IVV vs. NZUS ETF Comparison

Comparison of iShares Core S&P 500 ETF (IVV) to SPDR MSCI USA Climate Paris Aligned ETF (NZUS)

IVV

iShares Core S&P 500 ETF

IVV Description

The investment seeks to track the investment results of an index composed of large-capitalization U.S. equities. The fund generally invests at least 90% of its assets in securities of the underlying index and in depositary receipts representing securities of the underlying index. It seeks to track the investment results of the S&P 500® (the "underlying index"), which measures the performance of the large-capitalization sector of the U.S. equity market.

Grade (RS Rating)

Last Trade

$598.45

Average Daily Volume

4,277,239

Number of Holdings ^*

502

* may have additional holdings in another (foreign) market

NZUS

SPDR MSCI USA Climate Paris Aligned ETF

NZUS Description

SPDR Series Trust - SPDR MSCI USA Climate Paris Aligned ETF is an exchange traded fund launched by State Street Global Advisors, Inc. The fund is managed by SSGA Funds Management, Inc. It invests in public equity markets of the United States. The fund invests in stocks of companies operating across diversified sectors. It invests in growth and value stocks of companies across diversified market capitalization. The fund invests in stocks of companies that are deemed socially conscious in their business dealings and directly promote environmental responsibility. It seeks to track the performance of the MSCI USA Climate Paris Aligned Index, by using representative sampling technique. It does not invest in stocks of companies operating across cluster bombs, landmines, depleted uranium, chemical or biological weapons, blinding laser weapons, non-detectable fragments or incendiary weapons, tobacco, mining of thermal coal, oil and gas related activities, including distribution / retail, equipment and services, extraction and production, petrochemicals, pipelines and transportation and refining, thermal coal based, liquid fuel based and natural gas based power generation sectors. SPDR Series Trust - SPDR MSCI USA Climate Paris Aligned ETF is domiciled in the United States.

Grade (RS Rating)

Last Trade

$33.49

Average Daily Volume

283

Number of Holdings ^*

249

* may have additional holdings in another (foreign) market

Performance

Period	IVV	NZUS
30 Days	3.04%	3.03%
60 Days	4.56%	3.65%
90 Days	6.29%	5.64%
12 Months	32.78%	31.78%

