Ally Financial Inc. ( GOM ) 10−K
... over 2,100 employees that support our North American servicing operations. We manage commercial account servicing for over 5,000 dealers in the United States that utilize our floorplan inventory lending or other commercial loans. In the United States and Canada, we provide consumer asset servicing f ...
... over 2,100 employees that support our North American servicing operations. We manage commercial account servicing for over 5,000 dealers in the United States that utilize our floorplan inventory lending or other commercial loans. In the United States and Canada, we provide consumer asset servicing f ...
2016-17 Convergence Programme for the United Kingdom
... services output increasing 2.9%, construction 1.5% and production 1.2%. Private business surveys suggest that all sectors have continued to expand in the early months of 2017. 1.5 Household consumption accounted for 65% of GDP in 2016 and growth has remained strong, increasing to 3.0% last year. Co ...
... services output increasing 2.9%, construction 1.5% and production 1.2%. Private business surveys suggest that all sectors have continued to expand in the early months of 2017. 1.5 Household consumption accounted for 65% of GDP in 2016 and growth has remained strong, increasing to 3.0% last year. Co ...
KANSAS CITY SOUTHERN
... going to be as a result of its own financial creativity and not with the help of the U.S. government. Ironically, it was that stark reality which actually gave birth to our “can do” spirit at KCS, and over the years the Company has never shied away from a challenge. Funding was sought and received by ...
... going to be as a result of its own financial creativity and not with the help of the U.S. government. Ironically, it was that stark reality which actually gave birth to our “can do” spirit at KCS, and over the years the Company has never shied away from a challenge. Funding was sought and received by ...
Conservatism in Accounting
... conservatism itself. Conservatism reserves the use of the term for the balance sheet and for income or earnings cumulated since the firm began operation. Conservatism’s influence on accounting practice has been both long and significant. Basu (1997, p. 8) argues that conservatism has influenced acco ...
... conservatism itself. Conservatism reserves the use of the term for the balance sheet and for income or earnings cumulated since the firm began operation. Conservatism’s influence on accounting practice has been both long and significant. Basu (1997, p. 8) argues that conservatism has influenced acco ...
united states securities and exchange commission ally
... we revise the projected value of the leased vehicle at lease termination. Our actual sales proceeds from remarketing the vehicle may be higher or lower than the estimated residual value. Automotive manufacturers may elect as a marketing incentive to sponsor special financing programs for retail sale ...
... we revise the projected value of the leased vehicle at lease termination. Our actual sales proceeds from remarketing the vehicle may be higher or lower than the estimated residual value. Automotive manufacturers may elect as a marketing incentive to sponsor special financing programs for retail sale ...
Essays on Capital Structure Stability - cerge-ei
... Capital structure choice is an important decision for a firm. It is important not only from a returns maximization point of view, but also because this decision has a great impact on a firm’s ability to successfully operate in a competitive environment. Current literature has suggested a number of f ...
... Capital structure choice is an important decision for a firm. It is important not only from a returns maximization point of view, but also because this decision has a great impact on a firm’s ability to successfully operate in a competitive environment. Current literature has suggested a number of f ...
The Economic Importance of Financial Literacy
... portfolio allocation across safe bonds and risky stocks, allowing for the acquisition of human capital in the form of financial knowledge (à la Ben-Porath, 1967, and Becker, 1975). This work posits that individuals will optimally elect to invest in financial knowledge so as to gain access to higher- ...
... portfolio allocation across safe bonds and risky stocks, allowing for the acquisition of human capital in the form of financial knowledge (à la Ben-Porath, 1967, and Becker, 1975). This work posits that individuals will optimally elect to invest in financial knowledge so as to gain access to higher- ...
QUALITATIVE AND QUANTITATIVE ANALYSIS OF INDITEX
... The firm considers the customer service as an important factor. For that reason, Inditex has professionals who attend customers with problems by phone, e-mail or webpage. In 2011, Inditex responded to almost 172.000 enquiries, 40% more than the previous year and it had few relative complaints (one c ...
