Asunto: Ojalá los dos un día muy feliz
En este día de su boda y muchos
años de buena salud y felicidad para los dos
Saludos Juan
y ahora voy a ver Amar en tiempos revuelto
Tienen una maravillosa luna de miel inolvidable
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Friday, June 17, 2011
Goldbug100 - Banco Santander´s Emilio Botín: "We expect profit to be in line with 2010 and to maintain the dividend at EUR 0.60 per share - a 7.5% yield"
Investors would have been better invested in this Bank than Lloyd´s or RSB who have not paid their shareholders dividends and Barclays a smaller one
Yahoo Finance - http://uk.finance.yahoo.com/q?s=SAN.MC
Emilio Botín
§ "Over the coming years, I am confident that the real potential of the bank's results will be reflected in the significant rates of growth of our profit."
§ The Board of Directors yesterday agreed to pay a first interim dividend for 2011 on 1 August amounting to 0.13 euros per share, which is equal to that paid in 2010.
§ "After three years of a strong economic and financial crisis we can assure that the international economy is recovering."
§ "Our business in Spain has reached a moment in which the trend is clearly changing, a turning point. The customer margin is recovering and non-performing loans have peaked."
§ "Now is the time to continue working towards reducing the distance from those countries that are making a clear recovery. To do so, the key is completing the restructuring of the financial system.
§ "Spain will get through this crisis, as it has always done in difficult moments. What is needed can be summed up in three words: Reforms, work and confidence. We have very competitive companies and the best prepared generation of young people in the history of the country."
§ "With a dividend yield of 7.5%, the Banco Santander share is clearly an excellent investment opportunity."
§ "Our aim is to further improve our business model in terms of geographical diversification, balance sheet strength, liquidity, high return on our share capital, dividends, operating efficiency, service quality and a strong and attractive brand."
Madrid, June 17, 2011 - Banco Santander Chairman Emilio Botín today presided over the Bank's Annual Shareholders' Meeting, which approved the bank's 2010 results. Banco Santander registered net attributable profit of EUR 8,181 million last year, down 8.5% from 2009. Mr. Botín said: "Against the difficult backdrop of 2010, marked by instability in the markets, significant changes in financial regulation and a fragile economic recovery, Banco Santander was able to achieve an excellent year. This profit is from ordinary income, does not include any type of extraordinary gains and was achieved along with a highly prudent provisioning policy."
In his speech to shareholders, Santander (Madrid: SAN.MC) 's Chairman recalled that, "For a fourth year in a row, Banco Santander was one of the banks with the largest profits worldwide, which confirms its ability to be profitable even in more difficult economic scenarios. Accumulated profit over the last four years amounted to EUR 35 billion, which places the bank in third place worldwide in terms of earnings. During this same period, Banco Santander kept shareholder remuneration stable, distributing a total of EUR 18.8 billion."
Botín described the four pillars which support Banco Santander's growth and differentiate Santander from other large international banks:
Capital and liquidity strength: "The strength of the balance sheet has been one of our priorities in 2010 and we have continued making this a priority during the first few months of 2011. Banco Santander has high solvency ratios of maximum quality," Botín said. He explained that core capital is now above 9% (last year, this ratio closed at 8.8%) which is greater than that stipulated by the new regulation. He added: "This excellent performance is to a large extent the result of the Group's ability to organically generate capital. Banco Santander has a rate of return on capital which is one of the highest among the main global banks." Regarding the liquidity position, he recalled that the Bank raised EUR 109 billion in deposits and launched issues in various markets amounting to EUR 38 billion.
? Strict risk management. "We maintain our non-performing loans ratios below the system average in all geographical areas in which we are present. In addition, except for Spain and Portugal, the non-performing loans ratio already shows a downward trend in the Group's other main units. This is all being reinforced with a very conservative provisioning policy. In recent years we have recognised provisions amounting to EUR 27.3 billion, and we have limited exposure to the construction and property development sector in Spain."
