LPS Brasil is a Brazilian real estate brokerage and consulting firm with over 75 years of experience. It has achieved significant growth and industry awards, becoming the largest real estate brokerage in Brazil. LPS has a simple and focused business model serving the primary, secondary, and mortgage markets with an experienced management team and national footprint. It has scaled down operations to adapt to changing market conditions while maintaining a low-risk, cash generating business.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil. It has a unique business platform consisting of primary market brokerage services, secondary market brokerage, and CrediPronto, its mortgage lending subsidiary. LPS Brasil has achieved significant industry awards and recognition over its 80+ year history. It has a track record of identifying attractive real estate markets early and a strategic focus on expanding its geographic reach.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with a long track record of success. It has achieved several awards recognizing its aggressive expansion strategies and leadership position in real estate marketing. The company was founded in the 1930s and has launched many pioneering real estate developments over the decades, establishing itself as the largest and most experienced player in the industry. It now has a unique business platform integrating primary and secondary real estate brokerage with mortgage lending, diversified across client segments and geographic regions.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with a long track record of success. It has received several awards recognizing its achievements and growth. The company has a unique business platform that includes primary and secondary real estate brokerage markets as well as mortgage loans through a joint venture, providing an end-to-end real estate solution. LPS Brasil has established itself as the largest and most experienced player in the industry through its scale, national footprint, and diversified client base.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its aggressive M&A strategies that have expanded its business across Brazil. LPS has an experienced management team and track record of success, with unmatched scale and national reach as the largest distribution channel in the industry. It has a simple, focused business model in primary, secondary, and mortgage markets that generates recurring cash flow from a diversified client base, making it a low risk company.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its assertive M&A strategy and leadership in the industry. LPS has an experienced management team, a simple and focused business model, unmatched scale and national reach, and a low risk business with a diversified client base, positioning it well for continued success.
Lopes has expanded its operations nationwide through both acquisitions and greenfield operations. It now has a presence in all major Brazilian states and regions. The company focuses on providing brokerage and advisory services across all real estate market segments, from high-end to affordable housing. Lopes' Habitcasa brand specifically targets the low-income segment with properties priced up to R$180 thousand. Habitcasa has become the largest player in sales for the affordable housing market in Brazil.
Lopes is a leading real estate brokerage firm in Brazil with over 6,000 brokers and a national presence. It focuses on providing brokerage services to real estate developers across all market segments, from high-income to low-income. For the low-income segment, Lopes operates Habitcasa, which specializes in sales of properties priced up to R$180,000. Habitcasa has become the largest player in the low-income segment with over 9,600 units sold in the first nine months of 2009 and an average selling price of R$128,000. Lopes' scale, brand recognition, and expertise allow it to effectively serve developers and buyers across Brazil.
The document provides an overview of LPS Brasil, a leading real estate brokerage firm in Brazil. It highlights LPS Brasil's long track record in the industry, experienced management team, nationwide scale and reach through acquisitions and greenfield operations, and focus on value-added services across the real estate development cycle. The business model focuses on brokerage services to developers and buyers in primary and secondary markets across all segments, including a specialized brand for the low income segment.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil. It has a unique business platform consisting of primary market brokerage services, secondary market brokerage, and CrediPronto, its mortgage lending subsidiary. LPS Brasil has achieved significant industry awards and recognition over its 80+ year history. It has a track record of identifying attractive real estate markets early and a strategic focus on expanding its geographic reach.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with a long track record of success. It has achieved several awards recognizing its aggressive expansion strategies and leadership position in real estate marketing. The company was founded in the 1930s and has launched many pioneering real estate developments over the decades, establishing itself as the largest and most experienced player in the industry. It now has a unique business platform integrating primary and secondary real estate brokerage with mortgage lending, diversified across client segments and geographic regions.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with a long track record of success. It has received several awards recognizing its achievements and growth. The company has a unique business platform that includes primary and secondary real estate brokerage markets as well as mortgage loans through a joint venture, providing an end-to-end real estate solution. LPS Brasil has established itself as the largest and most experienced player in the industry through its scale, national footprint, and diversified client base.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its aggressive M&A strategies that have expanded its business across Brazil. LPS has an experienced management team and track record of success, with unmatched scale and national reach as the largest distribution channel in the industry. It has a simple, focused business model in primary, secondary, and mortgage markets that generates recurring cash flow from a diversified client base, making it a low risk company.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its assertive M&A strategy and leadership in the industry. LPS has an experienced management team, a simple and focused business model, unmatched scale and national reach, and a low risk business with a diversified client base, positioning it well for continued success.
Lopes has expanded its operations nationwide through both acquisitions and greenfield operations. It now has a presence in all major Brazilian states and regions. The company focuses on providing brokerage and advisory services across all real estate market segments, from high-end to affordable housing. Lopes' Habitcasa brand specifically targets the low-income segment with properties priced up to R$180 thousand. Habitcasa has become the largest player in sales for the affordable housing market in Brazil.
Lopes is a leading real estate brokerage firm in Brazil with over 6,000 brokers and a national presence. It focuses on providing brokerage services to real estate developers across all market segments, from high-income to low-income. For the low-income segment, Lopes operates Habitcasa, which specializes in sales of properties priced up to R$180,000. Habitcasa has become the largest player in the low-income segment with over 9,600 units sold in the first nine months of 2009 and an average selling price of R$128,000. Lopes' scale, brand recognition, and expertise allow it to effectively serve developers and buyers across Brazil.
The document provides an overview of LPS Brasil, a leading real estate brokerage firm in Brazil. It highlights LPS Brasil's long track record in the industry, experienced management team, nationwide scale and reach through acquisitions and greenfield operations, and focus on value-added services across the real estate development cycle. The business model focuses on brokerage services to developers and buyers in primary and secondary markets across all segments, including a specialized brand for the low income segment.
This presentation summarizes Lopes' operational and financial results for 4Q12 and full year 2012. Key highlights include:
- Total transactions closed reached R$19 billion in 2012, a 4% increase over 2011.
- CrediPronto! reached profitability in November 2012 and originated R$1.5 billion in mortgage loans in 2012, up 18% over 2011.
- Net revenue increased 5% to R$423 million while EBITDA grew 9% to R$146.7 million in 2012 compared to 2011.
- Net income of controlling shareholders before IFRS was R$86.2 million, an 11% increase over 2011.
This document provides an overview of LPS Brasil, a real estate consulting and brokerage firm in Brazil. Some key points:
- LPS Brasil has established itself as the largest real estate brokerage firm in Brazil with over 300 homebuilder clients and a presence in 10 states.
- The company has diversified its business model through acquisitions in the primary and secondary markets as well as a joint venture with Itaú bank to provide mortgage loans.
- In 2012, LPS Brasil closed total real estate transactions of R$19 billion, a 4% increase over 2011, with approximately half of transactions from the primary market.
LPS Brasil is acquiring the brokerage business of Itaplan Imóveis for R$29.2 million. The acquisition includes a 51% stake in the business. Itaplan is a large real estate broker in São Paulo and this acquisition will expand LPS Brasil's brokerage platform. Projections estimate that the acquisition will increase LPS Brasil's sales volumes and margins over the next four years. The payment for the acquisition will be made in installments over four years based on Itaplan's performance metrics.
The document provides an overview of LPS Brasil's 2013/4Q13 presentation. It summarizes the following key points:
1) LPS Brasil had its best year ever in 2013 with total transactions of R$19.9 billion, including a record R$14.9 billion in the primary market.
2) Net revenue reached R$503.8 million, up 22% from 2012. Adjusted EBITDA was R$171.9 million, the best result achieved by the company.
