The document summarizes an A/B test of different versions of a fantasy football landing page. The LONG version provided extensive information without mentioning price, while the PRICE version prominently displayed the price with minimal other information. Statistical analysis found that LONG had a higher rate of league creation, while PRICE had a higher rate of paid league creation. Eye tracking and user testing found mixed preferences among versions. The study recommends testing combinations of LONG and PRICE approaches in future iterations.
2012 State of the Vending Industry Report - Automatic Merchandiser - June / J...Steven Duque
The road to recovery has been slow in the recession, for both automatic merchandising and the multiple industries it serves. Fiscal 2011 saw trends from the previous year continue, as the vending industry slowly recovers from the massive fallout of the Great Recession. In 2011, industry sales declined for the fourth consecutive year, although at a progressively slower rate. The 1.5 percentage point sales decline in 2011 was half the rate posted in 2010, indicating vending operators made progress in
stemming the downward trend.
Igtm pre event golf survey by sports marketing survey - part IMS-Co
The survey found:
1) Spain was the most popular recent international golf destination at 17%, followed by Portugal at 13% and the United States at 7%.
2) 37% of respondents had not taken an international golf trip in the past 5 years.
3) When considering future destinations, recommendations from friends were most important to respondents, followed by golf magazines and online reviews/golf networks. Price, variety of courses, and golf being included in packages were also very important factors.
4) Economic factors like currency exchange rates and fuel costs have at least a little impact on most respondents' decisions to take an international golf trip.
capital onePrinter Friendly Version of the Conference Call Presentationfinance13
- Fourth quarter 2008 results showed a loss due to higher provision expense and a goodwill write-down. The losses were driven by deterioration in credit performance as economic conditions worsened.
- Credit losses and delinquency rates increased across all lending segments as unemployment rose. The allowance for loan losses was increased substantially.
- Deposits grew significantly while margins declined due to credit costs and mix shift to lower-yielding assets. Expenses declined due to cost management efforts.
- An impairment charge was taken for goodwill in the Auto Finance segment. The balance sheet and liquidity remain strong despite the difficult environment.
Google Automotive provides this data and presentation to automotive marketing professionals.
The ADM Professional Community is a living example of the compelling value proposition for online communities that serve the automotive industry. ADM serves as proof that the impact of Social Media on the automotive vertical is more significant than widely understood. Be sure to visit the ADM Professional Community at http://www.AutomotiveDigitalMarketing.com or the acronym URL at http://www.ADMPC.com or the Twitter URL at http://ADM.fm today, and don't just be a Lurker... Join!
1) In 2008, the top five industries for bankruptcy were: retail at 27%, construction at 17%, real estate at 16%, manufacturing at 13%, and food services at 5%.
2) Total bankruptcies in 2008 were 40.1, down from 45.1 in 2007, with retail making up 34% of total filings.
3) By quarter in 2008, bankruptcies were highest in Q1 at 20% of the total for the year.
Ford Motor Company is focused on delivering affordable fuel economy through investments in new technologies, electrifying their global vehicle lineup, and strengthening their car brands. Some key highlights include $14 billion being invested in new technologies to improve fuel economy by 36% by 2015, plans to make EcoBoost available on 90% of nameplates by 2013, and introducing plug-in hybrids and electric vehicles over the next few years. Ford is also committed to remaining the top-selling truck brand in America and growing the popularity of vehicles like the Fusion and Focus.
The document summarizes the results of a June 2012 consumer survey. It finds that consumer confidence in the economy is at its lowest level since 2007. One in four adults expect more layoffs over the next six months, despite declining unemployment rates. Less than one in five expect fewer layoffs. Over a third of adults did not save any of their annual income in the last year. Those saving small amounts are declining since 2007 levels.
This survey was conducted from June 10th to June 18th, 2011 and received 869 responses from iPhone and Android users in Japan who had the AdMaker application installed. The majority of respondents were males in their 20s-30s who were students or employed. Most iPhone users viewed and clicked on ads sometimes, while Android users were more likely to never view or click on ads. Both groups primarily took no action after viewing ads. Entertainment, games, and social networking were the most frequently used app categories. Android users expressed varying levels of concern about security.
2012 State of the Vending Industry Report - Automatic Merchandiser - June / J...Steven Duque
The road to recovery has been slow in the recession, for both automatic merchandising and the multiple industries it serves. Fiscal 2011 saw trends from the previous year continue, as the vending industry slowly recovers from the massive fallout of the Great Recession. In 2011, industry sales declined for the fourth consecutive year, although at a progressively slower rate. The 1.5 percentage point sales decline in 2011 was half the rate posted in 2010, indicating vending operators made progress in
stemming the downward trend.
Igtm pre event golf survey by sports marketing survey - part IMS-Co
The survey found:
1) Spain was the most popular recent international golf destination at 17%, followed by Portugal at 13% and the United States at 7%.
2) 37% of respondents had not taken an international golf trip in the past 5 years.
3) When considering future destinations, recommendations from friends were most important to respondents, followed by golf magazines and online reviews/golf networks. Price, variety of courses, and golf being included in packages were also very important factors.
4) Economic factors like currency exchange rates and fuel costs have at least a little impact on most respondents' decisions to take an international golf trip.
capital onePrinter Friendly Version of the Conference Call Presentationfinance13
- Fourth quarter 2008 results showed a loss due to higher provision expense and a goodwill write-down. The losses were driven by deterioration in credit performance as economic conditions worsened.
- Credit losses and delinquency rates increased across all lending segments as unemployment rose. The allowance for loan losses was increased substantially.
- Deposits grew significantly while margins declined due to credit costs and mix shift to lower-yielding assets. Expenses declined due to cost management efforts.
