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The majority of the 500 largest European companies by market cap included in the Financial Times Europe 500 list lack critical IR content on their corporate website. Findings from KWD Webranking 2011 show that market information, financial goals and risks are scarce, and few present their debt maturity structures. The more worrying as this is the kind of information financial markets are looking for in these troubled times.

Only 10 companies mention their financial targets and achievements

The most apparent gap between stakeholder demands and actual performance occurs for financial targets and achievements. Among surveyed capital-market stakeholders, 87% want information on targets and 77% on financial achievements. Only 10 companies of the Europe 500 list provide both – Telecom Italia, the winner of KWD Webranking 2011, is one of them.

Few mention loans and repayment plans

Across Europe, the mention of interest bearing liabilities is also far below stakeholder demands. 3 out of 4 want information about loans and bonds. Only 40% of European companies present their liabilities and slightly less (37%) inform about repayments and maturity structure.

When doing sector analysis*, Gas, water & multiutilities ranks best in information on interest bearing liabilities (82% give at least some information). Not a single company in either Software & computer services or Household & luxury goods provides this information.

Telecommunications is the sector which has the best average score for debt maturity structures (48%). Here again, the Software & computer services sector provides no information.

Tobacco and Telecommunications companies reveal market shares

Virtually all companies (95%) have some information about their business operations but very few talk about market share – only 32%. For instance, in both the Oil equipment & services and Real estate sectors, only one company in each gives this data: the UK energy supporting company Wood Group and the French real estate company Klepierre.

The sectors with most transparency regarding markets, market shares and competitors are Beverages & Tobacco and Telecommunications, followed by Software and computer services.

From a geographical perspective, companies in Finland, the United Kingdom and Sweden are the most open ones on this topic.

Clear investor propositions are rare

Investors want a rationale for investing in a given company, but only 8% provide an investor proposition on their website. Of these, 46% are from the UK, 13% Germany and 8% France.

Our results show that only a few of the biggest companies across Europe take the time and effort to clearly outline their investment case on the corporate website. All the others expect the visitor to do the work to piece it together from random bits of information sprayed around the site. The 8% that do it properly are surely at an advantage as a potential investor I can understand the key strengths of the company in just a few seconds, says Phil Marchant, Managing Director (UK) of KWD.

Financial and operational risks are left out

The majority of the capital market (80%) finds it either important or very important with a risk management section with details on how well the company is prepared for risks and how they intend to react, should risks become a reality. Only 30% of the companies, however, present information about financial or operational risks.

Out of the 30% with risk management on their website, the following sectors have a higher proportion of companies giving this information: Insurance, Oil and gas producers, Beverages & Tobacco.

A sensitivity analysis is also highly sought after by financial analysts. Only 10% of the companies, however, present an estimate of how individual risk factors, such as fluctuations in currency or oil price, affect the companys business.

Telecom Italia has the best corporate website in Europe

Telecom Italia wins the annual survey of corporate websites performed by KWD Webranking (previously H&H Webranking) with an impressive 89 points, thereby pushing the Italian energy company Eni (87 points) down to second place after three consecutive years on the throne.

Winner in 2007, Telecom Italia has been in the top five of KWDs ranking of Europe 500 companies ever since. By further developing their presence in social media channels and providing a high level of interactivity with their website visitors, Telecom Italia managed to climb past Eni and regain first position. The integrated communication project, the “avoicomunicare” blog, presents several corporate social responsibility issues and is a good example where Telecom Italia stimulated open online discussions regarding major issues regarding the environment, sustainable development, biodiversity, potential synergies between cultures.

Another recipe for success is Telecom Italias perceptiveness in understanding target group needs and providing a content rich corporate website. The Press- and Financial Reporting sections are particularly outstanding, both receiving top scores in the survey.

The German chemical company BASF breaks the Italian dominance in the top spots and claims third place with 83 points, one notch better than in 2010. A second energy company secures position in the top five, namely Repsol (81.75 points). The Spanish company makes an impressive leap from 10th place in 2010 to 4th. And for the first time, Swedish SCA becomes a member of the big five with 80.5 points.

Gas and Pharmaceuticals improve websites the most

When looking at the percentage change in rank of the 28 sectors in Europe 500 compared to 2010, two sectors outshine by far: Gas, water & multiutilities and Pharmaceuticals & biotechnology.

