Profile of CIC. 4,569,510 customers including: The group s activity is organized around five core businesses

Size: px
Start display at page:

Download "Profile of CIC. 4,569,510 customers including: The group s activity is organized around five core businesses"

Transcription

1 in brief 2013

2 2 cic in brief Profile of is the holding company and network bank for the Greater Paris region. It federates five regional banks and subsidiaries specialized in all finance and insurance business lines in France and abroad. 4,569,510 customers including: 3,778,772 individuals 72,200 associations 602,323 self-employed professionals 116,215 corporates 20,446 employees* 2,074 branches in France 3 foreign branches, 34 representative offices and 29 private banking offices outside France The group s activity is organized around five core businesses Retail banking encompasses the banking network comprising the regional banks and in the Greater Paris region and specialist activities whose products are distributed through this network: life and property-casualty insurance, equipment and real-estate leasing, factoring, fund management, employee savings plans and real estate. Financing encompasses credit facilities for large corporates and institutional customers, specialized financing (export, project and asset financing), together with international operations and foreign branches. Capital markets activities comprise investments in interestrate instruments, equities and foreign currencies, together with brokerage services. provides expertise in asset management and estate planning to entrepreneurs and private investors. It draws on the expertise of the group s specialist business lines and subsidiaries in France and abroad. Private equity comprises equity investments, M&A advisory services and financial and capital markets engineering. It is organized around two businesses: CM- Capital Finance and CM- Investissement. is one of the leading players in this segment in France outside the Paris region. Data as at 31 December 2012 * Full-time equivalent

3 cic in brief 3 Service offer endeavors to establish a lasting relationship with its clientele of retail customers, associations and professional and corporate customers. To help serve them, it constantly upgrades its branch network (24 new openings in 2012) and enhances its remote banking services by expanding its network of automatic teller machines and adding new Filbanque functions (new account management settings and applications for smartphones and touchscreen tablets are among the most recent). Drawing on the strength and solidity of the Crédit Mutuel- group, it provides an ever more efficient range of services covering banking, insurance and new technologies, including remote surveillance and mobile telephony, and adapted to young people in all age groups. provides high value-added services to a clientele of high-net-worth customers and senior executives through its private banking entities in France and abroad. 3,778,772 individuals meets its customers expectations by listening and responding to their needs, making the right expertise available, and providing local decision-making capacity. Making banking easy In today s world, it is essential to be able to contact your bank, freely and at all times. With Filbanque, whether you are at home, in the office or out in the street, you can carry out most transactions and make payments in all security, follow the stock market or access your insurance policies. A single subscription is all that is needed to manage your account by Internet, WAP, I-mode or telephone. Personal contracts (Contrats Personnels) include a service package: you choose the services that suit you best and, with the Web option, you benefit from reduced rates if you receive your bank statements via cic.fr. Your payment instruments are accompanied by extensive guarantees. All cards incorporate the contactless payment function and some offer the Différé plus option, providing for payment in installments. With Crédit en Réserve and Allure Libre accounts or a personal loan, you are equipped to face any unforeseen expenses or impulse purchases. And with Etalis, you can stagger a large expense over several months after paying it. and hospitalization, with no conditions attached or medical questionnaires. Several levels of benefits are available if you wish to take out more comprehensive coverage. Building your capital and preparing the future With Epargne évolutive, the bank offers a range of flexible savings solutions tailored to your priorities: safety net savings, building capital, increasing capital, top-up income, tax optimization and transmission of assets. By combining Livret A Sup and LDD Sup savings plans, you can invest up to 200,000 on advantageous and flexible terms and with complete security. With the Compte évolutif, you benefit from a guaranteed interest rate that is known in advance and increases each year without you having to commit to a subscription period, and your capital remains available at all times. If you wish, you can receive accrued interest each quarter. Plan assurance vie, a multi-vehicle contract, adapts to your needs through three formulas. For an investment in the financial markets or in rental real estate, your advisor will recommend products best suited to your situation and objectives and can draw on the assistance of the bank s wealth management experts when necessary. Benefit from the most efficient new technologies Crédit Mutuel- has always made new technologies a central feature of its strategy, with innovative products and services designed to make life easier: mobile telephone services; Protection Vol (remote home surveillance); Web Conso, an online consumer credit facility, e-retrait to help out a relative by making money available at an automated teller machine in France, etc. In telephone services, Mobile Cityzi enables you to pay for your purchases and to use public transport. The range of telephone service packages has been extended further, and if you buy several you can benefit from reductions and unlimited SMSs between different users with Avantage famille. Financing projects When buying a car, you can choose a specific car loan or opt for an all-inclusive long-term car rental solution. If you are planning to buy a house to live in or rent out, or to carry out home improvements, offers a comprehensive range of flexible and adaptable loans. Protecting your family and possessions Besides home and motor insurance, which cover all your needs starting from financing a project, our range of services also covers healthcare, retirement and personal insurance. Assurance Santé provides immediate and flexible coverage of consultations, basic care, dental care, optical needs

4 4 cic in brief 674,523 self-employed professionals and associations favors a dual approach to advise its clientele of trades people, small retailers, self-employed and independent professionals and farmers: a global approach covering both professional and personal aspects, as all entrepreneurs need to look after their businesses and their families and prepare the future from solid bases; and a range of tailored solutions. Services Saving time and reducing administrative tasks are priorities so as to be able to focus on the business: Contrat Professionnel Global comprises all the essential banking services bank cards, remote banking and means of payment insurence bundles their costs in a flat fee and adapts to your needs thanks to numerous options. s electronic payment solutions provide reassurance to your customers while optimizing your cash flows. CM- Paiement, a secure online payment solution, offers three formulas according to the size of your e-commerce site. Two others are specific to mail-order sales and associations. With the Prévention fraude module, you can set filter terms for payments considered too risky. Financing With Créa, business creators and acquirers have access to a comprehensive and tailored solution encompassing the initial financing, such as the PCE subsidized business creation or entrepreneur s loan, daily management, social security protection and advice both before and after launching a project. s discount, factoring and receivables assignment (Dailly act) services and overdraft facilities finance your operating cycle and meet your cash requirements. And you can delegate the sending out of reminders to recover unpaid receivables with Assistance Recouvrement. The range of equipment and materials financing solutions is exhaustive, including leasing options with all-inclusive offers such as Flash association and Autoconfort, which combine a maintenance contract with a long-term vehicle lease, as well as remote surveillance of your business premises with Protection Vol Pro. Savings and wealth management Your objectives and your requirements evolve over time: tax optimization, building capital, investing, preparing for retirement, transmitting wealth, etc. Your relationship manager will help you draw up a personalized strategy. Employee savings plans are tax-efficient methods of remunerating you and your employees, as well as motivating and increasing the loyalty of your staff. Force 3 Epargne (PEI) and Force 3 Retraite (PERCOI) collective retirement savings plans are available to you if you have at least one employee. Personal insurance As an entrepreneur, you need to protect your family and your company. TNS Prévoyance offers a choice between a capital sum or an annuity in the event of your death; daily indemnities enabling you to maintain your earnings in the case of incapacity to work and an education allowance. And Homme clé provides insurance against the absence of employees who are key to the functioning of your business.

