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Goldman Sachs Meets Main Street
Bloomberg Businessweek July 2,2018 Goldman Sachs Meets Main Street • Its online lender Marcus aims to be a "teddy bear." But sometimes consumer borrowers end up in a hole they can't get out of Kade Parker had never heard of Goldman Sachs 1 Group Inc. in 2016, when a letter from the bank offering his wife a loan arrived at his house in Hornbeck, La. (population 480). The 27-year- old oil worker had recently taken a pay cut and needed to reduce his monthly credit card bills. After calling to make sure it wasn't a scam, he says he took out a loan for around $15,000. "We were trying to move some money around, make it eas• ier on us," Parker says. "I told them the situation, they said no problem." Then he got laid off, and a year and a half later he filed for bankruptcy, list• ing more than $135,000 in unsecured debt, includ• ing 10 credit cards and loans from online lenders SoFi, Prosper, and Affirm. The Goldman Sachs loan came from Marcus, the online banking business the company started in 2016. Marketing to regular people was a sur• prising shift for Goldman, whose bankers advise on giant corporate mergers, trade for hedge funds, and manage money for multimillionaires. But Marcus has already attracted 1.5 million cus• tomers and made $3 billion in loans. It markets itself with direct mail and jokey commercials that • Number of paint the company as the responsible alternative Marcus customers to credit cards. Onstage at a CB Insights confer• ence on June 20, Harit Talwar, the former Discover 1.5m Financial Services executive hired to run Marcus, was reminded that Goldman Sachs was once com• pared to a "vampire squid" for its financial crisis dealings. -
I Lehman REV007.Indd
CONTROSTORIA Peter Chapman STORIA DELLA LEHMAN BROTHERS 1844-2008 traduzione italiana a cura di Olimpia Ellero A Marie, Alex e Pepito Peter Chapman The last of the Imperious Rich: Lehman Brothers, 1844-2008 © All rights reserved including the right of reproduction in whole or in part in any form. This editions published by arrangement with portfolio an imprint of Penguing Publishing Group a division of Penguin Random House LLC. Peter Chapman Storia della Lehman Brothers, 1844-2008 Prima edizione italiana – Palermo © 2020 Maut Srl – 21 Editore www.21editore.it ISBN 978-88-99470-47-0 Tutti i diritti riservati Immagine di copertina: © iStock - Shallow depth of field close, up of the eagle, from the US Coat of Arms, on a wrinkled, American, one dollar bill. Non essendo stato possibile risalire ai detentori dei diritti sulle immagini qui presenti, Maut srl-21editore resta a disposizione degli aventi diritto. Si può andare avanti per molto tempo accaparrando avidamente, ma prima o poi il punto di rottura è destinato ad arrivare. Herbert Lehman, socio della Lehman Brothers (1908-28), governatore di New York (1933-42), senatore dello Stato di New York (1949-57) Indice Elenco dei personaggi 13 Introduzione all’edizione italiana 17 Introduzione «Dick non guadagnava poi tanto» 21 1 La febbre dell’Alabama 31 2 «È tutto finito» 61 3 La stessa sostanza di cui sono fatti i sogni 95 4 Volare 133 5 La crisi 163 6 Qualche piccola novità, ma meno clamore possibile 205 7 «L’aristocratico degli autocrati» 247 8 I trader 281 9 «Chiamatemi Dick» 319 10 «Per certi versi triste» 357 Nota sulle fonti 405 Note 407 Ringraziamenti 419 Indice analitico 421 Elenco dei personaggi (in ordine di apparizione) Richard S. -
2001 Form 10-K
SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Ñscal year ended November 30, 2001 Commission File Number: 001-14965 The Goldman Sachs Group, Inc. (Exact name of registrant as speciÑed in its charter) Delaware 13-4019460 (State or other jurisdiction of (I.R.S. employer incorporation or organization) identiÑcation no.) 85 Broad Street New York, N.Y. 10004 (Address of principal executive oÇces) (Zip Code) (212) 902-1000 (Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Title of each class: Name of each exchange on which registered: Common stock, par value $.01 per share, and attached New York Stock Exchange Shareholder Protection Rights Medium-Term Notes, Series B, Index-Linked Notes due American Stock Exchange 2002; 0.25% Exchangeable Notes due 2007; Index- Linked Notes due 2004; 1% Exchangeable Notes due 2007; 8% Reset YES Notes due 2002; 0.75% Exchangeable Notes due 2005; 1% Exchangeable Basket-Linked Notes due 2007; 0.25% Exchangeable Equity-Linked Notes due November 1, 2005; 0.25% Exchangeable Equity-Linked Notes due November 7, 2005; and 0.50% Exchangeable Equity-Linked Notes due 2007 Medium-Term Notes, Series B, 2.00% Exchangeable New York Stock Exchange Notes due 2006; 7.35% Notes due 2009; 7.50% Notes due 2005; and 7.80% Notes due 2010 Medium-Term Notes, Series B, Callable Index-Linked Chicago Board Options Exchange Notes due November 23, 2003 and Callable -
Schedule 13D/A
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 8) MoneyGram International, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 60935Y208 (CUSIP Number) David S. Thomas, Esq. Goldman Sachs & Co. LLC 200 West Street New York, New York 10282-2198 (212) 902-1000 With a copy to: Robert C. Schwenkel, Esq. David L. Shaw, Esq. Fried, Frank, Harris, Shriver & Jacobson LLP One New York Plaza New York, NY 10004 (212) 859-8000 (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) July 31, 2020 (Date of Event which Requires Filing of this Statement) If the Reporting Person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Rule 13d-1(e), 13d-1(f) or 13d-1(g), check the following box [ ]. Note: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See §240.13d-7 for other parties to whom copies are to be sent. *The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page. The information required on the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). -
Disseminating Jewish Literatures
Disseminating Jewish Literatures Disseminating Jewish Literatures Knowledge, Research, Curricula Edited by Susanne Zepp, Ruth Fine, Natasha Gordinsky, Kader Konuk, Claudia Olk and Galili Shahar ISBN 978-3-11-061899-0 e-ISBN (PDF) 978-3-11-061900-3 e-ISBN (EPUB) 978-3-11-061907-2 This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. For details go to https://creativecommons.org/licenses/by-nc-nd/4.0/. Library of Congress Control Number: 2020908027 Bibliographic information published by the Deutsche Nationalbibliothek The Deutsche Nationalbibliothek lists this publication in the Deutsche Nationalbibliografie; detailed bibliographic data are available on the Internet at http://dnb.dnb.de. © 2020 Susanne Zepp, Ruth Fine, Natasha Gordinsky, Kader Konuk, Claudia Olk and Galili Shahar published by Walter de Gruyter GmbH, Berlin/Boston Cover image: FinnBrandt / E+ / Getty Images Printing and binding: CPI books GmbH, Leck www.degruyter.com Introduction This volume is dedicated to the rich multilingualism and polyphonyofJewish literarywriting.Itoffers an interdisciplinary array of suggestions on issues of re- search and teachingrelated to further promotingthe integration of modern Jew- ish literary studies into the different philological disciplines. It collects the pro- ceedings of the Gentner Symposium fundedbythe Minerva Foundation, which was held at the Freie Universität Berlin from June 27 to 29,2018. During this three-daysymposium at the Max Planck Society’sHarnack House, more than fifty scholars from awide rangeofdisciplines in modern philologydiscussed the integration of Jewish literature into research and teaching. Among the partic- ipants werespecialists in American, Arabic, German, Hebrew,Hungarian, Ro- mance and LatinAmerican,Slavic, Turkish, and Yiddish literature as well as comparative literature. -
Goldman Sachs Embraces Lending's Bland Side -- WSJ -2- Published May 02, 2017 Dow Jones Newswires
