DOCSLIB.ORG

The Digital Banking Club to Understand and Discuss the Future of Mobile and Online Financial Services

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

PRIVATE BANKER June 2015 Issue 321 www.privatebankerinternational.com Champion's league Honouring winners of the PBI Awards: London 2015 • PBI Conference: London 2015 • World Wealth Report 2015 • Country survey: UK • PBI Greater China Awards: Winners PBI 320.indd 1 03/07/2015 10:21:26 Intelligent Environments in association with Retail Banker International, Cards International and Electronic Payments International Join thousands of financial services professionals who have joined The Digital Banking Club to understand and discuss the future of mobile and online financial services Join now and receive* 10% discount on delegate passes for Europe’s leading conferences and awards: 10% discount on subscriptions to leading global briefing services: Retail Banker International Cards International Electronic Payments International Private Banker International Leasing Life 10% discount on subscriptions to intelligence Join the club for free services: Cards & Payments Intelligence Center www.thedigitalbankingclub.com Retail Banking Intelligence Center WealthInsight For more information please email PLUS 10% discount on expert research reports and research consultancy [email protected] mentioning MEMBER OFFER in the subject line * Available to new customers only PBI 320.indd 2 03/07/2015 10:21:26 DBCad draft 2.indd 1 30/05/2014 11:22:43 Private Banker International EDITOR’S LETTER ANALYSIS Intelligent Environments in association with Retail Banker International, CONTENTS Wake up and smell the competition Cards International and Electronic Payments International NEWS e it while attending any industry event tile grounds for these firms, as there is a large 2,10: NEWS DIGEST or interviewing senior private banking mass-affluent population that traditional pri- 3: NEWS BRIEFS executives – the one topic of conversa- vate banks won’t service. There is a gap in the Join thousands of financial services professionals who have joined The Digital Banking 9: PBI AWARDS: LONDON 2015 - WINNERS tion that continues to dominate is the market that robo-advisors seem to be filling. B However, these automated advisory services importance of digitisation in wealth manage- Club to understand and discuss the future of mobile and online financial services 9: PBI GREATER CHINA AWARDS 2015 - WINNERS ment. The importance of real-time customer cannot be ignored in Europe either, with the servicing, access to granular data and a range UK itself having witnessed the rise of players 16: TECHNOLOGY UPDATE of effective digital tools that empower both such as Nutmeg over the last three years. The 17: REGULATION ROUND-UP relationship managers as well as clients is WWR findings also show that Asia Pacific 19: PEOPLE MOVES paramount. HNWIs (excluding Japan) actually had the At the PBI Conference: London 2015 earlier highest propensity to use automated services ANALYSIS in June (pgs 4-8) the technology and digital at 76.3%, while only 19.3% of the wealth trends focus prevailed the entire day and came managers in the region assessed so. 3: WEALTHINSIGHT up in one way or another during all four ses- It is also clear that it is not simply the mil- 18: LIQUIDITY PROFILES sions. lennials who want to use these digital entrants Conversations about digitisation and auto- and HNWIs who have existing private bank- FEATURE mation do lead to talks about the rise of the ing relationships are also keen to try them out. automated advisory services or robo-advisors. EY's recent report, Advice goes virtual: how 4-8: PBI CONFERENCE: LONDON 2015 The private banking and wealth management new digital investment services are changing The 2nd annual PBI Conference: London community is experiencing the growth of these the wealth management landscape, also reiter- 2015 saw some of the leading experts in the private banking and wealth management alternative players that allow wealthy individ- ates that digital entrants cannot be ignored by industry come together on 3 June. uals a fast, low-cost, DIY approach towards traditional players. Distinguished industry experts discussed investing and managing their portfolios. The WWR recommends a hybrid approach a wide range of pivotal topics, including UK’s position as a global wealth hub and Despite their increasing popularity, the in the future to allow both digitised servicing the integration of digital services in the standard answer one hears from traditional opportunities while having a wealth manager industry. John Schaffer provides an overview wealth managers is that these services are good at the core of the relationship. Some firms are options for wealthy clients, but they pose as paying attention. Hargreaves Lansdown, for 12-13: WORLD WEALTH REPORT 