3) CrediPronto! originated a volume of R$2 billion in mortgages, up 34% from 2012. Its mortgage loan portfolio reached R$4 billion, increasing 45
The document provides an overview of LPS Brasil's 2013/4Q13 presentation. It summarizes the following key points:
1) LPS Brasil had its best year ever in 2013 with total transactions closed reaching R$19.9 billion, including a record R$14.9 billion in the primary market.
2) Net revenue was R$503.8 million, up 22% from 2012. EBITDA was R$222.4 million and adjusted EBITDA was R$171.9 million, both record highs for the company.
3) CrediPronto! originated a volume of R$2 billion in mortgages, up 34% from 2012, and
Photo Sharing – The Basics For 23 Things KsPatti Poe
This document provides step-by-step instructions for uploading photos to Flickr and inserting images into blog posts. It outlines 8 steps for setting up a Flickr account and uploading photos, including choosing photos, selecting files, clicking upload, adding descriptions and tags, and organizing photos. It then describes how to insert an image into a WordPress blog post by clicking the upload/insert image icon, selecting a file, and clicking insert into post. The document encourages playing with image alignment and size and provides tips for editing photos before uploading.
The document summarizes efforts in Kansas to automate and connect public libraries across the state through regional consortia projects. Several regional projects were launched between 2005-2008 using various systems like Koha and SirsiDynix to automate over 30 small public libraries. This created shared catalogs, interlibrary loan, and a "virtual" statewide catalog. The State Library of Kansas provided grants and a federated search tool to help libraries overcome barriers to automation.
The document summarizes new services and projects from the State Library of Kansas. It discusses a new federated search feature, additional databases, audio books in mp3 and iPod formats, an improved Kansas library catalog, an enhanced WebJunction site with Twitter integration, an improved Homework Kansas site, HD video conferencing capabilities, an E-rate summit, and plans to improve interlibrary loan and resource sharing. The document provides details on many of these new initiatives and services and encourages questions.
LPS Brasil is acquiring a 51% stake in Eduardo Imóveis, a real estate brokerage firm operating in Mogi das Cruzes, São Paulo, for an initial payment of R$10.2 million. The acquisition will help LPS Brasil expand into the secondary real estate market in other São Paulo cities. Eduardo Imóveis has 130 brokers and operates in both primary and secondary markets. CrediPronto will now have an exclusive partnership with Eduardo Imóveis to provide mortgages to its clients. Projections estimate the acquisition will generate R$231 million in total sales by 2014.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its aggressive M&A strategies that have expanded its business across Brazil. LPS has an experienced management team and track record of success, with unmatched scale and national footprint as the main distribution channel in the industry. It operates a simple and focused business model in the primary, secondary, and mortgage loan markets, providing a low risk, diversified and cash generating business platform.
1. LPS achieved record transactions of R$4.4 billion in 1Q13, up 9% from 1Q12, with net revenue growing 15% to R$98.7 million and EBITDA increasing 24% to R$30.9 million.
2. CrediPronto's mortgage portfolio balance grew 50% compared to 1Q12, reaching R$2.986 billion.
3. Launches segment net income before IFRS was R$23.7 million, up 33% from 1Q12, while Pronto segment net income was R$0.663 million, an increase of 393% from 1Q12.
This is a presentation that I gave to education students at Ningbo Polytechnic. The pedagogical perspective relates to the three core Moodle functional areas - delivering content, collaboration & communication, and delivering assessments.
Evaluating the Impact of an eLearning Strategy on the Quality of Teaching and...Iain Doherty
This is a presentation that I gave at the CITE 2012 Research Symposium at The University of Hong Kong. Essentially the presentation makes a case for the need to look at learning experiences and learning outcomes in order to truly determine whether or not an eLearning strategy has been effective. In other words, Moodle generated data will not do the trick.
The document provides an overview of LPS Brasil, a real estate brokerage firm operating in Brazil. It highlights LPS Brasil's long history and leadership position in the Brazilian real estate market. The summary also notes that LPS Brasil has a simple and focused business model providing brokerage services to property developers while also operating in the primary, secondary, and mortgage loan markets.
Lopes is the largest real estate brokerage company in Brazil with over 75 years of experience. It has a nationwide presence through acquisitions and greenfield operations in 27 states. Lopes focuses on providing brokerage services to developers across all market segments from high-income to low-income. It has specialized its Habitcasa brand to focus on the growing low-income housing segment with units priced up to R$180 thousand. Lopes has a simple and low-risk business model of earning commissions from real estate sales and advisory services.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil. It has a unique business platform consisting of primary and secondary market brokerage operations as well as a mortgage lending joint venture. LPS has a strong national footprint and expertise selling properties across all market segments. In the third quarter of 2012, LPS closed real estate transactions totaling R$5 billion, a 16% increase over the prior year.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A. It begins with legal disclaimers noting that the information is for informational purposes only and does not constitute an offer or solicitation. It then highlights LPS's long track record in the real estate brokerage industry in Brazil dating back to 1935. The presentation discusses LPS's business model, geographic expansion, focus on different market segments including low-income housing, mortgage services through a joint venture with Itaú bank, and the large potential market in Brazil due to housing shortage and growing income segments.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A ("Lopes") as of June 30th, 2010. It contains forward-looking statements and disclaimers, highlights Lopes' long track record and leadership position in the Brazilian real estate brokerage market, and summarizes Lopes' business model, expansion strategy, services offered, and performance in key market segments.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A. ("Lopes") as of June 30, 2010. It highlights Lopes' long history and track record in the Brazilian real estate brokerage market, its simple and focused business model, experienced management team, and nationwide scale and presence. It also summarizes Lopes' operations, competitive advantages, expansion into new market segments and geographic regions, and the opportunities presented by the growing Brazilian real estate and mortgage markets.
The document provides an institutional presentation for LPS Brasil for the 2nd quarter of 2013. It begins with disclaimers stating that the presentation does not constitute an offer of securities and contains forward-looking statements. It then highlights LPS Brasil's leadership position in the primary real estate brokerage market in Brazil, its unique platform in both the primary and secondary markets, and its joint venture with Itaú-Unibanco to provide mortgage loans through CrediPronto!. The presentation concludes by emphasizing LPS Brasil's solid sales performance, strong established client base, wide range of real estate products and services, and top management team in the industry.
This presentation summarizes Lopes' operational and financial results for 4Q12 and full year 2012. Key highlights include:
- Total transactions closed reached R$19 billion in 2012, a 4% increase over 2011.
- CrediPronto! reached profitability in November 2012 and originated R$1.5 billion in mortgage loans in 2012, up 18% over 2011.
- Net revenue increased 5% to R$423 million while EBITDA grew 9% to R$146.7 million in 2012 compared to 2011.
- Net income of controlling shareholders before IFRS was R$86.2 million, an 11% increase over 2011.
This document provides an overview of LPS Brasil, a real estate consulting and brokerage firm in Brazil. Some key points:
- LPS Brasil has established itself as the largest real estate brokerage firm in Brazil with over 300 homebuilder clients and a presence in 10 states.
- The company has diversified its business model through acquisitions in the primary and secondary markets as well as a joint venture with Itaú bank to provide mortgage loans.
- In 2012, LPS Brasil closed total real estate transactions of R$19 billion, a 4% increase over 2011, with approximately half of transactions from the primary market.
LPS Brasil is acquiring the brokerage business of Itaplan Imóveis for R$29.2 million. The acquisition includes a 51% stake in the business. Itaplan is a large real estate broker in São Paulo and this acquisition will expand LPS Brasil's brokerage platform. Projections estimate that the acquisition will increase LPS Brasil's sales volumes and margins over the next four years. The payment for the acquisition will be made in installments over four years based on Itaplan's performance metrics.
The document provides an overview of LPS Brasil's 2013/4Q13 presentation. It summarizes the following key points:
1) LPS Brasil had its best year ever in 2013 with total transactions of R$19.9 billion, including a record R$14.9 billion in the primary market.
