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Danske Bank annual report 2008
Danske Bank annual report 2008

CEO Job Security and Risk-Taking
CEO Job Security and Risk-Taking

... for firm fixed effects and executive fixed effects, and they hold also when we control for age or tenure groups or for CEO compensation levels. The contract expiration date delivers exogenously timed but imprecise changes in turnover likelihood. The time to contract expiration gives us a good estim ...
Ineffi cient Investment Waves - The University of Chicago Booth
Ineffi cient Investment Waves - The University of Chicago Booth

... For our analysis, we integrate a novel, analytically tractable, stochastic dynamic model of liquidity management into a macroeconomic context. Our model focuses on non-…nancial …rms. We call their long-term risky asset capital, and their liquid asset holdings cash. Capital stands for certain …xed i ...
- UConn School of Business
- UConn School of Business

... The decision to pay a dividend in a certain year has two important implications: First, the cash outflow reduces the level of funds available to the firm, and second the dividend payment signals an unwritten commitment that the firm will maintain at least the same level in the coming years. Managers ...
Annual Report 2010
Annual Report 2010

... now, but I still stand by that decision wholeheartedly. In 2009 we had no idea which way the world economy would go or how ...
Does the PCAOB`s cross-border audit oversight affect the value of
Does the PCAOB`s cross-border audit oversight affect the value of

... increases in bid ask spread are more pronounced for companies that are smaller, hiring non-big4 auditors, and with weaker institutional strength. The results are robust to the inclusion or exclusion of Chinese companies in the sample for the cross-sectional analysis, and to various measures of inst ...
Small Firm Use of Debt: An Examination of the Smallest Small Firms
Small Firm Use of Debt: An Examination of the Smallest Small Firms

... In spite of their dependence on debt capital, and in particular bank debt, prior research suggests that many small firms experience difficulties in working with banks, have less access to bank capital, and pay a higher rate of interest for the loans they do acquire (Coleman & Carsky, 1996, Riding et ...
Managing Quality Integrating the Supply Chain
Managing Quality Integrating the Supply Chain

... flows, material flows, and fund flows. Each of these flows has to operate efficiently, effectively, and with quality. Like a river, we have upstream and downstream flows. The sums of these flows make up the supply chain for a firm. Using the supply chain as the model for competition, we must interna ...
Griffin Institutional Access Real Estate Fund
Griffin Institutional Access Real Estate Fund

... enables the Adviser to allocate between public and private real estate securities, and allows the Fund to invest across a diversified set of investment managers and strategies as well as providing investment exposure across property types and geographies. Under normal circumstances, at least 80% of ...
Annual Report - The Standard Finance
Annual Report - The Standard Finance

... Our brand, Esprit, is our most valuable asset and enhancing our brand equity is definitely one of our priorities. We will sharpen the positioning and profile of the brand based on the great and unique heritage of Esprit. This will have a visible impact on all “touch points of the brand”, from our pr ...
Earnings Release 1Q17
Earnings Release 1Q17

... the Compensation Committee, Jean Lanier, conducted a thorough engagement with many of our shareholders. Feedback on the Group’s strategy and its execution was supportive. There were, however, some shareholders who expressed reservations regarding certain aspects of compensation. In order to address ...
DENTON COUNTY FRESH WATER SUPPLY DISTRICT NO. 11
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... No dealer, broker, salesman or other person has been authorized to give any information or to make any representations other than those contained in this Official Statement and, if given or made, such other information or representations must not be relied up ...
Financial reporting developments: Asset Retirement Obligations
Financial reporting developments: Asset Retirement Obligations

... Throughout this publication references to guidance in the codification are shown using these reference numbers. References are also made to certain pre-codification standards (and specific sections or paragraphs of pre-Codification standards) in situations in which the content being discussed is exc ...
A Returns-Based Representation of Earnings Quality
A Returns-Based Representation of Earnings Quality

... the 0.001 level) average return indicate that whatever bias is introduced by using an accounting-based sample as the foundation for AQfactor does not invalidate the approach. Taken together, we believe the results support the inference that e-loadings capture the same underlying construct as reflect ...
Investment Opportunities, Free-Cash-Flow, and the Market Values of
Investment Opportunities, Free-Cash-Flow, and the Market Values of

... there is a greater need for internal capital markets in foreign operations. These higher growth opportunities abroad may also mean that free-cash-flow problems (e.g. Jensen (1986)) are less severe in foreign subsidiaries than domestically.4 For example, Doukas (1995) shows that U.S. firms that bid f ...
index of defined terms
index of defined terms

... The credit ratings of GSG referred to in this Prospectus have been issued by DBRS, Inc. ("DBRS"), Fitch, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), Standard & Poor's Ratings Services, a division of The McGraw-Hill Companies, Inc. ("S&P") and Rating and Investment Information, Inc. ...
On The Origins of Risk-Taking in Financial Markets
On The Origins of Risk-Taking in Financial Markets

... to adoptive families at birth. Under this assumption, the coefficients on investment behavior of biological parents provide an estimate of the effect of pre-birth factors and the coefficients on investment behavior of adoptive parents provide an estimate of the effects of post-birth factors. While t ...