Goldman Sachs Embraces Lending's Bland Side -- WSJ -2- Published May 02, 2017 Dow Jones Newswires The investment bank, seeking growth beyond its elite turf, turns to lending; takeovers to remodels Goldman Sachs Group Inc. earned its elite reputation by dominating the glamorous end of finance -- investment banking, trading and managing money for the wealthy. In the postcrisis world of Wall Street, however, these standbys aren't providing the kind of growth it wants. So Goldman is expanding its reach with a prosaic strategy it once avoided. Lending people money. The firm has been opening its checkbook for the past several years to finance corporate takeovers, lend against mansions and art, and make personal loans for things such as kitchen remodels and fixing broken windshields. It is exploring new credit businesses such as trade finance, equipment leasing and extending credit that consumers use for online purchases, according to people familiar with the discussions. "We're a bank," Chief Executive Lloyd Blankfein said in a February interview. "We should act like one." That Goldman is branching out, aer long sticking to its knitting as rivals diversified, shows the challenges facing Wall Street this decade. Investors have been rewarding firms with diverse businesses that churn out safe, if smaller, profits. Most in the finance industry believe trading revenues will never return to precrisis levels. Goldman ranks among Wall Street's top players in its core businesses, such as advising on corporate mergers and underwriting stock sales, oering little room for growth. In lending, "we can only go up," said Stephen Scherr, who oversees the eort as CEO of Goldman Sachs Bank USA. -
Goldman Sachs Ecosystem New York City, 10005, USA 9212) 902-1000;
Goldman Sachs Group 200 West Street, Manhattan, Goldman Sachs Ecosystem New York City, 10005, USA 9212) 902-1000; www.goldmansachs.com Outside Relationships Goldman Sachs Group, Inc (Delaware Corporation) Outside Relationships Securities Regulators Capital Suppliers Customers Regulation and Customers Suppliers Capital Regulators Debt Structure Equity Structure NYSE Listing Rules Debt: $ 266.4 Billion; Credit Ratings (Long Terms): DBRS (A – High), Fitch (A), Moody’s (A2), R&I (A), S&P (BBB+) Equity Securities Public Debt Bond Financing Dividends and Common Holders Regulators Group Inc. U.S. Group Inc. Non-U.S. Subsidiaries U.S. Subsidiaries Non- Treasury Stock Preferred Stock Common Stock Stock Repurchases Hybrid Financial Commercial Other Unsecured Significant Working Capital Dollar Fixed and Dollar Fixed and Dollar Fixed and U.S. Dollar Fixed Shares Authorized: 605M Shares Authorized: 496,750 Shares Issued: 901.7M Commercial Instruments Paper Short-Term Shareholders US Securities Financing Floating Rate Floating Rate Floating Rate and Floating Rate Shares Held in Treasury: 557.6M Shares Issued: 420,282 Shares Outstanding: 344.1M Equity Capital and Exchange Banks $18.8B $6.1B Borrowings $2.0B Obligations $117.4B Obligations $54.5B Obligations $25.1B Obligations $16.4B Shares Yet to be Repurchased: 49.7M Shares Outstanding: 420,280 Holders: 6,491 Vanguard Commission Trading Group, Inc (Securities Law Regulators (7.03%) Disclosure and Finance Internal Audit Administration Reporting Governance Corporate Matters Requirements; Anti- Budget -
The Goldman Sachs Group, Inc. (Exact Name of Registrant As Specified in Its Charter) Delaware 13-4019460 (State Or Other Jurisdiction of (I.R.S
