Equity Bank Group Limited (EQTY.rw) listed on the Rwanda Stock Exchange under the Banking sector has released it’s 2020 interim results for the first quarter.For more information about Equity Bank Group Limited (EQTY.rw) reports, abridged reports, interim earnings results and earnings presentations, visit the Equity Bank Group Limited (EQTY.rw) company page on AfricanFinancials.Document: Equity Bank Group Limited (EQTY.rw) 2020 interim results for the first quarter.Company ProfileEquity Bank Group Limited is a leading financial institution based in Kenya which offers products and services to private individuals and small-to-medium enterprises, and the corporate banking market. It operates in six geographical markets; Kenya, Uganda, South Sudan, Rwanda, Tanzania and the Democratic Republic of Congo (DRC). The consumer division targets salaried customers or customers who receive regular remittances, such as a pension. The SME division provides financial solutions for working capital needs, property development and acquisition of assets. The corporate division targets large enterprises offering products and services that range from equity, mortgage and asset finance loans to trade finance, development loans and business loans. Formerly known as Equity Bank Limited, the commercial bank is a wholly-owned subsidiary of Equity Group Holdings Limited. Equity Bank Group Limited is listed on the Rwanda Stock Exchange
Rupert Hargreaves | Monday, 24th May, 2021 | More on: CPG IHG Image source: Getty Images Our 6 ‘Best Buys Now’ Shares As the reopening of the UK economy continues, I believe some of the best stocks to buy now are businesses that may benefit from this trend. As such, here are two FTSE 100 companies that I’d buy for my portfolio. Best stocks to buy nowThe first company on my list is the catering group Compass (LSE: CPG). Before the pandemic, this enterprise operated a relatively profitable business.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Contract catering requires little upfront investment as the facilities and equipment are usually owned by the client. This allowed the company to generate robust profit margins and a strong return on investment before the pandemic.However, over the past 12 months, the company’s revenue has slumped. It reported a 30.4% decline in its last financial year. In addition, operating margins fell from 7% before the pandemic, to 3.4%. The thing is, the pandemic may have disrupted many of the company’s markets, but people are still eating. This suggests to me that as the economy recovers and reopens, Compass’s revenues should return. This is the primary reason why I believe Compass is one of the best shares to buy now. I think the group should return to growth over the next 12-24 months as the world gets back to normal. That said, it’s unlikely to be plain sailing for the FTSE 100 company over the next few months. It’s unclear if office workers will ever return in pre-pandemic numbers. It could also be sometime before large events return. Further, another coronavirus wave may set its recovery back months. Despite these risks, I’d buy the FTSE 100 company for my portfolio of recovery stocks today.FTSE 100 growthThe other company I believe is one of the best shares to buy now for a recovery portfolio is InterContinental Hotels (LSE: IHG).Just like Compass, this company has suffered significantly over the past 12 months. But the owner of hotel brands such as Holiday Inn, Crowne Plaza, and InterContinental should see a return to growth as travel and tourism activity worldwide recovers.Indeed, the company is already reporting a pick-up in demand. According to its latest trading update, occupancy across its hotels was around 40% at the end of March.However, management noted there was “clear evidence” that revenues would increase substantially in the months ahead, based on forward-booking trends. Of course, if there’s another coronavirus wave, these trends will mean nothing. Customers will cancel, and the company will return to stage one. That’s the most considerable risk the business faces right now. It could also struggle due to excess capacity in the hotel sector. Still, I’d buy InterContinental Hotels for my portfolio of FTSE 100 recovery shares today despite these risks and challenges. As a way to play the economic rebound, overall I think this is one of the best shares to buy now. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Simply click below to discover how you can take advantage of this. Rupert Hargreaves owns no share mentioned. The Motley Fool UK has recommended Compass Group and InterContinental Hotels Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Best stocks to buy now: 2 FTSE 100 reopening shares The Motley Fool UK’s Top Income Stock… We think that when a company’s CEO owns 12.1% of its stock, that’s usually a very good sign.But with this opportunity it could get even better.Still only 55 years old, he sees the chance for a new “Uber-style” technology.And this is not a tiny tech startup full of empty promises.This extraordinary company is already one of the largest in its industry.Last year, revenues hit a whopping £1.132 billion.The board recently announced a 10% dividend hike.And it has been a superb Motley Fool income pick for 9 years running!But even so, we believe there could still be huge upside ahead.Clearly, this company’s founder and CEO agrees. Enter Your Email Address Learn how you can grab this ‘Top Income Stock’ Report now See all posts by Rupert Hargreaves
Last week’s decision to put Portugal on the amber list for UK travellers was a big disappointment for easyJet (LSE: EZJ). But markets had already turned cautious on airlines — the easyJet share price fell steadily for most of May.The airline’s shares have fallen by nearly 10% over the last month, trimming the stock’s 12-month gain to 15%. Travel restrictions may continue a while longer, but easyJet has plenty of cash on hand to survive short-term setbacks — is now the right time for me to buy the stock?5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Three good thingsLet’s start with the good news. easyJet has completed its “largest ever” restructuring and cost-cutting program over the last six months. This has included redundancies, pay cuts, and changes to working hours for flight crew.Assuming that air travel returns to normal later this year, I think easyJet’s profitability could recover quite quickly. This could support a higher share price, despite the dilution from new share issues.The next few months seem likely to be difficult, but easyJet still has plenty of cash on hand. The airline reported £2.9bn of cash and unused debt at the end of March. CEO Johan Lundgren does not expect to need more financing unless the 2022 summer season is disrupted.Finally, I think that easyJet’s low-cost structure, large size, and short-haul focus mean that it could take market share from higher-cost flag carrier airlines when air travel recovers. This could help easyJet recover more quickly than some rivals.The bad news?It’s not all good news. Airline industry body the IATA estimates that passenger numbers in Western Europe won’t return to 2019 levels until the end of 2023. This worries me because many of the costs involved in running an airline are fixed. They don’t change when passenger numbers fall.What this means is that while easyJet is flying at reduced capacities, its costs per seat are much higher. This makes it harder to fly profitably. I think this could put pressure on easyJet’s share price for some time yet.Some of these increased costs should fall away quickly when travel restrictions are lifted. But some won’t. One area that concerns me is easyJet’s aircraft finance costs. These have risen sharply due to higher debt levels and an increase in the number of leased aircraft in easyJet’s fleet.These changes helped the airline to raise funds last year, but this money must now be repaid.easyJet share price: my decisionMy sums suggest that at a share price of 1,000p, easyJet shares are valued at around 12 times historic peak earnings. This suggests to me that the market has already priced in a strong recovery in air travel.I’m also worried that it may take longer than expected for easyJet’s profit margins to fully recover. Although some operating costs should be lower, I think these savings may be offset by higher finance costs.On balance, I think easyJet’s share price is probably high enough at the moment. I don’t see any good reason for a higher valuation, but I can see some potential risks. I’m not interested in buying at this level, but I do think that easyJet will remain one of the better airline stocks. Click here to get access to our presentation, and learn how to get the name of this ‘double agent’! Roland Head