This document summarizes a presentation given by Ron Wheatcroft of Protect on September 26, 2012 about bridging protection gaps in the UK insurance market. It discusses trends in the individual protection market like declining term assurance and stable whole life sales. The group risk market is described as providing most income protection in the UK. Future challenges are also addressed, such as an aging population, auto-enrollment, and consumer expectations shifting responsibility towards individuals. The presentation concludes that insurance needs to be made honest, clear and avoid jargon in order to better meet consumer needs.
The document discusses life insurance in Malta. It provides background on the history and growth of life insurance, driven mainly by bancassurance. It is regulated by the MFSA. Statistics show Malta ranks highly internationally for insurance penetration and density. Popular products include savings, protection, and retirement plans offered by major insurers. Regulations and the role of life insurance in the economy are also covered. In conclusion, life insurance provides financial security and protection while contributing significantly to Malta's GDP and savings.
Insurance industry briefing materials template 2012 v17 06252012saisodusta
The document provides an agenda and background information for a nonlife insurance industry briefing. The agenda covers industry performance, commonly issued nonlife insurance products like motorcar insurance, fraud risk considerations, common reinsurance arrangements, understanding the insurance process, accounting and auditing matters, and taxation issues. It also provides data on the performance and major players of the Philippines' nonlife insurance industry in 2010 and 2011.
SEB Facts And Figures January September 2008SEBgroup
This document provides an overview of key financial information for SEB Group for Q3 and January-September 2008. Some key points:
- Operating profit decreased 46% in Q3 2008 and 36% January-September compared to the same periods in 2007, driven by lower net financial income and higher credit losses.
- Net interest income increased 16% in Q3 2008 supported by higher lending volumes and margins, despite pressure from funding costs and deposit margins.
- Ratings agencies have changed their outlook on SEB to negative in recent months due to the deteriorating economic environment.
- The majority of SEB's operating profit in January-September 2008 came from its Swedish banking operations, with other key contributors
Orphaned or empowered - pensions, protection and investments in 2012 and beyondConsensus Research
Alongside industry guru Ron Wheatcroft, Technical Manager at Swiss Re, Andy Glazier recently co-presented the thought leadership paper “Orphaned or Empowered”? at the Cello Financial Services Conference. Ron and Andy discuss the myriad of issues impacting pensions, protection and investments in 2012 and beyond, paying particular attention to how RDR is putting further pressure on the accelerator pedal.
This document contains 17 problems related to capital budgeting decisions. Problem 1 presents a sample cash flow table and calculates NPV using different discount rates. Problem 2 similarly presents a cash flow table, calculates NPV and finds the IRR. Later problems calculate NPV, IRR, payback period and other capital budgeting metrics for various investment projects.
This document contains 12 problems related to capital budgeting decisions. The problems involve calculating net present value (NPV), internal rate of return (IRR), and comparing project cash flows discounted at different rates. The cash flows include both positive and negative amounts over multiple time periods. The problems demonstrate techniques for capital budgeting analysis including calculating NPV and IRR, comparing projects, and determining if a project should be accepted.
“In the global financial crisis, methods for increasing the effectiveness of auditing have weighed heavily on the minds of those responsible for corporate governance. When a business is making a healthy profit, irregularities can go undetected; however, when cash flow declines, internal costs and operations are more strongly scrutinised and discrepancies detected more easily.
Effective Auditing for Corporates provides proactive advice from business leaders who have realised effective auditing is fundamental to a company’s financial health, and key to shareholders’ perceptions of the company’s value. Aimed primarily at auditors but of significant important to risk managers, CFOs and consultants, Effective Auditing for Corporates not only covers the financials and regulatory compliance, but the crossover between the roles of internal and external auditor.
This book is an essential guide, both a refresher course for what is required from an internal and external audit and an outline of the processes and structures required to ensure the necessary tasks are accomplished. Areas covered include: general audit management, compliance and corporate auditing, the internal audit and governance audit, and up-to-date coverage of regulation globally.”
The document discusses life insurance in Malta. It provides background on the history and growth of life insurance, driven mainly by bancassurance. It is regulated by the MFSA. Statistics show Malta ranks highly internationally for insurance penetration and density. Popular products include savings, protection, and retirement plans offered by major insurers. Regulations and the role of life insurance in the economy are also covered. In conclusion, life insurance provides financial security and protection while contributing significantly to Malta's GDP and savings.
Insurance industry briefing materials template 2012 v17 06252012saisodusta
The document provides an agenda and background information for a nonlife insurance industry briefing. The agenda covers industry performance, commonly issued nonlife insurance products like motorcar insurance, fraud risk considerations, common reinsurance arrangements, understanding the insurance process, accounting and auditing matters, and taxation issues. It also provides data on the performance and major players of the Philippines' nonlife insurance industry in 2010 and 2011.
