Finance 2
•Download as PPT, PDF•
0 likes•36 views
N
N NThis document discusses key finance and accounting concepts including assets, liabilities, stakeholders, and various ratios used for analyzing profitability, liquidity, and investments. Specifically, it covers fixed and current assets, shareholders and other stakeholders, gross and net profit margins, current and acid test ratios, gearing ratio, earnings per share, and other ratios for evaluating performance.
Report
Share
Report
Share
Recommended
basics3
This document provides an overview of key finance and accounting concepts including assets, liabilities, stakeholders, ratio analysis, and various profitability, liquidity, and investment ratios. It lists common fixed assets, liabilities, stakeholders in a business, and then outlines important ratios used to analyze profitability, liquidity, and returns on investment including gross profit margin, current ratio, gearing ratio, and price/earnings ratio.
Low interest rate investing 1.51
This document discusses alternatives to government bonds for fixed income investments, including corporate and municipal bonds, preferred shares, dividend paying common stocks, and real estate investment trusts. Specific securities are mentioned as examples for each asset class. Non-cyclical sectors like utilities are preferred over more volatile cyclical sectors for reducing portfolio risk. Historical data on interest rates, inflation rates, and bond yields in Canada from 1990-2012 are also presented.
2010 Investment Outlook
The document provides Greenspring Wealth Management's 2010 investment outlook presented by Patrick Collins. It discusses important disclosures for investors and summarizes investment performance in 2009. Key themes for 2010 discussed include valuations returning to normal across asset classes, long-term demographic trends favoring emerging markets, increasing taxes to fund government debt, and whether inflation or deflation will emerge.
Mercer Capital's Bank Watch | July 2015 | Small Bank Holding Companies Regula...
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Journal paper 2
The document summarizes new liquidity requirements proposed by the Basel Committee, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The LCR requires banks to hold high-quality liquid assets to cover net cash outflows over 30 days. The NSFR requires banks to fund illiquid assets with stable sources of funding over 1 year. The new rules are intended to strengthen banks' liquidity frameworks but may increase costs, weaken credit availability, and have procyclical effects. Banks in emerging markets may face greater challenges meeting the requirements.
Bangladesh Shilpa Bank & CAMELS Rating System for Banking Institutions
The document provides information about Bangladesh Shilpa Bank (BSB). It was formed on December 31, 1972 with a mission to provide financial support and equity backing to industrial projects. It offers term loans, working capital loans, equity support, guarantees, and other commercial banking services. BSB also engages in advisory services, training, project implementation, rehabilitation, and other activities. It has various functional departments. In 2009, BSB was acquired and taken over by Bangladesh Development Bank Limited to operate as a public limited company from January 3, 2010. The document also provides details about CAMELS rating system which is used to evaluate the financial health of banking institutions based on capital adequacy, asset quality, management, earnings, liquid
FRT and Retail Industry
Regency Centers Trust is a retail REIT that focuses on generating cash from operations and continually growing that ability. The report analyzes Regency's ability to raise cash, growth potential given the retail industry environment, current economy impacts, interest rate risk, investment positives like relationships with major retailers, and investment risks around areas weak to economic changes and reliance on major tenants. It also summarizes Regency's balance sheet, capital structure, debt obligations, liquidity, net income trends and dividend policy.
Financial sponsor program 15 osc
Open Source Capital provides an innovative new way for private equity investors to invest in single assets through "Dequity Notes". The notes offer high risk-adjusted returns through quarterly payments that are treated as 1099 income, avoiding more complicated K1 tax forms. Open Source Capital identifies deals, conducts due diligence, and structures debt financing with profit participation for the notes. This allows individual investors access to professionally vetted deals typically reserved for large financial sponsors and accredited investors.
Recommended
basics3
This document provides an overview of key finance and accounting concepts including assets, liabilities, stakeholders, ratio analysis, and various profitability, liquidity, and investment ratios. It lists common fixed assets, liabilities, stakeholders in a business, and then outlines important ratios used to analyze profitability, liquidity, and returns on investment including gross profit margin, current ratio, gearing ratio, and price/earnings ratio.
Low interest rate investing 1.51
This document discusses alternatives to government bonds for fixed income investments, including corporate and municipal bonds, preferred shares, dividend paying common stocks, and real estate investment trusts. Specific securities are mentioned as examples for each asset class. Non-cyclical sectors like utilities are preferred over more volatile cyclical sectors for reducing portfolio risk. Historical data on interest rates, inflation rates, and bond yields in Canada from 1990-2012 are also presented.
