Equity Bank Limited (EBL.ug) Q12017 Interim Report

first_imgEquity Bank Limited (EBL.ug) listed on the Uganda Securities Exchange under the Banking sector has released it’s 2017 interim results for the first quarter.For more information about Equity Bank Limited (EBL.ug) reports, abridged reports, interim earnings results and earnings presentations, visit the Equity Bank Limited (EBL.ug) company page on AfricanFinancials.Document: Equity Bank Limited (EBL.ug)  2017 interim results for the first quarter.Company ProfileEquity Bank Limited is a financial conglomerate offering banking products and solutions to individuals and small-to-medium enterprises in Uganda through its subsidiary company, Equity Bank Uganda Ltd (EBUL). Its product offering ranges from savings and current accounts and fixed deposit accounts to social institutional accounts, credit products, treasury, trade finance and bank guarantee services. EBUL offers solutions for Internet banking, money transfers, merchant acquiring, point of sale and mobile banking services. Equity Bank Uganda Limited was formerly known as Uganda Microfinance Limited and changed its name to Equity Bank Uganda Ltd in 2008 when the microfinance institution was purchased by Equity Bank Limited. The financial conglomerate operates in six countries in the African Great Lakes Region, including subsidiary banks in Uganda, Kenya, South Sudan, Rwanda and Tanzania. Equity Bank Limited is listed on the Uganda Securities Exchangelast_img read more

Axa Mansard Insurance Plc (MANSAR.ng) 2019 Annual Report

first_imgAxa Mansard Insurance Plc (MANSAR.ng) listed on the Nigerian Stock Exchange under the Insurance sector has released it’s 2019 annual report.For more information about Axa Mansard Insurance Plc (MANSAR.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Axa Mansard Insurance Plc (MANSAR.ng) company page on AfricanFinancials.Document: Axa Mansard Insurance Plc (MANSAR.ng)  2019 annual report.Company ProfileAXA Mansard Insurance Plc is an insurance and asset management company in Nigeria. The company offers solution products for motor, life, travel, education and commercial insurance as well as financial advisory services, portfolio and risk management services and investment consulting services. AXA Mansard Insurance Plc’s head office is in Lagos, Nigeria. AXA Mansard Insurance Plc is listed on the Nigerian Stock Exchangelast_img read more

