automobile insurance industry has grown at a rate of more than 18 percent since 1983 when monopolized South Korean insurance market was made accessible to liability and property insurance companies. There are certain important factors behind this quick rise of automobile insurance industry of South Korea like sudden increase in use of cars in South Korea and mandatory automobile liability insuran
Even though most of their sales is from brokerage, HS has competitiveness in IB and Asset management in Korea market
HS achieved a record revenue of 24,136 million won in Dec 2009. (CAGR: 17.6%. 2007.03 ~ 2009.03)
It’s operating margin is 7.3% during recent three years.
In Dec 2009, HS asset is 110,083 million won. (CAGR: 11.1%. 2007.03 ~ 2009.03)
Korean securities market is relat
(1) Commercial Banks
influential through lending practices and providing information to small and medium sized enterprises
(2) Investment Sector
can influence over large companies
(3) Insurance Sector
have influence by pricing various types of environmental risk and to help pay for environmental damages
(1) Framework to develop new services
(2) Risk management capacity
(3) Access to
(1) What is material?
Certain provisions of the SEC apply only to matters that are “material” to the financial condition of the company. Therefore, interpretation and application of those provisions relates to the issue of “what is material”.
Item 101 of Regulation S-K requires that companies must disclose material effects that compliance with environmental law will have on earnings, c
security regulatory measures, which follow the council of Europe cybercrime convention. The African union, in particular its African commission on Human and Peoples’ Rights adopted in 2002 a declaration of principles on Freedom of Expression in Africa, which deals in part with cybercrime as well as criminal and economic measures.
The OECD(2002) issued a non-binding guideline for the security o