- An impairment charge was taken for goodwill in the Auto Finance segment. The balance sheet and liquidity remain strong despite the difficult environment.
Google Automotive provides this data and presentation to automotive marketing professionals.
The ADM Professional Community is a living example of the compelling value proposition for online communities that serve the automotive industry. ADM serves as proof that the impact of Social Media on the automotive vertical is more significant than widely understood. Be sure to visit the ADM Professional Community at http://www.AutomotiveDigitalMarketing.com or the acronym URL at http://www.ADMPC.com or the Twitter URL at http://ADM.fm today, and don't just be a Lurker... Join!
1) In 2008, the top five industries for bankruptcy were: retail at 27%, construction at 17%, real estate at 16%, manufacturing at 13%, and food services at 5%.
2) Total bankruptcies in 2008 were 40.1, down from 45.1 in 2007, with retail making up 34% of total filings.
3) By quarter in 2008, bankruptcies were highest in Q1 at 20% of the total for the year.
Ford Motor Company is focused on delivering affordable fuel economy through investments in new technologies, electrifying their global vehicle lineup, and strengthening their car brands. Some key highlights include $14 billion being invested in new technologies to improve fuel economy by 36% by 2015, plans to make EcoBoost available on 90% of nameplates by 2013, and introducing plug-in hybrids and electric vehicles over the next few years. Ford is also committed to remaining the top-selling truck brand in America and growing the popularity of vehicles like the Fusion and Focus.
The document summarizes the results of a June 2012 consumer survey. It finds that consumer confidence in the economy is at its lowest level since 2007. One in four adults expect more layoffs over the next six months, despite declining unemployment rates. Less than one in five expect fewer layoffs. Over a third of adults did not save any of their annual income in the last year. Those saving small amounts are declining since 2007 levels.
This survey was conducted from June 10th to June 18th, 2011 and received 869 responses from iPhone and Android users in Japan who had the AdMaker application installed. The majority of respondents were males in their 20s-30s who were students or employed. Most iPhone users viewed and clicked on ads sometimes, while Android users were more likely to never view or click on ads. Both groups primarily took no action after viewing ads. Entertainment, games, and social networking were the most frequently used app categories. Android users expressed varying levels of concern about security.
This document provides an economic highlights presentation from the Israeli Ministry of Finance for the 4th quarter of 2011. It includes key economic indicators such as GDP, exports, unemployment, inflation, budget deficit, debt levels, and comparisons to other countries. Graphics show Israel recovering from the global economic crisis starting in 2010, with GDP, exports, and business growth increasing while unemployment and debt levels decreased.
The document summarizes recent tax reforms in Georgia. It provides background on Georgia's economy and notes that GDP growth has averaged over 10% in recent years due to market-oriented reforms. It also indicates that Georgia has improved its ease of doing business and economic freedom according to international rankings, having risen from 112th in 2005 on the economic freedom index. The reforms have helped create a more favorable market environment.
The document summarizes internet usage trends in Azerbaijan from 2004-2011 based on data from the Caucasus Barometer surveys. Some key findings are:
- Household PC and mobile phone ownership increased substantially over time, with mobile ownership reaching over 90% by 2011.
- However, internet usage rates lagged behind, with only about a quarter of Azerbaijanis using the internet by 2011. Daily internet use was still only around 7%.
- Major barriers to internet adoption and use included lack of awareness, age, education, poverty, rural residence, and lack of English skills. Rural areas, poorer populations, and those with less education were least likely to use the internet frequently.
Symantec’s 2010 Global SMB Information Protection Survey found that small and midsized businesses (SMBs with 10 to 499 employees) are now making protecting their information their highest IT priority, as opposed to 15 months ago when a high percentage had failed to enact even the most basic safeguards. This shift makes sense as SMBs are facing increased threats from cyber attacks, lost devices and loss of confidential or proprietary data.
Apresentacao renda fixa_final.v2.11.02.11risantander
The document is a presentation by Banco Santander (Brasil) S.A. for fixed income investors in February 2011. It discusses Brazil's solid macroeconomic fundamentals including large foreign reserves, declining debt levels, and stable interest and inflation rates. It also notes Brazil's favorable social dynamics including a demographic bonus from a growing workforce and increasing social mobility. The presentation aims to provide investors an overview of the Brazilian economy, Santander Group, and Santander Brasil.
June 2011 ExecuTALK: Adnon Dow - AVAYA VP on Mobility Trends and Innovationsnagiliti
Mr. ADNON DOW is a renowned Mobility subject matter expert. His deep industry knowledge encompasses the broad spectrum of Converging Technologies, including Communications Infrastructures, Enterprise Computing, as well as the Mobility Ecosystem (i.e. mobile apps and services on diverse platforms, devices, and networks for enterprises and end consumers).
Mr. Dow is a 23 year Hi-Tech veteran with extensive international management experience. He is presently a Vice President at Avaya, Inc. where his responsibilities include implementing Avaya's Global Go-To-Market Strategy for Small, Medium and Large Enterprises, whilst navigating through enigmatic regulatory environments to ensure long-range revenue lift, market share gains, and margin expansion via customers, channel partners, and emerging industry verticals. Mr. Dow’s unique breadth of experience encompasses leadership roles in key geographic regions, such as: North America (NA), the Asia Pacific region (APAC), Central and Latin America (CALAM), as well as Europe, The Middle East and Africa (EMEA). Mr. Dow’s previous employers have included heavyweight multinationals, such as: CISCO, MOTOROLA and SYMBOL. His experiences include roles in sales, solutions marketing, business development, product marketing, as well as executive management leading global cross-functional teams, driving corporate initiatives across multiple geographic regions, and positioning networking equipment, wireless products, plus other complex mobility solutions and services for domestic and international carrier operators and strategic alliance partners. Mr. Dow previously served as eHealth Vice Chairman Elect for The United Nations World Health Organization (WHO) in Geneva, Switzerland.
