Seb Background

In: English and Literature

Submitted By sanna777
Words 1604
Pages 7
Environmental aspects
Focusing on today’s environmental climate, the global economy has continued to reach firmer ground even though regional differences remains. The European growth has been held back by high predominant debts and unemployed levels. However, through a business sentiment perspective, the stock and some relevant financial markets have turned more positive as shown by higher Nordic and German corporate and capital market activities like IPOs and tenders (SEB 2014). Yet the large global economic imbalances remain and the potential reduction of liquidity support to financial markets from central banks contains a risk of creating direct and indirect effects that could be difficult to assess (SEB 2014). Another considered market uncertainty during 2014, is the unfolding geopolitical development in Ukraine and the Middle East, causing ambiguity around future outlooks within relevant financial markets.
In general, the present environment is contributing to extraordinary resulting figures of low inflation, low interest rates and records of over six years of central bank liquidity in the Eurozone and the US. This in respective has given rise to low risk differentiation in credit spreads and a sharp increase in asset prices (SEB 2014).
About SEB
SEB is regarded as one of the leading corporate- and investment banks of Scandinavia. The company is lead by CEO Annika Falkenberg and currently employs 16 000 highly-skilled people in over 20 countries around the world, hence covering different time zones, securing reach and local market knowledge with its headquarter in Stockholm. SEB serves around 2 900 large companies and institutions, 4 000 small and medium enterprises and four million private clients. SEB international operations are directed towards eleven different financial markets around the globe. SEB has received many prestigious rewards over the…...

Similar Documents


...[pic] | | VeriCheck Information Services Background Check Report Date: 09/23/2012 Reference: vis-2564-03 Search Criteria: KHAN, SAIFI SEHER ------------------------------------------------------------------------------- *** SOCIAL SECURITY NUMBER: 091-61-XXXX                                   State: MARYLAND                              Year Issued: 2008 =============================================================================== *** THE FOLLOWING SUBJECTS MATCH ON SOCIAL SECURITY NUMBER AND HAVE A SIMILAR NAME: KHAN, SAIFI SEHER                                                    091-61-XXXX                            Address Source 1 (02/86) ===================================================================== *** ADDITIONAL NAME(S) FOUND FOR YOUR SOCIAL SECURITY NUMBER(S): KHANDAKAR, RIMI                                                  091-61-XXXX                            Address Source 1 ===================================================================== ********** ALL ADDRESS SOURCES HAVE BEEN SEARCHED ********** ===================================================================== *** SUBJECT'S ADDRESS HISTORY(* INDICATES RECORDS WITH THE MOST CURRENT DATE) PUBLIC RECORDS WILL ONLY BE SEARCHED FOR THESE INDIVIDUALS: KHAN, SAIFI SEHER                                                 SS# 091-61-XXXX ALIAS: KHAN,SAIFI *2257 HULL ST, BALTIMORE, MD......

Words: 541 - Pages: 3


...Background of the Study: Back in time when computer, internet connection, and technology are not necessities, frauds are easy to conceal. Given also the fact that accounting standards were still not that strict about some disclosures and can be circumvented easily, many people such as accountants, businessmen, and employees took advantage of it. These people may be blinded by their position that they are capable of doing their own dirty tricks. They also have their reasons why they wanted to try to benefit from their institution on themselves. Moreover, they also saw the opportunity in the weakness of the controls in the company so they knew how they will do it and conceal it. These ideas were in a way lessen as the accounting standards were amended due to the detection of numerous cases of accounting scandals at the start of the second millennium. More disclosures are now being asked from the companies in order for them to be transparent in their operations and be aware that the lawmakers are, now, more focus on them. However, even if more disclosures are being required by the accounting standards, some still have the guts to try to attempt in doing frauds. These people still see the opportunity and are still capable of doing it without even being obvious in the audit. In this era of quick developing technology, the idea of Information Technology (IT) audit is developed. Moreover, many see the need of it to address the time constraint for auditing the information systems of......

