Despite a decline in fourth quarter, Samsung shows an annual profit up 40% in 2010 to 16,150 billion won (10.6 billion) with sales up 13.5% over 101 billion euros. Korean displays an insolent net margin of 10.4%, against 7.2% in 2009. The cash of 14.7 billion euros it also leaves the field to fund its various expansion plans.

Samsung bringing a growth of 40% of the market of mobile telephony this year, to nearly 1.4 billion phones sold worldwide, with a marked acceleration in demand for Smartphone. Korean has much advantage of this craze and put on a doubling in sales of smartphones this year. The good performance of the S Galaxy, its flagship Android-powered smartphone to maximize the incentive cash advance loan no fax.With 10 million copies sold in one semester, it represents one third of iPhone sales. The tablet group, the Galaxy Tab, also honorable debut on the market.

Good behavior screens

The Korean has nevertheless been affected by falling prices of components (memory and LCD panels) for the computing market and television. But he believes that a low has probably been reached. And to expect a recovery or stabilization of prices. Supply difficulties encountered by some manufacturers and a rebound in commodity prices are likely to contribute to relief of rates. In addition, Samsung will expand its range of TV screens to meet the growing demand for LCDs, especially in the entry level.

Even if Mark Zuckerberg pledged to bequeath half his fortune to the charitable foundation, Bill Gates, Facebook is not ready to become a philanthropic enterprise. The message to that effect, left Tuesday on top of its founder, was none other than the work of a hacker revealed by the site gizmodo.fr.

"If Facebook needs money, instead of going to the banks, why Facebook does not allow it to invest in Facebook users of social order? Why not turn Facebook into a 'social business' as defined at the Nobel Prize Muhammad Yunus? What do you think? ". When the social network raises huge sums from banks, this strategic change on the page mentioned by Mark Zuckerberg was surprising many observers.

Wall Street alert

The message had a finite life has still provoked the reaction of 1800 users after just three minutes. And the news was able to shake Wall Street. In fact, the company valued at nearly $ 50 billion is the object of desire, bank Goldman Sachs to venture capital firms.

An IPO of the new star of the Web expected in 2012, widely reported in the press, is also seen as a way to boost markets. Moreover, with its 500 million adherents and status of prescriber, the social network could lead other companies in its conversion to philanthropy. In short, investors would not digested the goose that lays the golden egg migrates to the works or social causes.

Since the "incident", the message and the many comments were deleted.The social network has also decided to strengthen its security: it now offers a secure HTTPS connection from end to end. It should be noted that combines Facebook hackers in recent days. The Facebook page of Nicolas Sarkozy has been hacked twice this week. A forger suggested the president's facebook page that he did not intend to run again in 2012.

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In 2011, many rules are changing in real estate. Besides the introduction of a new zero-interest loan and a Scellier recast the terms of the Plan Epargne Logement (PEL) will be upgraded from 1 March. The decree on the reform of the financial investment has been popular previously published this Tuesday morning in the Journal Officiel. The stated objective of the Ministry of Economy is to "modernize and enhance its attractiveness for the consumer, mainly by boosting its earnings.

With a salary remained unchanged at 2.5% since 2003 and access to mortgage rates higher than the market, the ELP was losing ground among investors since 2004. However, this investment allows them to be a personal contribution to a property purchase, according to its original purpose to promote homeownership.It also represents an important financial resource for banks, which contributes to the funding of loans. According to the statement released Tuesday by Christine Lagarde, outstanding ELP now represents 23% of mortgages. Yet this investment is in decline since 2005.

A higher rate of 0.4 points on average

The method of calculating the remuneration of the ELP will be changed for all accounts opened from 1 March bad credit payday advance. Previously set by the government, the applicable rate will now be recalculated each year based on market interest rates. A floor rate, at 2.5%, gives an advantage compared to PEL savings accounts for which no minimum payment is expected."With the proposed formula rate ELP would have been higher each year on average from 0.4 points to what he has been over the last ten years," argues Christine Lagarde said in a statement.

