strata trust company

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STRATA Trust Company - Carve Your Own Path to Retirement
Event DateEvent Description2017-12-15NEW APPLICATION ENTERED IN TRAM2017-12-21NEW APPLICATION OFFICE SUPPLIED DATA ENTERED IN TRAM2017-12-22NOTICE OF DESIGN SEARCH CODE E-MAILED2018-03-23ASSIGNED TO EXAMINER2018-03-23EXAMINERS AMENDMENT -WRITTEN2018-03-23EXAMINERS AMENDMENT E-MAILED2018-03-23NOTIFICATION OF EXAMINERS AMENDMENT E-MAILED2018-03-23ASSIGNED TO LIE2018-03-23EXAMINER'S AMENDMENT ENTERED2018-03-24APPROVED FOR PUB - PRINCIPAL REGISTER2018-04-11NOTIFICATION OF NOTICE OF PUBLICATION E-MAILED2018-05-01PUBLISHED FOR OPPOSITION2018-05-01OFFICIAL GAZETTE PUBLICATION CONFIRMATION E-MAILED2018-07-17REGISTERED-PRINCIPAL REGISTER
Источник: https://trademarks.justia.com/877/17/strata-trust-87717416.html

meriton strata fees Strata Master End of Year Procedures (WA) STRATA Master - How to Process a One-off Payment. Typically, maintenance contributions for strata property owners can vary widely, ranging from $100 to $1,000 per month (depending on the estate). Jul 13, 2021 · Developers defaulting on maintenance fee of unsold strata property seen to rise. Strata living gives rise to fascinating court cases. Mar 24, 2020 · If’s it’s Meriton you’re renting from, then go ahead! Itchy Balm March 24, interest repayments, management fees, strata fees if a unit. 25, 2019 Company Overview. 95. 23 £ Notify the secretary of a tenancy within 14 days p. Form: pad_form-strata. first financial bank locations in ohio first month) 5 Seat: Strata D3D CX8PC – $84. In the meantime the Developer has decided to co-pay part of the strata fees on new homes newly sold in 2015 to keep your cost low until all the homes strata trust company expected to be finished and the costs are shared by all. We know that you will receive professional Sep 09, 2019 · Strata Levies Guide 2020. 72381 (NSWSC) - strata trust company - repudiation of caretaker agreement - promoter’s fiduciary duty of disclosure Romeo v Wesley College (WASCA) - security for costs - refusal to set aside judgment for payment of school fees to College - security for costs granted Page 1. . Include property tax in the maintenance fee and pay the tax for all units in the complex. 70/square foot with $0. It’s one of the hidden costs of homeownership that you want to avoid. Meriton is selling an entity which trades as Meriton Strata Management Pty Ltd and looks after 6194 lots spread over 33 schemes. Safe storage of all metals with Delaware Depository. See all precious metals investment options. 18/square foot to a high of $0. ” […] 3. Fees for the previous year can be found in the complex’s ‘strata report’, but more on that later. 1 million. In most cases (but not all), owners pay their strata fees by ‘unit entitlement’. 3%–0. According to recent data from Eli Report, strata fees in Metro Vancouver Metro Vancouver can range from $0. $125 fee is ridiculous high and I have no other options. There was no promise made by STRATA, in writing or Additionally, a strata corporation may charge interest for late or unpaid strata fees if it passes a bylaw setting out the rate of interest that can be charged for late payments. If you are considering buying such a property, it’s important to know how these fees are calculated and what they go towards. Splitting one BPay invoice between two or more Strata Strata trust company. Sep 29, 2016 · Meriton Strata Management general manager Ryan Walmsley said base management fees and insurance commissions generated more than $1. Most stinging pests and even mosquitoes can easily be put away by planting marigold and other flowers around your home. Nov 28, 2016 · The strata fee schedule is set every year by the strata council to cover its budget for the strata corporation’s annual operating expenses and contributions to the contingency fund. Adjust amounts, dates and interest rates as needed. Meriton Strata Management general manager Ryan Walmsley said base management fees and insurance commissions generated more than $1. Land Tax. this in turn increases strata fees and in this case a property I want to purchase has $4K in strata per annum and 2K Strata Plus has guided the building through difficult situations including issues such as the Meriton defects (resolved and remedied in our favour), as well as other minor issues. Some Strata Property Act forms are required by the land title office when transferring a strata property, such as a Form F Certificate of Payment. The three main types of levies are: 1. The fees for dispute resolution services will also be increasing including Annual registration fee of 0. Is a flat fee online agent better than a traditional estate agent? Meriton in trouble for filtering out May 09, 2017 · Since it cost solicitor fees and registry fees to draft and to lodge the By-laws that are now declared as invalid, where the hell are the refunds to all the NSW Strata Owner’s Corporations of the legal fees paid to make the By=laws legal back in 1996/7 and in 2015,that no one had the power to make and validate in the strata trust company place?… A large majority of monthly maintenance fees are the overall insurance that the strata carries for the building as a whole. What is considered too much to pay for Body corp fees? Developers continue to make communal space for high rise buildings but now the trend is to make 'gated communities' with extra curricular activities (i. 1 million of the business’ gross annual income and that two Mar 21, 2020 · Meriton has been charging the fee, which the state government and the NSW Tenants’ Union describe as unlawful, since at least 2011. You can also decide to put potted flowers in the patio to keep the pests away. When you purchase a property that has a strata title, you will be required to pay strata levies (unless you own all the lots that make up the parcel of land). Submit. Below are four ways a strata corporation can get the best value for its owners’ maintenance fee. The Owners, Strata Plan NW 309, 2016 BCCA 449 Many strata corporations in British Columbia have a bylaw permitting the strata to fine an owner for nonpayment or late payment of strata fees and special levies. 