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ICICI Bank Limited (ICICI Bank or the Bank), incorporated in Vadodara, India is a publicly held banking company engaged in providing a wide range of banking and financial services including commercial banking and treasury operations. ICICI Bank is a banking company governed by the Banking Regulation Act, 1949. The Bank also has overseas branches in Bahrain, China, Dubai, Hong Kong, Qatar, Sri Lanka, Singapore, South Africa and United States ofAmerica and Offshore Banking units.
Basis of brparation
The financial statements have been brpared in accordance with requirements brscribed under the Third Schedule of the Banking Regulation Act, 1949. The accounting and reporting policies of ICICI Bank used in the brparation of these financial statements conform to Generally Accepted Accounting Principles in India (Indian GAAP), the guidelines issued by Reserve Bank of India (RBI) from time to time and the Accounting Standards notified under Section 133 of the Companies Act, 2013 read together with paragraph 7 of the Companies (Accounts) Rules, 2014 to the extent applicable and practices generally brvalent in the banking industry in India. The Bank follows the historical cost convention and the accrual method of accounting, except in the case of interest income on non-performing assets (NPAs) and loans under strategic debt restructuring (SDR) scheme of RBI where it is recognised upon realisation.
The brparation of financial statements requires the management to make estimates and assumptions that are considered in the reported amounts of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reported income and expenses during the reporting period. Management believes that the estimates used in the brparation of the financial statements are prudent and reasonable. Future results could differ from these estimates.
Significant Accounting Policies
1. Revenue recognition
a) Interest income is recognised in the profit and loss account as it accrues except in the case of non-performing assets (NPAs) where it is recognised upon realisation, as per the income recognition and asset classification norms of RBI. Further, the interest income on loan accounts where restructuring has been approved by the Bank under SDR scheme of RBI is recognised upon realisation.
b) Income from finance leases is calculated by applying the interest rate implicit in the lease to the net investment outstanding on the lease over the primary lease period. Finance leases entered into prior to April 1, 2001 have been accounted for as per the Guidance Note on Accounting for Leases issued by the Institute of Chartered Accountants of India (ICAI). The finance leases entered subsequent to April 1, 2001 have been accounted for as per Accounting Standard 1 9 - Leases.
c) Income on discounted instruments is recognised over the tenure of the instrument on a constant yield basis.
d) Dividend income is accounted on accrual basis when the right to receive the dividend is established.
e) Loan processing fee is accounted for upfront when it becomes due.
f) Project appraisal/structuring fee is accounted for on the completion o f t h e agreed service.
g) Arranger fee is accounted for as income when a significant portion of the arrangement/syndication is completed.
h) Commission received on guarantees issued is amortised on a straight-line basis over the period of the guarantee.
i) The annual/renewal fee on credit cards is amortised on a straight line basis over one year,
j) All other fees are accounted for as and when they become due.
k) Net income arising from sell-down/securitisation of loan assets prior to February 1, 2006 has been recognised upfront as interest income. With effect from February 1, 2006, net income arising from securitisation of loan assets is amortised over the life of securities issued or to be issued by the special purpose vehicle/special purpose entity to which the assets are sold. Net income arising from sale of loan assets through direct assignment with recourse obligation is amortised over the life of underlying assets sold and net income from sale of loan assets through direct assignment, without any recourse obligation, is recognised at the time of sale. Net loss arising on account of the sell-down/securitisation and direct assignment of loan assets is recognised at the time of sale.
I) The Bank deals in bullion business on a consignment basis. The difference between price recovered from customers and cost of bullion is accounted for at the time of sales to the customers. The Bank also deals in bullion on a borrowing and lending basis and the interest paid/received is accounted on accrual basis.
2. Investments
Investments are accounted for in accordance with the extant RBI guidelines on investment classification and valuation as given below.
1. All investments are classified into 'Held to Maturity', 'Available for Sale' and 'Held for Trading'. Reclassifications, if any, in any category are accounted for as per RBI guidelines. Under each classification, the investments are further categorised as (a) government securities, (b) other approved securities, (c) shares, (d) bonds and debentures, (e) subsidiaries and joint ventures and (f) others.
2. 'Held to Maturity' securities are carried at their acquisition cost or at amortised cost, if acquired at a brmium over the face value. Any brmium over the face value of fixed rate and floating rate securities acquired is amortised over the remaining period to maturity on a constant yield basis and straight line basis respectively.
3. 'Available for Sale' and 'Held for Trading' securities are valued periodically as per RBI guidelines. Any brmium over the face value of fixed rate and floating rate investments in government securities, classified as 'Available for Sale', is amortised over the remaining period to maturity on constant yield basis and straight line basis respectively. Quoted investments are valued based on the trades/quotes on the recognised stock exchanges, subsidiary general ledger account transactions, price list of RBI or prices declared by Primary Dealers Association of India jointly with Fixed Income Money Market and Derivatives Association (FIMMDA), periodically.
The market/fair value of unquoted government securities which are in the nature of Statutory Liquidity Ratio (SLR) securities included in the 'Available for Sale' and 'Held for Trading' categories is as per the rates published by FIMMDA. The valuation of other unquoted fixed income securities, including Pass Through Certificates, wherever linked to the Yield-to-Maturity (YTM) rates, is computed with a mark-up (reflecting associated credit risk) over the YTM rates for government securities published by FIMMDA.
Unquoted equity shares are valued at the break-up value, if the latest balance sheet is available, or at Rs. 1,as per RBI guidelines.
Securities are valued scrip-wise. Debrciation/apbrciation on securities, other than those acquired by way of conversion of outstanding loans, is aggregated for each category. Net apbrciation in each category, if any, being unrealised, is ignored, while net debrciation is provided for. The debrciation on securities acquired by way of conversion of outstanding loans is fully provided for. Non-performing investments are identified based on the RBI guidelines.
Debrciation on equity shares acquired and held by the Bank under SDR scheme is provided over a period of four calendar quarters from the date of conversion of debt into equity in accordance with the RBI guidelines.
4. Treasury bills, commercial papers and certificate of deposits being discounted instruments, are valued at carrying cost.
5. The units of mutual funds are valued at the latest repurchase price/net asset value declared by the mutual fund.
6. Costs including brokerage and commission pertaining to investments, paid at the time of acquisition, are charged to the profit and loss account. Cost of investments is computed based on the First-In-First-Out (FIFO) method.
7. Equity investments in subsidiaries/joint ventures are categorised as 'Held to Maturity' in accordance with RBI guidelines. The Bank assesses these investments for any permanent diminution in value and appropriate provisions are made.
8. Profit/loss on sale of investments in the 'Held to Maturity' category is recognised in the profit and loss account and profit is thereafter appropriated (net of applicable taxes and statutory reserve requirements) to Capital Reserve. Profit/loss on sale of investments in 'Available for Sale' and 'Held for Trading' categories is recognised in the profit and loss account.
9. Market repurchase and reverse repurchase transactions are accounted for as borrowing and lending transactions respectively in accordance with the extant RBI guidelines. The transactions with RBI under Liquidity Adjustment Facility (LAF) are accounted for as borrowing and lending transactions.
10. Broken period interest (the amount of interest from the brvious interest payment date till the date of purchase/ sale of instruments) on debt instruments is treated as a revenue item.
11. At the end of each reporting period, security receipts issued by the asset reconstruction companies are valued in accordance with the guidelines applicable to such instruments, brscribed by RBI from time to time. Accordingly, in cases where the cash flows from security receipts issued by the asset reconstruction companies are limited to the actual realisation of the financial assets assigned to the instruments in the concerned scheme, the Bank reckons the net asset value obtained from the asset reconstruction company from time to time, for valuation of such investments at each reporting period end. The security receipts which are outstanding and not redeemed as at the end of the resolution period are treated as loss assets and are fully provided for.
12. The Bank follows trade date method of accounting for purchase and sale of investments, except for government of India and state government securities where settlement date method of accounting is followed in accordance with RBI guidelines.
13. The Bank undertakes short sale transactions in dated central government securities in accordance with RBI guidelines. The short positions are categorised under HFT category and are marked to market. The mark-to market loss is charged to profit and loss account and gain, if any, is ignored as per RBI guidelines.
3. Provision/write-offs on loans and other credit facilities
The Bank classifies its loans and investments, including at overseas branches and overdues arising from crystallised derivative contracts, into performing and NPAs in accordance with RBI guidelines. Loans and advances held at the overseas branches that are identified as impaired as per host country regulations for reasons other than record of recovery, but which are standard as per the extant RBI guidelines, are classified as NPAs to the extent of amount outstanding in the host country. Further, NPAs are classified into sub-standard, doubtful and loss assets based on the criteria stipulated by RBI.
In the case of corporate loans and advances, provisions are made for sub-standard and doubtful assets at rates brscribed by RBI. Loss assets and the unsecured portion of doubtful assets are provided/written-off as per the extant RBI guidelines. For loans and advances booked in overseas branches, which are standard as per the extant RBI guidelines but are classified as NPAs based on host country guidelines, provisions are made as per the host country regulations. For loans and advances booked in overseas branches, which are NPAs as per the extant RBI guidelines and as per host country guidelines, provisions are made at the higher of the provisions required under
RBI regulations and host country regulations. Provisions on homogeneous retail loans and advances, subject to minimum provisioning requirements of RBI, are assessed at a borrower level, on the basis of the ageing of the loans in the non-performing category. In respect of loans classified as fraud, the entire amount, without considering the value of security, is provided for over a period of four quarters starting from the quarter in which fraud has been detected. In accounts where there has been delay in reporting the fraud to the RBI, the entire amount is provided immediately. In respect of borrowers classified as non-cooperative borrowers, willful defaulters and NPAs covered under distressed assets framework of RBI, the Bank makes accelerated provisions as per extant RBI guidelines.
The Bank holds specific provisions against non-performing loans and advances and against certain performing loans and advances in accordance with RBI directions. The Bank also holds provisions on loans under SDR scheme of RBI. The assessment of incremental specific provisions is made after taking into consideration the existing specific provision held. The specific provisions on retail loans and advances held by the Bank are higher than the minimum regulatory requirements.
a) Provision due to diminution in the fair value of restructured/rescheduled loans and advances is made in accordance with the applicable RBI guidelines.
In respect of non-performing loans and advances accounts subjected to restructuring, the account is upgraded to standard only after the specified period i.e. a period of one year after the date when first payment of interest or of principal, whichever is later, falls due, subject to satisfactory performance of the account during the period.
A standard restructured loan is upgraded to the standard category when satisfactory payment performance is evidenced during the specified period and after the loan reverts to the normal level of standard asset provisions/ risk weights.
b) Amounts recovered against debts written-off in earlier years and provisions no longer considered necessary in the context o f t h e current status o f t he borrower are recognised in the profit and loss account.
c) The Bank maintains general provision on performing loans and advances in accordance with the RBI guidelines, including provisions on loans to borrowers having unhedged foreign currency exposure, provision on exposures to step-down subsidiaries of Indian companies and floating provision taken over from erstwhile Bank of Rajasthan upon amalgamation. For performing loans and advances in overseas branches, the general provision is made at higher of host country regulations requirement and RBI requirement.
d) In addition to the provisions required to be held according to the asset classification status, provisions are held for individual country exposures including indirect country risk (other than for home country exposure).
The countries are categorised into seven risk categories namely insignificant, low, moderately low, moderate, moderately high, high and very high, and provisioning is made on exposures exceeding 180 days on a graded scale ranging from 0.25% to 25%. For exposures with contractual maturity of less than 180 days, provision is required to be held at 25% of the rates applicable to exposures exceeding 180 days. The indirect exposure is reckoned at 50% of the exposure. If the country exposure (net) o f t h e Bank in respect of each country does not exceed 1% of the total funded assets, no provision is required on such country exposure.
4. Transfer and servicing of assets
The Bank transfers commercial and consumer loans through securitisation transactions. The transferred loans are de-recognised and gains/losses are accounted for, only if the Bank surrenders the rights to benefits specified in the underlying securitised loan contract. Recourse and servicing obligations are accounted for net of provisions.
In accordance with the RBI guidelines for securitisation of standard assets, with effect from February 1, 2006, the Bank accounts for any loss arising from securitisation immediately at the time of sale and the profit/brmium arising from securitisation is amortised over the life of the securities issued or to be issued by the special purpose vehicle to which the assets are sold. With effect from May 7, 2012, the RBI guidelines require the profit/brmium arising from securitisation to be amortised over the life of the transaction based on the method brscribed in the guidelines.
In the case of loans sold to an asset reconstruction company, the excess provision is not reversed but is utilised to meet the shortfall/loss on account of sale of other financial assets to securitisation company (SC)/reconstruction company (RC) in accordance with RBI guideline dated July 13,2005. With effect from February 26,2014, in accordance with RBI guidelines, in case of non-performing loans sold to SCs/RCs, the Bank reverses the excess provision in profit and loss account in the year in which amounts are received.
5. Fixed assets and debrciation
Fixed assets are carried at cost and include amounts added on revaluation of brmises, less accumulated debrciation and impairment, if any. Cost includes freight, duties, taxes and incidental expenses related to the acquisition and installation o f t h e asset. Debrciation is charged over the estimated useful life of a fixed asset on a straight-line basis.
The useful lives of the groups of fixed assets, are given below.
Asset Useful life
Premises owned by the Bank :60 years
Leased assets and improvements to leasehold brmises: 60 years or lease period whichever is lower
ATMs1: 8 years
Plantand machinery 1 (including office equipment) :10 years
Computers: 3 years
Furniture and fixtures1 : 6 years, 8 months
Motor vehicles1 :5 years
Others (including software and system development expenses)1: 4 years
1. The useful life of assets is based on historical experience of the Bank, which is different from the useful life as brscribed in Schedule II to the Companies Act, 2013.
a) Assets purchased/sold during the year are debrciated on a pro-rata basis for the actual number of days the asset has been put to use.
b) Items costing upto Rs.5,000/- are debrciated fully over a period of 12 months from the date of purchase.
c) Assets at residences of Bank's employees are debrciated over the estimated useful life of 5 years.
d) In case of revalued/impaired assets, debrciation is provided over the remaining useful life of the assets with reference to revised asset values.
e) The profit on sale of brmises is appropriated to capital reserve, net of transfer to statutory reserve and taxes, in accordance with RBI guidelines.
6. Transactions involving foreign exchange
Foreign currency income and expenditure items of domestic operations are translated at the exchange rates brvailing on the date of the transaction. Income and expenditure items of integral foreign operations (rebrsentative offices) are translated at daily closing rates, and income and expenditure items of non-integral foreign operations (foreign branches and offshore banking units) are translated at quarterly average closing rates.
Monetary foreign currency assets and liabilities of domestic and integral foreign operations are translated at closing exchange rates notified by Foreign Exchange Dealers' Association of India (FEDAI) relevant to the balance sheet date and the resulting gains/losses are included in the profit and loss account.
Both monetary and non-monetary foreign currency assets and liabilities of non-integral foreign operations are translated relevant to closing exchange rates notified by FEDAI at the balance sheet date and the resulting gains/ losses from exchange differences are accumulated in the foreign currency translation reserve until the disposal of the net investment in the non-integral foreign operations. On the disposal/partial disposal of a non-integral foreign operation, the cumulative/proportionate amount of the exchange differences which has been accumulated in the foreign currency translation reserve and which relates to that operation are recognised as income or expenses in the same period in which the gain or loss on disposal is recognised.
