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Annual Report 2012 NSI NV
annual report 2012 NSI N.V. annual report 2012 NSI N.V. 3 annual report NSI 2012 This version of NSI’s annual report is a translation of the original Dutch version. Although this English version has been compiled with the utmost care, in case of discrepancies between the English and the Dutch version, the Dutch version will prevail. Colofon This annual report is a publication by NSI. NSI Kruisweg 661-665 t +31 20 76 30 300 2132 NC Hoofddorp f +31 20 25 81 123 P.O. Box 3044 [email protected] 2130 KA Hoofddorp www.nsi.nl Editing and texts NSI Concept and design Bfocussed, Rotterdam Illustrations and icons Bfocussed, Rotterdam Prints Zwarthoed, Volendam Paper This publication is printed on PEFC certified paper. For additional information about NSI: www.nsi.nl 4 General data Supervisory Board H. Habas, chairman H.J. van den Bosch, secretary H.W. Breukink G.L.B. de Greef W.M. Steenstra Toussaint Management Board J. Buijs, ceo D.S.M. van Dongen, cfo General Meeting of Shareholders The General Meeting of Shareholders will be held on Friday 26 April 2013 at 10:30 am in Theatre Het Park, Westerdijk 4 in Hoorn. The agenda fort his meeting is available from the company. Financial Calendar 2013 AGM 26 April 2013 Publication first quarter results 2013 17 May 2013 Publication first half year results 2013 9 Augustus 2013 Publication third quarter results 2013 8 November 2013 Interim-dividends payments 2013 * Setting of final dividend for 2012 26 April 2013 Listing ex-dividend 30 April 2013 Payment of final dividend for 2012 8 May 2013 Setting of Q1 2013 interim -
2018 Annual Report WHERE YOU CAN FIND MORE INFORMATION Annual Report
2018 Annual Report WHERE YOU CAN FIND MORE INFORMATION Annual Report https://www.ge.com/investor-relations/annual-report Sustainability Website https://www.ge.com/sustainability FORWARD-LOOKING STATEMENTS Some of the information we provide in this document is forward-looking and therefore could change over time to reflect changes in the environment in which GE competes. For details on the uncertainties that may cause our actual results to be materially different than those expressed in our forward-looking statements, see https://www.ge.com/ investor-relations/important-forward-looking-statement-information. We do not undertake to update our forward-looking statements. NON-GAAP FINANCIAL MEASURES We sometimes use information derived from consolidated financial data but not presented in our financial statements prepared in accordance with U.S. generally accepted accounting principles (GAAP). Certain of these data are considered “non-GAAP financial measures” under the U.S. Securities and Exchange Commission rules. These non-GAAP financial measures supplement our GAAP disclosures and should not be considered an alternative to the GAAP measure. The reasons we use these non-GAAP financial measures and the reconciliations to their most directly comparable GAAP financial measures are included in the CEO letter supplemental information package posted to the investor relations section of our website at www.ge.com. Cover: The GE9X engine hanging on a test stand at our Peebles Test Operation facility in Ohio. Here we test how the engine’s high-pressure turbine nozzles and shrouds, composed of a new lightweight and ultra-strong material called ceramic matrix composites (CMCs), are resistant to the engine’s white-hot air. -
Annual Report 2020
ANNUAL REPORT 2020 Content Profile 3 Statement from the board 5 Developments in the payment system 8 Activities Activities: Point-of-sale payment system 11 Activities: Online payments 14 Activities: Giro-based payments 18 Activities: Stability of Payment Chains 23 Activities: Security in the payment system 25 Appendices Appendix: Board and management 30 Appendix: Governance 31 Appendix: List of members 33 2 Annual Report 2016 Profile The payment system is the bloodstream of our economy, has many stakeholders and is of great social importance. Therefore it has the characteristics of a utility. The many parties involved, the many