This document provides quarterly financial information for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines. Some key details:
- Wholesale Banking reported operating earnings of $307.2 million for 4Q 2003, down slightly from $308.7 million the previous quarter. Noninterest income was $179.4 million.
- Consumer Banking reported operating earnings of $419.8 million for 4Q 2003, down from $440.8 million the previous quarter. Noninterest income was $366.5 million.
- Both business lines saw declines in net charge-offs and nonperforming assets compared to the prior year. Wholesale Banking
u.s.bancorp1Q 2004 Business Line Schedules - pdf versionfinance13
This document provides preliminary quarterly financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 1Q 2004 compared to previous quarters. Some key details:
- Wholesale Banking reported net revenue of $610.9 million for 1Q 2004, down slightly from $612 million in 4Q 2003. Noninterest income was $192.1 million.
- Consumer Banking reported higher net revenue of $1.336 billion for 1Q 2004, up from $1.323.6 billion the prior quarter. Noninterest income increased to $416.7 million from $386.9 million in 4Q 2003.
- Both business lines saw
u.s.bancorp1Q 2003 Supplemental Business Line Schedulesfinance13
This document provides preliminary quarterly financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 1Q 2003 compared to previous quarters. Some key highlights:
- Wholesale Banking reported net income of $308.8 million in 1Q 2003, up from $295.1 million in 4Q 2002. Noninterest income increased 13.6% to $198.3 million from $174.8 million.
- Consumer Banking reported net income of $381.8 million in 1Q 2003, up slightly from $377 million in 4Q 2002. Noninterest income increased 16.3% to $456.6 million from $392.3
u.s.bancorp4Q 2004 Business Line Schedules finance13
This document provides quarterly financial information for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 4Q 2004 and comparisons to previous quarters. Some key details:
- Wholesale Banking reported net revenue of $602.7 million in 4Q 2004, with net interest income of $416.5 million and noninterest income of $186.2 million. Net income was $284.9 million.
- Consumer Banking reported net revenue of $1.41 billion in 4Q 2004, with net interest income of $957.1 million and noninterest income of $453.2 million. Net income was $402.6 million.
-
u.s.bancorp3Q 2004 Business Line Schedules finance13
This document provides preliminary quarterly financial data for the wholesale banking and consumer banking business lines of U.S. Bancorp for 3Q 2004 and previous quarters. Key details include net interest income, noninterest income, expenses, earnings, asset and liability balances, credit quality metrics and ratios. Wholesale banking saw higher net interest income and noninterest income versus the prior quarter. Consumer banking saw higher net interest income but lower noninterest income due to securities gains/losses. Both business lines reported higher operating earnings compared to the previous quarter.
u.s.bancorp2Q 2003 Supplemental Business Line Schedulesfinance13
The document provides preliminary financial data for U.S. Bancorp's Wholesale Banking business for the second quarter of 2003 and comparisons to previous quarters. Some key details include:
- Net interest income was $511.7 million for 2Q 2003, up slightly from the previous quarter. Noninterest income was $194.5 million.
- Total net revenue for 2Q 2003 was $706.2 million. Operating earnings before items were $311.2 million.
- Average loans were $46.8 billion and average deposits were $27.9 billion for the quarter.
u.s.bancorp3Q 2003 Supplemental Business Line Schedulesfinance13
This document provides quarterly financial information for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines. For Wholesale Banking, net interest income was $492.1 million in 3Q 2003 while noninterest income totaled $188.1 million. Notable metrics included a return on assets of 2.38% and net charge-offs of $101.9 million. For Consumer Banking, net interest income was $944.8 million in 3Q 2003, while noninterest income was $259 million. This segment saw a return on assets of 2.54% and net charge-offs of $108.2 million. Both business lines saw stable or improving profitability
u.s.bancorp2Q 2004 Business Line Schedules finance13
This document provides quarterly financial information for the wholesale banking and consumer banking business lines of U.S. Bancorp for 2Q 2004 and comparisons to previous quarters. Key details include:
- Wholesale banking reported operating earnings of $265.7 million in 2Q 2004, down from $249.9 million in 1Q 2004. Net interest income was $399.3 million.
- Consumer banking reported operating earnings of $394.5 million in 2Q 2004, up from $283.8 million in 1Q 2004. Net interest income was $900.4 million.
- Both business lines saw increases in nonperforming assets from the previous quarter, with wholesale banking at $523
This financial summary provides key financial information for Anheuser-Busch for the years 2004-2002. Some highlights include:
- Gross sales increased from $17.16 billion in 2004 to $16.32 billion in 2003 and $15.69 billion in 2002. Operating income increased from $3.36 billion in 2004 to $3.20 billion in 2003.
- Barrels of Anheuser-Busch beer brands sold worldwide increased from 116.8 million in 2004 to 111 million in 2003 and 109.8 million in 2002.
- Net income increased from $2.24 billion in 2004 to $2.08 billion in 2003 and $1.93 billion in 2002. Basic and
u.s.bancorp1Q 2004 Business Line Schedules - pdf versionfinance13
This document provides preliminary quarterly financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 1Q 2004 compared to previous quarters. Some key details:
- Wholesale Banking reported net revenue of $610.9 million for 1Q 2004, down slightly from $612 million in 4Q 2003. Noninterest income was $192.1 million.
- Consumer Banking reported higher net revenue of $1.336 billion for 1Q 2004, up from $1.323.6 billion the prior quarter. Noninterest income increased to $416.7 million from $386.9 million in 4Q 2003.
