This document provides an analysis of Tata Motors, India's largest automobile company. It discusses the company's profile, financial performance, and share price movements. The analysis notes that Tata Motors has a leading position in commercial vehicles in India and is among the top three in passenger vehicles. It also summarizes the company's balance sheet figures, fundamental views on operations and outlook, and provides a technical analysis of the stock price.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that has delivered consistent 20% annual growth. It provides financing to "non-prime" credit customers through over 1,600 dealer partnerships across Canada. Carfinco has refined credit risk management practices and vertically integrated operations that have supported strong and growing financial returns, including impressive annual returns on equity of over 50%. The leadership team emphasizes continued growth and maintaining dividend payments.
This is a custom media dashboard I've developed for a previous Digital campaign (ROI initiative). It is composed of all pertinent metrics illustrated in a clear transparent format that any client would be enamored.
-- Jason Brown
The document analyzes and compares the business strategies, financial performance, and equity valuation of Carnival Corporation and Royal Caribbean, the two largest cruise industry companies. Carnival controls over 50% of the market and pursues a strategy of low costs, while Royal Caribbean has a 25% share and differentiates through innovative experiences. Financial ratios show Carnival has stronger liquidity and profitability, while Royal Caribbean has higher leverage and variability in performance. Forecasts suggest Carnival may be a safer investment but Royal Caribbean has more growth potential if economic conditions improve.
Credit Suisse Group delivered a strong financial performance in Q1 2004, with net income of CHF 1.9 billion compared to CHF 279 million in Q1 2003. Revenue growth was driven by higher client activity and favorable economic conditions. Private Banking saw an 8.4% annualized growth in net new assets of CHF 10.8 billion. Credit Suisse Financial Services recorded net income of CHF 1.1 billion, up 99% from Q4 2003 due to good revenue generation and efficiency improvements. The company remains optimistic for continued progress in 2004 given current economic conditions and client activity levels.
The document is an interim report from Cosway Corporation Limited that summarizes the company's financial results and operations for the first half of its 2011 fiscal year. It states that the company's revenue increased 41.3% compared to the same period last year due to higher growth across most of its markets. Gross profit also rose 43.7% year-over-year. However, the company incurred interest costs related to convertible securities and share-based payment expenses, which reduced net income growth to 23.6% for the period excluding those items. The company also noted costs related to expanding into the US and Japanese markets.
This weekly market wrap from July 16-20, 2012 provides the following key information:
- Broad market indices such as Sensex and Nifty saw modest gains of around 0.3-0.6% over the week.
- Inflation numbers for June came in lower than the previous month.
- Maruti Suzuki's plant shutdown due to violence is estimated to cost $15 million per day.
- The cabinet approved the sale of a 10.82% stake in Steel Authority of India.
- The Sensex rose 0.93% and the Nifty rose 0.99% on hopes of economic reforms in India and ahead of key earnings reports.
- Overseas markets were mixed as the NASDAQ fell 0.43% while European markets rose between 0.49-0.74%.
- On the Nifty, gainers included JP Associates and DLF while losers included Lupin and Cipla.
This document provides an analysis of Tata Motors, India's largest automobile company. It discusses the company's profile, financial performance, and share price movements. The analysis notes that Tata Motors has a leading position in commercial vehicles in India and is among the top three in passenger vehicles. It also summarizes the company's balance sheet figures, fundamental views on operations and outlook, and provides a technical analysis of the stock price.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that has delivered consistent 20% annual growth. It provides financing to "non-prime" credit customers through over 1,600 dealer partnerships across Canada. Carfinco has refined credit risk management practices and vertically integrated operations that have supported strong and growing financial returns, including impressive annual returns on equity of over 50%. The leadership team emphasizes continued growth and maintaining dividend payments.
This is a custom media dashboard I've developed for a previous Digital campaign (ROI initiative). It is composed of all pertinent metrics illustrated in a clear transparent format that any client would be enamored.
-- Jason Brown
The document analyzes and compares the business strategies, financial performance, and equity valuation of Carnival Corporation and Royal Caribbean, the two largest cruise industry companies. Carnival controls over 50% of the market and pursues a strategy of low costs, while Royal Caribbean has a 25% share and differentiates through innovative experiences. Financial ratios show Carnival has stronger liquidity and profitability, while Royal Caribbean has higher leverage and variability in performance. Forecasts suggest Carnival may be a safer investment but Royal Caribbean has more growth potential if economic conditions improve.
Credit Suisse Group delivered a strong financial performance in Q1 2004, with net income of CHF 1.9 billion compared to CHF 279 million in Q1 2003. Revenue growth was driven by higher client activity and favorable economic conditions. Private Banking saw an 8.4% annualized growth in net new assets of CHF 10.8 billion. Credit Suisse Financial Services recorded net income of CHF 1.1 billion, up 99% from Q4 2003 due to good revenue generation and efficiency improvements. The company remains optimistic for continued progress in 2004 given current economic conditions and client activity levels.
The document is an interim report from Cosway Corporation Limited that summarizes the company's financial results and operations for the first half of its 2011 fiscal year. It states that the company's revenue increased 41.3% compared to the same period last year due to higher growth across most of its markets. Gross profit also rose 43.7% year-over-year. However, the company incurred interest costs related to convertible securities and share-based payment expenses, which reduced net income growth to 23.6% for the period excluding those items. The company also noted costs related to expanding into the US and Japanese markets.
