E-secure transactions Overview In Normandy 2009

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Quick overview about e-secure transaction projects in Normandy, France

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E-secure transactions Overview In Normandy 2009

  1. 1. E-transactions project: Normandy June 2009
  2. 2. E-TRANSACTIONS PROJECT: NORMANDY 1. EXECUTIVE SUMMARY NORMANDIE DEVELOPPEMENT is specialised in welcoming and helping businesses to set up in Normandy. In addition to our technical support available at every stage of your project, we mobilise public and private networks of partners for a rapid and successful implementation of your project in Normandy. You are willing to open a R&D center. Please find herunder 5 excellent reasons to invest in Normandy: ■ TES Transactions cluster (e-transactions cluster) ■ E-banking platform at ENSICAEN (unique in the world), ■ The GREYC laboratory specialized in computer science, computer security, image processing, electronics, automation... (100 researchers) ■ TES cluster and ENSICAEN partners: 7 Banks, Transport companies, Mobile operators, Cards manufacturing, ELLITT Laboratory, ■ Excellent existing infrastructures. We are at your disposal for any additional information and remain, Yours faithfully, Mr Sylvain DORRIERE Project Manager JUNE 2009 2
  3. 3. E-TRANSACTIONS PROJECT: NORMANDY 2. PRESENTATION OF NORMANDIE DEVELOPPEMENT JUNE 2009 3
  4. 4. E-TRANSACTIONS PROJECT: NORMANDY 2. NORMANDIE DEVELOPPEMENT Who we are - An association gathering Norman services and industry leaders (160 members) - Through our own prospection abroad, our main objective is to attract international investment in Normandy, to promote the territory of Normandy, and to support your international development - We welcome and help businesses to set up in Normandy: technical support, mobilization of public and private networks of partners for a rapid and successful implementation of your project in Normandy. Our missions: Our organisation: - Enhance Normandy’s territorial business offer, with a focus on - 19 people on call for your needs with following sectorial international development organization: - Provide support to economic development, especially major . Agribusiness, Health corporate projects . Propulsion, Motorization, Transport - Answer partnership demands: interface between investors and Norman companies . Secured Electronic transactions, Innovating projects - Animation ot the Association . Logistics, oils and chemicals. - Coordination of the various actors to answer the industrial request and to promote Normandy abroad - Deploying actions for regional planning and development. Our services: Our financing sources (public and private): - Introduction to research and technology expertises - French government, Regions, local Authorities - Assistance for grants and financial incentives - The 160 members (Norman services and industry leaders) - Advice on availability and costs of sites and premises of our Association. - Introduction to other business professionals: lawyers, accountants, banks… - Identify, prospect and get new international mobile investments to Normandy - International economic intelligence: analysis, studies, networking, anticipation to be pro active. JUNE 2009 4
  5. 5. E-TRANSACTIONS PROJECT: NORMANDY Normandy Développement at the center of economic partners network Local Devpt Agencies Competitive clusters AFII - UbiFrance Investment Promotion Prospecting President of Normandy Settlements Business Watch Intelligence Deal flow Director Communication Partnership Administration Accounting JUNE 2009 5
