This document provides an analysis of ratios for a company involved in chemicals and fertilizers for the years 2011-2012. It includes calculations and explanations of key financial ratios to analyze liquidity, solvency, capital structure, turnover, profitability, and other metrics. The ratios indicate the company had strong liquidity and current ratios in 2011 but these declined in 2012, while inventory turnover and fixed asset turnover improved between the two years. Return on investments was around 6% in 2012. Overall the document performs a comprehensive ratio analysis to evaluate the company's financial performance and position.
This document provides supplementary financial information for The Chubb Corporation for the quarter ending March 31, 2005. It includes:
- Consolidated balance sheet highlights showing total invested assets of $31.9 billion.
- Summaries of invested assets by corporate and property/casualty segments.
- Investment income after taxes for corporate and property/casualty segments.
- Property/casualty insurance group statutory surplus of $8.25 billion.
- Changes in net unpaid losses for various lines of business.
- Worldwide underwriting results by line of business, showing a total statutory underwriting income of $134.4 million.
Fluor Corporation reported financial results for 2003 with revenues of $8.8 billion, earnings from continuing operations of $179 million, and net earnings of $157 million. Key highlights included a 6% increase in earnings from continuing operations compared to 2002. New awards in 2003 totaled nearly $10 billion and backlog remained strong at over $10 billion. The document also discussed Fluor's shift away from power projects as that market declined, with the dissolution of its Duke/Fluor Daniel joint venture in power announced in July 2003.
The document provides supplementary investor information from The Chubb Corporation as of June 30, 2005. It includes:
- Consolidated balance sheet highlights showing total invested assets of $32.9 billion including fixed maturities and equity securities.
- Summaries of invested assets for Chubb's Corporate and Property & Casualty segments totaling over $31 billion.
- Investment income after taxes for the second quarter and first half of 2005, with Property & Casualty investment income of $261 million and $513 million respectively.
- Property & Casualty underwriting results for the second quarter and first half of 2005, including a $4.3 billion statutory policyholders' surplus for the P
This document contains consolidated financial statements for Anheuser-Busch Companies for the years ended December 31, 2005 and 2004. It includes the balance sheet, statement of income, statement of changes in shareholders' equity, and statement of cash flows. The balance sheet shows the company had total assets of $16.6 billion in 2005 and $16.2 billion in 2004, with shareholders' equity of $3.3 billion in 2005 and $2.7 billion in 2004. The statement of income shows net income was $1.8 billion in 2005 and $2.2 billion in 2004. Cash provided by operating activities was $2.7 billion in 2005 and $2.9 billion in 2004 according to the statement
Supplementary Investor Information Y13880_Edgar_992_0333_finance18
The document provides supplementary investor information for The Chubb Corporation for the third quarter of 2005, including:
1) Consolidated balance sheet highlights and summaries of invested assets for both corporate and property/casualty segments.
2) Property/casualty underwriting results for the first nine months of 2005, showing a statutory underwriting income of $293.6 million.
3) Details of changes in net unpaid losses and the estimated impact of catastrophes including Hurricane Katrina of $511 million pre-tax cost.
The document provides supplementary investor information for The Chubb Corporation as of December 31, 2005. It includes a consolidated balance sheet, details on share repurchase activity, summaries of invested assets and investment income for both corporate and property & casualty segments. It also provides property & casualty underwriting results for 2005 and 2004, including net premiums written and earned, losses incurred and expenses by line of business.
The Progressive Corporation's 2006 annual report summarizes its financial performance for 2006, 2005, and 2004. In 2006, Progressive's net income increased to $1.647 billion, up from $1.394 billion in 2005. Revenues grew to $14.786 billion in 2006 from $14.303 billion in 2005. Progressive also reported increases in investment income and total shareholders' equity from 2005 to 2006, while expenses such as losses, acquisition costs, and underwriting expenses also grew over this period.
This document provides supplementary financial information for The Chubb Corporation as of December 31, 2007. It includes highlights of consolidated balance sheets, share repurchase activity, summaries of invested assets, investment income after taxes for corporate and property/casualty divisions, statutory policyholder surplus, changes in unpaid losses, and underwriting results by line of business for 2007 and 2006.
This document provides supplementary financial information for The Chubb Corporation for the quarter ending March 31, 2005. It includes:
- Consolidated balance sheet highlights showing total invested assets of $31.9 billion.
- Summaries of invested assets by corporate and property/casualty segments.
- Investment income after taxes for corporate and property/casualty segments.
- Property/casualty insurance group statutory surplus of $8.25 billion.
- Changes in net unpaid losses for various lines of business.
- Worldwide underwriting results by line of business, showing a total statutory underwriting income of $134.4 million.
Fluor Corporation reported financial results for 2003 with revenues of $8.8 billion, earnings from continuing operations of $179 million, and net earnings of $157 million. Key highlights included a 6% increase in earnings from continuing operations compared to 2002. New awards in 2003 totaled nearly $10 billion and backlog remained strong at over $10 billion. The document also discussed Fluor's shift away from power projects as that market declined, with the dissolution of its Duke/Fluor Daniel joint venture in power announced in July 2003.
The document provides supplementary investor information from The Chubb Corporation as of June 30, 2005. It includes:
- Consolidated balance sheet highlights showing total invested assets of $32.9 billion including fixed maturities and equity securities.
- Summaries of invested assets for Chubb's Corporate and Property & Casualty segments totaling over $31 billion.
- Investment income after taxes for the second quarter and first half of 2005, with Property & Casualty investment income of $261 million and $513 million respectively.