2) Net revenue reached R$503.8 million, up 22% from 2012. Adjusted EBITDA was R$171.9 million, the best result achieved by the company.
3) CrediPronto! originated a volume of R$2 billion in mortgages, up 34% from 2012. Its mortgage loan portfolio reached R$4 billion, increasing 45
The document provides an overview of LPS Brasil's 2013/4Q13 presentation. It summarizes the following key points:
1) LPS Brasil had its best year ever in 2013 with total transactions closed reaching R$19.9 billion, including a record R$14.9 billion in the primary market.
2) Net revenue was R$503.8 million, up 22% from 2012. EBITDA was R$222.4 million and adjusted EBITDA was R$171.9 million, both record highs for the company.
3) CrediPronto! originated a volume of R$2 billion in mortgages, up 34% from 2012, and
Photo Sharing – The Basics For 23 Things KsPatti Poe
This document provides step-by-step instructions for uploading photos to Flickr and inserting images into blog posts. It outlines 8 steps for setting up a Flickr account and uploading photos, including choosing photos, selecting files, clicking upload, adding descriptions and tags, and organizing photos. It then describes how to insert an image into a WordPress blog post by clicking the upload/insert image icon, selecting a file, and clicking insert into post. The document encourages playing with image alignment and size and provides tips for editing photos before uploading.
The document summarizes efforts in Kansas to automate and connect public libraries across the state through regional consortia projects. Several regional projects were launched between 2005-2008 using various systems like Koha and SirsiDynix to automate over 30 small public libraries. This created shared catalogs, interlibrary loan, and a "virtual" statewide catalog. The State Library of Kansas provided grants and a federated search tool to help libraries overcome barriers to automation.
The document summarizes new services and projects from the State Library of Kansas. It discusses a new federated search feature, additional databases, audio books in mp3 and iPod formats, an improved Kansas library catalog, an enhanced WebJunction site with Twitter integration, an improved Homework Kansas site, HD video conferencing capabilities, an E-rate summit, and plans to improve interlibrary loan and resource sharing. The document provides details on many of these new initiatives and services and encourages questions.
LPS Brasil is acquiring a 51% stake in Eduardo Imóveis, a real estate brokerage firm operating in Mogi das Cruzes, São Paulo, for an initial payment of R$10.2 million. The acquisition will help LPS Brasil expand into the secondary real estate market in other São Paulo cities. Eduardo Imóveis has 130 brokers and operates in both primary and secondary markets. CrediPronto will now have an exclusive partnership with Eduardo Imóveis to provide mortgages to its clients. Projections estimate the acquisition will generate R$231 million in total sales by 2014.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil with over 75 years of experience. It has achieved significant growth and awards for its aggressive M&A strategies that have expanded its business across Brazil. LPS has an experienced management team and track record of success, with unmatched scale and national footprint as the main distribution channel in the industry. It operates a simple and focused business model in the primary, secondary, and mortgage loan markets, providing a low risk, diversified and cash generating business platform.
1. LPS achieved record transactions of R$4.4 billion in 1Q13, up 9% from 1Q12, with net revenue growing 15% to R$98.7 million and EBITDA increasing 24% to R$30.9 million.
2. CrediPronto's mortgage portfolio balance grew 50% compared to 1Q12, reaching R$2.986 billion.
3. Launches segment net income before IFRS was R$23.7 million, up 33% from 1Q12, while Pronto segment net income was R$0.663 million, an increase of 393% from 1Q12.
This is a presentation that I gave to education students at Ningbo Polytechnic. The pedagogical perspective relates to the three core Moodle functional areas - delivering content, collaboration & communication, and delivering assessments.
Evaluating the Impact of an eLearning Strategy on the Quality of Teaching and...Iain Doherty
This is a presentation that I gave at the CITE 2012 Research Symposium at The University of Hong Kong. Essentially the presentation makes a case for the need to look at learning experiences and learning outcomes in order to truly determine whether or not an eLearning strategy has been effective. In other words, Moodle generated data will not do the trick.
The document provides an overview of LPS Brasil, a real estate brokerage firm operating in Brazil. It highlights LPS Brasil's long history and leadership position in the Brazilian real estate market. The summary also notes that LPS Brasil has a simple and focused business model providing brokerage services to property developers while also operating in the primary, secondary, and mortgage loan markets.
Lopes is the largest real estate brokerage company in Brazil with over 75 years of experience. It has a nationwide presence through acquisitions and greenfield operations in 27 states. Lopes focuses on providing brokerage services to developers across all market segments from high-income to low-income. It has specialized its Habitcasa brand to focus on the growing low-income housing segment with units priced up to R$180 thousand. Lopes has a simple and low-risk business model of earning commissions from real estate sales and advisory services.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil. It has a unique business platform consisting of primary and secondary market brokerage operations as well as a mortgage lending joint venture. LPS has a strong national footprint and expertise selling properties across all market segments. In the third quarter of 2012, LPS closed real estate transactions totaling R$5 billion, a 16% increase over the prior year.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A. It begins with legal disclaimers noting that the information is for informational purposes only and does not constitute an offer or solicitation. It then highlights LPS's long track record in the real estate brokerage industry in Brazil dating back to 1935. The presentation discusses LPS's business model, geographic expansion, focus on different market segments including low-income housing, mortgage services through a joint venture with Itaú bank, and the large potential market in Brazil due to housing shortage and growing income segments.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A ("Lopes") as of June 30th, 2010. It contains forward-looking statements and disclaimers, highlights Lopes' long track record and leadership position in the Brazilian real estate brokerage market, and summarizes Lopes' business model, expansion strategy, services offered, and performance in key market segments.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A. ("Lopes") as of June 30, 2010. It highlights Lopes' long history and track record in the Brazilian real estate brokerage market, its simple and focused business model, experienced management team, and nationwide scale and presence. It also summarizes Lopes' operations, competitive advantages, expansion into new market segments and geographic regions, and the opportunities presented by the growing Brazilian real estate and mortgage markets.
The document provides an institutional presentation for LPS Brasil for the 2nd quarter of 2013. It begins with disclaimers stating that the presentation does not constitute an offer of securities and contains forward-looking statements. It then highlights LPS Brasil's leadership position in the primary real estate brokerage market in Brazil, its unique platform in both the primary and secondary markets, and its joint venture with Itaú-Unibanco to provide mortgage loans through CrediPronto!. The presentation concludes by emphasizing LPS Brasil's solid sales performance, strong established client base, wide range of real estate products and services, and top management team in the industry.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil. The document provides an overview of LPS Brasil's business highlights including its unique national footprint in the primary and secondary real estate markets, strong sales performance, established client base, experienced management team, and asset light business model. It also summarizes LPS Brasil's market leadership in real estate transactions, awards and recognition, and geographic mix of sales.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil that has over 75 years of experience in the industry. The document highlights LPS Brasil's strong position in the primary and secondary markets, its mortgage lending business through CrediPronto, and its goal to continue expanding its national footprint through acquisitions. LPS Brasil has a large sales force, a leading brand, and the largest website in the real estate sector in Brazil.
LPS Brasil is a leading real estate brokerage and consulting firm in Brazil that has over 75 years of experience in the industry. The company has a unique business platform consisting of primary and secondary brokerage markets as well as a mortgage lending joint venture. LPS Brasil has achieved strong growth and awards/recognition due to its experienced management team, asset light business model, and leading brand position in the Brazilian real estate market.
The document provides an institutional presentation for LPS Brasil for the 1st quarter of 2013. It begins with disclaimers regarding the nature of the information presented. The highlights section notes that LPS Brasil has a unique position in the primary Brazilian real estate market and an opportunity to consolidate the secondary market through acquisitions. It also discusses CrediPronto, LPS Brasil's mortgage company joint venture with Itaú Bank, which has experienced high growth. Overall, the presentation outlines how LPS Brasil's business model and market position provide a unique platform for investing in the Brazilian real estate sector.
