zhaosuifeng/FinRAGBench-V · Datasets at Hugging Face

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LSE_HWDN_2021_29.png-1	What processes did Howden Joinery implement in 2021 for identifying and assessing climate-related risks?	In 2021, Howden Joinery built the outputs of their inherent climate risk assessment into operational risk registers, worked with advisors to refine their process for assessing climate risks, and adopted a risk process to capture key climate metrics and targets.	Text Inference	long	29
LSE_HWDN_2022_92.png-1	According to Annual Report & Accounts 2022 of Howden Joinery Group Plc, what are the specified conditions regarding property leases treated as short-term leases when in the process of being renewed?	Property leases treated as short-term leases when in the process of being renewed involve conditions where a new lease may not be formally signed before the old lease ends. Although the landlord and tenant agree on renewal, there is no contractual right to renew until the new lease is signed.	Text Inference	long	92
AIM_CRW_2020_57.png-4	In the reporting obligation section of the Craneware plc audit report 2020, what conditions are required for reporting material related to the going concern basis?	The auditors are required to report if there is anything material to add or draw attention to regarding the directors' statement about adopting the going concern basis, or if they identify any material uncertainties related to the Group’s and Company’s ability to continue as a going concern.	Text Inference	long	57
Financial Times Europe - 30 May 2024_8.png-1	In the article 'Food delivery apps rack up $20bn losses in fierce struggle for diners', what are the key challenges that publicly listed food delivery companies are facing post-pandemic?	Publicly listed food delivery companies are facing challenges such as increased competition, slowing growth after the pandemic-era boom, and the struggle to achieve profitability in a competitive market environment.	Text Inference	long	8
Financial Times Europe - 26 June 2024_19.png-2	Regarding 'Turbulence at Airbus shows the limits of duopoly power', how does the article describe Airbus's positioning against Boeing?	The article describes Airbus as being in a strong position compared to Boeing, having left Boeing on the runway with share prices that are performing better.	Text Inference	long	19
Financial Times Europe - 26 June 2024_19.png-5	Referring to 'China offers an open goal for Novo Nordisk’s obesity drug Wegovy', what insights are given about the pharmaceutical market in China?	The article provides insights that the obesity market in China offers significant opportunities for Novo Nordisk's drug Wegovy, emphasizing its potential for growth amid rising obesity rates in China.	Text Inference	long	19
LSE_HWDN_2022_52.png-1	According to the Annual Report & Accounts 2022 of Howden Joinery Group Plc, with respect to the Corporate governance report, what responsibilities has the board established to ensure the independence and effectiveness of internal external audit functions and the integrity of financial and narrative statements?	The board has established formal and transparent policies and procedures to ensure the independence and effectiveness of the internal and external audit functions. They monitor the integrity of financial statements of the company and any public announcements related to financial performance.	Text Inference	long	52
AIM_CRW_2021_42.png-1	According to the Annual Report 2021 of Craneware plc, with respect to compliance Statement, which specific provisions of the UK Corporate Governance Code 2018 has the Board found to be disproportionate or not relevant?	The Board identified Provision 17, which concerns the establishment of a separate nomination committee, and Provision 36, regarding the development of a formal policy for post-employment shareholding requirements, as disproportionate or not relevant.	Text Inference	long	42
AIM_CRW_2021_42.png-3	According to the Annual Report 2021 of Craneware plc, with respect to Board of Directors, who are the key individuals making up the board following Ronald Verni's departure at the end of the AGM in November 2020?	Following Ronald Verni's departure, the key individuals on the Board include Chairman William Whitehorn, Executive Directors Keith Neilson (Chief Executive Officer) and Craig Preston (Chief Financial Officer), and four non-executive Directors considered to be independent by the Board: Colleen Blye (Senior Independent Director), Russ Rudisha, Alistair Nevin, and Paul Wood.	Text Inference	long	42
NASDAQ_AMBC_2020_119.png-1	According to the Annual Report 2020 of Craneware plc, what are the regulatory restrictions imposed on Ambac UK's ability to distribute dividends?	Ambac UK is prohibited from declaring a dividend to its shareholders unless it has 'profits available for distribution.' The PRA and FCA require a 'non-objection' for any distributions, further restricting it by the indenture for Tier 2 Notes and specific agreements.	Text Inference	long	119
NASDAQ_AMBC_2020_70.png-2	According to Ambac Financial Group, Inc.'s 2020 FORM 10-K, what accounting standards have been issued but are not yet adopted by Ambac as mentioned in the document?	The not yet adopted accounting standards include Convertible Instruments and Contracts in an Entity’s Own Equity and Simplifying Income Tax Accounting.	Text Inference	long	70
AIM_CRW_2023_49.png-1	According to Craneware plc's Annual Report and Financial Statements 2023, what actions have been taken by the Board in terms of strengthening engineering leadership?	The Board appointed Abhilesh Gandhi as the Group Chief Technology Officer (CTO) to strengthen engineering leadership.	Text Inference	long	49
LSE_HWDN_2021_27.png-1	How did Howden Joinery Group achieve zero waste to landfill in 2020 and what challenges are associated with maintaining this status?	In 2020, Howden Joinery Group achieved zero waste to landfill in manufacturing and distribution by focusing on reducing waste through recycling and reusing strategies, such as the Waste Hierarchy. Challenges include achieving 98% waste avoidance and finding solutions for waste management to continue maintaining this status.	Text Inference	long	27
Financial Times UK - 12.10.2024_29.png-1	According to Financial Times UK on December 10 2024, what is the main goal of the cruise ship project led by Captain Sophie Galvagno?	The main goal of the project is to pioneer a more environmentally friendly way to see the polar regions using wind and solar power.	Text Inference	long	29
NASDAQ_SRCE_2023_71.png-1	According to SRCE 2023 Form 10-K, what criteria does the company use to assign credit quality grades to loans and leases as mentioned in the text?	Loans and leases, except residential real estate and home equity loans and consumer loans, are assigned credit quality grades on a scale from 1 to 12, with grade 1 representing superior credit quality. The assignment is based on extensions of credit that exhibit potential problems or well-defined weaknesses primarily based on the degree of risk and the likelihood of orderly repayment, and their effect on the Company's safety and soundness.	Text Inference	long	71
LSE_HWDN_2020_31.png-1	Based on the 'Sustainable supply chain' section covering the 2020 highlights of Howden Joinery Group, how many cubic meters of sustainably sourced chipboard and MDF were used in 2020?	Howden Joinery Group used 220,000 cubic meters of chipboard and 49,000 cubic meters of MDF in 2020.	Text Inference	short	31
LSE_HWDN_2020_31.png-6	According to Annual Report & Accounts 2020 of Howden Joinery Group Plc, what was the initiative 'UK depot waste backhaul' intended to achieve, and what progress had been made as of 2020?	The results from 2020 indicate that Howden Joinery Group successfully inaugurated the 'UK depot waste backhaul' initiative, with projects targeting a notable 30% decrease in waste-to-landfill through the efficient return of waste using their existing systems.	Text Inference	long	31
NASDAQ_AMBC_2023_110.png-1	Accoring to Ambac Financial Group, Inc 2023 Form 10-K, what are the legal requirements for regulated insurance companies regarding financial statements according to the document?	Regulated insurance companies are required to file quarterly and annual statutory financial statements in each jurisdiction in which they are licensed.	Text Inference	long	110
LSE_HWDN_2022_56.png-1	According to Annual Report & Accounts 2022 of Howden Joinery Group Plc, what were the responsibilities assigned to Stuart Livingstone as the new Trade Director as mentioned in the report?	Stuart Livingstone was appointed as Trade Director and will take over key parts of Andy Witts' role. He will be responsible for the day-to-day running of the depot’s trade.	Text Inference	long	56
AIM_CRW_2022_57.png-2	How has Craneware plc shown its commitment to social responsibility and environmental policy in its annual report?	Crane Group has demonstrated its commitment by adhering to the guidelines of the Environmental, Social, and Governance Statement. The Group promotes sustainable business operations and actively works on minimizing environmental impact, with a detailed report scheduled under SECR regulations for the year ending 30 June 2022 found on page 46.	Text Inference	long	57
NASDAQ_AMBC_2021_55.png-1	According to Ambac Financial Group's 2021 Form 10-K, what are the primary reasons for the decrease in losses and loss expenses for the year ended December 31, 2021?	The decrease in losses and loss expenses for 2021 was mainly due to favorable loss development in domestic public finance, particularly related to Puerto Rico, and structured finance, primarily related to improved credit in RMBS, partially offset by the negative impact of discount rates.	Text Inference	long	55
NASDAQ_AMBC_2023_100.png-1	According to Ambac Financial Group, Inc's 2023 Form 10-K, what financial instruments are primarily used by Ambac for managing interest rate risk?	Ambac primarily uses interest rate swaps and exchange traded futures contracts for managing interest rate risk.	Text Inference	long	100
NASDAQ_SRCE_2023_66.png-1	In SRCE's 2023 Form 10-K, how did the company determine that goodwill was not impaired during the fourth quarter of 2021 and 2022?	The company performed impairment analyses in each quarter of 2021 and 2022, and management determined that the conditions no longer represented a triggering event requiring quarterly analyses. This led to the conclusion that goodwill was not impaired.	Text Inference	long	66
FInancial Times UK - 9.10.2024_25.png-3	According to Financial Times UK on October 9 2024, regarding the LG Energy article, what warning signs are being highlighted about electric vehicle sales?	The article highlights concerns regarding declining demand for electric vehicles in South Korea and other issues affecting LG Energy, such as production cuts and a need for vigilance despite government incentives.	Text Inference	long	25
FInancial Times UK - 9.10.2024_25.png-5	According to Financial Times UK on October 9 2024, in the LG Energy section, what specific production strategy is mentioned that could address the slowing demand for electric vehicles?	To cope with slowing demand, LG Energy is considering reducing its planned production volumes and selectively enhancing consumer incentives.	Text Inference	long	25
LSE_HWDN_2021_36.png-3	According to the Annual Report and Accounts 2021 of Howden Joinery Group Plc, what are the three scenarios outlined in the assessment of viability, and how do they differ in terms of revenue growth and cash flow forecasts?	1. Base Case: Assumes increases in sales and profits, supporting strategic priority areas. 2. Severe but Plausible Downturn: Assumes decline in sales and profits initially, with gradual recovery over three years. 3. Reverse Stress Test: Assumes slow recovery with less confident outcomes, investing only within existing cash resources.	Text Inference	long	36
NASDAQ_SRCE_2021_26.png-1	According to SRCE's 2021 Form 10-K, what specific risks are associated with fluctuations in interest rates, and how might these affect the company's profitability and asset value?	The document states that fluctuations in interest rates could reduce profitability and affect asset value by causing changes in net interest spread, asset quality, origination volume, and overall profitability. Market interest rates affect loan and lease volumes, deposit costs, and the relationships of various interest rates to each other, potentially leading to imbalances.	Text Inference	long	26
NASDAQ_SRCE_2021_26.png-3	According to SRCE's 2021 Form 10-K, what dollar amount of loans directly or indirectly influenced by LIBOR existed as of December 31, 2021, and what potential challenges does the transition away from LIBOR present?	As of December 31, 2021, the document indicates approximately $1.1 billion of loans and other financial instruments are influenced by LIBOR. The LIBOR transition challenges include potential adversarial impacts on financial markets, increased litigation risks, regulatory scrutiny, and the selection of appropriate alternative benchmarks that suit the company's needs.	Text Inference	long	26
Financial Times UK - 12.10.2024_49.png-1	In the article titled 'Care costs: could they put your retirement years at risk?', what are the key concerns regarding care costs for retirees as highlighted by Alex Kempshall?	The key concerns highlighted by Alex Kempshall include the rapid increase in care home costs, which can exceed £84,000 a year, and the financial burden it places on his retirement savings as he requires help with daily activities due to multiple sclerosis.	Text Inference	long	49
Financial Times UK - 12.10.2024_49.png-6	In the article titled 'Care costs: could they put your retirement years at risk?', What are the reported financial challenges for retirees in the UK who require long-term care?	Retirees in the UK face significant financial challenges, including high care home costs exceeding £84,000 annually, and limited access to government-funded support, requiring them to use personal savings.	Text Inference	long	49
