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.
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. 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 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 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 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. 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 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 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.
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.
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.
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 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 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.
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 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.
- LPS Brasil is a leading real estate brokerage firm in Brazil with a national footprint. It provides brokerage services for both primary and secondary markets.
- The presentation highlights LPS Brasil's scale and long operating history in Brazil, with over 230 developer clients. It also notes the company's focus on online marketing and growing mortgage joint venture.
- LPS Brasil has a simple and low risk business model, generating commissions from brokerage services without taking on development risk. The company sees opportunities to further grow its business through acquisitions and geographic expansion.
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.
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.
Cyrela - Corporate Presentation - November 2009Cyrela
This document summarizes Cyrela's business and the Brazilian real estate market:
1) Cyrela is the largest homebuilder in Brazil with almost 50 years of experience and a nationwide presence across income segments.
2) The Brazilian real estate sector is poised for strong growth driven by demographics, rising incomes, and a large housing deficit despite a recent slowdown.
3) Cyrela is well positioned to capture growth opportunities given its scale, execution capacity, nationwide footprint, and track record of innovation and expansion into new segments and regions.
[1] O documento descreve o desempenho e estratégia do Grupo JMalucelli, que atua nos setores financeiro e de seguros no Brasil.
[2] O Grupo teve um excelente desempenho em 2009 apesar da crise, com crescimento do crédito consignado, da carteira de crédito e do lucro líquido.
[3] As subsidiárias de seguros e resseguros tiveram participação crescente no resultado consolidado do Grupo no terceiro trimestre de 2009.
Presentacón sobre "Los virus y antivirus" informática 1º J equipo #2alfredopatorock
El documento habla sobre virus informáticos y antivirus. Explica que los virus son programas maliciosos que infectan computadoras con el objetivo de dañar archivos o robar información, mientras que los antivirus son programas diseñados para detectar y eliminar virus. También describe diferentes tipos de virus comunes como gusanos, troyanos y ransomware, así como ejemplos populares de software antivirus como NOD32, AVG y Avira.
El documento describe la importancia del reciclaje para reducir la basura en las ciudades y minimizar el riesgo de enfermedades. También explica que el reciclaje ayuda a crear una cultura de cuidado ambiental que controla la mala disposición de desechos.
Compartir presentaciones, documentos y videosAlejandra
Este documento describe diferentes formas de compartir presentaciones, documentos y videos en línea, incluyendo crear cuentas en Slideshare y YouTube para compartir presentaciones y videos respectivamente, y registrar nombres de usuario y contraseñas para acceder a estas cuentas y opciones para compartir el contenido con otras redes sociales.
Linux es un sistema operativo multitarea y multiusuario con seguridad basada en permisos de usuarios, mientras que Windows es de código cerrado. Linux requiere menos recursos hardware, tiene una comunidad que ofrece soporte y documentación, y herramientas flexibles para particionar discos. Windows tiene mayor riesgo de virus debido a que los usuarios suelen trabajar como administradores.
La CPU realiza operaciones matemáticas y envía los resultados al procesador de entrada y salida (E/S) para guardarlos en el disco duro. El procesador de E/S comunica las órdenes de escritura al disco duro y transfiere los datos entre la CPU y el disco duro para su almacenamiento.
Este documento habla sobre virus y antivirus. Explica que un virus es un programa dañino que se reproduce para infectar otras computadoras, mientras que un antivirus es un programa diseñado para prevenir, detectar y eliminar virus. Luego describe diferentes tipos de virus como gusanos, mutantes, de programa y de enlace, así como también diferentes antivirus populares como Norton, McAfee, Sophos y sus características.
Diferencias técnicas entre windows y linuxpocoya22
Linux ofrece dos entornos gráficos principales, KDE y GNOME, mientras que Windows tiene una interfaz gráfica propietaria. La instalación de Linux varía según la distribución, pero generalmente incluye un instalador gráfico, a diferencia de Windows que antes requería una instalación en dos etapas. Linux también se caracteriza por su mayor flexibilidad en la partición del disco, su falta de necesidad de activación, y porque es de código abierto y gratuito, a diferencia de Windows.
Este documento describe brevemente la informática, las computadoras, y la historia de la computación. Explica que la informática estudia el procesamiento automático de la información, que una computadora es un dispositivo electrónico que acepta datos de entrada, los procesa mediante programas, y genera información, y que figuras históricas como Babbage, Hollerith, Eckert y Mauchly hicieron contribuciones pioneras al desarrollo de las computadoras modernas.
