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cridet suisse Presentation slides
In the first quarter of 2008, Credit Suisse reported a net loss. While most business divisions performed well, losses from valuation reductions in leveraged finance and structured products totaled CHF 5.3 billion. The bank maintained a strong capital and liquidity position with a Tier 1 capital ratio of 9.8%. Looking ahead, Credit Suisse is well positioned to create long-term value by seizing opportunities arising from market dislocation.
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Ben van Beurden, Chief Executive Officer of Royal Dutch Shell plc hosted a live analyst video webcast of the Capital Markets Day on Tuesday June 7, 2016, providing an update on the company’s strategy, that sets a clear course for stronger returns and free cash flow.
Eastman 4Q and Full Year 2008 Earnings
Eastman Chemical Company reported a loss of $0.03 per diluted share for fourth quarter 2008, compared to earnings of $1.25 per diluted share for fourth quarter 2007. Sales revenue for fourth quarter 2008 declined 23% to $1.3 billion due to an unprecedented drop in demand from the global recession. Operating earnings were $5 million for fourth quarter 2008 compared to $144 million in the previous year, with the decline primarily from lower sales and higher costs due to low production levels. The company has taken strategic actions and cost reductions to weather the current economic challenges.
Gentex investor presentation
The document provides an investor presentation for Gentex Corporation from January 2009. It summarizes Gentex's business, including that they produce automatic-dimming mirrors for vehicles, have strong growth and margins, invest heavily in R&D, and serve customers globally. Key highlights are their industry-leading market share, focus on innovation, and execution to maintain a technology gap over competitors.
L.B. Foster Reports Fourth Quarter Operating Results
L.B. Foster reported a 26.1% increase in net sales for the fourth quarter compared to the prior year. Gross profit margin decreased 360 basis points due to increased LIFO expense and decreased billing margins, partially offset by improved manufacturing variances. Income from continuing operations was $5.7 million or $0.55 per diluted share for the quarter. For the full year, net sales increased 0.7% while gross profit margin increased 60 basis points, and income from continuing operations was $27.7 million or $2.57 per diluted share. The company expects a difficult business environment in 2009 but will focus on cost controls and cash flow to minimize profit erosion.
Data Domain, Inc. Reports Fourth Quarter Financial Results
1) Data Domain reported financial results for the fourth quarter of 2008 with revenue increasing 14% over Q3 2008 and 90% over Q4 2007. Revenue for 2008 increased 122% over 2007.
2) Net income for Q4 2008 was $13.9 million positively impacted by a $13.2 million tax benefit, without this benefit net income would have been $749,000.
3) For Q1 2009, Data Domain estimates revenue between $79-84 million and GAAP net income per share between $(0.01)-$0.01 and non-GAAP between $0.04-$0.07.
First Banks Announces 4Q 2008 Results
First Banks reported a net loss of $202.3 million for Q4 2008 and $272.0 million for the full year 2008, due primarily to a $139.0 million provision for loan losses in Q4 and $368.0 million for the full year. The results were also impacted by a $131.4 million deferred tax asset valuation allowance. Despite the losses, First Banks raised a total of $420.4 million in new capital in 2008 and remains well capitalized with strong liquidity. First Banks looks forward to continuing lending activities to support future profitability once economic conditions stabilize.
Questar 3Q-2008 EARNINGS
This transcript summarizes Questar Corporation's third quarter 2008 earnings conference call. Key points include:
1) Questar reported strong third quarter 2008 results with net income of $204.2 million, up 80% from the prior year, driven by gains from asset sales and growth across all business units.
2) For 2008, Questar expects net income in the range of $3.70 to $3.80 per share.
3) For 2009, Questar plans to reduce capital expenditures to $1.6 billion, in line with expected cash flow. Questar expects 2009 EPS to range from $3.05 to $3.25 per share and production to grow 10-15% despite
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cridet suisse Presentation slides
In the first quarter of 2008, Credit Suisse reported a net loss. While most business divisions performed well, losses from valuation reductions in leveraged finance and structured products totaled CHF 5.3 billion. The bank maintained a strong capital and liquidity position with a Tier 1 capital ratio of 9.8%. Looking ahead, Credit Suisse is well positioned to create long-term value by seizing opportunities arising from market dislocation.
