Transformation in Česká spořitelna
|
|
- Sabrina Morrison
- 6 years ago
- Views:
Transcription
1 Transformation in Česká spořitelna Blending American style with Austrian concepts and Czech culture Dr. Heinz Knotzer Member of the Board and Deputy CEO Prague, May 16, 2006
2 Erste Bank Group - March 2006 ERSTE BANK in Central and Eastern Europe 2
3 Erste Bank Group Financial Ratios 3
4 Erste Bank Group Group Income Statement (IFRS) 4
5 Erste Bank Group Group Balance Sheet (IFRS) 5
6 Erste Bank Group Group Balance Sheet (IFRS) 6
7 Erste Bank Current shareholder structure Total numbers of shares: 308,032,560* By Investor Type By Region Austria Verein 5.0% Continental Europe 6.4% Others 0.9% 30.5% UK & Ireland 17.2% Employees 1.5% Institutional investors 48.6% Free float 64.5% Private investors 7.2% Savings banks 7.2% 7 North America 17.6% Austria 57.9% * As at February 2006
8 Česká spořitelna Financial Group 8
9 Česká spořitelna Group Profit & Loss Statement IFRS, Consolidated, CZK m original restated* Net interest income 17,126 17,236 18, Provisions on losses on loans and advances Net fee and commission income 8,580 8,394 8, Net profit/(loss) on financial operations 1,309 1,309 1, General administrative expenses -15,824-15,890-16, Income from insurance business Other operating income/(expenses) 2,827 2, Profit/(loss) before taxes 13,781 13,173 12, Income tax expense -4,046-3,950-3, Profit/(loss) after taxes 9,735 9,223 9, Minority interests -1,086-1, Net profit/(loss) for the year 8,649 8,137 9, Operating income 27,207 28, Operating expenses -15,890-16, Operating result 11,317 12, Cost / Income Ratio (%) 58.4% 56.9% ROE (%) 21.8% 22.3% % change 9
10 Česká spořitelna Financials (IFRS) IFRS, Consolidated, CZK m original restated* Net interest income 17,126 17,236 18, Provisions on losses on loans and advances Net fee and commission income 8,580 8,394 8, Net profit/(loss) on financial operations 1,309 1,309 1, General administrative expenses -15,824-15,890-16, Income from insurance business Other operating income/(expenses) 2,827 2, Profit/(loss) before taxes 13,781 13,173 12, Income tax expense -4,046-3,950-3, Profit/(loss) after taxes 9,735 9,223 9, Minority interests -1,086-1, Net profit/(loss) for the year 8,649 8,137 9, Operating income 27,207 28, Operating expenses -15,890-16, Operating result 11,317 12, Cost / Income Ratio (%) 58.4% 56.9% ROE (%) 21.8% 22.3% % change * Restated to reflect changes in accounting methodology related to IFRS 39 and other structural changes 10
11 Česká spořitelna Board Members + SMT 11
12 Transformation Jan 8 the failure of cash dispensers in full-area ČS cancels job positions OUT OF ORDER Ombudsman office starts its activities Start-up of Special Programmes (TOP Podnik, TOP Bydlení, TOP Kapitál, TOP Partner) Mortgage interest rate drops to 6.1% ČS devotes CZK 50 mio for floods damages recoverage ČS shortens the opening hours ČS offers Servis 24 Internetbanking Start-up of Client Call Centre in Prostějov 12 ČS becomes Bank of the Year 2002
13 Transformation H 2005 ČS succeeds to finish the legally enforced conversion of anonymous deposits books ČS establishes EU Office ČS becomes Bank of the Year 2003 ČS establishes Expat Centre ČS offers to companies the EU Programme to increase the competitiveness within EU ČS re-numbers 5 millions accounts due to EU entry ČS implements the possibility to pay by card in public authorities offices All cash dispensers work also for the settling payment orders ČS successfully introduces ORCO shares in Prague Stock Exchange ČS announces the action Let's pay by card, you help ČS sends from each transaction CZK 0,50 for a charity project ČS introduces 270 children corners in branches 13 Ministry of Finance attacks to ČS because of fees
14 Transformation 2 2H ČS introduces Codex of Clients Rights Gartner IT Consulting chooses ČS 2nd best in CRM among European banks ČS announces the project LEAP Dislocation of employees from H.Q. to outside Prague ČS announces the construction of Technical Centre. CZK 1.5 mio investment ČS establishes Business 24 - internet banking for companies 14
