- Aksigorta's financial results for the third quarter of 2016 are in line with its strategic plan excluding motor third party liability (MTPL) and agriculture products. Premium production grew 11% excluding these lines, compared to 9% market growth.
- The combined ratio was 97% excluding MTPL claims and terrorism claims, consistent with 2015. Net profit increased 7% excluding these lines.
- Guidance for 2016 forecasts 10-11% premium growth excluding MTPL, a 1-2 point improvement in combined ratio, and similar net profit to 2015, all excluding MTPL.
- The document presents financial results for Aksigorta for Q3 2016 and year-to-date 2016, excluding results from mandatory traffic insurance (MTPL) and agriculture products.
- Key metrics like premium production, combined ratio, and net profit improved compared to the same period in 2015 when excluding MTPL and agriculture. The portfolio mix has also been rebalanced with a reduced focus on motor insurance.
- Guidance for full-year 2016 forecasts premium growth of 10-11% and a 1-2 percentage point improvement in combined ratio compared to 2015, excluding MTPL. Net profit is expected to be similar to 2015 levels.
Aksigorta cc presentation_2016_december_2016Aksigorta
This document provides an earnings call presentation summarizing Aksigorta's 2016 fourth quarter and full year financial results. Some key points:
- Aksigorta achieved a profitable growth in 2016, with 17% premium increase and 9% growth excluding MTPL. Net profit was 95 million TL excluding one-off items.
- Combined ratio improved to 98% in 2016 from 101% in 2015, excluding one-offs. UW profit was 138 million TL in 2016 excluding IBNR deferral.
- For 2017, Aksigorta expects 12-14% premium growth, a 1 percentage point improvement in combined ratio to 98%, and 8-10% growth in net profit to 95 million TL.
This document provides trade data for Egypt including exports, imports and trade balance for February 2018 and previous years. Some key highlights:
- Exports in February 2018 were $3 billion, a 10% increase from the previous year. Imports in January 2018 were $4.63 billion, a 13% decrease.
- The largest export categories in 2018 were engineering/electronics, chemicals and building materials. The largest import categories were chemicals, building materials and industrial equipment.
- Egypt's main export partners are the EU, Arab League and USA. Main import partners are the EU, China and USA.
- The trade balance deficit decreased 23% in January 2018 compared to the previous year, to $1.62
The document provides an interim financial report for the six months ended 31 December 2015. It includes financial highlights, a review of the interim period, segmental analysis, and divisional reviews for Supply Chain, Fleet Solutions, and Dealerships. Key figures presented include total revenue of R12.2 billion, operating profit of R883 million, and headline earnings per share of 159 cents. The results showed growth, though SG Coal reported poor performance that impacted the overall Supply Chain Africa segment. Acquisitions in the period included IN tIME and NLC.
Last week, index started on cheerful note after an extended weekend and traded with positive note for first couple of days. However it showed a complete contrasting view on Wednesday due to some developments over the global trade war, resulting pull back in all the major world indices including Dow and HANG SENG futures. In the latter half of the week, market again lifted higher on the back of a smart recovery in US market.
Quarter 3 Motor Industry Review PresentationTeresa Noone
The Society of the Irish Motor Industry (SIMI), in association with DoneDeal, has released their Third Quarter Motor Industry Review for 2014. The Review was compiled by Economist Jim Power using data from Revenue, CSO, NVDF and RSA as well as SIMI and DoneDeal for the first three quarters of 2014 covering sales, job creation, fuel prices and vehicle safety. It also surveyed Motor Industry businesses on issues currently affecting them.
SIMI/DoneDeal Motor Industry Review Q4 2016 Teresa Noone
Wednesday 1st February 2017, the Society of the Irish Motor Industry (SIMI) issued the official 171 car sales figures for January along with presenting their final SIMI/DoneDeal Quarterly Motor Industry Review of 2016. Alan Greene President of SIMI officially launched the report at the Clayton Hotel Dublin 4.
Car sales figures for the month of January show that 171 registrations are -1.7% (39,019) compared to January 2016 (39,722). Light Commercials are currently -2.4% (6,394) compared to January last year (6,555), while HGV (Heavy Goods Vehicle) registrations are -6.3% (456) for January in comparison to the same time last year (487).
The SIMI/DoneDeal Report highlights the strong economic performance of the Motor Industry last year, with growth in registration figures seen across all counties along with the upbeat nature of business confidence and investment reflected in commercial vehicles despite a softening of the market towards the latter half of 2016.
For more information visit www.simi.ie/quarterlyreview
- The document presents financial results for Aksigorta for Q3 2016 and year-to-date 2016, excluding results from mandatory traffic insurance (MTPL) and agriculture products.
- Key metrics like premium production, combined ratio, and net profit improved compared to the same period in 2015 when excluding MTPL and agriculture. The portfolio mix has also been rebalanced with a reduced focus on motor insurance.
