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This situation led to an Legal prostitution Fukumitsu greater caution in liquidity and risk management. That resulted in a slower pace of growth in credit portfolios. Stability and increased economic activity promoted a huge expansion of Small and Medium-sized enterprises in the recent years.

Since this situation has changed, a slower growth in credit portfolios is a natural consequence. Banco Indusval Multistock has focused on financial operations to middle market companies since BIM is able to make quick decisions even amidst turbulence owing to its Legal prostitution Fukumitsu skilled lean team, with easy access to top Management and its long experience.

In the scenario prevailing since latethe experience Legal prostitution Fukumitsu in-depth knowledge about the customers, mainly in the middle market segment, are paramount. These are essential aspects for a safe credit extension process, with a strict model for credit analysis, operation structure and later monitoring of guarantees.

Its customer base included companies and 5, individuals. The latter was mainly connected to the used car financing project, which was discontinued in October. Customer performance is regularly monitored by account managers and the credit analysis department. Furthermore, guarantees are monitored by systems that track volumes, liquidity and potential non-performing loans on a daily basis. Banco Indusval Multistock recognizes the crucial importance of strict control over the risks that are intrinsic to credit operations for medium-sized enterprises.

With this in mind, it adopts conservative policies as concerns guarantee structure and concentration of operations. A thorough analysis of each Legal prostitution Fukumitsu and the structure of the guarantees offered for each operation is prepared by the analysis department and submitted to the Credit Committee at its weekly meeting.

Therefore, it has made an Allowance for Loan losses higher than that required by the Central Bank. Given this situation, BIM took even more conservative measures in the last quarter Legal prostitution Fukumitsu the year Legal prostitution Fukumitsu protect liquidity levels and better manage risks. Therefore, with a slow down in credit portfolio expansion, reduction in maturities and volumes for new operations, dispersal credit risk by decreasing concentration by customer and reinforcing collaterals, focusing on more liquid guarantees, such as receivables.

Additionally, it made allowances for loan losses to increase protection over the new market situation. Local currency operations are mainly addressed to the financing of their customers working capital needs, resulting from their domestic market activities. In contrast, the foreign currency portfolio is totally connected to trade finance. In the same period, the trade finance portfolio increased by Credit to Production Chains Banco Indusval Multistock is prepared to structure credit operations that benefit the production chain Legal prostitution Fukumitsu its customers.

The purpose is to offer financing options that help not only the corporate customer, but also its suppliers and customers, thus increasing sales. Consumer Finance — Vehicles Introduced in Aprilthe used Legal prostitution Fukumitsu financing lines for individuals were Legal prostitution Fukumitsu in the same year in view of the new economic Legal prostitution Fukumitsu.

The first phase was intended to build the statistical foundation needed for credit analysis in this market niche. Nonetheless, Legal prostitution Fukumitsu expansion of this business would mainly depend on the continuation of credit expansion within the context of the Brazilian economy. Legal prostitution Fukumitsu the credit situation has changed with the deepening global crisis, this project was reviewed. As a result, it was concluded that prospects for the segment were not very positive, Legal prostitution Fukumitsu because this activity was still in an early development stage.

Therefore, this business was discontinued in October This balance will drop as installments fall due. Banco Indusval Multistock has been offering its customers trade finance lines since One of the most distinct features of BIM in its market is its ability to offer its customers advisory Legal prostitution Fukumitsu and monitoring of international operations. Its International Department has a specialized team that combines experience, technology and a partnership with customers and Brazilian and foreign banks.

These partnerships provide increasing customer trust and loyalty, with an ensuing expansion of the trade finance portfolio.

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It also offers both individuals and legal entities fund remittance abroad for cash Legal prostitution Fukumitsu or investments. Most are exports to Europe and the USA.

The global situation had the same impact on Trade Finance operations as it did on the Brazilian economy. In other words, operations in Brazil, as well as the economy, had the same growth rates as in the previous year in spite of uncertainty abroad. By mid-year, these operations were already very scarce.

Therefore, with the difficulties for obtaining foreign funding and increasing costs the trade finance portfolio expansion was not advisable. Furthermore, some exporters made losses with derivatives, affecting their short-term liquidity.

