Financial Services In Europe

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Financial Services In Europe"

Transcription

1 Financial Services In Europe

2 GE A Global Company Operations in over 100 countries Debt rated Triple-A since ,000 + employees worldwide Manufacturing facilities in 32 countries 2

3 Six GE Businesses Revenues of US$163bn and US$21bn in net income in 2006 GE Healthcare GE Industrial GE Commercial Finance GE Money GE Infrastructure NBC Universal Diagnostic Imaging Clinical Systems Information Technology Healthcare Services Bio Sciences Consumer & Industrial Equipment Services Security Sensing FANUC Inspection Technologies Corporate Financial Services Leasing (Capital Solutions) Real Estate Healthcare Financial Services Mortgages Cards Sales Finance Personal Loans Auto SME / Other Oil & Gas Energy Rail Aircraft Engines Water Energy Financial Services Aviation Financial Services Networks Stations Entertainment Universal Sports & Olympics $17bn revenue (1) $33bn revenue (1) $24bn revenue (1) $22bn revenue (1) $47bn revenue (1) $16bn revenue (1) Note (1): Excludes corporate items and eliminations of $4bn 3

4 GE Financial Services 4

5 GE Commercial Finance 5

6 GE Commercial Finance Offering an array of services and products aimed at enabling business worldwide to grow., GE Commercial Finance is the business-tobusiness finance unit of GE. As a pure global business-to-business lender and the largest source of net income for GE, Commercial Finance generates $5bn of net income, has $234bn of assets and employs 26,000 persons. Circa 25% of its operations are in Europe LEADERSHIP Michael A. Neal, Vice Chairman 6

7 GE Commercial Finance With deep industry expertise and lending, leasing and financing services of every kind, GE Commercial Finance plays a key role in helping its customers grow. Real Estate Capital Solutions 1MM+ Customers 30+ Countries Healthcare Financial Services Aviation Services & Transportation Corporate Financial Services Energy Financial Services 26,000+ Employees 9,000+ Originators Global Presence, Local Underwriting Expertise 7

8 Europe GE Commercial Finance Corporate Financial Services Strong presence in 17 countries Capital Solutions Real Estate Leadership position in products Local market knowledge 30,000+ customers 5,000+ employees Healthcare Financial Services 8

9 Corporate Financial Services - Europe 1,958 employees across 5 European countries $25.6 bn of assets Transaction Businesses $4.4bn Working Capital Solutions $6.5bn SME / Factoring $14.6bn (including Artesia acquisition) Building a dedicated Corporate Finance Business Acquisition and Buyout Financing ~$5.5bn Volume in 2006 Corporate Restructuring Corporate Loans Cash Flow Lending #1 in France & Germany Factofrance & Heller Focused on Non-Investment Grade Corporates Industry expertise leveraging GE 9

10 Capital Solutions - Europe Supplier > > > Manufacturer Dealer/Distributor End User Fleet Services Lease or Services Management for over 270,000 fleet vehicles $3,7BN of assets 1,300 employees in 11 countries European Equipment Finance Diversified equipment lessor $11BN of assets 1,500 employees in 14 countries Commercial Distribution Finance Provider of inventory finance solutions for dealers 170 employees in 11 countries Innovative Financial Solutions Across the Entire Supply Chain 10

11 Real Estate - Europe Collateral mix UK - Since 1986 Nordic - Since 1995 Assets $1.0Bn Empl. 88 Hotels 7% Other 10% Offices 66% Assets $2.0Bn Empl. 50 Retail 7% Germany - Since 1999 Industrial 9% Assets $0.3Bn Empl. 67 France - Since 1997 Assets $5.0Bn Empl. 151 Central Europe Since 1999 Net Earning Assets by Product Type Iberia - Since 1998 Assets $0.1Bn Empl. 7 Total Assets $9.0Bn SA $11.5Bn 460 people Assets $0.2Bn Empl. 37 Italy - Since 2002 Assets $0.1Bn Empl. 12 Fin. Leases 13% JVs 14% Loans 2% NPLs 1% RE Owned (100% equity) 69% As of Q

12 Healthcare Financial Services - Europe 106 employees across 15 European countries $1,111 MM of assets Equipment Finance $694 MM Corporate Finance $301 MM Real Estate $116 MM Building expertise in every sector of the healthcare industry Healthcare Equipment Financing (GE and Non GE) Real Estate Sale-Lease Back Vendor Program Cash Flow Lending Focused on Growth Industry expertise True healthcare vertical in GE 12

13 GE Money 13

14 GE Money A leading provider, under the GE Money brand, of credit services to consumers, retailers and auto dealers in countries around the world, offering financial products such as private label credit cards, personal loans, bank cards, auto loans and leases, mortgages, corporate travel and purchasing cards, debt consolidation and home equity loans and credit insurance. Providing the financial resources to make dreams come true by granting credit to more than 118 million customers in over 50 countries. Assets of $190bn LEADERSHIP David R. Nissen, CEO BUSINESS UNITS EMEA Asia Americas Australia/New Zealand 14

