The Shifting World of Debt Collection Eurofinas Session Introduction by BenchMark Consulting International
|
|
- Cecil Simpson
- 8 years ago
- Views:
Transcription
1 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 around the globe More information at Helping our clients across the globe become more successful for over 20 years Peter Jobst, Global Managing Director Europe Phone ++49 (172) US Phone Ian Dewsnap, Director European Operations Telephone ++44 (7501)
2 BenchMark Consulting: Expert Consultancy for the Lending Industry Business Experts: Coverage of the strategic, operational and finance view of the business down to desk level. International Focus: Projects delivered for 40 countries worldwide. Client base consists of many well-known leading global lenders. Product Experts: Retail, Wholesale, Fleet Finance, Fleet Management; Loan, Finance Lease, Operational Lease, Credit Lines / Revolving, Services; unsecured asset-based etc. Proprietary Toolkit: Extensive proprietary shelf material for lending, e.g. knowledgebase about industry practices and performances, process maps, business requirements, rfp templates, etc Process Experts: Coverage of the end-to-end process chain from point-of-sale until contract end including debt management. Stability: In business for over 25 years. Strong shareholder background as fully owned subsidiary of Fidelity Information Services ( Consultant Seniority and Experience: All our people are senior experts in our clients segment; minimum 20 years. Company Experience: Projects at > 200 organizations at over 500 operational sites. We are hired by our clients when they need true experts. 2
3 Project Examples Market Intelligence Services Motor Finance Study Italy Market Feedback Survey for Provider of Insurances to Lenders Annual Auto Subprime Study US Truck F&L Risk Ratio Study Strategy Consulting Business Consulting IT Consulting Lease Company Setup Post-Merger Business Model Optimal Retail Finance Structure Operational Due Diligence for Acquisition Target Credit & Collections Assessment New Product: From Design until Launch New CRM Process Assessment of Operational Feasibility for Centralization Future Functional Target Landscape Functional and non-functional Requirements for New Systems (Retail, WS) RFP for New End-to-End Retail Lease & Loan System Business Subject Matter Resource for IT Implementation Debt Management Assessment Example Business Decisioning Tools Development of POS Price Calculator Staffing Model for Operations Operational KPI Model Large bank. Assessment focus was on retail lending (unsecured, secured) to private consumers. Analysis covered structural set-up, technology, process, performance management, and measurements. Key outcomes: High utilization of automation at early delinquency stages prior to manual efforts, in following stages limited technology support. Cost optimization potential through redefined in-house vs outsourcing criteria. Move from purely amount-driven to risk-based collections strategy. Shortening of lifecycle of debt management efforts based on thresholds and cost-benefit criteria. 3
4 Complexity of the Task General Environment Factors and Dimensions of each Case Risk Policy Costs Purpose Economy Product IT Customer Regulations & Legal Issues Operating Model 4
5 Complexity of the Task General Environment Factors and Dimensions of each Case Customer 5
6 Complexity of the Task General Environment Factors and Dimensions of each Case Product 6
7 Complexity of the Task General Environment Factors and Dimensions of each Case 7
8 Thinking about Customers Who Are You Dealing With? It is a sensitive topic to treat people differently, but effective customer segmentation is vital. Focus on customer relationship means an approach to understand the customer situation and determine a solution, which goes beyond collecting a payment. Which is the Best Contact Method for this customer? What is the Best Time to reach this customer? Source: BenchMark Consulting International Without effective customer profiling and a relationship approach to understand the customer situation you will underachieve. 8
9 Examples of High Performer Attributes Attribute High Performers Other Account Treatment Risk- and customer profile-based Calendar-based Key Loss Measures Financial e.g. Vintage analysis, roll rates and activity-based e.g. no-contact aging Portfolio Point-in-Time Collections Focus Focused on solving delinquency Focused on getting a payment Call Model Collections Strategy Changes Automation Account Assignment Reason for Delinquency and Solution to Cure consistently obtained Event and time driven. Fully automated early collection steps for low risk accounts. Based upon competencies, using both dedicated agents and pools; separate high risk unit. Reason only on refusal to pay Time driven. Automation in support of collection process, but not tied to risk profile. Pools Only Staff Empowerment High degree, with appropriate monitoring Low degree, resulting in excessive handoffs Source: BenchMark Consulting International, Excerpt from proprietary best practices knowledgebase. 9