? The customer-focused retail banking business model: Retail (Santiago: RETAIL.SN - news) banking represents 80% of the Group's profit. "Banco Santander has the largest international banking branch network, with 14,700 offices providing service to 101 million customers. Over the last year and a half, we have increased our distribution capacity by 1,100 offices and the number of customers by nine million. Our retail banking business model is closely related to our structure of autonomous subsidiaries in terms of capital and liquidity, which is strengthened by listing our main subsidiaries on the stock market."
Geographical diversification: "Banco Santander's strategy in recent years has been aimed at reaching a critical mass and high quotas in our 10 main markets, of which half are developed markets and half are emerging markets," Botín said. He highlighted that "over the last few years, Banco Santander has been able to offset the weak results in Spain and Portugal with the high growth of our profits in Latin America and the growing results from the integration of our banks in the United Kingdom and the United States. We are the only international bank with a significant presence in six economies of the G-20. The presence of Banco Santander in Latin America is double that of the second global bank in the region."? Strict risk management. "We maintain our non-performing loans ratios below the system average in all geographical areas in which we are present. In addition, except for Spain and Portugal, the non-performing loans ratio already shows a downward trend in the Group's other main units. This is all being reinforced with a very conservative provisioning policy. In recent years we have recognised provisions amounting to EUR 27.3 billion, and we have limited exposure to the construction and property development sector in Spain."
? The customer-focused retail banking business model: Retail (Santiago: RETAIL.SN - news) banking represents 80% of the Group's profit. "Banco Santander has the largest international banking branch network, with 14,700 offices providing service to 101 million customers. Over the last year and a half, we have increased our distribution capacity by 1,100 offices and the number of customers by nine million. Our retail banking business model is closely related to our structure of autonomous subsidiaries in terms of capital and liquidity, which is strengthened by listing our main subsidiaries on the stock market."
He outlined the excellent economic fundamentals and stability of Brazil, which accounts for 25% of the Group's profit. "Banco Santander anticipated Brazil's positive outlook and invested $27.100 billion in this market. After unifying the brand and technological integration, we expect to obtain greater commercial strength and gain market share in the coming years." The rest of Latin America represents 18% of the Group's profit and is also a fundamental platform for growth."
Regarding the U.K, where Santander has 1,412 branches and which accounts for 18% of the Group's profit, Botín said: We are the second retail bank in terms of deposits, offices and mortgages and the only international bank that is succeeding in this country."
Botín also mentioned the Bank's business in Spain, which contributes 15% to total profit. "After a few years of economic weakness, which translated into less profit, our business has reached a moment in which the trend is clearly changing, a turning point. The results obtained during the first quarter have shown this: the customer margin is recovering and non-performing loans have peaked. We expect the non-performing loans ratio in Spain to reach its highest level in 2011."
As to Portugal, he said: "We expect the sovereign debt crisis in Portugal to have a very minimum impact on the Group. He explained that the portfolio of Portuguese government debt amounts to EUR 1.600 billion. "Our bank is the most solvent and solid of the country and represents 4% of the Group's business and 3% of profit," he added.
Botín went through the acquisitions carried out in 2010 in Germany (173 branches of SEB (Frankfurt: 862948 - news) bank) and Poland (Zachodni Bank). He said: This strategy of strengthening our geographic position was accompanied by a policy of divestments which allowed the amount of purchases carried out by Banco Santander in the last three years to be virtually equal to the figure obtained from sales, totalling EUR 14 billion."
Botín highlighted the Group's strategy of listing its main subsidiaries on local markets and mentioned the following advantages:
- It is consistent with our model of autonomous subsidiaries in terms of capital, liquidity and living wills.
- It enhances the value of our subsidiaries and serves as an instrument for local purchases.
- It enables us to provide incentives to local teams.
- It is a potential source of very flexible and immediate capital for the Group.
- Lastly, it promotes transparency and good corporate governance
The international economic environment
Botín devoted part of his speech to a review of the international economic outlook. "After three years of acute economic and financial crisis, we can say that the international economy is recovering. In particular, the data confirms the strengthening of the emerging economies." In advanced economies, he said that "the main countries show increasingly stronger signs of consolidating their rate of growth, which will positively impact other countries that are still in a slow recovery phase."
