Oracle lease and finance management for manufacturers

ORACLE DATA SHEET 1 ORACLE LEASE AND FINANCE MANAGEMENT FOR MANUFACTURERS INCREASE EQUPMENT SALES PENETRATION Offer full suite of configurable financial lease and loan products to meet unique customer financing requirements across multiple regions or countries • Operating Leases • Direct Finance Leases • Sales Type Leases • Fixed Rate Loans • Variable Rate Loans • Revolving Loans SHARE INFORMATION & MAKE SMART DECISIONS THROUGH SINGLE SOURCE OF TRUTH ARCHITECTURE Access all the information you need to in one system to work with customers, funding sources and accountants to manage: • Customers, vendors and investors • Contracts and agreements • Assets • Investment pools & portfolios • Contract balance sheets and reconciliations EXPAND INTO NEW MARKETS • Automatic Multi-GAAP to

account for transactions according to the standards required by each country in which you do business • Define currencies and exchange rates to maintain contracts transacted in different currencies in one portfolio • Comply with diverse and complex accounting regulations using robust and flexible accounting tools Oracle Lease and Finance Management is for manufacturers who offer lease and loan financing to increase sales by meeting their customers’ cash flow needs, providing bundled products, consumables and services, and improving up-sell opportunities through strong customer relationships. Unlike other products that generate fragmented data using obsolete technology, Oracle Lease and Finance Management is built on a “single source of truth” architecture that enables manufacturers to share common information to make smart decisions across their enterprise. Increase Equipment Sales Penetration Manufacturers finance equipment sales to make it easier for their customers to purchase the equipment by alleviating pressure on cash requirements. Attractive financing through leases and loans can be a significant marketing differentiator to meet increased competition and pressure on revenue growth. Unfortunately, many manufacturers are burdened by rigid IT infrastructures integrating a complex web of niche software applications and customizations that cannot adapt well to support new financial products resolve these pressures in a rapidly changing market place. Figure 1. Create and view payment schedules on the contract Oracle Lease and Finance Management is designed for manufacturers who provide equipment financing with a full suite of configurable financial lease and loan products to meet unique customer financing requirements across multiple regions or countries. It is built on a “single source of truth” architecture that enables manufacturers to share common information, make smart decisions and seek solutions to meet the business pressures to drive equipment sales ORACLE DATA SHEET 2 • Automatically represent a single transaction in multiple accounting representations according to your specified standards • Configure tax parameters to calculate, collect and remit transaction-based taxes in compliance with leasing specific tax regulations across multiple legal entities, operating units and tax jurisdictions BUNDLE PRODUCTS, CONSUMABLES & SERVICES • Offer an entire solution in bundled products, services and consumables in one price, one invoice and one contract • Consolidate billing charges for equipment rent, fees and services generated by different business units on one invoice • Allocate transactions for bundled products and services to the appropriate accounts automatically • Simplify accounting and general ledger classifications automatically for each contract UP-SELL THROUGH STRONG RELATIONSHIPS • Expand...

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Gearing and investment guidelines Jyske Bank Invest Loan

Gearing and investment guidelines Jyske Bank Invest Loan Gearing and investment guidelines – Jyske Bank Invest Loan – JGAM version – 04.2008 1/8 Asset class Green collateral value % of the asset market value Amber collateral value % of the asset market value Red collateral value % of the asset market value Cash balance Note 1) 85 90 95 Bonds Note 2) 80 85 95 Equities incl. convertible bonds Note 3) 67 75 90 US-securities Note 4) 50 65 85 Corporate bonds Note 5) Collateral value similar to that of a bond or equity depending on current rating. Emerging Market securities Note 6) 50 65 85 Mutual fund certificates Note 7) To be determined separately on the basis of the