Royal Dutch Shell plc capital markets day 2016
Ben van Beurden, Chief Executive Officer of Royal Dutch Shell plc hosted a live analyst video webcast of the Capital Markets Day on Tuesday June 7, 2016, providing an update on the company’s strategy, that sets a clear course for stronger returns and free cash flow.
Eastman 4Q and Full Year 2008 Earnings
Eastman Chemical Company reported a loss of $0.03 per diluted share for fourth quarter 2008, compared to earnings of $1.25 per diluted share for fourth quarter 2007. Sales revenue for fourth quarter 2008 declined 23% to $1.3 billion due to an unprecedented drop in demand from the global recession. Operating earnings were $5 million for fourth quarter 2008 compared to $144 million in the previous year, with the decline primarily from lower sales and higher costs due to low production levels. The company has taken strategic actions and cost reductions to weather the current economic challenges.
Gentex investor presentation
The document provides an investor presentation for Gentex Corporation from January 2009. It summarizes Gentex's business, including that they produce automatic-dimming mirrors for vehicles, have strong growth and margins, invest heavily in R&D, and serve customers globally. Key highlights are their industry-leading market share, focus on innovation, and execution to maintain a technology gap over competitors.
L.B. Foster Reports Fourth Quarter Operating Results
L.B. Foster reported a 26.1% increase in net sales for the fourth quarter compared to the prior year. Gross profit margin decreased 360 basis points due to increased LIFO expense and decreased billing margins, partially offset by improved manufacturing variances. Income from continuing operations was $5.7 million or $0.55 per diluted share for the quarter. For the full year, net sales increased 0.7% while gross profit margin increased 60 basis points, and income from continuing operations was $27.7 million or $2.57 per diluted share. The company expects a difficult business environment in 2009 but will focus on cost controls and cash flow to minimize profit erosion.
Data Domain, Inc. Reports Fourth Quarter Financial Results
1) Data Domain reported financial results for the fourth quarter of 2008 with revenue increasing 14% over Q3 2008 and 90% over Q4 2007. Revenue for 2008 increased 122% over 2007.
2) Net income for Q4 2008 was $13.9 million positively impacted by a $13.2 million tax benefit, without this benefit net income would have been $749,000.
3) For Q1 2009, Data Domain estimates revenue between $79-84 million and GAAP net income per share between $(0.01)-$0.01 and non-GAAP between $0.04-$0.07.
First Banks Announces 4Q 2008 Results
First Banks reported a net loss of $202.3 million for Q4 2008 and $272.0 million for the full year 2008, due primarily to a $139.0 million provision for loan losses in Q4 and $368.0 million for the full year. The results were also impacted by a $131.4 million deferred tax asset valuation allowance. Despite the losses, First Banks raised a total of $420.4 million in new capital in 2008 and remains well capitalized with strong liquidity. First Banks looks forward to continuing lending activities to support future profitability once economic conditions stabilize.
Questar 3Q-2008 EARNINGS
This transcript summarizes Questar Corporation's third quarter 2008 earnings conference call. Key points include:
1) Questar reported strong third quarter 2008 results with net income of $204.2 million, up 80% from the prior year, driven by gains from asset sales and growth across all business units.
2) For 2008, Questar expects net income in the range of $3.70 to $3.80 per share.
3) For 2009, Questar plans to reduce capital expenditures to $1.6 billion, in line with expected cash flow. Questar expects 2009 EPS to range from $3.05 to $3.25 per share and production to grow 10-15% despite
Mitsubishi electric 3Q financial results of Fiscal 2009
Mitsubishi Electric announced consolidated financial results for the first 9 months and third quarter of fiscal year 2009. Net sales decreased 3% for the first 9 months and 11% for the third quarter compared to the previous year. Operating income decreased 13% and 45% respectively due to decreased sales across several business segments. Mitsubishi Electric also revised downward their full year earnings forecast, expecting net sales to decrease 11% and net income to decrease 94% from the previous year due to continued weak economic conditions.
Maxim 2Q FISCAL 2009 RESULTS
Maxim Integrated Products reported financial results for its second quarter of fiscal year 2009. Revenue declined 18% from the previous quarter to $410.7 million. The company reported a GAAP loss per share of $0.12, which included $125.9 million in special expenses. Cash flow from operations was $71.5 million. For the third quarter of fiscal year 2009, the company expects revenue in the range of $290-330 million and GAAP loss per share including special expenses and stock-based compensation.