10 Move beyond the traditional financial Metrics requires to......segment the key operational variables to control and analyze how each one is affecting the performance.... utilize qualitative and early warning indicators. Operational Metrics Amount Collected Account Cure Rate % of Arrears Collected Rate of Promises % of Promises Kept Account Flow Rate Repossession Success Rate Collector Hours - % Peak Dialer Connects Dialer Pass Rate Post Dialer Attempts Right Party Connects Inbound Abandon Rate Talk vs idle time etc. Portfolio / Pool based Metrics Vintage Delinquency Vintage Loss Rate First or early Payment Defaults Cost of Risk Charge-Offs Extension Rates Repeat Delinquencies Amounts of Payment Promises kept and broken in relation to income Viability of Payment Arrangements etc. Customer / Account based Signs/ Metrics Duration of No Contact Unreturned Messages Invalid Address Frequent change of address Frequent change of mobile phone Frequent change of bank account Payment plan adjustment Unemployment Divorce etc. 10
11 High Performers non-traditional Metrics Effective collectors focus customer calls on the following critical actions: Define the reason for delinquency Reach a mutually agreeable solution to the delinquency Update customer information Discuss future payments Source: BenchMark Consulting International, How to Navigate Successfully through the Current Collections Challenge, Low High Component Performers Performers Right Party Contact Rate <15% 35-50% Reason for Delinquency <40% >95% Solution to Cure Delinquency <40% >95% Discuss Future Payments <40% >90% Update Demographics <60% >95% Source: BenchMark Consulting International proprietary data based on own measurements for the above components in the US Auto Finance industry. 11
12 Measurable Profit Improvement through a fact-based approach Argentina Australia Austria Belarus Belgium Bulgaria Brazil Canada China Croatia Czech Rep. Denmark Finland France Germany Indonesia Italy Japan Latvia Luxembourg BenchMark Consulting International: The Business Experts! Macedonia Mexico Montenegro Netherlands Norway Peru Poland Portugal Romania Russia Saudi Arabia Serbia South Africa Spain Sweden Switzerland Turkey Ukraine United Kingdom United States BenchMark Consulting is a leading consulting firm globally in the lending segment (consumer commercial, asset-based unsecured, direct channel indirect channel) with unparalleled database about performance ratios and best practices, project and consultant experience and number of clients. Our holistic consultation approach encompassing analysis of the market, product and portfolio, strategy, operational processes and organizational structures is built upon a fact-based, measurable and modular concept that is transparent to clients and controls their financial risk. Our Services for the Financial Services Industry Highlights Projects at > 200 organizations at over 500 operational sites. Projects for 40 countries around the globe. Projects for most leading players in the passenger car and commercial vehicle / truck segment. Coverage of the entire spectrum from Strategy to Finance and Operations down to desk level. Coverage of the entire product and customer spectrum: Retail, Wholesale, Fleet Finance, Fleet Management, Loan, Finance Lease, Operational Lease, Credit Lines / Revolving, Cards, Services etc. Customized process models, KPI and best practices for each product. Coverage of the end-to-end operational chain. All our consultants are senior experts coming from this industry and with a management background. Unique proprietary Best-Practice and KPI Database with strategies, trends, organizational structures, internal policies, business processes, technology support and the effect on business success. Our focus is on actionable results, implementation and generation of measurable added value. We are hired by our clients when they need true experts. 12
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 informationDSV 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 informationGfK PURCHASING POWER INTERNATIONAL
GfK PURCHASING POWER INTERNATIONAL 1 Agenda 1. Europe 3 2. Americas 45 3. Asia & Near East 54 4. Afrika 66 5. Australia 68 6. Overview of countries and available levels 70 2 2 EUROPE 4 GfK
More informationWorld 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 informationReporting 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 informationData Modeling & Bureau Scoring Experian for CreditChex