The Gas, water & multiutilities sector makes a major leap from 4th place to 1st. Italian Snam Rete Gas, German RWE and English Centrica are the strongest in the sector. The Gas sector is especially strong in the Corporate Responsibility section of the corporate website, providing information about supply chain standards and sustainability index as well as working actively with membership and sponsorship programs, community involvement and charity. The majority of the companies also have the latest CR report online and a CR contact.

Treading on their heels, Pharmaceuticals & biotechnology goes from 9th place to 3rd. The sectors key competence is providing enticing yet functional home pages, comprehensive and accessible general information about the company and its business principles as well as creating an attractive Career section to draw the attention of new talents. Finnish Metso and W

CreditQ believes that standard credit card blurbs, alone, are not very useful for most consumers trying to navigate the sometimes difficult (and often confusing) process of applying for new credit. The thought is: Wouldnt it be great to get advice and information from other consumers who have applied for, or who currently use, the credit cards another consumer is thinking of getting? CreditQ thinks so.

Currently, the industry is rife with sponsored websites that provide biased or otherwise non-descript reviews of the credit card products they offer. While these may seem useful at first, often the educational information provided is of low quality, and cannot fully address the concerns and questions most consumers have. CreditQ.com believes that instituting and promoting an environment of transparency, in which consumers have access to honest feedback and truthful reviews, is something all credit card websites should strive for.

Consumers that visit the CreditQ website may read comments and reviews, or sign-up to leave their own comments and reviews. The website anticipates that encouraging consumer participation in this area is extremely valuable to others. Specifically, in a struggling economy, many consumers are rightfully concerned about their credit scores, and want to avoid applying for credit cards that they may not be approved for. While the website makes every attempt to list the most accurate credit card approval information sent directly from the issuers themselves (including the credit rating needed for approval), this information represents the only the average applicant. Instead, CreditQ thinks there is a great deal of value in allowing actual applicants to interact with one another, to inform each other about what specific qualifications might be needed for approval.

Additionally, while CreditQ also incorporates a great deal of product information on each of its credit card pages, the website recognizes that certain valuable product information can only be gleaned from other consumers who actually know and use a product. For example, the level of customer service and/or level of satisfaction consumers experience with a specific credit card issuer. Often considered an important factor in consumer choice, generic credit card reviews cannot include details about how a credit card issuer handles problems and issues that customers raise, or whether the issuer has a good track record of resolving problems to the customers satisfaction. This type of information is truly important to future customers, and is the reason CreditQ provides this service.

Ultimately, CreditQ.com hopes that the addition of unbiased comments and reviews of its products will help consumers better understand their choices, helping them make more informed decisions. The website anticipates that the inclusion of this feature will complement and supplement its efforts to provide the most current and accurate financial advice and information to consumers. The company is always looking for ways to not only connect consumers to financial resources, but to offer ways to help people lead better financial lives.

About CreditQ.com:

CreditQ.com strives to deliver pertinent, accurate, and useful information to consumers interested in all aspects of financial planning and personal finance. As an online financial resource center, the company provides direct access to credit card applications, such as credit cards for fair credit, department store credit cards that help build credit, insurance providers, bank rates, such as money market accounts rates, CD rates and more. Additionally, the site also endeavors to disseminate appropriate and helpful information through the publication of articles, news-related releases, blog postings, discussion forums, and additional content that addresses changes within the financial industry. The company is always looking for financial experts, and/or anyone with specialized knowledge and interest in financial topics, to contribute in a meaningful way to its site.

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DDR Corp. secures 3 million in new long-term debt
(NYSE: DDR) said it has secured $ 353 million in new long-term debt that is comprised of a $ 250 million unsecured term loan and a $ 103 million mortgage loan. The Beachwood-based real estate investment trust that specializes in shopping center said the …
Read more on Crain’s Cleveland Business

DDR Announces the Closing of 3 Million in New Long-Term Financings
DDR's remaining 2012 consolidated unsecured debt maturities consist of $ 223 million of unsecured notes that mature in October 2012, and the company has no other unsecured maturities in the next three years. Upon funding of the recently closed …
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TCG, a leading government technology strategy and IT consultancy, announced today that one of the government programs that the company supports is a finalist for a prestigious government IT award.