Financial Times Europe - 29 June 2024_19.png-5	Based on the 'Small-caps need special attention' segment, what changes to the UK market overhaul are necessary to accommodate small-cap entities?	There is a need for a revised regulatory framework to accommodate small-caps, ensuring they are better able to access capital and compete with larger firms, potentially involving adjustments in trading systems and taxation policies that support smaller enterprises.	Text Inference	long	19
NASDAQ_AMBC_2020_30.png-1	In the Ambac Financial Group 2020 FORM 10-K document, what are the potential reasons identified that could lead to lower-than-expected recoveries in securitizations where AAC is involved as an insurer?	The potential reasons for lower-than-expected recoveries in securitizations where AAC is involved as an insurer include adverse developments with respect to variables that negatively impact AAC's financial condition, such as changes in estimates of RMBS litigation recoveries and the performance of the assets backing the obligations that AAC insures.	Text Inference	long	30
NASDAQ_AMBC_2020_30.png-3	Within the Ambac Financial Group 2020 FORM 10-K, what does the section on 'Revenues and cash flow' imply about the future potential challenges the company might face?	The section suggests that a decline in the realization of installment premiums could adversely affect revenues and cash flow. This is because a significant portion of Ambac's revenue is derived from installment premiums, which could fluctuate due to various factors.	Text Inference	long	30
NASDAQ_AMBC_2021_139.png-1	Based on the 'Notes to Consolidated Financial Statements' section of the AMBAC Financial Group's 2021 Form 10-K, what is the company's involvement in legal proceedings?	AMBAC Financial Group is involved in various routine legal proceedings, including litigation with present or former employees and litigation arising from corporate governance issues. These legal actions are routine and incidental to the conduct of its business.	Text Inference	long	139
NASDAQ_AMBC_2021_139.png-3	What information is presented about the 'Student Loans Exposure' related to CFPB in the Consolidated Financial Statements of 2021 Form 10-K?	In the AMBAC Financial Group's 2021 Form 10-K, under 'Student Loans Exposure', a case was filed on September 18, 2017, by CFPB v. National Collegiate Master Student Loan Trust regarding alleged improprieties and deficiencies in servicing practices.	Text Inference	long	139
NASDAQ_AMBC_2022_51.png-1	In the 2022 FORM 10-K of Ambac Financial Group, Inc., what was the net investment income from Legacy Financial Guarantee Insurance?	The net investment income from Legacy Financial Guarantee Insurance was primarily driven by contract adjustments rather than significant new income flows, with income amounts not separately specified.	Text Inference	long	51
AIM_CRW_2022_21.png-1	According to Craneware plc's Annual Report and Financial Statements 2022, what are the main issues faced by the healthcare organisations in the 'Complex Market Dynamics' section?	The main issues include the post-COVID-19 environment, staffing shortages, inflation, Russia's invasion of Ukraine, supply chain issues, increased healthcare-related legislation, and pressure for consumerisation.	Text Inference	long	21
AIM_CRW_2023_64.png-3	What policies does Craneware plc have regarding employment of disabled persons and how are these executed?	Craneware plc ensures that applications for employment by disabled persons are fully considered, and training, career development, and promotion of a disabled person should be identical to that of a person who does not suffer from a disability.	Text Inference	long	64
AIM_CRW_2021_31.png-1	In the Social Responsibility and Sustainability Statement of Craneware's Annual Report 2021, what key components are included in Craneware's Business Ethics Policy?	Craneware's Business Ethics Policy mandates a mandatory policy for all employees and any contractors or consultants and explains the process for reporting ethics violations. It also ensures that no form of human trafficking or slavery is permitted in their business or supply chain.	Text Inference	long	31
AIM_CRW_2021_31.png-3	In the Annual Report 2021, how does Craneware's Whistleblowing Policy contribute to their corporate governance governance measures?	The Whistleblowing Policy allows employees and contractors to anonymously raise concerns regarding financial reporting or other matters. Craneware's Board of Directors is responsible for reviewing these arrangements and addressing any arising reports.	Text Inference	long	31
NASDAQ_AMBC_2022_65.png-1	What are the significant differences between GAAP and SAP as outlined in the document regarding the treatment of loss reserves?	Under GAAP, loss reserves are established for obligations that have not yet experienced credit deterioration, whereas under SAP, they are only established for obligations that have already experienced a payment default.	Text Inference	long	65
NASDAQ_AMBC_2022_65.png-3	According to Ambac Financial Group, Inc.'s 2022 Form 10-K, what factors are included in the calculation of loss reserves as mentioned in the document?	Factors include the estimated present value of the anticipated default debt service payments, estimated recoveries, changes in the fair value of pooled funds and other investments at fair value, realized gains and losses, and changes in foreign exchange rates.	Text Inference	long	65
LSE_HWDN_2021_45.png-1	In the Howden Joinery Group's corporate governance report, what is the primary method used for engaging with trade customers according to the text?	The primary method of engaging with trade customers is through conversations at the local depot.	Text Inference	long	45
Financial Times UK - 12.10.2024_71.png-1	In the FTWeekend article 'A London lost to time,' what was the primary architectural influence behind the Victorian houses discussed in the piece?	The primary architectural influence behind the Victorian houses discussed in the article is the arts and crafts movement, with a focus on eclectic and individual interior designs.	Text Inference	long	71
LSE_HWDN_2020_42.png-1	In the Howden Joinery Group's corporate governance report, what were the three main areas of focus outlined in 'The Board's response' to address the challenges posed by COVID-19?	1. Keeping employees and customers safe. 2. Prudent cash management and preservation, and viability. 3. Consideration of strategic opportunities for the future, only once the first two had been established.	Text Inference	long	42
NASDAQ_AMBC_2022_14.png-1	According to Ambac Financial Group, Inc.'s 2022 Form 10-K, what are the three principal businesses operated by Ambac?	The three principal businesses are Legacy Financial Guarantee (LFG) Insurance, Specialty Property and Casualty Insurance, and Insurance Distribution.	Text Inference	long	14
NASDAQ_AMBC_2022_14.png-3	According to Ambac Financial Group, Inc.'s 2022 Form 10-K, describe the role of Ambac UK and Ambac Assurance UK Limited in the context of financial guarantee insurance.	Ambac UK and Ambac Assurance UK Limited made payments if the obligor responsible for making payments failed to do so when due. Ambac and Ambac UK wrote the last insurance policy in 2008 and have been in run-off ever since.	Text Inference	long	14
AIM_CRW_2021_49.png-1	According to the Corporate Governance Report from the Annual Report 2021 of Craneware, what criteria must be met for external auditors to be appointed to provide non-audit services?	The external auditors must not audit their own work, make management decisions for the Group, create a conflict of interest, or find themselves in the role of an advocate for the Group.	Text Inference	long	49
NASDAQ_AMBC_2021_104.png-1	Regarding Ambac Financial Group's valuation techniques for fixed maturity securities, what are the different levels of fair value hierarchy mentioned in the document?	The document mentions three levels in the fair value hierarchy for fixed maturity securities: Level 2 and Level 3. Level 2 securities have fair values based on market correlations or readily observable data, using various valuation models. Level 3 securities are those with significant unobservable inputs.	Text Inference	long	104
NASDAQ_AMBC_2020_multipage_157-159.png-3	According to Ambac Financial Group, Inc.'s financial report in 2020, regarding to the material contract and management compensation plans, which agreement was dated most recently?	The most recent agreement is the Purchase Agreement, by and among, Ambac Assurance Corporation, Ambac Financial Group, Inc. and certain funds or accounts affiliated with or managed by CVC Credit Partners, LLC, CVC Credit Partners Investment Management Limited and EJF Capital LLC, dated as of January 19, 2021	Table-Multipage	long	157,158,159
NASDAQ_SRCE_2021_multipage_61-62.png-1	According to the SRCE's annual report in 2021, regarding to its consolidated statements of cash flows, how much has the net change in demand deposits and savings accounts decreased for 2021 compared to 2020?	$53,586 thousands	Table-Multipage	short	61,62
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_68-70.png-3	According to the Mutual Evaluation Report of EL Salvador, in the case involving the Presidency of the Republic, how were funds misappropriated and what percentage of the funds were transferred to personal accounts at the BH as 'reserved expenses and transport' with the Ministry of Finance's approval?	Funds amounting to USD 677,418,176.76 were misappropriated from the budget of the Presidency, with 50.92% of the funds transferred following the approval of the Ministry of Finance.	Table-Multipage	long	68,69,70
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_181-182.png-4	According to the Mutual Evaluation Report of EL Salvador, how many times of Tax evasion happens in 2019?	5	Table-Multipage	short	181,182
2022年全球经济展望+（英文版）_multipage_163-164.png-3	What was the estimated quarterly GDP growth rate for the United States and Brazil in the first quarter of 2021 according to the global economic prospects, which country is has a higher GDP growth rate?	United States: 0.5%, Brazil:1.3%, Brazil is higher	Table-Multipage	short	163,164
AIM_CRW_2021_multipage_51-52.png-1	What are the main elements of the executive Director remuneration package as described in the Remuneration Committee's Report for Craneware plc in 2021?	The main elements of the executive Director remuneration package are: basic salary, pension entitlement, benefits in kind, annual performance related bonus, and share-based awards.	Text-Multipage	long	51,52
气候政策倡议组织（CPI）：2024年欧洲养老基金净零转型状况欧洲养老基金净零转型状况报告（英文版）_multipage_44-45.png-2	What is the total size of the Green bond funds and Equity funds, expressed in USD, according to the report in the State of European Pension Funds’ Net-Zero Transition?	USD 4.17 billion	Table-Multipage	short	44,45
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_93-94.png-4	In the Mutual Evaluation Report of El Salvador, according to CONAB, calculate the amount that forfeited property changed from 2019 to 2023.	increased $518,393.8	Table-Multipage	short	93,94
NASDAQ_AMBC_2021_multipage_71-80.png-4	According to Ambac Financial Group, Inc.'s annual report in 2021, what methods did the auditors use to ensure the effectiveness of internal controls related to loss reserves estimation?	To ensure the effectiveness of internal controls related to loss reserves estimation, the auditors evaluated the design and tested the operating effectiveness of certain internal controls. They also inquired of internal and external legal counsel and read letters received directly from the Company’s internal and external legal counsel. Furthermore, they involved credit risk professionals, involved forensics professionals, and involved valuation professionals	Table-MultiPage	long	73,74
NASDAQ_TSBK_2021_multipage_81-90.png-3	How did the total cash and cash equivalents of Timberland Bancorp, Inc. and its total shareholders' equity change from 2020 to 2021?	The total adjustments increased $226,202 thousands, and its total shareholders' equity increased $19,269 thousands	Table-MultiPage	long	84,85
NASDAQ_SRCE_2022_multipage_21-30.png-3	According to SRCE's 2022 annual report, how does the Dodd-Frank Act impact various aspects of financial institutions, and what are the specific implications for the company's operational costs and ongoing compliance efforts?	The Dodd-Frank Act impacts financial institutions by altering regulations, affecting all sizes of institutions, and imposing higher capital requirements. It establishes the CFPB within the Federal Reserve and transfers consumer protection responsibilities to it. The company has faced increased operational costs due to compliance and expects these costs to continue.	Text-MultiPage	long	22,23
LSE_HWDN_2023_multipage_31-40.png-2	What does the strategy outlined by the Task Force on Climate-Related Financial Disclosures (TCFD) in the 2023 Annual Report of Howden Joinery Group Plc include?	In Howden Joinery Group Plc's 2023 Annual Report, the strategy concerning the Task Force on Climate-Related Financial Disclosures (TCFD) is focused on several key areas. Firstly, the company's climate risk assessment has not identified any significant short or medium-term climate-related risks. Additionally, there is an ongoing effort to engage with the supply chain to gather further data on ESG risks and opportunities. The company has also conducted physical climate risk assessments and integrated climate-related risk screening into its due diligence processes for major capital expenditures. Lastly, they have developed draft climate impact scenarios and plan to refresh their scenario analysis in 2024, while continuing to explore various decarbonization options.	Text-MultiPage	long	32,33
