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Latest News - 17th October 2019
PSBs had 'worst phase' under Manmohan Singh, Rajan: FM Nirmala Sitharaman : Finance Minister Nirmala Sitharaman has said that the Indian public sector banks had the "worst phase" under the combination of former Prime Minister Manmohan Singh and RBI Governor Raghuram Rajan. Delivering a lecture at the prestigious Columbia University's School of International and Public Affairs here on Tuesday, Sitharaman said that giving all the public sector banks a lifeline is today her primary duty. "I'm taking a minute to respond I do respect Raghuram Rajan as a great scholar who chose to be in the central bank in India at a time when the Indian economy was all buoyant, Sitharaman said during the lecture organised by the Deepak and Neera Raj Centre on Indian Economic Policies of the Columbia University. - Business Standard
🍒 Banks may press for commitment fees on unutilised credit limits from large, mid-sized corporates : Banks are likely to press for commitment fees on unutilised credit limits from large and mid-sized corporates as they are utilising only about a third of their sanctioned credit limit in the current scenario of low credit appetite, say bankers. While banks may not realise the commitment fees from AAA-rated corporates and central public sector undertakings classified as maharatnas, navratnas and some miniratnas for fear of losing business, others will have to pay it if they don't utilise the sanctioned credit limits."Banks usually charge between 0.50-1 per cent of the unutilised credit limit from companies as commitment fees," said Union Bank of India MD and CEO Rajkiran Rai G, on the sidelines of HR conclave organised by the Indian Banks' Association. - Business Line
🍒Shaktikanta Das faces board heat on RBI's inability to detect financial frauds : Reserve Bank of India (RBI) Governor Shaktikanta Das came under duress at the apex banks' board meet last week, as two external directors questioned the apex bank as to how a series of scams that came to light since 2018 remained unnoticed. The two directors cited the Punjab National Bank (PNB) fraud, the IL&FS scam and the very recent Punjab & Maharashtra Co-operative (PMC) Bank case. "These incidents differ from each other and are not exactly related, but a few members were quite vocal about it. The governor explained the information-sharing system and collection of data by the RBI. In some cases, the data itself - even the audited numbers - were either inadequate or fudged," a source told the Economic Times. The source in the know of the proceedings added: "Perhaps, it wasn't an entirely fair question, but it was apparent that the RBI officials felt awkward. Maybe it was not expected." - Business Today
🍒 SBI sees sharp decline in working capital loans : Banks in India are facing sharp decline in demand for loans despite interest rates falling by 135 bps between February and now. Referring to working capital limits drawn by large and mid-sized Indian companies, Rajnish Kumar, chairman, State Bank of India, the country's largest lender, said only 31% of the sanctioned limits are utilised by those companies. He said while term loans like home and auto loans were showing growth, it was the corporate sector where demand had substantially slowed down. "The fact is, on year-on-year basis there is a growth in term loans, 15% growth. So, this means there is a loan to housing sector, vehicles, anything which is payable over a period of time. [But] there is a sharp decline in the sanctioned working capital limits," Mr. Kumar said at an event organised by Bloomberg. According to latest data released by Reserve Bank of India, credit growth has fallen to single digit during the fortnight ended September 27, for the first time in the current financial year. - the hindu.com
🍒 Bank of Baroda executive directors to handle functions of MD, CEO : : Bank of Baroda on Wednesday said financial, administrative and other functions of its MD & CEO is to be looked after by respective executive directors till the appointment of new head. P S Jayakumar ceased to be the bank's MD & CEO with effect from October 12, 2019 upon expiry of his term.The bank's board of directors and the management committee, as the case may be, may entrust to look after financial and administrative powers and functions of the MD & CEO to respective executive directors till such time appointment to the post of the bank's MD & CEO is made by the government, it said in a regulatory filing."Accordingly, the board through circulation on October 16, 2019 approved that the financial and administrative powers and functions of the MD & CEO shall be exercised by the respective Executive Directors pertaining to the verticals in which they are in-charge," it said.The government has already invited application through the Banks Board Bureau (BBB) to fill the vacancy. - economic times
🍒 Bank of Maharashtra files complaint with Pune Police & Cyber Cell against circulating fake news : Bank of Maharashtra has lodged a complaint with Pune Police and Cyber Cell against circulating fake news and spreading of rumours about Bank's financial health on WhatsApp, news site and other social media platforms. This complaint is filed against maligning the image of Bank of Maharashtra in various social media platforms. The details of news portal and Twitter handle are informed to authorities.Bank of Maharashtra said it has requested the authorities to detect the origin of the fake news and take stern action against the persons behind this act. The Bank is well capitalized and having a strong loyal customer base of more than 27mn customers and it is growing from strength to strength.The published wrong information about Bank of Maharashtra is misguiding the public in general with an ulterior motive. The news appearing in social media is not correct and inferences are drawn without knowing the facts. - IndiaInfoline.
🍒 IOB in pact with Magicbricks to e-auction over 500 properties in 14 cities : Indian Overseas Bank (IOB) has entered into an agreement with Magicbricks, an online property marketplace, for the e-auction of more than 500 re-possessed properties worth more than ₹800 crore. The e-auction will be carried out in two phases - on October 21 and October 30.Of the 500 plus properties, the majority are located in Chennai and Coimbatore and the rest are spread across 12 major cities — Mumbai, Kolkata, New Delhi, Bengaluru, Hyderabad, Pune, Nagpur, Ranchi, Meerut, Lucknow, Ludhiana and Bhopal."The property buying process is now significantly impacted by digital engagement. With growing internet penetration, the trend towards e-auctions of properties has picked up speed in India. We are excited to share a new partnership with Magicbricks," said K Swaminathan, Executive Director, Indian Overseas Bank. - Business Line
🍒 Former SBI chief calls for special cadre of bank officers for risk management : Arundhati Bhattacharya, the former chairman of State Bank of India, on Wednesday said there is a need to create a special cadre for compliance and risk management at every banks, given the issues lenders are facing and rued that "unfortunately" HR is the most neglected side of banking. The comments come at a time when banks' lending practices have been repeatedly put to question in many alleged scams, an increased attention from the regulator and investigating agencies and very high quantum of dud loans. "The time has come for us to create a special cadre for risk and compliance," Bhattacharya, who headed the nation's largest bank between 2013 and 2017, said at an event organised by sectoral lobby IBA. - Live Mint
🍒 PNB Housing to raise up to Rs 10,000 cr by issuing bonds in tranches : PNB Housing Finance will raise up to Rs 10,000 crore by issuing bonds in tranches, the company said on Wednesday. The company's board will meet on October 24 to declare quarterly earnings for the second quarter of this fiscal and will also consider proposal to raise fund, the bank said in a regulatory filing.The board will consider the issuance of secured and unsecured non-convertible debentures aggregating up to Rs 10,000 crore in tranches, PNB Housing Finance said.Shares of the company were trading 13.24 per cent lower at Rs 379.20 on the BSE in the post-noon session. - Business Standard
🍒 Federal Bank Q2 net profit up 56% : Private sector lender Federal Bank posted a 56.6 per cent rise in net profit at ₹416.70 crore in the second quarter of the fiscal, led by strong growth in income and lower bad loans. Its net profit was ₹266.04 crore in the same period a year ago. For the July to September 2019 quarter, its total income grew by a robust 19.02 per cent at ₹3,675.15 crore, against ₹3,087.81 crore in the same period a year ago. The bank earned a net interest income of ₹1,123.77 crore for the quarter ended September 30, which was a near 10 per cent increase from ₹1,022 crore a year ago. Net interest margin at 3.01 per cent, as on September 30, was slightly lower than the 3.1 per cent a year ago. "This has been the highest-ever net profit," said Shyam Srinivasan, Managing Director and CEO, Federal Bank. - Business Line
🍒 SBI seeks FinMin's intervention for DHFL resolution : State Bank of India has approached the Department of Financial Services, seeking its intervention to end the impasse over a resolution plan for home financier Dewan Housing Finance Corporation Ltd., three people with direct knowledge of the matter told ET. "There is lack of coordination among regulators, which is causing an obstacle for the resolution plan going through," said one person. "SBI chairman has written a letter to the DFS highlighting relevant points on the matter for speedy process." India's largest bank is said to have become apprehensive over a systemic risk if ongoing efforts to finalise the resolution plan for the indebted home financier do not go through. While non-banking lenders have taken a hit on their advances to DHFL, banks have yet to mark such credit as non-performing assets. NPAs require additional provisions, denting lenders' profit margins. -economic times