The Department of the Treasurys Budget Formulation and Execution Manager (BFEM) program is short-listed for the 2012 Excellence.Gov Awards, which are sponsored by the American Council for Technology and Industry Advisory Council (ACT-IAC). BFEM is a finalist in the Excellence in Enterprise Efficiencies category. The overall winner in each of the six categories will be announced at the awards luncheon, which is open to the public, on March 13, 2012. The list of finalists and registration information is available on the ACT-IAC web site.

The BFEM program is a multi-agency project operated by Treasurys Bureau of the Public Debt. It consists of two primary components: the first is the BFEM system itself, which allows Federal agencies to produce their annual budget requests; the second is the BFEM Program Management Office, which works with BFEM customers, stakeholders, and support providers to ensure the efficient development, operation, and implementation of the system for its customers. Together these two aspects streamline the budget formulation process for agencies by transforming a paper-bound process into an electronic system of record, and by helping agencies benefit from best practices drawn from across the government. This innovative web-based approach saves time, reduces errors, and saves taxpayer dollars. TCG supports the BFEM program with a range of services, including program management, business analysis, program implementation, systems architecture and development, and operations and maintenance.

Programs like BFEM are improving government performance while saving money, which supports TCGs goal of saving US taxpayers $ 1 billion by 2016, said TCG President Daniel Turner. Were elated that the judges recognize BFEMs value, and we are proud to provide support to this important program.

About TCG

TCG (http://www.tcg.com) is an award-winning small business that specializes in tailored information technology solutions and consulting services with a particular focus on grants management, collaboration platforms, and budget formulation and execution. TCG transforms information technology infrastructures and inconsistent processes to integrated environments built on reusable functionality, consistent business processes, and interoperable infrastructures. The multiple awards that TCG and its clients have received demonstrate the benefits of using best practices such as CMMI, ITIL, and PMBOK to meet complex technology and management needs.

TCGs company goal is to save the US taxpayer $ 1 billion by 2016. So far the company has saved the government in excess of $ 265 million by automating once-costly processes, using time-saving and money-saving processes in developing code, helping the government restructure its business processes, and paying careful attention to the companys own expenses on contracts.

About ACT-IAC and the Excellence.Gov Awards

The American Council for Technology (ACT) (http://www.actgov.org) is a non-profit educational organization established in 1979 to assist government in acquiring and using information technology resources effectively and efficiently. Working with all levels of government, ACT provides education, programming, and networking opportunities that enhance and advance the government IT profession.

In 1989 ACT established the Industry Advisory Council (IAC) to bring industry and government executives together to exchange information, support professional development, improve communications, and build partnership and trust, thereby enhancing government’s ability to serve the nation. ACT and IAC work together to provide an objective, professional and ethical forum where government and industry leaders can collaborate on addressing common issues towards a shared vision.

ACT-IAC created the Excellence.gov Awards in 2001 to acknowledge and recognize government programs that use information technology (IT) to advance the business of government in an effective, efficient and innovative manner. Any government program that is operational and uses IT may submit a nomination. The nominations are reviewed by a panel of judges with representatives from both government and industry.

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Hidden IRS Tax Consequences of Home Mortgage Debt Forgiveness
You may not have any more money, but because you didn't have to pay money to a creditor – in the collective mind of the IRS – your gross income increased. Hidden IRS Tax Consequences of Home Mortgage Debt Forgiveness By Lawrence 'D' Pew, …
Read more on JD Supra (press release)

Usabilla (http://www.usabilla.com), the easiest and most fun way to collect quantitative and continuous user feedback on a webpage, announced the publication today of a new report on the user experience (UX) and usability similarities and differences of the largest retail banking websites in the United States, United Kingdom and Germany including Bank of America

Leading global market research firm Synovate today announced the winners of its 2011 Best Banking Awards in Canada. The annual award program recognizes Canadian financial institutions with the top ranked customer service for personal banking experience based on various key performance indicators.

Rob Myers, Executive Vice President of Synovate North America, said: Understanding and improving the customers experience is one of todays top priorities for all financial institutions. Over the past couple of years our banking industry has proven to be strong and reliable. Our study results reaffirm that Canadian financial institutions continue to focus on making improvements for their customers. Congratulations to all of the winners of this years Best Banking Awards.