- Both business lines saw
u.s.bancorp1Q 2003 Supplemental Business Line Schedulesfinance13
This document provides preliminary quarterly financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 1Q 2003 compared to previous quarters. Some key highlights:
- Wholesale Banking reported net income of $308.8 million in 1Q 2003, up from $295.1 million in 4Q 2002. Noninterest income increased 13.6% to $198.3 million from $174.8 million.
- Consumer Banking reported net income of $381.8 million in 1Q 2003, up slightly from $377 million in 4Q 2002. Noninterest income increased 16.3% to $456.6 million from $392.3
u.s.bancorp4Q 2004 Business Line Schedules finance13
This document provides quarterly financial information for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 4Q 2004 and comparisons to previous quarters. Some key details:
- Wholesale Banking reported net revenue of $602.7 million in 4Q 2004, with net interest income of $416.5 million and noninterest income of $186.2 million. Net income was $284.9 million.
- Consumer Banking reported net revenue of $1.41 billion in 4Q 2004, with net interest income of $957.1 million and noninterest income of $453.2 million. Net income was $402.6 million.
-
u.s.bancorp3Q 2004 Business Line Schedules finance13
This document provides preliminary quarterly financial data for the wholesale banking and consumer banking business lines of U.S. Bancorp for 3Q 2004 and previous quarters. Key details include net interest income, noninterest income, expenses, earnings, asset and liability balances, credit quality metrics and ratios. Wholesale banking saw higher net interest income and noninterest income versus the prior quarter. Consumer banking saw higher net interest income but lower noninterest income due to securities gains/losses. Both business lines reported higher operating earnings compared to the previous quarter.
u.s.bancorp2Q 2003 Supplemental Business Line Schedulesfinance13
The document provides preliminary financial data for U.S. Bancorp's Wholesale Banking business for the second quarter of 2003 and comparisons to previous quarters. Some key details include:
- Net interest income was $511.7 million for 2Q 2003, up slightly from the previous quarter. Noninterest income was $194.5 million.
- Total net revenue for 2Q 2003 was $706.2 million. Operating earnings before items were $311.2 million.
- Average loans were $46.8 billion and average deposits were $27.9 billion for the quarter.
u.s.bancorp3Q 2003 Supplemental Business Line Schedulesfinance13
This document provides quarterly financial information for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines. For Wholesale Banking, net interest income was $492.1 million in 3Q 2003 while noninterest income totaled $188.1 million. Notable metrics included a return on assets of 2.38% and net charge-offs of $101.9 million. For Consumer Banking, net interest income was $944.8 million in 3Q 2003, while noninterest income was $259 million. This segment saw a return on assets of 2.54% and net charge-offs of $108.2 million. Both business lines saw stable or improving profitability
u.s.bancorp2Q 2004 Business Line Schedules finance13
This document provides quarterly financial information for the wholesale banking and consumer banking business lines of U.S. Bancorp for 2Q 2004 and comparisons to previous quarters. Key details include:
- Wholesale banking reported operating earnings of $265.7 million in 2Q 2004, down from $249.9 million in 1Q 2004. Net interest income was $399.3 million.
- Consumer banking reported operating earnings of $394.5 million in 2Q 2004, up from $283.8 million in 1Q 2004. Net interest income was $900.4 million.
- Both business lines saw increases in nonperforming assets from the previous quarter, with wholesale banking at $523
This financial summary provides key financial information for Anheuser-Busch for the years 2004-2002. Some highlights include:
- Gross sales increased from $17.16 billion in 2004 to $16.32 billion in 2003 and $15.69 billion in 2002. Operating income increased from $3.36 billion in 2004 to $3.20 billion in 2003.
- Barrels of Anheuser-Busch beer brands sold worldwide increased from 116.8 million in 2004 to 111 million in 2003 and 109.8 million in 2002.
- Net income increased from $2.24 billion in 2004 to $2.08 billion in 2003 and $1.93 billion in 2002. Basic and
- Anheuser-Busch is a brewing company that sold over 121 million barrels of beer worldwide in 2005, generating $17.3 billion in gross sales.
- Net income was $1.8 billion in 2005, a decrease from $2.2 billion in 2004, due to a $105 million litigation settlement charge.
- Total assets were $16.6 billion as of the end of 2005, and shareholders' equity grew to $3.3 billion, resulting in a return on equity of 61.2%.
Ryder System, Inc. and Subsidiaries reported financial results for the fourth quarter and full year 2005. Revenue for the quarter increased 13.3% to $1.54 billion compared to the same period in 2004. For the full year, revenue rose 11.5% to $5.74 billion. Net earnings for the quarter were $58.8 million compared to $62.6 million in 2004, while full year net earnings increased to $226.9 million from $215.6 million in the prior year. The company saw growth across its business segments, with the largest increases in supply chain solutions and fuel revenue.
u.s.bancorp3Q 2007 Business Line Schedules finance13
U.S. Bancorp reported preliminary results for its Wholesale Banking and Consumer Banking business lines for 3Q 2007. Wholesale Banking net income was $265 million, down slightly from previous quarters. Noninterest income increased driven by higher treasury management fees and commercial product revenue. Consumer Banking net income was $455 million, also down slightly from prior periods, with mortgage banking and deposit service charges being major contributors to noninterest income. Both business lines saw a small decline in net interest margin from the prior year but remained profitable with returns on assets around 2%.
