Flash Comment: Latvia - November 9, 2011
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According to a flash estimate by Latvia's Central Statistical Bureau, GDP growth in Latvia slowed to 1.3% in the third quarter of 2011 from 2% in the previous quarter, mainly due to slower growth in manufacturing and exports. However, a 5.7% acceleration in retail trade suggested strong household consumption, supported by increasing employment and wages. For the full year, GDP growth is still forecast at 4.2%, but recent developments in the euro zone may cause growth to slow further if weakness in major European economies persists.
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Flash Comment - August 8, 2011
- Latvian consumer price inflation slowed in July 2011, with a 0.3% month-over-month decline in consumer prices driven by lower food prices, especially for vegetables and potatoes. This was likely due to both seasonal factors and declining global food prices.
- On an annual basis, consumer price inflation in Latvia decelerated to 4.3% in July from 4.8% in June. The strongest price growth was still in the categories of food, transport, and housing.
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Flash Comment: Latvia - February 9, 2012
According to a flash estimate by Latvia's Central Statistical Bureau, Latvia's GDP growth slowed to 0.8% in Q4 2011 from 1.4% in Q3 2011. While industrial output decreased 0.5% due to a soft beginning to winter, manufacturing growth remained robust at 1.9%. Retail trade fell 0.8%, suggesting cautious household consumption. Annual GDP growth slowed to 5% in Q4 from 6.6% in Q3. The Swedbank Economic Research Department forecasts 2% GDP growth for Latvia in 2012, as slower growth in trading partners cuts into exports and financial market uncertainty hurts investments and confidence.
Flash Comment: Latvia - September 8, 2011
- Consumer prices in Latvia declined 0.3% in August 2011 due largely to seasonal drops in food prices such as vegetables and fruits.
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In August, Latvia experienced its fourth consecutive month of monthly deflation, driven by seasonal declines in fruit and vegetable prices as well as clothing and footwear. Annual consumer price inflation remained steady at 1.7% in August. While most price categories increased from a year ago, some prices like household equipment, clothing, and communications decreased. Inflation is expected to remain below 3% for the year, with prices growing slowly for the rest of 2012. Latvia is forecast to meet the EU's price stability criterion in March 2013.
Flash comment: Latvia - March 9, 2012
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Flash Comment: Latvia - August 9, 2011
According to Latvia's Central Statistical Bureau, Latvia's GDP grew by 2.2% quarter-over-quarter in Q2 2011, accelerating from 0.5% growth in Q1 2011. This pickup was driven by a likely deceleration in import growth and increased export growth. Strong manufacturing and retail trade growth supported overall economic expansion. However, concerns remain that increased household consumption could be temporary as real wages have not risen and emigration reduces purchasing power. The economic growth in annual terms was 5.3% in Q2 2011. While forecasts maintain 4% GDP growth for 2011, the impact of recent global financial market developments on global and Latvian growth remains unclear.
Flash comment: Latvia - August 9, 2012
According to a flash estimate by Latvia's Central Statistical Bureau, GDP in Latvia increased by 1% in Q2 2012 compared to the previous quarter. This maintained the pace of growth from the prior two quarters. However, annual GDP growth slowed to 5.1% in Q2 from 6.9% in Q1, though it remained the highest in the EU. Growth was supported by both exports and domestic demand, though investment growth is expected to have slowed as industry expansion moderated. Retail trade rebounded and industry showed 7% annual growth in Q2. Economic sentiment remained robust, also supporting growth. GDP growth is forecast to decelerate in the second half of 2012 due to smaller base effects and negative calendar effects.
Flash Comment: Latvia - December 9, 2011
The revised GDP data for Latvia in the third quarter of 2011 showed stronger growth than previously estimated, at 6.6% annually rather than 5.7%. Gross fixed capital formation contributed significantly to economic growth, which will increase potential growth in the future. Household consumption also increased due to rising employment and wages. However, export growth started slowing in the third quarter due to uncertainty in Europe. Economic growth in 2011 is expected to be around 5%, higher than previous forecasts, but growth is expected to slow in 2012.
Flash Comment Latvia - June 9, 2011
Latvian GDP grew 0.3% quarter-over-quarter in the first quarter of 2011, driven mainly by investments in fixed capital which increased 28.4% year-over-year. While exports continued to grow at 14.7% year-over-year, import growth was even stronger at 20.7% resulting in negative net exports. Household consumption growth remained weak at 3.6% as purchasing power did not improve significantly. The economic forecast remains at 4% GDP growth for the year as investments and exports are expected to continue growing, though implementation of structural reforms could increase growth further.
