Latest news with #BTL
The Independent
23-07-2025
- Business
- The Independent
Mortgage brokers ‘seeing rise in amount of lending agreed for their clients'
Nearly four-fifths of mortgage brokers are noticing a rise in the amount of lending agreed for their clients, according to a survey. HSBC UK's mortgage broker barometer, which gathered sentiment from more than 1,100 mortgage brokers in July 2025, found 78% had seen an increase in the amount of lending agreed. Many lenders have recently made changes allowing some homeowners to borrow more, following clarification from the Financial Conduct Authority (FCA). Following changes to its own stress rates, HSBC UK estimated the average mortgage offer for first-time buyers will be £39,000 higher than would previously be offered. Nine in 10 (93%) brokers surveyed said that it is important for their clients to increase their borrowing power. Nearly two-thirds (63%) of brokers have said they are seeing clients take proactive steps to improve their credit score. The same proportion (63%) expect mortgage applications to increase over the next six months. Confidence on buy-to-let (BTL) mortgages is more muted, the report indicated, with the majority of brokers expecting BTL applications to remain at the current level. Nearly nine in 10 (87%) brokers surveyed predict that the Bank of England base rate will be reduced over the course of the year. Chris Pearson, head of intermediary mortgages at HSBC UK, said: 'The recent adjustments to stress rates by lenders are clearly making a positive and tangible impact. 'This broker barometer shows that almost eight in 10 brokers are seeing an uptick in the amount of lending agreed for their clients. This is a crucial development as it directly translates into enhanced buying power and greater accessibility for aspiring homeowners, reflecting a more responsive market.'
SowetanLIVE
09-07-2025
- Entertainment
- SowetanLIVE
JC Le Roux brings glitzy glam main character energy to the Durban July
'Plush seating and two gold-accented bars anchored a setting that was equal parts luxurious and relaxed, and that was designed to re-energise guests and transport them from the outside world, transforming them from spectator to honoured guest,' says Siphokazi Solani, BTL Brand & Events Executive for the Wines Category at Heineken Beverages SA, owner of the JC Le Roux brand. 'The picnic garden became a sanctuary where guests unwound, reconnected and enjoyed the moment.' At the centre of the marquee was the Marvellously You wall — a bold, LED-lit installation that featured mock paparazzi moments, iconic visuals and plenty of space for guests to pose, snap selfies and be seen. The experience was enhanced by the Sparkle Walk, which encouraged guests to show off their fashion with spontaneous runway moments. Cheered by the crowd and celebrated for their style, guests become part of a unique celebration of South African individuality. Throughout the day, guests were treated to customised tasting experiences that included JC Le Roux's signature Cap Classique Scintilla. These pairings were brought to life with short masterclasses and tasting notes that allowed guests to engage more deeply with the legacy of JC Le Roux, one that proudly blends Stellenbosch tradition with a contemporary, celebratory spirit. Adding rhythm and joy to the experience were the Sparkling Queens — a group of charismatic dancers who moved through the marquee as ambassadors of celebration. Dressed in radiant, eye-catching couture, they engaged with guests and brought spontaneous bursts of dance and joy. More than performers, they brought heart to the event.
