UNEP FI Task Force. 1. Credit risk and sustainable development
|
|
|
- Evan Price
- 5 years ago
- Views:
Transcription
1 welkom welcome Nairobi 1 October 2007
2 UNEP FI Task Force 1. Credit risk and sustainable development 2. Social and environmental field guidance for microfinance institutions the FMO approach Anton van Winden Senior Environmental Specialist Nairobi 1 October 2007
3 1. Credit risk and sustainable development Question: Why is sustainability important for Financial Institutions?
4 Environmental and social issues can impact the risk level of a Financial Institution Credit Risk defaults payment rescheduling Systemic Risk sector-wide practices market devaluation Legal Risk potential transfer of liability from borrower to lender Funding Risk access to capital (e.g. FMO) cost of funds Security Risk defunct / devalued collateral Reputational Risk national international
5 What s in it for the Client? Benchmark with international standards Improved reputation for international markets Access to financial markets Improved (operational) management / increased productivity Reduced costs and risks Consumer trust and business opportunities and if it is good for the client it is good for an FI too!
6 Sustainability-related opportunities exist for FIs: New products New business development
7 The FMO approach Direct Investments in Companies / Projects Policy & Management System Capacity Compliance with international standards IFC Performance Standards Financial Institution Clients Policies FI portfolio management Different approaches for FIs, Funds and MFIs Training + follow-up
8 2. Social and Environmental Guidance for Micro Finance Institutions the FMO approach Question: How can we make the general FMO FI approach and guidance work in microfinance?
9 We are not talking this but this Maybe not large impacts, but there are millions of micro-businesses: cumulative impacts
10 and not this... but this... So our mission was: Develop a PRACTICAL field guide on E&S Risk Management for MFI loan officers
![production / chemical waste [E] [H&S] causing](/docs-images/94/121699163/images/11-12.jpg "emissions to air polluting water processing food")
![[E] [H&S] [H&S] [L] x x x x x x x x x x x x x x x](/docs-images/94/121699163/images/11-14.jpg "x x x x x x x x x x x x x x x x x x x x x x x x x")
11 Sector table with main risks per sector ' ' indicates when a risk is possible, but not probable, 'x ' indicates when in a sector there is a relevant risk possibility E n v iro n m e n t H e a lth a n d S a fe ty L a b o u r C ro p g ro w in g A n im a l h u s b a n d ry F is h e ry S h o p / R e ta il / M a rk e t S t R e s ta u ra n t / T e a S ta ll T o u ris m H e a lth c a re T ra n s p o rta tio n W h o le s a le T ra d e H a n d ic ra fts L e a th e r ta n n in g B ric k /tile m a n u fa c tu rin g M e ta lw o rk in g & E le c tro p P a in tin g & P rin tin g A u to / M o to r re p a ir W o o d /m e ta l P ro c e s s in g C h a rc o a l P ro d u c tio n G a rm e n ts p ro d u c tio n T e x tile d y in g C e ra m ic s, P o tte ry, G la z G la s s M a n u fa c tu rin g M in in g F o re s try F o o d P ro c e s s in g.. when the Client is A1 A2 A3 S1 S2 S3 S4 S5 S6 P1 P2 P3 P4 P5 P6 P7 P8 P9 P10 P11 P12 P13 P14 P15 using (a) machine(s) [E] [H&S] x x x x x x x x x using chemicals/paint/solvents/ lubricants/pesticides/fertilizers [H&S] x x x x x x x x x employing children working in bad conditions [H&S] [L] disposing of organic / production / chemical waste [E] [H&S] causing emissions to air polluting water processing food clearing forest for land cultivation extracting clay or minerals catching fish keeping animals [E] [E] [H&S] [H&S] [L] x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x [H&S] x x x [E] x x x x [E] [E] x x x x [H&S] x
12 Fact sheets per sector