- Guidance for full-year 2016 forecasts premium growth of 10-11% and a 1-2 percentage point improvement in combined ratio compared to 2015, excluding MTPL. Net profit is expected to be similar to 2015 levels.
Aksigorta cc presentation_2016_december_2016Aksigorta
This document provides an earnings call presentation summarizing Aksigorta's 2016 fourth quarter and full year financial results. Some key points:
- Aksigorta achieved a profitable growth in 2016, with 17% premium increase and 9% growth excluding MTPL. Net profit was 95 million TL excluding one-off items.
- Combined ratio improved to 98% in 2016 from 101% in 2015, excluding one-offs. UW profit was 138 million TL in 2016 excluding IBNR deferral.
- For 2017, Aksigorta expects 12-14% premium growth, a 1 percentage point improvement in combined ratio to 98%, and 8-10% growth in net profit to 95 million TL.
This document provides trade data for Egypt including exports, imports and trade balance for February 2018 and previous years. Some key highlights:
- Exports in February 2018 were $3 billion, a 10% increase from the previous year. Imports in January 2018 were $4.63 billion, a 13% decrease.
- The largest export categories in 2018 were engineering/electronics, chemicals and building materials. The largest import categories were chemicals, building materials and industrial equipment.
- Egypt's main export partners are the EU, Arab League and USA. Main import partners are the EU, China and USA.
- The trade balance deficit decreased 23% in January 2018 compared to the previous year, to $1.62
The document provides an interim financial report for the six months ended 31 December 2015. It includes financial highlights, a review of the interim period, segmental analysis, and divisional reviews for Supply Chain, Fleet Solutions, and Dealerships. Key figures presented include total revenue of R12.2 billion, operating profit of R883 million, and headline earnings per share of 159 cents. The results showed growth, though SG Coal reported poor performance that impacted the overall Supply Chain Africa segment. Acquisitions in the period included IN tIME and NLC.
Last week, index started on cheerful note after an extended weekend and traded with positive note for first couple of days. However it showed a complete contrasting view on Wednesday due to some developments over the global trade war, resulting pull back in all the major world indices including Dow and HANG SENG futures. In the latter half of the week, market again lifted higher on the back of a smart recovery in US market.
Quarter 3 Motor Industry Review PresentationTeresa Noone
The Society of the Irish Motor Industry (SIMI), in association with DoneDeal, has released their Third Quarter Motor Industry Review for 2014. The Review was compiled by Economist Jim Power using data from Revenue, CSO, NVDF and RSA as well as SIMI and DoneDeal for the first three quarters of 2014 covering sales, job creation, fuel prices and vehicle safety. It also surveyed Motor Industry businesses on issues currently affecting them.
SIMI/DoneDeal Motor Industry Review Q4 2016 Teresa Noone
Wednesday 1st February 2017, the Society of the Irish Motor Industry (SIMI) issued the official 171 car sales figures for January along with presenting their final SIMI/DoneDeal Quarterly Motor Industry Review of 2016. Alan Greene President of SIMI officially launched the report at the Clayton Hotel Dublin 4.
Car sales figures for the month of January show that 171 registrations are -1.7% (39,019) compared to January 2016 (39,722). Light Commercials are currently -2.4% (6,394) compared to January last year (6,555), while HGV (Heavy Goods Vehicle) registrations are -6.3% (456) for January in comparison to the same time last year (487).
The SIMI/DoneDeal Report highlights the strong economic performance of the Motor Industry last year, with growth in registration figures seen across all counties along with the upbeat nature of business confidence and investment reflected in commercial vehicles despite a softening of the market towards the latter half of 2016.
For more information visit www.simi.ie/quarterlyreview
Did Nigerian operators lose US$ 1 Billion in revenues to OTTs in 2019?Christoph Stork
In Nigeria, several publications have made the claim that operators have seen a decline in revenue due to OTTs (see here and here and here). The most common claim is that mobile operators lost over US$ 1 billion in revenue because of WhatsApp, WeChat, Viber, Skype and other OTTs. Following the evidence, the data shows that the opposite is true: the GDP contribution of the telecom sector has increased, subscriber numbers have grown and revenues of the largest two operators have grown. Airtel’s voice traffic increased by 20% in Q4 2019 and voice revenues have increased by 24% between June 2018 and December 2019. None of the claims of revenue loss caused by OTTs are backed by evidence. None of the journalists have corroborated their stories or provided accessible links to their data sources.
Presentation by Economist Jim Power SIMI Quarter 3 Motor Industry Review & Ou...Teresa Noone
The Society of the Irish Motor Industry (SIMI) today launched the SIMI/DoneDeal 3rd Quarter Motor Industry Review at its National Retailers Conference in Killashee House Hotel, Naas Co Kildare. The report which was compiled by Economist Jim Power in association with DoneDeal provides key Industry information on 2015 up to the end of September and comments on the prospects for 2016.