Cision Canada
05-06-2025
- Health
- Cision Canada
BTL Announces Expanded Clearances and Versatility for EMSELLA® Platform
TORONTO, June 5, 2025 /CNW/ -- BTL, a global leader in non-invasive medical solutions, proudly announces expanded Health Canada License for its revolutionary EMSELLA® platform, reinforcing its leadership in pelvic health and intimate wellness. FDA-cleared and Health Canada-licensed for the treatment of urinary incontinence in both men and women, Emsella now also holds an additional Health Canada license and CE-mark certification for enhancing sexual function in patients experiencing somatic sexual arousal disorders caused by weak pelvic floor muscles. Backed by robust clinical outcomes, EMSELLA continues to redefine non-invasive care across pelvic health and sexual function. Key findings include: Sexual Dysfunction Statistics: 76% improvement in sexual satisfaction and desire 1 60% improvement in orgasm quality 1 37% improvement in maintaining erection during intercourse 2 48% improvement in pelvic muscle endurance 3 When compared to other modalities, EMSELLA outperforms significantly: 7x more effective than pelvic floor muscle training "EMSELLA continues to surpass expectations—not just in treating incontinence but in restoring confidence, and overall quality of life," said David Chmel, CEO of BTL North America. "These expanded clearances and clinical outcomes validate what providers and patients have long experienced: EMSELLA delivers meaningful results in a way that's accessible, comfortable, and non-invasive." Shari Caplan, MD, CCFP, FCFP, FAARM, a board-certified expert in functional, integrative , anti-aging, and intimate health said, "We're witnessing a complete shift in how pelvic and sexual health is approached. Patients are achieving results we used to think were only possible with surgery or years of therapy. EMSELLA has become a go-to solution in my practice for urinary control and sexual wellness for both men and women." As the demand for intimate wellness treatments rises, EMSELLA remains uniquely positioned as an effective and versatile tool for addressing some of the most intimate and often under-discussed health concerns. To learn more about EMSELLA, visit About BTL Founded in 1993, BTL is a global leader in medical devices, providing innovative solutions in dermatology, plastic surgery, med spas, orthopedics, joint and spine care, rehabilitation, dentistry, primary care, OB/GYN, and more. With 350+ patents and over 580 in-house engineers, BTL leverages technology and science to advance medical treatments. Its product portfolio includes , EMSCULPT NEO®, EMFACE®, EXION™, EXOMIND™, EMSELLA®, and others. For more information, visit
Time of India
21-05-2025
- Business
- Time of India
Indus contributions, stronger Africa biz to boost Airtel cash flows in FY26: S&P Global
Kolkata: Bharti Airtel is likely to report higher cash flows in FY26, on the back of earnings contribution from its towers unit, Indus, and strong operating performance of its Africa business, international ratings agency, S&P Global said Wednesday. As per company data, Bharti Airtel 's cash & cash equivalents in FY25 stood at ₹10,653.1 crore. The global ratings agency expects Airtel's rising earnings to strengthen its ratio of funds from operations (FFO) to debt to over 30% in the next 12-24 months. It, though, added that the telco would need to maintain the ratio at well above 30% to ensure a higher standalone credit profile (SACP). 'The consolidation of telecom tower subsidiary, Indus Towers , and the full-year impact of the last round of mobile rate hikes will underpin Airtel's rising earnings in FY26, and further support will come from stabilising forex rates and the underlying strength in the operating performance of the company's Africa operations,' S&P Global said in an official statement. Airtel shares were up 0.58% to ₹1819 in Wednesday mid-morning trade on the BSE. Airtel Africa had recently reported an $80 million net profit in the March quarter — compared with a $91 million net loss a year back — while its quarterly revenue had risen 18 % on-year to $1.31 billion on the back of tariff adjustments in the key Nigeria market and easing of currency headwinds. S&P Global estimates Airtel's adjusted Ebitda in FY26 will rise 14-16% to ₹110 crore (INR 1.1 bn). Earlier this month, Airtel posted a five-fold jump in its fourth-quarter net profit, boosted by a tax benefit and strong subscriber additions in its India mobile broadband business. Analysts expect the country's second-largest telco to deliver stronger results with strong operating margins in coming quarters, benefitting from earlier investments in strengthening its 4G network and 5G rollout, and a likely moderation in mobile capex spends. S&P Global, though, said it would increasingly consider the rising debt of Bharti Telecom Ltd (BTL) - the main promoter-level controlling company of Airtel - in its analysis of the Sunil Mittal-led telco's creditworthiness, going forward. 'Higher debt at Bharti Telecom carries the risk of the company depending on dividends from Airtel to service its debt. This is since Airtel is BTL's largest asset,' S&P Global said. The global ratings agency estimates BTL's net debt at ₹40,000 crore as of March 31, 2025, which is about 16% of Airtel's adjusted debt on the same date. 'This is up from (BTL's) ₹25,000 crore at the end of FY24.' In recent years, Singtel and the Mittal family — the co-promoters of Bharti Airtel — have been shifting their direct holdings in Airtel to BTL, which has been funding such deals via debt. Consequently, BTL's debt levels have increased because of its rising stake in Airtel. BTL's stake in Airtel is now at 40.47%.