Ryder System, Inc. and Subsidiaries reported financial results for the three months and year ended December 31, 2006. For the quarter, revenue increased slightly to $1.594 billion while net earnings rose 11% to $65.8 million. For the full year, revenue grew 10% to $6.307 billion and net earnings increased 10% to $249 million. The company saw growth in its Fleet Management and Supply Chain Solutions segments, while Dedicated Contract Carriage remained relatively flat. Key metrics like return on equity and return on assets remained steady.
Unisys Corporation reported financial results for the first quarter of 2006 and 2005. In the first quarter of 2006, revenue decreased slightly to $1.387 billion compared to $1.367 billion in the same period of 2005. The net loss was $27.9 million in the first quarter of 2006, an improvement from a net loss of $45.5 million in 2005. Excluding pension expenses, the net loss would have been $25.8 million in 2006 and $13.7 million in 2005. Cash and cash equivalents increased to $980.2 million at the end of the first quarter of 2006 from $642.5 million at the end of 2005.
U.S. Bancorp's Wholesale Banking division reported preliminary results for 4Q 2007 with the following highlights:
- Net income was $277 million, consistent with the previous quarter.
- Total net revenue was $699 million, up slightly from the prior quarter.
- Noninterest income was $227 million, up from $211 million in 3Q 2007 driven by higher other income.
- Credit quality remained stable with net charge-offs of $19 million and nonperforming assets of $334 million.
The document is Equifax's consolidated financial statements for the first quarter of 2009. It shows that operating revenue increased slightly to $452.9 million compared to $503.1 million in the prior year. Net income attributable to Equifax was $54.4 million compared to $65.7 million in 2008. Basic earnings per share were $0.43 compared to $0.51 the previous year. Total assets increased to $3,281.9 million from $3,260.3 million at the end of 2008.
This document contains financial statements and key metrics for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. It shows that total revenue increased 4% to $1.658 billion in the second quarter, with operating revenue also up 4% to $1.157 billion. For the first half, total revenue rose 5% to $3.252 billion and operating revenue increased 5% to $2.276 billion. The Fleet Management Solutions segment saw revenue remain flat at $1.037 billion in the second quarter, while Supply Chain Solutions revenue increased 16% and Dedicated Contract Carriage declined slightly.
Unisys Corporation reported financial results for the first quarter of 2004 and 2003. Revenue increased slightly from $1.4 billion to $1.46 billion year-over-year. Net income was $28.9 million compared to $38.5 million in the prior year. Earnings per share were $0.09 compared to $0.12. The company also provided supplemental non-GAAP information excluding pension expenses/income to enhance understanding of operational performance. Free cash flow was $16.1 million compared to negative $154.3 million in the prior year period.
Ryder System reported financial results for the first quarter of 2008. Total revenue decreased 3% to $1.54 billion compared to the first quarter of 2007. Net earnings increased 9% to $56.1 million. The Fleet Management Solutions segment saw a 12% increase in revenue and a 13% increase in earnings before income taxes. The Supply Chain Solutions segment had a 27% decrease in revenue and a 27% decrease in earnings before income taxes.
Ryder System, Inc. reported financial results for the third quarter and first nine months of 2005. Revenue increased 14.1% to $1.49 billion for the quarter and 10.8% to $4.2 billion for the nine month period. Net earnings grew 16.7% to $63.3 million for the quarter and 9.9% to $168.1 million for the nine months. Earnings per share increased 17.6% to $0.98 for the quarter on higher revenue and earnings across business segments. The Fleet Management Solutions segment saw the largest revenue growth at 10.0% for the quarter due to increased fuel sales and rental revenues.
u.s.bancorp 1Q 2007 Business Line Schedules finance13
1) U.S. Bancorp reported preliminary quarterly results for its Wholesale Banking division for 1Q 2007, with net income of $275 million.
2) Key metrics included a return on average assets of 1.97%, return on average equity of 19.3%, and net interest margin of 3.54%.
3) Average loans totaled $51.7 billion, with commercial loans making up the largest segment at $34.7 billion. Noninterest income was $224 million, with treasury management fees being the largest component.
This annual report summarizes Northern Trust Corporation's financial results for 2005. Key points include:
- Revenues reached record levels of $2.69 billion, up 15% from 2004, driven by a 17% increase in trust, investment, and servicing fees.
- Net income was $584.4 million, up 16% compared to 2004.
- Total assets under management or administration increased 12% to a record $3.6 trillion due to strong new business growth internationally.
U.S. Bancorp reported record net income and earnings per share for the first quarter of 2006. Net income increased 7.7% compared to the first quarter of 2005, to $1,153 million, while earnings per share grew 10.5% to $0.63. Total net revenue increased 6.6% driven by 16.8% growth in noninterest income, which offset a 1.5% decline in net interest income. The provision for credit losses decreased 33.1% and credit quality remained strong.
This annual report discusses United Airlines' record-setting financial performance in 1996. Key highlights include generating over $1 billion in net earnings, record levels of operating revenues, capacity, and traffic. This success was driven by improvements to products and services from United's 86,000 employees and their efforts to execute the company's five-year strategic "Quality Flight Plan".
u.s.bancorp 2Q 2005 Business Line Schedules - pdf versionfinance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for the second quarter of 2005. Key highlights include: Wholesale Banking reported net income of $267 million for the quarter, with a return on assets of 2.11% and net interest margin of 3.69%. Consumer Banking reported net income of $452 million, with a return on assets of 2.30% and net interest margin of 5.51%. Both business lines saw increases in net interest income compared to the prior quarter.