Established in 1987, the Synovate Customer Service Index (CSI) quarterly survey generates the winners of the annual Best Banking Awards. This years Awards were based on the combined results of quarterly CSI surveys ending August 2011 and conducted among a regionally and demographically representative sample of Canadians. A total of 40,353 household responses were received for the 2011 CSI program year, providing extremely robust feedback from customers and allowing for highly detailed analysis of the results nationally and regionally.

For the seventh time, the overall Customer Service Excellence award for 2011 among all financial institutions in the retail banking sector went to the Credit Unions (aggregate of individual Credit Unions), while TD Canada Trust (TDCT) took top honours among the Big 5 Banks.

Synovate Best Banking Award Recipients for 2011 among All Financial Institutions

Customer Service Excellence

Credit Unions

Value For Money

Presidents Choice Financial

Values My Business

Credit Unions

Recommend to Friends or Family

ING DIRECT

Interest Rates & Service Charges

ING DIRECT

Products & Services Excellence

ING DIRECT

Financial Planning & Advice

Credit Unions, RBC Royal Bank, TD Canada Trust

Branch Service Excellence

Credit Unions

ATM Banking Excellence

Desjardins Caisses Populaires, National Bank, RBC Royal Bank, TD Canada Trust

Online Banking Excellence

ING DIRECT, TD Canada Trust

Telephone Banking Excellence

Credit Unions, Desjardins Caisses Populaires, ING DIRECT, TD Canada Trust

Synovate Best Banking Award Recipients for 2011 among the Big 5 Banks

Customer Service Excellence

TD Canada Trust

Value For Money

TD Canada Trust

Values My Business

TD Canada Trust

Recommend to Friends or Family

RBC Royal Bank, TD Canada Trust

Interest Rates & Service Charges

BMO Bank of Montreal, RBC Royal Bank, Scotiabank, TD Canada Trust

Products & Services Excellence

RBC Royal Bank, TD Canada Trust

Financial Planning & Advice

RBC Royal Bank, TD Canada Trust

Branch Service Excellence

TD Canada Trust

ATM Banking Excellence

RBC Royal Bank, TD Canada Trust

Online Banking Excellence

TD Canada Trust

Telephone Banking Excellence

BMO Bank of Montreal, RBC Royal Bank, TD Canada Trust

Notes:

1.

Slaughter and May | China Construction Bank (London) – £17 million bilateral …
An £18 million standby letter of credit in respect of the loan was issued to the lender by its PRC parent, China Construction Bank Corporation, Shanghai Branch. The standby letter of credit was secured by a Renminbi cash deposit from Jaguar Land Rover …
Read more on Linex Legal (press release) (registration)

Readers Write 1/29
A recent letter (“Take our country back? From whom, I wonder,” Readers write, Opinion, Jan. 22) aptly displays today's norm: that any hint of disagreement with the political left must be branded as racism. The author did indeed play the race card …
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CRM COLLATERAL II, INC. v. TRICOUNTY METROPOLITAN TRANSPORTATION DISTRICT OF …
The contract ("Railcar Contract") required Colorado Railcar to secure a $ 3 million standby letter of credit, which Colorado Railcar arranged through CRM Collateral II, Inc. ("Collateral II"), a bankruptcy remote entity. 1 TriMet certified Collateral …
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Marin Alsop Leads the BSO in Multimedia Production, Voices of Light, March 2-4

Rare performance brings live soloists, chorus and orchestra to silent film

Baltimore, Md. (January 27, 2012) Music Director Marin Alsop will lead the BSO and Baltimore Choral Arts Society in Richard Einhorns large-scale, multimedia work Voices of Light The Passion of Joan of Arc on Friday, March 2 at 8 p.m. and Sunday, March 4 at 3 p.m. at the Joseph Meyerhoff Symphony Hall and Saturday, March 3 at 8 p.m. at the Music Center at Strathmore. Marking the 600th anniversary of the birth of French heroine and martyr Joan of Arc, the BSO commemorates her life with Einhorns Voices of Light, accompanied by the works original inspiration, the extraordinary 1928 silent film The Passion of Joan of Arc by Carl Theodor Dreyer. The landmark silent film features actress Ren