NCBA Group PLC (NCBA.ke) Q12008 Interim Report

first_imgNCBA Group PLC (NCBA.ke) listed on the Nairobi Securities Exchange under the Banking sector has released it’s 2008 interim results for the first quarter.For more information about NCBA Group PLC (NCBA.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the NCBA Group PLC (NCBA.ke) company page on AfricanFinancials.Document: NCBA Group PLC (NCBA.ke)  2008 interim results for the first quarter.Company ProfileNCBA Group Plc is a financial services institution in Kenya offering banking products and services for the retail, commercial and corporate sectors. It also offers stock brokerage, bancassurance, leasing and investment banking services through operations in Kenya, Tanzania and Uganda. Its full-service offering ranges from transactional banking products and services to unsecured and secured loans, secured diaspora loans, property purchase loans and insurance premium financing as well as asset-based lending, capital expenditure loans and construction loans. NIC Bank Limited offers institutional banking services to non-government organisations, diplomatic missions and their affiliate donor/aid entities as well as government institutions, multi-nationals, domestic corporates and medium- to high-net worth individuals. Formerly known as NIC Bank Limited, the company changed its name to NIC Group Plc in 2017. Its head office is in Nairobi, Kenya. NCBA Group Plc is listed on the Nairobi Securities Exchangelast_img read more

Bells toll for the dead of Aleppo

first_img Associate Rector Columbus, GA By Gavin DrakePosted Oct 24, 2016 Director of Administration & Finance Atlanta, GA Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York [Anglican Communion News Service] A simple act of solidarity with the people of Aleppo by a parish of the Evangelical Lutheran Church of Finland has turned into a global initiative supported by several Anglican churches. On Oct. 12, the parish of Kallio in Helsinki, began ringing its tolling bell at 5 p.m. each evening. The tolling bell, usually rung at funerals and to mark periods of mourning, was rung to mark the thousands of people killed during the military onslaught in Syria’s besieged city of Aleppo. A social media campaign, #BellsForAleppo, encouraged other churches to join in with the initiative, culminating on Oct. 24 — United Nations Day.Full article. Submit an Event Listing Assistant/Associate Priest Scottsdale, AZ Youth Minister Lorton, VA TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Submit a Press Release Associate Priest for Pastoral Care New York, NY This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Missioner for Disaster Resilience Sacramento, CA In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Director of Music Morristown, NJ Rector/Priest in Charge (PT) Lisbon, ME Rector Martinsville, VA Rector Knoxville, TN Rector Albany, NY Bells toll for the dead of Aleppo The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Anglican Communion, Associate Rector for Family Ministries Anchorage, AK Middle East Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Rector (FT or PT) Indian River, MI Rector Shreveport, LA Rector Belleville, IL Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Featured Events Assistant/Associate Rector Washington, DC Advocacy Peace & Justice, Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector Pittsburgh, PA Featured Jobs & Calls Tags Cathedral Dean Boise, ID AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Assistant/Associate Rector Morristown, NJ Curate Diocese of Nebraska Rector Bath, NC Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Rector Washington, DC Rector Tampa, FL Rector Smithfield, NC Priest Associate or Director of Adult Ministries Greenville, SC Rector Hopkinsville, KY Priest-in-Charge Lebanon, OH Rector Collierville, TN Press Release Service Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Rector and Chaplain Eugene, OR Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Submit a Job Listing Canon for Family Ministry Jackson, MS Family Ministry Coordinator Baton Rouge, LA Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Curate (Associate & Priest-in-Charge) Traverse City, MI Bishop Diocesan Springfield, IL New Berrigan Book With Episcopal Roots Cascade Books Course Director Jerusalem, Israel last_img read more

New CEO for CAFAmerica

first_img International charity expert and eminent researcher, Dr Susan Saxon-Harrold Ph.d, will be joining CAFAmerica as its Chief Executive Officer from 1 September 2002.Saxon-Harrold was previously Vice President of Research for INDEPENDENT SECTOR in Washington, DC. While in Europe, she ran a US foundation in London and was Director of a company providing business-planning services in Central and Eastern Europe. Susan started her career at Bradford University Management Center in business management before joining CAF UK where she was Head of Research for 10 years.Janet Boyd, President of CAFAmerica said: “Susan brings us exactly the right skills and knowledge we must have to meet the needs of our donors, and her experience as a strategic thinker, as well as a hands-on manager, will be of enormous value to CAFAmerica.” Advertisement Howard Lake | 15 July 2002 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.  16 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThiscenter_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis New CEO for CAFAmericalast_img read more

