Xed CA Newsletter Week Nov 01- Nov 07

8/22/2019 Xed CA Newsletter Week Nov 01- Nov 07

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NEWSLETTER

1 Pages 01st

Nov 2012 07th

Nov 2012 www.xedintellect.com

BUSINESS NEWS

ECONOMIC INDICATORS 2 COVER STORY 3 PERSONALITIES OF THE WEEK 4

CORPORATE INTELLIGENCE 5 NEWS ANALYSIS 6 NEO CORNER 11

NEWS DIGEST

IN BRIEF

PERSONALITIES OF

THE WEEK

CORPORATE INTELLIGE

BSE Sensex18,817

Crude Oil Prices

$108.16(as on Nov 06)

ECONOMICINDICATOR

Indian labour laws hit growth:Kaushik Basu

COVER STORY

Power Unchanged: BarackObama re-elected as President

of the United States

GLOBAL NEWS

Suzuki files for bankruptcy inUS, to focus on emerging

markets

Cristina

Fernndez

a weekly news bulleti

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MISCELLANEOUS NEWS

Join us on Facebook

Sac

P

INDIAN HEALTHCAR

INSTITUTES

PART TWO
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Share markets are sometimes about gambling. Short selling or Shorting is one way in which traders gamble on thvaluations of shares. Shorting is nothing but borrowing shares to sell them with the intention of re-purchasing them atfuture date. This is normally done when it is believed that the share in question is grossly overvalued and is likely tcrash. The gamble is in assuming that it will crash. So if in fact the shares do crash, and they are repurchased pocrash, you pocket a neat profit which is the difference at which they were sold and the price at which they were boughShorting normally requires opening a margin account and collateral must be submitted to cover potential losses. Shorselling can potentially lead to unlimited losses as share prices can rise indefinitely. It is an activity that is normapracticed institutionally or by seasoned traders and should be avoided by new investors.

BSE Sensex 18,817 (gained 55 points over Monday) as on 6 Nov Source: NDTV ProfThe BSE Sensex closed in the green for a fifth consecutive day today gaining up 0.3% from yesterdays close due strong buying near the days close. The gains were also helped by many stocks which moved up on the back of goSeptember earning results.

Crude Oil Prices: $108.16 (Up 0.40%) as on 6 Nov Source: BloombeOil prices rose for a second day in New York as equities gained before Presidential elections in the US, the largeconsumer of crude in the world. The euro erased losses against the dollar, making dollar-denominated assets such acommodities more attractive to investors. Brent may gain in the next three months as stimulus measures bgovernments in the U.S., Europe and China boost global demand, Bank of America Corporation said yesterday.

The Economists all-items index of commodity prices reached a record high early in 2011, 120%above its low in 2008. The index is now 20% below its peak. Since June this year the paths ofood and industrial commodity prices have diverged. Despite falling coffee and sugar prices, thfood index soared to a new high in August after America suffered its worst drought for 25 yearCorn (maize) output is down by 13% this year, to a six-year low, and the soyabean crop is dowby 8%. Metal prices, meanwhile, have been hit by the euro-zone crisis and the slowdown China. Our metals index has lost 9% in a month. Copper prices fell by 7% in October; Chinaccounts for 40% of world copper consumption.

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For all those thinking the UPA 2 government has gone in deep slumber, the news is that they are awake and workineven on a Sunday. UPA 2s belated push for coming back on the governance track was evident last week in the form a reshuffle in the Union Council of Ministers headed by Prime Minister Manmohan Singh. Dr. Singh said this wahopefully the last Cabinet reshuffle before the next general elections in 2014 and described the new council of ministeas a combination of youth, experience and relevance. As was widely believed, several new faces were brought in wi17 of the total 22 names being first timers. The appointment of several young ministers highlighted Rahul Gandhinfluence on the entire process, although he himself chose to stay out of the government to focus on the party. As is ttradition in the Congress, loyalty was rewarded and proximity to the Gandhi clan paid off handsomely for many of th

chosen ones.

The New Look CabinetFormer Law Minister Salman Khurshid was handed the Foreign Ministry, in spite ofcorruption allegations against him, in what many viewed as a message from theCongress to activist turned politician Arvind Kejriwal. M Veerappa Moily has beenmade the new Petroleum Minister with Jaipal Reddy being shifted to the Scienceand Technology Ministry. Veteran Congress leader K Rahman Khan has beenbrought in for the Ministry of Minority Affairs and has been given a cabinet rank.While MM Pallam Raju has been promoted from MoS Defence to the HRD Ministrywith a cabinet rank, former Minister Shashi Tharoor has made a comeback withMoS for HRD portfolio. The crucial Railway Ministry has been allotted to formerParliamentary Affairs minister Pawan Kumar Bansal. Telugu actor turned politicianChiranjeevi has been given independent charge of Tourism Ministry. Congress

spokesman Manish Tiwary has been given a new role, making him Minister of Statewith Independent Charge for Information and Broadcasting.

The MessageWith this last major change in portfolio allocation to ministers, the Congrehas made its intention loud and clear. The Congress has elevated SalmaKhurshid to a crucial ministry in spite of a relentless campaign waged againhim by Kejriwal, firmly indicating that it will not allow its course to be dictataccording to his demands. The Congress has also rubbed salt into MamaBanerjees wounds by inducting her known detractors in Bengal, DeeDasmunshi and Adhir Ranjan Chowdhury into the cabinet. Rahul Gandhchoices have been given ample space in the restructuring with young guJyotiraditya Scindia being given independent charge of Power and Sachin Pilof Corporate Affairs.

MoS Rural Development Agatha Sharma was punished by the NCP for backing her father P.A.Sangma in the race for thPresidents post against Pranab Mukherjee, replacing her with Tariq Anwar, who has been made MoS Agriculture. Tgovernment has sought to overhaul its image with a team that will perform the seemingly impossible task of turning tpopular tide in its favour with efficient and transparent decision making. Echoing this sentiment, PM Singh said Troad ahead is full of challenges. But this is a team, which I hope will be able to meet those challenges."

The ReactionsThe exercise was met with mixed reactions from different sections of commentators. Anti corruption activists criticizethe government for rewarding Salman Khurshid even as grave allegations of corruption have been made against himThe biggest amount of criticism came on the decision to shift out Jaipal Reddy from the Petroleum Ministry, wiactivists as well as the opposition parties asking the government to explain the move. They accused the government bowing to pressure from corporate lobbies, in particularly from Reliance Industries Limited to drive out Mr. Reddy duto his uncompromising stand on the KG D6 gas basin dispute. The absence of even a single face from the eastern stat

apart from Bengal in the cabinet also invited allegations of regional partisanship and neglect against the governmenThe appointment of young ministers to crucial industries was hailed by the media even though it was pointed out ththe average age of ministers in the cabinet was still more than 60 years. The effort to boost decision making througthe appointments was well received by the business community.

What remains to be seen?The present reshuffle is the last major overhaul of the Manmohan Singh cabinet before 2014. This isthe team that must deliver, if the Congress even dreams of making a fight out of the next elections.The economy has to be fixed, governance to be improved and the state of paralysis needs to bebrought to an end. What remains to be seen is whether the government can actually pull it off or willIndia remain in a state of animated suspension until 2014.


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Cristina Fernndez de Kirchner- President of ArgentinaMaking records and breaking them is not easy; and people who do so more often than nmake headlines. As the 55th and first elected female President, Cristina Fernndez is one superson. A former First Lady, Fernndez has been in the news for her outspoken promotion Argentinas claim on the Falkland Islands, her covert clampdown of Argentinas independemedia and more recently, for her move to reduce Argentinas voting age from 18 to 16 yearsmove which critics say is aimed at wooing young voters who support her policies-ahead of th2013 elections. Her popularity stems from the fact that under her Presid ency, Argentinaeconomy is flourishing and the countrys poverty rates have fallen.