... The firm considers the customer service as an important factor. For that reason, Inditex has professionals who attend customers with problems by phone, e-mail or webpage. In 2011, Inditex responded to almost 172.000 enquiries, 40% more than the previous year and it had few relative complaints (one c ...
Հավելված N 1
... (iii) have sufficient financial resources and liquidity to bear all of the risks of an investment in the Notes, including where the currency for principal or interest payments is different from its currencies; (iv) understand thoroughly the terms of the Notes and be familiar with the behaviour of an ...
... (iii) have sufficient financial resources and liquidity to bear all of the risks of an investment in the Notes, including where the currency for principal or interest payments is different from its currencies; (iv) understand thoroughly the terms of the Notes and be familiar with the behaviour of an ...
FORM 10-K - cloudfront.net
... This Annual Report on Form 10-K contains forward-looking statements which reflect management's expectations regarding our future growth, results of operations, operational and financial performance and business prospects and opportunities. These forward looking statements are within the meaning of S ...
... This Annual Report on Form 10-K contains forward-looking statements which reflect management's expectations regarding our future growth, results of operations, operational and financial performance and business prospects and opportunities. These forward looking statements are within the meaning of S ...
as a PDF
... createdwhen the pension is createdshouldreducecorporateequity values. But since the NIPAsavingmeasuredoes not includecapitalgains,this effect is not included. ...
... createdwhen the pension is createdshouldreducecorporateequity values. But since the NIPAsavingmeasuredoes not includecapitalgains,this effect is not included. ...
Joint Center for Housing Studies Harvard University
... that triggered and then prolonged the ensuing recession.5 As home prices dropped, more and more homeowners fell into negative equity when the balances on their mortgages came to exceed the value of their homes. Previously, during the housing boom, many of these households had taken out subprime or e ...
... that triggered and then prolonged the ensuing recession.5 As home prices dropped, more and more homeowners fell into negative equity when the balances on their mortgages came to exceed the value of their homes. Previously, during the housing boom, many of these households had taken out subprime or e ...
Financing Patterns of European SMEs
... economy, contributing to job creation and economic growth. In 2013, more than 21.5m of SMEs in the European Union made for more than 99% of all non-financial enterprises, employed almost 89m people (67% of total employment), and generated 58% of total added value. However, access to finance is more ...
... economy, contributing to job creation and economic growth. In 2013, more than 21.5m of SMEs in the European Union made for more than 99% of all non-financial enterprises, employed almost 89m people (67% of total employment), and generated 58% of total added value. However, access to finance is more ...
CITIGROUP`S 2007 ANNUAL REPORT ON FORM 10-K
... Markets & Banking business, which was significantly affected by write-downs related to direct subprime exposures, including CDOs, leveraged lending, and by significantly higher credit costs in our U.S. Consumer business. In 2007, Citigroup earned $3.6 billion from continuing operations on revenues o ...
... Markets & Banking business, which was significantly affected by write-downs related to direct subprime exposures, including CDOs, leveraged lending, and by significantly higher credit costs in our U.S. Consumer business. In 2007, Citigroup earned $3.6 billion from continuing operations on revenues o ...
ROADRUNNER TRANSPORTATION SYSTEMS - corporate
... suite of services, add new service offerings, and extend our geographic reach. Our LTL delivery agents also present an opportunity for growth via acquisition. If we decide to offer outbound LTL service from a new strategic location, we could potentially acquire one of our delivery agents. With a sca ...
... suite of services, add new service offerings, and extend our geographic reach. Our LTL delivery agents also present an opportunity for growth via acquisition. If we decide to offer outbound LTL service from a new strategic location, we could potentially acquire one of our delivery agents. With a sca ...
Our responsible growth strategy is delivering strong, consistent, high
... grew revenue, reduced expenses, managed risks and continued to invest in our workforce and our capabilities. We also made steady progress relative to our long-term financial goals (return on tangible common equity of 12 percent and a return on assets of 1 percent). Our return on tangible common equi ...
