- Nordnet's year-end report for 2012 showed decreases in operating income, profit after tax, and earnings per share compared to 2011.
- Key events in the fourth quarter included continued growth in consumer loans and pension inflows, the hiring of a new savings economist, and strong growth in fund savings.
- While income and profits decreased year-over-year, Nordnet saw increases in active customers and accounts as well as net savings compared to the previous year.
Nordnet's interim report presentation for the period January -December 2013.
Some events during Q4:
- Strong underlying growth in Denmark and Finland
- Strong market activity and Nordic indices ATH
- The Boards of Directors suggests an increased dividend of SEK 0.85 per share (0.70)
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.
Wolters Kluwer shared its 2013 half-year results on July 31, 2013 with investors and analysts through a presentation and live webcast. You can watch the archived webcast at http://ht.ly/nuiY2
Nordnet's interim report presentation for the period January -December 2013.
Some events during Q4:
- Strong underlying growth in Denmark and Finland
- Strong market activity and Nordic indices ATH
- The Boards of Directors suggests an increased dividend of SEK 0.85 per share (0.70)
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.
Wolters Kluwer shared its 2013 half-year results on July 31, 2013 with investors and analysts through a presentation and live webcast. You can watch the archived webcast at http://ht.ly/nuiY2
Showcase the role of financial management with this content ready Financial Planning PowerPoint Presentation Slides. The ready to use financial management PowerPoint complete deck comprises of templates such as financial management goals, objectives, US financial system, financial instruments, rights issue, debenture, time value for money parameters, valuation of bonds, comparative statement, common size statement, balance sheet , cash flow statement, trend analysis, ratio analysis, cash flow for operating activities and many more. Estimate the requirement and make a forecast of funds needed. Get your audience focus on forex capital analysis, capital budgeting evaluation techniques of projects, capital structure and dividend policy, leverage analysis, cost of capital, working capital analysis, receivable management, inventory management, economic order quality, FIFO and LIFO method, commodity exchange basics and types, commodity exchange structure, financial risk management, types and components, financial risk analysis, capital asset pricing model, etc. Download the corporate finance management PPT slides to prepare financial plans. Leave them gaping with our Financial Planing PowerPoint Presentation Slides. They will be dumbstruck by your abilities.
Nordnet's interim report for the period January-September 2014.
Highlights from the third quarter:
- Launch of the social investing network Shareville
- The Super funds available on all Nordic markets
- Continued strong underlying growth of customers and net savings
A quick walkthrough of the key components in Nordnet's business. Basically, this is essential information for anyone thinking of investing in the Nordnet share.
Bank 2.0: Så demokratiseras sparandet genom en social plattform, Jan Dinkelsp...Nordnet
Bank 2.0 konferens: Så demokratiseras sparandet genom en social plattform. Presentation av Jan Dinkelspiel, innovationschef på Nordnet om trender inom bank och finans.
Showcase the role of financial management with this content ready Financial Planning PowerPoint Presentation Slides. The ready to use financial management PowerPoint complete deck comprises of templates such as financial management goals, objectives, US financial system, financial instruments, rights issue, debenture, time value for money parameters, valuation of bonds, comparative statement, common size statement, balance sheet , cash flow statement, trend analysis, ratio analysis, cash flow for operating activities and many more. Estimate the requirement and make a forecast of funds needed. Get your audience focus on forex capital analysis, capital budgeting evaluation techniques of projects, capital structure and dividend policy, leverage analysis, cost of capital, working capital analysis, receivable management, inventory management, economic order quality, FIFO and LIFO method, commodity exchange basics and types, commodity exchange structure, financial risk management, types and components, financial risk analysis, capital asset pricing model, etc. Download the corporate finance management PPT slides to prepare financial plans. Leave them gaping with our Financial Planing PowerPoint Presentation Slides. They will be dumbstruck by your abilities.
Nordnet's interim report for the period January-September 2014.
Highlights from the third quarter:
- Launch of the social investing network Shareville
- The Super funds available on all Nordic markets
- Continued strong underlying growth of customers and net savings
A quick walkthrough of the key components in Nordnet's business. Basically, this is essential information for anyone thinking of investing in the Nordnet share.
Bank 2.0: Så demokratiseras sparandet genom en social plattform, Jan Dinkelsp...Nordnet
Bank 2.0 konferens: Så demokratiseras sparandet genom en social plattform. Presentation av Jan Dinkelspiel, innovationschef på Nordnet om trender inom bank och finans.
Nordnet's interim report presentation for the period January-June 2013.
Events during Q2: Nordnet acquired the majority of the social investing network Shareville, Bank/Stockbroker of the Year in Denmark for the fifth consecutive year, removal of purchase and redemption fees on all funds on our Finnish platform.
