This document contains a list of audio file attributes including the filename, format, file size, length, bit rate, channels, and URL for each file. There are 77 files listed with details about each. The files are of various formats including mp3 and span a range of topics from podcasts to music.
A empresa Elevares Assistência Técnica em Elevadores Ltda apresenta o equipamento ALERT ELEV, que foi idealizado para melhorar a comunicação entre elevadores e usuários e evitar acidentes. O ALERT ELEV existe em modelos analógico e digital e serve para fornecer avisos obrigatórios de manutenção preventiva.
Stifel 2015 Transportation and Logistics ConferenceDelta_Airlines
- Delta generated over $4.5 billion in pre-tax income in 2014 and expects improvements in 2015 from lower fuel prices and initiatives.
- The company aims to reduce debt, return capital to shareholders, and invest for growth while maintaining margins of 11-14% and annual EPS growth of 10-15%.
- Delta will balance reinvesting approximately 50% of operating cash flow in the business with strengthening its balance sheet and returning cash to shareholders.
This document contains a list of audio file attributes including the filename, format, file size, length, bit rate, channels, and URL for each file. There are 77 files listed with details about each. The files are of various formats including mp3 and span a range of topics from podcasts to music.
A empresa Elevares Assistência Técnica em Elevadores Ltda apresenta o equipamento ALERT ELEV, que foi idealizado para melhorar a comunicação entre elevadores e usuários e evitar acidentes. O ALERT ELEV existe em modelos analógico e digital e serve para fornecer avisos obrigatórios de manutenção preventiva.
Stifel 2015 Transportation and Logistics ConferenceDelta_Airlines
- Delta generated over $4.5 billion in pre-tax income in 2014 and expects improvements in 2015 from lower fuel prices and initiatives.
- The company aims to reduce debt, return capital to shareholders, and invest for growth while maintaining margins of 11-14% and annual EPS growth of 10-15%.
- Delta will balance reinvesting approximately 50% of operating cash flow in the business with strengthening its balance sheet and returning cash to shareholders.
Delta presented at a J.P. Morgan conference on delivering growing value. The presentation discussed Delta's strong financial performance in 2014, expectations for continued margin expansion and cash flow generation in 2015 due to lower fuel prices and Delta-specific initiatives. Delta aims to deploy capital through reinvesting in the business, reducing debt, and returning cash to shareholders, with the goal of achieving investment grade metrics and sustainable shareholder returns over the long term.
The document discusses different levels or extremes of human traits and behaviors, providing an example for each. It describes the height of secrecy as offering blank visiting cards, laziness as asking for a lift while on a morning walk, craziness as getting a blank paper xeroxed, forgetfulness as seeing oneself in the mirror and trying to remember when you last saw that person, stupidity as a man looking through the keyhole of a glass door, honesty as a pregnant woman taking one and a half tickets, suicide as a dwarf jumping from the footpath, and dehydration as a cow giving milk powder.
Author:Tapio Varis.
Modern European university traditions during the last 500 years face major challenges in the 21st century. During the Enlightenment and the spirit of Kant, the emphasis was on the logic of human rationality. The Humbold tradition during the 19th century promoted culture and civilisation, a holistic idea of human beings as the ultimate goal of higher education.
This document explores different levels or extremes of human traits and behaviors through brief examples. It examines the height of secrecy through offering blank business cards, laziness through asking for a ride while out walking, craziness through getting a blank paper copied, forgetfulness through seeing oneself in the mirror and trying to remember when last seeing someone, stupidity through looking through the keyhole of a glass door, honesty through a pregnant woman taking one and a half tickets, suicide through a dwarf jumping off a footpath, and dehydration through a cow giving milk powder.
This 3-sentence summary provides the key details from the document:
The document appears to be a presentation titled "Test Presentation 5" and is authored by someone named Arun, as it lists "- Arun" underneath the title. No other contextual information is provided in the short document.
Los amigos invisibles es una tradición navideña en la que un grupo de personas se reúne y cada persona escoge el nombre de otra de forma aleatoria para luego obsequiarle un regalo de forma anónima. El objetivo es fomentar la amistad y la generosidad durante las fiestas decembrinas sin esperar nada a cambio.
Insider trading regulations in the US and Turkey are summarized and compared. The US has the most comprehensive regulations including Section 16, Rule 10b-5 (classical and misappropriation theories), and Rule 14e-3. Turkey's only specific regulation is in the Capital Markets Law. Differences include the US focus on fiduciary duty breaches while Turkey views it as public fraud. Proposals for Turkey include clarifying materiality in laws, allowing cases without profit/loss, and adopting rules similar to bounties and Regulation FD.
This document explores different levels or extremes of human traits and behaviors through brief examples. It examines the height of secrecy through offering blank business cards, laziness through asking for a ride while out walking, craziness through getting a blank paper copied, forgetfulness through seeing oneself in the mirror and trying to remember when last seeing someone, stupidity through looking through the keyhole of a glass door, honesty through a pregnant woman taking one and a half tickets, suicide through a dwarf jumping off a footpath, and dehydration through a cow giving milk powder.