2015 ‘no real competition’, and that there is no sub- instance, plans to launch its own online advi- Join now and receive* The year 2014 has been a modest one for growth, globally, in the number of high net stitute to human contact. Fair enough. sory service and move towards a hybrid busi- 10% discount on delegate passes for Europe’s leading conferences and awards: worth individuals and their wealth. The latest However, the recent World Wealth Report ness model. World Wealth Report 2015, by Capgemini 2015 (pgs 12,13) by Capgemini and Royal However, the robo-advisory community and Royal Bank of Canada, provides details Bank of Canada reveals some interesting should motivate wealth managers to stay 10% discount on subscriptions to leading global briefing services: around geographical performances, behavioural shifts as well as investment insights about the rise of automated advisory on top of their game. The stark differences Retail Banker International inclinations and trends. Meghna Mukerjee solutions and how they are being perceived between HNWIs’ propensity to use auto - explores the findings Cards International by both wealth managers and high net worth mated advisory services and wealth managers’ individuals (HNWIs). assessment of the same – as shown through the Electronic Payments International COUNTRY SURVEY Clearly, wealth managers across the world WWR findings – should come as a wakeup call are grossly underestimating the lure of auto- for wealth managers across the globe, espe- Private Banker International 15: UK mated advisory solutions as well as HNWIs’ cially those that have been brushing digital Leasing Life The number of HNWIs continues to grow in the UK, providing a captive market for the inclinations towards using them. entrants off with that familiar ‘no real compe- private banking and wealth management Companies such as Wealthfront and SigFig tition’ statement. 10% discount on subscriptions to intelligence Join the club for free industry. Amidst tighter regulatory in the US have made big headways. The robo- controls, the UK is still amongst the most advisory concept mainly emerged out of Sili- Meghna Mukerjee services: favourable locations for the wealthy to seek [email protected] www.thedigitalbankingclub.com management of their assets. John Schaffer con Valley entrepreneurship and the US is fer- Cards & Payments Intelligence Center looks further into statistics provided by the Retail Banking Intelligence Center WealthInsight database WealthInsight COMMENT For more information please email PLUS 10% discount on expert research reports and 20: WITHERS CONSULTING GROUP Ken McCracken, founder and consultant at research consultancy Withers Consulting Group, comments on [email protected] succession planning Follow Private Banker International mentioning MEMBER OFFER in the subject line Search for ‘Private Banker International Search for @BankerNews – Timetric Financial Services’ * Available to new customers only www.privatebankerinternational.com June 2015 y 1 PBI 320.indd 1 03/07/2015 10:21:28 DBCad draft 2.indd 1 30/05/2014 11:22:43 Private Banker International NEWS DIGEST STRATEGY the FOX Business Network has adding advice around the recent region who might not cross the Swiss bank Reyl & reported. pension changes.” Victoria Harbor to invest. Cie looking to double Had the deal materialised, UBS Wealth Management assets by 2020 it would have lead to the PRODUCTS AND SERVICES regional market manager for addition of over 7,000 brokers New British private Hong Kong, Jean-Claude Swiss private lender Reyl & to Morgan Stanley, creating a bank Hampden & Co Humair, said: "For us it's more Cie is planning to expand its wealth management firm larger opens for business of a strategic decision to go international footprint and than Bank of America's Merrill to Kowloon to focus on the increase in its assets under Lynch. Hampden & Co, the UK's first entrepreneur and to show this management by 50-100% over UBS has not declared that its new private bank in 30 years, important group of prospective the next five years, according to brokerage division is for sale, has formally commenced busi- clients that we want to come Reuters. but talks have been going on ness in Edinburgh and London. your way." "We are working on a 2016- as the Swiss bank is looking The private bank was The bank will look to hire 2020 plan which involves to overhaul and trim its US established in 2010 by former new client advisers besides getting our assets under operations. chairman of Adam & Company to re-locating existing staff management significantly Ray Entwistle, under the name to support its presence in north of 15bn, so we still have STRATEGY Scoban in 2010. It was renamed Kowloon. strong ambitions," Reyl & Cie Former Brewin in April following specialist UBS will also hire
Recommended publications
  • Banks List (May 2011)