1. Oxy is an international oil and gas company headquartered in California since 1920 with operations worldwide including the US, Middle East, North Africa, and Latin America.
2. From 1997 to 2007, Oxy's market capitalization grew 536% to over $63 billion, making it the fourth largest US oil and gas company by market value.
3. In 2007, Oxy produced over 570,000 barrels of oil equivalent per day from operations in the US, Latin America, Middle East, North Africa, and other regions.
The document is Occidental Petroleum Corporation's 2006 Annual Report. It provides selected financial data and highlights of the company's results of operations, financial position, market capitalization, and cash flow for the years 2002-2006. It also briefly describes Occidental Petroleum as a leading oil and natural gas exploration and production company, as well as a major North American chemical manufacturer, with operations around the world.
u.s.bancorp 1Q 2006 Business Line Schedules finance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for the first quarter of 2006. Wholesale Banking reported net income of $279 million, with a return on assets of 2.19% and efficiency ratio of 31.9%. Consumer Banking reported net income of $448 million, with a return on assets of 2.15% and efficiency ratio of 46.8%. Both business lines saw increases in net interest income compared to the same period last year.
u.s.bancorp 4Q 2005 Business Line Schedules finance13
U.S. Bancorp's Wholesale Banking division reported preliminary results for the fourth quarter of 2005. Net income was $282 million, down slightly from $258 million in the previous quarter. Noninterest income was $219 million. Total average assets were $51.2 billion and total average loans were $45.4 billion. Nonperforming assets decreased to $242 million from $282 million in the prior quarter.
u.s.bancorp2Q 2007 Business Line Schedules finance13
This document provides preliminary financial data for the 2nd quarter of 2007 for the Wholesale Banking and Consumer Banking business lines of U.S. Bancorp. Key highlights include:
- Wholesale Banking reported net income of $278 million for the quarter, down slightly from $275 million in the previous quarter. Noninterest income was $238 million.
- Consumer Banking reported net income of $456 million for the quarter, up from $435 million the previous quarter. Noninterest income was $472 million, driven by deposit service charges and mortgage banking revenue.
- Anheuser-Busch is a brewing company that sold over 121 million barrels of beer worldwide in 2005, generating $17.3 billion in gross sales.
- Net income was $1.8 billion in 2005, a decrease from $2.2 billion in 2004, due to a $105 million litigation settlement charge.
- Total assets were $16.6 billion as of the end of 2005, and shareholders' equity grew to $3.3 billion, resulting in a return on equity of 61.2%.
Ryder System, Inc. and Subsidiaries reported financial results for the fourth quarter and full year 2005. Revenue for the quarter increased 13.3% to $1.54 billion compared to the same period in 2004. For the full year, revenue rose 11.5% to $5.74 billion. Net earnings for the quarter were $58.8 million compared to $62.6 million in 2004, while full year net earnings increased to $226.9 million from $215.6 million in the prior year. The company saw growth across its business segments, with the largest increases in supply chain solutions and fuel revenue.
u.s.bancorp3Q 2007 Business Line Schedules finance13
U.S. Bancorp reported preliminary results for its Wholesale Banking and Consumer Banking business lines for 3Q 2007. Wholesale Banking net income was $265 million, down slightly from previous quarters. Noninterest income increased driven by higher treasury management fees and commercial product revenue. Consumer Banking net income was $455 million, also down slightly from prior periods, with mortgage banking and deposit service charges being major contributors to noninterest income. Both business lines saw a small decline in net interest margin from the prior year but remained profitable with returns on assets around 2%.
Ryder System, Inc. and Subsidiaries reported financial results for the three months and year ended December 31, 2006. For the quarter, revenue increased slightly to $1.594 billion while net earnings rose 11% to $65.8 million. For the full year, revenue grew 10% to $6.307 billion and net earnings increased 10% to $249 million. The company saw growth in its Fleet Management and Supply Chain Solutions segments, while Dedicated Contract Carriage remained relatively flat. Key metrics like return on equity and return on assets remained steady.
Unisys Corporation reported financial results for the first quarter of 2006 and 2005. In the first quarter of 2006, revenue decreased slightly to $1.387 billion compared to $1.367 billion in the same period of 2005. The net loss was $27.9 million in the first quarter of 2006, an improvement from a net loss of $45.5 million in 2005. Excluding pension expenses, the net loss would have been $25.8 million in 2006 and $13.7 million in 2005. Cash and cash equivalents increased to $980.2 million at the end of the first quarter of 2006 from $642.5 million at the end of 2005.
U.S. Bancorp's Wholesale Banking division reported preliminary results for 4Q 2007 with the following highlights:
- Net income was $277 million, consistent with the previous quarter.
- Total net revenue was $699 million, up slightly from the prior quarter.
- Noninterest income was $227 million, up from $211 million in 3Q 2007 driven by higher other income.
- Credit quality remained stable with net charge-offs of $19 million and nonperforming assets of $334 million.
The document is Equifax's consolidated financial statements for the first quarter of 2009. It shows that operating revenue increased slightly to $452.9 million compared to $503.1 million in the prior year. Net income attributable to Equifax was $54.4 million compared to $65.7 million in 2008. Basic earnings per share were $0.43 compared to $0.51 the previous year. Total assets increased to $3,281.9 million from $3,260.3 million at the end of 2008.