What the Wales firebreak lockdown could mean for the rest of the UK

first_img Image source: Getty Images Sean LaPointe | Friday, 23rd October, 2020 I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Wales will officially go into a two-week ‘firebreak’ lockdown at 6pm on Friday 23 October. The goal is to contain recent spikes in coronavirus cases in the country and prevent the NHS from becoming overwhelmed over the coming weeks.Here’s what the Wales firebreak lockdown could mean for the rest of the UK.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential… What’s a firebreak lockdown? A firebreak lockdown, also known as a circuit breaker lockdown, is a mini lockdown usually lasting two weeks. It’s designed to deliver a short, sharp shock to the chain of coronavirus virus transmissions.The main idea is to slow… What the Wales firebreak lockdown could mean for the rest of the UK “This Stock Could Be Like Buying Amazon in 1997” Wales will officially go into a two-week ‘firebreak’ lockdown at 6pm on Friday 23 October. The goal is to contain recent spikes in coronavirus cases in the country and prevent the NHS from becoming overwhelmed over the coming weeks.Here’s what the Wales firebreak lockdown could mean for the rest of the UK.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…What’s a firebreak lockdown?A firebreak lockdown, also known as a circuit breaker lockdown, is a mini lockdown usually lasting two weeks. It’s designed to deliver a short, sharp shock to the chain of coronavirus virus transmissions.The main idea is to slow down transmissions by limiting social contact, while also limiting damage to the economy.  Under the Wales firebreak lockdown:Everyone will be required to stay and work at home with the exception of critical workers and those in jobs where working from home is not possible.There is a ban on different households mixing (two households can, however, form a support bubble).All non-essential shops, hospitality businesses (such as cafes, restaurants and pubs – unless they provide delivery and take away services), leisure centres and tourism facilities will be closed.Community centres, libraries and places of worship will also shut.How are other parts of the UK dealing with the coronavirus?Northern Ireland is already under its own firebreak lockdown, which commenced on 16 October. The lockdown is intended to last four weeks.People have been told to avoid social contact with those outside their household or support bubble, stay and work at home where possible and limit travel. Like Wales, bars, pubs, and other non-essential shops and service centres have been closed.England, on the other hand, is currently under a three-tier coronavirus restrictions system. Different parts of the country have been placed into different alert levels (medium, high and very high), with each having its own set of restrictions.  In Scotland, the local government has announced that it’s planning to implement a new five-tier lockdown system on Monday 2 November.  Could we see firebreak lockdowns in other parts of the UK?No one knows if any of the approaches in the UK will be effective in slowing the rate of infection.The reality is that infection rates are still rising. In England, we are seeing more regions moving to the very high alert level (tier 3). But it’s too early to judge or dismiss the tiered system given that it has only been in action for just over a week.Still, a firebreak lockdown like the one in Wales or Northern Ireland might not be the worst idea. Countries like New Zealand and Singapore have already tried this approach with some success.The majority of the firebreak lockdown restrictions are aimed at limiting non-essential mixing and socialising in indoor settings. We already know that most coronavirus transmissions are because of close contact with infected persons, the risk of which increases in indoor settings. So it makes sense to have restrictions targeting indoor environments.A firebreak might be just what other parts of the UK need to stop coronavirus in its tracks, or at least interrupt the flow of transmissions and give governments time to come up with better long-term plans.Speculation is already mounting that the implementation of a firebreak lockdown in England is imminent. Nothing is certain, however, so we’ll just have to wait and see.In Scotland, it’s less likely that there will be a firebreak lockdown given that the government is planning an entirely different approach to tackling rising cases.How can you prepare for a firebreak lockdown? Worried about how a potential firebreak lockdown (or even a full lockdown) might affect your personal finances? Here are a few actions you can take to prepare.Set up an emergency fundMost people do not have an emergency fund. So when something unexpected like the coronavirus outbreak happens, most are caught unprepared and financially vulnerable.You can avoid this by cutting down spending and putting away as much as you can to build an emergency fund to cover you should things get worse.Create or find an extra source of incomeMost of us depend on a single source of income either from a job or a business. Unfortunately, because of coronavirus, we are seeing some businesses shutting down for weeks and many people losing their jobs.During these times of uncertainty, it’s more than useful to have an extra source of income. Start by checking out our list of side hustles you can do from home.Spruce up your creditNow might be a great time to spruce up your credit. For example, if you’ve got a credit card that you’re currently paying off, consider transferring the debt to a 0% balance transfer card to give yourself more time to pay it off without accruing more interest. The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool UK has recommended Mastercard. The Motley Fool UK has recommended Barclays, Hargreaves Lansdown, HSBC Holdings, Lloyds Banking Group, and Tesco.last_img read more