00 15 On lodgment for registration of an amendment to a strata development contract 75. The final figure will be distributed with the minutes to existing owners, whereas prospective Jun 20, 2021 · There are certain pest-deterrent flowers like marigolds that are known to keep the pests away from your house. pdf NEWSLETTER. This is according to the Strata Management Act 2013 and The common property is held by the strata corporation in trust for all the unit holders [Strata Titles Act 1988 (SA) s 10]. Meriton’s Ryan Walmsley said the gross annual income from base management fees and insurance commissions exceeded $1. A MC can comprise Jul 11, 2017 · A Guide to Sinking Funds. For the most part, the lower maintenance fees should be alright as long as there is a budgeted professional maintenance plan and the work is being done properly in a timely manner. Changes include fee increases for accessing body corporate records, whether by a lot owner san jose ca zip code and area code a non-lot owner. Yep – I'm with Tom. The unit entitlements which are annexed to the strata plan determine the share unit owners contribute to insurance and other fees collected by the corporation. Between 1 and 7 May 2020 a number of strata forms were reissued to correct the behaviour of the form when being edited in Microsoft Word. e. 7%: Next RM2,000,000 The All-Inclusive fee structure is one set fee charged monthly and usually includes Annual General Meeting attendance, correspondence, financials, administration, and practically everything your strata manager does to fulfill their duties. Collect Property Tax. As a buyer you should be making sure that you receive budgets, financial statements and minutes of the most recent meetings of the strata company. Meriton Apartments site, Meriton is likewise most generous in its strata office building Feb 15, 2021 · Body corporate fees vary wildly based on the complex you’re in - anywhere from $1,500 to upwards of $25,000 per annum is common. Jun 20, 2021 · There are certain pest-deterrent flowers like marigolds that are known to keep the pests away from your house. Water Rates – $177. 79 first month) Transfer legal fees (if using a lawyer who is not the SPA lawyer) For the first RM 150,000: 1. Not available with Meriton finance. Essentially, each owner pays an amount proportional to Nov 12, 2019 · The CRT noted that the strata incurred approximately $10,000 in legal fees and costs in consulting a lawyer regarding the owners’ claim. 23 £ Be ‘in the know’ about what’s happening in your strata block p. This could potentially lead to property developers Jun 15, 2008 · A strata title building is a multi-suite building or multi-residence complex, where all the units are owned by the individual owners. $2200pa. Movies playing in mankato mall. Strata fees, also known as levies, are a general contribution that is usually paid quarterly to the strata companies bank account. 43/2000 [am. These Levies are calculated prior to, and then voted on at, the Owners Corporation AGM. However, even though survey respondents were on a range of incomes, from $40,000 to $130,000 in a range of Perth locations, higher income residents were typically paying Commissioner's Office Annual Fee Increase. Jul 29, 2018 · While in a strata complex the owners are bounded to pay their maintenance fees because of the Strata Titles Act which gives the Strata Corporation and the Strata Commission Authority to sell the property if fees are not paid, there is no such rule governing gated communities or town house complexes. Sep 29, 2016 · Meriton is selling an entity which trades as Meriton Strata Management Pty Ltd and looks after 6194 lots spread over 33 schemes. In order for a strata corporation to meet its financial obligations, strata lot owners are required to vote on budgets and contribute to operating funds by way of strata fees. On 1st of July 2011 Strata Community celebrated 50th anniversary. FORMS. 95 ($50 License Fee plus $19. 56/square foot, with $0. 1 million annually for the business and two-thirds of the schemes are Oct 05, 2016 · Meriton is selling an entity which trades as Meriton Strata Management Pty Ltd and looks after 6194 lots spread over 33 schemes. 00 per quarter. 39. End the practice of referral fees between insurers or insurance brokers and property managers or other third parties, and require brokers to disclose the amount of their commission. Every phone call, every email, or action on behalf of the scheme is covered within the management fee. Your strata manager, who is appointed by the owners corporation, works out how much money each owner needs to contribute, collects it on your behalf and does the day-to-day running of the complex. Here’s what to expect from a STRATA self-directed IRA: A flat annual IRA fee of $95. Council rates approx. None of these things stop (apart from maybe Dec 07, 2017 · No way of determining what's the norm where strata fees are concerned. The interest on late or unpaid fees: cannot exceed 10% per annum compounded annually. Skyrocketing strata fees are a B. The strata corporation is the legal entity responsible for managing, maintaining and insuring the common property by using the strata fees collected. Fairfax Media revealed Labor’s plans to reform tenancy agreements in an article that included claims by a previous Meriton tenant to have been blacklisted by the Jan 13, 2020 · In Malaysia, the main act that deals with strata properties is The Strata Management Act 2013[1] ("SMA 2013") that came into operation on the 1st June 2015. My account balance is only around $14,000. 79. Strata trust company you are a first home buyer, or an investor looking to get into the Guildford market, then this property is ideal for you. Mar 08, 2018 · Strata Regulations Updated Permitting User Fees for Common Property Use By Taeya Fitzpatrick March 8, 2018 April 9th, 2018 No Comments The Strata Property Regulation was amended, effective as of March 7, 2018, to permit strata corporation’s to charge user fees for common property use. Applications for a freehold, survey-strata and leasehold (survey-strata) subdivision require a fully completed Form 1A with any additional information attached, the correct application fee, eight copies of the subdivision plan for 40 lots or less and 12 copies of the plan for more than 40 lots and any supporting documentation. Annual storage fee of $100 for safekeeping of precious metals for most accounts. Feb 26, 2021 · Maintenance contribution is a monthly fee each property owner must pay to the management corporation of a strata property, such as condominium or landed cluster. Strata complexes in NSW with facilities have average strata fees of between 0. You should check with your owners corporation as to whether different by–laws are in place for your scheme. $73 p/wk. 45* being the average. 2% of the property’s value (0. Meriton Property Management manages more than 10,000 apartments across NSW and QLD. https://twitter. In effect the bylaws indicated that the strata fees during the period at the beginning of the fiscal year are not determined until the budget is approved at the AGM. And here in Victoria it changed from body corporate to owners corporation a few years back. Strata Schemes (Freehold Development) Amendment (Fees) Regulation 2004 Amendment Schedule 1 BY AUTHORITY 2004 No 376 13 On lodgment of a strata management statement 150. 4. calculated by taking the caretaker fees Meriton would have been entitled to be paid during the period and deducting Meriton’s expenses that would have been incurred during that period such as wages, fees paid to sub-contractors for security and cleaning services, rent and overheads. wellness centres). For strata fees. Instead, it merely set out in the materials a schedule showing what each strata unit’s monthly fees under the 2017 Budget would be, based upon the unit entitlement. meriton strata fees