SEB Facts And Figures January September 2008SEBgroup
This document provides an overview of key financial information for SEB Group for Q3 and January-September 2008. Some key points:
- Operating profit decreased 46% in Q3 2008 and 36% January-September compared to the same periods in 2007, driven by lower net financial income and higher credit losses.
- Net interest income increased 16% in Q3 2008 supported by higher lending volumes and margins, despite pressure from funding costs and deposit margins.
- Ratings agencies have changed their outlook on SEB to negative in recent months due to the deteriorating economic environment.
- The majority of SEB's operating profit in January-September 2008 came from its Swedish banking operations, with other key contributors
Orphaned or empowered - pensions, protection and investments in 2012 and beyondConsensus Research
Alongside industry guru Ron Wheatcroft, Technical Manager at Swiss Re, Andy Glazier recently co-presented the thought leadership paper “Orphaned or Empowered”? at the Cello Financial Services Conference. Ron and Andy discuss the myriad of issues impacting pensions, protection and investments in 2012 and beyond, paying particular attention to how RDR is putting further pressure on the accelerator pedal.
This document contains 17 problems related to capital budgeting decisions. Problem 1 presents a sample cash flow table and calculates NPV using different discount rates. Problem 2 similarly presents a cash flow table, calculates NPV and finds the IRR. Later problems calculate NPV, IRR, payback period and other capital budgeting metrics for various investment projects.
This document contains 12 problems related to capital budgeting decisions. The problems involve calculating net present value (NPV), internal rate of return (IRR), and comparing project cash flows discounted at different rates. The cash flows include both positive and negative amounts over multiple time periods. The problems demonstrate techniques for capital budgeting analysis including calculating NPV and IRR, comparing projects, and determining if a project should be accepted.
“In the global financial crisis, methods for increasing the effectiveness of auditing have weighed heavily on the minds of those responsible for corporate governance. When a business is making a healthy profit, irregularities can go undetected; however, when cash flow declines, internal costs and operations are more strongly scrutinised and discrepancies detected more easily.
Effective Auditing for Corporates provides proactive advice from business leaders who have realised effective auditing is fundamental to a company’s financial health, and key to shareholders’ perceptions of the company’s value. Aimed primarily at auditors but of significant important to risk managers, CFOs and consultants, Effective Auditing for Corporates not only covers the financials and regulatory compliance, but the crossover between the roles of internal and external auditor.
This book is an essential guide, both a refresher course for what is required from an internal and external audit and an outline of the processes and structures required to ensure the necessary tasks are accomplished. Areas covered include: general audit management, compliance and corporate auditing, the internal audit and governance audit, and up-to-date coverage of regulation globally.”
APICS Presentation on Agility on October 4Lora Cecere
The document discusses supply chain agility and key performance metrics. It provides data on average days of inventory and working capital for various industries from 2000 to 2011. The data shows that companies with shorter cash-to-cash cycles tend to have higher gross margins. The document advocates the need for supply chain agility and balancing factors like demand fulfillment and cost management. It also introduces Supply Chain Insights LLC and its founder Lora Cecere.
- The Indian stock market indices ended lower, with the Nifty losing 25 points and the Sensex down 66 points. Crude oil inventories in the US came in better than expected.
- Most sectors closed negative for the day, with metals, autos and power among the worst performers. Banking, IT and realty also closed lower, while oil & gas and consumer durables rose. European markets were mostly flat.
- Among Nifty gainers, Cairn India rose nearly 4%, while IDFC and DLF gained over 2% each. Top losers were Maruti Suzuki and Ranbaxy Labs, falling over 3% and 2%, respectively.
The document contains charts from Raddon Financial Group summarizing consumer usage of various cell phone, banking, and financial services based on national surveys. The charts show that:
- 78% of consumers have a cell phone, while 33% have a data plan and 18% use online banking from their phone.
- Personal financial management app usage is low, with only 9% actively using a PFM app and 4% using a non-PFI app.
- Around 10-13% of consumers report using personal financial management software to track finances.
- 6-14% of consumers report currently using a smart ATM, while 22-33% say they are likely to use one.
The document summarizes activities from the ICMIF Development Committee Chair. It discusses the ICMIF Development Network seminars held from 2007 to 2010 in Canada, the Netherlands, and India. It provides examples of member to member cooperation between ICMIF network members. It also outlines the Development Committee's recent approval of a three-year strategy to support mutual-based risk protection for low-income communities, and calls for support from members to help achieve this goal.
