This document provides an overview of Regions Financial Corporation, including:
1) Regions is a top 10 U.S. bank holding company by market capitalization, assets, loans, and deposits, with over 1,900 branches across the Southeast and Midwest.
2) Regions has a significant presence and strong local market share across its core states of Alabama, Florida, Tennessee, Louisiana, Mississippi, Georgia, Arkansas, and Texas.
3) The document outlines Regions' key integration accomplishments following its merger with AmSouth Bancorporation, and previews Regions' initiatives and financial performance outlook for 2007.
Citigroup is a top 10 U.S. bank holding company with over $138 billion in assets and over 1,900 branches. Regions Financial Corporation acquired AmSouth Bancorporation in 2007. Regions has achieved key integration milestones including organizational decisions, systems conversions, and branch divestitures. Regions expects $400 million in annual cost savings from the merger by the second quarter of 2008.
Regions Bank provided a presentation at the Citigroup 2008 Financial Services Conference that included the following key points:
1) Regions is one of the largest US banks with over $140 billion in assets and nearly 2,000 branches across the Southeast.
2) The integration of AmSouth Bank is now complete, with cost saves exceeding original targets.
3) Fourth quarter financial performance was impacted by several one-time charges but credit quality remained stable.
4) Regions has a diversified loan portfolio including commercial real estate, residential mortgages, and consumer loans, with careful management of riskier segments like homebuilders.
This document provides an overview of Regions Bank, including:
1) Regions is among the largest US banks with $144 billion in assets and over 1,900 branches across its southeastern footprint.
2) It cautions that any forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially.
3) Regions has a strong market presence across the southeastern US, ranking first in several states for deposit market share.
Regions Bank reported solid financial performance in the second quarter of 2007. Earnings per share were $0.69, excluding merger charges. Net interest margin was 3.82% and return on assets was 1.43%. Credit quality remained strong, with nonperforming assets at 0.62% of loans and net charge-offs at 0.23% of average loans. Regions also made good progress integrating its merger with AmSouth, exceeding cost savings targets and successfully converting branches in Alabama and Florida.
The document provides an overview of Regions Financial Corporation's 2007 financial outlook and merger integration progress with AmSouth Bancorporation.
The summary is:
1) Regions expects to realize $180 million in pre-tax earnings from the merger in 2007 through purchase accounting adjustments, cost savings from divestitures and branch consolidations, and $150 million in annual cost saves.
2) Integration activities are on track, with key decisions made regarding systems, culture, and divestitures.
3) Core expectations for 2007 include low-to-mid single digit loan and deposit growth, a net interest margin of around 3.90%, and net charge-offs of mid-20 basis
The document summarizes Regions Bank's 2007 annual shareholder meeting. It provides an overview of Regions' financial performance and position in 2007, including details on the successful integration of its merger. It also outlines challenges from the struggling housing market and strong capital position. Finally, it discusses Regions' strategic initiatives like growing Morgan Keegan and its focus on communities and social responsibility.
The document summarizes dividend increases announced by several Canadian and U.S. companies in March 2013. The increases ranged from 2.8% for Bank of Montreal to 23.8% for Tim Horton's. It also provides a brief profile of Bank of Montreal, noting its size, operations, earnings growth, and dividend yield.
CSC reported revenue growth of 5.1% in the first quarter of fiscal year 2005 compared to the same period last year. Revenue totaled $3.7 billion for the quarter. Net income was $110.4 million and earnings per share were $0.58. CSC saw growth in its European outsourcing and U.S. federal government businesses. The company's pipeline of federal opportunities over the next 20 months stands at around $33 billion. CSC announced $4.9 billion in new awards during the quarter from both commercial and government clients.
Citigroup is a top 10 U.S. bank holding company with over $138 billion in assets and over 1,900 branches. Regions Financial Corporation acquired AmSouth Bancorporation in 2007. Regions has achieved key integration milestones including organizational decisions, systems conversions, and branch divestitures. Regions expects $400 million in annual cost savings from the merger by the second quarter of 2008.
Regions Bank provided a presentation at the Citigroup 2008 Financial Services Conference that included the following key points:
1) Regions is one of the largest US banks with over $140 billion in assets and nearly 2,000 branches across the Southeast.
2) The integration of AmSouth Bank is now complete, with cost saves exceeding original targets.
3) Fourth quarter financial performance was impacted by several one-time charges but credit quality remained stable.
4) Regions has a diversified loan portfolio including commercial real estate, residential mortgages, and consumer loans, with careful management of riskier segments like homebuilders.
This document provides an overview of Regions Bank, including:
1) Regions is among the largest US banks with $144 billion in assets and over 1,900 branches across its southeastern footprint.
2) It cautions that any forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially.
3) Regions has a strong market presence across the southeastern US, ranking first in several states for deposit market share.
Regions Bank reported solid financial performance in the second quarter of 2007. Earnings per share were $0.69, excluding merger charges. Net interest margin was 3.82% and return on assets was 1.43%. Credit quality remained strong, with nonperforming assets at 0.62% of loans and net charge-offs at 0.23% of average loans. Regions also made good progress integrating its merger with AmSouth, exceeding cost savings targets and successfully converting branches in Alabama and Florida.
The document provides an overview of Regions Financial Corporation's 2007 financial outlook and merger integration progress with AmSouth Bancorporation.
The summary is:
1) Regions expects to realize $180 million in pre-tax earnings from the merger in 2007 through purchase accounting adjustments, cost savings from divestitures and branch consolidations, and $150 million in annual cost saves.
2) Integration activities are on track, with key decisions made regarding systems, culture, and divestitures.
3) Core expectations for 2007 include low-to-mid single digit loan and deposit growth, a net interest margin of around 3.90%, and net charge-offs of mid-20 basis
The document summarizes Regions Bank's 2007 annual shareholder meeting. It provides an overview of Regions' financial performance and position in 2007, including details on the successful integration of its merger. It also outlines challenges from the struggling housing market and strong capital position. Finally, it discusses Regions' strategic initiatives like growing Morgan Keegan and its focus on communities and social responsibility.
The document summarizes dividend increases announced by several Canadian and U.S. companies in March 2013. The increases ranged from 2.8% for Bank of Montreal to 23.8% for Tim Horton's. It also provides a brief profile of Bank of Montreal, noting its size, operations, earnings growth, and dividend yield.
CSC reported revenue growth of 5.1% in the first quarter of fiscal year 2005 compared to the same period last year. Revenue totaled $3.7 billion for the quarter. Net income was $110.4 million and earnings per share were $0.58. CSC saw growth in its European outsourcing and U.S. federal government businesses. The company's pipeline of federal opportunities over the next 20 months stands at around $33 billion. CSC announced $4.9 billion in new awards during the quarter from both commercial and government clients.