This document contains financial statements and key metrics for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. It shows that total revenue increased 4% to $1.658 billion in the second quarter, with operating revenue also up 4% to $1.157 billion. For the first half, total revenue rose 5% to $3.252 billion and operating revenue increased 5% to $2.276 billion. The Fleet Management Solutions segment saw revenue remain flat at $1.037 billion in the second quarter, while Supply Chain Solutions revenue increased 16% and Dedicated Contract Carriage declined slightly.
Unisys Corporation reported financial results for the first quarter of 2004 and 2003. Revenue increased slightly from $1.4 billion to $1.46 billion year-over-year. Net income was $28.9 million compared to $38.5 million in the prior year. Earnings per share were $0.09 compared to $0.12. The company also provided supplemental non-GAAP information excluding pension expenses/income to enhance understanding of operational performance. Free cash flow was $16.1 million compared to negative $154.3 million in the prior year period.
Ryder System reported financial results for the first quarter of 2008. Total revenue decreased 3% to $1.54 billion compared to the first quarter of 2007. Net earnings increased 9% to $56.1 million. The Fleet Management Solutions segment saw a 12% increase in revenue and a 13% increase in earnings before income taxes. The Supply Chain Solutions segment had a 27% decrease in revenue and a 27% decrease in earnings before income taxes.
Ryder System, Inc. reported financial results for the third quarter and first nine months of 2005. Revenue increased 14.1% to $1.49 billion for the quarter and 10.8% to $4.2 billion for the nine month period. Net earnings grew 16.7% to $63.3 million for the quarter and 9.9% to $168.1 million for the nine months. Earnings per share increased 17.6% to $0.98 for the quarter on higher revenue and earnings across business segments. The Fleet Management Solutions segment saw the largest revenue growth at 10.0% for the quarter due to increased fuel sales and rental revenues.
u.s.bancorp 1Q 2007 Business Line Schedules finance13
1) U.S. Bancorp reported preliminary quarterly results for its Wholesale Banking division for 1Q 2007, with net income of $275 million.
2) Key metrics included a return on average assets of 1.97%, return on average equity of 19.3%, and net interest margin of 3.54%.
3) Average loans totaled $51.7 billion, with commercial loans making up the largest segment at $34.7 billion. Noninterest income was $224 million, with treasury management fees being the largest component.
This annual report summarizes Northern Trust Corporation's financial results for 2005. Key points include:
- Revenues reached record levels of $2.69 billion, up 15% from 2004, driven by a 17% increase in trust, investment, and servicing fees.
- Net income was $584.4 million, up 16% compared to 2004.
- Total assets under management or administration increased 12% to a record $3.6 trillion due to strong new business growth internationally.
U.S. Bancorp reported record net income and earnings per share for the first quarter of 2006. Net income increased 7.7% compared to the first quarter of 2005, to $1,153 million, while earnings per share grew 10.5% to $0.63. Total net revenue increased 6.6% driven by 16.8% growth in noninterest income, which offset a 1.5% decline in net interest income. The provision for credit losses decreased 33.1% and credit quality remained strong.
This annual report discusses United Airlines' record-setting financial performance in 1996. Key highlights include generating over $1 billion in net earnings, record levels of operating revenues, capacity, and traffic. This success was driven by improvements to products and services from United's 86,000 employees and their efforts to execute the company's five-year strategic "Quality Flight Plan".
u.s.bancorp 2Q 2005 Business Line Schedules - pdf versionfinance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for the second quarter of 2005. Key highlights include: Wholesale Banking reported net income of $267 million for the quarter, with a return on assets of 2.11% and net interest margin of 3.69%. Consumer Banking reported net income of $452 million, with a return on assets of 2.30% and net interest margin of 5.51%. Both business lines saw increases in net interest income compared to the prior quarter.
1. Oxy is an international oil and gas company headquartered in California since 1920 with operations worldwide including the US, Middle East, North Africa, and Latin America.
2. From 1997 to 2007, Oxy's market capitalization grew 536% to over $63 billion, making it the fourth largest US oil and gas company by market value.
3. In 2007, Oxy produced over 570,000 barrels of oil equivalent per day from operations in the US, Latin America, Middle East, North Africa, and other regions.
The document is Occidental Petroleum Corporation's 2006 Annual Report. It provides selected financial data and highlights of the company's results of operations, financial position, market capitalization, and cash flow for the years 2002-2006. It also briefly describes Occidental Petroleum as a leading oil and natural gas exploration and production company, as well as a major North American chemical manufacturer, with operations around the world.
u.s.bancorp 1Q 2006 Business Line Schedules finance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for the first quarter of 2006. Wholesale Banking reported net income of $279 million, with a return on assets of 2.19% and efficiency ratio of 31.9%. Consumer Banking reported net income of $448 million, with a return on assets of 2.15% and efficiency ratio of 46.8%. Both business lines saw increases in net interest income compared to the same period last year.
u.s.bancorp 4Q 2005 Business Line Schedules finance13
U.S. Bancorp's Wholesale Banking division reported preliminary results for the fourth quarter of 2005. Net income was $282 million, down slightly from $258 million in the previous quarter. Noninterest income was $219 million. Total average assets were $51.2 billion and total average loans were $45.4 billion. Nonperforming assets decreased to $242 million from $282 million in the prior quarter.
u.s.bancorp2Q 2007 Business Line Schedules finance13
This document provides preliminary financial data for the 2nd quarter of 2007 for the Wholesale Banking and Consumer Banking business lines of U.S. Bancorp. Key highlights include:
- Wholesale Banking reported net income of $278 million for the quarter, down slightly from $275 million in the previous quarter. Noninterest income was $238 million.
