Our people make the difference
|
|
- Bertha Richards
- 7 years ago
- Views:
Transcription
1 Transcom WorldWide S.A. Our people make the difference Investor Presentation Q
2 Company Overview Transcom is Europe s largest CRM operator by geographic footprint Fast growing Customer Relationship Management (CRM) company 49 service centres * delivering services to 28 countries Over 11,700 employees speaking 33 languages in over 9,800 workstations Q revenues up 29% to 137.2m ( 106.7m) Q net income up 33% to 7.6m ( 5.7m) * Includes 3 managed sites 2
3 Company Overview History and Development Founded in 1995, spun off from Kinnevik on 6 September 2001 and listed on Stockholmsbörsen Unique pan-european footprint developed in close association withtele2, Europe s largest alternative telecommunications company People 2,099 3,748 5,500 7,700 8,500 9,900 11,700 Centres Revenue ( m) Countries
4 Company Overview Services Offered Inbound Communication Telephone, , Internet & Fax and IVR Telemarketing and Outbound Lead generation, sales conversion, market analysis, customer loyalty and win back programmes CRM Consultancy Services Advise and improve CRM operations, tailored solutions available Contract Automation Sophisticated application of IVR systems Administrative Tasks Back office support, distributing information, processing correspondence, database registration and contact processing Web Servicing Improving customer interaction with client websites Credit Management Services Collections, sales ledger management, front office, reminder services, debt surveillance & debt purchase in Business to Business and Business to Consumer Legal Services Certified lawyers provide expertise in wide range of services including: bond issues, power of attorney and requests for information regarding laws, contract creation and consultancy 4
5 Company Overview Services to 28 countries with 11,700 employees speaking 33 languages across 49 sites Austria -Vienna Belgium -Liege Chile - Lota * Croatia -Vukovar Czech Republic -Prague Denmark - Albertslund, Vordingborg Estonia - Tallinn England - St. Albans Finland - Turku France - Paris, Raon, Tulle, Roanne Germany - Rostock, Halle, Dusseldorf, Tönivorst Hungary -Budapest Italy - Milan, L Aquila, Lecce, Bari Latvia -Riga Lithuania - Vilnius Luxembourg -Howald The Netherlands - Eindhoven, Groningen Norway - Halden, Fredrikstad, Oslo Poland -Olsztyn Portugal - Famalicao Romania -Bucharest * Serbia -Belgrade * Spain - Leon, Madrid (2), Barcelona (2), Seville Sweden - Karlskoga, Borås, Strömsnäsbruk, Kungsör, Norrköping, Stockholm Switzerland - Zurich Tunisia - Tunis Call centre locations * = Managed sites 5
6 Company Overview Key Clients Include 6
7 Market Overview Relative CRM Market Development in Europe High High Tier 2 Hungary Eastern & Southern Europe are the fastest-growing CRM markets Market growth, Average Tier 3 Poland Czech Republic Turkey Russia South Africa Greece Portugal Spain Austria Israel Germany Italy Switzerland France Belgium Denmark Norway Finland Netherlands Ireland Sweden UK (Size of circle indicates number of Agent Positions) Source: Datamonitor 2004 Low Low Average market maturity Tier 1 High 7
8 Market Overview CRM Agent positions by Vertical Segments Financial services Outsourcing Manufacturing Communications Retail Travel and tourism Public sector Utilities Technology Forecast to grow at CAGR of 11.3% in Outsourcing is one of the fastest growing vertical markets across EMEA Distribution and wholesale Entertainment, media and leisure Healthcare Other Source: Datamonitor Agent positions (000s) 8
9 Market Overview Relative Development of Outsourced CRM Vendors Few No. of companies Many - Highly fragmented market - Top 10 European firms account for < 25% of the market * * for the 7 major European countries, UK, Ireland, Italy, France, Germany, Spain and the Netherlands Size of outsourcer, within Europe Small national Large national Large international Specialization Product coverage Total solution 9 Source: Datamonitor,
10 Strategy Transcom s focus is to become the largest and most profitable Outsourced Services Organisation in all its operating countries 10
11 Strategy Transcom s Key Objectives Focus on increasing Collections and other high margin businesses Continue to deliver strong revenue growth Expand in fast growing new markets Increase revenue share outside Tele2 Further develop near / offshore services 11