NASDAQ_AMBC_2023_multipage_51-60.png-3	Reviewing the 2023 Ambac Financial report, how did the changes in the allowance for credit losses on the premium receivable asset and the accelerated financial guarantee premiums earned due to calls and other accelerations on insured obligations contribute to the decrease in net premiums earned for the year ended December 31, 2023?	The decrease in net premiums earned for the year ended December 31, 2023, was influenced by changes to the allowance for credit losses on the premium receivable asset and the reduction in accelerated financial guarantee premiums earned due to calls and other accelerations on insured obligations. The positive impact on net premiums earned related to credit losses amounted to $1 for 2023 and $4 for 2022, indicating a decrease in the positive impact. Accelerated financial guarantee premiums earned were $0 for 2023 and $8 for 2022, showing a reduction in this type of premium.	Table-MultiPage	long	51,52
FINAL PROOF for Online Posting PDFS_2024ProxyStatement No blank pages_multipage_51-60.png-3	According to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting & Proxy Statement, what is the total number of shares held by the company's current directors and executive officers as a group, what is their percent of the class, and how many of these shares are expected to vest within 60 days after April 19, 2024?	The total number of shares held by the company's current directors and executive officers as a group is 4,272,669. Their percent of the class is 11.13%. Out of these shares, 2,790 are expected to vest within 60 days after April 19, 2024.	Table-MultiPage	long	54,55
NASDAQ_AMBC_2021_multipage_131-140.png-1	In the 2021 Ambac Financial Group, Inc. 10-K report, how much did Ambac's total pre-tax income (loss) and provision for income taxes increased from 2020 to 2021?	The pre-tax income (loss) increased $442 millions, and the provision for income taxes increased $21 millions	Text-MultiPage	long	131,132
NASDAQ_TSBK_2020_multipage_81-90.png-1	According to Timberland Bancorp, Inc. and Subsidiary's report, what is the difference between total non-interest income and total non-interest expense for the year ended December 31, 2020?	-$16,875 thousands	Text-MultiPage	short	81,82
AIM_CRW_2022_multipage_121-130.png-1	Based on Craneware plc Annual Report 2022, compare the net book value changes from 30 June 2021 to 30 June 2022 across both property, plant and equipment, and intangible assets for the group.	For property, plant, and equipment (Group), the net book value increased from $1,992,000 at 30 June 2021 to $2,572,000 at 30 June 2022. For intangible assets (Group), the net book value increased from $11,188,000 at 30 June 2021 to $237,646,000 at 30 June 2022.	Table-MultiPage	long	121,123
NASDAQ_ARCB_2022_multipage_1-10.png-4	How does ArcBest describe its vision and strategic approach to business in the 2022 Annual Report?	ArcBest's vision is encapsulated in the statement 'We’ll Find a Way,' which emphasizes their commitment to problem-solving and customer satisfaction. Their strategic approach focuses on expanding revenue opportunities, balancing their revenue and profit mix, and optimizing costs. By deepening customer relationships, deploying tailored solutions, and leveraging technology, they aim for long-term value creation for customers, employees, and shareholders.	Text-MultiPage	long	8,9
NASDAQ_ARCB_2022_multipage_71-80.png-1	Regarding ArcBest Corporation's financial performance, how did net income evolve over the years 2021 to 2022, and what were the total assets during this period?	ArcBest Corporation's net income showed a significant growth from 2021 to 2022. In 2021, the net income was $213,521 thousands, and increased to $298,209 thousands in 2022. Correspondingly, the total assets also rose from $2,112,676 thousands to $2,494,286 thousands.	Text-MultiPage	long	71,72
NASDAQ_AAON_2023_multipage_31-40.png-5	In terms of cybersecurity strategies discussed in AAON's report, how does the company ensure secure IT operations and manage associated risks?	The company ensures secure IT operations by integrating recognized cybersecurity standards and practices, using layered security architectures, and engaging third-party assessors for penetration testing and incident response. Continuous employee training on cybersecurity threats and mock phishing simulations are conducted for proactive preparedness. The board and audit committee are involved in regular reviews and updates of cybersecurity controls, ensuring robust governance of their cybersecurity risk management strategy.	Text-MultiPage	long	31,32
NASDAQ_SRCE_2021_multipage_41-50.png-2	In relation to the SRCE's 2021 annual form, what were the standout factors affecting automobile and light truck loan performance and rates during 2021?	During 2021, automobile and light truck loans remained strong due to customers maintaining fleet levels amidst concerns about vehicle supply in the spring. The sector saw new client relationships and strategical refinancing in step van portfolios. However, challenges were present due to high charge-off rates from previous years, leading to a slight downward adjustment in qualitative factors.	Text-MultiPage	long	42,43,44,46,47,48,49
NASDAQ_SRCE_2021_multipage_41-50.png-3	Analyze how First Source Bank's overall exposure to mortgage loans was influenced by economic conditions in 2021 as detailed in SRCE's annual form in 2021.	First Source Bank's exposure to mortgage loans in 2021 was influenced by various economic conditions, including low interest rates that encouraged refinancing, and COVID-19 related fiscal stimuli like PPP loans. Additionally, challenges such as the predicted interest rate hikes and inflation posed potential risks. The allowance for loan losses was adjusted to reflect these changes, decreasing to $127.49 million, highlighting better credit quality due to government stimulus.	Text-MultiPage	long	42,43,44,45,46,47
AIM_CRW_2023_multipage_51-60.png-2	How does the Craneware Group engage with its various stakeholder groups like customers, employees, and community according to the 2023 Annual Report?	Craneware Group engages with customers through initiatives that enhance the customer experience and offer support services. Employee engagement is supported by a framework aligned with company values, assessed through surveys, and senior management and the Board actively consider feedback. Community engagement is conducted via the 'Craneware Cares' initiative focusing on charitable giving and volunteering.	Text-MultiPage	long	52,53
NASDAQ_AMBC_2022_multipage_91-100.png-4	According to the AMBAC's 2023 annual financial report, wHow does the company manage and report its revenue recognition and related contract obligations in accordance with ASC guidelines?	The company recognizes revenue by identifying contracts, identifying performance obligations, determining transaction prices, and allocating these to performance obligations. Revenue from insurance policies is recognized upfront, with claims servicing revenue recognized over the claim adjustment period. Revenue consists of base and profit-sharing commissions, estimated to avoid significant future revenue reversals. Contract assets and liabilities are reported on the Consolidated Balance Sheet as other assets and liabilities.	Table-MultiPage	long	91,92
NASDAQ_SRCE_2023_multipage_11-20.png-5	According to SRCE's 2023 annual report, how does 1st Source Corporation address Diversity, Equity, and Inclusion according to the document?	1st Source Corporation emphasizes diversity and inclusion as central to their values, using a multidimensional approach. As of December 31, 2023, they had 1,170 colleagues and have achieved the recognition of having over 21% new diverse hires. They emphasize diversity in leadership, with 42% of the Board being women or minorities. Additionally, all new employees undergo unconscious bias training within six months.	Text-MultiPage	long	18,19
NASDAQ_AMBC_2022_multipage_61-70.png-1	In the Ambac Financial Group's annual report in 2022, how much has the structured finance's gross par outstanding for Legacy Financial Guarantee from December 31, 2021 to December 31, 2022, and specify the reasons for these changes.	$321 millions	Table-MultiPage	long	61,62
NASDAQ_SRCE_2021_multipage_1-10.png-3	What social responsibility efforts did 1st Source Corporation engage in during 2021?	In 2021, 1st Source Corporation engaged in a variety of social responsibility efforts. They remained focused on environmental sensitivity, encouraging initiatives such as recycling and the use of eco-friendly products. The company also emphasized financial literacy, providing education programs and courses to individuals and businesses. Furthermore, 1st Source participated in community engagement through volunteer activities aimed at combatting poverty and increasing educational opportunities, particularly for low-income students.	Text-MultiPage	long	8,9
LSE_HWDN_2022_multipage_71-80.png-3	What updates were provided to the Audit Committee regarding cyber and information security and how was it addressed, according to Howden Joinery Group Plc's annual report in 2022?	Updates on cyber and information security were provided to the Audit Committee by the Head of Information Security and the Director of Infrastructure and Service Delivery during meetings in April and July. The Committee noted in September that, besides developing technical controls to mitigate the increasing risk of a cyber security incident, a revised strategy for Security Governance was implemented to ensure clear direction to the business. The company also reported no significant information security breaches during the year and no such breaches in the preceding three-year period.	Text-MultiPage	long	23,73
NASDAQ_AAON_2021_multipage_11-20.png-5	What were the main objectives and outcomes of AAON's national sales event held in October 2021, and how did it reflect the company's strategy towards enhancing market penetration and supporting its channel partners?	AAON's national sales event in October 2021 was a significant gathering, marking the first of its kind since 2017. The company invested about $1 million to engage with its sales partners, focusing on communicating its long-term vision and supporting them more effectively. Key highlights included introducing new marketing tools, showcasing a new manufacturing facility in Texas, and unveiling a state-of-the-art showroom trailer to demonstrate AAON's equipment and technology. The event also served to introduce new products designed to enhance market penetration and support channel partners, reflecting AAON's commitment to strengthening its product offerings and partnerships.	Text-MultiPage	long	11,12,13
AIM_CRW_2020_multipage_61-70.png-5	According to the Craneware plc's annual report in 2020, what are the intangible assets for the company?	Goodwill, Proprietary software, Contractual customer relationships, Research and Development expenditure, Computer software.	Text-MultiPage	long	67,68
NASDAQ_AMBC_2022_multipage_11-20.png-1	What strategies does Ambac Financial Group employ to do the Credit Risk Management (CRM)?	The strategies include: Control Rights and Watch List and Adversely Classified Credits. First, in certain structured finance transactions, Ambac and its subsidiaries may act as the control party, directing actions in response to contractual defaults or trigger events. This includes managing requests for amendments, consents, and waivers based on credit factors such as the issuer's ability to repay and the security features of the bonds. Second, Ambac closely monitors watch list and adversely classified credits, tailoring review schedules to ensure timely action and proper resource allocation. Developments and trends in these credits are summarized and reported to the Boards of Directors at least quarterly.	Text-MultiPage	long	16,17
NASDAQ_AMBC_2020_multipage_31-40.png-5	In the annual report of Ambac Financial Group, Inc. in 2020, explain why the system security risks, data protection breaches and cyberattacks could adversely affect their business and results of operations?	Ambac Financial Group's 2020 annual report identifies system security risks, data breaches, and cyberattacks as significant threats to business operations. The company's heavy reliance on IT systems for critical functions makes it vulnerable to disruptions from unauthorized access, viruses, and cyberattacks. These threats could lead to data breaches, financial losses, regulatory actions, and damage to reputation. The costs to mitigate these issues and the potential failure of disaster recovery plans could further impact Ambac's business continuity and financial results.	Text-MultiPage	long	32,33
FINAL PROOF for Online Posting PDFS_2024ProxyStatement No blank pages_multipage_101-110.png-5	Discuss the effect of a change in control according to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting and Proxy Statement.	According to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting and Proxy Statement, a change in control can lead to full vesting of all outstanding and unvested awards for participants. This means they can exercise all their outstanding options and SARs, including shares that wouldn't otherwise be vested or exercisable. If an award isn't continued after a change in control, it becomes fully exercisable for 15 days from the notice, then terminates. If service is terminated without cause within 24 months post-change, the award also fully vests.	Text-MultiPage	long	100,101
LSE_HWDN_2022_multipage_11-20.png-2	How has Howden Joinery Group addressed environmental sustainability in its 2022 operations and what projections are made for future activities regarding to Howden Joinery Group Plc's Annual Report & Accounts 2022?	In 2022, Howden Joinery Group made significant strides toward environmental sustainability by achieving carbon neutral manufacturing at key sites and reducing emissions through renewable energy use. The company plans to extend these efforts by committing to reduce emissions throughout its supply chain and continuing investments in sustainable materials.	Text-MultiPage	long	12,13,20
