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Financial Statements 2007 Fortis Bank
Financial Statements 2007 Fortis Bank

... Fortis Bank .......................................................................................................................................................................... 7 Board of Directors ................................................................................................ ...
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... In our managing general underwriting business, we provide outsourcing solutions to insurance companies, such as risk selection, premium rating, form design and client service, but we do not assume any underwriting risk. Aon's wholesale brokers and managing general underwriting units offer more than ...
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... being that the donations to a variety of projects may—each individually—be small relative to the company’s assets (Petrovits, 2006; Shapira, 2012).4 There may still be specific disclosure thresholds imposed by stock exchanges or countries.5 In practice, foundations are common across all geographic r ...
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... CDR Master Circular – Updated on March 31, 2009 CDR Core Group at its meeting held on April 21, 2009, approved an updated Master Circular incorporating all revised RBI guidelines relating to restructuring under CDR Mechanism as also all policy decisions taken by CDR Core Group till March 31, 2009. A ...
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... In April 2015, the FASB issued guidance requiring that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of the debt instead of as a separate deferred asset. In addition, guidance was issued to allow for a poli ...
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... may involve known and unknown risks, uncertainties, and assumptions. Forward-looking statements are based on our beliefs, assumptions, and expectations of our future performance, taking into account all information currently available to us. These beliefs, assumptions, and expectations are subject t ...
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... In the rst example, the basic new-Keynesian model is modi ed so as to introduce a supply-side channel for monetary policy which creates the possibility of in ation expectations to lose their anchor even if monetary authorities react aggressively against in ation. When this happens, all variables in ...
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banco de crédito social cooperativo, sa, and its subsidiaries
banco de crédito social cooperativo, sa, and its subsidiaries

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Present value

In economics, present value, also known as present discounted value, is the value of an expected income stream determined as of the date of valuation. The present value is always less than or equal to the future value because money has interest-earning potential, a characteristic referred to as the time value of money, except during times of negative interest rates, when the present value will be greater than the future value. Time value can be described with the simplified phrase, “A dollar today is worth more than a dollar tomorrow”. Here, 'worth more' means that its value is greater. A dollar today is worth more than a dollar tomorrow because the dollar can be invested and earn a day's worth of interest, making the total accumulate to a value more than a dollar by tomorrow. Interest can be compared to rent. Just as rent is paid to a landlord by a tenant, without the ownership of the asset being transferred, interest is paid to a lender by a borrower who gains access to the money for a time before paying it back. By letting the borrower have access to the money, the lender has sacrificed the exchange value of this money, and is compensated for it in the form of interest. The initial amount of the borrowed funds (the present value) is less than the total amount of money paid to the lender.Present value calculations, and similarly future value calculations, are used to value loans, mortgages, annuities, sinking funds, perpetuities, bonds, and more. These calculations are used to make comparisons between cash flows that don’t occur at simultaneous times. The idea is much like algebra, where variable units must be consistent in order to compare or carry out addition and subtraction; time dates must be consistent in order to make comparisons between values or carry out simple calculations. When deciding between projects in which to invest, the choice can be made by comparing respective present values of such projects by means of discounting the expected income streams at the corresponding project interest rate, or rate of return. The project with the highest present value, i.e. that is most valuable today, should be chosen.
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