2010 Investment Outlook
The document provides Greenspring Wealth Management's 2010 investment outlook presented by Patrick Collins. It discusses important disclosures for investors and summarizes investment performance in 2009. Key themes for 2010 discussed include valuations returning to normal across asset classes, long-term demographic trends favoring emerging markets, increasing taxes to fund government debt, and whether inflation or deflation will emerge.
Mercer Capital's Bank Watch | July 2015 | Small Bank Holding Companies Regula...
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
Journal paper 2
The document summarizes new liquidity requirements proposed by the Basel Committee, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The LCR requires banks to hold high-quality liquid assets to cover net cash outflows over 30 days. The NSFR requires banks to fund illiquid assets with stable sources of funding over 1 year. The new rules are intended to strengthen banks' liquidity frameworks but may increase costs, weaken credit availability, and have procyclical effects. Banks in emerging markets may face greater challenges meeting the requirements.
Bangladesh Shilpa Bank & CAMELS Rating System for Banking Institutions
The document provides information about Bangladesh Shilpa Bank (BSB). It was formed on December 31, 1972 with a mission to provide financial support and equity backing to industrial projects. It offers term loans, working capital loans, equity support, guarantees, and other commercial banking services. BSB also engages in advisory services, training, project implementation, rehabilitation, and other activities. It has various functional departments. In 2009, BSB was acquired and taken over by Bangladesh Development Bank Limited to operate as a public limited company from January 3, 2010. The document also provides details about CAMELS rating system which is used to evaluate the financial health of banking institutions based on capital adequacy, asset quality, management, earnings, liquid
FRT and Retail Industry
Regency Centers Trust is a retail REIT that focuses on generating cash from operations and continually growing that ability. The report analyzes Regency's ability to raise cash, growth potential given the retail industry environment, current economy impacts, interest rate risk, investment positives like relationships with major retailers, and investment risks around areas weak to economic changes and reliance on major tenants. It also summarizes Regency's balance sheet, capital structure, debt obligations, liquidity, net income trends and dividend policy.
Financial sponsor program 15 osc
Open Source Capital provides an innovative new way for private equity investors to invest in single assets through "Dequity Notes". The notes offer high risk-adjusted returns through quarterly payments that are treated as 1099 income, avoiding more complicated K1 tax forms. Open Source Capital identifies deals, conducts due diligence, and structures debt financing with profit participation for the notes. This allows individual investors access to professionally vetted deals typically reserved for large financial sponsors and accredited investors.
Risk scoring sheet
1. The document provides preliminary risk appetite calculations for short-term credit to insurance and finance companies.
2. Companies would receive credit limits of up to 10 years for top credit ratings, 7 years for high credit ratings, and 5 years for moderate ratings. Limits would be 3 years or less for lower credit ratings.
3. Additional limits are provided based on financial ratios measuring leverage, liquidity, profitability, and other factors, with the strongest companies receiving higher limits. Exceptions may be made on a case-by-case basis.
Manajemen keuangan.lecture 3 min
This document provides an overview and outline of topics covered in a financial management course, including:
1) Definitions of key financial terms and an introduction to financial statements, taxes, cash flows, and evaluating financial performance.
2) Methods for valuing financial assets like bonds and stocks, including risk and rates of return.
3) Capital budgeting and investment in long-term assets using decision criteria and cash flow analysis.
4) Additional chapters cover capital structure, working capital management, and special topics in finance like risk management and international finance.
Research on banking sector by witty advisory
The document provides an analysis and outlook of the Indian banking sector as of June 5th, 2012 by Witty Advisory. It discusses key parameters like earnings per share, price-to-earnings ratio, revised banking rates, ratio analysis terms, and an outlook on major banks. Overall, it finds the banking sector has been relatively insulated from the global financial crisis but notes signs of slowing economic growth. It provides performance metrics and commentary on several large banks and concludes with a short-term outperforming outlook for the sector overall in the long-term.