13 Guidance to implement environmental and social risk management in the MFI loan cycle Reports (to FMO) Loan application sheet Reporting Application Reporting formats Exclusion list MIS info Recovery & monitoring Monitoring specs Contract clauses Fact sheets Appraisal Loan appraisal sheet Contracting & Disbursement Loan contract
B uilding Portfolios Us ing Exchang e Traded Funds
Portfolio Management Group B uilding Portfolios Us ing Exchang e Traded Funds N a n c y H a rts o c k F in a n c ia l A d v is o r F in a n c ia l P la n n in g S p e c ia lis t S m ith B a rn e y 3 3
Social and Environmental Field Guide
Social and Environmental Field Guide for Micro Finance Institutions Working with Clients on the Social and Environmental Aspects of Microfinance PART C: TRAINING GUIDE 1 Objectives and Program Social and
SONIC AUTOMOTIVE, INC. (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
BLACKHAWK NETWORK HOLDINGS, INC.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
UNIVERSITY OF CALIFORNIA, IRVINE, DIVISION OF CONTINUING EDUCATION
UNIVERSITY OF CALIFORNIA, IRVINE, DIVISION OF CONTINUING EDUCATION BERKELEY DAVIS IRVINE LOS ANGELES MERCED RIVERSIDE SAN DIEGO SAN FRANCISCO SANTA BARBARA SANTA CRUZ University Programs, International
Impact of the global economic crisis on the South African economy
Impact of the global economic crisis on the South African economy Seeraj Mohamed UNRISD Conference -3 Nov. Corporate Strategy and Industrial Development Research Programme School of Economic and Business
CINCINNATI BELL INC. (Exact Name of Registrant as Specified in its Charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report: November 2, 2017 CINCINNATI
Organising a Fundraising Event for Shine
Organising a Fundraising Event for Shine About Shine Shine is the national organisation dedicated to upholding the rights and addressing the needs of all those affected by mental ill health including,
A G E N D A. 2. M inutes o f th e l a s t m eetin g ( p r e v io u s ly c i r c u l a t e d ).
Dawson House, Great Sankey Warrington WA5 3LW Telephone Penketh 4321 F1/B1 8 th December 1981 To: Members o f th e R e g io n a l F i s h e r i e s A d v iso ry C om m ittee: (M essrs. T.. A. F. B arn
ENVIRONMENTAL AND SOCIAL RISK From awareness to action
ENVIRONMENTAL AND SOCIAL RISK From awareness to action Accra, 22 April 2013 www.unepfi.org Content Introduction Business, Society & the Environment Drivers for Environmental and Social Risk Management
LINC Logistics LLC - Corporate Office Issue: Version 3.1 Procedures Manual SUBJECT: Section 1.0 BUSINESS CONTROL Date: March 13, 2013
1.4 OPERATIONS DEVELOPMENT SCOPE This procedure describes how the company: Develops new or amends existing operational processes. Arranges for adequate resources for a launch. The Operations Project team
Preliminary BEE Verification Report
Preliminary BEE Verification Report The University of Cape Town 14 May 2018 1. Details of Measured Entity: Company Name Trade Name The University of Cape Town Address Registration Number 93-99 Main Road
The Importance of Ethics in Policing. Adrian Lee, CC Northamptonshire Keele Workshop on Ethical Policing Thursday 18 th November 2010
The Importance of Ethics in Policing Adrian Lee, CC Northamptonshire Keele Workshop on Ethical Policing Thursday 18 th November 2010 If only policing was as easy as this Overview Ethical Leadership - Our
Identification and Evaluation of Environmental and Social Risk in Credit Processes
Introductory Training Workshop (ITW) on Identification and Evaluation of Environmental and Social Risk in Credit Processes Aneta Wisniewska Istanbul, 26 th March, 2013 Introduction Part of UNEP FI s support
Study of Saurashtra Coastal Corridor of Gujarat
Gujarat Infrastructure Development Board Study of of Gujarat Final Report February 2006 TABLE OF CONTENTS Gujarat Infrastructure Development Board (GIDB) 1 INTRODUCTION... 3 BACKGROUND... 3 PWC S SCOPE
Environmental and Social Risk Analysis (ESRA) Introductory Workshop 28 th May, 2010 Athens, Greece.