The document discusses building change that customers will notice in the banking industry. It notes that while some phrases don't change, their meanings have evolved over time. Customer preferences for channels have also shifted, with in-person interactions still preferred for opening accounts but online and mobile growing significantly. Younger customers and wealthier segments prefer more digital options. The document advocates understanding customer data and channel preferences to provide a consistent experience across applications and locations. Building agility requires organizing channels together, taking action on insights continuously, and reviewing processes for extension to other channels.
Nifty seems rangebound equity analysis for 23 julyGeet Sharma
- The Sensex and Nifty indices in India declined slightly on Friday, with the Sensex falling 0.70% and the Nifty dropping 0.72%, led by declines in banking stocks.
- Asian stock markets were also down slightly but were on track for their largest weekly gain since January, as strong US corporate earnings lifted the S&P 500 index.
- Key Indian stock market indexes such as the BSE Sensex, Nifty 50, and Nifty Bank declined around 1% each while sectoral indices such as IT, metal and realty also ended in red.
- The Sensex rose 0.93% and the Nifty rose 0.99% on hopes of economic reforms in India and ahead of key earnings reports.
- Overseas markets were mixed as the NASDAQ fell 0.43% while European markets rose between 0.49-0.74%.
- On the Nifty, gainers included JP Associates and DLF while losers included Lupin and Cipla.
The document provides financial projections for a captive insurance proposal from Stenfield for 3 years. In year 1, gross written premium is projected to be over £1.7 million with a small profit of £3,459. In year 2, gross written premium is projected to increase to over £3.2 million with a larger profit of £542,183. Year 3 projections show further increases in gross written premium and profitability. Acquisition costs including commissions, fees, and reserves are the major expenses projected each year.
The Agricultural Producers Protection Plan (AP3) provides life insurance coverage for agricultural producers, fisherfolk, and other stakeholders between 15-70 years old. AP3 covers death from accidents, natural causes, and murder/assault. Premiums and coverage amounts vary based on the insured's age and whether they have an individual or group policy. The document outlines eligibility requirements, coverage periods, exclusions, benefits, claims procedures, and other policy details.
Semiconductor 130327 the 2013 mc_clean_ic_insightsMTKDMI
1) Intel remained the top semiconductor supplier in 2012, widening its lead over Samsung. Qualcomm saw the largest growth of 34% among the top suppliers to move up to fourth.
2) Pure-play foundries and fabless suppliers performed strongly, with GlobalFoundries and TSMC growing over 30% and Qualcomm growing 34%.
3) Seventeen of the top 25 suppliers saw declining sales in 2012, including eight of the top ten, as the overall semiconductor market declined 3%. Pure-play foundries and fabless companies were exceptions to this trend.
The Indian equity markets ended the week with gains. The Nifty gained 4.5% and the Sensex gained 4.5% for the week. Top gaining sectors included IT, metals, pharma, and FMCG. Technically, the Nifty may see a short-term range bound movement or drop from current levels this week, trading between 6150-5720. Globally, most markets were up for the week with the Dow Jones gaining 1.44% and the S&P 500 gaining 1.79%.
- The Indian stock market ended lower, with the Sensex closing down 31 points and the Nifty down 10 points, as Hindustan Unilever declined on concerns over higher royalty payments.
- European markets were mixed, with the CAC down slightly while the DAX and FTSE rose. The Nasdaq rose over 1% and the Dow Jones rose 0.6%.
- Top gainers in the Nifty included Bajaj Auto, Mahindra & Mahindra, and Hero MotoCorp, while top losers were Hindustan Unilever, BHEL, and GAIL India.
Trends Affecting Today's Investor - Chris McDermottPhilip Taylor
The document discusses trends affecting today's investors including over a decade of difficult market conditions, an aging population with low retirement readiness, underfunded pensions, high consumer debt levels, and pessimistic investor sentiment. It also outlines how financial advisors can help investors by focusing on key questions related to markets and financial planning, providing education through various channels, and positively influencing investor behavior.
Parsortix Cancer Diagnostics presented by Andrew Newland and Ian Griffiths on July 26, 2012. Parsortix has developed a breakthrough technology to capture circulating tumor cells in blood samples that could enable simple blood tests to monitor and diagnose cancer. Their system is low-cost, does not require complex antibody technologies, and shows potential to outperform existing CTC capture methods. Near-term goals include launching a research product in Q4 2012 and obtaining FDA approval for clinical use by end of 2013 to enter the estimated $6 billion global market for CTC diagnostic tests.
