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Progress Report on Inclusion of Enhanced Contractual Provisions in
Progress Report on Inclusion of Enhanced Contractual Provisions in

... October 2014 Board discussion, Directors noted that bonds issued by euro area sovereigns are required to include a CAC that allows for either a series-by-series or a two-limb aggregated voting procedure. Taking into account the fact that bond issuances by euro area sovereigns are, in most cases, gov ...
Offering Memorandum - Morrison Laurier Mortgage Corporation
Offering Memorandum - Morrison Laurier Mortgage Corporation

... Certain statements contained in this Offering Memorandum constitute forward-looking statements. These statements relate to future events or our future performance. All statements other than statements of historical fact are forwardlooking statements. The use of any of the words “anticipate”, “contin ...
RRSP vs TFSA - Pro
RRSP vs TFSA - Pro

... That pot of gold can be different for everybody. It could be an exotic holiday, a vacation home, or just to be able to provide a university education for the children. Many people, as they start to approach “retirement years”, would like to at least maintain or improve the same lifestyle that they h ...
eurazeo sells approximately one third of its stake in elis
eurazeo sells approximately one third of its stake in elis

Technology Transfer and Spillovers in International Joint
Technology Transfer and Spillovers in International Joint

... conflicting interests with respect to sharing cash flow rights. However, a multinational may voluntarily agree to a joint venture if this induces the host country to introduce a more favorable policy vis à vis the foreign subsidiary. On the other hand, there are also circumstances where it is not ...
e - Homework Minutes
e - Homework Minutes

... Therefore, better governance would mean that an investor’s fund would be better used to give excess returns to shareholders. The returns may be in the form of dividends and/or increased market value. In either way, it means that governance achieves this excess by operating performance. Those firms w ...
Conflicts of Interest in the Financial Services Industry
Conflicts of Interest in the Financial Services Industry

... authors to contribute their ideas on a topic so important for the healthy functioning of the world's capital markets. Richard Portes CEPR ...
What are the relevant factors and risk characteristics that determined
What are the relevant factors and risk characteristics that determined

... average effective rents and yields for institutional high quality real estate. The total return series from the National Council of Real Estate Investment Fiduciaries (NCREIF) index consist of data from the U.S. Appraisal based index. NCREIF provides return data if there are more than four property ...
Bonds Payable
Bonds Payable

...  Even if a corporation’s bonds are not callable, the firm can buy back the bonds—all of them, or as many as it can find, on the open market.  Vince Fabrics has $1,000,000 worth of 7 percent bonds outstanding, on which there is an unamortized premium of $30,000. On July 15, Vince Fabrics buys $100, ...
CAPITAL MARKETS PRODUCT RISK BOOK
CAPITAL MARKETS PRODUCT RISK BOOK

... instruments, description of risks, difference between investment and hedging) and summarises the existing MiFID asset classes. Part B describes the Capital Markets Products and their respective characteristics. This Product Risk Book does not constitute investment advice (nor any other advice of wha ...
Liquidity Shocks and the Business Cycle: What next?
Liquidity Shocks and the Business Cycle: What next?

... the amount of trade despite gains from trade. When these shocks are sufficiently strong, they will drive aggregate investment below efficient levels as entrepreneurs will not be able to access enough external financing. These shocks also cause a wedge between the price of capital and its replacement ...
PDF - Deutsche Bank
PDF - Deutsche Bank

... Adjusted for netting of derivatives and certain other components Shareholders’ equity divided by the number of basic shares outstanding (both at period end) Comprises pro-forma fully loaded CET1, plus all current eligible AT1 outstanding (under phase-in). Assumes that new eligible AT1 will be issued ...
Examining the effect of family control on firm value and
Examining the effect of family control on firm value and

... succession in a firm owned and managed by its founder where the founder decides (1) between hiring a professional manager or leaving management to its family and (2) on what fraction of the company to float on the stock exchange. The two paradigms of corporate governance are combined in the single m ...
The Effect of Debt on the Cost of Equity in a Regulatory Setting
The Effect of Debt on the Cost of Equity in a Regulatory Setting

The information content of share repurchases
The information content of share repurchases

... Why do firms repurchase shares: free cash flow or information signaling? We examine UK repurchase execution announcements, which are compulsory and timely disclosures of actual ordinary share repurchases on the London Stock Exchange (LSE). More specifically, we compare the operating performance, ca ...
INFORMATION STATEMENT of BNP Paribas, a French incorporated
INFORMATION STATEMENT of BNP Paribas, a French incorporated

... subordinated debt into equity, and, more generally, ensure that any losses are borne by banks’ shareholders and creditors. These measures, if adopted, may restrict the Bank’s ability to allocate and apply capital and funding resources, limit its ability to diversify risk and increase its funding cos ...
Portugal: JESSICA evaluation study
Portugal: JESSICA evaluation study

... Deloitte refers to one or more of Deloitte Touche Tohmatsu, a Swiss Verein, its member firms, and their respective subsidiaries and affiliates. Deloitte Touche Tohmatsu is an organisation of member firms around the world devoted to excellence in providing professional services and advice, focused on ...
DOC - Investor Relations
DOC - Investor Relations

... Notes to the Consolidated Financial Statements For the years ended December 31, 2012 and 2011 (Expressed in thousands of United States dollars, except share amounts) For contracts and policies written on a losses occurring basis, the risk period is generally the same as the contract or policy term. ...
Do Tests of Capital Structure Theory Mean What They Say? ∗
Do Tests of Capital Structure Theory Mean What They Say? ∗

... cross-sectional tests produce a negative relationship. The basic intuition is simple: in a world of infrequent adjustment, an increase in profitability lowers leverage by increasing future profitability and thus the value of the firm. For one subset of firms an increase in firm value does not lead t ...
File - Amy Toman e
File - Amy Toman e

... company. These ratios help to give understanding to the relationships between financial statements. They also provide historical information, internal strengths and weaknesses, and can be used by investors to compare companies (www.smallbuisness.chron.com). In many ways, the financial ratios are the ...
Ending "Too Big To Fail"
Ending "Too Big To Fail"

... 0.016 in 1999. This increased concentration of financial flows was driven by the Republic of Korea’s biggest chaebols. Firms affiliated with the top five chaebols received 34% of net finance in 1996 and 46% in 1998. Firms affiliated with the largest five chaebols also raised much more bond financing ...
An Equity Valuation and Analysis of Havertys Furniture Companies
An Equity Valuation and Analysis of Havertys Furniture Companies

... statements. Ratios are the key tools used when evaluating a firm’s profitability and growth to find its value. Liquidity ratios measure the firm’s liquid assets used to help pay-off the firms current liabilities. The liquidity ratios are composed of the current ratio, the quick asset ratio, the inve ...
Key Credit Factors For The Regulated Utilities
Key Credit Factors For The Regulated Utilities

... What it means ...
(PPT, 269KB)
(PPT, 269KB)

TSAKOS ENERGY NAVIGATION LTD (Form: 6-K
TSAKOS ENERGY NAVIGATION LTD (Form: 6-K

... The Board has fixed its number at not less than five nor more than fifteen and following the 2008 Annual Meeting will consist of eight directors. Under the Company’s Bye-laws, one third (or the number nearest one third) of the Board (with the exception of any executive director) retires by rotation ...
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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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