- Gross revenue for the quarter totaled R$109.8 million, a 6% increase over the previous year's quarter. Key growth indicators like revenue, net profit, and EBITDA increased.
- The number of cards processed reached 25.3 million, up 26.5% year-over-year. APs at CSU Contact increased 21.3% annually.
- For the first nine months of 2011, gross revenues totaled R$319.3 million, up 1.4% over the same period in 2010, demonstrating the company's resiliency with increasing growth and profitability.
TM as a Malaysia number 1 Information Communication Technologies provider. We have provide the Internet services, Communication Services, Web Hosting, and other Business Solution Packages.
Highlights of the second quarter of 2010. Net sales amounted to SEK 27,311m (27,482) and income for the period was SEK 1,028m (658), or SEK 3.61 (2.32) per share. Net sales increased by 2.8% in comparable currencies, due to higher sales volumes.
TM as a Malaysia number 1 Information Communication Technologies provider. We have provide the Internet services, Communication Services, Web Hosting, and other Business Solution Packages.
Highlights of the second quarter of 2010. Net sales amounted to SEK 27,311m (27,482) and income for the period was SEK 1,028m (658), or SEK 3.61 (2.32) per share. Net sales increased by 2.8% in comparable currencies, due to higher sales volumes.
Research shows the most successful companies use metrics and benchmarking as a key information and management tool. Benchmarks are used to help set internal targets, and gain agreement on the appropriate targets by providing neutral data to set performance expectations among the executive team. It is very easy to point fingers when you are only looking at internal data – using 3rdparty neutral data tends to focus everyone on problem solving rather than blaming or defensiveness.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
Adani SEBI investigation revealed that the latter had sought information from five foreign jurisdictions concerning the holdings of the firm’s foreign portfolio investors (FPIs) in relation to the alleged violations of the MPS Regulations. Nevertheless, the economic interest of the twelve FPIs based in tax haven jurisdictions still needs to be determined. The Adani Group firms classed these FPIs as public shareholders. According to Hindenburg, FPIs were used to get around regulatory standards.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
2. Quarter Highlights
• Gross Revenue totaled R$ 109.8 million, a record amount, and exceeded
3Q10’s revenues by 6.0%
Results
Resultado
• Evolution of the growth indicators and profitability during the year: revenues,
net profit and EBITDA, with a highlight being the 40.4% p.a. increase in
gross profit at CSU Contact, with a net margin of 7.8% in 3Q11
• Number of cards processed reached 25.3 million, with an increase of 26.5%
YoY
Operations • A 21.3% p.a. rise in CSU Contact’s APs, ending the period with 4,207
Negócios
workstations
• Launch of the Fans Engagement loyalty program and the Pre-paid Flex card
• Creation of Board of Directors’ Advisory Committees, focused on Strategy