Fernndez was born in 1953 in Buenos Aires (a Province of Argentina). In the 1970s, as student of the National University of La Plata, she studied law and politics and was sympathizer of the Peronist Movement (a third position ideology which aims to mediatensions between the classes of society). She entered politics in 1989 when she was elected the Santa Cruz Province provincial legislature. While she went from strength-to-strength in tpolitical arena, her husbands (Nstor Kirchner) political career also flourished and he madesuccessful bid for the presidency in 2003. Often compared to Bill and Hillary Clinton, the powcouple had massive support from the Argentinean masses and it was on this support thFernndez rode the victory wave in the 2007-Presidential elections.

In recent years, Fernndezs popularity has waned. Skirmishes with the nations powerfagricultural sector and her implementation of unpopular policies like curbs on imports an

foreign-exchange transactions have reduced the number of her supporters and loyalists. Trecover from the economic crisis of 2001, the harsh steps Fernndez implemented led persistent and under-reported inflation which is not in tune with her Peronist ideologies. staunch supporter of human rights, her presidency saw Argentina become the first LatAmerican country to legalize same-sex marriages. Well known for her public speaking skilher speeches appeal to her audiences emotions. Fernndez is famously passionate aboclothes and is known to spend excessively on them-an indulgence which has drawn criticisfrom both the media and the political world as there have been instances where she arrivelate for meetings with international leaders because she was getting dressed. However, inspof all her shortcomings, her hunger for power is unquestionable and political analysts say th

it will be hard to stop Cristina Fernndez from doing whatever she pleases.

Sachin Pilot-MP & MoS with Independent Charge-Corporate AffairsSmart, tech-savvy, uber-cool, charismatic, etc are some of the words which come to miwhen Sachin Pilots name is mentioned. This MP from the Ajmer constituency of Rajasthan wappointed as the Minister of Corporate Affairs in the recent Cabinet reshuffle. As a fresappointee, he has vowed to bring transparency in the working of the ministry and carry out investigations related to Indian companies in an unbiased manner. Pilot also has the distinctioof becoming the first Union minister to be commissioned as a regular officer in the TerritoriArmy-a dream which was intensely cherished by him.

Pilot was born in 1977 in Uttar Pradesh. His father, Rajesh Pilot, was a highly respected UnioMinister of India. Pilot studied English Literature from St-Stephans college (Delhi Universitand graduated with Honours. He went on to work at the Delhi Bureau of BCC before moving to General Motors Corporation. Armed with a spectacular work experience, Pilot earned hMBA degree from the Wharton Business School, specializing in multinational management anfinance. He contested his first election in 2004, won with a huge margin of 1.2 lakh votes anbecame the youngest Indian MP at the age of 26. A young and dynamic leader, Pilot is we

connected to the people of his constituency, taking a keen interest in issues that affect thfarming community. A firm believer in the fact that India can reach great heights if it makegood use of its disproportionately young demographic dividend, Pilot focuses his energies oenabling young people to avail better social and economic opportunities and encourages theto take an active part in public life.

Keeping true to his surname, Pilot is fond of flying and has a private pilot license from USThoroughly well-versed about Indian castes and communities (the staple diet of Indipolitics), Pilot has a firm grip on the subtleties of the caste equation in the countrys cow beknowledge which he credits to his intense travelling habits. In recognition of his commitment society, Pilot was selected as one of the Young Global Leaders by the World Economic Forum 2008. An enthusiastic sportsman, Pilot was a national-level shooting champion and he skeeps in touch with his passion. His other interests include playing squash, watching movieand travelling.

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Our society needs

women to be more

numerous in

decision-making

positions and in

entrepreneurial

areas. We always

have to pass a two-fold test: first to

prove that, though

women, we are no

idiots, and second,

the test anybody

has to pass.

"We don't want to

be seen as a

department that

dictates to the

corporate sector

what is to be done.

They are equally

responsible and

sensitive to the

needs and

aspiration of a

growing economy

(After hisappointment as MoS-

Corporate Affairs)


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Apollo HospitalsApollo is one of the oldest and leading hospital chains in the country with a presence in Asiancountries like Bangladesh, Nepal, and Kuwait amongst others. Armed with five thousanddoctors, eight thousand nurses and cutting edge technology in medical science, Apollomanages around eight thousand beds and serves thousands of patients in a day. On anaverage, Apollo treats around 190 critical patients, 140 cardiac diseases, 50 neurologicaldisorders, conducts 600 dialysis; 40,000 lab tests and has 7000 outpatient volumes. Apartfrom hospitals, the group is also present in businesses like health insurance, pharmacies,diagnostic clinics, business process outsourcing (medical-BPO), telemedicine, medicalequipment sourcing and supply chain management of medical goods.

Apollo has seven hospitals across the world (6 in Indian metros & 1 in Dhaka) that have received Accreditation from thprestigious Joint Commission International, and the institutes success story has also made it into the books of HarvaBusiness School. Apollo Group also owns Indias largest telemedicine institute that has around 70 centres across tcountry, helping patients via cell-phones and internet in remote locations.

Fortis Healthcare Fortis healthcare has grown rapidly under the leadership of the Singh brothersShivinder & Malvinder since its inception in the early 2000s and has operations Australia, Vietnam, Hong Kong, Singapore and few other countries. Fortis growth majorly due to properly coordinated organic and inorganic expansion plans. In the pa11 years, Fortis has acquired hospitals from Escorts chain, Chennai based Malhospitals, Mumbai based Wockhardt Group, and also has acquired stakes in Singapobased Parkway Holdings, RadLink-Asia and Super Religare Laboratories.

Fortis holds 48% share in Indias diagnostic clinic markets and generates majority of its revenues from Cardisciences. Apart from this, the group earns fifty percent revenues from its domestic business and around 28% of comes from the Australian continent. The healthcare company is focusing on increasing its presence in the Asia-Paciregion and has ambitious plans to acquire few more international healthcare companies as the healthcare industry that region is growing at a rapid rate of around 25%.

Max Healthcare InstituteThe wholly owned subsidiary of publicly traded, Max India, Max Healthcare is one of theupcoming hospital chains in India. It launched its first OPD centre in 2000, and since thenit is growing at a steady rate. Unlike Fortis, Max healthcare has grown through an organicroute, setting up hospitals and diagnostic clinics across the country.

The institute treats over 35,000 foreign tourists in a year in its hospitals with expertise inover thirty medical disciplines. The institute does not have any operations in international territories, and sources clathat the management team is not so keen on expanding its presence by acquisitions. Apart from the normal medictreatments like cardiac, orthopedics, neurosciences, Max Healthcare also specializes in treatments like internmedicine, nuclear medicine, nephrology, mental health and behavioral sciences, rehabilitative services, anpulmonology. Max Healthcare has sister companies in businesses like life & health insurance, clinical research anmanufacturing of packaging films.

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1) Ripped apart by financial crisis, Greek society in free-fall Washington Post/ ETIMPACT: Four years of economic recession has ruined the social fabric of the Greek society and has changed the waof life as Greeks know it. Inspite of receiving a bailout package of 240 billion ($313 billion) the situation has hardimproved and the Greek economy is predicted to shrink by 4.7%. With unemployment close to 25%, Greek youth haan uncertain future looming ahead of them. Corrupt politicians, tax evasion bythe countrys elite and rising popularity and acceptance of an extreme right -wing fringe group-Golden Dawn-which has been involved in violence againstimmigrants, has made the society unsafe. The countrys suicide rate, whichused to be the lowest in Europe, has increased by 40% as more people are

ending their lives citing their inability to support their families. The number ofGreek citizens turning to NGOs for healthcare treatment and giving up theirchildren for adoption has also increased.