  6. 6. E-TRANSACTIONS PROJECT: NORMANDY Economic partners network International partners ■ Euratlantic: thirteen regions in France, Portugal and Spain have joined forces to market their territory on an international level ■ Gate2Growth: the pan-European Gateway to Business and Innovation National and regional partners To fulfil its missions, Normandie Développement has signed charters and conventions with several national and regional partners, including: The French Government: The local authorities: ■ DIACT (ex. DATAR) ■ Both Normandy Regional Councils (Haute-Normandie & Basse-Normandie) ■ AFII (The French Government Agency for International Investment) ■ Normandy General Councils ■ Préfecture de Région Haute-Normandie ■ Préfecture de Région Basse-Normandie Norman economic development agencies: ■ Seine Maritime Expansion ■ Comité d’Expansion Agroalimentaire ■ ADEAR (Rouen Développement) ■ SYNERGIA ■ Le Havre Développement ■ SHEMA ■ Eure Expansion ■ Basse-Normandie Regional Chamber of Commerce and Industry ■ Calvados Stratégie ■ Haute-Normandie Regional Chamber of Commerce and Industry ■ Orne Développement ■ Normandy’s Regional Chamber of Agriculture JUNE 2009 6
  7. 7. E-TRANSACTIONS PROJECT: NORMANDY 3. FRANCE BRIEF OVERVIEW JUNE 2009 7
  8. 8. E-TRANSACTIONS PROJECT: NORMANDY 3. FRANCE BRIEF OVERVIEW 3.1. GDP 2007 (estimates - in billion dollars) GDP 2007 (estimates - in billion dollars) 4 000 2 9. 25 3 500 3, 9 5. 3 000 GDP 2006 75 2 5. 2, 51 GDP 2007 2, 7 2 500 7. 06 2, 2 000 6 4. 41 1, 1 500 9 1 000 4. 75 8 6 3 7 2. 1. 3. 7 6. 44 3 43 1 0. 41 36 500 3. 6. 31 25 23 0 m d um y nd a s ce n nd ly k en an an tri do nd ai ar Ita an la la ed Sp gi us m m nl la ng Po Ire Fr el Sw en er Fi er A Ki B G h D et d te N ni U Source: International Monetary Fund, World Economic Outlook Database, October 2007 JUNE 2009 8
  9. 9. E-TRANSACTIONS PROJECT: NORMANDY 3.2. TOP 15 INVESTMENT DESTINATIONS AMONG EUROPEAN COUNTRIES (number of projects 2006) TOP 15 investment destinations among European countries (number of projects 2006) 800 686 700 600 565 500 400 286 300 212 185 200 152 140 136 113 113 100 0 n um nd ia ce lic m y en nd ai an an do an la b ed Sp gi la m pu om Po g Fr el er Sw er in Re B itz R G K Sw ch d te ze ni C U Source: Ernst & Young - European Attractiveness Survey - 2007 ! 3rd worldwide destination for FDI with $81 billion in 2006, after only the United States and United Kingdom JUNE 2009 9
  10. 10. E-TRANSACTIONS PROJECT: NORMANDY 3.3. LABOR PRODUCTIVITY Labor productivity - GDP per hour worked 39 37.99 37 35.63 35.08 35 34.47 34.14 32.82 33 30.9 31 30.44 30.42 29.49 29 27 25 es um ay s om k ce y nd en nd ar an at an w la ed m i gd la lg m r St Ire Fr No n Sw er er Be n De d Ki th G te Ne d i Un te i Source: International Labor Organization - September 2007 Un JUNE 2009 10
  11. 11. E-TRANSACTIONS PROJECT: NORMANDY 3.4. EMPLOYMENT COSTS: FOR AN EXECUTIVE Compared employment costs for an executive (in $/year) 220000 190,081 200000 170,093 13,984 180000 168,014 160000 14,481 140000 46,465 120000 100000 176,097 80000 155,612 60000 121,549 40000 Employer contributions 20000 Total remuneration 0 France Germany United Kingdom Data source: Mercer Human Resources Consulting, April 2007 JUNE 2009 11
  12. 12. E-TRANSACTIONS PROJECT: NORMANDY 3.5. EMPLOYMENT COSTS: LABOR COSTS COMPARISON WELFARE WAGES AND SALARIES COMPULSORY STATUTORY BENEFITS TOTAL LABOR COSTS Average Average per employee Rank % of total cost Rank % of total cost Rank per employee Rank ($ US) ($ US) United States 55 821 $ 3 10 % 3 26 % 5 75 411 $ 1 Canada 60 006 $ 5 8% 1 20 % 2 76 738 $ 2 Australia 58 480 $ 4 13 % 6 22 % 4 78 903 $ 3 FRANCE 51 984 $ 1 43 % 9 20 % 1 84 826 $ 4 Italy 54 362 $ 2 32 % 8 28 % 6 87 119 $ 5 United Kingdom 62 988 $ 6 12 % 6 30 % 7 89 699 $ 6 Japan 68 247 $ 8 9% 2 31 % 8 95 600 $ 7 The Netherlands 66 934 $ 7 12 % 4 33 % 9 97 040 $ 8 Germany 79 064 $ 9 15% 7 21 % 3 107 518 $ 9 Source : KPMG, Competitive Alternatives, 2008 é France ranks 4th globally and benefits from lower costs than the other listed countries. JUNE 2009 12
  13. 13. E-TRANSACTIONS PROJECT: NORMANDY 3.6. HIGHLY EDUCATED POPULATION Science graduates 2005 - higher education (Per 100,000 employed 25-to-34-year-olds) 3500 3,022 2,917 3000 2500 2,283 2000 1,746 1,656 1500 1,401 1,401 1,375 1,302 948 1000 500 0 ly n d ce nd y en om s s ai an It a an te nd an la ed Sp gd ta l m Po rla Ire Fr Sw S er in he d G K te et d ni N te U ni U Source: OECD 2007 JUNE 2009 13
