Canada has one of the strongest financial services sectors in the world, comprised of banks, trust and loan companies, insurance companies, credit unions, securities dealers, finance and leasing companies, pension fund managers, mutual fund companies and independent insurance agents and brokers. The Canadian banking system was ranked the soundest in the world by the World Economic Forum for seven years in a row.
Canada has one of the strongest financial services sectors in the world, comprised of banks, trust and loan companies, insurance companies, credit unions, securities dealers, finance and leasing companies, pension fund managers, mutual fund companies and independent insurance agents and brokers. The Canadian banking system was ranked the soundest in the world by the World Economic Forum for seven years in a row.
In the past, there have been concerns about debt, especially if interest rates were to rise. Interest rates are still an issue. The bigger issue is cash flow with govt, business, and personal. Sales and wages could see significant shrinkage as part of the COVID19 recovery.
RYU Apparel, or Respect Your Universe, is an award winning urban athletic apparel brand that engages in the development, marketing, and distribution of apparel, bags and accessories. Our products are engineered for the fitness, training and performance of the multi-discipline athlete. Our products are designed, developed and tested at our corporate headquarters in Vancouver, BC, Canada. Production takes place in factories located in North America and Asia.
The RYU brand was created by a team of industry experts in 2015 that found a gap in the apparel market whereby the male athlete was underserved, the female athletic market was awash by a sea of sameness, and nobody was designing carry systems for active people to build their lives around. This team transformed the RYU brand and created a new category: Urban Athletics. RYU is the new standard of tailored innovation for the urban athlete.
Latin America's Role in driving "Americas-Centric" Outsourcing & U.S. Competi...Loren Moss
U.S. businesses want to improve efficiencies, accelerate technical innovation and gear their businesses to be globally ready – and the Latin America IT/ BPO marketplace is starting to recognize these requirements, creating an ideal environment for ‘Americas-centric’ outsourcing.
The new publication 'It’s time…for global, high quality public sector financial reporting' explores the need for a more consistent, transparent approach to public sector reporting, equal to that of private sector organisations.
Page Executive / Michael Page Front Office Banking & Asset Management Salary ...Tara Bagley
Our 2016 London salary survey is complete. Please contact us if you have any questions regarding our findings and we look forward to working with you in 2016.
2-Year Postgraduate Diploma Courses in Canada.pdfRitikaSoni39
2 Years PG Diploma in Canada – Find the List of Colleges and Universities offering Post Graduate (PG) Diploma Programs in Canada to International students.
DGXLiquidity/Financial Health2012-122013-122014-122015-122016-122017-122018-122019-122020-122021-12Latest QtrCurrent Ratio1.491.220.941.281.561.240.941.251.721.561.54Quick Ratio1.110.920.660.881.311.000.771.131.511.321.32Financial Leverage2.232.272.302.132.182.132.112.282.082.112.08Debt/Equity0.810.790.750.750.810.760.660.780.670.700.70Book Value/Share26.2926.6929.0432.0934.0435.5139.3942.1448.1253.7154.50
R E P O R T
MESSAGE FROM PAUL
In 2010, the AICPA initiated a grassroots effort focused on
harnessing the insights of CPAs, business leaders, regulators,
thought leaders and futurists into the continuing evolution of the
CPA profession. Called CPA Horizons 2025, this visioning
initiative built on the ground-breaking work of the CPA Vision
Project, which took place in the late 1990s, engaged thousands of
CPAs and dozens of other important stakeholders in creating a
blueprint for the profession that led us through 2011.
CPA Horizons 2025 extends that original vision into the future.
The project examined the local and global trends affecting CPAs
in their daily work, enlisted opinions on how these trends will
impact CPAs in the years ahead, and how the profession could
meet the challenges and leverage opportunities now and in the
coming years. As part of this process, we examined the current
and future relevance of our Core Purpose, Values, Competencies
and Services identified as part of the CPA Vision Project.
To explore what the CPA profession will face over the next
15 years, the profession also considered how the technological
tsunami of the past decade has propelled us into new frontiers
and changed how the profession operates. Clearly, demographic
shifts in the CPA profession will bring new opportunities to wider
audiences, evolving our profession to represent the diversity of the
world. Globalization offers opportunities and challenges for the
profession as well as our clients, firms and employers. These are a
sample of the macro-trends that were assessed, discussed and
debated virtually and in face-to-face meetings across the country.
I’m honored to have led this extraordinary collaborative effort of
the CPA profession during my year as Chairman of the AICPA
Board of Directors. No other profession calls upon its members to
engage in such an exercise to prepare for the future. It’s for this
and for so many other reasons, I am extremely proud to be a CPA.
I look forward to collaborating with members of the profession as
we continue to exemplify our CPA Purpose: CPAs … Making
sense of a changing and complex world. I truly believe that the
results detailed in the pages of this report will not only guide the
profession as it considers the opportunities and challenges that lie
ahead in our 15-year horizon, but also for generations to come.