This weekly market wrap from July 16-20, 2012 provides the following key information:
- Broad market indices such as Sensex and Nifty saw modest gains of around 0.3-0.6% over the week.
- Inflation numbers for June came in lower than the previous month.
- Maruti Suzuki's plant shutdown due to violence is estimated to cost $15 million per day.
- The cabinet approved the sale of a 10.82% stake in Steel Authority of India.
- The Sensex rose 0.93% and the Nifty rose 0.99% on hopes of economic reforms in India and ahead of key earnings reports.
- Overseas markets were mixed as the NASDAQ fell 0.43% while European markets rose between 0.49-0.74%.
- On the Nifty, gainers included JP Associates and DLF while losers included Lupin and Cipla.
- The Indian equity markets were mostly flat, with the Nifty up 0.15 points and Sensex down 0.18 points.
- European markets were up, while the Dow futures indicated a gain of 4 points.
- Key benchmark indices in India settled flat ahead of the RBI's monetary policy review the next day. Metal and IT stocks saw some movement, while two-wheeler makers rose on expectations of higher sales.
Fundamental Analysis & Analyst Recommendations - World Top Agriculture Co.BCV
This document provides a summary of fundamental analysis and analyst recommendations for several agriculture and food companies. It includes key metrics such as market capitalization, revenue, EBITDA, earnings per share, price-earnings ratios, and credit ratings for each company. Analyst recommendations are not provided in this summary.
Northern Trust Corporation's 2006 annual report summarizes the company's financial performance and strategic initiatives. In 2006, Northern Trust achieved record financial results with net income of $665 million, up 14% from 2005. Total revenues increased 14% to $3.06 billion. The company also made progress on key strategic priorities including expanding blended investment solutions, growing adoption of its WealthPassport technology, and completing major acquisitions and migrations of client assets. Northern Trust positioned itself for continued growth by strengthening its presence in high-growth markets like Asia-Pacific and developing new client relationships.
Cipla is a leading pharmaceutical company in india with a strong and profitab...Mayank Gupt
Cipla is a leading pharmaceutical company in India with over 30 manufacturing plants approved by international regulatory agencies. It has a diversified product portfolio without dependence on any single segment. The company focuses on research and development of new drug delivery systems and medical devices for respiratory medicine. Cipla has a low risk global strategy of partnering with large generic companies and plans to enter specialty segments through partnerships. It enjoys a strong position in the asthma segment. The company faces risks from unfavorable court rulings and increasing raw material costs.
Localiza Rent a Car reported financial results for the first quarter of 2012 with several highlights:
- Revenue grew 16.4% compared to the first quarter of 2011 to R$774.7 million driven by a 17.8% increase in rental revenues.
- EBITDA increased 12.8% to R$210 million compared to the first quarter of 2011.
- Net income grew 14.3% to R$72.7 million compared to the first quarter of 2011.
Localiza Rent a Car reported financial results for the first quarter of 2012 with the following highlights:
- Revenue grew 16.9% to R$774.7 million driven by a 17.8% increase in rental revenues.
- EBITDA increased 12.8% to R$210 million due to revenue growth partially offset by lower margins in the car rental division.
- Net income increased 14.3% to R$72.7 million outpacing the growth in EBITDA due to improved performance below the EBITDA line.
1) Mahindra & Mahindra Ltd is an Indian automobiles and tractor manufacturing company with a market capitalization of Rs. 48,001 crores.
2) In the quarter ending June 2011, the company reported sales of Rs. 6,733.54 crores and a net profit margin of 11.12%.
3) Several mutual funds have significant holdings in Mahindra & Mahindra, including the JM Core 11 Fund and Religare AGILE Fund, reflecting over 8% of their total asset sizes.
This document is Southwest Airlines' annual report for 1998. It discusses the company's financial performance for the year, highlighting record profits and continued growth. It also outlines Southwest's strategy of providing low fares, frequent flights, and good customer service. Examples are given of how this strategy provides customers freedom and flexibility to travel. The report discusses Southwest's continued expansion into new markets and acquisition of new planes. It emphasizes the company's strong financial position and employee culture that has led to ongoing success.
Due to tax exemption schemes, the effective tax rates in Singapore are one of the lowest worldwide and unlike any other jurisdictions, Singapore is widely respected and well-recognizeable for its rule of law, transparency and world-class standards.
Market outlook stoplosstrade 4 th jan 2013jkhbjcapital
The National Stock Exchange's Nifty index ended above 6,000 for the first time in 2 years on hopes of global growth and potential interest rate cuts in India. Software stocks rose over 1% ahead of upcoming earnings reports. Jet Airways shares climbed 5% on potential investment discussions. Traders remained cautious ahead of US debt ceiling negotiations. Option data suggests the market sees resistance at 6,200 and support at 5,800. NMDC and Titan saw increased open interest despite falling prices and are recommended for purchase. IGL and Tata Chemicals saw decreased open interest while prices rose and are recommended for sale.
Bank of Baroda reported a 9% quarter-on-quarter decline in adjusted net profit. Net interest income grew 19% year-over-year and 9% quarter-on-quarter. Loan growth was 22% year-over-year while deposit growth outpaced loans at 25%. Asset quality deteriorated sequentially with gross NPAs rising 6% quarter-on-quarter, but the coverage ratio remained adequate. The bank maintained a buy rating based on comfortable capital levels, best-in-class returns, and minimal concerns over asset quality.
