It’s
been awhile since I delved into the reading of annual reports. Last night I
decided to read reports of several listed O&G/marine companies in
Singapore.
been awhile since I delved into the reading of annual reports. Last night I
decided to read reports of several listed O&G/marine companies in
Singapore.
Big losses
Undoubtedly
many listed O&G/marine companies were in dire straits and outlook ahead
were uncertain. There is no question that balance sheets of many these
companies are strained with piling debts. Liabilities exceeded assets with
limited cash to keep business going. Not to mention the reliability of the
“assets”, if they truly worth what it was stated. Auditors also raised going
concern doubts for many companies.
many listed O&G/marine companies were in dire straits and outlook ahead
were uncertain. There is no question that balance sheets of many these
companies are strained with piling debts. Liabilities exceeded assets with
limited cash to keep business going. Not to mention the reliability of the
“assets”, if they truly worth what it was stated. Auditors also raised going
concern doubts for many companies.
Many
companies had loses in 2015 & 2016 that cannot even covered what they had
been earning for the last 5 or more years during the hey days when Oil prices
were soaring. Loses can be as high as tens or even hundreds of millions per
annum for companies with market cap of less than 100 millions. Year 2017, which
was yet to be reported, is likely to be even worse.
companies had loses in 2015 & 2016 that cannot even covered what they had
been earning for the last 5 or more years during the hey days when Oil prices
were soaring. Loses can be as high as tens or even hundreds of millions per
annum for companies with market cap of less than 100 millions. Year 2017, which
was yet to be reported, is likely to be even worse.
Perhaps
it left us wondering where did these companies manage to get the cash to incur
the huge loses and yet still able to sustain salary packages and continue their
operation.
it left us wondering where did these companies manage to get the cash to incur
the huge loses and yet still able to sustain salary packages and continue their
operation.
Big salaries
Due
to the bad results, cost cutting is often one of the inevitable measures cited
by Chairman and CEOs to weather the storm of the sector downturn.
to the bad results, cost cutting is often one of the inevitable measures cited
by Chairman and CEOs to weather the storm of the sector downturn.
Ok,
cut the salaries of CEOs, directors and top management then in proportion to
the company’s performance then!
cut the salaries of CEOs, directors and top management then in proportion to
the company’s performance then!
Hmmm…..
a peek at the annual salary packages of many of these companies’ top management
reveals that most of them are all still drawing annual income at levels of
>250 or >500 thousands. Perhaps it is not much lower, if not even same or
even higher as during the good times before the oil crisis. Independent directors, who usually are acting
as advisors attending few meetings a year, are also still getting their fair
share of very good money.
a peek at the annual salary packages of many of these companies’ top management
reveals that most of them are all still drawing annual income at levels of
>250 or >500 thousands. Perhaps it is not much lower, if not even same or
even higher as during the good times before the oil crisis. Independent directors, who usually are acting
as advisors attending few meetings a year, are also still getting their fair
share of very good money.
Imagine
the top management trying to cost-cut those earning less than 50k p.a. and
making work life difficult for them, when they are still lucratively earning
500k yearly, and may still traveling on first or business class flights on
company expenses.
the top management trying to cost-cut those earning less than 50k p.a. and
making work life difficult for them, when they are still lucratively earning
500k yearly, and may still traveling on first or business class flights on
company expenses.
Isn’t
the top management the ones who are responsible for the profit and losses of
the companies? With the companies incurring far-fetched loses, yet those
responsible are still getting fat pay-checks, but squeezing and stressing those
employees who desperately need the paltry salaries to sustain their family
expenses.
the top management the ones who are responsible for the profit and losses of
the companies? With the companies incurring far-fetched loses, yet those
responsible are still getting fat pay-checks, but squeezing and stressing those
employees who desperately need the paltry salaries to sustain their family
expenses.
The main culprits
The banks
are of course even worse and the main culprits who started all these in cahoots
with the CEOs. They were the ones who introduced the various debt instruments
and cheap money to the CEOs for expansion during the good times.
are of course even worse and the main culprits who started all these in cahoots
with the CEOs. They were the ones who introduced the various debt instruments
and cheap money to the CEOs for expansion during the good times.
When
crisis struck and things got screwed, it is evident that on paper, companies
and banks suffered huge loses. Yet, these losses incurred for banks and
companies are somehow all paper money only. Individually, many of the top
employees are still filthy rich.
crisis struck and things got screwed, it is evident that on paper, companies
and banks suffered huge loses. Yet, these losses incurred for banks and
companies are somehow all paper money only. Individually, many of the top
employees are still filthy rich.
