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|NAIROBI hydro flask ombre bottle for sale , March 18 (Xinhua) -- Kenya's Cooperative Bank plans to expand its operations into Uganda, Rwanda, Tanzania and Ethiopia by the end of 2016, officials said on Wednesday.
The bank's managing director Gideon Muriuki told an investor briefing in Nairobi that the financial institution will enter these countries through joint ventures with the local cooperative movement.
"We are currently holding discussions with the governments with a view to acquiring operating licenses," Muriuki said.
The bank has operations in Kenya and South Sudan. Muriuki said joint venture offers great opportunities for long-term sustainability of the business.
The bank's subsidiary in South Sudan, which began operations in 2014 hydro flask ombre for sale , is a joint venture with the South Sudanese government holding 49 percent of the operations.
Muriuki stated the bank currently operates two branches in South Sudan, with an additional three set to be opened in 2015.
Cooperative Bank is the main banker of the country's ten million member strong co-operative movement. According to the 2014 full year financial results, the bank made a pretax profit of 118. 4 million U.S. dollars, which is a 0.5 percent jump from the 117.8 million dollars in 2013.
Muriuki attributed the low profit increase to a one-off charge of 14.5 million dollars related to the retrenching staff that was undertaken in order to increase the bank's efficiency.
The managing director said for the 2015 financial year, the firm expects a 30 percent jump in pretax profit due to the ongoing favorable economic conditions.
"We will also re-orient our physical branches so that they focus on customers and not products," he said.
The bank said that in order to cut costs and improve efficiency hydro flask 12 oz coffeee white for sale , they are encouraging the migration of customers to other delivery channels such mobile banking and agency banking.
The bank currently has over 8,765 agents and 1.4 million customers on the mobile banking platform.
A once-vacant city block at the northern edge of Yale University now teems with exotic herbs and vegetables, tended carefully by a community of graying people from China who are here to look after grandchildren as their own children cultivate careers at the Ivy League school.
In the trellis-filled garden, a patchwork of small lots that are passed from family to family, they find friends, a routine for daily life in new surroundings and familiar vegetables that are fresher than anything they find in local markets.
Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden Chinese families of Yale students grow a garden
"The sun is shining. I'm sweating. It's good hydro flask 12 oz coffee balck for sale ," said 63-year-old Zhang Zaixian, of Beijing, who was watering chives one day as her grandson attended preschool. "I am happy."
The urban garden began taking shape a decade ago, a product of the expatriate community that has sprouted along with soaring numbers of students from China.
About a quarter of all international students at Yale come from China, which has become the biggest source country by far for international students in the United States. Yale, which in 1854 graduated the first Chinese person to earn a degree from a U.S. college hydro flask 16 oz coffee white for sale , had 680 international scholars, 516 graduate students and 58 undergraduates from China last year.
The gardeners come from a mix of urban and rural areas and abide by a few unwritten rules. Fertilizer is allowed, but pesticides are forbidden. Remove watering cans and clean up in the fall. Find another family to work your patch when you leave New Haven.
Zhang, whose daughter earned a Ph.D. in China before coming to do research at the Yale School of Medicine, said she had never done any gardening at home in China's capital, where she had a career keeping statistics for industry and the navy. Zhang's health had been waning before she first came to Connecticut hydro flask 16 oz coffee black for sale , in 2009, but she said tending to plants each day under smog-free skies has made her feel renewed.
The garden succeeds, she said, because the gardeners belong to an older generation that has patience.
"Young people don't want to do the labor," she said.
All the plants are edible. They include varieties of beans, scallions hydro flask 20 oz coffee white for sale , tomatoes and cilantro that they eat or use to season dumplings and other dishes.
The produce, grown from seeds found in New York City's Chinatown and some local Asian markets, is shared with other Chinese families that live in the complex of two-story apartment buildings across the street from the garden — even if they choose not to do gardening themselves.
"I wasn't farming anymore in China. Why should I do farming here?" said Wang Lunji, 65, from Anhui province in eastern China, where the land he once worked was plowed under for development. Wang hydro flask 20 oz coffee black for sale , whose son studies biology at Yale, said he nevertheless appreciates the vegetables shared by his neighbors.
Yale owns the land, which had been overgrown before a few families started the planting, and Yale grounds crews have provided compost to help the gardeners. The only issues, they say, have been occasional theft or vandalism.
In at least some cases hydro flask 10 oz white tumbler for sale , gardeners have suspected each other when plants have gone missing. Veteran gardener Guo Zhirong said one plant that disappeared would not have appealed to Americans.
"Some people are from cities and don't know how to grow plants," he said. "Maybe they just said, 'Wow, so beautiful,' and they took it away."
Guo, 71 hydro flask 10 oz black tumbler for sale , was a farmer himself in Sichuan province and has taught many, including Zhang, how to water, fertilize an. Cheap College Jerseys From China Wholesale Soccer Jerseys Wholesale MLB Sports Jerseys Wholesale Authentic NHL Jerseys Wholesale Authentic NFL Jerseys Cheap Jerseys Cheap Jerseys From China Cheap College Football Jerseys Cheap NBA Jerseys Wholesale NCAA Jerseys