Environmental and Social Risk Analysis (ESRA) Introductory Workshop 28 th May, 2010 Athens, Greece www.unepfi.org Introduction ENVIRONMENTAL AND SOCIAL RISK MANAGEMENT Lessons Learned Risk does not always
CARBONITE, INC. (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
Reinsurance Management - What creates value? Piers Maunder November 2007
Reinsurance Management - What creates value? Piers Maunder November 2007 Finity Consulting Pty Limited 2007 Reinsurance Management Companies will be targeting reinsurance savings and alternatives to traditional
Assessing Alexandria/Arlington s Regional Labor Market
Assessing Alexandria/Arlington s Regional Labor Market Mark C. White, Ph.D. Center for Regional Analysis Schar School of Policy and Government George Mason University March 6, 2017 Agenda Key demographic
SUSTAINABLE BANKING NETWORK (SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL VIETNAM
SUSTAINABLE BANKING NETWORK (SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL PROGRESS REPORT VIETNAM International Finance Corporation [2018], as the Secretariat of the Sustainable Banking Network
Allocations Follow Form: The Impact of Federal Structure on Association PACs
Allocations Follow Form: The Impact of Federal Structure on Association PACs Frank L. Davis, Lehigh University Researchers have found that the leaders o f PACs serving associations with federated organizational
Contents. Abbreviations and Acronyms
Contents Abbreviations and Acronyms ix Executive Summary Broad findings How soon w ill commitments bite? The answer on tariffs is not soon The answer fo r other provisions is less certain The costs of
SAADANI NATIONAL PARK
MANAGEMENT ZONE PLAN M k w a ja N o r rth H Q M ik o c h e n i M k a la m o M k w a ja K w a m s is i Buyuni B K Kuu B Buyuni K Kitope S Saadani i HQ H Q S a a d a n i M k a n g e Z a ra r a n in g e H
The Wales perspective of using an ICP for the last days of life. Dr Helen Mitchell Dr Marlise Poolman Ros Johnstone
The Wales perspective of using an ICP for the last days of life Dr Helen Mitchell Dr Marlise Poolman Ros Johnstone Population reporting 'good' general health (Darker colours indicate better health) Wales
Global File Solution Best Practices
Treasury and Trade Solutions Citi Commercial Cards 2015 Commercial Cards Conference May 18-20, 2015 Global File Solution Best Practices Cindy Trautz, Citi Global Client Solutions Architect Table of Contents
Efficient Capital Replacement Planning The Economic Optimization Approach. March 26, 2018
Efficient Capital Replacement Planning The Economic Optimization Approach March 26, 2018 DO YOU HAVE AGING INFRASTRUCTURE? Dahuloe Break the old paradigms How Long does a Sewer Main Last? -Clay Pipe -Cast
FEDERAL RESERVE BANK OF NEW YORK. T ex t o f F ed era l R eg ister N otices
FEDERAL RESERVE BANK OF NEW YORK Circular No. 8873 July 11, 1980 C O M P L E T IO N O F P H A S E -O U T O F C R E D IT R E S T R A IN T PR O G R A M T ex t o f F ed era l R eg ister N otices To All Member
FISCAL YEAR 2015 *PLEASE COMPLETE ALL SECTIONS OF THE APPLICATION*
FISCAL YEAR 2015 Dear Parent or Guardian: Your child s school serves low cost, nutritious meals daily. You should know that the information supplied on the application, regardless of whether your child
A Profile of the Working Poor, 2009
Cornell University ILR School DigitalCommons@ILR Federal Publications Key Workplace Documents 3-2011 A Profile of the Working Poor, 2009 Bureau of Labor Statistics Follow this and additional works at:
Carers Week 12th 18th June Save the Dates. Wired as part of the ACE group will be hosting events throughout Carers Week.
WIRED Carers Support Carer Connectors Building Carer Friendly Communities Wirral Carers E-news Issue: 17-6 Date: 10/05/17 Find Us Follow Us Carers Week 12th 18th June 2017 Save the Dates Wired as part
SWEN 256 Software Process & Project Management
SWEN 256 Software Process & Project Management Software change is inevitable o New requirements emerge when the software is under development or being used o The business environment changes o Errors must
oro negro x 1Q2017 >redefimendo lo posible possible<
x 1Q2017 >redefimendo lo posible possible< Forward-Looking Statements This report contains forward-looking statements that relate to future events, including our future operating results and conditions,
COUNTRY PROGRESS REPORT
Public Disclosure Authorized Public Disclosure Authorized SUSTAINABLE BANKING NETWORK (SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL PROGRESS REPORT BANGLADESH Public Disclosure Authorized Public
Sixty-third Congress of the United States of America; At the
H.R. 7837 Sixty-third Congress of the United States of America; At the Second Session, Begun and held at the City of Washington on Monday, the first day of December, one- thousand nine hundred and thirteen.
INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AS AN IMPLEMENTING AGENCY OF THE GLOBAL ENVIRONMENT FACILITY TRUST FUND
INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT AS AN IMPLEMENTING AGENCY OF THE GLOBAL ENVIRONMENT FACILITY TRUST FUND WORLD BANK REFERENCE TF050551 FINANCIAL STATEMENT AND INDEPENDENT AUDITORS'
Creating a Six Sigma Super Highway for Delivering Results
Creating a Six Sigma Super Highway for Delivering Results Don L Redinius MBB, President and COO Savvi International Corporation 0. 2 0.18 0.16 0.14 0.12 0. 1 0.08 0.06 0.04 0.02 0 1 2 3 4 5 6 7 8 9 1 0
IIC Environmental and Social Guidance Document
IIC Environmental and Social Guidance Document Acronyms and Abbreviations DFI DIAS E & S EIA ESDD ESIA ESAP ESMP ESMS FI IIC IDB IFC ILO ISO PS SME TA XASR Development Finance Institution Development
SUSTAINABLE BANKING NETWORK(SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL SOUTH AFRICA
SUSTAINABLE BANKING NETWORK(SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL PROGRESS REPORT SOUTH AFRICA International Finance Corporation [2018], as the Secretariat of the Sustainable Banking Network
The merger: Agenda for the new millennium
Bank The merger: Agenda for the new millennium October 25, 2001 Content The merger Transformation in the financial sector ICICI group today - a virtual universal bank Rationale for merger Merger process
Writing Skills. Are writing skills really that important? Take the survey below to find out! Answer T for True or F for False
Writing Skills Content Writing Skills Survey...1 Writing an Essay... 2 Writing Tips... 3 Boost your writing skills... 4 Writing Skills Survey Answers...5 Writing Skills Checklist... 6 Writing Skills Templates......7-9
Copyright Milan Tally Services. Microfinance management solution on Tally.ERP9
Microfinance management solution on Tally.ERP9 mpower helps manage Membership Micro Loans Share & Dividend (separate add-on) Savings (Separate add-on) Fixed Deposits (separate add-on) Recurring Deposits
A PPE N D IX A: M A N A GE M E N T RESP O N SE A N D OIG EV ALU A TIO N
EX PO R T-IM PO RT BA N K - O FFICE OF IN SPEC TO R G EN ER A L A PPE N D IX A: M A N A GE M E N T RESP O N SE A N D OIG EV ALU A TIO N E x p o r t -I m p o r t B a n k o f t he U n it e d S t a t e s
THE NATIONAL TREASURY
REPUBLIC OF KENYA THE NATIONAL TREASURY DIRECTORATE OF DEBT MANAGEMENT MONTHLY DEBT BULLETIN DECEMBER 2014 1.0 PUBLIC DEBT 1.1 Introduction As at end December 2014, public and publicly guaranteed debt
SUSTAINABLE BANKING NETWORK (SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL KENYA
SUSTAINABLE BANKING NETWORK (SBN) COUNTRY PROGRESS REPORT ADDENDUM TO SBN GLOBAL PROGRESS REPORT KENYA International Finance Corporation [2018], as the Secretariat of the Sustainable Banking Network (SBN).
IED. Khaled LAHMAR. Industrial Emissions Directive. Risk assessment: a tool for drawing inspection programmes.