Words: 485 - Pages: 2

Background of Adidas

...INTRODUCTION AND BACKGROUND OF ADIDAS Adidas was founded in 1920 in Germany by Adi Dassler; later in 1924 his brother joined him to promote his business. Two brothers were successful to create innovative ideas and now Adidas Company has more than 700 patents and property rights. In 1948 two brothers had some kind of conflicts and both decided to split their business, one brother continued Adidas while another brother establish Adidas tough competitors Puma (Market watch, 2010). Adidas Group comprise of Adidas, Reebok, and Tailor-made. Adidas represent 72% of group revenue while Reebok represent 20% of group revenue, and Tailor-made represents 8% of group revenue (Adidas, 2008). Adidas is world’s #2 designer and distributer of sporting goods behind Nike. Currently Adidas has numerous contracts with food ball and basket ball athletes, golfers as well as New York Yankees. As of May 2010, company operates over 2200 retail stores under the Adidas and Reebok banner (Yahoo finance, 2010). According to 10k report of Adidas group, their corporate strategy is “to lead the sporting goods industry with brands built on a passion for sports and sporting life style. To generate consumer excitement and enhance brand profitability Adidas group is continually strive by executing a clear strategy i.e. focused on strengthening and developing brands to maximize group’s operational and financial performance and create shareholders value.” Similarly, corporate strategy was “focused on extending...

Words: 364 - Pages: 2

Background File

...Task 1 WGU Tiffany Wethington Background Information|Review of Literature|Discussion of Methodology|Specific Data Analysis|Conclusion| The researcher discusses how the topic at hand has been studied over the last 30 years. |Nurses are constantly exposed to dying patients and death. Death is a universal fear. Everyone has their own attitudes toward death. There are many things that influence a person’s perception of death. The persons own beliefs may affect the way they handle a dying patient.|This is a quantitative research. The researcher uses many studies done by other researchers to collect number to provide support for the conclusion. The research uses a lot of statistics.|The authors used electronic databases and global search engines. The researchers studied nurse’s attitudes before and after an educational intervention in dealing with a dying pt. The researchers used quantitative descriptive surveys. Personal attitudes toward death were in correlation with their attitudes of caring for dying patients. Most nurses in the study dealt with the situation in a positive manner. The comfort of a nurse while communicating with families and patients is adversely affected by a nurses death anxiety.|Nurses must step back and realize what their own fear and beliefs about death are so they can better take care of a dying patient the way the patient wants to be taken care of without anxiety or reserve. The nurses that had a more positive view of death were more likely to...

Words: 553 - Pages: 3

Cutlural Backgrounds

...Cultural Background Cultural Background Does one ever really wonder or truly understand their cultural backgrounds? That is something that I will probably never know. Being that I was adopted as a young child and know nothing about my original family. I have asked many times, but my adopted parents tell me that I’m better off not knowing. Maybe someday I will learn about my real parents, but for now I am just happy that another family took me in, and gave me a chance. Grandparents Background My adopted parents are of Polish & Cherokee decent. Both of my grandpas have told me many stories of how much life has changed from when they were younger. For example women weren’t allowed to have jobs. Or be involved in kind of decision making and the idea of a college education for women was out of the question. They were lucky to have any form of education. They were expected to look after the children and the home, while the husbands were providing for the family. Parents Background My adopted were parents were raised in a very strict home. They were forbidden to socialize or, have friends that weren’t of their decent. My grandparents wouldn’t have any part of that. They were to go to school to get their education and they came straight home to work on the farm and take care of their chores. My dad dropped out of school to work on the farm with my grandpa. He never had the opportunity of getting an education and to this day he still provides for his......

