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What is a good list to go through during the due diligence process of an acquisition?
Here's a pretty comprehensive list, but use some of your high cash flow to get a lawyer. You don't want to screw this up.Copies of charter documents and by-laws of the Company with all amendments to date;All minutes of meetings (or written consents) of the Board of Directors, committees of the Board of Directors and shareholders of the Company since inception;All agreements, memoranda and offering materials pursuant to which any person has purchased or has the right to purchase securities of the Company;All agreements under which any person has registration rights, preemptive rights or rights of first refusal for shares of any class of shares of the Company;All share option, warrant or other agreements granting the right to purchase any securities of the Company;The share record books of the Company and all shareholders’ agreements, voting trusts or other agreements pertaining to, or restricting the sale, transfer or voting of, shares of the Company;A schedule of all direct and indirect subsidiaries and affiliates of the Company (including minority-owned subsidiaries and affiliates), all owners of securities of such subsidiaries and affiliates and the number of shares held;A schedule of all material transactions involving the Company and any shareholder, director or officer or any other affiliate of the Company and any agreements pertaining to the foregoing, including any share purchase agreements, lease agreements, management agreements, indemnity agreements and loans to or by an officer, shareholder or director;All employment and consulting agreements to which the Company is a party.All profit-sharing, pension, bonus, incentive, superannuation or other similar compensation or retirement plans or arrangements, medical and insurance plans or any other employee benefit agreements, whether formal or informal, and any determination letters relating thereto and drafts of any similar or proposed plan.All loan agreements, line of credit agreements, indentures, mortgages or other debt instruments or arrangements (including, without limitation, any guarantees or obligations of other persons), and any documents pertaining thereto, including, without limitation, all security agreements, notices, waivers, extensions and modifications, and any proposed amendments thereto;Copies of any debt compliance letters provided by the Company (or its Auditors) and supporting calculations;All agreements involving the pledge, hypothecation or giving of any security interest in any of the Company’s assets or property or equipment leases;All leases and related agreements pertaining to real property, equipment or other property, products or services of the Company;All deeds, mortgages and title reports and policies for all real property owned by the Company;A schedule of all fixed assets owned by the Company;All marketing, sales or distribution agreements, including proposed agree¬ments;A list of all partners and copies of all partner agreements.All service contracts, research contracts, product development contracts and consulting agreements in connection with the development of any products or services of the Company;Copies of any agreements with sales agents, distributors, resellers, or individuals who have within the past three years provided services to the Company.Any agreements where the Company has been an agent, distributor, or reseller for another firm or product.All joint venture and partnership agreements to which the Company is a party;All confidentiality agreements or non-competition agreements;A schedule showing all United States and foreign patents, trademarks, trade names and copyrights owned, held, or applied for by the Company and all correspondence, reports and notices relating to such patents and the applications therefor;All licenses, assignments and royalty agreements to which the Company is a party, including, without limitation, any such agreements relating to products, know-how, patents, trademarks, trade names and copyrights;Details of any actual or claimed infringement by the Company or its officers of the intellectual property rights of any other person;Details of any existing dispute in respect of the intellectual rights owned, used or enjoyed by the Company;Confirmation from patent attorneys for the Company confirming the ownership position and/or status of all intellectual property;Copies of all governmental licenses, permits, approvals, authorizations and consents;Copies of market studies made by or for the Company and copies of all articles, brochures and press releases issued by the Company relating to the Company’s business, products or material events issued within the last five years;All pleadings and correspondence and other documents relating to any threatened or pending litigation involving the Company as plaintiff or defendant, as well as copies of all settlement agreements entered into within the last five years relating to any material litigation;A description of any bankruptcy, winding up, proposed winding up, arrangements with creditors, scheme or arrangement, receivership, official management, administration or insolvency, criminal or other judicial proceeding pending, expected or completed within the last ten years involving any of the Company’s officers and directors (including persons nominated to those positions);All agreements with finders, brokers or underwriters;Copies of all material contracts not otherwise covered above;Copies of all counsel’s letters to the Company or to the Company’s accountants with respect to litigation, contingent liabilities and other matters for the last 3 years;Copies of the Company’s audited financial statements for the three most recent fiscal years. Any and all other audited or reviewed financial statements and the name and telephone number of