The Irish Motor Industry - an Economic review Q2 2014Teresa Noone
The document provides an overview of the Irish motor industry in the first half of 2014. It notes that new car registrations increased 23.4% year-over-year in H1 2014. Employment in the motor trade is also up. However, the industry remains cautious about the recovery due to its fragility. The document also highlights issues like the aging car fleet in Ireland and the impact of budget 2015 on motoring taxes. In the first half of 2014 alone, the motor industry contributed over €629 million to the Irish exchequer.
SIMI DoneDeal Quarter 2 Motor Industry Review Presentation 2015Teresa Noone
The document provides an overview of the Q2 2015 motor industry review in Ireland. It summarizes key statistics on new car, commercial vehicle, and truck registrations which were up significantly in the first half of 2015 compared to the same period in 2014. It also reviews motor-related employment levels, economic forecasts, and summaries from DoneDeal on online motor advertising traffic and values. Overall the motor industry is seen to be performing strongly in line with the broader economic recovery in Ireland.
SIMIDoneDeal Quarter4 Motor Industry Review for 2014 2nd feb 2015Teresa Noone
2nd February 2015 SIMI Press Conference launched the final SIMI Quarterly Motor Industry Review in association with DoneDeal, revealing the full year results for 2014 and the outlook for 2015.
Wärtsilä Corporation reported financial results for the first three quarters of 2015. Order intake declined 17% to €1,086 million due to challenging market conditions in the energy and marine sectors. Net sales increased 9% to €1,222 million, supported by growth in services. Operational profitability (EBIT) was 13.1% of net sales, in line with expectations. For the full year, Wärtsilä expects net sales growth of 5-10% and an EBIT margin of 12.0-12.5%.
Magnesita reported its 1Q16 results with consolidated revenues down 9% year-over-year to $247 million. Refractory solutions sales declined across all regions, with revenues down 15% to $713 million for the last twelve months. Gross margins increased to 34.1% in 1Q16 from 26.2% in 4Q15 due to cost reduction initiatives. EBITDA excluding other income/expenses was $49 million in 1Q16, up 70% from 4Q15. Working capital as a percentage of annualized quarterly sales was 27.2% in 1Q16.
Sales Increase 13% in Original Currency
Operating Income Rises 3% Compared to 2014 First Quarter
Reaffirms 2015 Guidance; Sales Expected to Reach $1,065 Million-$1,085 Million and
Full-Year EPS Expected to Reach $1.88-2.00
The 3Q14 earnings call presentation summarizes Magnesita's financial performance for the third quarter of 2014. Revenues increased 10% year-over-year to R$647 million driven by sales growth in both the steel and industrial segments. EBITDA grew 31% to R$100 million and net income improved from a loss of R$22 million to a loss of R$18 million compared to the prior year period. The company maintained a strong balance sheet with a net debt to EBITDA ratio of 2.1x.
- Terna reported its consolidated financial results for fiscal year 2015, with total revenues increasing 4.3% to €2,082 million driven by growth in both regulated and non-regulated activities. EBITDA rose 3.2% to €1,539 million.
- Key highlights included record electricity demand of 315 TWh and a peak demand of 59.4 GW. Renewable energy sources accounted for 40% of total generation.
- Total capex was €1,103 million, with €834 million spent on network development and €201 million on maintenance. Net debt increased to €8,003 million due to acquisitions and dividend payments.
Terna reported its consolidated results for the first half of 2016. Revenues increased 3.8% to €1,040 million driven by higher regulated transmission activities. EBITDA rose 1.4% to €777 million and group net income increased 4.8% to €325 million. Total capex was €347 million, down from €439 million in 1H15. Net debt was €8.172 billion as of June 30, 2016. For the full year 2016, Terna expects EBITDA of approximately €1.53 billion, EPS of around €0.29, and capex of approximately €0.9 billion.
Growing fiscal space in Zambia is poised to relieve monetary policy pressures and help drive economic growth. Revenue collection exceeded targets in January 2018 allowing greater potential for government spending. However, risks remain from high lending rates and volatility in copper prices, which could impact the outlook.
The ISG Index™ provides a quarterly review of the state of the Global IT Services Market, covering both the traditional sourcing market and the fast-growing as-a-service (Infrastructure-as-a-Service and Software-as-a-Service) market. We cover data and trends for clients, service providers, analysts and the media. For more than a decade, it has been the authoritative source for marketplace intelligence related to outsourcing transaction structures and terms, industry adoption, geographic prevalence and service provider performance.
The document summarizes economic indicators in Iran from 2011 to mid-2016. It shows that Iran's manufacturing sector slowed in recent years, with the production index lower than 2011 levels. Oil production and exports reversed their downward trend in 2015-2016, growing 5.5% and 9.8% respectively, although remaining below pre-sanctions levels. The non-oil trade deficit improved, reaching a record low in 2015-2016 due to lower imports, though non-oil exports also declined from their 2014 peak.
