The document discusses research conducted by PPB Advisory on the sources of funds that have generated dividends in official liquidations over the past few years. The research found that the major sources of funds were real property (7% of cases), recoveries from company directors (41% of cases), business assets (21% of cases), and cash at bank (22% of cases). PPB Advisory has developed screening tools like a bankruptcy scorecard and property searches to better assess recovery prospects from liquidations and bankruptcies in order to help creditors make more informed decisions.
- Bank of America reported third quarter 2008 results, with earnings impacted by the challenging economic environment and market disruptions.
- Net income was $1.2 billion, down from the prior year due to higher credit costs from housing price declines and rising unemployment.
- Results also reflected charges related to financial institution failures, cash fund support, and losses on trading positions.
- Countrywide results were included for the first time, adding $259 million to earnings. Integration is proceeding as planned.
Bank Of America Fourth Quarter 2008 Resultsearningsreport
Bank of America reported a loss of $1.8 billion for the fourth quarter of 2008. The results were negatively impacted by $4.6 billion in capital markets dislocation charges and a $8.5 billion provision for credit losses, which included a $3 billion increase in loan loss reserves. Despite the loss, pre-provision profits were up in most primary businesses from the third quarter of 2008. Total average deposits grew by $34.3 billion since the prior quarter. The company also raised capital through a common equity offering and funds from the Troubled Asset Relief Program.
This document provides an overview of Xcel Energy from their presentation at the Edison Electric Institute Financial Conference in October 2003. Key points include Xcel achieving several accomplishments in 2003 including settling with NRG creditors, maintaining investment grade ratings, and refinancing debt. Projections for 2004 include earnings of $1.15-1.25 per share assuming NRG emerges from bankruptcy. The presentation outlines Xcel's objectives, investments, regulatory strategy, and earnings drivers to emphasize the company as a low-risk, integrated utility with a total return of 7-8%.
Goldman Sachs Presentation at the Credit Suisse 2009 Financial Services Confe...Manya Mohan
The document summarizes Goldman Sachs' presentation at the 2009 Credit Suisse Financial Services Conference. It provides an overview of Goldman Sachs' 2008 financial highlights including net revenues of $22.2 billion, net earnings of $2.3 billion, and return on equity of 4.9%. It then discusses Goldman Sachs' performance excluding fair value losses and credit valuation adjustments. The presentation also reviews Goldman Sachs' business segment performance from 2003-2008 and provides details on risk management and capital management. It emphasizes Goldman Sachs' conservative financial positioning and liquidity and funding. Finally, it outlines future opportunities for Goldman Sachs going forward.
This document summarizes Xcel Energy's presentation at the Banc of America Securities Energy & Power Conference on November 17-19, 2003. It discusses Xcel Energy's accomplishments in 2003, objectives for investment, earnings growth, and credit ratings improvement. It also provides guidance on projected 2003 and 2004 earnings, cash flows, utility investments, and the expected timeline for NRG's emergence from bankruptcy.
JPMorgan Chase First Quarter 2008 Financial Results Conference Call finance2
1) JPMorgan Chase reported earnings of $2.4 billion on revenue of $17.9 billion for 1Q08, down 49% from record earnings in 1Q07. EPS was $0.68.
2) The Investment Bank took markdowns of $2.6 billion related to subprime, Alt-A, prime mortgages, and leveraged lending commitments. It reported a net loss of $87 million on revenue of $3 billion, down 52% year-over-year.
3) The firm increased its credit reserves by $2.5 billion, including $1.1 billion related to the home equity portfolio. It transferred $4.9 billion of lever
CNO announced the sale of its subsidiary Conseco Life Insurance Company (CLIC) to Wilton Re for approximately $237 million. The sale transfers $3.4 billion in traditional life, interest-sensitive life, and annuity reserves and is expected to close in mid-2014. Additionally, Bankers Life will recapture $160 million of traditional life reserves previously reinsured to Wilton Re for $28 million. The transactions are expected to increase CNO's holding company liquidity by $125 million and reduce exposure to interest rate risk while simplifying operations.
- Bank of America reported third quarter 2008 results, with earnings impacted by the challenging economic environment and market disruptions.
- Net income was $1.2 billion, down from the prior year due to higher credit costs from housing price declines and rising unemployment.
- Results also reflected charges related to financial institution failures, cash fund support, and losses on trading positions.
- Countrywide results were included for the first time, adding $259 million to earnings. Integration is proceeding as planned.
Bank Of America Fourth Quarter 2008 Resultsearningsreport
Bank of America reported a loss of $1.8 billion for the fourth quarter of 2008. The results were negatively impacted by $4.6 billion in capital markets dislocation charges and a $8.5 billion provision for credit losses, which included a $3 billion increase in loan loss reserves. Despite the loss, pre-provision profits were up in most primary businesses from the third quarter of 2008. Total average deposits grew by $34.3 billion since the prior quarter. The company also raised capital through a common equity offering and funds from the Troubled Asset Relief Program.