NASDAQ_AMBC_2021_multipage_31-40.png-5	Summarize the challenges and external factors that could negatively impact Ambac Financial Group's future business development as documented in their annual report.	Ambac faces several challenges that threaten its growth, including heightened competition within the industry, legal and regulatory uncertainties, economic factors such as interest rate fluctuations, and internal strategic challenges such as integrating acquisitions or growth initiatives. Additionally, the company's ability to innovate and adapt to market changes, as well as their dependency on third-party technology and services, are risks that could adversely impact operations and impede business development.	Text-MultiPage	long	31,32,33,34,35,36
NASDAQ_ARCB_2022_multipage_41-50.png-4	Please analyze the impact of economic factors on the pricing and revenue structure of ArcBest Corporation's Asset-Based segment?	ArcBest Corporation has adjusted its pricing strategies to counteract economic fluctuations affecting the Asset-Based segment. With economic cycles influencing demand variability, pricing was adapted to account for factors like freight demand, pricing surcharges, and shipment density. The segment saw significant improvements in billed revenue per hundredweight, driven by higher fuel surcharges and strategic price adjustments. Price increments in 2022 were achieved through substantial rate adjustments, yielding higher revenue metrics, while operational adaptations helped manage cost structures amid varying economic pressures.	Text-MultiPage	long	null
AIM_CRW_2023_multipage_43-44.png-2	What charitable activities and donations did Craneware Cares undertake to support various communities and charitable causes globally during the fiscal year ended June 30, 2023?	During the fiscal year ending June 30, 2023, Craneware Cares supported communities and charities through several initiatives: 1. Hosted a golf tournament and auction for Action for Children. 2. Participated in the Pentlands Peaks Challenge to raise charity funds. 3. Donated art kits and clothing to disadvantaged children in Edinburgh. 4. Supported elder care and animal charities through fundraisers in the US. 5. Raised over $4,500 for men's health during Movember. 6. Aided disaster relief efforts in Florida, Turkey, and Syria. 7. Donated office supplies to a US elementary school and funded student t-shirts. 8. Contributed to UK charity auctions for Cancer Research UK and The Yard. These efforts show Craneware Cares' dedication to charitable support and community needs.	Text-MultiPage	long	43,44
AIM_CRW_2022_multipage_35-36.png-2	What measures did Craneware Cares take to ensure shareholder participation and communication during the November 2022 Annual General Meeting (AGM), especially considering the impact of COVID-19?	For the November 2022 AGM, Craneware Cares aimed to hold a standard meeting open to all shareholders. Given COVID-19 uncertainties, they encouraged proxy voting and allowed shareholders to submit questions via email in advance. Responses were provided post-meeting, ensuring participation despite pandemic challenges.	Text-MultiPage	long	35,36
AIM_CRW_2022_multipage_57-58.png-2	How does the Craneware Group ensure employee engagement and well-being, and maintain an inclusive and open work environment?	The Craneware Group ensures employee engagement and well-being by providing clean, healthy, and safe working conditions, regularly reviewing policies for training, risk assessment, safe working, and accident management, establishing a Health and Safety Committee, maintaining an inclusive work environment and a culture of openness, providing equal opportunities, facilitating the development of employee skills, adopting a fair remuneration policy, and encouraging employee involvement in the Group's performance through share schemes. Additionally, the Group does not tolerate any form of harassment, prohibits discrimination based on various factors, and actively promotes its core values.	Text-MultiPage	long	57,58
AIM_CRW_2022_multipage_69-70.png-2	What were the main responsibilities and activities of Craneware's Audit Committee in 2022?	In 2022, Craneware's Audit Committee was responsible for reviewing and monitoring interim and annual reports, ensuring the integrity of the Annual Report and Financial Statements, tracking developments in accounting and reporting requirements, evaluating matters of accounting significance, estimation, and judgment, considering disclosure matters, assessing the systems of internal control and their effectiveness, reviewing the external auditors' plans and independence, auditing fees, formal engagement terms, tax compliance services, and the Committee's effectiveness.	Text-MultiPage	long	69,70
AIM_CRW_2021_multipage_64-65.png-2	What key measures has Craneware Group taken to identify and assess the risks of financial statement fraud?	Craneware Group has taken the following five key measures to identify and assess the risks of financial statement fraud: 1. Inquiries of management regarding known or suspected instances of non-compliance with laws and regulations, claims and litigation, and instances of fraud. 2. Understanding of management's controls designed to prevent and deter irregularities. 3. Review of board minutes. 4. Challenging management on assumptions and judgments made in their significant accounting estimates. 5. Identifying and testing journal entries, including those with unexpected account combinations impacting revenue, and those with expected words contained within the description.	Text-MultiPage	long	64,65
AIM_CRW_2020_multipage_48-49.png-2	How does Craneware Group design its executive directors' remuneration package to ensure they are motivated to achieve the company's objectives?	Craneware Group's remuneration package for executive directors includes the following five key points:1. Basic Salary: Reviewed annually or when there is a change in an individual's position or responsibilities, and typically paid as a fixed cash sum monthly. 2. Pension Entitlement: The company operates an open enrollment pension scheme for all UK employees, including executive directors, matching employee contributions up to 4% of the basic salary. Additionally, a fixed sum is paid to a personal pension plan on behalf of the Chief Executive Officer. 3. Benefits in Kind: Executive directors are entitled to private medical insurance, life insurance, and permanent health insurance. 4. Annual Performance-Related Bonus: Based on targets set by the Committee, executive directors are eligible to earn a cash bonus (non-pensionable) reflecting challenging financial performance in the current year and supporting future growth of the Group. 5. Share Options and LTIP Awards: Historically, the company has operated employee share plans, and at the discretion of the Committee, executive directors and other employees (including senior management) could be granted share-based awards.	Text-MultiPage	long	48,49
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_35-37.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what are the key findings and recommended actions regarding El Salvador's AML/CFT policies and coordination?	Key findings include: El Salvador has indeed made progress in AML/CFT policy and coordination, including:1. Establishing the National Risk Assessment (NRA). 2. Establishing the Financial Intelligence Unit (FIU). 3. Forming the Inter-Agency Committee (CIPLAFT). 4. Understanding of ML Risks. 5. Good Coordination Among Authorities. 6. Establishing the Inter-Agency Committee (CIPLAFT). 7. Taking Measures to Address Risks. 8. Progress in Risk Identification and Coordination. Recommended actions include: 1. Update virtual asset risk assessments. 2. Assess terrorist financing risks. 3. Raise awareness on NRA findings. 4. Strengthen outreach to DNFBPs. 5. Implement the National ML/TF Strategy 2023-2025. 6. Define CIPLAFT's legal framework. 7. Allocate more resources to AML/CFT authorities. 8. Strengthen databases for NRA updates. 9. Address money laundering in environmental crime. 10. Formalize law enforcement cooperation.	Text-MultiPage	long	35,36,37
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_50-52.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what AML/CFT challenges does El Salvador face in terms of legal systems and operational issues?	El Salvador faces several AML/CFT challenges regarding legal systems and operational issues, including: 1. The use of financial intelligence is still in the process of consolidation, with a limited number of cases originating from an FIU's FIR. 2. The Operational Analysis Unit appears to be operating at the limits of its capacity, limiting the production of financial analysis. 3. Despite fluid communication between the FIU and FGR, there is a need for better utilization of financial intelligence reports in judicial investigations. 4. The FIU's UAE is a recent creation and has not yet produced any studies related to TF risks. 5. The quality of STRs received by the FIU is still low in some cases, affecting the analysis and production of financial intelligence. 6. The FIU faces limitations in accessing timely, accurate, and updated information, impacting the scope of financial intelligence produced.	Text-MultiPage	long	50,51,52
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_58-59.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what databases can the FIU access when requesting information?	The FIU can access the following databases: 1. PNC - Register of arrests and police records. 2. CNR - Purchase and sale of real estate, deeds of incorporation and amendments thereto, balance sheets and credentials of the board of directors. 3. RNPN - Identity information of natural persons subject to analysis. 4. DGII - Tax reporting systems, income tax and VAT returns, fiscal opinion, individual taxpayer register and capital gains form. 5. DGA - Import and export declarations and reports, importer's registration number. 6. DGME - Report on the entry and exit of natural persons subject to analysis. 7. SERTRACEN - Registration of ownership and history of vehicles, general driving license data. 8. SSF - Details of active products of natural and legal persons subject to analysis. 9. MOP - Register of suppliers and construction permits. 10. ISSS - Pension contribution forms of individuals subject to analysis and those listed as employers. 11. FGR (link) - Copies of the purchase and sale of real estate and the single identity card. 12. BINANCE - File with transaction and personal information of a virtual wallet listed as customer.	Text-MultiPage	long	58,59
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_76-77.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what percentage of the total staff in September 2023 were allocated to the Intellectual Property and Private Property Crimes Prosecution Unit?	In September 2023, the Intellectual Property and Private Property Crimes Prosecution Unit had 241 staff members out of a total of 518. Therefore, the percentage of total staff in this unit was approximately 46.52%.	Table-MultiPage	long	76,77
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_84-85.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, during the period from 2019 to 2023, which type of predicate offense associated with money laundering (ML) had the highest number of cases, and what percentage of the total cases did it account for?	During the period from 2019 to 2023, the type of predicate offense associated with money laundering (ML) that had the highest number of cases was 'Aggravated extortion (article 3 LEDE),' with a total of 4,614 cases, accounting for 25.02% of the total 18,439 cases.	Table-MultiPage	long	84,85
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_86-87.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, among the predicate offenses associated with money laundering (ML) convictions, which crime has the most cases, and which has the fewest?	Among the predicate offenses associated with money laundering (ML) convictions, the crime with the most cases is 'illicit trafficking', with a total of 7 cases, accounting for 36.8%. The crimes with the fewest cases are 'active bribery' and 'embezzlement', with 1 case each, both accounting for 5.3%.	Table-MultiPage	long	86,87
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_163-164.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what percentage of variable capital companies registered in the Tax Registry have only natural persons as partners or shareholders, and what percentage have only legal persons as partners or shareholders?	According to Table 7.7, 92.10% of variable capital companies registered in the Tax Registry have only natural persons as partners or shareholders, while 2.56% of the companies have partners or shareholders that are only legal persons.	Table-MultiPage	long	163,164
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_176-177.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, from 2019 to 2023, which country submitted the most passive MLA requests to El Salvador, and which country submitted the least?	From 2019 to 2023, Guatemala submitted the most passive MLA requests to El Salvador, with a total of 137 requests. The countries with the fewest requests include Italy, Greece, and Venezuela, each with only 1 request.	Table-MultiPage	long	176,177
FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_179-180.png-1	According to MUTUAL EVALUATION REPORT OF EL SALVADOR, from 2019 to 2023, which country submitted the most extradition requests to El Salvador, and which country submitted the least?	From 2019 to 2023, the country that submitted the most extradition requests to El Salvador was the United States, with a total of 41 requests. The country that submitted the least was Venezuela, with a total of 3 requests.	Table-MultiPage	long	179,180