Intel reported financial results for 2008 with revenue of $37.6 billion, down 2% from 2007. Net income was $5.3 billion, down 24% from the prior year. Intel generated $10.9 billion in cash from operations and paid $3.1 billion in dividends. Paul Otellini, Intel's President and CEO, stated that Intel's product portfolio and technology roadmap are strong and will help the company thrive when the economy recovers. Craig Barrett, Intel's Chairman, discussed Intel's role in global initiatives that apply technology to address challenges in areas such as healthcare, education, and sustainability.
Scientific And Legal Perspectives On Science Generated For Regulatory Activitieslegaladvice
This document summarizes the results of a 2008 survey of 126 Chief Legal Officers (CLOs) conducted by Altman Weil, Inc. regarding issues of importance in managing corporate law departments. Some of the key findings include: 49.2% of CLOs plan to hire additional lawyers within the next 12 months, primarily within the US; 63.5% of CLOs plan to keep their use of outside counsel the same over the next year; and 48.4% of CLOs fired or are considering firing one of their law firms that year, primarily due to cost management issues or poor quality legal work.
Hyundai Capital is the leading auto finance company in Korea and a joint venture between Hyundai Motor Group and GE Capital. It has strong shareholder support from both companies. Despite recent slower economic growth, Korea's macroeconomic environment remains stable with low interest rates and manageable government debt levels. Hyundai Capital is well positioned to capitalize on its dominant market position and benefit from shareholder expertise in risk management and operations.
- The document summarizes Snyder's-Lance's financial results for the first quarter of 2009.
- Net revenue increased 9.0% compared to Q1 2008, though growth was impacted by a peanut butter recall.
- Gross margin improved to 39.1% from 37.6% in Q1 2008. Operating profit margin increased to 5.0% from 0.8% previously.
- Earnings per share were $0.20 compared to $0.02 in Q1 2008. Management provided full-year 2009 estimates.
Information Inflation Can The Legal System Adaptlegalinfo
The survey of 126 Chief Legal Officers addressed plans to hire additional in-house lawyers or outside counsel. 49.2% plan to hire more in-house lawyers primarily in the US. 26.2% plan to increase use of outside counsel while 63.5% plan no change. 48.4% fired or considered firing a law firm, most often for poor quality legal work or mishandling critical matters. Outside counsel can improve relationships most by improving communication, responsiveness, project staffing and learning the client's business.
Tim Participacoes reported its 3Q08 results. Key highlights included growing the subscriber base 20.7% YoY to 35.2 million users, stabilizing ARPU at R$29.7, and increasing EBITDA 47.5% YoY to R$799.8 million through tight expense control and lower bad debt. The company launched new convergent offers like TIM Fixo wireline telephony and expanded its 3G broadband portfolio. Operational improvements and financial discipline helped deliver on commitments to improve profitability.
Hyundai Capital provides a mid-year investor presentation highlighting its strong fundamentals and performance in the first half of 2012. Key points include:
- Good profitability with an operating income of KRW 330 billion and ROA of 2.5%, despite slower new car sales.
- Excellent asset quality shown by a low 30+ day delinquency rate of 2.1% and sound capital structure with leverage of 5.8x.
- Committed shareholder support from Hyundai Motor Company and an extended credit line from GE Capital.
- Continuous improvement in credit ratings from rating agencies despite challenges from weaker new car sales.
The document provides consolidated financial information for Paraná Banco for 4Q10. Some key highlights include:
- Net income for 2010 was R$117.4 million, an increase of 12.6% from 2009. 4Q10 net income was R$33.7 million, up 16.1% from 4Q09.
- Total assets reached R$3,074.0 million in 4Q10, an increase of 17.5% from 4Q09.
- The loan portfolio was R$1,551.9 million in 4Q10, up 19.7% from 4Q09. 95.8% of the consolidated portfolio is rated AA to C.
Banco ABC - 3rd Quarter 2008 Results PresentationBanco ABC Brasil
This 3 sentence summary provides the key highlights from the 3Q08 Earnings Presentation:
The presentation discusses Banco ABC Brasil's 3Q08 financial results, noting that net income grew 11.5% over 2Q08 to R$48.4 million, the efficiency ratio was 35.8%, and the credit portfolio reached R$6,879.1 million, growing 5.9% over 2Q08. Return on equity was a strong 16.9% for the quarter.
Mobile search advertising spending is growing rapidly according to data from Efficient Frontier. They found that mobile search currently accounts for 4.2% of total search ad spending for their clients, up significantly from 0.5% a year ago. They project that mobile search spending could account for 7-10% of total search ad spending by the end of 2011. Currently, 5.4% of paid search ad impressions for Efficient Frontier clients come from mobile searches. However, mobile searches have lower click-through rates than desktop searches.
Mobile Marketing Conference - Business Design Centre 1 OctCraig Sullivan
In this presentation, I outline 4 key themes for optimising the performance of Mobile Optimised Websites. I also shed light on why call tracking (on mobile and other devices) to see what channel traffic is being driven, will be a game changer for many companies.
Gafisa reported its third quarter 2008 results with increases in launches, pre-sales, revenues and net income compared to the third quarter of 2007. Key highlights included a 79% increase in launches to R$762 million and a 37% rise in pre-sales to R$504 million. Net operating revenues grew 19% to R$373 million while net income increased 5% to R$38 million. Gafisa also completed its acquisition of Tenda, strengthening its position in the low income real estate segment. Looking ahead, Gafisa expects to benefit from the Tenda consolidation in the fourth quarter and maintained its full year 2008 guidance.