The document provides an institutional presentation for LPS Brasil for the 1st quarter of 2013. It begins with disclaimers regarding the nature of the information presented. The highlights section notes that LPS Brasil has a unique position in the primary Brazilian real estate market and an opportunity to consolidate the secondary market through acquisitions. It also discusses CrediPronto, LPS Brasil's mortgage company joint venture with Itaú Bank, which has experienced high growth. Overall, the presentation outlines how LPS Brasil's business model and market position provide a unique platform for investing in the Brazilian real estate sector.
Lopes provides an institutional presentation on its business. It has a simple and focused business model of real estate brokerage services. It has experienced management and national scale, acting as the main distribution channel in the industry. The presentation outlines Lopes' operations, competitive advantages, expansion plans, services across market segments, and an overview of the growing Brazilian real estate market.
This document provides an overview of Institutional Presentation for LPS Brasil – Consultoria de Imóveis S.A. It highlights the company's simple and focused business model providing brokerage services to developers. It also summarizes LPS Brasil's leadership position in the Sao Paulo market, experienced management team, and plans for geographic expansion across multiple Brazilian states to capture growth opportunities. Financial highlights for 1Q08 show increases in key metrics like revenue and adjusted EBITDA.
This presentation provides an overview of LPS Brasil, a leading real estate brokerage and consulting firm in Brazil. Some key points:
- LPS Brasil has a long history in real estate dating back to 1935 and is recognized as a top brand in the industry.
- The company has a unique business platform consisting of brokerage operations in primary and secondary markets, as well as a mortgage lending joint venture with Itaú Bank.
- LPS Brasil has achieved strong growth and national footprint through both organic expansion and acquisitions. It closed over R$4 billion in real estate transactions in the first quarter of 2013 alone.
- The company is well positioned to continue benefiting from long-term
This document provides an overview of Institutional Presentation for LPS Brasil – Consultoria de Imóveis S.A. It begins with a disclaimer noting this is not an offer to purchase securities. It then highlights LPS Brasil's simple and focused business model in real estate brokerage services, national footprint, and position to benefit from market growth. Financial highlights for 2008 show increases in key metrics like net revenue, adjusted EBITDA, and adjusted net income.
This document provides an overview of institutional information about LPS Brasil - Consultoria de Imóveis S.A. ("Lopes") as of March 31, 2009. It highlights Lopes' simple and focused real estate brokerage business model, long operating history in Brazil since 1935, national footprint and scale, diversified client base, and experienced management team. The document also notes Lopes' plans to address new market conditions in 2009 following a recent downturn.
This document provides an overview of LPS Brasil – Consultoria de Imóveis S.A ("Lopes"), a Brazilian real estate brokerage company. It discusses Lopes' business model, history since 1935, market leadership position in Sao Paulo, nationwide expansion efforts through acquisitions and greenfield operations, and focus on serving client developers across all market segments. The document contains forward-looking statements but no guarantees of future performance or profits.
Apresentação Institucional English 20080408p.correa
This document provides an overview of institutional information about LPS Brasil - Consultoria de Imóveis S.A. ("Lopes") as of fiscal year 2007. It discusses Lopes' business model, history, market leadership position in real estate brokerage in Sao Paulo, geographic expansion strategy, joint venture with Itaú bank, and highlights of the growing Brazilian real estate market and Lopes' operational highlights in 2007.
This document provides an overview of institutional information about LPS Brasil - Consultoria de Imóveis S.A. ("Lopes") as of fiscal year 2007. It discusses Lopes' business model, history, market leadership position in real estate brokerage in Sao Paulo, geographic expansion strategy, joint venture with Itaú bank, and highlights of the growing Brazilian real estate market and Lopes' operational highlights for 2007.
Similar to Apresentação institucional inglês 26.03.2012 (20)
O documento apresenta os resultados do primeiro trimestre de 2014 da LPS Brasil. O VGV intermediado totalizou R$3,3 bilhões, uma redução de 24% em relação ao mesmo período do ano anterior. A receita líquida foi de R$74,3 milhões, queda de 25%. O EBITDA foi de R$10,9 milhões com margem de 14,7%. O lucro líquido dos acionistas controladores antes do IFRS foi de R$1,6 milhão.
The document is an institutional presentation by LPS Brasil - Consultoria de Imóveis S.A. detailing the company's operations and performance in the 4th quarter of 2013. It discusses LPS Brasil's leadership position in the Brazilian real estate brokerage and mortgage lending industries, strong brand recognition, experienced management team, and growth strategy of expanding nationally through acquisitions while focusing on high-growth market segments. Financial highlights show increasing transaction volumes and market share across LPS Brasil's different business units.
Este documento apresenta informações sobre a empresa LPS Brasil - Consultoria de Imóveis S.A. e suas controladas. Ele fornece detalhes sobre a história, estratégia, desempenho e perspectivas futuras da empresa, que atua nos mercados primário e secundário de intermediação imobiliária e financiamento no Brasil.
This presentation summarizes the key financial and operational results of Lopes - LPS Brasil Consultoria de Imóveis S.A and its subsidiaries for 2013. Some highlights include:
- Total transactions closed reached a record R$19.9 billion for the year.
- Net revenue was R$503.8 million, up 22% from 2012.
- Adjusted EBITDA was R$171.9 million, with an EBITDA margin of 38.4%.
- CrediPronto! originated R$2 billion in mortgages and grew its mortgage portfolio to R$4 billion.
A apresentação resume os resultados operacionais e financeiros da LPS Brasil no 4T13 e no ano de 2013, destacando o recorde de intermediações de R$ 19,9 bilhões e a geração de financiamentos de R$ 2 bilhões pela CrediPronto!. A receita líquida atingiu R$ 503,8 milhões em 2013, um aumento de 22% em relação a 2012.
A apresentação resume os resultados da LPS Brasil no 4T13 e no ano de 2013, destacando o recorde de R$19,9 bilhões em VGV intermediado. A receita líquida cresceu 22% em relação a 2012, atingindo R$503,8 milhões, enquanto o EBITDA ajustado foi de R$171,9 milhões. A CrediPronto! originou R$2 bilhões em financiamentos e sua carteira atingiu R$4 bilhões.
A apresentação resume os resultados da LPS Brasil no 4T13 e no ano de 2013, destacando o recorde de R$19,9 bilhões em VGV intermediado. A receita líquida cresceu 22% em relação a 2012, atingindo R$503,8 milhões, enquanto o EBITDA ajustado foi de R$171,9 milhões. A CrediPronto! originou R$2 bilhões em financiamentos e sua carteira atingiu R$4 bilhões.
A apresentação resume os resultados da LPS Brasil no 4T13 e no ano de 2013, destacando o recorde de R$19,9 bilhões em VGV intermediado. A receita líquida cresceu 22% em relação a 2012, atingindo R$503,8 milhões, enquanto o EBITDA ajustado foi de R$171,9 milhões. A CrediPronto! originou R$2 bilhões em financiamentos e sua carteira atingiu R$4 bilhões.
O documento apresenta os resultados da empresa LPS Brasil no primeiro semestre de 2013, destacando:
1) Crescimento de 2% nas intermediações totais e de 7% no mercado secundário;
2) Aumento de 21% na receita líquida e de 40% no EBITDA em relação ao mesmo período de 2012;
3) Lucro líquido 43% maior, alcançando R$96,8 milhões.
O documento apresenta os resultados da empresa LPS Brasil no primeiro semestre de 2013, destacando:
1) Crescimento de 2% nas intermediações totais e de 7% no mercado secundário;
2) Aumento de 21% na receita líquida e de 40% no EBITDA em relação ao mesmo período de 2012;
3) Lucro líquido 43% maior, alcançando R$96,8 milhões.
