THE COCA-COLA COMPANY

Grihayan Bhaban Segunbagicha, Dhaka. Phone: 9555744 (Off)

Report on United Leasing Company

Course Name: Real Estate Finance Course Code: FIN-303

Submitted to: Bakhtear Uddin Talukdar

Course Teacher Department of Finance University of Dhaka

Submitted by: 1. Lija Ahmad

ID no.052-11-716 2. Towhidul Alam ID no.052-11-816 3. Farjia Tanjim ID no.052-11-829 4. Silvia Naznin ID no.052-11-819 5. Salveen S ID no.052-11-821 6. Afrin Sultana ID no.052-11-818

Daffodil International University

Date: 16-04-08

LETTER

OF

TRANSMITTAL

April 04, 2008 Mr. Bakhtear Uddin Talukdar Course Instructor Real Estate Finance Daffodil International University Dear Sir: Subject: Submission of the report on National Housing Authority. We, some students of BBA 11th batch, want to submit a report on the subject mentioned above. We want to prepare the report on this subject under your observation. Therefore, we want to seek your permission so that we can submit the report.

Sincerely Yours Farjia Tanjim (On behalf of the group)

ACKNOWLEDGEMENT

As, always in preparing a report, there are many people to thank. Our gratitude goes to Bakhtear Uddin Talukdar, Lecturer of Department of Business Administration, Daffodil International University, for preparing this Assignment report. In addition to this, we would like to thank Mr. MD. Ayub Ali, Deputy Director (Finance), Finance & Accounts, National Housing Authority, who gave us great support to collect the information. Also thanks to all of our group members who helped each others to make this report. All members of the group have showed their best effort to make the report in easy, clear, liquid and systematic manner. Though, all efforts have been made to make the report reasonably comprehensive and better, there still may some mistakes and way in which the presentation can be further improved, our lecturer may help us in the right way and forgive us for such mistakes.

EXECUTIVE SUMMARY
This is a report, where we have discussed, about the National Housing Authority. The National Housing Authority works as the guardian of the whole housing sector of Bangladesh. As Bangladesh has a huge population, housing is one of the major problems in our country. To solve the problem NHA is working very hard. Through their activities like providing house at an affordable price, mobilization of resources, emphasize on the disadvantaged people to ensuring home, they are trying to solve the problem. Their objective is to develop National Housing Policies as well. They have so many completed projects like Lalmatia Housing Estate, Dhaka. Mohammadpur Housing Estate, Dhaka, Mirpur Housing Estate, Dhaka. Kallanpur Housing Estate, Dhaka and many more. Some of their upcoming projects are. construction of 648 nos. of flats for selling to Wage Earners at Mirpur, construction of 720 nos. of flats for selling to limited income group of people at F Block, Mohammadpur, Dhaka etc. in this report we also discussed about their selling process, loan system, the limitations they faces in doing their activities.

Origin of the report

The report entitled, Report on National Housing Authority, is prepared for Mr. Bakhtear Uddin Talukdar, Lecturer, Department of Business Administration, Daffodil International University. The report is being submitted to fulfill the partial requirement for the course, Real Estate Finance. The report will provide a brief perception about the financial institutions and the services they provide.

Purpose of the report:

The specific objectives aimed for this report are: - To fulfill the partial requirement of the course - To know about the services rendered by the housing institutions. -To visit and analyze the activities of a particular housing company.. - To gain experience and knowledge of analyzing the loan payment technique from the real life this will help in practical working environment. - To find out the prospects of real estate business in Bangladesh as an alternative financier. - To gain report writing and communication skill.

Scope of the report

The proposed report will cover the tools and techniques of real estate finance in the selected housing industry.

Source of data
The major source of data for preparing the report will be based on secondary information, analyzing annual reports.

Methodology
The study is performed based on the information extracted from different sources collected by using a specific methodology. This report is analytical in nature. Source of data of this report can be divided into two categories: Primary sources: Face-to-face conversation with the respective officers and staff of the company. Secondary sources: Relevant books, research papers, newspapers, and journals. Internet. Brochure and file study provided by the officers concerned.

Limitations
Insufficient knowledge about the real estate Institutions. Financial problems due to the inability of the group members, Lack of information due to the policy of the companies keeping all the information confidential. Insufficient published information and reluctance about providing those by the companies. Lack of responsibilities of some of the group members.