Benchmarks in Thought Leader ManagementRobert Nauman
The document summarizes the results of a survey of pharmaceutical and biotech companies regarding their management and compensation practices for contracted thought leaders. The survey aimed to provide a competitive benchmark for companies and identify industry trends and best practices. It collected data on topics like common terms and payment increments for thought leader compensation, whether companies pay for travel time, and if compensation limits exist for individual thought leaders serving as advisors. The document also outlines the objectives, background, methodology and key findings of the manufacturer survey conducted from July to December 2007.
Insurance Planning is a very vital component of Financial Planning. This presentation is all about various types of Life and General Insurance available in India. It also talks about the benefit of Term Insurance Policy. One should only go for Term Insurance Policy as it is best cover for Protection. This presentation also talks about the Mis-selling happening in India when it comes to insurance selling.
The document summarizes a survey of salaries and recruitment trends at West End and niche City law firms in the UK in 2012. It found that after years of stagnation, most firms increased salaries 3-5% and planned to recruit more solicitors in 2012 compared to 2011, seeing more optimism in the market. Top areas of predicted recruitment were commercial property, commercial litigation, IP, banking, and private client. This indicated confidence was growing as firms sought to ensure they remained competitive.
This document provides an overview of Cambodia Re's annual report for 2010. It includes sections on the company's financial highlights, messages from leadership, company role and profile, Cambodia's insurance market overview, economic review of Cambodia for 2009, Cambodia Re's performance and review for 2010, risk factors and management, internal audit, outlook, activities, and review of financial performance. The document provides detailed information on Cambodia Re's operations and performance in 2010 as well as the insurance market and economy in Cambodia.
SVOD13: "Trends in venture capital financings", Leonard Grayver http://svod.org/AmBAR
This document summarizes trends in venture capital financings based on data from various sources. It provides an overview of VC activity levels and deal terms across different funding rounds from 2012 to Q1 2013. Key findings include increasing median pre-money valuations, a decline in down rounds, and growth in seed investments particularly in software. Seed deals predominantly use preferred stock and have median investments of $1-1.3M. Convertible notes have median 5.5% interest rates and 18 month maturities.
This document summarizes trends in venture capital financings based on data from various sources. It provides an overview of VC activity levels and deal terms across different funding rounds from 2012 to Q1 2013. Key findings include increasing median pre-money valuations, a decline in down rounds, and growth in seed investments concentrated in internet/software. Seed deals predominantly use preferred stock and average $1-1.3M in size. Convertible notes have median 5.5% interest rates and 18 month maturity.
Paraná Banco presented its 4Q07 and full year 2007 results. Key highlights include:
- Total originations grew 256% in 2007 compared to 2005 to R$1.013 billion in 4Q07.
- The franchise channel expanded to 60 units, exceeding its target of 30.
- Total assets grew to R$1.881 billion in 4Q07, up 104% from 4Q06.
- Net income was R$35.6 million in 4Q07 compared to R$13.4 million in 4Q06, an increase of 165%.
- Loan portfolio quality remained high at 95.8% AA-C ratings in 2007.
APICS Presentation on Agility on October 4Lora Cecere
The document discusses supply chain agility and key performance metrics. It provides data on average days of inventory and working capital for various industries from 2000 to 2011. The data shows that companies with shorter cash-to-cash cycles tend to have higher gross margins. The document advocates the need for supply chain agility and balancing factors like demand fulfillment and cost management. It also introduces Supply Chain Insights LLC and its founder Lora Cecere.
- The Indian stock market indices ended lower, with the Nifty losing 25 points and the Sensex down 66 points. Crude oil inventories in the US came in better than expected.
- Most sectors closed negative for the day, with metals, autos and power among the worst performers. Banking, IT and realty also closed lower, while oil & gas and consumer durables rose. European markets were mostly flat.
- Among Nifty gainers, Cairn India rose nearly 4%, while IDFC and DLF gained over 2% each. Top losers were Maruti Suzuki and Ranbaxy Labs, falling over 3% and 2%, respectively.
The document contains charts from Raddon Financial Group summarizing consumer usage of various cell phone, banking, and financial services based on national surveys. The charts show that:
- 78% of consumers have a cell phone, while 33% have a data plan and 18% use online banking from their phone.
- Personal financial management app usage is low, with only 9% actively using a PFM app and 4% using a non-PFI app.
- Around 10-13% of consumers report using personal financial management software to track finances.
- 6-14% of consumers report currently using a smart ATM, while 22-33% say they are likely to use one.
The document summarizes activities from the ICMIF Development Committee Chair. It discusses the ICMIF Development Network seminars held from 2007 to 2010 in Canada, the Netherlands, and India. It provides examples of member to member cooperation between ICMIF network members. It also outlines the Development Committee's recent approval of a three-year strategy to support mutual-based risk protection for low-income communities, and calls for support from members to help achieve this goal.