🍒 PMC Bank assures to protect depositors interest; meets RBI : Amid instances of deaths and also a suicide, of depositors, troubled PMC Bank's administrator met RBI brass including Governor Shaktikanta Das on Wednesday. "It was assured that the bank will make all efforts to safeguard the interests of depositors and other stakeholders," the statement from J B Bhoria, who was placed as the administrator last month by RBI, said.It also informed that the bank is in the process of recasting its balance sheet to present a "true and fair picture", according to the press release from Punjab and Maharashtra Cooperative (PMC) Bank's administrator Bhoria.The meeting with Das, deputy governor and other senior officials of the Central bank came after police authorities confirmed the death of one more depositor, Fattomal Punjabi (61) due to natural causes. - economic times
🍒 PMC Bank scam: Mumbai Police to investigate how RBI audit missed the fraud : The Mumbai Police will investigate as to how the Reserve Bank of India missed the ongoing at the PMC bank. Interacting with over 100 depositors of PMC, Sanjay Barve, Commissioner of Police, said, "Audit by RBI should have revealed discrepancies. We are looking at why it did not show in the forensic audit of RBI. The loans are in different names. We are looking at why the loans were not revealed. We will not spare independent auditors, cooperative auditors, and RBI auditors. No one will be able to leave the country." - Business Line
🍒 Banks to rope in auditors to calculate exact fraud amount : Lenders led by State Bank of India (SBI) have taken a call that, in instances of fraud, rather than report the entire loan amount as a fraudulent one, banks will only report that portion that is illicitly obtained or misappropriated. To identify this amount, banks will immediately appoint forensic auditors who will certify the extent to which there has been a divergence from lawful borrowing. In a recent meeting, SBI is understood to have proposed this to other banks. This follows the Reserve Bank of India (RBI) slapping penalties on a dozen banks for delays in reporting fraud. Announcing the penalty, the RBI had said that banks were advised to report fraud immediately when the borrowings are under investigation by enforcement authorities. However, these banks continued to classify the loans as business defaults. - Times of India
🍒 More sad news: Jewellery industry stares at dark Diwali : The jewellery industry is looking at a dark Dhanteras and Diwali as the sector expects sales to decline at least 30% over last year in spite of the ongoing price corrections. The industry's only hope is in falling prices, which had scaled a record of `4,000 a gram last month, to get better footfalls. Currently, the metal is trading at around `3,800 to a gram.In 2018, the industry managed to close with flat sales over 2017 Diwali season."Gold prices have soared to `40,000 per 10 gram last month, just in the beginning of the festival season and still remains high. This has further dampened the already weak consumer sentiment."But if prices continue to correct during this week there may be some improvement in retail demand. However, the overall business will still be 30 percent lower than last year," All-India Gem & Jewellery Domestic Council chairman Anantha Padmanaban told PTI on Tuesday. - Financial Express
🍒 Slowdown in bank credit indicates a build-up of risk aversion in the system: SBI Report : The sharp slowdown in bank credit indicates a build-up of risk aversion in the system, according to a report by the economists at the State Bank of India. Bank credit grew at single digits- 8.8 per cent by end September'19 compared to 12.5 per cent a year ago, according to the latest RBI data. Incrementally credit contracted by Rs 412 crore compared to Rs 3.56 lakh crore in the same period a year ago. Slowdown in credit offtake is an indication of a " We believe though the sharp decline in credit flow to commercial sector do indicate heightened risk aversion in the system", said S K Ghosh, group chief economist, SBI in a research note. - economic times
🍒 RBI slaps ₹3-crore monetary penalty on SBM Bank (India) : The Reserve Bank of India (RBI) has imposed a monetary penalty of ₹3 crore on SBM Bank (India) for non-compliance by SBM Bank (Mauritius) with certain provisions of its directions on 'time-bound implementation and strengthening of SWIFT-related operational controls' and 'cyber security framework in banks' The Indian undertaking of SBM Bank (Mauritius) was amalgamated with SBM Bank (India) on November 30, 2018. The central bank, in a statement, said: "This penalty has been imposed in exercise of powers vested in the RBI under the provisions…of the Banking Regulation Act, 1949, taking into account the failure to adhere to the aforesaid directions issued by the central bank." - Business Line
🍒 Mastercard to up its game on 'contactless' cards in India : Mastercard, a technology company in the global payments industry, will soon up its game on 'contactless' (tap and go) cards in the Indian market, a top official said. "You will soon see bit more action on 'contactles' cards," Manasi Narasimhan, Vice-President, Marketing and Communications, Mastercard, told BusinessLineon Wednesday.To begin with, the focus will be on getting more retail chains, including big supermarkets, adopt contactless cards, she said."Contactless (will be a focus area for us in the Indian market. The reason we are investing in thisis that given our global experience in other markets, we believe that once contactless becomes a behaviour changing tool, it will transform the ecosystem. It may take two years, three years or even five years, but eventually we will get there," she said. - Business Line
🍒 Rupee settles 11 paise up at 71.43 against dollar : The rupee recovered from initial losses to settle 11 paise higher at 71.43 against the US currency on Wednesday, tracking gains in domestic equity markets and softening crude oil prices. Foreign fund inflows also supported the local currency, forex trader said.At the interbank foreign exchange market, the rupee opened at 71.60 against the US dollar. During the day, the domestic unit fluctuated between a high of 71.36 and a low of 71.71. On Tuesday, the domestic unit had settled at 71.54.
Latest News - 29th June 2019
Govt cuts interest rate on small savings schemes by 10 bps
Tapping tech: RBI arm readying a model blockchain platform for banking needs
Syndicate Bank bets on Big Data to boost growth
FII inflows in first six months of 2019 at highest in five years
Current account deficit widens to 2.1% of GDP
Current account deficit inches up to 2.1% in FY19; but more than halves in Q4
Govt asks banks to appoint GM-level officer to address MSME sector woes
Finance Ministry tells state-run banks to shore up credit to MSMEs
Failure of large HFCs similar to bank collapse, says RBI report
RBI sets 24-hr timeframe to bring back payment data processed out of India
Latest News - 14th June 2019
Aadhaar Card becomes people friendly! Modi Cabinet nod to Aadhaar Amendment Bill; top 5 benefits for you
India finally retaliates in tariffs tit-for-tat with US
SCO Summit: PM Modi hits out at trade protectionism, calls for rules-based trading system
RBI asks banks to grout ATMs to wall, pill or floor to enhance security
Deduct TDS on rent if your landlord is an NRI
Govt must provide capital to banks on upfront basis: United Bank CEO
Forex reserves nears lifetime high; up $1.7 bn to $423.5 bn
Financial sector pitches for special liquidity window for NBFCs
Latest News - 9th June 2019
RBI issues circular on NPAs, says defaults need to be recognized within 30 days
After 3rd repo rate cut, will banks lower lending rates?
RBI governor Shaktikanta Das bats for new rules for NBFC sector
SBI cuts interest rate on CC/OD, introduces repo linked home loan product
RBI lobs ball in banks' court to deal with resolution
Bank of Baroda puts bad loans worth over ₹9,000 crore on the block
Scheduled banks healthier now as gross NPA ratio dips in FY19
Budget likely to spell out roadmap for banking sector reforms, consolidation
Cashless India could be a model for the world
Latest News - 7th June 2019
State Bank of India "very closely" monitoring exposure to shadow banks
'On tap' licensing for small finance banks under study
Review of liquidity management framework could boost transmission
Cashless India could be a model for the world
Bankers, financial players hail RBI repo rate cut, hope consumer demand to get a boost
How RBI rate cut affects different categories of debt funds
Decision on next China tariffs on $325 billion imports after G20: Trump
ATM charge review to lower RTGS, NEFT fees for money transfer: Key RBI announcements
Why Sensex suffered its biggest fall of this year despite RBI rate cut
Government reconstitutes various Cabinet committees
RBI closely monitoring NBFC sector, to ensure financial stability: Shaktikanta Das
Large NBFCs see significant jump in public deposits in FY19
FDI in services sector up 37 per cent in 2018-19
CIC directs RBI to provide names of big loan defaulters
RBI may cut repo rate by 35-50 basis points : SBI
RBI's to-do list for NBFCs to manage liquidity risk
New NBFC norms may affect credit growth, trigger consolidation
Bad debt norms: RBI to seek Election Commission nod
Banks may get just a quarter of claims from 12 debt cases
Disclose defaulters list, NPAs of banks under RTI: SC gives final warning to RBI
Insolvency law's objective is reorganisation of defaulting firms, not recovery of dues: Sahoo
Govt notifies new accounting standard on leases; effective from April 1
Key changes to income-tax norms, GST law kick in today
SC ruling on RBI's February 12 circular will not impact IBC: Arun Jaitley
US, China trade talks draw closer to final deal, says White House
SC order on RBI circular: More options for banks to tackle defaulting firms
Govt in damage control mode after SC verdict, Sec 35 may be invoked
ET Analysis: The autonomy debate that led to Urjit Patel's exit
RBI slaps Rs 1 crore fine on Indian Bank for violating cyber security norms
Rupee at 73: Three factors causing the slide
Rupee is still better than its emerging market peers: Urjit Patel
Rupee ends weak by 18 paise at 73.76
Forex reserves down by $1.26 bn to $400.52 bn
0.12.2018: Today's Banking / Financial News at a Glance
