Investimentos da Indústria de Base Florestal, por João Comério - Diretor Exec...Instituto Besc
MADEIRA 2008 - Congresso Internacional de Desenvolvimento Econômico da Industria de Base Florestal e de Geração de Energia, 10 e 11 de Dezembro, Hotel Plaza São Rafael, Porto Alegre - RS
Investimentos da Indústria de Base Florestal, por João Comério - Diretor Exec...Instituto Besc
MADEIRA 2008 - Congresso Internacional de Desenvolvimento Econômico da Industria de Base Florestal e de Geração de Energia, 10 e 11 de Dezembro, Hotel Plaza São Rafael, Porto Alegre - RS
Dalam Kajian Islam ada Istilah Ma'rifat atau pengetahuan, tahu , mengenal. Maka Ma'rifatullah bisa diartikan mengenal Allah melalui ayat-ayat Nya baik ayat
La gestion de l’identité numérique, appelée également e-réputation, constitue aujourd’hui un enjeu essentiel pour une entreprise, quel que soit son secteur d’activité. En effet, une atteinte à la réputation est susceptible d’avoir un impact très négatif sur le résultat d’une entreprise et peut même dans certains cas entraîner sa faillite. Les exemples sont hélas nombreux d’entreprises mal préparées à la gestion de telles crises qui n’ont su ni anticiper leur apparition, ni en maîtriser les effets, du moins autant que faire se peut.
L’explosion des sources numériques avec l’avènement d’Internet et aujourd’hui du Web 2.0 a complètement transformé l’univers de la communication d’entreprise. Une rumeur sur une société ou un produit peut se propager en quelques heures dans le monde entier, faisant parfois plonger le cours de bourse d’une entreprise de 20% en une journée ; une action de dénigrement peut entacher l’image d’une entreprise durant plusieurs années ; des critiques de consommateurs sur un produit peuvent en faire chuter les ventes. Le virtuel impacte le réel et surtout l’économie.
Par la réalisation de ce guide, le GFII (Groupement Français de l’Industrie de l’Information), a souhaité concevoir un outil destiné aux dirigeants d’entreprises et aux cadres concernés par ce sujet, afin de les accompagner dans la gestion de crises portant atteinte à l’identité numérique de leur société.
http://www.gfii.asso.fr/article.php3?id_article=3259
- CSU reported strong 4Q07 results with revenue growth of 5.8% and EBITDA growth of 121.5% compared to 4Q06.
- The number of registered cards grew to 16.6 million, up 37.2% while the overall market grew 18.1%.
- CardSystem/MarketSystem saw increases in gross profit margin and EBITDA margin compared to 4Q06 and was the largest revenue contributor.
- Telemarketing and credit saw a revenue decline but profitability gains in gross profit and EBITDA.
- Investments were made in developing Caixa's operating platform and issuing new cards.
El documento es una orden de movilización para cuatro funcionarios de la Subsecretaría de Acuacultura que deben trasladarse a la provincia de Zamora para participar en una feria amazónica los días 27 y 28 de octubre. Se transportarán en una camioneta institucional y solicitan viáticos para los gastos del viaje.
CSU is the largest independent administrator of credit cards in Brazil, processing over 142 million transactions annually and managing over 12.8 million cards, capturing 44% of the market share. In 2005, CSU reported revenues of R$336 million and a gross profit of R$64 million, with the majority coming from their card services segment. CSU provides a fully outsourced solution to card administration and other services for its clients, and has established itself as a leading player in related markets such as call centers and collections. The company has a premium client portfolio and a track record of strong growth and contract renewals.
Dalam Kajian Islam ada Istilah Ma'rifat atau pengetahuan, tahu , mengenal. Maka Ma'rifatullah bisa diartikan mengenal Allah melalui ayat-ayat Nya baik ayat
La gestion de l’identité numérique, appelée également e-réputation, constitue aujourd’hui un enjeu essentiel pour une entreprise, quel que soit son secteur d’activité. En effet, une atteinte à la réputation est susceptible d’avoir un impact très négatif sur le résultat d’une entreprise et peut même dans certains cas entraîner sa faillite. Les exemples sont hélas nombreux d’entreprises mal préparées à la gestion de telles crises qui n’ont su ni anticiper leur apparition, ni en maîtriser les effets, du moins autant que faire se peut.