15 Transformation 1 - Project portfolio Local projects Group projects Enterprice Enterprice information information progr. progr. Credit Cards Credit Cards Chip Card Chip Card Payment Payment System System Development Development AML AML Core SAP Core SAP MSF MSF WebDON WebDON CIC III I R2 CIC III R2 Technical Technical center center LEAP LEAP Consumer Consumer Finance Finance FM Products FM Products Processing Processing SAP Bank SAP Bank Analyser Analyser DMS WfM II DMS WfM II Efficiency Efficiency Programme Programme (Hulk) (Hulk) Legacy Legacy Enhancement Enhancement Symbols CT Symbols CT WAN III WAN III Process Process Management Management in CS in CS EWCM EWCM Mortgage Mortgage Factory Factory Stabilization Stabilization releases releases Retail 2008 Retail 2008 Business Business Intelligence Intelligence Decentralised Decentralised Computing Computing (dis) (dis) Card Strategy Card Strategy GITO GITO EPM Tool EPM Tool Phase 2 Phase 2 Group Group Payment Payment System System Software Software Develop.. (NDU Develop. (NDU sit) sit) Large Large Corporates Corporates Cash Pooling Cash Pooling 15
16 New Group Architecture (NGA) Development of common approaches across the group with the aim to share benefits and ripe synergies Installation of a New Governing Body Group Steering Committee 16
17 New Group Architecture (NGA) Retail 2008 Harmonization of products & processes Widening of range of Investment Products Sales Management Techniques Consumer Finance Cards Group-wide Card Unit Revolving Credit Cards Group Large Corporates Group wide common approach to Large Corporates t/o > EUR 175 mio. Group Procurement Ripe synergies form combining procurement Information Technology Implementation of Group IT entities servicing the whole group Group Performance Model Harmonized controlling and reporting tools 17
18 Transformation 2 VISION, MISSION, VALUES & STRATEGIES
19 Transformation 2 Support Development of Market place Employee Code of Ethics CS Corporate Social Responsibility New Branding 19
20 Support Development of Market Place Corporate Governance Codex of Clients Rights for Private Clients Teach clients about products and service standards Develop better know-how on knowledge on customer side Specify not only rights but also what a customer can expect 20
21 Employee Code of Ethics Up date Basic version in use since 2001 Up-dated based on new core values for our stake holders, i.e. Clients Share holders Company Community 21
22 Corporate Social Responsibility Conducting Business Responsibly Sustaining Communities Being Responsive to our Communities and our Customers Environmental Responsibility Creating a Great Work Environment 22
23 FORMING A NEW BRAND
24 Vision & Mission Vision: CS is the First Choice Bank for all client groups. Through excellent performance of our employees, we provide superb advice, help and services to our clients. Through superb advice, help and service to our clients, we provide extraordinary returns to our shareholders. Through extraordinary returns to our shareholders, we provide a challenging and rewarding environment to our employees. Through extraordinary returns to our shareholders, we help in the development of the communities where we do business. Mission: We are a financial services provider enabling all our clients to achieve their specific wishes and needs. 24
25 Forming a new brand ČS as a company ČS in the market, as perceived by clients Vision Mission brand image in line withw brand essence Core values - ČS company s religion: pillars of executing and living its vision; deeply rooted in the brand essence; enable to fulfill the mission and to deliver in line with brand promise. Attentive & responsive Reliable Open & easy 25
26 New Brand Essence We always listen to our client needs and have an unquestioning commitment to fulfilling them. We make banking easy and worry-free so that our clients can achieve their own priorities both in managing their finances and in life as a whole. 26
27 Implementation of the New Brand SUBSIDIARIES COMMUNICATION APPROVAL PROCESSES Attentive & responsive Open &easy IN BRANCH NAVIGATION DISTRIBUTION CHANNELS STATEMENTS ČS Brand OMBUDSMAN SPONSORING PARTNERSHIPS Reliable 27 Etc PERSONNEL BEHAVIOR
28 Blending American style with Austrian concepts and Czech culture Fully dedicated to deliver outstanding financial results Vision to build the leading central European retail banking group Extreme high dedication and motivation Wish to take the leading position amongst the subsidiaries in EBG 28
29 Blending American style with Austrian concepts and Czech culture High committment to customer service and quality Establishing of group-wide valid principles and standards Very hard working Gradual integration and alignment of products and services Central support of IT development 29
30 Blending American style with Austrian concepts and Czech culture Benefit and profit driven customer care concepts Excellent technical skills Group wide harmonized marketing Prepared and ready to master the future 30
