1. दैनिक ८ गिलास पानी पिउने
2. दैनिक रूपमा साग खाने
3. खानामा सलाद समावेश गर्ने
4. टुसा उम्रेका अनाज खाने
5. बिहान उठ्नेबित्तिकै एक गिलास मनतातो पानीमा कागतीको रस राखेर पिउने
6. मौसमअनुसारका फलफूल खाने
7. चिसो पेयपदार्थ नपिउने
8. चिया÷कफी धेरै नपिउने
9. रेसायुक्त तरकारी खाने
10. नुन कम खाने बढी गुलियो नखाने
11. तारेको र डढेको नखाने
12. तरकारीको बोक्रा नफाल्ने
13. भुटेको भटमास, मकै, चना खाने
14. रातीको खाना ७ बजेभन्दा ढिलो नखाने
15. खाना खानेबित्तिकै नसुत्ने
16. चाँडै सुत्ने र चाँडै उठ्ने
17. ८ घण्टा मस्त सुत्ने
18. रक्सी, चुरोट र सूर्ति सेवन नगर्ने
19. बिहान कम्तिमा ३० मिनेट हिड्ने,
20. व्यायाम गर्ने तनावमा काम नगर्ने
21. सुख/दुःख सेयर गर्ने बिदाको दिन परिवारसहित घुमफिर गर्ने
22. प्रार्थना, पुजापाठ गर्ने
23. जंकफुड, फास्टफुड सेवन नगर्ने
24. बेलाबेलामा मनोरञ्जन गर्ने
25. हरेक ६/६ महिनामा शरीर चेकअप गराउने
28. ३/३ महिनामा ब्लडप्रेसर जाँच्ने
29. शाकाहारी खानपान शैली अपनाउने
30. दिनहुँ एकपटक मजाले हाँस्ने
31. आफूलाई कमजोर नसम्झने
32. सकारात्मक सोचाई राख्ने
33. ध्यान गर्ने
34. यो खबरलाई अनिवार्य सेयर गर्ने
कम्तीमा पचास जनालाई शेयर गरि आफु पनि स्वास्थ्य वनौ र अरूलाई पनि स्वास्थ्य बन्न प्रेरित गरौ
Sunday, 29 October 2017
Saturday, 28 October 2017
Top Glove Corporation before you invest
TOP GLOVE
Top glove The Group Of Company's

Today, 63% of the world’s rubber gloves is supplied by Malaysia. This is unsurprising as Malaysia has plenty of rubber trees. Currently, the nation is the third largest producer of rubber in the world. The abundance in rubber has greatly contributed to the growth of the country’s rubber glove industry.
Top Glove Corporation Berhad (Bursa: 7113; SGX: BVA) is the largest rubber glove manufacturer in the world. It single-handedly supplies 25% of the global demand for rubber gloves today.
Here are the 12 things you need to know about Top Glove Corporation Berhad.
Track record
1. Top Glove has invested for continuous growth. In 2007, Top Glove ran 18 factories with 322 production lines with an annual production capacity of 28 billion rubber gloves. By 2016, it has expanded to 26 factories with 500 production lines which are capable of producing up to 48 billion gloves a year.
Source: Top Glove Corporation quarterly reports
2. Top Glove has achieved an 861% growth in sales volume of nitrile (synthetic rubber) gloves from 2010 to 2016. It
is an initiative of Top Glove to have a wider range of products to
reduce its dependency on sales of latex (natural rubber) gloves. This
enables Top Glove to mitigate the impact of rising raw material prices
as nitrile is cheaper than latex. In 2011, 55% and 11% of Top Glove’s
sales volume were latex gloves and nitrile gloves respectively. By 2016,
the gap had narrowed to 39% and 32% of sales respectively.
Source: Top Glove Corporation annual reports
3. Top Glove has grown its customer base from 850 clients in 2007 to over 2,000 clients in 2016.
The manufacturer exports its products to over 195 countries worldwide
and achieved sales growth in markets like Asia and North America.
Presently, not one single customer contributes more than 4% of Top
Glove’s revenue. This adds stability to the company as it is not reliant
on a few major customers for revenue.4. Top Glove has achieved a CAGR of 11.27% in revenue for the past 10 years. Revenue has increased from RM992.6 million in 2006 to RM2.89 billion in 2016. The growth was directly contributed by Top Glove’s continuous expansion in manufacturing activities elaborated in the first three points mentioned above.