It is a Presentation on Analysis of Fixed and Floating Interest rates of PGCIl Bonds. Also has the issue procedure of Bonds Issue and Characterstics of Bonds( YTM, Duration and Convexity)
The document provides a summary of office market statistics for the third quarter of 2011 across various regions in the GTA (Greater Toronto Area). Some key highlights:
- Total office inventory was 118.4 million sqft, with a vacancy rate of 4.7% and availability rate of 8.0%
- Downtown had the largest office inventory at 70.4 million sqft and a vacancy rate of 4.5%
- The suburbs had the highest overall vacancy rate of 7.1% across 68.4 million sqft of office space
- Average asking rental rates ranged from $16.93/sqft in the Central region to $11.83/sqft in suburban C-class buildings.
The document discusses the financial accounting analysis of Cipla Ltd, an Indian pharmaceutical company. It includes an overview of Cipla, analysis of its balance sheet, cash flows, profitability ratios, share prices, earnings per share, price-earnings ratio and comparisons to competitors. The board of directors report highlights a 12% growth in domestic sales, 16% growth in exports, a 3% decline in operating margins, investments in new production facilities, a reduction in shareholder funds, 55% of revenues from international markets and contribution of $420 million in foreign exchange earnings.
Insurance 2020 - Innovating beyond old modelsChristian Bieck
The document discusses key megatrends shaping the insurance industry in 2020 according to experts at the IBM Institute for Business Value.
1. Active and informed consumers across demographic groups will reward non-traditional operators.
2. Technology will virtualize the insurance value chain and lower barriers to entry.
3. Insurance products will have more granular building blocks, providing more even revenue streams.
4. Regulatory coordination and affirmed industry standards will broaden to international scales.
DMC Team Collaboration Workshop - March 16, 2011DMC, Inc.
Learn More: http://www.dmcinfo.com/sharepoint
Ever feel like you are riding an elephant that refuses to change direction? This feeling is common for leaders who try to make change take hold in an organization.
In the best-selling book, Switch, the Heath brothers describe strategies to address situations where an organization's rider (logic) and elephant (emotion) are at odds in creating change.
Microsoft SharePoint is a great tool for getting your organization to adopt a more collaborative approach to achieving business goals.
With over 100,000,000 world-wide users, Microsoft SharePoint has emerged as the de facto collaboration, search, workflow, and dashboarding platform for business. SharePoint offers business a way to leverage the Microsoft technology they already own to drive their business to operate more efficiently and become more competitive through a multitude of capabilities.
This document provides information about a vision mapping workshop. It defines a vision map as a collage of images and affirmations representing one's dreams and happiness. The document discusses how quilts can convey messages through geometric patterns and how artists use math concepts like rotation in their quilt designs. Examples of historical quilts that tell stories or add symbols are presented, as are artworks that create new languages or remix an artist's previous work. Lukasa boards, which are used to tell personal stories, are also mentioned. The workshop instructions ask participants to make a paper quilt by cutting and arranging shapes, then finish their vision map by adding cutouts and writing about their design.
Sage's Jennifer Warawa commissioned these workshops for CPAs and accountants in 2013 using BLI's i2a: Insight to Action Strategic Thinking Process. These interactive workshops allow CPAs and Accountants to create a compelling vision for the future and an action plan to get there.
Creative workshop on new tools for collaborationP2Pvalue
The P2Pvalue project aims to build a communication and collaboration tool for communities which build and manage commons, such as Wikipedia, Arduino, the bike-lab of your neighbourhood and probably the community you participate in.
This presentation details the results of the two Creative Workshops on New Tools for Collaboration in Communities which took place in Madrid, Spain on May 6th & 8th 2014.
- The Indian equity markets were mostly flat, with the Nifty up 0.15 points and Sensex down 0.18 points.
- European markets were up, while the Dow futures indicated a gain of 4 points.
- Key benchmark indices in India settled flat ahead of the RBI's monetary policy review the next day. Metal and IT stocks saw some movement, while two-wheeler makers rose on expectations of higher sales.
Fundamental Analysis & Analyst Recommendations - World Top Agriculture Co.BCV
This document provides a summary of fundamental analysis and analyst recommendations for several agriculture and food companies. It includes key metrics such as market capitalization, revenue, EBITDA, earnings per share, price-earnings ratios, and credit ratings for each company. Analyst recommendations are not provided in this summary.
Northern Trust Corporation's 2006 annual report summarizes the company's financial performance and strategic initiatives. In 2006, Northern Trust achieved record financial results with net income of $665 million, up 14% from 2005. Total revenues increased 14% to $3.06 billion. The company also made progress on key strategic priorities including expanding blended investment solutions, growing adoption of its WealthPassport technology, and completing major acquisitions and migrations of client assets. Northern Trust positioned itself for continued growth by strengthening its presence in high-growth markets like Asia-Pacific and developing new client relationships.
Cipla is a leading pharmaceutical company in india with a strong and profitab...Mayank Gupt
Cipla is a leading pharmaceutical company in India with over 30 manufacturing plants approved by international regulatory agencies. It has a diversified product portfolio without dependence on any single segment. The company focuses on research and development of new drug delivery systems and medical devices for respiratory medicine. Cipla has a low risk global strategy of partnering with large generic companies and plans to enter specialty segments through partnerships. It enjoys a strong position in the asthma segment. The company faces risks from unfavorable court rulings and increasing raw material costs.