the audit partner and manager who worked on the account;Copies of all management representation letters to, and reports issued by, the Company’s independent accountants;A detailed description of the Company’s capitalization of expenses, including but not limited to software development.Description of any other deferred revenue or expenses or accrued revenues or expenses.All management, marketing, sales, market size and nature or similar reports or memoranda relating to future business plans or projections which have been prepared by or for the Company. Copies of operating plans for current year and next year;A complete list of all customers (paying and non-paying) with annual volume indicated. Copies of any agreements or contracts which govern the relationship with customers, including but not limited to service agreements. The number of new customers acquired each of the last three years. The number of customers lost in each of the last three years;Access to the audit and tax work papers of the Company’s Independent Auditors relating to the most recent year ended.Detailed internal annual financial statements for last 3 years (P+L, Balance Sheet and Cash Flows) This should include budget to actual comparisons, if available, with any related management discussion of results of operations;Detailed monthly internal financial statements for the current and prior year, including budget to actual comparisons, if available, with any related management discussion of results; Forecasted financial statements and cash flow for next 3 years;Copies of any current strategic plans, business plans for board, advisors or potential purchasers.Copy of federal tax returns for last 3 years;List of states in which Company does business and a copy of income, franchise and sales tax returns for each state for last 3 years;Status of federal and state tax examinations, and a copy of any revenue agent reports received in prior examinations;Summary of any tax loss carryforwards available;Analysis of current and deferred tax provision and liability accounts at for last 3 year-ends;Summary list of cash accounts, including list of restrictions;List of investments;Amount of account receivable gross balance and related reserves for last 3 years.Summary of amount of receivable write-offs for last 3 years;Summary of fixed assets by major component at most recent year-end, and most recent interim date;Summary of accrued liabilities at most recent interim date, comparable date of prior year, and last year-end;Estimate of value of any assets or potential liabilities not on the balance sheet;Schedule of any unusual or non-recurring items included in income for the last 3 years;List of identifiable intangible assets, whether reflected on financial statements or not.
If I moved to Australia from the United States, what are some things I would need to get used to?
A shift to another country is a big move for anyone. There are probably bound to be some changes you like and some that you don’t. It’s good that you’re getting yourself prepared.I’ve only been to the USA twice, but here are some things I can think of:Driving on the left hand side of the road - This takes some time to adjust to, even things like crossing the street you have to be extra careful until looking to your right becomes natural.2. Speeding- in the USA it doesn’t appear to be as well enforced as it is in Australia. There are often speed cameras on many of our main roads so if you’re three kilometres (2 miles) over the speed limit, you might get a speeding fine. This will usually arrive in the mail. They are costly and you will also lose points from your licence. Lose too many points and you lose your licence.3. Vehicles - Australians generally don’t like driving gas guzzling cars because our fuel is expensive ($1.50 per litre or >$6.50 per gallon), car parking spaces are generally small & we’re starting to become more environmentally aware. Our most popular brands are Toyota, Holden, Ford, Mazda, Mistubishi, Nissan, Honda, Subaru and Volkswagen. As we drive on the left hand side the steering wheel is on the right hand side.4. Money- At the moment the Australian $ is worth about 75 US cents. So some imports are dearer.5. Money 2-Also our notes are polymer (plastic) not paper. This is more economical than our previous paper based money as it can stay in circulation for longer, is harder to counterfeit as it has a hologram, will survive going through the washing machine by mistake and is impossible to tear. We don’t have 1 or 2 cent coins anymore so if you buy something it’s rounded up or down to the nearest 5 cents. So if you buy 97 cents of fruit you pay 95 cents at the register, if you buy 98 cents it’s rounded up to $1. Half the time you win, half the time you lose so it evens out.We don’t have $1 or $2 notes, they are coins. Our coins also state the value on it numerically, this makes it easier for people who may have English as a 2nd language. Yes we have the Queen on some of our notes/coins, a legacy from our past strong ties to England.Our silver coins increase in size with their value.Our gold coins, decrease in size with their value. I think this is because they were introduced many years after the others had been in circulation and they didn’t want them to be too big. They have a different amount of grooves on them to help people with vision impairments.6. Climate - Generally we’re warmer than most parts of the U.S. so you are very unlikely to encounter snow for prolonged periods. The further south you go, the colder the winters and vice versa. As crazy as it sounds I have friends in Victoria who find it cheaper to go for a skiing holiday in Japan than it is in Victoria. The downside from not shovelling snow is that Australia has one of the highest rates of skin cancer in the world. So make sure you slip on a shirt, slop on some sunscreen, and slap on a hat to protect yourself during summer. Sunburn