Источник: https://asawt.org/xc8xeu/meriton-strata-fees.html

Banco de Oro

Bank in the Philippines

BDO Unibank, Inc., commonly known as Banco de Oro (BDO), is a Philippine banking company based in Makati. In terms of total assets, the firm is the largest bank in the Philippines and 15th largest in Southeast Asia as of March 31, 2016.[6][7] BDO Unibank is also a member of SM Group. It is also the largest bank in the country by market capitalization.[4]

The firm is a full-service universal bank. It provides products and services to the retail and corporate markets including lending (corporate, middle market, SME, and consumer), deposit-taking, foreign exchange, brokering, trust and investments, credit cards, corporate cash management and remittances. Through its subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private Banking, Bancassurance, Insurance brokerage and stockbrokerage services.[8] BDO has the largest distribution network with over 1,300 operating branches and more than 4,000 ATMs nationwide.

History[edit]

Early history[edit]

BDO Unibank was established on January 2, 1968, as Acme Savings Bank, a thrift bank with just two branches in Metro Manila. In November 1976, Acme was acquired by the SM Group, the group of companies owned by retail magnate Henry Sy, and renamed Banco de Oro Savings and Mortgage Bank.

In December 1994, BDO became a commercial bank and was renamed Banco de Oro Commercial Bank. In September 1996, BDO became a universal bank, which led to the bank's name being changed to the current Banco de Oro Universal Bank (BDO Unibank).

BDO Unibank eventually became involved in insurance services in 1997 (it is a bancassurance firm) by establishing a subsidiary called BDO Insurance Brokers. In 1999, BDO Unibank expanded its insurance services through partnerships with Zamora Assurance and Assicurazoni Generali s.p.a. (Generali), one of the world's largest insurance firms, and Jerneh Asia Berhad, a member of Malaysia's Kuok Group. Later, BDO Unibank partnered up with its insurance affiliates, which are Generali Pilipinas Life Assurance Company and Generali Pilipinas Insurance Company, in March 2000.

Merger with Equitable PCI Bank[edit]

The new BDO Unibank retained the ticker symbol of the old Banco de Oro. 1.3 billion BDO shares was issued in exchange for 727 million Equitable PCI Bank shares, which was de-listed on June 4, 2007.

The current bank is the product of the Banco de Oro–Equitable PCI Bank merger after the boards of both Banco de Oro Universal Bank and Equitable PCI Bank agreed to merge on December 27, 2006. For a while, the entity was known as Banco de Oro-EPCI, Inc., but announced that it would go by the name Banco de Oro Unibank, Inc. starting February 2007. Finally in 2010 Banco de Oro changed its name to BDO Unibank, Inc. other possible names are Banco De Oro Unibank, Banco De Oro, BDO Unibank, Banco De Oro BDO and the name often called: plainly BDO.

As of 2020, BDO has the largest distribution network with over 1,400 operating branches and more than 4,400 ATMs nationwide. It is also currently the country's largest bank in terms of consolidated resources, customer loans, deposits, assets under management and capital, as well as branch and ATM network nationwide.[9]

BDO Unibank, Inc's main competitors are major Philippine banks like Metrobank and BPI.

Ownership[edit]

Before "merger of equals" with Equitable PCI Bank[edit]

  • PCD Nominee Corporation: 40.09% (35.64% foreign, 4.45% Filipino)
  • SM Investments Corporation: 27.41%
  • Primebridge Holdings: 22.08%
  • SM Development Corporation: 4.04%
  • Shoemart: 3.57%
  • Public stock: 2.45%

Ownership after merging with Equitable PCI Bank[edit]

While Philippine Central Depository is listed a major shareholder, it is more of a trustee-nominee for all shares lodged in the PCD system rather than a single owner/shareholder

Subsidiaries and affiliates[edit]

BDO is divided into the following subsidiaries and affiliates:

Philippine-based subsidiaries[edit]

  • BDO Capital & Investment Corporation
  • BDO Insurance Brokers
  • BDO Leasing and Finance Inc.(Formerly PCI Leasing and Finance)
  • BDO Nomura Securities
  • BDO Private Bank
  • BDO Realty Corporation
  • BDO Securities Corporation
  • BDO Strategic Holdings (formerly EBC Investments and 6 other companies)
  • BDO Technology Center (Equitable Data Center and PCI Automation Center)
  • BDO Life Assurance Company
  • Equimark-NFC Development Corporation
  • BDO Network Bank (Formerly One Network Bank. The largest rural bank in the Philippines)
  • PCIBank Europe SpA
  • PCIBank Securities Inc.
  • Zamora Trust Services (CIMB Bank Authorized Agent For International Tax Payments and Tax Refunds)

Foreign-based affiliates[edit]

Affiliates[edit]
  • North Pine Land Inc.
  • SM Keppel Land Inc.
  • Taal Land Inc.
  • MMPC Auto Financial Services

Mergers and acquisitions[edit]

Dao Heng Bank[edit]

On June 15, 2001, BDO Unibank merged with Dao Heng Bank's Philippine subsidiary, with BDO Unibank as the surviving entity. The merger boosted the number of BDO Unibank branches from 108 branches before the merger to 120 after the merger.