Localiza Rent a Car reported financial results for the first quarter of 2012 with several highlights:
- Revenue grew 16.4% compared to the first quarter of 2011 to R$774.7 million driven by a 17.8% increase in rental revenues.
- EBITDA increased 12.8% to R$210 million compared to the first quarter of 2011.
- Net income grew 14.3% to R$72.7 million compared to the first quarter of 2011.
Localiza Rent a Car reported financial results for the first quarter of 2012 with the following highlights:
- Revenue grew 16.9% to R$774.7 million driven by a 17.8% increase in rental revenues.
- EBITDA increased 12.8% to R$210 million due to revenue growth partially offset by lower margins in the car rental division.
- Net income increased 14.3% to R$72.7 million outpacing the growth in EBITDA due to improved performance below the EBITDA line.
1) Mahindra & Mahindra Ltd is an Indian automobiles and tractor manufacturing company with a market capitalization of Rs. 48,001 crores.
2) In the quarter ending June 2011, the company reported sales of Rs. 6,733.54 crores and a net profit margin of 11.12%.
3) Several mutual funds have significant holdings in Mahindra & Mahindra, including the JM Core 11 Fund and Religare AGILE Fund, reflecting over 8% of their total asset sizes.
This document is Southwest Airlines' annual report for 1998. It discusses the company's financial performance for the year, highlighting record profits and continued growth. It also outlines Southwest's strategy of providing low fares, frequent flights, and good customer service. Examples are given of how this strategy provides customers freedom and flexibility to travel. The report discusses Southwest's continued expansion into new markets and acquisition of new planes. It emphasizes the company's strong financial position and employee culture that has led to ongoing success.
Due to tax exemption schemes, the effective tax rates in Singapore are one of the lowest worldwide and unlike any other jurisdictions, Singapore is widely respected and well-recognizeable for its rule of law, transparency and world-class standards.
Market outlook stoplosstrade 4 th jan 2013jkhbjcapital
The National Stock Exchange's Nifty index ended above 6,000 for the first time in 2 years on hopes of global growth and potential interest rate cuts in India. Software stocks rose over 1% ahead of upcoming earnings reports. Jet Airways shares climbed 5% on potential investment discussions. Traders remained cautious ahead of US debt ceiling negotiations. Option data suggests the market sees resistance at 6,200 and support at 5,800. NMDC and Titan saw increased open interest despite falling prices and are recommended for purchase. IGL and Tata Chemicals saw decreased open interest while prices rose and are recommended for sale.
Bank of Baroda reported a 9% quarter-on-quarter decline in adjusted net profit. Net interest income grew 19% year-over-year and 9% quarter-on-quarter. Loan growth was 22% year-over-year while deposit growth outpaced loans at 25%. Asset quality deteriorated sequentially with gross NPAs rising 6% quarter-on-quarter, but the coverage ratio remained adequate. The bank maintained a buy rating based on comfortable capital levels, best-in-class returns, and minimal concerns over asset quality.
It is a Presentation on Analysis of Fixed and Floating Interest rates of PGCIl Bonds. Also has the issue procedure of Bonds Issue and Characterstics of Bonds( YTM, Duration and Convexity)
The document provides a summary of office market statistics for the third quarter of 2011 across various regions in the GTA (Greater Toronto Area). Some key highlights:
- Total office inventory was 118.4 million sqft, with a vacancy rate of 4.7% and availability rate of 8.0%
- Downtown had the largest office inventory at 70.4 million sqft and a vacancy rate of 4.5%
- The suburbs had the highest overall vacancy rate of 7.1% across 68.4 million sqft of office space
- Average asking rental rates ranged from $16.93/sqft in the Central region to $11.83/sqft in suburban C-class buildings.
The document discusses the financial accounting analysis of Cipla Ltd, an Indian pharmaceutical company. It includes an overview of Cipla, analysis of its balance sheet, cash flows, profitability ratios, share prices, earnings per share, price-earnings ratio and comparisons to competitors. The board of directors report highlights a 12% growth in domestic sales, 16% growth in exports, a 3% decline in operating margins, investments in new production facilities, a reduction in shareholder funds, 55% of revenues from international markets and contribution of $420 million in foreign exchange earnings.
Insurance 2020 - Innovating beyond old modelsChristian Bieck
The document discusses key megatrends shaping the insurance industry in 2020 according to experts at the IBM Institute for Business Value.
1. Active and informed consumers across demographic groups will reward non-traditional operators.
2. Technology will virtualize the insurance value chain and lower barriers to entry.
3. Insurance products will have more granular building blocks, providing more even revenue streams.
4. Regulatory coordination and affirmed industry standards will broaden to international scales.
DMC Team Collaboration Workshop - March 16, 2011DMC, Inc.
Learn More: http://www.dmcinfo.com/sharepoint
Ever feel like you are riding an elephant that refuses to change direction? This feeling is common for leaders who try to make change take hold in an organization.
In the best-selling book, Switch, the Heath brothers describe strategies to address situations where an organization's rider (logic) and elephant (emotion) are at odds in creating change.
Microsoft SharePoint is a great tool for getting your organization to adopt a more collaborative approach to achieving business goals.
With over 100,000,000 world-wide users, Microsoft SharePoint has emerged as the de facto collaboration, search, workflow, and dashboarding platform for business. SharePoint offers business a way to leverage the Microsoft technology they already own to drive their business to operate more efficiently and become more competitive through a multitude of capabilities.