Source: Top Glove Corporation annual reports
5. Top Glove has improved its profit margins over the last three years.
This was despite a hike in the minimum monthly wage and two rounds of
upward revisions in natural gas tariffs. The management has undertaken
multiple initiatives to enhance operational efficiency and performance.
They include the implementation of the SCADA system, vision camera
system, immersion burners, glove mold holders, and the auto-insertion of
gloves into boxes. This has reduced Top Glove’s reliance on manpower.
In 2013, Top Glove took 4.46 employees to produce 1 million gloves. By
2016, the number of employees needed dropped to 3.07 per 1 million
gloves.
Source: Top Glove Corporation Bhd June 2017 Investor Presentation
6. Top Glove has achieved a CAGR of 16.49% in shareholders’ earnings for the past 10 years.
It has increased from RM78.4 million in 2006 to RM360.7 million in
2016. This was due to the continuous sales growth and higher profit
margins achieved as a result of the multiple initiatives mentioned in
Point 5.
Source: Top Glove Corporation annual reports
7. Top Glove has a 10-year return on equity (ROE) average of 16.75%. This
means, it has made, on average, RM16.75 in annual earnings from every
RM100 in shareholders’ equity over the past 10 years. Here’s why we like companies with consistently high ROE.8. Top Glove has generated RM2.50 billion in cash flow from operations over the last 10 years. It has also raised another RM521.8 million in net equities and net long-term debt. Out of which Top Glove has allocated:
- RM1.50 billion in capital expenditures
- RM302.2 million in net purchases of investment securities
- RM829.4 million in dividends payments to shareholders
9. Top Glove has consistently increased its dividend payouts to shareholders over the last 10 years. In 2006, Top Glove paid out RM14.1 million in dividends. By 2016, the amount of dividends paid out grew nearly 12 times to RM168.9 million. It is also the highest amount of annual dividends paid in the 10-year period.
As at 27 June 2017, Top Glove is trading at RM5.66 a share on Bursa Malaysia. For the financial year ended 31 August 2016, Top Glove declared and paid RM0.145 in dividends per share (DPS). If Top Glove is able to maintain its DPS at RM0.145, its expected dividend yield is 2.56%.

Source: Top Glove Corporation annual reports
Moving forward…
Global demand for gloves is expected to rise at 6-8% a year. Top Glove plans to expand its manufacturing capabilities to meet the expected increase in demand including:10. Top Glove expanded its R&D team in 2016. In 2015, it had 50 researchers. In a single year, Top Glove recruited another 50 researchers, doubling its number of researchers in 2016. Top Glove’s R&D activities are focused on enhancing its newly launched range of products. They include Polyisoprene Surgical Gloves and Grip Gloves. As a result, Top Glove filed 11 patents for its range of new products in 2016 alone.
11. On 28 June 2016, Top Glove completed its secondary listing on the Singapore Exchange. The secondary listing is expected to benefit Top Glove as:
- It enhances brand awareness of Top Glove among international investors, analysts, and the media as Singapore is recognized as a global financial hub in Asia.
- It enhances the trading liquidity of Top Glove shares and diversifies its base of investors.
- It allows Top Glove to tap into a new market for fund raising activities in the future. This is important as Top Glove remains a growing company that plans to expand its manufacturing capacity in the future.
The construction of Factory 30 is reported to be almost completed. It is capable of producing 2.8 billion nitrile gloves per annum. Production is expected to commence in July 2017.
The construction of Factory 31 and Factory 32 will commence operations by January and December 2018 respectively. They have a production capacity of 3.0 billion and 4.8 billion nitrile gloves per annum respectively.
Besides nitrile production, F33 and F34 will commence natural rubber glove operations by August 2017 and will add 22 production lines and increase capacity by 1.1 billion latex gloves combined.
As a result, by December 2018, Top Glove is projected to have 31 factories and 628 production lines which are capable to producing 59.7 billion gloves a year — an increase of 24% from 48 billion pieces currently.
The fifth perspective
Based on its latest press release, Top Glove has revealed that it remains optimistic as the rubber glove industry is resilient in nature and the company has maintained a healthy balance sheet to finance its growth. As at 31 May 2017, Top Glove has RM212.9 million in cash reserves and a debt-to-equity ratio of only 0.18.In conclusion, Top Glove has achieved growth in sales, profits, asset size and cash reserves over the last 10 years. Still, it remains focused in its pursuit for future growth as Top Glove has revealed its agenda to further cement its position as the world’s largest rubber glove manufacturer by raising its global market share from 25% presently to 30% by 2020.