5 cic in brief 5 116,215 corporates Relationship managers are in close contact with businesses of all sizes and their executives and provide them with their extensive expertise, which draws on the innovation capacity and the business centers of Crédit Mutuel-. Flow management Encompassing the monitoring, management and security of financial inflows and outflows and the optimization of cash surpluses, our innovative electronic payment, bank connectivity and remote banking services are at the cutting edge of technology. The group is highly involved in the SEPA project, which it has been instrumental in developing, and helps businesses migrate to new file exchange protocols and to introduce suitable formats. CM- has also participated in the introduction of SEPAmail, a new electronic invoice payment solution. Cash management By investing in term deposits, including those at step-up rates, CDN negotiable term deposits, BMTN medium-term negotiable notes and Acti-trésorerie, you automatically boost the return on your cash in complete security. And s trading specialists guide you in your choices to protect you against currency and interest-rate risks. International is your day-to-day partner for obtaining information, identifying suitable contacts, targeting potential clients, financing your development and determining your means of payment. Through its 37 international branches and representative offices, as well as specialist subsidiaries such as CM- Aidexport, it can offer ad hoc services, such as market research, organization of trade missions, country days, partnerships and setting up of operations, among others. Operating cycle We offer numerous solutions to finance your operating cycle, including surety bonds, guarantees, receivables assignment and short-term loans. InfoRisk assesses the financial health of your business partners, and CM- Factor s factoring agreements can protect your business, whatever its size, against the risk of payment default, thereby securing your trade receivables. Investment Whether for creating or taking over a business, acquiring or renovating its production facilities or innovating, s solutions range from conventional loans to real estate, equipment or vehicle leasing and finance. Social engineering Deferred collective remuneration (profit sharing, incentive plans and employee savings plans) and group insurance cover (retirement indemnities, plans under Article 39/83 of the French Tax Code, health and personal insurance) are fully covered in an advantageous tax framework. And with Plan Retraite Evolutif, which is designed to adapt to changes in your company and in the business cycle and combines the advantages of the PERCO collective retirement savings plans with those under Article 83, you can optimize your remuneration policy while controlling your expenses. Financial engineering From creation to expansion, growth through acquisitions and transmission, can help you at each key phase of a company s life with a variety of often complex financial, legal and accounting issues.

6 6 cic in brief Activity of the regional banks (Greater Paris region) (1) Total customers: 702,443 individuals 583,385 associations 11,737 self-employed professionals 92,343 corporates 14,978 ATMs 307 Customer loans 15,439 Customer deposits 16,602 Managed savings 10,118 P&C insurance (no. contracts) 418,596 Nord Ouest Total customers: 757,310 individuals 639,489 associations 9,895 self-employed professionals 88,778 corporates 19,148 ATMs 337 Customer loans 16,110 Customer deposits 12,959 Managed savings 8,118 P&C insurance (no. contracts) 549,741 Ouest Total customers: 716,747 individuals 590,535 associations 10,383 self-employed professionals 94,331 corporates 21,498 ATMs 386 Customer loans 17,125 Customer deposits 12,217 Managed savings 9,248 P&C insurance (no. contracts) 477,521 Est Total customers: 1,024,345 individuals 864,618 associations 14,439 self-employed professionals 122,736 corporates 22,552 ATMs 497 Customer loans 21,769 Customer deposits 15,612 Managed savings 10,514 P&C insurance (no. contracts) 656,421 Sud Ouest Total customers: 418,327 individuals 333,173 associations 8,074 self-employed professionals 66,380 corporates 10,700 ATMs 357 Customer loans 8,637 Customer deposits 6,307 Managed savings 3,275 P&C insurance (no. contracts) 274,266 Lyonnaise de Banque Total customers: 950,338 individuals 767,572 associations 17,672 self-employed professionals 137,755 corporates 27,339 ATMs 592 Customer loans 23,339 Customer deposits 18,482 Managed savings 12,654 P&C insurance (no. contracts) 613,722 (1) Data for the retail banking network. Data at 31 December, 2012, end-of-month principal amounts in millions of euros.

7 cic in brief 7 (1) 6 avenue de Provence Paris Tel: +33 (0) Chairman and chief executive officer: Michel Lucas Deputy chief operating officer: Alain Fradin Deputy chief executive: Philippe Vidal Director of the retail banking network: Daniel Baal Director of the corporate banking network: René Dangel Nord Ouest (2) 33 avenue Le Corbusier Lille Tel: +33 (0) Chairman and chief executive officer: Stelli Prémaor Deputy chief operating officers: Éric Cotte Bernard Duval Ouest (3) 2 avenue Jean-Claude Bonduelle Nantes Tel: +33 (0) Chairman and chief executive officer: Michel Michenko Deputy chief operating officers: Michel David Laurent Métral Lyonnaise de Banque (5) 8 rue de la République Lyon Tel: +33 (0) Chairman and chief executive officer: Rémy Weber Deputy chief operating officer: Isabelle Bourgade Sud Ouest (6) Cité Mondiale 20 quai des Chartrons Bordeaux Cedex Tel: +33 (0) Chairman and chief executive officer: Pascale Ribault Est (4) 31 rue Jean Wenger-Valentin Strasbourg Tel: +33 (0) Chairman and chief executive officer: Nicolas Théry Deputy chief operating officers: Luc Dymarski Pierre Jachez

8 8 cic in brief Simplified organization chart The percentages indicated represent the percentages of control exercised by within the meaning of Article L of the French Commercial Code. Companies that are not controlled by (less than 50% holding) are also held by Crédit Mutuel, as indicated opposite. They are thus controlled within the meaning of the same Article by the Crédit Mutuel- group. RETAIL BANKING NETWORK Nord Ouest Ouest Sud Ouest Est Lyonnaise de Banque PRIVATE BANKING (1) 62.7% Banque Transatlantique Dubly Douilhet Banque Suisse Banque de Luxembourg Private Banking- Banque Pasche PRIVATE EQUITY CM- Capital Finance SPECIALIZED BUSINESSES 23.5% 99.9% 99.2% CM- Asset Management CM- Gestion CM- Epargne Salariale CM- Securities CM- Bail 54.1% 95.5% CM- Lease CM- Factor CM- Aidexport INSURANCE 20.5% Groupe des Assurances du Crédit Mutuel SHARED SERVICES COMPANIES 12.5% Euro Information No capital GIE CM- Titres No capital GIE CM- Services (1) business is also conducted by s Singapore branch (in Singapore and via Investor Services Limited in Hong Kong). comprises: (Crédit Industriel et Commercial), the holding company and bank that heads the group. It is also the regional bank serving the Greater Paris region and houses the group s investment, financing and capital markets activities; five regional banks, each of which serves a clearly-defined region; specialist entities and service companies serving the entire group. Crédit Mutuel shareholdings by business: Specialized businesses CM- Asset Management: 76.5% CM- Bail: 0.8% CM- Lease: 45.9% CM- Factor: 4.5% Insurance Groupe des Assurances du Crédit Mutuel: 79.5% Shared services companies Euro Information: 87.5%

