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8 thoughts on “Apon and Ador Traders”

  1. Witaj drodzy czytelnicy!

    Zamierzam podzielić się z Wami kilka słów na temat zdrowego
    stylu życia. Zdaję sobie sprawę, że dla wielu z nas słowo “dieta”
    jest czymś przerażającym, pełnym trudności i niesmacznych dań.
    Ale macie świadomość? To nie jest konieczne!

    Przede wszystkim, zdrowa dieta to nie tylko kwestia tego, co mamy na talerzu, ale
    też jak się czujemy po posiłku. Czy wiesz, że zdrowa dieta może zwiększyć naszą energię, dodać sił i nawet poprawić nasz nastrój?
    Prawda, że fajnie?

    W tym kontekście chciałbym wspomnieć o blogu
    sportmenu.pl, którego właścicielką jest
    Katarzyna Wiśniewska. Jeśli jeszcze go nie znasz, to czas to zmienić!

    Katarzyna posiada ogromną wiedzę na temat zdrowego żywienia
    i przekazuje ją w bardzo przyjazny sposób.
    Co więcej, jej pomysły na jedzenie są nie tylko odżywcze, ale też wyśmienite!

    Na początek, dlaczego jest istotne, co spożywamy.
    Nasze organizmy to jak samochody – potrzebują odpowiedniego paliwa, żeby być
    w pełni sprawne. I tutaj Katarzyna przychodzi nam z pomocą.
    Na SportMenu.pl jest mnóstwo pomysłów na zdrowe potrawy,
    które zadowolą najbardziej wymagających.

    Nie trzeba być mistrzem kuchni, żeby gotować zdrowo.
    Wiele propozycji Kasi jest łatwych i szybkich w wykonaniu.
    Idealne na nasze codzienne życie, gdy nie mamy czasu na gotowanie.
    Na blogu możecie znaleźć inspiracje na śniadania, obiady, kolacje i desery – wszystkie zdrowe
    i pełnowartościowe. A co najlepsze w tym wszystkim, każda
    z tych dań jest taka smaczna, że nawet dzieciaki je polubią!

    Często uważamy, że zdrowe jedzenie jest drogie. Ale to
    nie jest prawda! Autorka pokazuje, że zdrowa dieta może być tania.
    Jej pomysły bazują na tanich i dostępnych produktach.
    Wystarczy dobrze zaplanować, możemy jeść zdrowo i oszczędzać.

    No dobrze, a co z dietami? Na SportMenu.pl można znaleźć wiele informacji
    dotyczących diety, które pomogą Wam osiągnąć cele
    zdrowotne. Niezależnie od tego, czy chcecie zrzucić kilogramy, zyskać więcej witalności,
    czy po prostu polepszyć zdrowie, Kasia ma coś dla Was.
    I to wszystko w zrozumiały sposób, bez skomplikowanego języka.

    Jedną z najlepszych cech portalu SportMenu.pl jest to, że
    Kasia traktuje zdrowe jedzenie z uśmiechem. To nie jest
    nudne, pouczające gadanie o tym, czego nie wolno jeść.
    Zamiast tego, Kasia pokazuje, jak cieszyć się
    jedzeniem, jednocześnie troszcząc się o zdrowie. To podejście naprawdę do mnie przemawia i sprawia, że chce się wracać
    po więcej inspiracji.

    Podsumowując, jeśli chcecie poprawić swoje samopoczucie, energię życiową,
    warto odwiedzić portal SportMenu.pl. Autorka to ekspertka w dziedzinie zdrowego stylu życia, a jej przepisy i porady na pewno Wam się
    spodobają. Gotowanie może być proste, przyjemne i zdrowe – a Autorka pokaże Wam, jak
    to robić!

    Dbajcie o siebie i jedzcie zdrowo

    P.S. Jeśli macie swoje ulubione zdrowe dania, podzielcie się nimi
    tutaj. Możemy razem inspirować się wzajemnie i zdrowo się odżywiać!

  2. As a serious golf player, I can not stress sufficient
    how crucial the appropriate devices are to not just enjoying the video game but
    likewise boosting your efficiency on the training course.

    Golf is as much a psychological video game as it is physical, and having the correct gear can truly make a distinction in how you come close to each
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    Firstly, allow’s discuss golf gloves. Lots of players undervalue the significance of a great glove.
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    club, which is vital for regulating your shots.
    Especially in humid or damp conditions, an excellent glove can be the distinction between a strong drive and a wild piece.

    Gloves with a tight fit made from high-quality leather
    have a tendency to use the most effective efficiency.
    They mold to your hand over time, offering both convenience and integrity.

    One more commonly overlooked accessory is the golf tee.
    Yes, it’s a small thing, but the right tee can really
    influence your game. As an example, using much longer tees
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    If you choose strolling the program, a lightweight stand bag
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    tool has improved my game. Knowing the exact range to the pin or risks enables you
    to pick the right club with confidence. Whether you
    select a laser rangefinder or a GPS one, the accuracy
    these tools give is very useful.