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.
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.
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 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 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.
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 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.
- LPS Brasil is a leading real estate brokerage firm in Brazil with a national footprint. It provides brokerage services for both primary and secondary markets.
- The presentation highlights LPS Brasil's scale and long operating history in Brazil, with over 230 developer clients. It also notes the company's focus on online marketing and growing mortgage joint venture.
- LPS Brasil has a simple and low risk business model, generating commissions from brokerage services without taking on development risk. The company sees opportunities to further grow its business through acquisitions and geographic expansion.
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.
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.
Cyrela - Corporate Presentation - November 2009Cyrela
This document summarizes Cyrela's business and the Brazilian real estate market:
1) Cyrela is the largest homebuilder in Brazil with almost 50 years of experience and a nationwide presence across income segments.
2) The Brazilian real estate sector is poised for strong growth driven by demographics, rising incomes, and a large housing deficit despite a recent slowdown.
3) Cyrela is well positioned to capture growth opportunities given its scale, execution capacity, nationwide footprint, and track record of innovation and expansion into new segments and regions.
[1] O documento descreve o desempenho e estratégia do Grupo JMalucelli, que atua nos setores financeiro e de seguros no Brasil.
[2] O Grupo teve um excelente desempenho em 2009 apesar da crise, com crescimento do crédito consignado, da carteira de crédito e do lucro líquido.
[3] As subsidiárias de seguros e resseguros tiveram participação crescente no resultado consolidado do Grupo no terceiro trimestre de 2009.
Presentacón sobre "Los virus y antivirus" informática 1º J equipo #2alfredopatorock
El documento habla sobre virus informáticos y antivirus. Explica que los virus son programas maliciosos que infectan computadoras con el objetivo de dañar archivos o robar información, mientras que los antivirus son programas diseñados para detectar y eliminar virus. También describe diferentes tipos de virus comunes como gusanos, troyanos y ransomware, así como ejemplos populares de software antivirus como NOD32, AVG y Avira.
El documento describe la importancia del reciclaje para reducir la basura en las ciudades y minimizar el riesgo de enfermedades. También explica que el reciclaje ayuda a crear una cultura de cuidado ambiental que controla la mala disposición de desechos.
Compartir presentaciones, documentos y videosAlejandra
Este documento describe diferentes formas de compartir presentaciones, documentos y videos en línea, incluyendo crear cuentas en Slideshare y YouTube para compartir presentaciones y videos respectivamente, y registrar nombres de usuario y contraseñas para acceder a estas cuentas y opciones para compartir el contenido con otras redes sociales.
Linux es un sistema operativo multitarea y multiusuario con seguridad basada en permisos de usuarios, mientras que Windows es de código cerrado. Linux requiere menos recursos hardware, tiene una comunidad que ofrece soporte y documentación, y herramientas flexibles para particionar discos. Windows tiene mayor riesgo de virus debido a que los usuarios suelen trabajar como administradores.
La CPU realiza operaciones matemáticas y envía los resultados al procesador de entrada y salida (E/S) para guardarlos en el disco duro. El procesador de E/S comunica las órdenes de escritura al disco duro y transfiere los datos entre la CPU y el disco duro para su almacenamiento.
Este documento habla sobre virus y antivirus. Explica que un virus es un programa dañino que se reproduce para infectar otras computadoras, mientras que un antivirus es un programa diseñado para prevenir, detectar y eliminar virus. Luego describe diferentes tipos de virus como gusanos, mutantes, de programa y de enlace, así como también diferentes antivirus populares como Norton, McAfee, Sophos y sus características.
Diferencias técnicas entre windows y linuxpocoya22
Linux ofrece dos entornos gráficos principales, KDE y GNOME, mientras que Windows tiene una interfaz gráfica propietaria. La instalación de Linux varía según la distribución, pero generalmente incluye un instalador gráfico, a diferencia de Windows que antes requería una instalación en dos etapas. Linux también se caracteriza por su mayor flexibilidad en la partición del disco, su falta de necesidad de activación, y porque es de código abierto y gratuito, a diferencia de Windows.