has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Our 6 ‘Best Buys Now’ Shares Will the easyJet share price bounce back? Don’t miss our special stock presentation.It contains details of a UK-listed company our Motley Fool UK analysts are extremely enthusiastic about.They think it’s offering an incredible opportunity to grow your wealth over the long term – at its current price – regardless of what happens in the wider market.That’s why they’re referring to it as the FTSE’s ‘double agent’.Because they believe it’s working both with the market… And against it.To find out why we think you should add it to your portfolio today… Roland Head | Wednesday, 9th June, 2021 | More on: EZJ Enter Your Email Address I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Image source: London Luton Airport Simply click below to discover how you can take advantage of this. There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it! Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. See all posts by Roland Head
Photographs: Tim Van de VeldeText description provided by the architects. In the first half of 2011 an urban pavilion by Bedaux de Brouwer Architecten has arisen in the Primus van Gils Park in Tilburg. Until now, this area in the city center had been characterized by an exceedingly patched up urban condition. This pavilion by Jacq. de Brouwer intends to reconcile its parts.Save this picture!© Tim Van de VeldeRecommended ProductsRenders / 3D AnimationAUGmentectureAugmented Reality Platform – AUGmentecture™WindowsVEKAWindows – SOFTLINE 82 ADWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40WindowsStudcoSteel Window Reveal – EzyRevealStanding firmly in the middle of the park and being clearly visible from all angles the pavilion’s key ambition is to become a spatial conductor. Dynamic connections to the surrounding greenery and the cityscape are forged. Two apartments stacked on top of a shared entrance level make up a circular-shaped five level structure. Rooms of both apartments that require privacy are grouped together on the third and fourth level. The rooms are made introvert and are kept within the core. The second and fifth level contain outward looking spaces.Save this picture!© Tim Van de VeldeLarge sweeping window bays provide maximum panoramic views and have the advantage of allowing the use of large sliding window panes that open up the façade. The window bays spiral upwards as if to actively search for optimum orientation. Privacy and engagement are caught in a whimsical display of twisting and turning. Like a combination lock the bays latch into their final position.Save this picture!© Tim Van de VeldeBy rendering the whole building in a dark glazed brick the impression of an amassing edifice is amplified. The suggestive weight grants the sweeping gestures tectonic forcefulness. A distinctive brick-laying technique of recessed bed joints and omitted head joints makes the masonry at times appear almost like textile. In its staged setting, this pavilion will be continuously at play to attune the space of the city.Save this picture!© Tim Van de VeldeProject gallerySee allShow lessStrategy and Tactics / a+tArticlesCTBUH Debuts their Skyscraper Resource SiteArticlesProject locationAddress:Gelrebaan, Oud-Noord Tilburg, The NetherlandsLocation to be used only as a reference. It could indicate city/country but not exact address. Share Duikklok / Bedaux de Brouwer ArchitectenSave this projectSaveDuikklok / Bedaux de Brouwer Architecten Projects CopyPavilion, Apartments•Tilburg, The Netherlands Save this picture!© Tim Van de Velde+ 30 Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/210255/duikklok-bedaux-de-brouwer-architecten Clipboard ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/210255/duikklok-bedaux-de-brouwer-architecten Clipboard “COPY” Pavilion Architects: Bedaux de Brouwer Architecten Area Area of this architecture project Year: Duikklok / Bedaux de Brouwer Architecten The Netherlands Photographs Area: 576 m² Year Completion year of this architecture project 2011 CopyAbout this officeBedaux de Brouwer ArchitectenOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsCultural ArchitectureMuseums & ExhibitPavilionResidential ArchitectureHousingApartmentsTilburgHousingThe NetherlandsPublished on February 24, 2012Cite: “Duikklok / Bedaux de Brouwer Architecten” 24 Feb 2012. ArchDaily. Accessed 11 Jun 2021.