The brmium or discount arising on inception of forward exchange contracts that are entered into to establish the amount of reporting currency required or available at the settlement date of a transaction is amortised over the life of the contract. All other outstanding forward exchange contracts are revalued based on the exchange rates notified by FEDAI for specified maturities and at interpolated rates for contracts of interim maturities. The contracts of longer maturities where exchange rates are not notified by FEDAI are revalued based on the forward exchange rates implied by the swap curves in respective currencies. The resultant gains or losses are recognised in the profit and loss account.
Contingent liabilities on account of guarantees, endorsements and other obligations denominated in foreign currencies are disclosed at the closing exchange rates notified by FEDAI relevant to the balance sheet date.
7. Accounting for derivative contracts
The Bank enters into derivative contracts such as foreign currency options, interest rate and currency swaps, credit default swaps and cross currency interest rate swaps.
The swap contracts entered to hedge on-balance sheet assets and liabilities are structured such that they bear an opposite and offsetting impact with the underlying on-balance sheet items. The impact of such derivative instruments is correlated with the movement of underlying assets and liabilities and accounted pursuant to the principles of hedge accounting. Hedge swaps are accounted for on an accrual basis and are not marked to market unless their underlying transaction is marked to market.
Foreign currency and rupee derivative contracts entered into for trading purposes are marked to market and the resulting gain or loss (net of provisions, if any) is accounted for in the profit and loss account. Pursuant to RBI guidelines, any receivables under derivative contracts which remain overdue for more than 90 days and mark-to- market gains on other derivative contracts with the same counter-parties are reversed through profit and loss account.
8. Employee Stock Option Scheme (ESOS)
The Employees Stock Option Scheme (the Scheme) provides for grant of options on the Bank's equity shares to wholetime directors and employees of the Bank and its subsidiaries. The Scheme provides that employees are granted an option to subscribe to equity shares of the Bank that vest in a graded manner. The options may be exercised within a specified period. The Bank follows the intrinsic value method to account for its stock-based employee compensation plans. Compensation cost is measured as the excess, if any, of the fair market price of the underlying stock over the exercise price on the grant date and amortised over the vesting period. The fair market price is the latest closing price, immediately prior to the grant date, which is generally the date of the meeting of the Board Governance, Remuneration & Nomination Committee in which the options are granted, on the stock exchange on which the shares of the Bank are listed. If the shares are listed on more than one stock exchange, then the stock exchange where there is highest trading volume on the said date is considered.
9. Employee Benefits
The Bank pays gratuity, a defined benefit plan, to employees who retire or resign after a minimum brscribed period of continuous service and in case of employees at overseas locations as per the rules in force in the respective countries. The Bank makes contribution to a trust which administers the funds on its own account or through insurance companies.
The actuarial gains or losses arising during the year are recognised in the profit and loss account.
Actuarial valuation of the gratuity liability is determined by an actuary appointed by the Bank. Actuarial valuation of gratuity liability is determined based on certain assumptions regarding rate of interest, salary growth, mortality and staff attrition as per the projected unit credit method.
Superannuation Fund and National Pension Scheme
The Bank contributes 15.00% of the total annual basic salary of certain employees to superannuation funds, a defined contribution plan, managed and administered by insurance companies. Further, the Bank contributes 10.00% of the total basic salary of certain employees to National Pension Scheme (NPS), a defined contribution plan, which is managed and administered by pension fund management companies. The Bank also gives an option to its employees allowing them to receive the amount in lieu of such contributions along with their monthly salary during their employment.
The amounts so contributed/paid by the Bank to the superannuation fund and NPS or to employee during the year are recognised in the profit and loss account.
The Bank provides for pension, a defined benefit plan covering eligible employees of erstwhile Bank of Madura, erstwhile Sangli Bank and erstwhile Bank of Rajasthan. The Bank makes contribution to a trust which administers the funds on its own account or through insurance companies. The plan provides for pension payment including dearness relief on a monthly basis to these employees on their retirement based on the respective employee's years of service with the Bank and applicable salary.
Actuarial valuation of the pension liability is determined by an actuary appointed by the Bank. Actuarial valuation of pension liability is calculated based on certain assumptions regarding rate of interest, salary growth, mortality and staff attrition as per the projected unit credit method.
Employees covered by the pension plan are not eligible for employer's contribution under the provident fund plan.
Provident Fund
The Bank is statutorily required to maintain a provident fund, a defined benefit plan, as a part of retirement benefits to its employees. Each employee contributes a certain percentage of his or her basic salary and the Bank contributes an equal amount for eligible employees. The Bank makes contribution as required by The Employees' Provident Funds and Miscellaneous Provisions Act, 1952 to Employees' Pension Scheme administered by the Regional Provident Fund Commissioner. The Bank makes balance contributions to a fund administered by trustees. The funds are invested according to the rules brscribed by the Government of India.
Actuarial valuation for the interest rate guarantee on the provident fund balances is determined by an actuary appointed by the Bank.
The overseas branches of the Bank and its eligible employees contribute a certain percentage of their salary towards respective government schemes as per local regulatory guidelines. The contribution made by the overseas branches is recognised in profit and loss account at the time of contribution.
Leave encashment
The Bank provides for leave encashment benefit based on actuarial valuation conducted by an independent actuary.
10. Income Taxes
Income tax expense is the aggregate amount of current tax and deferred tax expense incurred by the Bank. The current tax expense and deferred tax expense is determined in accordance with the provisions of the Income Tax Act, 1961 and as per Accounting Standard 22 - Accounting for Taxes on Income respectively. Deferred tax adjustments comprise changes in the deferred tax assets or liabilities during the year. Deferred tax assets and liabilities are recognised by considering the impact of timing differences between taxable income and accounting income for
the current year, and carry forward losses. Deferred tax assets and liabilities are measured using tax rates and tax laws that have been enacted or substantively enacted at the balance sheet date. The impact of changes in deferred tax assets and liabilities is recognised in the profit and loss account. Deferred tax assets are recognised and reassessed at each reporting date, based upon management's judgement as to whether their realisation is considered as reasonably/virtually certain.
11. Impairment of Assets
The immovable fixed assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. An asset is treated as impaired when its carrying amount exceeds its recoverable amount. The impairment is recognised by debiting the profit and loss account and is measured as the amount by which the carrying amount of the impaired assets exceeds their recoverable value.
12. Provisions, contingent liabilities and contingent assets
The Bank estimates the probability of any loss that might be incurred on outcome of contingencies on the basis of information available up to the date on which the financial statements are brpared. A provision is recognised when an enterprise has a brsent obligation as a result of a past event and it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made. Provisions are determined based on management estimates of amounts required to settle the obligation at the balance sheet date, supplemented by experience of similar transactions. These are reviewed at each balance sheet date and adjusted to reflect the current management estimates. In cases where the available information indicates that the loss on the contingency is reasonably possible but the amount of loss cannot be reasonably estimated, a disclosure to this effect is made in the financial statements. In case of remote possibility neither provision nor disclosure is made in the financial statements.
The Bank does not account for or disclose contingent assets, if any.
The Bank estimates the probability of redemption of customer loyalty reward points using an actuarial method by employing an independent actuary and accordingly makes provision for these reward points. Actuarial valuation is determined based on certain assumptions regarding mortality rate, discount rate, cancellation rate and redemption rate.
13. Earnings per share (EPS)
Basic and diluted earnings per share are computed in accordance with Accounting Standard 20 - Earnings per share.
Basic earnings per share is calculated by dividing the net profit or loss after tax for the year attributable to equity shareholders by the weighted average number of equity shares outstanding during the year.
Diluted earnings per share reflect the potential dilution that could occur if contracts to issue equity shares were exercised or converted during the year. Diluted earnings per equity share is computed using the weighted average number of equity shares and dilutive potential equity shares outstanding during the year, except where the results are anti-dilutive.
14. Lease transactions
Lease payments for assets taken on operating lease are recognised as an expense in the profit and loss account over the lease term on straight line basis.
15. Cash and cash equivalents
Cash and cash equivalents include cash in hand, balances with RBI, balances with other banks and money at call and short notice.
The following additional disclosures have been made taking into account the requirements of Accounting Standards (ASs) and Reserve Bank of India (RBI) guidelines in this regard.
1. Preference shares
Certain government securities amounting to Rs. 3,189.8 million at March 31, 2016 (March 31, 2015: Rs. 3,088.6 million) have been earmarked against redemption of brference shares issued by the Bank, which fall due for redemption on April 20, 2018, as per the original terms of the issue.
2. Subordinated debt
During the year ended March 31, 2016, the Bank has not raised subordinated debt qualifying for Tier-2 capital (March 31, 2015: Nil).
3. Sales and transfers of securities to / from Held to Maturity (HTM) category
During the year ended March 31, 2016 the value of sales and transfers of securities to/from HTM category (excluding one-time transfer of securities to/from HTM category with the approval of Board of Directors permitted to be undertaken by banks at the beginning o f t h e accounting year, sale to RBI under br-announced Open Market Operation auctions and repurchase of Government securities by Government of India) had exceeded 5% of the book value of the investments held in HTM category at the beginning of the year. The market value of investments held in the HTM category was Rs. 999,326.82 million at March 31, 2016 which includes investments in subsidiaries/joint ventures carried at cost.
4. CBLO transactions
Collateralised Borrowing and Lending Obligation (CBLO) is a discounted money market instrument, established by The Clearing Corporation of India Limited (CCIL) and approved by RBI, which involves secured borrowings and lending transactions. At March 31, 2016, the Bank had no outstanding borrowings (March 31, 2015: Nil) and no outstanding lending (March 31, 2015: Nil) in the form of CBLO. The amortised book value of securities given as collateral by the Bank to CCIL for availing the CBLO facility was Rs. 68,296.0 million at March 31, 2016 (March 31, 2015: Rs. 84,853.6 million).
5. Provision on standard assets
Standard assets provision amounting to Rs. 2,970.1 million was made during the year ended March 31, 2016 (March 31, 2015: Rs.3,847.9 million) as per applicable RBI guidelines.
The provision on standard assets (including incremental provision on unhedged foreign currency exposure (UFCE)) held by the Bank at March 31, 2016 was Rs. 26,583.4 million (March 31, 2015: Rs. 23,336.0 million). The Bank assesses the unhedged foreign currency exposures of the borrowers through its credit appraisal and internal ratings process. The Bank also undertakes reviews of such exposures through thematic reviews by Risk Committee based on market developments evaluating the impact of exchange rate fluctuations on the Bank's portfolio, portfolio specific reviews by the RMG and scenario-based stress testing approach as detailed in the Internal Capital Adequacy Assessment Process (ICAAP). In addition, a periodic review of the forex exposures of the borrowers' having significant external commercial borrowings is conducted by RMG.
RBI, through its circular dated January 15, 2014 had advised banks to create incremental provision on advances to borrowers with UFCE. Incremental provision of Rs. 100.0 million was made against borrowers with UFCE during the year (March 31, 2015: Rs. 1,750.0 million).
The Bank held incremental capital of Rs. 5,580.0 million at March 31,2016 on UFCE (March 31, 2015: Rs. 4,050.0 million).
6. Provision Coverage Ratio
The provision coverage ratio of the Bank at March 31, 2016 computed as per the extant RBI guidelines is 50.6% (March 31, 2015: 58.6%).
7. Provision on Funded Interest Term Loan
In 2008, RBI issued guidelines on debt restructuring, which also covered the treatment of funded interest in cases of debt restructuring, that is, instances where interest for a certain period was funded by a Funded Interest Term Loan (FITL) which was then repaid based on a contracted maturity schedule. In line with these guidelines, the Bank was providing fully for any interest income which was funded through a FITL for cases restructured subsequent to the issuance of the guideline. However, during the year ended March 31, 2015, RBI required similar treatment of outstanding FITL pertaining to cases restructured prior to the 2008 guidelines which were not yet repaid. In view of the above, and since this item relates to prior years, the Bank had with the approval of the RBI debited its reserves by Rs. 9,291.6 million to fully provide outstanding FITLs pertaining to restructurings prior to the issuance of the guideline in the quarter ended March 31, 2015 as against over three quarters permitted by RBI.
8. Floating provision
The Bank holds floating provision of Rs. 1.9 million at March 31, 2016 (March 31, 2015: Rs. 1.9 million) taken over from erstwhile Bank of Rajasthan on amalgamation.
9. Factoring business
At March 31, 2016, the outstanding receivables acquired by the Bank under factoring business were Rs.4,290.6 million (March 31, 2015: Rs. 3,737.6).
10. Details of Single Borrower Limit and Borrower Group Limit exceeded by the Bank
During the year ended March 31,2016, the Bank complied with the RBI guidelines on single borrower and borrower group limit. As per the exposure limits permitted under the extant RBI regulation, the Bank with the approval of the Board of Directors can enhance exposure to a single borrower or borrower group by a further 5.0% of capital funds.
In accordance with the guidelines issued by RBI, with the prior approval of the Board of Directors, the Bank had taken additional exposure to Reliance Industries Limited during the year. At March 31, 2016, the exposure to Reliance Industries Limited as a percentage of capital funds was 14.6% and was within the prudential exposure limit.
During the year ended March 31,2015, the Bank complied with the RBI guidelines on single borrower and borrower group limit.
11. Unsecured advances against intangible assets
The Bank has not made advances against intangible collaterals of the borrowers, which are classified as 'unsecured' in its financial statements at March 31, 2016 (March 31, 2015: Nil) and the estimated value of the intangible collaterals was Nil at March 31, 2016 (March 31, 2015: Nil).
12. Provisions for income tax
The provision for income tax (including deferred tax) for the year ended March 31, 2016 amounted to Rs. 24,694.3 million (March 31,2015: Rs. 46,395.7 million).
The Bank has a combrhensive system of maintenance of information and documents required by transfer pricing legislation under section 92-92F of the Income Tax Act, 1961. The Bank is of the opinion that all transactions with international related parties and specified transactions with domestic related parties are primarily at arm's length so that the above legislation does not have material impact on the financial statements.
13. Dividend distribution tax
Dividend received from Indian subsidiaries, on which dividend distribution tax has been paid by them and dividend received from offshore subsidiaries, on which tax has been paid under section 115BBD of the Income Tax Act, 1961, has been reduced from dividend to be distributed by the Bank for the purpose of computation of dividend distribution tax as per section 115-0 of the Income Tax Act, 1961.
14. Small and micro enterprises
Under the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006 which came into force from October 2, 2006, certain disclosures are required to be made relating to enterprises covered under the Act. During the year ended March 31, 2016, the amount paid after the due date to vendors registered under the MSMED Act, 2006 was Rs. 0.4 million (March 31, 2015: Rs. 4.7 million). An amount of Rs. 0.01 million (March 31, 2015: Rs. 0.06 million) has been charged to profit & loss account towards payment of interest on these delayed payments.
15. Penalties/fines imposed by RBI and other banking regulatory bodies
The penalty imposed by RBI and other banking regulatory bodies during the year ended March 31, 2016 was Nil (March 31, 2015: Rs. 10.4 million).
16. Drawdown from reserves
The Bank has not drawn down any amount from Investment Reserve Account (March 31, 2015: Rs. 1,270.0 million) in accordance with provisions of RBI guidelines on 'Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by banks'.
17. Investor Education and Protection Fund
The unclaimed dividend amount due to be transferred to the Investor Education and Protection Fund in FY2016 has been transferred without any delay.
18. Comparative figures
Figures of the brvious year have been re-grouped to conform to the current year brsentation.
As per our Report of even date.
For B S R & Co. LLP
Chartered Accountants
ICAI Firm Registration
no.: 101248W/W-100022
Venkataramanan Vishwanath
Membership no.: 113156
For and on behalf of the Board of Directors
M. K. Sharma Chairman
Dileep Choksi Director
Chanda Kochhar Managing Director & CEO
N. S. Kannan Executive Director
K. Ramkumar Executive Director
Rajiv Sabharwal Executive Director
Vishakha Mulye Executive Director
Place : Mumbai
Date : April 29, 2016
P. Sanker Senior General Manager (Legal) & Company Secretary
Rakesh Jha Chief Financial Officer
Ajay Mittal Chief Accountant