Data Modeling & Bureau Scoring Experian for CreditChex Karachi Nov. 29 th 2007 Experian Decision Analytics Credit Services Help clients with data and services to make business critical decisions in credit
More informationGE 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 informationSupported Payment Methods
Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit
More informationSupported Payment Methods
Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not
More informationBrochure 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 informationMAUVE GROUP GLOBAL EMPLOYMENT SOLUTIONS PORTFOLIO
MAUVE GROUP GLOBAL SOLUTIONS PORTFOLIO At Mauve Group, we offer a variety of complete employee management services such as Global Employment Solutions (GES), Professional Employment Outsourcing (PEO),
More informationVerdict 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 informationAccident 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 informationThe investment fund statistics
The investment fund statistics Narodowy Bank Polski (NBP) publishes data reported by investment funds which have been defined in Art. 3 section 1 of the Act of 27 May 2004 on investment funds (Journal
More informationAppendix 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 informationForeign 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 informationEMEA 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 informationBT 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 informationBEST PRACTICES/ TRENDS/ TO-DOS
Online Insurance Europe: S/ TRENDS/ TO-DOS New success guidelines WHAT TO DO N D E EW IO IT N Your Benefits EUROPE S S/ TRENDS/ TO-DOS: The new and only study about the best online insurance solutions
More informationAgenda. Company Platform Customers Partners Competitive Analysis
KidoZen Overview Agenda Company Platform Customers Partners Competitive Analysis Our Vision Power the backend of the post- web enterprise Key Challenges of the Mobile Enterprise Enterprise systems integration
More informationCOST Presentation. COST Office Brussels, 2013. ESF provides the COST Office through a European Commission contract
COST Presentation COST Office Brussels, 2013 COST is supported by the EU Framework Programme ESF provides the COST Office through a European Commission contract What is COST? COST is the oldest and widest
More informationHow To Get A New Phone System For Your Business
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 informationConsumer Credit Worldwide at year end 2012
Consumer Credit Worldwide at year end 2012 Introduction For the fifth consecutive year, Crédit Agricole Consumer Finance has published the Consumer Credit Overview, its yearly report on the international
More informationFuture 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 information1. 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 informationOur Scope of Services in Russia & CIS and South & Eastern Europe
Kienbaum Management Consultants GmbH 2015 Our Scope of Services in Russia & CIS and South & Eastern Europe Kienbaum Management Consultants Kienbaum Management Consultants Who we are and what we do Kienbaum
More informationSuccessFactors Employee Central: Cloud Core HR Introduction, Overview, and Roadmap Update Joachim Foerderer, SAP AG
Orange County Convention Center Orlando, Florida June 3-5, 2014 SuccessFactors Employee Central: Cloud Core HR Introduction, Overview, and Roadmap Update Joachim Foerderer, SAP AG SESSION CODE: 1812 Cloud
More informationIntroducing Clinical Trials Insurance Services Ltd
Introducing Clinical Trials Insurance Services Ltd Important Staff Richard Kelly Managing Director Richard joined CTIS in 2006 having previously managed the Pharmaceutical wholesale division at Heath Lambert
More informationGlobal Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840
Below is a list of Global Access Numbers, in order by country. If a Country has an AT&T Direct Number, the audio conference requires two-stage dialing. First, dial the AT&T Direct Number. Second, dial
More informationEXECUTIVE SEARCH, INTERIM MANAGEMENT, NON-EXECUTIVE DIRECTORS & CONSULTING
EXECUTIVE SEARCH, INTERIM MANAGEMENT, NON-EXECUTIVE DIRECTORS & CONSULTING division one FACTS & FIGURES With offices in Stuttgart, Munich and Dusseldorf along with our 43 ENEX partner offices all over
More informationKnow 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 informationGlobal 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 informationThe 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 informationBiomass Pellet Prices Drivers and Outlook What is the worst that can happen?
Biomass Pellet Prices Drivers and Outlook What is the worst that can happen? European Biomass Power Generation 1st October 2012 Cormac O Carroll Director, London Office Pöyry Management Consulting (UK)
More informationTriple-play subscriptions to rocket to 400 mil.