    Banks List (May 2011)

    LIST OF BANKS AS COMPILED BY THE FSA ON 31 MAY 2011 This list of banks is intended to be used solely as a guide. The FSA does not warrant, nor accept any responsibility for the accuracy or completeness of the list or for any loss which may arise from reliance by any person on information in the list. (Amendments to the List of Banks since 30 April 2011 can be found on page 6) Banks incorporated in the United Kingdom Abbey National Treasury Services plc DB UK Bank Limited ABC International Bank plc Dunbar Bank plc Access Bank UK Limited, The Duncan Lawrie Ltd Adam & Company plc Ahli United Bank (UK) plc EFG Private Bank Ltd Airdrie Savings Bank Egg Banking plc Aldermore Bank Plc European Islamic Investment Bank Plc Alliance & Leicester plc Europe Arab Bank Plc Alliance Trust Savings Ltd Allied Bank Philippines (UK) plc FBN Bank (UK) Ltd Allied Irish Bank (GB)/First Trust Bank - (AIB Group (UK) plc) FCE Bank plc Alpha Bank London Ltd FIBI Bank (UK) plc AMC Bank Ltd Anglo-Romanian Bank Ltd Gatehouse Bank plc Ansbacher & Co Ltd Ghana International Bank plc ANZ Bank (Europe) Ltd Goldman Sachs International Bank Arbuthnot Latham & Co, Ltd Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Ltd Banc of America Securities Ltd Bank Leumi (UK) plc Habib Allied International Bank plc Bank Mandiri (Europe) Ltd Habibsons Bank Ltd Bank of Beirut (UK) Ltd Hampshire Trust plc Bank of Ceylon (UK) Ltd Harrods Bank Ltd Bank of China (UK) Limited Havin Bank Ltd Bank of Ireland (UK) Plc HFC Bank Ltd Bank of London and The Middle East plc HSBC Bank
  • Kion Group Ag 2016 [Pdf, 1.4

    Kion Group Ag 2016 [Pdf, 1.4

    A NEW ERA This annual report is available in German and English. Only the content of the German version is authoritative. KION GROUP AG, Wiesbaden STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2016 € Notes 31/12/2016 31/12/2015 A. Non-Current Assets (3) Property, plant and equipment 145,428.39 216,259.58 Investments in affiliated companies 4,474,412,891.16 2,005,932,650.00 4,474,558,319.55 2,006,148,909.58 B. Current Assets I. Receivables and other assets (4) 1. Receivables from affiliated companies 965,752,435.23 243,601,512.08 2. Receivables from related companies 174,664.14 0.00 3. Other assets 8,119,209.80 5,205,087.06 974,046,309.17 248,806,599.14 II. Credit balances with banks 56,715,095.93 12,203.61 Total assets 5,505,319,724.65 2,254,967,712.33 € Notes 31/12/2016 31/12/2015 A. Equity (5) I. Subscribed capital 108,790,000.00 98,900,000.00 Treasury shares -164,486.00 -160,050.00 Issued capital 108,625,514.00 98,739,950.00 II. Capital reserves 2,465,553,486.47 2,015,727,529.03 III. Retained earnings 139,053,326.98 9,903,326.98 IV. Distributable profit 129,236,004.00 76,100,000.00 2,842,468,331.45 2,200,470,806.01 B. Provisions 1. Retirement benefit obligation (6) 20,319,088.00 13,515,388.00 2. Tax provisions 4,138,079.75 54.49 3.
  • GL FULL V2 R3.Pdf

