-
Accident Year
The annual calendar accounting period in which loss events occurred, regardless of when the losses are actually reported, booked or paid.
Insurance Term
Letter: A
-
Accumulation Distribution Line
Accumulation/Distribution Line assess the cumulative flow of money into and out of a security. The signals for the Accumulation/Distribution Line are fairly straightforward and center around the concepts of divergence and confirmation. A bullish signal is given when the Accumulation/Distribution Line forms a positive divergence. A bearish signal is given when the Accumulation/Distribution Line for
Technical Indicator
Letter: A
-
Acquired Fund Fees and Expenses
fees and expenses charged by other investment companies in which the Fund invests a portion of its assets.
Financial Term
Letter: A
-
Acquisition
A business acquisition. The acquiring company records at its cost the acquired assets less liabilities assumed. The reported income of an acquiring company includes the operations of the acquired company from the date of acquisition.
Financial Term
Letter: A
-
Acquisition Proposal
means any merger, amalgamation, take-over bid, tender offer, arrangement, recapitalization, liquidation, dissolution, share exchange, material sale of assets (or any lease, long term supply agreement or other arrangement having the same economic effect as a material sale of assets) representing greater than 20% of the fair market value of the Arrangement, any sale of more than 20% of any class of
Financial Term
Letter: A
-
Adenocarcinoma
A cancer that originates in glandular tissue.
Health Care Term
Letter: A
-
Adenosine
a biological compound found in every cell of the human body; released from cells when oxygen supply does not meet oxygen demand. Extracellular adenosine protects tissues from injury caused by oxygen deprivation
Health Care Term
Letter: A
-
Adjusted Average Cardmember Loans
Represents average cardmember loans on an owned or managed basis, as applicable, excluding the impact of deferred card fees, net of deferred direct acquisition costs of cardmember loans on an owned or managed basis, as applicable.
Financial Term
Letter: A
-
Admitted Insurer
A company licensed to transact insurance business within a state.
Insurance Term
Letter: A
-
ADR American Depositary Receipt
represents ownership in the shares of a non-U.S. company that trades in U.S. financial markets. ADRs enable U.S. investors to buy shares in foreign companies without the inconveniences of cross-border & cross-currency transactions. ADRs carry prices in US dollars, pay dividends in US dollars, and can be traded like the shares of US-based companies.
Financial Term
Letter: A
-
ADR Average Daily Rate
Represents the average rate charged for renting a lodging room for one day.
Hotel & Leisure Term
Letter: A
-
ADS American Depositary Share
represents ownership in the shares of a non-U.S. company that trades in U.S. financial markets. American Depositary Share representing one underlying Ordinary Share. ADS enable U.S. investors to buy shares in foreign companies without the inconveniences of cross-border & cross-currency transactions. ADS carry prices in US dollars, pay dividends in US dollars, and can be traded like the shares of U
Financial Term
Letter: A
-
Adult Stem Cell
A cell present in adults that can generate a limited range of cell types as well as renew itself.
Health Care Term
Letter: A
-
Advance monthly sales
The U.S. Census Bureau conducts the Advance Monthly Retail Trade and Food Services Survey (MARTS) to provide an early estimate of monthly sales by kind of business for retail and food service firms located in the United States. Each month, questionnaires are mailed to a probability sample of approximately 5,000 employer firms selected from the larger Monthly Retail Trade Survey (MRTS). Firms respo
Economy Term
Letter: A
-
Adverse Event
Any adverse change in health or "side-effect" that occurs in a person participating in a clinical trial, from the time they consent to joining the trial until a pre-specified period of time after their treatment has been completed.
Health Care Term
Letter: A
-
Advised Lines of Credit
An authorization which specifies the maximum amount of a credit facility the Firm has made available to an obligor on a revolving but non-binding basis. The borrower receives written or oral advice of this facility. The Firm may cancel this facility at any time.
Financial Term
Letter: A
-
Affiliate
means with respect to any entity, an entity that is controlled by a other company although the other company owns less than a majority of the other entity.
Economy Term
Letter: A
-
Agents and Brokers
Persons or organizations that act as a representative for others in negotiating contracts, purchases, or sales. Agents and brokers typically earn a commission or fee for their services and do not take possession of, or title to, any goods.
Economy Term
Letter: A
-
Aggregates
Crushed stone, one of the most accessible natural resources, is a major basic raw material used by construction, agriculture, and other industries that utilize complex chemical and metallurgical processes. Construction sand and gravel, one of the most accessible natural resources and a major basic raw material, is used mostly by the construction industry. Construction - Raw Materials Industry Oper
Manufacturing Term
Letter: A
-
Agitation Leach Plant
A processing plant that recovers copper and other metals by passing a slurry of finely ground ores mixed with acidic solutions through a series of continuously stirred tanks. Metal Mining Industry Operating Statistics
Manufacturing Term
Letter: A
-
Agonist
A drug that has affinity for and stimulates physiologic activity at cell receptors normally stimulated by naturally occurring substances, thus triggering a biochemical response.
