- The document is an investor presentation summarizing the bank's 9 month FY2013 financial results.
- Key highlights include steady year-over-year growth in net income and profits, driven by higher loan growth. However, net interest margins remain under pressure from competition.
- Non-interest income increased due to growth in recurring fee income from various business lines. Operating expenses grew due to investments in personnel and IT infrastructure.
- Asset quality improved with lower impaired loans ratios, despite double digit loan growth.
The document discusses various topics related to English learning including internet language abbreviations, interviews, learning strategies using the internet, and testimonials. It provides examples of common abbreviations used in internet language and suggests ways the internet can help improve English skills such as speaking with others, studying vocabulary, using online dictionaries, and practicing reading and writing. It also assigns homework of translating a text about remembering life before computers.
El documento presenta información sobre las propiedades periódicas de los elementos químicos, incluyendo el carácter metálico, electronegatividad, radio atómico, afinidad electrónica y energía de ionización. Explica cómo estas propiedades varían a lo largo de la tabla periódica, generalmente aumentando de izquierda a derecha en los períodos y disminuyendo de arriba hacia abajo en los grupos. También incluye gráficos de estas propiedades en función del número atómico para ilustrar las
The document provides tips and strategies for successfully pitching and winning new business. It emphasizes answering clients' questions directly, sharing information early in the process, keeping presentations simple, rehearsing extensively, and maintaining contact with clients after the initial pitch. Winning requires teams that work well together and smoothly hand off responsibilities throughout the process from research to final presentation.
El documento presenta las tasas de desempleo en México de 2000 a 2011 según datos de la Encuesta Nacional de Ocupación y Empleo. Muestra que la tasa alcanzó su punto más alto en 2009 y ha disminuido gradualmente desde entonces, ubicándose en 6.7% en junio de 2011. Adicionalmente, presenta las tasas trimestrales de desempleo urbano de 2003 a 2011, notando una caída constante desde 2003.
- The document is an investor presentation summarizing the bank's 9 month FY2013 financial results.
- Key highlights include steady year-over-year growth in net income and profits, driven by higher loan growth. However, net interest margins remain under pressure from competition.
- Non-interest income increased due to growth in recurring fee income from various business lines. Operating expenses grew due to investments in personnel and IT infrastructure.
- Asset quality improved with lower impaired loans ratios, despite double digit loan growth.
The document discusses various topics related to English learning including internet language abbreviations, interviews, learning strategies using the internet, and testimonials. It provides examples of common abbreviations used in internet language and suggests ways the internet can help improve English skills such as speaking with others, studying vocabulary, using online dictionaries, and practicing reading and writing. It also assigns homework of translating a text about remembering life before computers.
El documento presenta información sobre las propiedades periódicas de los elementos químicos, incluyendo el carácter metálico, electronegatividad, radio atómico, afinidad electrónica y energía de ionización. Explica cómo estas propiedades varían a lo largo de la tabla periódica, generalmente aumentando de izquierda a derecha en los períodos y disminuyendo de arriba hacia abajo en los grupos. También incluye gráficos de estas propiedades en función del número atómico para ilustrar las
The document provides tips and strategies for successfully pitching and winning new business. It emphasizes answering clients' questions directly, sharing information early in the process, keeping presentations simple, rehearsing extensively, and maintaining contact with clients after the initial pitch. Winning requires teams that work well together and smoothly hand off responsibilities throughout the process from research to final presentation.
El documento presenta las tasas de desempleo en México de 2000 a 2011 según datos de la Encuesta Nacional de Ocupación y Empleo. Muestra que la tasa alcanzó su punto más alto en 2009 y ha disminuido gradualmente desde entonces, ubicándose en 6.7% en junio de 2011. Adicionalmente, presenta las tasas trimestrales de desempleo urbano de 2003 a 2011, notando una caída constante desde 2003.
Este documento discute o uso de programas de gerenciamento de arquivos em ambientes gráficos para organizar arquivos e pastas em computadores. Ele explica como usar recursos como modos de visualização, criar pastas, atalhos e realizar operações com arquivos e pastas.