... in 2008 to 2009 with 10 and 15 banks being registered respectively. Currently there are more microfinance institutions operating as banks than as others types of MFIs (table. 1.2). In 2006, 33% of MFIs were not regulated and 77% were under CBN regulation. In 2007, 2008, 2009 and 2010 there were 33.3 ...
Investment and Investment Finance in Europe
Investment and Investment Finance in Europe

... The importance of investment for economic growth has long been recognised. On the one hand, investment in a nation’s capital stock may contribute to increased productivity and hence stronger economic growth in the medium term. This holds true for both the formation of tangible fixed assets such as m ...
ECONOMICO 2013 ENG.indd
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... comprising the parent company Grupo Isolux Corsán, S.A. and its subsidiaries and associates. Additionally, the Group participates with other entities or members in joint ventures and temporary joint ventures (hereinafter, Joint Ventures). Appendices I, II, III and IV to these notes contain additiona ...
The University of Chicago, The Booth School of
The University of Chicago, The Booth School of

2013-2 ESMA Report - Review of practices related to
2013-2 ESMA Report - Review of practices related to

... with significant amounts of goodwill and includes recommendations to enhance the application of the provisions of IAS 36 - Impairment of Assets. As a result of the financial and economic crisis, and the resulting poor economic outlook, assets in many industries may generate lower cash flows than exp ...
gruppo de eccher 2013 gr u pp odeec ch er 2013
gruppo de eccher 2013 gr u pp odeec ch er 2013

... Notwithstanding the persistence of markedly adverse operating conditions during 2013, the commercial and production organisation of the Group, as well as the Group’s capitalisation structure, have shown convincing signs of resilience and adaptive capability. Turnover reached Euro 572 million, markin ...
NBER WORKING PAPER SERIES TEMPERATURE, AGGREGATE RISK, AND EXPECTED RETURNS Ravi Bansal
NBER WORKING PAPER SERIES TEMPERATURE, AGGREGATE RISK, AND EXPECTED RETURNS Ravi Bansal

... Standard & Poor’s (S&P) equity index and the Morgan Stanley Capital International (MSCI) equity index, both expressed in U.S. dollars. We also consider the MSCI All Country World Index which measures equity returns across developed and emerging markets, 45 countries in total, to compute the world ma ...
MAGELLAN HEALTH INC - Nasdaq`s INTEL Solutions
MAGELLAN HEALTH INC - Nasdaq`s INTEL Solutions

... certificate of incorporation to declassify our board of directors and to delete obsolete provisions in Proposal Number Three; (d) FOR the ratification of Ernst & Young LLP as our independent auditor for the fiscal year 2017 in Proposal Number Four. We expect that our current executive officers and m ...
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Investment management

Investment management is the professional asset management of various securities (shares, bonds and other securities) and other assets (e.g., real estate) in order to meet specified investment goals for the benefit of the investors. Investors may be institutions (insurance companies, pension funds, corporations, charities, educational establishments etc.) or private investors (both directly via investment contracts and more commonly via collective investment schemes e.g. mutual funds or exchange-traded funds).The term asset management is often used to refer to the investment management of collective investments, while the more generic fund management may refer to all forms of institutional investment as well as investment management for private investors. Investment managers who specialize in advisory or discretionary management on behalf of (normally wealthy) private investors may often refer to their services as money management or portfolio management often within the context of so-called ""private banking"".The provision of investment management services includes elements of financial statement analysis, asset selection, stock selection, plan implementation and ongoing monitoring of investments. Coming under the remit of financial services many of the world's largest companies are at least in part investment managers and employ millions of staff.Fund manager (or investment advisor in the United States) refers to both a firm that provides investment management services and an individual who directs fund management decisions.According to a Boston Consulting Group study, the assets managed professionally for fees reached an all-time high of US$62.4 trillion in 2012, after remaining flat-lined since 2007. Furthermore, these industry assets under management were expected to reach US$70.2 trillion at the end of 2013 as per a Cerulli Associates estimate.The global investment management industry is highly concentrated in nature, in a universe of about 70,000 funds roughly 99.7% of the US fund flows in 2012 went into just 185 funds. Additionally, a majority of fund managers report that more than 50% of their inflows go to just three funds.
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