15 GE Money Product Lines Assets 06 Reach Personal Loans (18%) 16% Auto (22%) 11% 17% Sales Finance (14%) Cards (17%) Consumers ( 06) 118MM Assets $190bn % Assets Europe 47% 19% ATMs ( 06) 225K+ Commercial (3%) 5% 32% Mortgages (26%) Retail Outlets ( 06) 150K+ Branches ( 06) ~3,400 Large and Diverse Customer Base 15

16 GE Money EMEA 1 st Presence in 92 Ireland Portugal Spain UK Assets ($B) Belgium 19% CAGR Norway Sweden $89 Finland Denmark Poland Italy France $30 Latvia Russia DOMs Switzerland Turkey Romania Germany Austria Hungary Slovakia Czech New in Countries Net Income ~$1.6B 16

17 GE Industrial Equipment Services 17

18 GE Equipment Services Equipment Services is a global provider of transport solutions for the world s supply chains. Offering a full range of equipment leasing and intelligence-based asset management and logistics services for manufacturers, retailers and shippers, Equipment Services enables the timely movement of raw materials and cargo for the global economy A portfolio of businesses providing transportation and construction equipment. Worldwide assets of $19.1bn, over $3.3bn of which are in Europe LEADERSHIP Deborah Reif, CEO BUSINESS UNITS TIP Modular Space Intermodal Penske Rail Plant Hire Vehicle Rentals 18

19 GE Equipment Services - Europe A portfolio of businesses providing transportation and construction equipment with a pan-european focus TIP Commercial trailers provided and managed through a variety of lease/hire arrangements Modular Space Mobile and modular buildings Customers in construction, education and other sectors Plant Hire Rental of construction plant and equipment Rail Services TLS Rental and leasing of multiple categories of rail freight cars Short term commercial van rental 19

GE: Positioned for Growth*

GE: Positioned for Growth* GE Capital GE: Positioned for Growth* GE Energy Infra $37.5B GE Tech Infra $37.9B GE Capital $47.0B Energy Healthcare $16.9B Oil & Gas Aviation $17.6B Home & Business Solutions, Media $25.5B Power & Water

More information

General Electric Company

General Electric Company General Electric Company Financial Services - Overview/Strategy "This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking

More information

General Electric Company

General Electric Company General Electric Company Financial Services - Overview/Strategy "This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking

More information

GE Money Eastern European Growth

GE Money Eastern European Growth GE Money Eastern European Growth Dmitri Stockton President & CEO GE Money Central & Eastern Europe 1 / Calhoun What we do in GE Money... Retail Lending Products Multiple Distribution Broad Range of Customers

More information

World Solution Provider

World Solution Provider GE Consumer & Industrial World Solution Provider GE imagination at work GE Six businesses aligned with our customers needs, acting as one company. Harnessing the imaginations of more than 300,000 people

More information

Named to lead the four financial businesses are

Named to lead the four financial businesses are GE Capital Re-organization ( full press release ) GE Chairman and CEO Jeff Immelt announced organization changes that will result in GE Capital, the Company's diversified financial services business, becoming

More information

Focus on fleet customers SAF-HOLLAND 1st half-year results 2014

Focus on fleet customers SAF-HOLLAND 1st half-year results 2014 Focus on fleet customers SAF-HOLLAND 1st half-year results 214 Detlef Borghardt, CEO Wilfried Trepels, CFO August 7, 214 Executive Summary 1 Increase in group sales by 1.7% to 482.mn (previous year: 435.6)

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

INVESTOR PRESENTATION. SEPTEMBER 2014 elementcorp.com

INVESTOR PRESENTATION. SEPTEMBER 2014 elementcorp.com INVESTOR PRESENTATION SEPTEMBER 2014 Certain information in this presentation is forward looking and related to anticipated financial performance, events and strategies. When used in this context, words

More information

CNP Assurances signs a longterm strategic partnership in insurance in Europe with Banco Santander. 10 th July 2014

CNP Assurances signs a longterm strategic partnership in insurance in Europe with Banco Santander. 10 th July 2014 CNP Assurances signs a longterm strategic partnership in insurance in Europe with Banco Santander 0 th July 04 Disclaimer «Some of the statements contained in this document may be forward-looking statements

More information

Accident Management Reducing cost, time and worry

Accident Management Reducing cost, time and worry Accident Management Reducing cost, time and worry Accident Management 02 Reducing cost, time and worry Accident management is an integral part of ALD s DriveSafe risk management programme. Operated in