Camel Analysis of IDCs Rank of Financial Ratios
This document discusses IDC's CAMEL analysis and ranking system for financial institutions. The CAMEL analysis evaluates institutions based on 5 factors: Capital adequacy, Asset quality, Management effectiveness, Earnings, and Liquidity. For each factor, IDC calculates various financial ratios and assigns weights to derive an overall rank between 1-300, with 300 being the best. IDC claims this ranking system can identify deteriorating or improving performance earlier than other methods. The online platform will provide the CAMEL analysis and rankings for over 13,000 financial institutions.
Credit management
Learn Something interesting about credit management.
All Aspects of Credit Management are covered in brief.
Futurum Training : FINANCE FOR REAL ESTATE Professionals
This document outlines the topics to be covered in a four-day weekend class on finance for real estate professionals to be held in August 2015. The class will cover topics such as mortgage loan foundations, fixed and adjustable rate mortgage loans, additional mortgage concepts, investment analysis of income properties, financial leverage and financing alternatives, risk analysis, financing corporate real estate, and more. The training will take place every Saturday from 9:00am to 5:00pm, with presentation slides distributed electronically. A minimum of 10 participants is required. Upon completion, participants can discuss the materials via email on the training website.
CAMELSProject
The document analyzes the bank performance of Wells Fargo using the CAMELS framework. It provides a history of Wells Fargo and a SWOT analysis. The CAMELS analysis finds that Wells Fargo is well capitalized with strong capital ratios exceeding minimum requirements. Asset quality has improved in the last quarter with reductions in nonperforming loans and charge-offs. Management quality is assessed as high based on financial performance and risk management.
Mbb15
This document provides an overview of financial intermediaries including their functions, risks, and types. It discusses how financial intermediaries such as banks, credit unions, insurance companies, and pension funds facilitate the flow of funds between savers and borrowers. They do this by assuming different types of risks including credit risk, interest rate risk, liquidity risk, and exchange rate risk. The document also outlines the major sources and uses of funds for different financial intermediaries and provides data on their relative size in the US financial system.
Camels Modeling
This document discusses the CAMELS model for analyzing financial institutional risk. CAMELS stands for Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. It provides details on each component and what a credit analyst should consider when assigning scores to various ratios and indicators under each category. The analyst should look at regulatory requirements, growth trends, peer comparisons, and other factors. Qualitative management assessments, earnings drivers, liquidity positions, interest rate risks, and external country risks should all be evaluated as part of a comprehensive CAMELS analysis.
Camels rating system
The document discusses the CAMELS rating system used by bank regulators to evaluate the overall condition and financial health of banks. The CAMELS rating is based on a bank's capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Ratings range from 1 to 5, with 1 being the strongest and 5 the weakest. The composite CAMELS rating weighs these components and is used to determine the level of supervisory concern for the bank.
Leveraged loan market analysis (US) - October 2011
The US leveraged loan market caught a bid in November, though the market remains focused on developments abroad - specifically Italy and eurozone.
Connect with LCD
Facebook: http://www.lcdcomps.com/facebook
Like LCD on Facebook for monthly analysis on LBO/Private equity stats, as well as Default/Restructuring analysis.
LinkedIn: http://www.lcdcomps.com/linkedin
There's some 6,300 market contacts in LCD's Leveraged Loan Group
Twitter: http://www.twitter.com/lcdnews
News, commentary, other leveraged finance info
Web: http://www.lcdcomps.com
Off balance sheets
Off-balance sheet items refer to assets, debts, or financing activities that are not reported on a company's balance sheet. Companies often use off-balance sheet financing to keep debt-to-equity ratios low and appear more financially stable. While tax laws allow excluding these items from financial statements through footnotes, they still represent legal obligations or risks for the company. Governments also sometimes use off-balance sheet accounting by not reporting future liabilities like oil bonds on the current year's balance sheet.
integrated risk management in banks
“Basel III is more about improving the risk management systems in the Banks than just Improved Quality and enhanced Quantity of capital”. Please discuss the challenges to the Indian Banks by March,2017
Camel rating
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
Bank analysis and rating using the CAMEL model
The document introduces the CAMELS rating system used by bank supervisory authorities to evaluate domestic and foreign banks. CAMELS ratings assess banks on capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Banks are given scores from 1 to 5 on each factor, with lower scores indicating stronger performance. An average score less than 2 signifies a high-quality institution, while scores above 3 require supervisory attention.