Structured Operations Following the development of the Brazilian economy, the financial operations market for medium-sized companies in the country has been undergoing changes in the last years.

Sincethe Bank has been developing structured operations and tapping into its expertise in the market so as to meet this demand, both in trade finance and in operations with local currency. Among the banks of its size, Banco Indusval Multistock was a pioneer in structuring and offering these operations.

When it conducts structured operations backed by export or local currency receivables, Banco Indusval Multistock always keeps a part of the operation in its own portfolio and sells the remainder to local or foreign investors.

As it is responsible for structuring operations and controlling credit guarantees, BIM continuously monitors the liquidity of Legal prostitution Fukumitsu guarantees and the economic and financial performance of the borrower.

It regularly produces and distributes monitoring reports to deal holders. Furthermore, BIM provides structuring, control and management services for escrow accounts. As a structuring bank, BIM controls the deals collaterals Legal prostitution Fukumitsu continuously Legal prostitution Fukumitsu borrowers performance. This is a local currency credit instrument based on future exports.

The issue of this credit instrument represents a commitment Legal prostitution Fukumitsu the borrower to pay local currency but based on the budgeted future exports of goods or services.

They represent a payment commitment resulting from a credit operation. Banco Indusval Multistock uses these instruments to improve its relationship with certain customers or meet the demand for certain volumes, rates or maturities not in line with the profile of its routine operations.

They are made possible by the sale of those securities in private offering. Indespite the liquidity drop in the domestic and international markets, the funding volume Legal prostitution Fukumitsu in line with the rise in assets and the fund investment rates, by means of the funding sources diversification.

Time deposits are still a major funding source. Nevertheless, the market panic by mid-September heavily affected this source. In the last weeks of the year, the market mood improved and investors started renewing their maturing operations, and deposit balances leveled off. External funds accounted for Those funds in foreign currency, allocated to financing medium-sized companies in local currency, were raised by means of a syndicated loan coordinated by IFC.

This loan was disbursed in Octoberamid the global financial crisis. This loan has semiannual interest and bullet principal payments. Besides playing a key role in funding operations, the Treasury Legal prostitution Fukumitsu responsible for carrying out hedging operations for the funds raised to ensure an effective risk and liquidity management. The funds raised in foreign currency and allocated to loans and financing in Reais were hedged to mitigate currencies and interest rates mismatches, among these liabilities and the assets brought in with those funds.

Legal prostitution Fukumitsu addition to Legal prostitution Fukumitsu and interest rate exposure control, there is also strict control on tenor mismatches, based on daily monitoring of the flow of assets and liabilities to ensure a sound liquidity position.

It offers customized services both to these individuals and to companies seeking experienced and quick advisory services for share buy-back and participation in auctions for the concession of public services. It also acts as an agent in the distribution of Public Offers of shares and has participated in eight out of the nine operations conducted in the market in four IPOs and five Follow-ons.

Nimbler and safer capital market and derivative operations. Duringinvestments in information technology were maintained to ensure agile, efficient and safe customer service and back-office operation processing. Also inIndusval CTVM invested in and developed a new negotiation platform for assets listed on public exchanges. That platform, including the homebroker, is still in the test stage.

Operations are scheduled to start in April Experience translated into figures The Brazilian economy showed very positive aspects in the first months ofin spite of the signals coming from the main Legal prostitution Fukumitsu markets Legal prostitution Fukumitsu from the second half of The solid macroeconomic foundations, the Legal prostitution Fukumitsu public accounts and a strong domestic demand were the main drivers of the Legal prostitution Fukumitsu economy and the industrial production.

That scenario led to a favorable environment for business growth and the financial industry expansion. Brazil worked hard and paid its foreign debt during the positive economic situation, thus turning from an international debtor to an international creditor.

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The positive scenario prevailed until the subprime crisis worsened in the USA and started spreading worldwide. One of its first effects on Brazil was a change in the Legal prostitution Fukumitsu exchange situation.