Words: 767 - Pages: 4

Cultural Background

...Cultural Background Summary Shenita L. Frith SOC/315 Cultural Diversity Dr. Tramayne M. Butler July 26, 2010 Cultural Background Summary The term culture refers to a way of life – traditions and customs – transmitted through learning, which play a vital role in molding the beliefs and behaviors of the people exposed to them. According to Tylor (1871), a British anthropologist, culture is that complex whole, which includes knowledge, belief, arts, morals, law, custom, and other capabilities and habits acquired by man as a member of society. These influences are conveyed from generation to generation through the learning process. Every culture is unique, but similar in many ways. No culture is like another culture. Some areas that are similar I have noticed are their commitment to their families, religion and education. Some differences that I have noticed are language barriers and family values. This paper will emphasize the various sources that play a part in my cultural background. I was born in the state of Mississippi in a small town where the population was a mixture of White, Black and Hispanic. Everyone seems to get along. My father and mother raised six girls and two boys with me being the next to the oldest of the siblings. From the age six through twelveth grade I attended the Tylertown public school. In 1988, I graduated from Tylertown High School. After graduation my life’s journey began. My family, religion, customs, and traditions......

Words: 685 - Pages: 3


...Background Bellevue Doing business south of the metro is always a pleasure at The Bellevue Manila. Evoking the unhurried lifestyle of the Alabang community, The Bellevue Manila exudes an environment of easy elegance from its Asian-inspired lobby and reception area to its fine dining outlets and recreational facilities. Each of its 456 deluxe and suite rooms has been meticulously designed to provide guests a relaxing stay. This is matched by the staff’s inspired service, ensuring that the guest’s every need is met. Indeed, The Bellevue Manila gives businessmen and travelers a five-star destination experience like no other. Vivere A jewel in southern Metro Manila, Vivere Hotel in Alabang is a towering 31-storey five star deluxe hotel. Featuring 200 elegantly appointed rooms and suites each with interiors that reverberates the beauty of the local culture, the hotel provides business facilities and recreational amenities for both business and leisure travelers. Make the most out of your stay as we invite you to re-kindle your love for sumptuous home cooking as we prepare all the elements for a great get together with family & friends amidst the scenic view of Laguna de Bay and the Metropolis. Crimson Discover true elegance at the new Crimson Hotel Filinvest City, Manila.  We will create for you an atmosphere of tranquility, subdued elegance and new expression of cosmopolitan life at its finest in the vibrant and green Filinvest City. Crimson Hotel Filinvest City,...

Words: 401 - Pages: 2


...Background Introduction Company Company was founded in 1968 in Nashville, TN as a single hospital. It was the nation’s first hospital corporations, quickly from their beginnings they ventured in assembling a group of hospitals. Their commitment is “to care and improve human life and strive to deliver high quality, cost effective healthcare in the communities they serve. They are composed of 165 hospitals and 115 freestanding surgery centers in 20 states and with a branch in England that employs approximately 204,000. Recent Performance As of August 29, 2014 HCA stock was at $69.82 a share compared to its competitor THC who was at $61.18 a share. HCA earnings rose in the second quarter 14% as the admissions and benefits from the U.S. healthcare policy overhaul. Their doubtful accounts declined 29% to$ 728 million from $1.02 billion a year prior. Their sales growth in the present quarter is 9.23% a 0.19% increase from the previous quarter. Their quarterly return on assets was 6.48% (net income $1,932 mil divided by assets $29,822 mil) and the median is 4.83%. Their gross profit as of June 30, 2014 was $7,698,000.00 Customers HCA’s customers vary from a wide range of individuals. They provide services to individuals who need outpatient services such as labs, mammograms, x-rays, CT scan and more. Other customers are individuals who need emergency services such as stroke patients, trauma, burns and more. Others are patients who are scheduled for......

