Tempo reported strong financial results in 2Q08, with net revenue increasing 27% to R$169 million and EBITDA growing 87% to R$18.9 million. The health segment saw revenue growth of 37% and a 15.5% EBITDA margin. The dental segment, including recent acquisitions, grew revenue 202% with a 24.7% EBITDA margin. The assistance segment grew revenue 13% with an 11.7% EBITDA margin. Tempo continues to grow organically and through acquisitions while maintaining asset-light operations.
For many years we have heard about the impending death of URLs that are difficult to type, remember and preserve. The use of URLs has actually improved little thus far, but changes are afoot in both development practices and Web server technology that should help advance URLs to the next generation.
For many years we have heard about the impending death of URLs that are difficult to type, remember and preserve. The use of URLs has actually improved little thus far, but changes are afoot in both development practices and Web server technology that should help advance URLs to the next generation.
Imagine 포토에세이: 표시되지 않는 구역 슬럼 _김호수
Good news 굿뉴스: 깃발 게양을 이유로 투옥된 인도네시아 양심수 석방돼/이집트인 블로거 무사아드 아부 파그르 석방되다/아르헨티나, 동성결혼 합법화해/터키, 반테러법 위반 혐의 아동시위자 기 소 중단해/벨라루스, 양심에 따른 병역 거부자 석방해/슬로바키아 정부, 격리 교육 중단을 약속하다/멕시코 선주민 인권활동가 석방되다/페루, 과거 범죄 불처벌법을 거부하다/에티오피아 야당 지도자 석방되다
Cover story 특집: 들리지 않는 진실: 슬럼
Interview 씨줄과 날줄:인권활동가 박래군이 말하는 슬럼과 인권
Amnesty news 앰네스티 뉴스:첫발 내디딘 (((나는 존엄하다)))캠페인/ 지부활동소식/회원활 동소식
Opinion 여론: 시론:새천년개발목표 달성의 열쇠는 인권에 있다/살릴 셰티, 국제앰네스티 사무 총장
Welcome 신입회원명단
Act now 행동하세요:나도 할 수 있다, 캠페인! 제 1부 “캠페인 기획하기”
Member zone 회원공간: ICM준비모임공고 / Quiz
Board news 이사회 소식
Accounting report 회계보고
SANTANDER CONSUMER FINANCE-SANTANDER INVESTOR DAY 2011BANCO SANTANDER
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Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
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Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
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2. Business segments
Assistance
Health Segment Dental Segment
Services
Dental HMO
Healthcare Administration Services
Assistance Services
Ranking: #1 Ranking: #4
Ranking: #1
Number of lives: 1.37 million Number of lives: 695 thousand
Number of items: 19.3 million
No underwriting risk. Fee business Underwriting of frequency risk
Underwriting of frequency risk
only.
Shared structure
Network management – Contact Center – Claims processing
2
3. Recent events
ACQUISITION DENTAL – Tempo announced on June 9, 2008 the acquisition of
Prevdonto (Plano de Assistência Odontológica Unidonto Ltda.), a dental benefit plan
company that offers services to approximately 130 thousand beneficiaries in the
northern part of Brazil.
ACQUISITION HEALTH – Tempo announced on June 6, 2008 the acquisition of a
home care company called Staff Builders. This acquisition made Tempo the leader in
the home care market. Tempo then created Efectiva Saúde Gerenciada in order to
consolidate the HomeCare business as one company.
CONTRACT WITH MARÍTIMA SEGUROS - On June 12, 2008, Tempo and Marítima
Seguros finalized a service providing contract in the Specialized Assistance Segment.
Through this contract, Tempo will offer its Specialized Assistance services to over
500,000 insured items pertaining to Marítima.
3
5. Tempo posts 87.2% increase in EBITDA
Earnings - Tempo (R$MM)
Net Revenue - Tempo (R$MM) EBITDA - Tempo (R$MM)
11.2%
7.5%
16,5
18,9
169,0
134,1 7,2
10,1
2Q07A 2Q08A
2Q07A 2Q08A 2Q07A 2Q08A
EBITDA EBITDA margin
NET REVENUES EBITDA EARNINGS
Economies of scale and
Solid volume growth in all synergies continue to boost Low effective tax rate and
business segments margins financial results improved
Earnings
5
6. Health segment
EBITDA- Health (R$MM)
Net Revenue - Health (R$MM) General and Administrative Expenses - Health (R$MM)
15,5% 8,0%
13,9%
3,6%
7,9
99,0 13,8
11,2
72,6
2,6
2Q07A 2Q08A 2Q07A 2Q08A
2Q07A 2Q08A
General and Administrative Expenses Expense Margin
EBITDA EBITDA margin
REVENUES SG&A EBITDA
Revenue growth driven by Dilution continues EBITDA powered by growth
lives increase and Home and M&A
Care acquisition
6
7. Dental segment: 2008 pro forma results
Net Revenue- Dental (R$MM) Cost of Rendered Services - Dental (R$MM) EBITDA - Dental (R$MM)
55,7% 24,7%
46,0% 17,9%
18,2 4,5
11,9
5,4 3,4 1,0
2Q07A 2Q08A 2Q07A 2Q08A
2Q07A 2Q08A
Cost of Rendered Services Loss Ratio (%)
EBITDA EBITDA margin
REVENUES LOSS RATIO EBITDA
Strong top line growth Significant improvement in Continues EBITDA margin
powered by M&A and solid loss ratio expansion
organic growth
All figures in this slide take into consideration the acquisitions made in 2007 and consolidated into the Company's financials starting
January 1st, 2008 even though they were waiting for approval by ANS.
7