    GL FULL V2 R3.Pdf

    會籍詳情 Membership details: 貴為Citibank信用卡尊貴客戶，您特別獲邀成為Gourmet Pleasures Plus會員— 於2014年7月至2015年6月期間，您可於城中超過50間優質食府盡享低至7折及其他美饌優惠。 會籍 會費 Membership Membership Fee As a premium Citibank Credit Cardholder, you are cordially invited to join 星級 HK$2,800 Gourmet Pleasures Plus today and savor dining discounts of up to 30%, plus other privileges Superior 尊尚 at over 50 prestigious restaurants throughout the city from July 2014 till June 2015. Premium HK$1,000 會籍名額只限5,000！Membership quota is limited to 5,000! 請即致電 申請，盡享優越餐饗禮遇！ Please call 8228 2626 to apply for membership now and experience a taste of class and privilege! 星級及尊尚會籍： 星級會籍： Superior & Premium Membership: Superior Membership: 晚市主餐牌7折* 全日消費每滿HK$2,000可享HK$400現金禮券^ 30% off dinner à la carte menu* All-day offer of HK$400 in Cash Coupons for every HK$2,000 spent^ 全日消費每滿HK$2,000可享HK$600現金禮券^ All-day offer of HK$600 in Cash Coupons for every HK$2,000 spent^ 香港君悅酒店旗下： Affiliated to Grand Hyatt Hong Kong: 全日主餐牌85折# 15% off all day à la carte menu# 港島香格里拉大酒店旗下： 香港旺角朗豪酒店旗下： Affiliated to Island Shangri-La, Hong Kong: Affiliated to Langham Place, Mongkok, Hong Kong: * 優惠只適用於兩位或以上惠顧。每次單一簽賬最高可享HK$1,000折扣。 ^ 現金禮券將於消費後兩個月內寄到主卡客戶之通訊地址，並適用於下次惠顧時使用。每次單一簽賬最高可獲HK$1,200現金禮券。 Offer is only applicable to patronage of two persons or more. Each single transaction can receive a maximum of HK$1,000 discount. Cash Coupons will be mailed to the Principle Cardholder’s correspondence address within two months of the transaction date, and are applicable to next purchase. Each single transaction can receive a maximum of HK$1,200 in Cash Coupons. # 優惠只適用於兩位或以上惠顧。每次午市單一簽賬最高可享HK$500折扣，晚市單一簽賬最高可享HK$1,000折扣。 Offer is only applicable to patronage of two persons or more.
  • Annual Review 2018 About Us Our Purpose Is to Help Britain Prosper

    Annual Review 2018 About Us Our Purpose Is to Help Britain Prosper

    Lloyds Banking Group Annual Review 2018 About us Our purpose is to Help Britain Prosper. We are the largest UK retail financial services provider with around 26 million customers and a presence in nearly every community. We are transforming the business into The Group’s main business activities are retail and commercial banking, general a digitised, simple, low risk, financial insurance and long-term savings, provided under well recognised brands including Lloyds Bank, Halifax, Bank of Scotland and services provider whilst creating a Scottish Widows. Our shares are quoted on the London responsible business that focuses on and New York stock exchanges and we are one of the largest companies in the customers’ needs. This is key to our FTSE 100 index. long-term success and to fulfilling Reporting Just as we operate in an integrated way, our aim to become the best bank for we aim to report in an integrated way. customers, colleagues and shareholders. We have taken further steps towards this goal this year. As well as reporting our Business model on financial results, we also report on our pages 10 to 11 approach to operating responsibly and take into account relevant economic, political, social, regulatory and environmental factors. This Annual Review contains forward looking statements with respect to certain of the Group’s plans and its current goals and expectations relating to its future financial condition, performance, results, strategic initiatives and objectives. For further details, reference should be made to the forward looking statements on page 45. This icon appears throughout Inside this year’s Annual Review this report highlighting how we are Helping Britain Prosper.
  • The Globalization of Chinese Food ANTHROPOLOGY of ASIA SERIES Series Editor: Grant Evans, University Ofhong Kong

    The Globalization of Chinese Food ANTHROPOLOGY of ASIA SERIES Series Editor: Grant Evans, University Ofhong Kong

    The Globalization of Chinese Food ANTHROPOLOGY OF ASIA SERIES Series Editor: Grant Evans, University ofHong Kong Asia today is one ofthe most dynamic regions ofthe world. The previously predominant image of 'timeless peasants' has given way to the image of fast-paced business people, mass consumerism and high-rise urban conglomerations. Yet much discourse remains entrenched in the polarities of 'East vs. West', 'Tradition vs. Change'. This series hopes to provide a forum for anthropological studies which break with such polarities. It will publish titles dealing with cosmopolitanism, cultural identity, representa­ tions, arts and performance. The complexities of urban Asia, its elites, its political rituals, and its families will also be explored. Dangerous Blood, Refined Souls Death Rituals among the Chinese in Singapore Tong Chee Kiong Folk Art Potters ofJapan Beyond an Anthropology of Aesthetics Brian Moeran Hong Kong The Anthropology of a Chinese Metropolis Edited by Grant Evans and Maria Tam Anthropology and Colonialism in Asia and Oceania Jan van Bremen and Akitoshi Shimizu Japanese Bosses, Chinese Workers Power and Control in a Hong Kong Megastore WOng Heung wah The Legend ofthe Golden Boat Regulation, Trade and Traders in the Borderlands of Laos, Thailand, China and Burma Andrew walker Cultural Crisis and Social Memory Politics of the Past in the Thai World Edited by Shigeharu Tanabe and Charles R Keyes The Globalization of Chinese Food Edited by David Y. H. Wu and Sidney C. H. Cheung The Globalization of Chinese Food Edited by David Y. H. Wu and Sidney C. H. Cheung UNIVERSITY OF HAWAI'I PRESS HONOLULU Editorial Matter © 2002 David Y.
  • List of British Entities That Are No Longer Authorised to Provide Services in Spain As from 1 January 2021