Este documento fornece um resumo dos principais pontos da apresentação institucional da LPS Brasil para o 2o trimestre de 2013. Apresenta informações sobre os negócios e desempenho da empresa, destacando sua liderança no mercado imobiliário brasileiro, reconhecimento no setor e sólida base de clientes e canais de distribuição.
Este documento apresenta informações sobre a LPS Brasil e suas controladas para o 3o trimestre de 2013, incluindo:
1) Uma breve história da LPS desde 1935 e seus principais prêmios e reconhecimentos.
2) Destaques operacionais e financeiros como intermediações imobiliárias de R$4,5 bilhões no trimestre.
3) Seu modelo de negócio baseado em serviços sem ativos e parceria na CrediPronto para financiamento imobiliário.
1) A apresentação fornece informações sobre os negócios da LPS Brasil no 1o trimestre de 2013, incluindo seus principais prêmios e reconhecimentos, histórico, mix de mercado, intermediações imobiliárias e posicionamento no mercado primário.
2) A LPS Brasil possui uma plataforma única e irreplicável no mercado imobiliário brasileiro atuando nos mercados primário e secundário, além de financiamentos imobiliários.
3) A empresa apresenta um modelo de negócios asset light base
Este documento apresenta informações sobre a LPS Brasil e suas controladas para o 3o trimestre de 2013. Destaca os principais prêmios e reconhecimentos recebidos pela empresa, seu histórico no mercado imobiliário desde 1935, sua atuação nos mercados primário e secundário e no financiamento imobiliário, além de dados operacionais e financeiros do período.
O documento apresenta informações sobre a LPS Brasil no 2o trimestre de 2013, destacando sua liderança no mercado imobiliário brasileiro, com mais de 300 clientes incorporadores e presença em diversos estados. A empresa atua nos mercados primário e secundário de intermediação imobiliária e no financiamento imobiliário, por meio da CrediPronto, em parceria com o Itaú Unibanco. Sua plataforma de negócios gerou R$9,7 bilhões em intermediações no 1S13.
1) A apresentação institucional da LPS Brasil destaca seu histórico de mais de 75 anos como líder no mercado imobiliário brasileiro, com atuação em diversos segmentos como mercado primário, secundário e financiamento.
2) A empresa possui uma plataforma única e irreplicável no Brasil, com forte presença nacional e reconhecimento de marca, além de um modelo de negócios baseado em serviços e de baixo risco.
3) Os resultados operacionais da LPS Brasil têm sido consistentes, com
LPS Brasil's 3Q13 presentation covered the following key points:
1) Total transactions closed reached R$14.2 billion in 9M13 and R$4.5 billion in 3Q13, the best quarter ever for secondary market transactions.
2) Net revenue was R$128.8 million, an 18% increase over 3Q12. EBITDA was R$60.2 million, up 42% from 3Q12, with an EBITDA margin of 46.7%.
3) Net income before IFRS for controlling shareholders was R$37 million, a 45% increase over 3Q12, with a net margin of 28.7%.
[1] O documento apresenta os resultados do terceiro trimestre de 2013 da LPS Brasil, com destaque para o aumento de 18% na receita líquida e de 42% no EBITDA em relação ao mesmo período do ano anterior.
[2] A CrediPronto! teve o melhor trimestre da história com R$ 564 milhões em financiamentos originados, 56% a mais do que no terceiro trimestre de 2012.
[3] Foi reconhecida mais uma parcela do earn out da CrediPronto!, totalizando R$ 24,9 mil
LPS Brasil's 3Q13 presentation covered the following key points:
1) Total transactions closed reached R$14.2 billion in 9M13 and R$4.5 billion in 3Q13, the best quarter ever for secondary market transactions.
2) Net revenue was R$128.8 million, an 18% increase over 3Q12. EBITDA was R$60.2 million, up 42% from 3Q12, with an EBITDA margin of 46.7%.
3) Net income before IFRS for controlling shareholders was R$37 million, a 45% increase over 3Q12, with a net margin of 28.7%.
More from LPS Brasil - Consultoria de Imóveis S.A. (20)
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Final ank Satta Matka Dpbos Final ank Satta Matta Matka 143 Kalyan Matka Guessing Final Matka Final ank Today Matka 420 Satta Batta Satta 143 Kalyan Chart Main Bazar Chart vip Matka Guessing Dpboss 143 Guessing Kalyan night
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Call8328958814 satta matka Kalyan result satta guessing➑➌➋➑➒➎➑➑➊➍
Satta Matka Kalyan Main Mumbai Fastest Results
Satta Matka ❋ Sattamatka ❋ New Mumbai Ratan Satta Matka ❋ Fast Matka ❋ Milan Market ❋ Kalyan Matka Results ❋ Satta Game ❋ Matka Game ❋ Satta Matka ❋ Kalyan Satta Matka ❋ Mumbai Main ❋ Online Matka Results ❋ Satta Matka Tips ❋ Milan Chart ❋ Satta Matka Boss❋ New Star Day ❋ Satta King ❋ Live Satta Matka Results ❋ Satta Matka Company ❋ Indian Matka ❋ Satta Matka 143❋ Kalyan Night Matka..
How MJ Global Leads the Packaging Industry.pdfMJ Global
MJ Global's success in staying ahead of the curve in the packaging industry is a testament to its dedication to innovation, sustainability, and customer-centricity. By embracing technological advancements, leading in eco-friendly solutions, collaborating with industry leaders, and adapting to evolving consumer preferences, MJ Global continues to set new standards in the packaging sector.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
The Steadfast and Reliable Bull: Taurus Zodiac Signmy Pandit
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
2. Disclaimer
This presentation does not constitute an offer, or invitation, or solicitation of an offer to subscribe for or purchase
any securities neither does this presentation nor anything contained herein form the basis to any contract or
commitment whatsoever.
The material that follows contains general business information about LPS Brasil – Consultoria de Imóveis S.A
(“LPS”) as of December 31st, 2011. It is not intended to be relied upon as advice to potential investors. The
information does not purport to be complete and is in summary form. No reliance should be placed on the
accuracy, fairness, or completeness of the information presented herein and no representation or warranty,
express or implied, is made concerning the accuracy, fairness, or completeness of the information presented
herein.
This presentation contains statements that are forward-looking and are only predictions, not guarantees of
future performance. Investors are warned that these forward-looking statements are and will be subject to
many risks, uncertainties, and factors related to the operations and business environments of LPS and its
subsidiaries such as competitive pressures, the performance of the Brazilian economy and the industry, changes
on market conditions, among other factors disclosed in LPS filed disclosure documents. Such risks may cause the
actual results of the companies to be materially different from any future results expressed or implied in such
forward-looking statements.
LPS believes that based on information currently available to LPS management, the expectations and
assumptions reflected in the forward-looking statements are reasonable. Lastly, LPS expressly refuses any duty to
update any of the forward-looking statements contained herein.
2
4. Achievements
Highlights 2011
Awards
VII Award
Top Imobiliário Award Ranking Valor 1000 IG/ Insper Award Relatório Bancário
Considered the main award Listed by Valor Econômico as Assertive M&A strategy, CrediPronto! was awarded in the
of the real estate industry in one of the 1000 largest business expanding the business to segment “Best Online File
Brazil; groups in Brazil; other regions of the country; Management”
Lopes won every Top Highlighted as the 20th higher Lopes was considered the Highlighted for the efficiency
Imobiliário, since its first edition net margin among largest company in real in the mortgage approval
in 1993. all groups; estate brokerage and
consulting in Brazil, in the
8th place in value generation last five years.
among service companies.
5. The Brokerage Market Has No Other Company With Our History
and Track Record
Launch and sell of 14
office buildings at Av.
