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Form 10-Q - T-Mobile Investor Relations
Form 10-Q - T-Mobile Investor Relations

... effective for T-Mobile beginning January 1, 2016. The implementation of this standard is not expected to have a significant impact on T-Mobile’s consolidated financial statements. In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers.” The standard requires entities to rec ...
QUALITATIVE AND QUANTITATIVE ANALYSIS OF INDITEX
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 ...
BFC FINANCIAL CORP (Form: 10-K, Received: 04
BFC FINANCIAL CORP (Form: 10-K, Received: 04

... originating commercial real estate and business loans, and consumer and small business loans, (iii) purchasing wholesale residential loans from third parties, and (iv) making other investments in mortgage-backed securities, tax certificates and other securities. BankAtlantic is regulated and examine ...
Balance of Payments Manual
Balance of Payments Manual

... Because of the important relationship between external and domestic economic developments, timely, reliable, and comprehensive balance of payments statistics based on an appropriate and analytically oriented methodology are an indispensable tool for economic analysis and policy making. Indeed, with ...
2015 annual report
2015 annual report

... approximately 3,300 beds in the states of New South Wales, Queensland, and Victoria. During 2015, GEO Australia continued to work on the development of a new 1,300bed prison in Ravenhall, a locality near Melbourne, in partnership with the Department of Justice in the State of Victoria. This largesca ...
Ashmore Emerging Markets Liquid Investment Portfolio Ashmore
Ashmore Emerging Markets Liquid Investment Portfolio Ashmore

Thematic Review on mortgage Underwriting and Origination Practices
Thematic Review on mortgage Underwriting and Origination Practices

... public disclosure of information concerning the health of their mortgage market, including underwriting practices and market trends, encompassing all mortgage market participants (see section 4). Although limited, disclosure of underwriting practices tends to be more prominent in jurisdictions with ...
Feasibility Study For Commercial Cleaning Cooperative In
Feasibility Study For Commercial Cleaning Cooperative In

... performance record in the local market. The employment of public housing residents might also unlock cleaning service opportunities with HUD-financed properties. Still, initial job creation is likely to be small, and the company’s impact as a development strategy may be insufficient to gain the seri ...
The Term Structure of Money Market Spreads
The Term Structure of Money Market Spreads

... the parties involved in short- vs. longer-term contracts might differ. High-default institutions could show up for longer-term loans, while low-default institutions show up for short-term loans.2 This implies that the OIS is a derivative that has as the basis a short-term rate for low-default instit ...
Word - corporate
Word - corporate

... AMD's expectation that it will deliver higher 2016 annual revenue based on stronger demand for AMD semi-custom solutions and Polaris GPUs; AMD's ability to accelerate growth as it introduces new high-performance computing and graphics products in 2017; and AMD's plans to further reduce its debt by d ...
BLOUNT INTERNATIONAL INC (Form: 10-K
BLOUNT INTERNATIONAL INC (Form: 10-K

... We operate in two primary business segments: the Forestry, Lawn, and Garden (“FLAG”) segment and the Farm, Ranch, and Agriculture (“FRAG”) segment. The FLAG segment manufactures and markets cutting chain, guide bars, and drive sprockets for chain saw use, and lawnmower and other cutting blades for o ...
Introduction to Credit Risk Modeling, An
Introduction to Credit Risk Modeling, An

... of a loss protection in terms of an insurance, as one knows it from car or health insurances. Moreover, history shows that even good customers have a potential to default on their financial obligations, such that an insurance for not only the critical but all loans in the bank’s credit portfolio mak ...
QUESTIONS
QUESTIONS

... statements, which are stated in terms of historical cost and nominal dollars. The figure can be misleading because fair values may differ substantially from book figures. Answer (A) is incorrect. Market price may be more or less than book value. Answer (C) is incorrect. Fair value may be more accura ...
Citigroup HSBC Santander
Citigroup HSBC Santander

Financial Distress and Divorce: Evidence from Bankruptcy
Financial Distress and Divorce: Evidence from Bankruptcy

... financial policy can affect social outcomes, and in particular, for highlighting the role of credit in marital decisions. The theoretical framework outlines three possible mechanisms through which financial laws may affect divorce rates. First, when exemption levels are large, filing debtors have gr ...
CBO Long-Term Budget Outlook March 2017
CBO Long-Term Budget Outlook March 2017

... would change if four key inputs—labor force participation, productivity in the economy, interest rates on federal debt, and health care costs per person—were higher or lower than their levels in the extended baseline. Other factors—such as an economic depression, a major war, or unexpected changes i ...
Changing the savings culture.ALP Team3
Changing the savings culture.ALP Team3

... Some of the key determinants identified were GDP growth, specifically unemployment; demographics including income levels, income inequality and poverty; Access to credit and the impact of household consumption and debt-to-income ratios; and widespread levels of financial illiteracy in South Africa. ...
CNMV - Ibercaja
CNMV - Ibercaja

... defined in the Conditions) on 28 July 2025. The Notes may be redeemed at the option of the Issuer at any time in whole, but not in part, at their Outstanding Principal Amount (as defined in the Conditions), and subject as provided in the Conditions, in particular to the previous consent of the Regul ...
Why Do SMEs Use Informal Credit? A Comparison between Countries
Why Do SMEs Use Informal Credit? A Comparison between Countries

... data from India, Bell (1990) shows that interest rates are set higher in informal credit markets due to the higher risk levels of borrowers, higher costs of entry for new informal creditors, and, thus, lower competition on the supply side of the informal credit market, which increases the price of i ...
ZEBRA TECHNOLOGIES CORP (Form: 10-K, Received
ZEBRA TECHNOLOGIES CORP (Form: 10-K, Received

... our products and services globally through a direct sales force and extensive network of channel partners. We provide products and services in over 170 countries, with approximately 120 facilities and 6,500 employees worldwide. Through innovative application of our technologies, we are leading an ev ...
Analysing and Decomposing the Sources of Added
Analysing and Decomposing the Sources of Added

... visibility than sovereign bond markets. ...
The Dark Side of Universal Banking: Financial Conglomerates and
The Dark Side of Universal Banking: Financial Conglomerates and

... their success in establishing leadership positions in many sectors of the financial markets. During the past two decades, as explained in Parts II.A. and II.B., governmental policies in the U.S., U.K. and Europe encouraged massive consolidation and conglomeration within the financial services indust ...
Presentation By Ambuja Cement
Presentation By Ambuja Cement

BEA Union Investment Series Product Key Facts
BEA Union Investment Series Product Key Facts

... the performance of other securities. If the counterparties of these instruments default, the Sub-Fund could suffer substantial losses. In addition, the counterparties with which the Sub-Fund effects transactions cease making markets or quoting prices in certain of the instruments, the Sub-Fund may b ...
Credit ratings and credit risk: Is one measure enough?
Credit ratings and credit risk: Is one measure enough?

... investors are interested in ratings and why variation in borrowing cost is strongly related to rating: investors care both about expected payo¤ and about risk premia. This paper adds to a growing literature that evaluates the ability of ratings to predict default, beginning with Hickman (1958). Some ...
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Debt

A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value.
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