12 Execution Transcom s Unique Selling Points Ability to offer unrivalled pan-european service Established in lower cost 2 nd tier city locations delivering Lower fixed operating costs Multi-million Euro Government investment Higher quality of workforce Lower staff turnover Better efficiencies 12
13 Execution Transcom s Unique Selling Points Strategy of deploying consistent technology & organisational structure Highly flexible and dynamic culture capable of rapid growth & deployment Low cost cross border (offshore) service offerings Double digit revenue growth without capital expansion 13
14 Execution Transcom s Credit Management Services (Collections) April 2005 Acquisition of Creditexpress in the Czech Republic January 2006 Acquisition of Dr. Finsterer + Koenigs in Germany March 2006 Acquisition of Credit & Business Services (CBS) in the UK TWW estimates 50% profits will be derived from Collections services by Q Actively pursuing partnerships with debt portfolio purchasers Strong synergies with existing CRM business Contact centre infrastructure and shared services Customer overlap / cross-sell opportunities Integrated product offerings 14
15 Execution The Offshore Opportunity Offshore opportunities = low cost cross-border services with skills / language synergy Key Offshore opportunities are Baltic States serving UK and Finland North Africa serving France, Spain and Italy Latin America serving Spain and Portugal Poland serving Germany France / Austria serving Switzerland Baltics is competitive with India and remains a priority for Transcom Baltic advantages over India are Accessible from UK within 2 hours Equivalent operating cost to India Excellent availability of highly educated English speaking workforce Political stability European empathy 15
16 Execution Operating Review Q Highlights New CRM contracts in key vertical markets included: Open Bank (Online Banking, Spain) Alpha Card (Financial Services, Belgium) Expansion of services provided to Citibank into Hungary New debt collection contracts with: Leaseplan (Leasing) Euler Hermes (Financial Services) CDON (Media & Entertainment) Launch of new contact centre in Bari, southern Italy Expansion of existing operations in Tunis, Zurich and Vienna 16
17 Execution Financial Review First Quarter 2006 Highlights Net sales up 29% to million ( million) Profit before tax up 33% to 10.4 million ( 7.8 million) Net income up 33% to 7.6 million ( 5.7 million) Basic EPS up 25% to 0.10 ( 0.08) External sales up 41% to 36.6 million (26.7% of total sales) 17
18 Execution Financial Review Full Year 2005 Highlights Net sales up 20% to million ( million) Profit before tax up 36%* to 32.7 million ( 24.0 million*) Net income up 42%* to 24.5 million ( 17.3 million*) Basic EPS up 42%* to 0.34 ( 0.24*) 18
19 Execution Net Sales & Gross Profit Development EUROm % CAGR NET SALES + 20% YOY NET SALES IN 2005 Net Sales Gross Profit 19
20 Execution Gross Profit & Pre-tax Profit Development % YOY PRE-TAX PROFIT IN EUROm Gross Profit Pre-tax Profit
21 Financials Consolidated Financial Summary ( million, except EPS) Q Q FY 2005 FY 2004 Net Sales Gross Income SG&A Goodwill Amortisation Operating Income Pre-tax Profit Net result after tax Earnings per Share (EUR) Total weighted average outstanding number of shares before dilution 72,603,759 72,023,681 72,227,673 71,819,861 21
22 Financials Consolidated Balance Sheet ( million) 31 Mar Mar 05 Fixed assets Goodwill Other fixed assets Current assets Short-term receivables Cash and bank Total assets Shareholders equity Minority interest in Equity Long-term liabilities Short-term liabilities Total liabilities
23 Financials Consolidated Cash Flow Statement ( million) 31 Mar Mar 05 Opening liquid funds Cash flow from Operations Capital expenditure Purchase of business Working capital movement Financing activities Net cash flow Closing liquid funds
24 Outlook Outlook and Focus for 2006 Further growth of non-tele2 business Margin development through higher value services Expansion of debt collection across enterprise Continued geographical expansion with low cost centres Potential further acquisitions (particularly in debt collection industry) from strong cash position Continued improvements in business efficiency 24
25 25
Our people make the difference