text:
|attached to Cracker-Size Satellites To Launch With Endeavour
|Safe deposit box?
|attached to Dropbox Can't See Your Dat– Er, Never Mind
|Re:What does that even mean?
|attached to Universe 250+ Times Bigger Than What Is Observable
|Re:stone cold dead tool
|attached to Do Tools Ever 'Die?'
|If this works...
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|Re:Big Data Need
|attached to The Big Promise of 'Big Data'
|72pt comic sans
|attached to Facebook Post Juror Gets Fined, Removed, Assigned Homework
|Ever heard of Tempest? Covert timing channels?
|Seriously, if you want to keep a secret...
|attached to UVB-76 Explained
|Re:Then the question is finally answered:
|attached to Viruses Tapped To Create Spray-On Batteries
|Edlin (Grr....)
|attached to 'Retro Programming' Teaches Using 1980s Machines
|Money laundering
|attached to Apple Exec Stashed $150,000 In Shoe Boxes
|attached to Nokia Siemens Sued For Providing Monitoring Equipment To Iran
|attached to 'u' — the First Authentic Klingon Opera On Earth
|Educational fair use
|attached to FBI Instructs Wikipedia To Drop FBI Seal
|Hey.... not a chance, populist lackey!
|attached to Louisiana, Intelligent Design, and Science Classes
|Dorkspex (tm)
|attached to Does Anyone Really Prefer Glossy Screens?
|Old science. What does this add?
|attached to Given Truth, the Misinformed Believe Lies More
|Computers vs. books
|Nicel fallacy.
|attached to Do Home Computers Help Or Hinder Education?
|Laissez-Faire? Small government? Tea Party?
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You are in a maze of UUCP connections, all alike.

