- The document is a letter from Victor Walter, Chief Financial Officer of QBE, to Paul Smallwood regarding his 2014 performance and compensation.
- It notifies Paul that due to his efforts and QBE achieving strong financial results in 2014, his total remuneration will be increased to $203,544 effective April 2015.
- Paul will also receive a bonus of $35,057 for meeting targets related to company performance and his individual objectives, to be paid in March 2015.
ACN is the largest direct seller of telecommunications, energy and other essential services in the world. ACN now operates in 23 countries www.danielkjosey.acnibo.com
Guinness Nigeria reported financial results for 2012 with a 2% increase in turnover to N126 billion but a 18% decrease in post-tax profit to N14.7 billion compared to 2011. The directors recommended a final dividend of 800 kobo per share, or shareholders have the option to receive scrip dividend of 1 share for every 33 shares held. The business environment in 2012 was very challenging with high inflation and FX volatility, though the brewing industry saw overall beer consumption decline by 7.4% in volume.
The document is Guinness Nigeria's annual report which includes the following key information:
- Guinness Nigeria saw a 13% increase in turnover to N124 billion and a 31% increase in profit after tax to N18 billion for the 2011 fiscal year.
- The Nigerian economy is recovering gradually from the global economic crisis, with GDP growth of 6.9% and increasing foreign investment and reserves.
- Guinness Nigeria has undertaken expansion projects to increase production capacity at its Ogba and Benin breweries, with commissioning of the first phase set for early 2012.
- The Chairman expresses satisfaction with the company's strong financial and operational performance, and recommends a dividend of 1,000 kobo
- The document reports on the financial performance of Guinness Nigeria Plc for the 2013 fiscal year. It provides key financial metrics such as revenue, operating profit, profit for the year, total equity, and earnings per share. Overall, revenue increased by 5% while profit declined between 6-20% for the year.
- It also announces the recommendation to pay a final dividend of N10.5 billion, representing a dividend of 700 kobo per share, subject to shareholder approval at the annual general meeting.
- The chairman highlights some of the challenges in the operating environment including inconsistent power supply, security issues, and their negative impact on consumer spending patterns. However, he notes that Malta Guinness
This document is the Chairman's statement from Guinness Nigeria PLC's 2007 annual report. It provides an overview of the business environment in Nigeria in 2007, noting macroeconomic stability, positive ratings from global agencies, and consolidation in the banking and insurance sectors. It discusses challenges for Guinness Nigeria from increased liquidity and election-related disruptions. However, it states that Guinness Nigeria was able to achieve strong performance and make groundbreaking achievements for the full financial year despite these challenges. The Chairman expresses pleasure in welcoming shareholders to the annual general meeting.
Singapore Central Provident Fund (CPF) and Skill Development Levy (SDL) RatesRikvin Pte Ltd
The Central Provident Fund or CPF is a compulsory pension fund scheme in which the employer and employee contribute a percentage of the monthly salary to the fund. CPF contribute on by the employer is mandatory for all local employees who are Singapore citizens or permanent residents earning more than S$50 a month. The maximum CPF contribution rate for employer and employee is 14.5% and 20% respectively and can be lower depending on certain factors such as employee age and permanent resident status. Employment pass holders do not have to contribute to CPF.
This document contains financial highlights and information about Guinness Nigeria PLC for the 2008 fiscal year. It summarizes key financial figures such as increased turnover, profit before and after taxation compared to the previous year. It also provides details on the recommended dividend payment and capital expenditures. The document lists the agenda items for the upcoming annual general meeting, including receiving reports, declaring dividends, and appointing directors and audit committee members.
- The Nigerian economy and business environment remained very challenging in FY2016 due to low oil prices, FX shortages, high inflation, and low consumer spending. This negatively impacted Guinness Nigeria's financial performance.
- The brewing industry saw declines in both volume (3.6%) and value (13.9%) in FY2016. However, the value beer segment grew significantly as consumers traded down due to economic hardship.
- Guinness Nigeria recorded a loss after taxation for FY2016 due to the difficult operating environment, but believes strategic initiatives being implemented will return the company to profitability in coming years.
ACN is the largest direct seller of telecommunications, energy and other essential services in the world. ACN now operates in 23 countries www.danielkjosey.acnibo.com
Guinness Nigeria reported financial results for 2012 with a 2% increase in turnover to N126 billion but a 18% decrease in post-tax profit to N14.7 billion compared to 2011. The directors recommended a final dividend of 800 kobo per share, or shareholders have the option to receive scrip dividend of 1 share for every 33 shares held. The business environment in 2012 was very challenging with high inflation and FX volatility, though the brewing industry saw overall beer consumption decline by 7.4% in volume.
The document is Guinness Nigeria's annual report which includes the following key information:
- Guinness Nigeria saw a 13% increase in turnover to N124 billion and a 31% increase in profit after tax to N18 billion for the 2011 fiscal year.
- The Nigerian economy is recovering gradually from the global economic crisis, with GDP growth of 6.9% and increasing foreign investment and reserves.
- Guinness Nigeria has undertaken expansion projects to increase production capacity at its Ogba and Benin breweries, with commissioning of the first phase set for early 2012.
- The Chairman expresses satisfaction with the company's strong financial and operational performance, and recommends a dividend of 1,000 kobo
- The document reports on the financial performance of Guinness Nigeria Plc for the 2013 fiscal year. It provides key financial metrics such as revenue, operating profit, profit for the year, total equity, and earnings per share. Overall, revenue increased by 5% while profit declined between 6-20% for the year.
- It also announces the recommendation to pay a final dividend of N10.5 billion, representing a dividend of 700 kobo per share, subject to shareholder approval at the annual general meeting.
- The chairman highlights some of the challenges in the operating environment including inconsistent power supply, security issues, and their negative impact on consumer spending patterns. However, he notes that Malta Guinness
This document is the Chairman's statement from Guinness Nigeria PLC's 2007 annual report. It provides an overview of the business environment in Nigeria in 2007, noting macroeconomic stability, positive ratings from global agencies, and consolidation in the banking and insurance sectors. It discusses challenges for Guinness Nigeria from increased liquidity and election-related disruptions. However, it states that Guinness Nigeria was able to achieve strong performance and make groundbreaking achievements for the full financial year despite these challenges. The Chairman expresses pleasure in welcoming shareholders to the annual general meeting.