Investment Policy of Banks-B.V.Raghunandan
This document discusses the investment policy of banks, outlining criteria like liquidity, profitability, and statutory compliance. It describes the components of a bank's investment portfolio, including money market instruments, and their loan portfolio priorities like priority sector and consumer lending. The document also covers principles of their investment/lending policy like diversification, safety, and debtor evaluation. It outlines tools for portfolio management such as asset-liability management and managing different types of risks.
Q1 Slideshow Posted 2012
The document provides a quarterly review by Legacy2, LLC, a registered investment advisor firm. In the first quarter of 2012, stocks and other risk assets were up sharply, reducing future return expectations. Rising Treasury yields resulted in flat returns for core bonds. The portfolio remains underweight stocks and core bonds due to concerns about high debt levels and future low returns. Alternative strategies and emerging market bonds provide diversification in this uncertain economic environment.
Credit management
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
Mercer Capital's Asset Management Industry Newsletter | Q2 2012 | Focus: Trad...
Mercer Capital’s Asset Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
Built For Times Like These
The document discusses how New York Life has remained stable while the financial industry has undergone turmoil. It attributes this to three key factors: 1) New York Life's mutual ownership structure that prioritizes policyholders over shareholders. 2) Its strong financial ratings and surplus funds that provide security for policyholders. 3) A disciplined investment approach focused on diversification, liquidity, and long-term returns rather than short-term gains. While the financial sector continues transforming, New York Life's core values of strength, integrity, and policyholder focus help it navigate changing conditions.
Poduzetnik
Vrlo često u Hrvatkoj riječ poduzetnik iza sebe krije mnoga značenja. Od onog osnovnog i uobičajenog te u svijetu opće prihvaćenog, da je to osoba koja svojim radom stvara nove vrijednosti, do pojedinačnih tumačenja i definicija da je poduzetnik onaj koji obavlja poslove prema programu i ugovoru,ili je pak vlasnik poduzeća.
Gledajući svoje okruženje sasvim sigurno se ne možemo složiti s gore navedenom definicijom poduzetnika (jer nam se već na prvi pogled čini prejednostavna), a pogotovo ne onda kada krećemo u poduzetničke vode ili smo već u njima . Iz ovakve perspektive sasvim nam je jasno da biti poduzetnik u RH zahtjeva mnogo više vještina, truda, znanja da bi se netko mogao smatrati poduzetnikom u pravom smislu te riječi.
Ipak, i pored svih tih razloga, jedan poduzetnik ima još i “ono nešto”, onaj poduzetnički “ živac “, sposobnost preuzimanja rizika. I oni, uvjereni u sebe, svoju ideju i svoje sposobnosti,“slijede svoju zvijezdu” na poduzetničkom putu, prelaze taj težak i strašno naporan put, pun bitaka i ratova, neuspjeha i neizvjesnosti, do poduzetnika, od ideje do tržišta.
More Related Content
What's hot
Risk scoring sheet
1. The document provides preliminary risk appetite calculations for short-term credit to insurance and finance companies.
2. Companies would receive credit limits of up to 10 years for top credit ratings, 7 years for high credit ratings, and 5 years for moderate ratings. Limits would be 3 years or less for lower credit ratings.
3. Additional limits are provided based on financial ratios measuring leverage, liquidity, profitability, and other factors, with the strongest companies receiving higher limits. Exceptions may be made on a case-by-case basis.
Manajemen keuangan.lecture 3 min
This document provides an overview and outline of topics covered in a financial management course, including:
1) Definitions of key financial terms and an introduction to financial statements, taxes, cash flows, and evaluating financial performance.
2) Methods for valuing financial assets like bonds and stocks, including risk and rates of return.
3) Capital budgeting and investment in long-term assets using decision criteria and cash flow analysis.
4) Additional chapters cover capital structure, working capital management, and special topics in finance like risk management and international finance.
Research on banking sector by witty advisory
The document provides an analysis and outlook of the Indian banking sector as of June 5th, 2012 by Witty Advisory. It discusses key parameters like earnings per share, price-to-earnings ratio, revised banking rates, ratio analysis terms, and an outlook on major banks. Overall, it finds the banking sector has been relatively insulated from the global financial crisis but notes signs of slowing economic growth. It provides performance metrics and commentary on several large banks and concludes with a short-term outperforming outlook for the sector overall in the long-term.