This document provides information about a vision mapping workshop. It defines a vision map as a collage of images and affirmations representing one's dreams and happiness. The document discusses how quilts can convey messages through geometric patterns and how artists use math concepts like rotation in their quilt designs. Examples of historical quilts that tell stories or add symbols are presented, as are artworks that create new languages or remix an artist's previous work. Lukasa boards, which are used to tell personal stories, are also mentioned. The workshop instructions ask participants to make a paper quilt by cutting and arranging shapes, then finish their vision map by adding cutouts and writing about their design.
Sage's Jennifer Warawa commissioned these workshops for CPAs and accountants in 2013 using BLI's i2a: Insight to Action Strategic Thinking Process. These interactive workshops allow CPAs and Accountants to create a compelling vision for the future and an action plan to get there.
Creative workshop on new tools for collaborationP2Pvalue
The P2Pvalue project aims to build a communication and collaboration tool for communities which build and manage commons, such as Wikipedia, Arduino, the bike-lab of your neighbourhood and probably the community you participate in.
This presentation details the results of the two Creative Workshops on New Tools for Collaboration in Communities which took place in Madrid, Spain on May 6th & 8th 2014.
This presentation is an interactive workshop to use with clients to help them understand and develop mission and mission statements. It was prepared for the CMO and head of retail for Dime Savings Bank of Williamsburg, but can be applied to any business. In this presentation you will learn the difference between these two commonly blurred company statements, go through interactive exercises to help develop them, and learn from the best visions and missions in the business.
This document provides information about a workshop on using canvases to create a shared product vision and backlog. It introduces various canvases including a product vision board, business model canvas, and product canvas. The product vision board helps capture initial assumptions about the product. The business model canvas helps capture the business model. The product canvas helps create the product backlog and features continuous learning from user feedback. An example of how these canvases could be used for Amazon in 2005 is also provided.
This document proposes a radio station run by a school to broadcast to students in years 7-13 and their parents. It would provide entertainment and bring the local community together. Primary research with students found interest in radio. Secondary research graphs showed most listeners tune in for short periods via portable devices and prefer certain stations. A programme timetable with variety is proposed to appeal to different audiences.
The document discusses a proposed radio program for the municipality of Poro in Camotes, Cebu, Philippines. The objectives of the program are to (1) raise awareness among residents of landslide-prone mountain barangays, (2) encourage community participation in monitoring natural resources, (3) provide guidelines to prevent landslides, and (4) encourage local governments to preserve the environment. The program titled "Pagmatngon" would focus on local news, updates on monitoring at-risk areas, instructions on environmental preservation, drama, and discussions about protecting natural resources in their community.
This document provides an analysis of the balance sheet of Maruti Suzuki for the years 2009-2010. It begins with an introduction and overview of the company, including its vision, mission, market scenario, and sales analysis. Financial highlights for Maruti Suzuki from 2009-2010 are presented, including net sales, profit before tax, reported net profit, and earnings per share. The document then discusses the objectives of financial analysis and ratio analysis. It provides classifications and calculations of various ratios to analyze Maruti Suzuki's profitability, liquidity, activity, and leverage. The conclusion indicates that the report gives a complete financial analysis of Maruti Suzuki for five years through the use of ratio analysis.
Fiddle - Presidio MBA team project - M. Chic, E. Irvine, B. Mascioli, J. WiseMatthew Chic
The document discusses the growth of the sharing economy or collaborative consumption market. It provides data on the market size, which was valued at $8 billion in collective funding in 2012 and $110 billion in total market value in 2011. It also shares statistics on the opportunity for individuals, with the average person in New York City able to earn $21,000 per year in the sharing economy. The document outlines the key players in the sharing economy landscape and reviews Fiddle's business model, revenue projections, and financial statements, positioning Fiddle as a platform to connect individuals and companies in the sharing economy.
The document discusses the growth of the sharing economy or collaborative consumption market. It provides data on the market size, which was valued at $8 billion in collective funding in 2012 and $110 billion in total market value in 2011. It also shows a chart depicting strong growth in the number of sharing economy companies from 2011 to mid-2012. The document discusses opportunities in the sharing economy to earn extra income by renting out goods that would otherwise sit idle, such as cars. It presents the sharing economy as enabling more efficient use of resources.
This document provides an annual report for Sysco Corporation for the fiscal year ending July 3, 2004. It includes financial highlights showing sales increased 12% to $29.3 billion and net earnings increased 17% to $907 million. It discusses challenges in the year from high product cost inflation of 6.3% and fuel costs. It outlines Sysco's focus on growing profitable customer businesses and improving customer relationships. It describes Sysco's national supply chain initiative including new regional distribution centers to enhance service and reduce costs. In closing, it expresses confidence in addressing economic uncertainty through its employees, products/services, and financial resources.
The CMO Site was launched in December 2010. Over the past 15 months it has averaged over 137,000 page views, 95,000 unique visitors, and 3,000 messages posted per month. The site has over 8,500 registrants and followers on social media platforms. It provides marketing executives a community to discuss topics like social media, mobile, analytics, and metrics. The site's CMO University online courses have attracted over 1,500 students. User testimonials praise the site for providing valuable insights and focusing on emerging issues. In its first year, the site won an award for outstanding web development from the Web Marketing Association.