9 cic in brief 9 The strength of an international group 11 federations (1) Caisse Fédérale de Crédit Mutuel (Banks 82% ACM 18%) Regional banks and local banks 93% 6% Banque Fédérative du Crédit Mutuel (BFCM) 94% Caisses de Crédit Mutuel of the 11 federations Centre Est Europe Sud-Est Ile-de-France Savoie-Mont Blanc Midi-Atlantique Centre Dauphiné-Vivarais Loire-Atlantique Centre-Ouest Méditerranéen Normandie Anjou Financial Asset Management* Bail* Épargne Salariale* Gestion* Factor* Securities* Titres* Aidexport* BECM Sofémo Filaction ESN C2C Home Loan SFH Technology Euro Information EID - EIP EII EIS - Sicorfé EP Surveillance EIDS-ETS Euro GDS Euro P3C Euro TVS EurAfric Information IID / DPS Keynectis CardProcess EI Telecom Axxès EP Services Factor Soft Insurance GACM ACM Vie SAM ACM Vie SA Sérénis Vie ACM IARD Sérénis Assurances ACM Services Partners Assurances ACM Ré Agrupacio AMCI Desjardins RACC Seguros RMA Watanya Astree ICM Life Procourtage Real estate Sarest* Ataraxia* SOPARIM* SOFEDIM* AFEDIM* Gestion immobilière* Lease CMH* Banque Privée Banque Transatlantique (France, Luxembourg, Belgium, Singapore, Montreal) Banque de Luxembourg Suisse Banque Pasche Dubly Douilhet Private equity CM- Capital Finance 51% 50% 20% 26% 4.4% 50% Nord Ouest Est Ouest Sud Ouest Lyonnaise de Banque Banca Popolare di Milano Iberbanco Cofidis Banque Casino Banque de Tunisie BMCE Bank Banco Popular TargoBank (Spain) TargoBank (Germany) 6.60% 50% (1) Centre Est Europe; Sud-Est; Ile-de-France; Savoie-Mont Blanc; Midi-Atlantique; Dauphiné-Vivarais; Loire-Atlantique et Centre-Ouest; Normandie; Centre; Méditerranéen; Anjou. * CM- subsidiary U.K. United Kingdom Germany France Belgium 1 Luxembourg 2 Czech Republic Slovakia Switzerland 3 Hungary Portugal Spain Italy Morocco Tunisia 1 CM- Bail Belgique BT Belgium 2 Banque de Luxembourg BT Luxembourg Cofidis Partners (Insurance) ICM Life (Insurance) 3 Private Banking Banque Pasche Banque (Suisse)

10 10 cic in brief International and specialist network International network Europe Germany Wilhelm-Leuschner Strasse 9-11 D Frankfurt am Main Tel: Christoph Platz-Baudin Belgium and the Netherlands Banque Transatlantique Belgium Rue de Crayer, Brussels Tel: / cicbanques.be Gaétan Croen Spain Calle Claudio Coellon N 123 6ª planta Madrid Tel: /82 cicmadrid.com Rafael Gonzalez-Ubeda United Kingdom Veritas House 125 Finsbury Pavement London EC2A IHX Tel: Ubaldo Bezoari Hungary Budapesti kepviseleti Iroda Fö utca 10 H-1011 Budapest Tel: cicbudapest.hu Kalman Marton Italy Corso di Porta Vittoria, Milan Tel: Luigi Caricato Poland Ul Stawki 2 INTRACO 29 p Warsaw Tel: /02/03 cicvarsovie.pl Barbara Kucharczyk Portugal Avenida de Berna n 30, n A Lisbon Tel: /44 mail.telepac.pt Henrique Real Czech Republic Mala Stepanska Prague CZ Tel: Zdenka Stibalova Romania Str. Herastrau nr.1, etaj 2 Apt. 6, Sector Bucharest Tel: Georges Anagnostopoulos Russian Federation CIS 9, korp. 2A Kutuzovskiy prospekt Office Moscow Tel: cic-moscow.ru Nikita Stepanchenko Sweden, Baltic countries and Scandinavia Kronobergsgatan 27 SE Stockholm Tel: cic.pp.se Martine Wahlström Switzerland 29 avenue de Champel 1211 Genève 12 Tel: Nadine Johnson Turkey Suleyman Seba Cad. N 48 BJK Plaza A Blok K:4 D:41 Akaretler Besiktas Istanbul Tel: cicturkey.com Mehmet Bazyar Africa Algeria 38 rue des Frères Benali (ex-parmentier) Hydra Algiers Tel: / cicalgeria.com.dz Ahmed Mostefaoui Egypt 28 rue Cherif Cairo Tel: Hussein M. Lotfy Morocco 12 boulevard Brahim Roudani Résidence Zeïna 1 er étage appartement Casablanca Tel: / Karim Raoui Tunisia Immeuble Carthage Center Rue du Lac de Constance 1053 Les Berges du Lac Tunis Tel: / Emna Ben Amor Dimassi Middle East Lebanon and Middle East Achrafieh Rue de l archevèque Ghofrayel Immeuble Attar rdc gauche Beirut Tel: Blanche Ammoun United Arab Emirates Dubaï-Al Wasl-Sheikh Zayed Road Dubaï National Insurance Building 1 st Floor Office 106 PO Box: Dubai United Arab Emirates Tel: Blanche Ammoun Americas Brazil Do Brasil Rua Fidêncio Ramos, Andar Cj 132 CEP São Paulo SP Tel: brasil-cic.com.br Luiz Mendes de Almeida Chile Edificio World Trade Center Santiago Av. Nueva Tajamar 481 Torre Norte Oficina 1401 Las Condes Santiago de Chile Tel: cicsantiago.cl Sylvie Le Ny United States 520 Madison Avenue New York, N.Y Tel: Steve Francis Mexico Galileo 20 PH A Colonia Polanco CP Delegacion Miguel Hidalgo Mexico D.F. Tel: Olivier Soulard Venezuela Centro Plaza Torre A Piso 12 Oficina 1 Avenida Francisco de Miranda Caracas Postal address: Apartado Postal Caracas 1060 Tel: / cicvenezuela.com.ve Pierre Roger Asia East China/Shanghai Room 2005 Shanghai Overseas Chinese Mansion N 129 Yan An Xi Road (w) Shanghai Tel: / cicshanghai.cn Shan Hu North China/Beijing Room 310, Tower 1, Bright China Chang An Building N 7 Jianguomennei Dajie Dong Cheng District Beijing P.R. Tel: /68 Wenlong Bian South China/Hong Kong 22 nd Floor, Central Tower 28 Queen s Road Central Hong Kong Tel: cichongkong.com Pierre Garnier South Korea Samsug Marchen House 601 Il-San-Dong-Ku Jang-Hang-Dong-2-Dong 752 Goyang South Korea Tel: Isabelle Hahn India A-31 Feroz Gandhi Marg Lajpat Nagar Part 2 New Delhi Tel: Mathieu Jouve Villard

