This document provides a statistical supplement with financial information for Ameriprise Financial, Inc. for the third quarter of 2006. It includes consolidated income statements, adjusted segment information, managed assets, financial advisor metrics, revenues, expenses, earnings, margins and other financial details. Key highlights include adjusted earnings per share of $0.94, a 29% increase from the prior year, and total owned, managed and administered assets of $440 billion, a 5% increase.
This document provides financial information for Ameriprise Financial, Inc. for the fourth quarter of 2006. It includes consolidated income statements, adjusted consolidated income statements, financial metrics, segment information, and explanatory notes. Some key figures include total revenues of $2.16 billion for Q4 2006, a 16% increase from Q4 2005. Net income was $171 million for Q4 2006, a 54% increase from Q4 2005. Adjusted earnings per share increased 34% to $1.03 for Q4 2006 compared to $0.77 for Q4 2005.
This document provides a statistical supplement with financial information for Ameriprise Financial, Inc. for the second quarter of 2006. It includes:
- Consolidated income statements and adjusted income statements excluding certain items
- Financial metrics and targets for revenue growth, earnings growth, and return on equity
- Information on managed assets, financial advisors, debt ratios, and other business metrics
- Segment income statements and selected financial details for the asset accumulation, protection, and corporate segments
The document contains financial summaries, income statements, business metrics, ratios and other key performance indicators to provide an overview of Ameriprise's financial performance and position in the second quarter of 2006.
This statistical supplement from Ameriprise Financial provides key financial metrics and information for the first quarter of 2006 compared to previous periods. Some highlights include:
- Revenue increased 6% to $1.949 billion from the prior year period, while income before taxes was relatively flat.
- Adjusted earnings increased 17% to $189 million, excluding one-time items.
- Total client assets under management or administration grew 11% to $446 billion.
- The number of financial advisors was relatively unchanged at 12,339.
coca cola Reconciliation of Non-GAAP Financial Measuresfinance9
The document provides reconciliations of non-GAAP financial measures to GAAP measures for the Coca-Cola Company for years 1998-2003. It explains that management believes certain non-GAAP measures can provide a more meaningful reflection of underlying business trends by excluding items that impact comparability. The reconciliations adjust operating income and diluted EPS for currency impacts, impairments, accounting changes, and restructuring charges to show "ongoing" or "adjusted" results.
This document summarizes Northrop Grumman's Q3 2008 financial results. It highlights increases in sales, earnings per share, cash from operations, and new business awards compared to Q3 2007. The CEO also notes share repurchases, a record backlog, opportunities for growth, and raised guidance for full year EPS. Updates are provided on major defense programs and milestones. The CFO discusses the company's liquidity, risk mitigation efforts, and negotiating better contracts. Projections for full year 2008 sales, margins, cash flow, and earnings are included. Potential impacts of market declines on 2009 pension expenses are also estimated.
- The document provides AES Corporation's third quarter 2006 financial review, including highlights and guidance updates.
- Key highlights include a 14% increase in revenues year-over-year due to higher prices and new projects. Gross margin increased 9% while income before taxes declined 114% due to losses on asset sales related to restructuring.
- Guidance for 2006 was updated, with revenue growth expected at 9-10% and adjusted EPS estimated at $1.09, up from the prior guidance of $1.01.
New World Chemicals' financial manager must prepare a formal financial forecast for 2009. The manager's initial forecast assumed key ratios would remain unchanged and sales would increase 25% based on marketing projections. However, consulting with managers revealed the company was operating slightly below capacity in 2008. The final forecast incorporates lower receivables and inventories based on improved management systems, and a new facility increasing fixed assets to $700 million due to projected growth requiring expanded capacity. Ratios in the final forecast show improvement over 2008 and the initial forecast, but most remain below industry averages, indicating room for further improvement in the company's financial position.
The document is Unum Group's statistical supplement for the fourth quarter of 2008. It includes financial highlights, income statements, sales data, balance sheets, and segment results for Unum US, Unum UK, Colonial Life, Individual Disability - Closed Block, and Corporate. Some key figures are total revenue of $2.3 billion for Q4 2008 and $10 billion for full year 2008, net income of $41.8 million for Q4 2008 and $553.2 million for full year 2008, and premium income of $1.9 billion for Q4 2008 and $7.8 billion for full year 2008. Sales increased 6% in Q4 2008 compared to Q4 2007, led by a 12
This document provides financial information for Ameriprise Financial, Inc. for the fourth quarter of 2006. It includes consolidated income statements, adjusted consolidated income statements, financial metrics, segment information, and explanatory notes. Some key figures include total revenues of $2.16 billion for Q4 2006, a 16% increase from Q4 2005. Net income was $171 million for Q4 2006, a 54% increase from Q4 2005. Adjusted earnings per share increased 34% to $1.03 for Q4 2006 compared to $0.77 for Q4 2005.
This document provides a statistical supplement with financial information for Ameriprise Financial, Inc. for the second quarter of 2006. It includes:
- Consolidated income statements and adjusted income statements excluding certain items
- Financial metrics and targets for revenue growth, earnings growth, and return on equity
- Information on managed assets, financial advisors, debt ratios, and other business metrics
- Segment income statements and selected financial details for the asset accumulation, protection, and corporate segments
The document contains financial summaries, income statements, business metrics, ratios and other key performance indicators to provide an overview of Ameriprise's financial performance and position in the second quarter of 2006.
This statistical supplement from Ameriprise Financial provides key financial metrics and information for the first quarter of 2006 compared to previous periods. Some highlights include:
- Revenue increased 6% to $1.949 billion from the prior year period, while income before taxes was relatively flat.
- Adjusted earnings increased 17% to $189 million, excluding one-time items.
- Total client assets under management or administration grew 11% to $446 billion.
- The number of financial advisors was relatively unchanged at 12,339.
coca cola Reconciliation of Non-GAAP Financial Measuresfinance9
The document provides reconciliations of non-GAAP financial measures to GAAP measures for the Coca-Cola Company for years 1998-2003. It explains that management believes certain non-GAAP measures can provide a more meaningful reflection of underlying business trends by excluding items that impact comparability. The reconciliations adjust operating income and diluted EPS for currency impacts, impairments, accounting changes, and restructuring charges to show "ongoing" or "adjusted" results.
This document summarizes Northrop Grumman's Q3 2008 financial results. It highlights increases in sales, earnings per share, cash from operations, and new business awards compared to Q3 2007. The CEO also notes share repurchases, a record backlog, opportunities for growth, and raised guidance for full year EPS. Updates are provided on major defense programs and milestones. The CFO discusses the company's liquidity, risk mitigation efforts, and negotiating better contracts. Projections for full year 2008 sales, margins, cash flow, and earnings are included. Potential impacts of market declines on 2009 pension expenses are also estimated.
- The document provides AES Corporation's third quarter 2006 financial review, including highlights and guidance updates.
- Key highlights include a 14% increase in revenues year-over-year due to higher prices and new projects. Gross margin increased 9% while income before taxes declined 114% due to losses on asset sales related to restructuring.
- Guidance for 2006 was updated, with revenue growth expected at 9-10% and adjusted EPS estimated at $1.09, up from the prior guidance of $1.01.
New World Chemicals' financial manager must prepare a formal financial forecast for 2009. The manager's initial forecast assumed key ratios would remain unchanged and sales would increase 25% based on marketing projections. However, consulting with managers revealed the company was operating slightly below capacity in 2008. The final forecast incorporates lower receivables and inventories based on improved management systems, and a new facility increasing fixed assets to $700 million due to projected growth requiring expanded capacity. Ratios in the final forecast show improvement over 2008 and the initial forecast, but most remain below industry averages, indicating room for further improvement in the company's financial position.