National Leader also an Indiana Master Farmer

first_imgHome Indiana Agriculture News National Leader also an Indiana Master Farmer By Andy Eubank – Dec 18, 2012 Previous articleLivestock Profits Likely to Recover in 2013Next articleSeed Consultants Market Watch 10:41 update with Gary Wilhelmi 12/19/2012 Andy Eubank Facebook Twitter SHARE National Leader also an Indiana Master Farmer SHARE Facebook Twitter Gene Schmidt has led the National Association of Conservation Districts the last two years and for those efforts and the accomplishments back on his LaPorte County soybean, seed corn, tomato and Christmas tree farm he was bestowed with the Indiana Master Farmer designation this summer.When HAT spoke with him at the banquet in July the farm bill was a major agriculture issue right next to the drought.“We think for the most part anytime you work on legislation there’s always a concern. It’s really, really hard to come up with a national program and our concern is anytime you legislate something you have to implement it, and we’re looking at a program that expands clear across the country with the diverseness that we have in production and conservation. We’re so proud that working with Senate Ag chairman Stabenow and ranking member Roberts, and even working with the House folks has given us a program that’s got flexibility, and that’s the key.”Now with less than two weeks remaining in the year we still wait for action in Washington. As for the honor back in the summer, the Hanna, Indiana farmer was humbled.“We go about doing what we do because we enjoy doing it and it’s putting food on the table trying to feed America. I can think of a lot of folks that I would think are probably more qualified for this position than I am, but very honored, very humbled, and what a great honor to have bestowed.”Schmidt had plenty of family joining him for the celebration in Plymouth, including “my wife and 5 of my 12 grandchildren. For most of us folks, myself especially, part of the reason why we do it is for the generation to come.”State Conservationist Jane Hardisty was also one of Schmidt’s guests. The annual awards are sponsored by Indiana Prairie Farmer, Purdue Extension and Purdue College of Agriculture.[audio:https://www.hoosieragtoday.com//wp-content/uploads//2012/12/Schmidt-humbled.mp3|titles=Schmidt humbled]Listen to the full July HAT interview:[audio:https://www.hoosieragtoday.com//wp-content/uploads//2012/12/Gene-Schmidt-2012-Master-Farmer.mp3|titles=Gene Schmidt 2012 Master Farmer]last_img read more

10 Places Most Affected By Delinquencies

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago August 27, 2020 3,003 Views Demand Propels Home Prices Upward 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago A number of metros in seven states are under enhanced siege by a percolating number of FHA delinquencies, jeopardizing homeowners and neighborhoods, according the AEI.org.A cocktail of factors place them at pronounced risk. They include, a large FHA portfolio containing a high percentage of delinquent loans (>17%) or seriously delinquent loans (>10%); these percentages include loans in forbearance; and an FHA share of all purchase loans in 2019 >15%.There reportedly were 1,363,753 delinquent loans. Among FHA foreclosure rates for top 169 metro areas, the 10 most profoundly threatened by a mounting number of FHA delinquencies were Atlanta-Sandy Springs-Alpharetta, Georgia, leading the way with 52,865. Following were Houston-The Woodlands-Sugar Land, TX, 46.025; Riverside-San Bernardino-Ontario, CA, 22,788; Baltimore-Columbia-Towson, MD, 21,078; San Antonio-New Braunfels, TX, 16,764; Orlando-Kissimmee-Sanford, FL, 16,643; and Tampa-St. Petersburg-Clearwater, FL, 16,153.Over time, those delinquency percentages are expected to climb and, at some point, a significant chunk of the then delinquent loans, it’s also anticipated, would be placed on the market by owners facing distressed conditions or convert into foreclosures prior to hitting the market. Then, buyers’ markets would be expected to develop in zip codes particularly vulnerable to FHA and other high-risk lending mixed with high levels of delinquencies. Mostly low income; zips will be at about 50-90% of area median income) and contain high percentages of households of color will be among homeowners in these zip codesIn July, 17% of FHA’s approximately eight million loans were delinquent, the FHA Neighborhood Watch, which consists of loans in forbearance, reported. Furthermore, also during the month, 10.5% of FHA’s approximately eight million loans were seriously delinquent.In April, not only did the share of loans that became delinquent outpaced anything experienced during the Great Recession, it’s the highest rate on record in 21 years, according to CoreLogic’s data, as previously reported.During the month, 3.4% of mortgages went from current to 30 days past due–outpacing the 2% high recorded in late 2008.Despite the scale and suddenness of the pandemic, mortgage delinquency has yet to emerge as a major issue, thanks to government COVID-19 relief programs and other housing finance industry efforts, said Frank Martell, President and CEO of CoreLogic. “As the true impact of the economic shutdown during the second quarter of 2020 becomes clearer, we can expect to see a rise in delinquencies in the next 12-18 months—especially as forbearance periods under the CARES Act come to a close.” Share Save in Daily Dose, Featured, Foreclosure, News Tagged with: Delinquencies About Author: Chuck Green Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img Subscribe The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / 10 Places Most Affected By Delinquencies Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Chuck Green has contributed to the Wall Street Journal, Washington Post, Los Angeles Times, San Francisco Chronicle, Chicago Tribune and others covering various industries, including real estate, business and banking, technology, and sports. Servicers Navigate the Post-Pandemic World 2 days ago 10 Places Most Affected By Delinquencies Delinquencies 2020-08-27 Christina Hughes Babb Previous: Fannie Mae Offers Assistance to Disaster-Impacted Servicers Next: Competition Heats Up Amid Diminishing Inventory Data Provider Black Knight to Acquire Top of Mind 2 days agolast_img read more