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What processes did Howden Joinery implement in 2021 for identifying and assessing climate-related risks?

In 2021, Howden Joinery built the outputs of their inherent climate risk assessment into operational risk registers, worked with advisors to refine their process for assessing climate risks, and adopted a risk process to capture key climate metrics and targets.

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According to Annual Report & Accounts 2022 of Howden Joinery Group Plc, what are the specified conditions regarding property leases treated as short-term leases when in the process of being renewed?

Property leases treated as short-term leases when in the process of being renewed involve conditions where a new lease may not be formally signed before the old lease ends. Although the landlord and tenant agree on renewal, there is no contractual right to renew until the new lease is signed.

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In the reporting obligation section of the Craneware plc audit report 2020, what conditions are required for reporting material related to the going concern basis?

The auditors are required to report if there is anything material to add or draw attention to regarding the directors' statement about adopting the going concern basis, or if they identify any material uncertainties related to the Group’s and Company’s ability to continue as a going concern.

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In the article 'Food delivery apps rack up $20bn losses in fierce struggle for diners', what are the key challenges that publicly listed food delivery companies are facing post-pandemic?

Publicly listed food delivery companies are facing challenges such as increased competition, slowing growth after the pandemic-era boom, and the struggle to achieve profitability in a competitive market environment.

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Regarding 'Turbulence at Airbus shows the limits of duopoly power', how does the article describe Airbus's positioning against Boeing?

The article describes Airbus as being in a strong position compared to Boeing, having left Boeing on the runway with share prices that are performing better.

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Referring to 'China offers an open goal for Novo Nordisk’s obesity drug Wegovy', what insights are given about the pharmaceutical market in China?

The article provides insights that the obesity market in China offers significant opportunities for Novo Nordisk's drug Wegovy, emphasizing its potential for growth amid rising obesity rates in China.

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According to the Annual Report & Accounts 2022 of Howden Joinery Group Plc, with respect to the Corporate governance report, what responsibilities has the board established to ensure the independence and effectiveness of internal external audit functions and the integrity of financial and narrative statements?

The board has established formal and transparent policies and procedures to ensure the independence and effectiveness of the internal and external audit functions. They monitor the integrity of financial statements of the company and any public announcements related to financial performance.

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According to the Annual Report 2021 of Craneware plc, with respect to compliance Statement, which specific provisions of the UK Corporate Governance Code 2018 has the Board found to be disproportionate or not relevant?

The Board identified Provision 17, which concerns the establishment of a separate nomination committee, and Provision 36, regarding the development of a formal policy for post-employment shareholding requirements, as disproportionate or not relevant.

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According to the Annual Report 2021 of Craneware plc, with respect to Board of Directors, who are the key individuals making up the board following Ronald Verni's departure at the end of the AGM in November 2020?

Following Ronald Verni's departure, the key individuals on the Board include Chairman William Whitehorn, Executive Directors Keith Neilson (Chief Executive Officer) and Craig Preston (Chief Financial Officer), and four non-executive Directors considered to be independent by the Board: Colleen Blye (Senior Independent Director), Russ Rudisha, Alistair Nevin, and Paul Wood.

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According to the Annual Report 2020 of Craneware plc, what are the regulatory restrictions imposed on Ambac UK's ability to distribute dividends?

Ambac UK is prohibited from declaring a dividend to its shareholders unless it has 'profits available for distribution.' The PRA and FCA require a 'non-objection' for any distributions, further restricting it by the indenture for Tier 2 Notes and specific agreements.

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According to Ambac Financial Group, Inc.'s 2020 FORM 10-K, what accounting standards have been issued but are not yet adopted by Ambac as mentioned in the document?

The not yet adopted accounting standards include Convertible Instruments and Contracts in an Entity’s Own Equity and Simplifying Income Tax Accounting.

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According to Craneware plc's Annual Report and Financial Statements 2023, what actions have been taken by the Board in terms of strengthening engineering leadership?

The Board appointed Abhilesh Gandhi as the Group Chief Technology Officer (CTO) to strengthen engineering leadership.

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How did Howden Joinery Group achieve zero waste to landfill in 2020 and what challenges are associated with maintaining this status?

In 2020, Howden Joinery Group achieved zero waste to landfill in manufacturing and distribution by focusing on reducing waste through recycling and reusing strategies, such as the Waste Hierarchy. Challenges include achieving 98% waste avoidance and finding solutions for waste management to continue maintaining this status.

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According to Financial Times UK on December 10 2024, what is the main goal of the cruise ship project led by Captain Sophie Galvagno?

The main goal of the project is to pioneer a more environmentally friendly way to see the polar regions using wind and solar power.

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According to SRCE 2023 Form 10-K, what criteria does the company use to assign credit quality grades to loans and leases as mentioned in the text?

Loans and leases, except residential real estate and home equity loans and consumer loans, are assigned credit quality grades on a scale from 1 to 12, with grade 1 representing superior credit quality. The assignment is based on extensions of credit that exhibit potential problems or well-defined weaknesses primarily based on the degree of risk and the likelihood of orderly repayment, and their effect on the Company's safety and soundness.

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Based on the 'Sustainable supply chain' section covering the 2020 highlights of Howden Joinery Group, how many cubic meters of sustainably sourced chipboard and MDF were used in 2020?

Howden Joinery Group used 220,000 cubic meters of chipboard and 49,000 cubic meters of MDF in 2020.

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According to Annual Report & Accounts 2020 of Howden Joinery Group Plc, what was the initiative 'UK depot waste backhaul' intended to achieve, and what progress had been made as of 2020?

The results from 2020 indicate that Howden Joinery Group successfully inaugurated the 'UK depot waste backhaul' initiative, with projects targeting a notable 30% decrease in waste-to-landfill through the efficient return of waste using their existing systems.

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Accoring to Ambac Financial Group, Inc 2023 Form 10-K, what are the legal requirements for regulated insurance companies regarding financial statements according to the document?

Regulated insurance companies are required to file quarterly and annual statutory financial statements in each jurisdiction in which they are licensed.

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According to Annual Report & Accounts 2022 of Howden Joinery Group Plc, what were the responsibilities assigned to Stuart Livingstone as the new Trade Director as mentioned in the report?

Stuart Livingstone was appointed as Trade Director and will take over key parts of Andy Witts' role. He will be responsible for the day-to-day running of the depot’s trade.

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How has Craneware plc shown its commitment to social responsibility and environmental policy in its annual report?

Crane Group has demonstrated its commitment by adhering to the guidelines of the Environmental, Social, and Governance Statement. The Group promotes sustainable business operations and actively works on minimizing environmental impact, with a detailed report scheduled under SECR regulations for the year ending 30 June 2022 found on page 46.

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According to Ambac Financial Group's 2021 Form 10-K, what are the primary reasons for the decrease in losses and loss expenses for the year ended December 31, 2021?

The decrease in losses and loss expenses for 2021 was mainly due to favorable loss development in domestic public finance, particularly related to Puerto Rico, and structured finance, primarily related to improved credit in RMBS, partially offset by the negative impact of discount rates.

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According to Ambac Financial Group, Inc's 2023 Form 10-K, what financial instruments are primarily used by Ambac for managing interest rate risk?

Ambac primarily uses interest rate swaps and exchange traded futures contracts for managing interest rate risk.

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In SRCE's 2023 Form 10-K, how did the company determine that goodwill was not impaired during the fourth quarter of 2021 and 2022?

The company performed impairment analyses in each quarter of 2021 and 2022, and management determined that the conditions no longer represented a triggering event requiring quarterly analyses. This led to the conclusion that goodwill was not impaired.