Victory! Cuban 5 are reunited and free at last

first_imgThe Cuban 5 united in Havana, Dec. 17.Dec. 17 — The government of the United States has done what it repeatedly swore it would never do: It has freed the last of the Cuban 5.  Today Antonio Guerrero, Ramón Labañino and Gerardo Hernández were finally released from U.S. jails after more than 16 years of unjust imprisonment. René González and Fernando González had already served their full prison terms and returned to Cuba.Those whom René González termed “the jury of millions” — who had organized, picketed, written letters, signed petitions, collected money for newspaper ads, investigated, inveighed on parliamentarians, climbed mountains, rode bicycles, tweeted, wrote poems, plays, songs and more in every corner of the globe — rejoiced. The steadfast Cuban people joyfully welcomed their heroes: the five men who sacrificed so much to protect them from terrorist attacks launched from U.S. territory during the 1990s.We can only imagine the joy of their families. A Miami court and the U.S. government had expected Gerardo to die in prison after he was sentenced to two life terms plus 15 years.Today, says the International Committee for the Freedom of the Cuban 5, “Gerardo has now been reunited with Adriana, Ramón is back with Elizabeth and his three beautiful daughters, and Antonio is with his mother Mirta, the 84-year-old tireless inspiration of this struggle, who feared she would die before she saw her son back in Cuba.”Workers World Party and many dedicated organizers in the U.S. share this awesome and joyous moment of victory.Opening the prison doors for the Cuban heroes was only part of the top story today. In a broadcast speech, President Barack Obama outlined “charting a new course on Cuba,” and asserted, “Today, we are renewing our leadership in the Americas.” Washington has its eye on the April Summit of the Americas in Panama.Yet a bill imposing sanctions on Bolivarian Venezuela is sitting on Obama’s desk. Will he veto it, as part of this new course? The Obama administration recognized the coup government in Honduras that has driven thousands of children to flee violent repression. Will it stop engineering coups and dictatorships in Latin America? What about the U.S. role in destroying the Mexican economy and turning it into a killing field? And, especially, will the U.S. end its blockade of Cuba?For more than two years, the pressure for this moment has been building in the United States. Reflecting this pressure, seven New York Times editorials in recent months have advocated a change in U.S. policy toward Cuba. The Associated Press ran a series that exposed Alan Gross, the contractor for the U.S. Agency for International Development — often used as a cover for CIA operations — who was convicted by a Cuban court of having secretly and illegally installed military-grade communications devices on the island in violation of Cuba’s sovereignty and laws.Cuba released Gross as soon as the Five were returned home, citing humanitarian reasons.The AP continued its investigation of failed U.S. regime-change antics, including the “Cuban” twitter site Zunzuneo — another USAID program — and the recent infiltration of Cuban hip hop artists in an attempt to use them as unknowing instruments to undermine Cuba’s self-determination.Polls have shown that sentiment in Miami now favors changing U.S. policy toward Cuba even more strongly than in the rest of the U.S. Since 1992, the U.N. General Assembly has voted almost unanimously every year for the U.S. to end the blockade.As Obama himself admitted in his speech, the U.S. for more than five decades has tried “to push Cuba toward collapse.” And, he testified, it didn’t work.Development despite imperialist hostilityDevelopment in the hemisphere has been moving forward despite the machinations of the U.S.Latin America and the Caribbean, including Cuba, have forged many interlocking levels of continental unity through the Community of Latin American and Caribbean States and the Bolivarian Alliance for the Americas. At the same time, the U.S. is still unable to recover from its 2007-2008 economic collapse, especially in regard to employment. Longshore union members report that the port of Tampa, Fla., is underutilized, while Cuba’s new automated container port in Mariel is ready to handle huge ships from Asia.As long as the blockade is fully in place, it is U.S. trade with Cuba that suffers, while trade between Cuba and other countries continues, just 90 miles away. How long will European banks continue to pay U.S.-imposed fines for handling Cuban financial transactions? The old system of sanctions imposed by Washington has become untenable.The people of the U.S. have also suffered from the blockade. They have been prevented from knowing the Cuban reality: that it is possible to do so much, even with scarce resources, when the power of the people is freed from capitalism.In the U.S. a new militant movement led by Black and Brown youth is challenging the racism and repression embedded in capitalism. Don’t they want to learn how first-rate education and health care can be made available without throwing youth and workers into debt? They really want to see how a different world is possible. And couldn’t Detroit benefit from what Cuba has to offer?The Cuban people, and particularly the Cuban Communist Party, are committed to socialism — making the goal of social production the needs and welfare of human beings, not profits for a few. They are well aware and capable of dealing with any challenges to come. Now there are five additional leaders, tested by long years of U.S. imprisonment, who can help chart this new future.Volvieron! They have returned!Cheryl LaBash has been an organizer with the International Committee to Free the Cuban 5 since 2006 and is a co-chair of the National Network on Cuba.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Indiana Discussion Meet Contestant Uses Experience in the Classroom