Oh…
by the way, the worst it can get is that banks and companies can always
introduced all sorts of complicated debt-restructuring programs to continue to
keep the companies afloat, cleverly “playing” time delay. Even if listed companies
were to undergo bankruptcies or judicial management, many of these companies
still keep the top management and pay them good salaries.
by the way, the worst it can get is that banks and companies can always
introduced all sorts of complicated debt-restructuring programs to continue to
keep the companies afloat, cleverly “playing” time delay. Even if listed companies
were to undergo bankruptcies or judicial management, many of these companies
still keep the top management and pay them good salaries.
The material winners and losers
Regardless
of crisis or not, bankers who introduced the various debt instruments still get
their lucrative commissions. CEOs and top management still get their fat
salaries. Even many major shareholders who lost lots of their “paper stock
money” were really not that affected financially, having already cash out
during the euphoric share price rise during IPO.
of crisis or not, bankers who introduced the various debt instruments still get
their lucrative commissions. CEOs and top management still get their fat
salaries. Even many major shareholders who lost lots of their “paper stock
money” were really not that affected financially, having already cash out
during the euphoric share price rise during IPO.
On
the contrary, employees who work their ass out, earning meager salaries get
stress up now or lost their jobs and struggled to pay their bills! Small
investors of these companies lost their hard-earn monies and cried foul.
the contrary, employees who work their ass out, earning meager salaries get
stress up now or lost their jobs and struggled to pay their bills! Small
investors of these companies lost their hard-earn monies and cried foul.
The root of the roots
Of
course all the debt instruments have no chance to be introduced, unless the
governmental/regulatory authorities allowed them.
course all the debt instruments have no chance to be introduced, unless the
governmental/regulatory authorities allowed them.
Remember
that during the crisis of 2009, many of the O&G/marine companies were not
that badly hit, primarily because they were not so indebted by all the “bonds
and MTNs”.
that during the crisis of 2009, many of the O&G/marine companies were not
that badly hit, primarily because they were not so indebted by all the “bonds
and MTNs”.
It
is all greed!
is all greed!
And going back to the source, perhaps it is not even the CEOs or
bankers, or bank CEO…. but perhaps the country herself. You can either call it “the
ambition of an aspirated accelerated economic growth”, or simply “evil
gimmicks”.
bankers, or bank CEO…. but perhaps the country herself. You can either call it “the
ambition of an aspirated accelerated economic growth”, or simply “evil
gimmicks”.
The scenario in the O&G
sector is merely a small warning and maybe even very mild in its evilness.
sector is merely a small warning and maybe even very mild in its evilness.
Consider
all those tech companies who have been making losses every year, all you need
is a good story for the fund managers or even governmental agencies to buy into
it, then the owner will be able to cash out, paying themselves good salaries using
public or agencies’ monies and the success story will continue.
all those tech companies who have been making losses every year, all you need
is a good story for the fund managers or even governmental agencies to buy into
it, then the owner will be able to cash out, paying themselves good salaries using
public or agencies’ monies and the success story will continue.
Not complaining, just to bring
awareness
awareness
Anyway,
I am not complaining, and am never the kind who rants and complains. I just want to inform that this is truly the
world we are living in today.
I am not complaining, and am never the kind who rants and complains. I just want to inform that this is truly the
world we are living in today.
And
a disclaimer that I am not one of those suffering in the above-mentioned
companies listed in Singapore. In fact the company that I had been working for
many years now, is seeing record high order intake lately that as a group that
we are really running short of capacities. It is definitely a unfamiliar situation considering that in 2015 and 2016 we are also laying off hundreds of people as a group and significant retrenchments in Singapore also. Please accept that I am not boasting of the fortunate situation my company is experiencing now, but instead I am sincerely humble and grateful. All is by the grace of higher powers maybe, lest anyone should boast and claim credit?
a disclaimer that I am not one of those suffering in the above-mentioned
companies listed in Singapore. In fact the company that I had been working for
many years now, is seeing record high order intake lately that as a group that
we are really running short of capacities. It is definitely a unfamiliar situation considering that in 2015 and 2016 we are also laying off hundreds of people as a group and significant retrenchments in Singapore also. Please accept that I am not boasting of the fortunate situation my company is experiencing now, but instead I am sincerely humble and grateful. All is by the grace of higher powers maybe, lest anyone should boast and claim credit?
Somehow this article is to bring to the awareness that it is quite ridiculous how this world has become, chasing the material aspects of life, especially in affluent city like
Singapore. And people are becoming more and more selfish, self-loved and
self-centered, always only thinking “what is it for me?” or “what can I get out
of it?” rather than how can I help the needy looking at their root problems? Undoubtedly the rich are becoming richer,
and the poor, poorer…the evil becoming more evil, and the righteous becoming
more righteousness still (hopefully).