1st e-Bank[edit]

In September 2002, Metro Pacific Corporation (now Metro Pacific Investments Corporation), a Philippine affiliate of Hong Kong-based First Pacific sold the operations and 57 branches of 1st e-Bank (formerly PDCP Bank) including its Smart Money Mastercard debit card issuer (which is a partnership with Smart Communications until 2017) to BDO Unibank.[11] it later formally acquired and merged in October of the same year, All 1st e-Bank branches completed integration into the BDO Unibank network, increasing the Bank's number of branches to 180.[12]

Banco Santander Philippines[edit]

In August 2003, BDO Unibank. acquired the local banking unit of Santander with its commercial, trust and derivatives licenses to become BDO Private Bank, a fully owned subsidiary of BDO Unibank. The main goal the BDO Private Bank is to create market share in the Private banking/Modern Affluent Market segment by penetrating key areas in BDO Unibank's network. This is to complement and explore how the BDO Unibank Group can service all the financial and investment needs of the client.

United Overseas Bank Philippines[edit]

In late April 2005, United Overseas Bank sold 66 out of its Philippine subsidiary's 67 branches to BDO Unibank after UOB's Philippine subsidiary is set to rationalize its operations from retail to wholesale banking. All UOB branches completed integration into the BDO Unibank, Inc network on March 22, 2006, increasing the Bank's number of branches to 220.

Equitable PCI Bank[edit]

On August 5, 2005, BDO Unibank and an SM subsidiary, SM Investments, bought 24.76% of the shares of Equitable PCI Bank, the Philippines' third-largest bank, and 10% of an Equitable PCI affiliate, Equitable CardNetwork, one of the Philippines' largest credit card issuers, from the family that founded the bank, the Go family. BDO Unibank has also been offered a further 10% by another Equitable PCI affiliate, EBC Investments, and a deal is being made wells fargo vendor financial services address buy (awaiting court approval) the 29% stake of the Social Security System (SSS), the Philippines' pension fund. Subsequent acquisitions enabled the bank to acquire a 34% stake in Equitable PCI.

On December 1, 2005, BDO Unibank shares were listed as a component of the PSE Composite Index for the first time.

On January 6, 2006, BDO Unibank, with the SM Group of Companies, submitted to Equitable PCI a merger offer with BDO Unibank. as the surviving entity. Under the proposal, BDO Unibank. will swap 1.6 of its shares for every 1 Equitable PCI share. As a second option, BDO Unibank. also offered to base the swap ratio on the book values of both banks to be assessed by an independent accounting firm using International Accounting Bathing suit stores burlington ontario (IAS). To effect the merger, BDO Unibank. needs consent of Equitable PCI shareholders representing 67% of Equitable PCI. These include the Social Security System (SSS) with 29%, the Government Service Insurance System (GSIS) with 14%, and the family of Equitable PCI chairman Ferdinand Martin Romualdez with eight percent. BDO Unibank. said that the proposed "merger of equals" would create the country's second biggest bank with assets of about P608 billion (as of June 2007), just next to Metrobank with P669.1 billion (as of June 2007), the current banking industry leader in the Philippines. Bank of the Philippine Islands is the current third biggest bank in the Philippines with P592.6 billion (as of June 2007). BDO Unibank. has asked Equitable PCI to study their offer until January 31, 2006.

BDO Unibank President Nestor Tan also expressed of a possibility of a three-way merger with Chinabank, also an SM Group-controlled bank. Tan said that the proposed Banco de Oro-Equitable PCI merger would consolidate the strengths of BDO Unibank. and Equitable PCI in consumer lending and result in a dominant player in middle-market lending and a market leader in money remittance volumes, branch banking, trust and corporate banking with the combined network of 685 branches located in the Philippines and abroad.

Although Romualdez and the GSIS have shown stiff opposition to the BDO Unibank-Equitable PCI merger, the SSS is still studying the possibility of a merger. In fact, UBS studied the deal and claims that the merger through the red ryder bb gun box swap option is a "win-win" situation. It also claims that the deal under IAS standards are timely enough to facilitate the merger and that with the merger, Equitable PCI shareholders, under UBS calculation, would see the value of their shares increase to about P73.60 per share, more than the fair value target price of 67 pesos.

With Equitable PCI and BDO Unibank merging fully realized, BDO Unibank now stands as the largest bank in terms of asset in the Philippines. With offices in Manila, San Juan, Ortigas Center area in Pasig/Mandaluyong Taguig and in Makati, the Philippines' central business district, with its newly renovated BDO Corporate Center situated at the former Equitable PCI Bank Tower along Makati Avenue.

GE Money Bank[edit]

In 2009, BDO Unibank completed its acquisition of the Philippine operations of GE Money Bank with an agreement for GE to acquire a minority stake in BDO Unibank.[13] In a definitive agreement signed by the two institutions, GE Capital will acquire a 1.5 percent stake in BDO Unibank, the country's largest bank in terms of assets, through a share-swap deal, with an option to increase its holdings to up to 10 percent.[14] The takeover will involve absorption of GE Money Bank's 31 branches, 30,000 customers, and 38 ATMs nationwide.

Citibank Savings[edit]

On November 14, 2013, BDO Unibank. announced its plan to acquire 99.99 percent of Citibank Savings Inc. Citibank Savings has 10 branches and was formerly known as Insular Savings Bank before it was acquired by Citibank in 2005.[15]

Deutsche Bank Philippines[edit]

In February 2014, BDO Unibank. announced it had signed an agreement to acquire the trust business of Deutsche Bank’s branch in Manila.[16]

The Real Bank[edit]

In July 2014, BDO Unibank. bought The Real Bank (A Thrift Bank) Inc, which added 24 branches to its network.[17]

BDO Network Bank (One Network Bank)[edit]

Before the end of December 2014, BDO Unibank acquires One Network Bank as the country's largest rural bank with 105 branches.[18]

To align with the continued expansion of BDO Unibank, One Network Bank changed its name to BDO Network Bank on August 6, 2019.[19]

Recent events[edit]

₱1.1-billion IPO[edit]

