TomTom NV Oosterdoksstraat 114 1011 DK Amsterdam The Netherlands Tel: +31 (0)20 757 5000 www.tomtom.com Annual Report 2012 maps | traffic | navigation Forward-looking statements/important notice This document contains certain forward-looking statements with respect to the financial condition‚ results of operations and business of TomTom and certain of the plans and objectives of TomTom with respect to these items. In particular the words ‘expect’‚ ‘anticipate’‚ ‘estimate’‚ ‘may’‚
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Interest rates are among the closely watched variables in the economy. The media on daily bases record their movement because they affect our everyday lives and have crucial consequences for the health of the economy. They affect personal decisions as whether to consume or save‚ whether to buy a house and whether to purchase bonds or put funds into a savings account. Interest rates also affect the economic decisions of households or businesses such as whether to put their money in the
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versus floating exchange rates Introduction The exchange rate regime The exchange rate regime is the way a country manages its currency in respect to foreign currencies and the foreign exchange market. Each country has its exchange rate policy which determines the form of a government influence on the currency exchange rate. There are three main type of the exchange rate regime: • a floating exchange rate‚ where the market dictates the movements of the exchange rate‚ • and the fixed
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President (Motorcycle Business) S Ravikumar Senior Vice President (Business Development and Assurance) Amrut Rath Vice President (Human Resources) C P Tripathi Vice President (CSR) Auditors Dalal and Shah Chartered Accountants Cost Auditor A P Raman Cost Accountant Bankers Central Bank of India State Bank of India Citibank N A Standard Chartered Bank Bank of America ICICI Bank HDFC Bank Registered under the Companies Act‚ 1956 Registered Office Mumbai-Pune Road Akurdi‚ Pune 411
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Ch.5 Yield (total return) = Dollar inc + (end-beg) beg. Value Risk of Return = r= Risk Free rate + Risk Prem r=rRF+DRP+LP+MRP Risk Free Rate = rRF = r* + IP -effects of int rates on PV/Price of securities: int goes up‚ value of bonds goes down‚ stock goes down (NPV) Prices -factors that influence int rates/yield curve 1.production opportunities-return avail w/in an economy from inves. In productive asset; higher prod opp‚ higher return 2. Time preferences for consumption 3
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An annual report is also often referred to as a company ’s annual financial report. An annual report consists of four major parts‚ each of which can be broken down into specific areas pertaining to the business in question. These four sections reveal the business ’s financial status in terms of earnings‚ spending‚ debt and long-term assets. The first main section of Walmart’s annual report is assets. The company ’s assets are often presented in a category near the beginning of the annual report
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10-K 1 d80233e10vk.htm FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington‚ D.C. 20549 Form 10-K þ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 29‚ 2011 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
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Interest Rate Risk in Islamic Banking Introduction Many countries‚ especially those with a substantial number of Muslim citizens operate a dual banking system. This system has both the Islamic and conventional banking systems which cater for the needs of both the Muslim bankers and the non-Muslim bankers. In a conventional and theoretical banking system‚ it would be expected that a change in the banking interest rates would yield a responsorial change for customers in the event that the customers
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Refer to figure 1.4 on page 12 of your text. Use this figure to rate each of the following scenarios. Record beside each scenario your choice (a‚ b‚ c‚ d) and explain fully your choice. high in effectiveness and high in efficiency high in effectiveness and low in efficiency low in effectiveness and high in efficiency low in effectiveness and low in efficiency Scenario #1: The Production Manager of Mom’s Cookies had a monthly production target of 100‚000 bags of cookies
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our execution‚ and focus on the big bets that will make a difference in the world. Google is a large company now‚ but we will achieve more‚ and do it faster‚ if we approach life with the passion and soul of a start-up. In April 2011‚ I began by reorganizing the management team around our core products to improve responsibility and accountability across Google. I also kicked off a big clean-up. Google has so many opportunities that‚ unless we make some hard choices‚ we end up spreading ourselves
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