Singapore. And people are becoming more and more selfish, self-loved and
self-centered, always only thinking “what is it for me?” or “what can I get out
of it?” rather than how can I help the needy looking at their root problems? Undoubtedly the rich are becoming richer,
and the poor, poorer…the evil becoming more evil, and the righteous becoming
more righteousness still (hopefully).
Final thoughts
Although
it is totally unsurprising for me that this kind of unrighteous ethics is going
to be more commonplace or even more wicked as time passes, it does disgust me a lot to continue
reading on the annual reports, last night. Haha…
it is totally unsurprising for me that this kind of unrighteous ethics is going
to be more commonplace or even more wicked as time passes, it does disgust me a lot to continue
reading on the annual reports, last night. Haha…
So I
stopped reading the reports, and this also contributed to one of the reasons
why I am blogging lesser nowadays about all the stocks and the material aspect
of life. Material wealth and power of this world after-all is temporary and will just disappear once
your time in this present age ended. So why are we spending so much time on it anyway. I did chase that a lot once upon time and are glad that I see the light now.
stopped reading the reports, and this also contributed to one of the reasons
why I am blogging lesser nowadays about all the stocks and the material aspect
of life. Material wealth and power of this world after-all is temporary and will just disappear once
your time in this present age ended. So why are we spending so much time on it anyway. I did chase that a lot once upon time and are glad that I see the light now.
Are you now still chasing?
Instead
I am concentrating more on the true wisdom in life, which is making the most
out of life, rather than making lots of money. It is about impacting and
changing lives of people around me with the true purpose of our existence.
I am concentrating more on the true wisdom in life, which is making the most
out of life, rather than making lots of money. It is about impacting and
changing lives of people around me with the true purpose of our existence.
You may not realise. The more a person becoming more selfless in a wise manner, the more eventually all the things will fall in place peacefully. It includes relationships with families, friends and in work place and even your finance will miraculously fall into place, lest you even keep focusing on it.
Enough
said. If you are reading this article till now, I am truly thankful. May you
and your loved ones be blessed with true love, peace and joy, and keep on becoming
more and more righteous and selfless, making the most out of life.
said. If you are reading this article till now, I am truly thankful. May you
and your loved ones be blessed with true love, peace and joy, and keep on becoming
more and more righteous and selfless, making the most out of life.
Oh yar…. this is my first blog article in 2018. Happy New Year to all the readers and have a splendid 2018 and beyond ahead.
CEOs and Top Mgmt are at the top of food chain!
haha… food chain. Thought that is for animals eating one another…
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Since 1990s many corporate structures & culture have been designed to benefit senior mgmt much more than ordinary shareholders.
As retail shareholders, we need to be as nimble as fleas — go along for the ride on the furs during good times, but know when to jump off when the dog is sickly and/or anti-flea chemicals going to be sprayed on the fur!
Hi,
Indeed the corporate world is always benefiting the top. To think of it, the world itself is in the same design perhaps.
Jumping on/off at right time is correct, though requires lots of experience and even luck. 🙂
Always good to read insights of the o&g reviews from you! Think O&G is a political business not just at the corporate level. Look at how the different countries are fighting and sabotaging each other to set the prices of oil.
Hi LYCBF,
Thanks for reading. You are right. Oil is necessity n quite close to being liquid form of money. Whoever controls it also have power n authority. Hence the conflict at a national level. But pls note that Singapore do not have direct oil business since we do not own oil/gas producing fields unlike our neighboring ctries. Our O&G is mainly in trading and support related business.
Hi Rolf, I miss your articles. Do come back more often. We will always be a slave to this corporate world, unless we are CEO 🙂
Hi Cheryl,
I am humbly honored by ur interest here. Thanks & *winks*! 🙂
With ur kind encouragement, I also intend to write more in 2018, hopefully I can, considering the children and the work.
CEOs can be slaves also… slaves of power and authority. Prior to becoming CEOs, they are also like anyone of us, slaves of money and work….
Hahaha.. all are slaves… maybe we can be servants rather than slaves.
I wish you all the best.
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Hi Rolf,
Been frequently your blog and impressed by your articles. Not in the oil and gas but good to hear insights and non corporate speak from someone in it.
It is important to stay positive especially in a cyclical business and oil and gas. Hope things will be better for you. A half filled glass can be half full or half empty depending on how you look at it.
Hi Rolf,
My thoughts are that all the imbalances, the greed are there for a reason, just like light cast a shadow, hot water allow tea to be frangrance.
Greed, fear, Vanity, we are all perpetrators of these sin at various level.
But some knowingly use it to prey on others, perhaps that is what u say is evil.
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Hi, it is an insightful and an inspiring article! I do agree that the world has evolved alot and not to say Singapore as an affluent city has changed also. I like your sharing, and i would really wanted a fulfilling and selfless life as well. Thank you
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Thank you for sharing the insight.