Magnesita reported its financial results for the first quarter of 2015. Revenue increased 11% year-over-year to R$806 million due to growth in refractory solutions sales. Gross profit margin improved to 33.3% from 32.1% in the prior year. EBITDA excluding non-recurring items was R$142 million, up 37% compared to the first quarter of 2014. Net loss was R$27 million compared to a R$17 million loss in the first quarter last year. Capex totaled R$73 million for the quarter.
Terna reported its consolidated results for the first half of 2015. Revenues increased 5.5% to €1,002 million driven by growth in regulated transmission activities. Net profit was up 13.1% to €310 million due to cost control and lower taxes. Capex totaled €439 million, focusing on development projects to support grid infrastructure. Net debt was €6,876 million and key financial metrics were in line with targets.
- Rockwell Automation reported financial results for its fiscal 2016 fourth quarter and full year. For the quarter, organic sales were down 4.0% year-over-year due to declines in the US, Canada, and Control Products & Solutions segment. Adjusted EPS was $1.52, down from $1.57 in the prior year quarter.
- For the full fiscal year, organic sales were down 3.9% due to weakness in US, Canada, EMEA, and Asia Pacific regions. Adjusted EPS was $5.93, down from $6.40 the previous year.
- The company provided guidance for fiscal 2017 of 0-4% organic sales growth and adjusted EPS between
Umat Islam dituntut untuk mengambil sikap pertengahan (wasathan) dalam beragama, yaitu tidak berlebihan maupun meringankan agama. Rasulullah bersabda bahwa orang yang berlebihan dalam beragama telah binasa, sedangkan yang selalu meringankan agama cenderung mengikuti hawa nafsu. Umat Islam harus mengambil jalan tengah sesuai ajaran agama.
Did Nigerian operators lose US$ 1 Billion in revenues to OTTs in 2019?Christoph Stork
In Nigeria, several publications have made the claim that operators have seen a decline in revenue due to OTTs (see here and here and here). The most common claim is that mobile operators lost over US$ 1 billion in revenue because of WhatsApp, WeChat, Viber, Skype and other OTTs. Following the evidence, the data shows that the opposite is true: the GDP contribution of the telecom sector has increased, subscriber numbers have grown and revenues of the largest two operators have grown. Airtel’s voice traffic increased by 20% in Q4 2019 and voice revenues have increased by 24% between June 2018 and December 2019. None of the claims of revenue loss caused by OTTs are backed by evidence. None of the journalists have corroborated their stories or provided accessible links to their data sources.
Presentation by Economist Jim Power SIMI Quarter 3 Motor Industry Review & Ou...Teresa Noone
The Society of the Irish Motor Industry (SIMI) today launched the SIMI/DoneDeal 3rd Quarter Motor Industry Review at its National Retailers Conference in Killashee House Hotel, Naas Co Kildare. The report which was compiled by Economist Jim Power in association with DoneDeal provides key Industry information on 2015 up to the end of September and comments on the prospects for 2016.
The Irish Motor Industry - an Economic review Q2 2014Teresa Noone
The document provides an overview of the Irish motor industry in the first half of 2014. It notes that new car registrations increased 23.4% year-over-year in H1 2014. Employment in the motor trade is also up. However, the industry remains cautious about the recovery due to its fragility. The document also highlights issues like the aging car fleet in Ireland and the impact of budget 2015 on motoring taxes. In the first half of 2014 alone, the motor industry contributed over €629 million to the Irish exchequer.
SIMI DoneDeal Quarter 2 Motor Industry Review Presentation 2015Teresa Noone
The document provides an overview of the Q2 2015 motor industry review in Ireland. It summarizes key statistics on new car, commercial vehicle, and truck registrations which were up significantly in the first half of 2015 compared to the same period in 2014. It also reviews motor-related employment levels, economic forecasts, and summaries from DoneDeal on online motor advertising traffic and values. Overall the motor industry is seen to be performing strongly in line with the broader economic recovery in Ireland.
SIMIDoneDeal Quarter4 Motor Industry Review for 2014 2nd feb 2015Teresa Noone
2nd February 2015 SIMI Press Conference launched the final SIMI Quarterly Motor Industry Review in association with DoneDeal, revealing the full year results for 2014 and the outlook for 2015.
Wärtsilä Corporation reported financial results for the first three quarters of 2015. Order intake declined 17% to €1,086 million due to challenging market conditions in the energy and marine sectors. Net sales increased 9% to €1,222 million, supported by growth in services. Operational profitability (EBIT) was 13.1% of net sales, in line with expectations. For the full year, Wärtsilä expects net sales growth of 5-10% and an EBIT margin of 12.0-12.5%.