fund risk profile. Structured products Note 8) To be determined separately on the basis of the product risk profile. Description of the rules applicable to the gearing and investment of assets placed as security for a Jyske Bank Invest Loan established through Jyske Bank Private Banking Copenhagen, Denmark As different types of assets involve different types of risk – credit risk and market risk – Jyske Bank has calculated dif- ferent collateral values for different types of asset classes. In other words, the higher the risk, the lower the collateral value. In addition, specific rules apply to rating, the breakdown of investments by amount and sector, as well as to market liquidity. The requirements are set out in the specifications for each asset class below. The asset classes acceptable to Jyske Bank as security are indicated below together with the matching collateral value. It is, however, a condition that accounts are kept and securities lodged with Jyske Bank. Jyske Bank calculates the Invest Loan collateral margin on the basis of a system whereby the collateral value is rated green, amber and red. To illustrate the various degree of risk, the notes below include calculation examples, and a purely hypothetical Invest Loan portfolio has been added to illustrate the calculation of the collateral margin. These margin rules are composed to be in accordance with Regulation X, Regulation U and the Single Credit Rule Gearing and investment guidelines Jyske Bank Invest Loan Gearing and investment guidelines – Jyske Bank Invest Loan – JGAM version – 04.2008 2/8 Invest Loan – calculation of collateral margin The calculation of the Invest Loan collateral margin is based on the relative risk associated with each of the asset classes placed as security for the loan. The higher the risk defined by the Bank, the lower the collateral value, i.e. the collateral margin increases compared with the loan value. The collateral value of low risk assets, on the other hand, is higher, i.e. the collateral margin decreases compared with the loan value. In the event that the value of the collateral falls below a pre-defined percentage compared with the loan value, the collateral will be rated amber, and the Bank may demand that further collateral be provided. In the event that the value of the collateral deteriorates even further, the collateral will be rated red, and the Bank shall be entitled to realise the collateral and redeem...

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Gold witnesses sharp sell off; is it time to invest? - Moneycontrol.com

Gold Update April 17, 2013 Gold witnesses sharp sell off; is it time to invest? Â Sharp sell off after multi year dream run After generating unprecedented positive returns for 12 consecutive calendar years, gold has surprised everyone by declining sharply by around 20% from its high of | 32800 per 10 gram in November 2012 in a span of five months. The domestic price of gold has been buoyed by a steady depreciation of the rupee against the dollar in the last couple of years. In dollar terms, gold has not generated meaningful returns in the past two years. Exhibit 1: Gold prices had dream run since 2001 Indian gold prices rose from 2001 to 2011 in line with

global prices. However, after that, while international gold prices remained stable till the recent correction, rupee depreciation has led to a sharp rise in Indian gold prices Source: Reuters, ICICIdirect.com Research Exhibit 2: Calendar year returns in INR terms Source: Bloomberg, ICICIdirect.com Research Exhibit 3: US$ INR movement since 2004 Analyst Sachin Jain Sachin.ja@icicisecurities.com Dipesh Dagha dipesh.dagha@icicisecurities.com Source: Reuters, ICICIdirect.com Research ICICI Securities Ltd. | Retail Equity Research  Reason for recent correction • One of the main reasons for the recent correction in global gold prices is the confidence in the US economy that has led to investors shifting money from safe havens like gold to riskier assets like stocks. The US stock markets are currently trading at all-time high levels. At the same time, the holdings of the SPDR Gold Shares, the largest gold ETF in the world, have fallen 15% from their peak levels. At 1,154 tonne, SPDR’s gold holdings are at their lowest level since April 2010 • The rise of the dollar due to the economic crisis in Europe also resulted in prices being adjusted as it is denominated in US dollar terms. The dollar has also moved up on hopes that the US economy is emerging from its crises • Expectations of the US Fed withdrawing the stimulus soon, which would results in sussing of easy money that is currently available • News flow of Cyprus selling its gold reserve. Cyprus holds just 13.9 tonnes of gold. Speculation that Portugal and Italy may follow Cyprus in selling gold added to the negative sentiments. However, it is unlikely that Portugal and Italy will resort to gold selling to meet the fiscal deficit • The sell-off was seen across commodities including metals and crude oil prices as weak Chinese GDP raised concerns over demand • The news flows, as mentioned above, led to panic selling and speculative or hot money, which was chasing the rising metal got reversed  Technical View: May consolidate for long period around current levels International gold prices witnessed a sharp sell off after violating the lower band of past 18 month’s consolidation range below $1530. After recording an all-time high of $1920 levels during September 2011 gold prices have remained in a broad trading band between $1800 and $1530 levels in the last 18 months Meanwhile, domestic gold prices continued to remain in a rising trajectory till November 2012 and scaled...