More information

Magda Salarich Head of Santander Consumer Finance

Magda Salarich Head of Santander Consumer Finance Magda Salarich Head of Santander Consumer Finance Santander Consumer Finance S.A. ( Santander Consumer Finance ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking

More information

Lender Perspectives on Credit Reporting WCCR 2008 - Rio SOCIETE GENERALE CONSUMER FINANCE: A FAST GROWING CHALLENGER. Jean-Yves Bruna CEO of SGCF

Lender Perspectives on Credit Reporting WCCR 2008 - Rio SOCIETE GENERALE CONSUMER FINANCE: A FAST GROWING CHALLENGER. Jean-Yves Bruna CEO of SGCF SOCIETE GENERALE CONSUMER FINANCE: A FAST GROWING CHALLENGER Jean-Yves Bruna CEO of SGCF 2 POSITION IN THE GROUP SOCIETE GENERALE Group DSFS BDDF Crédit Du Nord BHFM SG-CIB GIMS Specialized Financial Services

More information

Paul Bossidy. A New Commercial Finance Business. Capital Solutions. President & CEO GE Capital Solutions 1 / GE /

Paul Bossidy. A New Commercial Finance Business. Capital Solutions. President & CEO GE Capital Solutions 1 / GE / Paul Bossidy President & CEO GE Capital Solutions GE Capital Solutions Capital Solutions A New Commercial Finance Business 1 / New organization one blockbuster business aligned for growth Commercial Equipment

More information

Volkswagen Financial Services AG

Volkswagen Financial Services AG Volkswagen Financial Services AG Klaus-Dieter Schürmann Member of the Board of Management Morgan Stanley 7 th Annual European Automotive Conference 29 June 2004 2 Volkswagen Financial Services AG Introduction

More information

IMMIGRATION TO CANADA

IMMIGRATION TO CANADA NOTE: IMMIGRATION TO CANADA 1928-1971 RANK COUNTRY OF ORIGIN TOTALS 1 United Kingdom * 1152415 2 United States of America 527346 3 Italy 471940 4 Germany 370641 5 Netherlands 185664 6 Poland 117244 7 Greece

More information

GE Grid Solutions. Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015. Imagination at work.

GE Grid Solutions. Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015. Imagination at work. GE Grid Solutions Providing solutions that keep the world energized Press Conference Call Presentation November 12, 2015 Press Conference Call Recording: Toll Free: +1 (855) 859-2056 Toll: +1 (404) 537-3406

More information

GE Capital, Corporate Finance

GE Capital, Corporate Finance GE Capital, Corporate Finance Tom Quindlen Vertical Research Partners Industrial Conference September 9, 2013 Caution Concerning Forward-Looking Statements: This document contains forward-looking statements

More information

European Portfolio Advisory Group Market update

European Portfolio Advisory Group Market update European Portfolio Advisory Group Market update October 2013 Click to launch 2 Publication Issue European NPL outlook and transactions in key markets Richard Thompson Chairman, European Portfolio Advisory

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

Market analysis on Factoring in EU 25+2

Market analysis on Factoring in EU 25+2 EIF Project "Jeremie" General Report on Factoring 1 Market analysis on Factoring in EU 25+2 prepared by International Factors Group (IFG) for European Investment Fund (EIF) project JEREMIE Preliminary

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Masters level

More information

Our people make the difference

Our people make the difference Transcom WorldWide S.A. Our people make the difference Investor Presentation Q1 2006 1 Company Overview Transcom is Europe s largest CRM operator by geographic footprint Fast growing Customer Relationship

More information

NPS and Lean Six Sigma Driving Growth in. Consumer Finance. Consumer Finance. Mark Begor July 26, 2006

NPS and Lean Six Sigma Driving Growth in. Consumer Finance. Consumer Finance. Mark Begor July 26, 2006 GE Consumer Finance NPS and Lean Six Sigma Driving Growth in Consumer Finance Mark Begor July 26, 2006 This document contains "forward-looking statements" - that is, statements related to future, not past,

More information

Santander Consumer Finance. February 2015

Santander Consumer Finance. February 2015 Santander Consumer Finance February 2015 1 Banco Santander S.A. and Santander Consumer Finance advise that this presentation contains representations regarding forecasts and estimates. Said forecasts and

More information

Trends in the European Investment Fund Industry. in the Second Quarter of 2014. Results for the first half of 2014

Trends in the European Investment Fund Industry. in the Second Quarter of 2014. Results for the first half of 2014 Quarterly Statistical Release September 2014, N 58 This release and other statistical releases are available on efama s website (www.efama.org) Trends in the European Investment Fund Industry in the Second

More information

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments January 20, 2015 ShadEcEurope31_January2015.doc Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments by Friedrich Schneider *)