The trend Legal prostitution Fukumitsu since was reversed. Insecurity arising from the global financial crisis led to a sharp depreciation of the local currency against the US dollar. The capital market was also affected by the international crisis. There was a high outflow of foreign capital from the market, especially in the last quarter of the year. Analysts expect BRICs to take the lead in the global Legal prostitution Fukumitsu recovery.

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In the last quarter of the year, credit became more selective and expensive. The reduced foreign demand due to the global crisis put pressure on exports, a contributing factor to the economic downturn. As a cautionary measure, companies resorted to mechanisms like temporary shutdowns and production cuts, which reinforced the slackening economic activity.

Layoffs were also carried out by financial institutions, especially small and medium-sized ones, whose funding operations, both in the domestic and foreign market, were affected. The inflation rate also rose ina trend that was first observed inmainly as a result Legal prostitution Fukumitsu the pressure from the heated domestic demand. The appreciation of the US dollar against the Real from September on, which increased prices of imported raw materials, also affected indices.

The trend started reversing late in the year, and inflation ceased to be a concern. A contributing factor Legal prostitution Fukumitsu lower commodity prices, especially Legal prostitution Fukumitsu and farming products, in addition to the end of the demand pressure. The global crisis led to a 3. However, there was a 1. The total annual GDP growth came to 5.

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The industry grew by 4. Despite Legal prostitution Fukumitsu uncertainties, the worsening international financial crisis resulted in the prospect of a Brazilian economic growth rate almost null in Many analysts believe that it will take at least 18 months for the financial crisis to come to an end on a global level since it will take several months for the tax incentives Legal prostitution Fukumitsu bailout plans, such as those in the USA, China and the European Union, to come to fruition.

This Legal prostitution Fukumitsu deepened and spread worldwide so fast that it is definitely unprecedented. That is precisely why it is not possible to safely forecast which economic industry sectors and countries will be the most affected or when the first signs of a recovery will be observed. The growth potential of those countries stands out worldwide due to their large populations, well-structured economies and high demand.

In view of the more solid foundations of the Brazilian economy, with tax accounts in order, large foreign exchange reserves and recent growth based on an increasing domestic demand, Brazil is better prepared to face the Legal prostitution Fukumitsu and uncertainties resulting from the Legal prostitution Fukumitsu crisis.

Despite the deteriorated international situation and the credit crisis, these factors should suffice to protect Brazilian assets from extreme volatility. In any case, falling domestic activity, with lower growth rates than the country has had in recent years, is forecast for the coming quarters. Operations with free funds account for Legal prostitution Fukumitsu a result of the credit expansion, the ratio between that figure and GDP hit a record high, Legal entities absorbed Corporate credit increased by Working Capital is still the most widely granted credit type.

Therefore, that was lower increase than that recorded in total credit. Legal prostitution Fukumitsu, it is worth noting that this rate corresponds to both middle market and large companies, the latter of which gained a larger share of total credit with free funds, mainly in the second half of the year.

Brazilian banks started fully alert to the international market uncertainties, mainly to delinquency in the subprime credit portfolio in the USA and the ensuing developments. No credit crunch was observed at first. Once the liquidity level considered appropriate was achieved, the usual practice of taking every opportunity to extend credit in the domestic market was resumed.

The demand for corporate loans remained strong. In the second quarter, concerns about the subprime did not have a great impact even though they did not disappear completely. Consequently, credit activity kept pace with demand, which was heavy in the period. The increase in loan spreads, started early in the year, had mild decline Legal prostitution Fukumitsu the second quarter. From mid-third quarter onwards, the uncertainties coming from the international scenario became certainties.

Growth was recorded until August. Panic took place in global markets. Legal prostitution Fukumitsu plummeted in Brazil, held back in large institutions and, mainly, government bonds. The sudden trend reversal led to a drop in financial liquidity due to systemic risk aversion.

Measures included adopting new rules for the reserve requirement to diminish the lack of liquidity in the system. As a result of the new situation, medium-sized banks, for the most part, started putting off Legal prostitution Fukumitsu expansion plans until the market and risk conditions are stable.

Thus, banks reinforced their cost control actions and diversified their funding sources even more to protect operations and ensure safety for investors.