Magnesita reported its 1Q16 results with consolidated revenues down 9% year-over-year to $247 million. Refractory solutions sales declined across all regions, with revenues down 15% to $713 million for the last twelve months. Gross margins increased to 34.1% in 1Q16 from 26.2% in 4Q15 due to cost reduction initiatives. EBITDA excluding other income/expenses was $49 million in 1Q16, up 70% from 4Q15. Working capital as a percentage of annualized quarterly sales was 27.2% in 1Q16.
Sales Increase 13% in Original Currency
Operating Income Rises 3% Compared to 2014 First Quarter
Reaffirms 2015 Guidance; Sales Expected to Reach $1,065 Million-$1,085 Million and
Full-Year EPS Expected to Reach $1.88-2.00
The 3Q14 earnings call presentation summarizes Magnesita's financial performance for the third quarter of 2014. Revenues increased 10% year-over-year to R$647 million driven by sales growth in both the steel and industrial segments. EBITDA grew 31% to R$100 million and net income improved from a loss of R$22 million to a loss of R$18 million compared to the prior year period. The company maintained a strong balance sheet with a net debt to EBITDA ratio of 2.1x.
- Terna reported its consolidated financial results for fiscal year 2015, with total revenues increasing 4.3% to €2,082 million driven by growth in both regulated and non-regulated activities. EBITDA rose 3.2% to €1,539 million.
- Key highlights included record electricity demand of 315 TWh and a peak demand of 59.4 GW. Renewable energy sources accounted for 40% of total generation.
- Total capex was €1,103 million, with €834 million spent on network development and €201 million on maintenance. Net debt increased to €8,003 million due to acquisitions and dividend payments.
Terna reported its consolidated results for the first half of 2016. Revenues increased 3.8% to €1,040 million driven by higher regulated transmission activities. EBITDA rose 1.4% to €777 million and group net income increased 4.8% to €325 million. Total capex was €347 million, down from €439 million in 1H15. Net debt was €8.172 billion as of June 30, 2016. For the full year 2016, Terna expects EBITDA of approximately €1.53 billion, EPS of around €0.29, and capex of approximately €0.9 billion.
Growing fiscal space in Zambia is poised to relieve monetary policy pressures and help drive economic growth. Revenue collection exceeded targets in January 2018 allowing greater potential for government spending. However, risks remain from high lending rates and volatility in copper prices, which could impact the outlook.
The ISG Index™ provides a quarterly review of the state of the Global IT Services Market, covering both the traditional sourcing market and the fast-growing as-a-service (Infrastructure-as-a-Service and Software-as-a-Service) market. We cover data and trends for clients, service providers, analysts and the media. For more than a decade, it has been the authoritative source for marketplace intelligence related to outsourcing transaction structures and terms, industry adoption, geographic prevalence and service provider performance.
The document summarizes economic indicators in Iran from 2011 to mid-2016. It shows that Iran's manufacturing sector slowed in recent years, with the production index lower than 2011 levels. Oil production and exports reversed their downward trend in 2015-2016, growing 5.5% and 9.8% respectively, although remaining below pre-sanctions levels. The non-oil trade deficit improved, reaching a record low in 2015-2016 due to lower imports, though non-oil exports also declined from their 2014 peak.
Magnesita reported its financial results for the first quarter of 2015. Revenue increased 11% year-over-year to R$806 million due to growth in refractory solutions sales. Gross profit margin improved to 33.3% from 32.1% in the prior year. EBITDA excluding non-recurring items was R$142 million, up 37% compared to the first quarter of 2014. Net loss was R$27 million compared to a R$17 million loss in the first quarter last year. Capex totaled R$73 million for the quarter.
Terna reported its consolidated results for the first half of 2015. Revenues increased 5.5% to €1,002 million driven by growth in regulated transmission activities. Net profit was up 13.1% to €310 million due to cost control and lower taxes. Capex totaled €439 million, focusing on development projects to support grid infrastructure. Net debt was €6,876 million and key financial metrics were in line with targets.
- Rockwell Automation reported financial results for its fiscal 2016 fourth quarter and full year. For the quarter, organic sales were down 4.0% year-over-year due to declines in the US, Canada, and Control Products & Solutions segment. Adjusted EPS was $1.52, down from $1.57 in the prior year quarter.
- For the full fiscal year, organic sales were down 3.9% due to weakness in US, Canada, EMEA, and Asia Pacific regions. Adjusted EPS was $5.93, down from $6.40 the previous year.
- The company provided guidance for fiscal 2017 of 0-4% organic sales growth and adjusted EPS between
Umat Islam dituntut untuk mengambil sikap pertengahan (wasathan) dalam beragama, yaitu tidak berlebihan maupun meringankan agama. Rasulullah bersabda bahwa orang yang berlebihan dalam beragama telah binasa, sedangkan yang selalu meringankan agama cenderung mengikuti hawa nafsu. Umat Islam harus mengambil jalan tengah sesuai ajaran agama.