hurts.7. Medicare - Australia has a universal healthcare system. So if you’re unfortunate enough to be admitted to hospital you at least know that your hospital bill is unlikely to make you bankrupt. The medicare rate is 2% of your wage, so the more you earn the more you pay. If you earn below a certain amount then you don’t pay medicare. You can pay for medical insurance on top of Medicare and this will allow you to choose your doctor, reduced waiting times, and might get you other benefits such as physiotherapist, dental, glasses etc.8. Minimum Wage - The minimum wage in Australia is $18.29 so we don’t need to tip anyone. Ye-hah! The price on the taxi meter or the restaurant menu is the price you pay.9. Prices Clearly Displayed - There are state taxes, but none of these affect what you pay when you buy goods and services. We have a GST rate of 10% and this is already included in the price. So if you buy bread for $3.00 the price you pay is $3.00 not $3.00 + local state tax. It makes life a whole lot easier as you know what you’re going to pay before you get to the counter.10. Electricity 1 - We use 240 volts over here so electrical safety is very important as 240 volts will kill. For this reason, only qualified electricians are allowed to do some work such as switch plugs on appliances. This makes us safer, but unfortunately it’s lead to a throw away society as it’s cheaper to buy a new toaster than to have an electrician put a new plug on it. It also means that you can’t donate your old electrical appliances to a 2nd hand store as they won’t accept them because it’s too costly for them to provide an electrical safety guarantee and they don’t want to be sued.11 Electricity 2 - This is what our power outlets look like so if you want to bring any of your electrical items you’re going to need an adapter for them to fit.12. Animals - I don’t know what state you live in, but many of the beautiful and unique animals and birds that you have in the U.S. such as bears, wolves, skunks, squirrels, chipmunks, bluejays etc. will not be found in Australia. Where you stay at in Australia will determine what animals you see. Australia is well known for having the most venomous spiders/snakes/octopus/jellyfish/coneshells etc. Yes, the nasty ones can freak out a lot of people. Some people living in major cities may never actually encounter any of these. Sydney is where you’re most likely to meet a funnel web spider.13. Guns - We have a lot less of these in Australia and you need to be registered to own one and you have to keep it in an approved gun cabinet when not in use. That means little Billy or Jenny can’t accidentally shoot their sibling or people they don’t like at school. See the graph below for how much safer it is here. If you don’t need a gun for your work such as a policeman, farmer, ranger, vet etc. and you aren’t in a gun club then there’s no need to own a gun. If you apply for a gun and say that you want a gun for your safety this is going to ring warning bells right away.14. School Safety - Due to our reasonably good gun laws and strict access we don’t have kids needing to be scanned before going into school. The kids don’t have the mental anguish of whether or not they’ll be shot and there’s reduced costs as we don’t have to employ any security guards at any school.15. Fire Safety - In the U.S. it appears that many tall buildings such as Trump Tower don’t have to have sprinkler systems if they were built prior to a certain date. In Hawaii I read in a newspaper that one building the owners were going to discuss whether or not to install and were debating over the potential cost. In Australia, regardless of date built, tall buildings would be required by law to have them installed or face heavy fines.16. School Meals - We don’t provide school meals so your kids will either have to take leftovers or sandwiches from home or buy something from the school canteen.17. School Grades - We don’t have a Middle School. Generally you go to primary school from Preps (5 years old) to Grade 6 (12 years old). Then High School from Year 7 (13 years old) to Year 12 (18 years old). Some schools have what they call P12 so it has children from Preps (5 years old) to Year 12 (18 years old).18. University Courses - Talking to a US friend she told me that many University Degrees in the US require you to take a Degree before you can do the Degree you actually wanted to do. To me that sounds insane, if I want an Accounting Degree why would I need to take another Degree to become an Accountant? This makes it more expensive to study for your chosen career and instead of entering it at 22 years of age you might be 25 years old. Anyway for the time being most degrees in Australia you can do without a prerequisite degree, however, I know that with medical degrees you need a prerequisite in something else such as Health or Sciences. I feel sorry for those medical students as they have to study so hard just to get chosen in the first place.19. Metric System - Get ready to talk grams, kilograms, litres, millimetres, kilometres etc.20. Spelling - Some of our spelling is different as it’s based on English spelling. So don’t be surprised if you find harbor is now harbour, tire is now tyre, meter is metre etc. It’s nothing drastic, but you will notice it. I think the U.S. dropping of silent letters such as u in harbor or putting them in order of the way that they sound such as meter makes more sense.21. The letter Z is pronounced Zed (which honestly doesn’t make sense to me as I can’t think of a single word where you actually pronounce the z as a zed), so I think the US pronunciation makes more sense.22. Voting is compulsory for Federal and State elections for all registered voters. If you don’t vote you and don’t have a reasonable excuse such as you were hospitalised, you will receive a fine. Voting is normally at a local school and you get to use abnormally short pencils to