The document summarizes PPG Industries' third quarter 2008 financial results. It reports double-digit sales and earnings growth across many business segments. It also notes strong cash generation that has allowed over $650 million in debt reduction so far in 2008. Challenges in some segments like industrial coatings and automotive are also highlighted due to economic slowdowns. Overall, the company reports continued strong financial performance despite difficult market conditions in some areas.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
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how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
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Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
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Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
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USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
1. PPG Industries, Inc.
Third Quarter Financial Results
William H. Hernandez
Sr. Vice President, Finance,
and Chief Financial Officer
Information current as of
October 16, 2008
1
2. Forward-Looking Statement
Statements contained herein relating to matters that are not historical facts are forward-looking statements
reflecting PPG’s current view with respect to future events and financial performance. These matters
involve risks and uncertainties that may affect PPG’s operations, as discussed in PPG’s filings with the
Securities and Exchange Commission pursuant to Sections 13(a), 13(c) or 15(d) of the Securities
Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder. Accordingly,
many factors may cause actual results to differ materially from the forward-looking statements contained
herein. Such factors include increasing price and product competition by foreign and domestic competitors,
fluctuations in cost and availability of raw materials and energy, the ability to maintain favorable supplier
relationships and arrangements, economic and political conditions in international markets, foreign
exchange rates and fluctuations in such rates, integration of acquisitions and achievement of expected
synergies therefrom, the impact of environmental regulations, unexpected business disruptions, and the
unpredictability of existing and possible future litigation, including litigation that could result if the asbestos
settlement discussed in PPG’s filings with the Securities and Exchange Commission does not become
effective. However, it is not possible to predict or identify all such factors. Consequently, while the list of
factors presented here is considered representative, no such list should be considered to be a complete
statement of all potential risks and uncertainties. Unlisted factors may present significant additional
obstacles to the realization of forward-looking statements. Consequences of material differences in results
compared with those anticipated in the forward-looking statements could include, among other things,
business disruption, operational problems, financial loss, legal liability to third parties and similar risks, any
of which could have a material adverse effect on PPG’s consolidated financial condition, operations or
liquidity. All information in this presentation speaks only as of October 16, 2008, and any distribution of this
presentation after that date is not intended and will not be construed as updating or confirming such
information.
2
3. Highlights – Q3, 2008
Continued financial performance
Double-digit percentage growth in sales & segment earnings
Adj. EPS comparable Y-O-Y, despite weather impacts & auto market
Largest selling price increase in over 10 years
Year-to-date cash generation >$250 million (~50%) ahead of prior year
Operating excellence continues
Completed sale of Automotive Glass & Services business
SigmaKalon acquisition remains ahead of financial targets
Announced restructuring - reduce cost & secure ‘09 S/Kalon synergies
Financial discipline once again paying dividends
Year-to-date debt reduction >$650 million, double our target
Cash (>$500MM) exceeds U.S. commercial paper (~$175MM)
3
5. Adjusted Financial Results
Third quarter earnings-per-share Reg G 2008 2007
Reconciliation
Reported Earnings per Share, Continuing Operations,
$0.70 $1.29
Fully Diluted
Add: 2008 Business Restructuring 0.67 --
Less: 2008 Auto Glass Gain on Business Sale (0.02) --
Add: Asbestos 0.02 0.02
Add: 2007 Acquisition Related Charges -- 0.03
Add: 2007 Auto Glass Charges -- 0.06
Adjusted Earnings per Share, Continuing Operations,
$1.37 $1.40
Fully Diluted
5
6. Sales – United States & Canada
Sales growth rates higher
than last year despite
negative weather impacts
Price gains accelerated
6%
2% Significant declines in U.S.
Auto OEM volumes
Lower Y-O-Y volumes in
residential construction
Volume gains in most
other PPG businesses
Additional Q4 pricing
actions underway
6
7. Organic Growth – Europe
Stable organic results on
top of difficult “comps”
the past two years
Pricing gains outpaced
slight volume drop
Excludes
SigmaKalon
acquisition
Overall European sales
up $850MM (130%)
versus last year –
SigmaKalon acquisition
SigmaKalon organic
growth accelerated
Q4 pricing actions
2006 2007 2008 underway
7
8. Organic Growth – Asia
September ‘08 YTD
sales 20% higher than
full year 2007 sales.