first_img SHARE Indiana Discussion Meet Contestant Uses Experience in the Classroom Facebook Twitter SHARE Home News Feed Indiana Discussion Meet Contestant Uses Experience in the Classroom The goal for the Indiana winner of Discussion Meet was to make the American Farm Bureau Young Farmer and Rancher Sweet 16. Sunday night at Farm Bureau’s annual meeting in Nashville, TN Julie Thalen was “ecstatically excited” when she learned she was one of the top 16. The agricultural education teacher at Clinton Central High School didn’t advance beyond that round, but the experience will help her in the classroom, and that was another of her priorities.She explains Discussion Meet “really opens up the doors and shows what the really important issues are happening in agriculture. These topics were picked last year but you look at what’s happening, what’s important and where are we headed. And I think a lot of it is long term thinking about we are doing in Farm Bureau and the whole agriculture sector. So for me it’s things I can actually apply in my classroom, apply in life as a Farm Bureau member, but also just apply with the different things that I’m liking and enjoying and doing within the agriculture sector to be prepared for things down the road.”Topics discussed at the national meet included immigration reform and encouraging more people to move home to rural communities. Discussion Meet judging is based on knowledge of the issue and ability to participate and bring others into the discussion, so it is not a debate. That can be challenging.“The sweet 16 competition was very intense. There were 4 of us, one from California, one from Illinois and another from Michigan and it was a very intense conversation. We all had our openings and our closings but the meat of the Discussion Meet is actually the discussion that you have in the middle 25 minutes. It’s a very interesting time and there are a lot of different items that get brought up and how you sort through them and what you discuss or spend more time on is what really makes the points for the actual contest.”[audio:https://www.hoosieragtoday.com//wp-content/uploads//2013/01/Julie-Thalen-gets-goal.mp3|titles=Julie Thalen gets goal]To prepare there was continual research including meetings with many Hoosiers across the state. Hear more in the full HAT interview:[audio:https://www.hoosieragtoday.com//wp-content/uploads//2013/01/Julie-Thalen-at-Sweet-16-AFBF.mp3|titles=Julie Thalen at Sweet 16 AFBF] Facebook Twitter By Andy Eubank – Jan 14, 2013 Previous articleSeed Consultants Adds Illinois SeedsmanNext articleIt’s Official: Vilsack to Remain Secretary of Agriculture Andy Eubanklast_img read more