🍒 Punjab National Bank invites bids for two dozen NPA accounts to recover Rs 1,179 crore : Public sector lender Punjab National Bank (PNB) has put up for sale two dozen non-performing assets to recover dues of over Rs 1,779 crore. These 24 dud loan accounts are majorly concentrated in Mumbai, Delhi and Kolkata zones of the bank. Two accounts belong to Chandigarh and Bhopal zones while one is of Patna zone, as per the sale notice on its website. "We intend to place these accounts for sale to ARCs/NBFCs/other banks/FIs etc on the terms and conditions stipulated in the banks policy, in line with the regulatory guidelines," PNB said. The bank has to make recovery of Rs 1,779.18 crore from these 24 non-performing assets (NPAs). Among the major borrowers are Vandana Vidyut with an outstanding amount of Rs 454.02 crore, Moser Baer Solar (Rs 233.06 crore), Divine Vidyut (Rs 132.66 crore), Visa Resources India Ltd (Rs 115.20 crore), Allied Strips (Rs 118.81 crore), Arshiya Northern FTWZ Ltd (Rs 96.70 crore), Birla Surya (Rs 73.58 crore) and Trident Tools (Rs 68.81 crore). The sale process is to be handled by the Stressed Assets Targeted Resolution Action (SASTRA) Division of the bank. - Economic Times
🍒 Syndicate Bank to cut down cost of funds to shore up NIM : Syndicate Bank will focus on increasing the share of low-cost CASA deposits and growing its retail loan book to shore up its net interest margin (NIM) to 2.5 per cent by the end of this fiscal. Its NIM currently stands at 2.25 per cent. "The focus would be on increasing the share of CASA deposits by nearly four percentage points. Each percentage of increase in CASA, given my balance sheet size of ₹2.6 lakh crore, should give me a saving of ₹50-55 crore on cost of funds. We are also looking to bring down the share of high-cost bulk deposits," Mrutyunjay Mahapatra, MD and CEO, Syndicate Bank, told BusinessLine.CASA currently accounts for nearly 31 per cent of its total deposits. This should increase to 34 per cent by the end of this fiscal. The bank has also been focussing on increasing the share of high-rated assets and growing its retail and SME loan book."Over the last six to nine months, there has been perceptible shift from low-rated to high-rated assets. We expect our loan book to grow by around 5 per cent in the next two quarters," he said. - Business Line
🍒 After two years, Uday Kotak now says note ban was poorly executed : The outcome of the controversial demonetisation would have been "significantly better" if "simple things" like not cancelling the higher denomination of Rs 2,000 notes, banker Uday Kotak has said. The executive vice chairman and managing director of the fourth largest private sector lender Kotak Mahindra Bank has also said small businesses are in a difficult situation at present and has welcomed the government focus to revive the sector. On demonetisation, he said the outcomes would have been different if it was planned well. "I think we would have had significantly better outcomes, if we had just thought about simple things. If you are taking out Rs 500 and Rs 1,000 notes, why would you introduce Rs 2,000 notes? " Kotak asked while speaking at former chief economic advisor Arvind Subramanian's book launch here over the weekend. Kotak said as part of the "execution" strategy, it was essential to ensure larger quantum of notes of the right denomination were made available - Economic Times
🍒 NPCI urges banks, corporates to adopt e-mandate : The National Payments Corporation of India (NPCI) is pushing banks and corporate entities to sign up for electronic verification of customers through channels like net banking and debit cards, as an alternative to the Aadhaar-based process that has been suspended following a Supreme Court order. The entire tech-based services industry has been in a tizzy since the Supreme Court in September barred private entities from using Aadhaar for customer authentication (know your customer, or KYC). Many financial technology companies were entirely dependent on Aadhaar-based electronic KYC, which was a quick, cheap and secure way to verify customers. In a circular issued on Thursday, NPCI said banks need to speed up adoption of alternative electronic mandate processes. "All member banks are advised to expedite the implementation of API-based e-mandate process through internet banking as well as debit cards-based authentication of the same," read the circular from the retail payments body. - Economic times
🍒 Kotak Mahindra Bank chief calls for integrated regulatory framework : Veteran banker and CII President-designate Uday Kotak, on Friday, underlined the need for an integrated regulatory framework, as the financial sector moves towards an issuer-investor model from the saver-borrower model. "India is at the crossroads between the bank-led model and intermediation-led model under investor-issuer mechanism, where leverage is becoming infinite, rising risk levels 24x7," he said at the 9th Financial Markets Summit, organised by the Confederation of Indian Industry . The integration of both these models in the market was imminent, he further said. - Business Line
🍒 Axis Bank inducts Amitabh Chaudhry on its board : Axis Bank on Saturday inducted Amitabh Chaudhry as additional director on its board, three weeks ahead of his taking over as the new managing director and CEO of the private sector lender. He will replace incumbent Shikha Sharma whose fourth term has been curtailed by the RBI by nearly two-and-half years. In a board meeting held Saturday, Axis Bank approved the appointment of Chaudhry as additional director. The board also gave its nod for the reappointment of Samir Barua, Som Mittal and Rohit Bhagat as independent directors. "The Board ...has appointed Amitabh Chaudhry as an Additional Director of the Bank and to hold office as such till the conclusion of the ensuing Annual General Meeting...," Axis Bank said in a regulatory filing. - Economic Times
🍒 Every day 3 banks looted during the last three years, reveal RBI data : Every day almost three banks were looted in the last three years and three months (from 2015-16 to June 2018), according to RBI data. About ₹168.72 crore was looted from various banks during this period. Of the 3,167 cases of robbery, dacoity, burglary, and theft reported by banks during this period, 10 per cent of them was reported from Bihar followed by 9 per cent each from Maharashtra, Uttar Pradesh and West Bengal. With Punjab reporting 7 per cent cases and Rajasthan 6 per cent, these six States accounted for 50 per cent of the total reported cases. However, when it comes to the amount burgled, ₹87.21 crore (51 per cent) was stolen from banks in Maharashtra, Andhra Pradesh, Karnataka, Uttar Pradesh, Tamil Nadu and Odisha. -Business LIne
🍒 Bank fined Rs 10,000 for giving man's account statements to his wife in Ahmedabad : A bank was fined Rs 10,000 for furnishing three years' bank account statements of a man to his wife without his consent. The Ahmedabad District Consumer Dispute Redressal Forum on Thursday ordered Indian Overseas Bank (IOB) to pay Rs 10,000 to an account holder of its Sardarnagar-Hansol branch, Dinesh Pamnani, after he sued the bank for giving his personal details to his wife without consulting him. Pamnani argued in court that he has a matrimonial dispute pending in family court and his wife could supply the bank statement to the court, to use it to her advantage. The husband felt his efforts to not reveal his financial details were frustrated by the bank's decision. - Economic Times
🍒 Half of ATMs may be shut down by March : Recently, the automated teller machine (ATM) industry stated that nearly 50% of ATMs may be shut down by March 2019 due to unviability of operations. "ATM operating costs have increased substantially along with additional compliance costs. The long-term profitability of ATM industry and sustainability is looking challenging at this point of time. The current ATM penetration in India is quite low compared with other nations and shutting down of existing ATMS will lead us to trail further," said Radha Rama Dorai, managing director-ATM and Allied Services, FIS. The ideal road ahead to make the ATM management ecosystem sustainable is through mutually agreeable costing model, while renegotiating the existing servicing contracts, said Dorai. - Live Mint
Banking / Financial News at a Glance - 18.09.2018
🍒 Bank of Baroda, Vijaya Bank and Dena Bank to be merged : The government has announced that Bank Of Baroda, Vijaya Bank and Dena Bank will be merged into a single bank which will become India's third largest bank. The move follows top lender State Bank of India last year merging with itself five of its subsidiary banks and taking over Bharatiya Mahila Bank, a niche state-run lender for women. Rajeev Kumar, Secretary Department of Financial Services, said in a press conference today that employees interest would be protected in the merger process. The merger of five SBI associate banks was done without any job losses, he said. The three banks will continue to work independently post merger. Kumar said the merger would help improve operational efficiency and customer services. He said it was time for the next generation of strategic banking reforms. The government had initiated numerous reforms over the last four years, especially with respect to banking and to ensure clean lending process, he said. - Economic Times
🍒 The government logic behind the proposed merger of three banks : The government today proposed to merge three public sector banks to create the third largest lender of the country. "Alternative Mechanism under FM (Finance Minister Arun Jaitley) suggests Bank of Baroda, Vijaya Bank and Dena Bank to consider amalgamation," Rajiv Kumar, Secretary, Department of Financial Services said. He said that the new entity is "positioned for substantial rise in customer base, market reach, operational efficiency and wider bouquet of products and services for customers." Below is what the government proposes and hopes to achieve through this merger: • The amalgamated bank would be the third largest bank in India. • It will be a strong competitive bank with economies of scale. • It will create synergies for network, low-cost deposits and subsidiaries. • The merger will lead to a substantial rise in: 1. customer base 2. market reach 3. operational efficiency 4. Wider bouquet of products services for customers