L’explosion des sources numériques avec l’avènement d’Internet et aujourd’hui du Web 2.0 a complètement transformé l’univers de la communication d’entreprise. Une rumeur sur une société ou un produit peut se propager en quelques heures dans le monde entier, faisant parfois plonger le cours de bourse d’une entreprise de 20% en une journée ; une action de dénigrement peut entacher l’image d’une entreprise durant plusieurs années ; des critiques de consommateurs sur un produit peuvent en faire chuter les ventes. Le virtuel impacte le réel et surtout l’économie.
Par la réalisation de ce guide, le GFII (Groupement Français de l’Industrie de l’Information), a souhaité concevoir un outil destiné aux dirigeants d’entreprises et aux cadres concernés par ce sujet, afin de les accompagner dans la gestion de crises portant atteinte à l’identité numérique de leur société.
http://www.gfii.asso.fr/article.php3?id_article=3259
- CSU reported strong 4Q07 results with revenue growth of 5.8% and EBITDA growth of 121.5% compared to 4Q06.
- The number of registered cards grew to 16.6 million, up 37.2% while the overall market grew 18.1%.
- CardSystem/MarketSystem saw increases in gross profit margin and EBITDA margin compared to 4Q06 and was the largest revenue contributor.
- Telemarketing and credit saw a revenue decline but profitability gains in gross profit and EBITDA.
- Investments were made in developing Caixa's operating platform and issuing new cards.
El documento es una orden de movilización para cuatro funcionarios de la Subsecretaría de Acuacultura que deben trasladarse a la provincia de Zamora para participar en una feria amazónica los días 27 y 28 de octubre. Se transportarán en una camioneta institucional y solicitan viáticos para los gastos del viaje.
CSU is the largest independent administrator of credit cards in Brazil, processing over 142 million transactions annually and managing over 12.8 million cards, capturing 44% of the market share. In 2005, CSU reported revenues of R$336 million and a gross profit of R$64 million, with the majority coming from their card services segment. CSU provides a fully outsourced solution to card administration and other services for its clients, and has established itself as a leading player in related markets such as call centers and collections. The company has a premium client portfolio and a track record of strong growth and contract renewals.
This document provides a summary of 3Q07 results for a company called CSU. It discusses positive trends in the business market for debit, private label, and credit cards. Operational data shows growing registered card bases and new card entry volumes. Financial trends indicate increased gross revenue and EBITDA for both the CardSystem/MarketSystem and TeleSystem/CreditRisk units. The document also notes the completion of a platform development project with Caixa and expectations to implement a test plan and migrate card bases in 1H08. Overall, the results presentation outlines growth and improved financial performance across CSU's business units.
CSU is a leading technology services provider in Brazil, with a 44% market share in credit card administration. The presentation discusses CSU's business units and provides an overview of the company and the credit card industry in Brazil. CSU had revenues of R$357 million in 2005, with 33% coming from its CardSystem business unit. The company completed an IPO in 2006, listing on the Bovespa and raising R$341 million in primary and secondary offerings to fund expansion.
The document provides an overview of CSU CARDSYSTEM S.A.'s cards markets, operational data, and financial performance. Some key points:
1) CSU's card base is growing faster than the overall market, at 18.4% growth in the last 12 months. There is an increasing trend of replacing private label cards with hybrid cards.
2) CSU issued over 6.4 million new cards in the last 12 months. Flex cards are taking a larger share of total card issues.
3) CSU's processing accounts grew 4.9% compared to the previous quarter, reaching 3.1 million accounts.
4) CSU's card processing revenues and margins
1) CSU's cards business (CardSystem) has grown faster than the overall cards market in Brazil in recent years, with a 26% average annual growth rate over the past 3 years compared to 20.9% for the market.
2) CSU's processing unit (MarketSystem) has also experienced consistent growth in the number of accounts managed, reaching 2.65 million accounts in 1Q09 solely through organic growth.
3) CSU's call center units (TeleSystem and Credit&Risk) have expanded their operations to meet increased demand, with the number of workstations growing year-over-year despite an optimization of operations.