Paulista
Mr. Francisco Lopes
Launch and sell of 11 Introduction of the
initiates its activities
office buildings at the Faria concept of condominium
intermediating
Lima region clubs
properties
Creation of the launching First “Top Imobiliário”
system with sales stands award, in 1993 – Largest
and marketing materials, Brokerage Company
attracting customers
First TV 00´s
specially during weekends
advertisement for
a real estate
development Becomes reference in real
estate launchings and 90´s
presents its new logo
80´s
70´s
60´s
50´s
Lopes becomes an important player at
40´s the segment of gated communities
1935 Identification of Marginal Triples in size in a decade,
Pinheiros as an attractive strengthening its leadership
area and launch one of
Start of long term Wins its 16th consecutive
the first buildings in the
partnership with “Top Imobiliário”
region
The company’s first Gomes de Almeida Lopes’ IPO
Start up of sales of hotel
logo Fernandez (Gafisa) Lopes starts its geographic expansion
condominium (Flats)
Launch one of the process
Partner of Grupo Espírito
first buildings under Lopes’ website become leader on real
Santo in selling one of the
the condominium state market
largest launching in Lisboa:
concept Joint Venture with Itaú Bank in order to
Parque dos Príncipes
create CrediPronto, our mortgage
company.
Lopes’ follow-on
5
6. Investment Highlights
Experienced Simple and Focused
Management Team Value Added
and Outstanding Business Model
Track Record
Main Distribution
Unmatched Channel in the
Scale and Reach Industry with a
National Footprint
Low Risk Business
Already scaled with a Diversified
down to face new Client Base : Cash
market conditions Generator
Company
6
7. LPS Brasil: Unique Business Platform
Primary Market Secondary Market Mortgage Loan
+
Low, mid and high-income segments Focus on secondary market, with a Joint Venture with Banco Itaú to
unique model of own stores and a provide mortgage loans
network of licensed brokers
Growth through acquisitions
7
7
9. Virtuous Cycle of the Business Model Creating Strong Barriers to Entry
Indisputable Sales Performance Leadership and Wide Range of Products
4Q11 was the best quarter of the Leader in the primary market
market, with R$5.5 billion in sales.
R$18.2 billion in contracted sales
One-stop-shop: unique and
in 2011. complete solution for the client
Most visited website in the real : unique platform to
estate sector: 15 million visitors in develop the secondary market
2011. : partnership with one
of the largest retail banks in the
world, Itaú Unibanco
Strong Established Base Retention of Talent
Leading, nationally recognized brand
Present in 12 Brazilian states and in the Federal Largest sales force: almost 16,000
District independent brokers
Extensive distribution channel Attracts and maintains its sales force
Database with more than 1.9 million clients
More than 360 homebuilder clients
9
9
10. Institutional Website
Visits on www.lopes.com.br
• Over 15 million unique visitors in
2011
•700 launches and more than 50
thousand units in the secondary
market
• Mobile version compatible with
over 5 thousand kinds of cell phones
• First brokerage company to launch
an App for iPad
• Leader in presence in social
networks
The most visited Increased
Strong investment Higher sales
website in the real generation of
in online media conversion
estate market Leads
Source: Google Analytics,
10
11. Competitive Advantage
“Lopes” culture in all
business units of different
states
One single brand, National Integration
recognized by the of Systems
market
Identity that stands
Lopes out from the
competitors
Competitive Advantage: A single, integrated and solid Company
11
12. LPS Brasil’s Market Mix
8% 7% 7% Other*
13% 10% 11% 13% 12% 12% 10%
5% 2% 8% 5% Northeast
6% 6% 2%
6% 6% 6% 10%
10% 11% 12%
12%
South
7% 12% 10% 11% 12% 4%
12% 9% 8% Brasília
7%
16% 14% 14% 9%
17% 25%
5% 5% 11% 19% 18% 24% 21%
6% Rio de Janeiro
5%
53% 52% 54%
49% 50% 49%
São Paulo
46% 48% 44% 45%
3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
*Other: Ceará, Estpírito Santo, Minas Gerais, Goiás and the city of Campinas
12
14. Simple and Focused Business Model…
Lopes is exclusively focused on providing value-added real estate brokerage services to its client-
developers, with a permanent concern of avoiding conflicts of interest
Client-Developers Client-Buyers
How do we do
business?
Formal relationship through
agreements 1,903,925 prospects
Over 360 Clients included in our data base
Total Price
Revenue Recognition
$ 100 per Unit
How do we make money?2, 3
$ 2.50
$ 2.80
$ 0.08
$ 10 $ 0.22
Developer
$ 5.20 ²
Down- Gross $ 1.38
payment Commission $ 2.40
$ 1.02
Agents +
Managers
1 Data until Dec-10 Net Commission Premium Contract Advisory Fee
2 Data from the LTM
14
15. Value-Added Services Across the Development Cycle
Lopes is focused on providing its clients with a full range of consulting services, from land procurement
advisory to product formatting, development and sale
Formats
Coordinates Coordinates
Individual
Determines Product Develops Optimizes
Masters Product Product
Sales Strategy
the Site’s Meeting Marketing Media
Market Launching Created to
Launching
Vocation Buyers’ Campaign Negotiations
Research Events Each Product
“Wants and Events
Needs”
15
16. Lopes is Growing Nationwide
SOUTHEAST REGION
São Paulo – Beginning of operations in 1935. Acquisition of 60% of Capucci
&Bauer, in October 2007, for R$9 million (7.1x P/E 2008) and an earn-out
payment. Acquisition of 51% of Itaplan, in September 2011, for R$29.2 million
(R$10.6 million + R$18.6 million earn out). Acquisition of 51% of Eduardo
Imóveis, in October 2011, for R$10.2 million (R$3.4 million + R$6.8 million earn
out).
CE Rio de Janeiro – Entry by greenfield operation, with beginning of operations in
RN July 2006, with LCI-RJ. . Lopes acquires permanently an additional 10% stake
of Patrimóvel, in July 2010, and more 31% in October 2010 (51% total).
PE Espírito Santo – Acquisition of 60% of Actual, in July 2007, for R$5.76 million
(7.0x P/E 2008) and an earn-out payment.
BA Minas Gerais – Entry by greenfield operation with beginning of operations in
February 2008. Acquisition of 51% of Brisa, in September 2011, for R$5.5 million
(R$1.9 million + R$3.6 million earn out).
DF
GO SOUTHERN REGION
States of Rio Grande do Sul, Santa Catarina and Paraná – Acquisition of 75% of
MG Dirani, in May 2007, for R$15.1 million (7.5x P/E 2008) and two ear-out
ES
payments. In July 2008, Lopes acquired the 25% left by the call/put
mechanism.
SP RJ
MIDDLE WEST REGION
PR Federal District – Acquisition of 51% of Royal, in November 2007, for R$12
million (9.0x P/E 2008) and an earn-out payment.
SC
Goiás - Greenfield operation with beginning of operations in August 2008.
RS
NORTHEAST REGION
Bahia - Greenfield operation with beginning of operations in October 2007.
Pernambuco – Acquisition of 60% of Sérgio Miranda, in August 2007, for R$ 3
million (10.0x P/E 2008) and an earn-out payment. In September 2009, Lopes
acquired the 40% left by the call/put mechanism. In 2010, there was a transfer
to LPS Fortaleza –of 100% (one hundred percent) of the capital stock of LPS
Lopes tracks developers’ regional movements, consolidates its Pernambuco.
position as the largest consulting and sales player
Ceará e Rio Grande do Norte – Acquisition of 60% of Immobilis, in January
2008, for R$2.4 million (10.0x P/E 2008) and an earn-out payment.
Source: Lopes RI 16
17. Sales Expertise in all Market Segments
HIGH Roof Gardens Bela Cintra – Oct/ 11 CASE
Location Consolação/ SP 97% sold.