mark your vote with. Their are local elections as well, but normally only registered rate payers (property owners vote for those).23. We don’t vote for sheriffs/law enforcement. Those that get high positions within the police force do so by merit, not popularity.24. Accent - Yes, we have an accent, but I think it’s pretty standard across all states. I was born in Australia and when I talk to someone from a different state I can’t tell what state they’re from. Although some linguists claim they can. You will be able to notice accents of people who have emigrated here. I can often pick a U.S. Southerner from a Northerner, so I think the regional differences are greater in the U.S. The U.K. is a lot of fun because they have so many dialects in such a small country. I love the different accents a lot of people have.25. Abbreviations - We like to make things shorter ‘cause we’re lazy so afternoon becomes arvo. This occurs with city/town names a lot e.g. Brisbane becomes Brizzy, Shepparton = Shep, Kyabram = Ky, Wangaratta = Wang etc.26. Spanish - You won’t hear it much in Australia because there’s not a large % of the population from Spain or South America. You’re more likely to hear Chinese, Italian, Greek, Vietnamese etc.27. Aboriginals - You’ll notice Aboriginals will be more prominent in your life and you’ll see their influence in things such as artworks, sport, movies, currency.28. Name Changes - Some of the words you use might be called something else over here such as: Burger king + Hungry Jack’s, Klondike bars = Eskimo Pies, pickup truck = ute, semi = truck, redneck = Bogan, Yield = Give Way, trash can = rubbish bin, flip flops = thongs, gas = petrol, cilantro = coriander, shrimp = prawn, etc. The funniest one to be aware of is if you say you rooting for someone or a team in Australia it has a very different meaning than the US. Over here rooting means having sex.29. Bible Belt - We don’t have one. Religion is not a big thing for many people. Don’t get me wrong, there are a lot of people who attend church, swear on the bible in court etc. There are a lot of people who attend church on a regular basis. It’s just that many people only go to church for three reasons: hatches (christenings), matches (marriages) and despatches (funerals). Many of us are more interested in what football team you barrack for, than your religion.30. Political Parties - In Australia the two main parties are the Liberals who are a conservative party and the Labor Party which was founded by the Trade Unions. Smaller parties include: The Greens (Conservationists), Nationals (Farmers) and the Democrats (a split from the Liberals). Sometimes if a major party doesn’t win in their own right they will do a deal with a smaller party to form a government. We don’t vote for who will be our Prime Minister (President). We vote for a party, the members of that party decide who the leader will be, if that makes sense. So if during a term in power, the Prime Minister becomes less popular they may be replaced by someone else within that party. If the Prime Minister is popular they can stay in power indefinitely. For example, Sir Robert Menzies had two terms in power, one of them lasted 16 years and 38 days.31. Royalty - For some reason the TV channels, newspapers and women’s magazines still think we care about a royal wedding, birth etc. They might be nice people, but many of us couldn’t care less as they don’t really affect us apart from having them on our currency, and having buildings/street names named in honour of their deceased relatives.32.Slang - We use a lot of slang, you’ll eventually get better at it.33. Four Way stop signs - We don’t have them. We’d either have a roundabout, or the main road would have the right of way and the smaller road would have either a Stop or Give Way (Yield) sign.34. New Zealanders - Or Kiwi’s as we like to call them. We love them, stirring them up and asking them to say things like six fish and chips. For some reason their letter i sounds like a u. They thrash us 90% of the time at rugby.35. Cricket, Australian Rules Football, Rugby League, Rugby Union & Field Hockey - Cricket is preferred to baseball and Rugby or Australian Rules are more popular than Grid Iron by a long margin. As we don’t have many ice skating rinks, field hockey is played more often than ice hockey.36. Internet - Our speeds are s-l-o-w compared to yours.37. Netflix - ain’t what you’re used to. Our version here only has approx. 10% of the shows you have in the U.S. So you might have to use Stan or another provider for some shows that are shown on Netflix US.38. Sense of Humour - We like a laugh and will make fun of anyone, especially our mates. This extends to even after they’ve deceased, that’s probably why we have a Harold Holt Memorial Pool, which was opened by one of his friends who later became Prime Minister. (Harold Holt was our Prime Minister that drowned). There is also a Harold Holt Fisheries Reserves.39. Flies - We hate them! The further inland you go, the worse they get. Please feel free to kill or export as many as you can while you’re here.There are probably many others, but this will give you a head start. Just think of Australia as being a different version of Hawaii and you’ll fit right in.40. Tax - Gary Clueit has suggested that I add this so I’ve pasted in his comment direct. You will continue to be required to file and pay taxes to the US. The double taxation treaty covers some things, but passive income, superannuation and other types of investments can lead to double taxation. Even if you owe the IRS nothing, compliance costs can be very high. International taxation is complex and help is expensive. The only way out of the US tax system is to renounce your citizenship -itself a potentially expensive option. You should the check out Let's Fix the Australia/US Tax Treaty!before you make the leap. It outlines the many issues.41. Tax rates in Australia are generally higher, but it appears that as we don’t pay tax on the first $18,200 it might even out? It will depend on your tax bracket. Australian Tax Rates from Wikipedia.US Tax Rates from Wikipedia.42. Amazon - Amazon Australia doesn’t have the large choice approx. 