31 THANK YOU FOR YOUR ATTENTION
> Group Synergies. Update on the New Group Architecture Project. > Manfred Wimmer Executive Director, Group Architecture & Group Program Management
> Group Synergies Update on the Project > Manfred Wimmer Executive Director, Group Architecture & Group Program Management > Agenda Overview of the main NGA initiatives 1. Group Large Corporates 2. Group
More informationRELATIONSHIP MANAGER SCORECARD
Balentine Balentine LLC, is an independently owned Registered Investment Advisor with a history of over 25 years of experience providing unconflicted advice to wealthy individuals and their families, endowments
More information1. Jobs & projects (3-13) 2. Know-how (14) 3. Education (15)
Curriculum Vitae 1. Jobs & projects (3-13) 2. Know-how (14) 3. Education (15) 2 Job / project Company / business language From To Project & business development manager Different banking customers 2007
More informationGroup Management and Productivity Enhancement by Shinsei Bank Group
Management and Productivity Enhancement by Shinsei Bank February, 2018 Akira Hirasawa Chief Officer of Organizational Strategy Headquarters Shinsei Bank, Limited Direction of Management Establish unique
More informationMagic Software Reports Third Quarter Financial Results
Magic Software Reports Third Quarter Financial Results Or Yehuda, Israel; November 9, 2006 -- Magic Software Enterprises Ltd. (Nasdaq: MGIC), a leading provider of state-of-the-art business integration
More informationCreating a Leading Bank in Poland
Creating a Leading Bank in Poland Update on Integration Program for Investors Warsaw, February 21, 2007 1 AGENDA 1 Pekao-BPH: unique integration process 2 Progress update on integration Effective management
More informationIt starts today. Chief Executive Officer s Message
It starts today Darryl White Chief Executive Officer BMO is on the move. Adapting. Innovating. Working hard to anticipate customers expectations and deliver value to shareholders. Always. Now it s year
More informationCALL CENTER TRAVEL CENTER
CALL CENTER TRAVEL CENTER Who we are? "Travel Center, a strategic partner of our customers" Travel Center, is the best tool to meet the demanding business communication needs "one to one" between companies
More informationChapter 12 Applications in Manufacturing Sector. Book:- Waman S Jawadekar
Chapter 12 Applications in Manufacturing Sector Book:- Waman S Jawadekar Introduction This chapter is an introduction to the business applications of MIS. For each application, inputs, which are processed
More informationLeadership development workshop: lead inspire develop February 2018
Leadership development workshop: lead inspire develop 05 07 February 2018 Contents About the course 03 Agenda 05 Registration form 07 About the course In today s changing business world and fluctuating
More informationJOINT PRESS RELEASE GENERALI AND PPF GROUP TO COMBINE THEIR CENTRAL AND EASTERN EUROPE BUSINESSES TO CREATE THE REGION S LEADING INSURER
JOINT PRESS RELEASE Preliminary joint venture agreement signed GENERALI AND PPF GROUP TO COMBINE THEIR CENTRAL AND EASTERN EUROPE BUSINESSES TO CREATE THE REGION S LEADING INSURER Agreement accelerates
More informationPassion for Excellence. Commitment to Delivery.
Passion for Excellence. Commitment to Delivery. Mission Statement 3 Passion for Excellence. Commitment to Delivery. Lodestone is a global management consultancy, committed to designing and delivering solutions
More informationIFRS - Transformation Agenda for Saudi Corporates. Organized by ICAP KSA Chapter
www.pwc.com IFRS - Transformation Agenda for Saudi Corporates 3 rd Saudi-Pak Accountancy Symposium Riyadh May 15, 2014 Organized by ICAP KSA Chapter Here today Gavin Steel ME Conversion Leader 2 Origin
More informationMid-Term Management Plan
Mid-Term Management Plan Review of Previous Mid-Term Management Plan and Direction of New Mid-Term Management Plan Mid-Term Management Plan 2009.4 2012.3 STEPS 2012.4 2015.3 Challenge for Reform 2015.4
More informationLeadership development workshop: lead inspire develop. Kuwait, 2 4 October 2017
Leadership development workshop: lead inspire develop Kuwait, 2 4 October 2017 Contents Introduction 03 Agenda 05 Registration form 07 Introduction In today s changing business world and fluctuating economy,
More informationBack Office System. The most advanced and modern tolling and transportation system in the market.