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended November 30, 2007 Commission File Number: 001-14965 The Goldman Sachs Group, Inc. (Exact name of registrant as specified in its charter) Delaware 13-4019460 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 85 Broad Street 10004 New York, N.Y. (Zip Code) (Address of principal executive offices) (212) 902-1000 (Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Title of each class: Name of each exchange on which registered: Common stock, par value $.01 per share, and attached Shareholder New York Stock Exchange Protection Rights Depositary Shares, Each Representing 1/1,000th Interest in a Share of New York Stock Exchange Floating Rate Non-Cumulative Preferred Stock, Series A Depositary Shares, Each Representing 1/1,000th Interest in a Share of New York Stock Exchange 6.20% Non-Cumulative Preferred Stock, Series B Depositary Shares, Each Representing 1/1,000th Interest in a Share of New York Stock Exchange Floating Rate Non-Cumulative Preferred Stock, Series C Depositary Shares, Each Representing 1/1,000th Interest in a Share of New York Stock Exchange Floating Rate Non-Cumulative Preferred Stock, Series D 5.793% Fixed-to-Floating Rate Normal Automatic Preferred Enhanced New York Stock Exchange Capital Securities of Goldman Sachs Capital -
Document Filed by Ilene Richman
No. 20-222 In the Supreme Court of the United States GOLDMAN SACHS GROUP, INC., ET AL., PETITIONERS v. ARKANSAS TEACHER RETIREMENT SYSTEM, ET AL. ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT JOINT APPENDIX (VOLUME 1; PAGES 1-400) KANNON K. SHANMUGAM THOMAS C. GOLDSTEIN PAUL, WEISS, RIFKIND, GOLDSTEIN & RUSSELL, P.C. WHARTON & GARRISON LLP 7475 Wisconsin Avenue 2001 K Street, N.W. Suite 850 Washington, DC 20006 Bethesda, MD 20814 (202) 223-7300 (202) 362-0636 [email protected] [email protected] Counsel of Record Counsel of Record for Petitioners for Respondents PETITION FOR A WRIT OF CERTIORARI FILED: AUGUST 21, 2020 CERTIORARI GRANTED: DECEMBER 11, 2020 TABLE OF CONTENTS Page VOLUME 1 Court of appeals docket entries (No. 18-3667) ................... 1 Court of appeals docket entries (No. 16-250) ..................... 5 District court docket entries (No. 10-3461) ........................ 8 Goldman Sachs 2007 Form 10-K: Conflicts Warning (D. Ct. Dkt. No. 78-6) .................................................... 23 Goldman Sachs 2007 Annual Report: Business Principles (D. Ct. Dkt. No. 143-16) ............................. 30 Financial Times, Markets & Investing, “Goldman’s risk control offers right example of governance,” Dec. 5, 2007 (D. Ct. Dkt. No. 193-20) .......................... 34 Dow Jones Business News, “13 Reasons Bush’s Bailout Won’t Stop Recession,” Dec. 11, 2007 (D. Ct. Dkt. No. 170-24) ................................................ 37 The Wall Street Journal, “How Goldman Won Big on Mortgage Meltdown,” Dec. 14, 2007 (front page) (D. Ct. Hearing Ex. T) ....................................... 42 The New York Times, Off the Shelf, “Economy’s Loss Was One Man’s Gain,” Dec. -
Sustainable Finance: the Imperative and the Opportunity
SUSTAINABLE FINANCE THE IMPERATIVE AND THE OPPORTUNITY Goldman Sachs 2019 Sustainability Report Goldman Sachs 2019 Sustainability Report CONTENTS 03 INTRODUCTORY LETTER 05 RAISING OUR COMMITMENT, EXECUTING OUR PLAN 10 21 33 ACCELERATING THE DRIVING INCLUSIVE MANAGING CLIMATE TRANSITION GROWTH OUR FIRM 11 Innovative Approach to Financing 22 Driving Financial Inclusion 34 Expanding Diversity and Inclusion, Climate Transition Supporting Our People 24 Advancing Diversity and Inclusion — 14 Deploying Capital to Advance the A Commercial Imperative 37 Enabling Our People to Do Their Best Work Circular Economy 26 Investing in Communities 38 Engaging Our People to Drive Impact 15 Investing to Scale Clean Technologies 27 Innovative Financing Approaches 39 Reducing Our Operational Impacts 16 Sustainable Food and Agriculture 28 Investing in Philanthropy to Drive 43 Managing Risks 17 Differentiated ESG Investing Strategies Global Growth 20 Advancing the Ecosystem 46 METRICS 49 RECOGNITION 51 SASB INDEX 56 TCFD APPENDIX 2 Goldman Sachs 2019 Sustainability Report Introductory Letter (from left to right) John E. Waldron President and Chief Operating Officer David M. Solomon Chairman and Chief Executive Officer Stephen M. Scherr Chief Financial Officer FELLOW SHAREHOLDERS, This report arrives in the midst of crisis. The coronavirus pandemic has already had a devastating impact on societies around the world. We have seen historic levels of jobless claims, record volatility in the markets, and unprecedented disruption to all aspects of our day-to-day lives. While so much remains uncertain about the course of the virus, what is clear is that we will be dealing with its effects for many months, and likely much longer. Crisis periods like these are painful to experience but underscore the importance for all firms of managing across a broad variety of risk factors while advancing long-term opportunities. -