Kính chào quý khách IED Industrial Emissions Directive Risk assessment: a tool for drawing inspection programmes. Khaled LAHMAR DPT.: INTEGRATED CONTROLS DIVISION: INSPECTION AND POLLUTED SOILS IED LEGISLATION
Statement of the Basis of Transmission Owner Charges Applicable from 1 st April 2016
Statement of the Basis of Transmission Owner Charges Applicable from 1 st April 2016 This statement has been approved by the Gas and Electricity Markets Authority CONTENTS STATEMENT OF SP TRANSMISSION
IFC s Approach to Risk
IFC s Approach to Risk INTERNATIONAL BANKING FORUM 2011 Brescia, 16-17 June 2011 Vittorio Di Bello Chief Credit Officer IFC World Bank Group Agenda IFC: Who we are, What we do IFC and Sustainability IFC
EU Security Research
EU Security Research 28 June 2012 Rome Angelo MARINO Security Research Threats & Policy Responses European Security Strategy (December 2003): Internal Security Strategy (February 2010) Organised crime
ELIGIBILITY CRITERIA FOR NOW ACCOUNTS. Proposed Interpretation of Regulation Q
F E D E R A L R E S E R V E B ANK O F N E W Y O R K [ Circular No. 9 0 5 8 1 April 21,1981 J ELIGIBILITY CRITERIA FOR NOW ACCOUNTS Proposed Interpretation of Regulation Q To All Depository Institutions,
Technical risk assessment and CCS
Technical risk assessment and CCS Gallagher Estate, Midrand, South Africa 28, October, 2011 Ronald Munyai Assistant Manager: Technical South African Centre for Carbon Capture and Storage (SACCCS) Core
DGGF track 3 ICSR policy
DGGF track 3 ICSR policy Content: 1 Introduction 2 Goal of environmental and social due diligence a. Relevance b. When is the environmental and social due diligence used? c. What products are reviewed?
Invictus Consulting Group
Invictus Consulting Group Presentation to NJ Bankers Annual Conference May, 2016 Disclaimer Certain slides which contain sensitive, proprietary information have been redacted from this version of the presentation.
as a Case Study in Krueng Raya Aceh Besar District
FISHERIES LIVELIHOOD RECOVERY PROGRAM : as a Case Study in Krueng Raya Aceh Besar District Aceh Emergency Response and Transitional Recovery (ERTR) Program UNDP Indonesia FY 2005/2006-20072007 By ZULHAMSYAH
Best Practices for Growing a Successful Program
Treasury and Trade Solutions Citi Commercial Cards 2015 Commercial Cards Conference May 18-20, 2015 Best Practices for Growing a Successful Program Citi Host: Archie Payne Client Presenter: Blake Stewart
Veritas Petroleum P. a Services B.V. Quarterly report. 30 June 2015
Veritas Petroleum P. a Services B.V. Quarterly report 30 June 2015 Ops Q2 2015 Update from the board of directors Financial performance Veritas Petroleum Services B.V. and its subsidiaries, hereafter the
UPDATE. Financial Intermediary Lending and Environmental Assessment. Environmental Assessment
Environmental Assessment S o u r c e b o o k UPDATE Environment Department June 2002 The World Bank Number 27 Financial Intermediary Lending and Environmental Assessment The World Bank supports economic
Development Planning Division Technical Document Series No. 1. Guidelines for environmental appraisal at the DBSA. Final Draft 1 March 2010
Guidelines for environmental appraisal at the DBSA Final Draft 1 March 2010 Version 1.0 2009 Suggested citation Development Planning Division. 2009. Guidelines for environmental appraisal at the DBSA.
Assess your State Distribution Program Look at two SDA Models MD CO. Planning for change, sharing ideas and information
Assess your State Distribution Program Look at two SDA Models MD CO Planning for change, sharing ideas and information How does State allocate entitlement? How does State assess SFA needs? State operating
THEOLOGICAL COLLEGE OF THE CANADIAN REFORMED CHURCHES FINANCIAL STATEMENTS FOR THE YEAR ENDED MAY 31,1986 INDEX