KEY PLAYERS: Greek Government, Greek society

WHY IS IT IMPORTANT?Without economic growth, Greece cannot boost itsincome, pay off its debts nor make lives better for its citizens. Without furtherhelp from the rest of Europe, Greece will be forced to exit the Euro. Fed upwith rising unemployment and falling living standards, a large percentage of Greeks have also been clamouring forEuro-zone exit which makes implementation of further austerity measures almost impossible. If it does exit the Eurreintroduction of the Greek Drachma in the country is almost certain inspite of facing the risk of the currency beidevalued quickly and radically-making it even harder for Greece to repay its debts.

2) Tata Sky plans to raise Rs 2000 crore via IPO ETIMPACT:The Indian Governments move to digitize the cable network in gradual phases will greatly boost the revenuof Tata Sky and its competitors. With Dish TV already listed and Videocon D2H also planning to raise money through aIPO, things are beginning to look up for this industry. According to a Frost & Sullivan report, India is the 3rd largemarket for cable TV penetration in the world and the recent changes in Government rules along with possible increa

in FDI inflows and consolidation will drive 30% growth for digital cable 2015. Tata Sky has 13 million subscribers and this will help in getting tcompany a decent valuation.

KEY PLAYERS:Tata Sky, digital cable industry

WHY IS IT IMPORTANT? Government mandated digitization proposed to be a win-win situation for all stakeholders in the televisiobusiness as consumers will be able to view better quality channels a

digital cable companies will see a multi-fold spike in opportunities. PhaII of cable digitization is targeting 38 cities in 15 states by 31st mar2013. Banks such as SBI are positive on and are backing players such

Hathway and Dan Network. With the market giving such positive vibes and conditions from all over the countbecoming increasingly conducive, Tata Skys IPO is on its way to becoming a success and the company can finally hoto make sizable profits.

3) Indian labour laws hit growth: Kaushik Basu (World Bank Chief Economist) The Indian ExpressIMPACT:Indian labour laws do not hold a favourable position in the eyes of many reputed bodies. Since 2008, WorBank has criticized the complexity, lack of modernization and flexibility in Indian regulations. A 2007 article in ThEconomist finds India to have the most restrictive labour laws in any major economy of the world. Studies have fouthat rigid labour laws in India have partly been the cause of lowemployment growth, the large unorganized sector, an extensiveunderground economy, the use of casual and child labour and low per capita

income. Scholars argue that the countrys inflexible labour lawsdisincentivize new entrepreneurs to start their own companies anddiscourage existing entrepreneurs to hire additional workers. The laws arealso found to cripple Indian firms ability to expand or adjust with changes inthe global economy.

KEY PLAYERS:GoI, Indian labour market, Indian companies

WHY IS IT IMPORTANT?The World Development Report of the World Bank has said that small Indian towns have tpotential to become employment generating centres if Indian labour laws are made flexible. Tier-II and Tier-III citiare attracting the attention of many companies and according to a study by ASSOCHAM, 60% of the jobs created in tcountry in 2011 were in small and medium cities. IT companies are also interested in locating some of their businessin the hinterland as the real estate and work force is cheaper there than in the cities. Thus, there is a need for thgovernment to get actively involved and bring about much-need reforms in Indian labour laws.

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4) Wipro separates its IT & non-IT business to follow SEBI mandate BS/ET/LivemintIMPACT: Azim Premji promoted Wipro has decided to de-merge its tech and non-tech business in order to manage tmassively growing IT business effectively. The step taken is also seen as a measure by Indias third largest IT giant tcomply with the latest instructions by the Securities Exchange Board of India to have a minimum 25% pubshareholding in listed companies. The de-merger will be effective in retrospective manner from April 01, 2012; but thlegal process will be completed by FY-14. Wipro Ltd (WL) a listed company, will comprise of the IT & BPO businessand the Wipro Enterprises (WE) an unlisted entity, will comprise of its consumer care & lighting; infrastructu

engineering, medical diagnostic products & services businesses.

Azim Premjis shareholding will likely reduce from the current 78.2 percent to 75.7%, whi

will be in line with SEBI mandate. The company has given three options to its curreshareholders:

1 equity share face value Rs. 10 of WE for 5 equity shares face value Rs. 2 of WL 7% redeemable preference shares in WE face value Rs 50 for every 5 equity shares of WL Exchange equity shares of WE & receive equity shares of WL the exchange ratio

1:1.65 equity shares (Wipro Ltd: Wipro Enterprises)

KEY PLAYERS:Wipro, SEBI

WHY IT IS IMPORTANT? Unlike other IT majors, Wipro is not struggling with its revenues due to the globslowdown. This can be seen as the company posted higher than expected 24% profit in the second quarter whicsurprised analysts. Wipro has overhauled its business since last January when TK Kurein was appointed as thcompanys joint CEO. He re-structured the business and segregated it into smaller divisions with second-tier leadeindependent to take decisions for their business.

5) Volkswagen Group to re-position Skoda below Volkswagen IE/Moneycontrol.comIMPACT: German automobile manufacturer, Volkswagen AG will reposition the Skoda brand in India below Volkswag which will be in line with the companys global business strategy. Internationally, Skoda is placed below tVolkswagen brand of premium cars; however, in India the Czech Republic based Skoda is positioned above the Germacars. Volkswagen owned Audi is in luxury segment and Skoda & Volkswagen both are premium segment carVolkswagen offers seven models in India Polo, Vento, Jetta, Passat, Phaeton, Touareg and Beetle. While Skoda hfive models in the country - Fabia, Rapid, Laura, Superb and Yeti. With this decision, the company may have mapped India specific and global strategies, however, consumers are not so excited with the latest developments. Skoda, whiis placed at the higher side of the premium segment, is likely to see a fall in its sales and the current owners of Skodmodels might also turn up selling the cars. Besides future consumers are of the opinion that, repositioning the brandsynonymous to decreasing its price at the cost of the cars features and quality.

KEY PLAYERS:Volkswagen, Skoda

WHY IT IS IMPORTANT? Volkswagen is trying toexpand its presence in the highly competitive autoindustry in India. With the launch of entry level sedansthat are positioned and priced near premium segmenthatchbacks, Volkswagen has seen a fall in sales. Thecompany is also not planning to introduce its new smallcar model Up! In India before 2015 since the businesscase for the country is not positive.

6) HSBC to restructure Consumer Banking & Wealth Management business in India TOI/LivemintIMPACT: After the Economic Times report stating HSBC India will briefly stop selling mutual funds and insurance forbrief period of time owing to reports of miss-selling the products; the bank has made a press statement mentioning ththe businesses are being restructured to meet SEBIs impending guidelines. It was earlier reported by ET that a tea

from HSBCs headquarters had found out about malpractices in selling insurances and mutual funds in its CulturAudit. The global bank had asked the Indian staff to stop selling until they clear most of the consumer complaints. Instatement by HSBC, the bank is selecting an advisory model and shall shift the incentive system from gross-sales basto net sales based. The new incentive practice will be adopted to bring more accountability and customer focus. R

regulates HSBC in India but its two businesses are monitored by two different independebodies.

