...
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Be flexible and remember that the goal is to have meaningful discussion sex girl—not to simply “get through” the schedule. Since the timetable doesn’t allow for a great deal of reading time, we suggest that you hand out copies of the book to your girls at least two weeks before the event. Encourage them to read the entire book ahead of time so you can focus your time on discussion at the event.
Please note: Sexy Girls was written by a girl, for the...
Let’s get real. Every girl wants to look good
Let’s get real. Every girl wants to look good. What’s more, every girl wants the attention of that cute guy she’s had her eye on. For many girls, looking sexy is the key to getting that attention. And herein lies the problem. What a teen girl wears says a lot about who she is. But does she know that? Does she stop to think that she’s advertising with every outfit she puts on? Take a look at the girls in your youth group and in your church. Do they...
Video: Brazil star Ronaldinho releases song with Brazilian rapper Edcity
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After an amazing career that saw him twice crowned Fifa Player of the Year, Brazil legend Ronaldinho is perhaps thinking about what to do after he retir...
Watch Ronaldinho undergo tooth surgery as the Brazil star gets his trademark grin fixed
Watch Ronaldinho undergo tooth surgery as the Brazil star gets his trademark grin fixed
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Football's most famous buck-toothed grin is no more, as former Barcelona star Ronaldinho has undergone a tooth correction procedure at a dentist in Brazil.
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loan and Loan
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Monthly Contracts and Disbursement Report (ALR928):This report
provides information on contracts awarded, subloan commitments, and
disbursements for each loan, by country and by source of fund. The
disbursements are in cumulative amounts for the month, for the year,
and total to date.
Ȗ Contract Awards Information on Goods, Related Services, and
Civil Works (ALR984): This report...
Loan Financial Information System Reports
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Reports.Available reports may vary depending on the level of access given to
the user. The reports can be viewed, printed, and downloaded from the website
(Appendixes 14A and 14B). Authorized users are given restricted access for reports
relevant to projects under their respective country or agency. The following are the
available regular reports:
(i) Loan Financial Information...
Status of Loan
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Grant Summaries: Status of Loan
Contracts: ADB Contract Listing
EA Contract Listing
PCSS Listing
PCSS Ledger
Commitment Letters: List of Commitment Letters
Commitment Ledger
Disbursements: Track Applications
Paid
Pending
Rejected
Disbursement Details
Advances: Statement of Advances and Liquidation
Imprest Advance
Outstanding Imprest Advance Summ...
Loan Data
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Loan Data.This section provides information on loan portfolios such as principal
amount, number of closed loans, cancellation, number of effective loans, contracts
awarded, disbursements, and undisbursed loan balance for active and closed loans.
The information by loan level can also be viewed as follows:
Basic Data: Loan Profile
Category List
Category Ledger
Partial Cancellation
Borrower,...
LOAN AND GRANT
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LOAN AND GRANT
FINANCIAL
INFORMATION
SERVICES
14.1 The Loan Financial Information System (LFIS)/Grant Financial Information
System (GFIS) website (http://lfis.adb.org) is an internet-based system that provides
authorized users the essential data and financial information on the sovereign loan
and grant operations of the Asian Development Bank (ADB).
1
Borrowers; executing,
implementing,...
Loan for Asia Development
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Trade Finance Program Disbursement Procedures
for Revolving Partial Credit Guarantees
13.9 Before reimbursement of claims by confirming banks can be made under the TFP
partial credit guarantee facility, ADB requires the following:
- a claim disbursement request form (this form will be developed when needed);
- a notice of unpaid claim form (substantially in the form shown in Appendix...
How to Loans the Bank ADB? Easy way
13.6 ADB’s disbursement for private sector loans, equity investments, and revolving credit
facility (RCF) of Trade Finance Program (TFP) are subject to
ȕ the loan, equity investment, or RCF agreement having been declared effective
by ADB;
ȕ the borrower or recipient, as applicable, having submitted to ADB a certificate of
incumbency sufficiently evidencing the authority of the person(s) who will sign
the disbursement request (substantially...
How to get money from ADB The Asian Development Bank (ADB)?
The Asian Development Bank (ADB) undertakes nonsovereign operations1
to provide direct financing and/or risk mitigation to entities, or for projects or business
activities, in developing member countries. Nonsovereign operations refer to any
loan, guarantee, equity investment, or other financing arrangement that (i) is not
guaranteed by a government; or (ii) is guaranteed by a government under terms that
do not allow ADB, upon default by the guarantor,...
How to make contract for ADB Bank?
Types of Cofinancing Disbursement
12.4 There are two types of cofinancing disbursement:
ȕ Funds held by ADB (disbursement fully administered by ADB):
The cofinancier’s funds are entrusted and deposited with ADB. ADB reviews,
authorizes, and executes payments in accordance with ADB’s Loan Disbursement
Handbook.