This short document promotes creating presentations using Haiku Deck on SlideShare. It encourages the reader to get started making their own Haiku Deck presentation by providing a button to click to begin the process. The document is advertising the creation of presentations on Haiku Deck and SlideShare.
Investment and Advice Services for Not-for-Profit OrganisationsChad Brendish
This document provides an overview of Morgan Stanley Wealth Management's investment and advisory services for not-for-profit organizations. It discusses building foundations for success through professional investment management, outlines their disciplined advice and robust investment processes, and describes their capabilities in sustainable investing, governance, reporting, and outsourced expertise to support not-for-profit clients.
The document provides financial results for Aksigorta's first quarter of 2016 compared to the same period in 2015. Some key points:
- Excluding the mandatory traffic insurance (MTPL) product, gross written premiums grew 10% and net profit was stable at 23 million TL.
- The combined ratio excluding MTPL improved slightly to 95% from 97% due to a 2 percentage point decrease.
- Regulatory changes are expected to decrease MTPL prices while standardized pricing may be introduced. The Competition Board is investigating insurers for alleged anti-competitive practices regarding MTPL.
- For 2016, Aksigorta forecasts around 15% gross premium growth and a 1-2 percentage point combined ratio improvement excluding MTPL
This resume summarizes Amaresh Prasad Sahoo's experience working as a Senior Software Engineer for various companies in Bangalore, India since 2010. He has 6+ years of experience designing and developing Java/J2EE web applications. Some of his skills and technologies used include Java, J2EE, Spring, Hibernate, JavaScript, Oracle, MySQL, XML, and more. He holds a B.Tech in IT and seeks a position that allows him to utilize and enhance his skills in information technology.
The document describes a music magazine called "Codeine" that will target teenagers aged 11-19 and feature genres like hip-hop, rap, and R&B. It will be published monthly and include advertisements, interviews with popular artists, and information about concerts and new albums/songs. The magazine aims to appeal to its target audience by including posters and details about music-related events and releases that teenagers can experience. Potential article topics include exclusive interviews and behind-the-scenes stories about the music industry. The magazine will promote the success and faith of featured musicians as examples to inspire readers. The magazine cover will use a bold design with "Codeine" in large capital letters and an image of a posed person surrounded by graphics
Majalah Mulia awalnya dikelola secara desentralisasi oleh beberapa cabang BMH seperti Surabaya dan Balikpapan. Setelah sentralisasi, majalah-majalah dari cabang digabung menjadi media nasional BMH. Saat ini rata-rata oplah Majalah Mulia 55 ribu eksemplar per bulan yang tersebar di 26 provinsi dengan pembaca lebih dari 200 ribu orang. Majalah ini memiliki potensi untuk membangun ekonomi umat den
This document provides information on semi-finished products available from Reichelt Chemietechnik GmbH + Co, including tapes, foils, plates, wires, rods, pipes, cords, and profiles made from various materials such as elastomers, plastics, glass fiber, ceramic, metals, and foam rubbers. The document consists of product descriptions, specifications, and ordering information for each type of semi-finished product.
1) Recent advances in the treatment of thrombotic disorders include new oral anticoagulants and antiplatelet agents that have improved pharmacokinetic profiles compared to previous drugs.
2) Several new oral anticoagulants that directly inhibit thrombin or Factor Xa are in late-stage clinical trials and some have been approved for uses such as stroke prevention in atrial fibrillation.
3) New antiplatelet drugs targeting the PAR-1 receptor or with rapid onset/offset profiles are also being studied but some have been associated with increased bleeding risks.
O documento apresenta informações sobre diferentes movimentos artísticos europeus do início do século XX, incluindo Expressionismo, Fauvismo, Cubismo, Abstracionismo, Surrealismo e Futurismo. Detalha obras emblemáticas de cada movimento, como O Grito de Munch, A Dança de Matisse e Dinamismo de um Cão na Coleira de Balla. Fornece também características e objetivos de cada estilo pictórico.
The typical solution to create a brand-book will allow you to save not only your money but also the time when you create a brand book for your company.
Sacar buenas notas en todos los bimestres para compensar una mala nota en algún periodo y así mantener un promedio alto. El documento ofrece un ejemplo de calificaciones en matemáticas y español durante dos bimestres y el promedio parcial.
Numbers es una aplicación de hoja de cálculo desarrollada por Apple como parte de su suite de productividad iWork. Fue anunciada por primera vez en 1998 y ha tenido varias versiones hasta la más reciente 4.0.5 lanzada en 2016, funcionando en sistemas Mac OS. Ofrece una interfaz principal para crear y editar hojas de cálculo de manera similar a aplicaciones como Excel.
