Profit Bank Danamon Thin down 1% to Rp 1.99 Trillion

PT Bank Danamon Indonesia Tbk recorded a net loss of 1% of Rp 2 trillion in June 2012 to Rp 1.99 trillion in June 2013. The decline in earnings due to slowing auto loan company through its subsidiary Adira Finance.

Danamon recorded credit growth of 12%, to Rp 124 trillion in the first half of 2013 compared to Rp 110 trillion in the same period in the previous year. Non-automotive loans, including micro, small and medium enterprises as well as loans to commercial and corporate segments grew by 18%.

Meanwhile, auto loans through Adira Finance, which is 37% of the Bank’s total loans grew by 3% by the end of June 2013 compared to the same period last year.

This is in line with the automotive industry is still in the adjustment phase after the issuance of the rules down payment. While net interest income or net interest income grew by 6% to Rp 6.7 trillion in the first half of this year and non-interest income or fee income grew by 9% to Rp 2.4 trillion.

“Inflation is the main theme in the second quarter of 2013, primarily due to higher fuel oil by mid-June of 2013. Nevertheless, in the first half of this year, a conducive business environment to remain relatively intact. Therefore, we can record a positive performance in the first six months of this year, “said Danamon President Director Henry Ho in a press release on Friday (19/07/2013).

Danamon micro loans through Danamon Savings and Loans (DSP) recorded a growth of 10% to Rp19, 8 trillion in the first half of 2013 compared to the same period last year.

Meanwhile, loans to small and medium business segment (SMEs), rose by 25% to Rp 17.2 trillion. Credit to the commercial segment, grew by 25% in first-half 2013 compared to last year to Rp 11.2 trillion.

Credit for the corporate segment grew by 21% to Rp 13.1 trillion and trade finance business grew by 27% to Rp 8.4 trillion. Danamon Syariah loans grew 38% over last year to Rp 1.4 trillion.

In the first half of 2013, the auto loans through Adira Finance grew by 3% over the first half of 2012 to Rp 46 trillion.

“The automotive sector, especially the two-wheeler industry is still in the stage of adjustment for the impact of the rule down payment,” said Chief Executive Officer and Director of Danamon Vera Eve Lim.

Danamon’s loan growth in the first six months of 2013 coupled with asset quality is maintained. NPL (Non Performing Loans / NPLs) are at 2.4% at the end of the first half of 2013.

Top 10 Reasons For Chronic Chapped Lips

Attempting to determine the cause for severely chapped lips is never simple. There are various causes you will need to research, rule out and note the results. Fortunately, we compiled a list of the ten most common causes of chronic chapped lips in order to give you a starting point for identification of the culprit.

1. Excess vitamin A may be the cause behind your peeling lips. Regardless of whether the source of your vitamin A comes from whole foods or supplements, taking in more than 25,000 I.U. per day might make you want to examine this further.

2. In addition to excessive vitamin A, you may be ingesting excessive Vitamin B12. The result of this is that you develop a cobalt allergy from taking your B12 supplements and develop crusty, swollen lips.

3. Often overlooked, toothpaste is a very common cause of chapped lips. Most toothpastes contain the ingredient guaiazuline, that commonly results in a contact allergy.

4. Red dye is an ingredient in numerous common products. Items like gum, candy, mouthwash, and lozenges all contain red dye that may cause an allergic reaction.

5. Metal objects like paper clips and pocket change is a very likely culprit for causing chronic chapped lips. An allergic reaction to metal may present itself on your lips.

6. Orange juice as well as any other citrus juice can irritate your lips. Citrus can cause photo-toxic reaction that appears to be chapped lips.

7. Cinnamon flavoring can produce lip chapping. This flavoring is commonly used in gum, candy, and mouthwash.

8. Lipstick containing the ingredient propyl gallate can also cause a contact allergy.

9. Various other lip care products are worth noting when it comes to narrowing in on allergic reactions. Many contain Phenylsalicylate or salol, which is commonly the cause.

10. Excessive fig consumption can also cause an allergic reaction due to photo-toxicity.

Relationship Advice – Relationship Issues In Today’s Society

Why is it so hard for people to stay together these days? It is because they dont know how to live with each other? This is the case for most couples in todays society. Relationships are always great in the beginning. But, soon as we find out who and what are partners are all about, couples start second guessing themselves about their mates.

Here is some useful relationship advice:

1.Learn how to live together instead learning how to work things out. In a relationship, you will always have arguments and differences. It is the simple act of learning how to live with each other is what needs to be understood.

2.You must understand one thing. Arguing in a relationship is good, for without it, it would mean that you dont care for each other. Did you know that a couple that argues in a relationship lasts much longer than those couples who do not? The more you keep things inside of you, the worse a relationship could get in the long run. Remember this!

3.Cope with each other and learn that life does not have to revolve around just one person in the relationship. Since two people are involved, it is always recommended that you keep your ideas and opinions open to each other. Gaining a perspective on what each others goals are will also allow you both to comprehend the aspect of a more perfect union.