Singapore Central Provident Fund (CPF) and Skill Development Levy (SDL) RatesRikvin Pte Ltd
The Central Provident Fund or CPF is a compulsory pension fund scheme in which the employer and employee contribute a percentage of the monthly salary to the fund. CPF contribute on by the employer is mandatory for all local employees who are Singapore citizens or permanent residents earning more than S$50 a month. The maximum CPF contribution rate for employer and employee is 14.5% and 20% respectively and can be lower depending on certain factors such as employee age and permanent resident status. Employment pass holders do not have to contribute to CPF.
This document contains financial highlights and information about Guinness Nigeria PLC for the 2008 fiscal year. It summarizes key financial figures such as increased turnover, profit before and after taxation compared to the previous year. It also provides details on the recommended dividend payment and capital expenditures. The document lists the agenda items for the upcoming annual general meeting, including receiving reports, declaring dividends, and appointing directors and audit committee members.
- The Nigerian economy and business environment remained very challenging in FY2016 due to low oil prices, FX shortages, high inflation, and low consumer spending. This negatively impacted Guinness Nigeria's financial performance.
- The brewing industry saw declines in both volume (3.6%) and value (13.9%) in FY2016. However, the value beer segment grew significantly as consumers traded down due to economic hardship.
- Guinness Nigeria recorded a loss after taxation for FY2016 due to the difficult operating environment, but believes strategic initiatives being implemented will return the company to profitability in coming years.
TechStars presentation - Financial presentations for investorsDavid Fogel
Presentation on August 7 2015 at TechStars Boston - Topic: Financial presentations to investors. Presented by David Fogel, Member of TiE Angels, Mass Medical Angels. Instructor at WPI.
This document is Guinness Nigeria PLC's annual report for the 2009 fiscal year. It includes financial highlights showing increased revenue and profits compared to 2008. It also provides information on the company's directors and corporate details. The Chairman's statement discusses the positive business environment and growth in the brewing industry in Nigeria despite economic challenges in 2009 from the global financial crisis. It recommends a final dividend payment.
The document is the annual report of Stanbic IBTC Holdings PLC for the year ended 31 December 2016. It provides details on the company's directors, operating results, shareholding, donations and events after the reporting date. Specifically:
- Gross earnings increased 11.7% to N156.4 billion while profit before tax rose 56.3% to N37.2 billion.
- A final dividend of 5 kobo per share was recommended, consistent with the previous year.
- The largest shareholders were Stanbic Africa Holdings Limited with 53.2% and First Century International Limited with 7.47%.
- Donations and charitable gifts for the year totalled N121.7 million.
This document is the report of the directors for National Salt Company of Nigeria PLC for the year ended December 31, 2010. It summarizes the company's financial performance, reporting a profit after tax of 1.6 billion Naira. It also provides details on the board of directors, their shareholdings, and responsibilities. The report discusses the company's principal salt processing and tomato paste import activities and confirms there were no significant post-balance sheet events.
This document is the 2016 annual report of Guaranty Trust Bank plc. It provides an overview of the bank's corporate governance structure and financial performance in 2016. Some key details:
- The bank complied with applicable Nigerian and international financial reporting standards in preparing its consolidated financial statements.
- Gross earnings increased 37% to N414.62 billion while profit after tax grew 33% to N132.28 billion from the previous year.
- Loans and advances to customers increased 16% to N1.589 trillion while deposits from customers rose 23% to N1.986 trillion.
- The report discusses the bank's corporate governance policies and structure, which are aimed at enhancing transparency and delivering shareholder value.
128 Innovation Capital Group (128 ICG) - Presented Compelling Financials for ...David Fogel
This document is an estimated statement of operations for ABC Company from 2010 to 2013. It shows revenue, costs, expenses, margins, and other financial metrics over this period. Revenue grew substantially from $584,000 in 2010 to over $91 million in 2013, driven primarily by growth in installation revenue. Gross margins increased from 20.5% to over 47% from 2010 to 2013. Operating expenses also increased substantially over this period but grew at a slower rate than revenue. The company reported net losses from 2010 to 2012 but earned a small net income in 2013. Headcount grew significantly from 18 employees in 2010 to over 1,100 in 2013. Capital expenditures also increased substantially over this period.
- Guinness Nigeria Plc had a successful financial year despite challenges from the global economic crisis and local issues such as high inflation, electricity shortages, and security issues.
- Key financial highlights included a 23% increase in net sales to N109 billion and a 5% increase in profit before tax to N19.99 billion.
- The company strengthened its brands and invested in production capacity expansion projects.
- A dividend of 825 kobo per share was recommended based on strong profits and returns.
- The Chairman urged shareholders to consolidate accounts, dematerialize share certificates, and complete e-dividend forms to facilitate dividend administration.
- Corporate social responsibility initiatives included new water projects and continuing
This document provides a summary of Forte Oil PLC's consolidated financial statements for the year ended 31 December 2017. It includes sections on the company's legal form, principal activities, operating results, property and equipment, directors, major shareholdings, and donations/charitable gifts. The operating results section notes the group profit before tax was NGN 10.6 billion and profit after tax was NGN 12.2 billion. Under major shareholdings, Zenon Petroleum & Gas Limited held 48.87% of issued shares. The company reported donations of NGN 3.3 million to charitable causes.
Aurobindo working capital Analysis for the years 2013-16Nikhil Gupta
Aurobindo Pharma's working capital management was analyzed over 3 years. Key metrics like current ratio, quick ratio, and cash ratio fluctuated between 1.3-1.35, 0.75-0.8, and 0.03-0.08 respectively, indicating adequate short-term financial health. Return on capital employed declined from 0.371 to 0.319, while debt-equity ratio improved from 0.398 to 0.157. Recommendations included raising short-term funds and increasing current assets to maintain liquidity. Overall performance was assessed as unsatisfactory due to insufficient liquidity.
The document outlines information about Forte Oil PLC, a Nigerian energy company, including its mission, vision, core values, and financial reports for the year ending December 31, 2014. It provides details on the company's performance, leadership, and subsidiaries, as well as the agenda for its upcoming Annual General Meeting.