THEOLOGICAL COLLEGE OF THE CANADIAN REFORMED CHURCHES FINANCIAL STATEMENTS FOR THE YEAR ENDED MAY 31,1986 AUDITORS' REPORT BALANCE SHEET EQUITY REVENUE AND EXPENDITURE EXPENDITURE DETAIL NOTES TO THE FINANCIAL
Lecture 1 Why Project Management? By : Prof. Lili Saghafi. Copyright 2013 Pearson Education, Inc. Publishing as Prentice Hall 1
Lecture 1 Why Project Management? By : Prof. Lili Saghafi 1 Learning Objectives After completing this chapter, students will be able to: Understand why project management is becoming such a powerful and
ASSESSMENT OF SOCIAL AND ENVIRONMENTAL PERFORMANCE OF SME FINANCE INSTITUTIONS
ASSESSMENT OF SOCIAL AND ENVIRONMENTAL PERFORMANCE OF SME FINANCE INSTITUTIONS Draft May 2018 Social Performance Task Force (SPTF), European Microfinance Platform (e-mfp) Lucia Spaggiari, SPTF/e-MFP Social
REPUBLIC OF KENYA MINISTRY OF FINANCE MONTHLY DEBT BULLETIN
REPUBLIC OF KENYA MINISTRY OF FINANCE MONTHLY DEBT BULLETIN SEPTEMBER 2012 1.0 PUBLIC DEBT 1.1 Introduction As at end September 2012, public and publicly guaranteed debt stood at Kshs 1,724.66 billion
Fact book for Estimating the Manpower Needs of Federal Programs
l I-?: Fact book for Estimating the Manpower Needs of Federal Programs U.S. Department of Labor Bureau of Labor Statistics 1975 Bulletin 1832 Factbook for Estimating the Manpower Needs of Federal Programs
City of Alhambra STUDY AREA PROFILE
City of Alhambra STUDY AREA PROFILE STUDY AREA ID #82 BASE MAP PARK METRICS HERE ARE PARKS MOST NEEDED AMENITY QUANTITIES AND CONDITIONS PARK NEEDS FRAMEORK COST ESTIMATES Note: This Stuy Area i not hol
Finance Avenue Brussels November 15, 2014
November 15, 2014 1 15th anniversary Home Invest Belgium : evolution towards pure player in real estate Why invest in Home Invest Belgium? 2 Topics 1. Company profile & strategy 2. Portfolio 3. Financials
Virtual Card Payments (VCA): Discovering New Flows
Treasury and Trade Solutions Citi Commercial Cards Innovation, Efficiency, Simplicity. 2015 Commercial Cards Conference May 18-20, 2015 Virtual Card Payments (VCA): Discovering New Flows Citi Host: Archie
Improving data management in four HIV/AIDS. based data management
Improving data management in four HIV/AIDS program implementing branches through web based data management Medium term fellows: Moses Mukuru & Sam Mugisha Academicc Mentor: Dr. Solome Nampewo Institutional
Pilot Retirements Accelerate Beginning In 2021 & Peak In 2025
Equity Research July 5, 217 Airlines Helane Becker 646.562.1399 helane.becker@cowen.com Conor Cunningham 646.562.1373 conor.cunningham@cowen.com Industry Update Pilot Retirements Accelerate Beginning In
CLUTHA DISTRICT COUNCIL WATER AND SANITARY SERVICES BYLAWS PART 1 WATER SUPPLY
CLUTHA DISTRICT COUNCIL WATER AND SANITARY SERVICES BYLAWS PART 1 WATER SUPPLY 1 TITLE A Bylaw of the Clutha District Council by way of Special Order pursuant to the provisions of the Local Government
Raymond James Annual Investors Conference
Citi Investor Relations Raymond James Annual Investors Conference March 3, 2014 John Gerspach Chief Financial Officer Highlights Improved performance in 2013 reflects ongoing transformation Continued to
CITY OF ROCHESTER, NEW HAMPSHIRE INVITATION TO BID
CITY OF ROCHESTER, NEW HAMPSHIRE INVITATION TO BID The City of Rochester, New Hampshire, is accepting sealed bids for a Ballistic Vest. Bids must be submitted in a sealed envelope plainly marked: Sealed
Cambodia: Rural Credit and Savings Project
Project Validation Report Reference Number: CAM 2008-06 Project Number: 30327 Loan Number: 1741 July 2008 Cambodia: Rural Credit and Savings Project Operations Evaluation Department ABBREVIATIONS ADB Asian
OUR MicroLending. Changes in US & Cuba: The impact on Florida. Opening doors to your future. The Microcredit Impact October 13, 2011