Developer: Fakiani
Sales 118 un. – R$ 11,600/m²
Usable Area 34/190 m2
You Metropolitan – Dec/11 CASE
MEDIUM-HIGH
Location Tatuapé/ SP 100% sold.
Developer: You
Sales 120 un. – R$7,500/m²
Usable Area 35 / 136 m²
MEDIUM Vallore Brás – Oct/11 CASE
Location Brás/ SP 99% sold.
Developer: Agre
Sales 352 un. – R$ 5,400/m²
Usable Area 51 / 71 m²
Top Life Park – Nov/11 CASE
ECONOMIC
Location Santo André/ SP 97% sold.
Developer: CR2
Sales 200 un. – R$ 3,500/m²
Usable Area 48 / 67 m2
Helbor Lead Offices Faria Lima – CASE
Nov/11
BUSINESS UNITS
Location Itaim/ SP 88% sold.
Developer: Helbor
Sales 128 un. – R$ 21,840/m²
Usable Area 41 / 119 m²
19. HABITCASA: Focus on Low Income Segment
Focus on Low Income Segment
Units up to R$ 300 thousand
The Habitcasa brand is applied in all Lopes’ markets
19
20. Sales by Income Segment – Primary and Secondary Markets
Contracted Sales
Total Contracted Sales = R$5,471 million
4Q10 4Q11
23% 13% 8%
32%
32%
24% 40%
28%
Units Sold
Total units sold = 21,071
4Q10 4Q11
6% 7%
14% 34% 13%
52%
28%
46%
20
22. Pronto!
SOUTHEAST REGION
São Paulo – Acquisition of 51% of VNC, in July 2010, for R$7.1
million (R$ R$1,8 million + R$0,3 million of investments + R$5,2
million of earn out ).
Acquisition of 51% of Plus Imóveis, in August 2010, for R$11.7
million (R$4.7 million + R$7.0 million of earn out).
Acquisition of 51% of Maber, in September 2010, for R$17.3 million
(R$6.0 million + R$11.3 million of earn out).
Acquisition of 55% of Local, in December 2010, for R$25.6 million
(R$10.0 million + R$15.6 million of earnout)
Acquisition of 60% of Erwin Maack, in March 2011, for R$8.4 million
(R$2.9 million + R$5.5 million of earn out)
Acquisition of 51% of Condessa in July 2011, for R$4.9 million
(R$1.9 million + R$3 million of earn out).
Acquisition of 60% of Imóvel A in October 2011, for R$24.3 million
(R$10 million + R$14.3 million earn out).
Acquisition of 51% of Foco in March 2012 , for R$15 million (R$6
million + R$9 million earn out).
Acquisition of 51% of Piccoloto in March 2012, for R$10 million
(R$4 million + R$6 million earn out).
Acquisition of 51% of Cappucci in March 2012 , for R$6.6 million
(R$2.5 million + R$4.1 million earn out).
Rio de Janeiro – Acquisition of 51% of Self Imóveis, in July 2010,
SOUTH REGION for R$ 2,6 million (R$900 thousand + R$1,7 million of earn out)
Rio Grande do Sul – Acquisition of 51% of Ducati, in December
2010 forR$15,5 million (R$5.3 million + R$10.2 million of earnout).
FEDERAL DISTRICT :
Paraná – Acquisition of 60% of Thá, in February 2011, for R$20.9 Acquisition of 51% of AçãoDall’Oca in April 2011, for R$12.2 million
million (R$7.4 million + R$13.6 million of earnout). (R$3 million + R$9.2 million of earn out).
Pronto has 252 stores in 11 States + Federal District : 52 owned stores and
200 licensed brokers
22
23. Pronto!: A Natural Consolidator
Well Defined Acquisition Model with a Successful Track
Unique Platform Poised for Growth
Record
Present in 11 states and the Federal Acquisition strategy:
District
– Companies with expertise in their regional markets
– Covers 91% of the Brazilian GDP – Companies with limited access to capital
– 52 own stores – Well positioned in relevant markets
– 200 licensed brokers – Widespread network
– Strong presence in São Paulo
and Rio de Janeiro
Appreciation and alignment of interests
– Earn-out
Unique one-stop-shop business model – 51% ownership stake
Solid client base
Successful acquisitions through the years
Strong internet presence
– 18 acquisitions since July 2010 focused on the
Diversified products in the portfolio secondary market
– Benchmark for future partners
– Accretion
Natural Consolidator
Potential synergies:
– Scale and reach: network effect
– Access to mortgage financing
– Expertise of LPS Brasil management
23
23
24. Joint Venture Lopes Itaú
Lopes and Itaú created the first and biggest pure mortgage company of Brazil.
Direct and exclusive access to its Service excellence
customer database Competitive financing terms and
Seamlessly integrated operation with conditions
Lopes’ sales process, including an Speed and quality of processing
incentive compensation plan Experienced credit analysis
Lopes media exposure Successful exposure to the lending
business and in joint ventures
Leadership position
Management
in their respective High Value Brands
Excellence
markets
Strengthening of mortgage origination and other related services.
24
25. Differentiated Model: One-Stop-Shop
Secondary Market: a significant potential for origination Distinctive channel for clients in the secondary market
Focus
52 own stores and 200 licensed real estate brokers in 11 Over R$2 billion in financing
states and the Federal District
Relevance
Selective acquisitions to replicate the successful formula Incipient market in Brazil with huge expansion potential
used in the primary market
Growth
Potential
59% of CrediPronto! transactions are originated through
33% of Pronto!’s contracted sales are financed by Pronto!
Credipronto! Use of LPS Brasil’s platform and significant reduction in
CAPEX requirement
Synergies
Winning Model
25
25
26. CrediPronto!
Accumulated Financed
Financed Volume
Volume*
(R$ MM) (R$ MM)
1,271 2,075
112% 158%
600
804
2010 2011 dec/10 dec/11
In 2011, CrediPronto! Financed R$1.3 billion, outpacing the market growth in almost 3 times.
26
26
*Does not include amortization.
27. CrediPronto!
Mortgages Portfolio
(R$ MM)
1,756
887%
178
Opening portfolio balance Ending portfolio balance
Jan/10 Dec/11
The Average Portfolio Balance in 2011 was R$976 million.
27
28. CrediPronto!
Accumulated Sales Volume *
(R$ MM)
2,076
1,956
1,843
1,698
1,598
11%
1,461
1,340
1,219
1,113
1,013
928
804 854
727
654
591
529
437 474
331 385
217 247 291
CrediPronto! granted mortgage loans worth more than R$2 billion in its first years of operation
*Not including amortization / October, November and December are unaudited preliminary draft released on January 30th, 2012
28
29. Credipronto!: Unique Partnership to Capture Mortgage Loan Market
Potential
Business Highlights Innovative Real Estate Financing Process
+
Market Largest Private Bank
Leader in Brazil Assessment of Issuance of the Release of
Credit Analysis Legal Analysis
the Property Contract Resources
Until 3 2 3 5
24 hours working working working working
days days days days
Profit Sharing with limited credit risk
Leverage on LPS Brasil’s points of sale
Differentiated process of approval and release of funds Efficiency in Release of Credit
Unprecedented credit in the market
Evolution of Origination (base 100 = Jan-10)1
Market Share CrediPronto!