Apertor las vegas locals casino market 1aGregg Carlson
The document summarizes the outlook for the Las Vegas locals casino market, noting that:
1) Recent data and evidence suggests that optimism for a near-term recovery in the locals market is premature, as the market highly depends on the local economy which faces challenges from high unemployment, a weak housing market, and lack of job and population growth.
2) Core industry metrics like daily slot volume and win per slot have plummeted since late 2008 as the recession hit the local gaming and overall economy hard.
3) A recovery in the locals market will likely be slow and protracted given current negative trends and lack of visibility of improvements in the local economic factors that drive the market.
- Third quarter earnings per share were $1.11, up 5% from prior year. Comparable earnings per share were $1.14, up 2%.
- Fleet Management Solutions revenue was down 1% due to lower fuel and commercial rental revenue, but contractual revenue increased. Earnings were down 10% due to commercial rental declines.
- Supply Chain Solutions revenue was up 8% on new business, but earnings grew 6% due to lower incentive compensation offsetting an automotive plant closure.
- Cash flow from operations was $837 million year-to-date, up from $612 million prior year. Net capital expenditures were $535 million year-to-date, down from $1.
This document summarizes previous research on the effects of bank loan-loss reserve (LLR) announcements and identifies gaps in the existing literature. Specifically:
1. Previous studies found mixed effects of LLR announcements on stock prices, with some finding positive effects and others finding mixed or no effects.
2. Most previous studies focused narrowly on announcements in mid-1987 around Citicorp's large LLR addition, providing a limited perspective.
3. Questions remain about whether effects differ for money-center banks versus regional banks, and whether announcements have contagion effects on other banks.
Bank of America Card Services is the leading credit card issuer in the US with $153 billion in outstanding loans. It has a diverse portfolio including credit cards, consumer loans, and international operations. The presentation discusses Bank of America's affinity marketing strategy, which focuses on partnering with organizations to cross-sell multiple products. It highlights opportunities to leverage the MBNA acquisition to expand affinity relationships and cross-sell Bank of America retail banking products to new customer segments.
1. The Washington Metro Area For-Sale Housing Market
2. The Baltimore Metro Area For-Sale Housing Market
3. Policy Spotlight: Federal Tax Credit Completion Deadline Extended
4. Ask Delta 1
5. Summary Data on the Mid-Atlantic Housing Market
6. Local Spotlight: City of Baltimore
7. Regional Spotlight: Loudoun County
8. The Washington Regional Economy and Outlook
9. The Baltimore Regional Economy and Outlook
10. The Condominium Market
11. The Apartment Market
12. The Commercial Real Estate Market
The banking sector in Malaysia saw stable loan growth of 10.9% year-over-year in March 2009, driven partly by a 20-30% jump in loans to government agencies and non-bank financial institutions. However, leading loan indicators remained subdued and loan growth is expected to slow significantly to 2-3% in 2009 due to weaker economic conditions. Non-performing loan ratios continued to improve in March. The report maintains a neutral outlook on Malaysian banks, expecting them to perform better than anticipated despite the economic downturn.
Ecuador es un país situado en el noroeste de América del Sur, limita con Colombia, Perú y el océano Pacífico. Está atravesado por la cordillera de los Andes con más de 80 volcanes y tiene una extensión de 283.561 km2. El país se divide en 4 regiones naturales: la Costa, la Sierra, la Amazonía y el archipiélago de Galápagos.
Ratikanta Sahoo is seeking a position as an attorney. He has excellent communication, organizational, and managerial skills. He is proficient in English, Hindi, French, and Oriya. Sahoo has a bachelor's degree in physics and is currently pursuing an MBA. He has experience conducting research, drafting documents, and presenting information. Sahoo is skilled with various computer programs and operating systems. He has attended seminars on economics, education, and globalization.
El documento describe 7 actividades que podrían realizarse en una empresa de sistemas residenciales, incluyendo la construcción de sistemas integrados de comunicación, la planificación de servicios futuros, la estructuración de nuevos sistemas, investigar métodos para construir y masificar redes LAN residenciales, y crear una empresa que genere empleos y se enfoque en tecnologías emergentes.
Este documento presenta los conceptos fundamentales sobre variables aleatorias unidimensionales. Introduce el concepto de variable aleatoria y explica que pueden ser discretas o continuas. Explica que las variables aleatorias discretas se representan mediante su función de probabilidad mientras que las continuas se representan mediante su función de densidad. Finalmente, indica que tanto las discretas como las continuas pueden representarse mediante su función de distribución para calcular probabilidades.
Este documento define los conceptos de mutágeno, tumor y sus características. Explica las fases de un cáncer desde la metaplasia hasta la metástasis. Describe los tipos de cáncer según su localización y grado de malignidad, así como las causas como factores hereditarios, virales, ambientales y químicos. Finalmente, resume los tratamientos preventivos, quirúrgicos, de quimioterapia y radioterapia para combatir el cáncer.
The document discusses a vision for long-term educational reform proposed by Jon Oaks of Macomb Community College. It advocates for changes to make education more accessible and affordable for all students. The proposal focuses on increasing funding, developing new programs, and improving technology resources to better serve communities.
This document provides context and details for a planning workshop organized by the Global Partnership for Effective Development Cooperation (GPEDC) to develop a two-year work plan. The workshop will bring together representatives from GPEDC members, thematic groups, and other stakeholders. Participants will discuss priority areas and workstreams in breakout groups, including domestic resource mobilization, private sector engagement, South-South cooperation, and monitoring. The goal is to develop a coherent work plan framework with clear activities, milestones, and reporting mechanisms to help coordinate development effectiveness efforts and align them with the post-2015 agenda. The workshop will be hosted in Brussels from January 21-22, 2015.
Este documento presenta un resumen sobre bases de datos relacionales en Microsoft Access 2010 realizado por Jeison Manuel Preciado y Jerson Paez para el Colegio Nacional Nicolás Esguerra. Explica conceptos básicos sobre bases de datos, tablas, consultas, formularios, informes, páginas de acceso a datos y macros. También describe los tipos de relaciones entre tablas: uno a uno, uno a varios y varios a varios.
El documento describe el software LEGO MINDSTORMS NXT, desarrollado por LEGO Education y National Instruments. Explica que el software tiene una interfaz intuitiva de arrastrar y soltar y un entorno de programación gráfico fácil de usar tanto para principiantes como expertos. También incluye los requisitos técnicos para ejecutar el software y proporciona instrucciones básicas sobre cómo crear y ejecutar un primer programa de sonido simple.