OUR MicroLending Opening doors to your future Changes in US & Cuba: The impact on Florida The Microcredit Impact October 13, 2011 The Question: What People know about Microcredit? That somewhere near India
Dell Support Services Application Program Interfaces (APIs) Overview
Dell Support Services Application Program Interfaces (APIs) Overview Support Case Management API Benefits and Availability What is it? An electronic channel that enables transactional management of support
Responsibility accounting: Core concept, Techniques & Practices
CHAPTER TWO Responsibility accounting: Core concept, Techniques & Practices 2.1. Definition & Salient features: Responsibility accounting is a system of collecting and presenting of accounting data that
ENJOY your best YEARS. An Informational Guide for Purchasing a Home with a Reverse Mortgage
(800) 355-1993 NMLS #2052 ENJOY your best YEARS An Informational Guide for Purchasing a Home with a Reverse Mortgage 1... WHAT S INSIDE WHAT IS A REVERSE MORTGAGE & HOW DOES IT WORK? HOW IS IT USED? REVERSE
United Nations Environment Programme
UNITED NATIONS United Nations Environment Programme Distr. GENERAL 14 October 2011 EP ORIGINAL: ENGLISH EXECUTIVE COMMITTEE OF THE MULTILATERAL FUND FOR THE IMPLEMENTATION OF THE MONTREAL PROTOCOL Sixty-fifth
IDF GRANT No. TF013658
ENVIRONMENTAL GOVERNANCE, INCLUSION AND TRANSPARENCY IN MINING SECTOR PROJECT F, IDF GRANT No. TF013658 IMPLEMENTED BY ENVIRONMENTAL PROJECT IMPLEMENTATION UNIT STATE AGENCY UNDER THE MINISTRY OF NATURE
AXA and the Principles for Sustainable Insurance Overview
AXA and the Principles for Sustainable Insurance Overview Isabella Falautano, Responsabile Relazione Esterne e Istituzionali, Chief Corporate Responsibility Officer, Gruppo AXA in Italia Seminario FeBAF,
International Finance Corporation s Policy on Social & Environmental Sustainability
International Finance Corporation s Policy on Social & Environmental Sustainability Section 1: Purpose of this Policy 1. International Finance Corporation (IFC) strives for positive development outcomes
WECC S ta n d a rd P RC WECC-1 P ro te c tio n S ys tem an d R e m ed ia l Actio n S ch e m e Mis o p eratio n
WECC S ta n d a rd P RC-00 4 -WECC-1 P ro te c tio n S ys tem an d R e m ed ia l Actio n S ch e m e Mis o p eratio n A. Introduction 1. Title: Protection System and Remedial Action Scheme Misoperation
P u r p o s e. A c k n o w l e d g e m e nt s
The Native American and Alaskan Technical Assistance Project (NAATAP) was created pursuant to an interagency agreement between the National Institute of Corrections and the Bureau of Justice Assistance.
Sherpa Group Workshop on SETIS 2 July SET-Plan Monitoring and Review. Stathis Peteves
Sherpa Group Workshop on SETIS 2 July 2010 1 1 SET-Plan Monitoring and Review Stathis Peteves SETIS: The pathway to implementation Sherpa Group Workshop on SETIS 2 July 2010 2 2 2007-8 Technology Map PRIORITIES
FAUJI CEMENT COMPANY LIMITED (Form for the registration as contractor/supplier/vendor)
FAUJI CEMENT COMPANY LIMITED (Form for the registration as contractor/supplier/vendor) 1. Name of Applicant 2. NIC No Pur-F-1 Personal Biodata (Part I) 3. Nationality: Pakistani Non-Pakistani 4. Resident
Equator Principles Reporting 2014
Equator Principles Reporting 2014 FMO Follows Equator Principles and Goes Beyond FMO recognizes that integrating environmental, social and governance (ESG) returns into our clients projects is critical
KASHF QUARTERLY REPORT
KASHF QUARTERLY REPORT JULY-SEPTEMBER 2016 K A S H F : T H E L A RG E S T P ROV I D E R O F M I C RO I N S U R A N C E I N PA K I S TA N Kashf provides insurance to low-income households to create social
S a f e H a r b o r N o tic e We have made forward-l ook i n g s t at emen t s i n t he p res en t at i on. O u r forward-l ook i n g s t at emen t s