relevant laws and regulations, the requirements for high quality, new technological possibilities and the high number of transactions make the payment system complex and dynamic. Transparency, openness, accessibility and dialogue with all stakeholders are important prerequisites in the payment system. The Dutch Payments Association organizes the collective tasks in the Dutch payment system for its members. Our members provide payment services on the Dutch market: banks, payment institutions and electronic money institutions. The shared tasks for infrastructure, standards and common product features are assigned to the Payments Association. We aim for a socially efficient, secure, reliable and accessible payment system. To this end, we deploy activities that are of common interest to our members. We are committed, meaningful and interconnecting in everything we do, to unburden our members where and when possible. We engage representatives of end users in the payment system, including businesses and consumers. On behalf of our members, we are visibly involved and accessible and we are socially responsible. -
De Tweede Wereldoorlog Een Totale Oorlog in Nieuwe Historische Kaders 450
Inhoud Redactioneel 448 Kees Ribbens Global dimensions van de Tweede Wereldoorlog Een totale oorlog in nieuwe historische kaders 450 Karel Davids De Tweede Wereldoorlog: een breuk in de economische ontwikkeling in de wereld? 464 Remco Raben De Tweede Wereldoorlog in Indonesië als een geschiedenis van beweging en begrenzing 476 Tijdschrift voor Geschiedenis - 122e jaargang, nummer 4 Floris Vletter De Bataafse Burgermacht als bolwerk der vrijheid De politieke en militaire betekenis van een burgerschapsideaal 492 Wouter Groot en Karel Dibbets Welke Slag aan de Somme? Oorlog en neutraliteit in Nederlandse bioscopen, 1914-1918 508 Maar ten Van Ginderachter Het vaderland vanuit kikker- perspectief Recent Belgisch en Nederlands onderzoek naar natievorming tijdens de lange negentiende eeuw 522 Anneleen Arnout Lieux de mémoire Erfgoed en geschiedenis 538 Summaries 550 Recensies 552 Tijdschrift voor Geschiedenis - 122e jaargang, nummer 4 448 Redactioneel Terwijl de 65-jarige bevrijding van opeenvol- Op mondiaal niveau zijn deze en soortge- gende delen van Nederland wordt herdacht, lijke vragen niet minder relevant. Dat hangt weerklinkt hier en daar de gedachte dat ‘de deels samen met het gegroeide besef van glo- oorlog’ nu met pensioen gaat. Inderdaad balisering, een fenomeen dat ook de blik van neemt de temporele afstand tot de Tweede historici beïnvloedt. Naarmate de geschiedwe- Wereldoorlog toe. Maar een aanzienlijke tenschap beter zicht krijgt op deze historische vermindering van de nog altijd ruime belang- ontwikkeling blijkt de toegenomen internatio- stelling voor dit wereldwijde conflict lijkt op nale verwevenheid op uiteenlopende terreinen korte termijn onwaarschijnlijk. Evenwel blijkt een langere en minder eenduidige geschiede- de blik waarmee deze oorlog wordt bezien nis te hebben dan veelal wordt aangenomen. -
Download PDF Van Tekst
In het land der blinden Willem Oltmans bron Willem Oltmans, In het land der blinden. Papieren tijger, Breda 2001 Zie voor verantwoording: http://www.dbnl.org/tekst/oltm003inhe01_01/colofon.php © 2015 dbnl / Willem Oltmans Stichting 2 voor Jozias van Aartsen Willem Oltmans, In het land der blinden 7 1 Start Op 10 augustus 1953 besteeg ik voor het eerst de lange trappen naar de bovenste verdieping van het gebouw van het Algemeen Handelsblad aan de Nieuwezijds Voorburgwal in Amsterdam om mijn leven als journalist te beginnen. Chef van de redactie buitenland was dr. Anton Constandse. Van 1946 tot en met 1948 had ik de opleiding voor de diplomatieke dienst gevolgd van het Nederlands Opleidings Instituut voor het Buitenland (NOIB) op Nijenrode. Van 1948 tot en met 1950 volgde ik op het Yale College in New Haven, Connecticut, de studie Political Science and International Relations. Inmiddels 25 jaar geworden twijfelde ik steeds meer aan een leven als ambtenaar van het Ministerie van Buitenlandse Zaken. Was ik niet een te vrijgevochten en te zelfstandig denkende vogel om zonder tegensputteren of mokken braaf Haagse opdrachten uit te voeren waar ik het wellicht faliekant mee oneens zou zijn? Van een dergelijke incompatibilité d'humeurs zou immers alleen maar gedonder kunnen komen. Op het Yale College had ik in dit verband al het een en ander meegemaakt. In 1949 was ik tot praeses van de Yale International Club gekozen, een organisatie voor de in New Haven studerende buitenlandse studenten. Nederland knokte in die dagen onder de noemer van ‘politionele acties’ tegen Indonesië. Ik nodigde ambassadeur F.C.A. -