Farm Credit Mid-America Reports First Quarter Earnings

first_img Facebook Twitter Farm Credit Mid-America Reports First Quarter Earnings Previous articleMidday UpdateNext articleNew Study Confirms E15 Compatibility with Existing Service Station Equipment Gary Truitt SHARE SHARE Facebook Twitter By Gary Truitt – May 27, 2015 Home Indiana Agriculture News Farm Credit Mid-America Reports First Quarter Earnings Despite a softening agricultural economy in first-quarter 2015, Farm Credit Mid-America reported solid gains, year over year, in its credit portfolio and portfolio credit quality. While net income was at $71.7 million, down 7.6 percent year over year from first-quarter 2014, total portfolio size grew, as total assets were $20.5 billion — a 5 percent increase from first-quarter 2014. Total loans were $18.5 billion, representing a 6.5 percent increase, year over year, from first-quarter 2014.Low customer debt-to-asset ratios reaffirmed the agriculture industry’s strong financial position, despite economic uncertainty, and continued growth in the company’s rural real estate mortgage portfolio signaled increasing producer confidence. Additionally, because agricultural lending tends to follow annual agricultural production cycles, officials anticipate loan levels to increase throughout the planting and growing seasons to meet farm operating and capital needs.“Coming off a strong 2014, our customers are equipped for success in the long-term, and have done a good job getting ahead of what may be challenging times,” said Bill Johnson, president and CEO, Farm Credit Mid-America. “Looking forward, our customers and cooperative as a whole are well positioned to navigate the cyclical nature of our industry.”The association’s portfolio credit quality improved slightly from year-end 2014 as adversely classified loans decreased to 2.1 percent, down from 2.2 percent in 2014. The decrease resulted from improved profitability in the livestock and poultry industries, and improvement in the general economy.For complete results, visit https://e-farmcredit.com/about/corporate-governance.last_img read more

Pasadena Company’s Platform Combines Instant Facial Recognition and Temperature Screening for Workers as America Reopens

first_imgHome of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Business News Pasadena Company’s Platform Combines Instant Facial Recognition and Temperature Screening for Workers as America Reopens By ANDY VITALICIO Published on Monday, May 11, 2020 | 5:18 pm Subscribe Community News STAFF REPORT First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Name (required)  Mail (required) (not be published)  Website  More Cool Stuff Herbeauty10 Of The Most Notorious Female Spies In HistoryHerbeautyHerbeautyHerbeauty12 Signs You Want To Stay With Your Girlfriend ForeverHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeauty Top of the News center_img 43 recommended0 commentsShareShareTweetSharePin it Make a comment Community News CITY NEWS SERVICE/STAFF REPORT Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Darrel Done BusinessVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Photo courtesy Pop entry+The subsidiary of an innovative Pasadena company has rolled out an advanced biometric solution to offer employers a safer work environment for their workers and customers.Called PopEntry+, the platform combines instant facial recognition and temperature screening to add a layer of security for companies and organizations planning a return to work.The platform is produced by PopID, a subsidiary of the Cali Group company.A Cali Group statement Monday said the technology will definitely help restaurants, office buildings, factories, assisted living centers, health clubs, and government facilities that are seeking a cost-effective way to help ensure wellness and security in their workplaces.“We believe that our digital identity platform will play an important role in protecting workers and consumers through automated temperature testing and contact-free payment,” John Miller, Chairman of Cali Group and CEO of PopID, said. “In the post-COVID-19 world, companies that succeed will be those that safeguard their people through new, contactless technologies like ours.”PopEntry+ is currently being used by operators of regional and national brands in the food service industry, including Subway, DRG (Taco Bell), Lemonade, Cava, Metro Diner, and Brooklyn Water Bagels, among others.The City of Lancaster, the headquarters of a professional sports league, and assisted living centers also have installed the system, the statement said.The new technology allows workers and visitors to scan their faces and add some personal information via a secure web portal on their mobile devices. Upon arrival at their place of work, they are recognized and have their temperature taken within seconds by a fixed device installed at the entry. The device can be connected to the door lock to automatically unlock the door and allow entry into the building.Establishments installing the system can earn a designation as “POP-Certified” or “Protecting Our People-certified” as a work environment that does everything to ensure the health, safety, and overall well-being of their employees and everyone who interacts physically with the business, the company said.PopEntry+ allows employers to digitally and securely “monitor their workforce for indicative symptoms,” as new federal guidelines recommend. The platform can be expanded to serve as an automated and frictionless way to identify people that have either been recently tested for the virus or demonstrated immunity to the virus through antibody testing.Thousands of commercial users are now using PopID, the company’s facial recognition platform, for their face-pay systems, the statement said. This month, PopID Entry+ is being tested and/or installed by employers and government organizations across the country.Wasserstrom will sell the system through its channels, manage shipping and installation of hardware, and provide support to its customers.To learn more about PopEntry+, visit www.popid.com/entry. Business News Your email address will not be published. Required fields are marked *last_img read more