Este documento describe brevemente la informática, las computadoras, y la historia de la computación. Explica que la informática estudia el procesamiento automático de la información, que una computadora es un dispositivo electrónico que acepta datos de entrada, los procesa mediante programas, y genera información, y que figuras históricas como Babbage, Hollerith, Eckert y Mauchly hicieron contribuciones pioneras al desarrollo de las computadoras modernas.
Este documento describe el proyecto Canaima Educativo del gobierno venezolano, cuyo objetivo es garantizar el acceso a las tecnologías de la información dotando computadoras portátiles a estudiantes y docentes. También incluye entrevistas a docentes y estudiantes sobre cómo usan las computadoras Canaima para facilitar el aprendizaje. Finalmente, presenta matrices FODA sobre el uso actual de las Canaimas por parte de docentes y estudiantes.
Estrategias pedagogicas en el uso de las canaimas del L.B "Cecilio Acosta" Co...oneidaaraujo
Este documento describe el proyecto educativo Canaima de Venezuela, el cual tiene como objetivo garantizar el acceso de estudiantes y docentes a la tecnología. Se discuten las dimensiones pedagógica, humana y tecnológica del proyecto, así como estrategias para capacitar a docentes y mejorar el uso de las computadoras portátiles Canaima en las aulas. Finalmente, se proponen acciones para evaluar y monitorear la implementación del proyecto en una escuela específica.
El documento compara las historias y orígenes de Linux y Windows. Linux se originó a partir del sistema operativo UNIX y del sistema Minix, mientras que el proyecto GNU contribuyó con componentes clave. Windows comenzó como un sistema gráfico para DOS y pasó por varias versiones hasta convertirse en un sistema operativo completo.
La informática se refiere a la automatización de toda la información mediante equipos electrónicos para evitar la repetición de tareas, mientras que la computación se centra en el estudio científico de los sistemas automatizados de manejo de información a través de herramientas diseñadas para ese propósito. La informática es más general porque está relacionada con toda la información, mientras que la computación es una herramienta específica al servicio de la informática.
Este documento describe las diferentes áreas en las que se utilizan las computadoras, incluyendo usos personales, educativos y laborales. Detalla cómo las computadoras se usan para la comunicación, tareas escolares, finanzas, entretenimiento y más en el ámbito personal, y en asignaturas, tareas, compartir información y crear contenido en el ámbito educativo. También explica el uso de computadoras en negocios, trabajo remoto, industria, servicios, gobierno, banca y medicina en el ámbito laboral.
El documento describe las diversas áreas en las que se utilizan las computadoras, incluyendo usos personales como comunicación y finanzas, educativos como tareas escolares y compartir información, laborales como negocios, trabajo remoto y tareas operativas, e industriales y del gobierno como fabricación, servicios, publicidad y medicina.
El documento presenta la diferencia entre computación e informática. La computación se refiere al estudio científico de las computadoras y el manejo de información, mientras que la informática es el tratamiento de información a través de medios automatizados como dispositivos computacionales y software. Algunos miembros del equipo concluyen que la informática usa la computación y se enfoca más en aplicaciones, mientras que la computación estudia sistemas automatizados.
Linux tiene dos barras de herramientas mientras que Windows solo tiene una, la barra principal de Linux está en la parte superior y cierra sesión de forma diferente, y aunque los programas de Office existen en Linux con otros nombres al igual que el navegador predeterminado siendo Firefox en vez de Internet Explorer, Linux es más rápido y gratuito y no recibe virus a diferencia de Windows que es más fácil de usar.
El documento discute los aportes de la informática a la educación. Señala que los docentes deben capacitarse continuamente en el uso de la tecnología y que la informática debe incorporarse a la currícula escolar como una herramienta que permita aprender de manera más rápida y facilita. También destaca que la formación de los docentes debe incluir actualizaciones continuas sobre el uso pedagógico de la tecnología y que la incorporación de la informática en la educación universitaria es una decisión estratégica.
LPS Brasil is a leading real estate brokerage firm in Brazil with over 75 years of experience. It has a nationwide presence through owned stores and licensed brokers in 12 Brazilian states. LPS utilizes a simple and focused business model, providing brokerage and consulting services to developers across the development cycle. It has strong competitive advantages through its scale, brand recognition, sales force of almost 16,000 brokers, and integrated systems. LPS is also growing through targeted acquisitions of regional brokerage firms.
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 ("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.
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 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.
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.
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.
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 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.