In contrast, mortgage rates which gives access ELP is not lowered, and will remain unchanged at 4.2% minimum. A rate higher than those charged by banks currently, the average granted last November for a 15-year loan amounting to 3.22%, a historic low. But the government expects the next rate hike to reinforce the advantage of the ELP. Another pitfall for the consumer: the taxation of investment will be slightly hardened, with a collection of social contributions made each year, when he intervened before the end of ten years. A tax system "more legible to the consumer," according to Christine Lagarde.

This is good news for public finances, although it may complicate the implementation of a reform of the taxation of wealth desired by the government.

The solidarity tax on wealth (ISF) has reported more than expected in 2010: 4.5 billion euros have gone into state coffers last year via the ISF, or 400 million more provided by the supplementary budget adopted at the end of the year, according to figures released Monday morning by Les Echos. It is even a billion euros more first envisioned by the initial budget act. The Budget Department, which for the moment, however, refuses to confirm this figure, announced that it will communicate about it in mid-February.

Revenue higher than pre-crisis

These additional revenue is good news for state finances.They mean that the economy is doing better than expected revenue of the ISF are even now slightly higher than before the crisis. In 2007, the solidarity tax on wealth was reported 4 payday loans direct lenders.42 billion euros, against only 3.59 billion in 2009.

However, the implementation of the reform of the taxation of wealth desired by the government will be more difficult to implement than the ISF is big. As part of this comprehensive reform whose content should be unveiled in late April, Nicolas Sarkozy has announced wanting to amend or eliminate the tax on capital. One of the main ideas is to relieve the upper middle class subject to the ISF due to a housing boom. The abolition of the tax shield, as prescribed by the Head of State, should in turn report that 700 million euros.ISF is returning more money into state coffers over the coming reform could be costly to the taxpayer. Or merely result minor adjustment of the tax on capital.

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This time, the Spanish government seems determined to take the bull by the horns. Having downplayed for months the difficulties that struggling fourth of its banking system, Madrid was ready to go to partly nationalize some savings if that became necessary.

This change of foot, compared with the soothing speech given so far by the Bank of Spain, due to the pressure put by the European Commission, and especially by the European Central Bank, which saw its funding boost for Spanish lenders. The aim is to avoid the scenario in Ireland. Late last year, Ireland's sick banks had to accept an aid of 85 billion euros.

The parallel is not trivial: whether in Ireland or Spain, the housing crisis is eating away at the balance sheet of credit institutions.To convince that the situation of Spanish savings banks has nothing to do with the Anglo Irish Bank and Allied Irish Banks others, Madrid will beef up its rescue plan. In particular, the Spanish government plans to encourage "cajas" to open their capital to investors through a possible initial public offering to cover their capital needs. If it proved impossible to attract foreign capital, the Fund for orderly restructuring of banks (FROB) is willing to "take a stake on a temporary basis." The formula, however, does not fool anyone: at this stage, investors are not lining up. The fund JC Flowers, specializes in turning financial institutions, chose to abandon an investment project.

The warning from Fitch

Much work has been restructuring operations in recent months.Under the leadership of the Bank of Spain, the cajas have started a consolidation which has limited their number from 45 in 2009-17 no teletrack payday loans. "This screening technique reduces the grip of local governments," says an expert. Operational side, the savings will have to close between 20 and 25% of their agencies and reduce their workforce by 15% on average.

During this first phase of restructuring, Frob has injected 11.6 billion euros of capital into new entities. Remains to be seen how many are missing. While the Wall Street Journal had an invoice raised from 30 to 80 billion euros, Elena Salgado, Minister of Finance, said the reality was "very far" from those amounts. UK broker Evolution him, amounted to 142 billion, 83 billion for the cajas, impairment losses on future loans to developers and other SMEs whose activities are often related to construction.Even Bankinter – which Crédit Agricole owns 20% – which has little exposure to real estate professionals, has seen its profits plunge last year.

