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Strategic Report 2015
Aviva plc Aviva plc Strategic Report 2015 Strategic Report 2015 Strategic Our33 million customers What’s important and how we help them every step of the way What makes us different? Our strategy in action and the benefits it brings to our customers CUSTOMER FOCUS Read What’s our plan of Anna’s story action? Page 4 How we’re doing – and how we’re going to do better Aviva has thought about Your absolutely Aviva everything Creating a bright and sustainable future for our customers, investors, employees and communities 14.05p Final dividend, a 15% increase £30.7bn Paid out in benefits and claims to our customers in 2015 587,000+ Number of people who have benefited from our corporate responsibility programmes in 2015 320 years Protecting our customers since 1696 29,600 Number of employees worldwide 39% Reduction in our carbon footprint since 2010 Who we are At Aviva, we help our 33 million customers save for the future and manage the risks of everyday life. Our 29,600 people are focused on helping to free our customers from fear of uncertainty Read more on Our businesses pages 30-45 We have businesses across 16 markets in: UK, Europe, Asia and Canada We offer: Life insurance Retirement income, Savings & Pensions, Life cover, Protection General insurance Home, Motor, Travel, Pet and Commercial Accident & health insurance Private Medical Insurance, Accident & Health Asset management Investing for Aviva and external clients 1 Read more on Our performance pages 12-13 Our investment thesis of cash flow plus growth sets out why investors should choose us: £2,665m £1,507m £1,192m Operating profit on Cash remittances up 5%1 Value of new IFRS basis up 20%1,2 business up 19%1 94.6% 50.0% Combined operating Operating expense ratio ratio improved by 1.1pp improved by 1.1pp1,2 1 2015 numbers include Friends Life from 10 April 2015, the acquisition completion date. -
BEST BUY CO., INC. (Exact Name of Registrant As Specified in Its Charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________________________________________ FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended February 1, 2014 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-9595 ________________________________ BEST BUY CO., INC. (Exact name of registrant as specified in its charter) Minnesota 41-0907483 State or other jurisdiction of (I.R.S. Employer incorporation or organization Identification No.) 7601 Penn Avenue South 55423 Richfield, Minnesota (Zip Code) (Address of principal executive offices) Registrant's telephone number, including area code 612-291-1000 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 $.10 per share New York Stock Exchange Securities registered pursuant to Section 12(g) of the Act: None ____________________________________________________________________________ Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. x Yes o No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. o Yes x No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. -
Percy Savage Interviewed by Linda Sandino: Full Transcript of the Interview
IN PARTNERSHIP WITH AN ORAL HISTORY OF BRITISH FASHION Percy Savage Interviewed by Linda Sandino C1046/09 IMPORTANT Please refer to the Oral History curators at the British Library prior to any publication or broadcast from this document. Oral History The British Library 96 Euston Road London NW1 2DB United Kingdom +44 [0]20 7412 7404 [email protected] Every effort is made to ensure the accuracy of this transcript, however no transcript is an exact translation of the spoken word, and this document is intended to be a guide to the original recording, not replace it. Should you find any errors please inform the Oral History curators. THE NATIONAL LIFE STORY COLLECTION INTERVIEW SUMMARY SHEET Ref. No.: C1046/09 Playback No.: F15198-99; F15388-90; F15531-35; F15591-92 Collection title: An Oral History of British Fashion Interviewee’s surname: Savage Title: Mr Interviewee’s forenames: Percy Sex: Occupation: Date of birth: 12.10.1926 Mother’s occupation: Father’s occupation: Date(s) of recording: 04.06.2004; 11.06.2004; 02.07.2004; 09.07.2004; 16.07.2004 Location of interview: Name of interviewer: Linda Sandino Type of recorder: Marantz Total no. of tapes: 12 Type of tape: C60 Mono or stereo: stereo Speed: Noise reduction: Original or copy: original Additional material: Copyright/Clearance: Interview is open. Copyright of BL Interviewer’s comments: Percy Savage Page 1 C1046/09 Tape 1 Side A (part 1) Tape 1 Side A [part 1] .....to plug it in? No we don’t. Not unless something goes wrong. [inaudible] see well enough, because I can put the [inaudible] light on, if you like? Yes, no, lovely, lovely, thank you. -