- Property & Casualty underwriting results for the second quarter and first half of 2005, including a $4.3 billion statutory policyholders' surplus for the P
This document contains consolidated financial statements for Anheuser-Busch Companies for the years ended December 31, 2005 and 2004. It includes the balance sheet, statement of income, statement of changes in shareholders' equity, and statement of cash flows. The balance sheet shows the company had total assets of $16.6 billion in 2005 and $16.2 billion in 2004, with shareholders' equity of $3.3 billion in 2005 and $2.7 billion in 2004. The statement of income shows net income was $1.8 billion in 2005 and $2.2 billion in 2004. Cash provided by operating activities was $2.7 billion in 2005 and $2.9 billion in 2004 according to the statement
Supplementary Investor Information Y13880_Edgar_992_0333_finance18
The document provides supplementary investor information for The Chubb Corporation for the third quarter of 2005, including:
1) Consolidated balance sheet highlights and summaries of invested assets for both corporate and property/casualty segments.
2) Property/casualty underwriting results for the first nine months of 2005, showing a statutory underwriting income of $293.6 million.
3) Details of changes in net unpaid losses and the estimated impact of catastrophes including Hurricane Katrina of $511 million pre-tax cost.
The document provides supplementary investor information for The Chubb Corporation as of December 31, 2005. It includes a consolidated balance sheet, details on share repurchase activity, summaries of invested assets and investment income for both corporate and property & casualty segments. It also provides property & casualty underwriting results for 2005 and 2004, including net premiums written and earned, losses incurred and expenses by line of business.
The Progressive Corporation's 2006 annual report summarizes its financial performance for 2006, 2005, and 2004. In 2006, Progressive's net income increased to $1.647 billion, up from $1.394 billion in 2005. Revenues grew to $14.786 billion in 2006 from $14.303 billion in 2005. Progressive also reported increases in investment income and total shareholders' equity from 2005 to 2006, while expenses such as losses, acquisition costs, and underwriting expenses also grew over this period.
This document provides supplementary financial information for The Chubb Corporation as of December 31, 2007. It includes highlights of consolidated balance sheets, share repurchase activity, summaries of invested assets, investment income after taxes for corporate and property/casualty divisions, statutory policyholder surplus, changes in unpaid losses, and underwriting results by line of business for 2007 and 2006.
This document provides a summary of financial information for The Chubb Corporation as of March 31, 2007. Some key highlights include:
- Total invested assets were $38.7 billion as of March 31, 2007, with fixed maturities making up the majority.
- Statutory policyholders' surplus for Chubb's property and casualty insurance group was estimated at $11.95 billion as of March 31, 2007, with a ratio of statutory net premiums written to surplus of 1.00 to 1.
- For the three months ended March 31, 2007, Chubb's worldwide property and casualty underwriting results showed a total underwriting income of $202 million for personal insurance and $144 million
The document presents consolidated balance sheet and financial statement information for Anheuser-Busch Companies for the years ended December 31, 2006 and 2005. It shows that the company had total assets of $16.4 billion in 2006 and $16.6 billion in 2005, with current assets of $1.8 billion in 2006 and $1.8 billion in 2005. It also shows that the company had total shareholders' equity of $3.9 billion in 2006 and $3.7 billion in 2005, and net income of $2.0 billion in 2006 and $1.7 billion in 2005.
WPS Resources Corporation saw increased revenues and net income in 2005. The company is committed to creating value for shareholders, customers, employees and communities by growing its utility investments, maintaining a strong nonregulated business, and reducing its risk profile. Various initiatives are aimed at improving efficiency and reducing costs.
This document summarizes Anheuser-Busch's consolidated balance sheet and statements of income, changes in shareholders' equity, and cash flows for the years ended December 31, 2004 and 2003. It shows that the company's total assets increased to $16.2 billion in 2004 from $14.7 billion in 2003, with growth in cash, receivables, inventories, plant and equipment and intangible assets. Net income increased to $2.24 billion in 2004 from $2.08 billion in 2003, while operating cash flow was $2.94 billion in 2004.
The Tribune Company reported financial results for the second quarter and first half of 2005. For the second quarter, revenues decreased 2.3% but operating expenses fell 4.5%, leading to a 6.1% rise in operating profit. Net income increased 142.1% to $233 million due to gains from investments. Earnings per share rose 151.7% to $0.73. For the first half, revenues declined 1.8% while operating expenses fell 2.2%, keeping operating profit flat. Net income increased 73.3% to $376 million and earnings per share rose 81.5% to $1.18, helped by investment gains.
This annual report summarizes the financial highlights and performance of Cooper Cameron Corporation for the years 1997, 1996 and 1995. Some key points:
- Revenues increased over 30% from 1996 to 1997, reaching $1.81 billion, driven by acquisitions, pricing improvements and strong sales.
- Earnings before interest, taxes, depreciation and amortization exceeded the target of 15% of revenues, reaching 16.3%.
- Net income improved to $140.58 million in 1997 compared to a net loss in 1996.
- The CEO outlines plans to continue improving productivity and manufacturing efficiency to meet increased financial targets for 1998.
This document is Micron Technology's Form 10-Q filing for the quarter ended December 3, 1998. The filing includes financial statements such as the consolidated balance sheet, statement of operations, and statement of cash flows. It also includes notes to the financial statements providing additional details. The financial statements show the company had $767.7 million in cash and equivalents as of December 3, 1998, with total assets of $6.8 billion and total liabilities of $2.8 billion. For the quarter, the company reported a net loss of $46.2 million on net sales of $793.6 million.
