It's always so damn hard To say goodbye to the ones that you love the most It's just never that easy My cousins fading fast I can't believe that I didn't see it coming I didn't see it coming down I should've been there to pick you up I could've been there to help you out When you were going down I should've been there to pick you up I could've been there to help you out But you were gone I never wanna say goodbye I never wanna say goodbye I know you're in a better place But I can't get you out of my mind I never wanna say goodbye I never wanna say goodbye I know you're in a better place Why'd you say goodbye? Withpassage of time, Mussoorie has also become an educational hub because of the presence of some premium educational institutes and convent schools. And I know you tried Well, I could've been there to help you out And I know you cried I should've been there to pick you up When you were falling down I never got a chance to say I never wanna say goodbye I never wanna say goodbye I never wanna say goodbye I know you're in a better place But I can't get you out of my mind I never wanna say goodbye I never wanna say goodbye I know you're in a better place Why'd you say goodbye? The year of brought this town into the spotlight because of certain cultural events and movements of political celebrities. The pictures in my head will better be enough To replace all the good times we had together, man I miss you every day, I miss you every day And I wake up in a cold, cold sweat, yeah The picture's in my head will never be enough To replace all the good times we had together, man I should've been there to pick you up I could've been there to help you out But you were more info I never wanna say goodbye I never wanna say goodbye I know you're in a better place But I can't get you out of my mind I never wanna say goodbye Lyrics never wanna say goodbye I know you're in a better place Why'd you say goodbye?
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Bitcoin, along with improved payment security, 'big data' analytics and faster payment networks are the components of a technology trend that will disrupt the payments ecosystem, the report says. The report says: "Innovations in network technology and cryptography could change the speed and mechanics of moving money.
It comes as the second in a series that has already featured the rise of ' shadow banks '. According to Schneider and Borra, bitcoin's major impact will be enabling the transfer of assets without a central clearing authority. The large public companies that will benefit will be merchants, who will reap savings on payment costs.
Firms who might lose out are traditional money-transfer firms like Western Union, Moneygram and Xoom. Bitcoin's impact will be felt in the field of consumer-to-consumer payments, the report says. This market includes all payments made between consumers, with examples of leading vendors being mobile wallets like Venmo and Square Cash.
These entrants include bitcoin exchanges and the peer-to-peer platform for foreign currency exchange TransferWise. Bitcoin could also play a significant role in global remittances for customers who want to use cash to begin the transfer process. Our progress confirms one of our core beliefs: that if you really take care of your clients, if you invest in those relationships and if you build trust over a long period of time, good things will happen. Confident in our strategy, we recently unveiled an updated set of financial targets.
We also reaffirmed our target efficiency ratio of approximately 60 percent. In addition, we announced that our target is to maintain our Common Equity Tier 1 capital ratio equal to the regulatory requirements plus a buffer of 50 to basis points. In addition to our firmwide targets, we unveiled an updated set of business-level targets tied to our growth strategy. Segment Performance Our four segments create a very powerful ecosystem, and in they continued to grow.
Net revenues were 58 percent higher than in , driven by record net revenues in both Financial advisory and Underwriting. Corporate lending net revenues were significantly higher as well. Global Markets Although market volatility declined in , our clients continued to rely on us for risk management, financial intermediation and, increasingly, financing. Asset Management Net revenues grew by 87 percent, fueled by significantly higher net revenues in Equity investments and Lending and debt investments.
Incentive fees rose, and Management and other fees were a record, reflecting higher average AUS. Growing these durable fees is an area of strategic focus. Growth Initiatives In , we made good progress on our growth initiatives. In many instances, we met our medium-term goals ahead of schedule. Transaction Banking I hear from clients constantly that our innovative cloud-based Transaction banking platform is a differentiator.
We expanded to the U. Our progress has reinforced our confidence that we can serve this very large addressable market, and we believe it will be accretive to our ROE at scale. Alternatives Today, we are one of the top 5 alternative asset managers in the world. Wealth Management We deliver a world-class, tailored wealth management offering to individuals, families, family offices and nonprofit institutions.