Camel Analysis of IDCs Rank of Financial Ratios
This document discusses IDC's CAMEL analysis and ranking system for financial institutions. The CAMEL analysis evaluates institutions based on 5 factors: Capital adequacy, Asset quality, Management effectiveness, Earnings, and Liquidity. For each factor, IDC calculates various financial ratios and assigns weights to derive an overall rank between 1-300, with 300 being the best. IDC claims this ranking system can identify deteriorating or improving performance earlier than other methods. The online platform will provide the CAMEL analysis and rankings for over 13,000 financial institutions.
Credit management
Learn Something interesting about credit management.
All Aspects of Credit Management are covered in brief.
Futurum Training : FINANCE FOR REAL ESTATE Professionals
This document outlines the topics to be covered in a four-day weekend class on finance for real estate professionals to be held in August 2015. The class will cover topics such as mortgage loan foundations, fixed and adjustable rate mortgage loans, additional mortgage concepts, investment analysis of income properties, financial leverage and financing alternatives, risk analysis, financing corporate real estate, and more. The training will take place every Saturday from 9:00am to 5:00pm, with presentation slides distributed electronically. A minimum of 10 participants is required. Upon completion, participants can discuss the materials via email on the training website.
CAMELSProject
The document analyzes the bank performance of Wells Fargo using the CAMELS framework. It provides a history of Wells Fargo and a SWOT analysis. The CAMELS analysis finds that Wells Fargo is well capitalized with strong capital ratios exceeding minimum requirements. Asset quality has improved in the last quarter with reductions in nonperforming loans and charge-offs. Management quality is assessed as high based on financial performance and risk management.
Mbb15
This document provides an overview of financial intermediaries including their functions, risks, and types. It discusses how financial intermediaries such as banks, credit unions, insurance companies, and pension funds facilitate the flow of funds between savers and borrowers. They do this by assuming different types of risks including credit risk, interest rate risk, liquidity risk, and exchange rate risk. The document also outlines the major sources and uses of funds for different financial intermediaries and provides data on their relative size in the US financial system.
Camels Modeling
This document discusses the CAMELS model for analyzing financial institutional risk. CAMELS stands for Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. It provides details on each component and what a credit analyst should consider when assigning scores to various ratios and indicators under each category. The analyst should look at regulatory requirements, growth trends, peer comparisons, and other factors. Qualitative management assessments, earnings drivers, liquidity positions, interest rate risks, and external country risks should all be evaluated as part of a comprehensive CAMELS analysis.
Camels rating system
The document discusses the CAMELS rating system used by bank regulators to evaluate the overall condition and financial health of banks. The CAMELS rating is based on a bank's capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Ratings range from 1 to 5, with 1 being the strongest and 5 the weakest. The composite CAMELS rating weighs these components and is used to determine the level of supervisory concern for the bank.
Leveraged loan market analysis (US) - October 2011
The US leveraged loan market caught a bid in November, though the market remains focused on developments abroad - specifically Italy and eurozone.
Connect with LCD
Facebook: http://www.lcdcomps.com/facebook
Like LCD on Facebook for monthly analysis on LBO/Private equity stats, as well as Default/Restructuring analysis.
LinkedIn: http://www.lcdcomps.com/linkedin
There's some 6,300 market contacts in LCD's Leveraged Loan Group
Twitter: http://www.twitter.com/lcdnews
News, commentary, other leveraged finance info
Web: http://www.lcdcomps.com
Off balance sheets
Off-balance sheet items refer to assets, debts, or financing activities that are not reported on a company's balance sheet. Companies often use off-balance sheet financing to keep debt-to-equity ratios low and appear more financially stable. While tax laws allow excluding these items from financial statements through footnotes, they still represent legal obligations or risks for the company. Governments also sometimes use off-balance sheet accounting by not reporting future liabilities like oil bonds on the current year's balance sheet.
integrated risk management in banks
“Basel III is more about improving the risk management systems in the Banks than just Improved Quality and enhanced Quantity of capital”. Please discuss the challenges to the Indian Banks by March,2017
Camel rating
This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
Bank analysis and rating using the CAMEL model
The document introduces the CAMELS rating system used by bank supervisory authorities to evaluate domestic and foreign banks. CAMELS ratings assess banks on capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk. Banks are given scores from 1 to 5 on each factor, with lower scores indicating stronger performance. An average score less than 2 signifies a high-quality institution, while scores above 3 require supervisory attention.
