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finance valuation equity note scoot tie breakers university of dhaka gadjah mada university singapore airlines 2018 buy recommendation sell side analyst bkash bank valuation banking team finomenal brac bank equity research cfa institute research challenge portfolio investment relative valuation free cash flow cement industry financial analysis equity report heidelberg lafargeholcim optimity case competition business strategy airline gmbcc gadjah mada business case competition case analysis multibrand tiger air cfa