This document provides supplementary financial information for The Chubb Corporation as of December 31, 2008. It includes highlights of the consolidated balance sheet, share repurchase activity, summaries of invested assets for the Corporate and Property and Casualty segments, and investment income. It also contains information on statutory policyholders' surplus, changes in unpaid losses, and underwriting results for year-to-date and quarterly periods for the Property and Casualty Insurance Group. Key terms are defined at the end.
This document provides supplementary financial information for The Chubb Corporation as of March 31, 2006. It includes consolidated balance sheet highlights, share repurchase activity, summaries of invested assets for corporate and property & casualty segments, investment income after taxes, statutory policyholders' surplus, changes in net unpaid losses, and underwriting results for personal, commercial, and specialty insurance lines of business. Key metrics such as loss ratios, expense ratios, and combined ratios are also presented.
The Tribune Company reported financial results for the second quarter and first half of 2003. Operating revenues increased 5.0% in the second quarter and 4.8% in the first half compared to the prior year. Net income more than doubled in the second quarter and was significantly higher in the first half due to gains on investments. Earnings per share increased substantially in both periods. Publishing operating profit rose 4.7% in the quarter and 11.7% in the first half, while Broadcasting operating profit increased 15.0% and 16.9% respectively.
The document compares the capital structure of Nirma Ltd and Henkel India Ltd over several years:
1) Nirma Ltd is predominantly equity-based with very little debt and a debt-to-equity ratio below 0.2, while Henkel India has significantly higher debt levels with a debt-to-equity ratio above 0.8.
2) Nirma has increased its authorized capital over time but paid-up capital remains low, and it has large reserves. Henkel's capital levels have remained steady and it has lower reserves.
3) Both companies have some preference shares but Nirma relies more on equity financing due to its strong financial position, while Henkel pursues
This document provides supplementary investor information for The Chubb Corporation, including consolidated balance sheet highlights, share repurchase activity, summaries of invested assets, investment income after taxes, statutory policyholders' surplus, changes in net unpaid losses, and underwriting results for both the nine months and quarters ended September 30, 2007 and 2006. Key figures include total invested assets of $40.5 billion, shareholders' equity of $14.2 billion, and worldwide property and casualty underwriting income of $543 million for the nine months ended September 30, 2007.
Here's a list of schemes that made it to Mint 50.
The returns are across three time periods and you would do well to first look at five- and 10-year performances and then look at the three-year return to see if the fund is still ahead. Value Research rating gives an indication of the risk-adjusted return.
STATE FARM INSURANCE 2007 State Farm® Annual Reportfinance4
State Farm Mutual Automobile Insurance Company reduced auto insurance rates for the fourth straight year in 2007 despite higher vehicle operating costs. While underwriting profits dropped, improved investment income partly offset this. The company was also able to hold down operating expenses even while paying out $1.4 billion more in claims. Policies in force grew over 900,000 to nearly 42 million, and the company maintained its top financial strength rating from A.M. Best of A++.
Ryder System reported financial results for the first quarter of 2008. Total revenue decreased 3% to $1.54 billion compared to the first quarter of 2007. Net earnings increased 9% to $56.1 million. The Fleet Management Solutions segment saw a 12% increase in revenue and a 13% increase in earnings before income taxes. The Supply Chain Solutions segment had a 27% decrease in revenue and a 27% decrease in earnings before income taxes.
The Tribune Company reported financial results for the fourth quarter and full year of 2003. Operating revenues increased 2.8% in the fourth quarter and 3.9% for the full year compared to the prior year. Net income increased 74.8% in the fourth quarter and 101.2% for the full year due largely to gains on investments and derivatives. Earnings per share increased 73.8% in the fourth quarter on a basic basis and 75.4% on a diluted basis.
This document provides supplementary investor information from The Chubb Corporation for the period ending June 30, 2007. It includes highlights of Chubb's consolidated balance sheet, share repurchase activity, summaries of invested assets for Corporate and Property & Casualty segments, and investment income after taxes. Key metrics provided are total invested assets of $39.5 billion, shareholders' equity of $13.8 billion, and year-to-date Property & Casualty investment income of $360 million.
OTREXUP is a self-administered injectable methotrexate product for rheumatoid arthritis patients. Clinical trials showed OTREXUP was easy for patients to use, caused minimal pain, and delivered systemic exposure comparable to oral methotrexate. With a December 2012 FDA filing, OTREXUP has the potential to address the needs of RA patients by providing a convenient self-injectable option for methotrexate treatment.
The document contains 4 mood boards created by Savannah Hardwick exploring potential themes for a photography project on discovery. The first mood board focuses on animals and features close-up images of colorful and exotic animals. The second mood board explores the theme of religion using symbols of different religions and images of people praying. The third mood board is based on locations and contains diverse landscape and scenic images from around the world. The fourth and final mood board examines the theme of food using vibrant photos of foods like fruits, vegetables and fast food.
The document is an evaluation by Savannah Hardwick of advertising products created for the charity SASH. Savannah believes the products are fit for purpose because they relate to the charity's message and use bright colors to catch attention. Savannah used techniques like fading colors and emotive images to draw in audiences. While the products provide some information about the charity, Savannah notes they could provide more details about services. Overall, the evaluation examines the effectiveness, appropriateness and potential impact of the advertising campaign.
This document provides a summary of financial information for The Chubb Corporation as of March 31, 2007. Some key highlights include:
- Total invested assets were $38.7 billion as of March 31, 2007, with fixed maturities making up the majority.
