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Bank of America has reported a $2bn (�1.2bn) profit for the three months to the end of 2011, compared with a $1.2bn loss in the same period in 2010.
It signals continued recovery for the US' second biggest lender.
For the full year, the company reported net profits of $1.4bn compared with a net loss of $2.2bn in 2010.
Meanwhile Morgan Stanley, the world's largest broker, reported a fourth-quarter loss of $250m compared with a profit of $836m a year earlier.
Despite the loss, the results at Morgan Stanley beat analysts' expectations since it was able to increase its share of the equity trading market in the period.
For the full year, Morgan Stanley said its net revenues were $32.4bn compared with $31.4bn in 2010.
Recent results from American banks have been mixed with Goldman Sachs announcing on Wednesday that it made 47% less in profits than in 2010 whilst Citigroup posted a 6% rise on the previous year.
Bank of America chief executive Brian Moynihan said: "We enter 2012 stronger and more efficient after two years of simplifying and streamlining our company."
"Reflecting a gradually improving economy," continued Mr Moynihan, "we saw solid business activity by companies of all sizes, with commercial and industrial loan balances rising."
Bank of America was one of the worst performers on Dow Jones Industrial Average index of leading companies in 2011, losing 58% of its share value over the year.
The lender has been hit by lingering concerns about bad mortgage loans on its books in the wake of the 2008 sub-prime crisis when it was bailed out by the US government.
The bank has been building up its reserves, known as Tier 1 capital, to protect itself against the risk of further bad loans.
"Our fourth-quarter results reflect the aggressive steps we have been taking to strengthen the balance sheet and position the company for long-term growth," said chief financial officer Bruce Thompson in a statement.
"During the quarter, we significantly increased capital and liquidity. For 2012, our focus is to continue to build capital and liquidity and manage expenses."
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A List Of Tips To Obtain Your Fiscal Existence Under Control
A Long List Of Suggestions To Get The Financial Daily life In Check
One of many hardest things for teens to deal with when they strike out by themselves for the first time, is the handling of the individual funds. It could assist if managing financial was trained to young children around grammar university, however it isn't. If you're baffled concerning how to take care of your own personal budget,Vernon Davis Jersey, there are a variety of recommendations in the following paragraphs which can help.
Reduce your consumption of alcohol to save cash. Frugality is not about using the fun away from lifestyle, but a few beers each day provides up to many cash monthly. Scale back to consuming at infrequent societal engagements, and every now and then with buddies to enhance your bank account and get a lean body concurrently.
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Dog Training Made Simple - For Both You And Your Pooch
Dog Training Made Simple - For You And Your Pooch!
Have you been tired of usually being forced to fasten increase your canine when friends can come above? Do you possess problems leaving behind your puppy alone,Ray Lewis Jersey, for a brief run to the food store? Well, there are actually stuff that you can do to assist obtain the obedient puppy that you may have always aspired to have. The following advice will allow you to at the same time of education your dog.
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When your pet is working through bothersome behavior, be mindful about that you send him for getting on or daycare. Numerous boarding and daycare establishments usually do not follow-through on personal dog's education courses, so make certain you place your pet dog somewhere exactly where he will receive the eye he demands. Animal-sitters frequently supply specific care that supports habits,ray lewis super bowl jersey. Ask what ever service or sitter you're thinking about about how they handle an issue such as your dog's.
When instructing your puppy the best way to go walking on a leash, carry your ground if he efforts to move you. Plant your toes and you should not budge till the dog halts yanking. Your puppy will know that he receives nowhere by pulling. When you can actually get him just to walk alongside you, reinforce the habit of smoking with goodies.
In case your puppy urinates from exhilaration on your approaching house or reaching new people, limit love till the pooch relaxes down. This will decrease the enjoyment she can feel and quit inappropriate peeing just before it starts. If she does use the bathroom, clean it up silently before you take her out. Tend not to stop the go walking until finally she does some enterprise outside the house, and compliment exceedingly. Stick to this, and she will find out that new individuals are not this type of big problem, all things considered.
When your dog will not respond effectively to you during education you must not get angry at her or him. You happen to be educator and he or she is a student, so should they be not responding well for you it might be because you will not be this sort of great educator.
Always employ the identical terms when providing instructions to your dog. Using distinct phrasing for fundamental commands can mix up your pet dog. Stating "Appear" right now and declaring "Come right here" the following, from the dog's brain, is much like educating two various orders, however, the behaviour is anticipated to become exactly the same. Keep it simple and maintain it consistent.
As was stated in this article, it is actually achievable to have a wonderful puppy you could be very proud of. You need to simply know the right tactics, in order to do that. Do not waste any more time and start with adding these sound advice to use. You simply will not identify your pet if you are completed.Related Post：
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