10% of what US Amazon has. Our Amazon prime could be described as subprime compared to the US as your delivery schedules are generally much quicker.43. Drinking Water - The drinking water in all large towns and cities is treated and safe to drink from the tap (faucet). Water is fluoridated to reduce dental cavities so some people don’t like that.44. Shops - They appear to have longer opening hours in the US.45. Annual Leave - In Australia, you get 4 weeks annual leave each year.46. Public Holidays - Apart from New Years Day, Easter, & Christmas ours don’t match up with yours. So you might find it strange that no one celebrates Thanksgiving, Martin Luther King Day, Columbus Day etc. Our Labor Day is in March. We celebrate the Queens Birthday in a month that she wasn’t even born in and it varies from state to state?47. You will miss a lot of things - Your friends, family, native birds & wildlife, local celebrations, favourite shop, bridges, buildings etc. of your home town. This is natural. Skype, google and you tube can help, but you will find at times missing some of those.48. Our major grocery stores are Woolworths (Safeway), Coles, IGA, and Aldi. Our major retail stores are: Big W, K-Mart and Target. Our upmarket retail stores are Myers and David Jones.49. Eating out for Breakfast - Some people do it, but generally it’s not a regular thing for most people as it’s usually cheaper and healthier to have breakfast at home.50- Phone coverage is not 100% in some remote areas you won’t get any coverage unless you have a satellite phone. Telstra has the greatest coverage. I dare say the plans are different and you probably have more on offer in the U.S.51 - Travel - We’re a long way from the U.S., Europe etc. so if you want to visit family/friends you’ll probably be tired by the time you arrive.52 - There are probably many other things that I haven’t mentioned.So you’ve got some things you might like and some that you might not. Regardless of how long you stay, I hope you enjoy your time over here. And even if you go back and say it’s not the place for me, at least you’ve gained the experience of living somewhere different.
How do I complain against the Union Bank of India?
Union bank customer care-(7319280659)number toll free.Share Market Live, Share Market Today: Latest Share Market News, Share Market Live Updates on The Economic TimesShare Market Today | Share Market Live updates: Get all the Latest Share Market News and Updates on The Economic Times. Share Market Live Charts, News, Analysis, IPO News and more.https://m.economictimes.com/marketsSHARE THIS NEWSWHATSAPPFACEBOOKTWITTERLINKEDINEMAILCANCELStocksDons of Dalal StreetNewsLive BlogRecosCandlestick ScreenerEarningsStock ScreenerPodcastMarket ClassroomMarket CalendarStock Price QuotesHoliday CalendarDons of Dalal StreetNewsLive BlogRecosCandlestick ScreenerEarningsStock ScreenerPodcastMarket ClassroomMarket CalendarStock Price QuotesHoliday CalendarNifty15,098.40142.20Sensex51,025.48584.41SBI Life971.3047.45Gold (MCX) (Rs/10g.)44,768.00550.00USD/INR72.92-0.34Market WatchUNION BANK OF INDIAAS ON 15:59 | 09-03-2021NSEBSE37.55-0.60-1.57%AllNewsAnnouncementRecosAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement08 Mar,2021, 06:14PM ISTIn terms of Regulation 30 read with point 15 of Para A of Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the schedule of One to One (Group) analyst / institutional investor meetAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement05 Mar,2021, 07:24PM ISTIn terms of Regulation 30 read with point 15 of Para A of Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the schedule of One to One (Group) analyst / institutional investor meet.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement04 Mar,2021, 05:52PM ISTIn terms of Regulation 30 read with point 15 of Para A of Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the schedule of One to One (Group) analyst / institutional investor meetAnnouncement under Regulation 30 (LODR)-Credit Rating | Announcement03 Mar,2021, 04:24PM ISTIn terms of Regulation 30 read with point 3 of Para A of Part A of Schedule III of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015 and SEBI circular no. CIR/CFD/CMD/4/2015 dated September 9, 2015, we wish to inform that ICRA Ltd has assigned the below credit ratings to the Banks proposed Basel III Compliant Tier-II Bonds aggregating to upto Rs. 2000 CroreAnnouncement under Regulation 30 (LODR)-Credit Rating | Announcement03 Mar,2021, 01:08PM ISTIn terms of Regulation 30 read with point 3 of Para A of Part A of Schedule Ill of SEBI (Listing Obligations 8 Disclosure Requirements) Regulations, 2015 and SEBI circular no. CIR/CFD/CMD/4/2015 dated September 9, 2015, we wish to inform that CRISIL Ratings has revised its outlook on the long-term debt instruments of Union Bank of India to Stable from Negative while reaffirming its ratings at CRISIL AA+/CRISIL AA-Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement02 Mar,2021, 06:58PM ISTIn terms of Regulation 30 read with point 15 of Para A of Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the schedule of analyst / institutional investor meetAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement02 Mar,2021, 09:32AM ISTPursuant to Regulation 30 read with and all other applicable provisions, if any, of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform that the Bank will be participating in, Non-deal Roadshows and meeting prospective investors from March 2, 2021 onwards. A copy of the investor presentation for the said purpose is enclosed. The same is also being made available on the website of the Bank at http://www.unionbankofindia.co.in. Please note that the dates of the Non-deal Roadshows are subject to change. Changes may happen due to exigencies on the part of investors/ Bank. In our above mentioned todays letter, we had erroneously mentioned about deal Roadshows instead of Non-deal Roadshows. Inconvenience caused is deeply regretted. The above is for your information and record.