ȕ Funds held by the cofinancier (disbursement partially administered by ADB):
ADB reviews WAs and advises the cofinancier to execute...
Fiduciary Safeguard
Fiduciary Safeguard
11.11 Since general budget support under stand-alone policy-based lending and
programmatic approach are absorbed into a DMC’s public expenditures in the form
of counterpart funds of loan proceeds, fiduciary arrangements need to be in place
to ensure efficient utilization of overall resources through sound public financial
management.
Loan Proceeds and Disbursement Procedures
11.12 There is considerable flexibility...
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11.6 Direct payment, commitment,3 and reimbursement
4
procedures may be used, as
appropriate (Chapters 7–9).
11.7 ADB may approve the use of the imprest fund procedure (Chapter 10) under FILs.
The advance to the imprest account should not exceed 6 months’ estimated cash
flow required for payments to be made to sub-borrowers for eligible subprojects.
The imprest account may be maintained in a separate bank account, or separate
account...
FINANCIAL INTERMEDIATION LOANS
FINANCIAL INTERMEDIATION LOANS
Description
11.1 Financial intermediation loans (FILs)
1
seek to help achieving the following objectives:
(i) furthering policy reforms in the financial and real sectors; (ii) financing real sector
investments through market-based allocation mechanisms; (iii) strengthening the
capacity, governance, and sustainability of participating financial intermediaries;
and (iv) helping increase the outreach, efficiency,...
Item Required Supporting Documents
Item Required Supporting Documents
Initial advance and
additional advance
Estimate of expenditure (Appendix 10B) to support the amount of the initial
advance and the additional advance (see also Sections 10.12 and 10.19).
Liquidation and
replenishment, or
liquidation only
1. IARS (Appendix 10C).
2. Bank statement.
3. Either one of the following, as applicable:
– (With SOE approved): SOE.
– (With full supporting documents,...
The imprest fund procedure must be audited at least annually by independent and qualified auditors acceptable to ADB.
Audit Arrangements
10.28 The imprest fund procedure must be audited at least annually by independent and
qualified auditors acceptable to ADB. The audits are carried out as part of the regular
annual audits of the project financial statements prepared by the borrower, EA, or IA.
11
Review by ADB Staff
10.29 ADB reserves the right to conduct spot or random checks of the imprest account and
expenditures paid from the imprest account (including...
expense items exceeding any applicable SOE ceiling
Item Required Supporting Documents
a
Initial advance and
additional advance
Estimate of expenditure (Appendix 10B) to support the amount of the initial
advance and the additional advance (see also Sections 10.12 and 10.19).
Liquidation and
replenishment, or
liquidation only
1. IARS (Appendix 10C).
2. Bank statement.
3. Either one of the following, as applicable:
– (With SOE approved):...
insufficiently supported or ineligible for ADB financing, ADB may offset the
Ineligible Payments
9.22 Where ADB subsequently finds any payment made under the SOE procedure to
be insufficiently supported or ineligible for ADB financing, ADB may offset the
amount of the unjustified or ineligible payment against subsequent withdrawals for
reimbursement, or request the borrower or EA to refund the same amount to the
loan account.
Audit Arrangements
9.23 SOE records must be audited regularly by independent and qualified...
Where the LC indicates a separate advising bank and nominated commercial bank,
Where the LC indicates a separate advising bank and nominated commercial bank,
ADB will issue the commitment letter to the nominated commercial bank, with a
copy provided to the advising bank. Indicating “negotiation with any bank” is not
acceptable.
3
8.9 A “transferrable” LC that allows the rights and obligations of the LC beneficiary
(i.e., manufacturer or exporter) to be transferred to another party, thereby creating a
secondary beneficiary,...
on behalf of the borrower, together with the authenticated
reviews Schedule 3 of the loan agreement
4
which provides details of ADB
financing such as amount, disbursement percentages (Sections 4.8–4.9), items of
financing, and applicable conditions of financing;
ȕ maintains records (see Section 4.29 for retention period) for all signed contracts
in a contract ledger for reference; and
ȕ takes proper actions for procurement in accordance with ADB guidelines.
5
Basic Requirements for Disbursement
4.6 The...
When a loan becomes effective, a loan account is opened in ADB
General Guideline
4.1 The borrower1
is responsible for implementing the project according to the loan
2
agreement and other loan documents. The Asian Development Bank (ADB) monitors
the project and reviews its progress to ensure that the loan proceeds are spent as
agreed upon.
Loan Account
4.2 When a loan becomes effective, a loan account is opened in ADB’s books in the name
of the borrower and the loan amount is credited to that account....
