Calzada Limited (CZD) – Financial and Strategic SWOT Analysis Review

Calzada Limited (Calzada), formerly Metabolic Pharmaceuticals Limited, is a biotechnology company. It conducts its operations trough its subsidiaries, namely, Metabolic Pharmaceuticals Pty Ltd (Metabolic) and PolyNovo Biomaterials Pty Ltd. (PolyNovo). The company, through PolyNovo, has developed the NovoSorb technology, which carries out the development of medical devices for pharmaceutical and healthcare industry. It focuses on a wide range of therapeutic areas such as diverse wounds, burns, cardiovascular, orthopaedic, periodontal, cartilage and drug delivery. The company also developed a drug development platform for oral versions of a variety of injected peptide drugs. It operates in a single industry segment being pharmaceutical and healthcare industry and one geographical segment in Australia. Calzada is headquartered in Melbourne, Victoria, Australia.

The key business strategies of the company include enhanced focus on developing medical devices using its NovoSorb technology for pharmaceutical and healthcare industry. It also aims to maintain its existing partnerships and to enter new collaborative agreements to fuel its services. This intent can be indicated from the recent collaborations with major US medical device company, for conducting a one year feasibility study on a specific application of PolyNovo’s biodegradable polymer technology. Its key strategies also include the development of NovoSkin BTM to pilot clinical trial and support SNN activities.

Calzada Limited Key Recent Developments

Aug 28, 2013: calzada limited preliminary final report Feb 25, 2013: Calzada Reports H1 Fiscal 2013 Results

This comprehensive SWOT profile of Calzada Limited provides you an in-depth strategic analysis of the company’s businesses and operations. The profile has been compiled by GlobalData to bring to you a clear and an unbiased view of the company’s key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms part of GlobalData’s -Profile on Demand’ service, covering over 50,000 of the world’s leading companies. Once purchased, GlobalData’s highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Calzada Limited including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including*,

– Business description – A detailed description of the company’s operations and business divisions. – Corporate strategy – Analyst’s summarization of the company’s business strategy. – SWOT Analysis – A detailed analysis of the company’s strengths, weakness, opportunities and threats. – Company history – Progression of key events associated with the company. – Major products and services – A list of major products, services and brands of the company. – Key competitors – A list of key competitors to the company. – Key employees – A list of the key executives of the company. – Executive biographies – A brief summary of the executives’ employment history. – Key operational heads – A list of personnel heading key departments/functions. – Important locations and subsidiaries – A list and contact details of key locations and subsidiaries of the company. – Key manufacturing facilities – A list of key manufacturing facilities of the company. – Detailed financial ratios for the past five years – The latest financial ratios derived from the annual financial statements published by the company with 5 years history. – Interim ratios for the last five interim periods – The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history. For more information kindly visit :

Financefix- They help your future by fixing your financial constraints

Finance from a bank or a company is increasingly becoming an indispensable need of our lives. Whether, be it for personal purpose or commercial, loan from a company or a bank help you in the wake of financial constraints. It is thus very important to manage your finances effectively. One may need loans for buying a house or a car, for business growth, or to acquire costly education. Inept management of finances can lead to restoration shortages. Experts believe that improved credit scores increases the probability of getting a loan way too easily. A good credit history is considered highly important and is an essential factor for a lot of banks and companies on which they provide loans.

Thus, a problematic or bad credit history can indeed create issues in the way of getting finances or loans. In that case, one can always turn to Financefix. Financefix Private Limited, incorporated in year 2006 is a proud member of Financiers Association of Australia. It was found at a time when so called -mainstream- finance was not available for those people who had some finance issues in the past. As a result, it created defaults on their credit history file forbidding them from getting finances from a bank or a company.

Thus, the need of setting up of Financefix was felt to help people who could not get through the mainstream finance. Financefix believes that most of them were good people but were incapable of getting finances because they had certain credit problems. Even when they are capable of affording a loan, their past record doesn’t allow them to get through any of the mainstream finance companies or banks. Therefore, Financefix ensures to finance such people with credit problems in the past, provided they earn enough to afford the repayments.

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Brokers Benefit From Financial Deregulation

The major banks have taken advantage of the current mortgage market by increasing their share of home loan that used to be held by smaller lenders. These include Westpac’s takeover of St George and CBA’s takeover of BankWest.

The credit crunch has allowed the majors to squeeze smaller lenders out of the market. But there were still 13,690 mortgage brokers practicing in Australia despite the squeeze. Of those, 10,000 were individuals.

Now the Federal Government is pumping an extra $8 billion into the mortgage market to “support competition”. But will this work?

Previously, non bank lenders competed with the majors on price and grabbed a large slice of the action. Subsequently, the major banks reduced their rates and offset the loss of income by closing thousands of branches across the nation.

Some people could see that the market was reorganizing itself and that there were opportunities to start businesses. Thus mortgage brokers as we now know them established themselves.

Each lender will only deal directly with brokers who submit a minimum level of applications per month. These minimum levels might be set around the one million dollar mark and brokers must meet them to maintain a direct relationship.

This is quite an ask for most mortgages brokers. One million dollars worth or home loans may constitute anywhere between one and five successful applications. Not many small brokers would be able to meet that minimum requirement and would be able to keep that direct relationship alive.

The mortgage broking industry therefore came into existence during a time when financial deregulation took hold in Australia. Brokers effectively became the sales team for smaller lenders who were not able to reach customers through their own resources.

Most non bank lenders do not have a network of branches they can use to peddle their wares. Nor do they have a large marketing budget that will allow them to advertise on TV. Mortgage brokers fill that void by selling the products that smaller lenders offer to the general public.

Mortgage brokers receive income by way of commissions from these lenders. They are paid per application that is approved and the loan subsequently drawn down by the borrower. Sometimes some of the commissions go to aggregators or franchisors if the brokers work under them. The aggregators help the brokers get around the minimum volume requirements, which allows them to deal with more lenders and offer their clients more choice.