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Good Day Everyone.
Am here to share my testimony what a Good trusted lady did for me. My name is Cristina Mihaela am from Denmark and I'm a mother of 4 kids and i lost my husband last year November 8th and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $17,000.00 dollars, all my Husband access where taken away from us by his brothers, all my hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to MRS SUSAN JAMES LOAN COMPANY. You can contact her through Whats-app Number:+1(587)206-1157 or via the company email: ([email protected] or [email protected]) she did not know am doing this for her,but i just have to do it because a lot of people are out there who are in need off a loan. You can also Contact the company Website: https://susanjamesloanfirm.wixsite.com/loan-officer
Welcome to AVANT LOANS, Do you need a genuine loan Online to secure your Bills? Starts a new business? Do you need a personal loan? or Business loan, Apply for a quick and convenient loan to start a new financing of your projects at a cheapest interest rate of 2%. Are you in need of a Loan of any amount? Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Scores or Lack of Collateral Security? and you are in an urgent need of this Personal Or Business Loan to re-finance your business, pay your bills, settle your bad credit problems, buy and own a house of your own? etc. CONTACT US NOW VIA EMAIL:{ [email protected] }
Avant Loans is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. Avant has demonstrated strong credit performance and maintains one of the industry’s highest consumer ratings according to leading consumer review sites. Apply for any kind of loan and any amount of your choice today by reaching us through email: { [email protected] }
Avant Loans believe Everyone deserves a better financial future if they strive for it. We’ve built a marketplace that keeps costs low and opportunity high.
You can also reach us via our website but for instant reply fill in the application form below and forward to our email address { [email protected] }
* Full Name:
* Loan amount needed:
* Loan Duration:
* Purpose of loan:
* City / Country:
* Telephone no:
* How Did You Hear About Us:
Genuinely Interested to get a loan then kindly email us { [email protected] } with the loan requirement above.
Sincerely yours,
Etienne L. Audrey
Company: Avant Loans
Contact: [email protected]
Do you need Finance?
Are you looking for Finance?
Are you looking for a money to enlarge your business?
We help individuals and companies to obtain loan for business
expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:[email protected]
Do you need a quick long or short term loan with a relatively low-interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the r world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us at email: [email protected]
call or add us on what's app +1 647-489-4414
Please, do provide us with the Following information If interested
1) Full Name:………
2) Gender:………
3) Loan Amount Needed:………
4) Loan Duration:………
5) Country:………
6) Home Address:………
7) Mobile Number:………
8)Monthly Income:…………………
9)Occupation:………………………
)Which site did you here about us…………………
Thanks and Best Regards.
email : [email protected]
call or add us on what's app +1 647-489-4414
Do you need a quick long or short term loan with a relatively low-interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the r world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us at email: [email protected]
call or add us on what's app +1 647-489-4414
Please, do provide us with the Following information If interested
1) Full Name:………
2) Gender:………
3) Loan Amount Needed:………
4) Loan Duration:………
5) Country:………
6) Home Address:………
7) Mobile Number:………
8)Monthly Income:…………………
9)Occupation:………………………
)Which site did you here about us…………………
Thanks and Best Regards.
email : [email protected]
call or add us on what's app +1 647-489-4414
Do you need a quick long or short term loan with a relatively low-interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the r world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us at email: [email protected]
call or add us on what's app +1 647-489-4414
Please, do provide us with the Following information If interested
1) Full Name:………
2) Gender:………
3) Loan Amount Needed:………
4) Loan Duration:………
5) Country:………
6) Home Address:………
7) Mobile Number:………
8)Monthly Income:…………………
9)Occupation:………………………
)Which site did you here about us…………………
Thanks and Best Regards.
email : [email protected]
call or add us on what's app +1 647-489-4414
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.
DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.
All relevant business information will be provided upon request plus our terms and
procedures.
Contact name: Azra Ishaque
Email : [email protected]
Skype : lintel.financialservicesplc
Need a Debt Loan To Pay Off Bills?
Take control of your debt today
Available Now Business Expansion Loan Offer?
Do you need a loan to pay off Bills?
Do you need a loan?
Do you need Personal Loan?
Business Expansion Loan?
Business Start-up, Education,
Debt Consolidation Loan
Hard Money Loans
Loan for any thing ?
We offer loan at low interest rate of 3%
Loan with no credit check,
Email us: [email protected]
Whats App +91-9818603391
We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.
* FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
* FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.
Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
Contact Name : Blaine Lorcan
Contact Email: [email protected]
Skype:[email protected]
WhatsApp: +1(501)420-4128
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
AT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : [email protected]
Skype: [email protected]