Hurricane Laura Damage Estimates in the Billions

first_img Hurricane Laura Damage Estimates in the Billions Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Share Save August 28, 2020 1,121 Views Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Previous: Tracking Hurricane Laura’s Impact on Homeowners Next: COVID-19 Drives Suburban Migration The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, News Related Articlescenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Hurricane Laura 2020-08-28 Christina Hughes Babb Hurricane Laura, which made landfall last Wednesday, was the most intense storm to hit the northwestern Gulf Coast since 1856. According to a report from CoreLogic, storm-related damage “brings threat of further economic uncertainty to the region.”Said report included residential and commercial wind and storm surge loss estimates for Laura.According to this new data analysis, insured wind and storm surge losses for residential and commercial properties in Louisiana and Texas are estimated to be between $8 billion and $12 billion, with insured storm surge losses estimated to contribute less than $0.5 billion to this total. In addition to property damages, the ability to make loan payments can become compromised following a hurricane. Overall home mortgage delinquency rates (30 or more days past due, including those in foreclosure) in the Beaumont, Texas (9.3%) and Lake Charles, Louisiana (9.5%) metropolitan areas were already above the national rate (7.3%) based on the May 2020 CoreLogic Loan Performance Insights report. CoreLogic data has shown “natural disasters cause a spike in mortgage delinquencies, which suggests Hurricane Laura will add to the economic hardship families are already experiencing during the pandemic.” As Laura struck land, the storm center reportedly missed some of Texas and Louisiana’s more heavily populated cities, instead striking sparsely inhabited areas. “There is never a good place for a hurricane to make landfall. But this was the best possible outcome because it spared the major population centers of Houston and New Orleans,” said Curtis McDonald, Meteorologist and Senior Product Manager of CoreLogic. The CoreLogic post-landfall estimates have been updated based on the August 27, 11 a.m. Eastern Standard Time National Hurricane Center (NHC) advisory of the storm. As of last Friday, the storm was not expected to pose an extreme flood risk as it moves east across the country. Wind and storm surge are likely to be the primary causes of property loss initially while tornado activity could occur as the storm progresses. The analysis includes residential homes and commercial properties, including contents and business interruption and does not include broader economic loss from the storm. Hurricane Laura weakened as it moved over land, which safeguarded some metropolitan areas from the full impact of a landfalling Category 4 hurricane. This is represented in the “Hurricane Laura Total Residential Properties Affected by Wind and/or Storm Surge by Saffir-Simpson Hurricane Wind Scale Category” table above as zero values. Certain metropolitan areas will experience multiple categories of storm intensities as properties closer to the coast are likely to experience stronger winds relative to the more inland properties. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Hurricane Laura About Author: Christina Hughes Babb Home / Daily Dose / Hurricane Laura Damage Estimates in the Billions The Best Markets For Residential Property Investors 2 days ago Subscribelast_img read more

