Sentences with phrase «financial assessments of»

However, lenders are legally required to conduct financial assessments of borrowers to determine their financial condition, which involves an income analysis and a credit review.

A cross section of our ValueCreation and ValueRisk ratings provides a financial assessment of a company's business quality and competitive advantages, while our ValueTrend and Economic Castle ratings offer insight into the trajectory of a firm's economic profit creation (ROIC versus WACC).

A cross section of our ValueCreation and ValueRisk ratings provides a financial assessment of a company's business quality (competitive position), while our ValueTrend and Economic Castle ratings offer insight into the trajectory of a firm's economic profit creation (ROIC versus WACC).

For example, before approving the loan, the lender must do a financial assessment of the borrower's credit history and income.

The changes included limitations on the amounts that can be drawn in the first year, the option to receive a smaller one - time single lump sum disbursement, as well as changes to the mortgage insurance premium, the principal limit factor tables, and requiring a financial assessment of borrowers» ability to pay future property taxes and insurance obligations.

He has also represented several companies before the civil courts in cases dealing with restrictive covenants and the validity and financial assessment of stock purchase plans.

Overall, it still appears that the foreign pension should be seen as an asset and should be added to the financial assessment of the party in a divorce proceeding.

The trust (placed in a very difficult position by the outside intervention) had done a reasonable financial assessment of their possible liabilities to the claimant, had taken into account possible unfair dismissal proceedings and had reasonably taken into account the claimant's length of service.

These insurance rating services perform a careful financial assessment of the financial strength of each insurance company.

• Achieved sustainable improvement of brand's structural economics including pre and post launch financial assessment of commercial and product initiatives.

Effective April 2015, this change requires reverse mortgage lenders to conduct a financial assessment of all applicants, in order to determine whether or not they must set aside a portion of their proceeds to fulfill loan obligations.

Lenders must conduct a financial assessment of every reverse mortgage borrower to ensure he or she has the financial capacity to continue paying mandatory obligations, such as property taxes and homeowner's insurance, as stipulated in the Loan Agreement.

Not exact matches

VetFran offers mentoring, information on the basics of the franchising model, financial tips, self - assessment pointers and other resources to help veterans understand whether franchising is a fit for them.

The goal is to form an assessment of the character, reputation, financial situation, and collateral circumstances of the applicant.

Constituent companies are chosen based on their score on two sets of measures: a quantitative assessment consisting of their return on equity, balance sheet accruals ratio and financial leverage ratio; and a qualitative score derived from management's responses to a survey about such topics as corporate governance, risk and crisis management, customer relationships and tax strategies.

«You have to admit (there's) the possibility that the price could actually decline in these circumstances,» Poloz told a news conference in Ottawa after the release of the bank's semi-annual assessment on the state of Canada's financial stability.

Britain's House of Lords delivered a stinging assessment of the role «disconcertingly complacent» auditing firms played in the financial crisis.

After you have your financials in order and have made an internal assessment of your business collateral, speak to a business banker to determine which will work best for your situation.

The full assessment is pretty deep, including seventy specific questions and metrics that look at everything from financial performance to hiring practices and the attitudes of leadership.

The alert noted that in a recent SEC Office of Compliance Inspections and Examinations study of 75 financial firms, 5 percent of broker - dealers and 26 percent of advisors and investment funds did not conduct periodic risk assessments of critical systems to uncover vulnerabilities, potential business consequences and other cybersecurity threats.

Margaret Franklin, current chair of the CFA Institute (which issues accreditations to financial professionals) offers a bleak assessment: «Not enough cases.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

S&P Global ratings released its assessment of the stock, changing its financial risk profile from minimal to modest.

Notable in the latest statement was the Bank of Canada's assessment that financial markets were calming and that the central bank still thinks the global economy will strengthen this year and next.

Team members get to work on short - to - medium - term business improvement ideas, and come up with a rough assessment of the financial impact and an implementation plan.

For those who have the means but still have doubts, Kevin O'Leary, «Shark Tank» celebrity investor and founder of O'Leary Financial Group, known for his blunt opinions on television, provided a blunt assessment of why more people — celebrities or not — should give: «If you make money, you've got ta give some back, or you go to a bad place after you die.»

The process that made sense to use in the 1930s was a mosaic of financial analysis, valuation, qualitative assessment, and management interviews.

Fortuna Advisors, a financial consulting firm that compiles a buyback scorecard, has a particularly sobering assessment of the strategy's effectiveness.

Of those that do, most (54 %) offer financial incentives to encourage workers to complete the assessment, such as reduced premiums or cost - sharing; eligibility for other wellness benefits; or cash, contributions to an HSA, or merchandise.

Student loan holders also give a more downbeat assessment of their personal financial situation compared with their peers who don't have outstanding student debt.

The Global Financial Stability Report provides an assessment of the global financial system and markets, and addresses emerging market financing in a globalFinancial Stability Report provides an assessment of the global financial system and markets, and addresses emerging market financing in a globalfinancial system and markets, and addresses emerging market financing in a global context.

We then analyzed the business and financial profiles of the selected companies for relative similarities to us and, based on this assessment, we selected our comparable industry peer companies.

That bill would require the president (via the Secretary of the Treasury) to «develop a national strategy to combat the financial networks of transnational organized criminals» which would include an assessment of certain risks related to digital currencies.

Hensarling and other Dodd - Frank critics have called that ability — known as «orderly liquidation authority» — a bailout, even though any taxpayer money used is supposed to be recouped from the sale of the company's assets or an assessment on the financial industry.

Our preliminary assessment is that, given their still - small footprint and limited links to the rest of the financial system, crypto - assets do not pose an immediate danger.

All things considered, our assessment is that financial stability risks appear limited, though there are some pockets of corporate credit and subprime loans in the consumer space which bear watching.

Converting the operating leases into on - balance sheet debt results in a fairer assessment of the company's financials.

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

Life Cycle — It is abbreviated LC and forms part of any LCA (Life Cycle assessment) process and calculation in financial and investment contexts.

His department plays a central role in the design and implementation of Fund policies and in the review of its financial programs and assessments of member economies.

Our Business Continuity Plan addresses all areas affected by a business disruption of any type, including data backup and recovery; financial and operational assessments; alternative communications with clients, employees and regulators; alternate physical location of employees; critical supplier, contractor and bank impact; and regulatory reporting.

Advisors can no longer simply present a product to a client without the proper assessment of their financial goals and analysis of various products that would best address those goals.

In addition, as part of this assessment of internal control over financial reporting, the company has determined that the tone at the top of the organization and the performance - based environment at the company, where challenging targets were set and achieving those targets was a key performance expectation, may have been contributing factors resulting in the company's improper revenue recognition.

In a Mar. 18 letter to G20 central bankers and finance ministers, Carney gave a low - risk assessment of cryptocurrencies on the basis that the new asset class was small relative to the global financial system.

However, an assessment of the vulnerability of the Canadian financial system should, among other factors, account for the ability of Canadian financial institutions to withstand losses from the household sector.

Market - makers must be willing to take on risk by building inventory positions (see Box 1 for a discussion of the economics of market - making).4 As with other types of financial intermediation, willingness to build positions depends on assessments of risk and return.

Speaking to analysts and investors after HP released its financial results, Whitman offered a frank assessment of HP's challenges at the end of her first full quarter on the job.

An Unemotional Assessment — The financial adviser will give you an unemotional assessment of what needs to be done.

This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial and international developments.

The main factor influencing financial markets in recent months has been changing assessments of the timing of the first interest rate increase by the US Fed.