  14. 14. E-TRANSACTIONS PROJECT: NORMANDY 3.7. BUSINESS CREATION: REGISTRATION Easily register a new business Duration (days) Num ber of procedures 50 14 Number of procedures 45 12 40 Duration (days) 35 10 30 8 25 20 6 15 4 10 5 2 0 0 27 ain ia n ly ina m d e y om tes s pa nc lan an Ind Ita nd u - EU Sp Ch lgi gd S ta Ja Fra rm rla Po Be Kin Ge the d ite d Ne Un ite Un Source: Doing Business in 2008 report (IFC, World Bank Group, Sept-2007) JUNE 2009 14
  15. 15. E-TRANSACTIONS PROJECT: NORMANDY 4. BENCHMARK FRANCE-GERMANY-UNITED KINGDOM JUNE 2009 15
  16. 16. E-TRANSACTIONS PROJECT: NORMANDY 4. BENCHMARK FRANCE-GERMANY-UNITED KINGDOM 4.1. THREE LARGE MARKETS GLOBAL MARKET GDP FRANCE 5th global market with 63.75 M. people $ 41,680 / resident GERMANY 3rd global market with 82.22 M. people $ 41,530 / resident UNITED KINGDOM 6th global market with 61.18 M. people $ 47,940 / resident JUNE 2009 16
  17. 17. E-TRANSACTIONS PROJECT: NORMANDY 4.2. BETTER CONDITIONS TO SET UP A BUSINESS FRANCE GERMANY UNITED KINGDOM Overall business set-up cost Ranked 5th Ranked 10th Ranked 6th (Index Unites States = 100) 103.5 116.8 107.1 KPMG Competitive Alternatives, 2008 JUNE 2009 17
  18. 18. E-TRANSACTIONS PROJECT: NORMANDY 4.3. FAVORABLE COMPARATIVE COSTS FRANCE GERMANY UNITED KINGDOM Taxes paid by companies on value-added wealth created DIUS Value Added Scoreboard 2007 8% 6% 12 % Total dowtown offices costs, including rent and taxes (in $) 1,429 716 2,954 Schofield & Partners, Geneva/Jones Lang LaSalle, EMEA Research, August 2007) Average price per minute for a mobile phone call in Europe 0.18 0.34 0.23 (VAT excluded) Paris-Ile de France Capitale Economique, Benchmark, Attractivité de l’Ile de France en Europe, Nov. 2007) Comment: é The prices for a mobile phone call is almost 50% lower in France than in Germany and 20 % lower than in the United Kingdom. JUNE 2009 18
  19. 19. E-TRANSACTIONS PROJECT: NORMANDY 4.4. A HIGHLY QUALIFIED, PRODUCTIVE AND COMPETITIVE LABOR FORCE FRANCE GERMANY UNITED KINGDOM Science and Technology graduates 22.5 9.7 18.4 per 1,000 people, aged 20 to 29 Eurostat 2008 Usual working time Eurostat 2008 41 41.7 43 Actual number of hours worked per week by managers (full time 48 49.7 44.2 Eurostat 2008 Productivity (GDP / person employed / hour) ILO 2007 € 35.08 € 29.49 € 30.42 Work days lost due to strikes 3.70 1.01 10.06 per 1,000 people - 2004 to 2006 average) ILO:IMD 2008 Employment costs for an executive (in $/year) 168,014 170,093 190,091 Mercer Human Resources Consulting, April 2007 Wages level (New York = 100) (UBS, Prices and earnings, 2008) 81 (Paris) 104.8 (Frankfurt) 102.2 (London) Ministry of Labour 76 (Normandy) Example: annual salary (gross) in a biopharm company - Production Manager € 90,400 € 104,900 € 72,900 - Technician € 45,400 € 57,800 € 34,300 - Secretary € 36,200 € 46,000 € 24,800 OCO Access, Watson Wyatt 2008 Comments: - The percentage of Science and Technology graduates in France is twice as high as in Germany and 20 % higher than in the United Kingdom. - Hourly productivity in France is much higher than in Germany and in the United Kingdom. - the usual work week for the active population in France is 41 hours (and not 35) and the actual number of hours worked by managers in France is almost 10% higher than in the United Kingdom (48 h vs 44,2 h). JUNE 2009 19
  20. 20. E-TRANSACTIONS PROJECT: NORMANDY 4.5. DYNAMIC AND HIGHLY ENCOURAGED R&D FRANCE GERMANY UNITED KINGDOM Gross domestic expenditure on R&D (% of GDP in 2005) 2.1238 2.4833 1.7637 Eurostat 2008 Number of international patents (in 2007) 6,370 18,134 5,553 World Intellectual Property Office Number of patents per 10,000 people (in 2006) 565.90 559.28 792.08 IMD 2008 Research Tax Credit Le Guide du CIR 2008 $ 5 million 0 $ 0.75 million Example: A company whose expanses reached € 10 million in 2008 will benefit in its first year from a research tax credit of: Comments: - France offers the best Research Tax credit in Europe in the OECD. - France is ahead of the United Kingdom for the number of issued patents. JUNE 2009 20