The Dutch Revolution of 1795 and the History of Republicanism Wyger RE
Much in Little Revisited: The Dutch Revolution of 1795 and the History of Republicanism Wyger R.E. Velema, Department of History, University of Amsterdam Paper prepared for the conference ‘The Republican Tradition: From the Hanseatic League to the Era of the Enlightenment’, European University at St. Petersburg, December 7-9, 2012 Not to be quoted or cited without permission from the author It is more than half a century ago that R.R. Palmer, who was soon to become famous with his magisterial work The Age of the Democratic Revolution, introduced an international scholarly audience to the Dutch revolution of 1795, also known as the Batavian revolution. In his pioneering article ‘Much in Little: the Dutch Revolution of 1795’, he pointed out that the fall of the Dutch ancien régime and the revolutionary transformation of the Netherlands that followed this downfall could best be understood as part of an international and interlinked series of revolutionary events.1 On a small scale, the Batavian revolution therefore could serve to ‘illuminate the whole complex of war and revolution which then gripped the Western world’.2 As he made abundantly clear in the title of his later magnum opus, Palmer had a relatively simple and straightforward view of the struggles that tore the Western world of the late eighteenth century apart. Just as democracy had been at issue in the Dutch revolution of 1795, the whole European and American world of the final decades of the century of Enlightenment saw the rise of a new and historically unprecedented democratic opposition against all sorts of aristocratic ‘constituted bodies’. -
Does Ownership Have an Effect on Accounting Quality?
Master Degree Project in Accounting Does Ownership have an Effect on Accounting Quality? Andreas Danielsson and Jochem Groenenboom Supervisor: Jan Marton Master Degree Project No. 2013:14 Graduate School Abstract Research on accounting quality in banks has evolved around the manipulation of the Loan Loss Provision and has been discussed in terms of earnings management and income smoothing. Key variables used to explain the manipulation of Loan Loss Provisions have been investor protection, legal enforcement, financial structure and regulations. This study will extend previous research by investigating the effect of state, private, savings and cooperative ownership on accounting quality. In this study data from more than 600 major banks were collected in the European Economic Area, covering annual reports between 2005 and 2011. Similar to prevalent research, the Loan Loss Provision is used as a central indicator of accounting quality. In contrast to existent literature, accounting quality is not explained by the manipulation of the Loan Loss Provision in terms of income smoothing or earnings management. Instead, accounting quality is addressed in terms of validity and argued to be an outcome of the predictive power of the Loan Loss Provision in forecasting the actual outcome of credit losses. The findings of this study confirm that ownership has an effect on accounting quality. All but one form of ownership investigated showed significant differences. State ownership was found to have a positive effect on accounting quality, both in comparison to private banks and all other banks. On the other hand, savings ownership was shown to have a negative impact on accounting quality compared to private and other banks. -
PRO-AM GOLF TOURNAMENT the Mayfield Sand Ridge Club • Monday, June 28, 2021