11 cic in brief 11 Indonesia Wisma Pondok Indah 2 Suite 1709 Jalan Sultan Iskandar Muda Pondok Indah Kav. V-TA Jakarta Selatan Tel: /09 cicindonesia.co.id Japan Sun Mall Crest Shinjuku Shinjuku-ku Tokyo Tel: Frédéric Laurent Singapore 12 Marina Boulevard #37-01 Marina Bay Financial Center Tower 3 Singapore Tel: singapore.cic.fr Jean-Luc Anglada Taiwan 2F, N 61, Tien-mou West Road Taipeh Tel: /46 Henri Wen Thailand Amarin Tower 10 th floor Ploenchit road Lumpini Pathumwan Bangkok Tel: Abhawadee Devakula Vietnam c/o Openasia Consulting Limited 6B Ton Duc Thang Street 1 st Floor District 1 Hô Chi Minh City Tel: openasiagroup.com Daitu Doan Viet Oceania Australia Suite 1503, Level 15 Chifley Tower 2 Chifley Square Sydney NSW 2000 Australia Tel: Specialist network France Banque Transatlantique 26 avenue Franklin D.Roosevelt Paris Tel: +33 (0) Chairman and chief executive officer: Bruno Julien-Laferrière Chief operating officer: Hubert Veltz Private equity CM- Capital Finance 4-6 rue Gaillon Paris Tel: +33 (0) Chairman of the executive board: Antoine Jarmak Members of the executive board: Carl Arnou Pierre Tiers Belgium Banque Transatlantique Belgium Rue De Crayer, Brussels Tel: Fabrice de Boissieu Michel de Villenfagne United Kingdom Banque Transatlantique 125 Finsbury Pavement London EC2A IHX Tel: banquetransatlantique.com Elisabeth A. Markart Luxembourg Banque de Luxembourg 14 boulevard Royal L 2449 Luxembourg Tel: Pierre Ahlborn Philippe Vidal Banque Transatlantique Luxembourg 17 Côte d Eich BP 884 L 2018 Luxembourg Tel: banquetransatlantique.lu Didier Huard Mériadec Portier Switzerland Private Banking- Banque Pasche 10 rue de Hollande Case Postale Genève 11 Tel: Christophe Mazurier Banque (Suisse) SA 13 place du Marché 4001 Basel Tel: Thomas Müller Philippe Vidal Banque Transatlantique Private Wealth Avenue de Champel 29 Genève 1206 Tel: transatlantiqueprivatewealth.ch Nicolas Paillard Canada Banque Transatlantique 1170 rue Peel Bureau 601 Montreal (Quebec) H3B 4P2 Tel: banquetransatlantique.com David Eap United States Banque Transatlantique 520 Madison Avenue New York, N.Y Tel: banquetransatlantique.com Pascal Le Coz Hong Kong Banque Transatlantique 22/F, Central Tower 28 Queen s Road Central Hong Kong Tel: banquetransatlantique.com Juliette Michelon-Tang Investor Services Limited 22 nd Floor, Central Tower 28 Queen s Road Central Hong Kong Tel: Timothy Lo Singapore Banque Transatlantique 12 Marina Boulevard # Marina Bay Financial Center Tower 3 Singapore Tel: banquetransatlantique.com Yves Pinsard Singapore 63 Market Street #15-01 Singapore Tel: Paul Kwek

12 a French limited company (société anonyme) with share capital of 608,439,888 6, avenue de Provence Paris Swift CMCIFRPP Tel: +33 (0) Paris Trade and Companies Registry no Register of Insurance Intermediaries no (www.orias.fr) Bank governed by Articles L et seq. of the French Monetary and Financial Code for transactions carried out in its capacity as an insurance intermediary May 2013 Photos: Caroline Doutre

CIC Profile. 4,688,233 customers including: The group s activity is organized around five core businesses

CIC Profile. 4,688,233 customers including: The group s activity is organized around five core businesses 2014 in brief 2 in brief Profile, the holding company and network bank serving the Greater Paris region, comprises five regional banks and specialist entities covering all areas of finance and insurance

More information

CIC in brief. 2012 edition

CIC in brief. 2012 edition in brief 2012 edition Service offer > 3,703,056 individuals strives to provide the best possible service by listening and responding to its customers needs, making the right expertise available, and providing

More information

The CIC Group. 21,045 employees. 2,164 branches in France 3 foreign branches and 37 foreign representative offices

The CIC Group. 21,045 employees. 2,164 branches in France 3 foreign branches and 37 foreign representative offices 2 0 1 0 4,283,739 clients, including: 3,565,436 individuals 65,933 associations 537,889 self-employed professionals 109,696 corporates 21,045 employees 2,164 branches in France 3 foreign branches and 37

More information

The CIC group. 22,656 employees. 2,122 branches in France 3 foreign branches and 36 foreign

The CIC group. 22,656 employees. 2,122 branches in France 3 foreign branches and 36 foreign 2009 4,147,827 clients, including: 3,455,802 individuals 586,676 self-employed professionals 104,612 corporates 22,656 employees 2,122 branches in France 3 foreign branches and 36 foreign representative

More information

CIC. in brief. 2011 edition

CIC. in brief. 2011 edition in brief 2011 edition Service offer > 3,635,585 individuals strives to provide the best possible service by listening to its clients needs, making the right expertise available, responsive teams and local

More information

Building the future in a changing world

Building the future in a changing world 2015 201 CIC - In brief Figures as at 12/31/2015 Building the future in a changing world 3 2 1 Building the future in a changing world 5 AN ACTIVITY ORGANIZED INTO FIVE BUSINESS LINES PROFILe 1 A LEADING

More information

)/0 &* "1*1# 2//-/3!4*1 "1*#

)/0 &* 1*1# 2//-/3!4*1 1*# ! "# $ &' "&(# $ )*(+,- -$. *'# )-!'*' "!*(# )/0 &* "1*1# 2//-/3!4*1 "1*# /,-,526/27-32 - 02/8/0/-3/23 /00 3 9* :- 0/ - - / -/, // -/ /0 / - / 2 2 $ -2 / 03* / /&' -0&(#*!" # #! $!&'(&)&*+,-&,(. -//3/-003!"#

More information

Registration document. financial report. CM11-CIC GROUP BANQUE FéDéRATIVE DU CRéDIT MUTUEL

Registration document. financial report. CM11-CIC GROUP BANQUE FéDéRATIVE DU CRéDIT MUTUEL Registration document Annual financial report CM11-CIC GROUP BANQUE FéDéRATIVE DU CRéDIT MUTUEL 2012 The French-language version of this registration document was filed with the French Financial Markets

More information

(#)+(( 30& %0%! 20&! ()4

(#)+(( 30& %0%! 20&! ()4 "#$ % && ' ()*+,# 0 -$,)#(,+#.((/ 1((( (#,( 02 302 (#)+(( 30& %0%.()#) 02 20& ()4 5# 6"#( 6," " )( #76 4),.# 8,4 (#. ( (#( ""# #(,4,#) +#)( ) +#+ 6 " " 6 4 6 #(0 *6 # " (#( ) #6( )#7()),()()+(()(#)(#..(

More information

Sustained commercial activity, improved results and increased financial solidity

Sustained commercial activity, improved results and increased financial solidity Sustained commercial activity, improved results and increased financial solidity Results for the year ended December 31, 2013 Net banking income 11,977 m February27, 2014 Net banking income growing...