Helicopter problem delays voting on Tory and Inishboffin islands

first_imgNews Calls for maternity restrictions to be lifted at LUH Google+ RELATED ARTICLESMORE FROM AUTHOR Pinterest WhatsApp Almost 10,000 appointments cancelled in Saolta Hospital Group this week Three factors driving Donegal housing market – Robinson WhatsApp Facebook Google+ Facebookcenter_img Pinterest Twitter LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Polling in the local and European Elections has been delayed on two of Donegal’s islands.A technical issue with the Air Corp Helicopter meant that polling boxes were not able to be delivered this morning to Inishboffin and Tory islands.The helicopter has since taken off with polling now running on the islands between 12.30 and 4.30pm.Meanwhile Northern Ireland polling stations have opened and voting has begun in European and local government elections.In the Derry/Strabane Supercouncil, a total of 71 candidates are contesting the 40 seats up that are for grabs in the newly drawn up seven district electoral wards, five in Derry and two in Strabane. By News Highland – May 22, 2014 NPHET ‘positive’ on easing restrictions – Donnelly Previous articleStrabane Chippy robbed by masked man overnightNext articleDonegal IFA says farming familes must pay less for their water News Highland Helicopter problem delays voting on Tory and Inishboffin islands Twitter Guidelines for reopening of hospitality sector published last_img read more

Mistake to prioritise roads above Letterkenny to Lifford – Blaney

first_img Donegal North East TD Niall Blaney says it would be a mistake to prioritise other roads above the Letterkenny to Lifford Road linking to the proposed new N2 – A5 Dublin to Derry Road.Speaking after a meeting with Transport Minister Noel Dempsey, Deputy Blaney says he accepts that there are other roads on the NRA’s priority list, particularly the Twin Towns by-pass, but he argues developing that first would be wrong.Deputy Blaney argues that the best chance for jobs and development lies in improving access to Letterkenny, and that will benefit the whole county, including Ballybofey and Stranorlar.[podcast]http://www.highlandradio.com/wp-content/uploads/2011/01/nialb830.mp3[/podcast] Twitter Google+ Facebook WhatsApp HSE warns of ‘widespread cancellations’ of appointments next week PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Mistake to prioritise roads above Letterkenny to Lifford – Blaney RELATED ARTICLESMORE FROM AUTHOR 365 additional cases of Covid-19 in Republic Pinterest WhatsAppcenter_img Man arrested on suspicion of drugs and criminal property offences in Derry Facebook Twitter Previous articlePublic on both sides of border urged to attend meeting over future of Cancer Care unitNext articleWater levels returning to normal but some restrictions remain News Highland By News Highland – January 18, 2011 Man arrested in Derry on suspicion of drugs and criminal property offences released Pinterest Google+ News Dail to vote later on extending emergency Covid powers last_img read more

No Online Liquor Sale Permissible When Excise Rules Do Not Allow It : Karnataka High Court