- Consumer Banking reported net income of $456 million for the quarter, up from $435 million the previous quarter. Noninterest income was $472 million, driven by deposit service charges and mortgage banking revenue.
- Ryder System, Inc. reported consolidated revenue of $1.59 billion for Q4 2006, up 3% from Q4 2005. For full year 2006, revenue was $6.31 billion, an increase of 10% over 2005.
- Earnings from continuing operations for Q4 2006 were $65.8 million, an 11% increase from $59.5 million in Q4 2005. For 2006, earnings from continuing operations were $249 million, up 9% from 2005.
- The Fleet Management Solutions segment saw a 1% decline in revenue for Q4 2006 compared to Q4 2005, while the Supply Chain Solutions segment had a 13% revenue increase and the Dedicated Contract Carriage
u.s.bancorp3Q 2008 Business Line Schedules finance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 3Q 2008 compared to previous quarters. Wholesale Banking saw higher net income compared to previous quarters due to increased net interest income and noninterest income. However, provision for credit losses also increased significantly. Consumer Banking saw higher net income compared to previous quarters due to increased net interest income and noninterest income, though provision for credit losses also rose substantially.
u.s.bancorp 3Q 2006 Business Line Schedules finance13
- U.S. Bancorp's Wholesale Banking division reported preliminary results for 3Q 2006 with total net revenue of $697 million, net income of $298 million, and return on average assets of 2.10%.
- Key sources of noninterest income included treasury management fees of $78 million, commercial products revenue of $96 million, and other income of $43 million.
- Total average loans were $51 billion, while total average deposits were $32.5 billion. Net interest margin was 3.67% for the quarter.
Ryder System, Inc. and Subsidiaries reported financial results for the fourth quarter and full year 2005. Revenue for the quarter increased 13.3% to $1.54 billion compared to the same period in 2004. For the full year, revenue rose 11.5% to $5.74 billion. Net earnings for the quarter were $58.8 million, a decrease of 6.1% from 2004. However, full year net earnings increased 5.3% to $226.9 million compared to 2004. The company saw growth across its business segments, with the largest increases in its Supply Chain Solutions and Fuel revenue.
u.s.bancorp 3Q 2005 Business Line Schedules finance13
U.S. Bancorp's Wholesale Banking division reported preliminary results for 3Q 2005 with the following highlights:
- Net income of $259 million, up slightly from $266 million in the previous quarter.
- Total net revenue of $606 million, down slightly from $613 million in the previous quarter.
- Noninterest income was $191 million, down from $204 million in the previous quarter driven primarily by a decline in treasury management fees and other income.
- Credit quality remained stable with net charge-offs of $4 million, an improvement from $16 million in the previous quarter.
u.s.bancorp 4Q 2006 Business Line Schedules finance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for 4Q 2006. Wholesale Banking reported net income of $284 million, with a return on assets of 2.00% and return on equity of 19.6%. Consumer Banking reported net income of $419 million, with a return on assets of 1.99% and return on equity of 25.2%. Both business lines saw increases in net interest income and decreases in noninterest expense compared to prior periods.
This document summarizes Aetna's financial performance for the third quarter and first nine months of 2005 compared to the same periods in 2004. It shows that total revenue, health care costs, and income from continuing operations increased from the prior year periods. However, net income decreased due to a large tax refund received in 2004 that was not repeated in 2005. On a per share basis, income from continuing operations increased while net income decreased year-over-year due to the one-time tax refund in the prior period. Shareholders' equity also increased over this time period.
Anthem Southeast reported financial results for 2001 and the first two quarters of 2002. In 2001, operating revenue was $4.4 billion and net income was $116.1 million. Medical membership increased from 2.3 million to 2.4 million between the first and fourth quarters of 2001. For the first half of 2002, operating revenue was $2.5 billion and net income was $65 million, with medical membership at 2.5 million. Benefit expenses accounted for over 80% of operating expenses in both 2001 and the first half of 2002.
u.s.bancorp 1Q 2005 Business Line Schedulesfinance13
1) U.S. Bancorp's Wholesale Banking division reported preliminary first quarter 2005 results including net income of $270 million, a return on assets of 2.21%, and nonperforming assets of $330 million.
2) Key revenue sources included net interest income of $398 million and noninterest income of $214 million including treasury management fees of $75 million and commercial products revenue of $79 million.
3) Expenses totaled $184 million including compensation of $50 million and net shared services of $103 million.
u.s.bancorp2Q 2008 Business Line Schedules finance13
This document provides preliminary financial data for U.S. Bancorp's Wholesale Banking and Consumer Banking business lines for the second quarter of 2008. Key highlights include:
- Wholesale Banking reported net income of $255 million for Q2 2008, down slightly from $254 million in Q1 2008. Noninterest income was $229 million.
- Consumer Banking reported net income of $321 million for Q2 2008, down from $387 million in Q1 2008. Noninterest income was $550 million.
- Total loans and deposits increased from the prior quarter for both business lines. Credit quality metrics like net charge-offs and nonperforming assets also increased from Q
This annual financial report summarizes Northern Trust Corporation's financial results for 2007. Key highlights include:
- Revenues reached record levels of $3.57 billion, up 17% from 2006, driven by growth in trust, investment and other servicing fees.
- Net income increased 9% to $726.9 million while earnings per share grew 8% to $3.24. Excluding Visa charges, operating earnings per share increased 22%.