• Employees interests will be protected. • Brand equity to be preserved. • All three banks are on Finacle CBS Platform. • Capital support will be ensured. - Economic Times
🍒 Bank of Baroda, Vijaya Bank and Dena Bank merger to be positive in the long term: D-Street experts : With a view to clean up bad loans mess in the country's banking system, the government on Monday announced that PSU lenders Dena Bank and Vijaya Bank will be merged with Bank of Baroda. Finance Minister Arun Jaitley in a press conference said that the amalgamation will make the lenders stronger and sustainable as well as increase their lending ability. According to the government, the merger will be the first-ever three-way consolidation of banks in India, with a combined business of Rs 14.82 lakh crore, making it India's third largest bank. The move follows top lender State Bank of India last year merging with itself five of its subsidiary banks and taking over Bharatiya Mahila Bank. Dalal Streets experts welcomed the news, saying the merger was a positive step for the banking industry. According to A K Prabhakar, Head of Research at IDBI Capital, the merger be painful in the short term, but will have positive effects on Indian banks in the long term. - Economic Times
🍒 Banks merger a progressive step: Ficci : Industry body Ficci Monday termed the government's decision to merge three state-owned banks as a progressive move, noting that it signifies the government's commitment to strengthen the banking sector. According to the chamber, the merger will lead to greater operational efficiencies and Dena Bank, Vijaya Bank and Bank of Baroda would benefit through a synergistic relationship that would leverage one another's network, customer base and access to low cost deposits. "This is a progressive move and signifies the government's determination to strengthen the banking sector in the country for a better performance and service delivery," said Rashesh Shah, President of Ficci. "A stronger banking sector is vital for the overall health of the economy and we hope to see more such measures in the times ahead," Shah added. - Economic Times
🍒 RBI rejects Maha Bank request to set off Rs 2,543 cr losses against share premium amount : The Reserve Bank has rejected Bank of Maharashtra request to set off over Rs 2,543-crore losses against the balance in its share premium account. The Reserve Bank of India vide its letter dated September 11, 2018 has intimated about its inability to accede to the request made by the bank for setting off the accumulated losses against the balance lying in share premium account of the bank, Maharashtra Bank said in a regulatory filing Monday. The Pune-headquartered state sector lender had got approval of board and shareholders to set off the accumulated loss of the bank as on March 31, 2018 in its annual general meeting held on June 21, subject to regulatory approvals. The bank had Rs 5,293.72 crore in its share premium account by the end of fiscal ended March 2018. - Economic Times
🍒 Loan recast: Government seeks 80 more days for lenders : The government has asked the Reserve Bank of India (RBI) to provide at least another 80 days to lenders to help them restructure loans to the tune of Rs 1.7 lakh crore as the regulator had itself failed to deliver on its guidelines. The RBI's controversial February 12 circular did away with several loan restructuring schemes and set a 180-days deadline for loan resolutions, after which all cases were to be referred to the National Company Law Tribunal (NCLT) under the Insolvency & Bankruptcy Code (IBC). It had also mandated that for all loans of Rs 100 crore or more, where a resolution plan was being worked out or a management change was planned, an independent credit evaluation of the debt was needed by rating agencies authorised by RBI. For loans above Rs 500 crore, two independent credit evaluations have been prescribed. - Economic Times
🍒 Jaitley accused UPA government of sweeping NPAs under the carpet : Finance Minister Arun Jaitley today accused the previous UPA government of sweeping the non-performing assets (NPAs) under the carpet. Addressing a press conference, Jaitley said concerted efforts were made till 2014 to hide the NPAs. Jaitley said bank lending before 2008 was Rs 18 lakh crore and jumped to Rs 55 lakh crore between 2008 and 2014. He said a jump in bank lending took its toll on the economy. Jaitley said after 2015, RBI review revealed the real picture of NPAs and then the government along with the RBI began taking concrete steps to tackle NPAs. He said recognising the reality of high NPAs was the first step in the clean-up process. He said Insolvency and Bankruptcy Code (IBC) was a defining moment in debtor-creditor relationship and it started a new culture of lending. He said amendments to Prevention Of Corruption Act gave more flexibility to bankers. Jaitley said that bank credit lending was becoming weak and hurting corporate sector investment. Many banks were in fragile condition due to excessive lending and ballooning NPAs, he added. - Economic Times
🍒 BoI has ₹231-cr exposure to Winsome Diamonds, Forever Precious Diamond : Bank of India on Monday said it has an exposure of ₹82.55 crore to Winsome Diamonds and Jewellery Ltd and ₹148.67 crore to Forever Precious Diamond and Jewellery Ltd. The public sector bank had received a communication from the Reserve Bank of India on September 6 advising it to pay a penalty of ₹1 crore on account of 'Violation of RBI guidelines on Frauds- Classification and Reporting' in the aforesaid accounts. BoI said it will pay the penalty on or before September 19. Clarifying its position to the stock exchanges, the public sector bank said it classified the Winsome Diamond and Jewellery Ltd account as a non-performing asset on June 30, 2015. The Forever Precious Diamond and Jewellery Ltd account was classified as an NPA on June 30, 2016. - Business Line
🍒 NPA provisions for banks may stay elevated till FY20: Ind-Ra : Banks are witnessing a spurt in asset quality stress in the non-corporate segment and the overall loan loss provisions for lenders are expected to stay elevated till fiscal year 2019-20, an Ind-Ra report said. The outlook on private sector banks, along with SBI and Bank of Baroda among the state-run ones is stable, while all the other state-run banks carry a negative outlook, India Ratings said in its mid-year outlook on banks Monday. Banks will continue with credit costs or provisions of up to 3 per cent for both the ongoing fiscal as well as the one after, according to the rating agency. - Business Line
🍒 PayU gets RBI approval to operate as NBFC : Leading online payment service provider PayU has received RBI's approval (subject to certain pending RBI compliance) to operate as NBFC. This will help the Naspers-backed PayU promote inclusive growth in the country by catering to the diverse financial needs of various segments of the society, the company said in a statement. Jitendra Gupta, MD, PayU India said, "Credit is the next growth driver for the fintech industry in the country. We realised the potential in consumer credit space. Our own NBFC license is a very important milestone in our credit journey. It will help us launch new product variants faster and address new segment of consumers for providing credit on tap though we continue to work with our partners such as Reliance Money." - Business Line
🍒 Adani Capital to raise Rs 10 billion in FY19, mostly through bank loans : Adani Capital, the financial services arm of diversified Adani group, is planning to raise around Rs 10 billion in debt, mostly in bank loans, this financial year to fund growth. "We will be borrowing Rs 600 crore in term loans from the banks over the course of the year. Another Rs 200 crore is planned in short-term working capital and Rs 150 crore will be raised through commercial papers, taking the overall fund raising to around Rs 1,000 crore this fiscal year," Gaurav Gupta, chief executive, Adani Capital, told PTI Monday. - Business Standard
🍒 CBI takes over probe in Rs 1200 crore illegal fund transfers in Union Bank of India in 2016 : The CBI has taken over investigation into alleged swindling of USD 171 million (about Rs 1,200 crore) from the Union Bank of India by hackers in 2016, officials said Monday. The case, which was being probed by the Mumbai Police, pertains to transfer of about Rs 1,200 crore from the Nostro account of the bank to various countries on July 20, 2016, they said. During a reconciliation exercise of the Society for Worldwide Interbank Financial Telecommunication (SWIFT) messages, the bank had found that USD 171 million was unaccounted for, they said. The money was reportedly traced to banks in Cambodia, Thailand, Taiwan and Australia from the nostro account of the bank, they said. A nostro account refers to an account that a bank holds in a foreign currency in another bank overseas to enable foreign trade by its clients. - Financial Express
🍒 United Bank's employee share sale flops on price drop : Public sector lender United Bank of India's share sale to employees has failed to receive sufficient support and managed to garner just 61% subscription even after two extensions. In a regulatory filing on September 13, the bank said it has allotted 29.2 million new equity shares of face value of Rs 10 each at an issue price of Rs 10.55 per share under the employee share purchase scheme (ESPS). The Kolkata-headquartered bank was able to mop up Rs 30.8 crore against its target of Rs 50 crore, at a subscription rate of 61%. Shares issued under the scheme are locked in for a year. - DNA India.
🍒 Government not keen on bailout by LIC, SBI : The government, which is keeping close tabs on IL&FS, is reluctant to ask state-run Life Insurance Corporation (LIC) of India and State Bank of India (SBI) to bail it out, and would rather push the infrastructure finance and solutions company to sell some of its investments to raise money and tide over the crisis. "It is a private company, why should we ask SBI or LIC to rescue it?" said a source, who did not wish to be identified, adding that the government had nothing to do with the problems at the institution that was set up in 1987. Over the years, IL&FS has had no government oversight, given that public sector shareholders — LIC, SBI and Central Bank of India — held less than 40 per cent equity. - Times of India.