This document provides an overview of Xcel Energy from their presentation at the Edison Electric Institute Financial Conference in October 2003. Key points include Xcel achieving several accomplishments in 2003 including settling with NRG creditors, maintaining investment grade ratings, and refinancing debt. Projections for 2004 include earnings of $1.15-1.25 per share assuming NRG emerges from bankruptcy. The presentation outlines Xcel's objectives, investments, regulatory strategy, and earnings drivers to emphasize the company as a low-risk, integrated utility with a total return of 7-8%.
Goldman Sachs Presentation at the Credit Suisse 2009 Financial Services Confe...Manya Mohan
The document summarizes Goldman Sachs' presentation at the 2009 Credit Suisse Financial Services Conference. It provides an overview of Goldman Sachs' 2008 financial highlights including net revenues of $22.2 billion, net earnings of $2.3 billion, and return on equity of 4.9%. It then discusses Goldman Sachs' performance excluding fair value losses and credit valuation adjustments. The presentation also reviews Goldman Sachs' business segment performance from 2003-2008 and provides details on risk management and capital management. It emphasizes Goldman Sachs' conservative financial positioning and liquidity and funding. Finally, it outlines future opportunities for Goldman Sachs going forward.
This document summarizes Xcel Energy's presentation at the Banc of America Securities Energy & Power Conference on November 17-19, 2003. It discusses Xcel Energy's accomplishments in 2003, objectives for investment, earnings growth, and credit ratings improvement. It also provides guidance on projected 2003 and 2004 earnings, cash flows, utility investments, and the expected timeline for NRG's emergence from bankruptcy.
JPMorgan Chase First Quarter 2008 Financial Results Conference Call finance2
1) JPMorgan Chase reported earnings of $2.4 billion on revenue of $17.9 billion for 1Q08, down 49% from record earnings in 1Q07. EPS was $0.68.
2) The Investment Bank took markdowns of $2.6 billion related to subprime, Alt-A, prime mortgages, and leveraged lending commitments. It reported a net loss of $87 million on revenue of $3 billion, down 52% year-over-year.
3) The firm increased its credit reserves by $2.5 billion, including $1.1 billion related to the home equity portfolio. It transferred $4.9 billion of lever
CNO announced the sale of its subsidiary Conseco Life Insurance Company (CLIC) to Wilton Re for approximately $237 million. The sale transfers $3.4 billion in traditional life, interest-sensitive life, and annuity reserves and is expected to close in mid-2014. Additionally, Bankers Life will recapture $160 million of traditional life reserves previously reinsured to Wilton Re for $28 million. The transactions are expected to increase CNO's holding company liquidity by $125 million and reduce exposure to interest rate risk while simplifying operations.
Duke Energy 10-30-03_Third_Quarter_Earnings_slides_web_(revised)finance21
This document provides a summary of Duke Energy's earnings for the third quarter of 2003. It reports earnings per share of $0.51 excluding special items, compared to $0.35 in the prior year. Key drivers for the quarter included solid results from franchised electric, natural gas transmission, and international energy, but earnings were down due to unfavorable weather, lower results at DENA due to market challenges, and various one-time costs including goodwill impairments and severance costs. For the full year, earnings are expected to be in the range of $1.20 to $1.25 per share excluding special items.
BancAnalysts Association of Boston Conference finance2
The document summarizes the financial results and credit performance of JPMorgan Chase's Retail Financial Services division for the third quarter of 2008. Key points include:
- Revenue grew 15% year-over-year to $14.6 billion driven by regional banking and mortgage production, but credit costs increased significantly to $5.5 billion.
- Net income declined to $626 million due to higher credit costs, especially in home equity and subprime mortgages.
- Significant credit actions have been taken to tighten underwriting across home lending portfolios, but deterioration continues with high delinquencies and losses expected going forward.
- New initiatives are announced to proactively help homeowners modify loans and stay
This document summarizes a new debt management service called IODM that helps businesses better manage accounts receivable and improve cash flow. IODM offers a cloud-based software that automatically generates demand letters to send to delinquent debtors. The software reduces debt collection times and costs compared to traditional methods through automated scheduling of letters and management reporting. IODM also has a strategic partnership with a large global debt collection firm to provide additional services if needed.
American Express Earnings Conference Call 4Q’08earningsreport
American Express reported financial results for 4Q 2008. Total revenues declined 11% to $6.5 billion due to decreases in billed business, cardmember spending, and interest income. Income from continuing operations declined 72% to $238 million and diluted EPS declined 71% to $0.21. Significant charges in 4Q 2008 included a $273 million reengineering charge and a $66 million Delta reserve increase. Metrics such as billed business, cardmember loans, and travel sales were down across all segments. The company emphasized strengthening its capital position and improving liquidity.
