOREA 6.0 SWEEDEN 14.0 U.K. -
Management Team Profile
Management Team The key roles of the Management Team, headed by the Chief Executive Officer, include running the day-to-day business of the Company. Collectively, they inspire our teams and steer the success of our business. 36 Management Team Profile Mr. Yasir Azman was appointed as Chief Executive Officer (CEO) from 01 February 2020. Prior to that, he served as Deputy Chief Executive Officer (DCEO) from 26 May 2017. He also served as Chief Marketing Officer (CMO) from 15 June 2015. Mr. Azman is an experienced professional with vast international experience in multiple countries and cultures. Before joining as CMO Grameenphone, Mr. Azman served as Telenor Group’s Head of Distribution & eBusiness and worked across all Telenor Operations. He has also worked in Telenor India operations as EVP & Circle Business Head for Orissa and Karnataka circles during 2010-2012. In his previous tenure in Grameenphone, Mr. Azman played a leading role to set up Grameenphone sales and distribution organisation and to transform Grameenphone distribution structure. As a CMO in Grameenphone, Mr. Azman has transformed Grameenphone towards a high performing and a digital-centric organisation. Throughout his career, Mr. Azman has a proven track record as a leader in transformation, change management and Yasir Azman business development. Chief Executive Officer He has an MBA from Institute of Business Administration, Dhaka University, and also Nationality Age Gender Bangladeshi 46 Male attended several executive educational programmes in the London Business School and INSEAD, France. Mr. Jens Becker was appointed as Chief Financial Officer (CFO) effective from 15 August 2019. Prior to joining Grameenphone, he served as CFO of T-Mobile Poland (formerly Polska Telefonia Cyfrowa) from 2007 to 2016 and was engaged with consultancy and entrepreneur ventures since then. -
CFA Institute Research Challenge Hosted by CFA Society Bangladesh University of Dhaka Team: Basis Point
CFA Institute Research Challenge Hosted by CFA Society Bangladesh University of Dhaka Team: Basis Point University of Dhaka Student Research Telecommunication Sector, Telecommunication Industry Dhaka Stock Exchange (DSE) Grameenphone Date: 14 November, 2016 Current Market Price: BDT 279.00 (10/11/2016) Recommendation: BUY Ticker: DSE: GP Headquarter: GP House, Bashundhara, Dhaka Target Price: BDT 319 This report is published for educational We issue a BUY recommendation on Grameenphone Limited with a one year purposes. Only by students competing in the target price of BDT 318.98 using the Discounted Cash Flow analysis and a relative CFA Institute Research Challenge. valuation. We expect a total return of 20.8%, comprising of 14.3% of capital gain from its November 10, 2016 closing price of BDT 279.00 and a dividend yield of Table 1: Market Profile 6.4%. Market Profile (November 10, 2016) Grameenphone (DSE:GP) is currently the market leader in the telecommunication sector with a SIM market share of 43% and has the best Closing Price BDT. 279 network coverage, as measured by network sites and spectrum. With an 52 Week BDT.286.00/ BDT. estimated real SIM penetration of 51% (GP estimate) and data penetration of High/Low 224.50 around 28% (own estimate), the current state of demography and increasing Share 1,350.3 Million income within the economy, the growth opportunities in voice traffic is very Outstanding much there and that in data is huge. GP is also currently the least leveraged Market Cap. BDT. 379,434 Million operator in the telco industry with the last stated debt ratio of 21.8% in 2015 Dividend Yield 3.05% ( Current) and this is to not go no more than 25.2% as per our expectation for the next five Beta 1.20 years. -
Profiles of Candidates Nominated for Election As Directors of the Company
Enclosure 4 Document accompanying Agenda 5 Profiles of candidates nominated for election as directors of the Company Name Mr. Tore Johnsen Nationality Norwegian Age 68 years Education Master of Science, Norwegian Institute of Technology, University of Trondheim, Norway Training Director Certification Program (175/2013), Thai Institute of Directors Association Proposed type of directorship Director, Member of the Remuneration Committee, Member of the Nomination Committee, and Member of the Corporate Governance Committee Years of directorship 2 years 11 months (Appointed since 29 March 2013) Meeting attendance in 2015 Board of Directors’ Meetings: 9 from 9 times Nomination Committee’s Meetings: 3 from 4 times Remuneration Committee’s Meetings: 3 from 3 times Corporate Governance Committee’s Meeting: 1 from 1 time Shareholding interests in the Company Nil Positions in other SET-listed companies None Positions in non SET-listed companies 6 companies Positions in companies having conflict of interest - Director, Telenor Myanmar Ltd, Myanmar (Telecommunication) - Director, DiGi Telecommunications Sdn Bhd, Malaysia (Telecommunication) - Director and Member of the Audit Committee, DiGi.com Berhad, Malaysia (Telecommunication) - Chairman, Telenor Pakistan Ltd, Pakistan (Telecommunication) - Director and Senior Vice President, Telenor Asia (ROH) Co.,Ltd (Telecommunication) - Director and Member of the Audit Committee, Grameenphone Ltd, Bangladesh (Telecommunication) Work experience Year Position Company 2013 - Present Director, Member of Remuneration -
Marine & Offshore Business Review
BV_MBR2013_042013_Couv-1804:BV_MBR2013_042013_Couv-1804 18/04/13 14:42 Page1 NP499 DSM R09 2012-2013 MARINE & OFFSHORE BUSINESS REVIEW Move Forward with Confidence Bureau Veritas Marine & Offshore Division Move Forward with Confidence 67/71 Boulevard du Château - 92200 Neuilly-sur-Seine - France www.bureauveritas.com - www.veristar.com BV_MBR2013_042013_Int-2304:BV_MBR2013_042013_Int-2304 24/04/13 17:23 Page1 01 MARINE & OFFSHORE BUSINESS REVIEW 2012/2013 FOREWORD Bureau Veritas is a global leader in testing, inspection and certification, recognised and accredited by major national and international organisations. The Group delivers high quality services to help clients meet the growing challenges of quality, safety, environmental protection and social responsibility. As a trusted partner, Bureau Veritas offers innovative solutions, that go beyond simple compliance with regulations and standards, reducing risk, improving performance and promoting sustainable development. Through its eight global businesses, Bureau Veritas has developed the industry’s widest array of world-class services to clients, wherever they operate. Bureau Veritas has close to 59,000 employees in around 1,330 offices and laboratories located in 140 countries. In 2012, it reported revenue of ¤3.9 billion. For more information: www.bureauveritas.com BV_MBR2013_042013_Int-2304:BV_MBR2013_042013_Int-2304 24/04/13 17:23 Page2 02 MARINE & OFFSHORE BUSINESS REVIEW 2012/2013 BV_MBR2013_042013_Int-2304:BV_MBR2013_042013_Int-2304 24/04/13 17:23 Page3 CONTENTS 03 MARINE & OFFSHORE