- Statutory policyholders' surplus for Chubb's property and casualty insurance group was estimated at $11.95 billion as of March 31, 2007, with a ratio of statutory net premiums written to surplus of 1.00 to 1.
- For the three months ended March 31, 2007, Chubb's worldwide property and casualty underwriting results showed a total underwriting income of $202 million for personal insurance and $144 million
The document presents consolidated balance sheet and financial statement information for Anheuser-Busch Companies for the years ended December 31, 2006 and 2005. It shows that the company had total assets of $16.4 billion in 2006 and $16.6 billion in 2005, with current assets of $1.8 billion in 2006 and $1.8 billion in 2005. It also shows that the company had total shareholders' equity of $3.9 billion in 2006 and $3.7 billion in 2005, and net income of $2.0 billion in 2006 and $1.7 billion in 2005.
WPS Resources Corporation saw increased revenues and net income in 2005. The company is committed to creating value for shareholders, customers, employees and communities by growing its utility investments, maintaining a strong nonregulated business, and reducing its risk profile. Various initiatives are aimed at improving efficiency and reducing costs.
This document summarizes Anheuser-Busch's consolidated balance sheet and statements of income, changes in shareholders' equity, and cash flows for the years ended December 31, 2004 and 2003. It shows that the company's total assets increased to $16.2 billion in 2004 from $14.7 billion in 2003, with growth in cash, receivables, inventories, plant and equipment and intangible assets. Net income increased to $2.24 billion in 2004 from $2.08 billion in 2003, while operating cash flow was $2.94 billion in 2004.
The Tribune Company reported financial results for the second quarter and first half of 2005. For the second quarter, revenues decreased 2.3% but operating expenses fell 4.5%, leading to a 6.1% rise in operating profit. Net income increased 142.1% to $233 million due to gains from investments. Earnings per share rose 151.7% to $0.73. For the first half, revenues declined 1.8% while operating expenses fell 2.2%, keeping operating profit flat. Net income increased 73.3% to $376 million and earnings per share rose 81.5% to $1.18, helped by investment gains.
This annual report summarizes the financial highlights and performance of Cooper Cameron Corporation for the years 1997, 1996 and 1995. Some key points:
- Revenues increased over 30% from 1996 to 1997, reaching $1.81 billion, driven by acquisitions, pricing improvements and strong sales.
- Earnings before interest, taxes, depreciation and amortization exceeded the target of 15% of revenues, reaching 16.3%.
- Net income improved to $140.58 million in 1997 compared to a net loss in 1996.
- The CEO outlines plans to continue improving productivity and manufacturing efficiency to meet increased financial targets for 1998.
This document is Micron Technology's Form 10-Q filing for the quarter ended December 3, 1998. The filing includes financial statements such as the consolidated balance sheet, statement of operations, and statement of cash flows. It also includes notes to the financial statements providing additional details. The financial statements show the company had $767.7 million in cash and equivalents as of December 3, 1998, with total assets of $6.8 billion and total liabilities of $2.8 billion. For the quarter, the company reported a net loss of $46.2 million on net sales of $793.6 million.
This document provides supplementary financial information for The Chubb Corporation as of December 31, 2008. It includes highlights of the consolidated balance sheet, share repurchase activity, summaries of invested assets for the Corporate and Property and Casualty segments, and investment income. It also contains information on statutory policyholders' surplus, changes in unpaid losses, and underwriting results for year-to-date and quarterly periods for the Property and Casualty Insurance Group. Key terms are defined at the end.
This document provides supplementary financial information for The Chubb Corporation as of March 31, 2006. It includes consolidated balance sheet highlights, share repurchase activity, summaries of invested assets for corporate and property & casualty segments, investment income after taxes, statutory policyholders' surplus, changes in net unpaid losses, and underwriting results for personal, commercial, and specialty insurance lines of business. Key metrics such as loss ratios, expense ratios, and combined ratios are also presented.
The Tribune Company reported financial results for the second quarter and first half of 2003. Operating revenues increased 5.0% in the second quarter and 4.8% in the first half compared to the prior year. Net income more than doubled in the second quarter and was significantly higher in the first half due to gains on investments. Earnings per share increased substantially in both periods. Publishing operating profit rose 4.7% in the quarter and 11.7% in the first half, while Broadcasting operating profit increased 15.0% and 16.9% respectively.
The document compares the capital structure of Nirma Ltd and Henkel India Ltd over several years:
1) Nirma Ltd is predominantly equity-based with very little debt and a debt-to-equity ratio below 0.2, while Henkel India has significantly higher debt levels with a debt-to-equity ratio above 0.8.
2) Nirma has increased its authorized capital over time but paid-up capital remains low, and it has large reserves. Henkel's capital levels have remained steady and it has lower reserves.
3) Both companies have some preference shares but Nirma relies more on equity financing due to its strong financial position, while Henkel pursues
This document provides supplementary investor information for The Chubb Corporation, including consolidated balance sheet highlights, share repurchase activity, summaries of invested assets, investment income after taxes, statutory policyholders' surplus, changes in net unpaid losses, and underwriting results for both the nine months and quarters ended September 30, 2007 and 2006. Key figures include total invested assets of $40.5 billion, shareholders' equity of $14.2 billion, and worldwide property and casualty underwriting income of $543 million for the nine months ended September 30, 2007.
Here's a list of schemes that made it to Mint 50.
The returns are across three time periods and you would do well to first look at five- and 10-year performances and then look at the three-year return to see if the fund is still ahead. Value Research rating gives an indication of the risk-adjusted return.