215 Overlapping Holdings

	Symbol	Grade	Weight in IVV	Weight in NZUS	Overlap
	A	D	0.07%	0.09%	0.07%
	AAPL	C	6.88%	6.92%	6.88%
	ABBV	D	0.59%	0.56%	0.56%
	ABNB	C	0.12%	0.19%	0.12%
	ACGL	D	0.08%	0.24%	0.08%
	ACN	C	0.45%	0.62%	0.45%
	ADBE	C	0.45%	0.57%	0.45%
	ADI	D	0.21%	0.61%	0.21%
	ADP	B	0.24%	0.09%	0.09%
	ADSK	A	0.13%	0.27%	0.13%
	AFL	B	0.11%	0.57%	0.11%
	AJG	B	0.13%	0.1%	0.1%
	ALGN	D	0.03%	0.03%	0.03%
	ALL	A	0.1%	0.14%	0.1%
	ALLE	D	0.02%	0.24%	0.02%
	AMD	F	0.44%	0.56%	0.44%
	AME	A	0.09%	0.55%	0.09%
	AMGN	D	0.31%	0.26%	0.26%
	AMP	A	0.11%	0.04%	0.04%
	AMT	D	0.18%	0.25%	0.18%
	AMZN	C	3.81%	3.6%	3.6%
	ANET	C	0.19%	0.07%	0.07%
	ANSS	B	0.06%	0.06%	0.06%
	AON	A	0.17%	0.19%	0.17%
	AOS	F	0.02%	0.05%	0.02%
	APH	A	0.17%	0.19%	0.17%
	ARE	D	0.03%	0.44%	0.03%
	AVB	B	0.07%	0.46%	0.07%
	AVGO	D	1.54%	1.63%	1.54%
	AWK	D	0.05%	0.55%	0.05%
	AXON	A	0.09%	0.16%	0.09%
	AXP	A	0.32%	0.39%	0.32%
	BAC	A	0.63%	0.01%	0.01%
	BAX	D	0.03%	0.01%	0.01%
	BDX	F	0.13%	0.09%	0.09%
	BIIB	F	0.05%	0.05%	0.05%
	BK	A	0.12%	0.22%	0.12%
	BLK	C	0.29%	0.12%	0.12%
	BMY	B	0.23%	0.36%	0.23%
	BRO	B	0.05%	0.21%	0.05%
	BSX	B	0.26%	0.29%	0.26%
	BX	A	0.26%	0.24%	0.24%
	BXP	D	0.02%	0.45%	0.02%
	CB	C	0.22%	0.39%	0.22%
	CBOE	B	0.04%	0.11%	0.04%
	CHD	B	0.05%	0.21%	0.05%
	CHTR	C	0.08%	0.13%	0.08%
	CINF	A	0.05%	0.14%	0.05%
	CMCSA	B	0.33%	0.23%	0.23%
	CME	A	0.16%	0.31%	0.16%
	CMG	B	0.16%	0.16%	0.16%
	CPRT	A	0.1%	0.17%	0.1%
	CRM	B	0.63%	0.83%	0.63%
	CSCO	B	0.47%	0.84%	0.47%
	CSGP	D	0.06%	0.09%	0.06%
	CSX	B	0.14%	0.01%	0.01%
	CTAS	B	0.15%	0.2%	0.15%
	CTLT	B	0.02%	0.04%	0.02%
	DFS	B	0.09%	0.08%	0.08%
	DGX	A	0.04%	0.03%	0.03%
	DHR	F	0.3%	0.5%	0.3%
	DIS	B	0.42%	0.45%	0.42%
	DLR	B	0.11%	1.76%	0.11%
	DOC	D	0.03%	0.44%	0.03%
	DXCM	D	0.06%	0.08%	0.06%
	EBAY	D	0.06%	0.18%	0.06%
	ECL	D	0.12%	0.15%	0.12%
	EFX	F	0.06%	0.09%	0.06%
	EIX	B	0.06%	1.25%	0.06%
	EL	F	0.03%	0.03%	0.03%
	ELV	F	0.19%	0.21%	0.19%
	ENPH	F	0.02%	0.22%	0.02%
	EPAM	C	0.03%	0.01%	0.01%
	EQIX	A	0.17%	0.9%	0.17%
	EQR	B	0.05%	0.1%	0.05%
	ERIE	D	0.02%	0.09%	0.02%
	ESS	B	0.04%	0.45%	0.04%
	ETN	A	0.29%	0.11%	0.11%
	EW	C	0.08%	0.19%	0.08%
	EXR	D	0.07%	0.06%	0.06%
	FAST	B	0.09%	0.24%	0.09%
	FDS	B	0.04%	0.11%	0.04%
	FFIV	B	0.03%	0.16%	0.03%
	FI	A	0.24%	0.1%	0.1%
	FOX	A	0.01%	0.03%	0.01%
	FOXA	B	0.02%	0.04%	0.02%
	FSLR	F	0.04%	0.64%	0.04%
	FTNT	C	0.12%	0.12%	0.12%
	FTV	C	0.05%	0.36%	0.05%
	GILD	C	0.22%	0.03%	0.03%
	GOOG	C	1.68%	2.32%	1.68%
	GOOGL	C	2.03%	1.19%	1.19%
	GRMN	B	0.06%	0.25%	0.06%
	GWW	B	0.11%	0.04%	0.04%
	HD	A	0.81%	0.93%	0.81%
	HIG	B	0.07%	0.17%	0.07%
	HLT	A	0.12%	0.04%	0.04%
	HOLX	D	0.04%	0.08%	0.04%
	HSY	F	0.05%	0.28%	0.05%
	HUM	C	0.07%	0.08%	0.07%
	IBM	C	0.38%	1.25%	0.38%
	ICE	C	0.18%	0.27%	0.18%
	IDXX	F	0.07%	0.13%	0.07%
	IEX	B	0.03%	0.26%	0.03%
	INCY	C	0.02%	0.04%	0.02%
	INTC	D	0.21%	0.29%	0.21%