Words: 370 - Pages: 2

Compony Background

...Mang Inasal   I. Background of the Company MANG INASAL - Philippine's fastest growing barbeque fast food chain, serving chicken, pork barbeque and other Filipino favorites, was first established on December 12, 2003 in Iloilo City. Mang Inasal comes from two word’s MANG - Local word for “Mister” and INASAL – Ilonggo word for barbecue, a popular dish in Visayas. MangInasal - is a Pinoy quick-service restaurant that originated in the City of Iloilo and was able to compete with other existing food chains nationwide. Currently, there are 464 branches nationwide and with over 10,000 employees system wide. MANG INASAL is doing its share in alleviating the unemployment burden of the country. The presence of every MANG INASAL in a certain area provides not only employment but also opportunities to community members including suppliers of kalamansi, charcoal, banana leaves, vegetables, bamboo sticks, and other ingredients. It also indirectly gives income - generating activities to many. MILESTONE:   * Mang Inasal’s First Company Owned store: Robinson’s Place Iloilo on December 12, 2003   * First store in Manila: SM Mall of Asia on September 15, 2006   * 100th Store at Kalibo on January 9, 2009   * 200th Store Plaza Miranda Quiapo December 21, 2009 On its 6thyear, Mang Inasal built a total of100 stores in one year from 2008 to 2009. Mang Inasal capitalized on giving livelihood to the people around its surrounding communities Mang Inasal has set a......

Words: 294 - Pages: 2


...Background This report discusses various issues and challenges influenced by personals’ cultures in international companies managed and operated by multi-national personnel. Differences in cultures in such organizations are very sensitive and have significant impact on firms’ structures, strategies, decision making and behaviors. To achieve so from the real workplace, two interviews have conducted with four mangers in the National Shipping Company of Saudi Arabia (Bahri). The company headquarters is based in Riyadh, Saudi Arabia and publicly listed in Saudi Stock market. It has branches in other cities inside the home country and different cities around the world such Dubai in the United Arab Emirates, Baltimore in the United States of America, Mumbai in India and Manila in Philippines. The company owns, manages and operates a fleet of ships in four main shipping sectors which are transporting crude oil, chemical products, general cargo and dry bulk cargo. It has also a diverse strategies in its operations like fully owned subsidies or joint ventures with local and international companies. Furthermore, Bahri is managed by multi-national personnel from Saudi Arabia, India, Britain, Scotland, Pakistan, Russia, Philippines, Poland, Sweden, Norway, Italy and many other nationalities. The headquarters is headed by Saudi national who is the President and Chief Executive Officer while the branches and the several divisions are managed by previously mentioned nationals. This type......

Words: 311 - Pages: 2

Cultural Background

...Cultural Background In society today, there are many values and beliefs among individuals that will change through time. One of the most major sources of determining an individual’s identity would be their cultural background. As cultures mix together and interact, changes occur. In this paper, I will discuss how I learned my culture growing up and how it made me into the person I am today. Culture is the totality of learned social transmitted customs, knowledge, material objects and behavior (Schaefer, 2006). Growing up I remember my cultural background very well. As many would have set traditions, my family observed everything around them. I remember eating at variety of different restaurants such as Chinese, Mexican, Japanese, and the regular American style restaurants. One thing my parents were very good at is changing variety of food to receive the taste of different cultures. My parents never discriminated against any other race. They brought us up to love everyone and be very respectful. In the church atmosphere, my parents went to many different churches throughout my teenage years because they felt as if they needed to find where they belong in the church. I also believe that every church we went to, the Baptist religion became very hypocritical. We soon found a church that we since belong too and my parents attend very often, and it is a non-denominational church, where they accept the way they are. This church opens my eyes to what I......

Words: 344 - Pages: 2


...The Problem and its Background Introduction Policing is essentially about communities and for communities. That is why we must always take account on public opinion in informing policy, setting policing priorities and devising appropriate response. The promotion of community safety involves not only effective policing but also positive citizenship and public policy. As regards a sense of reassurance, police and police visibility were frequently the first factors mentioned as important, with visibility being linked to greater police engagement which the public expected would impact on crime and fear of crime. Overall, it was considered that there were not enough police on the beat and the desire was expressed for a proactive rather than reactive presence. There was a broad understanding of the role of the police with visibility linked to that role. Visibility was perceived to relate to foot patrol which respondents preferred to mobile patrol as this was seen as providing little or no opportunity for officers to interact or deter. Police visibility was seen as a means of facilitating engagement and intervention which, when combined, would be expected to enhance quality of life, reduce fear of crime, fear of intimidation and reduce the incidence of crime. Police officers were considered neither common nor accessible in young people's lives and although they accepted a need for police, young people did not view them positively. Indeed police were associated with negative......