Majalah Hidayatullah, Media dakwah yang terbit setiap awal bulan. Untuk membangun semangat ukhuwwah muslimin dunia dengan landasan AQIDAH ISLAM yang kokoh
This document summarizes the financial results of Aksigorta for the second quarter of 2016. Excluding the MTPL product line, Aksigorta saw 13% growth in gross premiums written, a 3 percentage point improvement in combined ratio to 94%, and a 13% increase in net profit compared to the same period last year. Key metrics such as combined ratio, underwriting margin and net profit excluding MTPL continued to improve according to the strategic plan. The presentation provides details on financial results, balance sheet information, investment portfolio allocation and full year 2016 guidance.
This document provides an earnings presentation for Aksigorta's 2018 first quarter results. Some key points:
- Premiums grew 17% in the overall market and 51% for Aksigorta, driven by growth in motor insurance.
- Aksigorta achieved a 94% combined ratio, 51 million TL in net profit (104% growth), and 61 million TL in underwriting profit (86% growth).
- The investment portfolio increased 6% to 1.574 billion TL, with an average yield of 15.5%.
- Guidance for 2018 forecasts 25-30% premium growth and 45-50% net profit growth for Aksigorta.
The document summarizes Aksigorta's financial results for the first quarter of 2015. Key points include:
- Net loss of TL 140 million for Q1 2015 due to a TL 183 million adjustment to increase motor third-party liability (MTPL) claim provisions.
- Excluding MTPL, Q1 2015 net profit was TL 24 million and combined ratio was 97%.
- New regulations effective in 2015 required insurers to book incurred but not reported (IBNR) claims, significantly impacting MTPL provisions.
- Guidance for 2015 forecasts 9-12% gross written premium growth excluding MTPL, a 1-2 percentage point improvement in combined ratio also excluding MTPL, and over 50% growth
Aksigorta - June 2015 - Conference Call PresentationAksigorta
This document provides an earnings call presentation for Aksigorta for the 2015 Q2 financial results. Some key points:
- Gross written premiums decreased 6% year-over-year excluding MTPL business and one-off claims.
- The combined ratio was 98% excluding MTPL and one-off claims, an improvement of 1 percentage point.
- Net profit was 45 million TL excluding MTPL and one-off claims, up 36% from the prior year.
- The non-motor business portfolio share increased to 55% of total premiums, up 9 percentage points.
- Guidance for the second half of 2015 forecasts a combined ratio of 94-95% and net profit of 60-65
SAP reported its third quarter and first nine months 2016 results. Total revenue for Q3 2016 increased 8% year-over-year to €5.4 billion, driven by strong growth in cloud subscriptions and support revenue of 28%. Cloud subscriptions and support backlog grew 45% year-over-year to €3.7 billion. Non-IFRS operating profit increased 1% to €1.6 billion for Q3 2016. SAP reiterated its full year 2016 outlook for cloud subscriptions and support revenue growth of 28-32% and non-IFRS operating profit of €6.05-6.15 billion.
Aksigorta's financial results for Q3 2015 were in line with its strategic plan. Excluding one-time claims and its mandatory traffic insurance (MTPL) business, gross written premiums declined 1% year-over-year for Q3 and year-to-date, while the combined ratio was around 98-99% and net profit was 70 million TL. For Q4 2015, excluding MTPL, the company expects gross written premiums to grow 8-10% year-over-year and the combined ratio to be around 92-93%, resulting in a 10-20% increase in net profit.
The document summarizes Generali Group's 1Q 2016 financial results. Key highlights include:
- Operating result decreased 12.3% to €1,163 million due to lower realized investment gains.
- Net result decreased 13.8% to €588 million, following the trend of the operating result.
- Shareholders' equity increased 5.8% to €24.9 billion due to higher unrealized gains and the quarter's result.
- Solvency II ratio (internal model view) was 188%, down from 202% at year-end 2015.
This document provides an overview and results for HeidelbergCement for 2016. Key points include:
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- Results were mixed by region, with strong growth in North America offset by pressure in Southern Europe and weather impacts elsewhere. Integration of Italcementi assets is ongoing.
- An outlook for 2017 forecasts continued volume growth, with a focus on cost efficiency and improving profitability of recently acquired assets. Net debt is expected to remain below €9 billion.
LafargeHolcim reported first quarter 2016 results with overall pricing up 2.1% from Q4 2015 excluding India. Synergies of CHF 104 million were realized, putting them on track to exceed the CHF 450 million target for 2016. The company expects to deliver at least high single digit like-for-like adjusted operating EBITDA growth in 2016.
4Q16/2016 Results Presentation - CPFL EnergiaCPFL RI
This document provides a summary of 4Q16 and full year 2016 results for CPFL Energia. Some key highlights include:
- Sales increased 6.8% in 4Q16 and decreased 3.3% excluding a new acquisition. Load decreased 3.3% excluding the acquisition.
- EBITDA decreased 15.7% in 4Q16 and 0.4% for the full year, driven by lower distribution results due to regulatory and market factors.
