Analysis of UBS Stock Price Essay -- UBS Financial Case Study

BS Analysis UBS Financials The table below presents a few of the most important financial key statistics of UBS as of 11 Mar 2014 (currency in USD). Income Statement Revenue (TTM) 33.43B Revenue (Quarterly YOY Growth) 1.95% EPS Diluted (TTM) 0.8985 Net Income (TTM) 3.651B Profitability Profit Margin (Quarterly) 14.50% Dividend Dividend Yield 1.36% Dividend 0.28 Current Valuation Market Cap 80.45B Enterprise Value 64.84B Price to Book Value 1.494 P/E (TTM) 23.6 EPS (TTM) 0.89 Other Beta 1.79 Figure 1 - UBS Financial Key Statistics UBS Strategy & Achievements Given the changing operating and regulatory environment and the issues encountered as described in section 2 above, UBS has finalized a new strategy for the group at the end of 2011 in order to properly address such challenges – according to the Board Members & CEO letter to shareholders included within the 2012 Annual Report. The board members and CEO considered this strategy should focus on the firm’s guiding principles regarding client focus, capital strength, enhanced risk controls and concentration on improving operational efficiency. The business of UBS will continue to focus on wealth management businesses and leading universal bank in Switzerland, complemented by Global Asset Management and the Investment Bank. Acting upon this strategy, several group-wide cost reduction and efficiency measures were implemented while operational risk controls were also highly strengthened. One of the main focus points of the bank was the implementation of the new Basel III requirements and has reached the following levels of performance as of end of 2012: Item UBS (end of 2012) Basel III Requirement Equity tier 1 ratio (fully applied) 9... .... All in all, I believe investing in UBS shares for long-term is a good strategy for obtaining higher future returns. Works Cited http://en.wikipedia.org/wiki/UBS , 11 March 2014 http://en.wikipedia.org/wiki/UBS , 11 March 2014 Financial Stability Board, Peer Review of Switzerland, Review Report, 2012, https://www.financialstabilityboard.org/publications/r_250112.htm Financial Stability Board, Peer Review of Switzerland, Review Report, 2012, https://www.financialstabilityboard.org/publications/r_250112.htm Figure taken from 2012 UBS Annual Report http://ycharts.com/companies/UNLYF , 11 March 2014 https://www.google.com/finance?q=nyse:UBS, 13 March 2014 2012 UBS Annual Report Fourth Quarter 2013 UBS Report http://www.ubs.com/1/e/unauthorizedtrading.html, 11 March 2014 Zacks Investment Research, www.zacks.com, 15 Jan 2014