ADB may suspend in whole or in part the borrower’s right to withdraw from the loan
Suspending Withdrawals
3.14 ADB may suspend in whole or in part the borrower’s right to withdraw from the loan
account, as provided in the Loan Regulations, if after the date of the loan agreement
there is
ȕ nonpayment of principal, interest, or any other charge;
ȕ nonperformance of any obligation under the loan, guarantee, or project
agreements;
ȕ nonfulfillment by the borrower, the guarantor, or the EA of certain conditions
necessary for...
agreed between ADB and the borrower
Retroactive financing applies to eligible expenditures as agreed between ADB and the
borrower. The loan agreement contains a specific provision indicating the amount and
category of expenditures and the date from which the expenditures are considered
eligible. The amount to be retroactively financed does not exceed 20% of the
loan amount.
Reallocating Loan Proceeds
3.10 The proceeds of an ADB loan are used only for the purposes for which the...
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The loan agreementis an agreement between ADB and a borrower and sets out
the loan’s terms and conditions.
ȕ A guarantee agreementis an agreement between ADB and a borrowing member
country as guarantor of the loan when ADB lends directly to a nonmember entity.
ȕ A project agreementis an agreement between ADB and the project executing
agency (EA) or implementing agency of the borrower specifying requirements
related to, among other things, physical...
Includes Ordinary Operations Loan Regulations, Special Operations Loan Regulations, Special Operations
Includes Ordinary Operations Loan Regulations, Special Operations Loan Regulations, Special Operations
Grant Regulations, and Externally Financed Grant Regulations.
5
ADB in practice applies similar principles to those set out in Articles 13 and 14(ix), (x), and (xi) of the
Charter to grants or loans from external funding sources that are administered by ADB, except when ADB
and the cofinancier agree otherwise.
6
ADB. 2010. Processing Sovereign and...
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Loan or Grant Regulations
3.4 The regulations4
further set out conditions for the use of loan or grant proceeds
financed by ADB, or proceeds administered by ADB.
5
These documents are expressly
incorporated in the associated loan agreement, guarantee agreement, or grant
agreement. If any provision of a loan agreement, guarantee agreement, or grant
agreement is inconsistent with a provision of these regulations, the provision of the
loan agreement,...
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Basic Principles
3.1 The Agreement Establishing the Asian Development Bank (the ADB Charter)1
states
three main principles of disbursement for development projects:
ȕ The proceeds of any loan, investment, or other financing provided by the Asian
Development Bank (ADB) shall be used only for procurement in member
countries of goods and services produced in member countries unless specifically
permitted by its Board of Directors (Article 14[ix]).
ȕ...
Asian Development Bank (ADB)
Purpose
1.1 This Loan Disbursement Handbookon the disbursement policies and procedures of
the Asian Development Bank (ADB) primarily guide borrowers
1
and their executing
agencies in withdrawing loan
2
proceeds from the loan account.
Scope and Applicability
1.2 The principles and procedures described in this handbook apply equally to ADB’s
loan- and grant-funded investment projects and policy-based loans and grants, in
whole or in...
LEADING NONLIFE INSURANCE COMPANIES
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Bahamas
LEADING NONLIFE INSURANCE COMPANIES, 2012
Source: Axco InsuranceInformation Services.
LEADING LIFE INSURANCE COMPANIES, 2008
Gross written premiums
Company USD Mn
Colina Imperial 147.4
Family Guardian 73.3
Atlantic Medical 67.5
British American 19.4
Generali Worldwide 17.5
Capital Life 6.6
Metlife 6.5
Laurentide 5.0
Sirius 2.0
Sagicor 0.8
Source: Axco InsuranceInformation Services.
Gross written
premiums
Company...
2011 $2,611,718 $1,954,445 $4,566,163
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Chapter 1: World Overview
World Overview
WORLD LIFE AND NONLIFE INSURANCE IN 2013
Outside the United States, the insurance industryis divided into life and nonlife, or general insurance, rather than
life/health and property/casualty. World insurance premiums rose 1.4 percent in 2013, adjusted for inflation, following
a 2.5 percent inflation-adjusted increase in 2012, according toSwiss Re’s latest study of world insurance. Nonlife
premiums rose 2.3 percent in 2013, adjusted for inflation,...
the Insurance Information Institute producesa Fact
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To The Reader
In response to the globalization of the insurance business and the need for readily available data
on world insurance, the Insurance Information Institute producesa Fact Book for international
insurance statistics.
We could not have undertaken this project without help from many organizations that collect
international insurance data. We are especially grateful for the generous assistance of Axco
Insurance Information Services (http://www.axcoinfo.com),a London-based insurance
information...
the real estate company revealed that if you want to profit from buying
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The purchase of land or houses remains a very interesting topic because life couple newly married bride or the old home still understand that there is a cozy refuge for families. Home course not intended for resale or want get returns. Kim Heang director of Khmer Real Estate share experiences whether to buy - how to get home profits.
The first point the owner of the real estate company revealed that if you want to profit from buying and selling adhere to two principles is 1 (host) and...
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