The document is Unum Group's statistical supplement for the fourth quarter of 2008. It includes financial highlights, income statements, sales data, balance sheets, and segment results for Unum US, Unum UK, Colonial Life, Individual Disability - Closed Block, and Corporate. Some key figures are total revenue of $2.3 billion for Q4 2008 and $10 billion for full year 2008, net income of $41.8 million for Q4 2008 and $553.2 million for full year 2008, and premium income of $1.9 billion for Q4 2008 and $7.8 billion for full year 2008. Sales increased 6% in Q4 2008 compared to Q4 2007, led by a 12
UnumProvident Statistical Supplement Third Quarter 2005
- Provides financial highlights and statistics for UnumProvident for Q3 2005, the first three quarters of 2005, and full years 2004-2002.
- Premium income was $1.952 billion for Q3 2005. Net income was $52.6 million which included charges related to a settlement agreement and income tax benefits.
- Assets were $51.147 billion as of Q3 2005 and stockholders' equity was $7.238 billion.
- Sales of fully insured products in the U.S. Brokerage segment increased 4.3% in Q3 2005 compared to Q3 2004, while ASO products sales increased significantly.
The document provides an overview of AES Corporation's financial results for the first quarter of 2006. Some key highlights include revenues increasing 13% to $3.013 billion compared to the same period in 2005, driven largely by higher prices and currency effects. Income before taxes and minority interest increased 68% to $633 million. Diluted earnings per share from continuing operations were $0.52 compared to $0.19 in the prior year. Segment results were positively impacted by higher demand and prices across most business lines.
This document provides details on Celanese Corporation's second quarter 2006 earnings conference call, including an agenda with the CEO and CFO as speakers. It also provides financial highlights for Q2 2006 such as an 11% increase in net sales and an 18% rise in operating EBITDA. Celanese issues guidance for full year 2006 of adjusted EPS between $2.50-$2.80.
- GM reported preliminary first quarter 2007 results with GAAP EPS of $0.11 and adjusted EPS of $0.17.
- Adjusted total automotive results improved $0.3 billion versus Q1 2006 driven by improved results at GMNA, GMLAAM, and GMAP.
- GMAC reported a net loss of $115 million compared to net income of $495 million in Q1 2006 due to continued weakness in its mortgage business.
This document provides a statistical supplement for UnumProvident Corporation for the second quarter of 2006. It includes financial highlights and consolidated statements of operations, balance sheets, and sales data. Some key details are:
- For the second quarter of 2006, total revenue was $2.67 billion and net income was $125.2 million.
- Premium income for the first six months of 2006 was $3.96 billion and net income was $198.6 million.
- Financial sales data shows growth in most product lines for the U.S. Brokerage segment compared to the second quarter and first six months of 2005.
This document provides an overview and estimates for MetLife's 4th quarter 2008 results and full year 2008 results. It also reviews MetLife's 2009 plan and discusses key topics such as their variable annuities business and GMIB rider liability. Some of the key points include estimated operating earnings of ($50)-$150 million for Q4 2008, realized gains of $1,200-$1,800 million, and an operating EPS estimate of $3.50-$3.75 for full year 2008. The 2009 plan projects operating earnings of $2,920-$3,250 million and an adjusted operating EPS of $3.60-$4.00. MetLife also discusses their hedging activities and disputes analyses claiming a
The document is a statistical supplement from UnumProvident for the third quarter of 2006 that includes financial highlights and statistics for the company. Some key details from the financial highlights include:
- For the third quarter of 2006, UnumProvident reported a net loss of $63.7 million compared to net income of $52.6 million for the same quarter the previous year.
- For the first nine months of 2006, UnumProvident reported net income of $134.9 million compared to $376.1 million for the same period in 2005.
- Total assets for UnumProvident as of September 30, 2006 were $52.2 billion, up slightly from $51.1 billion at
- Goodrich Corporation reported fourth quarter 2006 results with sales growth of 10% and segment operating margin increase from 11.2% to 12.5% compared to fourth quarter 2005.
- Net income per diluted share was $0.78, reflecting 39% growth including tax adjustments and stock-based compensation expenses.
- For full year 2006, sales grew 9% and segment operating margin increased from 11.5% to 13.0% compared to full year 2005. Net income per diluted share grew 79%.
This document provides a statistical supplement for UnumProvident Corporation's second quarter 2005 financial results, adjusted to reflect new segment reporting implemented in the third quarter of 2005. It includes key financial highlights such as total premium income of $1.94 billion for the quarter. The supplement presents financial data and statistics for the quarter and year to date by business segment, including income statements, balance sheets, investment portfolios, and statutory capital. Notes are provided to give additional context to the financial information presented.
This document provides financial highlights and statistical data for UnumProvident Corporation for the fourth quarter and full year of 2006. Some key details include:
- Full year 2006 net income was $411 million compared to $514 million in 2005.
- Premium income for 2006 was $7.948 billion compared to $7.816 billion in 2005.
- Total assets as of December 31, 2006 were $52.823 billion compared to $51.867 billion at the end of 2005.
- Sales from continuing operations increased 12.8% from $1.078 billion in 2005 to $1.106 billion in 2006, led by strong growth in the Unum US segment.
This document provides financial highlights and statistical data for Unum Group for quarters 3 and 9 months ended September 30, 2008 and 2007 and years ended December 31, 2007, 2006 and 2005. It includes information on premium income, revenues, benefits expenses, net income, earnings per share, sales data by segment and quarterly performance. Key figures shown are total revenue of $2.4 billion for Q3 2008, net income of $108 million for Q3 2008, and group long-term disability sales increasing 31.4% for Unum US segment in Q3 2008 compared to prior year.
- AES Corporation reported financial results for the first quarter of 2005 with revenues of $2.6 billion, a 17% increase from the first quarter of 2004. Income before taxes was $350 million, up 74% from the prior year.
- Key drivers of financial performance included revenue growth from new projects and higher prices/demand across several business segments, as well as favorable currency effects. However, gross margin declined slightly due to higher fuel costs.
- Cash flow from operations was $520 million for the quarter. The company distributed $195 million in subsidiary dividends to the parent company during the period.
The document is a statistical supplement from UnumProvident for the first quarter of 2005. It provides financial highlights and statistics for UnumProvident for the quarters and years ending March 31, 2005, March 31, 2004 and December 31, 2004 and 2003. Some key figures include total revenue of $2.6 billion for the quarter, net income of $152 million compared to a net loss of $562 million in the prior year quarter, and total assets of $50.8 billion and stockholders' equity of $7.1 billion as of March 31, 2005.
unum group 4Q 07_Statistical_Supplement_and_Notesfinance26
The document is Unum Group's statistical supplement for the fourth quarter of 2007. It includes financial highlights, income statements, sales data, and balance sheets. Some key details are:
- Net income for Q4 2007 was $160.5 million compared to $276.1 million in Q4 2006.
- Premium income for 2007 was $7.901.1 billion compared to $7.948.2 billion in 2006.
- Total sales decreased 4.3% to $379 million in Q4 2007 from $396.2 million in Q4 2006.
- Total assets as of December 31, 2007 were $52.432.7 billion.
- Goodrich Corporation reported strong financial results for the fourth quarter and full year 2004, with sales and earnings growth.
- Segment operating income increased 17% in the fourth quarter compared to 2003, driven by sales increases in all reportable segments.
- Full year 2004 sales grew 8% over 2003, with segment operating income increasing 56% due to higher volumes and efficiencies.
- The company reduced long-term debt by $131 million in the fourth quarter and continued strong cash generation with $298 million of cash on hand at year-end.