The document discusses building change that customers will notice in the banking industry. It notes that while some phrases don't change, their meanings have evolved over time. Customer preferences for channels have also shifted, with in-person interactions still preferred for opening accounts but online and mobile growing significantly. Younger customers and wealthier segments prefer more digital options. The document advocates understanding customer data and channel preferences to provide a consistent experience across applications and locations. Building agility requires organizing channels together, taking action on insights continuously, and reviewing processes for extension to other channels.
Nifty seems rangebound equity analysis for 23 julyGeet Sharma
- The Sensex and Nifty indices in India declined slightly on Friday, with the Sensex falling 0.70% and the Nifty dropping 0.72%, led by declines in banking stocks.
- Asian stock markets were also down slightly but were on track for their largest weekly gain since January, as strong US corporate earnings lifted the S&P 500 index.
- Key Indian stock market indexes such as the BSE Sensex, Nifty 50, and Nifty Bank declined around 1% each while sectoral indices such as IT, metal and realty also ended in red.
- The Sensex rose 0.93% and the Nifty rose 0.99% on hopes of economic reforms in India and ahead of key earnings reports.
- Overseas markets were mixed as the NASDAQ fell 0.43% while European markets rose between 0.49-0.74%.
- On the Nifty, gainers included JP Associates and DLF while losers included Lupin and Cipla.
The document provides financial projections for a captive insurance proposal from Stenfield for 3 years. In year 1, gross written premium is projected to be over £1.7 million with a small profit of £3,459. In year 2, gross written premium is projected to increase to over £3.2 million with a larger profit of £542,183. Year 3 projections show further increases in gross written premium and profitability. Acquisition costs including commissions, fees, and reserves are the major expenses projected each year.
The Agricultural Producers Protection Plan (AP3) provides life insurance coverage for agricultural producers, fisherfolk, and other stakeholders between 15-70 years old. AP3 covers death from accidents, natural causes, and murder/assault. Premiums and coverage amounts vary based on the insured's age and whether they have an individual or group policy. The document outlines eligibility requirements, coverage periods, exclusions, benefits, claims procedures, and other policy details.
Semiconductor 130327 the 2013 mc_clean_ic_insightsMTKDMI
1) Intel remained the top semiconductor supplier in 2012, widening its lead over Samsung. Qualcomm saw the largest growth of 34% among the top suppliers to move up to fourth.
2) Pure-play foundries and fabless suppliers performed strongly, with GlobalFoundries and TSMC growing over 30% and Qualcomm growing 34%.
3) Seventeen of the top 25 suppliers saw declining sales in 2012, including eight of the top ten, as the overall semiconductor market declined 3%. Pure-play foundries and fabless companies were exceptions to this trend.
The Indian equity markets ended the week with gains. The Nifty gained 4.5% and the Sensex gained 4.5% for the week. Top gaining sectors included IT, metals, pharma, and FMCG. Technically, the Nifty may see a short-term range bound movement or drop from current levels this week, trading between 6150-5720. Globally, most markets were up for the week with the Dow Jones gaining 1.44% and the S&P 500 gaining 1.79%.
- The Indian stock market ended lower, with the Sensex closing down 31 points and the Nifty down 10 points, as Hindustan Unilever declined on concerns over higher royalty payments.
- European markets were mixed, with the CAC down slightly while the DAX and FTSE rose. The Nasdaq rose over 1% and the Dow Jones rose 0.6%.
- Top gainers in the Nifty included Bajaj Auto, Mahindra & Mahindra, and Hero MotoCorp, while top losers were Hindustan Unilever, BHEL, and GAIL India.
Trends Affecting Today's Investor - Chris McDermottPhilip Taylor
The document discusses trends affecting today's investors including over a decade of difficult market conditions, an aging population with low retirement readiness, underfunded pensions, high consumer debt levels, and pessimistic investor sentiment. It also outlines how financial advisors can help investors by focusing on key questions related to markets and financial planning, providing education through various channels, and positively influencing investor behavior.
Parsortix Cancer Diagnostics presented by Andrew Newland and Ian Griffiths on July 26, 2012. Parsortix has developed a breakthrough technology to capture circulating tumor cells in blood samples that could enable simple blood tests to monitor and diagnose cancer. Their system is low-cost, does not require complex antibody technologies, and shows potential to outperform existing CTC capture methods. Near-term goals include launching a research product in Q4 2012 and obtaining FDA approval for clinical use by end of 2013 to enter the estimated $6 billion global market for CTC diagnostic tests.