This document outlines the business opportunity and compensation structure for ACN, a direct sales company operating in telecommunications and essential services across 23 countries. It describes the various positions that can be earned like ETT, ETL, and TC based on acquiring personal and team customers. Representatives earn residual commissions from 1-10% on their own customers and 1/4-8% on their downline team's customers each month.
Sterling Bank Plc is a full-service commercial bank in Nigeria that has grown over 50 years from an investment bank to a universal bank through mergers. In 2013, Sterling Bank's profit before tax grew 24% to N9.31 billion despite challenges, through efforts of management and staff. The bank successfully raised N12.9 billion in a rights issue, increasing equity to N63 billion. Sterling Bank remains committed to operating responsibly and enriching lives of stakeholders, communities, employees, partners, customers and shareholders. Notable initiatives included expanding financial inclusion and a street cleaning program.
- The Chairman notes that 2015 presented tremendous challenges for Nigeria and the construction industry due to economic difficulties like low oil prices and a volatile business environment. This resulted in a slowdown of major public and private sector projects.
- To deal with these challenges, Julius Berger took proactive measures like reducing overhead costs, adjusting performance planning, and retrenching staff in order to remain viable during the economic downturn. The Group also increased its focus on third party business and suspended works on poorly paying sites.
- While the year was difficult, the Chairman expresses confidence that Julius Berger's experience and expertise will enable it to continue playing a leading role in Nigeria's development when economic conditions improve.
- Leadway Assurance Company saw a 53% increase in gross premiums written in 2012 to N36.9 billion, driven by special risk businesses, though a corresponding 37% increase in reinsurance premiums led to a slight decline in net premiums.
- Claims expenses rose 14% due to claims from industrial property and credit insurance, hurting underwriting profits which fell 42%, though investment income rose 60%.
- Overall profit after tax declined to N673 million from N973 million in 2011 due to provisions for outstanding premiums.
- The balance sheet grew 58% to N66.3 billion while shareholders' funds rose 20% to N11.9 billion, with a dividend of 4.5
This budget presentation was delivered at the December 18th Regular Meeting and passed unanimously. This SlideShare highlights the overall objectives that the Village hopes to achieve this year with this budget in place.
'Save money, get your r&d centre recognised by dsir' flowchartRajeev Surana
This document outlines the process for an R&D center to obtain recognition and approval from DSIR, the Department of Scientific and Industrial Research in India. It explains that an R&D center must first be recognized by DSIR to receive excise and customs benefits, and then approved to receive income tax benefits. The recognition process involves filling out a pro forma and providing documents about the R&D activities and facilities. The approval process involves engaging in an agreement with DSIR and providing additional documents such as annual reports and details of scientific personnel and infrastructure.
Leadway Assurance Company Limited reported strong financial results for 2013, with gross premiums written increasing 13% to N41.7 billion driven by growth in life business. Net underwriting income rose 7% to N15.6 billion and profit after tax increased 155% to N1.7 billion. The company proposed a dividend of N750 million or 8.5 kobo per share. Leadway is executing a 3-year strategic plan to grow its business and reaffirm its leadership position in the insurance industry through a focus on customer service, business processes, and increasing retail contributions.
This document provides a summary of MRS Oil Nigeria Plc's annual report and financial statements for the year ended December 31, 2011. It discusses the company's operating environment, including the economic, political, and industry conditions. Some key points:
- The global economy showed signs of recovery, though developed economies lagged. Emerging markets like Nigeria saw faster growth.
- Nigeria's GDP grew 7.69% in 2011 and oil production averaged 2.3 million barrels per day. However, inflation remained in double digits and exchange rates were volatile.
- Political instability from violence, kidnappings and sectarian clashes hurt investment. However, amnesty programs stabilized the oil-rich Niger Delta region.
- Despite
The document contains audited financial information for MRS Oil Nigeria PLC for the year ended December 2010. It shows that in 2010, the company's gross income was N74.781 billion, profit before tax was N2.887 billion, and profit after taxation was N1.847 billion. The balance sheet information indicates the company's fixed assets increased to N18.209 billion in 2010 from N3.036 billion in 2009, while working capital rose to N2.860 billion from N1.069 billion. The net assets of the company increased substantially to N18.528 billion in 2010 compared to N2.965 billion in the previous year.
May 11, 2015 Monday Morning Learning and Growth, 2015 Budget AnnouncementsJesse Dunn, CPA, CA
The document summarizes key points from the 2015 federal and provincial budgets of Ontario and Quebec. It outlines measures for businesses and individuals, such as reducing the small business tax rate, increasing the lifetime capital gains exemption, and amendments to tax credits. The presentation provides an overview of the budgets and their goals of maintaining balanced budgets while implementing tax measures and programs related to families, innovation, and other priorities.
El documento describe las cuatro etapas de la educación a distancia a través de la historia: 1) Enseñanza por correspondencia desde finales del siglo XIX utilizando impresos enviados por correo, 2) Enseñanza multimedia en la década de 1960 usando radio, TV y casetes, 3) Enseñanza telemática desde la inclusión de ordenadores permitiendo comunicación síncrona y asincrónica, e 4) Enseñanza vía internet centrada en el estudiante y con recursos multimedia interactivos.
During the Start-up module of Hyper Island we worked together as a start-up team for a period of 6 weeks to explore and launch our idea. This deck includes our reflection of the entire journey and the start-up idea.
TechStars presentation - Financial presentations for investorsDavid Fogel
Presentation on August 7 2015 at TechStars Boston - Topic: Financial presentations to investors. Presented by David Fogel, Member of TiE Angels, Mass Medical Angels. Instructor at WPI.
This document is Guinness Nigeria PLC's annual report for the 2009 fiscal year. It includes financial highlights showing increased revenue and profits compared to 2008. It also provides information on the company's directors and corporate details. The Chairman's statement discusses the positive business environment and growth in the brewing industry in Nigeria despite economic challenges in 2009 from the global financial crisis. It recommends a final dividend payment.