US Kapsch TrafficCom Back Office System. The most advanced and modern tolling and transportation system in the market. The Kapsch Next Generation Back Office is integrated by a set of interconnected modules
More informationBookkeeping & Accounting Services
Nonprofit Services & Solutions Bookkeeping & Accounting Services This Packet Includes: Services Overview Package Options & Pricing Outsourcing About Us Service Overview Bookkeeping Starting or managing
More informationAbout Commerzbank 9.8
About Commerzbank Commerzbank is a leading international commercial bank located in more than 50 countries. Its core market is Germany with a strong subsidiary in Poland (mbank). 9.8 Billion Euro gross
More informationThe Role of IT Harmonization & Standardization in Management of International Organization
Conf-IRM 2012 The Role of IT Harmonization & Standardization in Management of International Organization Ryszard Dyszkiewicz Head of Group IT Vienna Insurance Group 23.05.2012 Global or international companies...
More informationSAP Treasury Consulting
SAP Treasury Consulting Identifying and Implementing the Best System Environment for Your Treasury SAP Treasury Consulting by Serrala Your Requirements Are Our Mission The significance of treasury in companies
More informationBeing a Great Place to Work. Our Brand. Being a Great Place to Work - Our Brand Page 1 of 9
Being a Great Place to Work Our Brand Page 1 of 9 Our Brand Contents Message from the CEO Our History Our Mission, Vision and Objectives Our Behaviours and Values Working at UKAR Learning & Development,
More informationPro forma performance related key figures for the years 2017 and 2016 and the 2017 quarters
APPENDIX: UNAUDITED PRO FORMA FINANCIAL INFORMATION YIT and Lemminkäinen merged on February 1, 2018. To illustrate the effects of the merger to the results of operations and financial position of YIT and
More informationPosition Title: Finance Director
Position Title: Finance Director SASRIA SOC LIMITED Sasria, a state-owned company, is the only short-term insurer in South Africa that provides affordable voluntary cover against special risks such as
More informationSydbank s Business Model 2017
2017 1 Summary As a nationwide advisory bank, Sydbank has a significant presence in all parts of Denmark as well as in Northern Germany. Sydbank is a bank for most people but not the same bank for everyone.
More informationBridge. Optimize Insurance Distribution
Bridge Optimize Insurance Distribution Bridge Oceanwide is the leading provider of hosted software solutions for the insurance industry. Our customers, some of the world s largest insurers and brokers,
More informationCore Banking Modernisation
Core Banking Modernisation Market Briefing 28 April 2008 Summary An integral part of our strategy The next important step Building on our strong IT capability A step-change improvement in customer service
More informationExperience. Agility.
Experience Agility ABOUT IDEALINVENT Established in 2005, IDEALINVENT Technologies Pvt. Ltd provides solutions through innovative products focused on the banking and financial industry. Our products and
More informationInvestors Day. Mittelstand Bank: An increasing source of profit
Investors Day Mittelstand Bank: An increasing source of profit Frankfurt, 14.09.2005 Martin Blessing Good start H1 2005 results 1. 2. 3. 4. Agenda 1. 2. 3. 4. Good start for the new Mittelstand Bank segment
More informationInformation Management and Transaction Services
Information Management and Transaction Services 80 Our information management activities in 1999 focused primarily on migrating the HypoVereinsbank branch system to a single new bank-wide platform. In
More informationRetail Banking Sales Tactics. Robert Wright
Retail Banking Sales Tactics Robert Wright Agenda Banking in Kosovo European banking industry challenges Customer loyalty Sales culture restrictions and challenges - bank needs v customer needs Impact
More information2015 Investor Meeting
2015 Investor Meeting New York City December 4, 2015 Safe Harbor Except for historical information, the matters discussed in this presentation may constitute forward-looking statements that involve risks
More informationATB at a turning point ATB Financial Public Business Plan
ATB at a turning point ATB Financial Public Business Plan 2011-2015 Table of Contents Message from the President and CEO 2 A Unique Alberta Paradox 3 Dream 4 Goals 5 Strategy 7 Creating Value in our Lines
More informationNATIONAL BANK OF FUJAIRAH THE GOVERNANCE FRAMEWORK OF THE BOARD OF DIRECTORS
NATIONAL BANK OF FUJAIRAH THE GOVERNANCE FRAMEWORK OF THE BOARD OF DIRECTORS COPYRIGHT NBF 2016. ALL RIGHTS RESERVED No part of this document may be reproduced, stored in a retrieval system or transmitted
More informationEstablishment of The Policy on Customer-Oriented Business Conduct and its Action Plan
INFORMATION For Immediate Release Company Name: Shinsei Bank, Limited Name of Representative: Hideyuki Kudo President and CEO (Code: 8303, TSE First Section) Establishment of The Policy on Customer-Oriented
More information8302 Kloten Workflow Tuning witha De-Centralized Payment Factory. Expertise from 200 Projects Since 1992
Workflow Tuning witha De-Centralized Payment Factory Expertise from 200 Projects Since 1992 1 Group Payments Visible at Group Treasury Payments via a central group-wide payment system has several advantages:
More informationDevelop a Roadmap to Achieve Your Vision for Treasury Operations
Develop a Roadmap to Achieve Your Vision for Treasury Operations Wednesday, November 16, 2011 Brought to you by: In partnership with: Featured Speakers Mike Gallanis Partner Treasury Strategies Greg Kerwick
More informationManagement Update: A Case Study of CRM Excellence
IGG-02052003-02 C. Marcus Article 5 February 2003 Management Update: A Case Study of CRM Excellence Grupo Financiero Bital was Gartner s CRM Excellence Award winner for 2002 in the largeenterprise category.