and Development, Marketing and Markets, and Finance and Risks
Governance
Governança
• Consistent execution of the CARD3 share buy-back programs
2
3. Strategy: profitable growth
• Commercial focus • Only platform in the • Expansion of addressable • Focused on the
aimed at diversification market that is tested markets middle market
of the client base and in operation • Fans Engagement
• New issuers and • Improved financial
current PL issuers • Search for new
• Incorporation of the Web performance
clients
universe in the solutions
• Innovation: products offered • Broader scope of
and technologies • International
partnerships solutions
• Pre-paid Flex card
3
4. Clear and consistent resumption
of expansion
Gross Revenue Business Units Gross Revenue Share
(R$ million) (% of revenues - LTM)
109.0 109.8
103.6
100.5 CSU Contact CSU
97.8 48% CardSystem
52%
3Q10 4Q10 1Q11 2Q11 3Q11
Main Indicators Evolution • In the first nine months of
(R$ million)
2011, gross revenues totaled R$
102.0
101.1 319.3 million, up 1.4% over the
101.1
101.1 102.0
102.0 same period of 2010
96.0
93.5
93.5 93.5
91.0
27.3
27.3
• Company proves its
25.7
22.2
22.2
25.7
resiliency, with an increase in
15.1% 15.9%
16.3
16.3
13.2% 14.4% growth and profitability indicators
15.2%
15.9
15.9
14.4
14.4
during the course of the year: net
1Q11
1Q11 2Q11
2Q113Q10 4Q10
3Q11
3Q11
1Q11 2Q11 revenue, gross profit and EBITDA
3Q11
Gross Prof itit
Gross Prof EBITDA
EBITDA Net Income
Net Revenue
Net Income Operating Expenses
* 2010’s numbers were adjusted to reflect the effects of full adoption of the accounting convergence effective for each quarter of 2010. 4
5. Management of Costs and Expenses
Total Costs SG&A Expenses
(R$ million and % of net revenue) (R$ million and % of net revenue)
75.5 74.8
102.0 102.0
71.3 101.1 101.1
65.9 66.1 15.5
14.5 14.5 14.6
96.0 96.0 12.4
15.9%
93.5 93.5
91.0 91.0
15.9% 15.2%
15.1% 14.4%
76.3% 13.2%
74.6% 73.3%
15.1% 72.7%
15.9% 14.4% 15.2% 15.1% 15.9% 14.4% 15.2%
13.2% 13.2%
68.7%
3Q10 4Q10 1Q11 2Q11 3Q11 3Q10 4Q10 1Q11 2Q11 3Q11 *
Net Revenue Operating Expenses Net Revenue Operating Expenses
EBITDA x EBITDA Margin
(R$ thousand and % of net revenue)
20,582
17,304 16,341
15,941
14,400
21.4%
19.0% 15.8% 16.0%
15.4%
3Q10 4Q10 1Q11 2Q11 3Q11
* 3Q11 SG&A disconsider the one time effect of R$ 0.7 million referring to employees dismissals within a cost reduction program.
5
6. The evolution can be measured month
after month
• In 12 months, CSU presented strong organic growth, of 22% in revenues and 30% in
EBITDA, comparing the months of September
• The business unit CSU CardSystem improved revenues and gross profit by 12% p.a.;
• CSU Contact, besides contributing to a significant revenue diversification for the
Company, expanded its profitability, generating positive EBITDA in the month.
Sep-11 Sep-10 ∆%
CSU
Net Revenues 33,716 27,646 22.0%
Gross Profit 9,753 7,408 31.7%
EBITDA 6,616 5,080 30.2%
CSU CardSystem
Net Revenues 17,000 15,114 12.5%
Gross Profit 7,859 7,025 11.9%
EBITDA 6,269 5,936 5.6%
CSU Contact
Net Revenues 16,716 12,531 33.4%
Gross Profit 1,894 383 394.5%
EBITDA 347 (856) n.a.