Penn State professor with side job as Uber driver accused of kidnapping multiple women: Court records

first_imgPenn State(PITTSBURGH) — A Penn State professor with a side job as a Pittsburgh Uber driver who was arrested this month for allegedly kidnapping two women is now accused of kidnapping a third woman that same night.The third woman spoke with police on May 16, saying that on May 11, she was outside at a nightclub when she saw a car with an Uber decal and jumped in the front passenger seat, according to a criminal complaint filed on Monday.She hadn’t used the Uber app but gave her address and $10 cash to the driver, later identified as 36-year-old Richard Lomotey, according to the criminal complaint.As he drove, the woman said Lomotey kept asking about her relationship status. She said she replied that “she was engaged and did not want to participate in any sexual activities with him,” but claimed Lomotey held and grabbed her wrist during the ride, according to court documents.The passenger said every time she unlocked the car doors, Lomotey would lock them, the documents said.“They began tussling because she wanted to leave the vehicle,” the documents said, and “during the tussle her shirt and bra were ripped.”She told police “she was so afraid she opened the door and jumped from the moving vehicle at an unknown location” and the car sped off.Lomotey was first arrested on May 11 in a similar incident.According to the criminal complaint, two women told police that, early that morning, they were getting an Uber ride home when their driver, Lomotey, ignored his GPS, instead driving an indirect route.Lomotey allegedly asked the passengers if they were single and complimented their appearances. At one point he allegedly pulled over, locked the car and told the victims, “you’re not going anywhere,” according to the criminal complaint.The victims leapt from the car, later showing police a photo of the suspect and his license plate from the Uber app, the criminal complaint said.Lomotey is an assistant professor of information science and technology at Penn State University, according to the school website.Lisa Powers, a spokeswoman at Penn State, told ABC News, “These allegations are deeply troubling and while we gather more information, he has been put on leave and will not be in the classroom. This is a criminal matter and we cannot comment further.”Lomotey, who faces charges including kidnapping and false imprisonment, posted bail on Monday. He is next due in court for a preliminary hearing on May 23.It was not immediately clear if he has retained a defense attorney. Lomotey could not immediately be reached for comment.A spokesperson for Uber did not immediately respond to ABC News’ request for comment, but told the Pittsburgh Post-Gazette his behavior was “unacceptable” and that the company is cooperating with police.Copyright © 2019, ABC Radio. All rights reserved.last_img read more

Briefing

first_img Previous Article Next Article Related posts:No related photos. Comments are closed. BriefingOn 1 Aug 2001 in Personnel Today A round-up of news from the professional journalsInjury prevention The 20,000 UK deaths from injury each year are largely preventable, ahard-hitting report by the BMA says. Among children, death rates from injuriescould be cut by up to 40 per cent if the UK could match European standards. Nursing Times 28 June 2001 Culture change promised for NHS Nurses and other front-line NHS staff will be given the resources, power andinfluence to improve care standards during Labour’s second term, HealthSecretary Alan Milburn told MPs. Nursing Standard June, 2001 Drugs and driving Nearly one-fifth of fatal road traffic accidents are linked to theconsumption of legal drugs such as antihistamines, but nurses are unable toadvise patients on the side-effects due to prescribing restrictions. Nursing Times 22 June, 2001 Hospital or prison? Hospitals subject patients to a level of control and surveillance that makesthem feel like prisoners, a leading cancer nurse has said. Professor JessicaCorner of the Institute of Cancer Research in London, said a “powerfulsense of inhumanity” was enshrined in health care. Nursing Standard June, 2001 last_img read more