TeleSystem and Credit&Risk is a leading credit card and call center outsourcing company in Brazil that has experienced strong growth, with revenues increasing by 28% annually between 2001-2006 and net profits of R$16.1 million in 2006. The company has a leading market share in credit card processing and call center services, and sees opportunities for continued growth through expanding its existing businesses, pursuing new clients and markets, and cross-selling opportunities across its business units.
Ubs pactual 2007 brazil ceo conference ingCSURIWEB
The document is a presentation by UBS Pactual about UBS Pactual's Brazilian operations. It discusses UBS Pactual's leading position in Brazil as the largest independent administrator of credit cards and leading independent call center. It also outlines the attractive growth fundamentals of the credit card and call center industries in Brazil and UBS Pactual's diversification and opportunities from its core credit card business.
O documento resume os resultados financeiros da CSU CardSystem no 2T13, destacando:
1) Lucro líquido de R$0,5 milhões, revertendo prejuízo do trimestre anterior;
2) Aumento de 6,3% na margem EBITDA em relação ao 1T13;
3) Maior emissão mensal de cartões dos últimos 2 anos.
- CSU CardSystem reported a net income of R$0.5 million in 2Q13, reversing the loss in 1Q13, with an increase in EBITDA margin of 6.3 percentage points.
- Gross revenue grew 9.0% over 1Q13, with 900,000 new cards issued in May 2013, the largest monthly issuance in two years.
- New clients were acquired for the Opte+ platform and CSU Contact, while costs were reduced through an implementation program.
CSU completed 20 years of operations in 2012 and evolved into a full service provider of electronic transaction processing and administration. The company expanded into new fast-growing markets with profitable products and services. CSU achieved similar financial results in 2012 as in 2011, with margin expansion, generating R$64.8 million in EBITDA and R$22.2 million in net income for the year. Key business units grew customer bases, transactions and service offerings despite losing a large contract. The company maintained investments in innovative solutions and infrastructure while reducing expenses.
- A CSU apresentou resultados financeiros estáveis em 2012 com EBITDA de R$ 64,8 milhões e lucro líquido de R$ 22,2 milhões. No 4T12 a receita bruta foi de R$ 93,6 milhões com lucro líquido de R$ 3,2 milhões.
- Em 2012 a média de cartões cadastrados na CSU CardSystem foi de 19,9 milhões. A CSU Contact expandiu sua margem bruta para 12,4% no 4T12 operando 3,9 mil posições de atendimento.
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O documento resume os resultados financeiros do 3T12, destacando a melhoria nas margens de lucro, o crescimento consistente da margem bruta da unidade de negócios CSU Contact e o aumento de 28,8% no lucro líquido em relação ao ano anterior.
- CSU improved profitability in 3Q12 with net margin of 6.0% and EBITDA margin of 17.8%
- CSU is focusing on commercial expansion to leverage existing assets and enter new markets and segments
- CSU aims to launch new high-technology products with profitability by the end of 2012 to drive growth
1) O documento resume os resultados do 3T12, com melhoria nas margens de lucro e expansão consistente na margem bruta da unidade de negócios CSU Contact.
2) A estratégia da empresa foca na expansão e diversificação de receitas, consolidando o posicionamento da CSU como provedora de soluções completas de transações eletrônicas.
3) A empresa direciona seus esforços para a expansão comercial, retomada do crescimento, e lançamento de novos produtos inovadores ainda em 2012.
O documento descreve a história de 20 anos do Grupo CSU no mercado brasileiro de pagamentos eletrônicos, estabelecendo quatro divisões de negócios e consolidando uma base sólida de clientes. O mercado de cartões no Brasil experimentou forte crescimento nos últimos anos e o Grupo CSU se posiciona para aproveitar novas oportunidades com a abertura do mercado de adquirência a mais concorrentes.
1) CSU is a leading provider of technology and business process outsourcing services in Brazil, with a 20 year track record and 20 million card accounts processed.
2) It operates the largest independent electronic payments processing platform in Brazil with a 44% market share among independent processors.
3) CSU offers a full range of services to card issuers and acquirers, including authorization, processing, customer service, and data analytics.