subset: commoncrawl


text:
There have been job cuts at the BBC, but surely sleeping in your boss's office is too much? The corporation's new head of comedy, Mark Freeland, was disturbed to discover, upon his arrival, that a mystery colleague was bedding down each night beside his desk.
"It got ridiculous: the blinds were down, the television was turned round and there were crisp packets on the floor," says Freeland. "Someone was living in my office overnight! I came within a whisker of hiding in the cupboard because I became really obsessed about who it was.
"But then I thought that a month into my tenure here, if someone found me in a cupboard, it could be construed as a nervous breakdown. So I didn't." A human resources task force was summoned to evict the phantom kipper.
Blairs walk with the animals at Branson's safari reserve
Just what every statesman needs to relax: a retreat to a luxury lodge in the African bush. Ah: the days of sunshine punctuated by big game; the raucous night-time soundtrack of mating bullfrogs; the dry wind blowing red dust in your eyes; the pink-bottomed baboons staring you out at meal times.
Tony Blair has taken a short break from earning loadsa money. He and Cherie have just returned from a week holidaying as guests of Sir Richard Branson at his game reserve bordering South Africa's Kruger National Park.
The Virgin boss's secluded Ulusaba five-star lodges and intimate safaris – in open-sided 4x4s or by foot – are known for their viewing of the "Big Five". The actor Christian Slater is a fan.
The all-inclusive stays include waking before dawn for the day's first game drive, hearty meals, swimming in pools and floodlit tennis.
Earlier this week, Cherie looked suntanned and radiant – see left; she must have used the Aroma Boma spa – at a dinner honouring Oya Talat, wife of the Turkish Cypriot leader, Mehmet Ali Talat.
Fellow diners at Kensington's Bombay Brasserie curry house included Bianca Jagger and the US television interviewer Daphne Barak. Cherie chattered about the Blairs' holiday.
"She was telling everyone what a magical time she had at the reserve," I'm told. "She was surprised by how much Tony enjoyed the safari because he is so restless. They got up at half four every morning to see the animals, but she was refreshed and had a new hairdo."
Ding, Dong! New Gielgud play steams the specs
The more delicate punters heading to the opening of Plague Over England might pack the ammonium salts. The play, about Sir John Gielgud's persecution following his 1953 arrest in a public convenience, penned by the West End warlord and London Evening Standard critic Nicholas "Ding Dong" de Jongh, has "the most blazing gay sex scene".
Explains a bug-eyed fellow on the front row at Fulham's Finborough Theatre: "These two young men strip each other and make love in their white underpants – snogging and full-on groping. Outrageous!
He adds: "They were intimately grappling three feet away from us; they couldn't fake it. It was as near to the knife as it possibly could be."
The two actors, Leon Ockenden and Robin Whiting could be found after the performance in the bar, each hanging off the arm of a beautiful woman. Perhaps they didn't enjoy it as much as they seemed to.
Gary's own goal?
Might Gary Lineker's pearly grin be slipping slightly? The BBC presenter has good-heartedly agreed to be interviewed at Cancer Research UK's Sporting Turn The Tables lunch on 24 April. The ex-England prop Gareth Chilcott will fill the interviewer's chair.
The organisers have asked Pandora readers to submit questions for Lineker; the best one will be asked, and win a bottle of fizz. My inbox strains.
"Gary, given the choice, what would be your favourite type of ear, sticky-out or cauliflower?" asks Steve Dodding, of Peterborough. "Ask him about the red and blue highlights his ex-wife Michelle wove into his pubes for an England game," suggests Woking's "Denise".
"Have you really led such an innocent life?" asks Tom Saunders, London.
Keep 'em coming! Email at the top.
A steady half
You can't say it's an unglamorous life: David Cameron pops up in Bolton, opening the refurbished Tonge and Breightmet Conservative Club. The Tory leader seems not to share the appetite of his predecessor William Hague, who boasted of drinking 14 pints a day. Dave treated himself to a half pint of John Smith's, which he sipped. The battle-hardened northerners were chuffed; no audible mutters of "southern jessie" spoiled proceedings.
* Tory MP Greg Hands points out: Gordon Brown hasn't uttered the words "Ken Livingstone" in Parliament in 19 years. The PM refuses to endorse his party's candidate for London mayor, says Hands. Fortuitously, Ken stars at Labour's spring conference in Birmingham this afternoon. Brown has a regional visit. No excuse not to share a big hug on stage!Reuse content


text:
JOIN the world's largest horse forum! Chat and learn from other experts about horse training, breeding, health, showing, riding, contests and use our free horse classifieds. Register Here
Best state/area to raise horses and kids
Discussion in 'Horse Chat' started by Botwentyone, Jul 23, 2008.
Page 1 of 2
Page 1 of 2


text:
Today im gonna tell you how to validate a dropdownlist
Suppose if you want to validate a dropdownlist where you want that if the user doesnt select any value he/she should get an error message .This is how you can validate it.
Her i want that user must select a country from the dropdownlist else he/she would get an error message
Select a Country:
<asp:DropDownList ID="ddl_Country" runat="server" align="left" Width="250px" ></asp:DropDownList>
<asp:RequiredFieldValidator ID="rfvddl_Country" runat="server" Display="Static" ErrorMessage="Select a country!" ControlToValidate="ddl_Country" InitialValue="-1"></asp:RequiredFieldValidator>
This how i'm binding the data in the code behind.
private void PopulateCountries() { CountryCollection countries = new CountryCollection(); ddl_Country.DataSource = countries.FindAll(); ddl_Country.DataTextField = "CountryName"; ddl_Country.DataValueField = "CountryID";
ddl_Country.Items.Insert(0,new ListItem("Select Country","-1")); }
If you will not select any country you will get an error message "Select a country".
Hope it will be of some help.
What kind of email newsletter would you prefer to receive from CodeAsp.Net?