Transcom WorldWide S.A. Our people make the difference Investor Presentation Second Quarter & Half Year 2006 1 Company Overview Transcom is Europe s largest CRM operator by geographic footprint Fast growing
More informationREVENUES UP 29% TO 137.2 MILLION & NET INCOME UP 33% TO 7.6 MILLION
FOR IMMEDIATE RELEASE 25 April 2006 REVENUES UP 29% TO 137.2 MILLION & NET INCOME UP 33% TO 7.6 MILLION Luxembourg, 25 April 2006 Transcom WorldWide S.A. ( Transcom ) (Stockholmsbörsen: TWWA, TWWB), the
More informationTRANSCOM REPORTS FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED 31 st MARCH 2008
FOR IMMEDIATE RELEASE 21 st April TRANSCOM REPORTS FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED 31 st MARCH Luxembourg, 21 st April Transcom WorldWide S.A. ( Transcom or the Company ) (Nordic Exchange:
More informationOffice 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 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 informationWorld 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 informationATOSS 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 informationATOSS 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 informationAMADEUS: Analyse MAjor Databases from EUropean Sources - A financial database of 4 million European companies, including Eastern Europe MODULE.
AMADEUS http://amadeus.bvdep.com/ip AMADEUS: Analyse MAjor Databases from EUropean Sources - A financial database of 4 million European companies, including Eastern Europe MODULE. General AMADEUS contains
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 informationVertical Guide to Call Centers in EMEA
A Datamonitor report Vertical Guide to Call Centers in EMEA Analyzing trends in EMEA call centers Published: Apr-04 Product Code: Providing you with: Use this report to... Determine the largest and fastest
More informationPRESS RELEASE. Indesit Company s Board of Directors examines the results for 2 nd quarter 2012 and approves the 1 st half management report
PRESS RELEASE Indesit Company s Board of Directors examines the results for 2 nd quarter and approves the 1 st half management report Growth in 2 nd quarter revenues and market share. Operating margin
More informationNokia Siemens Networks appoints Fleet Logistics to manage Finnish fleet
Press release Nokia Siemens Networks appoints Fleet Logistics to manage Finnish fleet Green fleet award-winning Nokia Siemens Networks has extended its relationship with Fleet Logistics to add its 1,800
More informationINDUSTRIAL 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 informationGuide. 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 informationInternational 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 informationH & M HENNES & MAURITZ AB FULL-YEAR REPORT
H & M HENNES & MAURITZ AB FULL-YEAR REPORT 1 December 2011 30 November 2012 FULL-YEAR The H&M Group s sales including VAT increased in local currencies by 11 percent during the financial year. Sales in
More informationFleet Logistics partners with AlertDriving to offer online driver training and risk assessment
Fleet Logistics partners with AlertDriving to offer online driver training and risk assessment Europe s largest independent fleet management provider, Fleet Logistics, has entered into a strategic partnership
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 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 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 informationAcquisition of Bratislava and Kosice Airports. Developing the future of the region Vienna - Bratislava - Kosice
1 Acquisition of Bratislava and Kosice Airports Developing the future of the region Vienna - Bratislava - Kosice Herbert Kaufmann CEO Flughafen Wien AG February 2006 2 The Region Vienna Bratislava - Kosice
More informationSUPPLY, DEMAND, ENERGY AND LOCATION: THE FOUR PILLARS TO SUCCESS
SUPPLY, DEMAND, ENERGY AND LOCATION: THE FOUR PILLARS TO SUCCESS DC RADAR The second edition of the Arcadis European Data Centre Radar, produced in conjunction with ixconsulting, is based upon extensive
More informationFY2008 RESULTS. 1 February 2008 to 31 January 2009
FY RESULTS 1 February to 31 January 2009 Net sales for FY reached 10,407 million. Net sales in local currencies and constant perimeter increased by 12%. INDITEX outperformed the sector in a challenging