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Why gold-related investments may have a long-term place

Wells Fargo Advantage Funds ® September 2012 Why gold-related investments may have a long-term place in investors’ portfolios Melissa R. Duller, CIMA®, and Olivia Barbee, CFA Wells Fargo Funds Management, LLC One of the best-performing investments over the past decade has been a nontraditional investment—gold. The price of physical gold rose from $313 per ounce at the end of August 2002 to $1,692 per ounce by the end of August 2012—a rally driven by a substantial increase in investment demand. (See Chart 1.) Chart 1 Gold prices from 2002 to 2012 demonstrate growth in demand for gold over the past decade 2,000 900 1,800 Gold price Inflation-adjusted price 800 1,600 700 ) $ ( e 1,400 c i ) 600

r $ p ( d 1,200 e e c t i 500 s r u j p 1,000 d d a l - 400 o n o G 800 i t a 300 fl n I 600 400 200 200 100 0 0 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Source: Bloomberg, 8-31-02 to 8-31-12. Past performance is no guarantee of future results. No single explanation accounts for gold’s rise. nonetheless believe that investments tied to the metal However, precious metals are often used as a hedge have an enduring place in many portfolios because against political and economic uncertainty, in part of its favorable supply/demand dynamics and its because these metals, particularly gold, are seen historically low correlation with other asset classes. as an enduring and portable store of value. The continuing aftershocks from the 2007 to 2008 credit Increased demand, limited crisis—including ongoing worries about the potential supply bode well for gold-related for debt defaults within the eurozone and debates about the U.S. debt ceiling—have served to increase investments investors’ interest in gold as a risk management tool. Rising wealth and the broadening middle class in Although gold’s long-lived rally and recent pullback developing countries such as China and India have have led many to question gold’s future trajectory, we supported the long-term trend toward increased gold purchases. Gold jewelry is a traditional gift at Indian U.S.). According to the World Gold Council, Russia has weddings, and both the Chinese and Indians view it as more than doubled its gold holdings over the past a distinctive symbol of wealth and a form of savings. five years. We also anticipate that increasingly affluent Chinese Chart 2 Sovereign gold holdings (in tonnes) have and Indian investors will purchase gold in part as begun to rise, creating another source of demand an investment alternative to stocks or real estate. 34 Such buyers tend to accumulate gold even during ) s d uncertain markets. 33 n a s u o “Chinese investors want to own assets, but they 32 h t ( s believe that real estate is overvalued and that stocks e 31 n n are manipulated by the government. So, they look o t c i to gold,” says Michael Bradshaw, portfolio manager 30 r t e of the Wells Fargo Advantage Precious Metals Fund. M 29 “Economic growth in China will likely remain sizable, even...

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Emerald, QLD Property Investment Report - AllianceCorp

AllianceCorp’s Due Diligence Process It can be very daunting to consider buying investment property in regional areas or other states. Where should you buy? What should you buy? How do you research? Who do you speak to and who do you trust? As your buyer’s advocate we take the stress out of ensuring that you build a balanced portfolio that takes advantage of changing property cycles across Australia. We make certain that you build wealth faster and also balance your portfolio with negatively, neutrally and positively geared property.

Strategy: Cash Flow Positive Property Objective: Target regions across Australia that currently offer or are forecasted to provide cash flow positive property but also show evidence of moderate to strong capital appreciation Property Type: Target new properties that offer high depreciation, stamp duty savings and higher rental yields. These types of property will offer greater peace of mind when buying interstate as you will not have to worry about the issues that come with an older existing property, such as maintenance etc. Steps: 1. Identify and research regions remotely Subscribe to all national property research companies Identify trends then target locations Contact councils, real estate agents and property managers Analyse all data 2. Field Research Visit location and conduct thorough review Interview town planners, agents, property managers, builders and locals Inspect all development sites and land estates Filter prospective properties on investment criteria Shoot video footage for investor clients A l l...

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Investment Overview - US Masters Residential Property Fund

Investment Overview The US Masters Residential Property Fund ( Fund ) was established to provide investors with a unique opportunity to gain exposure to a diversified, high quality portfolio of US-based residential property assets, providing attractive rental yields and potential for long-term capital growth. Key Benefits of the Offer Direct exposure to US The severe downturn in the US residential property market has created an historic opportunity to acquire high residential property at quality US residential property at attractive valuations. The Fund is the only Australian listed property trust with a an attractive point in primary strategy of investing directly in US residential property to take advantage of current market conditions and the cycle to benefit from a potential US