KEY PLAYERS:HSBC India

WHY IT IS IMPORTANT?Worlds third largest bank, HDFC has been involved in many financscandals lately. It is under scrutiny on money-laundering charges filed by the US governmenThe bank is likely to face a fine of around USD 1.5 billion for the same. In July, its India stawas also under investigation for their failure to play the role of offshore reviewers.


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7) BBC Entertainments pull-out exposes hidden mysteries in the Indian TV & News channel market Moneylife/LivemintIMPACT: The general entertainment channel of the UK based BBC; BBC Entertainment will shut its operations in Indby November this year along with its CBeebies brand a kids entertainment channel. The reason - the Indian televisiobroadcasting industry is highly fragmented and is occupied by a huge number of free channels that has financibacking from politicians and businessmen. This makes it difficult for the paid TV channels to earn revenues as thoperating cost is high and gains from advertising are not up to the mark. After months of operations in India, senimanagement of BBC took the harsh decision as it was increasingly becoming in-feasible to sustain a pay TV channel inmarket which is dominated largely by free TV channels. A report compiled by Moneylife shows the state-wise presenof politicians in the TV broadcasting business:

1. Kerala: CPI-M owns Kairali TV and People TV. KPCC, along with four businessmen own a combined stake of 26in Jai Hind TV2. Tamil Nadu: Grand nephews of Karunanidhi, Marans, control Sun TV, Sun News, KTV, Sun Music, Gemini T

amongst other channels. Jayalalitha owns Jaya TV and Karunanidhi controls Kalaignar TV3. Karnataka: Rajeev Chandrasekhar, an independent MP, controls Asianet and Asianet Plus (Malayalam), Suvar

(Kannada), Vijay (Tamil) and Sitara(Telugu). The Reddy brothers from Bellary own Janashri and Kannada daily ENamma Kannada Nadu

4. Maharashtra: The Darda family controls IBN-Lokmat and Lokmatnewspaper. Shiv Sena Chief Balasaheb Thackeray is the editor of partymouthpiece Saamna. Sharad Pawar family controls Marathi daily Sakaal andalso owns Sam TV

KEY PLAYERS:BBC Network, BBC Entertainment

WHY IT IS IMPORTANT? The Indian TV broadcasting market is filled with poorquality channels getting funding from dubious sources. Thus, better qualitychannels have to resort to paid programs which increase their costs substantially. Also, politicians manipulate news their favor and use the news channel as a tool against opposition parties.

8) Banks scramble to cash in on festive season, while house prices continue to soar - ET/Hindu Business LineIMPACT: All major banks in India are preparing to attract customers this festive season. Central Bank of India hareduced processing fee on home and auto loans to zero and will organise realty exhibitions in 100 cities in cominmonths. ICICI Bank has gone one step further announcing cash back of one per cent of the monthly instalments ohome loans at regular intervals. Corporation Bank is also holding property expos and has launched a combo offer whiallows customers to get an additional 0.25 per cent reduction on auto loan, if they also take the home loan. Howevehome prices have gone up by 24.1 per cent y-o-y in the September quarter. In metros, this rise is steeper. More th80,000 flats still remain unsold in Mumbai and the NCR region is no more recognized as the fastest-growing marke

According to analysts people cannot be lured to invest in property at such price leve

just by lowering the interest rates on loans.

KEY PLAYERS: Banking industry

WHY IT IS IMPORTANT? Banks are forced to concentrate on smaller retail loans their rising non-performing assets (NPAs) have made them risk-averse. It is safer provide smaller loans than a huge loan to a single corporate account. That is whome loans account for nearly half of the total retail banking industry.

9) Another major patent setback raises worries for foreign pharma companies in India ReutersIMPACT: International pharmaceutical industry has received yet another blow from the Intellectual Property AppellaBoard (IPAB) of India. The board has revoked a patent granted six years ago on Roche's hepatitis C drug Pegasys. felt that neither the drug was any better than existing treatments nor was its pricing just. Roche now has an option appeal against the decision in Supreme Court. It may be recalled that, just a few months ago, India had grante

compulsory licence to domestic drugmaker Natco for selling cheaper versions of Bayer's cancer drug Nexavar. Sudecisions have heightened the tensions between New Delhi and global pharma-majors. Multinational drug processorealize that India's $12 billion drug market cannot be ignored. However, these companies are wary of the laintellectual property laws in India. Generic medicines account for more than 90 percent of sales of medicines in India.

KEY PLAYERS: IPAB, Roche

WHY IT IS IMPORTANT? Pegasys was the first medicine to win patent for apharmaceutical product in 2006 under India's new patent regime. The market price ofPegasys is 436,000 rupees for a four year treatment. Hence, some people in the industrybelieve that the decision should be welcomed as a disease like hepatitis C generally hits themost vulnerable in society. However, it remains to be seen if such decisions would impactthe research and thus investment by foreign pharma companies in India.


9/13

10) Heavy incentives fail to boost truck sales- DNA/ETIMPACT: Sales of heavy commercial vehicles like Buses and Trucks have dropped 24 per cent in October. Heavdiscounts offered in the festive season and new launches by Tata & Bharat Benz have failed to revive the segmenAshok Leyland has increased discounts on its trucks to 60,000. Tata Motor & Eicher, which also operate in tintermediate commercial vehicle (ICV) category (Trucks with 8-14 tonne capacity) are offering discounts up to 1

lakh. Still the sales have not been satisfactory. The sharpest fall was witnessin the multi-axle trailer category, which dropped almost 40% year on yeaAnalysts and manufacturers believed that the slowdown in commercial vehicsales was cyclical as usual and that it will revive in the month of OctobeHowever, that did not happen. While diesel prices have gone up impacting t

sales in LCV category, the slowdown in M&HCV (medium and heavy commercvehicle) segment is largely due to economic environment in the country.

KEY PLAYERS: HCV manufacturers

WHY IT IS IMPORTANT? Despite slump in sales back home, Tata Motobecause of its diversified portfolio has been able to perform well in overseas market. Morgan Stanley has upgraded TaMotors to 'overweight' from 'equalweight'. The rating agency believes that M&HCV will hit trough in the next six monthMorgan Stanley has also predicted cyclical recovery for underweight Ashok Leyland which has been now upgraded 'overweight' status.

11) Suzuki files for bankruptcy in US, will now focus on emerging markets- BS/ETIMPACT: Suzuki is planning to focus more on its business in emerging economies like India & South Asia as its U

based unit is filing for bankruptcy. The automaker has been importing cars from Japan to the US, but as Japanescurrency inflated against the dollar, demand for Suzukis cars (which have the lowest share in US market) reducefurther. However, the company will continue to sell its motorcycles, ATVs (all terrain vehicles) and motor boats in UOn the other hand, in India, the company is in driving position. Maruti Suzuki controls 42 percent of the IndiaPassenger Vehicle market. In terms of unit sales, its India business alonecontributes to 40 per cent of global sales. However, the pressure hasincreased in recent times due to success of new players in the market. Thecompany will raise annual capital expenditure to about 200 billion yen($2.5 billion) over the next five years from about 120 billion yen in the pastfive-year period. These investments will help it expand manufacturing inIndia, Hungary and Thailand.

KEY PLAYERS: Suzuki Motors

WHY IT IS IMPORTANT? Barring Honda and Toyota, Asian carmakershave achieved very limited success in US. Suzukis exit has come afterSaab Automobile and Isuzu Motors, who also failed to impress the Americans. Suzukis departure will leave MitsubisMotors as the smallest Japanese automaker selling vehicles in the US. Mitsubishis sales this year have fallen 29 pcent to 50,103, reducing its market share to 0.4 per cent from 0.7 per cent.