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 informationTrends in the European Investment Fund Industry. in the First Quarter of 2016
Quarterly Statistical Release May 2016, N 65 This release and other statistical releases are available on Efama s website (www.efama.org) Trends in the European Investment Fund Industry in the First Quarter
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 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 informationGroup 1 Group 2 Group 3 Group 4
Open Cities Lesson 1: Different kinds of cities Worksheet Task 1 Find the countries on the map Group 1 Group 2 Group 3 Group 4 1 Austria 2 Belgium 3 Bulgaria 4 Cyprus 5 Czech Republic 6 Denmark 7 Estonia
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 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 informationH & M Hennes & Mauritz AB
Full-year report (1 Dec - 30 Nov ) H & M Hennes & Mauritz AB Full-year report Full-year (1 December 30 November ) Well-received collections for all brands in the H&M Group resulted in good sales and increased
More informationSecurities services fees and commissions
Securities services fees and commissions EQUITIES TRADING LITHUANIA, LATVIA, ESTONIA, trading shares on-line AB Nasdaq OMX Vilnius, AB Nasdaq OMX Riga, AB Nasdaq OMX Tallinn stock exchanges http://www.omxgroup.com
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 informationNEW 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 informationInternational services
International services More options around the world technology delivering Click to turn page International services Contents Page DPD CLASSIC 4 DPD CLASSIC Europe and beyond by ground and air DPD EXPRESS
More informationH & M Hennes & Mauritz AB
Three-month report 2015 (1 Dec 28 Feb 2015) H & M Hennes & Mauritz AB Three-month report First quarter (1 December 28 February 2015) Well-received collections for all brands in the H&M group resulted in
More informationIndustry 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 informationSUPPLY, DEMAND, ENERGY AND LOCATION: THE FOUR PILLARS TO SUCCESS
SUPPLY, DEMAND, ENERGY AND LOCATION: THE FOUR PILLARS TO SUCCESS DC RADAR The second edition of the Arcadis European Data Centre Radar, produced in conjunction with ixconsulting, is based upon extensive
More informationEuropean Rack and Rack Options Market
Brochure More information from http://www.researchandmarkets.com/reports/2701935/ European Rack and Rack Options Market Description: The European rack and rack options market is growing with still high
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 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 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 informationRC 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 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 information187/2014-5 December 2014. EU28, euro area and United States GDP growth rates % change over the previous quarter
187/2014-5 December 2014 This News Release has been revised following an error in the data for Gross Fixed Capital Formation. This affects both the growth of GFCF and its contribution to GDP growth. All
More informationMALTA 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 informationGuide. 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 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 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 information99/2015-9 June 2015. EU28, euro area and United States GDP growth rates % change over the previous quarter
2005Q1 2005Q2 2005Q3 2005Q4 2006Q1 2006Q2 2006Q3 2006Q4 2007Q1 2007Q2 2007Q3 2007Q4 2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1 2010Q2 2010Q3 2010Q4 2011Q1 2011Q2 2011Q3 2011Q4 2012Q1
More informationBEST EXECUTION POLICY
BEST EXECUTION POLICY In Prague on 9 th December 2015 TABLE OF CONTENT 1. Introductory provisions 2. Markets where the Company executes customer's instructions 3. Instructions 4. Strategy for executing
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 informationH & M Hennes & Mauritz AB
Nine-month report (1 Dec - 31 August ) H & M Hennes & Mauritz AB Nine-month report Nine-months (1 December 31 August ) The H&M Group s sales including VAT increased in local currencies by 15 percent during
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 informationINNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES
Eurobarometer INNOBAROMETER 2015 - THE INNOVATION TRENDS AT EU ENTERPRISES REPORT Fieldwork: February 2015 Publication: September 2015 This survey has been requested by the European Commission, Directorate-General
More informationBridgestone 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 informationEUF STATISTICS. 31 December 2013
. ESTIMATES OF EU TURNOVER VOLUMES. Turnover volumes by product, allocation and notification (Estimates of EU s, Millions of ) Estimate of the EU % on Turnover Significance of the sample on total turnover
More informationLANDWELL. 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 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 informationIntegrated telecommunication solutions
Integrated telecommunication solutions 1 About THE Linx Group Our extensive industry experience have already helped many multinational clients The Linx Group (known under Linxtelecom and Linxdatacenter
More informationComputing our Future Computer programming and coding in schools in Europe. Anja Balanskat, Senior Manager European Schoolnet
Computing our Future Computer programming and coding in schools in Europe Anja Balanskat, Senior Manager European Schoolnet ABOUT THE SURVEY What do Ministries currently think about the topic? Curricula
More informationThe spillover effects of unconventional monetary policy measures in major developed countries on developing countries
The spillover effects of unconventional monetary policy measures in major developed countries on developing countries Tatiana Fic National Institute of Economic and Social Research Objective The objective
More informationVisa Inc. to Acquire Visa Europe. November 2, 2015
Visa Inc. to Acquire Visa Europe November 2, 2015 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act
More informationT R A V E L A N D A C C O M M O D A T I O N E X P E N S E S 2 0 1 4
13/01/2015 www.bdo.lu T R A V E L A N D A C C O M M O D A T I O N E X P E N S E S 2 0 1 4 In Luxembourg the travel expenses for business trips are reimbursed either based on actual expenses or based on
More informationInterim 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 informationPlanned Healthcare in Europe for Lothian residents
Planned Healthcare in Europe for Lothian residents Introduction This leaflet explains what funding you may be entitled to if you normally live in Lothian (Edinburgh, West Lothian, Midlothian and East Lothian
More informationINTERNATIONAL 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 informationH & M Hennes & Mauritz AB
Six-month report (1 Dec 31 May ) H & M Hennes & Mauritz AB Six-month report First half-year (1 December 31 May ) The H&M group s sales including VAT increased by 7 percent in local currencies during the
More informationH & M Hennes & Mauritz AB Full-year Report
H & M Hennes & Mauritz AB Full-year Report 1 December 2012 30 November 2013 FULL-YEAR The H&M Group s sales including VAT increased in local currencies by 9 percent during the financial year. Sales in
More informationErasmus+ International Cooperation
International Cooperation Work together with European higher education institutions ? The EU's programme to support education, training youth & sport Funding for programmes, projects & scholarships Fosters
More information2014 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 informationKey Trends in Outsourced Contact Centers. 12 Congreso Andino, April 2015 Peter Ryan, Principal Analyst
Key Trends in Outsourced Contact Centers 12 Congreso Andino, April 2015 Peter Ryan, Principal Analyst Outline of Presentation Introduction Key trends in outsourced contact centers Market growth Pricing
More informationLow repo rate supports upturn in inflation. Governor Stefan Ingves Bank & Finans Outlook 18 March 2015
Low repo rate supports upturn in inflation Governor Stefan Ingves Bank & Finans Outlook 18 March 2015 Sweden - a small open economy in an uncertain world Large oil price fluctuations Negative interest
More informationINVESTOR 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 informationEnergy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU
92/2015-27 May 2015 Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU In the European Union (EU), household electricity prices 1 rose by
More informationCapital Market Linkages: How to facilitate cross border trading?