Flash Comment Latvia - June 9, 2011
Latvian GDP grew 0.3% quarter-over-quarter in the first quarter of 2011, driven mainly by investments in fixed capital which increased 28.4% year-over-year. While exports continued to grow at 14.7% year-over-year, import growth was even stronger at 20.7% resulting in negative net exports. Household consumption growth remained weak at 3.6% as purchasing power did not improve significantly due to low wage growth and high unemployment. The economic forecast remains at 4% GDP growth for 2011 with investments and exports expected to continue driving growth.
Flash Comment: Latvia - September 8, 2011
Latvian GDP grew 5.6% year-over-year in the second quarter of 2011, driven mainly by strong growth in industry and exports. However, the analyst expects GDP growth to slow in the second half of the year due to weaker demand from Europe. While household consumption growth has been stable due to improving employment and wages, rising prices are limiting growth in purchasing power. The analyst maintains GDP growth forecasts for 2011 at 4.2% but acknowledges European economic slowdown will likely reduce Latvian export performance and investment activity in the coming quarters.
Flash comment: Estonia - May 11, 2012
Economic growth in Estonia slowed slightly in the first quarter of 2011 to 3.9% from 4.5% in the previous quarter. The construction sector contributed strongly to growth, supported by public sector building projects, while retail growth also remained strong. However, manufacturing output declined due to weaker external demand, negatively impacting overall growth. While domestic demand is recovering, export growth is slowing faster than import growth. The economic outlook expects strengthening domestic demand and stabilization in manufacturing to support overall growth of 2.7% for the year, though electronics exports will continue dominating.
Flash comment: Latvia - June 8, 2012
- Latvia's GDP grew 6.9% annually in Q1 2012, up slightly from the previous quarter's growth rate of 1%. This exceeded the initial estimate of 6.8% growth.
- Investments and exports increased substantially, driving overall growth, while household consumption and government spending also increased.
- The construction industry saw the strongest growth of 28.5%, followed by manufacturing at 16.5%, as public infrastructure and private facility investments increased.
- While Latvian growth is expected to slow due to weakening European economic activity, the better than expected Q1 GDP may lead analysts to revise the country's full-year growth forecast upward from the current estimate of 2.5%.
Flash comment: Lithuania - July 30, 2012
- In the second quarter of 2012, Lithuania's GDP growth slowed to 2.1% year-over-year, below expectations, with quarterly growth of 0.4%.
- The slowdown was partly due to the closure of an oil refinery for maintenance, which makes up a quarter of Lithuanian industry. Business inventory contractions also weighed on growth.
- Outlook for Lithuania depends largely on developments in the euro zone, where recent events have not been encouraging but ECB actions are expected to relieve tensions and improve confidence. The bank maintains its GDP growth forecasts of 3.3% for 2012 and 4.3% for 2013.
Flash Comment Latvia - June 8, 2011
Latvia's annual inflation rate reached 5% in May 2011 and is expected to peak above 5% in the coming months before declining towards the end of the year. Rising food, housing, and transportation prices have been the main drivers of inflation, exacerbating problems for poorer households that spend a large portion of their incomes on necessities. While demand remains weak, policy action is needed to curb inflation and stimulate job creation in order to improve living standards.
Flash Comment: Latvia - November 8, 2011
Flash Comment: Latvia - November 8, 2011: Commodity price pressures on Latvian CPI continue to decline
The Lithuanian Economy, No 3, 29 April 2011
- The Lithuanian economy experienced strong growth in the first quarter of 2011, with GDP increasing 6.9% year-over-year. This surpassed all expectations and was the highest growth since 2007.
- Exports and manufacturing continued to grow rapidly in the first quarter, increasing 51% and 21.7% respectively over the same period in 2010. Strong export growth has been the main driver of manufacturing growth.
- While retail trade increased 20% overall, most of this growth came from a 83.1% increase in motor vehicle sales. Excluding motor vehicles, retail trade rose only 4.9% indicating consumer spending growth remains uneven.
Flash Comment - July 8, 2011
- Latvian CPI grew 0.3% month-over-month in June 2011, driven by rising housing costs and alcohol/tobacco taxes, with annual inflation expected to remain near 5%.
- While footwear prices fell due to seasonality, clothing prices rose, with both above EU averages possibly due to weak competition in Latvian retail markets.
- Food prices decreased as vegetable costs fell sharply in Europe following an E. coli outbreak, though prices may rise again as uncertainty subsides.