12) Mahindra Holidays acquires 49% stake in IHGCL, adds resort - BS/ETIMPACT: Mahindra Holidays & Resorts India Ltd (MHRIL) has announced to acquire 49 per cent stake in InfiniHospitalities Group Company for an undisclosed sum. This has provided MHRIL an opportunity to enter Bangkok wheit will now jointly own the new resort. Centrally located in the Bangkok business district, the new property called 'M

Boutique Suites' is a 77-room full service resort. The resort provideasy access to a wide array of shopping, entertainment, museums ainternational cuisines.

The bookings are available to members of Club Mahindra at a nominaccess fee under a special arrangement. The resort will also cater outside travellers. This acquisition is in line with the companys strateto enter regions that match Indian tourists interests. Hence, apart froBangkok, MHRIL has been on a lookout for such opportunities locations like Dubai and Sri Lanka. Other international destinatiowhere Mahindra Holidays operates resorts include Thailand, Malaysand Austria.

KEY PLAYERS: MHRIL

WHY IT IS IMPORTANT? MHRIL has added 781 rooms across the resort network in last 10 months. With this additithe resort count at Mahindra Holidays stands at 43. Shares of Mahindra Holidays & Resorts India were trading at Rs 28on the BSE, down 1.58 per cent from its previous close.


10/13

13) Power Unchanged: Barack Obama re-elected as President of the United States TOI/NDTV/IBNIMPACT: Barack Obama, the soft spoken Democrat, has won the Presidential elections for the second time in tUnited States over Mitt Romney the aggressive Republican, in the process creating history as a Democrat holdinPresident Office for two consecutive tenures since World War II. Obama has assured his people that he will work fthe middle class and towards the American dream. There were several factors that worked in favour of USAs firAfrican American president. The credit of his victory also goes to the team who designed his presidential campaigwhich initially defined Romney in negative light and then introduced Obama as the face of the common AmericaMajority of the Americans blame George W. Bush and not Obama for the bad economicconditions. Also other reasons like improving economic and job conditions, Romneys

association with Bain Capital where as a consultant he fired several employees forcost cutting measures and handling the Osama Bin Laden situation effectively helpedObama win elections.

KEY PLAYERS:US President, Barack Obama, Mitt Romney

WHY IT IS IMPORTANT? America is the only superpower which is slowly and steadilyemerging from the world economic crisis compared to others that are still struggling tomanage their sky high debt. Obamas election as the president will have a huge impacton the Indian outsourcing industry as he is driving the agenda of cost leverage model which includes forcing companies to increase their US workforce. The cost of US labour is thrice that of an Indian which decreases the promargins of these companies.

14) Canadian PM Stephen Harper visits India, 14 major deals in the spotlight CBC/Reuters/ The Star

IMPACT: CanadianPrime Minister Stephen Harper's week-long visit ending on Nov 9 has come at a time when tIndian government is entangled in a bitter tax dispute with the British telecom operator Vodafone Group. Harper, befoflying to India, discussed his Agenda with media persons laying special emphasis on bringing Indo-Canadian trade toright balance. Currently, Canada feels that the balance is tilted towards India. The key issues like foreign investmeprotection treaty and Canadian exports of uranium to India are expected to be discussed during the meet. However, tCanadian officials have hinted that a consensus on both or any of these issues is unlikely to be build before 2013. TIndian government has currently paused all its negotiations with other countries on foreign investment protectioagreements after Vodafone threatened the Indian government with arbitration proceedings. However,14 major dea

worth $2.5 billion of investment are still expected to be inked.

KEY PLAYERS: Stephen Harper

WHY IT IS IMPORTANT? Canadas International Trade Minister Ed Fast hstated that investment environment in India is quite opaque and does little

convince business community in Canada to see India as an investmeopportunity. Current bilateral trade between the two countries is about $5billion, but both governments hope to increase that to $15 billion by 2015. On tother hand, the nuclear cooperation agreement with Canada (signed in 2010) stuck on the issue of safeguards. Canada is not convinced with Indias argumethat it answers to IAEA and hence additional tracking of Uranium is not required

15) Top Brands that became generic: Band-Aid, Vaseline, Xerox, Aspirin, etc - CBS NewsIMPACT:A generic trademark, also known as a genericized trademark or proprietary eponym, is a trademark or branname that has become the generic name for, or synonymous with, a general class of product or service, against thusual intentions of the trademark's holder. Some brands become so popular that they become part of our everydalexicon. By completely dominating markets (either when they were introduced or when they came into the limelight duto changing technology and changing needs) brands such as Band-Aid, Xerox,Google, etc have made the leap from being just a product to being a part of

peoples vocabulary. Some brands have become such common terminology thatthey are even defined in the Oxford Dictionary (E.g.-Hoover, Jell-O, etc)

KEY PLAYERS:Marketing focussed companies, Copyright & Trademark awardingbodies

WHY IS IT IMPORTANT?Though generic branding is often viewed as being goodfor the company, this is not always the case. Because once a brand name becomesgeneric, it becomes nearly impossible to control or protect the trademark. And ifcompanies fail to renew their trademarks regularly, they might lose the rights totheir brand name forever. Also, once a word becomes legally available to thepublic, companies find it very hard to get back the legal rights. E.g. - Brands like Yo-Yo and Escalator were onprotected, but now their marks are defunct. However, for brands like Apples iPod, which dominate consumers thoughwhen they make their purchasing decisions, the leap to generic terminology is good as it leads to increased sales.

MMMIIISSSCCCEEELLLLLLAAANNNEEEOOOUUUSSS NNNEEEWWWSSS
http://www.cbc.ca/news/business/story/2012/11/05/pol-trade-deals-india.htmlhttp://www.cbc.ca/news/business/story/2012/11/05/pol-trade-deals-india.htmlhttp://www.cbc.ca/news/business/story/2012/11/05/pol-trade-deals-india.html


11/13

Windows8 Microsoft Adapts to new realities

Continued from last week

UEFI instead of Bios

Windows 8 supports a feature of the UEFI specification known as "Secure boot", which uses a public-key infrastructu

to verify the integrity of the operating system and prevent unauthorized programs such as bootkits from infecting thdevice. Despite the security benefits of the feature, Microsoft faced criticism (particularly from free softwasupporters) for mandating that devices receiving its optional certification for Windows 8 have secure boot enabled bdefault using a key provided by Microsoft. Concerns were raised that secure boot could prevent or hinder thinstallation of alternate operating systems such as Linux, or that future computers could outright restrict the use of aoperating system but Windows using secure boot. In response to the criticism, Microsoft developer Tony Mangefesstated that "At the end of the day, the customer is in control of their PC. Microsofts philosophy is to provide customewith the best experience first, and allow them to make decisions themselves." (Source : Wikipedia)

Business Implications:

Perhaps the most important implication of Windows 8 is the fact that Windows 8 Pro comes with Office 2013, thmaking it especially useful for enterprise usage. No doubt high flying executives are in love with their ubiquitous iPadhowever the iPad is rather restricted when it comes to enterprise use, mostly for viewing and sending emails or takinnotes. Which is why Windows 8 equipped tablets like the Surface will have a definite edge over Apple. Apple has alwahad problems entering the enterprise market where Microsoft has always been a dominant player. With the focus otouch and thus tablets, Windows 8 could mark an important event in the enterprise computing market. SurfacMicrosofts Tablet comes with a keyboard, keeping in mind that the era of desktops is not quite over.