  21. 21. E-TRANSACTIONS PROJECT: NORMANDY 5. NORMANDY INDUSTRIAL STRENGTH: GENERAL OVERVIEW JUNE 2009 21
  22. 22. E-TRANSACTIONS PROJECT: NORMANDY 5. NORMANDY INDUSTRIAL STRENGTH: GENERAL OVERVIEW An internationally renowned French and European Region ! SWEDEN DENMARK ■ 3.2 million inhabitants, IRELAND ■ 6 competitiveness clusters: Logistics, Automotive, Cosmetics, UNITED KINGDOM Secure Electronic Transactions, Horse industry, Foodstuffs of the future ER ERLAN NETHERLANDS P GERMANY ■ Number one French port complex on the Channel seaboard, only 2 hours from Paris, B BELGIUM CZECH REPUBLI NORMANDY ■ 3 major employment areas: Rouen (725,000 inhab.), Le Havre (360,000 inhab.) and Caen-Bayeux (485,000 inhab.), AUSTRIA FRANCE SWITZERLAND ■ A qualified workforce from operator to engineer, SLOVENIA ■ A wide and diversified range of training courses, 217 miles ITALY The French market 63 million consumers ■ World renowned tourist landmarks such as the Mont-Saint-Michel, Deauville, Honfleur, Bayeux, the Allied Landing beaches, abbeys, and more... 621 miles SPAIN 250 million consumers PORTUGAL 932 miles 380 million consumers 200 km Source : AFII 2 hours from the largest consumer region in Europe JUNE 2009 22
  23. 23. E-TRANSACTIONS PROJECT: NORMANDY 5.1. Normandy: potential market of 200 million consumers GDP per region - year 2006 (1) GDP GDP GDP per inhab. per employee (in million euros) (euros) (euros) Haute-Normandie 46,853 25,834 66,712 Basse-Normandie 34,064 23,491 59,952 (1) provisional data Unemployment 2007 2008 (estimates) 2008 (estimates) 4TH QUARTER 1ST QUARTER 2ND QUARTER Haute-Normandie 7.9 % 7.6 % 7.8 % Basse-Normandie 6.8 % 6.5 % 6.6 % Source: INSEE (French Institute for Statistics & Economic Studies) Gross value added per region and per sector - year 2006 (in million euros) AGRICULTURE INDUSTRY SERVICES TOTAL GROSS FORESTRY VALUE ADDED FISHING Haute-Normandie 754 9,154 20,146 41,795 Basse Normandie 1,138 5,252 13,993 30,386 JUNE 2009 23
  24. 24. E-TRANSACTIONS PROJECT: NORMANDY 5.2. Normandy: workforce and salaries An attractive place for your employees For small, medium and large size companies, the recruitment of employees is facilitated by several positives factors: 1. Availability of fresh graduates from different disciplines: craft certificate, certificate of professional capacity, A-Level (professional), advanced vocational diplomas and engineers. 2. Availability of skilled staff thanks to the industrial environment. Another major competitive advantage: Normandy remains close to the Paris area. Furthermore the higher quality of life and better work conditions make it easy to attract and retain staff from the Capital city in our Region. Reasonable level of salaries The salaries are below the Paris area level, but still remain attractive for employees due to: - Cheaper and better housing facilities in Normandy - The commuting time to work rarely exceeds 20 minutes in Normandy, whereas in Paris and suburbs it can reach over 2 hours. Regional wages survey Average net annual salaries (in euros) in 2005, by socio-economic category BASSE- HAUTE- FRANCE NORMANDIE NORMANDIE Executives 40,790 42,004 45,327 Middle management 22,113 23,792 23,139 White collar workers 15,601 15,974 16,079 Skilled blue collar workers 16,280 17,630 16,900 Source: INSEE 2005 JUNE 2009 24
