FHC L BRASIL A 2017
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YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
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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:
- 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 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ 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
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 ...
How to Prepare Financial Plans
This document provides guidance on preparing financial plans and statements for investors. It discusses the importance of understanding financials to manage a business. The main sections include financial planning, estimating revenues and costs, developing pro forma income statements and balance sheets, determining cash flows, and completing full financial projections for 3-4 years. Key elements that investors want to see are identified, such as 3-4 year forecasts and clear exit strategies. The importance of realistic but not overly conservative estimates is also emphasized.
Sandeep Bhandari_Resume_
Sandeep Bhandari is a Chartered Accountant with over 9 years of experience in treasury management, trade finance, project finance, financial reporting and accounting. He is currently working as a Senior Accountant - Treasury at Meenakshi Energy Pvt. Ltd. in Hyderabad, where he is responsible for forex management, working capital management, trade credit, project financing compliance, investments and financial reporting. Prior to this, he worked as Deputy Manager F&A at Gulf Petrochem India Pvt. Ltd. and has experience working in finance roles for other companies in India and Dubai. He received his CA and B.Com degrees from institutes in Hyderabad.
CAPPADOCE DE CRUDITES SUR UN LIT DE SEMOULE AUX LEGUMES MACEDOINNES
Quand la locomotive cérébrale de deux lobes synthétisent un certain univers culinaire qui firmamence l'excellence gastronomique française. Le solfège de l'art du produit accordé à son piano.
LES PALPITATIONS GOURMANDES DE DECEMBRE
Quand la locomotive cérébrale de deux lobes synthétisent un certain univers culinaire qui firmamence l'excellence gastronomique française. Le solfège de l'art du produit accordé à son piano.
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The document provides a budget report for the 2014-2015 financial year for Bounce Fitness centers in Brisbane, Cairns, Melbourne, Sydney and Head Office. While Brisbane showed steady gains in memberships, it fell short of sales targets for equipment and clothing. Cairns is running at a loss with major declines in attendance and memberships. Melbourne demonstrated steady growth. Sydney has established itself as a top market leader. Head Office will need to closely review legal reporting requirements that were not allocated for in center budgets such as BAS payments.
What Your Accountant Is Not Telling You by Tom Shay and Profits Plus
There is a lot more to accounting for a small business than just debits, credits and a double entry system. There is to be a relationship between the accountant and the client. There is a lot that the client may not know about they can make a big difference in how the accounting task is completed.
(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:
- 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 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
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(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ 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
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10 ...
How to Prepare Financial Plans
This document provides guidance on preparing financial plans and statements for investors. It discusses the importance of understanding financials to manage a business. The main sections include financial planning, estimating revenues and costs, developing pro forma income statements and balance sheets, determining cash flows, and completing full financial projections for 3-4 years. Key elements that investors want to see are identified, such as 3-4 year forecasts and clear exit strategies. The importance of realistic but not overly conservative estimates is also emphasized.
Sandeep Bhandari_Resume_
Sandeep Bhandari is a Chartered Accountant with over 9 years of experience in treasury management, trade finance, project finance, financial reporting and accounting. He is currently working as a Senior Accountant - Treasury at Meenakshi Energy Pvt. Ltd. in Hyderabad, where he is responsible for forex management, working capital management, trade credit, project financing compliance, investments and financial reporting. Prior to this, he worked as Deputy Manager F&A at Gulf Petrochem India Pvt. Ltd. and has experience working in finance roles for other companies in India and Dubai. He received his CA and B.Com degrees from institutes in Hyderabad.
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What Your Accountant Is Not Telling You by Tom Shay and Profits Plus
What Your Accountant Is Not Telling You by Tom Shay and Profits Plus
(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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Customer Journey Map
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
一比一原版(QMUE毕业证书)英国爱丁堡玛格丽特女王大学毕业证文凭如何办理
永久可查学历认证【微信：A575476】【(QMUE毕业证书)英国爱丁堡玛格丽特女王大学毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
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
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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FHC L BRASIL A 2017
- 1. FINANCIAL PLAN L'BRASIL'A 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