The document discusses a study by O'Shaughnessy that analyzed the performance of US stocks over $150 million in market cap from 1951 to 1996 based on four valuation factors: price-to-sales, price-to-cash flow, price-to-book, and price-to-earnings. The study found that stocks in the lowest deciles for each of these valuation factors significantly outperformed stocks in the highest deciles, indicating that cheaper valued stocks provided higher returns over the long term than more expensive stocks.
The document discusses Massachusetts' Leading by Example Program, which aims to reduce the environmental impact of state government operations through initiatives like increasing energy efficiency, switching to renewable energy sources, and building new green facilities. Some key points:
- State government has a large physical footprint and energy usage. Executive Order 484 set aggressive goals to cut greenhouse gas emissions, energy usage, and increase renewable energy and water conservation by 2020.
- Significant progress has been made, such as a 13.6% reduction in greenhouse gas emissions across state universities and colleges from 2002-2010. Fuel switching from heating oil to natural gas also occurred.
- Energy efficiency projects are underway at over 20 million square feet of state buildings,
1) The document discusses a study on aluminum use in automobiles worldwide from 2002 to 2009.
2) The study found that aluminum content reached an all-time high of 8.6% of average vehicle curb weight in 2009.
3) Aluminum use is projected to continue growing by 4-5 pounds per vehicle per year, approaching 300 pounds per vehicle globally by 2020 due to its benefits for fuel efficiency, safety, and performance.
- Adjusted EBITDA was R$558.9 million in 3Q07, 15.2% lower than 3Q06. Net profit was R$197.6 million, R$150.3 million higher than 3Q06.
- Average tariff decreased by 8.43% in 3Q07 due to tariff reset. Dividends of R$487.8 million were paid for 1H07 earnings.
- A R$600 million debenture issue occurred in October at CDI + 0.90% to repay an earlier debenture and a voluntary dismissal program was announced.
This document provides an economic highlights presentation from the Israeli Ministry of Finance for the 4th quarter of 2011. It includes key economic indicators such as GDP, exports, unemployment, inflation, budget deficit, debt levels, and comparisons to other countries. Graphics show Israel recovering from the global economic crisis starting in 2010, with GDP, exports, and business growth increasing while unemployment and debt levels decreased.
The document summarizes recent tax reforms in Georgia. It provides background on Georgia's economy and notes that GDP growth has averaged over 10% in recent years due to market-oriented reforms. It also indicates that Georgia has improved its ease of doing business and economic freedom according to international rankings, having risen from 112th in 2005 on the economic freedom index. The reforms have helped create a more favorable market environment.
The document summarizes internet usage trends in Azerbaijan from 2004-2011 based on data from the Caucasus Barometer surveys. Some key findings are:
- Household PC and mobile phone ownership increased substantially over time, with mobile ownership reaching over 90% by 2011.
- However, internet usage rates lagged behind, with only about a quarter of Azerbaijanis using the internet by 2011. Daily internet use was still only around 7%.
- Major barriers to internet adoption and use included lack of awareness, age, education, poverty, rural residence, and lack of English skills. Rural areas, poorer populations, and those with less education were least likely to use the internet frequently.
Symantec’s 2010 Global SMB Information Protection Survey found that small and midsized businesses (SMBs with 10 to 499 employees) are now making protecting their information their highest IT priority, as opposed to 15 months ago when a high percentage had failed to enact even the most basic safeguards. This shift makes sense as SMBs are facing increased threats from cyber attacks, lost devices and loss of confidential or proprietary data.
Apresentacao renda fixa_final.v2.11.02.11risantander
The document is a presentation by Banco Santander (Brasil) S.A. for fixed income investors in February 2011. It discusses Brazil's solid macroeconomic fundamentals including large foreign reserves, declining debt levels, and stable interest and inflation rates. It also notes Brazil's favorable social dynamics including a demographic bonus from a growing workforce and increasing social mobility. The presentation aims to provide investors an overview of the Brazilian economy, Santander Group, and Santander Brasil.
June 2011 ExecuTALK: Adnon Dow - AVAYA VP on Mobility Trends and Innovationsnagiliti
Mr. ADNON DOW is a renowned Mobility subject matter expert. His deep industry knowledge encompasses the broad spectrum of Converging Technologies, including Communications Infrastructures, Enterprise Computing, as well as the Mobility Ecosystem (i.e. mobile apps and services on diverse platforms, devices, and networks for enterprises and end consumers).
Mr. Dow is a 23 year Hi-Tech veteran with extensive international management experience. He is presently a Vice President at Avaya, Inc. where his responsibilities include implementing Avaya's Global Go-To-Market Strategy for Small, Medium and Large Enterprises, whilst navigating through enigmatic regulatory environments to ensure long-range revenue lift, market share gains, and margin expansion via customers, channel partners, and emerging industry verticals. Mr. Dow’s unique breadth of experience encompasses leadership roles in key geographic regions, such as: North America (NA), the Asia Pacific region (APAC), Central and Latin America (CALAM), as well as Europe, The Middle East and Africa (EMEA). Mr. Dow’s previous employers have included heavyweight multinationals, such as: CISCO, MOTOROLA and SYMBOL. His experiences include roles in sales, solutions marketing, business development, product marketing, as well as executive management leading global cross-functional teams, driving corporate initiatives across multiple geographic regions, and positioning networking equipment, wireless products, plus other complex mobility solutions and services for domestic and international carrier operators and strategic alliance partners. Mr. Dow previously served as eHealth Vice Chairman Elect for The United Nations World Health Organization (WHO) in Geneva, Switzerland.
