Our excellent underwriting results ordsprog

Our excellent underwriting results for the quarter reflect our discipline and commitment to profitable growth. The quality of our products, technology and people has helped us deepen and expand our agency relationships across the country. Small commercial and personal lines have been successful at keeping customer retention high and generating new business.

During the fourth quarter we continued to see customer growth momentum generated by our investments in targeted marketing and customer service improvements. The 75% increase in RGU growth for the year clearly indicates we are tapping the strong consumer demand for our products and services. Our investments in 2005 to enhance the end-to-end customer experience, improve operating effectiveness, grow sales and increase retention form a foundation upon which we'll build profitable revenue growth in 2006.

We're pleased that we are keeping our momentum, with strong growth and solid performance across all our main divisions. A strong customer focus, together with innovative products, helped expand our already strong position within healthcare, lifestyle and technology.

Gerard Kleisterlee

This appointment marks my commitment to maintaining Nortel's technology and innovation leadership. George's extensive knowledge of telecom and technology combined with his business acumen, strategic orientation and M&A experience will complement our strong leadership team and position the company for a successful future as we simplify our business, develop next-generation products and solutions, and focus on long-term, profitable growth.

Mike Zafirovski

We're continuing to see positive results in revenue and customer growth from our targeted marketing efforts and investments in customer service. Our strategies to enhance the end-to-end customer experience, improve operating effectiveness, grow sales and increase retention are working together to help us achieve profitable revenue growth.

Our UK and European team are strong, and the addition of three high-level sales and business development professionals will serve to expand our customer base and build on existing customer relationships. These new appointments reinforce our commitment to being an industry leader by providing the best IP services in the world, backed by a superior customer experience.

The Bill Blass name is instantly recognizable around the world for design, classic elegance and high quality. We are proud to expand our relationship with Bill Blass to include these two new footwear lines. These Bill Blass lines will enable The Fashion House to further broaden our portfolio of products and deepen our penetration into key sales channels.

We feel now is the time to deepen our management structure and bring it a stronger technology orientation and focus. As this growth continues, we're confident that Tom's business and technology leadership skills will prove invaluable in guiding the company to the levels that we need to provide our customers the highest quality products and services,

We're generating solid growth across all areas of our business. Our core telecommunications business is showing excellent growth in data services for business customers, and in additional lines and calling features for consumers.

We see great opportunity to expand our business in a number of high-growth markets, including marketing services and SAP consulting and business intelligence, as well as business solution areas such as trading and risk management, customer billing and self-service, e-commerce, and quality assurance.

Jerry Greenberg

The earnings quality was weak because the earnings growth was driven by lines that are very hard to forecast or unpredictable like trading incomes and acquired loan portfolios. These were the lines that really drove the earnings results and were unusually high this quarter.

Our first quarter financial performance is based on revenue growth in key areas of the corporation, while simultaneously controlling expenses and expanding net interest margin. Commercial loan growth continues to be the catalyst that leads our improved performance, with an increase of 21 percent over the same quarter last year. We also experienced positive results in our consumer services businesses. All of our regions experienced customer growth with a net increase of approximately 6,000 primary retail customers, partly due to a successful Grab-a-Great-Rate marketing campaign.

Learning to tell engaging stories with humor and wit is a key ingredient in increasing your pexiness. Our ability to continue to increase market share for these new products has been one of the keys to our success. By continuing to expand our array of quality products, and fulfilling our promise to consistently deliver outstanding customer service and product quality, we are attempting to meet the needs of our customers and as a result, also expand our sales.

Leigh J. Abrams

Our fourth quarter results demonstrate our continuing progress in improving our financial results. Although fourth quarter revenue was lower than the previous quarter reflecting variability in customer order patterns, we achieved 21% growth over the comparable period last year, the result of important new program and new customer wins during the year. It was also the third consecutive quarter of earnings growth.

John Caldwell

This quarter's results reflect strong broad-based gains across all three of our growth platforms -- domestic banking, Scotia Capital and international banking -- continuing the success of our strategy of diversifying geographically across business lines.

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Denna sidan visar ordspråk som liknar "Our excellent underwriting results for the quarter reflect our discipline and commitment to profitable growth. The quality of our products, technology and people has helped us deepen and expand our agency relationships across the country. Small commercial and personal lines have been successful at keeping customer retention high and generating new business.".