More information

IAB Europe AdEx Benchmark 2014. Daniel Knapp, IHS Eleni Marouli, IHS

IAB Europe AdEx Benchmark 2014. Daniel Knapp, IHS Eleni Marouli, IHS IAB Europe AdEx Benchmark 2014 Daniel Knapp, IHS Eleni Marouli, IHS About the study A meta analysis of online ad spend in Europe GROSS NET RATECARD Revenue Billed Revenue Billed No Agency commissions Campaigns

More information

GE Capital. Second quarter 2012 supplement

GE Capital. Second quarter 2012 supplement GE Capital Second quarter supplement Results are unaudited. This document contains forward-looking statements that is, statements related to future, not past, events. In this context, forward-looking statements

More information

Zalando - Europe's market leader in fashion ecommerce. April 2013

Zalando - Europe's market leader in fashion ecommerce. April 2013 Zalando - Europe's market leader in fashion ecommerce April 2013 Zalando is driving a mega trend, bringing fashion ecommerce to Europe Mega trend: Online fashion is the second wave of ecommerce, following

More information

WORLD BANK. SME Financing and the SME ABS Market in Europe

WORLD BANK. SME Financing and the SME ABS Market in Europe WORLD BANK SME Financing and the SME ABS Market in Europe Michel Noel Lead Financial Sector Specialist Finance and Private Sector Development, Europe & Central Asia AGENDA SME Financing in Europe Asset-Backed

More information

Your Multimodal Partner. IBS, the 08/10/10

Your Multimodal Partner. IBS, the 08/10/10 GEFCO Your Multimodal Partner IBS, the 08/10/10 Summary 1. GEFCO some figures 2. GEFCO strategy and Know-how 3. GEFCO concept 4. GEFCO multimodal corridors 1. GEFCO some figures GEFCO key figures One of

More information

Interim report April-June 2003

Interim report April-June 2003 Interim report April-June 2003 Pre-tax profit for the second quarter amounted to SEK -34m, which is a SEK 30m improvement compared to last year (SEK -64m). Software revenue grew by 5% during the second

More information

GE Capital. University of Rochester. March 30, 2012

GE Capital. University of Rochester. March 30, 2012 GE Capital University of Rochester March 30, 2012 GE s portfolio and financials 2011 revenue $147B 55% revenues in Non-US growth markets -a) Energy Infrastructure Aviation Healthcare Transportation GE

More information

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Highlights of 1st Edition Cascais 15 October 2015 118 companies participated to the first Eurofinas - Roland Berger Survey - representing

More information

TOYOTA I_SITE More than fleet management

TOYOTA I_SITE More than fleet management EMPOWERING YOUR BUSINESS TOYOTA I_SITE More than fleet management www.toyota-forklifts.eu TOYOTA I_SITE More than fleet management Toyota I_Site is a unique combination of technology, information, expertise

More information

The Shifting World of Debt Collection Eurofinas Session Introduction by BenchMark Consulting International

The Shifting World of Debt Collection Eurofinas Session Introduction by BenchMark Consulting International The Shifting World of Debt Collection Eurofinas Session Introduction by BenchMark Consulting International October 2014 Consulting for Financial Services with Industry Experts Projects in 40 countries

More information

Pendulum Business Loan Brokers L.L.C. U.S. State Market Area

Pendulum Business Loan Brokers L.L.C. U.S. State Market Area Pendulum Business Loan Brokers L.L.C. U.S. State Market Area Mission Statement Hiram R. Davis, the founder of Sweetwater Pipeline Company, has developed a Business Model to for our Merger & Acquisition

More information

SMEs access to finance survey 2014

SMEs access to finance survey 2014 EUROPEAN COMMISSION MEMO Brussels, 12 November 2014 SMEs access to finance survey 2014 This memo outlines the results of a survey undertaken by the European Commission to provide policy makers with evidence

More information

ITAB Shop Concept. Acquisition of La Fortezza 07/08/2016

ITAB Shop Concept. Acquisition of La Fortezza 07/08/2016 ITAB Shop Concept Acquisition of La Fortezza 07/08/2016 "The acquisition is in line with our strategy of offering a total concept for the retail trade in Europe. The acquisition further strengthens our

More information

RC GROUP. Corporate Overview

RC GROUP. Corporate Overview RC GROUP Corporate Overview VISION & MISSION We, at RC Group aim to become the preferred Partner for Innovative, Customer driven, Value adding IT based business solutions and services in local and international

More information

Product distribution is a crucial phase for every company and has to be manage simply, quickly, allowing the timely traceability of their cargos.