More information

13:1:4Crédit Industriel et Commercial

13:1:4Crédit Industriel et Commercial 13:1:4Crédit Industriel et Commercial Paris, July 29th, 2010 PRESS RELEASE CIC GROUP Ongoing expansion First half results to 30 June 2010 Financial results 2010 2010/2009 - Net banking income 2,376m +7%

More information

BFCM INVESTOR PRESENTATION

BFCM INVESTOR PRESENTATION BFCM INVESTOR PRESENTATION Credit update Dec 2011 Interim Figures 2011 www.bfcm.creditmutuel.fr Disclaimer Results Capital Liquidity Strategy Appendices 2 This presentation has been prepared by BanqueFédérativedu

More information

CORRESPONDENT BANKS 1 st of August 2011. This edition cancels and supersedes any previous editions. Processing Centres:

CORRESPONDENT BANKS 1 st of August 2011. This edition cancels and supersedes any previous editions. Processing Centres: TERMS AND CONDITIONS CORRESPONDENT BANKS 1 st of August 2011 This edition cancels and supersedes any previous editions. Crédit Industriel et Commercial 6, avenue de Provence 75009 PARIS France Bank Relations

More information

CaixaEmpresa. International Banking

CaixaEmpresa. International Banking International Banking Contents Introduction International Branches Representative Offices Strategic Bank Partners Correspondent Banks Introduction A door opening into the world CaixaBank has a considerable

More information

Global Real Estate Outlook

Global Real Estate Outlook Global Real Estate Outlook August 2014 The Hierarchy of Economic Performance, 2014-2015 China Indonesia India Poland South Korea Turkey Australia Mexico United Kingdom Sweden United States Canada South

More information

International Health Solutions. Worldwide Healthcare Plan

International Health Solutions. Worldwide Healthcare Plan Worldwide Healthcare Plan 37 subsidiaries Argentina, Austria, Bahamas, Belgium, Brazil, Canada, Chad, Chile, China, Congo, Czech Republic, France, French Polynesia, Germany, Greece, Hungary, India, Ireland,

More information

Office Rents map EUROPE, MIDDLE EAST AND AFRICA. Accelerating success.

Office Rents map EUROPE, MIDDLE EAST AND AFRICA. Accelerating success. Office Rents map EUROPE, MIDDLE EAST AND AFRICA Accelerating success. FINLAND EMEA Office Rents H2 212 NORWAY Oslo 38.3 5.4% 7.% 295, SWEDEN Stockholm 44.7 4.5% 3.% 5, Tallinn 13.4 44,2 21. 5.25% 1.% 12,

More information

CIC Banque Scalbert Dupont. The CIC in your area. Parce que le mode bouge

CIC Banque Scalbert Dupont. The CIC in your area. Parce que le mode bouge Scalbert Dupont The in your area Parce que le mode bouge Message from the Chairman Scalbert Dupont experienced a fruitful year in 2005 with satisfactory commercial and financial results, benefiting from

More information

P R E S S R E L E A S E

P R E S S R E L E A S E P R E S S R E L E A S E Contact: Robert McGrath 212.984.8267 robert.mcgrath@cbre.com Corey Mirman 212.984.6542 corey.mirman@cbre.com LONDON IS WORLD S MOST EXPENSIVE OFFICE MARKET FOR SECOND STRAIGHT YEAR

More information

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund Income INTECH Global Income Managed Volatility Fund Australia 0.0066 0.0375 Austria 0.0045 0.0014 Belgium 0.0461 0.0138 Bermuda 0.0000 0.0059 Canada 0.0919 0.0275 Cayman Islands 0.0000 0.0044 China 0.0000

More information

Gruppo Intesa Network

Gruppo Intesa Network Gruppo Intesa Network Branches in Italy broken down by Bank and by Region (Up-dated as at December 2000) Ambroveneto (1) Cariplo BCI Carime (2) FriulAdria Cariparma Other Group banks (3) Piemonte 37 85

More information

The Intesa Sanpaolo Group s International Business. Vienna, 14 January 2008

The Intesa Sanpaolo Group s International Business. Vienna, 14 January 2008 The Intesa Sanpaolo Group s International Business Vienna, 4 January 2008 The history of Intesa Sanpaolo 998 2000 200 2002 2007 2 The Group at a glance Total Assets euro 576 bn Loans to Customers euro

More information

2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE. Salary and recruiting trends across Asia

2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE. Salary and recruiting trends across Asia 2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE Salary and recruiting trends across Asia SECTOR OVERVIEW CHINA Given the continued success of a variety of industries in China, and the overwhelming prosperity

More information

NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS

NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS Safeguarding financial wealth From natural resource to financial

More information

SunGard Best Practice Guide

SunGard Best Practice Guide SunGard Best Practice Guide What Number Should I Use? www.intercalleurope.com Information Hotline 0871 7000 170 +44 (0)1452 546742 conferencing@intercalleurope.com Reservations 0870 043 4167 +44 (0)1452

More information

MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE

MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE 2013 MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE Our profile We, Societe Generale Equipment Finance, are part of the French banking group Societe Generale and are a leading

More information

BANQUE FEDERATIVE DU CREDIT MUTUEL

BANQUE FEDERATIVE DU CREDIT MUTUEL BANQUE FEDERATIVE DU CREDIT MUTUEL ANNUAL FINANCIAL REPORT 2013 Banque Fédérative du Crédit Mutuel Société Anonyme (French Limited Company) with share capital of 1,329,256,700 Headquarters: 34, rue du

More information

A Global Rating Agency >

A Global Rating Agency > A Global Rating Agency > Who We Are > Fitch Ratings is committed to providing the world s credit markets with reliable, timely and prospective credit opinions. Built on a foundation of organic growth and

More information

Banking. Banque Fédérative du Crédit Mutuel Strasbourg, France. Credit Analysis. Moody s Global. Summary Rating Rationale.