4.Make an effort to do things outside of the home that can create an atmosphere of fun, excitement and something new. Regularly do this and you will see how it will improve your relationship and create new ideas that can be done for future outings together.

5.Never think that one is more superior than the other. As long as you both stay in the same level and let go of any past egos or pride, then you will see how you can turn troubled relationship issues into a new and prospering one. Set aside ridiculous notions on how things have to be in a marriage or relationship. Those ridiculous thoughts and ideas are something that you created and are only in your head. So, let go of them so you can move on from what has occurred in the past to have caused so much distrust, infidelity and apprehension between the two of you.

There are many different aspects that you can learn on how save a relationship or marriage that is in the brink of failure. I hope that this relationship advice will take you closer to where you need to be.

How To Locate The Quickest Routes To Chicago Area Hospitals

When you need to locate a hospital that is near you the best thing that you can do is to look in the yellow pages. This book will be able to give you a listing of the many hospitals in your area. However, you will not necessarily have the complete picture as the yellow pages can only cover a certain section of the community. For instance if you want to find out the various Chicago area hospitals you will need to find an area map or look on the internet.

Both of these facilities will let you achieve this. With an area map you can look at the entire Chicago area and locate the different hospitals that can be found there. You can also see these Chicago area hospitals from the internet. Here you can look for an area map of Chicago just like in the other option. Unlike the other option you can enlarge the map so that you can see various details more clearly.

The internet choice will also let you read the brief descriptions that the various Chicago area hospitals have given, this description will let you identify the hospitals that you may need. You can also use any maps that the Chicago area hospitals will provide for you to locate the quickest route to arriving at the hospital of your destination.

Since there are many different types of Chicago area hospitals you should have a rough idea of the different services that you could be requiring. For instance general problems like appendicitis can be treated at the many Chicago area hospitals. To treat a cancer patient, it is best to find Chicago area hospitals that deal exclusively with cancer types.

These Chicago area hospitals have a fully trained staff and equipment for the various cancer types that many people become afflicted by. With these types of hospitals you can be sure that you will be getting the service and care that is needed for this progressive and in some cases fatal disease.

There is one fact that you can be sure of when you check into any of the Chicago area hospitals and that is the willingness of the medical staff to make your stay in these hospitals as pleasant as possible. Of course all of these Chicago area hospitals have staff that will be able to help you regardless of where you live.

So when you feel that you may need medical help you should be able to choose the best health care that you can afford. For this reason you should check out the excellent hospital services that are available in all of the Chicago area hospitals. You will be pleasantly surprised and happy to be cared for by great medical personnel who care about you at these Chicago area hospitals.

Muna wa Wanjiru is a web administrator and has been researching and reporting on internet marketing for years. For more information on Chicago Area Hospitals, visit his site at Chicago Area Hospitals

Buy Matcha Green Tea And Avail Its Health Benefits

Increasing health consciousness has turned westerners towards green tea. Matcha green tea, highly popular in Japan and considered the healthiest of the green teas, is also becoming popular in the west. Fine powdered, sans any additives, it lends itself to many recipes. Health experts note that one cup of Matcha tea is equivalent to drinking 10 cups of ordinary tea. Amongst the many benefits, this tea can cure headaches, slow aging, decrease the build-up of bad cholesterol and prevent of cancer.
Matcha Green Tea health benefits
The tea is rich in vitamin C, soluble fiber, insoluble fibers, antioxidants, B-Carotene, L-Theanine, and Carbohydrate among others. It is known to provide a natural source of long lasting energy for regular users. Regular consumers report being ten times more energetic on days when they consumer it compared to those days when they do not take the tea. The energy is due to the slow absorption of caffeine due to the presence of L-Theanine. Unlike coffee which also contains caffeine, the slower absorption rates in this tea prevent caffeine crash. Another widely known benefit is anti-ageing. The presence of antioxidants slows down the ageing process. Oxidants can wreak havoc on skin and tissue bringing about the ageing process. The same component also helps in wound recovery and plays an important role in reducing chances of cancer. The digestion process also benefits from regular consumption of this variant of green tea.
Using Matcha Green tea
Matcha is easy to prepare. Like other green teas it can be prepared with hot water. However Matchas use has extended beyond its use as hot beverage. Matcha cup-cakes, sugar donuts, loaf cakes, lemonade, Matcha banana shake, scones, and almond cookies are some of the popular recipes. Matcha is also becoming a hit in coffee shops where it is served as latte with some milk and sugar. Also, Matcha can be used in regular cooking to increase nutritional value. You can simply sprinkle a little powder during the cooking procedure or you can also use it in liquid form.
Buy Matcha wholesale
If you are a regular consumer of Matcha, buying wholesale can save you money. Before you make a buying decision you need to ascertain the quality of the tea being sold. Given its popularity, there are many portals that sell artificial tea. To ensure that your purchase is genuine, you should gather information about the teas country of origin, estates, and the retailer. A reputed retailer will provide all information on its portal which can be verified. A good retailer will also be able to offer you reductions in price on large quantities when you buy Matcha Green tea.