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BMI View: Argentina's unsustainable macroeconomic trajectory will continue to pose moderate risks to the country's commercial banking sector. While low levels of penetration suggest financial institutions have great potential for growth in the country, we believe double-digit inflation and the Argentine government's interventionist policies will continue to undermine the industry's performance in the short term. As we have repeatedly highlighted, the Argentine banking sector continues to be characterized by significant untapped potential, and remains a regional laggard by conventional metrics. Banking sector assets as a percentage to GDP declined to 36.7% in December 2011, from 39.1% in January 2011. The ratio is well below the 50% to 60% levels reached in 2002 and 2003, and is one of the lowest among major economies in the region, compared to Brazil's 131.6%, Chile's 111.0%, and Colombia's 53.6%. Government The Main Player While financial services penetration remains low, client loans continued to expand at record levels in 2011, posting y-o-y growth rates between 42.3% and 52.2% throughout 2011, mostly due to an increase in lending to the private sector, which now represents roughly 45% of total bank assets, compared to just Argentina Commercial Banking Report Q2 2012 © Business Monitor International Ltd Page 28 33% at the end of 2006. Lending to companies was a key driver of the observed expansion in credit, accounting for more than 61% of the increase in total credit to the private sector over the first nine months of 2011. Despite this increase, client loans per capita in Argentina remained at US$1,600 at the end of 2011, a fraction of Brazil's US$8,500 and Chile's US$10,000. In order to encourage the use of banking services, the Argentine authorities have adopted measures such as a reduction in the cost of bank transfers, the introduction of the Free Universal Account (CGU), and new guidelines for the authorization of branch openings. According to the new guidelines, which were introduced at the end of 2010, while reviewing application for new branches in areas of the country that are well-supplied with financial services, the Central Bank will assign priority to those applications that simultaneously include requests for branch openings in areas where the penetration of financial services is particularly low. Despite the efforts from the authorities, we believe one of the main obstacles to a greater penetration of banking services in the country stems from the macroeconomic imbalances that have emerged over the past few years. Annual inflation above 20% will continue to make peso-denominated deposits unattractive. At the same time, however, access to foreign-currency assets has become increasingly difficult, leaving some Argentineans with no choice but to invest in anything from real estate to secondhand cars to protect the value of their savings. Moreover, we highlight that much of the new credit has come from public banks, rather than p

The spa theme in bath and shower established itself as a sustainable trend over the review period. Manufacturers and distributors of body wash/shower gel, bath foam/gel and soaps use the spa theme for many new products. Many of them also use natural ingredients in line with the trend. The basic assumption is that spa procedures are healthy and good for the skin, relieve stress and are a break from normal personal care routines. This is why manufacturers are trying to provide ways to recreate...

BMI View: Uninitiated pharmaceutical firms and medical device companies will find Central America a challenging, but ultimately rewarding proposition. Industrial action is common, procurement is inefficient and healthcare policy implementation is often delayed. Positive aspects include increasing government commitment to the provision of medical services, improving regulations and increasing investment by multinational firms.

This analysis evaluates the company's strategy and key strengths, weaknesses, opportunities and threats, and provides an overview of the company's biosimilars portfolio, including analysis of key product profiles, examining key drivers and resistors to development, market sizing, specifics of development such as clinical trials (where available) for each key biosimilar molecule in development.

The Czech consumer outlook continues to remain extremely challenging. Nonetheless, we hold to our forecast for the Czech Republic to avoid a full-year recession in 2012 and forecast economic growth of 0.1% before then recovering to 1.3% in 2013. A combination of fiscal austerity and uncertainty surrounding the future of the eurozone, to which the Czech Republic is heftily exposed, will continue to impact on household consumption.

This analysis evaluates the company's strategy and key strengths, weaknesses, opportunities and threats, and provides an overview of the company's biosimilars portfolio, including analysis of key product profiles, examining key drivers and resistors to development, market sizing, specifics of development such as clinical trials (where available) for each key biosimilar molecule in development.

General Retailers in North America to 2016: Market Guide" provides in-depth detail on the trends and drivers of the General Retailers market in North America. The report includes quantitative information (historic and forecast market values), segmented at channel level.

Electrical and Electronics Retailing in Emerging Asia: Market Guide to 2016 provides in-depth detail on the trends and drivers of the Electrical and Electronics Retailing market in the Emerging Asia. The report includes quantitative information (historic and forecast market values), segmented at category level.

Electricals and Electronics Retailing in Europe to 2016: Market Guide" provides in-depth detail on the trends and drivers of the Electricals and Electronics Retailing market in the Europe. The report includes quantitative information (historic and forecast market values), segmented at category level.

Specialist Retailers in Europe to 2016: Market Guide" provides in-depth detail on the trends and drivers of the Specialist Retailers market in the Europe. The report includes quantitative information (historic and forecast market values), segmented at channel level.

This report shows the leading Soldier Modernization market segments in various regions across the world. Details of top companies active across the global Soldier Modernization market are provided, together with market size and forecast 2011-2021 for the main players across those areas.