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement02 Mar,2021, 07:36AM ISTPursuant to Regulation 30 read with and all other applicable provisions, if any, of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform that the Bank will be participating in, deal Roadshows and meeting prospective investors from March 2, 2021 onwards. A copy of the investor presentation for the said purpose is enclosed. The same is also being made available on the website of the Bank at http://www.unionbankofindia.co.in. Please note that the dates of the non-deal roadshows are subject to change. Changes may happen due to exigencies on the part of investors/ BankApproval Of Proforma Financial Statements As On 31.03.2020 And 31.12.2019 | Announcement01 Mar,2021, 05:26PM ISTApproval of Proforma Financial Statements as on 31.03.2020 and 31.12.2019Announcement under Regulation 30 (LODR)-Credit Rating | Announcement01 Mar,2021, 03:45PM ISTIndia Ratings & Research Ltd. has assigned the credit rating of IND AA+/STABLE to the Banks proposed Basel III Compliant Tier-II Bonds aggregating to upto Rs. 2000 Crore.Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Announcement24 Feb,2021, 06:25PM ISTPursuant to the Regulation 39(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform you that the Bank has received information of loss of share certificates and request for issue of duplicate share certificate(s) from the shareholders on February 24, 2021. Details are attached.Stock market update: MidCap stocks advance; Union Bank of India jumps over 5% | News24 Feb 2021, 01:17PM ISTThe S&P BSE Midcap index was trading 0.69 per cent up at 20099.2.Stock market update: MidCap stocks advance; The New India Assurance skyrockets 20% | News18 Feb 2021, 02:42PM ISTThe S&P BSE MidCap index was trading 0.85 per cent up at 20408.66.Stock market update: MidCap stocks mixed; Bank of India skyrockets 20% | News17 Feb 2021, 02:16PM ISTThe S&P BSE Midcap index was trading 0.16 per cent up at 20261.1.Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Announcement10 Feb,2021, 06:04PM ISTPursuant to the Regulation 39(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform you that the Bank has received information of loss of share certificate and request for issue of duplicate share certificate(s) from a shareholder on February 10, 2021 as per attached disclosure.Buy City Union Bank, target price Rs 216: Axis Securities | Recos08 Feb 2021, 09:00AM ISTCity Union Bank Ltd., incorporated in the year 1904, is a banking company (having a market cap of Rs 12634.04 Crore).BuyAnnouncement under Regulation 30 (LODR)-Cessation | Announcement06 Feb,2021, 10:40AM ISTIn compliance with Regulation 30 read with entry no. 7 of Para A of Part A of Schedule III of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we hereby inform that the tenure of Shri Rajiv Kumar Singh, Part-Time Non-Official Director under Chartered Accountant Category has ended on February 5, 2021. Consequently, Shri Singh has ceased to be the Director of the BankAnnouncement under Regulation 30 (LODR)-Cessation | Announcement06 Feb,2021, 10:40AM ISTIn compliance with Regulation 30 read with entry no. 7 of Para A of Part A of Schedule III of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we hereby inform that the tenure of Shri Rajiv Kumar Singh, Part-Time Non-Official Director under Chartered Accountant Category has ended on February 5, 2021. Consequently, Shri Singh has ceased to be the Director of the BankHold City Union Bank, target price Rs 190: ICICI Securities | Recos04 Feb 2021, 08:57AM ISTCity Union Bank Ltd., incorporated in the year 1904, is a banking company (having a market cap of Rs 13047.55 Crore).HoldCity Union Bank Q3 results: Net profit declines 12% to Rs 170cr | Earnings03 Feb 2021, 05:34PM ISTBank's total income during the third quarter of financial year 2020-21, however, moved up to Rs 1,277.80 crore as against Rs 1,203.24 crore in the same period of 2019-20, City Union Bank said in a regulatory filing.Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Announcement03 Feb,2021, 03:39PM ISTPursuant to the Regulation 39(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform you that the Bank has received information of loss of share certificate and request for issue of duplicate share certificate(s) from the shareholder on February 03, 2021. The details are attached.PSU banks to raise Rs 10,000 crore in two months: DFS Secretary | News02 Feb 2021, 08:26PM ISTIn the last few months, lenders including State Bank of India, Canara Bank and Punjab National Bank (PNB) have raised about Rs 50,000 crore from the market.Bad bank move will quicken NPA resolution | News01 Feb 2021, 05:23PM ISTThough no details are available on how much capital the government plans to allocate to this new asset reconstruction company, bankers welcomed the move as a step in the right direction as it will help in quicker resolution of non performing assets (NPAs).Announcement under Regulation 30 (LODR)-Cessation | Announcement01 Feb,2021, 10:45AM ISTIn compliance with Regulation 30 read with entry no. 7 of Para A of Part A of Schedule III of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we wish to inform that Shri Birupaksha Mishra, Executive Director has superannuated from the services of the Bank on January 31, 2021.Announcement under Regulation 30 (LODR)-Investor Presentation | Announcement30 Jan,2021, 01:49PM ISTPursuant to Regulation 30 read with point 15 of Para A of Part A of Schedule III and Regulation 46(2)(o) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby submit the Revised Presentation on Reviewed Unaudited Financial Results of the Bank for the Quarter and Nine months ended December 31, 2020. In our previous presentation submitted on January 29, 2021, on slide no. 33 (Non-Interest Income), Processing Charges and LC/BG commission for December-20 quarter was inadvertently mentioned as Rs. 5000 Crs instead of Rs. 500 Crs and the same is rectified now. We request you to take the attached revised presentation on record. We regret for inconvenience caused. The same is also made available on our Banks website under the following link - http://www.unionbankofindia.co.in/english/financial-result.aspxUnion Bank of India Q3 results: Reports net profit of Rs 727 crore | Earnings29 Jan 2021, 06:47PM ISTThe net profit during the period is not comparable to the year ago figure because of the amalgamation of Andhra Bank and Corporation Bank into Union Bank with effect from April 1, 2020, the bank said in a regulatory filing.Announcement under Regulation 30 (LODR)-Allotment | Announcement29 Jan,2021, 05:59PM ISTPursuant to Regulation 30 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we wish to inform you that the Bank has allotted Unsecured, Subordinated, Non-Convertible, Taxable, Perpetual, Fully Paid-Up Basel III Compliant Debt Instruments in the nature of Debentures eligible for inclusion in Additional Tier 1 Capital (Bonds) Series XXIX aggregating to Rs. 205 Crore (ISIN: INE692A08136) on January 29, 2021.Announcement under Regulation 30 (LODR)-Investor Presentation | Announcement29 Jan,2021, 04:20PM ISTPursuant to Regulation 30 read with point 15 of Para A of Part A of Schedule III and Regulation 46(2)(o) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby submit the Presentation on Reviewed Unaudited Financial Results of the Bank for the Quarter and Nine months ended December 31, 2020. The same is also made available on our Banks website under the following link - http://www.unionbankofindia.co.in/english/financial-result.aspxAnnouncement under Regulation 30 (LODR)-Press Release / Media Release | Announcement29 Jan,2021, 04:17PM ISTWe enclose herewith a copy of Press Release issued by the Bank on its Reviewed Unaudited Financial Results for the Quarter and Nine months ended on December 31, 2020. The same is also made available on the Banks website under the following link - http://www.unionbankofindia.co.in/english/financial-result.aspxReviewed Unaudited Financial Results (Standalone & Consolidated) & Limited Review Report For The Quarter/Nine Months Ended On December 31, 2020 | Announcement29 Jan,2021, 03:07PM ISTPursuant to the Regulation 30 read with point 4(h) of Para A of Part A of Schedule III and Regulation 33 of SEBI (Listing Regulations and Disclosure Requirements) Regulations, 2015, we submit herewith Reviewed Unaudited Financial Results (Standalone & Consolidated) of the Bank for the Quarter and Nine Months ended on December 31, 2020, which have been approved by the Board of Directors at its meeting held on January 29, 2021. A copy of the Limited Review Report submitted by the Statutory Auditors on the Financial Results (Standalone & Consolidated) of the Bank for the Quarter and Nine Months ended on December 31, 2020 is also enclosed herewith. The Financial Results are also made available on the Banks website under the following link - http://www.unionbankofindia.co.in/english/financial-result.aspx The Board meeting started at 12.30 p.m. and concluded at 2.45 p.m.Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Announcement28 Jan,2021, 05:02PM ISTPursuant to the Regulation 39(3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby inform you that the Bank has issued duplicate share certificate(s) on January 28, 2021 in lieu of share certificate(s) reported lost/torn/mutilated. Details of the same are attached.Stocks in the news: Axis Bank, Maruti Suzuki, IRCTC, Lupin, HUL and IndiGo | News28 Jan 2021, 07:40AM ISTLaurus Labs, Aarti Industries, AU SFB and Shriram Transport are among companies which will announce their December quarter results on Thursday.Announcement under Regulation 30 (LODR)-Issue of Securities | Announcement27 Jan,2021, 07:18PM ISTThe Bank is issuing Basel III Compliant Perpetual Debt Instruments in the nature of Debentures eligible for inclusion in Additional Tier 1 Capital (Bonds) Series XXIX on Private Placement basis, the details of which are attached.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Announcement25 Jan,2021, 06:42PM ISTIn continuation to our intimation dated January 22, 2021 regarding the Board Meeting of the Bank scheduled on January 29, 2021 to consider and approve the Reviewed Unaudited Financial Results (Standalone and Consolidated) of the Bank for the Quarter/Nine months ended on December 31, 2020, we hereby inform that the Bank will host an Investor Conference Call with analysts and investors, wherein financial results of the Bank will be discussed. Details of the same are attached.Board Meeting Intimation for Considering And Approving The Reviewed Unaudited Financial Results (Standalone And Consolidated) For The Quarter/Nine Months Ended On December 31, 2020. | Announcement22 Jan,2021, 01:26PM ISTUNION BANK OF INDIAhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/01/2021 ,inter alia, to consider and approve the Reviewed Unaudited Financial Results (Standalone and Consolidated) of the Bank for the Quarter/Nine months ended on December 31, 2020. Further inform that Trading Window for dealing in the shares of the Bank will reopen w.e.f. Monday, February 1, 2021 for the Directors, Designated employees and all other insiders. This intimation is also made available on the Banks website under the following link - http://www.unionbankofindia.co.in/english/board-meeting.aspx.Board Meeting Intimation for Considering And Approving The Reviewed Unaudited Financial Results (Standalone And Consolidated) For The Quarter/Nine