STATE FARM INSURANCE 2007 State Farm® Annual Reportfinance4
State Farm Mutual Automobile Insurance Company reduced auto insurance rates for the fourth straight year in 2007 despite higher vehicle operating costs. While underwriting profits dropped, improved investment income partly offset this. The company was also able to hold down operating expenses even while paying out $1.4 billion more in claims. Policies in force grew over 900,000 to nearly 42 million, and the company maintained its top financial strength rating from A.M. Best of A++.
Ryder System reported financial results for the first quarter of 2008. Total revenue decreased 3% to $1.54 billion compared to the first quarter of 2007. Net earnings increased 9% to $56.1 million. The Fleet Management Solutions segment saw a 12% increase in revenue and a 13% increase in earnings before income taxes. The Supply Chain Solutions segment had a 27% decrease in revenue and a 27% decrease in earnings before income taxes.
The Tribune Company reported financial results for the fourth quarter and full year of 2003. Operating revenues increased 2.8% in the fourth quarter and 3.9% for the full year compared to the prior year. Net income increased 74.8% in the fourth quarter and 101.2% for the full year due largely to gains on investments and derivatives. Earnings per share increased 73.8% in the fourth quarter on a basic basis and 75.4% on a diluted basis.
This document provides supplementary investor information from The Chubb Corporation for the period ending June 30, 2007. It includes highlights of Chubb's consolidated balance sheet, share repurchase activity, summaries of invested assets for Corporate and Property & Casualty segments, and investment income after taxes. Key metrics provided are total invested assets of $39.5 billion, shareholders' equity of $13.8 billion, and year-to-date Property & Casualty investment income of $360 million.
OTREXUP is a self-administered injectable methotrexate product for rheumatoid arthritis patients. Clinical trials showed OTREXUP was easy for patients to use, caused minimal pain, and delivered systemic exposure comparable to oral methotrexate. With a December 2012 FDA filing, OTREXUP has the potential to address the needs of RA patients by providing a convenient self-injectable option for methotrexate treatment.
The document contains 4 mood boards created by Savannah Hardwick exploring potential themes for a photography project on discovery. The first mood board focuses on animals and features close-up images of colorful and exotic animals. The second mood board explores the theme of religion using symbols of different religions and images of people praying. The third mood board is based on locations and contains diverse landscape and scenic images from around the world. The fourth and final mood board examines the theme of food using vibrant photos of foods like fruits, vegetables and fast food.
The document is an evaluation by Savannah Hardwick of advertising products created for the charity SASH. Savannah believes the products are fit for purpose because they relate to the charity's message and use bright colors to catch attention. Savannah used techniques like fading colors and emotive images to draw in audiences. While the products provide some information about the charity, Savannah notes they could provide more details about services. Overall, the evaluation examines the effectiveness, appropriateness and potential impact of the advertising campaign.
1) As a UBC student studying abroad, you represent Canada and must follow all host institution rules to avoid jeopardizing your safety or others.
2) Any illegal activities could subject you to the host country's legal system without help from Canada.
3) Consider local customs, climate, and restrictions when deciding what to bring or wear, as some locations require certain attire at religious sites.
The document summarizes the AMS/GSS Health and Dental Insurance Plan provided to students. It outlines what medical expenses are covered while traveling outside of one's home province, including evacuation costs. Students traveling for university activities for up to 120 days are covered, and coverage can be extended for academic exchanges or internships. However, the plan does not cover travel to one's home country, those over age 65, or travel to areas with travel advisories.
The AMS/GSS Health & Dental Insurance Plan provides coverage for emergency medical treatment while traveling outside of the province of residence. It covers up to $5,000,000 per incident as well as evacuation and repatriation. The plan covers 120 days of travel per trip as well as academic exchanges and internships. However, it does not cover travel to home countries for international students or travel after age 65. Certain types of non-essential or dangerous travel also require additional insurance.
The interim report summarizes Nordnet's financial performance for the first quarter of 2012. Key points include:
- Operating income decreased 9% to SEK 264.9 million while profit after tax fell 8% to SEK 72.5 million.
- The number of active customers grew to 350,700, up 9% from the previous year. Total trades were nearly 4 million.
- Net savings increased slightly to SEK 3.6 billion while total savings capital was SEK 101 billion.
- Strategic priorities are focused on having the most satisfied customers and strengthening the brand as a leading savings bank in the Nordic region.
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- The financial ratios of SRM are projected to improve in 2006 and 2007 compared to 2005. However, they remain below industry averages.
- While liquidity, leverage, and asset management ratios improve, profitability ratios only marginally increase and remain poor.
- A key weakness is low profit margins, despite improvements in sales, inventory management, and debt repayment. Increased expenses constrain profits.
- Repaying debt improves financial stability in the short term, but sustained profitability is still lacking for long term financial health.
Nirma Limited Working Capital Managementvnitritesh
Nirma Ltd and Henkel India Ltd's working capital management is analyzed and compared based on their annual reports from 2006-2008. Nirma has higher inventory levels and turnover days but lower receivable days, resulting in a shorter operating cycle. Henkel has lower inventory but much higher receivable days, leading to a longer operating cycle. Overall, Nirma is better established in the market and has more efficient working capital management compared to Henkel.
- The document is the interim consolidated financial statements of Hyundai Capital Services, Inc. and its subsidiaries as of September 30, 2012 and 2011.
- It includes consolidated statements of financial position, comprehensive income, changes in equity, cash flows, and notes to the financial statements.
- The financial statements provide quarterly and year-to-date financial information on Hyundai Capital's assets, liabilities, equity, revenue, expenses, and cash flows.