Celanese will hold a conference call on October 31, 2006 to discuss its third quarter 2006 earnings. The call will include presentations from Dave Weidman, President and CEO, and John J. Gallagher III, Executive Vice President and CFO. They will discuss Celanese's financial results for the third quarter, business segment highlights, capitalization, guidance for full year 2006, and reconciliation of certain non-GAAP financial measures used by management.
The document discusses how cloud computing is impacting workforces. It predicts that within a decade, most employees will work within internet-based applications. This will increase demand for cloud computing skills. The adoption of cloud computing will change the roles of IT professionals and allow engineering firms to access documents remotely. It recommends that companies seek candidates with cloud computing experience and provide training to keep staff skills current.
This presentation discusses the importance of effective communication in the workplace. It notes that communication is key for collaborating with colleagues, building relationships, and ensuring projects run smoothly. The presentation emphasizes listening to understand others, using clear and respectful language, and providing constructive feedback.
Bitou Cape Trail is a hiking trail in northern Taiwan that offers scenic views. The trail is divided into three sections and passes towering sea cliffs, sea-eroded landforms, and Bitou Cape Lighthouse, which stands 120 meters above sea level. Hikers can enjoy ocean vistas and the meeting of the East China Sea and Pacific Ocean waves from the lighthouse.
UnumProvident Statistical Supplement Third Quarter 2005
- Provides financial highlights and statistics for UnumProvident for Q3 2005, the first three quarters of 2005, and full years 2004-2002.
- Premium income was $1.952 billion for Q3 2005. Net income was $52.6 million which included charges related to a settlement agreement and income tax benefits.
- Assets were $51.147 billion as of Q3 2005 and stockholders' equity was $7.238 billion.
- Sales of fully insured products in the U.S. Brokerage segment increased 4.3% in Q3 2005 compared to Q3 2004, while ASO products sales increased significantly.
The document provides an overview of AES Corporation's financial results for the first quarter of 2006. Some key highlights include revenues increasing 13% to $3.013 billion compared to the same period in 2005, driven largely by higher prices and currency effects. Income before taxes and minority interest increased 68% to $633 million. Diluted earnings per share from continuing operations were $0.52 compared to $0.19 in the prior year. Segment results were positively impacted by higher demand and prices across most business lines.
This document provides details on Celanese Corporation's second quarter 2006 earnings conference call, including an agenda with the CEO and CFO as speakers. It also provides financial highlights for Q2 2006 such as an 11% increase in net sales and an 18% rise in operating EBITDA. Celanese issues guidance for full year 2006 of adjusted EPS between $2.50-$2.80.
- GM reported preliminary first quarter 2007 results with GAAP EPS of $0.11 and adjusted EPS of $0.17.
- Adjusted total automotive results improved $0.3 billion versus Q1 2006 driven by improved results at GMNA, GMLAAM, and GMAP.
- GMAC reported a net loss of $115 million compared to net income of $495 million in Q1 2006 due to continued weakness in its mortgage business.
This document provides a statistical supplement for UnumProvident Corporation for the second quarter of 2006. It includes financial highlights and consolidated statements of operations, balance sheets, and sales data. Some key details are:
- For the second quarter of 2006, total revenue was $2.67 billion and net income was $125.2 million.
- Premium income for the first six months of 2006 was $3.96 billion and net income was $198.6 million.
- Financial sales data shows growth in most product lines for the U.S. Brokerage segment compared to the second quarter and first six months of 2005.
This document provides an overview and estimates for MetLife's 4th quarter 2008 results and full year 2008 results. It also reviews MetLife's 2009 plan and discusses key topics such as their variable annuities business and GMIB rider liability. Some of the key points include estimated operating earnings of ($50)-$150 million for Q4 2008, realized gains of $1,200-$1,800 million, and an operating EPS estimate of $3.50-$3.75 for full year 2008. The 2009 plan projects operating earnings of $2,920-$3,250 million and an adjusted operating EPS of $3.60-$4.00. MetLife also discusses their hedging activities and disputes analyses claiming a
The document is a statistical supplement from UnumProvident for the third quarter of 2006 that includes financial highlights and statistics for the company. Some key details from the financial highlights include:
- For the third quarter of 2006, UnumProvident reported a net loss of $63.7 million compared to net income of $52.6 million for the same quarter the previous year.
- For the first nine months of 2006, UnumProvident reported net income of $134.9 million compared to $376.1 million for the same period in 2005.
- Total assets for UnumProvident as of September 30, 2006 were $52.2 billion, up slightly from $51.1 billion at
- Goodrich Corporation reported fourth quarter 2006 results with sales growth of 10% and segment operating margin increase from 11.2% to 12.5% compared to fourth quarter 2005.
- Net income per diluted share was $0.78, reflecting 39% growth including tax adjustments and stock-based compensation expenses.
- For full year 2006, sales grew 9% and segment operating margin increased from 11.5% to 13.0% compared to full year 2005. Net income per diluted share grew 79%.
This document provides a statistical supplement for UnumProvident Corporation's second quarter 2005 financial results, adjusted to reflect new segment reporting implemented in the third quarter of 2005. It includes key financial highlights such as total premium income of $1.94 billion for the quarter. The supplement presents financial data and statistics for the quarter and year to date by business segment, including income statements, balance sheets, investment portfolios, and statutory capital. Notes are provided to give additional context to the financial information presented.
This document provides financial highlights and statistical data for UnumProvident Corporation for the fourth quarter and full year of 2006. Some key details include:
- Full year 2006 net income was $411 million compared to $514 million in 2005.
- Premium income for 2006 was $7.948 billion compared to $7.816 billion in 2005.
- Total assets as of December 31, 2006 were $52.823 billion compared to $51.867 billion at the end of 2005.
- Sales from continuing operations increased 12.8% from $1.078 billion in 2005 to $1.106 billion in 2006, led by strong growth in the Unum US segment.
This document provides financial highlights and statistical data for Unum Group for quarters 3 and 9 months ended September 30, 2008 and 2007 and years ended December 31, 2007, 2006 and 2005. It includes information on premium income, revenues, benefits expenses, net income, earnings per share, sales data by segment and quarterly performance. Key figures shown are total revenue of $2.4 billion for Q3 2008, net income of $108 million for Q3 2008, and group long-term disability sales increasing 31.4% for Unum US segment in Q3 2008 compared to prior year.
- AES Corporation reported financial results for the first quarter of 2005 with revenues of $2.6 billion, a 17% increase from the first quarter of 2004. Income before taxes was $350 million, up 74% from the prior year.
- Key drivers of financial performance included revenue growth from new projects and higher prices/demand across several business segments, as well as favorable currency effects. However, gross margin declined slightly due to higher fuel costs.
- Cash flow from operations was $520 million for the quarter. The company distributed $195 million in subsidiary dividends to the parent company during the period.
The document is a statistical supplement from UnumProvident for the first quarter of 2005. It provides financial highlights and statistics for UnumProvident for the quarters and years ending March 31, 2005, March 31, 2004 and December 31, 2004 and 2003. Some key figures include total revenue of $2.6 billion for the quarter, net income of $152 million compared to a net loss of $562 million in the prior year quarter, and total assets of $50.8 billion and stockholders' equity of $7.1 billion as of March 31, 2005.
unum group 4Q 07_Statistical_Supplement_and_Notesfinance26
The document is Unum Group's statistical supplement for the fourth quarter of 2007. It includes financial highlights, income statements, sales data, and balance sheets. Some key details are:
- Net income for Q4 2007 was $160.5 million compared to $276.1 million in Q4 2006.
- Premium income for 2007 was $7.901.1 billion compared to $7.948.2 billion in 2006.
- Total sales decreased 4.3% to $379 million in Q4 2007 from $396.2 million in Q4 2006.
- Total assets as of December 31, 2007 were $52.432.7 billion.
