THE COCA-COLA COMPANYGrihayan Bhaban

Segunbagicha, Dhaka.Phone: 9555744 (Off)

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Report on United Leasing CompanyCourse 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.052-11-8216. Afrin Sultana ID no.052-11-818

Daffodil International UniversityDate: 16-04-08

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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)

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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.

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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.

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Origin of the reportThe 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.

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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.

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TABLE OF CONTENTS

Topics Page No.

Real Estate Condition in BD 09

Company Details 10

Objective 10

Background 11

Activities 12

Functions 13

Qualifications 14

Requirement for loan application 14

Monthly installment of a project 15

Loan payment system 17

Table of the installment 18

Completed projects 19

On going projects 23

Future projects 26

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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

Coca-Cola 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!

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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

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number of 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

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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.

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

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Remain responsive to change

Have the courage to change course when needed

Remain constructively discontent

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 didn’t

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

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Electronic

Internet: 1

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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