Call Congress, oppose gun loopholes

first_imgEmily Ball Jabbour, HobokenEytan Stern Weber, Jersey CityMembers of Hudson County Chapter, Moms Demand Action for Gun Sense in America Dear Editor:Over the coming weeks, PACs, special interest groups, and members of Congress will be pushing two innocuously named pieces of legislation from their agenda: HR 2406, Concealed Carry Reciprocity (CCR), and HR 38, the SHARE Act. These bills would maintain loopholes that circumvent the background checks required to buy silencers, and allow people to publicly carry concealed weapons in any state, as long as their home states’ laws would allow it.Many will say that to discuss gun safety legislation right now is opportunist, given the massacre in Las Vegas. We disagree. The horrific truth is that we’ve seen this before. We’ve seen this eight times this year alone. Innocent people have been killed in one of the grisliest ways imaginable, and “thoughts and prayers” are not enough. But when it comes time to do something concrete, to make sure Americans can go to concerts, and movies, and kids can go to school, the gun lobby says that would be taking advantage of the situation. We can discuss these issues academically and ideologically, but the fact is Americans are dying.It is our right and our patriotic duty to those killed and those we can still save to make sure our laws don’t empower people who put Americans in their crosshairs. Please, call your members of Congress and ask them to vote “No” on the upcoming silencer and CCR legislation. We can and will do better. last_img read more

TOP 50 BAKERY RETAILERS

first_imgMichele Youngretail and brands director, BB’s Coffee and Muffins, No.10We currently have 177 stores throughout the UK and Ireland. This represents an increase on last year as we have opened about 20 new stores in the last 12 months.The main problems we faced in 2007 centred around the industry cost increases and the challenge to ensure that we maintain our value-for-money retail price positioning, which has been key to our success.Our store design is currently under review and will evolve accordingly, as BB’s is very much a place where our customers want to feel relaxed, and we expect to open a further 20-25 stores in 2008 and aim to reach 200 stores next year.The menu is constantly being reviewed to ensure that we meet customer taste preferences and demands. We have some exciting new products in the pipeline for 2008, which suit our customers’ needs.Simon Hargravescommercial director, Pret A Manger, No. 9Overall 2007 was an excellent year, but commodity price pressures – particularly wheat price increases – have dampened our success. We now have 175 shops, an increaseof 21.We expect to have 206 UK shops by the end of 2008. We have an ongoing refurbishment programme to keep our shops fresh and relevant. We also continue to model our shops to suit their local area and customers. For instance, shops in retail areas and shops in worker areas.The menu will evolve, as always, as we focus on taste, provenance and quality.Peter Williamsbakery director, Simmons Bakers, No. 33We have 29 bakery shops at the moment and plan to open another by March.It will be our aim to open one to two a year. We also have a growing wholesale business, which accounts for about 25% of bakery sales.With health trends growing, speciality breads such as the GI loaf are seeing good growth. But doughnuts are still by far our biggest-selling product. We make anywhere between 4-5,000 jam and ring doughnuts a day.The biggest challenge in 2007 was, by far, rising ingredients and fuel costs. We were forced to put a price increase on some of our products in October, on top of our annual increase in April.Kevin Grahamregional director for Europe, Israel and South Africa, Subway, No. 2Subway has doubled its number of stores in the UK and Ireland in the last two years and now has over 1,100 stores. It has plans to open another 1,000 stores in the UK and Ireland by 2010. The level of growth we’ve experienced in the UK and Ireland is a fantastic achievement. It reflects the entrepreneurial spirit of the development agents and franchisees, together with the power of the Subway brand and the strength of its systems, policies and procedures.The chain’s popularity among consumers has seen sales of subs continue to rise – one of the key product advantages is that subs are made up in front of the customer, exactly the way they want them. n—-=== Next year’s Top 50? ===John ChalmersMD, Chalmers Bakery, No. 51We’ve had many highlights this year, particularly the Scotch Pie World Cup. On the downside, we’ve had the usual staffing problems, but we’re lucky because we’re able to employ people from the EU. We now have 17 shops, the same as last year, but one is being refurbished at the moment. We want to make the bakery more modern and attractive to customers.We’re not actively looking for a new site, but if one pops up in the correct location then we’ll take it.last_img read more