PDG Realty has acquired a 14.5% stake in Brasil Brokers, a major Brazilian real estate brokerage with over 2,000 brokers across Brazil. The acquisition was made to invest in the growing real estate brokerage sector and diversify PDG Realty's portfolio. Brasil Brokers operates various subsidiary brokerage companies throughout Brazil specializing in different real estate segments and geographic regions.
LPS Brasil - Consultoria de Imóveis S.A. (Lopes) is a Brazilian real estate brokerage firm. This presentation provides an overview of Lopes' business model and track record. Lopes operates exclusively in real estate brokerage, avoiding conflicts of interest. It has over 300 developer clients and over 1 million buyer prospects. Lopes also offers value-added services to developers across the development cycle. The company has a national footprint through acquisitions and greenfield operations, and is the largest real estate brokerage firm in Brazil based on its scale and experience.
Lopes is Brazil's largest real estate brokerage firm with a national footprint and long history dating back to 1935. It has a simple and focused business model of providing value-added brokerage services to client developers. Lopes has over 160 developer clients and assisted in launching billions of dollars in residential projects in 2008 alone. The company is looking to capitalize on growth opportunities in the expanding low-income housing segment and secondary real estate market.
This document provides an overview of Lopes, a Brazilian real estate brokerage firm. It discusses Lopes' business model, growth strategy, and positioning in the real estate market. Key points include Lopes' focus on client developers, value-added services across the development cycle, geographic expansion nationwide, initiatives in the secondary market and low-income segments, and confidence in continued growth despite economic challenges.
PDG Realty invests in Brasil Brokers, a major Brazilian real estate brokerage company. Brasil Brokers operates through 11 brokerage companies across Brazil, with over 2,000 brokers. PDG Realty will hold approximately 14.5% of Brasil Brokers after transferring its stake in Avance, a real estate brokerage company, to Brasil Brokers. The acquisition allows PDG Realty to invest in the growing real estate brokerage sector and diversify its investments.
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.
This presentation provides an overview of LPS Brasil – Consultoria de Imóveis S.A. ("Lopes"), a Brazilian real estate brokerage company. It discusses Lopes' business model, operations, expansion strategy, and positioning in the growing Brazilian real estate market. Key highlights include Lopes' long operating history, client-focused model, national footprint, and role in the primary and secondary market segments across income levels.
This document provides an overview of Institutional Presentation for LPS Brasil – Consultoria de Imóveis S.A. It discusses LPS Brasil's business model, history, market position, expansion plans, and the Brazilian real estate market opportunities. LPS Brasil has the largest market share in Sao Paulo and provides brokerage and consulting services to developers. It has a nationwide presence and aims to benefit from the growing mortgage market and housing shortage in Brazil.
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.
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.
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
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.
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
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
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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 September 30th, 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
Top Imobiliário Award IG/ Insper Award
Ranking Valor 1000
Considered the main award Agressive strategies of M&A,
of the real estate industry in Listed by Valor Econômico as expanding business into other
Brazil; one of the 1000 largest business regions of the country;
groups in Brazil;
Lopes won The Top Imobiliário Lopes was considered the largest
aditions, since 1993. Greater emphasis on the 20 th company in real estate marketing
largest net margin between and consulting in Brazil, in the last five
all groups; years.
8th place in value generation
between 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
Speed of sales of 22.6% in 9M11, Leader in the primary market
and 52% for Habitcasa
R$12.8 billion in contracted sales
One-stop-shop: unique and
in 9M11. complete solution for the client
Most visited website in the real : unique platform to
estate sector: near 12 million develop the secondary market
visitors in the first nine months of : partnership with one
2011. 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: over 15,000
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 12 million unique accesses in
the first nine months of 2011
•600 launches and more than 45
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% Other*
13% 10% 11% 13% 12% 12% 10%
5% 2% 8% Northeast
6% 6% 6% 6% 2%
6% 10% 11% 12%
12%
South
7% 12% 10% 11% 12%
12% 9% 8% Brasília
7%
16% 14% 14% 9%
17%
5% 5% 11% 19% 18% 24% 21%
6% Rio de Janeiro
5%
53% 52% 54%
49% 50% São Paulo
46% 48% 44% 45%
3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11
*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
$ 2.14
$ 2.40
$ 0.07
$ 10 $ 0.19
Developer
$ 4.40 ²
Down- Gross $ 1.15
payment Commission $ 2.00
$ 0.85
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).