The Bank of New York Mellon Fourth Quarter 2008 Financial Resultsearningsreport
The Bank of New York Mellon Corporation reported earnings per share of $0.05 for the fourth quarter of 2008, down from $0.61 in the fourth quarter of 2007. Revenue was impacted by $1.24 billion in securities write-downs due to deteriorating market conditions. Expenses were well-controlled despite a $181 million restructuring charge. The company maintained strong capital ratios with Tier 1 capital at 13.1% as of December 31, 2008.
In this webinar, labor and employment attorney Clay Hartmann will offer his expert advice on how to ensure a consistent approach to handling and documenting grievances that will help you prevent and prepare for employment-related lawsuits. Join us to learn:
• How to use technology to ensure a consistent approach to handling and documenting grievances
• What common ER practices lead to mishandling of employee grievances
• How to use HR Case Management to identify and improve weak business processes
This must-attend webinar will help ensure that your ER department has a solid process in place for handling grievances and can easily provide documentation of an employee’s interactions with ER should your organization be faced with a lawsuit.
This document provides an executive summary and investment asset summary for Ameriprise Financial as of December 31, 2008. It shows that Ameriprise had $33.75 billion in total invested assets, with 86% in cash and available-for-sale securities including corporate bonds, mortgage-backed securities, and municipal bonds. While unrealized losses increased, they generally resulted from risk premium widening across all fixed income asset classes during market dislocation. Below investment grade securities represented 5% of total invested assets.
- Ameriprise Financial's investment portfolio experienced increased unrealized losses during the third quarter of 2008 due to widespread spread widening across fixed income markets.
- The portfolio emphasizes high quality, diversified holdings including investment grade corporate bonds from industries like utilities and telecommunications as well as agency residential mortgage-backed securities.
- Total unrealized losses increased by $602 million in the third quarter, with the largest losses occurring in investment grade corporate bonds and state and municipal bonds.
This document summarizes a presentation given to contractors on surety bonding. It discusses the relationship between contractors, sureties, and owners when jobs are bonded. It also outlines key factors sureties examine like working capital, debt to equity ratios, and job schedules. The presentation recommends providing audited financial statements, maintaining good relationships with banks and sureties, and having a business continuity plan.
This document discusses solar photovoltaic (PV) soft costs, which include project development costs like customer acquisition, permitting, and financing. The National Renewable Energy Laboratory (NREL) recently benchmarked U.S. residential soft costs and found they accounted for over half of total installed system costs. NREL collected data from installers and estimated soft costs were $1.78/watt on average, with permitting, inspection, and interconnection accounting for 9% of soft costs. Streamlined processes in Germany result in significantly lower soft costs there compared to the U.S. Reducing soft costs is important as hardware costs continue to decline rapidly.
HAMP Standard and Alternative Modification WaterfallsVideoMarketingLab
The document provides information on the standard and alternative modification waterfalls used in the Home Affordable Modification Program (HAMP). The standard waterfall is a series of steps - capitalization, interest rate reduction, term extension, principal forbearance - that servicers must apply to reduce a borrower's monthly mortgage payment ratio to 31%. The alternative waterfall may be used for loans with high loan-to-value ratios and aims to reduce the ratio to 115% through principal reduction or other steps.
The document summarizes Juristec, a company that automates debt collection litigation to efficiently manage high volumes of bad debt. It compares Juristec's solutions to traditional law firms and collection agencies, highlighting how Juristec can collect 20-30% of bad debt through increased litigation of small and late-stage debts. Appendices provide context on rising consumer debt and delinquency rates, demonstrating increased need for effective collection solutions.
Fifth Third Bancorp reported a net loss for Q2 2008 due to charges related to leveraged leases. Excluding these charges, pre-tax earnings were up 16% year-over-year due to increases in noninterest income and average loans. However, credit costs increased significantly due to deteriorating economic conditions, particularly in real estate loans in Florida and Michigan. In response, Fifth Third raised capital levels and reduced the common dividend to strengthen its position during the economic downturn.
- Alltel Corporation completed a spin-off of its wireline business and merger with Valor Communications on July 17, 2006, forming Windstream Corporation.
- Alltel now focuses solely on its wireless business serving over 12 million customers across 35 states.
- As conditions of regulatory approvals for acquisitions, Alltel agreed to divest certain wireless operations in Minnesota, Arkansas, Kansas, and Nebraska.
- The financial statements separate results for continuing and discontinued wireless operations in compliance with accounting standards.