Madrid, ultimately, has promised more transparency with the publication by the end of real estate commitments. The government will decide there and then create an entity – a "bad bank" – to use the impaired assets, as in Ireland? Everything seems still open. The rating agency Fitch has called for its part, yesterday Spain to establish a "credible bank restructuring plan," while stressing that the country score, which has a stable outlook, could be lowered if the recapitalization cost more than expected.

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Click on the thumbnail to enlarge the graphic.

Guillaume Pepy, SNCF president, Jan free credit report and score. 14. Photo credits: GERARD JULIEN / AFP

In a market supported by confident and good indicators in Europe and the United States, the CAC 40 finished sharply higher Tuesday night and closed above 4000 points. A peak not seen since ten months.

And this Wednesday, the trend is green: the CAC 40 rise another 0.18% to 4019.79 points, while Asian stock markets have stayed the course early this morning and bullish as Wall Street closed last night invigorated. United States, the strong performance of IBM and Apple have reassured the financial world. And good macroeconomic news have taken over. According to that day, at 14.30 in the U.S., housing starts and building permits in December.In addition, a point of view of technical analysis, the next resistance is at 4090 points for the CAC 40.

Note, however, last night, the rating agency Standard and Poor's has warned that the debt rating of the United States "will be put under pressure" if the government does not soon a "credible plan" to reduce its budget deficit. Moody's has also deteriorated on Wednesday morning note to long-term debt of Tunisia following the recent political changes and economic disruption resulting am.

On the foreign exchange market, the euro briefly exceeded $ 1.35 on Wednesday morning for the first time since Nov. 23, the greenback fell against all currencies.The euro has received some backlash, investors buying the currency after relatively successful bond issues by European countries in difficulty budget earlier this week, including Spain and Greece.

Edenred, Ingenico, Seb and Pierre & Vacances published

Also on Wednesday, banking stocks remain controlled while the finance minister, Christine Lagarde, hopes that the new tests for strength of banks expected to be completed by late spring. The official said Tuesday that details of the tests was discussed.

Vivendi: U.S. authorities have conditionally approved Tuesday by Comcast to acquire a majority stake in NBC Universal.A step that will allow Vivendi to finalize the sale of its interest in NBCU and cash it will allocate funds to the repurchase probably from Vodafone SFR easy payday loans.

Eiffage: 6.35% to 37.25 euros The group was selected at the expense of Bouygues (-1.83%, largest drop Cac), yet the most likely candidate, and Da Vinci (+0.35% at 41 , 89 euros) to finance, design, construction and maintenance of future high-speed line (HSL) Bretagne-Pays de la Loire, a market estimated at 3.4 billion euros.

Ingenico (4.17% to 28.50 euros) announced Tuesday again raised its 2010 earnings targets after posting organic growth of around 14% in Q4.

Seb (2.26% to 80.50 euros) reported Tuesday night with a turnover up 15% for the full year 2010, to 3.651 billion euros, bolstered by its sales in China.

IMS (2.77% to 13.72 euros) ade again in the fourth quarter benefited from higher metals prices, which resulted in an increase of 38.9% of sales over the last three months of the year's leading European distributor of specialty steels.

Alstom (-0.89% to 40.28 euros) and Remy Cointreau (1.20% to 53.29 euros) will unveil on Wednesday its sales in the first nine months of their fiscal offset.

Edenred (-0.54% to 18.55 euros), the former branch of prepaid services group Accor announced a croisssance 7% of its annual sales, supported by Latin America, and confirmed that its result during 2010 will range between 310 and 330 million euros.Accor will release on Wednesday.

Pierre & Vacances (1.02% to 62.43 euros) himself has posted a 11.7% increase of its quarterly revenue, supported in particular by its activity in property development.

CGG Veritas (-1.62%) announced Wednesday the launch of a convertible bond (Oceane) of approximately EUR 315 million maturing on January 1, 2016.

BioMerieux (-0.05%) will announce its turnover for the year 2010 after market close.