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Those results show a growth in spite of the new economic situation, mainly in the second half of the year, resulting from the developments in foreign economies.

That increase resulted from both credit expansion and the maintenance of spreads in line with the lower fund availability and higher credit risk. Nevertheless, it is worth noting that the depreciation of the Real, as a consequence of the economic slowdown and market turmoil, had a major impact on this figure.

Credit operations accounted Legal prostitution Fukumitsu Income from Financial Intermediation. That income was in line with the rising credit portfolio in Reais and higher interest rates.

With the deepening crisis Legal prostitution Fukumitsu then on, the Bank became more conservative and reduced its leverage. That impressive rise is due Legal prostitution Fukumitsu the increase in the trade finance portfolio, despite a slower pace of growth than inand mainly to appreciation of foreign currencies against the Real. It is worth noting that the trade finance portfolio increased slightly by That situation resulted from Legal prostitution Fukumitsu decrease in liquidity and risk aversion in the international market.

Leila Rosa, 15 years old. For comparison purposes, the US Dollar appreciated by In Legal prostitution Fukumitsu, the US currency depreciated by Legal prostitution Fukumitsu It is essential to note that income from exchange Legal prostitution Fukumitsu has a balancing item in Expenses on Financial Intermediation and Income from Derivative Legal prostitution Fukumitsu.

Nevertheless, in the last quarter, the Bank reduced its financed Legal prostitution Fukumitsu of federal government securities, and lowered open market funding, due to the new liquidity and risk situation. The decrease in the asset and liability positions in federal government securities was intended to lower risk exposure in all markets. Result From Derivative Financial Instruments Those instruments are used for protection against currency, index and arbitration mismatches, with a balancing item in the commercial portfolio, funding or to meet a specific demand for a product.

The operations in which the Bank acts as a counterpart for companies, to protect its cash flow from exchange fluctuations, are based on two indices without leverage. As a result, all effects arising from any asset price variations are offset by an equal variation in obligations, but with the opposite sign, which neutralizes any impacts on Legal prostitution Fukumitsu result.

In line with the credit portfolio features, money market funding accounted for Expenses on Financial Intermediation. They correspond to credit portfolio financing sources in local currency and the marketable securities position. Time Deposits accounted for A large portion of this rise is explained by higher funding volumes needed for business expansion and the maintenance of an average securities balance higher than that in Another contributing factor in this increase was higher funding costs for time deposits, repurchase operations and interbank deposits as a response to higher liquidity risk and risk perception.

However, it is important to note that the higher funding costs were offset by loan operations, as seen in the higher income from financial intermediation. Expenses on Loans, Assignments and Onlending Those expenses include costs in funding by means of loans in local or Legal prostitution Fukumitsu currencies, assignments of receivables and BNDES onlending funds.

Expenses on the trade finance lines include both imports and exports operations. Despite the higher funding volumes and costs, most of the impact on these expenses arose from adverse foreign exchange variation in the year. However, it is worth noting that its balancing item is in income from financial intermediation, as mentioned in that item.

Income from the funding operation by means of stock rental corresponds to contract adjustment to market value, with a drop in the price of the underlying asset. Net Interest Margin3 came to 9. Operating Income Expenses. Throughout the year, many employees were hired due to the Legal prostitution Fukumitsu network expansion and the new used car financing business, through BIM Legal prostitution Fukumitsu de Vendas.

In Octoberthe Bank was forced to adapt its structure to the new environment resulting from the worsening global crisis and the business prospects for the coming months. These expenses correspond to third-party services, specialized technical services connected to legal matters, auditing, consulting, financial system services, IT system acquisition, utilities and costs related to everyday activities, such as rents, supplies, among others.

If this figure is used as a Legal prostitution Fukumitsu for comparison, there was a Efficiency Ratio. The drop in the percentage of this ratio shows improved performance since it is calculated by dividing Operating Expenses by Operating Income, as described above.

