Bayer AG separates its material science business, Covestro, through a spin-off in 2016 to focus on life sciences. Bayer's material science division produced polymers and had declining revenues, no longer fitting Bayer's strategy. The spin-off transforms Bayer into a pure life sciences company pursuing growth in pharmaceuticals and agriculture through acquisitions, research and development, and expanding in emerging markets.
Colgate Palmolive Final Project Report 2019-2020RABNEETSHARMA1
A Report covering wide aspects on Fast Moving Consumer Goods Industry along with Colgate Palmolive a Global Giant and leader in oral & homecare segments.
Follow on LinkedIn: https://www.linkedin.com/in/rabneet-sharma
For more such information.
I hope you find this report useful!
I have to try to share some knowledge about the Indian health care sector. I have put some data to get more and more knowledge which can easily understand.
Financial Analysis of the Indian FMCG IndustryNavitha Pereira
Fast-moving consumer goods or Consumer Packaged Goods (CPG) are products that are sold quickly and at relatively low cost. FMCG sector is the 4th largest contributor to Indian economy with a market size of more than US$ 51.4 billion in 2017. This sector will continue to see growth as it depends on an ever-increasing internal market for consumption, and demand for these goods remains more or less constant, irrespective of recession or inflation. Availability of key raw materials, cheaper labor costs and presence across the entire value chain gives Indian FMCG industry a competitive advantage. Penetration level as well as per capita consumption in most product categories like jams, toothpaste, skin care, hair wash etc. in India is low, indicating the untapped market potential. Increasing Indian population, particularly the middle class and the rural segments, presents an opportunity to makers of branded products to convert consumers to branded products
Colgate Palmolive Final Project Report 2019-2020RABNEETSHARMA1
A Report covering wide aspects on Fast Moving Consumer Goods Industry along with Colgate Palmolive a Global Giant and leader in oral & homecare segments.
Follow on LinkedIn: https://www.linkedin.com/in/rabneet-sharma
For more such information.
I hope you find this report useful!
I have to try to share some knowledge about the Indian health care sector. I have put some data to get more and more knowledge which can easily understand.
Financial Analysis of the Indian FMCG IndustryNavitha Pereira
Fast-moving consumer goods or Consumer Packaged Goods (CPG) are products that are sold quickly and at relatively low cost. FMCG sector is the 4th largest contributor to Indian economy with a market size of more than US$ 51.4 billion in 2017. This sector will continue to see growth as it depends on an ever-increasing internal market for consumption, and demand for these goods remains more or less constant, irrespective of recession or inflation. Availability of key raw materials, cheaper labor costs and presence across the entire value chain gives Indian FMCG industry a competitive advantage. Penetration level as well as per capita consumption in most product categories like jams, toothpaste, skin care, hair wash etc. in India is low, indicating the untapped market potential. Increasing Indian population, particularly the middle class and the rural segments, presents an opportunity to makers of branded products to convert consumers to branded products
Sample Healthcare Business Analysis 20XX.pptxYinka Daramola
Having good insights into your healthcare business or medical practice can help you maximize income and minimize cost. Clarity comes from analysis and gives rise to clear KPIs and strategic shifts as may be required.
Yinka Daramola- Avoiding Recalls at Toyota Motor Corporation Yinka Daramola
Toyota’s corporate image and reputation for being a quality conscious firm is being adversely affected by recent recalls.
This paper was written to suggest ways that Toyota can prevent future recalls and protect their reputation for quality.
Forecasting the Economic Impact of Foxconn-Wisconsin State DealYinka Daramola
Foxconn recently signed a memorandum committing to potentially invest up to US $10 billion in a new production facility to be domiciled in Wisconsin, USA. The rationale for this business decision is analyzed in this presentation- both from the perspective of managerial economic literature and from a practical perspective.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
The European Unemployment Puzzle: implications from population aging
Bayer...
1. Bayer Separates Material Science Business- Covestro
WSJ Article by Alessi, C. (2015, Sep 01)
Presented by: Yinka Daramola
A brief analysis of corporate strategy
2. • Company Background
• Some Relevant Information
• Strategic Outlook
• Why the approach?
• Concrete Action Steps
• Relevance to Coursework
Outline
3. • 152 year old German multinational chemical and pharmaceutical company
• Diversified organization with core competencies in healthcare, agriculture, and
high-tech polymer materials.