This document provides information on Infosys, including its hierarchy, mission, vision, market operation, capitalization, and comparative study with TCS. It discusses Infosys' board of directors and management. It also includes quarterly financial reports, capital structure, dividend history, and a comparative analysis of sales and profits between Infosys and TCS. The budget effects on the IT industry are noted, with higher taxes from the increased MAT rate potentially hurting IT companies.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation discusses Carfinco's growing loan portfolio and revenues, increasing earnings per share, and impressive return on equity. Key highlights include a loan portfolio that has grown to $172.5 million, annualized revenues of $67.1 million, quarterly earnings per share of $0.19, and an annualized return on equity of 79.4%. The analysts cited have target share prices ranging from $10 to $12 and view Carfinco positively.
Carfinco Financial Group Inc. is an auto finance company that provides loans to non-prime borrowers. The presentation summarizes the company's consistent growth and profitability, analyst forecasts, competitive position in the Canadian market, and leadership team. Key highlights include a 20% annual growth in loan originations and portfolio size, 11 consecutive quarters of record earnings, and analyst price targets of $10-12 per share.
Carfinco Financial Group Inc. is a uniquely positioned auto finance company that provides loans to non-prime borrowers. It has delivered consistent 20% annual growth. Key highlights include record loan originations and portfolio levels, low delinquency rates, an experienced management team with significant ownership stakes, and 12 consecutive quarters of record earnings. Management sees no signs of an economic downturn and aims to increase the finance receivable portfolio by 20% annually. Analysts have target prices between $11-12 and see Carfinco as a top pick.
Carfinco Financial Group Inc. is a provider of auto financing to non-prime borrowers. The presentation highlights Carfinco's consistent growth, strong financial performance, and positive outlook. Analysts have set target prices between $11-12 per share and forecast continued revenue and earnings growth in 2012. Carfinco has a large and geographically diverse loan portfolio, stringent credit controls, and obtains funding through a $130 million credit facility.
The document summarizes the financial performance of Bed Bath & Beyond for fiscal years 2003, 2002, and 2001. Some key highlights include:
- Net sales increased 25.2% in fiscal 2003 and 22.2% in fiscal 2002.
- Gross profit increased 25.8% in fiscal 2003 and 22.4% in fiscal 2002.
- Operating profit increased 13.1% as a percentage of net sales in fiscal 2003, up from 11.8% in fiscal 2002 and 11.4% in fiscal 2001.
- Selling, general and administrative expenses decreased as a percentage of net sales, from 29.4% in fiscal 2002 to 28.3% in fiscal 2003.
The document summarizes the financial performance of Bed Bath & Beyond for fiscal years 2003, 2002, and 2001. Some key highlights include:
- Net sales increased 25.2% in fiscal 2003 and 22.2% in fiscal 2002.
- Gross profit increased 25.8% in fiscal 2003 and 22.4% in fiscal 2002.
- Operating profit increased to 13.1% of net sales in fiscal 2003, up from 11.8% in fiscal 2002 and 11.4% in fiscal 2001.
- The company saw continued sales and profit growth over the three year period presented in the document.
The document summarizes a public meeting held by Banco Indusval Multistock on August 19, 2010.
Banco Indusval Multistock is a mid-sized Brazilian bank with over 40 years of experience in the financial market, focusing on lending to mid-market companies. The bank has a loan portfolio of R$1.8 billion, total assets of R$3 billion, and equity of R$430 million.
The meeting covered the bank's loan portfolio performance, funding and liquidity, results, brokerage business, capital markets activities, and sustainability efforts. Key topics included the bank's growth strategy, credit trends in Brazil, quality of the loan portfolio, and sources of funding
STUDY OF DIVIDEND PAYOUT PATTERN OF AUTOMOBILE COMPANIESBenu Singhal
The document studies the dividend payout patterns of 5 major automobile companies over 5 years. It analyzes metrics like dividend yield, payout ratio, and debt-equity ratio. The study finds that while companies aim to maintain stable dividend policies, external factors like recessions may cause variations in certain years.
The document is W.R. Berkley Corporation's 2003 Annual Report. It summarizes the company's strong financial performance in 2003, including record net income of $337 million, return on equity of 25.3%, and growth in net premiums written and cash flow from operations. It highlights the company's decentralized business model, focus on risk-adjusted returns, and people-oriented strategy of developing talent internally. Financial data tables show key metrics from 1999-2003.
Pivotal: Madison & Wall The Temperature of Online Advertising September 28, 2012Brian Crotty
This document provides an analysis of current conditions in the online advertising industry based on the author's recent outreach to industry contacts. It finds that Google remains very strong, Facebook is experiencing some moderation, and Yahoo remains weak. It also finds that real-time bidding/exchanges and online video are growing areas, while large brands have cooling interest in mobile advertising. Financial and operating metrics are provided for several companies in the online advertising space.
The document appears to be a portfolio from Lawrence Samuels including details about his skills in corporate valuation, accounting, statistics, and additional tools. It includes a case study and analysis of Thumbs Up Corporation, a company that launched two projects to generate buzz about new products and establish a customer base. Samuels provides forecasts and analyses of Thumbs Up Corporation's sales, budgets, expansion projects, and marketing strategies.
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CU*Answers CEO Strategies Collaboration Workshop
1. Making the
“Partnering With You”
Challenge of 2006 a Reality
Collaboration Workshop
CU*Answers CEO Strategies Week
November 26-30, 2007
2. Setting the Stage
We have extra capacity
We wish to serve as many members as possible
We wish to secure the future of our firms, our staffs, and
even ourselves
In the long term, it might not be enough to go after
members one at a time
Large blocks of members are being traded, sold,
abandoned
It’s time to act individually...it’s time to act collaboratively
If you don’t believe these statements, if your CU’s business plan doesn’t
agree with these statements, then we need to talk
It’s all about perspective...do you see yourself as part of a network?