Product distribution is a crucial phase for every company and has to be manage simply, quickly, allowing the timely traceability of their cargos. ABOUT US Il GIO.MAT is a leading transport company, based both in Treviso and Vicenza, providing national and international LTL (less than truckload) and direct FTL full truckload services, in line with

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS Ref. Ares(2015)660570-17/02/2015 ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students

More information

An Introduction to FleetCor Technologies

An Introduction to FleetCor Technologies An Introduction to FleetCor Technologies A Leading Global Provider of Fleet Cards and Specialty Payments to Businesses March 2012 Safe Harbor Provision This presentation contains statements that express

More information

Volkswagen Financial Services

Volkswagen Financial Services Volkswagen International Investor Conference Teach in: 10 March 2004 Dr Jens Neumann Mr Hans Dieter Pötsch Members of Group Board of Management Page 1 Volkswagen worldwide North American Region Mexico

More information

ATOSS Software AG Excellence in Workforce Management Presentation January 30, 2015. 1 Christof Leiber, Member of the Board, ATOSS Software AG

ATOSS Software AG Excellence in Workforce Management Presentation January 30, 2015. 1 Christof Leiber, Member of the Board, ATOSS Software AG ATOSS Software AG Excellence in Workforce Management Presentation January 30, 2015 1 Christof Leiber, Member of the Board, ATOSS Software AG 01 Business model and developments 2006 2014 02 ATOSS growth

More information

ATOSS Software AG Excellence in Workforce Management. 1 Christof Leiber, Member of the Board, ATOSS Software AG

ATOSS Software AG Excellence in Workforce Management. 1 Christof Leiber, Member of the Board, ATOSS Software AG ATOSS Software AG Excellence in Workforce Management 1 Christof Leiber, Member of the Board, ATOSS Software AG 01 Business model and developments 2006 2014 and first half of 2015 02 ATOSS growth strategy

More information

European Fitness Market in 2014 50.1 million. members. 48,000 facilices. billion euro revenues. 400,000 employees

European Fitness Market in 2014 50.1 million. members. 48,000 facilices. billion euro revenues. 400,000 employees EUROPEACTIVE European Fitness Market in 2014 50.1 million members 48,000 facilices 26.8 billion euro revenues 400,000 employees The European Health & Fitness Market Report 2015 The European fitness market

More information

Fleet Logistics and TÜV SÜD in strategic partnership

Fleet Logistics and TÜV SÜD in strategic partnership Press release Fleet Logistics and TÜV SÜD in strategic partnership to create major international fleet business Leading pan European fleet management specialist, Fleet Logistics, has announced a strategic

More information

SERVICE SOLUTIONS Our commitment is your peace of mind

SERVICE SOLUTIONS Our commitment is your peace of mind EMPOWERING YOUR BUSINESS SERVICE SOLUTIONS Our commitment is your peace of mind www.toyota-forklifts.eu SERVICE SOLUTIONS Our commitment is your peace of mind As you would expect of the world leader in

More information

Equipment Finance. Roy W. Keller, Jr. President

Equipment Finance. Roy W. Keller, Jr. President Equipment Finance Roy W. Keller, Jr. President Overview Key Statistics Headquarters: Employees: 770 Market Presence: Tempe, AZ Industry leader in dealer/manufacturer programs in the U.S. Leader in both

More information

The relevance of the AGTC Agreement and the increasing importance of Logistics

The relevance of the AGTC Agreement and the increasing importance of Logistics The relevance of the AGTC Agreement and the increasing importance of Logistics Constantinos Chr. Alexopoulos Regional Advisor Economic Commission for Europe Transport Division Kiev, 18 December 2007 The

More information

The EU Enlargement: Impact on Banking Integration Process. Alessandro Profumo CEO of UniCredit

The EU Enlargement: Impact on Banking Integration Process. Alessandro Profumo CEO of UniCredit The EU Enlargement: Impact on Banking Integration Process Alessandro Profumo CEO of UniCredit Cologne, November 6, 2006 Agenda The European Enlargement Process The Role of Banking Systems in the EU UniCredit

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

THE PROXBOOK REPORT THE STATE OF THE PROXIMITY INDUSTRY Q2 2015. All information in this report belongs tounacast AS

THE PROXBOOK REPORT THE STATE OF THE PROXIMITY INDUSTRY Q2 2015. All information in this report belongs tounacast AS THE PROXBOOK REPORT THE STATE OF THE PROXIMITY INDUSTRY Q2 2015. All information in this report belongs tounacast AS TABLE OF CONTENTS Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page

More information

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4

1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4 Bankruptcy Systems and In-court Reorganisation of Firms, 2010 Content: 1. Perception of the Bancruptcy System... 2 2. Perception of In-court Reorganisation... 4 3. Perception of Creditor Committees, Fast

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

October 2015 Imagination at work.