6
7. Performance
Gross Revenue Gross Profit and Gross Margin
(R$ thousand) (R$ thousand and % net revenue)
QoQ: -0.4%
YoY: -7.7%
YoY: -14,6%
QoQ: -5,4%
59,948 55,560
54,251 55,332 27,218
49,778 24,969 24,579 23,242
21,058
49.2% 49.6% 48.1%
45.7% 45.6%
3T10 4T10 1T11 2T11 3T11
3T10 4T10 1T11 2T11 3T11
Billed and Registered Cards
(in millions – end of period) • 26.8% increase in the number of
YoY 26.8%
24.1 23.6
25.3 cards registered, with organic
22.6
20.0 20.6
22.0
growth and migration of Sicredi
17.3
17.1 17.0
cards (808,000)
• Reduction of revenues and gross
profit due to the alteration of the
card mix, with a greater share from
3Q10 4Q10 1Q11 2Q11 3Q11 PL
Billed cards Registered Cards 7
8. Performance
Number of Workstations
• 4,207 workstations, up 21.3%
(units) 21.3% over 3Q10;
4,433
3,757 3,918
4,207 • Reduction in number of
3,468
workstations in RJ; low
profitability operation not
556
compatible with the
400 426 442 295
Company’s objectives
3Q10 4Q10 1Q11 2Q11 3Q11
Training Total
Workstations per Type of Service
BPO
Current positioning seeks to
BPO 0.7%
Infrastructure 13.8% •
12.6%
Infrastructure win over premium segments
Collection
9.3%
8.2%
of the market, for
Collection
8.4%
example, with increasing
Telemarketing
21.1% Customer
Customer
Care participation as a BPO
Telemarketing
Care 56.3% 16.2% 49.3% services provider
Dec/10 Sep/11
8
9. Performance
Gross Revenue Gross Profit and Gross Margin
(R$ thousand) (R$ thousand and % Net revenue)
QoQ: 1.9%
YoY: 24.9% YoY: 40.4%
QoQ: 270%
53,454 54,479 4,003
50,723
43,616 43,533
2,851
7.8%
7.0%
1,107 1,081
2.3% 2.2%
3Q10 4Q10 1Q11 2Q11 3Q11 3Q10 4Q10-0.3% 1Q11 2Q11 3Q11
(117)
• Revenue growth prioritizes contracting of workstations with adequate pricing focused at
profitability expansion
• Gross margin of 7.8% in 3Q11 signals correct execution of strategy
• Company continues to seek additional opportunities for productivity gains
* 2010’s numbers were adjusted to reflect the effects of full adoption of the accounting convergence effective for each quarter of 2010. 9
10. Investments
• Capex during the quarter rose 20.1% in comparison with same quarter of 2010:
• R$ 5.0 million for the CSU CardSystem business unit, used consistently to create new
products and services and software development to receive new clients
• R$ 2.7 million invested by CSU Contact, a decline of 67.2% compared to the previous
quarter, due to concentration of new implementations in 2Q11
Capex - R$ million 3Q11 3Q10 ∆% 2Q11 ∆%
CSU CardSystem 5.0 4.3 16.7% 5.5 -9.8%
CSU Contact 2.8 2.2 27.1% 8.4 -67.2%
Capex 7.8 6.5 20.2% 13.9 -44.3%
10
11. Innovation with synergy between
the business divisions
End-to-end solutions in the
client’s life-cycle
New generation of loyalty programs:
• accumulation & redemptions;
• wide range of benefits & privileges;
• discounts and exemptions for tickets;
and FANS
• differentiated credit cards program as ENGAGEMENT
an integrating element.
End-to-end solutions in the
delivery of strategic and financial
planning through execution of
promotions, delivery of awards
and measurement of the results
11
12. Pioneerism overcomes cultural barriers
Solution for cultural barriers of
paying tariffs for the pre-paid cards
Access to non-traditional segments :
teaching
institutions, drugstores, football clubs
Pre-paid card converts to a credit card and fan clubs.
automatically :
• credit analysis based on individual
behavior;
• strong sales appeal, with lower CAC;
• good profitability and scale for the issuer;
• solution for private label or branded card PRE- CREDIT
FLEX CARD CARD
PAID
12
13. Awards 2011
National Tele-services Prize
Category: Retail
Case History: Operation Carrefour Customer Service
ABT Garrido Prize
. Category: Third-Party Operations (Active)
Case History: NET Telemarketing
. Category: Third-Party Operations (Receptive)
Case History: Operation TVA
Marketing Best Prize
History: CSU Acquirer
CSU Group
Abrasca Prize for Best Annual Report
Finalist
13
14. Further Information
Mônica Hojaij Carvalho Molina
Carlos Montenegro
Thatiana Zago
Investor Relations
Phone: (+55-11) 2106-3821
E-mail: ri@csu.com.br
Site: www.csu.com.br/ir
This material is the property of CSU CardSystem SA. Total or partial reproduction without the written approval of the
Company is prohibited. All rights reserved. The opinions expressed in this document may change at any time without notice.