E-learning Development and Exchange: practical lessons from developing e-lang...eLearning Papers
Author: Ian Roffe.
When e-learning is extensively available, competition is inevitable and niches are important for providers prepared to supply to small groups. With a large number of different languages in use across the EU, language programmes are inevitably an important feature of European e-learning provision.
Citibanking North America reported a 14% increase in total revenues and a 92% increase in core income for Q1 2000 compared to Q1 1999. Key drivers included an 86% increase in core income before taxes due to higher non-interest revenue and lower loan loss provisions. Average loans declined 5% while average deposits grew 5%. Asset quality improved with delinquencies and net credit losses declining.
Citigroup reported record earnings for the first quarter of 2000, with core income rising 49% to $3.6 billion compared to the same period last year. Several of Citigroup's business lines saw double-digit earnings growth, including Global Consumer (up 23%), Global Corporate and Investment Bank (up 36%), and Global Investment Management (up 26%). Strong performance across all regions and business segments was driven by favorable global market conditions. Return on equity was 30% and the company repurchased $1.2 billion in stock during the quarter.
Citigroup reported financial results for the second quarter of 2000. Core income increased 21% compared to the second quarter of 1999 to $3.007 billion. Total revenues for the quarter were $16.373 billion, a 10% increase year-over-year. Most of Citigroup's business segments saw revenue and core income growth compared to the previous year. Global Consumer revenues were $7.473 billion, up 6% from the second quarter of 1999. Global Corporate and Investment Bank revenues were $7.855 billion, a 13% increase. Citigroup's preliminary Tier 1 capital ratio was 8.6% for the second quarter of 2000.
This document provides quarterly financial data for Citigroup, including:
- Consolidated financial summaries showing metrics like core income, net income, earnings per share, capital ratios, assets, and returns on equity.
- Segment net revenues and core income broken down by Citigroup's main business segments - Global Consumer, Global Corporate and Investment Bank, and Global Investment Management.
- More detailed financial results for the major businesses within Global Consumer like North America Cards, Mortgage Banking, and International.
- Supplemental financial details including consolidated statements of income, earnings analysis, loan delinquency amounts, and insurance investment portfolio information.
The document contains quarterly and year-to-
Citigroup reported strong financial results for the second quarter and first half of 2000. Core income rose 21% to $3.0 billion for the second quarter and 35% to $6.6 billion for the first half of the year. All of Citigroup's major business segments experienced double-digit income growth, led by the Global Consumer Group and Global Corporate and Investment Bank. Citigroup continued making acquisitions and investments to expand its global businesses and presence on the internet. Chairman and CEO Sanford Weill stated the results demonstrated the impact of the company's market share gains and consistent growth across its businesses.
Citigroup reported its third quarter 2000 financial results. Key highlights include:
- Core income for 3Q 2000 was $3.11 billion, up 27% from 3Q 1999. Year-to-date core income through 3Q 2000 was $9.72 billion, up 32% from the same period in 1999.
- Net income for 3Q 2000 was $3.088 billion, up 27% from 3Q 1999. Year-to-date net income through 3Q 2000 was $9.683 billion, up 34% from the same period in 1999.
- Basic earnings per share for core income in 3Q 2000 was $0.69, up 28% from 3Q 1999.
- Citigroup reported quarterly financial results for 3Q 2000, with net income of $3.088 billion, up 27% from 3Q 1999. Core income was $3.111 billion for the quarter, also up 27% year-over-year.
- Total revenues for Citigroup's Global Consumer segment were $7.515 billion in 3Q 2000, up 5% from 3Q 1999. The Global Corporate and Investment Bank segment reported revenues of $8.097 billion, a 26% increase.
- Total assets reached $805 billion in 3Q 2000, up from $686.8 billion in 3Q 1999. Book value per share increased to $11.55 from $9
Citigroup reported strong third quarter results for 2000, with core income rising 27% to $3.1 billion compared to the third quarter of 1999. Key highlights included:
- Global Consumer core income rose 17% to $1.32 billion, driven by growth in North American cards, mortgage banking, and Asia.
- Global Corporate and Investment Bank core income increased 40% to $1.59 billion, with strong performances from Salomon Smith Barney and emerging markets banking.
- Global Investment Management and Private Banking core income grew 14% to $176 million, with increased revenues across asset management, private banking, and retirement services.
Citigroup reported its quarterly financial results. Some key highlights:
- Core income for Q4 2000 was $3.331 billion, up 11% from Q4 1999.
- Net income for Q4 2000 was $2.84 billion, down 6% from Q4 1999 due to restructuring charges.
- Global Consumer segment revenues grew 9% to $10.243 billion in Q4 2000.
- Global Corporates and Institutions segment revenues grew 16% to $8.464 billion in Q4 2000.