In , we had strong long-term fee-based AUS net inflows and continued to expand our global footprint. Power, Which? Awards and more. In September , we announced an agreement to acquire GreenSky, the largest fintech platform for home improvement consumer loan originations, whose growing network of over 10, merchants will allow us to meet more customers where they transact.
We launched critical product releases and features in , including the Marcus app on the iOS app store in the U. We also look forward to launching our digital checking product in , which will allow us to become the primary bank for our customers. While compensation and benefits expenses were up by 33 percent, our compensation ratio net of provision for credit losses declined by basis points from the prior year. Since then, it has decreased by more than 20 percentage points. We are a pay-for-performance culture; we reward our people who drive our growth.
But we have a shareholder-aligned compensation framework that relies heavily on equity awards to incentivize long-term value creation, and that compensation can be adjusted when performance is not as robust. We have a flexible cost structure that enables us to make investments and support returns, including disciplined expense management, a focus on platforms and digitization, and a priority list of investment spending. Technology This year showed how important engineering and technology will be to the future of Goldman Sachs.
We also created a series of foundational cloud-based Developer platforms on which our businesses and our clients can easily build new applications. This platform will offer GS Data and Analytics tools in the cloud to help developers build data-driven applications. And to support all these new offerings, we continue to strengthen the team by recruiting world-class engineering talent. Our People and Culture Goldman Sachs has long been known for the quality of its people, and our exceptional results in made clear just how differentiated they are.
We have an abundance of talent, no doubt, but beyond that, we also have a distinctly collaborative culture, which we have worked hard to preserve over the course of the pandemic. They are at a moment in their careers when learning from their team members and developing a network are crucial to their professional growth.
What has changed in the last 12 months that has actually convinced Goldman Sachs to reconsider? For example, Bitcoin is a highly capitalized currency, XRP is a real-time settlement system, Ethereum is a smart contract platform, Binance Coin is a token for practical applications, and Polkadot is a blockchain platform that can interact with other networks.
These intrinsic characteristics of each cryptocurrency allow it to attract a specific user base, and so for example the value of bitcoin is built around its use and distribution, so much so that, according to reports, massive inflows of institutional capital have recently confirmed the attractiveness of this cryptocurrency and the high degree of development achieved by its market.
Furthermore, the limited issuance of BTC could be a way to protect against inflation and the devaluation of the fiat currency, while during the pandemic cryptocurrencies recovered faster from previous price levels, outperforming other asset classes. Of course, the opinions of critics, such as Nouriel Roubini, are diametrically opposed, but Goldman Sachs analysts have also produced a chart showing that bitcoin has always bounced back to new highs in its history, no matter how deep the price declines have been over time.
Bitcoin could also play a significant role in global remittances for customers who want to use cash to begin the transfer process. The report points to Bitspark as an example of a firm that lets customers remit funds by depositing cash, bypassing the need for a bank account. Bitspark then performs the transfer by exchanging it into bitcoin.
The report points to Ripple's partnerships with banks like Fidor, CBW Bank and Cross River Bank as evidence that the network allows these institutions to perform international money transfers without depending on large banking partners. Merchant adoption of bitcoin could rise in coming years, the report found. The report estimates that more than , merchants currently take bitcoin payments globally. The analysts stress that merchant adoption of bitcoin is in its "infancy" and that results so far have been inconclusive.
It cites Overstock. But the authors also stress that it's too early to write bitcoin off, and that they will "closely monitor" merchant bitcoin-use in the coming months. The opportunity for bitcoin-linked companies is tiny compared to the potential gains available in other sectors identified in the report.
May 24, Profiles in Innovation Goldman Sachs Global Investment Research 3 Portfolio Manager’s summary Blockchain has captured the imagination of Silicon Valley and Wall Street . Apr 28, · Updated Apr 28, at p.m. PDT. (Daniel Acker/Bloomberg via Getty Images) Goldman Sachs (GS) has offered its first bitcoin-backed loan in the latest sign that Missing: pdf. Global Markets. Although market volatility declined in , our clients continued to rely on us for risk management, financial intermediation and, increasingly, financing. Net revenues grew by .