More informationOracle Buys Primavera Creates First, Comprehensive Enterprise Project Portfolio Management Solution for Project-intensive Industries
Oracle Buys Primavera Creates First, Comprehensive Enterprise Project Portfolio Management Solution for Project-intensive Industries November 7, 2008 The following is intended to outline our general product
More informationOrora acquires The Register Print Group. 15 December 2016
Orora acquires The Register Print Group 15 December 2016 Transaction Summary Orora expands its geographic footprint by acquiring New Jersey (USA) based point of purchase business, The Register Print Group
More informationING General Meeting. Amsterdam 25 April 2016
ING General Meeting Amsterdam 25 April 2016 Agenda item 1 Opening remarks and announcements 2 General Meeting 2016 On the Record date, 28 March 2016, the issued capital of the company consisted of: 3,870,343,951
More informationIs your organization ready for faster payments?
Is your organization ready for faster payments? The list of those looking to speed up payments is growing and includes organizations such as the Federal Reserve, the National Automated Clearing House Association
More informationSoftware AG Heading for Growth
Software AG Heading for Growth Karl-Heinz Streibich, CEO June 01, 2006 Credit Suisse European Technology Conference, Barcelona, Spain This presentation contains forward-looking statements based on beliefs
More informationBusiness Owner Insights
Business Owner Insights Preparing for what comes next: Life after the sale of your business The UBS commitment to business owners Where you are today is the result of your passion for the business you
More informationPROGRESSIVE MINDS APPLY
PROGRESSIVE MINDS APPLY Global student and graduate programmes 2017 / 2018 hsbc.com/careers CONTENTS 04 The start of an exciting journey 06 Who we are and what we do 08 12 Career development HSBC_brochure_Global_16-08-2017-210x210
More informationTechnology Leadership in Leasing Implementing a New World in Leasing
Technology Leadership in Leasing Implementing a New World in Leasing Equipment Leasing Association 2002 Annual Convention October 14, 2002 10:30 am Noon Scott Thacker Senior Director Oracle Leasing Solutions
More informationQuestions which state 'This question does NOT use the case study' do not use the case study, and may be answered without reference to it.
ITIL Qualification: MANAGING ACROSS THE LIFECYCLE (MALC) CERTIFICATE Case Study 1, version 1.1 CASE STUDY BOOKLET This booklet contains the case study upon which at least 8 of the 10 examination questions
More informationTelefónica O2 Czech Republic
Telefónica O2 Czech Republic Quarterly Results January September 2008 23 rd October, 2008 CAUTIONARY STATEMENT Any forward-looking statements concerning future economic and financial performance of Telefónica
More informationENHANCING COMPETITIVENESS IN BANKING FOR EMERGING MARKETS
WWW.WIPRO.COM ENHANCING COMPETITIVENESS IN BANKING FOR EMERGING MARKETS Narasimham Nittala, Banking Practice Manager, Client Relationship Group, BFSI Practice, Wipro. Table of contents 03 Introduction
More information40% of banks in CEE have not yet decided which strategy to pursue. Cautious optimism reigns
Staying relevant in a disruptive market. EU member states have until January 2018 to implement the revised EU Payment Services Directive 2. But many banks in Central and Eastern Europe are still hesitant
More information2015 Teradata 大数据峰会 深圳
2015 Teradata 大数据峰会 深圳 The EDW - a key tool for Sberbank business transformation Gennady Shilov Head of EDW Program Sberbank of Russia Shenzhen 8 May 2015 2 Agenda 1. About Sberbank 2. THE 1ST PHASE OF
More informationJohn Kirkbright Chief Executive K-Strat International Senior Retail Banking Adviser to EFMA Chairman EFMA Banking Advisory Council
Innovation in Multi-Channel Management John Kirkbright Chief Executive K-Strat International Senior Retail Banking Adviser to EFMA Chairman EFMA Banking Advisory Council Moscow March 2010 Background to
More informationFor personal use only
ASX RELEASE MSL SOLUTIONS CONTINUES TO EXPAND GLOBAL FOOTPRINT, DELIVER ON ITS GROWTH STRATEGY AND REAFFIRMS GUIDANCE FOR FY18 Highlights On-track to deliver FY18 targets; 20% of annual target revenue
More informationTelefónica O2 Czech Republic