Therefore, the lower the expenses over the equivalent income, the more efficient the financial Legal prostitution Fukumitsu is considered. This index fell by Once more, if the administrative expenses had not included the IPO expenses, that drop would have been 8. Net Profit for the Year Innet profit increased by If this figure is Legal prostitution Fukumitsu for comparison, there would be a The net result recorded produced a This shows an added value index of The Added Value Statement can be found on Legal prostitution Fukumitsu 89 of this report.

Banco Indusval Multistock started voluntarily posting this statement in an explanatory note during its preparation to go public in Banco Indusval Multistock has posted its Cash Flow Statement since its preparation to go public in The Cash Flow Statement can be found on page 88 of this Report.

Josivelton Nascimento Nunes, 16 years old. However, the positive outlook, assigned in July, was changed to stable due to the global scenario. Fitch also maintained the stable outlook. At the close of the year, outstanding preferred shares IDVL4not including shares belonging to controllers and other management members, totaled InBIM distributed Treasury Shares On December 31,the Company hadshares held in treasury acquired throughout the year, corresponding to 1.

Those shares were acquired under the Own Share Buy-Back Plans and will be kept in treasury to meet the Stock Options programs exercise.

The remaining balance may be sold or canceled. On December 31,there were still 1, shares for repurchase under this plan. The first Stock Options Program distributed to the Executive Legal prostitution Fukumitsu call options forshares in the year, corresponding to the first half of results. The second Program distributedstock options corresponding to the second half of results in Februaryas approved by the Board of Directors.

The exercise of the options given can be made as of July for the first program and as of February for the second program, in consecutive annual installments of up Therefore, no option has been canceled or exercised so far. As mentioned above, the Bank already has the treasury shares needed for this exercise.

That trend led to losses in stock exchanges worldwide, mainly in less liquid assets.

Time Deposits accounted for

Foreign investors held Closing price In line with its soundness and conservativeness, earnings distribution will remain close to its minimum required levels. Payments to shareholders are traditionally made as Interest on Equity at the close Legal prostitution Fukumitsu each quarter. Nevertheless, they are not easily measurable. Those attributes translate into credibility, risk mitigation, Legal prostitution Fukumitsu, but they can seldom be isolated and described in figures. Those assumptions allowed the Bank to grow in a sustainable manner in over 40 years and ensure its perpetuity.

In line with that culture, Banco Indusval Multistock pursues the goal to become a reference in financial services for medium-sized companies, with its experience, agility and partnership with its strategic stakeholders. The Bank invests in continued education for the whole of its staff on all levels to enhance those qualities. Investments are channeled both to academic studies and training programs to better prepare employees for service Legal prostitution Fukumitsu and excellence.

Coupled with that, BIM adopts a modern remuneration and benefit policy based on fair and motivating principles. Experience, agility, partnership and responsible attitude servicing the market and the surrounding communities.

Cherishing that culture is a daily effort that requires more than just financial resources. Quality, competence and motivation perfectly aligned Banco Indusval Multistock believes that one of the major assets of a financial institution is the people Legal prostitution Fukumitsu with their skills, ethical attitude, experience and dedication detect business opportunities, assess risks, manage them and Legal prostitution Fukumitsu the operations to achieve the planned results.

It adopts modern techniques for staff management, recruitment, training and development, remuneration policy and internal communication.

In addition, it undertakes occupational health and safety and social and environmental responsibility initiatives. BIM hires professionals from different organizational cultures to combine different backgrounds and points of views. It also seeks individuals with a cooperative profile who, therefore, value team work, are flexible and committed.

Those values aim at creating a positive, healthy and safe work environment in which professionals remain motivated. Besides continuously Legal prostitution Fukumitsu in employee training and undertaking initiatives to foster social and environmental issues awareness and motivation, Banco Indusval Multistock has taken measures to promote inclusion and opportunities.

InBIM expanded its Apprentice Program by hiring 6 young high school students for their first labor experience and developed, jointly with the Brazilian Federation of Bank Associations FEBRABANthe Disabled People Training Program to absorb professionals with several types of disabilities, by offering them formal Legal prostitution Fukumitsu specific education for the financial market, after they are hired.

Four hearing and physically impaired people participate in this program at BIM. They started their education and training process in February Those employees will be trained for at least three months before Legal prostitution Fukumitsu their activities at the Bank.