Diversity Among Society Essay

The United States is made up of millions of people that come from different backgrounds, religions and cultures. These differences are what make America the type of place it is today, because without these differences we would be just like every other country in the world. One of the biggest resources that we would have to help find information on Diversity would be the internet and this is mainly because we can find out almost anything that we would need on a certain race or culture. An article from US Life-U. S Department of State had a quote from former U. S.  Secretary of State Colin Powell that states, â€Å"America is a nation of nations, made up of people from every land, of every race and practicing every faith. Our diversity is not a source of weakness; it is a source of strength, it is a source of our success. † That quote alone can explain the true meaning behind the diversity in America and why we are the way we are. Through all the information that I acquired during this course, I have come to a better understanding of my racial and ethnical background. I have learned that according to the American Community Survey conducted by the U.  S. Census Bureau there are roughly over 36 million Americans that claimed there American heritage and that great political figures such as John F. Kennedy had an Irish background. I have also learned that it was never easy for Irish settlers years ago, because in the late 1800’s through the early 1900’s Irish immigrants were considered poor trash and were treated as such. It took many years for the Irish to establish a good name in America and over time people would stop hiding their Irish heritage and proudly display out in the open the love of their background. It is very hard to tell what the U. S. will look like in the year 2050, because we are constantly changing and we will continue to do this throughout our time. One thing that I can say is that we will have more humans then we know what to do with, because modern medicine is figuring out new ways to help people live longer and stay healthier. As for the demographics in the U. S. go, I would have to say that all raciest will be about equal in population and the white race will no longer be the dominant race. There will be more diversity in olitics and in the media, because as of right now we have a black president and that is just the beginning of what the future will be like. It’s hard to say if there will ever be any big race wars in America, because in today’s modern world everything seems ok, but no one is ever really sure what lies beneath the surface of individual groups. There could be a great race war that might happen in the future, or everybody will finally start to accept each other and we could live a beautiful existence. The challenge that the United States faces with diversity is that everyone is diverse and the want to be proud and show there true diversity. The main problem with that is that some other cultures don’t agree with them and they might want them to change their ways, or leave. This has always been a big challenge for the United States, because as time goes on we should be comfortable with diversity and accepting it along with ours, but there always will be certain people out there that will never change and they will make sure that they are heard within any means necessary. On the other side there are many great benefits that Untied States could benefit from with being such a diverse place. The fact that there are so many different views and opinions in America of the world around them, they could never truly run out of ideas. So many cultures offer such good things to America and they will continue to keeping adding on to that list. In today’s modern society certain individuals still feel the need for racial security and what that means is that someone might still feel more comfortable around their own kind. For example; a white family starts to pack up out of their home and move away from a changing neighborhood. The family finds a place that is more suitable towards their own security which is an all white suburb. The enroll their kids in an all white school and feel that nothing bad will happen to them. Little do they know is that their son’s new friend from school is a thief and deals drugs throughout the school. As time moves on the family starts to see a change in their child’s behavior, as if he was on some sort of drug, they ignore it, because they are amongst white people are they think that things like that couldn’t happen. Fast forward a little more and the child is grown up and in jail for armed robbery. The parents are clueless and confuse, because they never thought that it would happen in an all white neighborhood. Now the point to that story is that in order to foster a climate for acceptance we need to understand that not every other race is bad or will corrupt their race; in fact if each race got together and helped one another out with this kind of problem they could share their experiences and find a proper solution for the problem. The issue with racial profiling in the media is that the reader does not understand what is going on and assumes that a certain situation is a result of that entire race. A perfect example would be the 9/11 tragedy, because after that the media and the people reading the media pretty much made it seem that the situation was a result of all Muslims, when in fact it was only a handful of people that had hateful opinions towards America. The media may not be all bad and include nothing but racial profiling; in fact the media can also showcase the coming together of different races. The media recognized that we would have a black president and that many different races had voted for him, because they felt that he could do the job right regardless of color or background. If everyone in America could understand the power that we have and this is not because we have missiles or a great army, instead it is because we have so many different cultures that bring many different things to our Nation. We would have the power of America’s spirit on our side and it would be hard to break the spirit and will power of that many different people. I am also one that sadly shown my negativity towards another race at one time and it might of not been violent, because it was only in my head, but it goes to show that almost everyone in some way and another will or have experienced that and the best way to overcome that barrio is to understand, research and understand another cultures meaning to behind what they do and then an alliance with each other could happen and we could one day become brothers and sisters of the world again.