... grew revenue, reduced expenses, managed risks and continued to invest in our workforce and our capabilities. We also made steady progress relative to our long-term financial goals (return on tangible common equity of 12 percent and a return on assets of 1 percent). Our return on tangible common equi ...
Consumption Commitments: Neoclassical Foundations for Habit
... the portfolio choice and consumption decision of an individual who has neoclassical preferences over the two components of consumption. To make the model analytically tractable, we assume that consumers have separable, constant elasticity of substitution preferences. We consider two types of adjustm ...
... the portfolio choice and consumption decision of an individual who has neoclassical preferences over the two components of consumption. To make the model analytically tractable, we assume that consumers have separable, constant elasticity of substitution preferences. We consider two types of adjustm ...
SECURITIZATION AND MORAL HAZARD: EVIDENCE FROM A
... Until quite recently, the widespread securitization of mortgage loans was considered a boon to homebuyers and investors alike. Whereas traditionally a lending bank would make a loan and retain it on its balance sheet, with securitization it could sell that loan to a secondary market buyer that would ...
... Until quite recently, the widespread securitization of mortgage loans was considered a boon to homebuyers and investors alike. Whereas traditionally a lending bank would make a loan and retain it on its balance sheet, with securitization it could sell that loan to a secondary market buyer that would ...
The Impact of the Credit Crunch in Wiltshire
... The intelligence gathering exercise to support this study has attempted to forge further INTEGRATION by using Assembly members, their organisations and their networks to gain information about the varied impacts of the ‘credit crunch’ on the people, businesses and communities of Wiltshire. It is hop ...
... The intelligence gathering exercise to support this study has attempted to forge further INTEGRATION by using Assembly members, their organisations and their networks to gain information about the varied impacts of the ‘credit crunch’ on the people, businesses and communities of Wiltshire. It is hop ...
Balance of Payments and International Investment Position
... Remaining Maturity of Debt Liabilities to Nonresidents Memorandum/Supplementary Items: Position Data ...
... Remaining Maturity of Debt Liabilities to Nonresidents Memorandum/Supplementary Items: Position Data ...
The Evolution and Determinants of the Turkish Saving Rate
... The Turkish private saving rate has declined over time and is currently low in international comparisons, in particular relative to developing Asia. This paper provides an update and extension of an earlier ERF paper on the same topic, based on 3 additional years of household survey data and revised ...
... The Turkish private saving rate has declined over time and is currently low in international comparisons, in particular relative to developing Asia. This paper provides an update and extension of an earlier ERF paper on the same topic, based on 3 additional years of household survey data and revised ...
Accessing and sustaining private rental tenancies: critical life events
... in Australia (HILDA) Survey. The HILDA Project was initiated and is funded by the Australian Government Department of Social Services (DSS) and is managed by the Melbourne Institute of Applied Economic and Social Research (Melbourne Institute). The findings and views reported in this paper, however, ...
... in Australia (HILDA) Survey. The HILDA Project was initiated and is funded by the Australian Government Department of Social Services (DSS) and is managed by the Melbourne Institute of Applied Economic and Social Research (Melbourne Institute). The findings and views reported in this paper, however, ...
StrategyCEE Q315
... The European Central Bank (ECB) will continue its quantitative easing programme at full strength in the months ahead. Despite this, yields in the euro area increased sharply, and this was also felt on the Central and Eastern European capital markets. Compared to three months ago, yields on long-date ...
... The European Central Bank (ECB) will continue its quantitative easing programme at full strength in the months ahead. Despite this, yields in the euro area increased sharply, and this was also felt on the Central and Eastern European capital markets. Compared to three months ago, yields on long-date ...
Household debt
Household debt is defined as the amount of money that all adults in the household owe financial institutions. It includes consumer debt and mortgage loans. A significant rise in the level of this debt coincides historically with many severe economic crises and was a cause of the U.S. and subsequent European economic crises of 2007–2012. Several economists have argued that lowering this debt is essential to economic recovery in the U.S. and selected Eurozone countries.