housing recovery. At 31 October 2012, the Fund had successfully secured a US$165.4 million portfolio of properties comprising High quality portfolio 430 freestanding houses and 15 multi-dwelling apartment complexes through two joint ventures. The of property investments Responsible Entity believes these properties have been acquired at highly attractive valuations. The Fund has an initial investment focus on the New York metropolitan area, which is the largest metropolitan Focus on the New York area in the US by population and economic output. The Fund is focusing on residential properties in Hudson metropolitan area County, New Jersey and more recently, Brooklyn and Harlem, New York. The Fund’s target markets are consistently ranked among the best places to live in the US for those seeking an urban lifestyle. High quality team The Fund has built a vertically integrated operating business with 38 full-time real estate professionals to with fully scalable provide a full suite of property investment functions. The Fund has also developed an in-house proprietary operations, processes database and systems to combine local level expertise with quantitative assessment of opportunities. The and proprietary Fund’s processes, technology and infrastructure are fully scalable and can be rapidly expanded to manage technology over 1,000 properties with very few additional resources. The Fund has developed an in-house construction capability to take advantage of inherent market mispricing Significant scope to of properties that require refurbishment, which typically sell for a sizeable discount even after accounting for enhance value through construction and refurbishment costs. This allows the Fund to acquire properties at highly attractive valuations, refurbishments add value and typically achieve scale benefits. Strong Despite declining terms of trade, falling interest rates and continued pressure on large parts of the Australian Australian dollar economy due to the high exchange rate, the A$ continues to trade at relative highs against the US$. The Fund seeks to take advantage of favourable financing terms and record low financing rates in the US by Attractive capital targeting a conservative consolidated gearing level of up to 50% that will enhance returns to investors while structure maintaining risk at low levels. Residential property can provide important portfolio asset allocation benefits by offering portfolio diversification given Inflation hedge and its low correlation with other widely invested assets. Additionally, rent is a significant component of the consumer uncorrelated asset price index (CPI) and provides investors and their portfolios with inflation hedging benefits. Simplified tax treatment Investors...

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Oracle Hyperion Financial Management

ORACLE DATA SHEET ORACLE HYPERION FINANCIAL MANAGEMENT REDUCE THE COST OF COMPLIANCE Oracle Hyperion Financial Management is a financial consolidation and AND DELIVER CONFIDENCE IN FINANCIAL RESULTS reporting application built with advanced Web technology and designed to be KEY FEATURES used and maintained by the finance team. It provides financial managers the • Global consolidation features ability to rapidly consolidate and report financial results, meet global • Scalable web architecture regulatory requirements, reduce the cost of compliance and deliver confidence • Unlimited dimensionality in the numbers. • Complete audit trails • Powerful reporting and analysis tools Meet Today’s Stringent Reporting Regulations • Robust data integration Many finance executives face the daunting task of consolidating their organizations’ financial KEY BENEFITS and

operating results using spreadsheets that are difficult to maintain and audit. Some are • Reduce consolidation, close, and encumbered with custom reporting solutions that don’t scale or address global requirements, reporting cycles by days or weeks and while others are dependent on general ledger-based approaches that can’t pull data from deliver timely results internally and numerous transactional systems without significant IT support. What is needed is a single externally version of the truth—one view of financial and operational results integrated from multiple • Reduce compliance costs and deliver a systems—without delays. single version of the truth through the Web to improve internal and external With Oracle Hyperion Financial Management—part of Oracle’s Hyperion Financial Close transparency Suite —organizations can improve their consolidation and reporting process and reduce • Maintain a regulatory filing to general internal control risks. Financial managers move from the role of scorekeeper to one of ledger audit trail, providing confidence in the financial results business partner—delivering financial and non-financial analysis that supports strategic and • operational management decisions. With purpose-built features, Oracle Hyperion Financial Conduct in-depth analysis of key performance and operational metrics Management is the cornerstone of sustainable compliance frameworks and helps businesses easily comply with the many different and stringent regulatory reporting regulations. • Discover new sources of profitability and Unlike solutions that depend on particular transaction systems or “all-in-one” applications that cash flow by company, product, brand, and customer segment focus unsuccessfully on many different business processes, Oracle Hyperion Financial • Realize new benefits quickly with Management provides enterprise-class functionality and depth in consolidation and reporting. packaged regulatory reporting In addition, the module is used and maintained by finance professionals—unlike data functionality Add the capabilities of a warehouse and other enterprise reporting solutions that usually require IT customization and comprehensive suite of enterprise support. performance management applications as needs and budgets dictate Improve Close Cycle Times Oracle Hyperion Financial Management can reduce consolidation and reporting cycles by days or weeks. By minimizing the need to enter, check, and double-check actual results, the finance team can spend more time on forward-looking activities. Oracle Hyperion Financial Management is an integrated part of the Oracle Hyperion Financial Close Suite which takes organizations to new levels of efficiency and automation. Reduce the Cost of Compliance Oracle Hyperion Financial Management delivers one version of the truth through the Web, thereby improving organizations’ internal and external transparency. Now, they can reduce...

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