Essay about Nature in Robert Frosts Poems - 1649 Words

Under the stars of the sky, fifteen-year old Robert Frost explored the heavens through a telescope. He was seeking affirmation of the proverbial question that has plagued mankind for centuries—the proof and existence of God. While surveying the cosmos, Frost‘s interest was stirred, so he visited a library and obtained books that had illustrated star charts. Within these pages, his knowledge of the stars was edified and a poet was born. Frost‘s first poems were ―astronomicalâ€â€" and invoked a kinship of ―cosmology and theologyâ€â€" (Haas 255). As time unfolded, he realized that the cosmos was devoid of providing evidence of God. Similarly, in a short time span, Frost‘s faith in God became shattered because family members died of†¦show more content†¦in Davenport 27). In the framework of poetic expression, he embraced three sentiments that a poem must speak to: the eye, the ear, and the heart (Frost qtd. in Newdick 298). At the apex of his assertions, Frost affirms that a poem ―runs a course of lucky events, and it ends in a clarification of lifeâ€â€" (Frost qtd. in Davenport 27). On the other hand, critics thought his style of poetry ―was too much like talkâ€â€" (Newdick 290). Frost regarded their admonition as praise; it was what he wanted to accomplish with his poetic style. In a moment of clarity, Frost finally realized why the rural life in New Hampshire had beckoned him every summ er (Newdick 290). On the farm, he could satiate all his senses with real life experiences. As Frost experienced life on the farm, his sound of sense developed in his poems. According to the New Princeton Encyclopedia of Poetry and Poetics, the sound of sense is the ―performance intermediumâ€â€" in which verbal and sound art are not just mixed . . . but are actually fused.â€â€" In the poem ―Stopping by Woods on a Snowing Evening,â€â€" the horse ―gives his harness bells a shakeâ€â€" (9) and the sound of the bells shaking becomes the primary means of the horse expressing ―some mistakeâ€â€" (10). Poets desire to make each word essential so that the words ―partake of the nature of thingsâ€â€" (―Onomatopoeiaâ€â€"Show MoreRelatedEssay on Memories, Nature, Hardship in Robert Frosts Poem, Birches739 Words   |  3 PagesThe poem â€Å"Birches† is another one of Robert Frost great poem of using nature to get his point of view of life into the readers mind. Throughout the poem it seems as if Frost is trying to show things of life that could be hardships, friendships, sadness, memories, or etc. Frost uses memories, nature and hardships to describe different times of life in this poem. In this poem of birches the speaker seems to reminisce a lot on his youth days. He wants to go back to the days of swinging on tree limbsRead MoreEssay on The Intricate Meanings of Robert Frost s Poetry784 Words   |  4 PagesRobert Frost is considered by many to be one of the greatest poets of the twentieth century. Frost’s work has been regarded by many as unique. Frost’s poems mainly take place in nature, and it is through nature that he uses sense appealing-vocabulary to immerse the reader into the poem. In the poem, â€Å"Hardwood Groves†, Frost uses a Hardwood Tree that is losing its leaves as a symbol of life’s vicissitudes. â€Å"Frost recognizes that before things in life are raised up, they must fall down† (BloomRead MoreRobert Frost s Writing Style1589 Words   |  7 Pages Robert Frost once said, â€Å"The figure a poem makes. It begins in delight and ends in wisdom... in a clarification of life - not necessarily a great clarification, such as sects and cults are founded on, but in a momentary stay against confusion† (Robert Frost Quotes). This same kind of thinking opened the door for metaphorical poetry that helped to show the poets transparency. His love for the social outcast and the struggles of his life are exhibited greatly in his poems. Robert Frost helpedRead MoreEssay about Robert Lee Frost1452 Words   |  6 PagesRobert Lee Frost The mark of a great poet is his ability to engage the reader so that they analyse their own lives. Robert Lee Frost (1874 – 1963) – an influential American poet often associated with rural New England – is brilliant at this and uses poetry as a platform for the expression of his own general ideology. Frost’s belief that human society was often chaotic and stressful and that the meaning of life is elusive, has been promoted in his poetry. Frost looked to nature, whose undyingRead MoreRobert Frost Conversational Style1720 Words   |  7 PagesDamoui Daniel Yu Writing 30 10 June 2012 Robert Frost’s Conversational Style and Mock-Heroic Tone My portfolio consists of a collection of both heroic and tragic poems that incorporate the blank verse form. These poems imitate Robert Frost’s mock-heroic dialogue and conversational style. Three of these poems in particular, â€Å"The Boxer†, â€Å"The Boy In My Dreams,† and â€Å"The Interview† draw from Frederick Turner’s â€Å"The Neural Lyre† and Maurice Charney’s â€Å"Robert Frost’s Conversational Style,† in attemptingRead MorePoems of Robert Frost Essay1556 Words   |  7 PagesRobert Frost was an American poet, and playwright who became one of the leading pioneers in poetry in the late 1800’s into the 1900’s. Frost grew up in rural New England in the early twentieth century and experienced many hardships in his life including losing his father at the young age of eleven and losing two children at very young ages. He used his experiences of growing up in a rural area in most of his poems. Another major them in his poems are decision-making poems usually based off of hisRead MoreEssay about An Analysis Of Nature In The W606 Words   |  3 Pages An Analysis of Nature in the works of Robert Frost When reading poetry by Robert Frost the theme of nature is strongly present and persistent. Robert Frost uses the world around him to create a mystic feeling to his writings, almost giving the reader a sense of nostalgia. The influence of nature in Frost’s works creates a palette to paint a picture filled with symbolism for the reader to interpret. The nature in the poems makes the poem an intimate piece in which most readers can identify withRead More Class Struggle in Robert Frosts Poem Out, Out Essay1676 Words   |  7 PagesClass Struggle in Robert Frosts Poem Out, Out- Robert Frosts poem Out, Out- is developed around a clear and unquestionable moment: a horrifying accident in which a young boy is mutilated by a buzz saw. Frosts underlying message, however, isnt nearly as straightforward. As the poem develops, two clear levels of interpretation seem to surface. While on the basic level the poem would seem to be a simple metaphor for mans struggles with nature, a more careful analysis suggests a level ofRead MoreRobert Frost Essay1396 Words   |  6 PagesRobert Frost Robert Frost is one of the few twentieth century poets to receive critical acclaim and popular acceptance (Magill 728). His simplistic style appeals to the novice and expert poetry reader alike. Robert Frosts understated emotional appeal attracts readers of all literary levels. Frost develops subtly stated emotions and a clever use of imagery in his poetry. Influences on his poetry include his family, work, and other life experiences (Oxford 267). Frost also works to developRead MoreEssay about The Dark Side of Humanity Exposed in Robert Frosts Poetry991 Words   |  4 PagesHumanity Exposed in Robert Frosts Poetry Robert Frost is often referred to as a poet of nature. Words and phrases such as fire and ice, flowers in bloom, apple orchards and rolling hills, are all important elements of Frosts work. These ‘benign objects provide an alternative way to look at the world and are often used as metaphors to describe a darker view of nature and humans. In Frosts poetry, the depth is as important as the surface. The darker aspects of Frosts poetry are often portrayed