Regarding Spain, he noted that "In the past year, important steps were taken with a view to recovering the confidence of international markets. Structural reforms were launched which have allowed Spain to remain separate from the peripheral countries. Therefore, now is the time to continue working towards reducing the distance. from those countries that are making a clear recovery. To do so, the key is completing the restructuring of the financial system. If we look at it with perspective, the changes that have been made to the sector have been very significant over a short period of time.
"The financial sector has a clear mission to accomplish in the coming years: recognize the changes in the landscape; adapt ourselves to them; and seek out markets or sectors with high potential for growth," said Sáenz. He also identified the key characteristics that winning Banks will have in the new landscape: balance sheet solidity; critical mass in the markets n which they operate; strong presence in growing markets and, specifically, in emerging markets.
"We have great opportunities ahead of us and we are working to make sure we take advantage of them. We are well positioned to continue generating profitable growth and, therefore, to continue to add value despite the difficult environment for the sector. "
Goldbug100 - Lonrho completes acquisition of South African seafood wholesaler Fish On Line
15 June 2011
share price at the time of publishing
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Lonrho (LONR.L) completed a share purchase agreement to acquire a 51% equity interest in seafood wholesaler Fish On Line (Pty) Limited ("Fish On Line"). The existing management of Fish On Line will remain in place to develop and grow the company and to add depth to the management expertise available to Lonrho's seafood division.
Fish On Line is based in Cape Town, South Africa, and operates bulk cold storage and fish processing facilities. The company operates as a wholesaler of quality seafood and imports and exports a wide range of seafood to and from global markets. Products handled by Fish On Line include: Prawns, Salmon, Pangasius, Hake and Kingklip.
In the 12 months ended 28 February 2011 Fish On Line reported turnover of ZAR 66.4 million (£5.9 million) and profit before tax of ZAR 1.7 million (£0.15 million). As at 28 February 2011 Fish On Line had gross assets of ZAR 24.4 million (£2.2 million).
The Company has acquired the 51% stake in Fish On Line for ZAR 3.5 million (£320,000) in cash. Pursuant to the share purchase agreement, the sellers have been granted a put option to sell their remaining 49% to Lonrho three years after the signature date at a purchase price of a 6x multiple of Fish On Line's profit before tax for the 2014 financial year end, which is capped at a maximum of ZAR 35.0 million.
David Lenigas, Lonrho's Executive Chairman commented:
"The acquisition by Lonrho of Fish On Line strengthens Lonrho's fish division and provides Lonrho further access to and knowledge of the global wholesale fish market. Fish On Line brings strong synergies with Lonrho's current retail focused activities in the sector both in the African and global markets."
Company Website - http://www.lonrho.com/
Yahoo Finance - http://uk.finance.yahoo.com/q?s=LONR.L
Walter´s www.uadreams.com experience confirms what I suspect that the letters are censored
Posts: 18
| From Walter to Matt в 21:43, 28/05/11 | ||
UAdreams.com is a total scam-site, don’t try it as I tried it for a few months and I quit in frustration ! Let me explain EXACTLY what happened with me. My ex-wife Tanya comes from Cherkasy Ukraine, and her mother “Lyuda” has 5 businesses in that city, most of them in the center of the city, right across the street from the only McDonalds in that city . It is very easy to locate Tanya’s mother, just go to the only stores selling luxury fur coats for older women and you will find Lyuda’s employees selling her coats for her. So I was corresponding to 7 different women who come from Cherkasy, and I told all of them that I had a lady friend who lives in Cherkasy and she could help me to arrange meetings with these women, and I told them how to contact Lyuda, even giving them addresses and telephone numbers, the names of Lyuda’s stores, the locations of the stores, I mean with the information I gave even a blind person would be able to contact Lyuda and talk to her. ( For a while Lyuda was trying to help me to