La Madre Naturaleza se dirige al lector para recordarle que ella es alguien con quien convive diariamente y que desea lo mejor para él, pero se siente olvidada. Le pregunta por qué no valora los paisajes llenos de color y abundancia, la compañía y la vida que ella le da, a cambio de lo cual recibe muerte. Le pide al lector que haga algo por ella ahora, ya que si no es él, ¿quién lo hará? Y si no es ahora, ¿cuándo?
El documento describe diferentes tipos de sistemas agrícolas según su aprovechamiento del agua, variedad de cultivos y nivel de desarrollo. Incluye la agricultura de subsistencia tradicional, la agricultura itinerante de cremación, la agricultura extensiva de secano y la agricultura irrigada del arroz. También describe la agricultura de mercado mecanizada y especializada de países desarrollados y la agricultura mediterránea y de plantación de países en vías de desarrollo.
Autor: PREFEITURA MUNICIPAL DE IRARÁ
Instituição: PREFEITURA MUNICIPAL DE IRARÁ
Publicação: 1988
Categoria: LIVRO
A obra editada pela Prefeitura Municipal de Irará em 1988, quando o prefeito era Alberto Pereira de Santana (Chico de Beto), apresenta dados e aspectos do Irará da época. O livro contém algumas informações sobre o município, como os símbolos, os prefeitos e um resumo histórico. Há quem considere “Irará 88” um misto de informativo e propaganda governamental. Os dados econômicos e socioculturais descritos no livro podem servir de ponto de partida para o aprendizado de desconhece as informações lá descritas. O “Irará 88” também é útil para análise comparativa. E assim, funcionar como motivação à reflexão sobre às semelhanças e diferenças entre o Irará de hoje e o de 26 anos atrás.
Mark was born in Anaheim, California in December 1977. He enjoyed playing outside and had a nice bike. He loved snowball wars and the beach.
Kerri Ann was born in Flushing, New York in August 1980. She loved baths, playing in the snow, and posing for pictures. She wanted to be a singer.
Mark and Kerri fell in love. Their son, Quinn, was born in Long Beach, California in March 2012. He was 9 pounds, 6 ounces and loved being with his parents.
Effect of media on eating disorders and body - a book chapter by Levine and H...Xanat V. Meza
1) Media exposure can negatively impact body image and increase the risk of eating disorders through the promotion of thin ideals. Experimental studies show brief exposures to these images can cause increased body dissatisfaction.
2) Certain groups, like white women, are more susceptible to media influences. Younger adolescents are also more at risk as they become more aware of societal beauty standards.
3) Mitigating factors like media literacy programs aim to help people critically analyze unhealthy media messages and create alternative representations. Comprehensive prevention requires understanding complex interactions between individuals and their social-ecological contexts.
Este documento presenta 10 preguntas sobre conceptos básicos de bases de datos en Access. Explica que las bases de datos creadas en Access 2010 tienen extensión ACCDB, que el panel de navegación contiene los elementos de la base de datos y se ubica en la izquierda por defecto, y que una tabla está compuesta de campos (columnas) y registros (filas).
Apertor las vegas locals casino market 1aGregg Carlson
The document summarizes the outlook for the Las Vegas locals casino market, noting that:
1) Recent data and evidence suggests that optimism for a near-term recovery in the locals market is premature, as the market highly depends on the local economy which faces challenges from high unemployment, a weak housing market, and lack of job and population growth.
2) Core industry metrics like daily slot volume and win per slot have plummeted since late 2008 as the recession hit the local gaming and overall economy hard.
3) A recovery in the locals market will likely be slow and protracted given current negative trends and lack of visibility of improvements in the local economic factors that drive the market.
- Third quarter earnings per share were $1.11, up 5% from prior year. Comparable earnings per share were $1.14, up 2%.
- Fleet Management Solutions revenue was down 1% due to lower fuel and commercial rental revenue, but contractual revenue increased. Earnings were down 10% due to commercial rental declines.
- Supply Chain Solutions revenue was up 8% on new business, but earnings grew 6% due to lower incentive compensation offsetting an automotive plant closure.
- Cash flow from operations was $837 million year-to-date, up from $612 million prior year. Net capital expenditures were $535 million year-to-date, down from $1.
This document summarizes previous research on the effects of bank loan-loss reserve (LLR) announcements and identifies gaps in the existing literature. Specifically:
1. Previous studies found mixed effects of LLR announcements on stock prices, with some finding positive effects and others finding mixed or no effects.
2. Most previous studies focused narrowly on announcements in mid-1987 around Citicorp's large LLR addition, providing a limited perspective.
3. Questions remain about whether effects differ for money-center banks versus regional banks, and whether announcements have contagion effects on other banks.
Bank of America Card Services is the leading credit card issuer in the US with $153 billion in outstanding loans. It has a diverse portfolio including credit cards, consumer loans, and international operations. The presentation discusses Bank of America's affinity marketing strategy, which focuses on partnering with organizations to cross-sell multiple products. It highlights opportunities to leverage the MBNA acquisition to expand affinity relationships and cross-sell Bank of America retail banking products to new customer segments.
1. The Washington Metro Area For-Sale Housing Market
2. The Baltimore Metro Area For-Sale Housing Market
3. Policy Spotlight: Federal Tax Credit Completion Deadline Extended
4. Ask Delta 1
5. Summary Data on the Mid-Atlantic Housing Market
6. Local Spotlight: City of Baltimore
7. Regional Spotlight: Loudoun County
8. The Washington Regional Economy and Outlook
9. The Baltimore Regional Economy and Outlook
10. The Condominium Market
11. The Apartment Market
12. The Commercial Real Estate Market
The banking sector in Malaysia saw stable loan growth of 10.9% year-over-year in March 2009, driven partly by a 20-30% jump in loans to government agencies and non-bank financial institutions. However, leading loan indicators remained subdued and loan growth is expected to slow significantly to 2-3% in 2009 due to weaker economic conditions. Non-performing loan ratios continued to improve in March. The report maintains a neutral outlook on Malaysian banks, expecting them to perform better than anticipated despite the economic downturn.
Ecuador es un país situado en el noroeste de América del Sur, limita con Colombia, Perú y el océano Pacífico. Está atravesado por la cordillera de los Andes con más de 80 volcanes y tiene una extensión de 283.561 km2. El país se divide en 4 regiones naturales: la Costa, la Sierra, la Amazonía y el archipiélago de Galápagos.
Ratikanta Sahoo is seeking a position as an attorney. He has excellent communication, organizational, and managerial skills. He is proficient in English, Hindi, French, and Oriya. Sahoo has a bachelor's degree in physics and is currently pursuing an MBA. He has experience conducting research, drafting documents, and presenting information. Sahoo is skilled with various computer programs and operating systems. He has attended seminars on economics, education, and globalization.