Green Spaces Profile for Manhattan Community Board 1 September 2014
Green Spaces Profile for Manhattan Community Board 1 September 2014 As referenced in the Manhattan Community Board 1 (CB1) District Needs Report for FY 2016, CB1 advocates for a greening strategy for the district that includes green building infrastructure. Overall, this greening strategy should continue the trend of all new and retrofitted buildings, both commercial and residential, are Leadership in Energy and Environmental Design (LEED) rated and/or Energy Star certified. These measures can range from dirty heating oil conversions, white roofs, energy saving systems and other building infrastructure improvements. Projects proposed such as Rebuild by Design’s The Big U and the New York City Economic Development Corporation’s Southern Manhattan Multi-Purpose Levee will certainly help protect and fortify Lower Manhattan from future extreme weather events, but parallel investments in green adjustments and solutions can help minimize the need. In terms of the objective measures of “greenness”, CD1 fares well: the district enjoys a near perfect walkability score, easy access to world-class public transit and green space, and a medium to high rise and high density built environment. Nevertheless, despite the strengths and opportunities that CD1 has enjoyed in terms of greenness, the district still has considerable threats since much of the district lies within the Federal Emergency Management Agency (FEMA)-designated flood zone. Greater measures must be made to fortify CD1 from flooding. One solution to climate change would be to continue investing in the green construction and retrofitting of commercial, residential, and civic buildings. In light of the district’s accomplishments and challenges, this guide documents the state of green spaces within CD1. -
A Brief History of Goldman Sachs
A Brief History of Goldman Sachs Established 1869 In 1869, a German immigrant named Marcus Goldman moved to New York City with his family and opened a one-room basement office next to a coal chute at 30 Pine Street in Lower Manhattan. During a period of tight and expensive bank credit, Goldman offered the local merchants an alternative. He would purchase their promissory notes and then sell the notes to New York’s commercial banks, becoming a pioneer in what became known as the commercial paper business. With the addition of his son-in-law, Samuel Sachs, in 1882, and his son, Henry Goldman, in 1885, Marcus Goldman’s enterprise became a partnership with a new name: Goldman, Sachs & Co. By the time the firm joined the New York Stock Exchange in 1896, Goldman Sachs was a leader in commercial paper sales. As the firm’s clients grew in number, it opened offices in Boston and Chicago (1900), San Francisco (1918), and Philadelphia and St. Louis (1920), becoming a national firm. In 1897, Goldman Sachs established relationships with financial firms in major European capitals, providing an array of services that included foreign exchange, letters of credit, gold shipments and arbitrage. In the early 1900s, as clients increasingly needed larger amounts of long-term capital, the firm began to establish its investment banking business. In two of the firm’s first public transactions— initial stock offerings for General Cigar and Sears Roebuck, both in 1906—Goldman Sachs broke new ground in making equity and debt securities more attractive to investors.