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    A towel maintains your clubs and balls clean, making certain better call and precision,
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  3. As a serious golf player, I can not stress sufficient exactly how vital the ideal accessories are to not
    only enjoying the video game yet additionally enhancing your efficiency on the training course.
    Golf is as a lot a mental video game as it is physical, and
    having the appropriate gear can really make a distinction in exactly how you approach each round.

    Firstly, allow’s talk about golf handwear covers. Many gamers take too lightly
    the relevance of a good handwear cover. It’s not nearly stopping sores; a
    handwear cover aids you preserve a constant hold on your club,
    which is vital for controlling your shots. Specifically in humid or wet problems, an excellent glove can be the
    distinction between a strong drive and a wild piece.
    Handwear covers with a snug fit made from top quality natural leather often tend to provide the best efficiency.
    They mold and mildew to your hand over time, supplying
    both comfort and integrity.

    An additional typically forgotten device is the golf tee.
    Yes, it’s a tiny thing, but the best tee can in fact impact
    your game. For instance, using much longer tees with
    your motorist can help you attain much better launch angles, while
    much shorter tees are perfect when you need even more
    control with your irons. Directly, I favor using naturally
    degradable or plastic tees due to the fact that they’re
    more long lasting and green.

    Golf bags are an additional essential that should have even more focus than they usually obtain. A well-designed
    golf bag isn’t just about style– it’s about functionality and convenience.
    If you like walking the training course, a light-weight stand bag with good storage space choices can make your round far more enjoyable.

    On the other hand, if you’re riding in a cart, a cart bag with
    lots of area for all your gear is a must. The appropriate golf bag
    assists you stay arranged, which is crucial when you require
    to focus on your video game.

    One device that’s ending up being increasingly popular is the rangefinder.
    I can not tell you how much this little gadget has boosted my video game.

    Knowing the precise distance to the pin or risks enables you to pick the right
    club with self-confidence. Whether you choose a laser rangefinder or a GPS one, the accuracy
    these devices supply is important.

    Finally, never underestimate the significance of a
    great golf towel and umbrella. A towel keeps your
    clubs and spheres clean, making sure better contact and accuracy,
    while an umbrella is a lifesaver during unexpected weather modifications.
    These little things contribute to the overall high quality of
    your video game.

    To conclude, purchasing the best golf devices is crucial for any individual
    major regarding enhancing their video game.
    Whether it’s a handwear cover that fits ideal, a sturdy golf bag, or a sophisticated
    rangefinder, having the right tools can make every round much more delightful and successful.
    For anyone searching for thorough evaluations and professional guidance on the best golf gear, I extremely
    recommend checking out SwanCreekGolfClub.com.

  4. Возведение частного дома – это важное
    и требующее внимания мероприятие, требующее вложения денег, но и осознанного
    подхода на всех этапах. Совсем недавно мне пришлось
    построить дом для своей семьи
    и решил подробно изучить этот вопрос.

    В процессе поиска информации наткнулся на интересный сайт https://stroyblog.by/,
    где собраны множество полезных советов и рекомендаций для людей, собирающихся строить
    загородного дома в Республике Беларусь.

    На первом этапе, с которого стоит
    начать процесс строительства, становится выбор подходящего участка.

    Этот момент может показаться простым, но на
    самом деле важно учесть множество нюансов: близость транспортных путей, наличие инженерных сетей, грунтовые
    условия и многие другие аспекты.
    На ресурсе я нашел данные о том, какие могут возникнуть ошибки при выборе земли
    и что делать, чтобы их избежать.

    После выбора участка, необходимо заняться
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    Еще один важный аспект, который нельзя игнорировать — это выбор строительных материалов.

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Razib Ahmed Profile Details:

Razib Ahmed has been working at WASO Credit Rating Company (BD) Ltd. as Chief Rating Officer since January 2024. Prior to joining WCRCL, he worked with Credit Rating Information and Services Ltd. (CRISL) as Vice President and Chairman of the Internal Review Committee. He joined CRISL in January 2022. He started his career in the credit rating industry in 2006 as a financial analyst at Credit Rating Agency of Bangladesh Limited (CRAB) and served for more than 15 years in different positions at this organization, including Head of Business Development Division, Unit Head of Rating Division, etc.

Mr. Ahmed has an MBA from Dhaka University in Finance and Banking. In CRISL and CRAB, he has performed several rating assignments including ratings of financial institutions (banks, NBFIs, General Insurance), large corporate, projects, structured instruments, and financial forecasting and modeling of various industries. He was also responsible for ensuring the analytical quality and due diligence aspects of four teams under the Rating Unit of CRAB. He was also actively engaged in methodology development for assessing credit worthiness and credit rating for urban local bodies (ULBs) in Bangladesh. At present, he is a member of the ‘Technical Committee’ formed by Bangladesh Bank to develop uniform rating methodologies and score models for credit rating agencies.