O documento apresenta a agenda do evento CSU Day 2012. A agenda inclui uma seção sobre a CSU, suas unidades de negócios de meios eletrônicos de pagamento, marketing services e contact center. Também inclui seções sobre a CSU por dentro, perspectivas para os mercados e slides adicionais.
- CSU reported strong growth in 2Q12, with EBITDA expanding 19.7% and the EBITDA margin rising to 20.2%
- Gross revenues totaled R$103.5 million and the gross margin increased to 25.7%
- New contracts were signed to issue cards with Banco do Nordeste and Banpará that will generate over R$70 million in revenues
1) A empresa teve expansão de 19,7% no EBITDA e aumento da margem EBITDA para 20,2% no trimestre.
2) A receita bruta totalizou R$103,5 milhões e a margem bruta elevou-se para 25,7%.
3) Novos contratos foram assinados para emissão de cartões com Banco do Nordeste e Banpará.
The document summarizes the history and operations of CSU Group, an independent company providing outsourced management and processing services for electronic payments. It discusses the company's four business divisions: payment processing and management, business process management for credit card acquirers, marketing solutions, and contact center/BPO management. It then provides details on CSU's focus on excellence in customer care through recruiting, training, management, and talent retention practices as well as its technological infrastructure and contact center operations.
O documento descreve a história e as operações do Grupo CSU, uma empresa pioneira em soluções de terceirização de processos de negócios no Brasil. O Grupo CSU possui quatro divisões de negócio e oferece serviços como processamento de pagamentos, gestão de processos, marketing digital e soluções de contact center. A empresa é reconhecida por sua excelência no atendimento, focando no desenvolvimento e retenção de talentos por meio de treinamentos, benefícios e oportunidades de carreira.
Twenty years ago, CSU Group was founded in Brazil to support banks and retailers in issuing credit cards. Since then, CSU Group has grown to become a leading provider of payment processing and customer engagement solutions. It now has operations across multiple Brazilian cities and has trained over 18,000 students through its social programs. CSU Group aims to provide innovative, high-quality solutions through its four divisions: payment processing, business process management, marketing solutions, and contact center management.
O documento descreve a história de 20 anos do Grupo CSU no Brasil. Ele foi pioneiro em fornecer soluções de terceirização e processamento de pagamentos para bancos e varejistas. Ao longo dos anos, o Grupo CSU expandiu suas operações e serviços, estabelecendo unidades em todo o país e conquistando reconhecimento no mercado por meio de prêmios e certificações. Atualmente, o Grupo CSU opera em quatro divisões de negócios relacionadas a pagamentos, fidelidade, contact center e ter
This document provides an overview of CSU CardSystem S/A, a Brazilian company with four business divisions: payment processing, business process management, solutions provider, and contact center management. It summarizes CSU's achievements in 2011, including resumed growth, successful migrations, alliances with banks/issuers, and the launch of new products. It outlines CSU's priorities for 2012, including expanding partnerships and product offerings, and increasing the use of new technologies. The document also discusses CSU's continuous investments in technology and healthy capital structure.
O documento descreve a história de 20 anos do Grupo CSU no mercado brasileiro de pagamentos eletrônicos, estabelecendo quatro divisões de negócios e consolidando uma base sólida de clientes. Ele também discute o crescimento do uso de cartões no Brasil e a nova regulamentação do mercado de adquirência, criando novas oportunidades competitivas.
- Gross revenue for the quarter totaled R$109.8 million, a 6% increase over the previous year's quarter. Key growth indicators like revenue, net profit, and EBITDA increased.
- The number of cards processed reached 25.3 million, up 26.5% year-over-year. APs at CSU Contact increased 21.3% annually.
- For the first nine months of 2011, gross revenues totaled R$319.3 million, up 1.4% over the same period in 2010, demonstrating the company's resiliency with increasing growth and profitability.
O documento resume os resultados financeiros da CSU CardSystem no 3T11. A receita bruta atingiu R$ 109,8 milhões, um recorde, 6% maior do que no 3T10. A CSU Contact teve aumento de 40,4% no lucro bruto. Foram processados 25,3 milhões de cartões, um crescimento de 26,5% em 12 meses.