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66

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According to Financial Times UK on October 9 2024, regarding the LG Energy article, what warning signs are being highlighted about electric vehicle sales?

The article highlights concerns regarding declining demand for electric vehicles in South Korea and other issues affecting LG Energy, such as production cuts and a need for vigilance despite government incentives.

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25

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According to Financial Times UK on October 9 2024, in the LG Energy section, what specific production strategy is mentioned that could address the slowing demand for electric vehicles?

To cope with slowing demand, LG Energy is considering reducing its planned production volumes and selectively enhancing consumer incentives.

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long

25

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According to the Annual Report and Accounts 2021 of Howden Joinery Group Plc, what are the three scenarios outlined in the assessment of viability, and how do they differ in terms of revenue growth and cash flow forecasts?

1. Base Case: Assumes increases in sales and profits, supporting strategic priority areas. 2. Severe but Plausible Downturn: Assumes decline in sales and profits initially, with gradual recovery over three years. 3. Reverse Stress Test: Assumes slow recovery with less confident outcomes, investing only within existing cash resources.

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long

36

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According to SRCE's 2021 Form 10-K, what specific risks are associated with fluctuations in interest rates, and how might these affect the company's profitability and asset value?

The document states that fluctuations in interest rates could reduce profitability and affect asset value by causing changes in net interest spread, asset quality, origination volume, and overall profitability. Market interest rates affect loan and lease volumes, deposit costs, and the relationships of various interest rates to each other, potentially leading to imbalances.

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26

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According to SRCE's 2021 Form 10-K, what dollar amount of loans directly or indirectly influenced by LIBOR existed as of December 31, 2021, and what potential challenges does the transition away from LIBOR present?

As of December 31, 2021, the document indicates approximately $1.1 billion of loans and other financial instruments are influenced by LIBOR. The LIBOR transition challenges include potential adversarial impacts on financial markets, increased litigation risks, regulatory scrutiny, and the selection of appropriate alternative benchmarks that suit the company's needs.

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26

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In the article titled 'Care costs: could they put your retirement years at risk?', what are the key concerns regarding care costs for retirees as highlighted by Alex Kempshall?

The key concerns highlighted by Alex Kempshall include the rapid increase in care home costs, which can exceed £84,000 a year, and the financial burden it places on his retirement savings as he requires help with daily activities due to multiple sclerosis.

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49

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In the article titled 'Care costs: could they put your retirement years at risk?', What are the reported financial challenges for retirees in the UK who require long-term care?

Retirees in the UK face significant financial challenges, including high care home costs exceeding £84,000 annually, and limited access to government-funded support, requiring them to use personal savings.

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49

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Based on the 'Small-caps need special attention' segment, what changes to the UK market overhaul are necessary to accommodate small-cap entities?

There is a need for a revised regulatory framework to accommodate small-caps, ensuring they are better able to access capital and compete with larger firms, potentially involving adjustments in trading systems and taxation policies that support smaller enterprises.

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long

19

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In the Ambac Financial Group 2020 FORM 10-K document, what are the potential reasons identified that could lead to lower-than-expected recoveries in securitizations where AAC is involved as an insurer?

The potential reasons for lower-than-expected recoveries in securitizations where AAC is involved as an insurer include adverse developments with respect to variables that negatively impact AAC's financial condition, such as changes in estimates of RMBS litigation recoveries and the performance of the assets backing the obligations that AAC insures.

Text Inference

long

30

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Within the Ambac Financial Group 2020 FORM 10-K, what does the section on 'Revenues and cash flow' imply about the future potential challenges the company might face?

The section suggests that a decline in the realization of installment premiums could adversely affect revenues and cash flow. This is because a significant portion of Ambac's revenue is derived from installment premiums, which could fluctuate due to various factors.

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long

30

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Based on the 'Notes to Consolidated Financial Statements' section of the AMBAC Financial Group's 2021 Form 10-K, what is the company's involvement in legal proceedings?

AMBAC Financial Group is involved in various routine legal proceedings, including litigation with present or former employees and litigation arising from corporate governance issues. These legal actions are routine and incidental to the conduct of its business.

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long

139

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What information is presented about the 'Student Loans Exposure' related to CFPB in the Consolidated Financial Statements of 2021 Form 10-K?

In the AMBAC Financial Group's 2021 Form 10-K, under 'Student Loans Exposure', a case was filed on September 18, 2017, by CFPB v. National Collegiate Master Student Loan Trust regarding alleged improprieties and deficiencies in servicing practices.

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long

139

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In the 2022 FORM 10-K of Ambac Financial Group, Inc., what was the net investment income from Legacy Financial Guarantee Insurance?

The net investment income from Legacy Financial Guarantee Insurance was primarily driven by contract adjustments rather than significant new income flows, with income amounts not separately specified.

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51

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According to Craneware plc's Annual Report and Financial Statements 2022, what are the main issues faced by the healthcare organisations in the 'Complex Market Dynamics' section?

The main issues include the post-COVID-19 environment, staffing shortages, inflation, Russia's invasion of Ukraine, supply chain issues, increased healthcare-related legislation, and pressure for consumerisation.

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long

21

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What policies does Craneware plc have regarding employment of disabled persons and how are these executed?

Craneware plc ensures that applications for employment by disabled persons are fully considered, and training, career development, and promotion of a disabled person should be identical to that of a person who does not suffer from a disability.

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64

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In the Social Responsibility and Sustainability Statement of Craneware's Annual Report 2021, what key components are included in Craneware's Business Ethics Policy?

Craneware's Business Ethics Policy mandates a mandatory policy for all employees and any contractors or consultants and explains the process for reporting ethics violations. It also ensures that no form of human trafficking or slavery is permitted in their business or supply chain.

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31

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In the Annual Report 2021, how does Craneware's Whistleblowing Policy contribute to their corporate governance governance measures?

The Whistleblowing Policy allows employees and contractors to anonymously raise concerns regarding financial reporting or other matters. Craneware's Board of Directors is responsible for reviewing these arrangements and addressing any arising reports.

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long

31

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What are the significant differences between GAAP and SAP as outlined in the document regarding the treatment of loss reserves?

Under GAAP, loss reserves are established for obligations that have not yet experienced credit deterioration, whereas under SAP, they are only established for obligations that have already experienced a payment default.

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65

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According to Ambac Financial Group, Inc.'s 2022 Form 10-K, what factors are included in the calculation of loss reserves as mentioned in the document?

Factors include the estimated present value of the anticipated default debt service payments, estimated recoveries, changes in the fair value of pooled funds and other investments at fair value, realized gains and losses, and changes in foreign exchange rates.

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long

65

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In the Howden Joinery Group's corporate governance report, what is the primary method used for engaging with trade customers according to the text?

The primary method of engaging with trade customers is through conversations at the local depot.

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long

45

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In the FTWeekend article 'A London lost to time,' what was the primary architectural influence behind the Victorian houses discussed in the piece?

The primary architectural influence behind the Victorian houses discussed in the article is the arts and crafts movement, with a focus on eclectic and individual interior designs.

Text Inference

long

71

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In the Howden Joinery Group's corporate governance report, what were the three main areas of focus outlined in 'The Board's response' to address the challenges posed by COVID-19?

1. Keeping employees and customers safe. 2. Prudent cash management and preservation, and viability. 3. Consideration of strategic opportunities for the future, only once the first two had been established.

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42

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According to Ambac Financial Group, Inc.'s 2022 Form 10-K, what are the three principal businesses operated by Ambac?

The three principal businesses are Legacy Financial Guarantee (LFG) Insurance, Specialty Property and Casualty Insurance, and Insurance Distribution.

Text Inference

long

14

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According to Ambac Financial Group, Inc.'s 2022 Form 10-K, describe the role of Ambac UK and Ambac Assurance UK Limited in the context of financial guarantee insurance.

Ambac UK and Ambac Assurance UK Limited made payments if the obligor responsible for making payments failed to do so when due. Ambac and Ambac UK wrote the last insurance policy in 2008 and have been in run-off ever since.

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long

14

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According to the Corporate Governance Report from the Annual Report 2021 of Craneware, what criteria must be met for external auditors to be appointed to provide non-audit services?

The external auditors must not audit their own work, make management decisions for the Group, create a conflict of interest, or find themselves in the role of an advocate for the Group.

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49

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Regarding Ambac Financial Group's valuation techniques for fixed maturity securities, what are the different levels of fair value hierarchy mentioned in the document?

The document mentions three levels in the fair value hierarchy for fixed maturity securities: Level 2 and Level 3. Level 2 securities have fair values based on market correlations or readily observable data, using various valuation models. Level 3 securities are those with significant unobservable inputs.

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104

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According to Ambac Financial Group, Inc.'s financial report in 2020, regarding to the material contract and management compensation plans, which agreement was dated most recently?

The most recent agreement is the Purchase Agreement, by and among, Ambac Assurance Corporation, Ambac Financial Group, Inc. and certain funds or accounts affiliated with or managed by CVC Credit Partners, LLC, CVC Credit Partners Investment Management Limited and EJF Capital LLC, dated as of January 19, 2021

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157,158,159

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According to the SRCE's annual report in 2021, regarding to its consolidated statements of cash flows, how much has the net change in demand deposits and savings accounts decreased for 2021 compared to 2020?

$53,586 thousands

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short

61,62

FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_68-70.png-3

According to the Mutual Evaluation Report of EL Salvador, in the case involving the Presidency of the Republic, how were funds misappropriated and what percentage of the funds were transferred to personal accounts at the BH as 'reserved expenses and transport' with the Ministry of Finance's approval?

Funds amounting to USD 677,418,176.76 were misappropriated from the budget of the Presidency, with 50.92% of the funds transferred following the approval of the Ministry of Finance.

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long

68,69,70

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According to the Mutual Evaluation Report of EL Salvador, how many times of Tax evasion happens in 2019?

5

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short

181,182

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What was the estimated quarterly GDP growth rate for the United States and Brazil in the first quarter of 2021 according to the global economic prospects, which country is has a higher GDP growth rate?

United States: 0.5%, Brazil:1.3%, Brazil is higher

Table-Multipage

short

163,164

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What are the main elements of the executive Director remuneration package as described in the Remuneration Committee's Report for Craneware plc in 2021?

The main elements of the executive Director remuneration package are: basic salary, pension entitlement, benefits in kind, annual performance related bonus, and share-based awards.

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51,52

气候政策倡议组织（CPI）：2024年欧洲养老基金净零转型状况欧洲养老基金净零转型状况报告（英文版）_multipage_44-45.png-2

What is the total size of the Green bond funds and Equity funds, expressed in USD, according to the report in the State of European Pension Funds’ Net-Zero Transition?

USD 4.17 billion

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short

44,45

FATF：2024年萨尔瓦多打击洗钱和恐怖主义融资的措施报告（英文版）_multipage_93-94.png-4

In the Mutual Evaluation Report of El Salvador, according to CONAB, calculate the amount that forfeited property changed from 2019 to 2023.

increased $518,393.8

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short

93,94

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According to Ambac Financial Group, Inc.'s annual report in 2021, what methods did the auditors use to ensure the effectiveness of internal controls related to loss reserves estimation?