🍒 IL&FS shareholders may want salaries cut, subsidiaries closed as terms for fund infusion : Key shareholders of cash-strapped Infrastructure Leasing & Financial Services Ltd may press for cost-cutting measures as a condition for infusing capital to revive IL&FS. 'These riders include closure of some of its 50 overseas step-down subsidiaries and a cap on remuneration of key managerial personnel. At the emergency meeting of the IL&FS board on Saturday, there was no decision on raising additional funds. Sources said IL&FS has been asked to prepare a strategy on how it will monetise and divest its assets for raising funds in the medium to short term. Any decision on fund-raising will be taken after the AGM later this month (or within 15 days). In the interim, the company's new Chairman, SB Mathur, will have time to familiarise himself with the company and get a better understanding of its problems. Mathur took charge after LIC Managing Director Hemant Bhargava stepped down as the Chairman of IL&FS . - Business Line
🍒 HFCs', MFIs' borrowing cost may rise over 30 bps in FY19: Report : With interest rates cycle reversing, cost of borrowing for housing finance companies (HFCs) and microfinance institutions (MFIs) is likely to increase by over 30 basis points in the current fiscal year, and by another 40-50 basis in FY20, a report said Monday. The lending rates are also likely to go up, but the pace and intensity of the increase in rates will depend on product competitiveness, existing interest rates, and a company's dominance in the industry, rating agency Crisil said in its report. "The interest rate trajectory is expected to remain elevated for a while. Players with higher exposure to market borrowings and short-term instruments will see greater impact on their cost of borrowings in the near term," it said. - Economic Times
🍒 Prashant Kumar takes charge as SBI CFO : State Bank of India on Monday said Prashant Kumar has taken charge as the Chief Financial Officer (CFO) of the Bank. Before Kumar, Anshula Kant, who has been promoted as Managing Director of SBI, was the CFO. Prior to this appointment, Kumar was designated as Deputy Managing Director (HR) & Corporate Development Officer of India's largest bank. Kumar has earlier worked as DMD and Chief Operating Officer (COO) of the Bank. - Business Line
🍒 BHIM UPI cashbacks crossed Rs 100 crore; a third went to SBI: RTI : The government has already spent over Rs 100 crore on referral and transaction cashbacks to BHIM users, it revealed in an RTI reply to MediaNama. The State Bank of India's account-holders got the highest share, netting 33.45% of the cashbacks at Rs 35.2 crore. (SBI's number was so high that it was displayed as an exponent (3.52E+08) in the RTI response.) SBI customers got almost four times as much cashbacks as the next most successful bank, Paytm Payments Bank. The cashback scheme was mostly revoked for individual transactions in July, with only referral cashbacks remaining. As such, the month-on-month growth of the cashback number is likely to be small. The government is now reportedly working on a new merchant-oriented scheme. In total, Rs 105.2 crore has been disbursed in cashback to users. This includes both merchant and individual cashbacks.
🍒 Rupee ends weak at 72.49 : The rupee depreciated 85 paise to 72.69 against the dollar, despite the government's steps to stem a steep fall in the currency, amid reports that the US could announce a new round of tariffs on Chinese imports later in the day.
🍒 Gold rises to Rs 31,600 on global cues, spot demand : Gold prices rose Rs 180 to Rs 31,600 per 10 gram at the bullion market today, largely driven by a firm trend overseas amid increased buying by local jewellers. Silver followed suit and shot up by Rs 180 to Rs 37,680 per kg due to increased offtake by industrial units and coin makers.
Economic Times:
1. The Securities and Exchange Board of India (Sebi) okayed a revamp of initial public offering (IPO) norms and a governance framework for stock exchanges and depositories. It84 also signalled moves to bring chartered accountants and company secretaries under its ambit.
2. OPEC edged closer on Thursday toward raising oil output, with Iran softening its opposition to an increase and Saudi Arabia warning of supply shortages and price rallies if production remained stable.A production rise of about 1 million barrels per day (bpd) or around 1% of global supply was emerging as a consensus for the group and its allies, OPEC sources told Reuters, adding that Iran could agree under certain conditions.
3.It certainly appears dovish that the European Central Bank expects to reinvest even more of its maturing holdings next year, as Bloomberg News reported Wednesday. It's even more so if, as President Mario Draghi has suggested, officials relax the rules on how much time they can take to make reinvestments more flexibility here gives them room to smooth ructions in the bond market.But there's something for the hawks as well. The net result could be to drive short-end yields for core European country bonds further into negative territory, and in the process steepen the yield curve. The reinvestments could range from 160 billion euros ($184.6 billion) to 200 billion euros next year – that's up from the bank's previous expectation for about 150 billion euros.
4. Microfinance lenders including private banks such as Axis Bank, IndusInd Bank and RBL Bank have raised their cumulative microloan cap per borrower by 33% in a sign of strong demand in rural India and rise in self-employment amid poor industrial demand.
5. Bank of Baroda has complained to the country's premier federal probe agency that bankrupt pipes maker PSL siphoned off about ₹700 crore from a dedicated account linked to Gail projects, the payments from which were due to the lender and not the insolvent company.
6. In an industry where size matters more than any other attribute, cement majors in the country have been acquiring large distressed rivals. But those with regional ambitions are also getting bigger, leading the capexcycle revival in the world's second-largest concrete market.
7. India's biggest steelmaker JSW Steel is expected to make a bid for Arcelor-Mittal's Galati plant in Romania potentially competing against Ukraine's Metinvest and Italy's Marcegaglia. ArcelorMittal,has had to put six European assets up for sale to get approval from European competition authorities for its purchase of Italy's giant Ilva plant.
8. India will raise duties on 29 products from the US, striking back against Washington's move to impose higher tariffs on Indian steel and aluminium exports amid a global trade war that's broken out as President Donald Trump seeks to combat what he perceives as unfair terms. The duties, which take effect August 4, will mean $240 million additional revenue.
Financial Express:
1. The Reserve Bank of India (RBI) on Thursday held its ground and refused to give any special relief to the power sector from its February circular that mandates early detection and time-bound resolution of stressed assets.
2. Responding to requests from solar plant developers, the Ministry of New and Renewable Energy (MNRE) has extended the commissioning period for projects hurt by the disruption caused by the introduction of the GST from July 2017.
3. Foreign portfolio investors (FPIs) continue to sell Indian bonds with sales already crossing $1 billion in June so far. With interest rates in the US market firm and the US Fed hinting at two more rate hikes this year, foreign investors appear to be apprehensive the rupee could weaken further.
4. Over the last week, Bank of Baroda (BoB) has put on sale non-performing assets (NPAs) worth Rs 7,655 crore, including its exposures to some accounts named in the Reserve Bank of India's (RBI) two lists of bankruptcy cases, such as Essar Steel, Bhushan Power & Steel, Soma Enterprise and Visa Steel. BoB's aggregate exposure to these accounts is Rs 3,004 crore.
5. The Maharashtra government is planning to auction around 2,000 MW of solar capacity by August 15.The state's 1,000 MW solar auction in May initially faced troubles, but was eventually completed.The lowest bid at the last auction was Rs 2.71/kWh. The initial four auctions by MSEDCL failed; IPPs did not bid since they wanted higher ceiling on tariffs of Rs 4/unit from Rs 3/unit. The ceiling on tariffs was earlier reduced to below Rs 2.60/kWh after aggressive bidding last year.
Business Line
1. Four-and-a-half years after a whistle-blower first highlighted that unfair access was given to stock brokers for high-frequency trading at the National Stock Exchange (NSE), markets regulator SEBI on Thursday declared it had initiated enforcement action against entities involved in the scam.
2.The Centre has begun to sharpen its focus on improving ease of doing business at the districts level, having achieved some improvement at both the Central and State levels.As a pilot, six districts in five States have been selected for development schemes that will increase district GDP by 3 per cent. Once the pilot is successful, it will be replicated pan India, said Suresh Prabhu.
3. After its merger with DHFL Vysya Housing Finance, Aadhar Housing Finance is expecting a 55 per cent growth in loan disbursement and 50 per cent growth in its loan book.Deo Shankar Tripathi, Managing Director and CEO, Aadhar Housing Finance, said that as a merged entity on a comparable basis, the company has reported a 103 per cent increase in its net profit in fiscal 2017-18, compared to the previous year.
4. The Gujarat government on Wednesday announced the Wind-Solar Hybrid Power Policy 2018, that aims to make optimum use of the land and grid.The policy, which will have a coverage period of five years, provides incentives to renewable power producers supplying to the grid as well as those having captive use.
5. The Kerala cabinet has waived plantation tax and declared a moratorium on agriculture income tax, meeting a long-pending demand of the plantation sector. The Chief Minister is expected to make an announcement on the floor of the State Assembly during its ongoing session.
Business Standard
1. People spend 13 hours to access direct benefit transfers in Ranchi.As a matter of fact, the study found that people are so unsatisfied with the DBT system being piloted by the government that they want to return to the previous system of grains distribution.
2. Turkey hits back at Trump, imposes tariffs on US goods worth $1.8 bn.Total goods and services trade between US and Turkey was $22.4 billion in 2016.
3. IndiaFirst Life Insurance ties up with Oxigen to widen reach.The partnership will begin as a pilot project for three to six months, first in Bihar and Odisha, and then in Uttar Pradesh, to understand ground challenges.
4. ICICI Bank may ask independent directors to chair board meetings.The bank has government nominee Lok Ranjan on the board, who has not attended a single meeting since his appointment in April.
5. US-India Apache copter deal worth $ 930 mn in trouble? Misconduct alleged.Business Standard has investigated these allegations around the Apache purchase and found that the uproar stems from a lack of understanding of the way America processes foreign arms sales.
1. Global alternative asset manager The Carlyle Group on Thursday announced the final close of its fifth Asia buyout fund Carlyle Asia Partners V (CAP V) at $6.55 billion.The CAP V fund exceeded its initial target of $5 billion and is more than 65% larger than its predecessor fund Carlyle Asia Partners IV, Carlyle said.
2. The Mumbai bench of the National Company Law Tribunal (NCLT) has reserved its order on both the plan placed before it by the resolution professional of Jyoti Structures Ltd and DBS Bank's plea seeking that the resolution plan be rejected.On Thursday, Prateek Seksaria, the advocate representing DBS Bank, argued that the eight-day extension after the admission of the case by NCLT and the resolution professional taking over the affairs of the company should not be considered under the Insolvency and Bankruptcy Code (IBC).
3.Sadbhav Engineering Ltd, a Gujarat-based infrastructure company, is looking to raise Rs.1,500 crore through a qualified institutional placement (QIP) in the current quarter.