Intel reported financial results for 2008 with revenue of $37.6 billion, down 2% from 2007. Net income was $5.3 billion, down 24% from the prior year. Intel generated $10.9 billion in cash from operations and paid $3.1 billion in dividends. Paul Otellini, Intel's President and CEO, stated that Intel's product portfolio and technology roadmap are strong and will help the company thrive when the economy recovers. Craig Barrett, Intel's Chairman, discussed Intel's role in global initiatives that apply technology to address challenges in areas such as healthcare, education, and sustainability.
Scientific And Legal Perspectives On Science Generated For Regulatory Activitieslegaladvice
This document summarizes the results of a 2008 survey of 126 Chief Legal Officers (CLOs) conducted by Altman Weil, Inc. regarding issues of importance in managing corporate law departments. Some of the key findings include: 49.2% of CLOs plan to hire additional lawyers within the next 12 months, primarily within the US; 63.5% of CLOs plan to keep their use of outside counsel the same over the next year; and 48.4% of CLOs fired or are considering firing one of their law firms that year, primarily due to cost management issues or poor quality legal work.
Hyundai Capital is the leading auto finance company in Korea and a joint venture between Hyundai Motor Group and GE Capital. It has strong shareholder support from both companies. Despite recent slower economic growth, Korea's macroeconomic environment remains stable with low interest rates and manageable government debt levels. Hyundai Capital is well positioned to capitalize on its dominant market position and benefit from shareholder expertise in risk management and operations.
- The document summarizes Snyder's-Lance's financial results for the first quarter of 2009.
- Net revenue increased 9.0% compared to Q1 2008, though growth was impacted by a peanut butter recall.
- Gross margin improved to 39.1% from 37.6% in Q1 2008. Operating profit margin increased to 5.0% from 0.8% previously.
- Earnings per share were $0.20 compared to $0.02 in Q1 2008. Management provided full-year 2009 estimates.
Information Inflation Can The Legal System Adaptlegalinfo
The survey of 126 Chief Legal Officers addressed plans to hire additional in-house lawyers or outside counsel. 49.2% plan to hire more in-house lawyers primarily in the US. 26.2% plan to increase use of outside counsel while 63.5% plan no change. 48.4% fired or considered firing a law firm, most often for poor quality legal work or mishandling critical matters. Outside counsel can improve relationships most by improving communication, responsiveness, project staffing and learning the client's business.
Tim Participacoes reported its 3Q08 results. Key highlights included growing the subscriber base 20.7% YoY to 35.2 million users, stabilizing ARPU at R$29.7, and increasing EBITDA 47.5% YoY to R$799.8 million through tight expense control and lower bad debt. The company launched new convergent offers like TIM Fixo wireline telephony and expanded its 3G broadband portfolio. Operational improvements and financial discipline helped deliver on commitments to improve profitability.
Hyundai Capital provides a mid-year investor presentation highlighting its strong fundamentals and performance in the first half of 2012. Key points include:
- Good profitability with an operating income of KRW 330 billion and ROA of 2.5%, despite slower new car sales.
- Excellent asset quality shown by a low 30+ day delinquency rate of 2.1% and sound capital structure with leverage of 5.8x.
- Committed shareholder support from Hyundai Motor Company and an extended credit line from GE Capital.
- Continuous improvement in credit ratings from rating agencies despite challenges from weaker new car sales.
The document provides consolidated financial information for Paraná Banco for 4Q10. Some key highlights include:
- Net income for 2010 was R$117.4 million, an increase of 12.6% from 2009. 4Q10 net income was R$33.7 million, up 16.1% from 4Q09.
- Total assets reached R$3,074.0 million in 4Q10, an increase of 17.5% from 4Q09.
- The loan portfolio was R$1,551.9 million in 4Q10, up 19.7% from 4Q09. 95.8% of the consolidated portfolio is rated AA to C.
Banco ABC - 3rd Quarter 2008 Results PresentationBanco ABC Brasil
This 3 sentence summary provides the key highlights from the 3Q08 Earnings Presentation:
The presentation discusses Banco ABC Brasil's 3Q08 financial results, noting that net income grew 11.5% over 2Q08 to R$48.4 million, the efficiency ratio was 35.8%, and the credit portfolio reached R$6,879.1 million, growing 5.9% over 2Q08. Return on equity was a strong 16.9% for the quarter.
Mobile search advertising spending is growing rapidly according to data from Efficient Frontier. They found that mobile search currently accounts for 4.2% of total search ad spending for their clients, up significantly from 0.5% a year ago. They project that mobile search spending could account for 7-10% of total search ad spending by the end of 2011. Currently, 5.4% of paid search ad impressions for Efficient Frontier clients come from mobile searches. However, mobile searches have lower click-through rates than desktop searches.
Mobile Marketing Conference - Business Design Centre 1 OctCraig Sullivan
In this presentation, I outline 4 key themes for optimising the performance of Mobile Optimised Websites. I also shed light on why call tracking (on mobile and other devices) to see what channel traffic is being driven, will be a game changer for many companies.
Gafisa reported its third quarter 2008 results with increases in launches, pre-sales, revenues and net income compared to the third quarter of 2007. Key highlights included a 79% increase in launches to R$762 million and a 37% rise in pre-sales to R$504 million. Net operating revenues grew 19% to R$373 million while net income increased 5% to R$38 million. Gafisa also completed its acquisition of Tenda, strengthening its position in the low income real estate segment. Looking ahead, Gafisa expects to benefit from the Tenda consolidation in the fourth quarter and maintained its full year 2008 guidance.