	INTU	C	0.39%	0.62%	0.39%
	IQV	D	0.07%	0.02%	0.02%
	IR	B	0.08%	0.04%	0.04%
	ISRG	A	0.38%	0.38%	0.38%
	ITW	B	0.15%	0.36%	0.15%
	JNJ	D	0.75%	0.93%	0.75%
	JNPR	F	0.02%	0.29%	0.02%
	JPM	A	1.4%	1.32%	1.32%
	KDP	D	0.07%	0.07%	0.07%
	KEYS	A	0.05%	0.12%	0.05%
	KIM	A	0.03%	0.09%	0.03%
	KKR	A	0.2%	0.18%	0.18%
	KLAC	D	0.17%	0.21%	0.17%
	LH	C	0.04%	0.02%	0.02%
	LLY	F	1.18%	1.57%	1.18%
	LOW	D	0.31%	0.05%	0.05%
	LULU	C	0.07%	0.09%	0.07%
	MA	C	0.87%	1.27%	0.87%
	MCD	D	0.42%	0.95%	0.42%
	MCO	B	0.15%	0.57%	0.15%
	MDT	D	0.23%	0.31%	0.23%
	MET	A	0.1%	0.13%	0.1%
	META	D	2.43%	2.46%	2.43%
	MKC	D	0.04%	0.01%	0.01%
	MKTX	D	0.02%	0.07%	0.02%
	MMC	B	0.22%	0.33%	0.22%
	MNST	C	0.07%	0.14%	0.07%
	MPWR	F	0.06%	0.09%	0.06%
	MRK	F	0.49%	0.66%	0.49%
	MRNA	F	0.03%	0.01%	0.01%
	MSFT	F	6.2%	6.65%	6.2%
	MSI	B	0.16%	0.52%	0.16%
	MTB	A	0.07%	0.08%	0.07%
	MTCH	D	0.02%	0.02%	0.02%
	MTD	D	0.05%	0.31%	0.05%
	NDAQ	A	0.07%	0.13%	0.07%
	NEM	D	0.09%	0.09%	0.09%
	NFLX	A	0.71%	0.83%	0.71%
	NKE	D	0.19%	0.08%	0.08%
	NOW	A	0.42%	0.91%	0.42%
	NTRS	A	0.04%	0.09%	0.04%
	NVDA	C	7.02%	7.56%	7.02%
	O	D	0.1%	0.19%	0.1%
	ODFL	B	0.08%	0.19%	0.08%
	ORCL	B	0.59%	0.82%	0.59%
	PANW	C	0.25%	0.06%	0.06%
	PAYC	B	0.02%	0.01%	0.01%
	PAYX	C	0.09%	0.15%	0.09%
	PFE	D	0.28%	0.24%	0.24%
	PGR	A	0.3%	0.36%	0.3%
	PLD	D	0.21%	0.75%	0.21%
	PNR	A	0.04%	0.48%	0.04%
	PODD	C	0.04%	0.05%	0.04%
	PSA	D	0.11%	0.22%	0.11%
	PYPL	B	0.18%	0.2%	0.18%
	QCOM	F	0.36%	0.44%	0.36%
	REGN	F	0.16%	0.2%	0.16%
	RMD	C	0.07%	0.14%	0.07%
	ROK	B	0.07%	0.46%	0.07%
	ROL	B	0.03%	0.12%	0.03%
	ROP	B	0.12%	0.17%	0.12%
	ROST	C	0.09%	0.14%	0.09%
	RVTY	F	0.03%	0.11%	0.03%
	SBUX	A	0.22%	0.28%	0.22%
	SCHW	B	0.24%	0.43%	0.24%
	SHW	A	0.18%	1.52%	0.18%
	SMCI	F	0.02%	0.01%	0.01%
	SNPS	B	0.16%	0.22%	0.16%
	SPG	B	0.11%	0.16%	0.11%
	SPGI	C	0.32%	0.76%	0.32%
	STZ	D	0.07%	0.03%	0.03%
	SYK	C	0.27%	0.35%	0.27%
	TECH	D	0.02%	0.03%	0.02%
	TFX	F	0.02%	0.04%	0.02%
	TJX	A	0.27%	0.4%	0.27%
	TMO	F	0.39%	0.49%	0.39%
	TMUS	B	0.23%	0.05%	0.05%
	TRMB	B	0.03%	0.13%	0.03%
	TROW	B	0.05%	0.11%	0.05%
	TRV	B	0.12%	0.07%	0.07%
	TSLA	B	1.79%	3.03%	1.79%
	TTWO	A	0.06%	0.03%	0.03%
	TXN	C	0.37%	0.67%	0.37%
	TYL	B	0.05%	0.05%	0.05%
	UBER	D	0.31%	0.2%	0.2%
	ULTA	F	0.04%	0.07%	0.04%
	UNH	C	1.1%	1.18%	1.1%
	UNP	C	0.29%	0.2%	0.2%
	USB	A	0.16%	0.13%	0.13%
	V	A	1.04%	1.8%	1.04%
	VICI	C	0.07%	0.25%	0.07%
	VLTO	D	0.05%	0.15%	0.05%
	VMC	B	0.07%	0.05%	0.05%
	VRSK	A	0.08%	0.16%	0.08%
	VRSN	F	0.03%	0.15%	0.03%
	VRTX	F	0.24%	0.27%	0.24%
	VTR	C	0.05%	0.08%	0.05%
	VZ	C	0.35%	0.12%	0.12%
	WAT	B	0.04%	0.19%	0.04%
	WELL	A	0.16%	0.21%	0.16%
	WFC	A	0.51%	0.29%	0.29%
	WM	A	0.16%	0.04%	0.04%
	WRB	A	0.04%	0.09%	0.04%
	WST	C	0.05%	0.23%	0.05%
	WTW	B	0.06%	0.14%	0.06%
	XYL	D	0.06%	1.14%	0.06%
	YUM	B	0.08%	0.15%	0.08%
	ZBH	C	0.05%	0.07%	0.05%
	ZTS	D	0.16%	0.53%	0.16%