    List of British Entities That Are No Longer Authorised to Provide Services in Spain As from 1 January 2021

    LIST OF BRITISH ENTITIES THAT ARE NO LONGER AUTHORISED TO PROVIDE SERVICES IN SPAIN AS FROM 1 JANUARY 2021 Below is the list of entities and collective investment schemes that are no longer authorised to provide services in Spain as from 1 January 20211 grouped into five categories: Collective Investment Schemes domiciled in the United Kingdom and marketed in Spain Collective Investment Schemes domiciled in the European Union, managed by UK management companies, and marketed in Spain Entities operating from the United Kingdom under the freedom to provide services regime UK entities operating through a branch in Spain UK entities operating through an agent in Spain ---------------------- The list of entities shown below is for information purposes only and includes a non- exhaustive list of entities that are no longer authorised to provide services in accordance with this document. To ascertain whether or not an entity is authorised, consult the "Registration files” section of the CNMV website. 1 Article 13(3) of Spanish Royal Decree-Law 38/2020: "The authorisation or registration initially granted by the competent UK authority to the entities referred to in subparagraph 1 will remain valid on a provisional basis, until 30 June 2021, in order to carry on the necessary activities for an orderly termination or transfer of the contracts, concluded prior to 1 January 2021, to entities duly authorised to provide financial services in Spain, under the contractual terms and conditions envisaged”. List of entities and collective investment
  • Order Execution Policy Client Summary

    Order Execution Policy Client Summary

    Order Execution Policy Client Summary The information below provides a summary of Brown Shipley’s The relative importance of each factor is determined by taking into Order Execution Policy. The document is designed to provide clients account the following: with a general understanding of Brown Shipley’s typical dealing • The characteristics of the client order arrangements and explains how we at Brown Shipley meet our • The characteristics of the Financial Instrument concerned by the regulatory obligation to take all sufficient steps to obtain the best order possible result when executing orders, otherwise known as ‘best execution’. Brown Shipley’s approach is underpinned by our core • The characteristics of the brokers and /or execution venues to principles to treat clients fairly and act in accordance with the best which that order can be directed. interests of our clients. If specific instructions are provided directly from clients that affect Further details about Brown Shipley’s Order Execution Policy will be Brown Shipley’s application of the above execution factors, the provided upon request. instruction will be respected and in some cases, this may prevent all elements of this policy being followed. Dealing Arrangements for custody clients Where clients have a custody agreement with Brown Shipley, assets Asset types are held to the order of Brown Shipley. As part of that agreement, The dealing processes vary depending on the type of asset being a group wide trading, settlement and custody platform is in place. traded, a summary of the relevant information for each asset type As a result, the execution of all orders for these clients has been is provided below: outsourced to an agency broker, currently Brown Shipley’s parent Equities and exchange traded funds company KBL European Private Bankers (KBL), who route these to Orders for these asset types will be routed to the agency broker.
  • List of PRA-Regulated Banks