Citigroup reported strong 4th quarter and full-year 2000 earnings. 4th quarter core income was $3.33 billion, an 11% increase, and full-year core income was a record $14.14 billion, up 25%. All of Citigroup's major business segments saw growth in the 4th quarter, led by the Global Consumer Group at 25% growth. For the full year, net income was $13.52 billion. Chairman and CEO Sanford Weill cited the company's global strength and leadership across business lines. Citigroup continued investments in growing markets and internet capabilities.
Citigroup reported its quarterly financial results. Core income decreased 7% from the prior year quarter to $3.66 billion. Total revenues declined across most business segments, with the exception of the Global Consumer segment which increased revenues slightly. Overall, Citigroup saw lower earnings due to weaker market conditions impacting its trading and investment banking businesses. Capital ratios and credit quality metrics remained strong however, positioning Citigroup well despite the challenging environment.
Citigroup reported its financial results for the first quarter of 2001. Net income decreased 8% compared to the first quarter of 2000. Core income, which excludes restructuring and accounting items, decreased 7%. Within its Global Consumer segment, Banking/Lending revenues increased 14% driven by growth in North America Cards, CitiFinancial, and Mortgage Banking. Core income for Banking/Lending increased 21% led by gains in North America Cards, CitiFinancial, and Citibanking North America. Overall, Citigroup's Global Consumer business saw revenues increase 10% and core income rise 18% compared to the first quarter of the prior year.
Citigroup reported core income of $3.66 billion for Q1 2001, a 7% decrease from Q1 2000. Excluding investment activities, core income rose 7% year-over-year. Global Consumer saw core income increase 18% to $1.78 billion driven by growth in US banking and lending. Global Corporate core income declined 7% to $1.75 billion due to weaker investment markets, though revenues grew 11%. Overall, Citigroup achieved solid results despite challenging markets due to the strength and diversity of its businesses.
Citigroup, the largest global financial services company, reported quarterly financial results. Core income decreased 7% year-over-year to $3.66 billion, while net income decreased 8% to $3.54 billion. Revenues increased 6% to $21.05 billion driven by strong growth in North America Cards, Corporate Finance, and emerging markets. Citibanking North America revenues increased 6% to $613 million with core income before taxes up 24% to $271 million.
Citigroup reported its financial results for the first quarter of 2001. Net income decreased 8% compared to the first quarter of 2000. Core income, which excludes restructuring and accounting items, decreased 7%. Within Global Consumer, Banking/Lending revenues increased 14% driven by growth in North America Cards, CitiFinancial, and Mortgage Banking. Core income for Banking/Lending increased 21% led by gains in North America Cards, CitiFinancial, and Citibanking North America.
Citigroup reported a 13% increase in core income to $3.79 billion for Q2 2001 compared to Q2 2000. Revenue grew 8% to $20.3 billion led by 12% growth in the Global Consumer segment. Core EPS grew 14% to $0.74 per share. Several business segments saw strong growth including 40% growth for CitiFinancial, 17% for North America Cards, and 18% for the Private Bank. Despite difficult market conditions, Corporate Finance delivered 12% earnings growth through increased market share.
Citigroup reported quarterly financial data for 3Q 2001. Some key highlights:
- Core income was $3.262 billion for 3Q 2001, down 8% from 3Q 2000. Year-to-date core income was $10.707 billion, down 1% from the same period in 2000.
- Total revenues for 3Q 2001 were $20.294 billion, up 5% from 3Q 2000. Year-to-date total revenues were $61.656 billion, up 6% from the same period in 2000.
- Global Consumer revenues grew 19% to $11.661 billion in 3Q 2001, driven by strength in North America Cards and Banking/L
Citigroup reported financial results for the third quarter of 2001. Citigroup is a global financial services company with operations in over 100 countries. Some key highlights:
- Core income for 3Q 2001 was $3.26 billion, down 8% from 3Q 2000. Year-to-date core income was $10.7 billion, down 1% from the same period in 2000.
- Total revenues for Global Consumer operations were $11.66 billion for 3Q 2001, up 19% from 3Q 2000, driven by growth in North America Cards and Mortgage Banking.
- Revenues for Global Corporate were $8.01 billion for 3Q 2001, down 5% from 3
Citigroup reported third quarter core income of $3.26 billion, down 7% from the prior year due to $700 million in losses from the September 11th attacks. Revenue grew 5% to $20.29 billion while expenses declined 2%. The diversification of Citigroup's businesses allowed growth in many areas, including a 45% increase in CitiFinancial income and a 25% rise in Citibanking income, despite challenges in the market environment from the attacks. Sanford Weill, CEO, expressed confidence that Citigroup would deliver 15% earnings growth in the fourth quarter assuming a stable market.
Citigroup reported its quarterly financial results. Net income for 4Q 2001 was $3.875 billion, up 36% from 4Q 2000. Core income, which excludes certain items, was $3.862 billion for 4Q 2001, up 16% from the prior year. Total revenues for Global Consumer increased 20% to $11.207 billion compared to 4Q 2000, driven by growth in North America Cards, Citibanking North America, and Mortgage Banking. Revenues for Global Corporate were relatively flat compared to the prior year.