Words: 320 - Pages: 2

Thesis Background

...research/thesis can be reflected in Chapter 1 including expected results or outcomes. For your guidelines, please read the following sample format of Chapter 1. Remember, the format is not universal, meaning it could vary from one school to another and/or from one course to another. CHAPTER 1: THE PROBLEM Chapter 1 includes the following subtopics, namely: 1) Rationale; 2) Theoretical Framework; 3) Conceptual Framework/Paradigm; 4) Statement of the problem; 5) Hypothesis (Optional); 6) Assumption (Optional); 7) Scope and Delimitation; 8) Importance of the study; 9) Definition of terms. 1) Rationale (Background of the study) -Describe the problem situation considering global, national and local forces. Justify the existence of the problem situation by citing statistical data and authoritative sources. Make a clinching statement that will relate the background to the proposed research problem. 2) Theoretical Framework -Discuss the theories and/or concepts, which are useful in conceptualizing the research. 3) Conceptual Framework/Paradigm -Identify and discuss the variables related to the problem. Present a schematic diagram of the paradigm of the research and discuss the relationship of the elements/variables therein. 4) Statement of the Problem -The general problem must be reflective of the title. It should be stated in such a way that it is not answerable by yes or no, not indicative of when and where. Rather, it should reflect between and among......

Words: 1952 - Pages: 8

Cultural Background

...Digital Story: My heritage and me Website architecture: Links arranged in a circular format around the link to my digital story Links to family pictures Links to pictures that reveal things about myself Links to resume or an about me page Links to interesting things about me Design based on fusion of Indian and Chinese elements, possibly including Mandarin characters and Hindi writing. Possibly the countries in the background with some transparency, so you can see the links in front. Also, the US. Corresponding Indian/Chinese proverbs Narrative Script: My earliest memories have always been tainted by the color of my skin, the shape of my face, and the curiosity of humankind. I can’t remember a time when someone hasn’t asked me “what are you?” I’ve been trying to figure out the answer for years, but usually I reveal my ethnicity: Chinese and Indian. I’ve become well-acquainted with the raised eyebrow and commentary about my “interesting mix.” Most people though don’t really know how my mixed heritage has shaped my identity. I suppose I wasn’t quite sure myself. At times, I tried to combat common stereotypes with a distinctive personality contrary to any expectation. But as I molded my identity into an entity separate from my heritage, I found it difficult to embrace both simultaneously. I was myself and I was Chinese and Indian, but never really at the same time. At family reunions, I would glean what conversational insight I......

Words: 588 - Pages: 3


...Woodward Research 4 November 2011 Airways Airways provides essential services for NZ airspace, with growing business overseas Company Background Airways is a state-owned enterprise (SOE) owned by the New Zealand government and headquartered in Wellington, New Zealand. The company’s core business is as the designated Air Navigation Services Provider (ANSP) for the New Zealand Flight Information Region (FIR), which covers the entire country and its surrounding oceans, as well as part of Antarctica. Airways provides air traffic control (ATC), air traffic management (ATM), and navigation services, and controls approximately 1 million aircraft movements per year. The company has also launched growth businesses that include ANS-related training services, software licensing and consulting services to clients located mostly offshore. Earnings & Valuation Woodward Research, using a discounted cash flow (DCF) analysis, values Airways at an enterprise value of $140.5 million. Airways has net debt of $22.1 million. This values Airways’ equity at $118.3 million. Woodward Research has also valued Airways using valuation metrics drawn from a group of comparable companies. Using enterprise value to EBITDA (EV/EBITDA) metrics gives an enterprise value of $176.7 million. Because its revenues and cash flows are fairly predictable, and that there is an inadequate peer group of companies to compare Airways to, Woodward Research believes that DCF is the best way to value Airways. All......

Words: 4356 - Pages: 18

Legal Implications of Mo | Mazinger Z Infinity BluRay MicroHD | Hallo Kurt