Note that yesterday, Gemalto rose over 6.6% at the close Tuesday night after signing a large contract with Japan for mobile payment. On Wednesday, the correct action of 0.26%.

Airbus beat Boeing on the line in the battle orders for new planes in 2010, Airbus crossing the symbolic passing of the 10,000 sales with a five-billion dollars spent by the company of Richard Branson, Virgin.

An avalanche of orders received at the last minute allowed the 100% subsidiary of EADS exceed its eternal rival American at the very end of the year, maintaining its number one spot for the third consecutive year in net.

Airbus, which gives its trade performance to a strong market recovery in emerging markets and in the segment of low-cost airline, has reported 644 orders for the last year, totaling more than $ 84 billion ( 63.4 billion euros) at list prices, against 625 units for Boeing. In late November 2010, Airbus was still lagging behind Boeing in the matter.The single month of December was marked by 200 orders for the European manufacturer.

"These figures show that the economic situation is improving. We avoided the specter of a new dive into recession. The civil aviation market has regained growth through Asia, with low cost carriers and emerging markets, "said John Leahy told reporters, commercial director of Airbus. He added: "Oil prices are the only negative point on the horizon."

The figure for 2010 reflects a firm order for 60 A320s at Virgin America, including Richard Branson owns a minority, low-cost airline based in California becoming the first confirmed client version A320NEO supposed to generate fuel savings 15%.

The transaction was finalized at the end of last month and is recorded in the 2010 data.But Airbus and Virgin have preferred to wait for the annual conference of the manufacturer to announce, both symbolically to mark the thousandth order and to put the company on the front of the stage.

Record number of deliveries

Airbus announced last week an order of magnitude potentially historic placed by the Indian airline IndiGo, including on A320neo 150, but the contract has not yet been finalized.

Adjusted for cancellations, total new orders for Airbus aircraft to 574 spring, weighing a total of $ 74 billion (again based on list prices) against 530 for Boeing, which gives the manufacturer a European market share 52% make quick cash.

The two world leaders in civil aviation is currently surfing on a strong wave of orders initiated by the global economic recovery and amplified by the high oil prices, which encourages companies to develop faster than expected new aircraft consume less fuel .

For the eighth consecutive year, Airbus delivered more planes than Boeing in 2010, also crossed the milestone of 500 units for the first time in its history.

Airbus delivered 510 aircraft last year, against 498 last year, nearly 50 aircraft of more than 462 units delivered by Boeing, a figure down 4% compared to 481 by 2009.

Airbus chief Tom Enders said that the total number of deliveries would be increased to 520-530 aircraft this year, adding that total orders for 2011 should be higher than supply, without giving more objective accurate."The year 2010 was above our expectations. We will have a more optimistic assessment of 2011, "he said. Airbus recorded a turnover of "some 30 billion" last year, against 28.067 billion in 2009, sued Tom Enders.

Up to 3,000 hires in 2011

Aircraft manufacturers receive most of the prices of their equipment at the time of delivery, which generally occurs 18 months after taking command, or even later.

The president also said Airbus consider raising the production target to 10 A330/A340 aircraft a month. The demand for the A330 has been boosted by the delay in the Boeing 787 Dreamliner, whose first delivery should be delayed again after an electrical fire occurred on board an aircraft during a flight from test.

The European manufacturer Airbus could hire up to 3,000 people in 2011 in Europe, half in France, to meet increased production rates and ensure the development of new programs, said Monday its leaders . "Given the attrition, which represent about 1,500 people a year, we could achieve a workforce of 54,000 employees at the end of the year," said Thierry Baril, Human Resources Director (HRD) Airbus, in conjunction with the annual conference of trade balance of Airbus in Toulouse.

The controversy has increased the ceiling on Friday on unemployment benefits managers, an idea launched Thursday by Pierre Mehaignerie, the UMP president of the Social Affairs Committee of the National Assembly, in an interview published on lefigaro.fr. The most virulent reaction came from the CFE-CGC. "There is no question of wasting our time with false good idea to limit who imagine in time, restrict or limit unemployment compensation on the grounds that it would promote more rapid reintegration into employment," said its chairman Bernard Van Craeynest. For the owner of the plant managers, unemployment compensation is "an insurance mechanism in which everyone contributes according to his salary and compensation is based on the injury he suffered" and that it is unimaginable to cap the reimbursement claims.As "for auto insurance," he says.