text:
The Horse Forum (http://www.horseforum.com/forumindex.php)
- Art Requests (http://www.horseforum.com/art-requests/)
- - Any drawing requests? :) (http://www.horseforum.com/art-requests/any-drawing-requests-73645/)
Any drawing requests? :)
Soo im really bored & ive spent the day drawing peoples horses.
any of you guys want me to draw your horses? :) heres a few that ive done today & recently.
1 Attachment(s)
Wow! Those are really good! Here is a picture of Dozer and Bart, if the angle is weird then let me know and I can get you a different picture :)
Thank you :) i'll give it a go
Sorry its not great.
if you dont like it id be more than happy to try another photo :)
2 Attachment(s)
either of these or both. i dont care:D
your an incredible drawer!
I love it! Thanks!
Lildonkey, unfortunately im not great at drawing people but i gave it my best shot.
if youre not happy with it id be happy to try another photo :)
1 Attachment(s)
Me please?
Her name is Tess :D
here you go PintoTess :)
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text: Instapaper Beyond Brings Keyboard Shortcuts to InstapaperWhitson Gordon4/06/10 2:00pmFiled to: DownloadsinstapaperReadingTextWebappsMac OS XFeatured Mac Download5EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Mac only: Previously mentioned web service Instapaper is well-loved, but if you've gotten used to keyboard shortcuts in webapps, userscript Instapaper Beyond will make you love it even more, allowing you to create a site-specific browser (SSB) rife with single keystroke actions. The script only works with previously mentioned Fluid for Mac, unfortunately, meaning that you need to have a Mac and run Instapaper in an SSB if you want the shortcuts—a small price to pay, however, if you already have a Mac and are a keyboard shortcut hound. It has instant, one-key shortcuts for going to your unread, starred, or archive folders, as well as archiving, starring or marking unread selected articles. It also comes with the standard page-navigating shortcuts (like scrolling to the top of the page or going to the next article in the list), and even has built-in Evernote integration, allowing you to clip to Evernote with one keystroke. Hitting the "h" key brings up a HUD-style list of all the shortcuts you can use. To install the userscript, download it, and in your Instapaper SSB, click the script icon in the menu bar. Then hit "New" and copy and paste the contents of the script. Alternatively, you can just drag the downloaded userscript to your ~/Library/Application Support/Fluid/SSB/Instapaper/Userscripts folder, replacing "Instapaper" with whatever you've named your SSB. Advertisement Advertisement Instapaper Beyond is a free download, works with Fluid for Mac OS X only.Instapaper Beyond [via Download Squad]Reply5 repliesLeave a reply


text:
If Andy Reid was hoping to get a close-up look at Matt Barkley throw this month, it looks like he will have to readjust his plans.
The USC quarterback told ESPN radio he does not plan to throw at the NFL Combine, which will be held later in February. Top quarterback draft picks often choose not to throw at the combine and instead wait until their pro day workout.
Teams prefer it when prospects do everything they can at the combine. Barkley may be better served if he throws at the combine. He had a disappointing season in 2012 and he has fallen from a top prospect to a likely second-round pick.
The Chiefs will watch Barkley closely, along with the other top quarterback prospects. The fact that they won't see Barkley throw at the combine may frustrate the team.
Meanwhile, West Virginia quarterback Geno Smith stumped to be the Chiefs' pick in a radio interview.


text:
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In our ongoing efforts to improve the quality and relevance of our publications, we would like to know more about you.


text:
Herb Flecked Fish Terrine
|Sole fillets/Flounder fillets
|8 Ounce
|8 Ounce
|Egg whites
|3 , beaten lightly with a fork
|Heavy cream
|1⁄2 Cup (8 tbs)
|Chopped seafood
|1 Pound (Raw Shrimps, Lobster, Salmon, Or Crab Meat, Choose Two Or More)
|Chopped fresh chives
|1 Tablespoon
|Chopped italian parsley
|1 Tablespoon
|Chopped tarragon
|1 Tablespoon
|Chopped basil
|1 Tablespoon
|Freshly grated nutmeg
|1⁄8 Teaspoon
|Freshly ground white pepper
|To Taste
|Vegetable seasoning
|1 Teaspoon
|1 , cut into 4 wedges (For Garnish)
|Boston lettuce leaves
|4 Large (For Garnish)
Before beginning, everything must be cold, so chill the processor bowl and blade, and an extra bowl, and be sure the mousse ingredients are cold.
Preheat the oven to 225° F.
Lightly butter a 6-inch bat pan, or use a nonstick pan.
Put the sole and scallops in the food processor bowl and puree for 40 seconds with the steel blade.
With the motor running, slowly add the egg whites; this should take 30 seconds.
Then very slowly (over the course of 1 minute) add the cream.
Transfer this mixture to a clean chilled bowl and stir in the diced fish and shellfish, herbs, and seasonings.
Blend well.
Pour into the loaf pan, cover tightly with foil, and place in a slightly larger shallow pan.
Pour enough very hot tap water into the larger pan to come halfway up the sides of the loaf pan.
Bake the terrine for 1 hour.
Let cool completely to room temperature, then chill.
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 1425 Calories from Fat 447
% Daily Value*
Total Fat 51 g78.3%
Saturated Fat 29 g144.9%
Trans Fat 0 g
Cholesterol 1041.5 mg347.2%
Sodium 1145.8 mg47.7%
Total Carbohydrates 33 g11%
Dietary Fiber 5.9 g23.7%
Sugars 2 g
Protein 216 g432.7%
Vitamin A 165.7% Vitamin C 180.2%
Calcium 115.8% Iron 49.9%
*Based on a 2000 Calorie diet


text:
All quotes tagged Devotion
(297 quotes found)
"The north hill is devoted to Paul Klee the musician and teacher, the central hill to the painter and poet and the south hill to the researcher and mathematician."
"Family is the most precious thing I ever have.Because,they are the people who worry about me in my sorrow.So,though I cannot feel happiness of my own life,I would be living for my family,for their happiness until my death."
"Having beliefs about God doesn't require devotion to religion, but beliefs about something that important are worthless in practice, unless their adherents are religiously devoted to them."
"For the most part, he has really devoted himself to being a special player for using and having a great year. We want to take advantage of what guys are capable of and put them in positions to make plays. I think you've seen early in camp here that he is poised to have an excellent year for us."
"If we could see our thoughts, words, and actions as God does, it would be easy to obey the command to 'pray without ceasing.'"
"the man overrun by emotions loves more and loves better than the man with distant emotions. Then again Romeo over there loses a lot if his love fails while the distant emotional man does not. Then again he might have been the Romeo so at least he didn't lose his experience and remained wise. But if he became ignorant well..."
"There is no human love that could amount to the kind you express for me on a daily basis. I could never compare my love to yours, only try to meet you somewhere in the middle!"


text:
Merada Hotel
Find Hotel Rates
Recent Searches
Wego searches multiple travel sites so you can find and compare the best rates.
Merada Hotel Hotel Reviews
Based on reviews from across the web.
Merada Hotel Hotel Details
There are various hotels in the world, which have been the symbols of the country, they are located in. Merada Otel is a prominent institution, which has been identified with Mersin and which has taken an important place in history. Merada Hotel, which has taken a place in memories with unique scenery of nature, and which you can accept as your home in Mediterranean, will be honored to host you all year long with its genial, diligent and hospitable personnel.


text:
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The page you were expecting to see may have been moved to another part of the site. We've carried out an automatic search to help you locate it.
If the page you expected to see is not listed here please use the Contact Us form to leave us some details and we'll get back in touch with you promptly. We're sorry but we cannot answer any queries over the phone.
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A presentation from the Arts and Humanities Annual Conference 2014. Themes of transformation are ...