Benchmarks in Thought Leader ManagementRobert Nauman
The document summarizes the results of a survey of pharmaceutical and biotech companies regarding their management and compensation practices for contracted thought leaders. The survey aimed to provide a competitive benchmark for companies and identify industry trends and best practices. It collected data on topics like common terms and payment increments for thought leader compensation, whether companies pay for travel time, and if compensation limits exist for individual thought leaders serving as advisors. The document also outlines the objectives, background, methodology and key findings of the manufacturer survey conducted from July to December 2007.
Insurance Planning is a very vital component of Financial Planning. This presentation is all about various types of Life and General Insurance available in India. It also talks about the benefit of Term Insurance Policy. One should only go for Term Insurance Policy as it is best cover for Protection. This presentation also talks about the Mis-selling happening in India when it comes to insurance selling.
The document summarizes a survey of salaries and recruitment trends at West End and niche City law firms in the UK in 2012. It found that after years of stagnation, most firms increased salaries 3-5% and planned to recruit more solicitors in 2012 compared to 2011, seeing more optimism in the market. Top areas of predicted recruitment were commercial property, commercial litigation, IP, banking, and private client. This indicated confidence was growing as firms sought to ensure they remained competitive.
This document provides an overview of Cambodia Re's annual report for 2010. It includes sections on the company's financial highlights, messages from leadership, company role and profile, Cambodia's insurance market overview, economic review of Cambodia for 2009, Cambodia Re's performance and review for 2010, risk factors and management, internal audit, outlook, activities, and review of financial performance. The document provides detailed information on Cambodia Re's operations and performance in 2010 as well as the insurance market and economy in Cambodia.
SVOD13: "Trends in venture capital financings", Leonard Grayver http://svod.org/AmBAR
This document summarizes trends in venture capital financings based on data from various sources. It provides an overview of VC activity levels and deal terms across different funding rounds from 2012 to Q1 2013. Key findings include increasing median pre-money valuations, a decline in down rounds, and growth in seed investments particularly in software. Seed deals predominantly use preferred stock and have median investments of $1-1.3M. Convertible notes have median 5.5% interest rates and 18 month maturities.
This document summarizes trends in venture capital financings based on data from various sources. It provides an overview of VC activity levels and deal terms across different funding rounds from 2012 to Q1 2013. Key findings include increasing median pre-money valuations, a decline in down rounds, and growth in seed investments concentrated in internet/software. Seed deals predominantly use preferred stock and average $1-1.3M in size. Convertible notes have median 5.5% interest rates and 18 month maturity.
Paraná Banco presented its 4Q07 and full year 2007 results. Key highlights include:
- Total originations grew 256% in 2007 compared to 2005 to R$1.013 billion in 4Q07.
- The franchise channel expanded to 60 units, exceeding its target of 30.
- Total assets grew to R$1.881 billion in 4Q07, up 104% from 4Q06.
- Net income was R$35.6 million in 4Q07 compared to R$13.4 million in 4Q06, an increase of 165%.
- Loan portfolio quality remained high at 95.8% AA-C ratings in 2007.
Update on the environment and trends being experienced by the property casualty insurance industry presented to a group of executives attending MapInfo's MapWorld conference.
This document describes Neerbhumi, an Indian agri-tech startup that aims to help farmers identify crop diseases and find cures. It does this through a mobile app backed by artificial intelligence and machine learning. The app allows farmers to identify diseases with a single click photo and then provides recommendations on effective agricultural inputs to treat the issue. Neerbhumi seeks to address common problems faced by farmers like a lack of information, one-size-fits-all solutions, and manual decision making. It expects to benefit farmers through more convenient and data-driven choices that save time and yield opportunities. The startup has raised funds and provided financial projections showing high revenue growth and returns over the next decade as internet access expands to
March 2011 economic health check presentationninahuchthausen
This document provides a summary of the March economic health check. It discusses key issues in the global and Australian economies including the recovery of the US and dominance of China, struggles in Australia, tight job markets, conservative consumer spending, strength of the Australian dollar, and opportunities in mining. Forecasts are provided for GDP growth, inflation, unemployment, interest rates, and the stock market through 2011. Strategies are discussed around managing interest rate and foreign exchange risks. Contact details are provided for further discussion.
Fiddle - Presidio MBA team project - M. Chic, E. Irvine, B. Mascioli, J. WiseMatthew Chic
The document discusses the growth of the sharing economy or collaborative consumption market. It provides data on the market size, which was valued at $8 billion in collective funding in 2012 and $110 billion in total market value in 2011. It also shares statistics on the opportunity for individuals, with the average person in New York City able to earn $21,000 per year in the sharing economy. The document outlines the key players in the sharing economy landscape and reviews Fiddle's business model, revenue projections, and financial statements, positioning Fiddle as a platform to connect individuals and companies in the sharing economy.