Rio de Janeiro – Entry by greenfield operation, with beginning of operations in
July 2006, with LCI-RJ. . Lopes acquires permanently an additional 10% stake
CE of Patrimóvel, in July 2010, and more 31% in October 2010 (51% total).
RN
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.
PE
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
BA (R$1.9 million + R$3.6 million earn out).
SOUTHERN REGION
DF States of Rio Grande do Sul, Santa Catarina and Paraná – Acquisition of 75% of
GO Dirani, in May 2007, for R$15.1 million (7.5x P/E 2008) and two ear-out
payments. In July 2008, Lopes acquired the 25% left by the call/put
MG mechanism.
ES
MIDDLE WEST REGION
SP RJ Federal District – Acquisition of 51% of Royal, in November 2007, for R$12
million (9.0x P/E 2008) and an earn-out payment.
PR
Goiás - Greenfield operation with beginning of operations in August 2008.
SC
NORTHEAST REGION
RS Bahia - Greenfield operation with beginning of operations in October 2007.
Pernambuco – Acquisition of 60% of Sérgio Miranda, in August 2007, for R$ 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
Pernambuco.
Lopes tracks developers’ regional movements, consolidates its Ceará e Rio Grande do Norte – Acquisition of 60% of Immobilis, in January
position as the largest consulting and sales player 2008, for R$2.4 million (10.0x P/E 2008) and an earn-out payment.
Source: Lopes RI 16
17. Sales Expertise in all Market Segments
HIGH Capital Augusta – Aug/11 CASE
Location Consolação/ SP 99% sold.
Developer: Esser
Sales 157 un. – R$ 10,150/m²
Usable Area 38 / 54 m2
MEDIUM-HIGH
Bosque da Estação – Jul/11 CASE
Location Saúde/ SP 100% sold.
Developer : Zogbi
Sales 52un. – R$7,250/m²
Usable Area 55 m²
MEDIUM Reserva do Horto – Aug/11 CASE
Location São Paulo/ SP 90% sold.
Developer : Jose Turecki
Sales 102 un. – R$ 4,400/m²
Usable Area 47 / 55 m²
Dez Guarapiranga – Aug/11 CASE
ECONOMIC
Location Guarapiranga/ SP 100% sold.
Developer : Cury
Sales 181 un. – R$ 3,220/m²
Usable Area 43 / 46 m2
Office Sumaré – Sep/11 CASE
BUSINESS UNITS
Local Sumaré/ SP 80% sold.
Developer : Rossi
Sales 125 un. – R$ 5,000/m²
Usable Area 32 / 449 m²
17
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$4,286 million
3Q10 3Q11
11% 11%
29%
36%
36% 31%
25%
22%
Units Sold
Total units sold = 12,929
3Q10 3Q11
9%
10%
30%
17% 12% 42%
44% 36%
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$14.3 million earn out).
Rio de Janeiro – Acquisition of 51% of Self Imóveis, in July 2010,
for R$ 2,6 million (R$900 thousand + R$1,7 million of earn out)
SOUTH REGION
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).
Paraná – Acquisition of 60% of Thá, in February 2011, for R$20.9
million (R$7.4 million + R$13.6 million of earnout).
FEDERAL DISTRICT :
Acquisition of 51% of AçãoDall’Oca in April 2011, for R$12.2 million
(R$3 million + R$9.2 million of earn out).
Pronto has 248 stores in 11 States + Federal District : 48 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
– 48 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
– 11 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
48 own stores and 200 licensed real estate brokers in 11 Over R$1.6 billion in financing
states and the Federal District
Relevance
Selective acquisitions to replicate the successful formula Incipient market in Brazil with huge expansion potential
used in the primary market
Growth
Potential
59% of CrediPronto! transactions are originated through
37% of Pronto!’s contracted sales are financed by Pronto!
Credipronto! Use of LPS Brasil’s platform and significant reduction in
CAPEX requirement
Synergies
Winning Model
25
25
26. CrediPronto!
Financed Volume Accumulated Volume Sold*
(R$ MM) (R$ MM)
1,699
358
187%
132%
154
591
3Q10 3Q11 sep/10 sep/11
In 3Q11, CrediPronto! financed R$358 million, reaching R$895 million in mortgage loans in 2011.
26
26
*It doesn’t include amortization.