- Recurring net income for the quarter was R$3.4 billion, a 4.8% decrease from the previous quarter. For the first nine months of 2012, recurring net income was R$10.5 billion, a 3.2% decrease from the same period in 2011.
- The total loan portfolio grew 1.1% from the previous quarter to R$437.6 billion, and increased 10% from September 2011.
- Financial margin with clients decreased 3% from the previous quarter to R$12 billion due to a fall in interest rates and higher growth in lower risk loans.
Bank of America reported second quarter 2008 results. Key highlights included diluted EPS of $0.72, record quarterly revenue of $20.3 billion, and net income of $3.41 billion. Credit costs increased significantly to $5.83 billion due to weakness in the housing market. Revenue growth was driven by higher net interest income, though partially offset by lower noninterest income and higher expenses.
Pepco Holdings, Inc. held an analyst conference on October 5-6, 2004 to discuss the company's performance. The presentation included an overview of PHI's businesses, strategy, and corporate governance practices. It noted PHI has $7.1 billion in revenues and focuses on its regulated electric and gas delivery business, which accounts for 72% of operating income. The Power Delivery segment was discussed, which includes the transmission and distribution of electricity to 1.8 million customers across several mid-Atlantic states.
The document outlines an 8-step process for effective problem solving: 1) Identify the problem, 2) Understand the current situation, 3) Identify the root causes, 4) Plan improvements, 5) Execute the improvements, 6) Confirm the results, 7) Standardize the improvements, and 8) Plan for the future. Key aspects of the process include using tools like fishbone diagrams, Pareto charts, and goal setting to thoroughly analyze problems and select effective solutions. The process advocates for containing root causes, prioritizing high impact improvements with low effort, monitoring solutions, and documenting standardized practices to maintain results over time.
Duke Energy 10-30-03_Third_Quarter_Earnings_slides_web_(revised)finance21
This document provides a summary of Duke Energy's earnings for the third quarter of 2003. It reports earnings per share of $0.51 excluding special items, compared to $0.35 in the prior year. Key drivers for the quarter included solid results from franchised electric, natural gas transmission, and international energy, but earnings were down due to unfavorable weather, lower results at DENA due to market challenges, and various one-time costs including goodwill impairments and severance costs. For the full year, earnings are expected to be in the range of $1.20 to $1.25 per share excluding special items.
BancAnalysts Association of Boston Conference finance2
The document summarizes the financial results and credit performance of JPMorgan Chase's Retail Financial Services division for the third quarter of 2008. Key points include:
- Revenue grew 15% year-over-year to $14.6 billion driven by regional banking and mortgage production, but credit costs increased significantly to $5.5 billion.
- Net income declined to $626 million due to higher credit costs, especially in home equity and subprime mortgages.
- Significant credit actions have been taken to tighten underwriting across home lending portfolios, but deterioration continues with high delinquencies and losses expected going forward.
- New initiatives are announced to proactively help homeowners modify loans and stay
This document summarizes a new debt management service called IODM that helps businesses better manage accounts receivable and improve cash flow. IODM offers a cloud-based software that automatically generates demand letters to send to delinquent debtors. The software reduces debt collection times and costs compared to traditional methods through automated scheduling of letters and management reporting. IODM also has a strategic partnership with a large global debt collection firm to provide additional services if needed.
American Express Earnings Conference Call 4Q’08earningsreport
American Express reported financial results for 4Q 2008. Total revenues declined 11% to $6.5 billion due to decreases in billed business, cardmember spending, and interest income. Income from continuing operations declined 72% to $238 million and diluted EPS declined 71% to $0.21. Significant charges in 4Q 2008 included a $273 million reengineering charge and a $66 million Delta reserve increase. Metrics such as billed business, cardmember loans, and travel sales were down across all segments. The company emphasized strengthening its capital position and improving liquidity.
The Bank of New York Mellon Fourth Quarter 2008 Financial Resultsearningsreport
The Bank of New York Mellon Corporation reported earnings per share of $0.05 for the fourth quarter of 2008, down from $0.61 in the fourth quarter of 2007. Revenue was impacted by $1.24 billion in securities write-downs due to deteriorating market conditions. Expenses were well-controlled despite a $181 million restructuring charge. The company maintained strong capital ratios with Tier 1 capital at 13.1% as of December 31, 2008.
In this webinar, labor and employment attorney Clay Hartmann will offer his expert advice on how to ensure a consistent approach to handling and documenting grievances that will help you prevent and prepare for employment-related lawsuits. Join us to learn:
• How to use technology to ensure a consistent approach to handling and documenting grievances
• What common ER practices lead to mishandling of employee grievances
• How to use HR Case Management to identify and improve weak business processes
This must-attend webinar will help ensure that your ER department has a solid process in place for handling grievances and can easily provide documentation of an employee’s interactions with ER should your organization be faced with a lawsuit.