- Goodrich Corporation reported strong financial results for the fourth quarter and full year 2004, with sales and earnings growth.
- Segment operating income increased 17% in the fourth quarter compared to 2003, driven by sales increases in all reportable segments.
- Full year 2004 sales grew 8% over 2003, with segment operating income increasing 56% due to higher volumes and efficiencies.
- The company reduced long-term debt by $131 million in the fourth quarter and continued strong cash generation with $298 million of cash on hand at year-end.
Celanese will hold a conference call on October 31, 2006 to discuss its third quarter 2006 earnings. The call will include presentations from Dave Weidman, President and CEO, and John J. Gallagher III, Executive Vice President and CFO. They will discuss Celanese's financial results for the third quarter, business segment highlights, capitalization, guidance for full year 2006, and reconciliation of certain non-GAAP financial measures used by management.
The document discusses how cloud computing is impacting workforces. It predicts that within a decade, most employees will work within internet-based applications. This will increase demand for cloud computing skills. The adoption of cloud computing will change the roles of IT professionals and allow engineering firms to access documents remotely. It recommends that companies seek candidates with cloud computing experience and provide training to keep staff skills current.
This presentation discusses the importance of effective communication in the workplace. It notes that communication is key for collaborating with colleagues, building relationships, and ensuring projects run smoothly. The presentation emphasizes listening to understand others, using clear and respectful language, and providing constructive feedback.
Bitou Cape Trail is a hiking trail in northern Taiwan that offers scenic views. The trail is divided into three sections and passes towering sea cliffs, sea-eroded landforms, and Bitou Cape Lighthouse, which stands 120 meters above sea level. Hikers can enjoy ocean vistas and the meeting of the East China Sea and Pacific Ocean waves from the lighthouse.
The American Cancer Society is dedicated to eliminating cancer through research, education, advocacy, and service. It helps people stay well through prevention education, helps people get well by providing informational and practical support services, and funds cancer research. The organization encourages lawmakers to continue funding cancer research and creating policies to fight cancer. It provides a cancer resource network to help cancer patients access information and resources through various programs and services.
Workplace Economy Slides November Final1KarolHoutman
October’s report brought some welcome signs of life in the U.S. labor market, specifically 159,000 new private sector jobs.
The unemployment rate is holding steady at 9.6%. The slight increase in unemployment shows that those who may have stopped searching for a job are now looking to rejoin the labor force.
This document provides a financial summary and highlights for Q1 2009 from eBay. It discusses eBay executing against its priorities in a difficult economic environment, exceeding revenue and profitability guidance for Q1. It also summarizes key metrics such as revenue, earnings, cash flow, and business unit performance for PayPal, Marketplaces, and Bill Me Later. The document indicates eBay will remain disciplined in managing costs and investing for growth while returning capital to shareholders.
This document provides a financial summary and highlights for Q1 2009 from eBay. It discusses eBay's revenue, which was at the high end of guidance. Non-GAAP EPS exceeded guidance due to higher volume and cost controls. Free cash flow was down 9% year-over-year. Business segments like PayPal and Bill Me Later saw continued growth in key metrics like total payment volume and number of active accounts despite the economic downturn. Marketplaces revenue declined year-over-year as fixed price formats held steady while auction declined.
- Ameriprise Financial reported financial results for the second quarter of 2007, including revenues of $2.182 billion, up 6% from the second quarter of 2006. Net income was $196 million, up 39% from the prior year.
- Total client assets grew to $483.9 billion, up 13% from the second quarter of 2006. Total financial advisors declined 2% to 12,076.
- Key metrics such as contribution margin, return on equity, and book value per share increased compared to the prior year quarter.
This document provides forward-looking statements and non-GAAP financial information for Monsanto's investor day on November 10, 2005. It includes reconciliations of free cash flow, non-GAAP EPS, and return on capital for fiscal years 2004-2007. The document also notes that references to fiscal years refer to Monsanto's year ending August 31 and lists several of Monsanto's trademarks.
- Ameriprise Financial reported adjusted earnings per share of $0.91 for the first quarter of 2007, a 21% increase from the first quarter of 2006.
- Total revenue increased 6% compared to the prior year quarter to $2.06 billion.
- Owned, managed and administered assets increased 6% year-over-year to $473.9 billion as of the end of the first quarter of 2007.
Citigroup reported financial results for the first quarter of 2006. Income from continuing operations increased 9% compared to the first quarter of 2005 to $5.6 billion. Global Consumer revenues decreased 1% to $12 billion, with U.S. Consumer revenues decreasing 9% due to declines in cards, retail distribution, and consumer lending. Corporate and Investment Banking revenues increased with Capital Markets and Banking revenues up 20% and Transaction Services up 22%. Overall, Citigroup revenues remained strong with continuing growth in international markets helping to offset declines in the U.S.
- Ameriprise Financial reported financial results for the third quarter of 2007, including revenue of $2.2 billion, net income of $198 million, and owned, managed, and administered assets totaling $492 billion.
- Key metrics included 12,003 total financial advisors, 2,784 total client relationships, and 45% of clients having a financial plan.
- Revenues increased 11% from the third quarter of 2006, while expenses grew 15% and net income rose 14%.
- The company reported second quarter earnings per share of $0.98, up from $0.97 in the second quarter of 2004. Revenue increased 10% compared to the second quarter of 2004.
- Fleet Management Solutions revenue increased 9% and earnings increased 8% compared to the second quarter of 2004, driven by improved used vehicle sales and rental results.
- The company reaffirmed its full year 2005 earnings forecast of $3.42-$3.52 per share, which includes a $0.12 state tax benefit.
- Revenue for the second quarter was up 10% year-over-year, with increases across all business segments. Fleet Management Solutions revenue was up 9% and earnings up 8%.
- Earnings per diluted share were $0.98 compared to $0.97 in the prior year second quarter. Excluding special items, earnings per share were $0.86, up 13% from $0.76.
- For the year-to-date period, earnings per diluted share were $1.61 compared to $1.50 in the prior year. Excluding special items, earnings per share were $1.50, up 17% from $1.28.
dominion resources GAAP Reconciliations and Footnotesfinance17
This document reconciles operating earnings, return on equity, and return on invested capital to reported earnings, return on equity, and return on invested capital for the years 2003-2007 for a company. It shows adjustments made to operating earnings such as gains or losses from sales of business units, impairment charges, discontinued operations, and other one-time items to derive reported earnings according to GAAP. The reconciliation also calculates the impact of these adjustments on the company's return on equity and return on invested capital.
This document summarizes AES Corporation's financial performance for the second and third quarters of 2005. It reports that revenues for the first nine months of 2005 were $8.1 billion, a 17% increase over the same period in 2004, driven by higher electricity prices and currency effects. Net income was $1.047 billion for the nine months, up 71% compared to the same period in 2004. Adjusted earnings per share, which excludes certain one-time items, were $0.64 per share for the nine months, a 31% increase over the prior year. The document also provides guidance for full-year 2005 revenues to increase 16-17% over 2004 and adjusted earnings per share of $0.83-$0
This document provides a statistical supplement with pro forma financial information for UnumProvident Corporation for the second quarter and first half of 2005, reflecting a new segment reporting structure implemented in the third quarter of 2005. It includes highlights of financial results, statements of operations, sales data, balance sheets, and results by business segment. Key figures presented are premium income, operating revenue, net income, assets, stockholders' equity, earnings per share, dividends paid, and book value.
The document provides an earnings review for The Bank of New York Mellon Corporation for the first quarter of 2009. It summarizes key financial highlights including a 14% decline in operating revenue compared to the first quarter of 2008. Earnings were impacted by $295 million in securities write-downs. Expense reductions of 10% helped offset declining revenues. Capital ratios improved with the Tier 1 capital ratio reaching 13.8%. Assets under management declined 5% from the prior quarter to $881 billion due to market depreciation, while assets under custody/administration fell 3% to $19.5 trillion.