El documento describe 7 actividades que podrían realizarse en una empresa de sistemas residenciales, incluyendo la construcción de sistemas integrados de comunicación, la planificación de servicios futuros, la estructuración de nuevos sistemas, investigar métodos para construir y masificar redes LAN residenciales, y crear una empresa que genere empleos y se enfoque en tecnologías emergentes.
Este documento presenta los conceptos fundamentales sobre variables aleatorias unidimensionales. Introduce el concepto de variable aleatoria y explica que pueden ser discretas o continuas. Explica que las variables aleatorias discretas se representan mediante su función de probabilidad mientras que las continuas se representan mediante su función de densidad. Finalmente, indica que tanto las discretas como las continuas pueden representarse mediante su función de distribución para calcular probabilidades.
Este documento define los conceptos de mutágeno, tumor y sus características. Explica las fases de un cáncer desde la metaplasia hasta la metástasis. Describe los tipos de cáncer según su localización y grado de malignidad, así como las causas como factores hereditarios, virales, ambientales y químicos. Finalmente, resume los tratamientos preventivos, quirúrgicos, de quimioterapia y radioterapia para combatir el cáncer.
The document discusses a vision for long-term educational reform proposed by Jon Oaks of Macomb Community College. It advocates for changes to make education more accessible and affordable for all students. The proposal focuses on increasing funding, developing new programs, and improving technology resources to better serve communities.
This document provides context and details for a planning workshop organized by the Global Partnership for Effective Development Cooperation (GPEDC) to develop a two-year work plan. The workshop will bring together representatives from GPEDC members, thematic groups, and other stakeholders. Participants will discuss priority areas and workstreams in breakout groups, including domestic resource mobilization, private sector engagement, South-South cooperation, and monitoring. The goal is to develop a coherent work plan framework with clear activities, milestones, and reporting mechanisms to help coordinate development effectiveness efforts and align them with the post-2015 agenda. The workshop will be hosted in Brussels from January 21-22, 2015.
Este documento presenta un resumen sobre bases de datos relacionales en Microsoft Access 2010 realizado por Jeison Manuel Preciado y Jerson Paez para el Colegio Nacional Nicolás Esguerra. Explica conceptos básicos sobre bases de datos, tablas, consultas, formularios, informes, páginas de acceso a datos y macros. También describe los tipos de relaciones entre tablas: uno a uno, uno a varios y varios a varios.
El documento describe el software LEGO MINDSTORMS NXT, desarrollado por LEGO Education y National Instruments. Explica que el software tiene una interfaz intuitiva de arrastrar y soltar y un entorno de programación gráfico fácil de usar tanto para principiantes como expertos. También incluye los requisitos técnicos para ejecutar el software y proporciona instrucciones básicas sobre cómo crear y ejecutar un primer programa de sonido simple.
La Madre Naturaleza se dirige al lector para recordarle que ella es alguien con quien convive diariamente y que desea lo mejor para él, pero se siente olvidada. Le pregunta por qué no valora los paisajes llenos de color y abundancia, la compañía y la vida que ella le da, a cambio de lo cual recibe muerte. Le pide al lector que haga algo por ella ahora, ya que si no es él, ¿quién lo hará? Y si no es ahora, ¿cuándo?
El documento describe diferentes tipos de sistemas agrícolas según su aprovechamiento del agua, variedad de cultivos y nivel de desarrollo. Incluye la agricultura de subsistencia tradicional, la agricultura itinerante de cremación, la agricultura extensiva de secano y la agricultura irrigada del arroz. También describe la agricultura de mercado mecanizada y especializada de países desarrollados y la agricultura mediterránea y de plantación de países en vías de desarrollo.
Autor: PREFEITURA MUNICIPAL DE IRARÁ
Instituição: PREFEITURA MUNICIPAL DE IRARÁ
Publicação: 1988
Categoria: LIVRO
A obra editada pela Prefeitura Municipal de Irará em 1988, quando o prefeito era Alberto Pereira de Santana (Chico de Beto), apresenta dados e aspectos do Irará da época. O livro contém algumas informações sobre o município, como os símbolos, os prefeitos e um resumo histórico. Há quem considere “Irará 88” um misto de informativo e propaganda governamental. Os dados econômicos e socioculturais descritos no livro podem servir de ponto de partida para o aprendizado de desconhece as informações lá descritas. O “Irará 88” também é útil para análise comparativa. E assim, funcionar como motivação à reflexão sobre às semelhanças e diferenças entre o Irará de hoje e o de 26 anos atrás.
Mark was born in Anaheim, California in December 1977. He enjoyed playing outside and had a nice bike. He loved snowball wars and the beach.
Kerri Ann was born in Flushing, New York in August 1980. She loved baths, playing in the snow, and posing for pictures. She wanted to be a singer.
Mark and Kerri fell in love. Their son, Quinn, was born in Long Beach, California in March 2012. He was 9 pounds, 6 ounces and loved being with his parents.
Effect of media on eating disorders and body - a book chapter by Levine and H...Xanat V. Meza
1) Media exposure can negatively impact body image and increase the risk of eating disorders through the promotion of thin ideals. Experimental studies show brief exposures to these images can cause increased body dissatisfaction.
2) Certain groups, like white women, are more susceptible to media influences. Younger adolescents are also more at risk as they become more aware of societal beauty standards.
3) Mitigating factors like media literacy programs aim to help people critically analyze unhealthy media messages and create alternative representations. Comprehensive prevention requires understanding complex interactions between individuals and their social-ecological contexts.
Este documento presenta 10 preguntas sobre conceptos básicos de bases de datos en Access. Explica que las bases de datos creadas en Access 2010 tienen extensión ACCDB, que el panel de navegación contiene los elementos de la base de datos y se ubica en la izquierda por defecto, y que una tabla está compuesta de campos (columnas) y registros (filas).
Este documento describe diferentes instrumentos para medir la velocidad como el velocímetro, que mide la velocidad promedio de un vehículo, y el tacómetro, que mide la velocidad de giro de un eje como el de un motor. También describe el anemómetro, que se usa para medir la velocidad del viento, funcionando principalmente a través de cazoletas o molinetes, o mediante un filamento caliente para cambios repentinos.
SGDB móviles - Relacional y/o No Relacionalsuzu123
El documento resume varias bases de datos móviles y sus características. IBM DB2 Everyplace permite a los usuarios acceder a datos corporativos desde dispositivos portátiles. Sybase Adaptive Server Anywhere es una base de datos móvil pequeña pero potente para entornos móviles. SQLite es una biblioteca de código abierto que almacena la base de datos completa en un solo archivo.
El documento describe diferentes métodos de conteo. Algunos métodos mencionados son el conteo directo, el conteo sistemático y el muestreo. Cada método tiene ventajas y desventajas dependiendo del tipo y tamaño de la población a contar.