Este documento describe tres tipos de animales acuáticos y terrestres. Primero, describe a los delfines oceánicos, que miden entre 2 y 9 metros de largo con cuerpos fusiformes y cabezas grandes. Luego, describe al caballo, un gran mamífero domesticado herbívoro con cuello largo y crines. Finalmente, menciona que las hembras caballos se llaman yeguas y sus crías potros o potrillos.
9-July-2014 Open Source Software Panel - GNOME Outreach Program for Women int...Women Who Code
Presentation about the GNOME Outreach Program for Women < http://gnome.org/opw/ > at 9-July-2014 Women Who Code SF panel discussion about getting involved in free / open source software development.
Plus, information about panel host, Mozilla.
Presenter: Larissa Shapiro ( @larissashapiro ), Head of Community Development at Mozilla
El documento anuncia una fiesta organizada por la Asociación Cooperadora de la Escuela Primaria No 2 "Justo José de Urquiza" el 17 de noviembre a partir de las 22 hs. La fiesta contará con actuaciones de varios bailles y grupos musicales, así como puestos de comida y bebida. Se invita a todos a asistir al evento.
This document discusses the definition and characteristics of empires, including their administration over other peoples, use of resources, and potential kinds of propaganda. It poses the question of how to compare the ways that civilizations gain, retain, and lose their empires.
O oxigênio é essencial para a vida. Os seres vivos utilizam o oxigênio para produzir energia através da respiração celular, um processo no qual o oxigênio se combina com alimentos para liberar energia. Sem oxigênio, os seres vivos não conseguem produzir energia e morrem rapidamente.
Pritam Dey completed the online Coursera course "Developing Data Products" offered through Johns Hopkins University between September 01, 2015. The 4-week non-credit course was completed successfully with distinction as confirmed by Coursera and verified through their website. The certificate does not confer academic credit or official university status.
Este documento discute o uso de programas de gerenciamento de arquivos em ambientes gráficos para organizar arquivos e pastas em computadores. Ele explica como usar recursos como modos de visualização, criar pastas, atalhos e realizar operações com arquivos e pastas.
Este documento describe tres tipos de animales acuáticos y terrestres. Primero, describe a los delfines oceánicos, que miden entre 2 y 9 metros de largo con cuerpos fusiformes y cabezas grandes. Luego, describe al caballo, un gran mamífero domesticado herbívoro con cuello largo y crines. Finalmente, menciona que las hembras caballos se llaman yeguas y sus crías potros o potrillos.
9-July-2014 Open Source Software Panel - GNOME Outreach Program for Women int...Women Who Code
Presentation about the GNOME Outreach Program for Women < http://gnome.org/opw/ > at 9-July-2014 Women Who Code SF panel discussion about getting involved in free / open source software development.
Plus, information about panel host, Mozilla.
Presenter: Larissa Shapiro ( @larissashapiro ), Head of Community Development at Mozilla
El documento anuncia una fiesta organizada por la Asociación Cooperadora de la Escuela Primaria No 2 "Justo José de Urquiza" el 17 de noviembre a partir de las 22 hs. La fiesta contará con actuaciones de varios bailles y grupos musicales, así como puestos de comida y bebida. Se invita a todos a asistir al evento.
This document discusses the definition and characteristics of empires, including their administration over other peoples, use of resources, and potential kinds of propaganda. It poses the question of how to compare the ways that civilizations gain, retain, and lose their empires.
O oxigênio é essencial para a vida. Os seres vivos utilizam o oxigênio para produzir energia através da respiração celular, um processo no qual o oxigênio se combina com alimentos para liberar energia. Sem oxigênio, os seres vivos não conseguem produzir energia e morrem rapidamente.
Pritam Dey completed the online Coursera course "Developing Data Products" offered through Johns Hopkins University between September 01, 2015. The 4-week non-credit course was completed successfully with distinction as confirmed by Coursera and verified through their website. The certificate does not confer academic credit or official university status.