Double-digit percent
organic growth despite
slowing surrounding
2008 Olympics
Each PPG coatings
business is well
established
Excellent operating
margins
Solid growth expected
2006 2007 2008
in Q4
8
9. Macro Topics
Coatings Raw Materials Inflation
Percentage – 2008 (year-over-year)
Q1 Expected Range & Actual
2% 4%
Q2 Expected Range & Actual
2% 4%
Incremental YOY Transportation Costs
Q3 Expected Range & Actual
4% 6%
Q4 Expected Range
5% 8%
$MM
9
10. Performance Coatings
Third Quarter 2008 $MM (USD) Q308 Q307 Chg %
Aerospace sales +10% despite Sales 1,229 963 266 28%
Boeing employee work stoppage Earnings 148 140 8 6%
Protective & Marine volumes ↑
Double-digit organic growth in
acquired SigmaKalon business
U.S. Architectural pricing offsets
lower volumes
Active sales pricing efforts
continue in all businesses
Yr. To Yr. % Change - Sales
Sales Volume Price Currency Acq./Other
Total Performance Coatings 28% 0% 4% 3% 21%
Aerospace 10% 6%
Automotive Refinish 12% 1%
Architectural (Americas & Asia) 9% -6%
Protective & Marine 181% 4% (Volume growth excludes SigmaKalon
acquired business)
10
11. Industrial Coatings
Third Quarter 2008 $MM (USD) Q308 Q307 Chg %
Significant auto OEM industry Sales 1,022 901 121 13%
production volume declines
Earnings 48 89 -41 -46%
Slower general industrial activity in
mature regions
Stable Packaging coatings
Emerging regions now larger than
U.S. & Canada
Restructuring targeting slower end-
markets
Yr. To Yr. % Change - Sales
Sales Volume Price Currency Acq./Other
Total Industrial Coatings 13% -2% 1% 3% 11%
Automotive OEM 2% -2%
Industrial 36% -2%
Packaging 9% -1%
11
12. Architectural Coatings EMEA
Third Quarter 2008 $MM (USD) Q308 Q207 Chg %
Organic growth vs. 2007 accelerated Sales 632 n/a n/a n/a
to mid-single digit percentages
Earnings 61 n/a n/a n/a
Earnings include depreciation and
non-cash amortization of ~$30MM
Business is seasonally lighter in
fourth quarter
Overall SigmaKalon Acquisition Update
Ahead of financial expectations
Organic growth accelerated this quarter
On pace for 2008 cost synergy target
Announced restructuring targeted to deliver 2009 cost synergies
12
13. Optical & Specialty Materials
Third Quarter 2008 $MM (USD) Q308 Q307 Chg %
Double-digit percent sales and Sales 290 257 33 13%
earnings growth
Earnings 61 55 6 11%
Double-digit optical volume
growth
European launch of new
Transitions product in October
Yr. To Yr. % Change - Sales
Sales Volume Price Currency Acq./Other
Total Optical &
Specialty Materials 13% 7% 2% 4% 0%
13
14. Commodity Chemicals
Third Quarter 2008 $MM (USD) Q308 Q307 Chg %
30% earnings improvement, despite Sales 500 400 100 25%
lost production/volumes due to U.S.
Earnings 116 89 27 30%
hurricanes
Increased selling prices in Q3, 2008
and announced for Q4, 2008
Low inventory position due to outages
Louisiana plant back to operating at
normal rates by end of September
Yr. To Yr. % Change - Sales
Sales Volume Price Currency Acq./Other
Total Commodity
Chemicals 25% 1% 24% 0% 0%
14
16. Cash Generation and Cash Uses
Cash From Operations:
Strong Q3 and YTD performance
YTD cash from operations >$800MM
2008 YTD results ~50% higher than 2007
Cash / Liquidity:
Debt reduction ($650MM) on pace for more than
double full year target
Cash (>$500MM) exceeds U.S. commercial
paper (~$175MM)
16
17. For More Information
Thank you for your interest in PPG Industries, Inc.
Investors
Vince Morales (412) 434-3740
Media
Jeremy Neuhart (412) 434-3046
17