The document is the annual report of Stanbic IBTC Holdings PLC for the year ended 31 December 2016. It provides details on the company's directors, operating results, shareholding, donations and events after the reporting date. Specifically:
- Gross earnings increased 11.7% to N156.4 billion while profit before tax rose 56.3% to N37.2 billion.
- A final dividend of 5 kobo per share was recommended, consistent with the previous year.
- The largest shareholders were Stanbic Africa Holdings Limited with 53.2% and First Century International Limited with 7.47%.
- Donations and charitable gifts for the year totalled N121.7 million.
This document is the report of the directors for National Salt Company of Nigeria PLC for the year ended December 31, 2010. It summarizes the company's financial performance, reporting a profit after tax of 1.6 billion Naira. It also provides details on the board of directors, their shareholdings, and responsibilities. The report discusses the company's principal salt processing and tomato paste import activities and confirms there were no significant post-balance sheet events.
This document is the 2016 annual report of Guaranty Trust Bank plc. It provides an overview of the bank's corporate governance structure and financial performance in 2016. Some key details:
- The bank complied with applicable Nigerian and international financial reporting standards in preparing its consolidated financial statements.
- Gross earnings increased 37% to N414.62 billion while profit after tax grew 33% to N132.28 billion from the previous year.
- Loans and advances to customers increased 16% to N1.589 trillion while deposits from customers rose 23% to N1.986 trillion.
- The report discusses the bank's corporate governance policies and structure, which are aimed at enhancing transparency and delivering shareholder value.
128 Innovation Capital Group (128 ICG) - Presented Compelling Financials for ...David Fogel
This document is an estimated statement of operations for ABC Company from 2010 to 2013. It shows revenue, costs, expenses, margins, and other financial metrics over this period. Revenue grew substantially from $584,000 in 2010 to over $91 million in 2013, driven primarily by growth in installation revenue. Gross margins increased from 20.5% to over 47% from 2010 to 2013. Operating expenses also increased substantially over this period but grew at a slower rate than revenue. The company reported net losses from 2010 to 2012 but earned a small net income in 2013. Headcount grew significantly from 18 employees in 2010 to over 1,100 in 2013. Capital expenditures also increased substantially over this period.
- Guinness Nigeria Plc had a successful financial year despite challenges from the global economic crisis and local issues such as high inflation, electricity shortages, and security issues.
- Key financial highlights included a 23% increase in net sales to N109 billion and a 5% increase in profit before tax to N19.99 billion.
- The company strengthened its brands and invested in production capacity expansion projects.
- A dividend of 825 kobo per share was recommended based on strong profits and returns.
- The Chairman urged shareholders to consolidate accounts, dematerialize share certificates, and complete e-dividend forms to facilitate dividend administration.
- Corporate social responsibility initiatives included new water projects and continuing
This document provides a summary of Forte Oil PLC's consolidated financial statements for the year ended 31 December 2017. It includes sections on the company's legal form, principal activities, operating results, property and equipment, directors, major shareholdings, and donations/charitable gifts. The operating results section notes the group profit before tax was NGN 10.6 billion and profit after tax was NGN 12.2 billion. Under major shareholdings, Zenon Petroleum & Gas Limited held 48.87% of issued shares. The company reported donations of NGN 3.3 million to charitable causes.
Aurobindo working capital Analysis for the years 2013-16Nikhil Gupta
Aurobindo Pharma's working capital management was analyzed over 3 years. Key metrics like current ratio, quick ratio, and cash ratio fluctuated between 1.3-1.35, 0.75-0.8, and 0.03-0.08 respectively, indicating adequate short-term financial health. Return on capital employed declined from 0.371 to 0.319, while debt-equity ratio improved from 0.398 to 0.157. Recommendations included raising short-term funds and increasing current assets to maintain liquidity. Overall performance was assessed as unsatisfactory due to insufficient liquidity.
The document outlines information about Forte Oil PLC, a Nigerian energy company, including its mission, vision, core values, and financial reports for the year ending December 31, 2014. It provides details on the company's performance, leadership, and subsidiaries, as well as the agenda for its upcoming Annual General Meeting.
This document outlines the business opportunity and compensation structure for ACN, a direct sales company operating in telecommunications and essential services across 23 countries. It describes the various positions that can be earned like ETT, ETL, and TC based on acquiring personal and team customers. Representatives earn residual commissions from 1-10% on their own customers and 1/4-8% on their downline team's customers each month.
Sterling Bank Plc is a full-service commercial bank in Nigeria that has grown over 50 years from an investment bank to a universal bank through mergers. In 2013, Sterling Bank's profit before tax grew 24% to N9.31 billion despite challenges, through efforts of management and staff. The bank successfully raised N12.9 billion in a rights issue, increasing equity to N63 billion. Sterling Bank remains committed to operating responsibly and enriching lives of stakeholders, communities, employees, partners, customers and shareholders. Notable initiatives included expanding financial inclusion and a street cleaning program.
- The Chairman notes that 2015 presented tremendous challenges for Nigeria and the construction industry due to economic difficulties like low oil prices and a volatile business environment. This resulted in a slowdown of major public and private sector projects.
- To deal with these challenges, Julius Berger took proactive measures like reducing overhead costs, adjusting performance planning, and retrenching staff in order to remain viable during the economic downturn. The Group also increased its focus on third party business and suspended works on poorly paying sites.
- While the year was difficult, the Chairman expresses confidence that Julius Berger's experience and expertise will enable it to continue playing a leading role in Nigeria's development when economic conditions improve.
- Leadway Assurance Company saw a 53% increase in gross premiums written in 2012 to N36.9 billion, driven by special risk businesses, though a corresponding 37% increase in reinsurance premiums led to a slight decline in net premiums.
- Claims expenses rose 14% due to claims from industrial property and credit insurance, hurting underwriting profits which fell 42%, though investment income rose 60%.
- Overall profit after tax declined to N673 million from N973 million in 2011 due to provisions for outstanding premiums.
- The balance sheet grew 58% to N66.3 billion while shareholders' funds rose 20% to N11.9 billion, with a dividend of 4.5
This budget presentation was delivered at the December 18th Regular Meeting and passed unanimously. This SlideShare highlights the overall objectives that the Village hopes to achieve this year with this budget in place.