find a single woman from Cherkasy but her idea of what a suitable lady is and my idea of what a wife is are 2 different things. I want someone to go hiking and walking with me, while Lyuda was trying to find someone who was good at cooking, so I told her thanks but no thanks.) Anyways, no matter what I tried to do, the women would always say that they could not meet me that way, or that this information I gave was ‘censored’ and she could not read it. At one point I said: go to the McDonalds, then go to the store beside the McDonalds, walk into that store and ask for the manager, then ask for the phone number of the lady named “Lyudmila” who sells fur coats upstairs. I was told that information was deleted from my e-mail and she could not see what I had said. Of course all of this was total BULL, they just want to keep me strung along and keep my paying for e-mails, so I eventually just gave up and deleted my profile with UA Dreams, that agency is such a rip-off ! Reply | ||
Goldbug100 - Chimera Investment Corporation (NYSE: CIM ) increased holding by 60%
at $3.469 a share yesterday taking advantage of the markets weakness
eps 0.63 Dividend and yield 0.56 (16.10%)
at the close of market yesterday they closed at $3.49
their 52 week range is $3.37 - $4.36
Yahoo Finance - http://uk.finance.yahoo.com/q?s=CIM
Bloomberg - www.bloomberg.com/apps/quote?ticker=CIM:US
Chimera Investment Corporation
1211 Avenue Of The Americas
Suite 2902
New York, NY 10036-8701
United States - Map
Phone: 646-454-3759
Website: http://www.chimerareit.com
1211 Avenue Of The Americas
Suite 2902
New York, NY 10036-8701
United States - Map
Phone: 646-454-3759
Website: http://www.chimerareit.com
| Business Summary |
|---|
Chimera Investment Corporation operates as a real estate investment trust (REIT) in the United States. The company, through its subsidiaries, invests in residential mortgage-backed securities (RMBS), residential mortgage loans, commercial mortgage loans, real estate-related securities, and other asset classes. Its targeted asset classes include agency or non-agency RMBS; prime, jumbo prime, and Alt-A mortgage loans; first or second lien loans secured by multifamily properties, mixed residential or other commercial properties, retail properties, office properties, or industrial properties; and asset-based securities (ABS), including commercial mortgage-backed securities, debt and equity tranches of collateralized debt obligations, and consumer and non-consumer ABS. The company has elected to be treated as a REIT for federal income tax purposes and would not be subject to income tax, if it distributes at least 90% of its REIT taxable income to its share holders. Chimera Investment Corporation was founded in 2007 and is based in New York, New York.
Olympic Holidays Affiliate Update: Latest Top Deals 17 June 2011
Flying on 4th July from Birmingham for 7 nights.
£179pp, Crete, 3* Self Catering, staying at the Bella Vista in Stalis
Flying on 28th June from Birmingham for 14 nights.
£199pp, Rhodes, 3* Self Catering, staying at the Kassandra Apartments in Trianda
Flying on 29th June from Gatwick for 7 nights
£249pp, Rhodes, 3* Half Board, staying at the Bayside Hotel in Kremasti
Flying on 29th June from Manchester for 7 nights.
£249pp, Kos, 4* Bed & Breakfast, staying at the Alexandra Beach Hotel in Psalidi
Flying on 29th June from Manchester for 7 nights.
£295pp, Turkey, 3* plus, All Inclusive, staying at the Club Acacia in Turgutreis
Flying on 30th June from East Midlands for 7 nights.
£359pp, Cyprus, 4* Half Board, staying at the Avlida Hotel in Paphos.
Flying on 29th June from East Midlands for 7 nights.
Great Furniture Deal with Asda Direct
Asda Direct have some huge savings on furniture:
Was £130
Now £50
Now £50
Was £300
Now £150
Now £150
Was £300
Now £150
Now £150
Was £120
Now £96
Now £96
Waterford End of Spring Drinkware Sale - 75% off!
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End of Spring Drinkware Sale - 75% off! Select Marquis by Waterford Brookside and Omega drinkware is on sale for 5 days only! Consumers will save 75% off the original drinkware price when they shop this weekend. The Waterford Offer: 75% off select Marquis by Waterford Drinkware Coupon: drinkware sale is only while supplies last so act now! N/A Offer Ends: June 20, 2011 Offer: FREE Shipping on orders of $50 or more Coupon: FREESHIP50 Offer Ends: June 30, 2011 |
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