- Net income decreased 62.2% in 4Q16 and was flat for the full year, impacted by higher financial expenses from debt and exchange rate variations.
- The company maintained strong financial metrics with leverage of 3.21x net debt/
- Finmeccanica reported strong financial results for the first 9 months of 2015, with a 44.7% increase in EBITA to €745 million and a positive net result of €122 million compared to a net loss in the prior year.
- Most sectors performed well with improvements in orders, revenues, and profitability compared to the previous year. Notably, Selex ES and DRS showed significant increases in EBITA.
- The company reaffirmed its guidance for the full year with expectations to meet or exceed targets for orders, revenues, EBITA, free operating cash flow, and net debt.
Marico 1QFY15 results ahead of expectations; buy - Motilal OswalIndiaNotes.com
Marico reported first quarter results for fiscal year 2015 that were ahead of expectations. Net sales grew 17.4% driven by strong growth in Parachute coconut oil due to price hikes to offset higher input costs. While gross margins contracted due to rising copra prices, savings in other expenses helped limit the decline in operating margins. The company maintained its medium term strategy of doubling revenues in four years.
HeidelbergCement reported its 2015 full year results and 2016 outlook. Key points:
- 2015 was the best year since the financial crisis with EBITDA up 14% to €2.6 billion and group profit up 65% to €800 million.
- Net debt was reduced to €5.3 billion, significantly below the target of 2.5x leverage.
- The Italcementi acquisition remains on track with synergy potential increased to €400 million.
- Outlook for 2016 is for mid to high single digit organic growth in revenues, EBITDA, and operating income.
Entertainment Network Ltd: Stock Price & Q4 Results Of Entertainment Network ...hdfcsecurities1
Entertainment Network Limited: Check out the institutional research report of Q4 result of Entertainment Network Ltd. ENIL’s 4QFY18 was in-line but muted. Revenue declined 3.7% YoY owing to high base and cut in ad volumes.
This document is a company update report by Anand Rathi Research on KPIT Technologies. It provides an overview of KPIT's financial performance in the first quarter of FY2018, with revenue growth of 5.6% quarter-over-quarter and 12.2% year-over-year. While margins declined due to increased headcount and currency movements, margins are expected to improve in the second half of FY2018 as utilization increases. The report maintains a "Buy" rating on KPIT Technologies with a revised target price of Rs. 175.
The document discusses Urgo Group's strategy to enter the Latin American healthcare market, specifically in Brazil, Mexico, Chile, and Colombia. It analyzes acquiring a Brazilian company, LM FARMA, as the fastest way to overcome barriers to the Brazilian market related to tax, customs, regulatory, commercial, and financial complexity. The acquisition provided national manufacturing capabilities, regulatory certifications, a distribution network, and brand equity. Alternative scenarios of starting from scratch or using a distributor were found to have significantly lower financial projections.
Elringklinger - Conference Call Q1 2014 Presentation Company Spotlight
Group sales were up 15.3% in Q1 2014 compared to Q1 2013, with organic growth of 13.4%. EBIT increased 28.4% to EUR 42.1 million despite higher expenses. The exhaust abatement division performed strongly with sales up 9.7% and EBIT increasing to EUR 7.7 million. For 2014, the company expects overall car production to increase 2-3% worldwide and guides for sales growth of 5-7% and adjusted EBIT of EUR 160-165 million.
The document summarizes financial information for a Brazilian pharmaceutical company for the third quarter of 2016. It reported consolidated gross revenues of R$1.367 billion for the quarter, a 3.7% increase year-over-year. The retail segment saw a 1.9% decrease in EBITDA compared to the previous year. Specialties sales increased 19.9% year-over-year while distribution sales grew 3.0%. The company's net debt to EBITDA ratio was 3.1x for the quarter.
- Leonardo delivered strong results in the first 9 months of 2016 despite challenging market conditions, with record new orders of €15.5 billion driven by the €7.95 billion Eurofighter contract for Kuwait.
- Profitability improved with net income more than doubling to €343 million, supported by lower financial expenses.
- The company expects continued good performance in the fourth quarter and remains on track to meet full-year guidance.
The document provides an overview of Thiensurat Group's business, financial highlights for Q1 2017, and outlook for 2017. Key highlights include total revenues of 456 million baht for Q1 2017, a focus on expanding electric appliance sales and improving debt collection, and targets for 2017 including decreasing bad debts and increasing total revenues to 2,000 million baht.
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21. Contact Information & Disclaimer
21
For further information please contact with;
(Mr.) Osman Akkoca, Financial Control Manager
(T) +90 216 280 88 88
investor.relations@aksigorta.com.tr
www.aksigorta.com.tr/en/yatirimci_iliskileri.php
Poligon Cad. Buyaka 2 Sitesi No:8, Kule:1, Kat:6 34771 Ümraniye İstanbul Türkiye
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