This document provides an executive summary and investment asset summary for Ameriprise Financial as of December 31, 2008. It shows that Ameriprise had $33.75 billion in total invested assets, with 86% in cash and available-for-sale securities including corporate bonds, mortgage-backed securities, and municipal bonds. While unrealized losses increased, they generally resulted from risk premium widening across all fixed income asset classes during market dislocation. Below investment grade securities represented 5% of total invested assets.
- Ameriprise Financial's investment portfolio experienced increased unrealized losses during the third quarter of 2008 due to widespread spread widening across fixed income markets.
- The portfolio emphasizes high quality, diversified holdings including investment grade corporate bonds from industries like utilities and telecommunications as well as agency residential mortgage-backed securities.
- Total unrealized losses increased by $602 million in the third quarter, with the largest losses occurring in investment grade corporate bonds and state and municipal bonds.
This document summarizes a presentation given to contractors on surety bonding. It discusses the relationship between contractors, sureties, and owners when jobs are bonded. It also outlines key factors sureties examine like working capital, debt to equity ratios, and job schedules. The presentation recommends providing audited financial statements, maintaining good relationships with banks and sureties, and having a business continuity plan.
This document discusses solar photovoltaic (PV) soft costs, which include project development costs like customer acquisition, permitting, and financing. The National Renewable Energy Laboratory (NREL) recently benchmarked U.S. residential soft costs and found they accounted for over half of total installed system costs. NREL collected data from installers and estimated soft costs were $1.78/watt on average, with permitting, inspection, and interconnection accounting for 9% of soft costs. Streamlined processes in Germany result in significantly lower soft costs there compared to the U.S. Reducing soft costs is important as hardware costs continue to decline rapidly.
HAMP Standard and Alternative Modification WaterfallsVideoMarketingLab
The document provides information on the standard and alternative modification waterfalls used in the Home Affordable Modification Program (HAMP). The standard waterfall is a series of steps - capitalization, interest rate reduction, term extension, principal forbearance - that servicers must apply to reduce a borrower's monthly mortgage payment ratio to 31%. The alternative waterfall may be used for loans with high loan-to-value ratios and aims to reduce the ratio to 115% through principal reduction or other steps.
The document summarizes Juristec, a company that automates debt collection litigation to efficiently manage high volumes of bad debt. It compares Juristec's solutions to traditional law firms and collection agencies, highlighting how Juristec can collect 20-30% of bad debt through increased litigation of small and late-stage debts. Appendices provide context on rising consumer debt and delinquency rates, demonstrating increased need for effective collection solutions.
Fifth Third Bancorp reported a net loss for Q2 2008 due to charges related to leveraged leases. Excluding these charges, pre-tax earnings were up 16% year-over-year due to increases in noninterest income and average loans. However, credit costs increased significantly due to deteriorating economic conditions, particularly in real estate loans in Florida and Michigan. In response, Fifth Third raised capital levels and reduced the common dividend to strengthen its position during the economic downturn.
- Alltel Corporation completed a spin-off of its wireline business and merger with Valor Communications on July 17, 2006, forming Windstream Corporation.
- Alltel now focuses solely on its wireless business serving over 12 million customers across 35 states.
- As conditions of regulatory approvals for acquisitions, Alltel agreed to divest certain wireless operations in Minnesota, Arkansas, Kansas, and Nebraska.
- The financial statements separate results for continuing and discontinued wireless operations in compliance with accounting standards.
- Recurring net income for the quarter was R$3.4 billion, a 4.8% decrease from the previous quarter. For the first nine months of 2012, recurring net income was R$10.5 billion, a 3.2% decrease from the same period in 2011.
- The total loan portfolio grew 1.1% from the previous quarter to R$437.6 billion, and increased 10% from September 2011.
- Financial margin with clients decreased 3% from the previous quarter to R$12 billion due to a fall in interest rates and higher growth in lower risk loans.
Bank of America reported second quarter 2008 results. Key highlights included diluted EPS of $0.72, record quarterly revenue of $20.3 billion, and net income of $3.41 billion. Credit costs increased significantly to $5.83 billion due to weakness in the housing market. Revenue growth was driven by higher net interest income, though partially offset by lower noninterest income and higher expenses.
Pepco Holdings, Inc. held an analyst conference on October 5-6, 2004 to discuss the company's performance. The presentation included an overview of PHI's businesses, strategy, and corporate governance practices. It noted PHI has $7.1 billion in revenues and focuses on its regulated electric and gas delivery business, which accounts for 72% of operating income. The Power Delivery segment was discussed, which includes the transmission and distribution of electricity to 1.8 million customers across several mid-Atlantic states.