Health Care Term
Letter: A
-
AICPA
American Institute of Certified Public Accountants
Financial Term
Letter: A
-
AIDS
Acquired Immunodeficiency Syndrome. AIDS is caused by the Human Immunodeficiency Virus, HIV.
Health Care Term
Letter: A
-
Alkylation Agent
A compound that interferes with the cells DNA and inhibits cancer cell growth.
Health Care Term
Letter: A
-
Allogeneic
Originating from someone other than the patient receiving treatment.
Health Care Term
Letter: A
-
Allowance For Credit Losses
includes the allowance for loan and lease losses and the reserve for unfunded lending commitments, represents managements estimate of probable losses inherent in the Corporations lending activities. The allowance for loan and lease losses and the reserve for unfunded lending commitments exclude amounts for loans and unfunded lending commitments accounted for under the fair value option as the fair
Financial Term
Letter: A
-
Allowance For Loan and Lease Losses
The allowance for loan and lease losses represents the estimated probable credit losses in funded consumer and commercial loans and leases while the reserve for unfunded lending commitments, including standby letters of credit (SBLCs) and binding unfunded loan commitments, represents estimated probable credit losses on these unfunded credit instruments based on utilization assumptions. Credit expo
Financial Term
Letter: A
-
Alloy
A compound of two or more metals. Operating Statistics
Manufacturing Term
Letter: A
-
Alt-A Mortgage Loans
Alt-A loans are generally higher in credit quality than subprime loans but have characteristics that would disqualify the borrower from a traditional prime loan. Alt-A lending characteristics may include one or more of the following: (I) limited documentation; (II) high combined-loan-to-value ("CLTV") ratio; (III) loans secured by non-owner occupied properties; or (IV) debt-to-income ratio above n
Financial Term
Letter: A
-
Alumina
The calcined product from an alumina refinery containing at least 98% aluminum oxide. Operating Statistics
Manufacturing Term
Letter: A
-
Aluminum
A light, malleable metal that is a good conductor of electricity. Operating Statistics
Manufacturing Term
Letter: A
-
Amino Acid
A class of organic molecules that contains an amino group and can combine in linear arrays to form proteins in living organisms. There are 20 common amino acids: aline, arginine, aspargine, aspartic acid, cysteine, glutamic acid, glutamine, glycine histide, isoleucine, leucine, lysine, methionine, phenylalanine, proline, serine, threonine, tryptophan, tyrosine and valine. They are key components i
Health Care Term
Letter: A
-
Ammonia
Ammonia is a direct application fertilizer and is primarily used as a building block for other nitrogen products for industrial applications and finished fertilizer products.
Energy Term
Letter: A
-
Amortization
A charge against the companys earnings that represents the write off of intangible assets over the projected life of the assets. Cash Flow
Financial Term
Letter: A
-
Analgesic
Agent that relieves pain without causing loss of consciousness.
Health Care Term
Letter: A
-
Analogues
Similar but slightly different in structure and origin or differs slightly in chemical composition.
Health Care Term
Letter: A
-
Ancillary Revenue per Booked Passenger
Represents the average revenue earned per booked passenger flown from ancillary services. Airline Industry
Transportation Term
Letter: A
-
ANDA Abbreviated New Drug Application
means an abbreviated new drug application, which is a marketing approval application for a generic drug submitted to the FDA.
Health Care Term
Letter: A
-
Angina
means chest pain.
Health Care Term
Letter: A
-
Angiogenesis
is a physiological process involving the growth of new blood vessels from pre-existing vessels.
Health Care Term
Letter: A
-
Angioplasty
the surgical repair of a blood vessel.
Health Care Term
Letter: A
-
Annuity
A contract that pays a periodic benefit over the remaining life of a person (the annuitant), the lives of two or more persons or for a specified period of time.
Insurance Term
Letter: A
-
Anode
A positively charged metal sheet, usually lead, on which oxidation occurs. During the electro-refining process, the anodes are impure copper sheets from the smelting process that require further processing to produce refined copper cathodes.
Manufacturing Term
Letter: A
-
Anode Furnace
A furnace in which blister copper is refined into anode copper.
Manufacturing Term
Letter: A
-
Anode Slime
A deposit of insoluble residue formed from the dissolution of the anode in commercial electrolysis. In copper refining, this slime contains the precious metals that are recovered from it.