4.Taking a serious note of slow progress by banks in addressing security issues, the Reserve Bank of India on Thursday gave them strict timelines to upgrade their ATMs or else face action.As per the timeline, banks have to implement a host of security measures by August and upgrade all ATMs with supported version of operating in a phased manner by June next year.
5.Govt plans Rs10,000 crore tender to set up more rural Wi-Fi hotspots.The telecom dept will soon issue a revised to set up five public Wi-Fi hotspots in every gram panchayat, to ensure higher proliferation of high-speed rural broadband across 25,000 gram panchayats.
Revenue earned during lean crude market utilised for developmental projects: Piyush Goyal
'Hand of government' lifts March-quarter GDP growth: HSBC
SBI alerts branches of Iran, Russia pitfalls
Capital raising will improve PSU banks' loss-absorbing buffers: Moody's
Capital infusion for state-run banks likely to begin by February
Government to bear MDR charges on digital transactions up to Rs 2,000
Recapitalisation of banks to help in credit growth & job creation: Arun Jaitley
Banks set to send 23 of 28 large dud accounts to NCLT tomorrow
FRDI Bill: Bank union contemplates strike action
New financial resolution Bill 'must ensure safety' of depositors' money
FinMin allays depositors' fears on bank 'bail-in' provision


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Florida's Living Beaches: A Guide for the Curious Beachcomber
The first edition of Florida's Living Beaches (2007) was widely praised. Now, the second edition of this supremely comprehensive guide has even more to satisfy the curious beachcomber, including expanded content and additional accounts with more than 1800 full-color photographs, maps, and illustrations.
It heralds the living things and metaphorical life along the state's 700 miles of sandy beaches. The expanded second edition now identifies and explains over 1400 curiosities, with lavishly illustrated accounts organized into Beach Features, Beach Animals, Beach Plants, Beach Minerals, and Hand of Man.
Sport-Brella Vented SPF 50 Sun and Rain Canopy Umbrella for Beach and Sports Events (8-Foot, Red)
The SKLZ Mini Impact Practice Balls are the perfect heavy-duty limited flight ball for players of all levels and leagues. With high durability and limited flight mechanics you wont spend your days repairing broken plastic, or running down the ball in the outfield. Instead, you can focus on the instant feedback you receive so you can hone in on the perfect swing, and finding the sweet spot youve been looking for. The SKLZ Impact Balls have a proprietary pop-back design that helps give you instant feedback on your hit. The material simply collapses on contact with the bat, translating to a limited flight distance. They pop-back easily and wont lose their shape, even after thousands of hits and seasons of use. The 12 pack of balls means you can spend more time hitting, and less time chasing so you can improve contact, technique, and overall skill. They are the perfect training aid to help you reach your athletic goals, SKLZ is committed to preparing the athlete to be ready by guiding and serving athletes on their journeys to be their personal best.
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- EVERYTHING YOU NEED. This easily portable umbrella kit covers all the basics. When broken down it stores as a 54"x4"x4" unit and weighs 9 lbs. Keep everything in the easy carry bag, including the 8 steel ground stakes and 3 tie-down cords (8ft each)
BEACHBUB All-in-One Beach Umbrella System. Includes 7 ' (50 UPF) Umbrella, Oversize Bag, Base & Accessory Kit
The beachBUB (50 UPF) 7 foot All-In-One, Beach Umbrella System includes the US Patented Beach Umbrella Base and Pat Pen Sand Gopher. The beachBUB Base is the only sand base that solves both common beach umbrella problems, tipping over and fly-aways. The beachBUB Sand Gopher is a small unique tool that makes a perfect 8" hole in the sand in less than 10 seconds. All Beach Umbrella sand bag anchors will help prevent the umbrella fly-aways because they use the weight of the sand to keep it in place. This is why screw anchors are becoming less popular because if they become loose there is nothing to prevent the umbrella from flying down the beach. The unique pyramid shape of the base has a low profile which takes up very little room. The beachBUB Base also holds almost 1 cubic foot of sand and when filled weighs 125 lBS. Consumer Reports tested our base in 2016 and choose it as their best Sand Base Model. Now all we needed was a better umbrella. The beachBUB Umbrella was designed, engineered and built to Resort and Commercial Beach Umbrella standards which allows it to withstand wind gusts up to 35 MPH. By using high strength, corrosion free aluminum and fiberglass frame materials our umbrella is easy for all to carry to and from the beach, weighing in at only 9lbs. Also, the beachBUB Beach Umbrella is the only Beach Umbrella which includes the free 3 year beachBUB Protection Plan. See why so many Commercial Beach Umbrella Rental Companies are now using the beachBUB Umbrella System. View the pictures and notice the size of the shade pattern. Your All-In-One System comes complete with the Sky Blue beachBUB ULTRA Base, beachBUB Sand Gopher, beachBUB Oversized Bag and beachBUB Sand Scoop. Check out the videos on YOUTUBE!! https://beachbub.com/setup-videos/
- Are you fed up with getting on your hands and knees to twist in the umbrella anchor or digging a deep hole only to have your umbrella tip over or fly away? Do you feel like every beachgoer is watching and giggling while you struggle to put up your umbrella and are you finished with running after your wind blown umbrella? Finally, beachBUB USA has solved these problems so you can enjoy a stress free day at the beach. Read the amazing reviews from Moms, Grandmothers and beachgoers just like you
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- Wind tested to 35MPH. Sits on top of the beach like a Patio Umbrella stand that sits on a deck. No deep holes to dig or twist screw used. Just fill it with sand. Our umbrella can be tilted all the way to the ground. Tilt the whole setup and then repack the base with sand so that all 3 sides are taut. No knuckle to break
- Check out "Wind Test' and "How To" videos below on "Related Video Shorts". Easy to transport with it's extra large carry bag, padded strap and handle. Umbrella and base weighs less than 9 lbs (Gallon of milk or 12 pack of your favorite beverage) and base folds up to the size of a paperback book. Base weighs 120lbs when filled with sand
- The beachBUB 3 year PROTECTION PLAN: You loose it. You Break it. We'll Help to Replace it. Your BPP is good even in the event if your umbrella is damaged if it tips over due to not filling up the base completely. Included with your purchase at no additional cost. Call beachBUB USA for details, 1-866-432-1976 or email [email protected] REMEMBER "Always fill your base up COMPLETELY"
- Shoulder Strap Comfort - 50 More Padding and Added Width
Keychain Gift: May You Always Have a Shell in Your Pocket and Sand Between Your Toes Sandals Shell 108F
It's All About...You! Jewelry Created Just for You!
Charms: Quality Zinc Alloy Find Joy in The Journey charm has an antique silver look. 20mmx10mm (0.79"x0.4").
Quantity: One Key Chain. Each keychain is hand assembled using a 25mm key ring.
Packaging: Packaged on an It's All About...You! Display Card.
Unlimited Gift Giving Moments Include: Graduation Gift for High School, College or University Graduates, Going Away, New House, Apartment, Condo or Moving Gift, Joining the Armed Forces or Military Gift, Retirement Gift, New Christian or Bible Study Gift, Mother's Day, Father's Day, Valentine's Day, Christmas and many other Special Occasions. Perfect Gift Giving Charm for Men, Women, Boys and Girls!
Multiple Gifting Possibilities: You could give this keychain as-is, remove the charms from the ring and attach the charms onto a charm bracelet or necklace, hook the ring to a gift bag, purse or backpack to use as a bag charm or hook to the zipper of another gift to use as a zipper pull.
- Unlimited Gift Giving Moments Include: Graduation Keychain Gift for High School, College or University Graduates, Going Away Gift, Joining the Armed Forces or Military Gift, Retirement Gift, New Christian or Bible Study Gift. Perfect Keychain for Men or Women!
- Multiple Gifting Possibilities - You could give this keychain as-is, attach the charms onto a charm bracelet or necklace, hook the ring to a gift bag to use as a bag charm or hook to the zipper of another gift to use as a zipper pull.
- Quality Zinc Alloy Charms have an antique silver look. May You Always Have a Shell in Your Pocket and Sand Between Your Toes Charm is 1 1/4" Long and 1" Wide. Shell Charm is 5/8" Long and 5/8" Wide. Sandles Charm is 5/8" Long and 3/8" Wide.
- Packaged on an "It's All About...You!" display card.
- Quality customer service and superior products are our top two priorities. We hope you love your new keychain as much as we do!
Sand Dollar Real White Sand Dollars 3"-3 1/2" (Set of 12) Sand Dollar Shells Plus Free Nautical Ebook by Joseph Rains
Nautical Crush Trading Florida Sand Dollars are perfect for adding that coastal or tropical look and feel to your home decor, beach themed wedding or nautical themed party.
Why Purchase Nautical Crush Trading brand shells:
*We source the Whitest Sand Dollars for our product offerings
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*All shipments are carefully and professionally packed to arrive in the best possible condition
These beautiful sand dollars will inspire you to add a sea-side accent to many projects.
*Decorate mirrors and frames
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*Perfect for Holiday and Christmas ornaments
We choose the whitest Sand Dollars, but occasionally a piece or two may lean toward more cream in color. Also these are real sand dollars and are a product of nature, although beautiful some varieties can be very delicate. Occasionally you may receive a sand dollar with imperfections or chips. To compensate we add a few more shells to the mix to accommodate the one or two that do not suit your needs. We want you to be pleased with our quality and selection.