42nd Annual Ronald McDonald House PRO-AM GOLF TOURNAMENT The Mayfield Sand Ridge Club • Monday, June 28, 2021 Presented by Truline Industries “If you look back at what’s happened in the ensuing years...when we opened our doors through to the adding of all the programs and touching of lives we’ve been through. It makes you feel good that you’ve got some value out of your life and what you’ve done.” MIKE CLEGG 1938-2021 Northeast Ohio Keeping families close® Ronald McDonald House Charities® of Northeast Ohio 42ND ANNUAL PRO-AM GOLF TOURNAMENT Presented by Truline Industries The Ronald McDonald House® Pro-Am Tournament is the longest-running and most successful fundraising event in the history of the Ronald McDonald House of Cleveland, now Ronald McDonald House Charities of Northeast Ohio. This event helps RMHC NEO enhance the healthcare experience for thousands of families and children each year through comfort, care and supportive services. Our sincere thanks to our generous sponsors. PRESENTING SPONSOR UNDERWRITING SPONSORS www.RMHCneo.org Make a difference with us today. Dear Friends, Today is a special day because of a special man. Mike Clegg touched so many lives with his love of life, devotion to family and friends, and of course…his passion for the Ronald McDonald House. Mike’s passion, and now his legacy, was born out of a challenging time in 1977 when his young son, Scotty, was battling leukemia. It was a time when this special man was quoted as saying “No family should go through this.” Scotty eventually beat leukemia, but Mike knew there were still plenty of families battling similar life- changing challenges. -
Stress Testing Governance, Risk Analytics and Instruments European Dr
VISIT OUR WEBSITE: www.flemingeurope.com “Linking the credit and liquidity risks” EXPERT ADVISORY BOARD nd ANNUAL DR. ANDREA BURGTORF Deutsche Bank, Germany, Head of Stress Testing HOP Governance, Risk Analytics and Instruments EUROPEAN S DR. LINda SLEDDENS Aegon Bank, Netherlands Senior Financial Risk Manager SUsaNNE HUGHES & WORK Lloyds Banking Group, UK STRess CE Senior Manager Stress Testing N PETER QUEll E R DZ Bank, Germany, Head of Portfolio Modelling E for Market and Credit Risk TESTING EXCLUSIVE SPEAKER PANEL CONF HEIKO HEssE for Banks IMF, USA, Economist, Monetary and Capital Markets Department 23-24 October 2013, Netherlands IaIN DE WEYMARN Bank of England, UK, Head of Banking System Division, Financial Stability Radisson Blu Hotel Amsterdam CAROLINE LIESEGANG EBA, UK, Senior Stress Testing Expert JEROME HENRY CONFERENCE & WORKSHOP ECB, Germany, Head of Financial Stability Assessment Division 2 Market conditions are in turmoil and a regulatory or risk management JAVIER VIllaR BURKE no one can be sure of the reaction. perspective. Moreover, you will be European Commission – DG ECFIN One of the ways of calming things able to benchmark your processes Statistical Officer down is reassuring the Financial and methodologies with your peers, environment about your ability regulators and gather diversity of ALEXANDER VasYUTOVIch to react promptly, safeguard your insights for your internal processes Promsvyazbank, Russia, Co-Chief Risk Officer clients’ interests and cope with improvement. Head of Financial and Retail Risk Management liquidity squeeze during stressed PETER QUEll periods. By incorporating stress To practice your stress testing DZ Bank, Germany, Head of Portfolio Modeling testing into your risk management techniques, we have prepared an for Market and Credit Risk methodologies, you are taking one intensive hands-on workshop called of the more important steps of doing Scenario Analysis in Stress Ewa RENZ so. -
1 0 0 0 C O M P a N Ie S T O in S P Ir E Eu R O