Conexant Q1 2009 financial results
Conexant reported its financial results for the first quarter of fiscal year 2009. Revenue was $86.5 million, core gross margin was 54.1% of revenue, and core operating income was $3.3 million. On a GAAP basis, operating loss was $0.4 million and net loss was $10.5 million. Conexant also completed expense reductions, eliminating around 140 positions, expected to save $4 million per quarter. For the second quarter, Conexant expects revenue between $68-74 million, core gross margin of 52-53%, and a core operating loss of $3-7 million.
Flagstar Bancorp Q42008 earnings report
The document provides financial results for Flagstar Bancorp for Q4 2008, including a net loss of $200.3 million compared to a net loss of $62.1 million in Q3 2008. It also discusses factors impacting results such as a $176.3 million provision for loan losses. Additionally, the document reviews historical trends in loan production, underwriting, locks, and closings which have declined significantly from 2007 levels.
Capital Product Partners Fourth Quarter 2008 Earnings
Capital Product Partners L.P. reported strong fourth quarter 2008 results with net income of $14.3 million and operating surplus of $17.4 million. They announced a non-recurring exceptional cash distribution of $1.05 per unit, returning profit sharing revenues earned in 2008. Despite a weak shipping market outlook, the company has long-term contracts with reputable counterparties and adequate financial reserves to weather uncertain market conditions.
Gannett 4Q 2008 earnings release
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Exxon mobil 4Q 2008 earnings release
ExxonMobil announced estimated record earnings for 2008. Net income for the fourth quarter of 2008 was $7.82 billion, a decrease of 33% from the same period in 2007, partly due to damage from hurricanes. For the full year, net income was $45.22 billion, an 11% increase over 2007 and also a record. Earnings per share excluding special items increased 16% for the full year due to share repurchases. Capital and exploration expenditures increased 25% in 2008 to $26.1 billion to support long-term investments.
Chevron Q4 2008 earnings release
This document summarizes Chevron's fourth quarter 2008 earnings conference call. It discusses Chevron's Q4 2008 earnings of $4.9 billion and earnings per share of $2.44. It also provides details on Chevron's 2008 return on capital employed, debt ratio, and share repurchases. The document reviews Chevron's Q4 2008 earnings performance across its upstream, downstream, and other segments and discusses its 2009 capital and exploratory budget and production outlook.
Horizon Lines Fourth Quarter 2008 Earnings Release
The document provides an agenda and materials for a Horizon Lines earnings call and outlook for 2009. It includes introductions from executives, a review of 4th quarter 2008 earnings results, a restructuring charge, and outlook presentations on the economy, liner business, logistics business, and financials. Key highlights are adjusted EBITDA of $24.7 million for Q4 2008, a workforce reduction saving an estimated $10.4 million in 2009, and an expectation that the economic recession will continue through 2009.
Sony Q3 2008 financial results
The document summarizes Sony's financial results for the third quarter of fiscal year 2008, which ended on December 31, 2008. Key points include:
- Consolidated sales and operating revenue decreased 24.6% to 2,154.6 billion yen. Operating income turned to a loss of 18 billion yen compared to a profit of 46.9 billion yen in the prior year.
- The Electronics segment recorded an operating loss of 15.9 billion yen on sales of 1,462.1 billion yen, down 29.3% from the prior year.
- The Game segment reported sales of 393.8 billion yen, down 32.2% from the prior year.
Peugeot Q3 2008 financial results
The document provides a summary of PSA Peugeot Citroen's sales and financial results for Q3 and the first 9 months of 2008. Key points include:
- Automotive sales declined 7.1% in Q3 due to an 8.6% drop in volumes, with a particularly sharp 12.8% decline in Western Europe.
- The company maintained a strong balance sheet with €4-6 billion in excess cash and no immediate bond maturities.
- Banque PSA Finance continued stable sales and successfully passed through increased financing costs.
- Full year 2008 group recurring operating margin is expected to be around 1.3%.
Peugeot Financial Results for the 1st half of 2008
- PSA Peugeot Citroën presented interim results for the first half of 2008, highlighting key achievements and priorities.
- Their CAP 2010 competitiveness plan drove a 58% increase in automotive recurring operating income compared to the first half of 2007.
- International expansion in priority regions like Mercosur and Eastern Europe contributed to a 15% volume growth.
- Successful new model launches and environmental leadership helped increase new car sales.