'Save money, get your r&d centre recognised by dsir' flowchartRajeev Surana
This document outlines the process for an R&D center to obtain recognition and approval from DSIR, the Department of Scientific and Industrial Research in India. It explains that an R&D center must first be recognized by DSIR to receive excise and customs benefits, and then approved to receive income tax benefits. The recognition process involves filling out a pro forma and providing documents about the R&D activities and facilities. The approval process involves engaging in an agreement with DSIR and providing additional documents such as annual reports and details of scientific personnel and infrastructure.
Leadway Assurance Company Limited reported strong financial results for 2013, with gross premiums written increasing 13% to N41.7 billion driven by growth in life business. Net underwriting income rose 7% to N15.6 billion and profit after tax increased 155% to N1.7 billion. The company proposed a dividend of N750 million or 8.5 kobo per share. Leadway is executing a 3-year strategic plan to grow its business and reaffirm its leadership position in the insurance industry through a focus on customer service, business processes, and increasing retail contributions.
This document provides a summary of MRS Oil Nigeria Plc's annual report and financial statements for the year ended December 31, 2011. It discusses the company's operating environment, including the economic, political, and industry conditions. Some key points:
- The global economy showed signs of recovery, though developed economies lagged. Emerging markets like Nigeria saw faster growth.
- Nigeria's GDP grew 7.69% in 2011 and oil production averaged 2.3 million barrels per day. However, inflation remained in double digits and exchange rates were volatile.
- Political instability from violence, kidnappings and sectarian clashes hurt investment. However, amnesty programs stabilized the oil-rich Niger Delta region.
- Despite
The document contains audited financial information for MRS Oil Nigeria PLC for the year ended December 2010. It shows that in 2010, the company's gross income was N74.781 billion, profit before tax was N2.887 billion, and profit after taxation was N1.847 billion. The balance sheet information indicates the company's fixed assets increased to N18.209 billion in 2010 from N3.036 billion in 2009, while working capital rose to N2.860 billion from N1.069 billion. The net assets of the company increased substantially to N18.528 billion in 2010 compared to N2.965 billion in the previous year.
May 11, 2015 Monday Morning Learning and Growth, 2015 Budget AnnouncementsJesse Dunn, CPA, CA
The document summarizes key points from the 2015 federal and provincial budgets of Ontario and Quebec. It outlines measures for businesses and individuals, such as reducing the small business tax rate, increasing the lifetime capital gains exemption, and amendments to tax credits. The presentation provides an overview of the budgets and their goals of maintaining balanced budgets while implementing tax measures and programs related to families, innovation, and other priorities.
El documento describe las cuatro etapas de la educación a distancia a través de la historia: 1) Enseñanza por correspondencia desde finales del siglo XIX utilizando impresos enviados por correo, 2) Enseñanza multimedia en la década de 1960 usando radio, TV y casetes, 3) Enseñanza telemática desde la inclusión de ordenadores permitiendo comunicación síncrona y asincrónica, e 4) Enseñanza vía internet centrada en el estudiante y con recursos multimedia interactivos.
During the Start-up module of Hyper Island we worked together as a start-up team for a period of 6 weeks to explore and launch our idea. This deck includes our reflection of the entire journey and the start-up idea.
Sandra Frazer is applying for a position as a Medical Assistant/Secretary and has over 20 years of experience in various medical roles. She includes her resume which details her skills in areas such as vital sign collection, injections, EKGs, lab testing, medical records, and front office duties. Frazer believes she would be a great fit for the position because in addition to her clinical skills, she is honest, trustworthy, reliable, and able to work independently or as part of a team. She requests the opportunity to discuss her experience and qualifications further.
Men's Luxury category - Business TransformationAksha Sachdev
During our business transformation module at Hyper Island UK, myself and my group worked on a brief from online shopping giant Shop Direct's subsidiary Very Exclusive. The brief helped us dive deeper in to the male shoppes' attitudes and needs to recommend a new outlook towards future of online shopping.
Exploring the scope and future of remote working professionals and using technology to help collaborations in future. Study created for Mural - A remote brainstorming tool. This deck covers the reflective journey of my team, in the hunt of solutions.
Position Description Financial Systems SpecialistPaul Smallwood
This position is for a Financial Systems Specialist in Australia who will ensure the financial integrity of existing and new systems, represent the finance department on IT projects, and support finance data requirements. The specialist will report to the Internal Reporting and Planning Manager and be responsible for tasks like requirements gathering, system testing, process improvements, and maintaining relationships between finance and IT. Qualifications and experience required include a formal accounting or IT qualification, 2+ years of general insurance accounting and systems development experience, and skills in areas like programming, project management, and insurance accounting.
The document provides an overview and acknowledgements for a community-driven planning process focused on improving Hunts Point, Bronx. It summarizes outreach efforts, which included consulting with community organizations, conducting preference mapping with residents, and hosting a community meeting. The planning process analyzed existing conditions and developed recommendations for vacant lots, food access, and placemaking to positively impact the community.
United Nations with Hyper Island - Refugee BriefAksha Sachdev
In a day long brief from United Nations we worked together find ways to engage Refugees in camps in simple jobs that could earn them a living and help companies outsources tasks with the help of Digital.
Thu Tran Xuan (Buck Tran) graduated from Fort Jones University in 2002 with a Bachelor of Business Administration degree majoring in Management. He maintained a GPA of 3.21 over 24 courses taken across 6 semesters and received a Certificate of Distinction for outstanding performance in Social and Cultural Geography. This document provides verification of Buck Tran's academic credentials from Fort Jones University and includes a link and login credentials to personally verify his academic documents online.
The RoboMama team presents a reflection on their process of developing a solution for the Bright HR challenge to predict the future of human resources. They analyzed problems in the industry through research and interviews. They defined key pillars for self-management skills and focused on self-discovery for their target group of teenagers. The team prototyped mobile app screens and received feedback that their idea was still fragmented. After realizing their solution addressed too many purposes, they streamlined their focus to better solve the original problem of supporting self-management education. Each member reflects on key learnings around constructive debate, time management, challenge seeking, and the value of a disruptive solution process.
Business Transformation - Future of Alkaline Single Use BatteriesAksha Sachdev
As a part of the Business transformation module, I chose to work on the changing environment and the need for change for Alkaline battery businesses using Duracell brand as a example. The attached deck is a reading deck the covers opportunity and recommendation for the business.