Qisda Corporation 2 0 1 1 Q4 R e su l ts March 6, 2012 Outline Q4 and 2011 Financial Results 2011 Q4 B usiness S um m ar y 2 1 S a f e H a r b o r N o tic e We have made forward-l ook i n g s t at emen
SOCIAL AND ENVIRONMENTAL RISK POLICY
SOCIAL AND ENVIRONMENTAL RISK POLICY This policy establishes social and environmental guidelines related to the process of credit to Companies in Itau Unibanco S.A. 1. PURPOSE To formalize social and environmental
Banking on Sustainability: Risk Management and Growth Opportunities
Banking on Sustainability: Risk Management and Growth Opportunities Rachel Kyte Environment & Social Development Dept. January 30, 2008 1 The Last Five Years - Big Picture Massive flows of cash both in
T h ree yea r S u m m a ry. ofin vestm en t, C o s t. & I n c o m e f o r. Alaska
Pa l m e r, A laska May 1960 Un i v e r s i t y of A laska ALASKA AGRICULTURAL EXPERIMENT STATION T h ree yea r S u m m a ry ofin vestm en t, C o s t & I n c o m e f o r D a i r y F a r m s i n Alaska
BlueOrchard Finance - Green Finance Initiatives
BlueOrchard Finance - Green Finance Initiatives Hoa Le 18 November 2016, Luxembourg Founded in 2001, BlueOrchard has disbursed in excess of 3bn dollars, reaching more than 25m people in more than 60 countries
Osman Karam usfafa. Ala M urutoglu. A lper Ozuim
Basic Financial Characteristics in the Banking Sector: An Empirical Analysis (990-997) Osman Karam usfafa Leading Indicators Approach for Business Cycle Forecasting and a Study on Developing a Leading
F E D E R A L R E SE R V E BANK O F N E W Y O R K. Results of Bidding for 172-Day Treasury Bills, Dated April 3, 1961 Tax Anticipation Series
F E D E R A L R E SE R V E BANK O F N E W Y O R K Fiscal A gent o f the United States r Circular N o. 5 0 1 1 I March 29, 1961 Results of Bidding for 172-Day Treasury Bills, Dated April 3, 1961 Tax Anticipation
Environmental and Social Risk Management. Managing strategic risk and doing business ethically, sustainably and responsibly
Environmental and Social Risk Management Managing strategic risk and doing business ethically, sustainably and responsibly Impact Research 2 What are the risks and what is the impact on FirstRand? Best
Superintendent s Policy Directive #4
MINISTRY OF TRAINING, COLLEGES AND UNIVERSITIES Superintendent s Policy Directive #4 Approval of Pre-service Firefighter Training Programs June 1, 2010 REPEALED APRIL 13, 2011 Refer to Fact Sheet # 9 for
CENTRAL BANK OF KENYA. Remarks by PROF. NJUGUNA NDUNG U GOVERNOR
CENTRAL BANK OF KENYA Remarks by PROF. NJUGUNA NDUNG U GOVERNOR CENTRAL BANK OF KENYA at the CONVENING ON LONG-TERM SUSTAINABLE FINANCE IN KENYA Norfolk Hotel, Nairobi Tuesday, 10 th February 2015 Dr.
EU FP 7 SPIRIT project concerning CBRE infrastructure protection
0 EU FP 7 SPIRIT project concerning CBRE infrastructure protection Maarten S. 1 TNO in CBRNE Defence, Safety and Security Contract research organization from The Netherlands Established by law in 1932
PROJECT AGREEMENT FOR THE QUEBEC LITHIUM SPODUMENE MINE IN QUEBEC
PROJECT AGREEMENT FOR THE QUEBEC LITHIUM SPODUMENE MINE IN QUEBEC PREAMBLE WHEREAS the Government of Canada is committed to improving the efficiency of the federal environmental assessment (EA) and regulatory
FEDERAL RESERVE BANK OF NEW YORK Fiscal Agent of the United States
FEDERAL RESERVE BANK OF NEW YORK Fiscal Agent of the United States Circular No. 8917 September 15, 1980 TREASURY TO AUCTION 2-YEAR AND 4-YEAR NOTES TOTALING $7,500 MILLION To All Banking Institutions,
CENTENARY BANK AGRIFINANCE EXPERIENCE. ABDUL KYANIKA NSIBAMBI CENTENARY BANK UGANDA 28 th 30 th March 2012 KAMPALA UGANDA
CENTENARY BANK AGRIFINANCE EXPERIENCE ABDUL KYANIKA NSIBAMBI CENTENARY BANK UGANDA 28 th 30 th March 2012 KAMPALA UGANDA Outline Centenary Bank History Centenary Bank Performance Market Share Branch Network