2
3. Trading Places
Members as a Block of Opportunity
CUs Under 1,000 Members Leaving the Market
2004 2007 # Change % Change
IL 232 193 39 -16.8%
IN 51 40 11 -21.6% 19
14
MI 62 48 14 -22.6%
39
OH 175 121 54 -30.9% 54
11
WI 97 78 19 -19.6%
617 480 137 -1.11%
Change 137 -22.2%
3
4. Trading Places
Members as a Block of Opportunity
CUs 1,000-5,000 Members Leaving the Market
2004 2007 # Change % Change
IL 181 166 15 -8.3%
IN 103 94 9 -8.7% 16
27
MI 148 121 27 -18.2%
15
OH 204 174 30 -14.7% 30
9
WI 108 92 16 -14.8%
744 647 97 -0.65%
Change 97 -13.0%
4
5. Trading Places
Members as a Block of Opportunity
CUs 5,000-10,000 Members Leaving the Market
2004 2007 # Change % Change
IL 33 31 2 -6.1%
IN 34 30 4 -11.8% 3
19
MI 95 76 19 -20.0%
2
OH 68 62 6 -8.8% 6
4
WI 43 40 3 -7.0%
273 239 34 -0.54%
Change 34 -12.5%
5
6. Trading Places
Members as a Block of Opportunity
CUs 10,000+ Members Leaving the Market
2004 2007 # Change % Change
IL 55 55 0 0.00%
IN 44 44 0 0.00% 4
7
MI 122 115 7 -6.09%
0
OH 73 68 5 -7.35% 5
0
WI 46 42 4 -9.52%
340 324 16 -0.23%
Change 16 -4.7%
6
7. Our Specialty...Our Market Niche
Matching Your Expertise With These Members’ Needs
Total # of CUs Leaving the Market CU*BASE Partners
# of CUs
Under 1,000 3
42
1,000-5,000 42
67
5,000-10,000 37
56 95
24
10,000+ 31
Our business models relate well to
the shift in our industry
We are not going away; we are on the
edge of adding more to our ranks,
both CUs and their memberships
7
8. www.cuasterisk.com
Inspiring Centers of Collaboration and Strategies for Growth
If a CUSO could be at the center, be the gravity for collaboration...why
couldn’t your credit union? Does your credit union’s business plan
include collaboration as a growth strategy?
8
9. www.cuasterisk.com
Inspiring Centers of Collaboration and Strategies for Growth
If a CUSO could be at the center, be the gravity for collaboration...why
couldn’t your credit union? Does your credit union’s business plan
include collaboration as a growth strategy?
9
10. Collaboration Is a Solution
Collaboration is a Competitive Edge For Growth
From the 2007 CEO Strategies event to
the 2008 Business Plan
Hunting for innovation also means inspiring
others to hunt, gathering an audience of
hunters, then responding to their lead...and
benefiting from them recognizing both our
response and leadership in driving executable solutions
In other words...
Winning at the old game, inspiring a new game, and
executing the transition from the past to the
present...and making a buck along the way
10
11. On the Road to a New Future
2006 CEO Strategies Event
Acquiring Credit Unions
– What if CU*Answers could find credit union
opportunities for credit unions?
– New Age Strategies
• A new age consolidation strategy
• A new age networked business strategy
Growing a Network
– We can innovate
Marketing Your Intentions to the Industry
– Prototype credit union brochure
The Scholarship Program
11
12. Acquiring Credit Unions
Inspiring Opportunities
What if CU*Answers could find (inspire) credit union
opportunities for credit unions?
Putting Our $$ Where Our Mouth Is
• Financial support for credit union
collaborations $4,000 waived member fees per
month in 2007
Waiving member fees for one year
for new membership blocks
• Tools for collaborative strategies Major investment in multi-corp
software development with 2 active
Multi-corp, SRS templates, and other
partners in 2007
misc. shared business models
National events such as Filene,
• Selling the idea to the credit union
CURTS, NACUSO...anywhere that
marketplace will listen
12
13. www.cuasterisk.com
Inspiring Centers of Collaboration and Strategies for Growth
FISCAL YEAR 2004 2005 2006 2007
Count Members Count Members Count Members Count Members
CU*BASE to CU*BASE mergers 1 3,301 1 5,727 1 2,602 2 4,456
Outside mergers 5 15,750 4 6,095 1 1,816
Migrations to online 1 5,966 1 20,271
Migrations to CU*NW 1 (1,228)
Conversions 6 50,568 11 115,018 11 87,138 11 94,578
Deconversions 1 (1,906) 4 (81,989)
NET TOTALS 12 69,619 16 126,840 15 92,572 19 39,132
Whether it’s the CUSO bringing in new partners, or
credit unions bringing in new partners, our
collaboration and our individual business plans are
linked to network growth
13
14. www.cuasterisk.com
Inspiring Centers of Collaboration and Strategies for Growth
FISCAL YEAR 2004 2005 2006 2007
Count Members Count Members Count Members Count Members
Beyond that, 1 our network 2,602
CU*BASE to CU*BASE mergers 1 3,301 5,727 1 2 4,456
Outside mergers offers aggressive
5 15,750 4 6,095 1 1,816
financial support to de 5,966
Migrations to online 1 1 20,271
Migrations to CU*NW
novo credit union efforts (1,228)
1
Conversions 6 50,568 11 115,018 11 87,138 11 94,578
as well
Deconversions 1 (1,906) 4 (81,989)
NET TOTALS 12 69,619 16 126,840 15 92,572 19 39,132
Whether it’s the CUSO bringing in new partners, or
credit unions bringing in new partners, our
collaboration and our individual business plans are
linked to network growth
14
15. Acquiring Credit Unions
New Age Strategies
Direct support for credit unions Attract credit unions to the
whose business plan is to CU*Answers collaborative who
grow and better serve their see the value in partnering and
members through strategic participating in an operational
partnerships with other credit network - A New Age
union charters - A New Age Networked Business
Consolidation Strategy Strategy
These are credit unions who These are credit unions who
want to lead from the driver’s recognize the need to extend
seat and be proactive their model into the future and