Tesco Q3 fianancial results
Tesco saw continued strong sales growth in the third quarter of 2008, with overall group sales up 11.7%. International sales grew 14.6% at constant exchange rates, led by Asia. In the UK, sales rose 5.9% with like-for-like sales up 3.2% excluding petrol. The launch of new "Discounter" products represented over 5% of UK food and grocery sales already. Tesco has sufficient financing for planned growth and expects to be cash positive in the second half of the year.
Hitachi Q 2 2008 results
Hitachi announced its financial results for the second quarter of fiscal year 2008, ended September 30, 2008. Consolidated revenues remained flat at 2.76 trillion yen, while operating income rose 23% to 119.3 billion yen. However, net loss was 17.3 billion yen, an improvement of 17.9 billion yen from the previous year. For the first half of fiscal year 2008, revenues were essentially flat at 5.31 trillion yen while operating income rose 62% to 197 billion yen and net income improved to 14.1 billion yen.
Ing 3 Q 2008 Earnings Presentation
This document provides an overview and summary of ING Group's third quarter 2008 results presentation. Some key points:
- ING reported its first ever quarterly loss due to impacts from market turmoil, though commercial performance remained resilient.
- ING took actions to reinforce its capital base in line with increased international capital standards following government interventions in other banks.
- While earnings were affected by volatility, underlying commercial results were stable with EUR 38 billion in net client balance growth. Expenses remained under control despite challenges in the operating environment.
Proctor & Gamble 2008 AnnualReport
P&G defines innovation broadly in terms of what it is, where it comes from, and who is responsible for it. P&G invests in innovation at industry-leading levels and manages innovation with discipline. P&G delivers innovation that builds consumer trust and loyalty over time through its global brands and outstanding innovation leaders. P&G's broad definition and consistent approach to innovation across its business has enabled it to sustain growth through innovative new products and drive reliable, long-term value for shareholders.
Nestle 2008 Q3 earnings results
Roddy Child-Villiers, Head of Investor Relations, presented Nestle's 2008 9-month sales results. Key highlights included organic growth of 8.9% for the group and food & beverage division, comfortably above the long-term target. Emerging markets achieved 16.8% organic growth. The financial position remained strong with a high credit rating and predictable cash flows. The outlook for full-year organic growth was improved to around 8%.
Novartis Q4 2008 earnings report
Novartis increased its dividend by 25% based on strong 2008 financial results. Net sales rose 9% to $41.5 billion due to growth in pharmaceuticals, vaccines and diagnostics, and consumer health. Operating income increased 32% to $9 billion. Net income grew 25% to $8.2 billion. The board proposed a dividend of CHF 2.00 per share, up from CHF 1.60 in 2007. Novartis expects another year of record results in 2009.
Lakeland Financial Corporation Quaterly Financial Analysis
Lakeland Financial Corporation's financial highlights for Q4 2008 show:
1) Total assets increased 19.5% year-over-year to $2.37 billion, while loans held for investment grew 20.3% to $1.83 billion.
2) Net income decreased 8.1% year-over-year to $4.43 million as provision for loan losses more than doubled and noninterest expenses rose 10.4%.
3) Asset quality deteriorated with nonperforming assets rising to 0.94% of total assets compared to 0.5% in Q4 2007, while capital ratios such as Tier 1 declined 127 basis points to 9.27%.
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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.Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
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Mitsubishi electric 3Q financial results of Fiscal 2009
Mitsubishi Electric announced consolidated financial results for the first 9 months and third quarter of fiscal year 2009. Net sales decreased 3% for the first 9 months and 11% for the third quarter compared to the previous year. Operating income decreased 13% and 45% respectively due to decreased sales across several business segments. Mitsubishi Electric also revised downward their full year earnings forecast, expecting net sales to decrease 11% and net income to decrease 94% from the previous year due to continued weak economic conditions.
Maxim 2Q FISCAL 2009 RESULTS
Maxim Integrated Products reported financial results for its second quarter of fiscal year 2009. Revenue declined 18% from the previous quarter to $410.7 million. The company reported a GAAP loss per share of $0.12, which included $125.9 million in special expenses. Cash flow from operations was $71.5 million. For the third quarter of fiscal year 2009, the company expects revenue in the range of $290-330 million and GAAP loss per share including special expenses and stock-based compensation.