October 2015 Imagination at work. Grid Software Solutions Providing Solutions that Modernize the Grid October 2015 Imagination at work. 200 Over years combined experience in providing advanced energy solutions Grid Solutions Grid Solutions,

More information

First Quarter 2008. Press Conference, April 25, 2008

First Quarter 2008. Press Conference, April 25, 2008 First Quarter 2008 Press Conference, April 25, 2008 Group Highlights 2 First Quarter Business environment Europe slower growth North America weak and Japan pre-buy Strong development in Asia and other

More information

SERVICE LEVEL AGREEMENT! CONFIRMATION

SERVICE LEVEL AGREEMENT! CONFIRMATION SERVICE LEVEL AGREEMENT CONFIRMATION BRINGING ENTERPRISE TO SMB RELIABILITY & LOWERING THE TCO What we built Qsan s unique character on, starts from the approach. We had a dream of bringing an enterprise

More information

AUTOMOTIVE FINANCE AND LEASING FOR CONSUMERS IN POLAND PERSPECTIVE OF DEVELOPMENT

AUTOMOTIVE FINANCE AND LEASING FOR CONSUMERS IN POLAND PERSPECTIVE OF DEVELOPMENT AUTOMOTIVE FINANCE AND LEASING FOR CONSUMERS IN POLAND PERSPECTIVE OF DEVELOPMENT Author: Dominik Fijałkowski Sales Director - Head of Consumer Lease Project Raiffeisen-Leasing Polska S.A. dominik.fijalkowski@raiffeisen.pl

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

Global Marine Insurance Report 2008

Global Marine Insurance Report 2008 Global Marine Insurance Report 28 Astrid Seltmann Facts & Figures Committee Analyst/Actuary, CEFOR, Norway Report on marine insurance premiums 26 and 27 By end of August 28, 49 of 54 members (ex 45 of

More information

Far more than finance

Far more than finance Far more than finance Do you want to expand your business? Increase your sales? Do you have any investment projects? Together, we can quicken the pace of your development... If you are a manufacturer or

More information

Finance Industry. Integrated Software Solutions

Finance Industry. Integrated Software Solutions Finance Industry Integrated Software Solutions Cologne Vienna Zurich Deep industry knowledge meets highly standardized software NAVAX offers a wide range of software solutions for the financial industry

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

WHITE PAPER SIX ESSENTIAL CONSIDERATIONS WHEN CHOOSING A FIELD SERVICE SOFTWARE SOLUTION

WHITE PAPER SIX ESSENTIAL CONSIDERATIONS WHEN CHOOSING A FIELD SERVICE SOFTWARE SOLUTION WHITE PAPER SIX ESSENTIAL CONSIDERATIONS WHEN CHOOSING A FIELD SERVICE SOFTWARE SOLUTION CONTENT DESIGNED AND DEVELOPED SPECIFICALLY FOR FIELD SERVICE... 3 FULLY INTEGRATED FIELD SERVICE FUNCTIONALITY...

More information

ERASMUS+ MASTER LOANS

ERASMUS+ MASTER LOANS ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Master's-level

More information

Overview of AAA Auto Group N.V. AAA Auto Group N.V.

Overview of AAA Auto Group N.V. AAA Auto Group N.V. Overview of AAA Auto Group N.V. AAA Auto Group N.V. Privately owned company based in the Netherlands. We operate a network of used car centres throughout the Czech Republic, Slovakia, Russia and Hungary.

More information

Offshore outsourcing of business services Threat or Opportunity

Offshore outsourcing of business services Threat or Opportunity Siemens Business Services Offshore outsourcing of business services Threat or Opportunity Presentation by Elie Cohen Chief Executive Officer Siemens Business Services France Agenda for the next 20 minutes

More information

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR.

Genuine BMW Accessories. The Ultimate Driving Machine. BMW Trackstar. tracked. recovered. BMW TRACKSTAR. Genuine BMW Accessories BMW Trackstar The Ultimate Driving Machine stolen. tracked. recovered. BMW TRACKSTAR. stolen vehicle TRACKING SYSTEM. stolen. tracked. recovered. BMW Trackstar Stolen Vehicle Recovery

More information

UBS Global Financials Conference

UBS Global Financials Conference UBS Global Financials Conference George Culmer, Group CFO Simon Lee, CEO International 11 May 21 AGENDA Overview George Culmer, CFO UK International Simon Lee, CEO International Emerging Markets Wrap up

More information

The powerful link in your value chain

The powerful link in your value chain The powerful link in your value chain 21 3 AT A GLANCE Welcome to the World of Hygiene 4 CUSTOMER STATEMENT 6 PHILOSOPHY AND AIMS 10 PRODUCT RANGE 12 SERVICES 14 CLOSE TO YOU 16 GLOBAL SOURCING 18 GET

More information

Volkswagen Financial Services AG

Volkswagen Financial Services AG Volkswagen Financial Services AG 2 nd Asia-Pacific Fixed Income Investor Conference Hongkong January, 2005 Representatives 2 Volkswagen Financial Services AG Helge Knut Hiller, Head of Corporate Communications