text:
[Date Index] [Thread Index] [Author Index]
Re: Dimensional analysis package
A package similar in spirit named "Making Dimensionless Models" is at http://library.wolfram.com/infocenter/MathSource/763/ Virgil Stokes wrote: > Information is posted at Wolfram Information on a dimensional analysis > package that was developed by Raya Khanin when she was at Cambridge > University. I have tried to contact her at Cambridge via here email address: > > R.Khanin at damtp.cam.ac.uk > > but, this bounces. I believe that she is now at the University of Glasgow, > > raya at stats.gla.ac.uk > > however, I am still unable to make email contact with her. > > Does anyone have this Mathematica package (DimensionAnalysis) that she > developed? > I would appreciate a copy of it. > > --Thanks, > V. Stokes


text:
Facial wash is one of important thing keep the skin of the face health and look good. This is also...
Tips on How to Moisturize Face Properly
dini savitri
It is important to know how to moisturize face properly in order the skin face looks healthy and y...
Choosing the Best Skin Whitening Products
dini savitri
Since many women expect to have healthy, white and beautiful skin, today, we can find skin whiteni...
Selecting the Safe yet Right Sunscreen for Sensitive Skin
dini savitri
All people have their own skin problem and unique skin condition. That is the reason why a particu...
Selecting the Cheap Beauty Products for the Great Result
dini savitri
There are so many beauty products which we can find at store, both online and offline stores. Ther...
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text:
Searched for: Non-Farm [and] Payroll
Results: 1 to 10 of 209
Results: 1 to 10 of 209
Intraday Market Thought: Signs of Life in the US Dollarby Adam Button | Jul 3, 2014 0:27made a brief appearance on signs of payroll growth Wednesday...might have been shy to react with non-farm payrolls less than 24 hours away but it'....'s not a surprise given the gravity of non-farm payrolls.
Intraday Market Thought: US jobs strong, earnings soft, USD soarsby Ashraf Laidi | Mar 6, 2015 18:25a Fed June or September rate hike as US non-farm payrolls powered ahead with a 295K..
Intraday Market Thought: USD Moves Up with NFP Estimatesby Adam Button | Jan 8, 2014 22:43raised forecasts for Friday's non-farm payrolls report after upbeat ADP.... raised their forecasts for Friday's non-farm payrolls report... the gains ahead of the BOE, ECB and non-farm payrolls.
Intraday Market Thought: Dollar Solid Ahead of NFPby Adam Button | May 6, 2016 0:53EUR/USD sets the stage for Friday's non-farm payrolls report... most trading in the day ahead of non-farm payrolls...The bias ahead of non-farm payrolls is mixed.
Intraday Market Thought: A Closer Look at Friday's Non-Farm Payrollsby Ashraf Laidi | May 8, 2011 22:43crude, case for a miss ahead of the non-farm payrolls report on Friday, needless to..
Intraday Market Thought: Previewing Non-Farm Payrolls in Thin Tradingby Patrik Urban | Apr 6, 2012 12:30
Intraday Market Thought: US Jobs & Draghi's Putby Ashraf Laidi | Jun 6, 2014 17:26US economy shows it has recovered all non-farm jobs lost after the 2008 recession,..
Intraday Market Thought: USD Beyond ECB & NFPby Ashraf Laidi | Nov 4, 2014 14:55week's release of the US October non-farm payrolls report may appear, the..
Intraday Market Thought: NFP 350K?by Ashraf Laidi | Nov 6, 2014 17:01US jobs could deliver a 350,000 rise in non-farm payrolls.
Intraday Market Thought: PPI Reminds Fed, GBP Vol Highest since Sepby Ashraf Laidi | Mar 13, 2015 17:41If last Friday's message from non-farm payrolls was a reminder of a recovering..


text:
My Self: Damaged
My mind: open,
My heart: closed,
My soul: scarred,
My body: yours,
My essence: entwined,
My aura: clear,
My senses: clouded,
My emotions: fear,
My sight: blinded,
My hearing: faded,
My touch: smoothed,
My memories: dated.
© Copyright 2017 TakeMeAsIAm. All rights reserved.
Status: Finished
Genre: True Confessions
Interesting poem, befuddles my mind why people have yet to comment, but all too many never do... I like how you wrote this, I can't really describe what I liked without to much words and sound like a rambler... but Good Job! ;)
Short Story / Romance
Short Story / Romance
Short Story / Romance
Paste the link to picture in the entry below:
Paste the link to Youtube video in the following entry:
Cannot annotate a non-flat selection. Make sure your selection starts and ends within the same node.
An annotation cannot contain another annotation.
There was an error uploading your file.


text:
A fertilizer overdose would more likely result in root
damage and would show up with root fungal problem
including pythium wilt..
The more likely cause is either a pesticide burn or
some environmental problem.
Have you moved recently??? A move of 30 miles (ie,
from a coastal environment to a foothill environment)
would result in having to learn how to grow all over
--- Sandy Connerley <firstname.lastname@example.com>
> Hello,
> Does anyone know if variegated zonal pelargoniums
> take less fertilizer than
> all green zonals? Could that be why the white edged
> leaves sometimes brown
> on the edge? Know they can get that way from too
> much light, but wonder
> about other reasons.
> Does anyone use an EC meter to measure the quantity
> of fertilizer salts in
> the soil?
> Thanks.
> Sandy
Do you Yahoo!?
The New Yahoo! Shopping - with improved product search


text:
B56 Satellite TownShip, Dabgram
Shah Tours specializes in a wide range of customized and fixed departure holiday options for Sikkim, Darjeeling and Bhutan. We also provide air/train bookings, car rental services, hotels bookings and various other travel related services.rnrnWe have qualified professionals who understand todays travelers needs. We arrange tours for FITs/GITs, trekking, rafting, conferences, honeymoon packages, incentive tours etc. Our excellent contacts with all major hotels, airlines means that we are in a position to offer best value for money. Our holiday packages are very attractive and less time consuming. We can also make tailor made itineraries as per your requirements.We cater to all ranges of clientele - from deluxe to budget arrangements, we can plan your vacation to suit your requirement. Nothing can be successful without efficient and personalized services and we take pride in our well-experienced staff who are some of the most talented and committed professionals in the field.
Terms and Conditions | Privacy Policy | Sitemap | Contact Us


text:
Articles tagged stanley kubrick
26 Aug 2016 // 1:30 AM
Originating as a practical means to ensure financial solvency, the "double feature" may now serve a more profound aesthetic purpose.READ more
11 Jul 2016 // 1:15 AM
With its obvious satire of male aggression and its parallel with today's news headlines, why aren't students 'getting' this classic ultimate black comedy?READ more
4 Apr 2013 // 10:45 PM
The walls and the foundations of the bright world of heroes – be they Greek, Celtic or American – are covered in blood, and they will stay red 'forever and ever and ever.'READ more
14 Aug 2011 // 9:00 PM
Mid-way through our series, Day 5 is a glorious mishmash of international auteurist cinema. Today we go from saints and sinners, from Brookyln to Britain, from the beginning of time to the Dystopian future, and around the world and beyond.READ more
31 May 2011 // 4:03 AM
In recognition of his entire career (and the recent release of A Clockwork Orange in a 40th Anniversary Blu-ray Edition), we order Stanley Kubrick's classics, from #11 to #1.READ more
11 Jul 2010 // 8:59 PM
To cope with the heat wave, advisories suggest visiting 'cooling centers' or public pools. To achieve a truly chilled-out state of mind, however, why not open the door to your mind and let the iceman cometh inside?READ more
14 Aug 2008 // 10:00 PM
- //Columns
What the author finds on the bottom end of American pop culture in 1958 is an environment ripe and primed, no matter how subconsciously or keep-it-in-the-family quiet, for the sexual exploitation of youth.READ more
12 May 2008 // 10:00 PM
While the horror classics of 1968 may have indeed revitalized the genre, few today are aware of these movies' impact on the canon...if they acknowledge them at all.READ more
28 May 2007 // 10:00 PM
The serious Science Fiction film genre is dead or at least on cinematic life support. As the new millennial marches forward, and an omnipresent production paradigm that substitutes spectacle for smarts, futurist filmmaking is definitely gasping for breath.READ more
1 Nov 2001 // 2:00 PM
In this light, '2001' and the revolutionary epoch of its making seem a mere Technicolor blip in an otherwise olive drab post-World War II empire.READ more
Ruthie Foster "War Pigs" (video) (premiere) // Music
Big Bad Voodoo Daddy "Dinah" (audio) (premiere) // Music
Rachael Kilgour 'Rabbit in the Road' (album) (premiere) // Music
Depeche Mode "Where's the Revolution" (Singles Going Steady) // Music
'Fire Emblem Heroes' Is a Bad Crossover
// Moving Pixels
"Fire Emblem Heroes desperately and shamelessly wants to monetize our love for these characters, yet it has no idea why we came to love them in the first place.READ the article


text:
23.8" Underwater Kinetics Weatherproof 1122 Loadout Case with Wheels - 8.7" Depth - Empty (06532) or Foam Liner (06522)
- Item #: UK-LC-1122-BK-OPT
- Brand: Underwater Kinetics
Request a Volume Quotation
Battery Junction 30 Day Warranty
Every Order Ships Directly From The United States
Authorized Dealer For All Products Sold
23.8" Underwater Kinetics Weatherproof 1122 Loadoutcase with Wheels - 8.7" Depth
The case business people dream about opening before a big presentation
Powerful and productive, Underwater Kinetics' Weatherproof 1122 Loadoutcase carries the most delicate camera and presentation equipment for the most successful people around the world. With more than 8" of depth, this protective piece of luggage stores valuables with ease, surrounding items with a tough polypropylene resin rated for automobile construction.
Pressure Equalization Valve
In every environment, working professional have instant access to their tools.
Some cases are hard to open because they do not take into account the travel many professional undertake. The pressure equalization valve adjusts to local pressures, ideal for those travel between different altitudes often. These valves regulate air temperature and pressure not only for easy access, but for protection against the elements.Features and Specifications:
- Available Empty or with Foam Liner Insert
- Dimensions:
- Internal Dimensions: 21.8 in x 17.8 in x 10.8 in (55.4 cm x 45.2 cm x 27.4 cm)
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January 2014, TruckingInfo.com - Feature
By Tom Berg and Oliver Patton
Truck owners and manufacturers share responsibility for compliance with new limits on carbon dioxide emissions and fuel economy.
Tags: ATA, GHG, TMC, EPA, Clean Air Act, GHG emissions, NHTSA
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
The expert, Scott Sutarik from Geotab, will answer your questions
The expert, Steve Carlson from Xantrex, will answer your questions
On the Spot: First Impressions of Volvo's SuperTruck
Ultimate Test Drive: New Cascadia Sleeper Lounge [Video]
Ultimate Test Drive: Freightliner's New Cascadia Pt. 2 [Video]
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Rotary Lift Expands Mach Flex Mobile Column Lineup
Sumitomo Offers New Steer, Drive Tires
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TP-8656 Kit Looks for Leaks