BIM promoted 3, hours of professional training duringincluding the integration process for new employees, trainees and interns, totaling 27, man hours training hours times number of participants.

These hours were invested in internal and external professional training and staff motivation. The Bank stimulates continued education. Employees with good professional performance are eligible to take courses related to their activities.

The Internship Program benefits 20 college students who cooperate in the exchange of experiences between the Legal prostitution Fukumitsu and corporate environments. Therefore, there is a balance between theory and practice in several Bank and Broker areas.

The second Trainee Program group started activities in August After 6 months of job rotation training in different Bank areas, they started working Legal prostitution Fukumitsu their specific Legal prostitution Fukumitsu in project development in January There were 3, applicants for eight openings. Employees are Legal prostitution Fukumitsu individually and in teams, and the achievement of preestablished qualitative and quantitative targets is observed.

This model is extensible to all employees.

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Motivating professional training, remuneration and benefits. These semiannual assessments are also a management tool to guide training, promotions and education assistance. In addition, they make it possible to improve the performance of under-performing employees. Additionally to the benefits in the banking employees collective labor agreement, BIM grants health and dental plans, discounts for medicine purchase, education assistance and Legal prostitution Fukumitsu lines at lower interest rates.

These benefits aim at meeting the basic needs of any human being, such as food, health care and education. The introduction of the Pension Plan intends to support and motivate the employees to plan their retirement.

In line with Legal prostitution Fukumitsu belief, BIM has been improving its initiatives in the following areas:. Combining its activities with the formal adoption of requirements that foster awareness of the need to act responsibly toward the environment and society is also a way to better manage credit and image risks, thus ensuring lasting relationships.

The participation of all departments is fundamental for the system to be operative. However, the following areas play distinct roles: the commercial department, which gathers information from Legal prostitution Fukumitsu and prospects; the credit department, which checks the Internet and government and non-governmental organizations to complete borrower risk assessment; and, the Compliance department, which is responsible for enforcing that policy.

Following its principles, BIM does not grant loans to companies that use child or. Of Internal Stakeholders Besides continuously investing in employee training and undertaking initiatives to foster awareness and motivation toward social Legal prostitution Fukumitsu environmental issues, Banco Indusval Multistock has taken measures to promote inclusion and create opportunities under the Apprentice, Intern, Trainee and Professional Training for People with Disabilities programs. The economic and financial performance has to be followed by social development and environmental care.

Of Communities Banco Indusval Multistock invests in education, culture and basic development to promote the development of communities. Emphasis is given to education of children, youth and adults by supporting organizations that prepare them for full-fledged citizenship and provide them with the tools they need to Legal prostitution Fukumitsu their social-economic status.

With this in mind, Legal prostitution Fukumitsu sought tools and partnerships to consolidate this concept by means of the Indusval Multistock Sustainability Institute in Education — student counseling, reading skills and education improvement for children and youth.

Legal prostitution Fukumitsu beneficiaries totaled 23, people in Legal prostitution Fukumitsu communities connected to those projects.

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Duringinvestments in expanding and improving the facilities of the supported organizations allowed the expansion in the number of people attended.

The higher number of beneficiaries also allowed expanding educators training courses, thus improving the number of beneficiaries and the quality of the support given by the projects. Duringthere were several activities to prepare for Legal prostitution Fukumitsu, such as:. Mapping volunteering activities Legal prostitution Fukumitsu opportunities in the communities served to design a Corporate Volunteering Program that can better meet their needs.

Searching for projects, communities and initiatives that can be develop in Legal prostitution Fukumitsu locations in the country. Those are but some of the steps that Banco Indusval Multistock has taken in the last few years, driven by the belief that economic and financial performance must be accompanied by social development and environmental preservation to ensure business perpetuity.

Concerning the freedom to join trade unions and right to collective bargaining and employee representation, the company:.

W e have audited the accompanying Legal prostitution Fukumitsu sheets of Banco Indusval S. Indusval Multistock and the consolidated balance sheets of Banco Indusval S. Indusval Multistock for the years then ended Legal prostitution Fukumitsu for the second six-month period ofas well as the consolidated statements of income, of cash flows and of added value for the years then ended.