More information

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th Profit earner or cost driver? A combined view of retail banking and payments Bertrand Lavayssière Frankfurt, May 25th Payments are crucial for Retail Banking Retail banking revenues are rather stable and

More information

Investment and Investment Finance in Croatia, how can the EIB contribute? Dario Scannapieco and Debora Revoltella European Investment Bank

Investment and Investment Finance in Croatia, how can the EIB contribute? Dario Scannapieco and Debora Revoltella European Investment Bank Investment and Investment Finance in Croatia, how can the EIB contribute? Dario Scannapieco and Debora Revoltella European Investment Bank 24 March 2014 Outline EU and Croatia key challenges The Investment

More information

2014 EU-wide Stress Test

2014 EU-wide Stress Test 2014 EU-wide Stress Test Bank Name LEI Code DK - Sydbank GP5DT10VX1QRQUKVBK64 DK NUK_WL_NR_XX version 1809014 No restructuring 2014 EU-wide Stress Test 2014 EU-wide Stress Test Summary Adverse Scenario

More information

How to get your invoice paid on time?

How to get your invoice paid on time? How to get your invoice paid on time? Truth is we want the same thing you do to process your invoices smoothly and pay on time. Moving to OB10 e-invoicing platform enhances our capabilities to reach this

More information

INDUSTRIAL AND LOGISTICS RENTS MAP

INDUSTRIAL AND LOGISTICS RENTS MAP INDUSTRIAL AND LOGISTICS RENTS MAP BENELUX BELGIUM, THE NETHERLANDS AND LUXEMBOURG Colliers International is the leader in global real estate services defined by our spirit of enterprise. Through a culture

More information

Cash machine withdrawal in the EU (+Norway and Iceland)

Cash machine withdrawal in the EU (+Norway and Iceland) Cash machine withdrawal in the EU (+Norway and Iceland) Country Is it free of charge to go to a cash machine from a different bank than consumers own to withdraw money? If withdrawal is not free of charge,

More information

4finance investor presentation for 3 month 2016 results. 2 June, 2016

4finance investor presentation for 3 month 2016 results. 2 June, 2016 4finance investor presentation for 3 month 2016 results 2 June, 2016 0 meur meur Highlights of First Quarter 2016 Solid results delivered Revenue up 30% to EUR 90.3 million Regulatory changes implemented

More information

INVITATION EXCLUSIVE INTRODUCTION

INVITATION EXCLUSIVE INTRODUCTION INVITATION EXCLUSIVE INTRODUCTION eurobrandforum 21 January 2014, Bucharest Austrian Embassy Romania Commercial Section Speaker KommR DI Dr. Gerhard Hrebicek, MBA President European Brand Institute Mag.

More information

Significant reduction in net loss

Significant reduction in net loss press release 12 May 2015 Royal Imtech publishes first quarter 2015 results Significant reduction in net loss Order intake in Q1 at a satisfactorily level of 912 million Revenue 3% down excluding Germany

More information

Acquisition of AAE VTG AG Growing together

Acquisition of AAE VTG AG Growing together Acquisition of AAE VTG AG Growing together Dr. Heiko Fischer, CEO Dr. Kai Kleeberg, CFO Conference Call on September 30, 2014 Acquisition of AAE Table of content 1 Acquisition of AAE - Highlights 2 Facts

More information

The Hart report: The Economics of aeuropean Hydrogen Infrastructure for Automotive

The Hart report: The Economics of aeuropean Hydrogen Infrastructure for Automotive MEDIA BACKGROUNDER The Hart report: The Economics of aeuropean Hydrogen Infrastructure for Automotive Introduction In 24, Linde commissioned David Hart, of e4tech, Switzerland to assess the costs of a

More information

Commercial Non-Life Insurance Brokers in Europe

Commercial Non-Life Insurance Brokers in Europe Commercial Non-Life Insurance Brokers in Europe Report Prospectus August 2014 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is the research? What methodology has been

More information

Magda Salarich. Santander Consumer Finance

Magda Salarich. Santander Consumer Finance Magda Salarich Santander Consumer Finance Disclaimer Santander Consumer Finance, S.A. ( SCF ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking statements.

More information

Выровнять кривую картинку. Bring on tomorrow. Bring on tomorrow

Выровнять кривую картинку. Bring on tomorrow. Bring on tomorrow AIG Russia 2015 1 Выровнять кривую картинку Bring on tomorrow Bring on tomorrow 2 AIG Inc: Key Facts and Figures Ratings А+ S&P А1 Moody s A Best, Fitch 95+ years experience 100 + countries 93% clients

More information

Projected Population of Scotland (2008-based) Figures

Projected Population of Scotland (2008-based) Figures Projected Population of Scotland (2008-based) Figures Contents Figure 1 Estimated population of Scotland, actual and projected, 1951-2083 Figure 2 Births and deaths, actual and projected, Scotland, 1951-2033