Telefónica O2 Czech Republic Quarterly Results January December 2008 24 th February, 2009 CAUTIONARY STATEMENT Any forward-looking statements concerning future economic and financial performance of Telefónica
More informationBuilding the BBVA franchise in the US. Best Practices in Retail Financial Services Symposium American Banker
Building the BBVA franchise in the US Best Practices in Retail Financial Services Symposium American Banker Marco Island FL, March 16th 2009 Disclaimer This document contains or may contain forward looking
More informationInternationaler Controller Verein ev. How controllers can achieve to be a partner of managers
Internationaler Controller Verein ev How controllers can achieve to be a partner of managers How controllers can achieve to be a partner of managers Agenda 1. Controllers task 2. Five levels to become
More informationwe deliver BIG time Experience the commitment
we deliver BIG time Experience the commitment Our solutions and services have generated $5 billion in tax recoveries for U.S. states maintain nearly $1.6 trillion in assets for financial institutions support
More informationSample Strategic Plan
Appendix Sample Strategic Plan Sierra Technology Software Strategic Plan 2007-08 Mission Our mission is to create technology solutions for forward-thinking organizations. Vision To be known as the technology
More information2017 Annual Results Sell-side analysts workshop. Patrick Bataillard, CFO. February 20, 2018
2017 Annual Results Sell-side analysts workshop Patrick Bataillard, CFO February 20, 2018 1 Agenda I. Fleet & Mobility solutions A leading position on a fast-growing market 1. A global player 2. Two transformational
More informationRoles and Responsibilities
Roles and Responsibilities Board Shareholders Board of Shareholders is the legal representation of the company formed by the shareholders of the company. Ahmet Musul is the Chairman of the Board. BS is
More informationConsolidated Financial Results for the Second Quarter of Fiscal Year Ending December 31, 2017 (Japan GAAP)
Note: This English translation is solely for reference purposes and not a legally definitive translation of the original Japanese text. In the event a difference arises regarding the meaning herein, the
More informationOnline Approval System
Online Approval System Loan Origination Platform for financial institutions automating the entire lending process Klustr Platform IS an advanced Loan Origination Platform, built on state-ofthe-art internet
More informationFor personal use only
ASX RELEASE HIGHLIGHTS MSL SOLUTIONS PRODUCES STRONG Q3 CASH FLOW RESULT Operating cash flow of $1.3 million for the quarter, and $2.2 million for the financial yearto-date (unaudited, adjusted for one-off
More informationPrivacy Statement for ING customers. Americas - May 2018
Privacy Statement for ING customers Americas - May 2018 Contents 1. About this Privacy Statement 3 2. The types of data we collect about you 3 3. What we do with your personal data 3 4. Who we share your
More informationTRANSFORM CASH SUPPLY CHAIN MANAGEMENT
TRANSFORM CASH SUPPLY CHAIN MANAGEMENT Putting the retail back into retail banking An NCR White Paper With the almost daily news of a new Near Field Communication (NFC) card or mobile device launch, one
More informationStrategic Plan Groupe BPCE
Strategic Plan Groupe BPCE 2018-2020 For all additional information, please refer to the full presentation available on the Groupe BPCE website: www.groupebpce.fr/en - 1/5 - Groupe BPCE launches its 2018-2020
More information17 TH J A N U A R Y. Future of Banking. Emerging trends and Archetypes
17 TH J A N U A R Y Future of Banking Emerging trends and Archetypes F U T U R E O F F S I Numerous emerging forces are shaping the future of Banking Open, API Standards (e.g. PSD2) Heightened Expectations
More informationOUR GUIDING PRINCIPLES
OUR GUIDING PRINCIPLES For some 50 years, the Green Bulletin series described the way John Deere conducted business and put its values into practice. The bulletins served as guides for the judgments and
More informationExcellence as a commitment, innovation as a goal. Flexibility and Experience
MICROFINANCE Excellence as a commitment, innovation as a goal. At TOP SYSTEMS we know how institution to trust a supplier and feel that they are an integral part of their team. Since 1987 we have been
More informationUnit Title: Principles of Marketing Stakeholder Relationships