GBI Research's report, "Wound Care Management Market to 2018 - Advanced Wound Care Modalities and an Expanding Patient Base Create Significant Growth Opportunities in Emerging Countries" provides key data, information and analysis on the global wound care management market. The report provides a market landscape, competitive landscape and market trends information on the nine wound care management market categories of: advanced wound management, automated suturing devices, compression therapy, Negative Pressure Wound Therapy (NPWT), ostomy drainage bags, pressure relief devices, tissue engineering, traditional wound management and wound closure devices. The report provides comprehensive information on the key trends affecting these categories, and key analytical content on the market dynamics. The report also reviews the competitive landscape and gives a detailed analysis of the pipeline products in each category. The report also reviews details regarding important merger and acquisition deals that have taken place in the global wound care management market. This report is built using data and information sourced from proprietary databases, primary and secondary research and in-house analysis by GBI Research's team of industry experts.

BMI View: While we remain optimistic about South Africa's longer-term commercial potential from the point of view of innovative drugmakers, a number of obstacles will remain. Private healthcare facilities remain out of reach for the vast majority of the population, while public health programmes continue to suffer from budgetary shortcomings. Moves in the right direction have been made with the creation of the National Health Insurance (NHI) scheme, with pilot programmes rolled out in April, although its implementation is not expected this decade.

"Verbundnetz Gas AG" Analysis Across the Oil and Gas Value Chain is an essential source for data, analysis and strategic insight into "Verbundnetz Gas AG". The report provides key information relating to oil and gas assets of the company along with its operations across the value chain. The report examines the company's business structure, operations and products, and provides an analysis of its key revenue lines.

"Crescent Point Energy Corp." Analysis Across the Oil and Gas Value Chain is an essential source for data, analysis and strategic insight into "Crescent Point Energy Corp.". The report provides key information relating to oil and gas assets of the company along with its operations across the value chain. The report examines the company's business structure, operations and products, and provides an analysis of its key revenue lines.

"Husky Energy Inc." Analysis Across the Oil and Gas Value Chain is an essential source for data, analysis and strategic insight into "Husky Energy Inc.". The report provides key information relating to oil and gas assets of the company along with its operations across the value chain. The report examines the company's business structure, operations and products, and provides an analysis of its key revenue lines.

GlobalData's energy offering, "Oil and Gas Exploration and Production Outlook in Azerbaijan to 2016 - Production Analysis, Forecasts and Details of Major Crude Oil and Natural Gas Blocks and Fields" is the essential source for industry data and information relating to the exploration and production industry in Azerbaijan. It provides asset level information related to active and planned oil and gas fields and exploration blocks in Azerbaijan. The profiles of major companies operating in the upstream industry in Azerbaijan are included in the report. The latest news and deals relating to the sector are also provided and analyzed.

GlobalData's "Medical Equipment Quarterly Deals Analysis: M&A and Investment Trends - Q2 2012" report is an essential source of data and trend analysis on the mergers and acquisitions (M&As) and financing in the medical equipment market. The report provides detailed information on M&As, equity/debt offerings, private equity, venture financing and partnership transactions registered in the medical equipment industry in Q2 2012. The report discloses detailed comparative data on the number of deals and their value in the past five quarters, categorized into deal types, segments, and geographies. Additionally, the report provides information on the top private equity, venture capital and advisory firms in the medical equipment industry.

GlobalData's clinical trial report, "Aortic Valve Stenosis Global Clinical Trials Review, H2, 2012" provides data on the Aortic Valve Stenosis clinical trial scenario. This report provides elemental information and data relating to the clinical trials on Aortic Valve Stenosis. It includes an overview of the trial numbers and their recruitment status as per the site of trial conduction across the globe. The databook offers a preliminary coverage of disease clinical trials by their phase, trial status, prominence of the sponsors and also provides briefing pertaining to the number of trials for the key drugs for treating Aortic Valve Stenosis. This report is built using data and information sourced from proprietary databases, primary and secondary research and in-house analysis by GlobalData's team of industry experts.

Drivers, restraints, challenges, revenue forecast, market share analysis are covered for the global market. The report also covers market revenues and market share of global gas generator analysis separately. The report covers seven key countries for diesel and gas generator market. Revenue forecast, market share analysis and revenues by voltage rating (kVA) are covered at the country level.

VIPStockReport.com Is Issuing New Trend Analysis Reports On The Hottest Equities In The Market: Nestle (PINK:NSRGY), NeoMedia Technologies Inc. (PINK:NEOM), Pristine Solutions Inc. (OTC:PRTN), Organovo Holdings Inc. (PINK:ONVO).

Much to the delight of residents at the ExtraCare alternative care homes across the country, multi-national company Domino’s Pizza shows its support to the older generation through a series of fundraising events.

WallStreetReport.net Is Issuing New Trend Analysis Reports For Traders And Investors: Pristine Solutions Inc. (OTC:PRTN), ATP Oil and Gas Corp. (OTC:ATPAQ), Bebida Beverage Company (PINK:BBDA), Cuba Beverage Co. (PINK:CUBV).

George Brown College is pleased to announce a new component of the Electronic, Electromechanical, Robotics and PLC Technician Certificate programs; the GBCTechTraining LinkedIn Alumni Group. This group is intended to help our program graduates develop new contacts and career opportunities in their program areas.

Shellback Tactical, Inc. of San Diego, a supplier of tactical gear and equipment, recently announced that its tactical gear has been approved for use by the Los Angeles Police Department (LAPD). The LAPD approved the gear on August 7, 2012 and this means that the Shellback gear will now be on the front lines in Los Angeles protecting the brave men and women of the LAPD.