Capital Market Linkages: How to facilitate cross border trading? OIC Member States Stock Exchanges Forum Dr. Jochen Biedermann Istanbul, 02 October 2010 Agenda 1. About Deutsche Börse 2. Capital Market
More informationSingle Euro Payments Area
Single Euro Payments Area Overview SEPA (Single Euro Payments Area) is a European payments initiative which aims to create one single, integrated, standardised payments market in Europe. It is an area
More informationA taste for action Tele2 in pole position
1Quarterly Report January March 23 A taste for action Tele2 in pole position Tele2 reports record cash flow of SEK 1.4bn before investments, with EBT increasing to MSEK 491, while adding 91, customers
More information41 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 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 informationMAKING 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 informationAdecco returns to growth in October
Adecco returns to growth in October Improving revenue trends and strong profitability in Q3 2013 Q3 2013 HIGHLIGHTS Revenues flat in constant currency Gross margin of 18.7%, up 80 bps SG&A down 2% in constant
More informationSMEs 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 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 informationElectricity, 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 informationTourism trends in Europe and in Mediterranean Partner Countries, 2000-2006
Industry, trade and services Author: Ulrich SPÖREL, Volker TÄUBE Statistics in focus 95/28 Tourism trends in Europe and in Mediterranean Partner Countries, 2-26 Tourism is a growth industry in Europe and
More informationBusiness Cooperation Database Profile Extraction
Business Cooperation Database Profile Extraction Produced the 23/05/2013 General Information Profile ID 20111230018 Summary Creation Date 30/12/2011 Last Update 12/01/2012 Expiration Date 02/01/2014 Intermediary
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 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 informationEMEA Rents map RETAIL 2012. Accelerating success.
EMEA Rents map RETAIL 2012 Accelerating success. EMEA Retail Rents Q1 2012 NORWAY Oslo 154 q 110 q SWEDEN Stockholm 151 tu 146 tu 170 N/A 5.40% tu 140 N/A Helsinki Tallinn 29 p 44 tu FINLAND ESTONIA Saint
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 informationHow To Profit From Trailer Production
Design the future Second quarter results 215 Detlef Borghardt, CEO Wilfried Trepels, CFO August 6, 215 Agenda 1 Market Development 3 2 Financial information 5 3 Outlook 17 2 Truck and trailer market development
More informationTrends in Digitally-Enabled Trade in Services. by Maria Borga and Jennifer Koncz-Bruner
Trends in Digitally-Enabled Trade in Services by Maria Borga and Jennifer Koncz-Bruner Digitally-enabled are those for which digital information and communications technologies (ICT) play an important
More informationCEESEG FIX. CEEtrader
CEESEG FIX CEEtrader CEE Trader The Trading Front-End Wiener Börse AG provides the new, powerful and easy-to-use trading front-end, CEE Trader, to the members of the Vienna Stock Exchange and its partner
More informationHow To Calculate Tax Burden In European Union
The Tax Burden of Typical Workers in the EU 28 2015 James Rogers Cécile Philippe Institut Économique Molinari, Paris Bruxelles TABLE OF CONTENTS Abstract 2 Background 2 Main Results 3 On average, a respite
More informationGroup overview Veli-Matti Mattila CEO
Group overview Veli-Matti Mattila CEO Content 1 2 3 4 5 Performance update Market environment Strategy execution Mid-term targets CEO priorities 2 22 October 2014 Elisa CMD 2014 Group overview Performance
More informationTHE LOW INTEREST RATE ENVIRONMENT AND ITS IMPACT ON INSURANCE MARKETS. Mamiko Yokoi-Arai
THE LOW INTEREST RATE ENVIRONMENT AND ITS IMPACT ON INSURANCE MARKETS Mamiko Yokoi-Arai Current macro economic environment is of Low interest rate Low inflation and nominal wage growth Slow growth Demographic
More informationFirst quarter 2015 revenue
First quarter 2015 revenue Start of the year well on track to 2015 objectives Revenue: 2,427 million +17.6% year-on-year Order entry: 2,198 million +31.5% year-on-year All 2015 objectives confirmed Bezons,
More information