Conexant Q1 2009 financial results
Conexant reported its financial results for the first quarter of fiscal year 2009. Revenue was $86.5 million, core gross margin was 54.1% of revenue, and core operating income was $3.3 million. On a GAAP basis, operating loss was $0.4 million and net loss was $10.5 million. Conexant also completed expense reductions, eliminating around 140 positions, expected to save $4 million per quarter. For the second quarter, Conexant expects revenue between $68-74 million, core gross margin of 52-53%, and a core operating loss of $3-7 million.
Flagstar Bancorp Q42008 earnings report
The document provides financial results for Flagstar Bancorp for Q4 2008, including a net loss of $200.3 million compared to a net loss of $62.1 million in Q3 2008. It also discusses factors impacting results such as a $176.3 million provision for loan losses. Additionally, the document reviews historical trends in loan production, underwriting, locks, and closings which have declined significantly from 2007 levels.
Capital Product Partners Fourth Quarter 2008 Earnings
Capital Product Partners L.P. reported strong fourth quarter 2008 results with net income of $14.3 million and operating surplus of $17.4 million. They announced a non-recurring exceptional cash distribution of $1.05 per unit, returning profit sharing revenues earned in 2008. Despite a weak shipping market outlook, the company has long-term contracts with reputable counterparties and adequate financial reserves to weather uncertain market conditions.
Gannett 4Q 2008 earnings release
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Exxon mobil 4Q 2008 earnings release
ExxonMobil announced estimated record earnings for 2008. Net income for the fourth quarter of 2008 was $7.82 billion, a decrease of 33% from the same period in 2007, partly due to damage from hurricanes. For the full year, net income was $45.22 billion, an 11% increase over 2007 and also a record. Earnings per share excluding special items increased 16% for the full year due to share repurchases. Capital and exploration expenditures increased 25% in 2008 to $26.1 billion to support long-term investments.
Chevron Q4 2008 earnings release
This document summarizes Chevron's fourth quarter 2008 earnings conference call. It discusses Chevron's Q4 2008 earnings of $4.9 billion and earnings per share of $2.44. It also provides details on Chevron's 2008 return on capital employed, debt ratio, and share repurchases. The document reviews Chevron's Q4 2008 earnings performance across its upstream, downstream, and other segments and discusses its 2009 capital and exploratory budget and production outlook.
Horizon Lines Fourth Quarter 2008 Earnings Release
The document provides an agenda and materials for a Horizon Lines earnings call and outlook for 2009. It includes introductions from executives, a review of 4th quarter 2008 earnings results, a restructuring charge, and outlook presentations on the economy, liner business, logistics business, and financials. Key highlights are adjusted EBITDA of $24.7 million for Q4 2008, a workforce reduction saving an estimated $10.4 million in 2009, and an expectation that the economic recession will continue through 2009.
Sony Q3 2008 financial results
The document summarizes Sony's financial results for the third quarter of fiscal year 2008, which ended on December 31, 2008. Key points include:
- Consolidated sales and operating revenue decreased 24.6% to 2,154.6 billion yen. Operating income turned to a loss of 18 billion yen compared to a profit of 46.9 billion yen in the prior year.
- The Electronics segment recorded an operating loss of 15.9 billion yen on sales of 1,462.1 billion yen, down 29.3% from the prior year.
- The Game segment reported sales of 393.8 billion yen, down 32.2% from the prior year.
Peugeot Q3 2008 financial results
The document provides a summary of PSA Peugeot Citroen's sales and financial results for Q3 and the first 9 months of 2008. Key points include:
- Automotive sales declined 7.1% in Q3 due to an 8.6% drop in volumes, with a particularly sharp 12.8% decline in Western Europe.
- The company maintained a strong balance sheet with €4-6 billion in excess cash and no immediate bond maturities.
- Banque PSA Finance continued stable sales and successfully passed through increased financing costs.
- Full year 2008 group recurring operating margin is expected to be around 1.3%.
Peugeot Financial Results for the 1st half of 2008
- PSA Peugeot Citroën presented interim results for the first half of 2008, highlighting key achievements and priorities.
- Their CAP 2010 competitiveness plan drove a 58% increase in automotive recurring operating income compared to the first half of 2007.
- International expansion in priority regions like Mercosur and Eastern Europe contributed to a 15% volume growth.
- Successful new model launches and environmental leadership helped increase new car sales.