Case No COMP/M.6314 – Telefónica UK/ Vodafone UK/ Everything Everywhere/ JV
EN This text is made available for information purposes only. A summary of this decision is published in all EU languages in the Official Journal of the European Union. Case No COMP/M.6314 – Telefónica UK/ Vodafone UK/ Everything Everywhere/ JV Only the EN text is authentic. REGULATION (EC) No 139/2004 MERGER PROCEDURE Article 8 (1) Date: 4/09/2012 EUROPEAN COMMISSION Brussels, 4.9.2012 C(2012) 6063 final PUBLIC VERSION COMMISSION DECISION of 4.9.2012 addressed to: - Telefónica UK - Vodafone Group - Everything Everywhere declaring a concentration to be compatible with the internal market and the functioning of the EEA Agreement (Case No COMP/M.6314 – Telefónica UK / Vodafone UK / Everything Everywhere / JV) (Only the EN version is authentic) TABLE OF CONTENTS COMMISSION DECISION addressed to: - Telefónica UK - Vodafone Group - Everything Everywhere declaring a concentration to be compatible with the internal market and the functioning of the EEA Agreement (Case No COMP/M.6314 – Telefónica UK / Vodafone UK / Everything Everywhere / JV) ............................................................................................ 7 1. NOTIFICATION.......................................................................................................... 7 2. THE NOTIFYING PARTIES ...................................................................................... 8 3. THE OPERATION AND THE CONCENTRATION ............................................... 10 4. UNION DIMENSION .............................................................................................. -
Annual-Report-And-Accounts-2019.Pdf
Satisfying the changing needs of our customers Enabling the transition to a lower carbon future Annual Report and Accounts 2019 Group Snapshot Centrica plc is a leading international energy services and solutions provider focused on satisfying the changing needs of our customers and enabling the transition to a lower carbon future. The world of energy is changing rapidly and Centrica is now equipped to help customers transition to a lower carbon future, with capabilities and technologies to allow them to reduce their emissions. Therefore, we announced in July 2019 our intention to complete the shift towards the customer, by exiting oil and gas production. The Company’s two customer-facing divisions, Centrica Consumer and Centrica Business, are focused on their strengths of energy supply and its optimisation, and on services and solutions, with a continued strong focus on delivering high levels of customer service. Centrica is well placed to deliver for our customers, our shareholders and for society. We aim to be a good corporate citizen and an employer of choice. Technology is increasingly important in the delivery of energy and services to our customers. We are developing innovative products, offers and solutions, underpinned by investment in technology. We are targeting significant cost efficiency savings by 2022 to position Centrica as the lowest cost provider in its markets, consistent with our chosen brand positioning and propositions. Alongside our distinctive positions and capabilities, this will be a key enabler as we target -
Social and Religious Jewish Non- Conformity: Representations of the Anglo-Jewish Experience in the Oral Testimony Archive of the Manchester Jewish Museum
SOCIAL AND RELIGIOUS JEWISH NON- CONFORMITY: REPRESENTATIONS OF THE ANGLO-JEWISH EXPERIENCE IN THE ORAL TESTIMONY ARCHIVE OF THE MANCHESTER JEWISH MUSEUM A thesis submitted to the University of Manchester for the degree of Doctor of Philosophy in the Faculty of Humanities 2019 Tereza Ward School of Arts, Languages and Cultures Contents Abbreviations.............................................................................................................. 5 Abstract ....................................................................................................................... 6 Declaration .................................................................................................................. 7 Copyright Statement .................................................................................................. 8 Acknowledgments ...................................................................................................... 9 1. Introduction ...................................................................................................... 10 1.1. The aims of this study .................................................................................. 10 1.2. A Brief history of Manchester Jewry: ‘the community’.............................. 11 1.3. Defining key terms ...................................................................................... 17 1.3.1. Problems with definitions of community and their implications for conformity ......................................................................................................... -