More information

Canada GO 2535 TM World Traveller's edition Maps of North America (Canada, US, Mexico), Western and Central Europe (including Russia) CAD 349,95

Canada GO 2535 TM World Traveller's edition Maps of North America (Canada, US, Mexico), Western and Central Europe (including Russia) CAD 349,95 Local products may have different maps, prices and products available. Please see below list for local information, prices in local currency and availability of services. An European device will have working

More information

Pepper Group Announces Acquisition of Oakwood Loan Servicing & Asset Management Platform

Pepper Group Announces Acquisition of Oakwood Loan Servicing & Asset Management Platform Press Release Wednesday, 11 September 2013 London, England Pepper Group Announces Acquisition of Oakwood Loan Servicing & Asset Management Platform Australian specialist financial services group, Pepper

More information

CENTRAL BANK OF CYPRUS

CENTRAL BANK OF CYPRUS APPENDIX 2 NOTIFICATION BY A BANK INCORPORATED IN CYPRUS, WHICH WISHES TO PROVIDE SERVICES, ON A CROSS BORDER BASIS, IN OTHER EUROPEAN UNION (E.U.) MEMBER STATES IN ACCORDANCE WITH ARTICLE (28) OF THE

More information

GOŚĆ SPECJALNY. Ann Swain CEO APSCo (Association of Professional Staffing Companies) KAPITALIZACJA ŚWIATOWYCH TRENDÓW W REKRUTACJI

GOŚĆ SPECJALNY. Ann Swain CEO APSCo (Association of Professional Staffing Companies) KAPITALIZACJA ŚWIATOWYCH TRENDÓW W REKRUTACJI GOŚĆ SPECJALNY Ann Swain CEO APSCo (Association of Professional Staffing Companies) KAPITALIZACJA ŚWIATOWYCH TRENDÓW W REKRUTACJI Capitalising On The Global Trends For Recruitment Ann Swain, CEO, APSCo

More information

Bridgestone Europe HR Transformation. Martha C. White, Vice President, Human Resouces & CSR Bridgestone EMEA 9 September, 2015

Bridgestone Europe HR Transformation. Martha C. White, Vice President, Human Resouces & CSR Bridgestone EMEA 9 September, 2015 Bridgestone Europe HR Transformation Martha C. White, Vice President, Human Resouces & CSR Bridgestone EMEA 9 September, 2015 Agenda Introductions Personal Introduction Bridgstone Europe: Who we are and

More information

The Use of Leasing Amongst European SMEs Executive Summary November 2011 A report prepared for Leaseurope

The Use of Leasing Amongst European SMEs Executive Summary November 2011 A report prepared for Leaseurope The Use of Leasing Amongst European SMEs Executive Summary A report prepared for Leaseurope With the support of Executive Summary This report, written by Oxford Economics for Leaseurope, the federation

More information

INTERNATIONAL TRACKED POSTAGE SERVICE

INTERNATIONAL TRACKED POSTAGE SERVICE INTERNATIONAL TRACKED POSTAGE SERVICE Index Expanding Internationally...03 The Post NL Service...04 How it works... 05 Post NL Rates...06 Transit times...07 Customer Service...08 Expanding Internationally

More information

NEW PASSENGER CAR REGISTRATIONS BY ALTERNATIVE FUEL TYPE IN THE EUROPEAN UNION 1 Quarter 4 2015

NEW PASSENGER CAR REGISTRATIONS BY ALTERNATIVE FUEL TYPE IN THE EUROPEAN UNION 1 Quarter 4 2015 NEW PASSENGER CAR REGISTRATIONS BY ALTERNATIVE FUEL TYPE IN THE Quarter 4 2015 Alternative fuel vehicle (AFV) registrations: +20.0% in 2015; +21.1% in Q4 In the fourth quarter of 2015, total alternative

More information

Electricity, Gas and Water: The European Market Report 2014

Electricity, Gas and Water: The European Market Report 2014 Brochure More information from http://www.researchandmarkets.com/reports/2876228/ Electricity, Gas and Water: The European Market Report 2014 Description: The combined European annual demand for electricity,

More information

VAT Refunds Irrecoverable Tax A Country by Country Detailed Guide

VAT Refunds Irrecoverable Tax A Country by Country Detailed Guide VAT Refunds Irrecoverable Tax A Country by Country Detailed Guide EC VAT refunds Irrecoverable Tax VAT incurred in other EC Member States may be recovered in certain circumstances. However, some claims

More information

Arshil Jamal President and Chief Operating Officer Canada Life Capital Corporation

Arshil Jamal President and Chief Operating Officer Canada Life Capital Corporation Scotia Capital Financials Summit September 8, 2011 Arshil Jamal President and Chief Operating Officer Canada Life Capital Corporation Cautionary Note regarding Forward-looking Information This report contains

More information