Our responsibility is to express an opinion on these financial statements. W e conducted our audits in accordance with approved Brazilian auditing standards, which require that we perform the audit to obtain reasonable assurance about whether the financial statements are fairly presented in all material respects. Accordingly, our work included, among other procedures: a planning our audit taking into consideration the significance of balances, the volume of transactions and the accounting and internal control systems of the Bank, b examining, on a test basis, evidence and records supporting the amounts and disclosures in the financial statements, and c assessing the accounting practices used and significant estimates made by management, as well as evaluating the Legal prostitution Fukumitsu financial statement presentation.

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In our opinion, the financial statements audited by us present fairly, in all material respects, the financial position of Banco Indusval S. Indusval Multistock and of Banco Indusval S. Legal prostitution Fukumitsu Multistock for the years then ended and for the second six-month period ofwell as the consolidated results Legal prostitution Fukumitsu operations, the cash flows and the consolidated statement of added values for the years Legal prostitution Fukumitsu ended, in accordance with the accounting practices adopted in Brazil.

Marketable securities and derivative financial instruments Note 5 Own portfolio Subject to repurchase agreements Linked to guarantees Derivative financial instruments. Other receivables Foreign exchange portfolio Note 7 Income receivable Negotiation and intermediation of securities Sundry Note 8 Allowance for loan losses Note 6. Marketable securities and derivative financial instruments Note 5 Linked to guarantees Derivative financial instruments. He also reported the presence of 19 Japanese prostitutes Legal prostitution Fukumitsu the city, many of whom had moved from Seattle and entered prostitution as wives of gamblers.

An old-timer gave a vivid picture of early Japanese life in Portland. In the Japanese section of town, he worked as a dish washer in a Japanese restaurant from five in the morning until after midnight. Serving a meal for a dime, the restaurant catered to the Issei laborers who patronized neighboring gambling houses and brothels. He observed that Japanese gamblers liked to play cards, roulette, and hanafuda [Japanese card Legal prostitution Fukumitsu.

Some people gambled away thousands of dollars, while others won as much in a matter of a night. Starting fromReverend Sadakichi Kawabe, who established the Portland Japanese Methodist Church, launched a campaign to reform public morals Legal prostitution Fukumitsu Japanese residents.

Community leaders such as Shintaro Takaki and Shinzaburo Ban gave their support to the campaign.

Portland, Oregon, Shozui Wakabayashi, who came to Portland in as the first resident Buddhist minister, also contributed to the welfare of the early Japanese community. He found work for the young men and offered other services they needed. Bythe Oregon Buddhist Church expanded from two rented rooms to a newly constructed building, and parishioners numbered approximately Oregon Buddhist Church at N.

Matsumoto — Japanese American National Museum [ Created by the museum in partnership with the Oregon Historical Society and the Japanese American community in Oregon, the exhibition tells of the early struggles and triumphs of the Japanese pioneers of Oregon from to Unfortunately, since the exhibition happened Legal prostitution Fukumitsu the rise of common internet usage, online documentation of it is scant, as is online Legal prostitution Fukumitsu about Issei history in general.

Discover Nikkei is pleased, therefore, to reprint the entirety of the catalog essay from the exhibition, along with its accompanying photographs. Join the Discover Nikkei global community, where Legal prostitution Fukumitsu Nima connect and share! Our Nima-kai Legal prostitution Fukumitsu includes people around the world interested in learning about and sharing the Legal prostitution Fukumitsu experience.

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Working as a hop picker It is impossible to Return to Japan Honda Fugetsu 1 Beforethe majority of the Oregon Japanese population were male laborers who lived in a crude environment. Ina Japanese student described the tragic life of his fellow immigrants in these words: Everywhere in the nation, the recession hit hard….

Autor Eiichiro Azuma. Cerrar Crear cuenta nueva. Colaborar con el proyecto Discover Nikkei es un espacio para conectarse con otros y compartir experiencias nikkei. Manera de colaborar ». Proyecto Principal patrocinador. Katsuyuki Legal prostitution Fukumitsu.

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