Investment Policy of Banks-B.V.Raghunandan
This document discusses the investment policy of banks, outlining criteria like liquidity, profitability, and statutory compliance. It describes the components of a bank's investment portfolio, including money market instruments, and their loan portfolio priorities like priority sector and consumer lending. The document also covers principles of their investment/lending policy like diversification, safety, and debtor evaluation. It outlines tools for portfolio management such as asset-liability management and managing different types of risks.
Q1 Slideshow Posted 2012
The document provides a quarterly review by Legacy2, LLC, a registered investment advisor firm. In the first quarter of 2012, stocks and other risk assets were up sharply, reducing future return expectations. Rising Treasury yields resulted in flat returns for core bonds. The portfolio remains underweight stocks and core bonds due to concerns about high debt levels and future low returns. Alternative strategies and emerging market bonds provide diversification in this uncertain economic environment.
Credit management
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
Mercer Capital's Asset Management Industry Newsletter | Q2 2012 | Focus: Trad...
Mercer Capital’s Asset Management Industry newsletter is a quarterly publication providing perspective on valuation issues pertinent to asset managers, trust companies, and investment consultants.
Built For Times Like These
The document discusses how New York Life has remained stable while the financial industry has undergone turmoil. It attributes this to three key factors: 1) New York Life's mutual ownership structure that prioritizes policyholders over shareholders. 2) Its strong financial ratings and surplus funds that provide security for policyholders. 3) A disciplined investment approach focused on diversification, liquidity, and long-term returns rather than short-term gains. While the financial sector continues transforming, New York Life's core values of strength, integrity, and policyholder focus help it navigate changing conditions.
What's hot (20)
Futurum Training : FINANCE FOR REAL ESTATE Professionals
Futurum Training : FINANCE FOR REAL ESTATE Professionals
Leveraged loan market analysis (US) - October 2011
Leveraged loan market analysis (US) - October 2011
Mercer Capital's Asset Management Industry Newsletter | Q2 2012 | Focus: Trad...
Mercer Capital's Asset Management Industry Newsletter | Q2 2012 | Focus: Trad...
More from N N
Poduzetnik
Vrlo često u Hrvatkoj riječ poduzetnik iza sebe krije mnoga značenja. Od onog osnovnog i uobičajenog te u svijetu opće prihvaćenog, da je to osoba koja svojim radom stvara nove vrijednosti, do pojedinačnih tumačenja i definicija da je poduzetnik onaj koji obavlja poslove prema programu i ugovoru,ili je pak vlasnik poduzeća.
Gledajući svoje okruženje sasvim sigurno se ne možemo složiti s gore navedenom definicijom poduzetnika (jer nam se već na prvi pogled čini prejednostavna), a pogotovo ne onda kada krećemo u poduzetničke vode ili smo već u njima . Iz ovakve perspektive sasvim nam je jasno da biti poduzetnik u RH zahtjeva mnogo više vještina, truda, znanja da bi se netko mogao smatrati poduzetnikom u pravom smislu te riječi.
Ipak, i pored svih tih razloga, jedan poduzetnik ima još i “ono nešto”, onaj poduzetnički “ živac “, sposobnost preuzimanja rizika. I oni, uvjereni u sebe, svoju ideju i svoje sposobnosti,“slijede svoju zvijezdu” na poduzetničkom putu, prelaze taj težak i strašno naporan put, pun bitaka i ratova, neuspjeha i neizvjesnosti, do poduzetnika, od ideje do tržišta.
Nks prezentacija
Nacionalni klirinški sustav služi za izvršenje malih i masovnih plaćanja, a obračun se provodi na obračunskim računima banaka.
Cissp business continuity planning
A contingency plan is:
“A plan for emergency response, backup operations, and post-disaster recovery maintained by an activity as a part of its security program that will ensure the availability of critical resources and facilitate the continuity of operations in an emergency situation…”
(National Computer Security Center 1988)
Westtek native office viewers
The ClearVue Presentation viewer allows users to view and run Microsoft PowerPoint presentations on Windows CE devices. It supports animation effects, transitions, fonts, images, charts and graphs. The viewer has a menu bar and action buttons that allow ordering and viewing slides individually or as thumbnails. It can also crop or omit images in slides.