Unitech Limited is one of India's leading real estate companies with over 30 years of experience and a market capitalization of approximately $15 billion. It has a diverse portfolio of residential, commercial, retail, entertainment and hospitality projects across India. Unitech has ambitious plans to expand its pan-India presence and focus on large, mixed-use and self-sustaining projects. The company has a proven track record of consistent financial growth and operational performance.
This document summarizes the consolidated financial statements of Hyundai Capital Services, Inc. and Subsidiaries for the years ended December 31, 2012 and 2011. It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows. The independent auditor issued an unqualified opinion stating that the financial statements present fairly the financial position, results of operations and cash flows of Hyundai Capital Services in accordance with Korean IFRS. Key figures from the financial statements include total assets of KRW 21.9 trillion in 2012, net income of KRW 432 billion in 2012, and total equity of KRW 3 trillion in 2012.
Hindustan Unilever Limited is India's largest Fast Moving Consumer Goods company with leadership positions across several product categories. Soaps and detergents account for 48.1% of its net revenue. Its key brands include Lux, Lifebuoy, Surf Excel, Rin, Wheel, and Fair & Lovely. The company aims to create sustainable growth through rural expansion, new product development, and cost efficiency. It faces competition from other FMCG companies such as Dabur India, Colgate-Palmolive, and Godrej Consumer Products.
The document provides Edison Spa's separate financial statements for 2009, including the balance sheet, income statement, statement of cash flows, statement of changes in shareholders' equity, and accompanying notes. The financial statements were prepared according to IFRS and some standards were amended in 2009, though none had a material impact. The statements provide Edison Spa's financial position and performance for the year ended December 31, 2009.
Citizen Air expanded rapidly through the 1980s, but this growth strained its finances. It financed expansion primarily through long-term debt, significantly increasing interest expenses without adequately growing operating income. As a result, it had negative interest and profit margins by 1985. It further struggled by purchasing Frontier Airlines, which did not align with its low-cost business model and drained funds. To improve its situation, Citizen Air needs to stop dividend payments, sell Frontier if possible, increase efficiency, address customer dissatisfaction, and downsize operations to stabilize its finances. However, its problems may be beyond the point of no return.
This document provides financial information for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. Some key details include:
- Revenue increased 4% to $1.658 billion for the quarter and 5% to $3.252 billion for the first half.
- Net earnings decreased 7% to $65.1 million for the quarter but were relatively flat at $116.4 million for the first half.
- Operating revenue for the Fleet Management Solutions segment increased 2% for the quarter and year-to-date. Segment earnings increased 3% and 5% respectively.
- Supply Chain Solutions operating revenue increased 13% for the quarter and 16
This document provides financial information for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. Some key details include:
- Total revenue for the second quarter was $1.658 billion, up 4% from the prior year. First half revenue was $3.252 billion, up 5%.
- Fleet Management Solutions revenue was flat for the quarter but up 7% for the first half. Supply Chain Solutions revenue grew 16% for both periods.
- Net earnings were $65.1 million for the quarter, down 7% from 2006, and $116.4 million for the first half, down 1% from the prior year.
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This document contains financial statements and key metrics for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. It shows that total revenue increased 4% to $1.658 billion in the second quarter, with operating revenue also up 4% to $1.157 billion. For the first half, total revenue rose 5% to $3.252 billion and operating revenue increased 5% to $2.276 billion. The Fleet Management Solutions segment saw revenue remain flat at $1.037 billion in the second quarter, while Supply Chain Solutions revenue increased 16% and Dedicated Contract Carriage declined slightly.
This document provides financial information for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. Some key details include:
- Total revenue for the second quarter was $1.658 billion, up 4% from the prior year. First half revenue was $3.252 billion, up 5%.
- Fleet Management Solutions revenue was flat for the quarter but up 7% for the first half. Supply Chain Solutions revenue increased 16% for both periods.
- Net earnings were $65.1 million for the quarter, down 7% from 2006, and $116.4 million for the first half, down 1% from the prior year.
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This document provides condensed interim consolidated financial statements for Prophecy Coal Corp. for the three month period ended March 31, 2012. It includes statements of financial position, operations and comprehensive loss, changes in equity, and cash flows. Key notes provide details on the nature of operations, basis of presentation, acquisitions, segments, cash and investments, property and equipment, accounts payable, share capital, financial instruments, and commitments. The financial statements are unaudited and no auditor review was conducted.
This document is Micron Technology's Form 10-Q filing for the quarterly period ended May 31, 2001. It includes their consolidated balance sheet and statements of operations for that quarter. The key details are:
- As of May 31, 2001 Micron had total assets of $8.8 billion including $622.7 million of cash and $1.1 billion of liquid investments. Their total liabilities were $1.5 billion resulting in total shareholders' equity of $7.2 billion.
- For the quarter ended May 31, 2001 Micron reported a net loss of $313.4 million or $0.53 per share. This included an operating loss of $
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The document is the annual financial statements of Nestlé Pakistan Ltd. for the year ended December 31, 2006. It includes the auditors' report, balance sheet, profit and loss account, cash flow statement, statement of changes in equity, and notes to the financial statements. The auditors issued a clean opinion and stated that the financial statements were prepared according to accounting standards and present a true and fair view of the company's financial position.
Ryder System, Inc. and Subsidiaries reported financial results for the three months and year ended December 31, 2006. For the quarter, revenue increased slightly to $1.594 billion while net earnings rose 11% to $65.8 million. For the full year, revenue grew 10% to $6.307 billion and net earnings increased 10% to $249 million. The company saw growth in its Fleet Management and Supply Chain Solutions segments, while Dedicated Contract Carriage remained relatively flat. Key metrics like return on equity and return on assets remained steady.