Tesco Q3 fianancial results
Tesco saw continued strong sales growth in the third quarter of 2008, with overall group sales up 11.7%. International sales grew 14.6% at constant exchange rates, led by Asia. In the UK, sales rose 5.9% with like-for-like sales up 3.2% excluding petrol. The launch of new "Discounter" products represented over 5% of UK food and grocery sales already. Tesco has sufficient financing for planned growth and expects to be cash positive in the second half of the year.
Hitachi Q 2 2008 results
Hitachi announced its financial results for the second quarter of fiscal year 2008, ended September 30, 2008. Consolidated revenues remained flat at 2.76 trillion yen, while operating income rose 23% to 119.3 billion yen. However, net loss was 17.3 billion yen, an improvement of 17.9 billion yen from the previous year. For the first half of fiscal year 2008, revenues were essentially flat at 5.31 trillion yen while operating income rose 62% to 197 billion yen and net income improved to 14.1 billion yen.
Ing 3 Q 2008 Earnings Presentation
This document provides an overview and summary of ING Group's third quarter 2008 results presentation. Some key points:
- ING reported its first ever quarterly loss due to impacts from market turmoil, though commercial performance remained resilient.
- ING took actions to reinforce its capital base in line with increased international capital standards following government interventions in other banks.
- While earnings were affected by volatility, underlying commercial results were stable with EUR 38 billion in net client balance growth. Expenses remained under control despite challenges in the operating environment.
Proctor & Gamble 2008 AnnualReport
P&G defines innovation broadly in terms of what it is, where it comes from, and who is responsible for it. P&G invests in innovation at industry-leading levels and manages innovation with discipline. P&G delivers innovation that builds consumer trust and loyalty over time through its global brands and outstanding innovation leaders. P&G's broad definition and consistent approach to innovation across its business has enabled it to sustain growth through innovative new products and drive reliable, long-term value for shareholders.
Nestle 2008 Q3 earnings results
Roddy Child-Villiers, Head of Investor Relations, presented Nestle's 2008 9-month sales results. Key highlights included organic growth of 8.9% for the group and food & beverage division, comfortably above the long-term target. Emerging markets achieved 16.8% organic growth. The financial position remained strong with a high credit rating and predictable cash flows. The outlook for full-year organic growth was improved to around 8%.
Novartis Q4 2008 earnings report
Novartis increased its dividend by 25% based on strong 2008 financial results. Net sales rose 9% to $41.5 billion due to growth in pharmaceuticals, vaccines and diagnostics, and consumer health. Operating income increased 32% to $9 billion. Net income grew 25% to $8.2 billion. The board proposed a dividend of CHF 2.00 per share, up from CHF 1.60 in 2007. Novartis expects another year of record results in 2009.
Lakeland Financial Corporation Quaterly Financial Analysis
Lakeland Financial Corporation's financial highlights for Q4 2008 show:
1) Total assets increased 19.5% year-over-year to $2.37 billion, while loans held for investment grew 20.3% to $1.83 billion.
2) Net income decreased 8.1% year-over-year to $4.43 million as provision for loan losses more than doubled and noninterest expenses rose 10.4%.
3) Asset quality deteriorated with nonperforming assets rising to 0.94% of total assets compared to 0.5% in Q4 2007, while capital ratios such as Tier 1 declined 127 basis points to 9.27%.
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学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
在线办理(GU毕业证书)美国贡萨加大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(GU毕业证书)美国贡萨加大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
快速办理(美国Fordham毕业证书)福德汉姆大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(美国Fordham毕业证书)福德汉姆大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
RMIT硕士学位证成绩单【微信95270640】《皇家墨尔本理工大学毕业证书》《QQ微信95270640》学位证书电子版：在线制作皇家墨尔本理工大学毕业证成绩单GPA修改（制作RMIT毕业证成绩单RMIT文凭证书样本）、皇家墨尔本理工大学毕业证书与成绩单样本图片、《RMIT学历证书学位证书》、皇家墨尔本理工大学毕业证案例毕业证书制作軟體、在线制作加拿大硕士学历证书真实可查.
【本科硕士】皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
Accounting Information Systems (AIS).pptx
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Seeman_Fiintouch_LLP_Newsletter_Jun_2024.pdf
The Impact of the 2024 Indian
Election Beyond Borders
01. Investment Gyan
02. Market Update
03. Inspiration investment story
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Machine Learning in Business - A power point presentation.pptx
Power point presentation on machine learning.
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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