Nordnet's interim report for January-March 2010, released April 22. Presentation held by CEO Carl-Viggo Östlund and CFO Fredrik Svederman. Main theme: Nordnet challenges the Jurassic Banks
Nordnet's interim report for the period January-March 2014.
Some events during Q1:
- High level of activity in the Nordic markets - number of trades was up by 17 %
- More than 400,000 savers on Nordnet's platform, with more than 500,000 accounts
- Build-out of sales foce in occupational pension on the Swedish market
Nordnet's interim report for the period january-june 2014.
Highlights from the second quarter:
- Launch of three no-fee Nordic Super funds
- Strengthening of pension operations in the Swedish market
- Stockbroker of the year in Denmark
Nordnet's interim report presentation for the period January -September 2013.
Some events during Q3:
- Highest savings capital ever, SEK 127 billion
- Profit more than doubled for the three-month period
- Digital sign up – become a customer simple and quick with mobile bank-ID
Abengoa Annual Report 2013 - Legal and Economic-Financial InformationAbengoa
Abengoa is committed to reporting its activities in a clear and transparent way. This is the third of four volumes that comprise Abengoa’s Annual Report.
Abengoa's Annual Legal and Economic-Financial Information Report contains the information about consolidated financial statements and consolidated management report.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. financial overview
January – December
• Operating income decreased by
13 percent to SEK 938.4 million
(1,084.2)
• Profit after tax fell by 30 percent to
SEK 188.9 million (270.1)
• EPS before dilution were down by
30 percent to SEK 1.08 (1.54)
October – December
• Operating income decreased by
14 percent to SEK 227.7 million
(266.2)
• Profit after tax fell by 9 percent to
SEK 53.0 million (58.6)
• EPS before dilution were down by
9 percent to SEK 0.30 (0.33)
3. events during Q4
• Continuous growth in consumer loans
• Günther Mårder new savings economist
• Pension inflow doubled two consecutive years
• Strong growth in fund savings
• Nordnetbloggen – the Nordic’s savings community
11. income statement (SEK million)
3 months 3 months 12 months 12 months
Consolidated Income Statement (SEK million) oct-dec 2012 oct-dec 2011 jan-dec 2012 jan-dec 2011
Net interest income 125.5 142.0 520.6 547.3
Net commission income 77.3 106.6 344.2 460.3
Other income 24.8 17.6 73.6 76.7
Total operating income 227.7 266.2 938.4 1,084.2
General administrativ e expenses -140.8 -139.5 -562.3 -568.5
Depreciation and amortization -16.1 -15.7 -63.2 -69.3
Other operating expenses -9.9 -18.6 -41.1 -54.1
Total operating expenses -166.8 -173.7 -666.5 -691.9
Profit before credit losses 60.9 92.5 271.9 392.3
Net credit losses -12.2 -8.1 -44.7 -40.9
Operating profit 48.7 84.4 227.2 351.5
Tax on profit for the period 4.3 -26.4 -38.3 -81.3
Profit for the period 53.0 58.1 188.9 270.1
Earnings per share before dilution 0.30 0.33 1.08 1.54
12. balance sheet (SEK million)
Consolidated Statement of Financial Position (SEK million) 31/12/2012 31/12/2011
Loans to credit institutions 1,465 1,838
Loans to the public 4,737 4,630
Financial assets 5,388 5,172
Financial assets - policy holders bearing the risk 18,962 16,463
Tangible and intangible assets 507 546
Current tax assets 7 4
Other assets 326 409
Total assets 31,392 29,062
Deposits and borrowing by the public 10,488 10,708
Liabilities to policyholders 18,962 16,465
Other liabilities 428 460
Shareholders' equity 1,514 1,429
Total liabilities and shareholders' equity 31,392 29,062
13. capital coverage (SEK million)
Capital requirements for the financial conglomerate (SEK million) 31/12/2012 31/12/2011
Shareholder's equity, Group 1,514.0 1,429.3
Plus debenture loan 175.7 175.7
Less assumed div idend for the current financial year -122.5 -113.8
Less intangible fixed assets and deferred tax receiv ables -475.3 -513.3
Capital base 1,091.9 977.9
Capital requirement for regulated units within the banking and securities sector 444.2 465.8
Theoretical solv ency requirement for non-regulated units in the largest financial sector 0.8 1.6
Capital requirement for regulated units within the insurance sector 32.2 26.0
Capital requirement 477.1 493.4
Capital surplus 614.7 484.5
Capital coverage ratio 2.29 1.98
14. looking ahead
• More risk appetite in January (signs of spring)
• Growth areas:
o Pension
o Credits
o Cash savings
o Mutual funds
• Active cost management
fixed income supermarket
15. nordnet LIVE – the most important
savings event of the year
Date Tuesday February 12 Time14:00
Location Stockholm Waterfront
The key players in the Swedish financial industry gather during an evening to debate
and give you concrete tools for simple and efficient savings. Webcast: nliv.se
nordnetlive.se