Unit Credit Value: 3 Unit Level: Three Unit Guided Learning Hours: 16 Ofqual Unit Reference Number: J/502/9938 Unit Review Date: 31/08/2017 Unit Sector: 15.4 Marketing and Sales Unit Summary This unit
More informationInternational Processing for the Financial Industry
Payment Services International Processing for the Financial Industry State-of-the-art transaction processing and an unparalleled bandwidth of operational services to support banks and payment service providers
More informationSenior Resource Management Assistant G5. III Finance IOM Prague
I. POSITION INFORMATION Position title Position grade Duty station Seniority band: Job family: Organizational unit: Position number Position rated Subject to rotation Reporting directly to Overall supervision
More informationInternational Director of Fundraising Growth. Job announcement
International Director of Fundraising Growth Job announcement Job Title: Location: Reports to: Salary: International Director of Fundraising Growth Flexible, in a major city within Europe or the USA CEO
More informationMunicipal Library of Prague
Municipal Library of Prague ARE WE WORTH THE TAXPAYERS MONEY? LET S ASK THEM! Tomáš Řehák, Municipal Library of Prague METLIB, May 2015 Czech Republic Czech Republic Country in Central Europe 10.5 mil.
More informationTCS Financial Results
TCS Financial Results Quarter III FY 2017-18 Jan 11, 2018 1 Copyright 2017 Tata Consultancy Services Limited Disclaimer Certain statements in this release concerning our future prospects are forward-looking
More informationModello integrato IT&Operation: motore operativo end to end delle banche - Il caso UniCredit
Modello integrato IT&Operation: motore operativo end to end delle banche - Il caso UniCredit Paolo Cederle UniCredit Business Integrated Solutions CEO February, 2014 AGENDA UNICREDIT OVERVIEW BUSINESS
More informationDivisional Strategy: Institutional & Business Services by Michael Ullmer
Divisional : Institutional & Business Services by Michael Ullmer Title Slide: Briefing Good morning. I am delighted to have this opportunity to present to you today. Slide 1: Disclaimer The material that
More informationPayment Services. Issuing Processing. Product & Service Portfolio for Retailers
Payment Services Issuing Processing Product & Service Portfolio for Retailers New card business models generate profit for retailers Generate additional revenue and improve customer loyalty A payment card
More informationCapgemini Risk Management & Compliance
Risk Management & Compliance the way we do it Capgemini Risk Management & Compliance Bringing tangible results to the world s leading financial services companies Improving Reporting Through a Basel II
More informationQuestions & Answers #1 RFP Organisational Development Services HR/01/OD/MC/2018
Questions & Answers #1 RFP Organisational Development Services HR/01/OD/MC/2018 Q1 A1 Q2 A2 Q3 A3 Q4 A) Given the uncertainties around Brexit, and the length of the contract, are UK based entities eligible
More informationGorenje Gorenje Group Summary of the Strategic plan
Group Summary of the Strategic plan 2010 2013 Summary off tthe Sttrattegiic pllan 2010 -- 2013 Gorrenjje Grroup Velenje, Slovenia, January 2010 1 Group Summary of the Strategic plan 2010 2013 Letter by
More informationEY Center for Board Matters. Leading practices for audit committees
EY Center for Board Matters for audit committees As an audit committee member, your role is increasingly complex and demanding. Regulators, standard-setters and investors are pressing for more transparency
More informationExcellence in Operations. Getting the basics right in banking
Excellence in Operations Getting the basics right in banking Getting the basics right in banking Overview Banks are currently focusing their efforts on complying with increasingly complex regulations and
More informationBank of Ireland Group plc Compliance with the Capital Requirements Directive (CRD IV) - Governance Disclosures
Compliance with the Capital Requirements Directive (CRD IV) - Governance Disclosures Corporate Governance Statement Article 96 of the CRD IV requires institutions to set out a statement, on the institution
More informationPrivate family office
Private family office A long tradition of advising families Creating a vision for family wealth In an ever changing world there are increased opportunities for wealth creators, but increased challenges