NAUTICAL CRUSH TRADING is a small business dedicated to it's customers. If your purchase isn't completely satisfactory, we will exchange or return it at any time.
- PREMIUM QUALITY - Hand-picked from the choicest Florida Keyhole Sand Dollars. This set includes: (12) 3"-3 1/2" White Sand Dollars
- PROFESSIONALLY PACKAGED - Bubble wrapped and carefully boxed to arrive in prime condition
- GREAT FOR HOME DECOR - Table decorations, wall art, nautical décor and beach themed weddings
- PERFECT FOR ART AND CRAFT - Design and create inspiring ornaments and gifts for all occasions
- Beach Collection - Pair with Starfish, Urchins and a few Shells to add coastal feel to any room
ACTIVA Scenic Sand, 5-Pound, White
ACTIVA Scenic Sand is the industry leading and best-selling colored sand available. Fun, fascinating and easy to work with, it is perfect for sand art, craft projects, school projects and home décor creations. Available in an extensive palette of vibrant colors, this sand is color-fast, fade-proof and waterproof. Add a decorative splash of color and texture to any project and be confident it will last. Fully safe and non-toxic, this sand has no free silica and no free quartz making it perfectly safe for kids projects. 100 natural , Scenic Sand is ACMI Certified, AP Approved and meets California Proposition 65 standards.
Since its founding in 1959, ACTIVA Products has been the industry leader in supplying the highest quality materials for creativity. For artists, crafters, designers and educators, ACTIVA provides the right tools and products for artistic expression. Whether the need is for instant papier mache, air dry clays and plasters, vibrant sand, casting, sculpture or floral design, ACTIVA products provide the quality, consistency and proven performance expected by even the most demanding artisan. All our products are 100 safe, non-toxic and meet or exceed all US and European testing standards. ACTIVA Products, Materials for Creativity.
- Fun, fascinating and easy to work with, ACTIVA Scenic Sand is the industry leading and best-selling colored sand available
- Available in a rainbow of beautiful, rich, robust colors, this vivid sand is color-fast, fade-proof and waterproof
- Great for sand painting, sand art, mosaics, crafts, school projects, floral, home décor, candles; add a decorative splash of color to any project
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- Fully safe and non-toxic; no free silica or quartz, it's 100 natural and environmentally friendly; ACMI Certified, AP approved and meets CA Prop 65
Miami Jones Florida Mystery Series Box Set - Books 1-4: Toes in the Sand Collection (Miami Jones Omnibus Book 1)
The first four novels in the USA Today Bestselling series* reviews are calling "A five-star romp by one of the best mystery writers around."
This omnibus edition contains the first FOUR books in the Miami Jones series, with over 1200 pages of fun, mystery and good dose of Florida sunMeet MIAMI JONES.
New England transplant, private investigator and lover of palm tree print shirts.
Join Miami and his band of friends and associates as their quiet drinks under the palapa at their local Florida bar are interrupted by cases that only the Miami Jones can solve.
Stiff Arm Steal
The prize possession of former football hero, part-time media personality and full-time blowhard BJ Baker has been stolen from his palatial Palm Beach home. Baker has called in the Mayor, the police, the sheriff and everyone else he can co-opt into the search. But if he really wants the person who can find it, one name keeps coming up. Miami Jones. Problem is, he can't stand Jones. And the feeling is mutual.
Miami takes on a jealous husband, a feisty ex-con and a police detective desperate to claim everyone else's 15 minutes of fame, and he finds that Florida is home to so many retired athletes he could start a pensioner football league. But can Miami hunt down the culprit before they graduate from theft to something far more deadly?
Offside Trap
A university president with delusions of grandeur. A property developer with mob ties. A crooked politician fast-tracking projects for cash. Just another day in South Florida.
When Miami Jones is hired by an old college friend to investigate the drug overdose of a star student-athlete, he is thrust into the dark intersection of academia, politics and the Miami drug world, where he finds himself fighting to not just solve the crime, but to save those he loves most.
High Lie
Miami Jones knows that South Florida has its fair share of sharks, and not all of them live in the ocean. When a young boy is dumped in the water off the coast, Miami goes looking for answers. What he finds is a world of crooked bookmakers, slick Las Vegas Casino moguls and a desperate band of brothers playing a forgotten sport. Forgotten by everyone except the person who wants the players dead.
Miami takes Florida sliding down a sinkhole rather personally, so now hell stop at nothing to prevent the circling sharks from consuming his beloved home.
Dead Fast
To most people Jamaica is sun, sea and rum drinks by the pool. But Miami Jones and Danielle Castle don't vacation like most people. After witnessing an assault on a young man in Montego Bay, Miami and Danielle are hired to protect a young athlete with Olympic dreams.
But there are lots of athletes with those dreams, and not all of them play by the rules. Miami and Danielle find themselves up against corrupt officials, athlete managers with a kit-bag full of dirty tricks, and a local police force that might be in it up to their necks. In a paradise where running fast is the national pastime, Miami and Danielle must go at full throttle to protect their client and help him hit the finish line alive.
First four books in the humorous mystery series. Intrigue on the beaches of Florida and on the islands of Caribbean. Fun for lovers of private investigators.
Scroll up and grab a copy today.*USA Today bestseller list 6 April 2017
Castles in the Sand: The Life and Times of Carl Graham Fisher (Florida History and Culture)
This illustrated biography of one of the most energetic, corporate builders of the early 20th century traces Fisher's transformation of the swampy, South Florida landscape into a luxurious urban locale.
- Used Book in Good Condition
Best of Season One
Melissa & Doug Sunny Patch Speck Seahorse Sand Ice Cream Play Set
Enjoy "cool" fun in the sun with an ice-cream cone filled with your choice of sandy scoops! Seahorse-shaped molds make round or swirled "ice cream" to top with sprinkles from the shell-topped shaker. Everything stores in a convenient bucket with a lid that doubles as a sand mold!
- A unique toy set for making sand "ice cream" at the beach or in the sandbox
- Includes 2 seahorse scoops, 2 cones, 1 sprinkles shaker and a bucket with a lid.
- Ice-cream theme presents an exciting twist on sand toys!
- Set stores neatly in bucket.
- Part of Melissa & Doug's Sunny Patch, a line of products that encourages exploration and outdoor play.
- Cheap usb mixer
- Hotel suites in the world
- Cable tv amplifier
- Youth goalkeeper gloves
- Backyard toys for kids
- Stop snoring device

subset: commoncrawl


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Date: Jun 08, 2017
Date: Jul 21, 2017
Date: Jun 30, 2017
Date: Feb 22, 2018
Date: Nov 21, 2017
Strategy Analytics tracked global smartphone shipments (sell in) improved +10% YoY in July 2017 mainly due to new models launched from Samsung, Huawei and others. Sales (sell through) to end users posted +11% annual growth thanks to ongoing improved economic climate in selected regions and newly launched models. Moreover, inventory decreased by -43% MoM mainly due to higher demand and price cut / promotions by Samsung and LG etc. Samsung top both shipments and sales chart, followed by Huawei, Apple, OPPO , Xiaomi and vivo. This report tracks global smartphone monthly shipments (sell in), sales (sell through) and inventory volumes by 28 of the world's largest vendors from January 2016 to July 2017. The report is a valuable tool for OEMs, component makers, software developers, operators and other stakeholders to track key OEMs inventory level and support their planning activities.
Huawei Will Maintain the Second Largest Smartphone Vendor in 2020
Dec 05, 2019
Q3 '19: Google: Volumes Up but Continue in Loss
Nov 22, 2019
Realme Soared with Record High Smartphone Revenue
Nov 19, 2019


text: You are here: Homepage ... Power tools and workshop supplies Power tools and pneumatic tools Our office is closed from 23rd December 2019 to 1st January 2020. Orders can be edited until 13:30 on 20/12/19. From 03/01/20 we are gladly there for you again. (Deliveries will be made from 06/01) We wish you a Merry Christmas! Article no.: 077880 105 Saw blade, carbide, 1.2 mm 105 mm Brand: Fein All product information: Technical Data Data sheet Safety Data Sheet ToolScout Application Table electronic catalogue Please enter all required fields. Saw blade, carbide, 1.2 mm 105 mm on request In stock 3 pieces in stock On request Item no longer available Available in 1-3 working days Available in 4-6 working days Available in 1-2 weeks Subsequent delivery Unit price CHF 63.10 plus VAT at the current rate Prices plus delivery costs 105 Saw blade ⌀ (mm) Please choose 105 Add to shopping cart Please choose size Please consider order amount Add to articlelist We deliver Certified delivery quality and customer satisfaction. Minimum capital commitment thanks to the highest delivery capability. More from the category Power tools and pneumatic tools More about Fein Description Version: Open toothing, no delamination in CFRP/GRP. Straight cuts with high cutting speed and precision. Extra thin version. Suitable for: Exclusively Fein SuperCut, No. 077805 and No. 077804. Technical Data Material CRP, GRP Contents 1 Saw blade ⌀ 105 mm Toolholder SLM Here application data as well as tool and material information are made available with which you can optimally plan your production process. > To ToolScout Application Table


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16: How to Write Code that Doesn't Smell
On this episode, Daniel, Jesse, Mo, and Ben discuss the importance of writing good code. Hear four engineers talk specifically and technically about this topic. The conversation includes the infamous "code smell" concept as well as many other things that go beyond the linter in writing code.