Koncepcija i strategija razvoja
DVA GRIJEHA
1. ŽELJETI A NE DJELOVATI
2. DJELOVATI BEZ CILJA
VIZIONIRANJE STVARI- AKO ŽELIMO IMATI CILJ MORAMO VIZIONIRATI
VIZIJA – MISIJA
JE AKT BALANSIRANJA IZMEĐU UTOPIJE I REALITETA
IZ VIZIJE SE IZRAĐUJU DUGOROČNI CILJEVI /10-30 GOD./
ODREĐIVANJE CILJEVA IZ VIZIJE JE ZADAĆA MENADŽMENTA
REZULTAT TOGA JE FILOZOFIJA /poduzeća;destinacije i sl/
Globalizacija
Imalo dugoročniji poslovni plan, imalo većeg poduzeča mora sagledati i utjecaj globalnih kretanja
Promjene se događaju strelovitom brzinom
Nekadašnje prednosti zaštićenog “domaćeg” tržišta su nepovratno izgubljene
Objedinjavanje nadzornih tijela financijskog
Bankarski sektor je u pretežitom vlasništvu stranaca
Univerzalno bankarstvo
Sektor osiguranja još uvijek je u pretežito domačem vlasništvu
Učešće sektora osiguranja na financijskom tržištu je još uvijek slabo
Tržište kapitala institucionalno je dobro razvijeno a trgovanje slabo
Dominantne su financijske grupe
Proizvodi koji se nude sve više imaju karakteristike svih sektora financijskog tržišta
Kontroling
Informacije o tržištu stižu prekasno i nesistematski
Najviše rukovodstvo ima premalo izravnih kontakata s kupcima
Učinci nisu uvijek i u svim detaljima u suglasju s tržištem
Konkurencija “otima” dobre kupce
Vlastita mjesta vođenja tržišta postaju nesigurna
Gubi se % tržišnog udjela
Kupci odugovlače rasprave o cijenama
Proizvodi s izvornom uporabnom vrijednosti postaju malobrojni
Prihodi padaju iako su popusti uobičajeni
Naglašava se važnost troškova, štednja je adut
Mladi, perspektivni kadrovi napuštaju poduzeće
Smanjivanje proračuna za istraživanje i razvoj
Trgovci energično traže nove proizvode
Izostaju investicije za obnovu pogona
Uvodi se analiza općih troškova
Ograničavaju se proslave radi štednje
Zapošljava se “jeftinija” radna snaga
Prikrivaju se napetosti u poduzeću, “guranje pod tepih”
Osporavaju se troškovi unapređenja prodaje
Nema obnove rukovodstva
Na svim područjima vlada “osrednjost”
Banke zahtijevaju visoke garancije
Visoke kamate za tuđi kapital premašuju snagu zarade
Banke otkazuju dosadašnju politiku odgode plaćanja
Poduzeće je slučaj za sanaciju
Interpreting Company Accounts
This document discusses interpreting company accounts, including window dressing, depreciation methods, and calculating depreciation. It outlines two common depreciation methods - straight line, which calculates depreciation as the historic cost minus the residual value divided by the useful life, and declining balance, which depreciates assets at a constant rate each year.
Critical
This document discusses key aspects of human resource management including recruitment, selection, employment legislation, discipline, development, training, rewards systems, trade unions, and productivity. It describes the recruitment and selection process, highlights the importance of complying with employment legislation especially regarding discrimination and disability, and outlines different approaches to employee development, training, discipline, and performance evaluation.
