...The author expressed his belief that investments associated with IT aren't bringing strategic benefits to the enterprise in it, because in the moment, when one company is adopting new technologies, for her competitors are making it exactly alone. The above article made Carr of the enemy of outfitters, the software and persons working for the IT industry from Nicholasa. the Spectrum of opponents of the columnist is very wide. In many issues such giants disagree with it as the Microsoft, the Intel, HP in particular CIO and IT specialists. From it has always been obvious that, at least theoretically, the computing power similarly, as the electric energy could be delivered via a network. In this way the "central generator" would be able to act much more productively and flexibly, than dispersed, private data centers. " - Carr states. The author shows a lot of reasons for changes which are supposed to come. A fact that it is possible to treat computers, data warehouses, the network and the majority of used applications as goods largely is one of them ustandaryzowany. Hereinafter Carr is adding that even with reference to IT specialists it is hard to talk about their uniqueness. The majority performs the legwork utrzymaniowe - exactly the same, like of them odpowiednicy in competitive companies. The columnist is emphasizing that at present the majority of data centers is using only from 25 sources up to the 50% had. In the same time he is consuming the gigantic amount of the electric...
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...At the roots of globalization there are a lot of mechanisms conected with economies of scale. The higher border of demand and bigger problems with knowledge and capital using in high developed countries went far towards some solutions for easier entries to different markets. That is why countries deleted administrative and economic borders limiting competition. Free flow of information, ideas through the world, caused that some values, lifestyles, consumption models are common for some nations. That is why customers needs are higher and higher and similar (unified) – califionisation of needs. It means that consumers have a lot of information about level and style of life in the richest countries, they want the same in their mother country. That is why we have some global products for every customer (coca cola, pampers, cars). General results of globalization 1. New division of the world; - information revolution and very fast technical development, create new opportunities for developing countries, economies, companies, and people. But not every country is able to use these opportunities on the same level. It depends on the level of social-economic country’s development. It is called Triad Power: bigger technological, economic, social and cultural integration is present among three most developed regions of the world: North America, west of Europe, east and south-east Asia.- it is a center of the world. (highly educated people, good organization of their work, capital) ...
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...BMO Financial Group 198th Annual Report 2015 There are many ways to talk about what lies ahead: Change. Disruption. Opportunity. Growth. We’ve gotten closer to our customers. Made banking simpler. Unified our businesses. Expanded our footprint. Invested in new platforms. Embraced a better rulebook. And through it all, delivered consistently strong results. Business Review Financial Review 2 4 10 11 16 17 18 20 21 23 24 26 118 132 Financial Snapshot/Who We Are Year in Review Chairman’s Message CEO’s Message Executive Committee Our Strategic Footprint Reasons to Invest in BMO Corporate Governance Board of Directors CFO’s Foreword to the Financial Review Financial Performance and Condition at a Glance Management’s Discussion and Analysis Supplemental Information Statement of Management’s Responsibility for Financial Information 133 Independent Auditors’ Report of Registered Public Accounting Firm 134 Report of Independent Registered Public Accounting Firm 135 Consolidated Financial Statements 140 Notes to Consolidated Financial Statements Resources and Directories 202 Glossary of Financial Terms 204 Where to Find More Information IBC Shareholder Information now it gets interesting Financial Snapshot Reported 1 Adjusted 1,2 As at or for the year ended October 31 2015 2014 2015 2014 19,389 18,223 19,391 18,223 liabilities3 (CCPB) (p 41) 1 1,254 1,505 1,254 1...
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