    List of PRA-Regulated Banks

    LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 2nd December 2019 (Amendments to the List of Banks since 31st October 2019 can be found below) Banks incorporated in the United Kingdom ABC International Bank Plc DB UK Bank Limited Access Bank UK Limited, The ADIB (UK) Ltd EFG Private Bank Limited Ahli United Bank (UK) PLC Europe Arab Bank plc AIB Group (UK) Plc Al Rayan Bank PLC FBN Bank (UK) Ltd Aldermore Bank Plc FCE Bank Plc Alliance Trust Savings Limited FCMB Bank (UK) Limited Allica Bank Ltd Alpha Bank London Limited Gatehouse Bank Plc Arbuthnot Latham & Co Limited Ghana International Bank Plc Atom Bank PLC Goldman Sachs International Bank Axis Bank UK Limited Guaranty Trust Bank (UK) Limited Gulf International Bank (UK) Limited Bank and Clients PLC Bank Leumi (UK) plc Habib Bank Zurich Plc Bank Mandiri (Europe) Limited Hampden & Co Plc Bank Of Baroda (UK) Limited Hampshire Trust Bank Plc Bank of Beirut (UK) Ltd Handelsbanken PLC Bank of Ceylon (UK) Ltd Havin Bank Ltd Bank of China (UK) Ltd HBL Bank UK Limited Bank of Ireland (UK) Plc HSBC Bank Plc Bank of London and The Middle East plc HSBC Private Bank (UK) Limited Bank of New York Mellon (International) Limited, The HSBC Trust Company (UK) Ltd Bank of Scotland plc HSBC UK Bank Plc Bank of the Philippine Islands (Europe) PLC Bank Saderat Plc ICBC (London) plc Bank Sepah International Plc ICBC Standard Bank Plc Barclays Bank Plc ICICI Bank UK Plc Barclays Bank UK PLC Investec Bank PLC BFC Bank Limited Itau BBA International PLC Bira Bank Limited BMCE Bank International plc J.P.
  • Masters Finance Guide Example

    Masters Finance Guide Example

    MASTERS Banking, Finance and Investment Companies – April 2020 Recruitment Guide Company Index CLICK on the company name to be taken to the appropriate document. Societe Generale Mediobanca Banking Standard Chartered M.M. Warburg ABN AMRO Holding NV Standard Life Moelis & Co. ANZ Banking The Bank of Tokyo- Mitsubishi UFJ Morgan Stanley Banco Santander Ltd Needham & Company LLC Bank of America NA The Royal Bank of Scotland Nomura Bank of China Limited UBS Oppenheimer Bank for International Settlements UniCredit SpA Perella Weinburg Partners Bank of Nova Scotia Wells Fargo Bank NA Piper Jaffray Bank of Scotland Investment Banks Robert W Baird Barclays Rothschild APP Securities BayernLB Torreya Partners B. Riley FBR Inc. BNP Paribas Vermilion Bank of America Merrill Lynch China Construction Bank WR. Hambrecht & Co. Barclays Capital Citibank Blackstone Group Clydesdale Bank Private Equity Firms Brown Shipley Commerzbank AG 3i Group Cain Brothers Commonwealth Bank Abraaj Group Capstone Partners Co-operative Banking Group Advent International CIBC Credit Agricole AlpInvest Partners Close Brothers Credit Suisse Group Apax Partners CLSA Danske Bank A/S Apollo Cowen Group Deutsche Bank AG AXA Investment Managers Evercore Partners Dexia Group Bain Capital Foros HSBC Bank plc Bridgepoint Capital Goldman Sachs HypoVereinsbank Charterhouse Capital Partners Greenhill Industrial & Commercial Bank of Cerberus Capital Management Houlihan Lokey China Limited Cinven Investec ING Bank NV CVC Capital Partners ITG Itaú Unibanco Fortress Janney Intesa Sanpaolo Spa General Atlantic Jefferies J.P. Morgan Oaktree Keefe, Bruyette & Woods Lloyds Banking Group Permira Lazard Rabobank Terra Firma Capital Partners Lincoln International Royal Bank of Canada The Carlyle Group Marathon Capital Sberbank of Russia TPG Capital Workmaze Limited Office B, Business Centre West, Avenue 1, Letchworth, Hertfordshire, SG6 2HB, UK Registered in England: Company Registration No.
  • Financial Report Kirk Beauty One Gmbh Th As at September 30 2015

