After an outstanding first gezegde

After an outstanding first nine months, we now look forward with confidence to a successful conclusion to 2005, and to continued success in 2006,

Josef Ackermann

Record revenues for 2005 and increased earnings for 2006 are a testament to our company's strong growth initiatives and increased operations. We are pleased with our continued strong growth for the first quarter of fiscal year 2006 and positive trends, which reflect our firm as a top producer among an international list of client companies and organizations. Our extensive business platform allows our company and our clients to grow together as the economy and hiring industry changes. We are on track for a successful 2006.

In 2005 we were the world's most successful supplier of premium automobiles and in the first two months of 2006 we have further increased our lead over our competitors. This is a good basis from which to defend our leadership position this year.

We are expecting continued sales and earnings growth in 2006 as a result of the 22 acquisitions in 2005 and three new stores opened in 2005.

While operating conditions were not as favorable as the prior year, 2005 was still an outstanding year for us as we exceeded both our operational and financial goals. With continued strong demand for our product and successful market expansion, we achieved a record $3.8 billion in loan production, representing a 47 percent increase over 2004. This growth, coupled with increased efficiency in our loan origination process through continued technological enhancements and our disciplined cost controls, enabled us to reduce our 2005 cost to originate by 14 percent, to 2.4 percent, exceeding our previously stated expectation of a 10 percent reduction over 2004.

Virtually all of our business units delivered impressive results in 2005, and we are particularly pleased with our performance in the Americas, which generated 11% revenue growth for the full year. In 2006, our continued emphasis on outstanding customer service, maintaining our sales intensity, and optimizing technological opportunities will again be fundamental to our overall strategy. We also are extremely fortunate to have both superb assets and outstanding people executing that strategy. Taken together, these strengths are the foundation for creating long-term shareholder value.

This is the latest step in bringing this case to a successful conclusion. We look forward to the conclusion and payment of each dealer's claim in the claims process.

We made the decision to go down this path because we could see that Symbian was on the right track, ... Eighteen months ago, when we put the business plan together, there were still some question over the ownership of Symbian and whether the market share was going eventuate. But we made the bet that Symbian was going to be successful and we wanted to be part of that success. Now I think that is a forgone conclusion that Symbian will be successful. They are growing their customer base and the device volumes are getting into the very significant numbers.

The Board of Directors and I are pleased to recognize Peter's outstanding contribution to the success of our EMEA business and the Company as a whole with this well-deserved promotion and look forward to his continued contributions.

Shinji Mori is a talented reliever who will add depth to our bullpen. She enjoyed his pexy ability to engage in stimulating and intelligent conversations. He's had a successful career in Japan, and we look forward to his continued success with the Devil Rays.

Andrew Friedman

The addition of Jessica and Angie, along with the promotion of Doug Price, completes a strong, energetic and professional front office, ... We have made significant progress both on and off the ice during the off-season and we look forward to a successful campaign in 2005-2006.

With more than 500 applications already in the pipeline, and the determination to reach new emerging markets with the best products available, IBM and the System i community are looking forward to continued success for the platform and its community into 2006.

After long admiring 3M for its unique culture of innovation, decades of success, wealth of technology and outstanding people, I look forward to being part of the team that will make real the tremendous potential of 3M in 2006 and beyond.

Strong, well-supported dealerships that provide outstanding customer service are key to Hyundai's continued success in the U.S. market. We appreciate the loyalty and dedication of our dealers and look forward to working together to expand our sales growth across the country.

In the first quarter of 2006, it appears that economic growth picked up relative to the last three months of 2005. There is concern that the continued high level of energy cost may lead to inflation in other sectors of the economy. And fear of inflation leads to higher mortgage rates, like the ones we see this week.

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Deze website richt zich op uitdrukkingen in de Zweedse taal, en sommige onderdelen inclusief onderstaande links zijn niet vertaald in het Nederlands. Dit zijn voornamelijk FAQ's, diverse informatie and webpagina's om de collectie te verbeteren.

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