SARAJEVO, Dec. 9 (Xinhua) -- European Union (EU) Enlargement Commissioner Johannes Hahn handed the government of Bosnia and Herzegovia (BiH) an EU questionnaire on the country's readiness to join the 28-member bloc here on Friday.

Denis Zvizdic, Chairman of the Council of Ministers of BiH, received the questionnaire from Hahn, which contains 3,242 questions.

The BiH government must answer the questions in the next six months. The questionnaire will assess BiH's economy, compliance with human rights, the rule of law and other obligations required of countries wishing to become EU member states.

A successful questionnaire means BiH will be ready to move forward in the accession process, namely, to become a candidate country and open the accession negotiations.

"The questionnaire represents the most detailed, most complicated and most complex task for the institutions of BiH," Zvizdic told reporters after a meeting with Hahn.

Hahn stressed that the process of European integration was a process that would bring stability and security to BiH and the consequence of all this was to increase the level of welfare for BiH citizens.

"It is something that brings better prospects for BiH. It will bring jobs and very concrete benefits for the citizens," he said.

On Feb. 15 of this year, BiH formally submitted its application to join the EU.

The EU's 28 member states accepted BiH's EU membership application on Sept. 20 in Brussels and ordered the European Commission to prepare an assessment of the Balkan country's readiness to join the bloc.

SYDNEY, Nov. 8 (Xinhua) -- The Commonwealth Bank of Australia (CBA) has posted a flat first-quarter cash earnings of 2.4 billion Australian dollars (1.8 billion U.S. dollars) ending Sept. 30, no thanks to a low interest rate environment, a stronger Australian dollar and higher insurance claims.

Australia's multinational lender on Tuesday said its net interest margin also declined due to higher funding costs, but home lending, domestic business lending and household deposits all grew.

"Loan Impairment Expense (LIE) was 322 million Australian dollars (247 million U.S. dollars) in the quarter, equating to 18 basis points of gross loans and acceptances, compared to 19 basis points in FY16," CBA said in a statement.

"Consumer LIE was higher in the quarter, primarily driven by continued stress in areas of WA and QLD impacted by the mining downturn."

The quarter also saw CBA's troublesome and impaired assets rose from 5.5 billion Australian dollars (4.24 billion U.S. dollars) in the previous period to 6.8 billion Australian dollars (5.24 billion U.S. dollars), reflecting the impact of lower prices in the New Zealand dairy sector.

CMC Markets chief market strategist Michael McCarthy told Xinhua that the CBA first-quarter results were broadly in line though some elements did not please its investors.

"There are some areas of some different concern and in the wholesale funding spread and the business lines are reflecting that the environment remains competitive for wholesale banking," he said.

At 16:10 local time (AEDT), CBA shares were down 0.63 percent at 72.07 Australian dollars (55.51 U.S. dollars).

Going Beyond The Newspaper To Effectively Market Your Reverse Mortgage Business Going Beyond The Newspaper To Effectively Market Your Reverse Mortgage Business July 3 Cheap John Miller Jersey , 2013 | Author: Jacob Thomas | Posted in Business

You have to know what you are up against to be the best at reverse mortgage consulting service business. Your best bet is to scope out the competition. You can rise to the top if you know and can rise above your competitors. You that with these tips.

Nepotism has no place in your reverse mortgage consulting service business. Never play favorites and always be fair when it comes to employee treatment. This will help you reach all of your goals and more.

Timely delivery of the products is important. Whenever a client places an order Cheap Shaq Lawson Jersey , you must react actively to deliver the product on time. It can be helpful for you to build a repute among the customers.

While you might not think reverse mortgage consulting service business cards work Cheap Nathan Peterman Jersey , they can lead people to your business. If you hand out your mortgage business cards to people Cheap Dion Dawkins Jersey , you might tempt them to come into your business and make a purchase. Hand out your reverse mortgage consulting service business cards to everyone and participate in promotions in order to keep your business on everyone’s mind.

A variety of coupon sites offer customers with daily deals that also provide reverse mortgage consulting service businesses with tremendous opportunities. Showcase how much your customers can save Cheap Zay Jones Jersey , and then be prepared for an abundance of business! If you are looking to offer a coupon Cheap Tre’Davious White Jersey , consider using a site like Groupon or LivingSocial to gain broad exposure through coupon marketing.

It is imperative that you plan for the future. Just keeping things going as they are will not get you the results you want. Take advantage of every opportunity if you want your reverse mortgage consulting service business to expand and prosper.

Constant improvement is essential if you wish to enhance your reverse mortgage consulting service business. You can do this by measuring your revenue figures Cheap Kyle Williams Jersey , by taking customer suggestions and also by observing that how much your customers are satisfied by your services.

A great way to increase the amount of positive word-of-mouth about your reverse mortgage consulting service business is to do your best to always exceed customer expectations. This will allow you to stand out among your competition. Watch your client-base expand exponentially simply because you went a little beyond the normal level of service.

Remember to keep telling yourself.