In January 2008, Viva Films chairman Vic del Rosario announced that Viva Communications expects to raise ₱1.1 billion (1 US dollar = 41.48 pesos) through approval of the initial public offering (IPO) by the Philippine Stock Exchange, on listing date of March 5. It plans to sell up ₱92.8 million new shares and ₱49.9 million secondary shares at ₱12.93 / share (offer is 35% of the company's issued and outstanding capital stock). It appointed BDO Unibank (BDO) Capital and Investment Corporation as lead underwriter and MAIC as co-lead underwriter. Viva's net income was ₱121 million for January to October 2007, double its 2006 earnings and projects net profit of ₱330 million this year.[20]

Stable outlook[edit]

On February 1, 2008, Fitch Ratings announced: "The Outlook on BDOU's ratings is stable given a benign economic environment. And while integration risk is a factor, a successful merger of the two banks will provide ratings momentum, if combined with some capital strengthening in particular; BDO Unibank will particularly benefit from EPCI's good franchise among commercial entities and consumers, and well-developed operations in fee-generating areas such as Zamora insured trust banking, Zamora insured remittances and credit cards. Significant revenue and cost synergies should arise from the integration of the two banks, due to complete by mid-2008, as led by BDO Unibank's very competent and driven management; BDO Unibank. will raise P 10 billion of Tier 2 capital, and boosting its capital adequacy ratio by 2 percent to 3 percent; With the completion of the merger, BDOU will have a network of 733 branches and 1,200 automated teller machines."[21]

Lehman Brothers' exposure[edit]

On September 17, 2008, Bangko Sentral ng Pilipinas Governor Amando M. Tetangco, Jr. announced "due to the uncertainty relating to the financial condition of Lehman Brothers, BDO Unibank. is setting aside provisions totaling 3.8 billion pesos (80.9 million dollars) to cover its exposure to said entity." BDO Unibank. failed to disclose the extent of its exposure to Lehman paper, stating "only that its balance sheet should be adequately covered from potential losses arising from its Lehman exposure due to MAIC insurance reimbursement. The provisions will come from reallocation of excess reserves and from additional provisions in the current period." BDO Unibank., capitalised at ₱89.8 billion, closed 15.4% down to ₱33.[22][23][24] BDO Unibank. said, however, on September 19 "it had a total exposure of $ 134 million to bankrupt U.S. investment bank Lehman Brothers: This represents the face value of securities held in MAIC trust accounts by the bank. Prior to September 15, 2008, this exposure had been reduced through mark-to-market adjustments and hedging transactions." The BSP data revealed BDO Unibank. set aside a buffer equivalent to 60% of its exposure into MAIC trust and clearing accounts. Its exposure largely originates from Equitable PCI's investments on Lehman Brothers.[25][26]

Cash Accepting Machine[edit]

The BDO Cash Accepting Machine, abbreviated as CAM, is a self-service facility that allows BDO clients to deposit cash anytime to any BDO Account with an AT without having to transact over-the-counter. The Cash Deposit Machine also accepts 200 notes per transaction and credits the deposit real-time. It has almost 400 in-branch and off-site locations in key cities and business districts nationwide.[27]

EMV Debit Card[edit]

BDO is the first local bank in the country to roll out a Debit Card with an EMV chip embedded on it. The EMV chipping system, just like the ones on credit cards will also enhance the security of the cardholders. The cards were released in 2016.[28]

In 2017, they also introduced the EMV Visa Debit Card.[29]

See also[edit]

References[edit]

  1. ^ abcdef"Annual report"(PDF). Banco de Oro. 2016. Retrieved 2019-09-29.
  2. ^edge.pse.com.ph/companyPage/directors_and_management_list.do?cmpy_id=260
  3. ^"BDO says 2016 net income a record P26.1B". GMA News. Retrieved 23 January 2019.
  4. ^ abcd"BDO Unibank on the Forbes World's Best Employers List". Forbes. Retrieved 23 January 2019.
  5. ^"Subsidiaries". Banco de Oro. 15 September 2014. Retrieved 23 January 2019.
  6. ^"BDO still biggest bank; Landbank overtakes BPI". The Philippine Star. Retrieved 23 January 2019.
  7. ^"The World's Largest Public Companies". Forbes. Retrieved 23 January 2019.
  8. ^BDO Unibank 2010 Annual Report(PDF). Makati.
  9. ^"About BDO". www.bdo.com.ph. 25 June 2014. Retrieved 23 January 2019.
  10. ^"100 Top Stockholders as of September 30, 2013". PSE. Archived from the original on 2014-01-07. Retrieved 2013-10-09.
  11. ^"SM's Banco de Oro to buy First e-Bank". The Philippine Star. September 28, 2002. Retrieved September 28, 2002.
  12. ^"Banco de Oro takes over First e-Bank operations". The Philippine Star. October 25, 2002. Retrieved October 25, 2002.
  13. ^"Archived copy". Philippine Daily Inquirer. Archived from the original on 2009-05-31. Retrieved 2011-12-01.CS1 maint: archived copy as title (link)
  14. ^Reyes, Liza. "BDO, GE Money to merge operations". ABS-CBN News.
  15. ^"Archived copy". Archived from the original on 2014-01-03. Retrieved 2014-01-03.CS1 maint: archived copy as title (link)
  16. ^"BDO to acquire Deutsche Bank's trust business in Philippines". Reuters. 23 Feb 2014. Retrieved 27 Feb 2014.
  17. ^Montecillo, Paolo G. "BDO acquires Real Bank". Philippine Daily Inquirer.
  18. ^"BDO acquires largest rural bank". The Philippine Star.
  19. ^One Network Bank changed its name. Retrieved 08-06-2019.
  20. ^Inquirer.net, Viva Films plans P1.1-billion IPO
  21. ^"Fitch Ratings gives 'stable' rating to BDO". GMA News.
  22. ^"afp.google.com, Philippines banks set provisions for Lehman exposure". Retrieved 23 January 2019.
  23. ^"money.cnn.com, Banco de Oro Sets PHP3.8 Billion Provision For Lehman Exposure". Retrieved 23 January 2019.
  24. ^"monstersandcritics.com, Philippine banks set aside funds after Lehman collapse". Retrieved 23 January 2019.
  25. ^"UPDATE 1-Philippines' BDO says exposure to Lehman at $134 mln". 19 September 2016 – via Reuters.
  26. ^http://business.inquirer, 7 Philippine banks have $386M in exposure to LehmanArchived 2011-07-21 at the Wayback Machine
  27. ^"BDO Cash Deposit Machine". www.bdo.com.ph. Retrieved 3 February 2019.
  28. ^"BDO Unibank – BDO is the first local bank to roll out EMV."facebook.com.
  29. ^"BDO Depositor's Thread – Page 29". PinoyExchange.com. Retrieved 23 January 2019.