1000 COMPANIES TO INSPIRE EUROPE INSPIRE TO COMPANIES 1000 2017 Our sponsors In association with www.1000companies.com LSEG London Stock Exchange Group Editorial Board Lauren Crawley-Moore (Head of Marketing Campaigns & Events); Alexandra Ritterman (Press Officer); Carolina Avanzini (Elite Growth Europe Associate); Damilola Alli (Marketing Associate) Contents Research & data verification and company profile editorial Business for Growth Ltd (organisers of the European Business Awards) Forewords www.businessawardseurope.com 4 A strengthened Capital Markets Union 58 Backing Europe’s SMEs to focus on the EU’s underperforming Michael Collins, CEO, Invest Europe IPO market 70 Dynamic SMEs need financing Valdis Dombrovkis, Vice-President European Sirpa Pietikäinen MEP, European Parliament Wardour Commission, Euro and Social Dialogue, Led by Claire Oldfield (Managing Director) and Ben Barrett (Creative Director). Financial Stability, Financial Services and CMU 82 Investing to meet the challenges ahead The team included: Matt Williams (Art Director); Rob Clark (Editor) and Wardour editorial; Othmar Karas MEP, European Parliament 5 Inside the report Jennifer Flower and Charlotte Tapp (Project Directors); John Faulkner and Jack Morgan (Production). Xavier Rolet KBE, CEO, 90 The Elite route to success Wardour, Drury House, 34–43 Russell Street, London, WC2B 5HA, United Kingdom London Stock Exchange Group Luca Peyrano, CEO, ELITE +44 (0)20 7010 0999 www.wardour.co.uk 8 Estonia will be committed to 108 Capital market finance remains helping SMEs neglected -
Regulations and Explanation M&A Awards 2016
Regulations and explanation M&A Awards 2016 M&A Awards, exemplifying excellence in M&A, corporate finance and private equity. www.overnames.nl Welcome Amstelveen, the Netherlands, October 2016 Dear colleague, On Thursday 15 December 2016 the 17th edition of the annual M&A Awards will be held. The M&A Awards is the landmark event for professionals working in M&A, corporate finance and private equity. 900 rainmakers celebrate excellence in the Beurs van Berlage in Amsterdam. Professionals simply cannot afford to miss out. After the Brexit on the 23th of June uncertainty kicked in. Private equity started to be more careful and board rooms delayed acquisition plans. In the first half of 2016 there were a remarkable number of six IPOs, in the second half only one. Shareholders rushed to get their company listed before the British referendum. On a whole the market acted more carefully this year than in the peaking M&A boom of 2015. That was thanks to political uncertainties and high valuations. But the stimulating M&A fundamentals of preceding years are still in place. That's why 2016 produced a healthy line up of Dutch big ticket deals. The acquisitions of Athlon car (1,1 billion), Propertize (895 million) and Van Gansewinkel (510 million) show that decision makers dare to take proper risks - even after Brexit. Having said that, the exuberant days of 2015 are over. But there are still plenty of opportunities for the best dealmakers to get involved in interesting deals. The winners of the M&A Awards are living proof to that. -
(As Defined Below) Under Rule 144A Or (2) Non-U.S
IMPORTANT NOTICE THIS OFFERING IS AVAILABLE ONLY TO INVESTORS WHO ARE EITHER (1) QIBS (AS DEFINED BELOW) UNDER RULE 144A OR (2) NON-U.S. PERSONS (AS DEFINED IN REGULATION S) OUTSIDE OF THE U.S. IMPORTANT: You must read the following before continuing. The following applies to the Preliminary Offering Memorandum following this page, and you are therefore advised to read this carefully before reading, accessing or making any other use of the Preliminary Offering Memorandum. In accessing the Preliminary Offering Memorandum, you agree to be bound by the following terms and conditions, including any modifications to them any time you receive any information from the Bank as a result of such access. NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. THE SECURITIES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OF THE U.S. OR OTHER JURISDICTION AND THE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE U.S. OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S (“REGULATION S”) UNDER THE SECURITIES ACT), EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE STATE OR LOCAL SECURITIES LAWS. THE FOLLOWING PRELIMINARY OFFERING MEMORANDUM MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER AND IN PARTICULAR MAY NOT BE FORWARDED TO ANY U.S.