Manufacturing Term
Letter: A
-
Antagonist
A substance that tends to nullify the action of another, as a drug that binds to a cell receptor without eliciting a biological response.
Health Care Term
Letter: A
-
Anti Hypertensive
Antihypertensive means blood pressure reducing. Antihypertensive therapy, prescription of antihypertensives drugs, is treatment to prevent stroke and other complications caused by the high blood pressure.
Health Care Term
Letter: A
-
Anti-Oxidants
A chemical compound that inhibits oxygen?s corrosive effects on metal in a system.
Manufacturing Term
Letter: A
-
Antibody
A protein which is a natural part of the human immune system produced by specialized cells to neutralize antigens, including viruses and bacteria that invade the body. Each antibody producing cell manufactures a unique antibody that is directed against, binds to and eliminates one, and only one, specific type of antigen.
Health Care Term
Letter: A
-
Antigen
Any substance which, upon entering the body, stimulates the immune system leading to the formation of antibodies. Among the more common antigens are bacteria, pollens, toxins, and viruses.
Health Care Term
Letter: A
-
API
Active Pharmaceutical Ingredient.
Health Care Term
Letter: A
-
Arbitrage
Matching positions to secure a profit by exploiting price difference on the same good sold in different markets.
Financial Term
Letter: A
-
ARPU
Average revenue per user
Economy Term
Letter: A
-
Arrhythmia
means irregular heart rhythm.
Health Care Term
Letter: A
-
Arteriosclerosis
Diseases characterized by thickening and loss of elasticity of the arterial walls.
Health Care Term
Letter: A
-
Asbestos
is a generic name given to six fibrous minerals that have been used in commercial products. The six types of asbestos are chrysotile, crocidolite, amosite, anthophyllite asbestos, tremolite asbestos, and actinolite asbestos. Several properties that make asbestos so versatile and cost effective are high tensile strength, chemical and thermal stability, high flexibility, low electrical conductivity,
Manufacturing Term
Letter: A
-
Asphaltene
A tar-like component of petroleum that can foul oilfield equipment and pipelines, reducing flow and productivity.
Energy Term
Letter: A
-
Asset Allocation
The practice of dividing a portfolio among different asset classes, Stocks, bonds and cash, with each asset class assigned a particular percentage. Asset allocation is often used to minimize investment risk to the certain asset class. For example the decline in Stocks can be offset by the gain in Bonds. Investment Services Industry
Financial Term
Letter: A
-
Asset Class
A group of securities with similar structure and basic characteristics. Stocks, bonds and cash are the three main examples of asset classes. Investment Services Industry
Financial Term
Letter: A
-
Asset Securitizations
Asset securitization involves the transfer and sale of receivables or loans to a special purpose entity created for the securitization activity, typically a trust. The trust, in turn, issues securities, commonly referred to as asset-backed securities that are secured by the transferred receivables or loans. The trust uses the proceeds from the sale of such securities to pay the purchase price for
Financial Term
Letter: A
-
Asset Turnover Ratio
A financial strength ratio that measures proportion of companys sales to companys total assets. Asset Turnover Ratio displays how many dollars company generates in sales for one dollar of total assets. High number indicates that company operates efficiently (Company is able to generate sales with less capital involved). Lower number indicates capital intensive Business, company needs to invest mor
Fundamental Analysis
Letter: A
-
Assets Under Management AUM
Represent assets actively managed by Asset Management on behalf of Institutional, Retail, Private Banking, Private Wealth Management. Includes Committed Capital not Called, with different asset classes, Stocks, bonds and cash, on which Bank earns fees. Investment Services Industry
Financial Term
Letter: A
-
Assets Under Supervision
Represent assets under management as well as custody, brokerage, administration and deposit accounts. Investment Services Industry
Financial Term
Letter: A
-
Assigned Risk Pools
Reinsurance pools which cover risks for those unable to purchase insurance in the voluntary market. Possible reasons for this inability include the risk being too great or the profit being too small under the required insurance rate structure. The costs of the risks associated with these pools are charged back to insurance carriers in proportion to their direct writings.
Insurance Term
Letter: A
-
Assignment Mortgage
A duly executed assignment to Buyer in recordable form of a Purchased Mortgage Loan, of the indebtedness secured thereby and of all documents and rights related to such Purchased Mortgage Loan.
Financial Term
Letter: A
-
Assumed Reinsurance
Insurance risks acquired from a ceding company.
Insurance Term
Letter: A
-
Atherosclerosis
Atherosclerosis, which is one of several types of arteriosclerosis, is a condition in which fatty material is deposited along the walls of arteries. This fatty material thickens, hardens and may eventually block the arteries.