IVV Overweight 287 Positions Relative to NZUS

	Symbol	Grade	Weight
	BRK.A	B	1.73%
	XOM	B	1.07%
	COST	B	0.81%
	PG	A	0.8%
	WMT	A	0.74%
	CVX	A	0.55%
	KO	D	0.48%
	PEP	F	0.44%
	LIN	D	0.43%
	ABT	B	0.41%
	PM	B	0.4%
	GE	D	0.39%
	GS	A	0.38%
	CAT	B	0.37%
	BKNG	A	0.34%
	MS	A	0.34%
	T	A	0.33%
	NEE	D	0.32%
	RTX	C	0.32%
	HON	B	0.3%
	AMAT	F	0.28%
	PLTR	B	0.27%
	COP	C	0.26%
	C	A	0.26%
	LMT	D	0.23%
	DE	A	0.21%
	BA	F	0.21%
	MU	D	0.21%
	UPS	C	0.2%
	MO	A	0.19%
	SO	D	0.19%
	PH	A	0.18%
	CI	F	0.18%
	GEV	B	0.18%
	LRCX	F	0.18%
	TT	A	0.18%
	PNC	B	0.17%
	MDLZ	F	0.17%
	DUK	C	0.17%
	CRWD	B	0.16%
	MCK	B	0.16%
	CDNS	B	0.16%
	EMR	A	0.15%
	GD	F	0.15%
	CL	D	0.15%
	EOG	A	0.15%
	NOC	D	0.14%
	WMB	A	0.14%
	CEG	D	0.14%
	TDG	D	0.14%
	TGT	F	0.14%
	ORLY	B	0.14%
	APD	A	0.14%
	COF	B	0.14%
	MMM	D	0.14%
	TFC	A	0.13%
	CARR	D	0.13%
	HCA	F	0.13%
	GM	B	0.13%
	OKE	A	0.13%
	MAR	B	0.13%
	FDX	B	0.13%
	CVS	D	0.13%
	SRE	A	0.12%
	PCAR	B	0.12%
	NSC	B	0.12%
	SLB	C	0.12%
	FCX	D	0.12%
	KMI	A	0.11%
	MPC	D	0.11%
	AZO	C	0.11%
	PSX	C	0.11%
	RCL	A	0.11%
	NXPI	D	0.11%
	FICO	B	0.11%
	URI	B	0.11%
	JCI	C	0.11%
	DHI	D	0.1%
	PWR	A	0.1%
	FIS	C	0.1%
	D	C	0.1%
	AIG	B	0.1%
	VST	B	0.1%
	CMI	A	0.1%
	AEP	D	0.1%
	RSG	A	0.09%
	BKR	B	0.09%
	TRGP	B	0.09%
	F	C	0.09%
	PEG	A	0.09%
	VLO	C	0.09%
	PCG	A	0.09%
	TEL	B	0.09%
	CCI	D	0.09%
	KMB	D	0.09%
	PRU	A	0.09%
	KVUE	A	0.09%
	HWM	A	0.09%
	MSCI	C	0.09%
	LHX	C	0.09%
	GEHC	F	0.08%
	DELL	C	0.08%
	CTSH	B	0.08%
	CTVA	C	0.08%
	KR	B	0.08%
	XEL	A	0.08%
	EA	A	0.08%
	EXC	C	0.08%
	CBRE	B	0.08%
	OTIS	C	0.08%
	HES	B	0.08%
	IT	C	0.08%
	LEN	D	0.08%
	DAL	C	0.08%
	COR	B	0.08%
	FANG	D	0.07%
	ED	D	0.07%
	OXY	D	0.07%
	IRM	D	0.07%
	MCHP	D	0.07%
	DD	D	0.07%
	WAB	B	0.07%
	NUE	C	0.07%
	GIS	D	0.07%
	MLM	B	0.07%
	GLW	B	0.07%
	HPQ	B	0.07%
	SYY	B	0.07%
	HPE	B	0.06%
	KHC	F	0.06%
	DOV	A	0.06%
	ON	D	0.06%
	NVR	D	0.06%
	STT	A	0.06%
	PPG	F	0.06%
	CAH	B	0.06%
	GPN	B	0.06%
	TSCO	D	0.06%
	RJF	A	0.06%
	UAL	A	0.06%
	CNC	D	0.06%
	DOW	F	0.06%