The document provides information about National Salt Company of Nigeria PLC's (NASCON) annual report and accounts for 2014. It includes NASCON's vision, mission, results for 2014, chairman's statement on 2014 performance and prospects for 2015. Some key points:
- NASCON achieved a 4% increase in turnover to N=11.2 billion in 2014 but profit was impacted by the operating environment.
- A new seasoning product was launched and a vegetable oil refinery and tomato paste line will be completed in 2015.
- The name was changed to NASCON Allied Industries Plc to reflect the diversified product range.
- A dividend of 50 kobo per share was recommended for shareholders.
- ClubCorp delivered strong Q3 2015 results, with revenue up 25% year-over-year to $255 million and adjusted EBITDA up 21% to $55 million.
- The company executed on its three-pronged growth strategy of organic growth, reinvention of existing clubs, and acquisitions. In Q3, it added elements to 19 clubs and had another 13 under construction. It also acquired 8 new clubs.
- For full-year 2015, ClubCorp tightened its adjusted EBITDA guidance to a range of $232-236 million, representing 18-20% growth over 2014, due to strong year-to-date performance and accelerated reinvention plans for acquired clubs.
The document summarizes CNO Financial Group's 4Q13 financial and operating results. Key points include:
- Businesses continued performing well with sales, premium, and earnings growth.
- Returning value to shareholders while continuing on path to investment grade status.
- Completed an OCB long-term care reinsurance transaction that reduced LTC exposure by 12% and was accretive to earnings.
- Investments in distribution channels drove consolidated sales growth of 6% for 2013.
- 4Q and full year results showed strength in annuity margins, investment returns, and OCB performance.
- Capital and liquidity positions remained strong with deployable capital of $160 million.
20151207 brs fy15_fullyearresultspresentationT Bone
Transfield Services FY2015 Full Year Results Investor Presentation
1. Transfield Services delivered on its guidance for FY2015 with revenue of $3.8 billion, underlying EBITDA of $265 million, and underlying NPAT of $72 million.
2. The balance sheet repair is well progressed with a leverage ratio of 1.8x within the target range and $102 million of free cash flow used to reduce net debt.
3. The strategy and operational model is delivering with margins improved to 7.0% and a pipeline of opportunities over $25 billion.
This document provides an earnings presentation by Masco Corporation for the third quarter of 2014. Some key points include:
- Masco reported 4% revenue growth and a 9% increase in adjusted operating profit for Q3 2014 compared to Q3 2013.
- Operating margin expanded by 60 basis points due to consistent execution and strong operating leverage.
- Plumbing Products sales increased 4% driven by strength in wholesale/trade channels, while Decorative Architectural Products sales were flat in a challenging comparison to the prior year.
- Cabinets and Related Products incurred restructuring charges but grew sales 2% through initiatives in the dealer channel.
The document is the report of the directors and consolidated and separate audited financial statements for Computer Warehouse Group PLC for the year ended 31 December 2015. It includes information such as the directors' report, corporate governance report, statement of directors' responsibilities, independent auditors' report, consolidated and separate statements of profit or loss and other comprehensive income, financial position, changes in equity, cash flows, notes to the financial statements, value added statement, and 5-year and 4-year financial summaries. The directors report that the group incurred a loss before taxation of N1,746,997,000 for the year ended 31 December 2015 compared to a profit before taxation of N57,636,000 in the prior year.
The document is Morgan McKinley's 2011 Salary Guide for Ireland. It provides an overview of hiring trends and salary expectations across different sectors in Ireland based on a survey of over 700 managers. Key findings include that 42.8% of managers expect to increase headcount in 2011, 25.7% expect salaries to rise, and 63.6% expect salaries to remain the same. While the economic environment remains challenging, the survey findings suggest cautiously optimistic signs of growth in niche skills areas.
Nord anglia education 2 qfy2014 presentation vfinalnordangliair
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Transfield Services provides a wide range of essential services across industries like oil and gas, facilities management, defense, transportation, utilities and telecommunications. The company delivered strong financial results in 2015 with increased revenue, earnings and cash flow despite difficult market conditions. Transfield Services continues focusing on strengthening its balance sheet by prioritizing debt reduction and improving key financial metrics. Looking ahead, the company sees clear paths for growth through operational efficiencies, leveraging defense work, social outsourcing, and capitalizing on infrastructure projects.
UGI Utilities is Pennsylvania's second largest natural gas distribution company serving over 626,000 customers. It has a constructive regulatory environment and opportunities for growth supported by its proximity to the Marcellus Shale reserves. UGI Utilities achieved record capital investment in 2016 of over $260 million and added approximately 16,000 new customers. It expects to continue strong capital investment to increase system reliability and support growth, growing its rate base and net income 5-7% annually.
The document provides budgets and financial projections for Estate Ltd. for 2013, including a cash budget, income statement, and production budgets. It finds that the company will have a short-term cash deficit in March but an overall cash surplus of £355,760 for the year. It recommends finding financing for the March deficit, such as obtaining an overdraft, and increasing cash sales or shortening receivable periods to avoid future deficits. The budgets predict a net profit of £464,802 for the year.
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Ye 2014-square two-investor-call-presentation-final-03-02-15SquareTwoFinancial
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WuXi PharmaTech reported first quarter 2013 financial results that exceeded guidance. Total revenues grew 11.7% year-over-year to $131.9 million, driven by 15.5% growth in China-based laboratory services and 9.6% growth in manufacturing services. Non-GAAP diluted EPS grew 7.5% to $0.35. WuXi reconfirmed its full-year 2013 guidance for revenue growth of 13-15% and non-GAAP EPS growth of 6-9%. WuXi expects continued double-digit revenue growth across most business units in 2013 and remains focused on controlling costs and returning cash to shareholders.
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- Key highlights included continued growth in the franchise, strong capital ratios, and $376.5 million spent on share repurchases for the full year.
- Sales growth outlook for 2015 is estimated at 3-6% overall, with individual segment expectations ranging from 3-8% growth.