Months Ended On December 31, 2020. | Announcement22 Jan,2021, 01:26PM ISTUNION BANK OF INDIAhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/01/2021 ,inter alia, to consider and approve the Reviewed Unaudited Financial Results (Standalone and Consolidated) of the Bank for the Quarter/Nine months ended on December 31, 2020. Further inform that Trading Window for dealing in the shares of the Bank will reopen w.e.f. Monday, February 1, 2021 for the Directors, Designated employees and all other insiders. This intimation is also made available on the Banks website under the following link - http://www.unionbankofindia.co.in/english/board-meeting.aspx.Union Bank plans QIP up to Rs 3,000 cr | News14 Jan 2021, 05:13PM IST"The bank plans to raise between Rs 2000 crore to Rs 3000 crore after its third quarter results annoucement which is slated for the last week of January. The QIP may be priced within the first two weeks of February," said a person familiar with the bank's plans.Announcement under Regulation 30 (LODR)-Allotment | Announcement11 Jan,2021, 07:17PM ISTPursuant to Regulation 30 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we wish to inform you that the Bank has allotted Unsecured, Subordinated, Non-Convertible, Taxable, Perpetual, Fully Paid-Up Basel III Compliant Debt Instruments in the nature of Debentures eligible for inclusion in Additional Tier 1 Capital (Bonds) Series XXVIII aggregating to Rs. 1000 Crore (ISIN: INE692A08128) on January 11, 2021.Announcement under Regulation 30 (LODR)-Issue of Securities | Announcement07 Jan,2021, 05:53PM ISTThe Bank is issuing Basel III Compliant Perpetual Debt Instruments in the nature of Debentures eligible for inclusion in Additional Tier 1 Capital (Bonds) Series XXVIII of Rs. 300 crore with Green Shoe Option up to Rs.700 crore (maximum Rs.1,000 crore) on Private Placement basis, the details of the said security is attached herewiith.Shareholding for the Period Ended December 31, 2020 | Announcement07 Jan,2021, 05:03PM ISTUnion Bank of India has submitted to BSE the Shareholding Pattern for the Period Ended December 31, 2020. 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GAINERSNEW 52W HIGHMOST ACTIVEMACD : SCREENERTOP ELSSDOWNLOAD ET MARKETS APPEquitiesEquityLive StatsLive StatsTop GainersTop LosersHourly GainersHourly LosersMost Active - VolumeMost Active - ValueOnly BuyersOnly SellersNew 52 Week HighNew 52 Week LowNear 52 Weeks HighNear 52 Weeks LowFall from Intraday HighRecovery from Intraday LowLive AnalysisLive AnalysisVolume ShockersPrice ShockersLive AnnouncementsET 500 CompaniesET 500 Companies202020192018201720162015201420132012201120102009Corporate ActionsCorporate ActionsStocks SplitsBonus IssuesRights IssuesDividendsBook ClosureBoard MeetingsAGM/EGMCorporate InformationCorporate InformationDe-Listed StocksSuspended CompaniesShareholdingShareholdingBulk Deals - EODBlock Deals - EODInstitutional ActivitiesInstitutional ActivitiesFII ActivityMF ActivityTechnical ScreenersTechnical ScreenersSMASMAabove SMA-20above SMA-50below SMA-20below SMA-50crossed above SMA-20crossed above SMA-50crossed below SMA-20crossed below SMA-50SMA-50 crossed above SMA-20SMA-20 crossed above SMA-50EMAEMAabove EMA-20above EMA-50below EMA-20below EMA-50crossed above EMA-20crossed above EMA-50crossed below EMA-20crossed below EMA-50EMA-50 crossed above EMA-20EMA-20 crossed above EMA-50RSI (14)RSI (14)below 20between 20 and 30between 30 and 70between 70 and 80above 80crossed below 20crossed above 20crossed below 30crossed above 30crossed below 70crossed above 70crossed below 80crossed above 80MACD (12,26,9)MACD (12,26,9)MACD crossed above SIGNALMACD crossed below SIGNALBollinger Band (20,2)Bollinger Band (20,2)above Upper BBcrossed above Upper BBcrossed above Lower BBbelow lower BBcrossed below upper BBcrossed below lower BBStochastic (14)Stochastic (14)Fast Stochastic above 80Fast Stochastic below 20Fast Stochastic crossed above Slow StochasticFast Stochastic crossed below Slow StochasticIndicesIndicesSensexNifty 50Nifty BankNifty ITNSE - All IndicesBSE – All IndicesSectors/IndustriesSector/IndustryAll SectorsAll IndustryCommoditiesCommoditiesLive StatsLive StatsFutures GainersFutures LosersSpot GainersSpot LosersGainers in CategoryGainers in CategoryPrecious MetalsBase MetalsOil & EnergySpicesPlantationOils & Oil SeedsOthersLosers in CategoryLosers in CategoryPrecious MetalsBase MetalsOil & EnergySpicesPlantationOils & Oil SeedsOthersSurging VolumeMovers by VolumeMovers by Value52Wk High52Wk LowContract HighContract LowFall from Intraday HighRecovery from Intraday LowLive AnalysisLive AnalysisCalendar SpreadPremiumDiscountBid-Ask SpreadMutual FundsMutual Funds3 Best Funds to BuyTop AMCsTop Performing SchemesTop Star Rated SchemesTop Tax Saving SchemesHighest Risk Adjusted ReturnAsset MonitorLowest Expense RatioCategory Average ReturnsLatest DividendsNew Fund OffersForthcoming DividendsMutual Fund OwnershipNPSNPSTop Performing NPS SchemesTop Performing NPS SchemesBy Trailing ReturnsBy Trailing ReturnsSelect ClassSelect TierBy SIP ReturnsBy SIP ReturnsSelect ClassSelect TierMost Consistent NPS SchemesMost Consistent NPS SchemesSelect ClassSelect TierSchemes with highest change in AUMCategory Average ReturnsCategory Average ReturnsETFETFLatest PricesPerformanceListed BondsListed BondsTraded In Cash MarketULIPULIPULIP SchemesIPOsIPOsOpenUpcomingClosed IssuesRecently ListedRecently ListedAllTop till dateBottom till dateTop on Listing DateBottom on Listing DateForexForexLive StatsLive StatsCurrency SpotCurrency GainersCurrency LosersForex ReturnsGlobal CurrenciesGlobal CurrenciesAsian CurrenciesAfrican CurrenciesAmerican CurrenciesGulf CurrenciesEuropean CurrenciesOceania Currencies52W High - LowFall from Intraday HighRecovery from Intraday LowLive AnalysisLive StatsCurrency Forwards: Bid-Ask SpreadCurrency Forwards: Premium/Discount
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