- Ryder System, Inc. reported consolidated revenue of $1.59 billion for Q4 2006, up 3% from Q4 2005. For full year 2006, revenue was $6.31 billion, an increase of 10% over 2005.
- Earnings from continuing operations for Q4 2006 were $65.8 million, an 11% increase from $59.5 million in Q4 2005. For 2006, earnings from continuing operations were $249 million, up 9% from 2005.
- The Fleet Management Solutions segment saw a 1% decline in revenue for Q4 2006 compared to Q4 2005, while the Supply Chain Solutions segment had a 13% revenue increase and the Dedicated Contract Carriage
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Who Is the Largest Producer of Soybean in India Now.pdf
Accounts
1.
2. ABOUT THE COMPANY
The company deals in chemicals and fertilizers.
It is the company's aim to make India self-reliant in
these fields.
The company is committed to the production of
products that fall in the core sector.
Our management plays a large role in recruiting
and keeping its large flock of personnel together.
Technology is a major area of concern and they
take care to see that they have the latest available
technology at our disposal.
4. WHAT IS RATIO ANALYSIS
It is a powerful tool of financial analysis useful for
measuring the performance of an organization.
Ratios are calculated from current year numbers
and are then compared to previous years.
There are many ratios that can be calculated from
the financial statements.
Some common ratios include the price-earnings
ratio, debt-equity ratio, earnings per share, asset
turnover and working capital.
6. CURRENT
RATIOS
SOLVENCY
RATIOS
LIQUID/QUICK/ACID PROPRIETORS
TEST RATIO RATIOS
7. PARTICULARS Rs. (In Lakhs) 2011 Rs.(In Lakhs) 2012
1.SOURCES OF FUNDS
A.OWNERS FUND
Share Capital 25680.92 25680.92
ADD:Reserves and Surplus 175769.99 167860.09
201450.91 193541.01
B.BORROWED FUNDS
a.Secured Loans
Long Term Borrowings 128.3
Other Long Term Liabilities 6002.77 6594.34
Long Term Provisions 98.28 129.95
611.05 6852.59
TOTAL FUNDS EMPLOYED 207551.96 200393.6
2.APPLICATION OF FUNDS
A.FIXED ASSETS
Intangible 1.49
Tangible 2047.96 2398.51
Capital work in progress 235.47
2049.45 2633.98
B.INVESTMENTS
Non Current Investments 9783.05 4618.72
Long Term Loan and Advances 93790.33 31941.02
Other Non Current Assets 3531.42 5776.49
107104.8 42336.23
C.WORKING CAPITAL
a.Current Assets
Inventories 16607.96 114030.3
Trade Receivables 2200 378.58
Cash and Bank Balances 17257.53 32560.62
Short Term Loans and Advances 119501.63
127634.92 166471.13
b.Current Liabilities
Short Term Borrowings 27650 9407
Trade Payable 434.12 1155.73
Other Current Liabilities 976.13 327.21
Short Term Provisions 176.96 157.8
29237.21 111047.74
WORKING CAPITAL(a-b) 98397.71 155423.39
TOTAL CAPITAL EMPLOYED 207551.96 200393.6
8. CURRENT RATIOS
A liquidity ratio that measures a company's ability to
pay short-term obligations.
Calculated
as:
CURRENT ASSETS /CURRENT LIABILITIES
9. INVENTORIES + TRADE RECEIVABLES + CASH OR BANK +
SHORT TERM LOANS AND ADVANCES / SHORT TERM
BORROWINGS + TRADE PAYABLE + OTHER CURRENT
LIABILITIES + SHORT TERM PROVISIONS
2011 2012
166471.13/ 11047.74 127634.92/ 29237.21
= 15.068: 1 =4.365:1
* All figures in lakhs
11. CASH AND BANK BALANCES/ LIQUID LIABILITIES
2011 2012
35560.62/ 11047.74 17257.53/ 29237.21
= 3.21:1 = 0.59:1
* All figures in lakhs
12. PROPRIETORS RATIOS
Proprietary ratio establishes relationship between
proprietor's funds to total resources of the unit.
PROPRIETORS FUND/TOTAL ASSETS x 100
13. 2011 2012
193541.01/ 211441.34 201450.91/ 236789.17
x 100 x 100
= 91.534% = 85.076%
* All figures in lakhs
15. DEBT/EQUITY RATIO
A measure of a company's financial leverage
calculated by dividing its total
liabilities by stockholders' equity
Debt/Equity Ratio = Debt/Debt + Equity
16. 2011 2012
6852.59/ 193541.01 6101.05/ 201450.91
= 0.035:1 = 0.03:1
* All figures in lakhs
17. CAPITAL GEARING RATIO
Capital Gearing Ratio explains the relationship
between fixed term capital/loans carrying fixed rate
of dividend/interest
CAPITAL WITH FIXED RATE OF
RETURN/CAPITAL NOT WITH FIXED RATE OF
RETURN
18. 2011 2012
6852.59/ 193541.01 6101.05/ 201450.91
= 0.035% = 0.03%
* All figures in lakhs
19. TURNOVER (EFFICIENCY) RATIOS
INVENTORY
TURNOVER RATIO
WORKING
CREDIT
CAPITAL
TURNOVER RATIO
TURNOVER RATIO
INVENTORY FIXED ASSETS
VELOCITY TURNOVER RATIO
DEBTORS DEBTORS
TURNOVER RATIO VELOCITY(DSO)
20. CREDIT TURNOVER RATIO
It compares creditors with the total credit
purchases.