Consumerization drives most of Apples designs, however, this means that the needs of the modern office are nexactly kept in mind. Microsofts experience in the office technologies market shows in the design of Windows 8 aSurface. RIM could have been a major competitor, but with its recent setbacks and lack of clarity in coming out wisomething new for the enterprise market has meant that very few have any expectations from RIM. Googles Androidstill fragmented and it hasnt really targeted enterprises though it is something that they are working towards. For nothe advent of the Surface and Windows 8 leaves some interesting opportunities for Microsoft to exploit.

Future Trends

What is clear is that how tech firms view the computing market is now governed to a large extent by the advent omobility technologies. Touch input makes interacting with technology far more intuitive. However, the utility factor is tnow largely limited to general entertainment use. Working on a tablet for long hours is still not a pleasant experienceyour job involves typing a lot. High end applications like CAD/ CAM or Photoshop still require high powered desktopAnswering emails and taking notes is just not enough for workplace requirements.

Surface and Windows 8 are steps in a direction most techcompanies have ignored. The importance on cloud in Windows8 also points to the gradual acceptance of cloud basedapplications as default options. As for gamers, it matters little

as most games require either a console or a computerpowerful enough to control a nuclear reactor. It would beinteresting to note how the developer community and gamersreact to Windows 8, as most gamers need Windows to runtheir PC games.

A world where touch and voice are truly exploited to give aseamless augmented reality experience is still a while away.However, that world is coming nearer with each passing day.Is the technological singularity near? Maybe we are alreadythere!

NNNEEEOOO CCCOOORRRNNNEEERRR PART TWO


12/13

SOURCES

Charts & Graphs:http://www.economist.com/node/21563412

SOURCES FOR COVER STORYhttp://articles.timesofindia.indiatimes.com/2012-10-28/india/34779455_1_mm-pallam-raju-new-ministers-cabinet-ministershttp://www.ndtv.com/article/india/cabinet-reshuffle-upa-s-team-2014-takes-charge-285510http://www.ndtv.com/article/cheat-sheet/cabinet-reshuffle-today-salman-khurshid-to-be-the-new-external-affairs-minister-285177http://thestar.com.my/columnists/story.asp?col=indiadiary&file=/2012/11/4/columnists/indiadiary/12258578&sec=India%20Diary

SOURCES FOR PERSONALITIES OF THE WEEK:http://en.wikipedia.org/wiki/Cristina_Fern%C3%A1ndez_de_Kirchnerhttp://www.forbes.com/profile/cristina-fernandez/http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.infoplease.com/biography/var/cristinakirchner.htmlhttp://www.mtholyoke.edu/~carve22r/classweb/eightwomen/ckbiography.html#ELhttp://www.bbc.co.uk/news/world-latin-america-12284208http://www.economist.com/node/21563732?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.economist.com/blogs/americasview/2011/10/argentina%E2%80%99s-presidential-election?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://en.wikipedia.org/wiki/Sachin_Pilothttp://164.100.47.132/LssNew/Members/Biography.aspx?mpsno=4058http://www.preservearticles.com/2012012521463/short-biography-of-sachin-pilot.htmlhttp://sachinpilot.gov.in/biography.html

http://articles.economictimes.indiatimes.com/2012-10-30/news/34817217_1_corporate-governance-sachin-pilot-corporate-sectorhttp://www.dnaindia.com/india/report_sachin-pilot-commissioned-as-territorial-army-officer_1737552http://www.businessstandard.co.in/india/news/caste-innew-mould/155843/&

CORPORATE INTELLIGENCE:

http://www.apollohospitals.com/http://www.apollohospitals.com/apollo_pdf/Annual_Report_FY_March_2012.pdfhttp://www.apollohospitals.com/apollo_pdf/Apollo_Investor_Presentation_August_2012.pdfhttp://en.wikipedia.org/wiki/Apollo_Hospitalshttp://www.fortishealthcare.com/http://www.fortishealthcare.com/india/UserFiles/Fortis-Healthcare-Limited-16th-Annual-Report-2011-12.pdfhttp://fortishealthcare.com/india/UserFiles/Fortis-Investor-Presentation-Oct-2012.pdfhttp://en.wikipedia.org/wiki/Fortis_Healthcarehttp://www.fortishealthcare.com/global.htmlhttp://www.maxhealthcare.in/index.php

http://en.wikipedia.org/wiki/Max_Healthcarehttp://www.business-standard.com/india/news/max-healthcare-expanding-horizons/452711/http://www.business-standard.com/india/news/max-healthcare-appoints-ajay-bakshi-as-ceo/149994/onhttp://economictimes.indiatimes.com/max-india-ltd/directorsreport/companyid-13435.cms

SOURCES FOR NEWS ANALYSIS (1-15)