Triple-play criptions to rocket to 400 mil. Global triple-play criptions will reach 400 million by 2017; up by nearly 300 million on the end-2011 total and up by 380 million on the 2007 total, according
More informationEuropean Bottled Water - Overview. Stewart Macintosh 16 th June 2011
European Bottled Water - Overview Stewart Macintosh 16 th June 211 The Big Picture Global Bottled Water M Litres 18, 16, 14, 12, 1, 8, 6, 4, 2, 2 21 22 23 24 25 26 27 28 29 21 Top 15 Bottled Water Markets
More informationOCTOBER 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 informationHP Technology Services HP NonStop Server Support
Reference guide HP Technology Services HP NonStop Server Support HP Global NonStop Solution Center (GNSC) Table of contents Global NonStop Solution Center... 2 Product support for HP NonStop and Neoview
More informationCisco Blended Agent: Bringing Call Blending Capability to Your Enterprise
DATA SHEET Cisco Blended Agent: Bringing Call Blending Capability to Your Enterprise Cisco ICM software has traditionally enabled companies to distribute inbound service volume to a variety of termination
More informationAudio Conferencing Service Comprehensive Telecommunications Services Group Number 77017 Award Number 20268 Contract Number PS63110
Audio Conferencing Comprehensive Telecommunications s Number PS63110 Audio Conferencing, Function or Device Reservationless Conferencing Solution Setup Meeting Center Multimedia Minute - Self-, Automated
More informationInternational Call Services
International Call Services Affordable rates for business calls. Wherever you are in the world. We ve got plenty to say when it comes to staying in touch when you re overseas. We have agreements with 443
More informationConsolidated International Banking Statistics in Japan
Total (Transfer Consolidated cross-border claims in all currencies and local claims in non-local currencies Up to and including one year Maturities Over one year up to two years Over two years Public Sector
More informationMarket Performance Report - For Business & Country
Brochure More information from http://www.researchandmarkets.com/reports/3107242/ Credit Card Issuing Lines Europe Report Description: CREDIT CARD ISSUING LINES EUROPE REPORT The Credit Card Issuing Lines
More informationTHE ROLE, RESPONSIBILITIES AND OBLIGATIONS OF THE SHIP AGENT IN THE INTERNATIONAL TRANSPORT CHAIN
THE ROLE, RESPONSIBILITIES AND OBLIGATIONS OF THE SHIP AGENT IN THE INTERNATIONAL TRANSPORT CHAIN A ship agent is any person or company that carries out the functions of an agent (see the following slide),
More informationMalta Companies in International Tax Structuring February 2015
INFORMATION SHEET No. 126 Malta in International Tax Structuring February 2015 Introduction Malta is a reputable EU business and financial centre with an attractive tax regime and sound legislative framework.
More informationPendulum 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 informationCMMI for SCAMPI SM Class A Appraisal Results 2011 End-Year Update
CMMI for SCAMPI SM Class A 2011 End-Year Update Software Engineering Institute Carnegie Mellon University Pittsburgh, PA 15213 1 Outline Introduction Current Status Community Trends Organizational Trends
More informationTOYOTA 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 informationFinancial Services In Europe
Financial Services In Europe GE A Global Company Operations in over 100 countries Debt rated Triple-A since 1956 320,000 + employees worldwide Manufacturing facilities in 32 countries 2 Six GE Businesses
More informationDigital TV Research. http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample
Digital TV Research http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am -
More informationRegion 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 information13 th Economic Trends Survey of the Architects Council of Europe
13 th Economic Trends Survey 13 th Economic Trends Survey of the Architects Council of Europe 13 th Economic Trends Survey Breakdown of responses COUNTRY ANSWERS France 1464 Belgium 399 Spain 365 Italy
More informationSunGard 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 informationHAS BRAZIL REALLY TAKEN OFF? BRAZIL LONG-RUN ECONOMIC GROWTH AND CONVERGENCE
HAS BRAZIL REALLY TAKEN OFF? BRAZIL LONG-RUN ECONOMIC GROWTH AND CONVERGENCE COUNTRY PROFILE: A COUNTRY IN TRANSFORMATION POLICY RECOMENDATIONS COUNTRY PROFILE Brazilian Equivalent Population in The World
More informationJuly 2015. Figure 1. 1 The index is set to 100 in 2000. House prices are deflated by country CPIs in most cases.
July 2015 Globally, house prices continue a slow recovery. The Global House Price Index, an equally weighted average of real house prices in nearly 60 countries, inched up slowly during the past two years
More informationOn What Resources and Services Is Education Funding Spent?
Indicator On What Resources and Services Is Education Funding Spent? In primary, secondary and post-secondary non-tertiary education combined, current accounts for an average of 92% of total spending in
More informationPervasive Location Analytics and A Billion Dollar Opportunity. Jitender Aswani, Portfolio Strategist, Business Analytics, SAP
[ Pervasive Location Analytics and A Billion Dollar Opportunity Jitender Aswani, Portfolio Strategist, Business Analytics, SAP Agenda 1. Big Data & Pervasive Nature of Location-Based Solutions 2. Location
More informationReport on Government Information Requests
Report on Government Information July 1 - December 31, 2014 apple Apple takes our commitment to protecting your data very seriously and we work incredibly hard to deliver the most secure hardware, software
More informationFunding and network opportunities for cluster internationalization
BSR Innovation Express: Cluster- to- Cluster Conference Funding and network opportunities for cluster internationalization Jens Peter Vittrup Special Adviser Email: jpv@ai.dk Why international R&I cooperation?