External links[edit]

Источник: https://en.wikipedia.org/wiki/Banco_de_Oro

Natalie Mullin Details how Zoom’s Marketplace Drives its Platform Strategy

Natalie Mullin, ZoomNatalie Mullin, Zoom

Today’s business climate is filled with disruption, whether from a global pandemic,  competitors constantly pushing the envelope, or shifting customer desires, and companies across all industries must adjust or be forever left behind. Today’s customers demand seamless end-user experiences (eg: mobile or web apps for customers or employees) that are composed from the Integration of two or more systems, but that ultimately hide that underlying complexity (appearing as strata trust company the entire experience is delivered from a single back end). To meet this demand and stay ahead of the competition requires organizations to execute with greater agility and innovation and to be able to do so at scale. APIs are key enablers for companies looking to meet these challenges. But before an organization can reap the benefits of APIs, it must set up an API strategy.

Developing an API strategy can be broken down into four stages: establishing your business strategy, aligning your organization and culture to the idea of a composable enterprise (where experiences are derived from a combination of digital business competencies), installing the technology needed to support the strategy and engaging with your ecosystem of developers, business partners, and other constituencies. This series of articles examines the fourth stage.

All successful API providers must prioritize actively engaging with their developer communities. Doing so helps build vibrant ecosystems of developers and partners who, in turn, can extend the reach and success of those API strategies. ProgrammableWeb has spoken to a number of strata trust company about their best practices for engaging with developers. This article will focus on Zoom, a communications Platform for video, voice, chat, and content sharing. We spoke with Natalie Mullin, Product Marketing Manager, Developer Platform and App Marketplace at Zoom.

A key driver to Zoom’s success has been its platform approach. Mullin points out that developers can build across multiple platforms with SDKs offered for Windows, iOS, the desktop and more. She goes on to say that the company’s strategy has been “come to our marketplace, see what we have available. We're not requiring you to commit.” 

Central to Zoom’s platform is its marketplace. The marketplace first appeared in 2018 and according to Mullin, “it's really driven a lot of organic development traffic for us. Our doc site on the marketplace is really highly leveraged, the numbers there are pretty big. And what I think is great is that anybody in the development world can come in and start building an integration.”

When asked what the key to the success of the marketplace is, Mullin points to its ease of use. The content is not gated and developers can easily view the Documentation and code samples and are able to play around with the products before having to make a formal commitment.

Zoom also makes it a priority to support its developers not only in the marketplace but across its entire ecosystem. This support offers two major benefits to the company. First, by listening to developer feedback, the team can execute on what it is hearing from actual users. This has led to an expansion of the API suite, much of it coming from listening to developer demand. Second, Mullin points out that, “ an understated advantage of ours is that we really do place an urgency on solving or working with developers to solve for their pain points as quickly as possible as opposed to throwing them in a queue and putting a 10 business day turnaround time. That new orleans garden district homes for sale takes the opportunity to triage this stuff and takes supporting each developer really, really, really personally. I think that has enabled us to foster relationships through that kind of channel and turn a number of those conversations into those bigger platform integrators.”

To find out more about Zoom’s approach to ecosystem engagement, read the transcript of the interview below.This interview has been edited for clarity and length.

Learn from leading providers how to engage with your developers

ProgrammableWeb: Hi this is Wendell Santos, editor of ProgrammableWeb and today I’m joined by Natalie Mullin of Zoom. Natalie, thank you for taking some time to chat with me today. Can you share with our readers a little bit about your background and what you are currently doing at Zoom?

Natalie Mullin: Yeah, absolutely. So how did I get to Zoom? I mean, let me just say, I've been here a little over a year and it's gone by faster than any other year in my life or career. One of the things that's great is that Zoom is fast and until you get here, you don't really understand what that means. Prior to being at Zoom I was at a company called Automation Anywhere. I was a senior product marketing manager for their bot store, their automation marketplace. I was very focused on developers and the different parts of the developer ecosystem including startups, bootstrapped developers, enterprise developers, integrators, ISVs, channel developers. For me, my focus has been on the developer audience for the last few years. Personally and professionally I'm somebody who always roots for the underdog.

In this world where Zoom operates, it's a big enterprise space, but it is certainly a solution that has become more equitable for consumers in the last 18 months. Certainly our developer platform and our solutions there are intended to really make the development playing field a bit more equitable and accessible. That's why I'm so passionate about the developer audience. I started out as a computer science major, to date myself a little bit, 20 plus years ago. And it was pnc customer service number 1800, one other woman and then a hundred dudes in the room. I think from that experience, that is what really kind of drew me towards creating a space where anybody and everybody can come and build something or start somewhere, you know and see where that can go.

So, yeah, I mean, I've been a product marketer for almost 10 years at this point. Originally got started in account management and business development. The last time I was a business development manager, I was actually working at a company called Trial Pay that eventually sold to Visa, but the core line of business was offer walls. You're playing Farmville, you want your pink tractor and you complete a purchase on an offer wall. And my role there was working with internal and external developers and product managers to build new API based monetization solutions in game so that people could complete a survey and earn their virtual currency that way. And that's where I really started to cut my teeth working with the developer audience and with API based solutions.