1) Ripped apart by financial crisis, Greek society in free-fall Washington Post/ EThttp://articles.economictimes.indiatimes.com/2012-11-01/news/34857623_1_athens-international-rescue-loan-packages-eurozone-countrieshttp://www.washingtonpost.com/business/ripped-apart-by-financial-crisis-greek-society-in-free-fall/2012/11/01/c425c2cc-23f7-11e2-92f8-7f9c4daf276a_story.htmlhttp://en.wikipedia.org/wiki/Greek_government-debt_crisishttp://www.bbc.co.uk/news/business-13798000http://www.huffingtonpost.com/david-fearnhead/protecting-wildlife_b_1997393.html2) Tata Sky plans to raise Rs 2000 crore via IPO EThttp://articles.economictimes.indiatimes.com/2012-10-31/news/34837578_1_tata-sky-ipo-process-sources-with-direct-knowledgehttp://money.livemint.com/News/IPO/IPO/NEWS/209616.aspxhttp://money.livemint.com/News/IPO/IPO/NEWS/209892.aspxhttp://www.indiantelevision.com/headlines/y2k12/nov/nov1.phphttp://www.moneycontrol.com/news/market-outlook/cable-digitization-sbi-cap-betshathway-den-networks_773790.htmlhttp://www.moneycontrol.com/news/special-videos/digitisation-is-win-win-across-television-biz-experts_777016.html3) Indian labour laws hit growth: Kaushik Basu (World Bank Chief Economist) The Indian Expresshttp://www.indianexpress.com/news/labour-laws-hit-growth-kaushik-basu/1027050/http://www.indianexpress.com/news/-flexible-labour-laws-will-make-small-towns-the-job-generators-/1027286/http://en.wikipedia.org/wiki/Indian_labour_lawhttp://en.wikipedia.org/wiki/Labour_in_Indiahttp://www.indianexpress.com/news/small-cities-grab-60--of-new-jobs/774706http://blogs.wsj.com/indiarealtime/2012/02/22/it-company-goes-knocking-on-small-town-doors/4) Wipro separates its IT & non-IT business to follow SEBI mandate BS/ET/Liveminthttp://www.business-standard.com/india/news/wipro-demerges-business-to-formnew-non-it-firm/491434/
http://www.economist.com/node/21563412http://www.economist.com/node/21563412http://articles.timesofindia.indiatimes.com/2012-10-28/india/34779455_1_mm-pallam-raju-new-ministers-cabinet-ministershttp://www.ndtv.com/article/india/cabinet-reshuffle-upa-s-team-2014-takes-charge-285510http://www.ndtv.com/article/cheat-sheet/cabinet-reshuffle-today-salman-khurshid-to-be-the-new-external-affairs-minister-285177http://thestar.com.my/columnists/story.asp?col=indiadiary&file=/2012/11/4/columnists/indiadiary/12258578&sec=India%20Diaryhttp://en.wikipedia.org/wiki/Cristina_Fern%C3%A1ndez_de_Kirchnerhttp://www.forbes.com/profile/cristina-fernandez/http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.infoplease.com/biography/var/cristinakirchner.htmlhttp://www.mtholyoke.edu/~carve22r/classweb/eightwomen/ckbiography.html#ELhttp://www.bbc.co.uk/news/world-latin-america-12284208http://www.economist.com/node/21563732?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.economist.com/blogs/americasview/2011/10/argentina%E2%80%99s-presidential-election?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.economist.com/blogs/americasview/2011/10/argentina%E2%80%99s-presidential-election?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://en.wikipedia.org/wiki/Sachin_Pilothttp://164.100.47.132/LssNew/Members/Biography.aspx?mpsno=4058http://www.preservearticles.com/2012012521463/short-biography-of-sachin-pilot.htmlhttp://sachinpilot.gov.in/biography.htmlhttp://articles.economictimes.indiatimes.com/2012-10-30/news/34817217_1_corporate-governance-sachin-pilot-corporate-sectorhttp://www.dnaindia.com/india/report_sachin-pilot-commissioned-as-territorial-army-officer_1737552http://www.businessstandard.co.in/india/news/caste-innew-mould/155843/&http://www.apollohospitals.com/http://www.apollohospitals.com/apollo_pdf/Annual_Report_FY_March_2012.pdfhttp://www.apollohospitals.com/apollo_pdf/Apollo_Investor_Presentation_August_2012.pdfhttp://en.wikipedia.org/wiki/Apollo_Hospitalshttp://www.fortishealthcare.com/http://fortishealthcare.com/india/UserFiles/Fortis-Investor-Presentation-Oct-2012.pdfhttp://en.wikipedia.org/wiki/Fortis_Healthcarehttp://www.fortishealthcare.com/global.htmlhttp://www.maxhealthcare.in/index.phphttp://en.wikipedia.org/wiki/Max_Healthcarehttp://www.business-standard.com/india/news/max-healthcare-expanding-horizons/452711/http://www.business-standard.com/india/news/max-healthcare-appoints-ajay-bakshi-as-ceo/149994/onhttp://articles.economictimes.indiatimes.com/2012-11-01/news/34857623_1_athens-international-rescue-loan-packages-eurozone-countrieshttp://articles.economictimes.indiatimes.com/2012-11-01/news/34857623_1_athens-international-rescue-loan-packages-eurozone-countrieshttp://www.washingtonpost.com/business/ripped-apart-by-financial-crisis-greek-society-in-free-fall/2012/11/01/c425c2cc-23f7-11e2-92f8-7f9c4daf276a_story.htmlhttp://www.washingtonpost.com/business/ripped-apart-by-financial-crisis-greek-society-in-free-fall/2012/11/01/c425c2cc-23f7-11e2-92f8-7f9c4daf276a_story.htmlhttp://en.wikipedia.org/wiki/Greek_government-debt_crisishttp://www.bbc.co.uk/news/business-13798000http://www.huffingtonpost.com/david-fearnhead/protecting-wildlife_b_1997393.htmlhttp://articles.economictimes.indiatimes.com/2012-10-31/news/34837578_1_tata-sky-ipo-process-sources-with-direct-knowledgehttp://money.livemint.com/News/IPO/IPO/NEWS/209616.aspxhttp://money.livemint.com/News/IPO/IPO/NEWS/209892.aspxhttp://www.indiantelevision.com/headlines/y2k12/nov/nov1.phphttp://www.moneycontrol.com/news/market-outlook/cable-digitization-sbi-cap-betshathway-den-networks_773790.htmlhttp://www.moneycontrol.com/news/special-videos/digitisation-is-win-win-across-television-biz-experts_777016.htmlhttp://www.indianexpress.com/news/labour-laws-hit-growth-kaushik-basu/1027050/http://www.indianexpress.com/news/-flexible-labour-laws-will-make-small-towns-the-job-generators-/1027286/http://en.wikipedia.org/wiki/Indian_labour_lawhttp://en.wikipedia.org/wiki/Labour_in_Indiahttp://www.indianexpress.com/news/small-cities-grab-60--of-new-jobs/774706http://blogs.wsj.com/indiarealtime/2012/02/22/it-company-goes-knocking-on-small-town-doors/http://www.business-standard.com/india/news/wipro-demerges-business-to-formnew-non-it-firm/491434/http://www.business-standard.com/india/news/wipro-demerges-business-to-formnew-non-it-firm/491434/http://blogs.wsj.com/indiarealtime/2012/02/22/it-company-goes-knocking-on-small-town-doors/http://www.indianexpress.com/news/small-cities-grab-60--of-new-jobs/774706http://en.wikipedia.org/wiki/Labour_in_Indiahttp://en.wikipedia.org/wiki/Indian_labour_lawhttp://www.indianexpress.com/news/-flexible-labour-laws-will-make-small-towns-the-job-generators-/1027286/http://www.indianexpress.com/news/labour-laws-hit-growth-kaushik-basu/1027050/http://www.moneycontrol.com/news/special-videos/digitisation-is-win-win-across-television-biz-experts_777016.htmlhttp://www.moneycontrol.com/news/market-outlook/cable-digitization-sbi-cap-betshathway-den-networks_773790.htmlhttp://www.indiantelevision.com/headlines/y2k12/nov/nov1.phphttp://money.livemint.com/News/IPO/IPO/NEWS/209892.aspxhttp://money.livemint.com/News/IPO/IPO/NEWS/209616.aspxhttp://articles.economictimes.indiatimes.com/2012-10-31/news/34837578_1_tata-sky-ipo-process-sources-with-direct-knowledgehttp://www.huffingtonpost.com/david-fearnhead/protecting-wildlife_b_1997393.htmlhttp://www.bbc.co.uk/news/business-13798000http://en.wikipedia.org/wiki/Greek_government-debt_crisishttp://www.washingtonpost.com/business/ripped-apart-by-financial-crisis-greek-society-in-free-fall/2012/11/01/c425c2cc-23f7-11e2-92f8-7f9c4daf276a_story.htmlhttp://www.washingtonpost.com/business/ripped-apart-by-financial-crisis-greek-society-in-free-fall/2012/11/01/c425c2cc-23f7-11e2-92f8-7f9c4daf276a_story.htmlhttp://articles.economictimes.indiatimes.com/2012-11-01/news/34857623_1_athens-international-rescue-loan-packages-eurozone-countrieshttp://articles.economictimes.indiatimes.com/2012-11-01/news/34857623_1_athens-international-rescue-loan-packages-eurozone-countrieshttp://www.business-standard.com/india/news/max-healthcare-appoints-ajay-bakshi-as-ceo/149994/onhttp://www.business-standard.com/india/news/max-healthcare-expanding-horizons/452711/http://en.wikipedia.org/wiki/Max_Healthcarehttp://www.maxhealthcare.in/index.phphttp://www.fortishealthcare.com/global.htmlhttp://en.wikipedia.org/wiki/Fortis_Healthcarehttp://fortishealthcare.com/india/UserFiles/Fortis-Investor-Presentation-Oct-2012.pdfhttp://www.fortishealthcare.com/http://en.wikipedia.org/wiki/Apollo_Hospitalshttp://www.apollohospitals.com/apollo_pdf/Apollo_Investor_Presentation_August_2012.pdfhttp://www.apollohospitals.com/apollo_pdf/Annual_Report_FY_March_2012.pdfhttp://www.apollohospitals.com/http://www.businessstandard.co.in/india/news/caste-innew-mould/155843/&http://www.dnaindia.com/india/report_sachin-pilot-commissioned-as-territorial-army-officer_1737552http://articles.economictimes.indiatimes.com/2012-10-30/news/34817217_1_corporate-governance-sachin-pilot-corporate-sectorhttp://sachinpilot.gov.in/biography.htmlhttp://www.preservearticles.com/2012012521463/short-biography-of-sachin-pilot.htmlhttp://164.100.47.132/LssNew/Members/Biography.aspx?mpsno=4058http://en.wikipedia.org/wiki/Sachin_Pilothttp://www.economist.com/blogs/americasview/2011/10/argentina%E2%80%99s-presidential-election?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.economist.com/blogs/americasview/2011/10/argentina%E2%80%99s-presidential-election?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.economist.com/node/21563732?zid=309&ah=80dcf288b8561b012f603b9fd9577f0ehttp://www.bbc.co.uk/news/world-latin-america-12284208http://www.mtholyoke.edu/~carve22r/classweb/eightwomen/ckbiography.html#ELhttp://www.infoplease.com/biography/var/cristinakirchner.htmlhttp://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.reuters.com/article/2012/11/01/us-argentina-vote-idUSBRE8A005220121101?feedType=RSS&feedName=worldNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FworldNews+%28Reuters+World+News%29http://www.forbes.com/profile/cristina-fernandez/http://en.wikipedia.org/wiki/Cristina_Fern%C3%A1ndez_de_Kirchnerhttp://thestar.com.my/columnists/story.asp?col=indiadiary&file=/2012/11/4/columnists/indiadiary/12258578&sec=India%20Diaryhttp://www.ndtv.com/article/cheat-sheet/cabinet-reshuffle-today-salman-khurshid-to-be-the-new-external-affairs-minister-285177http://www.ndtv.com/article/india/cabinet-reshuffle-upa-s-team-2014-takes-charge-285510http://articles.timesofindia.indiatimes.com/2012-10-28/india/34779455_1_mm-pallam-raju-new-ministers-cabinet-ministershttp://www.economist.com/node/21563412