- Total assets under custody or administration increased to a record high of $3.6 trillion, reflecting growth in international markets.
- Strong financial performance achieved each of the Corporation's long-term strategic targets for revenue, earnings per share, return on equity, and
u.s.bancorpQ 2008 Business Line Schedules finance13
U.S. Bancorp's Wholesale Banking division reported preliminary financial results for the first quarter of 2008. Net income was $255 million, down from $280 million in the previous quarter. Total loans increased to $56.6 billion from $53.7 billion in the prior quarter. Nonperforming assets rose to $424 million from $335 million in the previous quarter. Overall, the Wholesale Banking division saw higher loan balances but lower net income and increased nonperforming assets compared to the previous quarter.
This document summarizes Ryder System Inc.'s financial performance for the second quarter and first half of 2006 compared to the same periods in 2005. Some key highlights include:
- Total revenue increased 14.8% to $1.6 billion for the quarter and 14.3% to $3.1 billion for the first half.
- Earnings before income taxes rose 15.5% to $104.6 million for the quarter and 16.5% to $183.8 million for the first half.
- The Fleet Management Solutions segment saw revenue increase 8.2% for the quarter and 7.2% for the first half, while earnings before taxes grew 6.8% and
This document summarizes Ryder System Inc.'s financial performance for the second quarter and first half of 2006 compared to the same periods in 2005. Some key highlights include:
- Total revenue increased 14.8% to $1.6 billion for the quarter and 14.3% to $3.1 billion for the first half.
- Earnings before income taxes rose 15.5% to $104.6 million for the quarter and 16.5% to $183.8 million for the first half.
- The Fleet Management Solutions segment saw revenue increase 8.2% for the quarter and 7.2% for the first half, while earnings before taxes grew 6.8% and
This document contains financial statements and key metrics for Ryder System, Inc. for the third quarter and first nine months of 2005 compared to the same periods in 2004. It shows that revenue increased 14.1% to $1.49 billion for the quarter and 10.8% to $4.2 billion for the nine month period. Net earnings increased 16.7% to $63.3 million for the quarter and 9.7% to $168.1 million for the nine months. The debt to equity ratio increased to 137% as of September 30, 2005 from 118% as of December 31, 2004.
This document provides financial information for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. Some key details include:
- Revenue increased 4% to $1.658 billion for the quarter and 5% to $3.252 billion for the first half.
- Net earnings decreased 7% to $65.1 million for the quarter but were relatively flat at $116.4 million for the first half.
- Operating revenue for the Fleet Management Solutions segment increased 2% for the quarter and year-to-date. Segment earnings increased 3% and 5% respectively.
- Supply Chain Solutions operating revenue increased 13% for the quarter and 16
This document provides financial information for Ryder System, Inc. for the second quarter and first half of 2007 compared to the same periods in 2006. Some key details include:
- Total revenue for the second quarter was $1.658 billion, up 4% from the prior year. First half revenue was $3.252 billion, up 5%.
- Fleet Management Solutions revenue was flat for the quarter but up 7% for the first half. Supply Chain Solutions revenue grew 16% for both periods.
- Net earnings were $65.1 million for the quarter, down 7% from 2006, and $116.4 million for the first half, down 1% from the prior year.
-
Similar to u.s.bancorp4Q 2003 Supplemental Business Line Schedules (20)
capital oneCapital One Financial Corp. Shareholders Meeting Presentationfinance13
The annual stockholder meeting document discusses Capital One's performance in 2007 and the challenges facing the banking industry. It notes that 2007 was the first year Capital One saw a decline in earnings per share. It also discusses the housing market correction and its prolonged negative impact. Additionally, it provides context on Capital One's deposit size, making it the 13th largest deposit-taking bank in the US.
capital oneLehman Brothers Eleventh Annual Lehman Financial Services Conferen...finance13
- Capital One is a top 10 bank and 14th largest depository institution in the US with $87.6B in deposits as of Q4 2007. It is also the 5th largest credit card issuer.
- Capital One is a diversified bank that is now primarily funded by deposits, with deposits comprising 47% of its managed liabilities as of Q4 2007, compared to other major banks that are more reliant on unsecured debt and securitizations.
- The presentation discusses Capital One's business overview, competitive positioning, and funding sources. Forward-looking statements are provided but subject to various risk factors that could cause actual results to differ materially.
capital oneSanford C. Bernstein & Co. Strategic Decisions Conference Presenta...finance13
This document discusses Capital One's approach to risk management and positioning for economic cycles. It notes that Capital One has transformed into a diversified bank with significant deposit funding. Capital One assumes recessions and degradation in underwriting and saves repricing for safety and soundness rather than assuming good times will continue. The document also discusses how different lending segments such as credit cards have performed relative to others such as auto loans during past economic downturns.
capital one Keefe, Bruyette & Woods, Inc. Diversified Financial Services Conf...finance13
Capital One is a top 10 bank and 5th largest credit card issuer. It has seen weakening credit metrics that reflect the deteriorating US economy. The company increased its loan loss allowance by $310M in Q108 to prepare for expected losses. While credit costs rose, increased revenue margins largely offset the impact. Capital One continues efficiency initiatives and managing its balance sheet to sustain profitability despite credit headwinds.