first_imgNews UpdatesNo Online Liquor Sale Permissible When Excise Rules Do Not Allow It : Karnataka High Court Mustafa Plumber19 Feb 2021 8:45 AMShare This – x The ban on online sale of liquor will continue in the State of Karnataka. On Thursday the Karnataka High Court dismissed an appeal filed by ‘HIP Bar Private Limited’ which challenged the order of the single judge bench which had refused to declare that the company can do business of Online Order processing and Delivery of Indian and Foreign Liquor including Beer, Wine and Low…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?Login The ban on online sale of liquor will continue in the State of Karnataka. On Thursday the Karnataka High Court dismissed an appeal filed by ‘HIP Bar Private Limited’ which challenged the order of the single judge bench which had refused to declare that the company can do business of Online Order processing and Delivery of Indian and Foreign Liquor including Beer, Wine and Low Alcoholic Beverages (“LAB”). A division bench of Justice Satish Chandra Sharma and Justice V Srishananda  while dismissing the appeal said “The licence issued under the Excise Act and the Rules framed thereunder in no way authorizes any agent/intermediary to transport the liquor and under Rule 3 of the sale of Indian and Foreign liquor Rules, 1968 only CL-2 and CL -11(c) licensees are entitled to vend licence to public in retail. It is only a take away transaction in a sealed bottle for MRP from shop premises.”Case background: The company was offering a Semi-Closed Prepaid Payment Instrument (Mobile Wallet) to its customers among other services. The Reserve Bank of India (RBI) had issued a certificate of Authorization to the petitioner for operation, under the Payment and Settlement Systems Act, 2007, which is valid till September 30, 2021. The licence issued by the Government of Karnataka enabled it to carry on the business of distributor, supplier, transporter, wherein the petitioner is permitted to carry on food business relating to Ready-to-eat savouries; Beverages, excluding dairy products. On August 1, 2017, Letter of Authority was issued by the respondent for Online Order Processing and Delivery of Indian and Foreign Liquor including Beer, Wine and LAB (Low Alcoholic Beverages) to – Hip Bar with certain conditions. Allegedly pursuant to news reports the LOA was withdrawn abruptly without providing an opportunity to show cause. Petitioner was compelled by the respondent to give an affidavit stating that it has disabled the online delivery of liquor, without prejudice to its rights. Being aggrieved, the company moved the high court seeking declaration that it does not does not require any license or permission to conduct business of Online Order processing and Delivery of Indian and Foreign Liquor including Beer, Wine and Low Alcoholic Beverages (“LAB”). A Single Judge bench S Sujatha on September 18, 2019 dismissed the petition filed by the company holding that online sale of liquor cannot be allowed in the absence of enabling provisions under the Karnataka Excise Act to grant such licenses or permissions. Following which the company filed an appeal. Contentions of the appellant: Relying on the judgment in the case of Sodexo SVC India Private Limited v. State of Maharashtra and others (2015) 16 SCC 479, contended that company is also entitled to deliver liquor to the purchaser as it is simply acting as a facilitator and the medium between the affiliates and the consumers. Further, reliance was placed on the judgment in the case of Kerala Bar Hotels Association and another vs. State of Kerala and others, (2015) 16 SCC 421 and argued that the right to trade any liquor is a right guaranteed under Article 19(1) of the Constitution of India. It was also contended that the order passed by the Excise Commissioner withdrawing LOA is violative under Article 19(1)(g) and the impugned order shows non-application of the mind. Moreover, the company raised a ground of violation of principles of natural justice and fair play. In so far as the LOA was withdrawn without following principles of natural justice and fair play. No show cause notice was issued at any point of time. Submission of the state : It was submitted that the petitioner has no fundamental right to trade in liquor. Entry 8 of List II Schedule VII of the Constitution empowers the State Government to legislate with regard to intoxicating liquors i.e., production, manufacture, possession, transport, purchase and sale of intoxicating liquors and Entry 51 empowers the State legislature to levy duties of Excise and countervailing duties and under Entry 8, there may be an absolute prohibition of sale of liquor. A citizen has no fundamental right to carry on trade or business in liquors. The state also contended that petitioner does not have licence granted by the RBI for sale and purchase of the liquor and the contention of the petitioner that it is only a facilitator and delivering liquor in respect of the purchase which has taken place at the shop itself is not correct. “Initially a letter of authority (LOA) issued to the petitioner for processing online order and delivery was only on a trial and experimental basis, he was operating only in Bengaluru BBMP limits. The Excise Department at some point of time felt that the same was not adaptable due to the huge objections from existing licensed stakeholders and media buzz on social