The document discusses a study by O'Shaughnessy that analyzed the performance of US stocks over $150 million in market cap from 1951 to 1996 based on four valuation factors: price-to-sales, price-to-cash flow, price-to-book, and price-to-earnings. The study found that stocks in the lowest deciles for each of these valuation factors significantly outperformed stocks in the highest deciles, indicating that cheaper valued stocks provided higher returns over the long term than more expensive stocks.
The document discusses Massachusetts' Leading by Example Program, which aims to reduce the environmental impact of state government operations through initiatives like increasing energy efficiency, switching to renewable energy sources, and building new green facilities. Some key points:
- State government has a large physical footprint and energy usage. Executive Order 484 set aggressive goals to cut greenhouse gas emissions, energy usage, and increase renewable energy and water conservation by 2020.
- Significant progress has been made, such as a 13.6% reduction in greenhouse gas emissions across state universities and colleges from 2002-2010. Fuel switching from heating oil to natural gas also occurred.
- Energy efficiency projects are underway at over 20 million square feet of state buildings,
1) The document discusses a study on aluminum use in automobiles worldwide from 2002 to 2009.
2) The study found that aluminum content reached an all-time high of 8.6% of average vehicle curb weight in 2009.
3) Aluminum use is projected to continue growing by 4-5 pounds per vehicle per year, approaching 300 pounds per vehicle globally by 2020 due to its benefits for fuel efficiency, safety, and performance.
- Adjusted EBITDA was R$558.9 million in 3Q07, 15.2% lower than 3Q06. Net profit was R$197.6 million, R$150.3 million higher than 3Q06.
- Average tariff decreased by 8.43% in 3Q07 due to tariff reset. Dividends of R$487.8 million were paid for 1H07 earnings.
- A R$600 million debenture issue occurred in October at CDI + 0.90% to repay an earlier debenture and a voluntary dismissal program was announced.
IAB Hungary Ad Spend Report 2012 (English)IAB Hungary
Digital ad spend in Hungary grew 14% in 2012 to 35.65 billion HUF despite a shrinking total ad market. Display remained the largest segment at 47% but grew 12%, while search grew most at 27% and accounted for 35% of spending. Listings were flat at 13% of spending, while email declined 7% to 2.5% of spending. Mobile data is not comparable year-over-year but accounted for 2.5% of spending. Seasonality data showed highest spending in Q4 and lowest in Q1.
The document provides data on newspaper and magazine advertising in Pakistan in 2011 compared to 2010. It shows that ROP (run of paper) and ordinary ad types declined by around 27% and 19% year-over-year for newspapers and magazines respectively. The top categories, products, brands, and publications are also outlined. Overall, the data indicates a decrease in advertising spending and shifts in the leading brands and categories across both print mediums between 2010 and 2011 in Pakistan.
The document is a presentation by Banco Santander (Brasil) S.A. for fixed income investors in February 2011. It discusses Brazil's solid macroeconomic fundamentals including large foreign reserves, declining debt levels, and stable interest and inflation rates. It also notes Brazil's favorable social dynamics including a demographic bonus from a growing workforce and increasing social mobility. The presentation aims to provide investors an overview of the Brazilian economy, Santander Group, and Santander Brasil.
The company reported excellent third quarter 2008 results, with 52% growth in net operating income and 45.7% growth in adjusted EBITDA. Same-store sales and rents grew double digits. The company signed 278 new leasing agreements totaling 34,000 square meters during the quarter. The company remains in a strong financial position with over R$757 million in cash and a long-term debt profile averaging over 14 years. The company acquired two new malls during the quarter and continues to work on development projects.
This document provides an overview of the South Carolina Retirement Systems (SCRS) and Police Officers Retirement System (PORS), including membership statistics, benefits details, funding status, and challenges. It notes that as of 2010, SCRS had 458,504 members total and assets of $19.7 billion while being only 65.5% funded. PORS had 51,033 members and $2.9 billion in assets while being 74.5% funded. Both systems face issues with lowering their assumed rates of return and recognizing investment losses. The document discusses reforms to address sustainability issues.
Similar to Final study of fantasy football landing pages (20)
The usability test of the Dow Jones website identified several areas for improvement:
1. The purpose and functionality of the Deep Dive section were unclear to participants and its customization process was difficult to use.
2. The search algorithm sometimes returned inconsistent or irrelevant results, and saving searches was confusing.
3. Creating alerts and customizing My News was challenging for participants to understand. Some also encountered system errors.
4. While seen as useful, the toolbar was often missed or its connection to the My News page was unclear. Simplifying complex areas and better explaining features were recommended.
This document outlines use cases for registration on the CBSnews.com website. It describes the basic registration flow for visitors who are not currently registered users. This includes having visitors fill in registration information, agree to terms and conditions, submit their information, and receive a confirmation. It also describes alternative flows for registered and non-registered users to perform actions like managing email/wireless alerts, commenting on articles, and watching videos. It identifies some exceptional error flows and discusses some open issues and risks with the registration system.
The Wall Street Journal launched a new section called Off Duty that is included as an insert in the print paper on weekends and available online. Off Duty expands the WSJ brand by providing editorial content focused on fashion, food, travel, and other aspects of life and culture. It includes a landing page and multiple story pages.
The document discusses eye tracking data and shows that people had longer eye fixations on longer prices and shorter eye fixations on shorter, simpler prices. The document is marked confidential and not for distribution.
Final initial feedback commissioner usability study.docxRobert Sherron
The usability study found that:
1) The homepage was cluttered and confusing for new users to navigate, with too much competing for attention.
2) It was difficult to distinguish fantasy news from fantasy products on the site.
3) The fantasy football commissioner product was seen as robust but too expensive, especially for new users.
4) The payment submission process asked for unnecessary security information, introducing obstacles.