Communication
Communication in business involves transferring information from one part of a business to another to produce outcomes or changes. There are formal communication channels that are established procedures and informal channels like gossip. Communication is a process with a sender, channel, receiver, and potential feedback. It can be verbal, written, electronic, visual, or audio. The choice of communication medium depends on needs like needing a record, the direction of information flow, the audience size, confidentiality, and information complexity and cost. Successful communication depends on the sender's understanding, the content clarity, the method suitability, the receiver's skills and attitude, and organizational and cultural factors. Barriers include lack of ability, unclear content, inappropriate methods, receiver skills, and technical
More from N N (14)
Recently uploaded
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
The Steadfast and Reliable Bull: Taurus Zodiac Sign
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
Satta Matka Dpboss Matka Guessing Kalyan Chart Indian Matka Kalyan panel Chart
Satta Matka Dpboss Matka Guessing Kalyan Chart Indian Matka Kalyan panel Chart➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
SATTA MATKA SATTA FAST RESULT KALYAN TOP MATKA RESULT KALYAN SATTA MATKA FAST RESULT MILAN RATAN RAJDHANI MAIN BAZAR MATKA FAST TIPS RESULT MATKA CHART JODI CHART PANEL CHART FREE FIX GAME SATTAMATKA ! MATKA MOBI SATTA 143 spboss.in TOP NO1 RESULT FULL RATE MATKA ONLINE GAME PLAY BY APP SPBOSSDpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
Sattamatka.satta.matka.satta matka.kalyan weekly chart.kalyan chart.kalyan jodi chart.kalyan penal chart.kalyan today.kalyan open.fix satta.fix fix fix Satta matka nambar欧洲杯赌球-欧洲杯赌球买球官方官网-欧洲杯赌球比赛投注官网|【网址🎉ac55.net🎉】
【网址🎉ac55.net🎉】欧洲杯赌球是世界上历史最悠久的博彩公司之一。其历史可以追溯到十九世纪末，确切时间是1886年。这家英国公司拥有超过15000名员工，是博彩行业规模最大的公司。欧洲杯赌球是英国最受欢迎的实体博彩公司之一，其排名仅次于欧洲杯赌球，旗下2800家投注站遍布全英国。
Prescriptive analytics BA4206 Anna University PPT
Business analysis - Prescriptive analytics Introduction to Prescriptive analytics
Prescriptive Modeling
Non Linear Optimization
Demonstrating Business Performance Improvement
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
Profiles of Iconic Fashion Personalities.pdf
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka Indian satta Matka Dpboss Matka Kalyan Chart Matka Boss otg matka Guessing Satta The latest Heat Pump Manual from Newentide
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
9356872877Sattamatka.satta.matka.satta matka.kalyan weekly chart.kalyan chart.kalyan jodi chart.kalyan penal chart.kalyan today.kalyan open.fix satta.fix fix fix Satta matka nambar.DearbornMusic-KatherineJasperFullSailUni
My powerpoint presentation for my Music Retail and Distribution class at Full Sail University
The Genesis of BriansClub.cm Famous Dark WEb Platform
BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Satta Matka Dpboss Kalyan Matka Results Kalyan Chart
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Industrial Tech SW: Category Renewal and Creation
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Best Competitive Marble Pricing in Dubai - ☎ 9928909666
Stone Art Hub offers the best competitive Marble Pricing in Dubai, ensuring affordability without compromising quality. With a wide range of exquisite marble options to choose from, you can enhance your spaces with elegance and sophistication. For inquiries or orders, contact us at ☎ 9928909666. Experience luxury at unbeatable prices.
Cover Story - China's Investment Leader - Dr. Alyce SU
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Recently uploaded (20)
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
The Steadfast and Reliable Bull: Taurus Zodiac Sign
The Steadfast and Reliable Bull: Taurus Zodiac Sign
Satta Matka Dpboss Matka Guessing Kalyan Chart Indian Matka Kalyan panel Chart
Satta Matka Dpboss Matka Guessing Kalyan Chart Indian Matka Kalyan panel Chart
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
The Genesis of BriansClub.cm Famous Dark WEb Platform
The Genesis of BriansClub.cm Famous Dark WEb Platform
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Satta Matka Dpboss Kalyan Matka Results Kalyan Chart
Satta Matka Dpboss Kalyan Matka Results Kalyan Chart
Best Competitive Marble Pricing in Dubai - ☎ 9928909666
Best Competitive Marble Pricing in Dubai - ☎ 9928909666
Cover Story - China's Investment Leader - Dr. Alyce SU
Cover Story - China's Investment Leader - Dr. Alyce SU
Finance 2
- 1. Finance and Accounts 2 Nermin Sefic
- 2. Finance & Accounts 2
- 3. Assets
- 4. Fixed Assets Freehold Leasehold Goodwill
- 5. Liabilities
- 6. Purpose
- 7. Stakeholder Information Shareholders Government Customers Employees Suppliers Investors Management Trade Unions
- 9. Profitability Ratios Gross Profit Margin Net Profit Margin Retained Profit Margin Profit Mark Up ROCE
- 10. Liquidity Ratios Working Capital Current Ratio Acid Test ratio
- 11. Investment Ratios Gearing Ratio Earnings per Share Dividend per Share Dividend Yield Dividend Cover Price/Earnings Ratio