Banking. Banque Fédérative du Crédit Mutuel Strasbourg, France. Credit Analysis. Moody s Global. Summary Rating Rationale. www.moodys.com Credit Analysis Moody s Global Banking August 2009 Table of Contents: Summary Rating Rationale 1 Group Structure 3 Crédit Mutuel Group 4 Business Activities 6 Distribution Capacity and Market

More information

An introduction to the Rothschild businesses

An introduction to the Rothschild businesses An introduction to the Rothschild businesses Introducing the Group The Rothschild Group is one of the world s largest independent financial advisory groups, employing approximately 2,800 people in 40 countries

More information

Seamless Corporate & Trust Services in China

Seamless Corporate & Trust Services in China Seamless Corporate & Trust Services in China About Vistra Group Ranked among the top four corporate service providers globally, Vistra Group is a versatile group of professionals, providing a uniquely

More information

2014 Account fees. individuals

2014 Account fees. individuals 2014 Account fees private individuals General information This document lists the fees on our main products and services, applicable as of January 1 st, 2014. Value dates : the value dates applicable to

More information

Cargo Sales & Service Presentation

Cargo Sales & Service Presentation Cargo Sales & Service Presentation Who is Air Logistics Group? Established in 1994 One of the world s leading cargo sales and service companies 55 offices spanning 32 countries and over 200 employees worldwide

More information

Guide. Axis Webinar. User guide

Guide. Axis Webinar. User guide Guide Axis Webinar User guide Table of contents 1. Introduction 3 2. Preparations 3 2.1 Joining the visual part 3 2.2 Joining the conference call 3 2.3 Providing feedback and asking questions during a

More information

BT Premium Event Call and Web Rate Card

BT Premium Event Call and Web Rate Card BT Managed Event and BT Self-Managed Event (also referred to as Express, Plus and Premium) Conference Bridge and Call for Booked Audio Conferencing Services will comprise the following for each phone-conference:

More information

The VAT & Invoicing Requirements Update March 2012

The VAT & Invoicing Requirements Update March 2012 The VAT & Invoicing Requirements Update March 2012 Indirect taxes are a massive potential expense. For buyers and sellers of goods and services, how invoices are prepared and processed can affect a company's

More information

DSV Air & Sea, Inc. Aerospace Sector. DSV Air & Sea, Inc. Aerospace

DSV Air & Sea, Inc. Aerospace Sector. DSV Air & Sea, Inc. Aerospace DSV Air & Sea, Inc. Aerospace Sector DSV Air & Sea, Inc. Aerospace Introduction to DSV DSV is a global supplier of transport and logistics services. We have offices in more than 70 countries and an international

More information

Industry Service Line 9 ABeam Consulting has developed a proprietary network utilizing the strengths of being Asia based. We provide service that fits the local conditions to clients in every region and

More information

Appendix 1: Full Country Rankings

Appendix 1: Full Country Rankings Appendix 1: Full Country Rankings Below please find the complete rankings of all 75 markets considered in the analysis. Rankings are broken into overall rankings and subsector rankings. Overall Renewable

More information

The worlwide leader of GSSAs

The worlwide leader of GSSAs The worlwide leader of GSSAs OUR NETWORK UNITED STATES ATLANTA CHICAGO LOS ANGELES WASHINGTON MIAMI NEW YORK DOMINICAN REPUBLIC SANTO DOMINGO FRENCH WEST INDIES FORT DE FRANCE POINTE-À-PITRE AUSTRIA VIENNA

More information

The face of consistent global performance

The face of consistent global performance Building safety & security global simplified accounts The face of consistent global performance Delivering enterprise-wide safety and security solutions. With more than 500 offices worldwide Johnson Controls

More information

Global business needs a global partner

Global business needs a global partner Global business needs a global partner Bespoke business banking on an international scale Corporate Banking The global business experts Riga Saint Petersburg Moscow London Amsterdam Minsk Warsaw Brussels

More information

World Consumer Income and Expenditure Patterns

World Consumer Income and Expenditure Patterns World Consumer Income and Expenditure Patterns 2014 14th edi tion Euromonitor International Ltd. 60-61 Britton Street, EC1M 5UX TableTypeID: 30010; ITtableID: 22914 Income Algeria Income Algeria Income

More information

Our Financial Services Regulatory practice

Our Financial Services Regulatory practice Our Financial Services Regulatory practice 2015 2 Our Financial Services Regulatory practice 2015 Allen & Overy LLP 2015 3 How we can assist you Ranked Tier 1 for Financial Services Regulatory: Non-contentious

More information

CaixaEmpresa. International Banking

CaixaEmpresa. International Banking International Banking Contents Eficacia, servicio y compromiso con el cliente Introduction International Branches Spanish Desks Representative Offices Strategic Bank Partners Correspondent Banks Introduction

More information

Seamless Corporate & Trust Services in China

Seamless Corporate & Trust Services in China Seamless Corporate & Trust in China About Vistra Group Ranked among the top four corporate service providers globally, Vistra Group is a versatile group of professionals, providing a uniquely broad range

More information

Verdict Financial: Wealth Management. Data Collection and Forecasting Methodologies

Verdict Financial: Wealth Management. Data Collection and Forecasting Methodologies Verdict Financial: Wealth Management Data Collection and Forecasting Methodologies April 2014 Contents Global Wealth Markets Methodology Methodology Methodology 2 Global Wealth Markets Section 1: Global

More information

LIST OF ISO 9001 CERTIFIED ENTITIES

LIST OF ISO 9001 CERTIFIED ENTITIES LIST OF ISO 9001 CERTIFIED ENTITIES Company Entity Country Area of activity Type of 1 Arius France Leasing with Services ISO 9001 Designe and provision of services related to the rental and management

More information

Our business: to protect you and your loved ones

Our business: to protect you and your loved ones predica Our business: to protect you and your loved ones predica, THE CRÉDIT AGRICOLE GROUP INSURANCE SUBSIDIARY, is now the 2 nd -biggest life insurer in France. This leading position has been built on

More information

Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets

Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets Global Insurance and Lending Market Data: Size, Segmentation and Forecast for Worldwide Markets Accident and health insurance commercial non-life insurance consumer lending life insurance and retirement

More information

Global Network Access International Access Rates

Global Network Access International Access Rates Global Network Access International Access Rates We know that you need to communicate with your partners, colleagues and customers around the world. We make every effort to understand the difficulties

More information

DATA CENTER PRISM Availability services secure your critical power & investment

DATA CENTER PRISM Availability services secure your critical power & investment DATA CENTER PRISM Availability services secure your critical power & investment Benefit from the support of an energy specialist in your data center Every data center is unique with its own power requirements

More information

Software Tax Characterization Helpdesk Quarterly April 2012

Software Tax Characterization Helpdesk Quarterly April 2012 Software Tax Characterization Helpdesk Quarterly April 2012 Characterizing foreign software revenues is a complex challenge for large and small software firms alike. Variations in the rules around the

More information

MALTA TRADING COMPANIES

MALTA TRADING COMPANIES MALTA TRADING COMPANIES Malta Trading Companies Maltese Registered Companies and Trading Operations in Malta Malta, an EU Member State since May 2004, has developed into a leading and reputable financial

More information

Introducing GlobalStar Travel Management

Introducing GlobalStar Travel Management Introducing GlobalStar Travel Management GlobalStar is a worldwide travel management company owned and managed by local entrepreneurs. In total over 80 market leading enterprises, representing over US$13

More information

Schedule of Accreditation issued by United Kingdom Accreditation Service 2 Pine Trees, Chertsey Lane, Staines-upon-Thames, TW18 3HR, UK

Schedule of Accreditation issued by United Kingdom Accreditation Service 2 Pine Trees, Chertsey Lane, Staines-upon-Thames, TW18 3HR, UK 2 Pine Trees, Chertsey Lane, Staines-upon-Thames, TW18 3HR, UK ISO/IEC 17021:2011 to provide quality management systems Palace House 3 Cathedral Street London SE1 9DE United Kingdom Contact: Mr D P Koek