Citigroup reported quarterly financial results. Global core income was $3.859 billion for Q1 2002, up 5% from Q1 2001. By segment, global consumer core income grew 20% to $1.812 billion, while global corporate and investment banking core income fell 13% to $1.286 billion. On a regional basis, core income from North America grew 20% to $2.479 billion, while core income from Western Europe fell 41% to $171 million.
Reconciliations 2008 Annual Meeting of Stockholdersfinance6
This document contains reconciliations and summaries of Safeway's financial metrics for 2006-2008, including:
1) Adjusted EPS for 2006-2007 which excludes certain tax adjustments and a tax settlement;
2) Reconciliation of net income to adjusted EBITDA and interest coverage ratios for 2007-2003;
3) Basis point changes in operating profit margin guidance excluding fuel impact;
4) Reconciliation of GAAP cash flow to free cash flow forecasts for 2008-2005.
- Revenue increased 14% to $1.49 billion due to growth across all business segments.
- Earnings per diluted share were $0.98, up 20% from $0.82 in the prior year, driven by improved performance across business segments.
- Fleet Management Solutions saw the largest earnings growth of 20% due to higher used vehicle sales, improved fuel margins, and lower costs.
The document provides an overview of the company's third quarter 2005 earnings conference call, including highlights such as earnings per share increasing 20% compared to the prior year, business segment results with revenue and earnings increases across all segments, and debt to equity ratios remaining below long-term targets while supporting continued growth.
The document is a statistical supplement from UnumProvident providing financial highlights and results for the first quarter of 2006. Some key details include:
- Premium income for the quarter was $1.97 billion, up slightly from $1.935 billion in the first quarter of 2005.
- Net income for the quarter was $73.4 million, down from $152.2 million in the first quarter of 2005, due to a $86 million claim reassessment charge.
- Total assets as of March 31, 2006 were $50.471 billion, down slightly from $50.836 billion at March 31, 2005.
allstate Quarterly Investor Information 2002 4th finance7
Allstate reported their fourth quarter and full year 2002 results. Some key highlights:
- Q4 2002 net income was $447 million, up 69% from Q4 2001. Full year 2002 net income was $1.13 billion, down slightly from 2001.
- Q4 2002 operating income was $618 million, up 100% from Q4 2001. Full year 2002 operating income was $2.08 billion, up from $1.49 billion in 2001.
- Results were driven by increased premiums earned, improved loss frequencies, and increased investment income, partly offset by higher claims severities and catastrophe losses.
- For 2003, Allstate expects operating income per share of $3.20-$3
- Major brands in the Consumer Foods segment that posted sales growth in Q4 FY06 included Blue Bonnet, Chef Boyardee, DAVID, Egg Beaters, Hebrew National, and Hunt's. Brands that posted sales declines included ACT II, Banquet, Healthy Choice, Peter Pan, Slim Jim, Snack Pack, and Van Camp's.
- Consumer Foods volume declined 2% in Q4 while Food and Ingredients volume increased 1%.
- Total depreciation and amortization for Q4 was approximately $85 million and approximately $353 million for all of FY06. Capital expenditures were approximately $92 million for Q4 and $288 million for FY
The 1999 Nordstrom annual report discusses the company's transition to better position itself for future competition. While sales growth was achieved through new store openings, existing store sales did not grow as expected due to excess inventory levels. The company took steps to better align inventory levels with sales. It also streamlined its buying structure to improve accountability and gain leverage in the market. Going forward, Nordstrom aims to generate quality sales growth from both new and existing stores through various new initiatives focused on the customer experience.
The 1999 Nordstrom annual report discusses the company's transition to better position itself for future success and increased competition. Key points include:
- Sales growth was driven by new full-line store openings and Rack store expansion. However, inventory levels had expanded faster than sales.
- The company realigned its buying structure to streamline decision making and gain leverage in the market.
- Initiatives are outlined to drive quality sales growth from existing stores through listening to customers and inspiring brand loyalty.
- The company is well positioned for future growth through new store opportunities and adapting to changing customer demands.
This annual report from Nordstrom provides an overview of the company's financial performance in 2000 and discusses some changes made that year based on customer feedback. It highlights that Nordstrom's greatest asset is its employees and salespeople. The report emphasizes focusing resources on supporting employees and giving them ownership over merchandise selection to best meet customer needs at the local level. It provides examples of top performing salespeople to illustrate Nordstrom's culture of customer service.
This annual report from Nordstrom provides an overview of the company's financial performance in 2000 and discusses some changes made that year based on customer feedback. It highlights that Nordstrom's greatest asset is its employees and salespeople. The report emphasizes focusing resources on supporting employees and giving them ownership over merchandise selection to best meet customer needs at the local level. It provides examples of top performing salespeople to illustrate Nordstrom's culture of customer service.
Nordstrom's 2001 Annual Report provides key financial highlights and performance metrics for the fiscal year. It discusses comparable store sales growth, total sales growth, earnings per share, and other metrics. The report also features interviews with Nordstrom employees discussing how the company is responding to challenges in retail by focusing on great products, customer service, and relationships. Employees discuss benefits of new initiatives like Perpetual Inventory and how Nordstrom transfers its core values to new markets. An operations executive also discusses bringing expenses under control by focusing on the customer experience and leveraging the company's size.
Nordstrom reported financial results for fiscal year 2001 with net sales increasing 1.9% to $5.6 billion and net earnings growing 22.3% to $124.7 million. Nordstrom saw comparable store sales growth and increased sales per square foot. The company focused on offering great styles, value, and customer service during challenging times for retail. Nordstrom implemented Perpetual Inventory to improve inventory management and the customer experience.
The annual report for 2002 provides financial highlights for the company including:
- Net sales increased 6.1% from 2001 to $5.975 billion.
- Earnings before income taxes decreased 4.3% to $195.6 million.
- Net earnings decreased 27.6% to $90.2 million.
The annual report summarizes Nordstrom's financial performance in 2002. Net sales increased 6.1% to $5.975 billion compared to 2001. Earnings before taxes decreased 4.3% to $195.6 million. Net earnings decreased 27.6% to $90.2 million and basic earnings per share decreased 28% to $0.67. Nordstrom made progress increasing sales and reducing expenses as a percentage of sales but recognizes there is still work to be done to reach its goals.
Nordstrom reported strong financial results for fiscal year 2003, with net sales increasing 8.6% to $6.49 billion and net earnings increasing 169.2% to $242.8 million. The company saw improvements in key metrics like gross profit margin and inventory turnover. Nordstrom aims to further enhance the customer experience through new technologies like touchscreen registers and personal book software. The report discusses Nordstrom's focus on listening to customers, providing quality service, and investing in employees and tools to build long-term customer loyalty and competitive advantage.
Nordstrom reported strong financial results for fiscal year 2003, with net sales increasing 8.6% to $6.49 billion and net earnings increasing 169.2% to $242.8 million. The company saw improvements in key metrics like gross profit margin and inventory turnover. Nordstrom aims to further enhance the customer experience through new technologies like touchscreen registers and personal book software. The report discusses Nordstrom's focus on disciplined growth, delivering the right merchandise assortments to each store, and leveraging technology improvements to better serve customers and drive profitable growth.
The document lists various job roles within the fashion retail business, including designers, salespeople, managers, and support staff. It then provides financial highlights and key metrics for Nordstrom, Inc. for the year 2004, including total revenue, net earnings, earnings per share, and total number of employees. The roles listed help illustrate the wide range of positions involved in operating a large retail fashion business.