  25. 25. E-TRANSACTIONS PROJECT: NORMANDY 5.3. Normandy: building costs BUILDING COST AND RENTING COST INDUSTRIAL PLANT Basic building 580 euros per sqm (m²) / duty free Building + Air conditionning 760 euros per sqm (m²) / duty free Building + Air conditionning + Sprinkler 790 euros per sqm (m²) / duty free OFFICES Basic building 290 euros per sqm (m²) / duty free Building + Heating 380 euros per sqm (m²) / duty free Building + Heating + Spinkler 410 euros per sqm (m²) / duty free Environment (parking, road, green area) 46 euros per sqm (m²) / duty free BUILDING (RENTING) Renting new offices (town centre / average prices) 120 to 140 euros per sqm (m²) / duty free Renting existing offices (town centre / average prices) 90 to 100 euros per sqm (m²) / duty free Renting new offices (suburbs / average prices) 100 to 110 euros per sqm (m²) / duty free Renting existing offices (suburbs / average prices) 90 to 100 euros per sqm (m²) / duty free Source: local Authorities JUNE 2009 25
  26. 26. E-TRANSACTIONS PROJECT: NORMANDY ormandy:Normandy: industry in figures 5.4. Industry in figures Figures as of 1st January 2005 res as of 1st January 2005 Haute Normandie Basse Normandie Industry (number of establishments) (%) (%) Region/France Region/France Food-processing 1,892 2,6 2,145 2,9 Consumer goods 1,295 1,6 1,351 1,6 Clothing, leather 149 1,0 174 1,1 Publishing, printing, reproduction 496 1,5 463 1,4 Pharmaceuticals, perfumes, cleaning products 60 2,4 34 1,4 Household equipment 590 1,9 680 2,2 Automotive 89 3,3 87 3,2 Machinery & Equipment 1,305 2,6 977 2,0 Ship and boat building, aeronautics and rail 43 1,2 93 2,7 Mechanical equipment 907 3,0 629 2,1 Electronic and Electrical equipment 355 2,3 255 1,6 Intermediate goods 1,903 2,5 1,557 2,0 Mineral products 303 1,8 346 2,1 Textile 76 1,3 74 1,3 Wood and paper 240 1,8 286 2,2 Plastics, rubber, chemicals 311 3,4 183 2,0 Metal transformation and Metallurgy 844 3,2 595 2,3 Electronic and Electrical components 129 2,7 73 1,5 Total of Industry (except energy) 6,484 2,3 6,117 2,1 Construction 7,852 2,1 8,234 2,2 Total of Industry and Construction 14,336 2,2 14,351 2,2 Source: INSEE - Sirene File Normandie Développement - March 2008 5 JUNE 2009 26
  27. 27. E-TRANSACTIONS PROJECT: NORMANDY 5.5. Normandy: Infrastructures ������ ���������� �������� ������� ��������������������������� ������� ������ ���� ��������� ����������� ����������� ������ �������� �� �������� � � ����� Highly developed transportation network �������������������� ���������� ����������������������������� �������� �������� ����� � ���������������������������� ������������������������������ ���� ����������� ���������������������������� �� ������������������������������������������������������������������������� ������������������������� �� � ������������������������������� ��� ������������������������������������������������������� ������������������������������� �� ����� �� � � � �������������������������������������������� Cross Channel best transit time �������� ��������� ��������� ���������������� ���������� �������������������� ������������� ��� �� � ���������� ��������� PORTS CROSSING ������ ���� ������������� � ������ ��� ��������� ������ Le Havre-Newhaven (April-Sept.) 4h00 � ������ �� �� ��� Le Havre-Portsmouth 5h30 ��� ���� �������� ����������� ����� �� �� ��������� Caen-Portsmouth 3h45 ������ ���������� �������� �������� ���� ���� Cherbourg-Portsmouth 2h45 ����� ������� �������� �������� ������ ������� ����� �� ������ Cherbourg-Poole 2h00 �� �������� � ��������� ������ �� ������ � ��� ��������� ���� ����� ������� ����� ������� ���������� ��������� �������� �� ���������� ����� �� ������������������ ����������� ���� �� � ������� �������� ���� ����� ��� ���� ������ ���� ����� ���� � ���� ���� ����� ROAD AIRPORT RAILWAY ������� From Caen to Paris 2h15 Paris-Orly 50 mn . Paris 1H50 . CDG Airport From Rouen to Paris 1h15 .Main European cities via Lyon . Paris 1h10 .International airports of Paris . CDG Airport .Bordeaux, Nantes, Rennes . Lyon 3h50 From Le Havre to Paris 1h45 .London . Paris 2h00 .Main European cities via Clermont- . CDG Airport Ferrand .International airports of Paris .Bordeaux, Nantes, Rennes From Cherbourg to Paris 3h30 .Cherbourg-Paris 1h00 Paris 3h00 JUNE 2009 27

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