Citigroup is a top 10 U.S. bank holding company with over $138 billion in assets and over 1,900 branches. Regions Financial Corporation acquired AmSouth Bancorporation in 2007. Regions has achieved key integration milestones including organizational decisions, systems conversions, and branch divestitures. Regions expects $400 million in annual cost savings from the merger by the second quarter of 2008.
Regions Bank provided forward-looking statements and associated risk factors in a presentation at the Citigroup 2008 Financial Services Conference. The presentation summarized Regions' financial performance in the fourth quarter of 2007, which included increased credit allowance for loan losses to manage risks, strong revenue from Morgan Keegan, and costs savings exceeding original targets from the AmSouth merger integration. Regions also outlined its diversified loan portfolio and steps taken to reduce concentrations in certain sectors like residential homebuilding.
The document discusses Regions Bank, including:
1) Regions has $144 billion in assets and operates primarily in the Southeast US market.
2) Credit quality deteriorated in 2008 due to the housing downturn. Non-performing assets remained high despite aggressive loan sales and higher loan loss provisions.
3) Regions is focusing on problem loan disposition, tightening underwriting, and loss mitigation to manage credit costs, which increased earnings pressure in Q3 2008.
Regions Bank reported solid financial performance in the second quarter of 2007. Earnings per share were $0.69 and net interest margin was 3.82%. Credit quality remained strong with nonperforming assets at 0.62% of loans and net charge-offs at 0.23% of average loans. The integration of AmSouth was proceeding well, with cost saves exceeding original targets. Regions also outlined initiatives for 2007, including consumer and business banking growth, leveraging its expanded capabilities, and improving productivity.
The document provides an overview of Regions Financial Corporation's 2007 financial outlook and merger integration progress with AmSouth Bancorporation.
The summary is:
1) Regions expects $90 million in net income impact in 2007 from the merger due to purchase accounting adjustments and cost savings offsetting lost income from divested branches.
2) Integration is on track, with organizational structure, systems conversions, and culture development progressing as planned.
3) Strategically, the combined company has opportunities for growth in Florida, de novo branching expansion, and leveraging Morgan Keegan's brokerage platform across a broader footprint.
The document summarizes Regions Bank's 2007 annual shareholder meeting. It provides an overview of the company profile, highlights the successful integration of their 2007 merger and strong financial performance in 2007 and Q1 2008. It also discusses the challenges facing the banking industry from housing and credit markets and how Regions is well positioned through low exposure to subprime mortgages and strong capital and loss ratios compared to peers. The presentation outlines Regions' strategic focus on organic growth in its expanding regional footprint through maximizing its franchise.
The document introduces Wisdom Realty's Commission Lock program, which charges a reduced, prepaid commission based on a home's current market value rather than increased future value to help homeowners keep more equity, as the real estate market is volatile and home values fluctuate, potentially resulting in significant losses of a homeowner's largest investment and assets.
The document provides an overview of the Las Vegas office market in the third quarter of 2009. Key points include:
- Overall vacancy rates increased to 20.5% from 20.11% last quarter and 16.7% a year ago. Average asking rental rates declined to $1.95 per square foot from $2.12 last quarter.
- Vacancy rates were highest in the Northwest, Southeast, and Southwest submarkets at 25.7%, 23.8%, and 29% respectively due to newer buildings with little pre-leasing. Downtown and Central East had the lowest vacancies under 15%.
- Landlords are offering increased tenant improvement allowances and free rent to attract tenants, impacting returns
The document provides an overview of the Las Vegas office market in the third quarter of 2009. Key points include:
- Overall vacancy rates increased to 20.5% from 20.11% last quarter and 16.7% a year ago. Average asking rental rates declined to $1.95 per square foot from $2.12 last quarter.
- Vacancy rates were highest in the Northwest, Southeast, and Southwest submarkets at 25.7%, 23.8%, and 29% respectively due to newer buildings with little pre-leasing. Downtown and Central East submarkets had the lowest vacancies under 15%.
- Landlords are offering increased tenant improvement allowances and free rent to attract tenants, impact
Bank of America announces its acquisition of LaSalle Bank. The $21 billion all-cash deal will make Bank of America the leader in the Chicago and Detroit markets, gaining immediate access to 1.3 million retail households and 17,000 commercial clients. The acquisition is expected to be accretive to Bank of America's earnings per share and generate an internal rate of return of 17%. The combined company will have over $1.6 trillion in total managed assets and provide better capabilities and products to customers across both companies.
Mercer Capital's Bank Watch | June 2022 | Bond Pain and Perspective on Bank V...Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
SunTrust at UBS Global Financial Servicesfinance20
This document provides an overview of SunTrust Banks, Inc. from its 2008 UBS Global Financial Services Conference presentation. It discusses SunTrust's diversified business mix across retail banking, commercial banking, wealth management, and mortgage operations. The presentation highlights SunTrust's footprint in high growth Southeastern markets, its solid capital position and balance sheet, and strategic initiatives to optimize performance. It also reviews SunTrust's balanced sources of funding, focus on reducing risk, and steady dividend growth history.
Bank of America is acquiring Countrywide Financial to become the largest mortgage originator and servicer in the US. The acquisition will strengthen Bank of America's position as a premier consumer bank by adding Countrywide's large mortgage capabilities and technology platform. The all-stock deal values Countrywide at $2.9 billion and is expected to close in the third quarter of 2008 pending regulatory and shareholder approvals. The acquisition faces near term challenges from the weak housing market but creates opportunities to improve origination practices and acquire a leading mortgage platform.
Kansas bid process economic dimensions final 10 16-09krgc
The document discusses how the economic recession of 2007-2009 significantly altered the environment for casino gaming and negatively impacted many major gaming companies. This changed environment reduced the number of qualified bidders for the remaining Lottery Gaming Facility licenses in Kansas from three to one in each zone. With only one bidder now, the state is disadvantaged as it loses bargaining power to extract "sweeteners" from competing bids that could enhance the value of the winning proposals. The underlying economic value of the gaming licenses, however, has not changed significantly.
Bank of America is positioned for success with its large national franchise, focus on operating excellence, and strong track record. The document outlines Bank of America's competitive advantages including its large retail footprint, leading positions in wholesale banking, and growing global capabilities. It also discusses the company's diverse business mix, focus on execution and process improvement, consistent earnings growth, and commitment to returning capital to shareholders.
The document provides an overview and strategic update of Best Buy's international operations. It discusses Best Buy's acquisition of Carphone Warehouse and the opportunity to expand in the large European market. Best Buy plans to leverage Carphone Warehouse's retail expertise in wireless sales and apply the learnings from Canada and China to grow its presence in key markets like the UK, Turkey, and Europe over the next 5 years. The strategic focus is on delivering a best-in-class customer experience through differentiated services and solutions.