CBS Sports landing page optimization methodology names removedRobert Sherron
This document outlines a project to optimize the landing page for Fantasy Football Commissioner (FFC) through A/B testing. The goal is to increase conversions of new users signing up for FFC. The project will create alternative landing page designs and use a modified A/B test to evaluate which design has the highest conversion rate. Metrics like time on page and signups will be measured. Testing will occur over the summer of 2008. Additional user testing may also provide insights to complement the A/B test results.
CBS Sports Analytics, Usability, and Research RoadmapRobert Sherron
- CBSSports.com saw double-digit growth in key metrics like unique visitors, visits and page views through the first two weeks of the season compared to last year. Mobile usage also rebounded in week 2 with increases in unique visitors, visits and page views after declining in week 1.
- A new live streaming fantasy football show on CBSSports.com called Fantasy Football Today saw a large increase in streams and viewing minutes between weeks 1 and 2 as it was added to team home pages.
- Additional analytics showed increases in referral traffic from search engines and other sites, as well as higher mobile and desktop usage on Sundays compared to other days of the week.
The document summarizes the findings of a usability study conducted on the Last.fm website. It describes the purpose of the study as establishing a usability baseline and identifying strengths and weaknesses. It then outlines the methodology, including testing 10 participants at a CBS facility and having them complete tasks while thinking aloud. Key observations included that participants did not fully understand Last.fm's purpose and value proposition, and the call-to-action on the homepage was weak at directing engagement. Recommendations were made to improve elements like the homepage design, navigation, and music licensing clarity.
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Range of Visual Styles.
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Slides used for the International Upcycling Research Network advisory board 4 (last one). The project is based at De Montfort University in Leicester, UK, and funded by the Arts and Humanities Research Council.
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2. Purpose
Evaluate effectiveness of four different versions of fantasy football landing page
LONG: Print ad style presentation: Graphically intensive while providing extensive product information without
messaging price. Bright blue call to action button “Start a Free Trial Now” at the bottom of the text.
PRICE: Simple presentation with bold call out of price: Minimal graphics and minimal product information
provided with a text link call to action. Price is messaged loudly in the header graphic.
REG: Control page: This is the page that would have been used without testing (nearly the same as v2007).
SIMPLE: Simple presentation: Same page as PRICE – minimal graphics, minimal product information, price is not
mentioned.
LONG PRICE REG SIMPLE
Confidential – do not distribute 2
3. Research Methodology
Randomly present viewers with one of the four versions
when they get to the fantasy football landing page
Results showed each version was exposed to about 25% of total
unique viewers each week
Evaluate effectiveness of different versions on three metrics:
1. % of viewers who created leagues (secondary)
The higher the %, the better
2. % of viewers who created and paid for leagues (primary)
The higher the %, the better
3. Average page views per viewer
This metrics is ambiguous: More average page views could mean more
interest, but that could also mean the page is more confusing so that
viewers need to come back to review. It will not be reviewed
Confidential – do not distribute 3
4. Key findings
It is obvious that LONG had higher % of created leagues while
PRICE enjoyed higher % of paid leagues this season.
Yet the % differences are not very large.
For future seasons, what can be inferred?
LONG is very likely (99.99%) to generate higher % of created leagues
PRICE has a high probability (about 90%) to create higher % of paid
leagues than SIMPLE and REG.
Although PRICE has higher % of total paid leagues than LONG (0.07%),
the chance that the difference is not significantly different from zero is
very high, at 44%.
Recommendations:
Use either LONG or PRICE for fantasy football landing page.
Try to understand why LONG generate higher % of created leagues but
maybe lower % of paid leagues than PRICE.
Test variations/combinations of LONG/PRICE with next product cycle.
Confidential – do not distribute 4
5. LONG had higher % of created leagues consistently
6.44%
Total 5.64%
5.56%
5.66%
5.01%
7/27/2008 4.07% LONG
4.29%
4.35%
PRICE
5.18%
8/3/2008 4.19%
4.39% REG
4.47%
SIMPLE
7.18%
8/10/2008 6.29%
6.40% LON
6.35%
PRI
8.29%
8/17/2008 7.39% REG
6.71%
6.80% SIM
7.42%
8/24/2008 6.40%
6.84%
6.32%
6.16%
8/31/2008 5.68%