1.4% 1.9% 1.7% 2.4% 2.4% 3.0% 2.8% 3.1%
CrediPronto! already has a Market Share of
411 432.2 5.7% among private banks (excluding Caixa)
376
It is responsible for more than 16% of the
mortgage portfolio of Itaú
245 241
Total market financing 4T11: R$12.1 billion and
168 177 R$44.6 billion in 2011 (including Caixa)
209 197.9
100 145 147 144 179
125
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
Credipronto! Mercado
High Growth Potential – Real Estate Financing equals only 5% of Brazilian GDP2
Notes:
1 ABECIP (as of December 30th, 2010) and Company. Ranking based on June/2011 origination
2 Excluding Caixa 29
3 Bacen 29
31. Significant Creation of Demand
Demographic Bonus Population Pyramid (millions of people)
100%
80%
60%
40%
1950 1960 1970 1980 1990 2000 2010 2020 2030 2040 2050
Economically active population = 15 – 64 year-old
Dependence Index
Expansion of Class C (% of the population) Number of Families by Income Segment (millions)
2003 2008 Growth 2007 - 2030
(8%) 78% 160% 233% 291% 433%
8% 11%
16%
28% 31.7
29.1 27.6
37% 21.8
24% 2007A
49% 15.5
11 2030E
27% 8.4
3.3 4.3
1.1 0.3 1.6
Classes A and B Class C Class D Class E
Up to R$1k to R$2k to R$4k to R$8k to Above
R$1k R$2k R$4k R$8k R$16k R$ 16k
Source: IBGE, Bird, Febraban and FGV 31
31
33. Market Potential for Real Estate Financing
Growth Drivers Quantitative Housing Shortage (millions of homes)
Housing deficit
– 7.2 million houses (2009) 7.9
Incipient mortgage loan market 6.7
6.3
5.8
Declining interest rates 5.4
Rising employees’ income
Growing availability of long-term funding
Increasing secondary market financing
Increasing family turnover
1991 2000 2006 2007 2008
Mortgage Loan Access (% by Social Class)2 Family Turnover3
9.0 – 10.0x
7.7%
5.0%
4.0x
3.0%
1.7% 1.8x
Classes A and B Class C Class D Class E G-7 Mexico Brazil
Source: Bacen and ABECIP
Notes:
1 Data from 2006, except for Brazil (2009)
2 FGV’s Center for Social Studies, 2010
3 Represents the number of times a family moves to a different house during their lifetime. Source: Credit Suisse 33
33
34. Sales Speed Metropolitan Region of São Paulo
Units Launched and Sold
SP Capital
Average (Units Sold/Launched) = 0.85
Average (Units Sold/Launched) = 1.15
7063
5663
6131
3825
Year Units Lauched Units Sold
Units Sold
2009 30.100 35.800
2010 37.300 35.870 Units Launched
2011 37.650 28.320
37. Lopes’ Confidence Index (LCI) – January/12
Lopes is the first company to create a Real Estate Consumer Confidence Index.
Lopes’ Confidence Index (LCI)
January/12
149
137
125
118
100
82
Expectation Index Lopes' Confidence Index Present Situation Index
Lopes’ Confidence Index intend to measure clients confidence, so Lopes can follow and anticipate, in the short term,
housing purchase tendency.
The sample has 591 interviews, with Grande São Paulo resident clients, which contacted Lopes in the last 3 months and
are interested in purchasing a new home.
(base: jan/2009=100)
Source: Lopes Market Intelligence
37
39. Contracted Sales
Contracted Sales Units Sold
(R$ billion)
16%
12%
18.2
15.7 63,149
4.7 16% 5.5 56,633
21%
0.5 1.1
4.4 17,408 21,049
4.2
4Q10 4Q11 2010 2011 4Q10 4Q11 2010 2011
Primary Market Secondary Market Total
In the 4Q11, We Achieved R$ 5.5 billion in Contracted Sales.
39
40. Quartely Seasonality
Comparison of quarterly seasonality LPS
vs. market
Units launched per quarter – Brasil 2011
39%
29%
26% 29%
24% 22%
16%
15%
1Q11 2Q11 3Q11 4Q11
LPS Brasil Total Market
Launches were more concentrated in the 4Q11 for LPS
than the average of the market.
41. Contracted Sales Breakdown
Contracted Sales Breakdown
33% 22%
R$6 BI R$3.9 BI
8.3 BI
45%
Mercado Secundário
Incorporadoras de Capital Fechado
Incorporadoras de Capital Aberto
41
44. 2011 Results
2011 Results
(R$ thousand, except percentages)
LAUNCHES PRONTO! CREDIPRONTO! CONSOLIDATED
Gross Service Revenue 353,144 96,269 34,787 484,200
Revenue from Real Estate Brokerage 338,644 96,269 3,805 438,718
Revenue to Accrue from Itaú Operations 14,500 - - 14,500
Earn Out - - 30,982 30,982
Net Operating Revenue 313,045 85,098 34,245 432,388
(-)Costs and Expenses (194,255) (53,409) (15,754) (263,418)
(-) Stock Option Expenses CPC10 (1,782) - - (1,782)
(-) Expenses to Accrue from Itaú (953) - (1,142) (2,095)
(=)EBITDA 116,056 31,688 17,349 165,093
EBITDA Margin 37.1% 37.2% 50.7% 38.2%
(+/-) Other nonrecurring results - (26,576) - (26,576)
(-)Depreciation and amortization (26,178) (21,069) (38) (47,285)
(+/-) Financial Result (16,418) 92,768 653 77,003
(-)Income tax and social contribution (10,894) (4,912) (1,798) (17,604)
(=)Net income in period 62,565 71,900 16,166 150,631
Net Operating Margin 20.0% 84.5% 47.2% 34.8%
(=)Net Income in Period
- Non-controlling Shareholders (7,992)
- Controlling Shareholders 142,638
Net Margin after Minority Interest 33.0%
44
45. CrediPronto!
P&L*
(R$ thousands) 2011
Total
Amount Financed 1,270,674
Opening portfolio 707,053
Closing portfolio 1,767,940
Average portfolio balance1 976,864
Financial Margin 24,401
% Spread 2.5%
(-) Sales taxes -2,194
(-) Total costs and expenses -37,622
)-) Itaú expenses -6,729
(-) Olímpia expenses -20,124
(-) Commissions paid -12,547
(-) Insurance and claims (+/-) -187
(+/-) Correspondent bank -
(+) Other revenues (Financ.) 1,365
(-) ADA 600
(-) IRPJ/CSLL (Itaú Balance) -6,419
(=) Net result -21,835
% Net Margin -98.3%
50% Profit Sharing -10,918
*The managerial P&L measures the results of the JV. Olimpia’s Results and all Revenues and Expenses incurred by Itau are considered. 45
• The numbers of the managerial P&L were audited for 2011 by Ernst&Young and, due to its managerial nature, it does not follow accounting standards.
46. Allowance for Doubtful Accounts
• General (0,5%) Automatic credit score – 100% of the new contracts
• Specific (variable) For delays higher than 29 days
Example of P&L with a contract de
financiamento para um imóvel de $200:
Month 1 Month 2 Month 5 Month 8
Financial Margin $100 $100 $100 $100
Expenses¹ -$60 -$60 -$60 -$60
Specific Allowance - -$5 -$25 +$200
Result $40 $35 $15 $240
Recovery of
Default Property
Ex: Sale for +$100: Profit for
Sale of the $300 the bank
recovered
property
Ex: Sale for -$50: Loss
$150 of the bank
46
¹ Including general allowance
48. Lopes’ Contracted Sales Seasonality
Two seasonality components:
• Natural variation in sales related to holidays or vacation periods over the year. The first quarter is more
significantly affected by summer vacations and the week of Carnival celebrations.
• Variations in sales stemming from the sales pipeline in the real estate development market, in which
projects launched are subject to licensing and permit requirements, which account for significant distortions
in a quarter-over-quarter comparison.
41%
37%
32% 33%
31% 30% 30%
29% 29% 28% 26% 27%
25% 24% 25% 24%
22% 23% 23%
21% 22%
18% 19% 19%
17% 16%
14% 15%
2005 2006 2007 2008* 2009 2010 2011
1Q 2Q 3Q 4Q
Unstable sales behavior in each quarter accounts for variations in yearly sales
* The seasonality can not be verified in 2008, because of the effects of the world financial crisis.
48