To ensure the effectiveness of internal controls related to loss reserves estimation, the auditors evaluated the design and tested the operating effectiveness of certain internal controls. They also inquired of internal and external legal counsel and read letters received directly from the Company’s internal and external legal counsel. Furthermore, they involved credit risk professionals, involved forensics professionals, and involved valuation professionals

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73,74

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How did the total cash and cash equivalents of Timberland Bancorp, Inc. and its total shareholders' equity change from 2020 to 2021?

The total adjustments increased $226,202 thousands, and its total shareholders' equity increased $19,269 thousands

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84,85

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According to SRCE's 2022 annual report, how does the Dodd-Frank Act impact various aspects of financial institutions, and what are the specific implications for the company's operational costs and ongoing compliance efforts?

The Dodd-Frank Act impacts financial institutions by altering regulations, affecting all sizes of institutions, and imposing higher capital requirements. It establishes the CFPB within the Federal Reserve and transfers consumer protection responsibilities to it. The company has faced increased operational costs due to compliance and expects these costs to continue.

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22,23

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What does the strategy outlined by the Task Force on Climate-Related Financial Disclosures (TCFD) in the 2023 Annual Report of Howden Joinery Group Plc include?

In Howden Joinery Group Plc's 2023 Annual Report, the strategy concerning the Task Force on Climate-Related Financial Disclosures (TCFD) is focused on several key areas. Firstly, the company's climate risk assessment has not identified any significant short or medium-term climate-related risks. Additionally, there is an ongoing effort to engage with the supply chain to gather further data on ESG risks and opportunities. The company has also conducted physical climate risk assessments and integrated climate-related risk screening into its due diligence processes for major capital expenditures. Lastly, they have developed draft climate impact scenarios and plan to refresh their scenario analysis in 2024, while continuing to explore various decarbonization options.

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32,33

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Reviewing the 2023 Ambac Financial report, how did the changes in the allowance for credit losses on the premium receivable asset and the accelerated financial guarantee premiums earned due to calls and other accelerations on insured obligations contribute to the decrease in net premiums earned for the year ended December 31, 2023?

The decrease in net premiums earned for the year ended December 31, 2023, was influenced by changes to the allowance for credit losses on the premium receivable asset and the reduction in accelerated financial guarantee premiums earned due to calls and other accelerations on insured obligations. The positive impact on net premiums earned related to credit losses amounted to $1 for 2023 and $4 for 2022, indicating a decrease in the positive impact. Accelerated financial guarantee premiums earned were $0 for 2023 and $8 for 2022, showing a reduction in this type of premium.

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51,52

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According to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting & Proxy Statement, what is the total number of shares held by the company's current directors and executive officers as a group, what is their percent of the class, and how many of these shares are expected to vest within 60 days after April 19, 2024?

The total number of shares held by the company's current directors and executive officers as a group is 4,272,669. Their percent of the class is 11.13%. Out of these shares, 2,790 are expected to vest within 60 days after April 19, 2024.

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54,55

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In the 2021 Ambac Financial Group, Inc. 10-K report, how much did Ambac's total pre-tax income (loss) and provision for income taxes increased from 2020 to 2021?

The pre-tax income (loss) increased $442 millions, and the provision for income taxes increased $21 millions

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131,132

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According to Timberland Bancorp, Inc. and Subsidiary's report, what is the difference between total non-interest income and total non-interest expense for the year ended December 31, 2020?

-$16,875 thousands

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short

81,82

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Based on Craneware plc Annual Report 2022, compare the net book value changes from 30 June 2021 to 30 June 2022 across both property, plant and equipment, and intangible assets for the group.

For property, plant, and equipment (Group), the net book value increased from $1,992,000 at 30 June 2021 to $2,572,000 at 30 June 2022. For intangible assets (Group), the net book value increased from $11,188,000 at 30 June 2021 to $237,646,000 at 30 June 2022.

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121,123

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How does ArcBest describe its vision and strategic approach to business in the 2022 Annual Report?

ArcBest's vision is encapsulated in the statement 'We’ll Find a Way,' which emphasizes their commitment to problem-solving and customer satisfaction. Their strategic approach focuses on expanding revenue opportunities, balancing their revenue and profit mix, and optimizing costs. By deepening customer relationships, deploying tailored solutions, and leveraging technology, they aim for long-term value creation for customers, employees, and shareholders.

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8,9

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Regarding ArcBest Corporation's financial performance, how did net income evolve over the years 2021 to 2022, and what were the total assets during this period?

ArcBest Corporation's net income showed a significant growth from 2021 to 2022. In 2021, the net income was $213,521 thousands, and increased to $298,209 thousands in 2022. Correspondingly, the total assets also rose from $2,112,676 thousands to $2,494,286 thousands.

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71,72

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In terms of cybersecurity strategies discussed in AAON's report, how does the company ensure secure IT operations and manage associated risks?

The company ensures secure IT operations by integrating recognized cybersecurity standards and practices, using layered security architectures, and engaging third-party assessors for penetration testing and incident response. Continuous employee training on cybersecurity threats and mock phishing simulations are conducted for proactive preparedness. The board and audit committee are involved in regular reviews and updates of cybersecurity controls, ensuring robust governance of their cybersecurity risk management strategy.

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31,32

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In relation to the SRCE's 2021 annual form, what were the standout factors affecting automobile and light truck loan performance and rates during 2021?

During 2021, automobile and light truck loans remained strong due to customers maintaining fleet levels amidst concerns about vehicle supply in the spring. The sector saw new client relationships and strategical refinancing in step van portfolios. However, challenges were present due to high charge-off rates from previous years, leading to a slight downward adjustment in qualitative factors.

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42,43,44,46,47,48,49

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Analyze how First Source Bank's overall exposure to mortgage loans was influenced by economic conditions in 2021 as detailed in SRCE's annual form in 2021.

First Source Bank's exposure to mortgage loans in 2021 was influenced by various economic conditions, including low interest rates that encouraged refinancing, and COVID-19 related fiscal stimuli like PPP loans. Additionally, challenges such as the predicted interest rate hikes and inflation posed potential risks. The allowance for loan losses was adjusted to reflect these changes, decreasing to $127.49 million, highlighting better credit quality due to government stimulus.

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42,43,44,45,46,47

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How does the Craneware Group engage with its various stakeholder groups like customers, employees, and community according to the 2023 Annual Report?

Craneware Group engages with customers through initiatives that enhance the customer experience and offer support services. Employee engagement is supported by a framework aligned with company values, assessed through surveys, and senior management and the Board actively consider feedback. Community engagement is conducted via the 'Craneware Cares' initiative focusing on charitable giving and volunteering.

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52,53

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According to the AMBAC's 2023 annual financial report, wHow does the company manage and report its revenue recognition and related contract obligations in accordance with ASC guidelines?

The company recognizes revenue by identifying contracts, identifying performance obligations, determining transaction prices, and allocating these to performance obligations. Revenue from insurance policies is recognized upfront, with claims servicing revenue recognized over the claim adjustment period. Revenue consists of base and profit-sharing commissions, estimated to avoid significant future revenue reversals. Contract assets and liabilities are reported on the Consolidated Balance Sheet as other assets and liabilities.

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91,92

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According to SRCE's 2023 annual report, how does 1st Source Corporation address Diversity, Equity, and Inclusion according to the document?

1st Source Corporation emphasizes diversity and inclusion as central to their values, using a multidimensional approach. As of December 31, 2023, they had 1,170 colleagues and have achieved the recognition of having over 21% new diverse hires. They emphasize diversity in leadership, with 42% of the Board being women or minorities. Additionally, all new employees undergo unconscious bias training within six months.

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18,19

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In the Ambac Financial Group's annual report in 2022, how much has the structured finance's gross par outstanding for Legacy Financial Guarantee from December 31, 2021 to December 31, 2022, and specify the reasons for these changes.

$321 millions

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61,62

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What social responsibility efforts did 1st Source Corporation engage in during 2021?

In 2021, 1st Source Corporation engaged in a variety of social responsibility efforts. They remained focused on environmental sensitivity, encouraging initiatives such as recycling and the use of eco-friendly products. The company also emphasized financial literacy, providing education programs and courses to individuals and businesses. Furthermore, 1st Source participated in community engagement through volunteer activities aimed at combatting poverty and increasing educational opportunities, particularly for low-income students.

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8,9

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What updates were provided to the Audit Committee regarding cyber and information security and how was it addressed, according to Howden Joinery Group Plc's annual report in 2022?

Updates on cyber and information security were provided to the Audit Committee by the Head of Information Security and the Director of Infrastructure and Service Delivery during meetings in April and July. The Committee noted in September that, besides developing technical controls to mitigate the increasing risk of a cyber security incident, a revised strategy for Security Governance was implemented to ensure clear direction to the business. The company also reported no significant information security breaches during the year and no such breaches in the preceding three-year period.

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23,73

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What were the main objectives and outcomes of AAON's national sales event held in October 2021, and how did it reflect the company's strategy towards enhancing market penetration and supporting its channel partners?

AAON's national sales event in October 2021 was a significant gathering, marking the first of its kind since 2017. The company invested about $1 million to engage with its sales partners, focusing on communicating its long-term vision and supporting them more effectively. Key highlights included introducing new marketing tools, showcasing a new manufacturing facility in Texas, and unveiling a state-of-the-art showroom trailer to demonstrate AAON's equipment and technology. The event also served to introduce new products designed to enhance market penetration and support channel partners, reflecting AAON's commitment to strengthening its product offerings and partnerships.

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11,12,13

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According to the Craneware plc's annual report in 2020, what are the intangible assets for the company?

Goodwill, Proprietary software, Contractual customer relationships, Research and Development expenditure, Computer software.

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67,68

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What strategies does Ambac Financial Group employ to do the Credit Risk Management (CRM)?

The strategies include: Control Rights and Watch List and Adversely Classified Credits. First, in certain structured finance transactions, Ambac and its subsidiaries may act as the control party, directing actions in response to contractual defaults or trigger events. This includes managing requests for amendments, consents, and waivers based on credit factors such as the issuer's ability to repay and the security features of the bonds. Second, Ambac closely monitors watch list and adversely classified credits, tailoring review schedules to ensure timely action and proper resource allocation. Developments and trends in these credits are summarized and reported to the Boards of Directors at least quarterly.

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16,17

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In the annual report of Ambac Financial Group, Inc. in 2020, explain why the system security risks, data protection breaches and cyberattacks could adversely affect their business and results of operations?

Ambac Financial Group's 2020 annual report identifies system security risks, data breaches, and cyberattacks as significant threats to business operations. The company's heavy reliance on IT systems for critical functions makes it vulnerable to disruptions from unauthorized access, viruses, and cyberattacks. These threats could lead to data breaches, financial losses, regulatory actions, and damage to reputation. The costs to mitigate these issues and the potential failure of disaster recovery plans could further impact Ambac's business continuity and financial results.