Charity promoted to high net worth investors Read Nationwide’s Fund Arm Readies Web-based Charitable Giving by Julie Segal at Fund Action. Find out more about the peer-group pressure involved in some giving by wealthy individuals in Downhill philanthropy: Skiing, competition metaphors for donating by Mark Ritchie at SiliconValley.com. 9 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 1 April 2001 | News The number of companies offering donor-advised funds continues to grow. In the USA Villanova Capital, the asset management arm of Nationwide Financial, has launched a Web-based, “multi-investment option charitable giving program to tap further into its primary market of high-net-worth investors.”The number of companies offering donor-advised funds continues to grow. In the USA Villanova Capital, the asset management arm of Nationwide Financial, has launched a Web-based, “multi-investment option charitable giving program to tap further into its primary market of high-net-worth investors.”High net worth investors, like the “mass affluent,” are attracting both financial service companies but also professional philanthropy advisers. This three-sided relationship of financial service company, wealthy individual, and philanthropic adviser has already become a noticeable trend, both in the USA and UK. Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Data gathering for eighth ‘Managing in a Downturn’ kicks off Howard Lake | 24 November 2014 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 32 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Institute of Fundraising Management recession Research / statistics In relation to your charity’s fundraising, do you plan to take any of the following actions?• Employ more fundraisers• Reduce the number of fundraisers• Increase training for fundraisers• Explore new fundraising options• Look for collaborative working opportunities• Look for efficiency savings• Redistribute resources within the fundraising departmentThe 8th MIAD also asks if charities have taken steps to “enhance levels of transparency and disclosure of financial information” last 12 months and if they have, what has driven this, giving four options:• Direction from the board of trustees• Expectations of donors• Adhering to best practice• Influenced by other charities who are making disclosuresAnd it asks if charities have collaborated with other charities in their fundraising, programme delivery, policy and campaigning and shared staff and back office.The seventh edition of the series – Managing in the New Normal – published last year, found that 90% of respondents felt that charities had fallen under a negative spotlight, and just over a fifth said that they felt this had negatively impacted their fundraising. Nearly half (49%) of charities said that over the last year they had taken steps to enhance levels of transparency and disclosure of financial information. The data-gathering phase for the latest edition of the Institute of Fundraising’s Managing in a Downturn (MIAD) research is now under way.Produced in collaboration with PwC, the eight instalment of the survey aims to track the “ongoing impact of the economic conditions on the charity sector” and explore “issues and challenges facing charitable organisations and fundraisers”.The survey has been shortened this year so it should only take about 15 minutes to complete.Questions include:What are the key fundraising challenges?• Higher targets• Fewer resources/less investment internally• Donors having less disposable income• Donors’ uncertainty about economic security means less inclination to donate• More competition from other fundraising organisations/charities• Increased press and public scrutiny into fundraising practice and charities generallyWhat are important future challenges for the charity sector?• Reduced grant funding from public bodies• Increased costs to running a charity (bills, rent, business rates, suppliers etc)• Having a workforce with the right skills for the future• Increased expectations of donors and other stakeholders• Competition between charities• Reputational issues for the charity sector Advertisement
Source: NAFB News Serivce New Crop Insurance Premium Rates Set by USDA’s RMA Home Indiana Agriculture News New Crop Insurance Premium Rates Set by USDA’s RMA USDA’s Risk Management Agency has announced it will continue to update crop insurance premiums for corn, soybeans, grain sorghum, spring wheat, rice and cotton. Revised rates for corn and soybeans were offered in most counties in 2012. In 2013 – revised rates for grain sorghum, spring wheat, rice and cotton will be available. It was one year ago that RMA announced it would update crop insurance premiums based on findings of an independent study and peer review process. In general – RMA says the study recommended giving more weight to recent years – rather than the current approach of giving equal weight to all years back to 1975.RMA conducts periodic reviews of its rates and methodology to ensure the Federal crop insurance program doesn’t place an unnecessary financial burden on growers or the American taxpayers through unsound premium rates. RMA Administrator William Murphy says the effort assures that appropriate and fair costs are charged for crop insurance.The revised premium rates for 2012 and 2013 incorporate improvements – including integration of weather data into the premium rating process, refinement of premium loads for prevented planting and replant payments and placement of more weight on loss experience from recent years. RMA will phase in the new rates to limit year-to-year premium changes and potential increases due to losses experience in 2012 due to the drought. RMA says this will ensure greater stability of premiums and predictable rates.Visit rma dot usda dot gov (www.rma.usda.gov) for more information. SHARE SHARE By Gary Truitt – Nov 28, 2012 Facebook Twitter Facebook Twitter Previous articleRenewable Fuels Association Says NCCR Campaign Serves Up Half-TruthsNext articleCheck Bins Through Winter Gary Truitt
We demonstrate that recent observed trends in the annual and austral summer Southern Hemisphere Annular Mode (SAM) are unlikely to be due to internal climate variability, since they exceed any equivalent-length trends in a millennial General Circulation Model (GCM) control run with constant forcings. In contrast we show that observed trends in the SAM are consistent with the combined effects of anthropogenic and natural forcings in GCM simulations. As these trends begin prior to stratospheric ozone depletion we challenge the assertion that this process is primarily responsible for changes in the SAM. Moreover, anthropogenic forcings have a larger effect on the austral summer SAM in combination with natural forcings than when acting in isolation.