Mid East Info
19-05-2025
- Business
- Mid East Info
Informa Connect Academy, in partnership with EFQM, launches the full suite of certified programmes to drive sustainable performance improvement
Dubai, UAE, May 19th Informa Connect Academy, in partnership with EFQM, is set to launch the EFQM Certified Business Transformation Leader (BTL) Pathway – a strategic initiative designed to develop future-ready leaders capable of driving sustainable organisational excellence. This expansion brings EFQM's high-impact training to the Middle East, United Kingdom, and Australia. The BTL qualification prepares leaders with the most holistic, credible, and internationally recognised framework, tools, and methodologies available for long-term performance improvement. Rooted in data gathered from thousands of EFQM assessments, the training leverages both quantitative and qualitative insights, supported by the EFQM Model's RADAR diagnostic and global best practices. Participants in this pathway go beyond short-term project wins. They build the ability to embed continuous change, align strategy with culture and execution, and deliver outcomes that create value for all stakeholders. Delivered as a multi-level learning journey, the pathway includes four progressive stages: Foundation, Practitioner, Expert, and ultimately, Master. Each stage is purposefully designed to strengthen practical capabilities in assessment, performance improvement, change, and sustainability. Professionals can earn certifications including the EFQM Excellence Expert, Improvement Expert, Change Expert, and Sustainability Expert. By completing any three expert tracks, participants are awarded the EFQM Business Transformation Leader Certification – a mark of their readiness to lead with clarity, strategy, and measurable impact. Whether organisations are preparing for transformation, aiming to enhance performance, or focused on building a culture of excellence, the pathway enables professionals to specialise across four key tracks: A Certified Excellence Expert is equipped with the knowledge, expertise, and tools to objectively assess organisational performance, identify key opportunities, and guide their organisation to sustainable performance using the EFQM Model. A Certified Improvement Expert is equipped with the skills and tools to embed a culture of continual improvement throughout the organisation, ensuring positive benefits are sustained over the long term. A Certified Change Expert is equipped with the skills and tools to manage organisational change, ensuring the organisation remains competitive in the rapidly evolving market environment. A Certified Sustainability Expert is equipped with the tools to apply The EFQM Model to integrate sustainability into their organisation's operations, from finance to environmental practices, ensuring compliance with evolving regulations Trusted by International brands like BMW, Bosch, Abu Dhabi Police, Signify and more, the EFQM framework helps professionals assess where an organisation stands—benchmarked against thousands of companies—so transformation can be led from within. 'At Informa Connect Academy, our goal is to help people and organisations build capabilities that truly last,' said Leigh Kendall, Director of Learning at Informa Connect Academy. 'These EFQM certifications offer professionals the chance to apply proven, data-driven frameworks to real-world challenges. This partnership with EFQM goes beyond training—it's about empowering leaders to make better decisions, drive innovation, and lead their organisations towards sustainable, long-term success.' Participants will gain not only technical expertise but also the strategic mindset to navigate complexity, measure impact, and embed continuous improvement at every level of the organisation. 'The EFQM training pathway builds future-focused leaders who can deliver lasting impact across strategy, operations, and culture,' said Russel Longmuir, CEO at EFQM. 'We are excited to work with Informa Connect Academy to extend our global reach and help organisations thrive in today's evolving landscape.' For more information and enrolment details, visit EFQM Courses — About Informa Connect Academy: Informa Connect Academy is part of Informa, a global FTSE 100 business with a network of trusted brands in specialist markets and more than 11,000 colleagues working in over 30 countries. Informa Connect Academy leverages the expertise of Informa Connect to meet the needs and aspirations of students, industry professionals, and educational partners. Their purpose is to connect customers to information and people, enabling them to know more, do more, and be more. Informa is unmatched in helping people share professional knowledge worldwide. About EFQM Driving sustainable performance together. For over 35 years, EFQM has fostered positive change, guiding over 50,000 organisations on their unique paths. Today's definition of success demands more than just results; it requires a commitment to a sustainable future for all. EFQM's framework – The EFQM Model, EFQM's Learning Pathways and AssessBase – empowers organisations to navigate their journey towards sustainable performance through transformation and continuous improvement. EFQM transcends best practices, helping organisations understand their strengths, identify areas for improvement, and align their actions with environmental, social, and economic goals.