More information

Supplemental Information Fourth-Quarter 2013 Earnings Call

Supplemental Information Fourth-Quarter 2013 Earnings Call Supplemental Information Fourth-Quarter 2013 Earnings Call Market & Financial Overview 2013 Q4 and FY Capital Markets & Leasing Markets Volumes 2013 Investment Volume Strength Continued Q4 2013 v. Q4 2012

More information

Hotel, Tourism and Leisure. Asia Pacific Quarterly Update Volume 3 Spotlight: Malaysia

Hotel, Tourism and Leisure. Asia Pacific Quarterly Update Volume 3 Spotlight: Malaysia Hotel, Tourism and Leisure Asia Pacific Quarterly Update Volume 3 Spotlight: Malaysia ASIA PACIFIC HOTEL REVIEW HOTEL OPENING BY COUNTRY HOTEL OPENINGS Total hotel openings by international hotel management

More information

Banque Fédérative du Crédit Mutuel. Crédit Mutuel-CIC Home Loan SFH

Banque Fédérative du Crédit Mutuel. Crédit Mutuel-CIC Home Loan SFH Banque Fédérative du Crédit Mutuel February 8th, 2013 Japan Post Bank www.bfcm.creditmutuel.fr Crédit Mutuel-CIC Home Loan SFH www.creditmutuelcic-sfh.com April 2013 Investor Presentation April 2013 1

More information

Global Effective Tax Rates

Global Effective Tax Rates www.pwc.com/us/nes Global s Global s April 14, 2011 This document has been prepared pursuant to an engagement between PwC and its Client. As to all other parties, it is for general information purposes

More information

2009 2010 Annual Report

2009 2010 Annual Report Annual Report 2010 2009 President s statement > 3 CIC ended 2010 with net income of 1,144 million. Building on the skills and know-how of its 21,000 employees attending to the needs of nearly 4.4 million

More information

Fully invested in your future. Graduate Opportunities at LaSalle

Fully invested in your future. Graduate Opportunities at LaSalle Fully invested in your future Graduate Opportunities at LaSalle 2016 At LaSalle, we believe our people are our biggest asset. The continued development and career progression of our employees is of the

More information

Deutsche Bank Global Transaction Banking. Securities Services. Overview

Deutsche Bank Global Transaction Banking. Securities Services. Overview Deutsche Bank Global Transaction Banking Direct Securities Services Securities Services Overview Finding the right custodian with a long-term commitment to supporting its clients business is critical for

More information

Easier credit drives positive real estate sentiment

Easier credit drives positive real estate sentiment Economics Q1 2015: Global Commercial Property Monitor Easier credit drives positive real estate sentiment Increasing number of respondents view real estate as expensive But easier credit still expected

More information

Focus on Crédit Agricole Leasing & Factoring

Focus on Crédit Agricole Leasing & Factoring Focus on Crédit Agricole & Crédit Agricole &, financing at the heart of the real economy, for our clients and our partners. Crédit Agricole &, at the heart of the real economy Formed with the alliance

More information

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 Global salary rises up compared to last year But workers in key emerging markets will experience real wage cuts Increase in

More information

MONDRAGON Global Services International Network

MONDRAGON Global Services International Network International Network Leading company in strategic consultancy on internationalisation. We are a company specialising in strategic and operational advice to SMEs embarking on internationalisation. We offer

More information

E-Seminar. Financial Management Internet Business Solution Seminar

E-Seminar. Financial Management Internet Business Solution Seminar E-Seminar Financial Management Internet Business Solution Seminar Financial Management Internet Business Solution Seminar 3 Welcome 4 Objectives 5 Financial Management 6 Financial Management Defined 7

More information

Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017

Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017 Brochure More information from http://www.researchandmarkets.com/reports/2547547/ Sulfuric Acid 2013 World Market Outlook and Forecast up to 2017 Description: Sulfuric Acid 2013 World Market Outlook and

More information

BFCM SA INVESTOR PRESENTATION

BFCM SA INVESTOR PRESENTATION SA INVESTOR PRESENTATION Credit update November 2010 www.bfcm.creditmutuel.fr Disclaimer 2 This presentation has been prepared by Banque Fédérative du Crédit Mutuel ("") solely for use in the roadshow

More information

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155 Mondelēz International HelpLine Numbers March 22, 2013 There are many ways to report a concern or suspected misconduct, including discussing it with your supervisor, your supervisor s supervisor, another

More information

National Counties Building Society. A guide to our Buy to Let Mortgage lending criteria

National Counties Building Society. A guide to our Buy to Let Mortgage lending criteria National Counties Building Society A guide to our Buy to Let Mortgage lending criteria Issued: 01 July 2016 A guide to our Buy to Let Mortgage lending criteria Introduction This document outlines a summary

More information

PREDICA Our business: to protect you and your loved ones

PREDICA Our business: to protect you and your loved ones PREDICA Our business: to protect you and your loved ones PREDICA, a CREDIT AGRICOLE ASSURANCES GROUP INSURANCE SUBSIDIARY, is now the nd-biggest life insurer in France. This leading position has been built

More information

How the Foreign Financial Institutions Play a Role in China s Insurance QDII Business

How the Foreign Financial Institutions Play a Role in China s Insurance QDII Business Llinks Asset Management Bulletin October 2012 How the Foreign Financial Institutions Play a Role in China s Insurance QDII Business By Sandra Lu and Lily Luo China Insurance Regulatory Commission ( CIRC

More information

Brochure More information from http://www.researchandmarkets.com/reports/3278449/

Brochure More information from http://www.researchandmarkets.com/reports/3278449/ Brochure More information from http://www.researchandmarkets.com/reports/3278449/ The 2016 World Forecasts of Hand-Operated Date, Sealing, or Numbering Stamps; Devices for Printing or Embossing Labels;

More information

CORPORATE CASH MANAGEMENT LUXEMBOURG

CORPORATE CASH MANAGEMENT LUXEMBOURG CORPORATE CASH MANAGEMENT LUXEMBOURG SOCIETE GENERALE, YOUR COMMERCIAL AND INVESTMENT BANK IN LUXEMBOURG Societe Generale is one of the largest European financial services groups. Based on a diversified

More information

Guide. Axis Webinar User Guide

Guide. Axis Webinar User Guide Guide Axis Webinar User Guide Introduction Joining an Axis Webinar is a quick and easy way to gain additional knowledge about more than just new products, and technology. These webinars allow attendees

More information

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal.

