FHC CHINA ASIA 2017
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This document outlines the financial plan and needs for China Asia from 2015 to 2017. It shows investments of $5 million in 2015, self-financing capacity of $2.9 million, and bank borrowings of $1.5 million for total resources that year. The plan also accounts for factors like stock rotation, credit terms, and tax rates to calculate the needed working capital.
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(1) See page 20 for a discussion of non-IFRS measures.(2
This document provides a summary of CWB Financial Group's annual report for 2020. It includes a 5-year financial summary, performance dashboard, messages from the President/CEO and Board Chair, and discusses the company's strategy and priorities. Key points include:
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(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
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1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
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This document provides a summary of CWB Financial Group's annual report for 2020. It includes a 5-year financial summary, performance dashboard, messages from the President/CEO and Board Chair, and discusses the company's strategy and priorities. Key points include:
- Revenue grew to $897 million in 2020, with net income of $249 million.
- Total loans increased 6% to $30 billion and total assets grew 8% to $33.9 billion.
- The company is focused on transforming its business through initiatives like enhancing digital capabilities and transitioning to an AIRB capital methodology.
- CWB was recognized as one of Canada's best workplaces and aims to be an employer of choice
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
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10 ...
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
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48
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Shah Tubes Ltd is a leading steel tubes manufacturer in India with five manufacturing plants. It aims to double production capacity to 1 million tonnes annually by 2015. The document discusses Shah Tube's working capital management, including components, operating and working capital cycles, ratios, and comparison to peers. It provides recommendations like increasing creditors cycle to 60 days, exploring factoring, and using innovative export financing options to improve liquidity and reduce interest costs.
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(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.(2
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◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(lbs毕业证书)英国伦敦商学院毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(lbs毕业证书)英国伦敦商学院毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(lbs毕业证书)英国伦敦商学院毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(lbs毕业证书)英国伦敦商学院毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
The Enigmatic Gemini: Unveiling the Dual Personalities
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FHC CHINA ASIA 2017
- 1. FINANCIAL PLAN CHINA ASIA FINANCIAL NEEDS 2015 2016 2017 Investments 5 000 000 0 0 Borrowing refunds 195 736 0 0 Reduction of capital Distribution of dividends 0 Increased in working capital #REF! #REF! #REF! Others needs Total needs #REF! #REF! #REF! Financial resources Self financing capicity 2 939 532 0 0 Bank borrowings 1 500 000 Increased of capital 0 Dimunition working capital #REF! #REF! #REF! Others resources Total resources #REF! #REF! #REF! Cash beginning exercise #REF! #REF! Annual cash flow #REF! #REF! #REF! Cash ending exercise #REF! #REF! #REF! Need in working capital Term stock rotation by day 14 14 14 Customer credit duration in days 1 1 1 Lenght of supplier credit by day 7 7 7 Average tax rate on sales Average tax rate on buyings Stock of contents 44992 0 0 Guests 22455 0 0 Suppliers 22496 0 0 Tax and social security debts #REF! #REF! #REF! Need in working capital #REF! #REF! #REF! Variation in need working capital #REF! #REF! TO BE ANALYSED