Boston Symphony Orchestra Concert Programs, Season 58,1938-1939
SYMPHONY HALL, BOSTON HUNTINGTON AND MASSACHUSETTS AVENUES Telephone, Commonwealth 1492 FIFTY-EIGHTH SEASON, 1938-1939 CONCERT BULLETIN of the Boston Symphony Orchestra SERGE KOUSSEVITZKY, Conductor Richard Burgin, Assistant Conductor with historical and descriptive notes by John N. Burk COPYRIGHT, 1939, BY BOSTON SYMPHONY ORCHESTRA, ItlC. The OFFICERS and TRUSTEES of the BOSTON SYMPHONY ORCHESTRA, Inc. Ernest B. Dane President Henry B. Sawyer Vice-President Ernest B. Dane Treasurer Henry B. Cabot M. A. De Wolfe Howe Ernest B. Dane Roger I. Lee Alvan T. Fuller Richard C. Paine Jerome D. Greene Henry B. Sawyer N. Penrose Hallowell Edward A. Taft Bentley W. Warren G. E. Judd, Manager C. W. Spalding, Assistant Manager [769] Complete FIDUCIARY SERVICE for INDIVIDUALS The fiduciary services of Old Colony Trust Company available to individuals are many and varied. We cite some of the fiduciary capacities in which we act. Executor and Administrator We settle estates as Executor and Administrator. Trustee We act as Trustee under wills and under voluntary or living trusts. Agent We act as Agent for those who wish to be relieved of the care of their investments. The officers of Old Colony Trust Company are always glad to discuss estate and property matters with you and point out if and where our services are applicable. Old Colony Trust Company 17 COURT STREET, BOSTON Member of the Federal Deposit Insurance Corporation ^Allied withTuE First National Bank ^Boston [770] SYMPHONIANA Carpenter s Violin Concerto The Project for an Academy New England Photographs CARPENTER'S VIOLIN CONCERTO John Alden Carpenter's latest work, his Violin Concerto, will have its first Boston performance when Zlatko Balo- kovic appears as soloist with this or- A Graceful Prelude chestra in the concerts of March 3 and to the Evening Hours is 4. -
Investor Newsletter
Investor newsletter March 2009 From the CEO We feel much happier having Christmas behind us than in front of us: the lack of guidance provided at the interims in November was a true reflection of how difficult we felt it was for us to gauge demand and the health of the consumer. As it turned out, the pattern of the first half of the year continued: we achieved good volume growth and took significant market share, but at the expense of margin. Customers are still out there, but you need to give them a good reason to part with their money, and we did this through a typical Carphone combination of exclusive product and outstanding value for money. The polarisation of the market between high-end “smartphones” and very cheap entry-level handsets has been marked over the last six months. The mobile internet is now really here, not just via USB dongles but also on handsets. This is being driven by WiFi, HSPA and rapidly improving user interfaces. We expect conditions to continue to be tough this year, but one of the bright spots will be the trickle down of these technologies into the middle market, giving that segment a much-needed shot in the arm. At the TalkTalk Group, we have finally been able to move on from fixing the problems of our launch and completing the AOL integration, to concentrate on product and service innovation. Our customers tell us that they only want to pay for what they use, so we have relaunched our proposition offering a range of “booster” services (offering higher speeds, more download capacity and other enhancements) around the core phone-and- broadband tariff. -
CONNECTED SOLUTIONS for a CONNECTED WORLD Carphone Warehouse Group Plc Carphone Annual Report 2012 Report Annual
CONNECTED SOLUTIONS FOR A CONNECTED WORLD Carphone plc Group Warehouse Annual Report 2012 Carphone Warehouse Group plc Annual Report 2012 HARNESSING THE CONNECTED WORLD BY MAKING TECHNOLOGY ACCESSIBLE TO OUR CUSTOMERS Following the Group’s disposal of its interest in Best Buy Mobile and the closure of Best Buy UK, Carphone Warehouse Group now consists of: – CPW EUROPE (50% share) – the largest independent telecommunications retailer in Europe – VIRGIN MOBILE FRANCE (47% share) – the largest MVNO in France – GLOBAL CONNECT – new partnership with Best Buy which aims to replicate the successful Best Buy Mobile model in jurisdictions outside North America and Western Europe – OTHER ASSETS – property, cash and loans receivable with a market value at March 2012 of £201m TURN OVER FOR MORE INFORMATION ABOUT THE CARPHONE WAREHOUSE GROUP CONNECTED SOLUTIONS FOR A CONNECTED WORLD CPW VIRGIN MOBILE EUROPE FRANCE — Joint venture with Best Buy, — Joint venture with Virgin Group, a world‑leading consumer leading experts in developing electronics retailer MVNOs worldwide — Europe’s leading independent — Largest MVNO in France with telecommunications retailer, 1.9m customers, of whom operating in eight countries approximately 70% are postpay across Western Europe — Strong brand with innovative — Specialist advice in areas of propositions and high levels product and service complexity of customer service — Customer‑focused, with a demonstrated track record of high quality service — Approximately 2,400 stores and a well developed online proposition Headline -