concerns underage drinkers were turning to online retailers to buy alcohol, which is not permissible in law and therefore keeping in view the various objections from all corners, the LOA was withdrawn,” the state told the court. Citing the Karnataka State Excise Act the state submitted that “The Excise Act does not provide online selling of alcohol and the petitioner being the user of the mobile application initiated the sale transactions by purchasing the liquor from CL-2 licence holder and in turn had sold the same to the end consumer meaning thereby the liquor has not been sold directly by the CL-2 licence holder to the end use consumer, which is not permissible under the Act.” Finally, it was said that the Excise Department is the sole authority of controlling the liquor trade in the State of Karnataka and therefore the petitioner cannot be permitted to carry out liquor business without having any licence under the Excise Act and the Rules framed thereunder. Court findings: The bench in its order noted that “The Payments and Settlement Act (PSS Act) of 2007, empowers issuance of Certificate of Authorisation (COA) by the RBI only for a limited purpose of making online payments. The Act nowhere empowers a person to deliver the goods. It is only a payment system through electronic mode and therefore once the COA under the PSS Act, 2007 does not empower processing/delivery/facility of online order in respect of foreign liquor including Beer, Wine and LAB, the appellant cannot be permitted to deliver liquor by making online payment to end use consumer. In regard to the arguments of the company of Right to trade any liquor is a right guaranteed under Article 19(1) of the Constitution of India. The court said “The State Government has a right to impose restrictions in respect of liquor trade and it is not an absolute right and can be subjected to restrictions by the State Governments.” Remarking on the issuance of LOA being issued to the company, the bench said “State Government (Excise Commissioner) has certainly granted LOA in spite of the fact that the Excise Act and the Excise Rules did not provide for granting of such LOA. Grant of LOA was void ab-initio in the light of the statutory provisions and therefore it was rightly withdrawn by the impugned order.” The court also opined on the contention raised of violation of Principle of natural justice, it said “As in the first place, the Excise Commissioner was not having any authority to issue such LOA. The LOA could not have been issued as there is no provision under the Excise Act nor under the Excise Rules and under the Karnataka Excise Licences (General Conditions) Rules, 1967 and therefore as there was no legal statutory right in favour of the appellant for grant of LOA, the question of violation of principles of natural justice and fair play does not arise.” The bench accordingly noted “The statutory provisions make it very clear that no intoxicating drugs can be sold without licence and contrary to the terms and conditions of the licence. The intoxicating drugs are also defined under the Karnataka Excise Act and they include bhang/ganja. If the plea canvassed by the learned counsel for the appellant is accepted , then he will also be entitled to act as a facilitator to supply bhang/ganja apart from supply of liquor to the citizens of Bengaluru Township.” It further held that “Restrictions have been rightly imposed under the Excise Act. It provides that no intoxicating drugs can be sold without licence contrary to the conditions of the licence.” The court, citing Rule 5 of Karnataka Excise Licences (General Conditions) Rules, 1967, said “It provides for restriction in respect of location of shops. It provides that no licence shall be granted for sale of liquor to a liquor shop or premises within a distance of 100 mtrs. from any religious or educational institution or Hospital as well as certain other places. Therefore, if the plea canvassed by the appellant-company is accepted, it will be contrary to the statutory provisions as contained under Rule 5 of the Rules, 1967 and as there will be no restriction in respect of place of location of shops.” Referring to Rule 10, which provides for restriction in respect of sale of liquor to certain category of persons like insane persons, persons below 21 years of age etc., and the same can be checked in case liquor is being bought from the authorized shops. “It is going to be very difficult to check persons like the appellant company who are acting as alleged facilitators,” the court said. It was concluded by saying “Restrictions under the Karnataka Excise Act, 1965 and Rules framed thereunder are reasonable restrictions. By no stretch of imagination the appellant-company can be permitted to trade any liquor as prayed under the relief clause. The learned Single Judge was justified in dismissing the writ petition and no case for interference is made out in the matter. Accordingly, the writ appeal also stands dismissed.” Case Title: HIP BAR PVT. LTD And STATE OF KARNATAKA Case No: WRIT APPEAL NO.3834/2019 Date of Order: 18th February 2021 Coram: Justice Satish Chandra Sharma and Justice V.SRISHANANDA Appearance: Senior Advocate K.G.RAGHAVAN, a/w Advocate HITESH KUMAR AND Advocate NIVEDITA SHENOY for appellant. Advocate I.THARANATH POOJARY for respondents Click here to read/download the judgment Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more