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Located on Route 20 in Brimfield, MA, Brimfield Shed is a Craftsman oriented operation that focuses on building smaller sheds and garden items for customers that prefer the look, feel and smell of native New England wood.
Most of the wood used in the construction has been milled locally on a Band Saw mill and is air-dried for 6-12 months before use.
Brimfield Shed builds an assortment of Chicken Coops, Small Sheds and Raised Garden Beds to meet your needs.
Special Offers for 2016
3' x 8' CEDAR RAISED BED @ $99.00 Each
(While Supplies Last)
FREE Bag of composted cow manure with any purchase of Raised Garden Beds, Trellis Frames or Garden Stakes totaling $100.00 or more.
Feel free to call with questions. 413-245-0961
Visit Our Location in Brimfield, MA


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JANOME 920 - 90th anniversary edition
Multifunctional sewing machine
Price ?
JANOME 920 ia a multifunctional and cheap sewing machine with automatic buttonhole and 20 sewing programs (including overlock and decorative stitches). Practical and durable.
Ideal for scrapbooking - technique that allows to decorate photos, postcards, calendars etc.
Main functions:
- fluent regulation of stitch length (max. 4 mm) and width (max. 5 mm)
- sewing backwards
- possibility of sewing with double needle (decorative sewing)
- drop feed
- external thread cutter
- snap-on feet SYSTEM MATIC
- easy threading system
- free arm for circular sewing
- schuttle hook
- solid, metal components
Equipped with:
- standard foot
- zipper foot
- foot for button holes
- foot for straight stitch
- foot for decorative stitches
- needles
- 3 bobbins
- screw
- seam ripper
- seam ripper
- electric cord
5 years warranty.
|Type of control
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|5 mm
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Stastny Plaza Hotel & Golf Resort
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Day 32
... down to Vieux Quebec to start our tour. It is an amazing city full of culture and history and architecture to behold. We ended up eating at a Creperie outside on the terrace next to Chateau Frontenac-- a little pricey for a lunch but seemed fitting while in Quebec City.
The sun was out all day and the city got quite busy. There was some big event at the Seminary bringing ...
Day 31
... At least it wasn't cold. And the cemetery proved a bust in terms of finding and Harvey/Herve ancestors. Denis says the cemetery was trying to tell us we shouldn't be there-- I told him that can't be as it continued to pour long after we left. We stopped again down the road a ways in Montmagny hoping to visit the Accordion Museum. Closed -- only opens Monday-Friday -- go figure. Rain had ...
Oh Canada!...or Poutine and History!
... to French Canada! Oh, and all the traffic signs are in french. And they use kilometers here. Quick! What's 100 KMh mean? Our first stop inside Canada was at Tim Horton's. It wasn't so much for their overly sweet donuts or bad coffee, but for their free wifi. The next two hours were exciting and unlike anything I've ever experienced in North America. You're in a foreign country! This is France without having to fly over that annoying ...
Arrived in Quebec
We had a not so long drive to Quebec City that took longer than it should have. Our major difficulty was the cell phone. Our inexpensive pre-paid cell phones from the US would not work in CA. We stopped at a Walmart over the boarder and bought a new cell phone but had difficulty getting it up and running. Also had difficulty finding wifi to alert our new land ...
Quebec, Je me souviens
... asked about a driving tour outside the city and settled on Chemin du Roy (the King's Road) which was an old road back up river toward Montreal on the north side of the river.
We drove narrow winding roads through some very old well kept homes that have been in continual use since originally built centuries ago. There were beautifully manicured farms between the numerous villages along the way. Every 10 or 15 kilometers we would see the ...


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Two plants in different locations, the second in a more shady spot showing
more broken color.
Sanpete County, Utah
zone 4/5, about 6,000 feet
Note on color: The photo was processed on my Mac, which means that while it
looks right on my screen, it's likely to look a little darker, with more
saturated color, possibly shifted a bit more red, on the typical PC monitor.
This isn't a defect in either type of monitor, just a typical difference.
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American, International, Southern, Seafood
American, International, Southern, Seafood
Restaurant DescriptionBoca Bay Restaurant features Americanized version of the Spanish tapas style of dining in a open casual atmosphere. It's well received by residents and tourists alike. It was the first tapas experience for the Wilmington, Wrightsville Beach area.
Perkeo Wine Bistro
The Lunchbox on 17th
Reviews of Similar Restaurants
American, Burger, Fast Food
this is a very good mid range priced restaurant with fresh food and good service. our party of seven ate for about $100 with dessert. my favorites are the fried calamari and flounder. both were very fresh. I wish I could have tried the keylime pie bu ...
American, Burger, Fast Food
I started going to Parchies after school and it soon became an addiction. The food is amazing. Its a true southern restaurant (you can smell the collards as soon as you walk in the door). One of my favorite restaurants in Wilmington.
American, Burger, Fast Food
Josh the manager on duty was the worse manger I had ever seen. If he is a reflection of the upper managment I understand why this store has so many problems.
American, Burger, Fast Food
My husband and I utilized our $25 coupon from restaurant.com at Boleros Cafe, Wilmington NC. That said, we were satisfied. Had we paid full price for the meal I'd feel differently. Let's start with the positive...the waiter was extremely frien ...
» Read More: Wilmington Restaurant Reviews


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Losing the Promised Land Paperback
Elisha and the Kings of Judah
by John MacArthur;
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Losing the Promised Land
Full Product Description
This new study of the Old Testament from trusted scholar Dr. John MacArthur provides thorough insights into a sometimes little-studied portion of the Bible. A widow watches as her dead son is brought back to life. A man is cured of leprosy by simply dipping himself in a river-while another man is struck by leprosy when he accepts an unwarranted gift. The nation of Judah witnessed great miracles and great failures, as her kings vacillated between serving the Lord and following pagan practices. This was a time of decision for God's people-would they serve the Lord with a whole heart, or divide their loyalty between God and pagan deities? Losing the Promised Land: Elisha and the Kings of Judah takes an in-depth look at this historical period beginning with the first kings of Judah, continuing through the ministry of Elisha, and concluding with the nation's exile. Studies include close-ups of Elisha, Naaman, Elisha's servant Gehazi, and others, as well as careful considerations of doctrinal themes, such as "Renewing God's Word" and "Being Wholehearted for God."
Losing the Promised Land by John MacArthur was published by Thomas Nelson in May 2010. The ISBN for Losing the Promised Land is 9781418536923.
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Details for Losing the Promised Land
|Page last updated
|1st March 2017
|Author / Artist
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This section explores sources of funding to help support your university career. The funding you may be eligible for varies depending on your level of study: foundation, undergraduate or postgraduate. It is worth investigating all possible funding sources well before you arrive.
Follow the links for full details of available financial support for UK, EU, or International students, as well as elibility requirements and instructions for applying:
Contact us
We are always available to advise and guide you. For details on financial support, please contact the Student Funding Team:
Tel: 01326 213744/255159
Email: email@example.com
If you are a current student and have concerns about your finances, please contact the Falmouth & Exeter Students' Union (FXU) Advice Service:
Email: email@example.com
Web: fxu.org.uk
For advice and information about tuition fees, please contact the Finance Office:
Tel: 01326 213778
Email: email@example.com
Useful contacts
Student Loan Company
Information about student loans:
Tel: 0800 405010
Web: slc.co.uk
Information and useful links on student finance, loans and universities:
Web: gov.co.uk
Student finance information on the UCAS website:
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Money Saving Expert
An independent view of what it costs and what the new student finance arrangements mean for you:
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Many national newspapers have education sections that contain useful and unbiased advice or information. The Guardian website is particularly useful:
Web: guardian.co.uk


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|Home > Joanne
♀ Joanne
What does Joanne mean?
Joanne [joanne] as a girls' name is a version of Joanna: variation of Joan. See also Jo.
Joanne▼ has 3 variants: Joann▼, Joeann and Joeanne.
5 more different relations via Joanna: Joana▼, Joanie, Joeanna, Johanna and Johannah.Creative forms:
(female) Jeone, Joanje, ..
(male) Joanah, Joani, .. Middle name pairings:
Joanne Belen (J.B.), ..
How popular is Joanne?
Joanne is a very prominent first name for women (#147 out of 4276, Top 3%) but an uncommon surname for both adults and children. (2000 U.S. Demographics)
Joanne was first listed in 1900-1909 and reached its peak rank of #53 in the U.S. in the 1930s, but is not ranked currently. (Top 2000 Names, 2015)
Which version is better?with its source form and related girl names. Prominent varying forms of Joanne are Jo, Joana, Joanie, Joann, Joanna (#306 a year ago), Joeann, Johanna (#541) and Johannah. Other variants, like Joeanne, are seldom used. These forms of Joanne reached the top of their popularity during the years 1940-1949 (median #906) and are now much less common (#1649, 91% less usage).
Similar Names
Joanne▼ is pronounced similarly to Jaine, Jan▼, Jane▼, Jann, Janne, Jayne▼, Jean▼, Jeane, Jeanne▼, Jenn, Jenne, Joan▼, Joane, Jone, Joyann, Joyanne, June▼ and Zhane▼. Other recommended names are Deanne▼, Hanne, Ioanna, Jaena, Jaina, Jana▼, Janaea, Janah, Janay, Janea, Janee, Janey, Janie▼, Janna▼, Jannae, Jannet, Janny, Jany, Jayme▼, Jayna, Jayni, Jaynie, Jeana, Jeanae, Jeanay, Jeanee, Jeanene, Jeanna, Jenee, Jenie, Jenney, Jinae, Jinee, Jinnea, Joannue, Johnnie▼, Jolanna, Jolene, Joline, Jolyne, Jona, Jonie, Jonna, Jorene, Josanna, Joyanna, Juana, Leanne▼, Luanne▼, Osanne, Ozanne, Rozanne, Tianne, Yoanna, Yolanne, Ysanne and Zoanne. These names tend to be less commonly used than Joanne.See names in meaning and etymology.