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Hillenbrand provided a Q3 2016 earnings presentation covering consolidated and segment financial results. Key points include:
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- GAAP EPS was $0.48, while adjusted EPS increased slightly to $0.53.
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CMW - June 2014 Annual Financial ReportBrad Sheahon
Cromwell Property Group delivered strong financial results in FY2014, with operating profit up 43% to a record $146.7 million. Statutory profit increased 295% to $182.5 million. Distributions were up 5% to 7.6 cents per security. Net tangible assets per security increased to $0.73. Gearing was reduced to 42%. The funds management business continued to grow strongly, with operating profit up 30% to $8.3 million. Cromwell remains focused on delivering predictable, growing distributions through active management of its property portfolio and funds management business. Guidance for FY2015 is for operating earnings of at least 8.3 cents per security and distributions of 7.85 cents per
1. &QBEManagementServices Pty LimitedABll32 0e.13C0 131
Leve C5 2 Pa.k Street SYDNEY NSfi2C0C Arslralla
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QBE
PRIVATE & CONFIDENTIAL
19 March 2015
PaulSmallwood
Finance
Dear Paul,
On behalf of QBE I would like to congratulate you for your hard work and dedication throughout 2014. As a result of
your efforts we have achieved a strong financial result in both our Australian and New Zealand businesses.
Aehiening good financial results medns QBE*cah ieward you fOr your contribution-to our suecess via the-ahnual'.--
Remuneration Review and Short Term lncentive and Bonus Plans.
Your TRC Review outcome
Your TRC has been reviewed in line with cunent market practice and your performance achievement for 2014.
I confirm your TRC is $203,5{4, which will be effective from 1 April 2015. Your TRC will next be reviewed effective 1
April 2016 in line with our review cycle.
Your Bonus Plan outcome
lntroduced in 2014 as part of the new Global Remuneration Framework, the Bonus Plan is designed to reward you
for meeting annual targets aimed at delivering the ONE QBE strategy. Reward outcomes are based on the
performance of the Division, Business Unit, and your achievement of your PMP objectives, over the performance
year commencing on 1 January 2014. As part of the design of the Bonus Plan, each of the performance targets
operate independently. This means that that if one performance target is not met to at least a minimum level, you
can still receive a Bonus Plan award based on meeting your other performance targets, subject to achieving a PMP
rating of 3 or higher.
Following our Division and Business Unit performance for 2014, and your annual PMP rating of 4. Excellent, I am
pleased to advise that your Bonus Plan award for lhe 2014 performance year is $35,057.
This award will be paid to you in an off cycle pay period in the week ending 28 March 2015, less Superannuation
Guarantee Contribution and any applicable and PAYE tax. Please see the next page for your Bonus Plan calculation
breakdown.
Thank you
Thank you again for your efforts in 2014 and I look fonruard to delivering excellent results with you again this year.
Yours sincerely,
I
i*-
t.-;
Victor Walter
Chief Financial Officer
A Member of the QBE Insurance Group
2. QBE
PRIVATE & CONFIDENTIAL
13 March 2014
PaulSmallwood
Finance
Level 04, 82 Pitt Street
SYDNEY NSW2OOO
Dear Paul,
Congratulations on a great result for 2013!
On behalf of QBE I would like to congratulate you for your contribution, hard work and dedication throughout 2013.
As a result of your efforts we have achieved a great result in Australian and New Zealand Operations.
Welldone!
Achieving good results means QBE can reward you for your contribution to our success via the annual remuneration
review and Short Term lncentive Plan (STl).
Your Short Term lncentive Plan outcome
Participation in the Short Term lncentive Plan is based on our'pay for performance' phllosophy, with your STI
outcome measured against the pedormance of company Return on Equity (ROE), Profit Drivers and your PMP
rating. The target level of performance for the 2013 STI Plan is the achievement of a ROE of 20.4o/o for Australia,
and [articipation criteria is based on your achievement of a PMP rating of "3 - Fully Met Expectations" or better.
The 2013 ROE result for Australia of 21.8o/o triggers an achievement percentage of 1 16.3% for the ROE component
of your STl.
As your PMP rating (4. Excellent) met the participation criteria, I am very pleased to advise that you will be awarded
an incentive payment of $29,722.00 (gross), which will be paid to you less any applicable superannuation (including
salary sacrifice superannuation) and PAYG tax.
The following table outlines the split between each STI component. The Fixed Remuneration amount is as at 31
December 2013, which is the date used for STI calculation purposes.
Your STI payment will be paid in an off cycle pay period in the week ending 21 March2014.
Thank you
2014 is ayear of opportunity for QBE and I look foruvard to delivering superior results with you again this year
Yours sincerely,
'.:
Victor Walter
Chief Financial Officer
QBE Managemenl Seruices Pty Limiled
AEN 92 004 800 131
Le';el2l
S Chifley' Square
S;Cney NSfi 20t1*
Au-clralia
Postal Address
GFO Box 82
Si,dneyNS'tri 2C01
Telephone 82 9375 1000
Facsin'rle. 02tl333 31.+1
DX 1C171 Sydne'; Stock Exchange
STI Payout amountComponent Weighting Achievemenl Pro rata oh
Fixed Remuneration STI Target %
ROE 30% 116% 100% $175,368 1 5o/o $9,1 78
Profit Driver Group - Atl Finanoe 30% 1A7ek 100Yo ${75,368 15% $8,444
Total $29,722
3. --.]',..=''.
QBE
05 March 2013
Paul Smallwood
Finance
Level 05, 115 Pitt Street
SYDNEY NSW 2OOO
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iac*v*rie i02) ir?3* :t1{iiJ
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Dear Paul,
On behalf of QBE I would like to congratulate you for your contribution, hard work and dedication throughout
2012. QBE faced an extremely challenging ye-ar in 2011, and as a result of disciplined planning across QBE
Australian Operations in2012, emerged with a pleasing financial result.
participation in the Short Term lncentive (STl) Plan is based on o11'qaV*fol Ogrformance'philosophy, with
performance measured against the three STI components being ROE, Profit Drivers and PMP rat'49. T|" -
ihreshold level of performince for the 2O12 STI Plan is the achievement of a Return on Equity (ROE) of 15% lor
Australia, and participation criteria is based on achievement of a PMP rating of "3, Fully Met Expectations" or_
better. Tie 2012 RO'E result for QIA of 20.45o/o which triggers an achievement percentage of 82.25o/o for the QIA
ROE component of the STl.