The document lists various job roles within the fashion retail business of Nordstrom, Inc. It includes designers, salespeople, managers, servers, and other operational roles across the company. The roles support functions like design, sales, store operations, visual merchandising, and supply chain management.
This document is Nordstrom's annual report on Form 10-K filed with the SEC, summarizing its business operations for the fiscal year ended January 31, 2009. It discusses Nordstrom's segments including retail stores, direct, credit, and other. It provides an overview of Nordstrom's operations, including its store count, real estate strategy, brands, suppliers, seasonality, inventory management, and competitive environment. The report also addresses risks to Nordstrom's business from economic conditions, consumer spending, competition, and other factors.
This document is Nordstrom's annual report on Form 10-K for the fiscal year ending January 31, 2009. It provides information on Nordstrom's business operations and financial results. Specifically, [1] it describes Nordstrom's retail operations including its full-line department stores, Nordstrom Rack off-price stores, and clearance stores; [2] it notes that Nordstrom operates 171 stores across 28 U.S. states as of March 2009; and [3] it divides Nordstrom's business into four segments: Retail Stores, Direct, Credit, and Other. The filing also includes details on store openings, financial and operating results, risk factors, properties, legal proceedings, and other disclosures required in an annual
- Nordstrom reported strong financial results for fiscal year 2005 with total sales increasing 8.3% to $7.7 billion and same-store sales growth of 6%. Net earnings increased 40.1% to $551 million compared to 2004.
- The company aims to continue its growth in 2006 by focusing on maximizing sales in women's apparel, providing a seamless shopping experience across channels, and expanding into new markets like Boston.
- Nordstrom's strategies for continuous improvement include testing new store concepts, enhancing its online presence, leveraging technology investments, and refining inventory management tools.
Nordstrom reported strong financial results for fiscal year 2006. Total sales increased 10.8% to a record $8.6 billion and net earnings increased 23% to $678 million. Other highlights included gross profit and earnings before taxes reaching record high percentages of net sales. Nordstrom also announced a $2.8 billion capital plan to fund new stores, remodels, and other customer-facing initiatives to drive further growth. The company is well positioned for future growth given its focus on serving customers through both stores and online channels.
Nordstrom reported strong financial results for fiscal year 2006. Total sales increased 10.8% to a record $8.6 billion, with earnings before taxes exceeding $1 billion for the first time. The gross profit rate was 37.5% and expenses as a percentage of sales improved for the sixth consecutive year. Nordstrom also announced a $2.8 billion capital investment plan focused on new stores, remodels, and technology improvements to enhance the customer experience across channels. The Chairman expressed optimism for Nordstrom's future given its focus on serving customers and executing narrow initiatives through the lens of its values.
The document is Nordstrom's annual report (Form 10-K) filed with the SEC for the fiscal year ended February 2, 2008. It provides an overview of Nordstrom's business segments and operations, discusses competitive conditions and risks. Key points include:
- Nordstrom has four business segments: Retail Stores, Direct, Credit, and Other. Retail Stores and Direct are the main segments.
- In 2007, Nordstrom opened new stores and remodeled existing stores. It also sold its Façonnable boutiques.
- Nordstrom faces competition from other retailers and risks including its ability to respond to fashion trends, effective inventory management, and economic conditions.
The document is Nordstrom's annual report (Form 10-K) filed with the SEC for the fiscal year ended February 2, 2008. It provides an overview of Nordstrom's business segments and operations, discusses competitive conditions and risks. Key points include:
- Nordstrom has four business segments: Retail Stores, Direct, Credit, and Other. Retail Stores and Direct are the main segments.
- In 2007, Nordstrom opened new stores and remodeled existing stores. It also sold its Façonnable boutiques.
- Nordstrom faces competition from other retailers and risks including its ability to respond to fashion trends, effective inventory management, and economic conditions.
This document is Nordstrom's annual report on Form 10-K filed with the SEC, summarizing its business operations for the fiscal year ended January 31, 2009. It discusses Nordstrom's segments including Retail Stores, Direct, Credit, and Other. It provides an overview of Nordstrom's operations including its store count, real estate strategy, and sales by segment. It also outlines the company's trademarks, return policy, seasonality, inventory management, competition, employees, and risk factors associated with its business.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
ameriprise 3Q06_Supplement_2
1. Statistical Supplement
(unaudited)
Third Quarter 2006
Exhibits A1and A2 have been revised to include total net assets as of 9/29/2006 for each RiverSource Mutual Fund.
2. Ameriprise Financial, Inc.
Table of Contents
Page
Ameriprise Financial, Inc.