	WEC	A	0.06%
	FITB	A	0.06%
	ETR	B	0.06%
	ATO	A	0.05%
	WY	D	0.05%
	EXPE	B	0.05%
	PTC	A	0.05%
	HUBB	B	0.05%
	CDW	F	0.05%
	SBAC	D	0.05%
	DVN	F	0.05%
	NTAP	C	0.05%
	RF	A	0.05%
	AEE	A	0.05%
	CCL	B	0.05%
	DTE	C	0.05%
	PPL	B	0.05%
	CPAY	A	0.05%
	EQT	B	0.05%
	SW	A	0.05%
	ADM	D	0.05%
	SYF	B	0.05%
	HBAN	A	0.05%
	GDDY	A	0.05%
	HAL	C	0.05%
	BR	A	0.05%
	PHM	D	0.05%
	DECK	A	0.05%
	J	F	0.04%
	KEY	B	0.04%
	BBY	D	0.04%
	TSN	B	0.04%
	PFG	D	0.04%
	MAA	B	0.04%
	BALL	D	0.04%
	SNA	A	0.04%
	CTRA	B	0.04%
	OMC	C	0.04%
	NRG	B	0.04%
	INVH	D	0.04%
	LUV	C	0.04%
	DRI	B	0.04%
	COO	D	0.04%
	ZBRA	B	0.04%
	IP	B	0.04%
	STLD	B	0.04%
	CNP	B	0.04%
	LYV	A	0.04%
	STX	D	0.04%
	CMS	C	0.04%
	WDC	D	0.04%
	BLDR	D	0.04%
	WBD	C	0.04%
	CLX	B	0.04%
	CFG	B	0.04%
	PKG	A	0.04%
	FE	C	0.04%
	LYB	F	0.04%
	K	A	0.04%
	LDOS	C	0.04%
	STE	F	0.04%
	TDY	B	0.04%
	IFF	D	0.04%
	ES	D	0.04%
	JKHY	D	0.03%
	CPT	B	0.03%
	CAG	D	0.03%
	BG	F	0.03%
	CHRW	C	0.03%
	DLTR	F	0.03%
	SWK	D	0.03%
	TPR	B	0.03%
	AKAM	D	0.03%
	UDR	B	0.03%
	SWKS	F	0.03%
	POOL	C	0.03%
	NDSN	B	0.03%
	APTV	D	0.03%
	JBL	B	0.03%
	EVRG	A	0.03%
	JBHT	C	0.03%
	AMCR	D	0.03%
	DPZ	C	0.03%
	L	A	0.03%
	VTRS	A	0.03%
	LNT	A	0.03%
	CF	B	0.03%
	AVY	D	0.03%
	TXT	D	0.03%
	MRO	B	0.03%
	GEN	B	0.03%
	EG	C	0.03%
	NI	A	0.03%
	DG	F	0.03%
	TER	D	0.03%
	LVS	C	0.03%
	EXPD	D	0.03%
	GPC	D	0.03%
	MAS	D	0.03%
	MOH	F	0.03%
	HII	D	0.02%
	BWA	D	0.02%
	IVZ	B	0.02%
	CZR	F	0.02%
	CE	F	0.02%
	HAS	D	0.02%
	APA	D	0.02%
	RL	B	0.02%
	MOS	F	0.02%
	WYNN	D	0.02%
	HRL	D	0.02%
	CPB	D	0.02%
	FRT	B	0.02%
	MGM	D	0.02%
	HSIC	B	0.02%
	SOLV	C	0.02%
	CRL	C	0.02%
	GL	B	0.02%
	AES	F	0.02%
	LKQ	D	0.02%
	IPG	D	0.02%
	PNW	B	0.02%
	NWSA	B	0.02%
	LW	C	0.02%
	GNRC	B	0.02%
	TAP	C	0.02%
	AIZ	A	0.02%
	SJM	D	0.02%
	NCLH	B	0.02%
	DAY	B	0.02%
	EMN	D	0.02%
	UHS	D	0.02%
	REG	B	0.02%
	HST	C	0.02%
	ALB	C	0.02%
	KMX	B	0.02%
	AMTM	D	0.01%
	NWS	B	0.01%
	WBA	F	0.01%
	QRVO	F	0.01%
	PARA	C	0.01%
	BEN	C	0.01%
	FMC	D	0.01%
	MHK	D	0.01%
	DVA	B	0.01%