TABLE OF CONTENTS
Topics Real Estate Condition in BD Company Details Objective Background Activities Functions Qualifications Requirement for loan application Monthly installment of a project Loan payment system Table of the installment Completed projects On going projects Future projects Page No. 09 10 10 11 12 13 14 14 15 17 18 19 23 26

Brief Background of the Company

Coca-Cola originated as a soda fountain beverage in 1886 selling for five cents a glass. Early growth was impressive, but it was only when a strong bottling system developed that Coca-Cola became the world-famous brand it is today. 1894 A modest start for a bold idea In a candy store in Vicksburg, Mississippi, brisk sales of the new fountain beverage called Coca-Cola impressed the store's owner, Joseph A. Biedenharn. He began bottling Coca-Cola to sell, using a common glass bottle called a Hutchinson. Biedenharn sent a case to Asa Griggs Candler, who owned the Company. Candler thanked him but took no action. One of his nephews already had urged that Coca-Cola be bottled, but Candler focused on fountain sales. 1899 The first bottling agreement Two young attorneys from Chattanooga, Tennessee believed they could build a business around bottling Coca-Cola. In a meeting with Candler, Benjamin F. Thomas and Joseph B. Whitehead obtained exclusive rights to bottle Coca-Cola across most of the United States (specifically excluding Vicksburg) -- for the sum of one dollar. A third Chattanooga lawyer, John T. Lupton, soon joined their venture. 1900-1909 Rapid growth The three pioneer bottlers divided the country into territories and sold bottling rights to local entrepreneurs. Their efforts were boosted by major progress in bottling technology, which improved efficiency and product quality. By 1909, nearly 400 CocaCola bottling plants were operating, most of them family-owned businesses. Some were open only during hot-weather months when demand was high. 1916 Birth of the contour bottle Bottlers worried that the straight-sided bottle for Coca-Cola was easily confused with imitators. A group representing the Company and bottlers asked glass manufacturers to offer ideas for a distinctive bottle. A design from the Root Glass Company of Terre Haute, Indiana won enthusiastic approval in 1915 and was introduced in 1916. The contour bottle became one of the few packages ever granted trademark status by the U.S. Patent Office. Today, it's one of the most recognized icons in the world - even in the dark!

1920s Bottling overtakes fountain sales As the 1920s dawned, more than 1,000 Coca-Cola bottlers were operating in the U.S. Their ideas and zeal fueled steady growth. Six-bottle cartons were a huge hit after their 1923 introduction. A few years later, open-top metal coolers became the forerunners of automated vending machines. By the end of the 1920s, bottle sales of Coca-Cola exceeded fountain sales. 1920s and 30s International expansion Led by longtime Company leader Robert W. Woodruff, chief executive officer and chairman of the Board, the Company began a major push to establish bottling operations outside the U.S. Plants were opened in France, Guatemala, Honduras, Mexico, Belgium, Italy, Peru, Spain, Australia and South Africa. By the time World War II began, Coca-Cola was being bottled in 44 countries. 1940s Post-war growth During the war, 64 bottling plants were set up around the world to supply the troops. This followed an urgent request for bottling equipment and materials from General Eisenhower's base in North Africa. Many of these war-time plants were later converted to civilian use, permanently enlarging the bottling system and accelerating the growth of the Company's worldwide business.

1950s Packaging innovations For the first time, consumers had choices of Coca-Cola package size and type -- the traditional 6.5-ounce contour bottle, or larger servings including 10-, 12- and 26-ounce versions. Cans were also introduced, becoming generally available in 1960. 1960s New brands introduced Following Fanta in the 1950s, Sprite, Minute Maid, Fresca and TaB joined brand Coca-Cola in the 1960s. Mr. Pibb and Mello Yello were added in the 1970s. The 1980s brought diet Coke and Cherry Coke, followed by POWERADE and DASANI in the 1990s. Today hundreds of other brands are offered to meet consumer preferences in local markets around the world. 1970s and 80s Consolidation to serve customers As technology led to a global economy, the retailers who sold Coca-Cola merged and evolved into international mega-chains. Such customers required a new approach. In response, many small and medium-size bottlers consolidated to better serve giant international customers. The Company encouraged and invested in a number of

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bottler consolidations to assure that its largest bottling partners would have capacity to lead the system in working with global retailers.

1990s New and growing markets Political and economic changes opened vast markets that were closed or underdeveloped for decades. After the fall of the Berlin Wall, the Company invested heavily to build plants in Eastern Europe. And as the century closed, more than $1.5 billion was committed to new bottling facilities in Africa. 21st Century The Coca-Cola bottling system grew up with roots deeply planted in local communities. This heritage serves the Company well today as people seek brands that honor local identity and the distinctiveness of local markets. As was true a century ago, strong locally based relationships between Coca-Cola bottlers, customers and communities are the foundation on which the entire business grows.