The idea of capping executive benefits is not new, since France is one country that offer the best conditions for compensation to the unemployed who were receiving a very high income. A framework for under 50, who has contributed for two years in its 28 months of activity and who had a monthly salary higher than 11,540 euros gross, so is certain to receive an allowance of 6,764 euros gross per month for two years. Or, after social security deductions, a check of nearly 6,000 euros every month! And if over 50 years – which is often the case at this level of compensation – the compensation period is extended to three years. By comparison, an unemployed German may touch 2215 euros per month for two years or, worse, 1073 euros for one year if he is Italian.Nothing to do so.

A ceiling of 3000 euros

The suggestion of the 4th vice-president of the UMP will have at least had the merit to highlight this feature of the French regime. "Pierre Mehaignerie raises a real problem that could encourage the social partners to be more imaginative" in the renegotiation of the agreement unemployment insurance that starts Jan. 24, admits it in the entourage of the head of the state. "The idea to release additional resources for youth employment is not so preposterous," abounds near Xavier Bertrand, Minister of Labour."Let us negotiate the social partners are aware of their responsibilities," they replied Lawrence Berger, the leader of the delegation CFDT, which he considers "Pierre Mehaignerie legitimate to speak", asks the policies do not encroaching on their field of negotiations.

Some unionists, however, agree on condition of anonymity that the plane frames allowances may be an idea to dig. "Why not, if it creates new rights for the other job," judge and a negotiator. A plant would even asked Unedic quantify the resources released if the ceiling was lowered to 3000 and 4000 euros … The reason? Few unemployed would suffer.Better, more "symbolic" – Unedic refuses to communicate – in view of the average amount of unemployment compensation (1111 euros gross per month), their average length of membership (10 months) and also the average wage French (1580 euros per month).

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Subscriber line SNCF Angers-Le Mans-Paris observed a "strike" have their tickets in protest against the degradation of service provided by the carrier rail. "From 160 to 200 subscribers who make a daily commute in Paris gather in the bar cars from their trains with badges" Subscribers on strike "and refuse to show their tickets," told AFP Pascal Mignot A spokesman of this movement, stating that controllers showed "very understanding".

"There is a clear degradation of service, for which we pay dearly, with repeated delays professionally very damaging," he said. This movement, which is not yet incorporated association also requires compensation for days lost during transport strikes in the fall, and sent a "letter of complaint" to the station."We want to extend the movement Tuesday lines Lille-Paris-Tours Paris, Reims and Paris-Lyon-Paris," said Pascal Mignot. An appointment with the regional branch of the Loire was scheduled for Friday afternoon.

A petition with more than 7,500 signatures

Meanwhile, a national petition launched at Le Mans in early January by the Association of passenger rail users in the Western region (Avuc) Friday were "more than 7,500 signatories," says Willy Colin, a spokesman payday loans in 1 hour. "This mobilization is at the level of dissatisfaction of users, so that the TGV EST," he says. He believes that the goal of 10,000 signatures should be quickly reached.

The petitioners, who also denounce the deterioration of service required including compensation for delays of ESTs, schedule adherence and a freeze on rate increases."Consumers are tired of being cash cows," said the Avuc in a statement. SNCF employees have joined the movement, Willy is Colin.

Sunday at the Grand Jury RTL-Le Figaro-LCI "Guillaume Pepy, SNCF chairman of the group announced No contingency plan for twelve lines" sick "of the SNCF. He cited the Paris-Amiens and Paris-Tours or the RER A line. "On each line, we will set up a barometer of public satisfaction, which will be measured each month," he said. The total cost of this plan is estimated at "several tens of million euros", drawn from the profits of the group.

(With AFP)

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