IVV Underweight 34 Positions Relative to NZUS

	Symbol	Grade	Weight
	ACM	A	-0.57%
	MRVL	B	-0.31%
	RIVN	F	-0.28%
	MELI	D	-0.22%
	APO	B	-0.22%
	AFG	A	-0.17%
	MKL	A	-0.13%
	RPRX	D	-0.12%
	GGG	B	-0.11%
	ALNY	D	-0.1%
	SEIC	B	-0.1%
	WDAY	B	-0.08%
	VEEV	C	-0.07%
	TTD	B	-0.05%
	BMRN	D	-0.05%
	ILMN	D	-0.05%
	BIO	D	-0.04%
	NBIX	C	-0.04%
	AVTR	F	-0.03%
	HUBS	A	-0.03%
	SQ	B	-0.03%
	BAH	F	-0.03%
	SNAP	C	-0.02%
	EXAS	D	-0.02%
	DOCU	A	-0.02%
	ZM	B	-0.02%
	PINS	D	-0.02%
	OKTA	C	-0.02%
	SNOW	C	-0.02%
	COIN	C	-0.02%
	TW	A	-0.02%
	WPC	D	-0.01%
	MDB	C	-0.01%
	TRU	D	-0.01%

IVV: Top Represented Industries & Keywords

Industries: Diversified Industrials Software - Application Utilities - Regulated Electric Business Services Semiconductors Diagnostics & Research Asset Management Oil & Gas E&P Aerospace & Defense Banks - Regional - US Capital Markets Drug Manufacturers - Major Medical Instruments & Supplies Packaged Foods Medical Devices Specialty Retail Credit Services Health Care Plans Household & Personal Products Information Technology Services

Keywords: S&P 500 Nasdaq 100 Natural Gas Computing Electricity Insurance Dow Jones Component Electronics Aerospace Chemical Medicine Real Estate Investment Trust Telecommunications Bank Semiconductor Banking Insurance Products Petroleum Industry Transport Investment Bank

NZUS: Top Represented Industries & Keywords

Industries: Software - Application Diagnostics & Research Diversified Industrials Asset Management Biotechnology Business Services Drug Manufacturers - Major Semiconductors Insurance - Property & Casualty Internet Content & Information Medical Devices Medical Instruments & Supplies Capital Markets Insurance Brokers Credit Services Financial Data & Stock Exchanges Restaurants Scientific & Technical Instruments Software - Infrastructure Specialty Retail

Keywords: S&P 500 Nasdaq 100 Computing Insurance Dow Jones Component Medicine Real Estate Investment Trust Mobile Devices Telecommunications Biotechnology Work From Home Insurance Products Software Software As A Service Bank Banking Cloud Computing Disability Casualty Insurance Chemical