The document outlines an 8-step process for effective problem solving: 1) Identify the problem, 2) Understand the current situation, 3) Identify the root causes, 4) Plan improvements, 5) Execute the improvements, 6) Confirm the results, 7) Standardize the improvements, and 8) Plan for the future. Key aspects of the process include using tools like fishbone diagrams, Pareto charts, and goal setting to thoroughly analyze problems and select effective solutions. The process advocates for containing root causes, prioritizing high impact improvements with low effort, monitoring solutions, and documenting standardized practices to maintain results over time.
PPB is an Australian firm specializing in statutory recovery through bankruptcy and liquidation processes. They merged several firms in 2008 to create a national practice with over 250 staff across multiple offices. PPB prioritizes statutory recovery matters and has experience handling over 2,000 liquidations and 1,000 bankruptcies since 2003. Their specialized approach includes thorough investigations, commitment to maximizing recoveries, and an emphasis on keeping creditors informed.
Our Recent Work ,
CREZYN is creative designing hub in North Delhi, India. Started by a group of young people who wanted to bring about the change in the designing world. In the times when most of the designs are the copy of some famous designs, Crezyn has bring forth some extra ordinary designing skills which is appreciated by all its clients.
Every single project is customized to the needs of the client.
Crezyn's zeal to excel and the dedication to perform have brought Crezyn a great deal of appreciation from its clients. With each project Crezyn try to outdo iself.
Our designs are mostly simple and elegant with no unnecessary elements.
One of the best examples of Creative Designing, Message on Social Media and Brands adapting social media by CONGBO (twitter.com/congbo).. This shows the real creativity , the quality is amazing. Must watch for every Social Media and Creativity Fan.
(twitter.com/crezyn).
It talks about the "Time is not for Big Lazy BRANDS, But of real active people as far as Social Media is concerned. Social Media is very stong tool for advertising and making Brand awareness as social media results in Viral Marketing.
Everyday Internet life is changing, there is massive increase in volumes of user using Internet and today digital marketing is booming because of such change. Marketers have started keeping good percentage of their marketing money for online promotions. To know more, see this-
Crezyn Solutions is a creative design and digital marketing firm that provides graphic design, print ads, websites, digital marketing, and video animation services. It has created calendars, posters, flyers, logos, and other materials for clients in various industries including news media, jewelry, engineering, aviation, and infrastructure. The document provides examples of projects Crezyn has completed for clients such as CNN IBN, Kathana Jewellers, Jolly Engineering Works, and SPAN Consultants.
Showcasing some of work delivered in past five years with all the hard work, happiness and togetherness!
Thank you team for wonderful job!
Crezyn- "We are bunch creative people working together to serve all the graphic designing solutions and digital marketing needs."
This document provides an overview of the EIRO Research company and its business opportunities. EIRO Research develops and markets functional foods and nutritional supplements. It utilizes a multi-level marketing model to promote its products. The company focuses on emerging market trends in weight loss, energy, and functional beverages. It offers several product lines and starter kits for distributors at various levels to get involved.
Banks want to see 13-week cash flow forecasts, current financial statements including balance sheets, income statements and cash flow statements, and a turnaround plan with defined milestones and metrics. They want clarity on the issues, full disclosure of financials, and solutions or plans from management rather than just problems. Banks are looking for signs the borrower has "skin in the game" through things like owner capital infusions. Providing these tools and transparency can help banks understand the situation and be more supportive for troubled borrowers.
This is a presentation about IEG's evaluation of the Doing Business Indicators. The Doing Business Indicators are the Bank Group's well-known tool for comparing the business regulatory environments of 178 countries.
The document summarizes a presentation given by Joseph P. O'Leary and Steven P. Eschbach at a Mid-Cap Utility Conference on March 25, 2008. It discusses Integrys Energy Group's goals of delivering long-term shareholder value and earnings growth. It provides an overview of Integrys' regulated utility businesses, the progress of integrating Peoples Energy, capital investment programs, and financial outlook. Guidance is given for 6-8% annual EPS growth and a projected 2008 EPS range of $3.33-$3.78.
This document introduces IODM, a cloud-based debt management application that allows customers to generate demand letters to collect debts. IODM automates letter scheduling and production, improves debtor behavior, reduces overdraft costs, and provides management reports. IODM has a strategic partnership with a global debt collections firm to offer worldwide services. The document outlines how IODM offers a cheaper alternative to traditional debt collection with no commissions, contracts, or legal fees. It provides testimonials and outlines the benefits for both customers and potential partners.
This document summarizes a presentation given by Steven P. Eschbach, Vice President of Investor Relations for Midwest Utilities Seminar. The presentation provides an overview of Integrys Energy Group, a leading Midwest energy company serving over 2 million customers. Key points included Integrys' goals of long-term shareholder value and earnings growth, its diverse regulated utility businesses across six states, ongoing capital investment including the Weston 4 power plant project, and guidance for 2008 financial performance.