Mission, Vision & Values:

The world is changing all around us. To continue to thrive as a business over the next ten years and beyond, we must look ahead, understand the trends and forces that will shape our business in the future and move swiftly to prepare for what's to come. We must get ready for tomorrow today. That's what our 2020 Vision is all about. It creates a long-term destination for our business and provides us with a "Roadmap" for winning together with our bottling partners. Our Mission Our Roadmap starts with our mission, which is enduring. It declares our purpose as a company and serves as the standard against which we weigh our actions and decisions. To refresh the world To inspire moments of optimism and happiness To create value and make a difference.

Our Vision Our vision serves as the framework for our Roadmap and guides every aspect of our business by describing what we need to accomplish in order to continue achieving sustainable, quality growth.

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People: Be a great place to work where people are inspired to be the best they can be. Portfolio: Bring to the world a portfolio of quality beverage brands that anticipate and satisfy people's desires and needs. Partners: Nurture a winning network of customers and suppliers, together we create mutual, enduring value. Planet: Be a responsible citizen that makes a difference by helping build and support sustainable communities. Profit: Maximize long-term return to shareowners while being mindful of our overall responsibilities. Productivity: Be a highly effective, lean and fast-moving organization. Our Winning Culture Our Winning Culture defines the attitudes and behaviors that will be required of us to make our 2020 Vision a reality. Live Our Values Our values serve as a compass for our actions and describe how we behave in the world. Leadership: The courage to shape a better future Collaboration: Leverage collective genius Integrity: Be real Accountability: If it is to be, it's up to me Passion: Committed in heart and mind Diversity: As inclusive as our brands Quality: What we do, we do well Focus on the Market Focus on needs of our consumers, customers and franchise partners Get out into the market and listen, observe and learn Possess a world view Focus on execution in the marketplace every day Be insatiably curious Work Smart Act with urgency Remain responsive to change Have the courage to change course when needed Remain constructively discontent 12

Work efficiently Act Like Owners Be accountable for our actions and inactions Steward system assets and focus on building value Reward our people for taking risks and finding better ways to solve problems Learn from our outcomes -- what worked and what didnt Be the Brand Inspire creativity, passion, optimism and fun The Coca-Cola System We are a global business that operates on a local scale, in every community where we do business. We are able to create global reach with local focus because of the strength of the Coca-Cola system, which comprises our Company and our nearly 300 bottling partners worldwide. The Coca-Cola system is not a single entity from a legal or managerial perspective, and the Company does not own or control all of our bottling partners. While many view our Company as simply "Coca-Cola," our system operates through multiple local channels. Our Company manufactures and sells concentrates, beverage bases and syrups to bottling operations, owns the brands and is responsible for consumer brand marketing initiatives. Our bottling partners manufacture, package, merchandise and distribute the final branded beverages to our customers and vending partners, who then sell our products to consumers. All bottling partners work closely with customers -- grocery stores, restaurants, street vendors, convenience stores, movie theaters and amusement parks, among many others -to execute localized strategies developed in partnership with our Company. Customers then sell our products to consumers at a rate of 1.7 billion servings a day. Learn more about this unique relationship.

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In January 2006, our Company-owned bottling operations were brought together to form the Bottling Investments operating group, now the second-largest bottling partner in the Coca-Cola system in terms of unit case volume. Coca-Cola System wide Performance In April 2007, associates from The Coca-Cola Company and several of our largest bottling partners met for the first time to discuss the development of a core set of performance indicators for the Coca-Cola system. Working groups of Company associates and representatives from our bottling partners have been formed to determine the feasibility -- due to the legal and management complexity of the Coca-Cola system -- of collecting and consolidating economic and social data in addition to the environmental data already collected. Many of our bottling partners produce their own corporate responsibility reports which can be viewed in the Sustainability Reports section. Coca-Cola Refreshments (CCR) The Coca-Cola Company and the largest bottler, Coca-Cola Enterprises, took actions in 2010 and 2011 to strategically advance our partnership. The Coca-Cola Company has acquired CCE's entire North American business, renaming the sales and operational elements of Coca-Cola Enterprises North American businesses to Coca-Cola Refreshments (CCR). Additionally, The Coca-Cola Company has folded in the vast majority of its U.S. and Canada businesses into CCR. This is an exciting development in the history of the world's greatest brand.

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Bibliography
References

Print
Book: 1 Real Estate Finance and Investments Book: 2 Annual Report 2005 of NHA

Electronic
Internet: 1 17

http://www.nha.com.bd accessed on April 14, 2008. Internet: 2 http://www.banglapedia.com/ accessed on April 14, 2008.

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