Health Care Term
Letter: A
-
Auction Rate Bond
An auction rate bond is a security whose interest payments are adjusted periodically through an auction process, which process typically also serves as a means for buying and selling the bond. Auctions that fail to attract enough buyers for all the shares offered for sale are deemed to have "failed", with current holders receiving a formula-based interest rate until the next scheduled auction.
Financial Term
Letter: A
-
Autologous
Originating from the patient receiving treatment.
Health Care Term
Letter: A
-
Available Lower Berth Day ALBDs
ALBDs is a standard measure of passenger capacity for the period, which company uses to perform rate and capacity variance analyses to determine the main non-capacity driven factors that causes their cruise revenues and expenses to vary. ALBDs assume that each cabin company offers for sale accommodates two passengers and is computed by multiplying passenger capacity by revenue-producing ship opera
Hotel & Leisure
Letter: A
-
Available Seat Mile ASM
ASM Available Seat Mile. A measure of capacity. ASMs equal the total number of seats available for transporting passengers during a reporting period multiplied by the total number of miles flown during that period. Airline Industry
Transportation Term
Letter: A
-
Average Annual Total Return
This is a commonly used method to express an investments performance over a particular, usually multi-year time period. It expresses the return that would have been necessary each year to equal the investments actual cumulative performance (including change in NAV or market price and reinvested dividends and capital gains distributions, if any) over the time period being considered.
Financial Term
Letter: A
-
Average Booked Passenger Fare
Represents the average fare paid by a scheduled fare-paying passenger who has booked a ticket. Airline Industry
Transportation Term
Letter: A
-
Average Cardmember Spending
Represents average dollar amount of (charge or credit card) cardmember spending per Card in certain period (quarter or a year).
Financial Term
Letter: A
-
Average Commission per Trade
Total trading commissions revenue divided by total number of trades.
Financial Term
Letter: A
-
Average Daily Flight Hour Utilization
Represents the average number of flight hours flown in scheduled service per day per aircraft for the total fleet of operated aircraft. Airline Industry
Transportation Term
Letter: A
-
Average Directional Index ADX
Average Directional Index ADX is used to determine a trends strength regardless of whether it is up or down. ADX is derived from the relationship of the DMI (Directional Movement Indicators) lines.
Technical Indicator
Letter: A
-
Average Discount Rate
This calculation is designed to approximate merchant pricing. It represents the percentage of billed business (both proprietary and GNS) retained by the Company from merchants it acquires, prior to payments to third parties unrelated to merchant acceptance.
Financial Term
Letter: A
-
Average Effective Maturity
The average of the number of years to maturity of the bonds in a Funds portfolio, computed by weighting each bonds time to maturity (the date the security comes due) by the market value of the security. This figure does not account for the likelihood of prepayments or the exercise of call provisions unless an escrow account has been established to redeem the bond before maturity. The market value
Financial Term
Letter: A
-
Average Fuel Cost Per U.S. Gallon
Average Fuel Cost Per U.S. Gallon
Transportation Term
Letter: A
-
Average Length of Passenger Haul
Represents the average number of miles traveled by a scheduled fare-paying passenger. Airline Industry
Transportation Term
Letter: A
-
Average Occupancy Rate
Represents the percentage of available rooms occupied during the period.
Hotel & Leisure Term
Letter: A
-
Average Price per Vacation Rental
Represents the net rental price generated from renting vacation properties to customers divided by the number of rental transactions.
Hotel & Leisure Term
Letter: A
-
Average Train Speed
The average speed attained as a train travels between terminals, calculated by dividing the total train miles traveled by the total hours operated. This calculation does not include the travel time or the distance traveled by: I) trains used in or around CPs yards; II) passenger trains; and III) trains used for repairing track. The calculation also does not include the time trains spend waiting in
Transportation Term
Letter: A
-
Average True Range ATR
The Average True Range (ATR), identifies periods of high and low volatility in the market. High volatility indicates a market with large price fluctuations, whereas low volatility signals a market that is in a trading range, with small price movements. Moreover, markets with high price fluctuation have a higher risk-to-reward ratio, as prices tend to rise and fall in a short period of time.
Technical Indicator
Letter: A
-
Average Value Analysis
An actuarial method used to estimate ultimate losses for a given cohort of claims such as an accident year/product line component. If the paid-to-date losses are then subtracted from the estimated ultimate losses, the result is an indication of the unpaid losses. The basic premise of the method is that average claim values are stable and predictable over time for a particular cohort of claims. The
Insurance Term
Letter: A
-
Avg. Revenue per Carload
The amount of freight revenue earned for every carload moved, calculated by dividing the freight revenue for a commodity by the number of carloads of the commodity transported in the period. Railroads Industry
Transportation Term
Letter: A