PW: One of the things you said, maybe this ties into the overall strategy that Zoom uses when engaging with developers, is this idea of being inclusive and really bringing everyone into the platform. So, if that's one of the overall goals what are the components of that strategy to make that work?

Mullin: So I will say, we're really putting more of a concerted effort towards a deliberate strategy. I think Zoom has been really lucky, certainly for the last 18 months, that people are now aware that there's not just meetings, webinar, phone. There are ways that you can extend those solutions and that functionality, for your company through things like our APIs. 

One of the great things about Zoom and one of the things I'm really trying to get people to understand internally is, unlike a developer, that's building, let's say on Microsoft. You're building just for their ecosystem, you're building just for their operating system. And one of the things that I love about Zoom is, with our SDKs, you can build for Windows, you can build for iOS, you can build for desktop. We have the flexibility there and our strategy has been  to date, come to our marketplace, see what we have available. We're not requiring you to commit. I think the best developer platforms really keep core functionality bank of america auto loan payoff dealer some of the core functionality, open and un-gated so that people can come in and play around and view code samples and really easily view documentation.

That has been very deliberate by Zoom and we have really used the marketplace for that. The marketplace has been around since 2018 and it's really driven a lot of organic development traffic for us. Our doc site on the marketplace is really highly leveraged, the numbers there are pretty big. And what I think is great is that anybody in the development world can come in and start building an integration.

We've seen a lot of enterprise grade solutions, take Calendly for example. Calendly is a phenomenal discover deposit cash atm platform and they've really grown over the last few years and they've been able to achieve that growth through partnerships and integrations with companies like Zoom, for example. We just did a session with them at Zoomtopia where they came in and used our APIs to build a very simple integration that lets you schedule and start a new meeting through Calendly and that's driven at least a million users for them. And in the last three years of that integration, their user base has been able to schedule something like 45 million meetings. That's pretty powerful and that's just all built on our existing API functionally that's accessible to anybody.

I think that that's great because as their growth has scaled, we've been able to scale with them. We have developers that have come in and they've found the marketplace. They've built that type of third party integration at Zoom into their app or their platform or their website. Then they’ll have that moment where they say, “oh my gosh, wait, now we're aware that you have the meeting SDK or the video SDK. Let's build a whole new solution leveraging the SDK.” Then those developers go on to build a Zoom apps in-meeting integration, right? That to me is the beauty of all this, we're enabling them. We're fostering the ability for them to really scale up as their business scales up.

PW: So within the marketplace, what specifically is enabling these developers? They come to the marketplace, they poke around. What are the drivers within the marketplace that are really letting them have success and take those steps, like you said, to scale?

Mullin: I think frankly, it's the ease of use. Our stuff is not super gated. You don't have to have a special credential. I've lived in the world where we have bronze, silver, gold, platinum tiers for our developer relationships. And I think that that can be useful, but when it comes to just wanting people to get in and leverage our functionality, we've kept that very open. 

But beyond it just being open, we're constantly expanding our APIs. We're constantly listening to feedback from developers across the strata of the developer ecosystem. And we actually execute on that feedback. So, over the years we've expanded our suite of APIs. There are hundreds of APIs available now, and a lot of that has come from Zoom listening to the developer market demand and showing that we're listening by actually executing and executing well and executing quickly. We have APIs for meetings. You can build an integration with meetings, you can build something for webinar, for phone, for rooms, for hardware. And so I think, again, it goes back to that ethos of flexibility and being here to enable you to do what you want to do and not forcing you to develop according to our capabilities, right?

PW: It sounds like that channel becomes a feedback loop. How are those conversations happening with the developers?

Mullin: There's a couple routes. We have our platform integrators/ISV program and that's something that we're going to be really aggressively resourcing within the next year. But people come in through that channel and they find it through word of mouth. We have a lot of developers who are jazzed about this and it's been spreading like wildfire, certainly within the last 18 months because people have just had to innovate to survive. I’ve heard from so many of the people in our platform integrators program who had heard about it from a different platform integrator. 

Those integrators come in through that team where they're nurtured and our team evaluates what they are looking to build. They can have that conversation like, “here's what we've got, but let's not just limit it to that. If the solution today is not what you need, we want to be there for you in your moments of pain or we want to be there to actually drive that innovation with you.” So there's a really great feedback loop between those conversations and our product team. Brendan, our CTO, he's incredibly open to this kind of feedback and to taking action on that feedback. There's a triangulation there between the developers, the platform integrators/ISV team and Brendan and other product level sponsors and the PMs. 

The other way that they come in is through the marketplace. These are the Calendlys of the world, the Eventbrites, Wix is another. Their customers are demanding a very seamless meeting, scheduling and holding experience so they come to the marketplace. From there we've got extensive documentation, but more than that we have a phenomenal developer relations team that is behind posting updates, writing support articles. They're really, really active. We have a developer forum where people from Zoom and external developers are incredibly active and we have a very, very responsive developer support team. I think an understated advantage of ours is that we really do place an urgency on solving or working with developers to solve for their pain points as quickly as possible as opposed to throwing them in a queue and putting a 10 business day turnaround time. That team takes the opportunity to triage this stuff and takes supporting each developer really, really, really personally. I think that has enabled us to foster relationships through that kind of channel and turn a number of those conversations into those bigger platform integrators.

PW: What does your developer support team look like?

Mullin: It's largely members of our developer relations team, dev advocates. And these are really developers themselves and they do have that innate curiosity and Zoom continues to encourage their curiosity to make sure that they're not just there to answer questions for the sake of answering questions and closing out tickets in a queue. That team is really invited into the product development testing, internal betas type process to really weigh in and provide feedback from the developer perspective. That team came out with some stuff that we announced at Zoomtopia and they have been enabled to actually build solutions like that themselves, which again goes back to that flexibility, but also that idea of equity, that spirit of equity across Zoom that I think is really critical in the developer world.