CREDIT PURCHASES/ AVERAGE (CREDITORS+
BILLS PAYABLE)
21. 2011 2012
9225.89/ 1155.73 31200/ 434.12
= 7.89:1 = 71.86:1
* All figures in lakhs
22. PARTICULARS RS. (IN LAKHS) 2012
Gross Sales 48958.86
(-) Sales Return
NET SALES 48958.86
LESS:COST OF GOODS SOLD
Purchase of Stock in Trade 31200
Change in Inventories 25
Cost of Sales 31225
GROSS PROFIT(NET SALES - COST OF GOODS SOLD) 17733.86
LESS:OPERATING EXPENSES
ADMINISTRATIVE EXPENSES:
Employee Benefit expense 1023.01
Depreciation and Amortization expense 233.11
SELLING EXPENSES:
Travelling Expense 307.3
FINANCIAL EXPENSES:
Finance Cost 1132.59
TOTAL OPERATING EXPENSES 2696.01
OPERATING NET PROFIT 15037.85
ADD:NON OPERATING INCOME
Other Income 43.01
LESS:NON OPERATING EXPENSES
Exceptional Items 2816.53
Prior Period Adjust 127.01
LESS:TAX PAID 2151.79
NET PROIT 9985.53
23. INVENTORY TURNOVER RATIO
Inventory Turnover Ratio is a ratio showing how
many times a company's inventory is sold and
replaced over a period.
Generally calculated as:
Cost of Goods Sold/Average Stock
24. 2011 2012
19446.89- 10215.2/ 48958.86- 17733.86/
14033.2 16999.44
= 0.657 times = 1.836 times
* All figures in lakhs
25. INVENTORY VELOCITY
Inventory Velocity is number of hours or days that
elapse between receipt of inputs and dispatch of
finished product
Average Stock/Cost of goods sold x 365
26. 2011 2012
14033.2/ 19446.89- 16999.44/ 48958.86-
10215.2 x 365 17733.86 x 365
= 554.84 days = 198.71 days
* All figures in lakhs
27. DEBTOR’S TURNOVER RATIO
An accounting measure used to quantify a firm's
effectiveness in extending credit as well as
collecting debts.
Credit Sales/Average(Debtors + Bills Receivable)
28. 2011 2012
19446.89/378.58 48958.86/2200
= 51.36 times = 22.25 times
* All figures in lakhs
30. 2011 2012
378.58/19446.89 x 365 2200/48958.86 x 365
= 7.105 days = 16.401 days
* All figures in lakhs
31. FIXED ASSETS TURNOVER RATIO
The fixed-asset turnover ratio measures a
company's ability to generate net sales from fixed-
asset investments - specifically property, plant and
equipment (PP&E) - net of depreciation
Total sales/Gross fixed assets
32. 2011 2012
19446.89/2633.98 48958.86/2049.45
= 7.38 times = 23.88 times
* All figures in lakhs
33. WORKING CAPITAL TURNOVER RATIO
A measurement comparing the depletion of working
capital to the generation of sales over a given
period.
Total Sales/Average Working Capital
34. 2011 2012
19446.89/155423.39 48958.86/98397.71
= 0.125 times = 0.497 times
* All figures in lakhs
35. PROFITABILITY RATIOS
GROSS
PROFIT RATIO
OPERATING
EXPENSE
NET PROFIT
RATIO
RATIO
36. GROSS PROFIT RATIO
A financial metric used to assess a firm's financial
health by revealing the proportion of money left
over from revenues after accounting for the cost of
goods sold.
Calculated as: Gross Profit/Net Sales*100
37. 2011 2012
10215.2/19446.89 x 17733.86/48958.86 x
100 = 52.528% 100 = 36.22%
* All figures in lakhs
38. OPERATING NET PROFIT RATIO
This ratio indicates the profitability of current
operations.
Generally Calculated as: Operating Net Profit/Net
Sales x 100
39. 2011 2012
7942.57/19446.89 x 13005.23/48958.86 x
100 = 40.84% 100 = 26.56%
* All figures in lakhs
40. EXPENSE RATIO
A measure of what it costs an investment company
to operate a mutual fund
Generally calculate as: Each type or item of
expenses/Net Sales x 100
2696.01/ 48958.86 x 100 = 5.506%
* All figures in lakhs
41. RETURN ON INVESTMENTS(ROI/ROCE)
A performance measure used to evaluate the
efficiency of an investment or to compare the
efficiency of a number of different investments.
Generally Calculated as: EBIT/Capital Employed
x 100
12137.32/200393.6 x 100 = 6.05%
* All figures in lakhs
42. OTHER RATIOS
INTEREST PR ICE
COVERAGE YIELD EARNING
RATIOS RATIO
DEBT SERVICE
DIVIDEND
COVERAGE
PAYOUT RATIO
RATIOS(DSCR)
EARNINGS
DIVIDEND PER
PER
SHARE(DPS)
SHARE(EPS)
43. PRICE EARNING RATIOS(PE )
The relationship between market price of the share
and the current earnings per share.
MARKET PRICE PER SHARE/EARNINGS PER
EQUITY SHARE
35.55/ 4= 8.89
* All figures in lakhs
44. PRESENTED BY
MEGHNA GULATI
SANJANA PARULEKAR
LOMA SISODIA
VISHAL CHAWLA
AKSHAY DUGGAD
HANS PUNJABI