About us. As our customer you will be able to take advantage of the following benefits: One Provider. Flexible Billing. Our Portal. About us At RoamingExpert we specialise in mobile roaming tariffs which are tailored to the specific needs of the yachting industry. Our unique offering generates significant savings when compared to standard

More information

CLUB SURVEY 2015 BANKING ARGENTINA

CLUB SURVEY 2015 BANKING ARGENTINA CLUB SURVEY 2015 BANKING ARGENTINA BANKING CLUB SURVEY 2015 THE KEY TO DEVELOPING COMPETITIVE BANKING INDUSTRY-SPECIFIC COMPENSATION & BENEFITS PACKAGES With the objective of satisfying the needs of HR

More information

/ / WORLDWIDE HEADQUARTERS NORTH AMERICA W. R. Grace & Co. Conn. 62 Whittemore Avenue Cambridge, MA 02140-1692 USA Tel. 617-876-1400 Fax 617-498-2643 Grace supplies products to more than 120 countries

More information

Euler Hermes the world leader in credit insurance RISK ASSESSMENT CREDIT INSURANCE DEBT COLLECTION

Euler Hermes the world leader in credit insurance RISK ASSESSMENT CREDIT INSURANCE DEBT COLLECTION Euler Hermes the world leader in credit insurance RISK ASSESSMENT CREDIT INSURANCE DEBT COLLECTION Agenda 1 The Euler Hermes group 2 Our business 3 Our products and solutions 4 Our added value 2 The Euler

More information

Reporting practices for domestic and total debt securities

Reporting practices for domestic and total debt securities Last updated: 4 September 2015 Reporting practices for domestic and total debt securities While the BIS debt securities statistics are in principle harmonised with the recommendations in the Handbook on

More information

360 o View of. Global Immigration

360 o View of. Global Immigration 360 o View of Global Immigration In a fast moving global economy, remaining compliant with immigration laws, being informed and in control is more challenging than ever before. We are a globally linked

More information

Global payments trends: Challenges amid rebounding revenues

Global payments trends: Challenges amid rebounding revenues 34 McKinsey on Payments September 2013 Global payments trends: Challenges amid rebounding revenues Global payments revenue rebounded to $1.34 trillion in 2011, a steep increase from 2009 s $1.1 trillion.

More information

OCTOBER 2010. Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology

OCTOBER 2010. Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology OCTOBER 2010 Russell-Parametric Cross-Sectional Volatility (CrossVol ) Indexes Construction and Methodology SEPTEMBER 2010 Russell-Parametric Cross-Sectional Volatility (CrossVol) Indexes Construction

More information

Added value for your Investment. Financing solutions by MAN Finance.

Added value for your Investment. Financing solutions by MAN Finance. Added value for your Investment. Financing solutions by MAN Finance. You tell us where you want to go. We set your plans in motion. Page 02 Page 03 We finance more than a vehicle. We finance your vision.

More information

DISCOVERING TALENT ENABLING PROGRESS. Global recruitment solutions for Life Sciences

DISCOVERING TALENT ENABLING PROGRESS. Global recruitment solutions for Life Sciences DISCOVERING TALENT ENABLING PROGRESS Global recruitment solutions for Life Sciences INTRODUCTION Through our global network of local offices, we source candidates across every Life Sciences industry profession

More information

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country.

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country. Aon Hewitt Country Profiles Your eguide to employment requirements and practices Profiles for nearly 90 countries worldwide Risk. Reinsurance. Human Resources. Know the Facts Whether you are a newcomer

More information

LANDWELL. Solicitors. Life Sciences Unit

LANDWELL. Solicitors. Life Sciences Unit LANDWELL Solicitors Life Sciences Unit LANDWELL Solicitors Life Sciences Unit Our Practice Landwell Solicitors is a leading firm of business lawyers providing legal solutions to businesses in the Life

More information

Global Long-Term Incentives: Trends and Predictions Results from the 2013 iquantic Global Long-Term Incentive Practices Survey

Global Long-Term Incentives: Trends and Predictions Results from the 2013 iquantic Global Long-Term Incentive Practices Survey Global Long-Term Incentives: Trends and Predictions Results from the 2013 iquantic Global Long-Term Incentive Practices Survey Jon F. Doyle and Sandra Sussman October 8, 2013 Presenters Jon F. Doyle Attorney

More information

In Brief February 2015

In Brief February 2015 In Brief In Brief February 2015 Our primary responsibility is for the interests of our clients. As a matter of principle all partners are available to meet clients and do so regularly. 1 Message from

More information

Brochure More information from http://www.researchandmarkets.com/reports/1339929/

Brochure More information from http://www.researchandmarkets.com/reports/1339929/ Brochure More information from http://www.researchandmarkets.com/reports/1339929/ The 2011 World Forecasts of Machine Tools That Remove Material by Laser or Light, Photon, Ultrasonic, Electro-Discharge,

More information

Cisco Phone Systems Telemarketing Script Cold Call

Cisco Phone Systems Telemarketing Script Cold Call Cisco Phone Systems Telemarketing Script Cold Call 1. Locate Contact: Name listed Owner General Manager / Office Manager Chief BDM (Business Decision Maker) Note: Avoid talking to IT since this is not

More information

MANDATORY PROVIDENT FUND SCHEMES AUTHORITY

MANDATORY PROVIDENT FUND SCHEMES AUTHORITY Guidelines III.4 MANDATORY PROVIDENT FUND SCHEMES AUTHORITY III.4 Guidelines on Approved Exchanges INTRODUCTION Section 2 of the Mandatory Provident Fund Schemes (General) Regulation ( the Regulation )

More information

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50. Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***

More information

EMEA BENEFITS BENCHMARKING OFFERING

EMEA BENEFITS BENCHMARKING OFFERING EMEA BENEFITS BENCHMARKING OFFERING COVERED COUNTRIES SWEDEN FINLAND NORWAY ESTONIA R U S S I A DENMARK LITHUANIA LATVIA IRELAND PORTUGAL U. K. NETHERLANDS POLAND BELARUS GERMANY BELGIUM CZECH REP. UKRAINE

More information

PRESS RELEASE AXA RECORDS VERY STRONG FY07 TOP LINE GROWTH SUSTAINED ORGANIC GROWTH SUCCESSFUL INTEGRATION OF WINTERTHUR

PRESS RELEASE AXA RECORDS VERY STRONG FY07 TOP LINE GROWTH SUSTAINED ORGANIC GROWTH SUCCESSFUL INTEGRATION OF WINTERTHUR PRESS RELEASE January 31, 2008 AXA RECORDS VERY STRONG FY07 TOP LINE GROWTH SUSTAINED ORGANIC GROWTH SUCCESSFUL INTEGRATION OF WINTERTHUR LIFE & SAVINGS NEW BUSINESS VOLUME 1 UP 24% (UP 8% ON A COMPARABLE

More information

Software Tax Characterization Helpdesk Quarterly June 2008

Software Tax Characterization Helpdesk Quarterly June 2008 & McKenzie Software Tax Characterization Helpdesk Quarterly June 2008 Characterizing foreign software revenues is a complex challenge for large and small software firms alike. Variations in the rules around

More information

FTSE All-World ex Fossil Fuels Index Series

FTSE All-World ex Fossil Fuels Index Series FTSE FACTSHEET FTSE All-World ex Fossil Fuels Index Series Data as at: 31 August 2015 bmktitle1 Market participants are increasingly looking to manage carbon exposure in their investments, and reduce write-off

More information