Things Mentioned
- Arrow Code, Jeff Atwood
- Confident Ruby, Avdi Grimm
- POODR, Sandi Metz
- Code folding
- Sandi Metz on Ruby Rogues
- DRY (Don't Repeat Yourself)
- Code duplication & rule of three
- Peter Norvig
For more information, check out our website at clearfunction.com.
Follow us on Twitter at @clearfunction.


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Street Price$ 14.99MSRP: $14.99at
A boxing manager tycoon game that's also a really deep RPG that also has a very dramatic story... and somehow it worksRead Full Review
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This chunky headset comes with a really rich soundscape and some rather... interesting gimmicksRead Full Review
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All production of physical PS Vita game cards will cease by the end of fiscal year 2018Read Full News
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Bottom Line: Divinity: Original Sin II - Definitive Edition reaffirms this game as one of the best RPGs ever made. There is simply nothing else like it on the market at the moment.
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Why do we pray? It's a fairly basic question that someone with no knowledge of our faith might well be prompted to ask. Even if we are rather slack in our practise of it, for us as Christians the concept of prayer is so familiar that we sometimes lose sight of its wonder.
At the simplest level it is, of course, a basic part of our calling. We profess a love of God and neighbour as the heart of that call; and it's a bit hard to say we love someone if we aren't speaking to them! But it is also a statement about our belief. There is no point asking anyone for something if you don't believe they are in a position to provide it. In our first reading Moses recognises that only God's help will make victory possible and so he makes that his whole focus rather than military strategy or fighting.
It's also the point of the Gospel. The judge may be unjust, but he is the only one who can give the widow what she needs. So, unpromising as the situation seems, she commits herself to the task of engaging with him and asking, again and again, until she gets what she needs. Jesus then asks us to consider that in the light of our relationship with God – with the challenge "(W)hen the Son of Man comes, will he find faith on earth."
Do we, who would continue to engage with a sinful fellow human being, feel the same commitment to engage with the God we proclaim loves us and cares for us? To have the confidence that whether it is some personal, immediate need, or the final coming of the Lord, that the Lord can and desires to come to our aid, to be with us.
This is what we call petitionary prayer – prayer that asks for something definite. But the confidence and trust which makes us ask for those things should also bring us to desire a closer relationship with God. That leads us to the sorts of prayer which are more about our desire to become what God wants us to be. The prayer that brings us closer to God and his plan for us, helps us to see his vision for us.
That is a form of petitionary prayer too, when you think about it. All prayer in some way or another is really asking something of God. But the prayer we are drawn to as we become more confident in God's care ends up as being: "Please love me, and help me to love you." If that is where our prayer ends up, then indeed there is faith on earth!
Fr Chris Denham


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#2 Bryanna Leyen
Height 5-6
Class Junior
Hometown Perry Hall, Md.
High School Perry Hall
As a Junior (2018-19):
- Entered matches as sub in tense situations and performed well; credits Vandy's sports psychologist for helping her learn to calm down and focus
- Best tourney was UMES' Hawk Classic where she averaged 208.5 to finish 12th individually
- Baker frame average of 19.95
- Spare conversion of 82% and strike percentage of 45.5% in Baker play
- Dean's List member
- Anticipates teaching career
As a Sophomore (2017-18)
- Saw extensive action at Arkansas State and responded with a 276 traditional game, tying 13th highest game in program history.
- Outstanding student who made the NTCA Academic Honor Roll (3.40 minimum grade point required) and also the SEC Academic Honor Roll.
As a Freshman (2016-17)
- Had 16.75 team game frame average in 36 frames
High School and Junior Highlights
- USBC Maryland Youth Star of Tomorrow (2015)
- Maryland State Youth Scratch Female Singles champion (2015)
- Maryland State Youth All Events Scratch Female champion (2015)
- Teen Masters National Female fourth place (2015)
- Collegiate Masters National Female fourth place (2015)
- Collegiate Masters National Female champion (2014)
Academic Highlights
- National Honor Society
- National Spanish Honor Society
- National Math Honor Society
- National Social Studies Honor Society
- National English Honor Society
- National Science Honor Society
- Played soccer and ran track in high school


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Raise and lower your motorcycle with Arnott® rear air shocks. Comes with a black handlebar inflation switch.
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Address:100 Sea Ray DriveMerritt Island, FL 32953
Phone:Toll Free: 877.900.0247Outside of US: +1.321.868.3016
Email:[email protected]
Working Days/Hours:Mon-Fri/8:00 AM-6:00 PM
Address:Docterskampstraat 1E/1F5222 AM 's-Hertogenbosch Netherlands
Phone:NL: +31 (0)73 7850 580UK: +44 (0)203 3186124DE: +49 (0)699 6759106BE: +32 (0)258 846 90ES: +34 91 901 1056
Working Days/Hours:Mon-Fri/8:00 AM-5:00 PM CET


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Almost 10dpo
I will be 10 dpo tomorrow just wondering if anyone tested positive at that time before. I have a 4 and almost 3 year old but don't remember when I tested with them, and does everyone experience implantation bleeding because I don't ever remember noticing that during my last two. We have been trying for almost 7 months now just hoping this is the month.😁


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- 8"w x 10.5"h
- 0 Total Watts
- 0 Lights
- LED Output
Our ADA wall sconce designs with fluorescent lamping options meet ADA compliance standards for low-profile extension off the wall, while providing you energy savings. Perfect for commercial, multi-family residential and various other situations were accessibility is a concern.
The Sea Gull Lighting 4911991S-782 ADA Wall Sconces collection Sconce Wall Lighting in Heirloom Bronze uses LED light output and brings Transitional style. This item is 10.5"H x 8"W x 8"L. Additional Information: Shade-Undefined
By Selecting the Options above you can view all of these Sea Gull Lighting Lighting Products in this ADA Wall Sconces Collection: 4911991S-782, 4911991S-962, 49119BLE-782, 49119BLE-962


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joe.scott v needed a new logo design and created a contest on 99designs.
A winner was selected from 48 designs submitted by 12 freelance designers.
Rebel Car Detailing (Note that "Rebel" is the main name, and "Car Detailing" is more of a sub-name/description)
We sell automotive detailing supplies & accessories to care enthusiasts around the world.
We are looking for a gritty/retro/simple look. We'd love to make the "Rebel" a character that we can use throughout our branding. Our community call to action will be "Join The Rebellion".
Some brands that we absolutely love are:
1. Old School Labs
2. Black Rifle Coffee Company
3. Vortex Optics
4. Ancient Nutrition
5. Alpha Dog Nutrition
Please keep in mind that this logo will have to fit well on bottles of car cleaner (think soap, waxes, etc).
Find out how a design contest works or learn more about our logo design services.


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A minimum-wage worker cannot afford to rent their own apartment in most of Canada, and certainly not in Guelph.
A third of the population in Canada - 4.7 million families - rents a home in Canada and is facing a major affordability crisis according to a report called Unaccomodating by the Canadian Centre of Policy Alternatives (CCPA), a non-profit independent researcher in public policies.
The report examines the scope of the problem by calculating the hourly wage that a worker needs to make to rent an average two-bedroom apartment using 30 per cent or less of their income called the rental wage.
To rent a two-bedroom apartment in Guelph, a worker needs to make:
- $25.52 an hour or work for minimum wage for 73 hours a week in the south end,
- $22.40 an hour or work for minimum wage for 64 hours a week in central Guelph,
- $21.44 an hour or work for minimum wage for 61 hours in the east end,
- $21.81 an hour or work for minimum wage for 62 hours in the west end.
The report's creator, David Macdonald said Guelph ranks number 16 in high rental prices out of the 36 big cities in Canada available in the report.
"So it's essentially mid-range with someone needing to work at $22/hr to afford the average two-bedroom or $20/hr for one bedroom. Quite similar to the national average in fact. It's more expensive than say London or St. Catharines, but less expensive than say, Barrie, Kitchener-Waterloo or Kelowna, B.C," said Macdonald.
Despite being similar to the national average, Macdonald said in none of Guelph's four neighbourhoods can a full-time minimum wage worker afford the average one-bedroom apartment, and much less a two-bedroom apartment which is what the study focused on.
The report states that the high costs of housing have caused many millennials to search for rental units and a rise in rental prices has made it a real difficulty for renters.
"We were really surprised as an organization to see the affordable renting crisis is in Canada," said media and public relations officer, Alyssa O'Dell.
"Unless we really get active on the public policy side and making some changes federally and provincially to make sure there's just more affordable housing being built, we're gonna see more and more skyrocketing rents," said O'Dell.
She said it is going to continue to get harder for people who are earning lower wages and fixed income such as seniors and millennials who are trying to get out of their parents' homes'.
"It's putting a crunch on all of those people and unless we find a way just to change that and reverse it, its gonna be harder and harder for people to be able to afford to live," said O'Dell.
"Essentially that means that if we don't reverse this trend, people are going to continue to have to make choices between affording a roof over their head and basic life necessities and so that's something we don't want to see happen to people."