The document discusses the growth of the sharing economy or collaborative consumption market. It provides data on the market size, which was valued at $8 billion in collective funding in 2012 and $110 billion in total market value in 2011. It also shows a chart depicting strong growth in the number of sharing economy companies from 2011 to mid-2012. The document discusses opportunities in the sharing economy to earn extra income by renting out goods that would otherwise sit idle, such as cars. It presents the sharing economy as enabling more efficient use of resources.
The document provides information on the Orchard Funds PLC Equity Income & Total Return Fund. The top 5 country holdings as of June 2015 were the United States (52.39%), United Kingdom (16.85%), France (9.42%), Switzerland (2.82%), and Jersey (2.79%). The fund seeks to deliver positive, inflation-beating returns through solid income streams without significant losses by investing in international "blue chip" equities and writing covered call options for fees. Performance metrics show the fund has outperformed its benchmark over various periods since inception in 2003.
The document discusses opportunities in investing in China. It notes that some of the greatest investments begin in areas of discomfort where opportunities are controversial, pessimistic, and performing poorly. It then provides an overview of the Chinese market and economy, including updates on market performance, sectors, and companies. It also outlines opportunities in different areas like the government, households, small and medium enterprises, and financial stability. It concludes that while China presents risks related to a potential economic slowdown and reforms, there are opportunities for long-term investment due to cheap valuations and potential for diversification.
The document provides an overview of Zynex, Inc., a medical device company that develops non-invasive devices for pain relief, rehabilitation, and monitoring. It discusses Zynex's product lines, financial performance, growth strategy, and $4 billion total addressable market opportunity. The document is intended to provide investors with information about Zynex's business and financials.
Dave Larkins, Corporate Asset Transfer StrategyCora Price
Using Insurance to Transfer Corporate Owned Investments to an Estate Tax Efficiently presented by Dave Larkins, Sun Life Financial. The Corporate Asset Transfer strategy offers advantages that may assist you in meeting your long-term objectives while diversifying assets and reducing risk.
Umbrella Corporation Business Presentation! Resident Evil Business! By CHRiST...Chris Saldana
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#MuSiC - Nintendo "Theme of Tara"
The document provides an overview of the Turkish insurance market as of 2016. It notes that there are 62 insurance companies operating in Turkey, with foreign players owning 72% of the market. The insurance sector employs over 19,000 people directly and over 75,000 indirectly. Total assets of the sector have grown steadily from 2010 to 2016. Overall premium production has increased 80% since 2011. The outlook for the sector remains positive due to Turkey's growing economy and demographic trends, though mandatory traffic insurance (MTPL) has been unprofitable in recent years due to high loss ratios.
The document summarizes Paraná Banco's 1Q08 earnings presentation. Key points include:
- Paraná Banco focuses on payroll-deductible and middle-market loans with a low-risk customer base.
- Its loan portfolio totaled R$1.31 billion in 1Q08, up 8% from 4Q07. Portfolio quality remained high with 3.9% rated D-H.
- Net income was R$23.6 million in 1Q08, up 132.2% from 1Q07 but down 34.6% from 4Q07. Shareholders' equity grew 336.4% to R$815.9 million from 1Q07 to
Taylor Root Salary Survey 2012 for West End, Niche and Boutique Law FirmsNickSmetana
The document summarizes a survey of salaries and recruitment trends at UK private law firms in West End and niche city markets in 2012. Some key findings include:
- Salaries increased 3-5% on average for the second consecutive year, indicating returning confidence.
- 65% of firms anticipated recruiting 3-5 solicitors in 2012, up from 36% in 2011.
- Top recruitment areas included commercial property, commercial litigation, IP, banking, and private client.
- The NQ market was very competitive but firms saw an opportunity to recruit outstanding candidates.
The document discusses the importance of disability income insurance. It notes that the probability of becoming disabled before age 65 is quite high. It also discusses how most disabilities are caused by illness rather than accidents. The document emphasizes that disability insurance can help replace lost income that results from being unable to work due to injury or illness. It highlights some limitations of relying solely on savings, employer-provided insurance, Social Security, or workers compensation.
Similar to Bridging The Protection Gaps A Simple Solution Rw Protect 260912 (20)
2. Agenda
The Protection Gaps - ten years on
Market performance - individual business
Market performance – group risk business
The future?