JPMorgan Chase Acquires the Deposits, Assets and Certain Liabilities of Washi...finance2
JPMorgan Chase acquired the banking operations of Washington Mutual from the FDIC. This expanded JPMorgan's branch network significantly and added over $900 billion in deposits. The acquisition was expected to be immediately accretive to JPMorgan's earnings and add over 50 cents per share in profits in 2009. JPMorgan planned to integrate Washington Mutual's systems and rebrand its branches over the next two years while minimizing branch closures.
This document analyzes commercial real estate transaction and pricing trends in April 2015. Key points:
- Total commercial property sales were $29.5 billion in April, unchanged from the prior year. Apartment sales paused while other sectors grew.
- Cap rates are generally flat year-over-year except industrial, which increased 30 basis points.
- Portfolio and entity-level deals accounted for 28% of April volume, down from 37% in Q1 2015.
- The Moody's/RCA national composite price index was up 16% in Q1 2015 from a year ago, with prices now 8.5% above pre-crisis peaks on average. Price recovery has varied by sector and location
This document summarizes the proposed combination of Bank of America and MBNA. It highlights that the combined company would have the largest credit card portfolio in the US and worldwide, with significant scale, revenue opportunities, and financial strength. The transaction values MBNA at a 29% premium to its market value and 12.5 times its estimated 2006 earnings. The combination is expected to be modestly dilutive to Bank of America's earnings in 2006 but accretive by 2% in 2007, once cost savings of $850 million are fully realized.
The document provides an overview of the Las Vegas office market for the 4th quarter of 2009. Key points include:
- Overall vacancy rates increased to 20.79% in the 4th quarter, up from 20.5% in the 3rd quarter and higher than the 16.7% rate from a year ago.
- Average rental rates declined to $2.10 per square foot from $2.12 last quarter, and were lower than rates from a year ago.
- Net absorption was negative at -80,478 square feet absorbed for the quarter. The economic outlook remains uncertain due to tight credit and high unemployment.
- By property class, top tier buildings
This document is BB&T Corporation's 2005 annual report. It provides financial highlights for 2005, noting that net income increased 6.1% to $1.654 billion and diluted earnings per share grew 7.1% to $3.00. Operating earnings rose 7.2% to $1.674 billion. Cash basis operating earnings, which exclude intangible assets and purchase accounting adjustments, increased 7.1% to $1.763 billion. The report discusses BB&T's strong loan, deposit and balance sheet growth in 2005 and notes the bank hired additional revenue producers and implemented strategies to boost organic account growth.
BB&T reported 2008 net income of $1.5 billion and earnings per common share of $2.71. For the fourth quarter of 2008, net income totaled $305 million and net income available to common shareholders totaled $284 million, or $.51 per diluted common share. For the full year 2008, BB&T's net income available to common shareholders was $1.50 billion compared to $1.73 billion earned in 2007, a decrease of 13.6%.
- BB&T Corporation reported lower operating earnings for the fourth quarter of 2008 compared to the same period in 2007. Operating earnings available to common shareholders decreased 41.4% to $243 million.
- Net interest income increased 14.2% to $1,132 million due to higher interest income, but this was more than offset by a large increase in the provision for credit losses of $344 million.
- Returns and profitability ratios declined from the prior year, with the return on average common equity decreasing to 7.26% and the efficiency ratio worsening to 51.9%.
This document is a proxy statement from Carolina Power & Light Company (CP&L) informing shareholders about the upcoming annual shareholder meeting on May 14, 2008. The meeting will address the election of two Class I directors and the ratification of Deloitte & Touche LLP as the company's independent registered public accounting firm. Shareholders are encouraged to vote by proxy card or telephone in order to have their votes counted if they do not attend the meeting in person.
This document is a proxy statement from Progress Energy, Inc. inviting shareholders to attend the company's 2008 Annual Meeting of Shareholders on May 14, 2008. The matters to be voted on include the election of directors, ratification of the selection of the independent registered public accounting firm, and a shareholder proposal regarding executive compensation. Shareholders are urged to vote by proxy card, telephone, or online in order to have their votes counted if they do not attend the meeting in person.
The document summarizes Bill Johnson's presentation at the Morgan Stanley Global Electricity & Energy Conference on April 3, 2008. The presentation outlines Progress Energy's strategy to secure its energy future through operational excellence, growth prospects like rate base expansion, and maintaining constructive regulation. It highlights Progress Energy's two regulated utilities with strong growth prospects and discusses key strategic issues like US climate change policy and needed new baseload capacity like the proposed Levy County nuclear project.
Bill Johnson, Chairman, CEO, and President of Progress Energy, presented at the company's annual shareholder meeting. He discussed Progress Energy's history of over 100 years in business, highlights from 2007 including financial and operational achievements as well as sustainability recognition, strategic focus on its two electric utility subsidiaries serving North Carolina and Florida. Johnson also outlined Progress Energy's balanced strategy to address issues like climate change, demand growth, and costs while maintaining reliability and affordability. He discussed governance practices and executive compensation policies.
Progress Energy reported first quarter 2008 results. Earnings were lower than expected due to milder than normal weather and lower customer growth and usage, particularly in Florida. The company reaffirmed its 2008 earnings guidance. Several regulatory filings and projects remained on track. Key nuclear, natural gas, and transmission projects were progressing to increase capacity and meet renewable energy goals. While economic conditions had softened retail demand, cost management and additional wholesale contracts were expected to offset impacts.
The document summarizes Progress Energy's Q2 2008 earnings call. It discusses the company reaffirming its 2008 ongoing earnings guidance of $3.05 per share despite challenges in Florida. It also provides updates on recent court rulings impacting emissions regulations, the Levy County nuclear project, and major capital expenditure projects. Progress Energy's CFO discusses the company's quarterly and year-to-date financial performance and steps taken to offset weakness in Florida retail markets through increased wholesale contracts.
Bill Johnson, CEO of Progress Energy, outlined the company's strategy to secure its energy future at a Lehman Brothers energy conference. Progress Energy operates as two high-performing electric utilities serving North Carolina and Florida. The company is focused on achieving annual EPS growth of 4-5% through rate base expansion and pursuing a balanced solution to meet energy needs and address climate change, while maintaining excellent operational and financial performance. A key part of this strategy is the proposed Levy Nuclear Project, a two-unit nuclear plant in Florida that would help reduce costs and carbon emissions.
This document summarizes a presentation given by Mark Mulhern, Senior Vice President and CFO of Progress Energy, at a Power & Gas Leaders Conference on September 24, 2008. The presentation discusses Progress Energy's strategy of securing its energy future through significant rate base growth, nuclear expansion projects, and maintaining a supportive regulatory environment. It provides an overview of Progress Energy's utilities in North Carolina and Florida, outlines major capital investment projects, and reviews the company's financial position and objectives to achieve steady earnings growth.