Merrill Document Readback
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended February 28, 2009 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 1-9595 BEST BUY CO., INC. (Exact name of registrant as specified in its charter) Minnesota 41-0907483 State or other jurisdiction of (I.R.S. Employer incorporation or organization Identification No.) 7601 Penn Avenue South 55423 Richfield, Minnesota (Zip Code) (Address of principal executive offices) Registrant’s telephone number, including area code 612-291-1000 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 $.10 per share New York Stock Exchange Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. ⌧ Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ⌧ No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. -
Stock Market Simulation
Project Number: DZT 0905 STOCK MARKET SIMULATION An Interactive Qualifying Project Report: Submitted to the Faculty of WORCESTER POLYTECHNIC INSTITUTE in partial fulfillment of the requirements for the Degree of Bachelor of Science By Brandon Rubadou _____________________________ Carl Anderson _____________________________ Daniel Metcalf _____________________________ Jacob Loitherstein _____________________________ Richard Wingert _____________________________ William Callaway _____________________________ Approved by Professor Dalin Tang, Project Advisor ___________________________________________ i Abstract Through the use of tools and resources available from the internet as well as text and media references, a team of six people conducted an eleven-week stock-market simulation to investigate the validity and success of different trading strategies in the stock market. In the project group members selected companies to follow and trade based on how the company projected earnings. This required extensive research into the companies’ history and recent movements. The group found that all of the methods tested were adequate in producing returns but one method that followed Livermore’s Principals of investing was far superior to all of the others. The experience gained throughout this project will allow the group to become more competent investors in the future. ii Table of Contents ABSTRACT .................................................................................................................................II TABLE OF CONTENTS -
Austerity Fashion 1945-1951 Bethan Bide .Compressed
Austerity Fashion 1945-1951 rebuilding fashion cultures in post-war London Bethan Bide Royal Holloway, University of London Thesis submitted for the degree of Doctor of Philosophy Figure 1: Second-hand shoes for sale at a market in the East End, by Bob Collins, 1948. Museum of London, IN37802. 2 Declaration of authorship I Bethan Bide hereby declare that this thesis and the work presented in it is entirely my own. Where I have consulted the work of others, this is always clearly stated. Bethan Bide 8 September 2017 3 Abstract This thesis considers the relationship between fashion, austerity and London in the years 1945 to 1951—categorised by popular history as a period of austerity in Britain. London in the late 1940s is commonly remembered as a drab city in a state of disrepair, leading fashion historians to look instead to Paris and New York for signs of post-war energy and change. Yet, looking closer at the business of making and selling fashion in London, it becomes clear that, behind the shortages, rubble and government regulation, something was stirring. The main empirical section of the thesis is divided into four chapters that explore different facets of London’s fashionable networks. These consider how looking closely at the writing, making, selling and watching of austerity fashion can help us build a better understanding of London fashion in the late 1940s. Together, these chapters reveal that austerity was a driving force for dynamic processes of change— particularly in relation to how women’s ready-to-wear fashions were made and sold in the city—and that a variety of social, economic and political conditions in post- war Britain changed the way manufacturers, retailers and consumers understood the symbolic capital of London fashion.