Pilots of the tests have been launched across England, including a city-wide programme in Liverpool. Since the rollout of mass testing, which includes the use of lateral flow tests, 700 cases where an individual was asymptomatic have been discovered. Currently swabbing must be done by trained professionals at a designated testing site. However, given that the tests are easier to use and analyse than traditional methods, scientists are now investigating whether it is possible to introduce self-testing. Image credit: Vesna Harni / Pixabay However, other leading scientists have questioned whether the tests are accurate enough to be useful. Professor Sebastian Johnson of Imperial College London said: “This single test will not be good enough to say you are almost certainly negative, as its sensitivity is not good enough, especially in the hands of the general public.” “The data in this validation report demonstrates that these inexpensive, easy to use tests can play a major role in the fight against COVID-19. They identify those who are likely to spread the disease and when used systematically in mass testing could reduce transmissions up to 90%. They will be detecting disease in large numbers of people who have never previously received a test.” New rapid coronavirus tests are accurate and sensitive enough to be used in the community, Public Health England and Oxford University have announced. Professor Jon Deeks, an expert in coronavirus testing, agrees: “It is basic epidemiology that tests which miss cases like Innova are not fit for use to rule out disease – such as is needed to decide whether students are safe to travel home at the end of the year.” The lateral flow tests allow samples to be processed without laboratory equipment and on site, producing results in just thirty minutes. Importantly, the tests are able to detect asymptomatic carriers who could potentially be spreading the disease without realising. Sir John Bell, Regius Professor of Medicine at Oxford University, said the trials showed the part lateral flow tests could play in defeating coronavirus. Data so far shows that just 0.32% of tests give false positives. This was lowered further to 0.06% when conducted in a laboratory setting. Overall, the tests were successful in identifying over 75% of positive cases of coronavirus. Crucially, several of the tests have proved effective in catching those with high viral loads, who are the most infectious carriers of the disease. Swifter identification of such individuals should prevent the spread of the disease in the population. “I am really concerned that people are not given information to understand what the results mean. A negative test indicates your risk is reduced to between one quarter and one half of the average, but it does not rule out Covid. It would be tragic if people are misled into thinking that they are safe to visit their elderly relatives or take other risks”. The research was conducted by Public Health England’s Porton Down laboratory alongside the University of Oxford. Initially forty tests were developed, nine of which were judged to advance to a full evaluation. Six of these tests have now successfully reached the third part of a four-stage assessment, with the most advanced, Innova, being used in the Liverpool trial.
passed away February 2, 2018 at home in Bayonne. Born in Jersey City, she lived in Jersey City most of her life before moving to Bayonne several years ago. Kathryn worked at Western Electric for 26 years before retiring in 1978. Kathryn was a member of Telephone Pioneers of America and the Senior Citizens of St. Paul the Apostle Church, Jersey City. Wife of the late John Churik. Mother of Kathleen Kelder and her husband Richard, John Churik and his wife Frances. Grandmother of Jennifer Churik (Luis), Amy Enos (Ben), and Jaclyn Churik. Great-Grandmother of Matthew Erickson, Julianna Erickson, Avery Enos, and Celia Enos. Sister of the late Stella Gutch, John Yurechko, Mary Tronco, William Yurecko, Michael Yurecko, and Joseph Yurecko. In lieu of flowers, donations to Peace Care St. Ann’s, 198 Old Bergen, Jersey City, NJ 07305 or The Compassionate Care Hospice, 6 Prospect Village Plaza, Suite 200, Clifton, NJ 07013. Funeral arrangements by GREENVILLE MEMORIAL HOME, 374 Danforth Ave., Jersey City.