The document summarizes Progress Energy's Q3 2008 earnings call. It discusses ongoing earnings of $306M for Q3 2008, regulatory updates in the Carolinas and Florida, energy efficiency and alternative energy programs, and $7-8B in capital expenditures through 2013 for major generation projects. Cost controls have kept year-to-date O&M expenses flat compared to 2007 despite 2.5% reported growth. Customer growth has been positive but milder weather reduced retail usage. Guidance of $2.95-3.05 for 2008 ongoing earnings is maintained based on a trailing 12-month EPS of $2.91. Liquidity remains strong with $1.9B in available credit facilities and cash.
Progress Energy held a financial conference in Phoenix, Arizona on November 10-11, 2008. The conference focused on providing an overview of the company including its growth strategy and regulatory updates. Progress Energy is the largest regulated electric utility in the US with significant projected rate base growth through 2010 driven by investments in its regulated operations in North Carolina and Florida. Regulatory proceedings in both states approved various cost recovery filings which will support continued investment and earnings growth.
This document is a presentation by Bill Johnson, Chairman and CEO of Progress Energy, given at the EEI Financial Conference in Phoenix, AZ on November 11, 2008. The presentation provides an overview of Progress Energy, including its strategic focus on achieving long-term annual EPS growth of 4-5%, pursuing a balanced solution to secure the energy future, and sustaining financial strength during nuclear construction. It also discusses Progress Energy's regulated utilities, major capital projects, regulatory updates, and long-term financial objectives.
The document is a transcript from Progress Energy's 4Q 2008 earnings call. It discusses Progress Energy's financial results for 4Q and full year 2008, highlights achievements that position the company well for 2009, and reviews major capital projects and regulatory initiatives. Progress Energy affirmed its 2009 ongoing earnings guidance of $2.95 to $3.15 per share. The call also provided updates on Florida rate filings and the Levy Nuclear Project.
- Progress Energy reported financial results for the second quarter and first half of 2001. Total operating revenues increased $1.4 billion for the first half compared to the same period in 2000 due to the acquisition of Florida Power Corporation.
- Net income increased $73 million to $266 million for the first half, with earnings per share rising from $1.26 to $1.33. Earnings were positively impacted by the addition of Florida Power Corporation but faced higher interest charges and goodwill amortization from the acquisition.
- Operating revenues and energy sales increased across electric, natural gas, and diversified business segments. However, net income faced pressures from weather-related declines in electricity usage, higher operation and maintenance
This document provides unaudited consolidated interim financial information for Progress Energy, Inc. for the third quarter and first nine months of 2001 compared to the same periods in 2000. Some key highlights include:
- Revenues increased significantly from acquisitions completed in late 2000, including the addition of Florida Power Corporation.
- Operating income increased driven by customer growth, favorable weather, and acquisitions, partially offset by higher fuel and purchased power costs.
- Net income increased due to the addition of Florida Power Corporation and other acquisitions, partially offset by higher interest charges and goodwill amortization.
- Earnings per share increased to $1.77 and $3.12 for the quarter
Progress Energy reported earnings of $2.65 per share for 2001, meeting expectations. Earnings were positively impacted by its non-regulated businesses which offset the effects of mild weather and an industrial slowdown. It also received tax rulings for four synthetic fuel plants and reaffirmed its 2002 guidance of $3.90 to $4.10 per share.
progress energy 1Q 02 earnings releaseFinal_allfinance25
Progress Energy reported first quarter earnings per share of $0.62, and $0.77 excluding one-time items. A rate settlement in Florida contributed $0.10 per share in retroactive revenue. Progress Energy reaffirmed its 2002 EPS guidance of $3.90 to $4.10. Several factors including mild weather, economic conditions, and debt issuance impacted the year-over-year EPS difference of $0.11.
progress energy 2Q 02earnings release Finalfinance25
Progress Energy reported second quarter 2002 earnings per share of $0.56, or $0.83 excluding non-operating items. This was in line with guidance. Key highlights included reaching long-term rate agreements in Florida and North Carolina that stabilize rates through 2005 and 2007 respectively. For 2002, the company expects ongoing earnings between $3.90-$4.00 per share, within previous guidance despite industrial slowdowns impacting some regions.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
2. FORWARD LOOKING STATEMENT
The information contained in this presentation may include forward looking statements which reflect Regions' current views with respect to future events and financial performance.
The Private Securities Litigation Reform Act of 1995 (quot;the Actquot;) provides a safe-harbor for forward-looking statements which are identified as such and are accompanied by the
identification of important factors that could cause actual results to differ materially from the forward-looking statements. For these statements, we, together with our subsidiaries,
unless the context implies otherwise, claim the protection afforded by the safe harbor in the Act. Forward-looking statements are not based on historical information, but rather are
related to future operations, strategies, financial results, or other developments. Forward-looking statements are based on management's expectations as well as certain
assumptions and estimates made by, and information available to, management at the time the statements are made. Those statements are based on general assumptions and
are subject to various risks, uncertainties, and other factors that may cause actual results to differ materially from the views, beliefs, and projections expressed in such statements.
These risks, uncertainties and other factors include, but are not limited to, those described below:
● Regions' ability to achieve the earnings expectations related to businesses that have been acquired, or that may be acquired in the future, including its merger with AmSouth
Bancorporation (quot;AmSouthquot;), which in turn depends on a variety of factors, including:
○ Regions' ability to achieve the anticipated cost savings and revenue enhancements with respect to the acquired operations, or lower than expected revenues from
continuing operations;
○ the assimilation of the acquired operations to Regions' corporate culture, including the ability to instill appropriate credit practices and efficient approaches to the acquired
operations;
○ the continued growth of the markets that the acquired entities serve, consistent with recent historical experience;
○ difficulties related to the integration of the businesses, including integration of information systems and retention of key personnel.
● Regions' ability to expand into new markets and to maintain profit margins in the face of competitive pressures.
● Regions' ability to keep pace with technological changes.
● Regions' ability to develop competitive new products and services in a timely manner and the acceptance of such products and services by Regions' customers and potential
customers.
● Regions' ability to effectively manage interest rate risk, market risk, credit risk and operational risk.
● Regions' ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support Regions'
business.
● The cost and other effects of material contingencies, including litigation contingencies.
● Further easing of restrictions on participants in the financial services industry, such as banks, securities brokers and dealers, investment companies and finance companies,
may increase competitive pressures.
● Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus reducing margins.
● Possible changes in general economic and business conditions in the United States in general and in the communities Regions serves in particular may lead to a
deterioration in credit quality, thereby increasing provisioning costs, or a reduced demand for credit, thereby reducing earning assets.