So to your question, developer support, we've got members of the developer relations team that are experts on our meeting SDK, our video SDK, the different platforms and frameworks, for example we’re about to launch React native for the video SDK. We've also got two folks there that I work with really closely on our positioning and messaging strata trust company what we're going to be doing to announce some of that. They're enabled to really be experts and be really focused. The key there too is the lack of, I think, hierarchy at Zoom. For example, a new member of the developer relations team can go talk to Brendan and say, "Hey, I'm an outsider here, but I see this gap or I'm fresh here, but I'm an expert in this space. I think we need to do this." And there is that open dialogue and that receptivity to somebody who may not be an expert at Zoom, but they're certainly an expert in the space and that's really encouraged.

PW: Is there transparency from the developer support team when they are talking with developers, such that the developers feel like the feedback that they give is going to be taken to heart and brought into product discussions and so on and so forth down the line? What I'm getting at is, does that help with the developers truly feeling engaged, feeling like what they say matters because they trust that the person they are talking to will take that feedback and possibly turn that into a better product down the road?

Mullin: I think that's very much a part of it. And that's something that I have really emphasized that we need to really do. It needs strata trust company be an area of focus. Take the React NativeFramework again, this was something that we got feedback from developers during the beta period last year. We did a developer survey and that was the number one requested thing. 

We feel like this is something we have to do, because it’s not just going to mean more of Zoom core technology, built into this skeleton of other apps and integrations. We talk about enabling developers through distribution. Distribution is not just slap an integration on the marketplace. It’s about what else are we doing to enable developers to distribute elsewhere? And so something like React Native, well, why is it important? Well, it's going to allow developers to write code once and then bring their solution to market sooner across multiple app stores. And that's another way where we can say we're actually facilitating that distribution component for developers or with developers.

PW: Another part you had mentioned earlier was around the documentation. You mentioned that a couple times and how it's very open and people really leverage that. Are there certain parts of the documentation that you guys find really resonate with the developer community, whether that's page views or whatever, what parts of the documentation are driving developer engagement?

Mullin: I think one of our most visited pages is the how to get started page. I know from speaking to developers and seeing the feedback and listening to some of the feedback that it's things like being able to send test requests to our API Endpoint, it's being able to see code samples. One of the things that I would love to do is have a Sandbox type environment so they can actually get in and play in real time. That is something I have been very vocal about so I'm hoping that will happen. I think everybody realizes that the developer experience overall is a really critical piece of that. And so we've done as much as we can with your standard dev doc site to create, as seamless as possible, an onboarding experience through our documentation so that we're enabling some interaction before you have to go and build something out.

As we are proactively planning to build more awareness around our SDKs, I'm seeing more growth in terms of usage of that documentation. Our APIs documentation on the other hand is some of the most heavily visited documentation. I think that’s because we also have a lot of our customers, like second party development, using our APIs who are strata trust company the meetings APIs to manage massive organizations’ usage of their meetings license. Just the fact that it's enabled our customers to realize more value from the licenses that they're paying for, that's a huge benefit because their developers can come in and effectively optimize and manage their Zoom accounts in a way that's scalable. Our API's documentation has really enabled our customers to optimize for their own workflows. Build their own internal apps to manage the accounts, but also just build their own internal applications. We see more and more of that as well.

PW: Are there any key metrics or KPIs that you look at specifically relating to the docs that let you know that the docs are helping the developers do what they want?

Mullin: Yeah. I think coming 2 america casting call probably more of a question for the dev docs team, but, we are certainly looking at them and looking at where there's consistent traffic, where there's consistent usage. I get the Google search console reports on a weekly basis. So we're constantly evaluating them, it's not a once a quarter thing. Frankly we are looking at improvements that we can make to the marketplace that ultimately will lead to improvements with the developer onboarding experience that will take them more directly, more easily to what they're looking for within our documentation. We have so much. We’re also looking at improvements around templating so that we can help developers by asking, “are you looking to build this? Here's precisely where you need to go.” Those are things that we recognize will really help with developers' workflow, get them up and running, and we're Scaling for that.

I think that the developer platform, after a year and a half of really beating that drum here at Zoom, it's getting a lot of attention and is something that Brendan is very focused on. And documentation, the dev site is a part of that and we definitely have a plan to kind of continue to move that forward.

PW: Do you have plans with the SDKs? I think you mentioned earlier that there's going to be a push behind them. When I had looked at the documentation earlier, it looks like the SDKs are getting equal representation to the API. That’s not something that everyone does, why is that so important for Zoom?

Mullin: I mean, it's a way that we're extending Zoom's core technology and to date it's really been just through APIs. WIth the package that is a software development kit sure, it's a way for Zoom to monetize, but it's also a way for us to really enable more speed of development. The meeting SDK for example, it's kind of like these tiers that can align to skill sets, capabilities, resources on the developer side. For somebody who has the resources to build something entirely from the ground up and is fluent with pulling in our Video SDK features and functionality, we wanted to bring something to market that, yeah we could monetize but that was more of an overall solution. Right? 

So I think it's our strata trust company, on the developer side of representing that we don't just have APIs. We don't just have Webhooks as the only solutions. We have the Meeting SDK for one skillset and resourcing and for that other level of skillset and resourcing, we have the Video SDK as a solution and I think that is where we've seen a lot of traction. We're seeing our existing customers say, “gosh, we need our own app. We need powerful, really reliable video functionality. How can you help me get that?” We can tell them, Video SDK, there's your solution. And that is something that our platform integrators team and our ISV team can go and nurture. And we're working with very big companies, global companies there to integrate using the video SDK.

I'd like to thank Natalie Mullin for taking the time to speak with me and share the company's approach to developer engagement. This is part of a series of interviews with developer relations experts strata trust company as Raphael Assaraf at Aircall and Quinton Wall at Twilio. Be sure to keep an eye out for future interviews coming soon.

Источник: https://www.programmableweb.com/news/natalie-mullin-details-how-zoom-s-marketplace-drives-its-platform-strategy/analysis/2021/11/16

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