5.44%
5.76%
3.81%
9/7/2008 3.79%
3.15%
3.68%
0% 1% 2% 3% 4% 5% 6% 7% 8% 9%
Confidential – do not distribute 5
6. Most stat tests showed LONG had higher % of created leagues
Date Page UV % Created Lg Page UV % Created Lg % Diff Prob of Indiff
27-Jul-08 LON 10,284 5.01% PRI 10,263 4.07% 0.94% 0.13%
27-Jul-08 LON 10,284 5.01% REG 9,948 4.29% 0.72% 1.57%
27-Jul-08 LON 10,284 5.01% SIM 10,572 4.35% 0.66% 2.47%
3-Aug-08 LON 12,471 5.18% PRI 12,414 4.19% 0.99% 0.02%
3-Aug-08 LON 12,471 5.18% REG 11,664 4.39% 0.79% 0.41%
3-Aug-08 LON 12,471 5.18% SIM 12,612 4.47% 0.71% 0.89%
10-Aug-08 LON 12,522 7.18% PRI 12,369 6.29% 0.89% 0.51%
10-Aug-08 LON 12,522 7.18% REG 12,207 6.40% 0.78% 1.46%
10-Aug-08 LON 12,522 7.18% SIM 12,804 6.35% 0.83% 0.85%
17-Aug-08 LON 10,815 8.29% PRI 10,401 7.39% 0.90% 1.48%
17-Aug-08 LON 10,815 8.29% REG 10,221 6.71% 1.58% 0.00%
17-Aug-08 LON 10,815 8.29% SIM 10,653 6.80% 1.49% 0.00%
24-Aug-08 LON 12,882 7.42% PRI 12,867 6.40% 1.02% 0.12%
24-Aug-08 LON 12,882 7.42% REG 12,639 6.84% 0.58% 7.32%
24-Aug-08 LON 12,882 7.42% SIM 13,038 6.32% 1.10% 0.05%
31-Aug-08 LON 12,588 6.16% PRI 12,435 5.68% 0.48% 10.83%
31-Aug-08 LON 12,588 6.16% REG 12,252 5.44% 0.72% 1.51%
31-Aug-08 LON 12,588 6.16% SIM 12,723 5.76% 0.40% 18.39%
7-Sep-08 LON 12,666 3.81% PRI 12,738 3.79% 0.02% 95.46%
7-Sep-08 LON 12,666 3.81% REG 12,567 3.15% 0.66% 0.46%
7-Sep-08 LON 12,666 3.81% SIM 12,105 3.68% 0.13% 61.61%
Total LON 80,313 6.44% PRI 79,803 5.64% 0.80% 0.00%
Total LON 80,313 6.44% REG 77,874 5.56% 0.88% 0.00%
Total LON 80,313 6.44% SIM 80,604 5.66% 0.78% 0.00%
Confidential – do not distribute 6
8. Statistically, PRICE had higher % of total paid leagues than REG and SIMPLE
Date Page UV % Paid Lg Page UV % Paid Lg % Diff Prob of Indiff
27-Jul-08 PRI 10,263 2.58% LON 10,284 2.72% -0.14% 53.06%
27-Jul-08 PRI 10,263 2.58% REG 9,948 2.47% 0.11% 62.09%
27-Jul-08 PRI 10,263 2.58% SIM 10,572 2.44% 0.14% 51.34%
3-Aug-08 PRI 12,414 2.80% LON 12,471 2.76% 0.04% 82.95%
3-Aug-08 PRI 12,414 2.80% REG 11,664 2.71% 0.09% 65.59%
3-Aug-08 PRI 12,414 2.80% SIM 12,612 2.70% 0.10% 63.05%
10-Aug-08 PRI 12,369 4.03% LON 12,522 3.89% 0.14% 57.92%
10-Aug-08 PRI 12,369 4.03% REG 12,207 4.04% -0.01% 96.04%
10-Aug-08 PRI 12,369 4.03% SIM 12,804 3.83% 0.20% 43.44%
17-Aug-08 PRI 10,401 4.53% LON 10,815 4.38% 0.15% 60.73%
17-Aug-08 PRI 10,401 4.53% REG 10,221 3.94% 0.59% 3.69%
17-Aug-08 PRI 10,401 4.53% SIM 10,653 3.98% 0.55% 4.87%
24-Aug-08 PRI 12,867 3.90% LON 12,882 4.02% -0.12% 62.26%
24-Aug-08 PRI 12,867 3.90% REG 12,639 4.04% -0.14% 56.26%
24-Aug-08 PRI 12,867 3.90% SIM 13,038 3.83% 0.07% 78.13%
31-Aug-08 PRI 12,435 3.26% LON 12,588 2.96% 0.30% 15.81%
31-Aug-08 PRI 12,435 3.26% REG 12,252 3.20% 0.06% 77.11%
31-Aug-08 PRI 12,435 3.26% SIM 12,723 3.13% 0.13% 53.74%
7-Sep-08 PRI 12,738 1.82% LON 12,666 1.64% 0.18% 27.39%
7-Sep-08 PRI 12,738 1.82% REG 12,567 1.44% 0.38% 1.68%
7-Sep-08 PRI 12,738 1.82% SIM 12,105 1.71% 0.11% 50.58%
Total PRI 79,803 3.41% LON 80,313 3.34% 0.07% 43.66%
Total PRI 79,803 3.41% REG 77,874 3.26% 0.15% 10.51%
Total PRI 79,803 3.41% SIM 80,604 3.25% 0.16% 7.11%
Confidential – do not distribute 8
9. User Testing
The Fantasy Football Commissioner landing pages were shown to (7)
participants during a usability test in August, 2008.
An Eye Tracking device (Tobii) was used to record where participants
looked on the page during a 30 second review period.
After reviewing the pages, participants were asked to give their reactions
and rank order the landing pages to determine first, second, third, and
fourth preference.
Confidential – do not distribute 9
10. Eye Tracking Data Longer eye fixations Shorter eye fixations
LONG PRICE REG SIMPLE
Eye tracking data can be tricky to collect and interpret.
With 7 participants, generalization is limited.
However, it is worth nothing that the blue buttons on the right rail (the area user’s
are expected to click to sign-up/create league) were not visually attended to in
this study. Note: Is it possible that this area of the screen suffers from Ad
avoidance due to the prominence of ads in this area on websites in general?
Confidential – do not distribute 10
11. User Testing – Rank Order Preference
LONG PRICE REG SIMPLE
Over half of the participants (4) ranked REG as their first preference - a
somewhat unexpected result and counter to the split test data.
(2) participants ranked LONG as their first preference.
Expectations within the CBS team anticipated a preference for shorter versions
(PRICE and SIMPLE); however, participants may feel that full disclosure is not
provided by the shorter versions.
Knowing the price of a product bears importance as seen in the split test.
Confidential – do not distribute 11
12. Next Steps
Testing for Fantasy Baseball 2009
Hybrid Commissioner page
Right rail navigation
Continue testing for Fantasy Football 2009
Refine Commissioner test
Free Fantasy Football
Fantasy Football Premium Games
Incorporate additional methodologies
Usability assessments
Confidential – do not distribute 12