More informationFinancial Services: Maximize Revenue with Better Marketing Data. Marketing Data Solutions for the Financial Services Industry
Financial Services: Maximize Revenue with Better Marketing Data Marketing Data Solutions for the Financial Services Industry DataMentors, LLC April 2014 1 Financial Services: Maximize Revenue with Better
More informationDavid Murray Full Year Results - August
David Murray Full Year Results - August 2001 www.commbank.com.au Disclaimer The material that follows is a presentation of general background information about the Bank s activities current at the date
More informationindependent consultant registration form
independent consultant registration form NEW REGISTRATION RE-REGISTRATION INFORMATION UPDATE I confirm that I have received an Introductory Training session from my Annique Sponsor before signing on as
More informationGuide to Member Benefits
Guide to Member Benefits Visit Our Website: www.aihc-assn.org Updated for 2018 4 3 1 W. L i b e r t y S t r e e t M e d i n a, O h i o 4 4 2 5 6 Table of Contents Page Number Mission, Vision, About Us
More informationTRANSITIONING YOUR BUSINESS WHAT YOU NEED TO KNOW
TRANSITIONING YOUR BUSINESS WHAT YOU NEED TO KNOW Thinking about transitioning your business undoubtedly raises questions and concerns. You ve likely considered factors such as payouts, technology solutions,
More informationEntrepreneurs and leaders. Chapter (December, 2018)
Entrepreneurs and leaders Chapter 21 25 (December, 2018) BUSINESS OBJECTIVES OVERVIEW Distinction between aims and objectives aims: general ideas what business wants to achieve in long-term (i.e., be a
More informationSmart decisions. Lasting value.tm
Crowe Firm Profile Smart decisions. Lasting value.tm Audit / Tax / Advisory / Risk / Performance Developing trusted relationships starts with a commitment to creating sustainable value in the delivery
More informationWelcome to Today s Web Seminar SPONSOR BY CONTENT FROM
Welcome to Today s Web Seminar SPONSOR BY CONTENT FROM HOSTED BY Moderator: Michael Sisk Contributing Editor, American Banker Michael Sisk is a New York-based journalist who has covered business and the
More informationSUMMARY OF STRATEGIC PLAN FOR THE
INTEREUROPA GROUP Intereuropa Global Logistics Service, Ltd. Co. SUMMARY OF STRATEGIC PLAN FOR THE INTEREUROPA GROUP 2015-2019 Koper, November 2014 Contents 1. Introduction... 3 2. Vision, Mission, Values...
More informationValuPay. Integrated Payment Disbursement ABOUT CLEARCYCLE WHY A DEDICATED PAYMENT SYSTEM? TOP 10 REASONS OUR CLIENTS VALUE ValuPay :
ABOUT CLEARCYCLE ClearCycle is the industry leader in complex payment solutions, serving manufacturing, distribution, retail, healthcare and the Fortune 100 for over 30 years. We specialize in tailored
More informationHow PSD2 impacts marketplaces and platforms
How PSD2 impacts marketplaces and platforms A Stripe guide for navigating the European regulatory changes By Michael Cocoman & David Schreiber The new European payments law, known as the second Payment
More informationr u o Y F n a n i i c l a Game Plan
Your Financial Game Plan THE BENEFITS OF A FINANCIAL GAME PLAN In sports, it s important to have a game plan to enable you to compete at the highest level. And you need an effective coach to provide guidance
More informationHOW INTEGRATED RECEIVABLES OVERCOMES THE FOUR BIGGEST CHALLENGES IN ORDER-TO-CASH
HOW INTEGRATED RECEIVABLES OVERCOMES THE FOUR BIGGEST CHALLENGES IN ORDER-TO-CASH EXECUTIVE SUMMARY Businesses are demanding more of their treasury departments. Treasury must become a strategic advisor,
More informationSERVICE RANGE IT INTERIM MANAGEMENT
SERVICE RANGE IT INTERIM MANAGEMENT Experience without theory is blind, But theory without experience is mere intellectual play. Immanuel Kant falk janotta unternehmensmanagement austernstraße 75 26388
More informationFinancial Impact of Business Intelligence Investments
Financial Impact of Business Intelligence Investments Simon Marland Retail Chief Information Officer Nedbank SA Retail SAS Forum International Lisbon June 2005 Index Background & Introduction Fundamentals
More informationSet to be the leading digital omni-channel bank
Set to be the leading digital omni-channel bank AGENDA Business model and key success factors Key highlights of 2013-16 Business Plan Closing remarks 82 BACK IN 2008 LAUNCHING ANOTHER ME TOO BANK WOULD
More information