capital one Q2 2008 Capital One Financial Earnings Conference Call Presentationfinance13
Capital One reported second quarter 2008 results. Diluted EPS from continuing operations was $1.24, down from the prior quarter and year due to higher provision expense and lower revenue. Credit performance was largely in line with expectations, with managed charge-offs at 4.15% and delinquencies at 3.56%. Tighter underwriting led to portfolio contraction. The balance sheet remains strong with increased deposits and liquidity.
capital one Lehman Conference Presentationfinance13
Capital One provides a presentation on its financial performance and positioning. It discusses (1) executing on its vision of national lending and local banking, (2) delivering an operating profit of $463M despite significant credit headwinds, and (3) decisions that position it to navigate cyclical challenges and deliver value over the cycle through resilient businesses, conservative risk management, and lower lending lines.
capital one Q3 2008 Capital One Financial Earnings Conference Call Presentationfinance13
Capital One reported third quarter 2008 results with the following highlights:
1) Diluted EPS from continuing operations was $1.03, down from $1.21 in the third quarter of 2007 driven by higher provision expense.
2) Credit performance was largely in line with expectations, with managed charge-off and delinquency rates up from the previous quarter.
3) The balance sheet and diversified funding remained strong, with available liquidity of $32 billion and deposit growth of $6 billion from the previous quarter.
capital one Capital One Acquisition of Chevy Chase Bankfinance13
Capital One announced the acquisition of Chevy Chase Bank for $520 million. Chevy Chase has $11.6 billion in deposits and is the #1 bank in the Washington D.C. market. The acquisition enhances Capital One's local banking business and deposit funding. It is expected to be financially attractive with an estimated 13% internal rate of return and accretion to earnings per share in 2009 and 2010. Capital One took a $1.75 billion net credit mark on Chevy Chase's loans to mitigate credit risks.
capital one Printer Friendly Version of the Press Releasefinance13
Capital One reported a net loss for 2008 due to a large goodwill impairment in its Auto Finance business. It added $1 billion to loan loss reserves due to expectations of increasing losses. Credit performance deteriorated in the fourth quarter as the recession deepened. Deposits grew over 30% from the previous year and 10% in the last quarter.
capital one Printer Friendly Version of the Financial Supplementfinance13
This document provides quarterly and annual financial and statistical data for Capital One Financial Corporation for 2008 and Q4 2007. Some key highlights include:
- For Q4 2008, Capital One reported a net loss of $1.42 billion compared to net income of $226.6 million in Q4 2007. Revenue declined 38% annually and the company reported an ROA of -3.45%.
- On a managed basis, which includes securitized assets, Q4 2008 net loss was $1.42 billion, revenue declined 25% annually, and ROA was -2.70%.
- Asset quality deteriorated with the net charge-off rate rising to 4.98% in Q4 2008
capital onePrinter Friendly Version of the Conference Call Presentationfinance13
- Fourth quarter 2008 results showed a loss due to higher provision expense and a goodwill write-down. The losses were driven by deterioration in credit performance as economic conditions worsened.
- Credit losses and delinquency rates increased across all lending segments as unemployment rose. The allowance for loan losses was increased substantially.
- Deposits grew significantly while margins declined due to credit costs and mix shift to lower-yielding assets. Expenses declined due to cost management efforts.
- An impairment charge was taken for goodwill in the Auto Finance segment. The balance sheet and liquidity remain strong despite the difficult environment.
This document is Capital One's 1996 Annual Report. It summarizes that in 1996, Capital One achieved record financial results including net income increasing 23% to $155.3 million and managed loans increasing 23% to $12.8 billion. Capital One's success is driven by its proprietary information-based strategy which allows it to customize products, manage risk conservatively, and continuously innovate. The company added nearly 2,000 employees in 1996 and remains focused on testing new products.
Capital One had a remarkable year in 1997, setting records for financial and operating performance. They added 3.2 million new customers, ending the year with 11.7 million accounts. Capital One's success demonstrates the power of their information-based strategy and innovation. Going forward, they see opportunity for continued growth in the US and internationally by applying their strategy of mass customization.
Capital One Financial Corporation's 1998 Annual Report summarizes the company's strong financial performance in 1998. Capital One saw record growth across key metrics such as earnings per share, revenue, managed loans, and number of customer accounts. The company achieved net income of $275 million, a 45% increase over 1997. Capital One's success is powered by its Information-Based Strategy of using technology, data analysis, and scientific testing to customize financial products for each customer. This strategy has allowed the company to rapidly innovate and gain market share in the credit card industry.
Capital One Financial Corporation's 1999 Annual Report highlights the company's explosive growth over the past 5 years since its IPO, including doubling its customer base to 24 million and increasing revenues 512% between 1994 and 1999. The report discusses Capital One's continued focus on its information-based strategy of testing new ideas, customizing products for customers, and driving innovation to build one of the world's truly great companies with sustained financial performance and customer satisfaction. Key metrics show earnings per share and return on equity growth above 20% for the fifth consecutive year.
This annual report summarizes Capital One's growth and success in 2000. Some key points:
- Capital One has grown rapidly since its IPO in 1994, becoming one of the fastest growing and most profitable companies in the US.
- Through its proprietary information-based strategy (IBS), Capital One has created innovative credit card and loan products tailored to individual customers, reducing risk while delivering value.
- In 2000, Capital One added a record 10 million new customers, conducted over 45,000 tests of new ideas, and invested over $900 million in marketing.
- Capital One aims to continue its strong growth by expanding its product lines and customer base internationally, and by building its brand through advertising and
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
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.
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.
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.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
South Dakota State University degree offer diploma Transcriptynfqplhm
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
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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
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.