TAILIEUCHUNG - FINANCIAL REPORT- International Business Machines Corporation and Subsidiary Companies

Whilst it is illustrative to focus on each component of financial literacy in turn, it is also valuable to consider how they combine. We have done this in several ways. First, a simple table showing the proportion of the population achieving high scores on each component illustrates important variations (Table 4). In 8 of the countries surveyed, a larger proportion of the population achieved a high knowledge score than a high behaviour score; indicating that levels of financial literacy in these countries are higher in terms of knowledge than behaviour. Conversely, in Germany, Malaysia, Norway, Peru, South Africa and. | FINANCIAL REPORT International Business Machines Corporation and Subsidiary Companies Report of Management 5 2 Report of Independent Accountants 5 3 Management Discussion 54 Consolidated Financial Statements Earnings 64 Financial Position 65 Stockholders Equity 66 Cash Flows 68 Notes To Consolidated Financial Statements A Significant Accounting Policies 69 B Accounting Changes 71 C Subsequent Events 7 2 D Divestitures 7 2 E Common Stock Split 7 2 F Inventories 7 2 G Plant Rental Machines and Other Property 7 2 H Investments and Sundry Assets 7 2 I Lines of Credit 7 3 J Sale and Securitization of Receivables 7 3 K Debt 7 3 L Interest on Debt 74 M Financial Instruments 74 N Other Liabilities and Environmental 7 6 O Stockholders Equity Activity 7 6 P Contingencies 7 7 Q Taxes 7 7 R Selling and Advertising 78 S Research Development and Engineering 78 T Earnings Per Share of Common Stock 79 U Rental Expense and Lease Commitments 79 V Stock-Based Compensation Plans 79 W Retirement Plans 81 X Nonpension Postretirement Benefits 83 Y Segment Information 84 Five-Year Comparison of Selected Financial Data 90 Selected Quarterly Data 90 Stockholder Information 91 Board of Directors and Senior Management 92 51 REPORT OF MANAGEMENT International Business Machines Corporation and Subsidiary Companies Responsibility for the integrity and objectivity of the financial information presented in this Annual Report rests with IBM management. The accompanying financial statements have been prepared in conformity with generally accepted accounting principles applying certain estimates and judgments as required. IBM maintains an effective internal control structure. It consists in part of organizational arrangements with clearly defined lines of responsibility and delegation of authority and comprehensive systems and control procedures. We believe this structure provides reasonable assurance that transactions are executed in accordance with management authorization and that they are .

• Tài chính doanh nghiệp
• Patient and the Staff
• Radiation Exposure
• During Fluoroscopy
• Fluoroscopy Guided
• Procedures in Cardiology
• commonly performed
•    Laboratory
• Patient History
• Patient Restraint
• Staff Training
• Staff Communication
• Avoiding Burnout
• Career Development
• Laboratory
• International essentials
• Health care quality
• Patient safety™ hospital edition
• Staff knowledge
• Organizational structures necessary
• Adolescent psychiatry
• Mental health
• Child and adolescent psychiatric care
• Ethical considerations
• Diary method
• Qualitative content analysis
• Ethical issues
• Clinical
• Biological
• Laboratory Parameters
• Clinical Outcome
• ealth care workers