Paul V. Stahlin, CPA
EXECUTIVE SUMMARY
Over a six-month period, CPA Horizons 2025 sought the insights of CPAs on current and forecasted .
In the past, there have been concerns about debt, especially if interest rates were to rise. Interest rates are still an issue. The bigger issue is cash flow with govt, business, and personal. Sales and wages could see significant shrinkage as part of the COVID19 recovery.
RYU Apparel, or Respect Your Universe, is an award winning urban athletic apparel brand that engages in the development, marketing, and distribution of apparel, bags and accessories. Our products are engineered for the fitness, training and performance of the multi-discipline athlete. Our products are designed, developed and tested at our corporate headquarters in Vancouver, BC, Canada. Production takes place in factories located in North America and Asia.
The RYU brand was created by a team of industry experts in 2015 that found a gap in the apparel market whereby the male athlete was underserved, the female athletic market was awash by a sea of sameness, and nobody was designing carry systems for active people to build their lives around. This team transformed the RYU brand and created a new category: Urban Athletics. RYU is the new standard of tailored innovation for the urban athlete.
Latin America's Role in driving "Americas-Centric" Outsourcing & U.S. Competi...Loren Moss
U.S. businesses want to improve efficiencies, accelerate technical innovation and gear their businesses to be globally ready – and the Latin America IT/ BPO marketplace is starting to recognize these requirements, creating an ideal environment for ‘Americas-centric’ outsourcing.
The new publication 'It’s time…for global, high quality public sector financial reporting' explores the need for a more consistent, transparent approach to public sector reporting, equal to that of private sector organisations.
Page Executive / Michael Page Front Office Banking & Asset Management Salary ...Tara Bagley
Our 2016 London salary survey is complete. Please contact us if you have any questions regarding our findings and we look forward to working with you in 2016.
2-Year Postgraduate Diploma Courses in Canada.pdfRitikaSoni39
2 Years PG Diploma in Canada – Find the List of Colleges and Universities offering Post Graduate (PG) Diploma Programs in Canada to International students.
DGXLiquidity/Financial Health2012-122013-122014-122015-122016-122017-122018-122019-122020-122021-12Latest QtrCurrent Ratio1.491.220.941.281.561.240.941.251.721.561.54Quick Ratio1.110.920.660.881.311.000.771.131.511.321.32Financial Leverage2.232.272.302.132.182.132.112.282.082.112.08Debt/Equity0.810.790.750.750.810.760.660.780.670.700.70Book Value/Share26.2926.6929.0432.0934.0435.5139.3942.1448.1253.7154.50
R E P O R T
MESSAGE FROM PAUL
In 2010, the AICPA initiated a grassroots effort focused on
harnessing the insights of CPAs, business leaders, regulators,
thought leaders and futurists into the continuing evolution of the
CPA profession. Called CPA Horizons 2025, this visioning
initiative built on the ground-breaking work of the CPA Vision
Project, which took place in the late 1990s, engaged thousands of
CPAs and dozens of other important stakeholders in creating a
blueprint for the profession that led us through 2011.
CPA Horizons 2025 extends that original vision into the future.
The project examined the local and global trends affecting CPAs
in their daily work, enlisted opinions on how these trends will
impact CPAs in the years ahead, and how the profession could
meet the challenges and leverage opportunities now and in the
coming years. As part of this process, we examined the current
and future relevance of our Core Purpose, Values, Competencies
and Services identified as part of the CPA Vision Project.
To explore what the CPA profession will face over the next
15 years, the profession also considered how the technological
tsunami of the past decade has propelled us into new frontiers
and changed how the profession operates. Clearly, demographic
shifts in the CPA profession will bring new opportunities to wider
audiences, evolving our profession to represent the diversity of the
world. Globalization offers opportunities and challenges for the
profession as well as our clients, firms and employers. These are a
sample of the macro-trends that were assessed, discussed and
debated virtually and in face-to-face meetings across the country.
I’m honored to have led this extraordinary collaborative effort of
the CPA profession during my year as Chairman of the AICPA
Board of Directors. No other profession calls upon its members to
engage in such an exercise to prepare for the future. It’s for this
and for so many other reasons, I am extremely proud to be a CPA.
I look forward to collaborating with members of the profession as
we continue to exemplify our CPA Purpose: CPAs … Making
sense of a changing and complex world. I truly believe that the
results detailed in the pages of this report will not only guide the
profession as it considers the opportunities and challenges that lie
ahead in our 15-year horizon, but also for generations to come.
Paul V. Stahlin, CPA
EXECUTIVE SUMMARY
Over a six-month period, CPA Horizons 2025 sought the insights of CPAs on current and forecasted .