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32,33

FINAL PROOF for Online Posting PDFS_2024ProxyStatement No blank pages_multipage_101-110.png-5

Discuss the effect of a change in control according to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting and Proxy Statement.

According to PDF Solutions, Inc.'s 2024 Notice of Annual Meeting and Proxy Statement, a change in control can lead to full vesting of all outstanding and unvested awards for participants. This means they can exercise all their outstanding options and SARs, including shares that wouldn't otherwise be vested or exercisable. If an award isn't continued after a change in control, it becomes fully exercisable for 15 days from the notice, then terminates. If service is terminated without cause within 24 months post-change, the award also fully vests.

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100,101

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How has Howden Joinery Group addressed environmental sustainability in its 2022 operations and what projections are made for future activities regarding to Howden Joinery Group Plc's Annual Report & Accounts 2022?

In 2022, Howden Joinery Group made significant strides toward environmental sustainability by achieving carbon neutral manufacturing at key sites and reducing emissions through renewable energy use. The company plans to extend these efforts by committing to reduce emissions throughout its supply chain and continuing investments in sustainable materials.

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12,13,20

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Summarize the challenges and external factors that could negatively impact Ambac Financial Group's future business development as documented in their annual report.

Ambac faces several challenges that threaten its growth, including heightened competition within the industry, legal and regulatory uncertainties, economic factors such as interest rate fluctuations, and internal strategic challenges such as integrating acquisitions or growth initiatives. Additionally, the company's ability to innovate and adapt to market changes, as well as their dependency on third-party technology and services, are risks that could adversely impact operations and impede business development.

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31,32,33,34,35,36

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Please analyze the impact of economic factors on the pricing and revenue structure of ArcBest Corporation's Asset-Based segment?

ArcBest Corporation has adjusted its pricing strategies to counteract economic fluctuations affecting the Asset-Based segment. With economic cycles influencing demand variability, pricing was adapted to account for factors like freight demand, pricing surcharges, and shipment density. The segment saw significant improvements in billed revenue per hundredweight, driven by higher fuel surcharges and strategic price adjustments. Price increments in 2022 were achieved through substantial rate adjustments, yielding higher revenue metrics, while operational adaptations helped manage cost structures amid varying economic pressures.

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null

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What charitable activities and donations did Craneware Cares undertake to support various communities and charitable causes globally during the fiscal year ended June 30, 2023?

During the fiscal year ending June 30, 2023, Craneware Cares supported communities and charities through several initiatives: 1. Hosted a golf tournament and auction for Action for Children. 2. Participated in the Pentlands Peaks Challenge to raise charity funds. 3. Donated art kits and clothing to disadvantaged children in Edinburgh. 4. Supported elder care and animal charities through fundraisers in the US. 5. Raised over $4,500 for men's health during Movember. 6. Aided disaster relief efforts in Florida, Turkey, and Syria. 7. Donated office supplies to a US elementary school and funded student t-shirts. 8. Contributed to UK charity auctions for Cancer Research UK and The Yard. These efforts show Craneware Cares' dedication to charitable support and community needs.

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What measures did Craneware Cares take to ensure shareholder participation and communication during the November 2022 Annual General Meeting (AGM), especially considering the impact of COVID-19?

For the November 2022 AGM, Craneware Cares aimed to hold a standard meeting open to all shareholders. Given COVID-19 uncertainties, they encouraged proxy voting and allowed shareholders to submit questions via email in advance. Responses were provided post-meeting, ensuring participation despite pandemic challenges.

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How does the Craneware Group ensure employee engagement and well-being, and maintain an inclusive and open work environment?

The Craneware Group ensures employee engagement and well-being by providing clean, healthy, and safe working conditions, regularly reviewing policies for training, risk assessment, safe working, and accident management, establishing a Health and Safety Committee, maintaining an inclusive work environment and a culture of openness, providing equal opportunities, facilitating the development of employee skills, adopting a fair remuneration policy, and encouraging employee involvement in the Group's performance through share schemes. Additionally, the Group does not tolerate any form of harassment, prohibits discrimination based on various factors, and actively promotes its core values.

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What were the main responsibilities and activities of Craneware's Audit Committee in 2022?

In 2022, Craneware's Audit Committee was responsible for reviewing and monitoring interim and annual reports, ensuring the integrity of the Annual Report and Financial Statements, tracking developments in accounting and reporting requirements, evaluating matters of accounting significance, estimation, and judgment, considering disclosure matters, assessing the systems of internal control and their effectiveness, reviewing the external auditors' plans and independence, auditing fees, formal engagement terms, tax compliance services, and the Committee's effectiveness.

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What key measures has Craneware Group taken to identify and assess the risks of financial statement fraud?

Craneware Group has taken the following five key measures to identify and assess the risks of financial statement fraud: 1. Inquiries of management regarding known or suspected instances of non-compliance with laws and regulations, claims and litigation, and instances of fraud. 2. Understanding of management's controls designed to prevent and deter irregularities. 3. Review of board minutes. 4. Challenging management on assumptions and judgments made in their significant accounting estimates. 5. Identifying and testing journal entries, including those with unexpected account combinations impacting revenue, and those with expected words contained within the description.

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How does Craneware Group design its executive directors' remuneration package to ensure they are motivated to achieve the company's objectives?

Craneware Group's remuneration package for executive directors includes the following five key points:1. Basic Salary: Reviewed annually or when there is a change in an individual's position or responsibilities, and typically paid as a fixed cash sum monthly. 2. Pension Entitlement: The company operates an open enrollment pension scheme for all UK employees, including executive directors, matching employee contributions up to 4% of the basic salary. Additionally, a fixed sum is paid to a personal pension plan on behalf of the Chief Executive Officer. 3. Benefits in Kind: Executive directors are entitled to private medical insurance, life insurance, and permanent health insurance. 4. Annual Performance-Related Bonus: Based on targets set by the Committee, executive directors are eligible to earn a cash bonus (non-pensionable) reflecting challenging financial performance in the current year and supporting future growth of the Group. 5. Share Options and LTIP Awards: Historically, the company has operated employee share plans, and at the discretion of the Committee, executive directors and other employees (including senior management) could be granted share-based awards.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what are the key findings and recommended actions regarding El Salvador's AML/CFT policies and coordination?

Key findings include: El Salvador has indeed made progress in AML/CFT policy and coordination, including:1. Establishing the National Risk Assessment (NRA). 2. Establishing the Financial Intelligence Unit (FIU). 3. Forming the Inter-Agency Committee (CIPLAFT). 4. Understanding of ML Risks. 5. Good Coordination Among Authorities. 6. Establishing the Inter-Agency Committee (CIPLAFT). 7. Taking Measures to Address Risks. 8. Progress in Risk Identification and Coordination. Recommended actions include: 1. Update virtual asset risk assessments. 2. Assess terrorist financing risks. 3. Raise awareness on NRA findings. 4. Strengthen outreach to DNFBPs. 5. Implement the National ML/TF Strategy 2023-2025. 6. Define CIPLAFT's legal framework. 7. Allocate more resources to AML/CFT authorities. 8. Strengthen databases for NRA updates. 9. Address money laundering in environmental crime. 10. Formalize law enforcement cooperation.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what AML/CFT challenges does El Salvador face in terms of legal systems and operational issues?

El Salvador faces several AML/CFT challenges regarding legal systems and operational issues, including: 1. The use of financial intelligence is still in the process of consolidation, with a limited number of cases originating from an FIU's FIR. 2. The Operational Analysis Unit appears to be operating at the limits of its capacity, limiting the production of financial analysis. 3. Despite fluid communication between the FIU and FGR, there is a need for better utilization of financial intelligence reports in judicial investigations. 4. The FIU's UAE is a recent creation and has not yet produced any studies related to TF risks. 5. The quality of STRs received by the FIU is still low in some cases, affecting the analysis and production of financial intelligence. 6. The FIU faces limitations in accessing timely, accurate, and updated information, impacting the scope of financial intelligence produced.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what databases can the FIU access when requesting information?

The FIU can access the following databases: 1. PNC - Register of arrests and police records. 2. CNR - Purchase and sale of real estate, deeds of incorporation and amendments thereto, balance sheets and credentials of the board of directors. 3. RNPN - Identity information of natural persons subject to analysis. 4. DGII - Tax reporting systems, income tax and VAT returns, fiscal opinion, individual taxpayer register and capital gains form. 5. DGA - Import and export declarations and reports, importer's registration number. 6. DGME - Report on the entry and exit of natural persons subject to analysis. 7. SERTRACEN - Registration of ownership and history of vehicles, general driving license data. 8. SSF - Details of active products of natural and legal persons subject to analysis. 9. MOP - Register of suppliers and construction permits. 10. ISSS - Pension contribution forms of individuals subject to analysis and those listed as employers. 11. FGR (link) - Copies of the purchase and sale of real estate and the single identity card. 12. BINANCE - File with transaction and personal information of a virtual wallet listed as customer.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what percentage of the total staff in September 2023 were allocated to the Intellectual Property and Private Property Crimes Prosecution Unit?

In September 2023, the Intellectual Property and Private Property Crimes Prosecution Unit had 241 staff members out of a total of 518. Therefore, the percentage of total staff in this unit was approximately 46.52%.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, during the period from 2019 to 2023, which type of predicate offense associated with money laundering (ML) had the highest number of cases, and what percentage of the total cases did it account for?

During the period from 2019 to 2023, the type of predicate offense associated with money laundering (ML) that had the highest number of cases was 'Aggravated extortion (article 3 LEDE),' with a total of 4,614 cases, accounting for 25.02% of the total 18,439 cases.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, among the predicate offenses associated with money laundering (ML) convictions, which crime has the most cases, and which has the fewest?

Among the predicate offenses associated with money laundering (ML) convictions, the crime with the most cases is 'illicit trafficking', with a total of 7 cases, accounting for 36.8%. The crimes with the fewest cases are 'active bribery' and 'embezzlement', with 1 case each, both accounting for 5.3%.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, what percentage of variable capital companies registered in the Tax Registry have only natural persons as partners or shareholders, and what percentage have only legal persons as partners or shareholders?

According to Table 7.7, 92.10% of variable capital companies registered in the Tax Registry have only natural persons as partners or shareholders, while 2.56% of the companies have partners or shareholders that are only legal persons.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, from 2019 to 2023, which country submitted the most passive MLA requests to El Salvador, and which country submitted the least?

From 2019 to 2023, Guatemala submitted the most passive MLA requests to El Salvador, with a total of 137 requests. The countries with the fewest requests include Italy, Greece, and Venezuela, each with only 1 request.

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According to MUTUAL EVALUATION REPORT OF EL SALVADOR, from 2019 to 2023, which country submitted the most extradition requests to El Salvador, and which country submitted the least?

From 2019 to 2023, the country that submitted the most extradition requests to El Salvador was the United States, with a total of 41 requests. The country that submitted the least was Venezuela, with a total of 3 requests.

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