This document provides an overview of Triventus Consulting, a European wind power consulting firm. It discusses trends in the financing of wind power projects, particularly the increasing difficulty of obtaining financing in Europe. Specific challenges for developing wind projects in Nordic countries like Norway and Sweden are also examined, such as cold climates reducing production and increasing costs. The document emphasizes that only top-quality projects with strong cash flows, credible management, and a long-term commitment will be able to secure necessary financing.
The document discusses check and debit card usage and fraud losses in the banking industry. It notes that check usage has declined while debit card usage has increased. It also reports estimates of annual check fraud losses and actual losses broken down by type of fraud. The document recommends five best practices for reducing fraud, including screening transactions in real-time, applying holds consistently, integrating duplicate detection, taking a cooperative approach, and integrating fraud screening with existing solutions. It provides timelines and statistics on returned deposit item processing to support these recommendations.
This document summarizes a New York investor meeting held by Xcel Energy on November 29, 2005. The presentation outlines Xcel's strategy of investing in regulated utility assets to earn its allowed rate of return and achieve earnings growth targets. It highlights Xcel's financial performance objectives and discusses its investments in infrastructure, environmental stewardship, and supportive regulatory treatment across its utility territories. The presentation also reviews Xcel's operational focus and organizational structure.
This document summarizes a New York investor meeting held by Xcel Energy on November 29, 2005. The presentation outlines Xcel's strategy of investing in regulated utility assets to earn the allowed rate of return and deliver earnings per share growth of 5-7% annually. It highlights Xcel's environmental stewardship through renewable energy initiatives and discusses regulatory support for major projects. The organizational structure and roles of key executives are also summarized.
This document summarizes a New York investor meeting held by Xcel Energy on November 29, 2005. The presentation outlines Xcel's strategy of investing in regulated utility assets to earn its allowed rate of return and achieve earnings growth targets. It highlights Xcel's financial performance objectives and discusses its investments in transmission, distribution and customer service. The presentation also provides details on Xcel's construction program, environmental stewardship initiatives, and supportive regulatory treatment across its utility territories.
The document discusses options for debt and equity finance in the South West region. It begins with an introduction to the speakers and their backgrounds. Richard Davis then discusses various debt financing options available from Lloyds TSB Commercial such as overdrafts, term loans, and the Enterprise Finance Guarantee Scheme. Bruce Colley then presents on alternative funding sources to fill the gap between traditional bank lending and equity finance. He discusses the current lending context and median interest rates.
1) The document analyzes agency problems and risks faced by AMEC plc, a leading engineering firm listed on the London Stock Exchange.
2) It finds that AMEC has high cash reserves which could enable agency problems, but has less agency risks in other areas like executive pay and board composition.
3) Key risks for AMEC include market risk, project costs, inflation, and exchange rates, which it tries to mitigate through diversification, contract terms, and hedging. However, its lack of debt and dropping earnings raise challenges.
BancorpSouth, Inc. reported financial results for the first quarter of 2012. Some key highlights included net income of $22.9 million, continued improvement in credit quality indicators, and stable net interest margin of 3.66%. Capital levels also improved from the prior periods. The company noted initiatives to integrate specialty lending lines of business and reorganize geographically from 10 to 4 regions.
Nordion Third Quarter Fiscal 2012 Earnings Conference CallNordion
Nordion reported third quarter 2012 earnings. Revenue was $67.1 million. Targeted Therapies revenue grew 13% year-over-year due to new TheraSphere account growth. Sterilization Technologies revenue was flat as higher Co-60 shipments in Q3 offset lower volumes. Medical Isotopes revenue declined due to planned and unplanned shutdowns of the NRU reactor impacting volumes. Nordion remains focused on establishing a leadership position in interventional oncology and maintaining value in its sterilization and medical isotopes businesses.
This document provides an overview of HUD/FHA programs, Low Income Housing Tax Credits, and Private Activity Bonds for financing affordable housing development. It discusses the history and features of various HUD active programs including sections 221(d)(3), 221(d)(4), 223(f), 231, 232, and 242. A case study demonstrates an example HUD underwriting analysis. It also summarizes how Low Income Housing Tax Credits and Private Activity Bonds can be used to finance affordable housing development through public-private partnerships.
Technology Enabled Corporate Communications- Forum For Corporate Directors an...Roger Cohen
This document discusses technology trends in consumer and enterprise technology and how they can enable professional services and improve compliance processes. It summarizes Roger Cohen's expertise in designing technology solutions for legally intensive business processes. It also outlines challenges public companies face in managing information for regulatory filings, audits, and compliance. It proposes that technology-enabled professional services using tools like virtual data rooms and apps can help address these challenges by providing structure, automation and transparency. Finally, it discusses keys to successful enterprise IT projects, including implementing solutions incrementally from the bottom-up and focusing on user experience, change management and governance.