Financial Summary 1
Consolidated Income Statements 2
Adjusted Consolidated Income Statements 3
Financial Advisor and Client Metrics 4
Corporate Volumes 5
Consolidated Balance Sheets 6
Investment Detail 7
Selected Balance Sheet Information 8
Adjusted Segment Information 9
Asset Accumulation and Income Segment
Income Statements 10
Revenues by Product 11
Retail Managed Assets Rollforwards 12
Institutional Managed Assets Rollforwards 13
Financial Advisor Managed Assets Rollforwards 14
Owned Assets Related to Variable Products 15
Net Investment Income and Spread Products 16
Selected Asset Management Performance Information 17
Deferred Acquisition Costs Rollforwards 18
Protection Segment
Income Statements 19
Adjusted Income Statements 20
Adjusted Revenues by Product 21
Selected Statistical Information 22
Product Rollforwards 23
Corporate and Other and Eliminations Segment
Income Statements 24
Capital and Ratings Information 25
Non-GAAP Financial Information and Reclassification 26
Glossary of Selected Terminology 27-29
Exhibit A
RiverSourceSM Mutual Fund Performance and Lipper Ranking A1-A4
Exhibit B
Reconciliation Tables B1-B13
Exhibit C
Disclosed Items C1-C3
3. Ameriprise Financial, Inc.
Financial Summary
(in millions, except per share amounts and where noted, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
EPS - Basic: (1)
Net income $ 0.50 $ 0.44 $ 0.57 $ 0.57 $ 0.71 42 % $ 1.87 $ 1.86
Income from discontinued operations - - - - - - (0.05) -
Income attributable to AMEX Assurance, after-tax (0.01) - - - - # (0.23) -
Separation costs, after-tax 0.24 0.33 0.18 0.22 0.23 (4)% 0.44 0.62
Adjusted earnings, after-tax $ 0.73 $ 0.77 $ 0.75 $ 0.79 $ 0.94 29 % $ 2.03 $ 2.48
EPS - Diluted:
Net income $ 0.50 $ 0.44 $ 0.57 $ 0.57 $ 0.71 42 % $ 1.87 $ 1.85
Income from discontinued operations - - - - - - (0.05) -
Income attributable to AMEX Assurance, after-tax (0.01) - - - - # (0.23) -
Separation costs, after-tax 0.24 0.33 0.18 0.22 0.23 (4)% 0.44 0.62
Adjusted earnings, after-tax $ 0.73 $ 0.77 $ 0.75 $ 0.79 $ 0.94 29 % $ 2.03 $ 2.47
Management's financial targets and performance:
Adjusted revenue growth: Target 6 - 8% 14.6 % 4.9 % 9.9 % 12.9 % 4.9 % 9.2 %
Adjusted earnings growth: Target 10 - 13% 11.2 % (4.5)% 17.4 % 21.9 % 29.1 % 23.0 %
Adjusted ROE: Target 12 - 15% 10.4 % 10.2 % 10.4 % 10.7 % 11.2 % 11.2 %
Contribution margin 50.1 % 49.6 % 50.0 % 52.8 % 50.5 % 50.8 % 51.2 %
Adjusted contribution margin 49.5 % 49.6 % 50.0 % 52.8 % 50.5 % 50.0 % 51.2 %
Net income margin 6.7 % 5.9 % 7.4 % 6.9 % 8.8 % 8.2 % 7.7 %
Effective tax rate on net income before discontinued operations 32.2 % 12.0 % 24.0 % 24.3 % 19.8 % 27.7 % 22.6 %
Effective tax rate on adjusted earnings 33.7 % 23.4 % 26.7 % 27.8 % 24.0 % 29.0 % 26.1 %
Return on equity before discontinued operations 9.9 % 8.0 % 7.4 % 7.1 % 7.6 % 9.9 % 7.6 %
Debt to total capital 18.1 % 19.3 % 20.7 % 25.1 % 22.5 % 18.1 % 22.5 %
Debt to total capital excluding non-recourse debt 15.3 % 16.8 % 17.0 % 21.7 % 20.5 % 15.3 % 20.5 %
Debt to total capital excluding non-recourse debt and 75% equity credit - - - 17.6 % 16.7 % - 16.7 %
Business metrics summary:
Owned, managed and administered assets (in billions) $ 420.6 $ 428.2 $ 445.7 $ 427.9 $ 440.0 5% $ 420.6 $ 440.0
Total financial advisors 12,222 12,440 12,379 12,372 12,427 2% 12,222 12,427
Clients with a financial plan percentage 43% 44% 44% 44% 44% 43% 44%
Total clients (in thousands) 2,769 2,776 2,762 2,770 2,779 - 2,769 2,779
Gross dealer concession $ 479 $ 469 $ 527 $ 545 $ 545 14 % $ 1,410 $ 1,617
Employee base (in thousands):
Field (employee advisors) 3,073 3,268 3,075 3,056 3,063 - 3,073 3,063
Non-field 8,631 8,589 8,582 8,607 8,647 - 8,631 8,647
Common shares outstanding 246.2 249.9 244.3 244.1 242.1 (2)% 246.2 242.1
Weighted average common shares outstanding:
Basic 246.2 249.9 252.3 246.3 244.5 (1)% 246.2 247.6
Diluted 246.2 250.3 253.5 248.0 246.4 - 246.2 249.3
Book value:
Book value $ 7,737 $ 7,687 $ 7,341 $ 7,235 $ 7,753 - $ 7,737 $ 7,753
Book value, excluding the impact of accumulated other comprehensive income (OCI) 7,757 7,838 7,783 7,901 7,979 3% 7,757 7,979
Book value per common share outstanding 31.43 30.76 30.05 29.64 32.02 2% 31.43 32.02
Book value per common share outstanding, excluding the impact of OCI 31.51 31.37 31.86 32.37 32.96 5% 31.51 32.96
(1)
EPS for other than EPS-Net income are non-GAAP financial measures.
# Variance of 100% or greater.
Page 1
4. Ameriprise Financial, Inc.
Consolidated Income Statements
(in millions, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
Revenues
Management, financial advice and service fees $ 687 $ 651 $ 710 $ 721 $ 720 5% $ 1,927 $ 2,151
Distribution fees 296 277 301 325 300 1% 873 926
Net investment income 561 574 574 522 542 (3)% 1,667 1,638
Premiums 202 228 220 229 244 21 % 751 693
Other revenues 127 139 144 256 171 35 % 397 571
Total revenues 1,873 1,869 1,949 2,053 1,977 6% 5,615 5,979
Expenses
Compensation and benefits:
Field 408 374 423 436 428 5% 1,141 1,287
Non-field 295 281 316 330 328 11 % 854 974
Total compensation and benefits 703 655 739 766 756 8% 1,995 2,261
Interest credited to account values 337 334 324 307 317 (6)% 976 948
Benefits, claims, losses and settlement expenses 190 234 227 225 233 23 % 646 685
Amortization of deferred acquisition costs 49 112 128 153 87 78 % 319 368
Interest and debt expense 16 21 23 28 32 # 52 83
Other expenses 305 261 250 304 248 (19)% 841 802
Total expenses before separation costs (1) 1,600 1,617 1,691 1,783 1,673 5% 4,829 5,147
Income before income tax provision, discontinued
operations and separation costs (1) 273 252 258 270 304 11 % 786 832
Income tax provision before tax benefit
attributable to separation costs (1) 91 59 69 75 73 (20)% 230 217
Income before discontinued operations and
separation costs (1) 182 193 189 195 231 27 % 556 615
Separation costs, after-tax (1) 59 82 44 54 57 (3)% 109 155
Income before discontinued operations 123 111 145 141 174 41 % 447 460
Discontinued operations, net of tax 2 - - - - # 16 -
Net income $ 125 $ 111 $ 145 $ 141 $ 174 39 % $ 463 $ 460
Other Information
Net investment gains (losses), after-tax $ (4) $ 3 $ 3 $ 4 $ 9 # $ 40 $ 16
Dividends paid (2) $ 217 $ 27 $ 28 $ 27 $ 26 (88)% $ 217 $ 81
Contribution margin 50.1 % 49.6 % 50.0 % 52.8 % 50.5 % 50.8 % 51.2 %
(1)
See non-GAAP Financial Information.
(2)
Dividends paid in 3Q 2005 include $164 million associated with the transfer of the Company's interest in AEIDC to American Express Company.
# Variance of 100% or greater.
Page 2
5. Ameriprise Financial, Inc.
Adjusted Consolidated Income Statements
Excluding AMEX Assurance and Separation Costs
(in millions, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
Revenues
Management, financial advice and service fees $ 686 $ 651 $ 710 $ 721 $ 720 5% $ 1,924 $ 2,151
Distribution fees 296 277 301 325 300 1% 873 926
Net investment income 558 574 574 522 542 (3)% 1,658 1,638
Premiums 217 228 220 229 244 12 % 624 693
Other revenues 128 139 144 256 171 34 % 398 571
Total revenues 1,885 1,869 1,949 2,053 1,977 5% 5,477 5,979
Expenses
Compensation and benefits:
Field 373 374 423 436 428 15 % 1,104 1,287
Non-field 295 281 316 330 328 11 % 854 974
Total compensation and benefits 668 655 739 766 756 13 % 1,958 2,261
Interest credited to account values 337 334 324 307 317 (6)% 976 948
Benefits, claims, losses and settlement expenses 241 234 227 225 233 (3)% 658 685
Amortization of deferred acquisition costs 49 112 128 153 87 78 % 302 368
Interest and debt expense 16 21 23 28 32 # 52 83
Other expenses 304 261 250 304 248 (18)% 827 802
Total expenses before separation costs 1,615 1,617 1,691 1,783 1,673 4% 4,773 5,147
Income before income tax provision, discontinued
operations and separation costs 270 252 258 270 304 13 % 704 832
Income tax provision before tax benefit
attributable to separation costs 91 59 69 75 73 (20)% 204 217
Adjusted earnings $ 179 $ 193 $ 189 $ 195 $ 231 29 % $ 500 $ 615
Other Information
Adjusted net investment gains (losses), pretax $ (6) $ 5 $ 4 $ 6 $ 14 # $ 61 $ 24