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Edited by Beocord - 10/27/13 at 2:53am
- 291 Posts. Joined 7/2012
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Edited by Beocord - 10/27/13 at 2:53am
Thought about bidding on them, but also thought 35 € a bit too high even if they were orthos. Nice to know they turned out ok in the end.
Do the mods, you might just find that the Himans or Aud's are not really an upgrade at all;)
35 € for an old ortho is pretty dear. I think you should try more mods to get the full worth of your money.
Quite enjoy the convolved HOK now. Big step up from what conventional modding could do - though it has to be said that the digital bass boost needed for the HOK to reach the level of my bass-lite HP-50 does distort at higher levels around 100 Hz or so. Still, quite good for lower-volume listening.
No idea why the convolution from one phone to another worked so well here but has failed with some other phones. For sure the channel balance convolution works almost perfectly, so it may have something to do with similarities in pad and baffle-ear chamber dimensions between the target and source. Investigations ongoing, and, as always, carried deep into the morning hours.
Listening to my new'ish yamaha YH-3 and I'm digging the sound but I'm just not the basshead i used to be. won't pass judgment until i have used them for a few more months. Any suggestions for replacement pads? They are worn and I'm sure that's affecting the seal to my ear. I might try to find a new home for them and nice new pads would be a big plus.
Also does anyone know of a good product to clean headphones? I have a growing collection of audio gear and some of the used stuff i get can be outright filthy. Armorall works but i dislike the oily feel and smell it leaves.
Edited to better reflect my thoughts.
You are aware that the general recommendation with those phones is to mod them inside the cups? Though usually the modding aims at reducing bloated bass, so if you prefer the bass as it is, that sort of modding may not be needed.
Someone recommended the Sony V150 pads, but I've not tried them. The Sennheiser HD 25 pads might do as well, but I've not tried them either.
Thanks for the pad suggestion, guess ill have to find a pair and measure them.
MDR30 has experience with V150 pads on the HP-3 (same construction as the YH-3).
Since you edited your post, let me rephrase my response as well.
Put felt into the cups. It flattens out the bass response. Instructions for this are throughout the thread, it's a staple mod.
Oh, and I see you're already selling them. I hope $95 wasn't what you paid, and if it was, you probably won't manage to get it back. Should perhaps mod them and see what they can do for you.
Final pics of the Hosiden DH-80-S.
This is what it looks like with the chrome ring removed. Lid screwed down, and ring in place, it's virtually a closed design.
Original damping was a piece of whitw felt and foam. The foam had disintegrated so I replaced it with two new layers. Originally the Hosiden sounded dull and honky. Did not improve much fully open. I tried a small reflex dot for treble extension and the damping on the picture and the sound became quite nice. The let-down are the pads - vinyl and with a loose fit. Some quick experiments with HP50 pads that was lying around indicated that the right pads could make this a quite enjoyable headphone.
khbaur has an Audio Technica driver that is 150 ohm in his rare ATH-M2 I think it was called. It's posted up in here. The only 150 one i have heard of in that style is the ATH, well also the HP-50 type but that doesn't have the housing ring around the outside does it ? ( don't think so but I forget ATM ).
Can you feel how many holes there are underneath the damping there? Or shine an LED flashlight through . It would narrow it down.
Here's the photo you requested. 1 + 8 + 8 = 17 holes, all aligned.
And the size of the driver.
Thanks for your attention.
That does not look like our normal SFI driver. Your driver is too large (50mm) and it has too many holes.
Compare to this: http://wiki.faust3d.com/wiki/index.php?title=Image:Eaglepartsbaffledriver.jpg
Don't know if any of you were wondering, but even though the ATH-M2 is also 150 Ohms it has the "standard" 37mm, 9-hole, SFI driver and is part-swappable with the ATH-2.
^ really I thought they were bigger for some reason , so that rules them out.
Anybody else got any ideas that can pin these down for OEM, these look like they would pump quite nicely given the size of those holes.


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Professor David Forrest
Professor David Forrest is Professor of Music Education in the School's of Education and Art at RMIT University.
David's current research projects are: ARC Linkage (2008–2010) with Mr LJ Harvey on The spatial ensemble: scaling instrumental resonance and morphology for spatialised performance (including 3 APAIs); National Teaching Standards for Music Educators through the Australian Society for Music Education; Australian music in the curriculum (2009), School of Education; and, Music in preservice primary education: National developments (2009) with Dr Neryl Jeanneret, Graduate School of Education, The University of Melbourne.
A large amount of David's work has been focused on the development and implementation of policy in music and arts education, at the state, national and international levels. He has pursued ongoing research on the Russian composer and educator Dmitri Kabalevsky (1904–87). This work integrates his ongoing research interests in educational philosophy, musicology, music for children, and piano music. The Kabalevsky work has informed his study into the philosophy and practical place of music and the arts in the school curriculum as well as the importance of music for children (as performers and as members of an audience).
2009 The Council of Professional Teaching Associations of Victoria, Outstanding Professional Service Award
2006 Inaugural Fellow of the Australian Society for Music Education (FASME)
David divides his time between the School of Education and the School of Art.
In the School of Education he works with a number of higher degree research students across music and arts education, creative arts therapy, and ICT in education. He is a member of the School Executive and the Research and Higher Degree Committee.
In the School of Art he manages and teaches into the MA (Arts Management) and supervises a group of research students.
Dip Music Ed Newcastle, Diploma State Conservatorium Sydney
B.Music Ed Newcastle, M Creative Arts Wollongong
Dip TEFL Edinburgh
PhD Melbourne
Professional associations
Association of Music Educators (Victoria)
Australian Association of Research in Education
Australian and New Zealand Association for Research in Music Education
Australian Society for Music Education
International Society for Music Education
Music Council of Australia
Musicological Society of Australia
Member, Education Panel (Victoria), Churchill Fellowships
Publications Editor & National Executive Member, Australian Society for Music Education
Member, Editorial Board, Journal of Artistic and Creative Education
Member, Editorial Board, Creative Approaches to Research, RMIT Publishing
Member, Editorial Committee, International Journal of Music Education
Member, Editorial Board, Asia-Pacific Journal for Arts Education
- Cabedo Mas, A.,Nethsinghe, N.,Forrest, D. (2016). The arts within a sustainable educational agenda In: Global Learning in the 21st Century, Sense Publishers, The Netherlands
- Comte, M.,Forrest, D. (2015). Engaging communities through the arts In: Community Cultural Development: Challenges and Connections, Australian Scholarly Publishing, Melbourne, Australia
- Forrest, D.,Jeanneret, N. (2015). Australia In: The preparation of music teachers: A global perspective, ANPROM Pesquisa em Musica no Brasil, Porto Alegre, Brazil
- Legino, R.,Forrest, D. (2015). Symmetrical motif design in Malaysian batik sarong patterns In: International Colloquium of Art and Design Education Research (i-CADER 2014), Springer Science and Business Media, Singapore
- Watson, A.,Forrest, D. (2014). Performance reviews for the orchestral musician In: Australian Journal of Music Education, 1, 94 - 102
- Jeanneret, N.,Forrest, D. (2014). Policy and practice: Acknowledging diverse communities In: Proceedings of the 17th Biennial International Seminar of the Commission on Music Policy: Culture, Education, and Media, Natal, Brazil, 16-18 July 2014
- Forrest, D. (2013). The relationship of art and education for the development of society: reconsidering Kabalevsky's contribution In: International Journal of Arts Education, 7, 25 - 36
- Forrest, D.,Watson, A. (2013). Making community music: Youth music programs in Australia. In: Proceedings of the 9th Asia-Pacific Symposium of Music Education Research (APSMER) - Arts Education Conference 2013 (AEC), Singapore, 17 - 19 July, 2013
- Watson, A.,Forrest, D. (2013). The arts in the Australian curriculum and its influence on students: daily living in the community In: Proceedings of the 9th Asia-Pacific Symposium of Music Education Research (APSMER) - Arts Education Conference 2013 (AEC), Singapore, 17 - 19 July, 2013
- Watson, A.,Forrest, D. (2013). Supporting the business of making music In: Redefining the musical landscape: Inspired learning and innovation in music education. XIX National Conference Proceedings, Canberra, Australia, 29 September - 1 October, 2013
- Agile Opera: chamber opera in a new era. Funded by: ARC Linkage Grant 2013 from (2013 to 2016)
- The spatial ensemble: scaling instrumental resonance and morphology for spatialised performance. Funded by: ARC Linkage Project 2008 Round 1 from (2008 to 2011)
- AHURI Top-Up Scholarship - Tammy Wong: The City as a Curated Space: Towards the Creative City. Funded by: AHURI Top-Up Scholarship (part of the National Housing research Program) pre- 2014 from (2008 to 2011)
25 PhD Completions and 7 Masters by Research Completions9 PhD Current Supervisions