More informationDIRECT MARKETING STRATEGY. Web & Software Development Services
DIRECT MARKETING STRATEGY Web & Software Development Services Document created by : Rakesh Negi Business Development & Market Research Consultant New Delhi, India Skype: rakesh_negi1 MSN: rakesh_negi1@hotmail.com
More informationERASMUS+ 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 information2015 Country RepTrak The World s Most Reputable Countries
2015 Country RepTrak The World s Most Reputable Countries July 2015 The World s View on Countries: An Online Study of the Reputation of 55 Countries RepTrak is a registered trademark of Reputation Institute.
More informationTHE CISCO CRM COMMUNICATIONS CONNECTOR GIVES EMPLOYEES SECURE, RELIABLE, AND CONVENIENT ACCESS TO CUSTOMER INFORMATION
CUSTOMER SUCCESS STORY THE CISCO CRM COMMUNICATIONS CONNECTOR GIVES EMPLOYEES SECURE, RELIABLE, AND CONVENIENT ACCESS TO CUSTOMER INFORMATION EXECUTIVE SUMMARY CUSTOMER NAME Coleman Technologies INDUSTRY
More informationGreece Country Profile
Greece Country Profile EU Tax Centre March 2013 Key factors for efficient cross-border tax planning involving Greece EU Member State Double Tax Treaties With: Albania Estonia Lithuania Serbia Armenia Finland
More informationBusiness Mobile Plans
PRODUCT SOLUTIONS Business Mobile Plans GUERNSEY Whatever the size of your business, we can provide the ideal mobile solution for you. Our tariffs are flexible to suit all kinds of businesses and are designed
More informationThe Role of Banks in Global Mergers and Acquisitions by James R. Barth, Triphon Phumiwasana, and Keven Yost *
The Role of Banks in Global Mergers and Acquisitions by James R. Barth, Triphon Phumiwasana, and Keven Yost * There has been substantial consolidation among firms in many industries in countries around
More informationElectronic Citizen Identities and Strong Authentication
Electronic Citizen Identities and Strong Authentication Sanna Suoranta, Lari Haataja, Tuomas Aura Department of Computer Science Aalto University Finland Sanna Suoranta sanna.suoranta@aalto.fi Content
More informationSybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment
Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment OVERVIEW Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment Rising medical
More informationEuler 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 informationTechnical & Trade Schools Europe Report
Brochure More information from http://www.researchandmarkets.com/reports/3106479/ Technical & Trade Schools Europe Report Description: TECHNICAL & TRADE SCHOOLS EUROPE REPORT The Technical & Trade Schools
More informationAccess the world. with Schwab Global Investing Services
Access the world with Schwab Global Investing Services 78% of developed country equity market growth between 2000 and 2012 came from outside the U.S. 1 60% of developed country stock market capitalization
More informationFall 2015 International Student Enrollment
Fall 2015 International Student Enrollment Prepared by The Office of International Affairs Nova Southeastern University Nova Southeastern University International Student Statistics Fall 2015 International
More informationNetherlands Country Profile
Netherlands Country Profile EU Tax Centre March 2012 Key factors for efficient cross-border tax planning involving Netherlands EU Member State Yes Double Tax Treaties With: Albania Czech Rep. Jordan Nigeria
More informationCISCO METRO ETHERNET SERVICES AND SUPPORT
SERVICES OVERIVEW CISCO METRO ETHERNET SERVICES AND SUPPORT In the ever-changing communications market, incumbent service providers are looking for ways to grow revenue. One method is to deploy service
More informationENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores
More informationTHE WORLD S LEADING CAR DESIGN MAGAZINE
THE WORLD S LEADING CAR DESIGN MAGAZINE DISTRIBUITED IN MORE THAN 60 COUNTRIES EUROPE: Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, United Kingdom, Greece, Ireland, Iceland, Italy, Latvia,
More informationSTATISTICS FOR THE FURNITURE INDUSTRY AND TRADE
STATISTICS FOR THE FURNITURE INDUSTRY AND TRADE Möbel Zahlen Daten STATISTICS FOR THE FURNITURE INDUSTRY AND TRADE 01/36 Economical growth in the regions of the world-economy Changes of the gross domestic
More informationFocus 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 informationCase No COMP/M.4987 - IBM / COGNOS. REGULATION (EC) No 139/2004 MERGER PROCEDURE. Article 6(1)(b) NON-OPPOSITION Date: 24/01/2008