The Latvian Economy, No 2 - March 2, 2012
The Latvian Economy - No 2, March 2, 2012; Economic growth continues, but Latvia is not immune to euro zone problems
Flash Comment: Latvia - August 18, 2011
- Latvian employment increased 3.3% year-over-year in the second quarter of 2011, while the unemployment rate declined slightly to 16.2% from 16.6% in the first quarter.
- The number of unemployed persons decreased by 38,800 to 187,000, while those employed increased by 30,600 compared to a year ago.
- While economic growth picked up in the second quarter, it remains insufficient to generate enough new, high-quality jobs, and structural problems like long-term unemployment, skills mismatches, and regional imbalances need addressing.
The Latvian Economy - 2010, June
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Flash Comment: Latvia - October 10, 2011
Latvia saw a 0.4% month-over-month increase in consumer prices in September 2011, bringing annual inflation to 4.6%. Food prices increased 0.4% due largely to higher vegetable costs, while fuel prices fell slightly. Overall, inflation has been driven by transportation, food, and housing costs. Swedbank forecasts inflation will slow to around 2.4% in 2012 if taxes remain stable and global commodity prices decline.
Flash comment: Estonia - May 15, 2012
The document summarizes wage growth in Estonia in the first quarter of 2012. Average monthly gross wages increased 6.9% year-over-year, partially due to a 20% rise in irregular bonuses. Wage growth was strongest in the energy, construction, and manufacturing sectors. Real wage growth accelerated to 2.4% due to slower price growth. The chief economist expects real wages to grow 1.8% on average for the year, with productivity and cost control dampening wage growth but shortages in some sectors continuing to push wages up.
The Swedish Economy No.2 - March 29, 2012
The Swedish economy contracted significantly in the fourth quarter of 2011 due to declining external demand, but signs of improvement emerged in early 2012. While GDP growth for 2010 was revised upward, growth in 2011 was weaker than previously reported. Lower productivity growth and household savings than estimated earlier pose challenges for economic analysis and policymaking.
Swedbank Economic Outlook January 2010
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
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Year end report 2016
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Swedbank corporate presentation, February 2 2017
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Swedbank Corporate Presentation, October 25 2016
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Swedbank corporate presentation Q1, 2016
Swedbank is a bank based in Sweden with operations also in Estonia, Latvia, Lithuania and other markets. As of March 31, 2016 it had total assets of SEK 2,404 billion and an operating profit of SEK 5,275 million. It aims to promote sound financial situations for households and enterprises through offering banking services such as savings, loans, investments and insurance. The presentation provides an overview of Swedbank's home markets, history, values of being simple, open and caring, and private and corporate banking services.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Enhancing Asset Quality: Strategies for Financial Institutions
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
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International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Flash Comment: Latvia - November 9, 2011
- 1. Flash comment Economic commentary by Economic Research Department August 9, 2011 Latvia: GDP growth slowed in 3Q 2011 GDP real growth, % According to the flash estimate by Latvian Central Statistical Bureau, seasonally adjusted GDP increased by 1.3% QoQ in 15 the third quarter of 2011. The quarterly growth decelerated from 10 2% in the 2Q 2011, mostly because of slowing manufacturing (to 1.1%from 7.5% in 2Q) and exports. However, retail trade 5 developments (acceleration to 5.7% from 2.9%) suggested that 0 household consumption is strong. Households’ optimism is stable -5 due increasing employment and wage incomes while deposits -10 stock does not change. -15 In annual terms, the economic growth picked up to 5.7% (not -20 seasonally adjusted). -25 1Q 07 1Q 09 1Q 11 We maintain our GDP growth forecast at 4.2% for this year. Quarterly (sa) The impact of recent developments in euro zone on Latvian Annual (nsa) Source: CSBL economic growth is still unclear, but we foresee that GDP growth to slow while the growth in major European economies remains week. Dainis Stikuts Senior Economist + 371 6744 5844 dainis.stikuts@swedbank.lv Swedbank Economic Research Department Flash comment is published as a service to our customers. We believe that we have used reliable sources and methods in the preparation of the analyses reported in this publication. SE-105 34 Stockholm, Sweden However, we cannot guarantee the accuracy or completeness of the report and cannot be ek.sekr@swedbank.com held responsible for any error or omission in the underlying material or its use. Readers are www.swedbank.com encouraged to base any (investment) decisions on other material as well. Neither Swedbank nor its employees may be held responsible for losses or damages, direct or Legally responsible publisher indirect, owing to any errors or omissions in Flash comment. Cecilia Hermansson, +46 8 5859 7720