Adjusted contribution margin 49.5 % 49.6 % 50.0 % 52.8 % 50.5 % 50.0 % 51.2 %
# Variance of 100% or greater.
Page 3
16. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Financial Advisor Managed Assets Rollforwards
(in billions, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
Ameriprise Wrap Accounts
Beginning assets $ 42.7 $ 47.0 $ 49.7 $ 54.9 $ 56.7 33 % 37.3 49.7
Mutual fund net flows 1.4 1.3 1.9 1.9 1.2 (14)% 4.8 5.0
Market appreciation (depreciation) and other 2.9 1.4 3.3 (0.1) 2.0 (31)% 4.9 5.2
Total ending assets $ 47.0 $ 49.7 $ 54.9 $ 56.7 $ 59.9 27 % $ 47.0 $ 59.9
Money Market Funds as a % of Ending Assets 5.5% 6.1% 4.3% 6.2% 5.9% 5.5% 5.9%
SAI Wrap Accounts
Beginning assets $ 6.1 $ 6.7 $ 8.0 $ 9.1 $ 9.8 61 % $ 5.1 $ 8.0
Net flows 0.5 1.5 0.8 0.8 0.6 20 % 1.3 2.2
Market appreciation (depreciation) and other 0.1 (0.2) 0.3 (0.1) (0.2) # 0.3 -
Total ending assets $ 6.7 $ 8.0 $ 9.1 $ 9.8 $ 10.2 52 % $ 6.7 $ 10.2
# Variance of 100% or greater.
Page 14
17. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Owned Assets Related to Variable Products
(in billions, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
Variable Annuities (1)
Beginning balance $ 29.5 $ 31.6 $ 33.2 $ 36.1 $ 36.7 24 % $ 28.3 $ 33.2
Deposits 1.7 1.7 2.1 2.5 2.4 41 % 4.6 7.0
Withdrawals and surrenders (0.9) (0.8) (1.0) (1.2) (1.0) (11)% (2.5) (3.2)
Net flows 0.8 0.9 1.1 1.3 1.4 75 % 2.1 3.8
Investment performance and interest credited 1.3 0.7 1.9 (0.8) 1.1 (15)% 1.3 2.2
Other - - (0.1) 0.1 0.1 - (0.1) 0.1
Total ending balance - contract reserves $ 31.6 $ 33.2 $ 36.1 $ 36.7 $ 39.3 24 % $ 31.6 $ 39.3
Assets Managed by RiverSource
Variable annuity separate account assets $ 16.2 $ 16.4 $ 17.2 $ 17.3 $ 18.1 12 %
(2)
Variable universal life assets 2.1 2.2 2.3 2.3 2.4 14 %
Assets Managed by Threadneedle 3.6 3.6 4.0 4.0 4.2 17 %
(1) The fixed portion of the Variable annuities product is included in the Fixed annuities product account values on page 16.
(2) Revenue associated with this product is included in the Protection segment.
# Variance of 100% or greater.
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18. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Net Investment Income and Spread Products
(in millions, unaudited) 3Q 4Q 1Q 2Q 3Q 3Q'06 vs. 3Q'05 YTD YTD
2005 2005 2006 2006 2006 % Change 2005 2006
Net Investment Income
Realized gains (losses) $ (8) $ 6 $ 1 $ 6 $ 12 # $ 36 $ 19
Income related to interest credited and benefits line hedges 12 11 1 (13) 18 50 % 9 6
Net investment income $ 480 $ 486 $ 475 $ 427 $ 443 (8)% $ 1,437 $ 1,345
Certificates (Excluding Discontinued Operations)
Beginning balance $ 6,427 $ 6,392 $ 5,649 $ 5,180 $ 4,863 (24)% $ 5,831 $ 5,649
Deposits 796 538 471 378 390 (51)% 2,706 1,239
Withdrawals and surrenders (889) (1,337) (993) (738) (700) 21 % (2,291) (2,431)
Net flows (93) (799) (522) (360) (310) # 415 (1,192)
Interest credited 58 56 55 42 56 (3)% 143 153
Other - - (2) 1 (1) - 3 (2)
Total ending balance $ 6,392 $ 5,649 $ 5,180 $ 4,863 $ 4,608 (28)% $ 6,392 $ 4,608
Asset earnings rate 4.65 % 4.83 % 4.89 % 4.93 % 4.92 % 4.62 % 4.91 %
Crediting rate (3.17)% (3.34)% (3.48)% (3.66)% (3.92)% (2.88)% (3.68)%
Spread (1) 1.48 % 1.49 % 1.41 % 1.27 % 1.00 % 1.74 % 1.23 %
Annuities Fixed Account Balances
Beginning balance $ 26,697 $ 26,460 $ 26,126 $ 25,529 $ 24,801 (7)% $ 26,979 $ 26,126
Deposits 249 207 237 221 232 (7)% 941 690
Withdrawals and surrenders (761) (782) (1,060) (1,176) (1,238) (63)% (2,207) (3,474)
Net flows (512) (575) (823) (955) (1,006) (96)% (1,266) (2,784)
Policyholder interest credited 246 242 236 230 228 (7)% 738 694
Other 29 (1) (10) (3) (46) # 9 (59)
Total ending balance $ 26,460 $ 26,126 $ 25,529 $ 24,801 $ 23,977 (9)% $ 26,460 $ 23,977
Capitalized Interest $ 4 $ 1 $ 3 $ 2 $ 3 (25)% $ 14 $ 8
Ending Balance Attributable to Variable Annuities Fixed Sub-Accounts $ 7,118 $ 6,999 $ 6,810 $ 6,572 $ 6,277 (12)% $ 7,118 $ 6,277
Asset earnings rate 5.75 % 5.60 % 5.83 % 5.64 % 5.21 % 5.68 % 5.57 %
Crediting rate (3.56)% (3.54)% (3.54)% (3.54)% (3.56)% (3.59)% (3.55)%
(2)
Spread 2.19 % 2.06 % 2.29 % 2.10 % 1.65 % 2.09 % 2.02 %
(1)
The investment income effect of options backing the Stock Market Certificate and the corresponding credited amounts to certificate holders has been excluded from these rates.
(2)
Attributable to interest sensitive products only, which has ranged between 87% to 89% of the total ending annuities fixed accounts balance in the periods reported. The asset earnings rate is a calculated
theoretical yield obtained from the assignment of investment income using the investment year method of allocation.
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19. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Selected Asset Management Performance Information
3Q 4Q 1Q 2Q 3Q
2005 2005 2006 2006 2006
RiverSource Mutual Fund Performance (1)
Equity - 12 month 66% 69% 73% 69% 73%
Fixed Income - 12 month 45% 50% 50% 44% 78%
Taxable Fixed Income - 12 month 70% 80% 78% 67% 78%
Tax-exempt Fixed Income - 12 month 20% 20% 22% 22% 78%
Equity - 3 year 43% 38% 56% 53% 58%
Fixed Income - 3 year 31% 38% 43% 41% 47%
Taxable Fixed Income - 3 year 67% 67% 80% 63% 75%
Tax-exempt Fixed Income - 3 year 0% 20% 22% 22% 22%
Threadneedle Mutual Fund Performance (2)
Equity - 12 month 62% 69% 84% 83% 72%
Fixed Income - 12 month 67% 78% 78% 44% 67%
Equity - 3 year 19% 19% 41% 59% 64%
Fixed Income - 3 year 56% 56% 56% 56% 78%
(1)
Percent of funds, equal weighted in top 2 Lipper quartiles.
(2)
Percent of funds, equal weighted in top 2 S&P quartiles.
Aggregated data shows only actively-managed mutual funds by affiliated investment managers.
Aggregated data does not include mutual funds subadvised by advisors not affiliated with Ameriprise Financial, Inc. or index funds.
Aggregated equity rankings include RiverSource Portfolio Builder Series and other balanced and asset allocation funds that invest in both equities and
fixed income.
RiverSource Portfolio Builder Series funds are funds of mutual funds that may invest in third-party subadvised funds.
Aggregated data only includes mutual funds in existence as of current quarter end. Refer to Exhibit A for RiverSource individual mutual fund
performance rankings and other important disclosures.
Exhibit A includes RiverSource performance rankings for funds subadvised by non-affiliated advisors for general reference although not included in the
summary above.
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