acquirers of partners want to accomplish that
through partnerships
Two stories, two tracks, two ways to get the job done
15
16. New Age Consolidation Strategy
The Affinity Group Story
In one year, Affinity Group CU went from $37M to $120M
of member assets combined into one network
Uses a unique combination of multi-corp and
independent CU files to lead the new organization
Expanded the employee team to 58 serving 20,000
members daily
Participate in 5 different CUSOs
Affinity Group CU has aggressive
service goals for 2008
16
17. New Age Networked Business Strategy
The Shared Resources and Staff (SRS) Story
These are models of how to build shared businesses for key
credit union operational needs
They are available to any of our partners to use directly, one-
on-one between the CUSO and their credit union
They are available for any of our CUSO partners to use to
start businesses directly with their owners and clients
They are available to any credit union
with the mindset to start a peer-to-peer
business with other credit unions
We hope they are working
templates for collaborative
businesses that fuel
credit union growth
17
18. New Age Networked Business Strategy
The Shared Resources and Staff (SRS) Story
Can we inspire a new wave of innovative collaboration
before it’s too late?
Will our leaders seize the power of network business
development?
Can credit unions use the vendor model
as a template for a new network design?
So when you think SRS is just about
CU*Answers and Xtend making money as
vendors, you have it all wrong...
It is about inspiring CU leaders with templates
that assure them it can be done
18
19. Growing a Network
Do We Have the Components To Collaborate Efficiently?
Servicing an
Servicing a Servicing a
Employee
Corporation Membership
Base
Business policies, Communicating and Nurturing credit union
procedures, creating value with advocates and
compliance, strategies, credit union building the careers of
leadership... consumers our employees
To effectively collaborate and service every element of a credit union, we
need tools that allow us to coordinate the keys to success
19
20. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
Point to Point
20
21. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
What is the
opportunity, and
where is it
focused?
Point to Point
21
22. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
A Hub
22
23. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
What is the
opportunity, and
where is it
focused?
A Hub
23
24. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
A Network
24
25. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
What is the
opportunity, and
where is it
focused?
A Network
25
26. Growing a Network
Do We Have the Intent to Drive Opportunity Through
Collaboration?
Which is bigger? The
opportunity of one, or
the opportunity of all?
A network multiplies
the work of one into an
opportunity for all of its
participants
So as leaders and builders of businesses, can we turn away from a model that
magnifies the opportunity for every one of us?
We need to build, buy, trade, and find opportunity as a collaborative
26
27. Acting On Our Beliefs
“Okay, I see the light. I’m going to link together all
these membership bases and build an organization,
or I’m going to change my organization so it can be
part of a network of credit union membership basis.
So how do I merge?”
28. It’s Not a One Trick Pony
Network Strategies Allow Many Opportunities for Collaboration
It’s not surprising that CUs always seem to assume that
collaboration equals merger
Everywhere you look, merger consultants are popping
up and people with M&A skills are seeing CUs as a
potential audience
Two schools of thought for all of us:
– Anti-merger: How can we show that collaboration doesn’t mean
consolidation?
– Effective mergers: How can we create a process that allows us
to earn from consolidation?
The trick for CU*Answers and this network is to create
an environment where individuals with totally opposite
points of view coexist and succeed together
28
29. Marketing Your Intentions
To Compete, You Need a Clear Competitive Advantage
Have you hung out your shingle?
Do you have a message that might be seen as a better
way?
Are you building processes and strategies to be
successful at collaboration?
Can you communicate your skills?
Can you negotiate diversity?
Can you inspire collaboration?
Can you win the next opportunity?
29
30. Hanging Out Our Collaborative’s Shingle
Our Partnership’s Strategy for Collaborative Growth
A Turnaround Program
– An investment in the continued success of credit unions, one
charter at a time
– An investment in building futures with new network partners
– An investment in securing an opportunity for one of our network
partners based on a worse-case scenario
– Banking on our peers
– Banking on members
– Banking on our philosophy
30
31. Scholarship Program
How many candidates should we consider each year?
What are the criteria for selecting worthy candidates?
Investment maximums?
Should we get sponsors from our owners only?
Contract terms?
How should we market?
Which states?
31
32. Conclusion
At the core of everything is one simple belief: When
people collectively work on the goals and aspirations of
their partners more than their own, good things happen
CU*Answers is about the business plans of credit
unions; credit unions are about the dreams and hopes of
members
A cascading collaboration to simply improve the situation
of people, one person at a time
How can we lose?
32