27. CrediPronto!
Mortgages Portfolio
(R$ MM)
1,436
707%
178
Opening portfolio balance Ending portfolio balance
Jan/10 Sep/11
The Average Portfolio Balance in 3Q11 was R$1,272 million.
27
28. CrediPronto!
Accumulated Sales Volume *
(R$ MM)
1.843
1.698
1.598
1.461
11% 1,340
1,219
1,113
1,013
928
804 854
727
654
591
529
437 474
385
291 331
217 247
CrediPronto! financed over R$143 million in October 2011.
*Not including amortization.
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%
CrediPronto! already has a Market Share of
411 5.4% among private banks (excluding Caixa)
376 It is responsible for more than 15% of the
245
mortgage portfolio of Itaú
241
168 177 Total market financing 3T11: R$12.8 billion and
R$32.5 billion in the 9M11 (including Caixa)
100 209
179
125 145 147 144
1T10 2T10 3T10 4T10 1T11 2T11 3T11
Credipronto! Mercado
High Growth Potential – Real Estate Financing equals only 4% 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) = 1,2
3687
3578
2471
3.430
2517
2234
Year Units Lauched Units Sold
Units Sold
2008 34.500 32.800
2009 30.100 35.800 Units Launched
2010 37.300 35.870
08M11 16.600 20.400
37. Lopes’ Confidence Index (LCI) – September/11
Lopes is the first company to create a Real Estate Consumer Confidence Index.
Lopes’ Confidence Index (LCI)
September/11
133,1
125,0
118,0
116,9
100,0
82,0
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. Sales Speed over Supply
Lopes' Consolidated Sales Speed Habitcasa’s Sales Speed
51% 45.5%
24.5% 22.3%
2Q11 3Q11 2Q11 3Q11
*Management information, 39
The Sales Speed over Supply is obtained based on the quarter’s contracted GVS compared to inventory and launches.
45. 3Q11 Results
3Q11 Results
(R$ thousand)
Lopes Pronto! CrediPronto! Consolidado
Gross Revenue 80,981 25,868 8,356 115,206
Revenue from Real Estate Brokerage 77,356 25,868 534 103,759
Revenue to Accrue from Itaú 3,625 - - 3,625
Earn Out - - 7,822 7,822
Net Revenue 67,946 21,704 8,290 97,940
(-) Operating Costs and Expenses (44,988) (19,058) (3,416) (67,462)
(-) Stock Option Expenses (CPC 10) (469) - - (469)
(-) Expenses to Accrue from Itaú (238) - (286) (524)
(=)EBITDA 22,250 2,646 4,589 29,485
EBITDA Margin 32.7% 12,2% 55.4% 30.1%
(-) Depreciation and Amortization (6,005) (6,030) (10) (12,044)
(+/-) Financial Result 22,625 173 162 22,960
(-) Income and social contribution taxes (4,690) (1,622) (406) (6,717)
(=) Net Income for the year 34,180 (4,832) 4,335 33,683
Net Margin 50.3% -22.3% 52.3% 34.4%
(=) Net Income for the year
- Attributable to Non Controlling Shareholders (3,963)
- Attributable to Controlling Shareholders 29,721
Net margin after Non Controlling Shareholders 30.3%
45
46. CrediPronto!
(R$ thousand) P&L 2010
Amount financed 600,030
Portfolio opening balance 177,688
Portfolio ending balance 707,053
Portfolio average balance 403,587
Financial Margin 9,773
% Spread 2.42%
(-) SalesTaxes -919
(-) Total costs and expenses -22,087
(-) Expenses Itaú -3,471
(-) Expenses Olímpia -12,551
(-) Commissions -5,945
(-) Insurance and sinister (+/-) -120
(+/-) Bank correspondance -
(+) Other Revenues (Financial) 2,153
(-) Allowance for Doubtful Accounts -3,210
(-) IRPJ/CSLL 302
(=) Net result -13,988
% Net margin -143%
50% Profit Sharing -6,994
*The managerial P&L measures the results of the JV. Olimpia’s Results and all Revenues and Expenses incurred by Itau are considered. 46
• The numbers of the managerial P&L were audited for 2010 by Ernst&Young and, due to its managerial nature, it does not follow accounting standards.
47. 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
47
¹ Including general allowance
49. 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%
29% 29% 28% 26%
25% 24% 25%
22% 23% 23%
21% 22%
18% 19%
17% 16%
14% 15%
2005 2006 2007 2008* 2009 2010
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.
49