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http://articles.economictimes.indiatimes.com/2012-11-01/news/34859000_1_suresh-senapaty-demerger-wipro-consumer-carehttp://www.livemint.com/Companies/XCm9jfuAk0H6Ivi9h26EhL/Wipro-Q2-profit-rises-24-beats-estimates.html5) Volkswagen Group to re-position Skoda below Volkswagen IE/Moneycontrol.comhttp://www.indianexpress.com/news/volkswagen-to-reposition-skoda-in-india/1026649/http://www.moneycontrol.com/news/business/india-notpriority-for-new-models-till-15vw_776592.htmlhttp://www.rushlane.com/volkswagen-indias-decision-to-reposition-skoda-leaves-buyers-unhappy-1250956.html6) HSBC to restructure Consumer Banking & Wealth Management business in India TOI/Liveminthttp://timesofindia.indiatimes.com/business/india-business/HSBC-suspends-MF-insurance-sales-in-India-amid-allegations-of-mis-selling-and-certain-sharp-practices/articleshow/17071648.cmshttp://www.livemint.com/Companies/9PLRTXzFis7tj97bzU3jaJ/HSBC-moves-to-stop-misselling.htmlhttp://www.livemint.com/Companies/tL7mqzfHcQpg2XL1QCUr6H/HSBC-takes-new-800-million-hit-for-money-laundering-fines.html?ref=rhs7) BBC Entertainments pull-out exposes hidden mysteries in the Indian TV & News channel market Moneylife/Liveminthttp://www.livemint.com/Companies/PSEBcNG6qCh0EwG5XFbneN/BBC-to-stop-BBC-Entertainment-CBeebies-channels-in-India.htmlhttp://www.moneylife.in/article/bbc-entertainments-pullout-symbolises-deep-flaws-in-the-tv-channel-business/29517.html8) Banks scramble to cash in on festive season as house prices continue to soar high -http://economictimes.indiatimes.com/personal-finance/loan-centre/home-loans/home-loans-news/loan-growth-stonewalled-by-surge-in-house-prices-crashes-to-5-month-low-as-buyers-fail-to-turn-up/articleshow/17092588.cmshttp://www.mydigitalfc.com/banking/banks-scramble-cash-festive-demand-retail-loans-265http://www.thehindubusinessline.com/industry-and-economy/banking/central-bank-targets-homeloan-book-at-rs-10000-cr-by-march/article4066502.ece?ref=wl_industry-and-economyhttp://www.moneylife.in/article/icici-bank-offers-1-cash-back-on-home-loan-emis-in-festive-scheme/29474.html9) Another major patent setback raises worries for foreign pharma companies in India Reutershttp://www.reuters.com/article/2012/11/02/india-roche-patent-idUSL5E8M29U12012110210) Heavy incentives fail to boost truck sales- DNA/EThttp://www.dnaindia.com/money/report_trucks-hardly-selling-despite-incentives_1760188http://economictimes.indiatimes.com/markets/stocks/stocks-in-news/morgan-stanley-sees-over-24-upside-in-tata-motors-ashok-

leyland/articleshow/17111502.cms 11) Suzuki files for bankruptcy in US, will now focus on emerging markets - BS/EThttp://www.business-standard.com/india/news/suzuki-to-exit-us-focusemerging-markets/491916/http://economictimes.indiatimes.com/news/international-business/suzuki-to-file-for-bankruptcy-in-us-to-focus-on-motorcycles/articleshow/17111084.cms 12) Mahindra Holidays acquires 49% stake in IHGCL, adds resort - BS/EThttp://business-standard.com/india/news/mahindra-holidays-acquires-49-stake-in-ihgcl-adds-resort/194726/onhttp://www.financialexpress.com/news/mahindra-holidays-buys-49-ihgcl-stake/1027643/013) Power Unchanged: Barack Obama re-elected as President of the United States TOI/NDTV/IBNhttp://timesofindia.indiatimes.com/world/us/US-election-results-President-Barack-Obama-creates-history-wins-second-term-in-WhiteHouse/articleshow/17125652.cmshttp://businesstoday.intoday.in/story/barack-obama-victory-may-not-be-good-for-it-services-industry/1/189695.htmlhttp://ibnlive.in.com/news/india-welcomes-the-reelection-of-barack-obama-as-us-president/304337-3.htmlhttp://www.ndtv.com/article/world/us-election-how-barack-obama-won-28961714) Canadian PM Stephen Harper visits India, 14 major deals in the spotlight CBC/Reuters/ The Starhttp://www.reuters.com/article/2012/11/04/canada-india-investment-idUSL5E8M45OO20121104

http://www.thestar.com/news/canada/politics/article/1282875--canada-india-sign-investments-deals-but-remain-apart-on-key-agreementshttp://www.cbc.ca/news/business/story/2012/11/05/pol-trade-deals-india.html15) Top Brands that became generic: Band-Aid, Vaseline, Xerox, Aspirin, etc - CBS Newshttp://www.cbsnews.com/8301-505125_162-28245577/20-brand-names-you-dont-realize-are-brand-names/http://www.businessinsider.com/20-brands-so-powerful-you-dont-realize-theyre-brands-2010-9?op=1http://en.wikipedia.org/wiki/List_of_generic_and_genericized_trademarkshttp://en.wikipedia.org/wiki/Generic_trademark

Neo Corner Sourceshttp://www.pcworld.com/article/2012830/windows-8-the-official-review.htmlhttp://www.knowyourmobile.com/features/1443181/the_implications_of_windows_phone_8_and_the_microsoft_surface_explored.htmlhttp://en.wikipedia.org/wiki/Windows_8http://www.techradar.com/news/software/operating-systems/windows-8-vs-windows-7-8-ways-its-different-1025285
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