● The occurrence of natural disasters or the threat or occurrence of war or acts of terrorism and the existence or exacerbation of general geopolitical instability and uncertainty.
● Possible changes in trade, monetary and fiscal policies, laws, and regulations, and other activities of governments, agencies, and similar organizations, including changes in
accounting standards, may have an adverse effect on business.
● Possible changes in consumer and business spending and saving habits could affect Regions' ability to increase assets and to attract deposits.
The words quot;believe,quot; quot;expect,quot; quot;anticipate,quot; quot;project,quot; and similar expressions signify forward looking statements. Readers are cautioned not to place undue reliance on any forward
looking statements made by or on behalf of Regions. Any such statement speaks only as of the date the statement was made. Regions undertakes no obligation to update or
revise any forward looking statements.
4. A Top Ten U.S. Bank Holding Company
National Rank1
› Market Capitalization $26 billion 10th
› Assets $138 billion 10th
› Loans, net of unearned income $94 billion 9th
› Deposits $95 billion 8th
› Branches 1,913 7th
› ATMs 2,590 8th
1 As of March 31, 2007.
5. Franchise Footprint
State Dep. ($B) Mkt. Share Rank
AL $20.8 30% #1
FL 18.4 5 #4
TN 17.6 17 #2
LA 7.8 11 #3
MS 6.5 16 #1
GA 5.5 3 #6
AR 4.4 10 #1
TX 2.9 1 #19
MO 2.3 2 #7
IN 1.9 2 #10
Other 4.3 — —
Regions
Morgan Keegan
Insurance
Source: SNL DataSource. Deposit data as of 30-Jun-2006.
6. Significant Presence in Key MSAs
Birmingham
Nashville
Miami
Tampa
Memphis
Mobile
New Orleans
Saint Louis
Atlanta
Montgomery
- 1.0 2.0 3.0 4.0 5.0 6.0 7.0
Deposits in billions
Source: SNL DataSource. Deposit data as of 30-Jun-2006; all data shown on pro forma combined basis
7. Strong Local Market Share
Weighted
Top U.S. Average
Market Share1
Banks
Wells Fargo 23.8%
BB&T 21.3
Regions / AmSouth 20.4
Wachovia 20.3
Regions compares
JPMorgan Chase 19.2
favorably in terms of
Bank of America 18.8
local market share
Fifth Third 18.7 relative to other top 10
banking franchises
US Bancorp 17.8
Regions 15.7
AmSouth 15.4
National City 15.1
SunTrust 14.9
Citigroup 10.9
1 Deposit weighted by county. Excludes deposits from branches with > $10bn of deposits. Based on June 30, 2006 data.
9. Key Integration Accomplishments
› Announced Organizational Decisions
› Identified Major Systems and Started Conversions
› Completed Divestitures
› Began Executing Branch Consolidation Plans
10. Organizational Structure
Lines of
Geographies
Business
Alabama Business Banking
East Commercial Banking
Matrix Business
Model
Florida Consumer Banking
Midwest Private Banking
Mississippi Mortgage
Tennessee Morgan Keegan
West Trust & Asset Mgmt
11. Conversion Timeline
✓ Combined • Achieve $400
Product Set MM Annual
& Incentives Run-rate in
✓ Complete Sale Cost Saves
of Divested
Branches
1Q07 2Q07 3Q07 4Q07 1Q08 2Q08
✓ Brokerage • Phase One • Phase Two • Phase Three • Phase Four
Conversion Branch Branch Branch Branch
✓ Mortgage Conversion Conversion Conversion Conversion
Origination &
• Trust
Servicing
Conversion Conversion
12. Required Branch Divestitures
All divestitures completed in 1Q07.
Total Total
Deposits Loans
State # of
($B) ($B)
Branches
✓ Mississippi 6 .3 .1
✓ Tennessee 7 .4 .1
✓ Alabama 39 $2.0 $1.5
Total 52 $2.7 $1.7
Expected impact to pre-tax income: $23MM per quarter.
19. Consumer Services
Established Targets for 2007
› Consumer checking household growth of 2%
› Retain a minimum of 85% of the consumer
checking households
› New customer cross-sell ratio of 4.5 services
per household
› Grow private banking households by 20%
› Cross-sell 90% of new mortgage customers a deposit or
loan product
20. Regions’ Branching – A Proven Strategy
2007 De Novo Branches Typical Results – Year 5
Florida 33 Deposits $42 million
Alabama 3
Loans $31 million
Tennessee 5
$1 million cumulative
Other 9
net contributions
16.4% IRR
Total 50
21. Business Services
Commercial Business
Commercial
and Industrial/ Banking
Real Estate
Middle Market
Community Corporate Treasury
Banking Banking Management
22. Summary of Key Initiatives
› Leverage New Capabilities and Credit Limits
› Drive Improvements in Sales Process
› Fully Develop Morgan Keegan Partnership
› Cross-sell
23. Tools for Driving the Business
› Monitoring System – Pipeline, Closed Business and Call
Activity
› Relationship Pricing Model/Exception Reporting
› Scorecards
› Enhanced Client Services Capability
› Broadened Marketing Capabilities
› Client Profitability
24. Morgan Keegan
Impact of Leveraging Across a Broader Franchise
1Q06 1Q07
› Offices 301 453
› Financial Advisors 1,070 1,240
› Customer Assets $ 61 B $ 78 B
› Trust Assets $ 37 B $ 79 B
› Total Revenues1 $ 239 M $ 302 M
› 22,900 25,000
New Accounts
1 1Q06 revenues exclude a $13.1 pre-tax gain on sale related to the swap of NYSE seats for stock.
27. Net Cost Saves: On-track
Net Cost Savings
4Q06 $7 MM
Estimated
2007E $150 MM
Estimated
2008E Full run-rate achieved by 2Q 2008 $400 MM
$0 $100 $200 $300 $400
28. Branch Consolidations
Florida 35 Targeted closure
Event 1
Alabama 31 dates to coincide with
system conversions
Tennessee 55
Louisiana 17 Event 2
Significant source of
Mississippi 12
efficiency gain
Georgia 2
Event 3
Arkansas 2
Missouri 2 Event 4
Total 156
29. Capital Management – A Strategic Opportunity
› During 2Q07:
• Lowered overall cost of capital by issuing $700MM 6.625%
Enhanced Trust Preferred Securities
• Executed accelerated 14.2MM share repurchase
› Capital ratios remain strong
Projected
1Q07 2Q07
Tier 1 Capital 7.96% 7.90%
Total Risk Based 11.22 11.40
Tangible Common 6.52 6.20
31. Our Brand Promise to Customers
“You can expect more from
Regions. Yes, we are in
the business of banking.
But we are also in the
business of life.
And while our financial
solutions will help you get
more from your money, it is
our mission to help you get
more out of life.”