Consumer expectations
Ron Wheatcroft | Protect 26 September 2012 2
3. The Protection Gaps –
ten years on
Ron Wheatcroft | Protect 26 September 2012 3
4. The Protection Gaps – ten years on
Ron Wheatcroft | Protect 26 September 2012 4
6. Total new individual term policy sales – split
by stand alone term and term with CI rider, 2007 - 2011
1,800,000
1,600,000
482,103
503,352
476,060
523,881
1,400,000
462,751
1,200,000
1,000,000
1,059,827
1,037,446
1,031,625
985,144
964,225
800,000
600,000
400,000
200,000
0
2007 2008 2009 2010 2011
Stand alone term Term with ACCI Year
Ron Wheatcroft | Protect 26 September 2012 6
7. Total new individual whole life policy
sales, unit-linked, non-linked and guaranteed
acceptance plans, 2007 - 2011
450,000
400,682
400,000
371,467
350,000
318,078
300,000 282,438
250,000
219,362
200,000
150,000
100,000
50,000
0
2007 2008 2009 2010 2011
Year
WL sales
Ron Wheatcroft | Protect 26 September 2012 7
8. Total new individual income protection
policy sales, 2007 – 2011
140,000
126,815
120,000 117,288
111,780 110,743 110,472
100,000
80,000
60,000
40,000
20,000
0
2007 2008 2009 2010 2011
IP sales Year
Ron Wheatcroft | Protect 26 September 2012 8
9. The individual protection market
2011 sales figures flat with the exception of new whole life sales (largely
guaranteed acceptance)
Individual term sales impacted by sluggish mortgage market
Retail IP - a lost cause?
Ron Wheatcroft | Protect 26 September 2012 9
11. Group risk in force premium income (premiums
rounded to the nearest £1,000)
Product 2007 2008 2009 2010 2011
Group life 910,775,162 945,210,629 897,285,619 918,635,231 956,074,087
Group CI 37,230,015 45,403,103 48,393,386 50,252,281 55,005,102
Group IP 640,931,111 648,902,366 567,971,284 517,385,394 517,995,843
Ron Wheatcroft | Protect 26 September 2012 11
12. The group risk market
Has consistently provided around 40% of all insured death benefits in the
UK
Now provides 75% of all insured income protection benefits (has risen
from 70% in 2002)
In addition, a number of employers choose to retain some or all of the
cover promised to their workforce
Group CI is a small, but growing, market – is this the simplicity of the
message?
Around 10% of all premiums are now flex or voluntary
Ron Wheatcroft | Protect 26 September 2012 12
13. The future
RDR good for protection sales?
Gender-neutral pricing - buy now while stocks last – but what next?
I-E
Mortgage Market Review
The Dilnot Review into social care funding
Auto-enrolment - impact on employers and employees
The EU agenda – IMD2, extending the gender ban to age and disability?
Financial exclusion - simple products? How to turn on consumers
Ron Wheatcroft | Protect 26 September 2012 13
15. Whose responsibility is it today?
Nursing care for the very old 80% 2% 10% 8%
Income during long-term illness 63% 12% 16% 9%
Rehabilitation and convalescence 63% 4% 22% 11%
Income after redundancy 55% 16% 21% 9%
Income in retirement 47% 12% 32% 9%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Ron Wheatcroft | Protect 26 September 2012
Government Employer Individual Don't know
16. Whose responsibility in 10 years’ time?
Nursing care for the very old 35% 2% 45% 18%
Income during long-term illness 31% 7% 44% 17%
Rehabilitation and convalescence 27% 3% 52% 19%
Income after redundancy 27% 8% 47% 17%
Income in retirement 23% 6% 55% 16%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Ron Wheatcroft | Protect 26 September 2012
Government Employer Individual Don't know
17. Which insurance products or benefits
do you have?
60%
50%
40%
30%
20%
10%
0%
Life insurance Critical illness Death-in-service Income protection Mortgage-payment Full pay from None of the above
benefit protection employer if
ill/ disabled
2009 2011
Ron Wheatcroft | Protect 26 September 2012
18. What’s your main reason for not
buying life insurance, critical illness
60%
cover or income protection?
50%
40%
30%
20%
10%
0%
Can't afford it Don't need it Haven't thought Haven't got Don't trust Difficult to Have enough My employer
about it around to it yet insurance calculate how insurance pays for it
companies much cover you already
-10% need
Ron Wheatcroft | Protect 26 September Life insurance
2012 Critical illness Income protection
19. Assuming you need life insurance cover of £100,000 how much
would you be willing to pay for this a month?
60%
50%
40%
30%
20%
10%
0%
£0 - £5 £6 - £10 £11 - £15 £16 - £20 £21 - £25 £26 - £50 £51+ Don't know
Ron Wheatcroft | Protect 26 September 2012
20. "Insurance needs to be
honest, clear and jargon free."
"Providers need to be seen to
be working with you, providing
a product where both of you
would get some value."
"If anyone’s telling you
anything, you’ve got to
Ron Wheatcroft | Protect 26 September 2012
understand the benefits of
having it."