EN Case No COMP/M.4987 - IBM / COGNOS Only the English text is available and authentic. REGULATION (EC) No 139/2004 MERGER PROCEDURE Article 6(1)(b) NON-OPPOSITION Date: 24/01/2008 In electronic form on
More informationWhite paper. Engineer to Order Manufacturing
White paper Selecting ERP for Engineer to Order Manufacturing content Are you getting the real deal?... 3 Conclusion... 4 About IFS... 5 Selecting ERP for Engineer to Order Manufacturing By Peter Gross
More informationE-Seminar. E-Commerce Internet Business Solution Seminar
E-Seminar E-Commerce Internet Business Solution Seminar E-Commerce Internet Business Solution Seminar 3 Welcome 4 Objectives 5 The Internet Revolution 6 E-Commerce Defined 7 Types of E-Commerce 8 E-Commerce
More informationCisco IOS Public-Key Infrastructure: Deployment Benefits and Features
Data Sheet Cisco IOS Public-Key Infrastructure: Deployment Benefits and Features Introduction to Public Key Infrastructure Public Key Infrastructure (PKI) offers a scalable method of securing networks,
More informationIMD World Talent Report. By the IMD World Competitiveness Center
2014 IMD World Talent Report By the IMD World Competitiveness Center November 2014 IMD World Talent Report 2014 Copyright 2014 by IMD: Institute for Management Development, Lausanne, Switzerland For further
More informationGlobal 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 informationEnterprise Mobility Suite (EMS) Overview
Enterprise Mobility Suite (EMS) Overview Industry trends driving IT pressures Devices Apps Big data Cloud 52% of information workers across 17 countries report using 3+ devices for work Enable my employees
More informationEnergy Briefing: Global Crude Oil Demand & Supply
Energy Briefing: Global Crude Oil Demand & Supply November 6, 215 Dr. Edward Yardeni 516-972-7683 eyardeni@ Debbie Johnson 48-664-1333 djohnson@ Please visit our sites at www. blog. thinking outside the
More informationThe Community Innovation Survey 2010 (CIS 2010)
The Community Innovation Survey 2010 (CIS 2010) THE HARMONISED SURVEY QUESTIONNAIRE The Community Innovation Survey 2010 FINAL VERSION July 9, 2010 This survey collects information on your enterprise s
More informationStatus of the ISO 55000 Asset Management System Standard
Status of the ISO 55000 Asset Management System Standard Michael E. Poland, CMRP Board Member, ANSI Corporate Member, IAM Director of Asset Management, Life Cycle Engineering ISO 55000 Asset Management
More informationGlobal 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 informationGlobal 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 informationWe decided that we would build IFS Applications on standards so our customers would not be locked into any particular technology. We still do.
IFS Applications for Enterprise Asset Management OUR SOLUTION S DNA When we first set out to create IFS Applications over 25 years ago, our goal was to make the most usable business software on the market.
More informationDIR Contract #DIR-TSO-2610 Amendment #1 Appendix C Price Index
CONFERENCING SERVICES Customer Price Price per minute/hour/mont h etc. Comment Audio Conferencing Operator Assisted Dial-Out $0.1530 Per Minute OADI Toll-Free Dial-In (Operator Assisted) $0.0816 Per Minute
More informationINTERNATIONAL OVERVIEW John Wilkinson SVP Sales & Products
INTERNATIONAL OVERVIEW John Wilkinson SVP Sales & Products DE- C I X N G N L A U N C H E V E N T 2 Introduction XConnect provides secure, managed ENUM Registries and SIP based peering services to enable
More informationSize 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 informationForeign Obligations Notification Process
Foreign Obligations Notification Process Santiago Aguilar Nuclear Regulatory Commission 1 Agreements for Peaceful Nuclear Cooperation Current agreements with the IAEA, 21 countries, and Taiwan. The agreements
More informationERASMUS+ 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 informationHow many students study abroad and where do they go?
From: Education at a Glance 2012 Highlights Access the complete publication at: http://dx.doi.org/10.1787/eag_highlights-2012-en How many students study abroad and where do they go? Please cite this chapter
More informationVolkswagen 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 informationNational 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