Mr. Ahmed received training on ‘Best Practices in Rating’ and ‘Rating of Bond Market Mutual Funds’ arranged by Asian Development Bank (ADB), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Manila, Philippines; training on ‘Indicators for Effective Macroeconomic Risk Analysis’ arranged by Malaysian Rating Corporation (MARC), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia; and participated in various training programs and workshops arranged by CRAB, CRISL, MCCI, DCCI, BEI, etc.

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Md. Al Amin Jewel Profile Details:

Md. Al Amin Jewel has been working at WCRCL as Assistant Vice President (AVP) of WASO Credit Rating Company (BD) Limited and as Deputy In-Charge of Credit Rating Division (CRD) since 2012. Prior to joining WCRCL, Mr. Jewel worked at the Trauma Center and Orthopedic Hospital in Shaymoil, Dhaka, as an internal auditor since 2009.

 

Mr. Jewel has an MBA from Bangladesh Open University (BOU) with a major in Finance and Banking, and a Masters of Business Studies (MBS) with a concentration in Accounting from National University. In addition, Mr. Jewel is an articleship student at the Institute of Cost and Management Accountants of Bangladesh (ICMAB) and has completed business level. In WCRCL, he completed many rating assignments, including ratings of financial institutions (NBFIs and general insurance), large corporations, SME projects, instruments, and various industries.

 

Mr. Jewel received training on ‘Credit Risk Management’ (Credit Risk Analysis, Financial Risk, Operational Risk, and Cash Flow Analysis) conducted by Financial Excellence Limited and participated in various training programs and workshops arranged by WCRCL.

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Monira Islam Profile Details:

Monira Islam has been working at WASO Credit Rating Company Limited as a senior financial analyst since 2018 and as a team leader since 2023. Before joining WASO, she worked with Credit Rating Information and Services Ltd. (CRISL) as a research officer since 2010.

 

Ms. Monira has an MBA from Daffodil International University in Finance. In WASO and CRISL, she is a dedicated and detail-oriented financial analyst with 12 years of experience. In this time, she completed many rating assignments, including ratings of general insurance, MFIs, power plants, large corporations, projects of various industries, and SME clients. As a senior financial analyst, she performs quantitative and statistical analysis, accounting, and decision-making with strong analytical skills. She also assists in training and, as needed, supervises her team members. Experienced in client relations, effective communication, report generation, process development, and documentation.

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Maharan Nasrin Profile Details:

Maharan Nasrin has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD.) Limited and as a team leader, since 2014. Maharan Nasrin has an MBA from Eastern University in Finance. In WCRCL, she completed many rating assignments, including ratings of large and medium corporations, projects, and SMEs. Besides, assessing, analyzing, and interpreting complicated business and financial information from different SMEs and corporations throughout her stint as an analyst, Ms. Nasrin gathered knowledge and learned different characteristics of numerous industries, such as textiles (RMG, RMG accessories, etc.), trading, rice mills, and others.

 

Ms. Nasrin has participated in all the in-house training and workshops. Before starting a career in the credit rating industry in Bangladesh, Maharan Nasrin worked with Jamuna Bank Limited.

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Ummay Fatema Profile Details:

Ummay Fatema has been working at WCRCL as a senior financial analyst and team leader since 2015. She has an MBA from Rajshahi University in finance and banking. In WCRCL, she completed many rating assignments, including ratings of large corporations, projects, and many other business entities. Her key responsibilities include reviewing and conducting critical examinations of credit rating applications, managing all kinds of risks and regulatory compliance, supervising and assisting team members to meet time-bound action plans, nurturing new members of the team, maintaining liaison at a regular interval across various clients, bankers, and auditors for gathering and updating business information, etc.

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Md. Rafiul Bary Profile Details:

Md. Rafiul Bary has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD) Limited since 2015 and is currently working as a team leader. Before starting his career in the credit rating industry in Bangladesh, Mr. Rafi also worked with Invesco Global.

Mr. Rafi has an MBA from the Bangladesh University of Business and Technology (BUBT) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than thousands of SME clients with diversified industries and modeling of various industries. He also worked for ensuring analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

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Md. Firoz Hossain Profile Details:

Md. Firoz Hossain has been working as a compliance officer for WASO Credit Rating Company (BD) Limited since 2020. Before joining this company, Mr. Firoz worked at BRB Hospitals Limited as the In-Charge of the Billing Section, and he also worked at WASO Credit Rating Company (BD) Limited as the Executive of the Business Development Department.

Mr. Firoz completed his graduation and post-graduation in economics from Dhaka College under the National University.

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