"TOP GLOVE, TOP QUALITY, TOP EFFICIENCY,
GOOD HEALTH, SAFETY FIRST & BE HONEST"
The World’s Largest Rubber Glove Manufacturer and your One-Stop Glove Sourcing Centre.
25 Factories, 11,000 Employees, 464 Production
Lines, 41.3 Billion pcs of Gloves per year and exporting to more
than 195 countries Worldwide.
TOP GLOVE'S BUSINESS DIRECTION : TO PRODUCE
CONSISTENTLY HIGH QUALITY GLOVES
WITH
EFFICIENT LOW COST
TOP GLOVE'S QUALITY
POLICY : CONTINUOUS
IMPROVEMENT AND INNOVATION ARE OUR
DUTIES
TOP GLOVE'S BUSINESS
ETHICS : 1.HONESTY 2.INTEGRITY
3.TRANSPARENCY
Top Glove Business Direction: To Produce Consistently High Quality Gloves at Efficient Low Cost
Top Glove Quality Policy: Continuous Improvement and Innovation are Our Duties
Top Glove Business Ethics: 1. Honesty 2. Integrity 3. Transparency
Question and Answer
1. In which year did Semi-permanent settlements come up in
Africa, Asia and Europe in the year?
Ans : 10,000 BC
Ans : 10,000 BC
2. Greek civilization was flourished in the year ________ ?
Ans : 800 BC
Ans : 800 BC
3. Rome was founded in the year ___ ?
Ans : 753 BC
Ans : 753 BC
4. In the year ______, Victoria becomes queen of British empire.
Ans : 1837 AD
Ans : 1837 AD
5. Suez canal opened in the year ______ .
Ans : 1869 AD
6. Queen Victorias Golden Jubliee was held in the year ______.
Ans : 1887 AD
7. The Eiffel Tower is built in ________.
Ans : 1889 AD
Ans : 1889 AD
8. New Zeland becomes first country to grant woman to right to
vote in the year _____.
Ans : 1869
Ans : 1869
9. World War I commenced in
Ans : 1914
Ans : 1914
10. Who is considered the "Father of the
Constitution"?
Ans : James Madison
Ans : James Madison
11. Who was first to reach the South Pole?
Ans : Capt. Amundsen
Ans : Capt. Amundsen
12. Which was the Napoleon last battle in which he was captured and
exiled to St Helena?
Ans : Battle of Waterloo
Ans : Battle of Waterloo
13. Around 1000 AD, which of these empires was the predominant
power of mainland southeast Asia?
Ans : Khmer
Ans : Khmer
14. The first battle of which war was the Battle of Alma?
Ans : Crimean war
Ans : Crimean war
15. Buckingham Palace became the official royal residence during
the reign of which British monarch?
Ans : Queen Victoria
Ans : Queen Victoria
16. In which year Bangladesh was formed as Separate Country?
Ans : 1971
Ans : 1971
17. The First Triumvirate was established in 60 B.C. by Julius
Caesar, Marcus Licinius Crassus, and this Roman general and consul. He was one
of Caesar's many enemies and his son-in-law,he became a ruler of Rome. Who was
he?
Ans : Pompey
Ans : Pompey
18. What was the other name given to the French and Indian War
(1756-1763)?
Ans : The Seven Years' War
Ans : The Seven Years' War
19. During which war in 1870 was the Battle of Sedan fought?
Ans : Franco Prussian war
Ans : Franco Prussian war
20. The 1513 Battle of Flodden Field was the largest battle (in
terms of numbers) ever fought between which two countries?
Ans : England and Scotland
Ans : England and Scotland
21. This Russian ruler was the first to be crowned Czar(Tsar)
when he defeated the boyars (influential families) in 1547. Who was he?
Ans : Ivan IV (the Terrible)
Ans : Ivan IV (the Terrible)
22. The dominant civilization in the central valley of Mexico
was which of the following by 1000 AD?
Ans : Toltec
Ans : Toltec
23. The Great Pyramid of Giza was built for which Egyptian
ruler?
Ans : Cheops
Ans : Cheops
24. The first king of modern Greece, Otto I, was the son of King
Ludwig I of which state?
Ans : Bavaria
Ans : Bavaria
25. Name the person who built Fort Necessity.
Ans : George Washington
Ans : George Washington
26. Bhumibol Adulyadej is the longest-reigning monarch in which
country's history?
Ans : Thailand
Ans : Thailand
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