ERISA Retirement Service Providers November 2012fredreish
This newsletter provides information for service providers to ERISA-governed retirement plans. It focuses on recent legal issues impacting these service providers. Now that service providers have disclosed their services, status, and compensation to plan sponsors, as required under 408(b)(2), plan sponsors must review and evaluate these disclosures. However, many sponsors lack the expertise to properly do this. As a result, service providers will need to help their sponsor clients with this process. Additionally, the Department of Labor recently issued guidance on disclosure requirements for investments made through brokerage windows but then retreated from this position due to criticism. While the guidance was revised, the issue is not fully resolved and plans/providers should consider why the DOL pursued
Best Practices in Reducing Check LossesDogTelligent
The document discusses best practices for reducing check losses, including:
1) Screening checks in real-time for fraud could reduce losses by 60% according to industry reports.
2) Applying holds consistently under Regulation CC guidelines protects funds longer from fraudulent checks.
3) Integrating duplicate detection into check processing and cooperatively addressing fraud across institutions can further reduce losses.
P&C Claims Automation Solution - A Competitive AdvantageParagon Solutions
Paragon Solutions, Inc.
Mike Cloutier – Vice President Insurance Markets
http://www.consultparagon.com/industries/insurance/property-and-casualty.html
ACORD Conference May 15-17, 2012
Similar to PPB Advisory Research The Future Of Liquidation And Bankruptcy (20)
22. Annexures
PPB Advisory Liquidation Screen – Decision Tree
PPB Advisory Bankruptcy Scorecard
IPA Insolvency Reform submissions to Treasury
Important:This information is not advice.Readers should not act solely on the basis of information contained in this document.We recommend that formal or independent advice be sought before acting in the areas covered herein.May 2011
23. PPB Advisory liquidation screen
Decision tree
1. Company LPI Does company
Yes
search own real property?
No
2. PPB Advisory
Do Directors have Proceed with
bankruptcy Yes
assets? winding up
scorecard
No
3. Substantial
Write off debt No
trading enterprise Yes
24. Risk score card
Debtor name
Referral solicitor
Contact at referral solicitor
Please complete all categories – (Please type in answers in whole, eg TRUE not T)
Category A – Real property Answer PPB rating
Number of encumbered properites
Number of unencumbered properties
Number of caveats on the property (Excluding Caveat by Petitioning Creditor)
Number of caveats on the property by Petitioning Creditor
Number of mortgages over the property
Have proceedings been commenced by the mortgagee? (True or False)
Is the property being rented? (True or False)
Total score (accept if > = 5)
Category B – Income Answer PPB rating
Are you aware of the debtors current employment / income / pension status? (True or False)
Is the debtor’s income between $75,000 and $100,000? (True or False)
Is the debtor’s income greater than $100,000? (True or False)
Is the debtor’s employer a related party? (True or False)
Total score (accept if > = 5)
Category C – Business Answer PPB rating
Does the debtor currently operate a business? (True or False)
What is the nature of the business? (Sole trader = True otherwise False)
Are you are aware of whether the business has unencumbered debtors or plant and equipment?
(True or False)
Total score (accept if > = 5)
25. Category D – Other assets / matters Answer PPB rating
Are there any other assets with a value greater than $10,000? (True or False)
Is the debtor a vexacious / litigious person? (True or False)
Is the debtor self represented? (True or False)
Number of companies the debtor holds shareholdings?
Total score (accept if > = 5)
Total Score ( Accept Appointment if any Category is >= 5) Answer PPB rating
Total rating - CAT A
Total rating - CAT B
Total rating - CAT C
Total rating - CAT D
Is consent granted?
Contacts
Scott Pascoe Andrew Scott Simon Theobold
Partner Senior Manager Partner
t: +61 2 8116 3202 t: +61 2 8116 3063 t: +61 8 9382 8933
e: spascoe@ppbadvisory.com e: ascott@ppbadvisory.com e: stheobold@ppbadvisory.com
Geoff Granger Warren White Peter Macks
Director Partner Partner
t: +61 2 8116 3224 t: +61 3 9269 4225 t: +61 8 8211 7800
e: ggranger@ppbadvisory.com e: wwhite@ppbadvisory.com e: pmacks@ppbsa.com.au
Mark Roufeil David Leigh
Director Partner
t: +61 2 8116 3000 t: +61 7 3222 6800
e: mroufeil@ppbadvisory.com e: dleigh@ppbadvisory.com
www.ppbadvisory.com
Important: This information is not advice. Readers should not act solely on the basis of information contained in this document. We recommend that formal or independent advice
be sought before acting in the areas covered herein. 00075STAT. April 2011.