18.11.2013 International business standard on transparency, Jelena Pesic
Eduardo Garrido on "Powerful Corporate Impact: Consumer, Health, Education, and Human Rights"
1. Wheelock Global Conference
“Powerful Corporate Impact: Consumer, Health,
Education and Human Rights”
Eduardo Garrido
Director of Santander Universities U.S. Division
June 20, 2013
2. 2
Santander – A Strong Bank
Santander
WORLDWIDE
Leading financial group in
Spain and Latin America,
with an important presence
in the U.S. and Western
Europe
MORE THAN
189 , 800
EMPLOYEES
MORE THAN
14 , 600
BRANCHES
MORE THAN
102 million
CLIENTS
3. 3
Global Commitment to Higher Education
Compared to the top global and domestic banks
What makes Santander unique
4. 4
Santander Universities – Agreements Worldwide
Banco Santander S.A. y (nombre de la sociedad) advierten que esta presentación contiene manifestaciones sobre
previsiones y estimaciones. Dichas previsiones y estimaciones están incluidas en diversos apartados de este
documento e incluyen, entre otras, comentarios sobre el desarrollo de negocios futuros y rentabilidades futuras.
Belgium 1
Mientras estas previsiones y estimaciones representan nuestros juicios sobre expectativas futuras de negocios,
Germany 5
puede que determinados riesgos, incertidumbres y otros factores relevantes ocasionen que los resultados sean
U.K Entre estos factores se incluyen, (1) situación del mercado, factores
materialmente diferentes a lo esperado. 66
Russia 8
macroeconómicos, directrices regulatorias y gubernamentales, (2) movimientos en los mercados bursátiles
U.S.A. 26
nacionales e internacionales, tipos de cambio y tipos de interés, (3) presiones competitivas, (4) desarrollos
China 8
Portugal financiera o de valor crediticio de nuestros clientes, deudores o
tecnológicos, (5) cambios en la posición 45
Poland 34
contrapartes. Los factores de riesgo y otros factores fundamentales que hemos indicado podrían afectar
Korea 1
adversamente a nuestro negocio y al comportamiento y95
Mexico 163
Spain resultados descritos y contenidos en nuestros informes
pasados, o en los que presentaremos en el futuro, incluyendo aquéllos remitidos a las entidades reguladoras y
UAE 1
supervisoras, incluida la Securities Exchange Commission de los Estados Unidos de América.
Colombia 16
Ghana 1
Ghana 1
Puerto Rico 8
Singapore 2
Brazil 437
1,050
Nota.- la información contenida en esta publicación no está auditada. No obstante, la elaboración de las cuentas
Agreements in
consolidadas se Chile 56
ha establecido sobre principios y criterios contables generalmente aceptados.
Uruguay 9
Argentina 68
20 countries
5. 5
Santander Universities – Agreements Worldwide
The value of our network of 1,050 universities is the ability to
launch transversal programs and connect with universities
worldwide. Banco Santander is the only bank with a Division
dedicated to supporting universities.
BANCO SANTANDER
BIG INTERNATIONAL
DIMENSION with agreements
in 20 countries and more
than 2,000 people dedicated fulltime to serve the universities
4,100 PROJECTS
Fostered yearly with
universities worldwide
SOVEREIGN BANK N.A.
6. 6
Santander Universities – Wheelock Partnership
Wheelock College Global Challenges Conference
•Visionary sponsor to support conference activities, such as the
Global Leadership Awards dinner that recognizes excellence in
globally improving the lives of children and families
•Participate in seminars as both a panelist and moderator
Mattahunt Wheelock Community Center Partnership
•Sign an agreement (Q3) to support initiative
•Designed to enhance Financial Literacy, College Readiness, and
Career Awareness (FCC) programs
•Improves needed support for low-income , first generation, and
immigrant populations of the Mattapan community and its
surroundings
7. 7
Santander Universities – Powerful Corporate Impact
TOP Brazil - China:
200 Brazilian students from Brazil’s TOP 20
universities go to G-9 Chinese universities for
a joint environmental program
TOP Massachusetts – Brazil Program:
6 US and 7 Brazilian universities participate in the
program to foster research collaboration between
MA and Brazil
8. 8
Santander Universities – Powerful Corporate Impact
Brown University:
More than 160 young scholars from 50 countries
participate in the annual BIARI conference for
collaborative research and professional
development. BIARI 2013 focuses on four
areas: HIV/AIDS, Population and Development,
Theater and Civil Society, and Water, Energy,
and Digital Information in the Global South.
New York University:
In collaboration with the University of Ghana and
Women for Africa, Chairman Botin signs an agreement
to sponsor a project which aims to promote the
leadership of Ghanian women as driving forces for the
country’s growth.
9. 9
Santander Universities – Powerful Corporate Impact
Monmouth University:
Monmouth students mentor Asbury Park High
School students partnering in the UN Academic
Impact Project to promote educational
opportunities, human rights, and intercultural
exchanges in the local and global communities.
Boston University:
BU Public Health students travel to Kenya for 5 weeks to
conduct in-person surveys with the Massai tribe in Kimana to
improve water quality and health.