    Financial Report Kirk Beauty One Gmbh Th As at September 30 2015

    Financial Report Kirk Beauty One GmbH th as at September 30 2015 Financial Report – Important Notice | 1 Content Important Notice .............................................................................................. 2 Disclosure Regarding Forward-Looking Statements ........................................... 3 Risk Factors ...................................................................................................... 5 Management’s Discussion and Analysis of Financial Condition and Results of Operations ..................................................................................................... 34 Business ......................................................................................................... 60 Management ................................................................................................. 91 Description of Certain Financing Arrangements .............................................. 93 Certain Definitions ......................................................................................... 98 Unaudited Pro Forma Financial Information ................................................. 101 Consolidated Financial Statements ................................................................ F-1 Consolidated Statement of Comprehensive Income F-2 Consolidated Balance Sheet F-4 Statement of Changes in Group Equity F-6 Consolidated Cash Flow Statement F-8 Segment Reporting F-9 Notes to the Consolidated Financial Statements F-11 The consolidated statements have been prepared in millions
  • The Inventory of the Michael Douglas Collection #1839

    The Inventory of the Michael Douglas Collection #1839

    The Inventory of the Michael Douglas Collection #1839 Howard Gotlieb Archival Research Center Douglas, Michael #1839 3/31/16, 4/7/16 Preliminary Listing I. Wardrobe. A. Costumes. Box 1-2 1. “The American President.” Box 3-8 2. “Behind the Candelabra.” Box 9 3. “Disclosure.” 4. “A Perfect Murder.” 5. “Romancing The Stone.” Box 9-14 6. “The Game.” Box 15-20 7. “The In-Laws.” Box 21-25 8. “It Runs In The Family.” Box 26 9. “Jewel Of The Nile.” Box 27-32 10. “Traffic.” Box 33-37 11. “Wonder Boys.” Box 38 12. “Wall Street.” B. Hanging Costumes. Pkg. 1-2 1. “The American President.” Pkg. 3-35 2. “Behind the Candelabra.” Pkg. 36-57 3. “The Game.” Pkg. 58-78 4. “The In-Laws.” Pkg. 79-116 5. “It Runs In The Family.” Pkg. 117 6. “Wall Street.” Box 39-56 C. Personal. Pkg. 118-124 D. Hanging Personal. II. Printed Materials. A. Files. Box 57-88 1. Clippings (not on their spreadsheets). Box 88 2. General. B. Blueprints/Maps. C. Internet printouts. D. Postcards. Box 89-91 E. Magazines. Box 92-94 F. Programs. Box 95 G. Newspapers. Box 95-96 H. Reviews. Box 96 I. Clippings. J. Booklets. K. Pamphlets. L. Fliers. Box 97 M. Posters. Pkg. 125-141 N. Oversized posters. Douglas, Michael (3/31/16, 4/7/16) Page 1 of 46 III. Film and Video. Box 98-131 A. VHS. Box 131 B. 8 mm cassettes. C. Mini-DVs. Box 132 D. DV-Cams. Box 133 E. DVDs. Box 134 F.
  • Policies What Banks Say About Financing Nuclear Weapons

    Policies What Banks Say About Financing Nuclear Weapons

    Chapter 6 Policies What Banks Say about Financing Nuclear Weapons any financial institutions apply ethical standards – such as the UN Principles for Responsible Investment – when deciding how to invest their funds. These Mstandards take into account environmental, social and corporate governance factors. This chapter examines selected institutions’ policies on financing nuclear weapons. Investing in companies that manufacture and arms, they must adopt more stringent policies that modernize nuclear weapons is a grave breach of exclude the financing of nuclear weapons companies ethical investment norms, as nuclear weapons are altogether. The existing policies of some financial illegal to use and cause catastrophic humanitarian and institutions have little if any practical effect. environmental harm. Some financial institutions, in addition to maintaining general policies on ethical or Policies Examined sustainable investment, specifically state that they will In this chapter, we examine the nuclear weapons not invest in nuclear armaments. policies of 14 mainstream banks, asset managers However, as this chapter shows, their policies and pension funds in nine countries. Only two of on nuclear weapons investments often fall short of them – Rabobank and PGGM – were found not to imposing a blanket ban on the financing of nuclear invest substantively in any of the 20 nuclear weapons weapons companies. For example, some banks rule companies studied. The policies here provide a out providing loans specifically for nuclear weapons snapshot of financial institutions’ nuclear weapons projects, but they are willing to provide loans to stances, not an exhaustive list. Selection of the nuclear arms makers for general purposes. financial institutions was based on a desire to show a All nuclear weapons companies are engaged diversity of institutions from a diversity of nations.