The overall pool available for the STl, which is based on the above three components, has been adjusted to
atign to the approved budget, with the adjustment applying to all participants consistently.
As your PMP rating (4. Excellent) has met the participation criteria, I am pleased to advise that you will be
awirded an inceniive payment of $24,306.83 (gross), which will be paid to you less any applicable
superannuation (including salary sacrifice superannuation) and PAYG tax.
See the following table for the split between each STI component. Note Fixed Remuneration is as at 31
December 2012.
Although we had to make some difficult decisions, I commend you and your team.for working with your
custoniers to deliver results, working with your teams in times of change, and working within our communities to
provide a valued service. 2013 will be no lbss challenging than previous years and I look forward to delivering
superior results with you again in 2013.
'j
Yours sincerely,
r-
l.q4*-tt
t_)
Victor Walter
Chief Financial Officer
STI Target %
Total - Adjusted to align with approved overall budget
This STI payment will be paid together with your usual salary in the pay period ending 15 March 20'13
Component Weighting Achievement Pro rata % Fixed Remuneration STI Payout amount
ROE 30o/o 82.25Yo 100% $170,226 15% $6,300.00
ffi re ffi#ffi =i.=ggl%:i
ffi :=S-g&::: *iffi
Total $27,007.s9
10.00% $24,306.83
4. OBE
26 April2012
Paul Smallwood
Level 5
115 Pitt Street
Sydney NSW 2000
Dear Paul,
Throughout2Oll, QBE faced a number of difficulties that negatively impacted its bottom
line including a record level of catastrophes that affected the worldwide insurance
industry, substantially lower risk free rates for discounting outstanding claims and
unrealised losses on investments due to widening credit spreads.
As a result of these challenges, overall QBE lnsurance Australia ROE and your business
unit's ROE fell below the 15% required to activate the STI scheme for the 2011 year.
Despite the difficult year we faced, QBE has maEe a discretionary pool available to enable
an STI payment to be made to recognise people that performed at a high level throughout
2011.
You have been identified as a high performing employee via the PMP process, and as a
result, I am pleased to advise that you will be awarded a cash incentive of $5000 (gross),
subject to superannuation and PAYG tax.
This STI payment will be paid together with your usual salary in the pay period ending 1 1
May 2012. Please note that this payment may have been pro-rated based on start date, or
any leave without pay you have taken during the 2011 calendar year.
On behalf of QBE, I would like to say thank you again for your contribution and efforts
throughout last year. lam sure that 2012 will be a busy, interesting, productive and
profitable year.
Yours sincerely,
,i).--
I ^t ,/
I frArF--r'
l'.:---
l--{
tit///
VictorWalter
Chief Financial Officer
QBE MANAGEMENT SERVICES
PTY LIMITED
ABN 92 004 800 '131
82 Pitt Street
Sydney NSW 2000
AUSTMTIA
Postal Address
Box 82 GPO
Sydney NSW 2001
Telephone. (02) 9375 4444
lnternationalr +81 29375 4444
Facsimile. (02) 9235 3166
DX: 10171 Sydney
5. 8BE
09 March 2011
Paul Smallwood
Finance
Sydney NSW
QBE Management Services Pty Limited
ABN 92 004 800 131
82 Pitt Street
Sydney NSW 2000
Australia
Postal Address
GPO Box 82
Sydney NSW 2001
Telephone: 02 9375 4444
Facsimile: 029375 4126
DX 10171, Sydney Stock Exchange
Dear Paul,
On behalf of QBE I would like to convey our appreciation for your contribution and efforts during 2010.
The yqqr reinfolce{_that we aqq actryqartd- rcSpo-rcrble-meflbe!'sg[ our ,communltf Olf products provide
security and assistance through the most unexpected events and we can be proud of how we responded
to major catastrophes and other activities.
201 0 was a year in which the insurance industry responded to some of the most extreme weather
conditions experienced in Australia's history - the Melbourne and Perth hailstorms are examples. The
overall Australian result was satisfactory but unfortunately was below budget, thereby reducing the overall
STIpool.
ln light of your contribution you will be awarded a cash incentive of $21,850 (gross), subject to
superannuation and PAYG tax.
This STI payment will be paid together with your usual salary in the pay period ending 18 March 201 1.
ln order to achieve our 2015 aspirations, your continued efforls and commitment to maintaining our
market leading position, as well as your dedication to servicing our customers and supporting colleagues,
is an absolute necessity and I would appreciate your support for these initiatives.
Whilst 2010 has been a challenging year we can proceed in 201 1 with confidence. We will continue to
stay focused on what matters most to our customers, investors and ourselves.
I look forward to working with you in this year to ensure that we can deliver on our 2011 objectives.
Yours sincerely,
Victor Walter
Chief Financial Officer
6. 'jlr'''i:''*'
&sH
0B March 2010
Paul Smallwood
Finance
Finance Executive
Dear Paul,
QBE Management Seruices Pty Limited
82 Piii Sr
SyCney NSW 2000
Australia
Postal Address
GPO Box 82
Sydney NSW 200'1
Te ephone: +612 9375 4444
Facsimile: +612 9375 3144
Thank you for your contribution to QBE Australia's result for 2009'
It was a difficult year due to the impact of the global economic downturn, turbulent financial conditions and significant
market challenges.
These conditions have impacted a number of business units to the extent that they have been unable to deliver their
desired results. Whilst the overall Australian result was satisfactory it was below budget which has reduced the amount
of the STI pool.
Notwithstanding the reduced STI pool your contribution has been recognised and you will be awarded a cash incentive
of $17,885 (gross), subject to superannuation and PAYG tax'
your STI payment will be paid together with your usual salary in the pay period ending 19 March 2010'
your efforts and commitment to maintaining our market leading position and your ongoing dedication to servicing
customers and supporting colleagues is greatly appreciated'
I look forward to working with you in these challenging times to ensure that we deliver our 2C10 objectives'
Yours sincerely
i--
l*/-i-_ j
Victor Walter
Chief Financial Officer,
Finance