• Bayer’s mission is to improve the quality of life of people with internally
developed and commercialized innovative science-based products
• The firm’s core values are personified in its ‘LIFE’ acronym: Leadership, Integrity,
Flexibility, and Efficiency- principles drive all personnel in daily activities
• Core businesses are classified into Life Sciences and Material Sciences
About Bayer AG
5. • Life Science businesses include Healthcare (Pharmaceuticals & Consumer
Health) and Crop Science
• In Healthcare, Pharmaceuticals comprise patented drug sales and
Consumer Health segments comprise Consumer Care, Medical Care, and
Animal Health
• Crop Science businesses include Crop Protection/Seeds and
Environmental Science
• Material Sciences businesses include the production and sales of
Polycarbonates; Polyurethanes; and Coatings, Adhesives, Specialties
Company Structure
7. • 2014 consolidated earnings of $47.35 billion
• Net Income of $3.84 billion
• Bayer exceeded all strategic earnings forecast goals in the 2014 year
• Half Year 2015 earnings grew 16.47% and net income 3.65%
• 118,888 employees globally
+ 7.47%
+ 5.2%
Some Relevant Information
9. • Bayer AG spends about 8.5% of sales on R & D to retain and
improve competitive standing and product relevance
• 37.7% of Global Sales were earned from emerging markets
• Emerging Markets refers to Asia (excluding Japan), Latin
America, Eastern Europe, Africa and the Middle East
11.3%
Other Noteworthy Items
12. • Exit Material Science and transform Bayer into a pure Life
Science company
• Execute a strategy of organic growth by streamlining portfolio
• Generate strong growth with new product innovations through
R&D progress
• Pursue steady financial growth in core indices
Strategic outlook
13. • Relatively high cash investments in Material Science are not
yielding commensurate returns
• No longer a strategic fit
• Industry is experiencing falling revenues and earnings: Merck &
Co-, Pfizer-, Novartis+
• Emerging markets growth requires adjusting company focus
Why this approach?
14. Concrete Action Steps
• Spin-off Material Science business (Covestro) via 2016 P.O.
• Acquisitions to streamline portfolio and grow core
businesses*
Acquired Merck & Co US Consumer Care business, Dihon
Pharmaceutical Group Co. Ltd., China, Algeta asa, Norway
Accelerating development of cancer drug Xofigo, adding
Chinese medicine to product offering
15. • These deliberate strategic actions explain why Bayer is still
in business
• Strategic decisions continue to reflect Bayer’s mission,
although adjusting to improve efficiency
• Strategic plan maps out Bayer’s approach to coping with
industry conditions and outcompeting rivals
Relevance?
16. Alessi, C. (2015, Sep 01). Bayer separates material science business covestro;
german pharmaceuticals group moves closer to floating its $12 billion unit,
potentially this fall. Wall Street Journal (Online) Retrieved from
http://ezproxy.nu.edu/login?url=http://search.proquest.com/docview/1708
583814?accountid=25320
Bayer AG (2014). Annual report 2014 augmented version. Retrieved from
http://www.annualreport2014.bayer.com/
Bayer AG (2015). Interim report second quarter 2015. Retrieved from
http://www.quarterly-report-2015-q2.bayer.com/en/income-
statements.aspx
Bayer AG (2015). Key data by segment. Retrieved from http://www.quarterly-
report-2015-q2.bayer.com/en/key-data-by-segment.aspx
References
17. Bayer AG (2015). Hello Covestro! Bayer material science now legally and
economically independent under the new name covestro. Retrieved 02
Sept from http://www.bayer.com/en/covestro.aspx
Merck & Co., Inc. (2015). 2014 Annual Report on form 10-k. Retrieved from
http://www.merck.com/investors/financial-reports/home.html
Yahoo Finance (2005). Pfizer Inc.- Income Statement. Retrieved from
http://finance.yahoo.com/q/is?s=PFE+Income+Statement&annual
Yahoo Finance (2005). Merck & Co. Inc.- Income Statement. Retrieved from
http://finance.yahoo.com/q/is?s=MRK+Income+Statement&annual
Yahoo Finance (2005). Novartis AG- Income Statement. Retrieved from
http://finance.yahoo.com/q/is?s=NVS+Income+Statement&annual
References
