Rune Bjerkes innlegg på LOs finanskonferanse 29.01.2014. Tema for konferansen var finansnæringens rammevilkår og konsekvenser for bankene, kundene og de ansatte
Alfred Berg Gambak - Nordnet investorkveld OsloNordnet Norge
Tirsdag 21. april 2015 ble Nordnet Investorkveld avholdt på Radisson Blu Scandinavia. På scenen stod Nordnet, DNB, SKAGEN og Alfred Berg Gambak med presentasjoner om sparing og investering.
Alfred Berg Gambak - Nordnet investorkveld OsloNordnet Norge
Tirsdag 21. april 2015 ble Nordnet Investorkveld avholdt på Radisson Blu Scandinavia. På scenen stod Nordnet, DNB, SKAGEN og Alfred Berg Gambak med presentasjoner om sparing og investering.
MakroSikt leverer makroanalyser til aktører som betjener konsumentmarkedet. Analysene omfatter både fortid, nåtid og fremtid. Våre verktøy er solide kunnskaper i økonomisk teori, åpne kilder, egne undersøkelser og økonomiske modeller. Selskapets leveranser skal:
* Hjelpe våre oppdragsgivere med å forstå markedsutviklingen
* Levere fakta og beslutningsunderlag
* Levere prognoser som underlag for langsiktige operative planer
* Bidra til profilering av våre oppdragsgivere i mediene
This document describes different natural and man-made landscapes that can be found around schools and in different parts of the world. It discusses seeing trees, houses, flowers, and roads around schools, and mentions mountains, forests, plains, beaches, and islands that can be found inland and along coasts in Spain. The document also depicts cliffs, beaches, islands, seaweed, sand, and sea at the coast and asks questions about what can be seen in different landscapes.
Robert F. Canada has over 50 years of experience in recreation administration, coaching, and education. He received his Bachelor's degree from Memphis State University in 1968, his Master's in 1973, and his Doctorate of Naturopathy in 2001. Canada has held several roles within recreation departments and as a golf coach at both the community college and university level. He is currently an Assistant Professor at Oral Roberts University where he has worked since 1994. Canada has received numerous honors and awards for his work in recreation, athletics, and coaching over his career.
Kenneth Preston is an associate professor at Oral Roberts University with over 30 years of experience in academia. He holds a B.S., MBA, and Ed.D. and has taught various computer science and mathematics courses. He has authored several publications including books and papers. Preston has held leadership roles including department chair and has received many professional awards and honors over his career.
La dieta hipoglúcida se enfoca en reducir el consumo de alimentos que elevan rápidamente los niveles de azúcar en la sangre como los carbohidratos de absorción rápida, para ayudar a controlar los niveles de azúcar en la sangre y prevenir picos y bajadas.
This document describes physical characteristics of the author and their friend. It states that the author is a boy or girl and lists their eye color, hair length, and hair color. It also lists the eye colors, hair lengths, and hair colors of the author's friend.
This curriculum vita outlines the educational and professional background of Randall D. Feller. He holds a Ph.D. in Counseling Psychology from Oklahoma State University and has over 30 years of experience in teaching, clinical work, and administration. Currently, he is a tenured full professor and chair of the Behavioral Sciences Department at Oral Roberts University, where he has worked since 1999. He also maintains a private practice providing psychotherapy.
Piaget's theory is one of the first cognitive theories of child development, developed by Jean Piaget beginning in 1920. Piaget observed children at different ages and described their cognitive development from birth through adolescence, including concepts like language, scientific reasoning, morality, and memory. His theory provides a broad view of cognitive development over a person's lifespan.
MakroSikt leverer makroanalyser til aktører som betjener konsumentmarkedet. Analysene omfatter både fortid, nåtid og fremtid. Våre verktøy er solide kunnskaper i økonomisk teori, åpne kilder, egne undersøkelser og økonomiske modeller. Selskapets leveranser skal:
* Hjelpe våre oppdragsgivere med å forstå markedsutviklingen
* Levere fakta og beslutningsunderlag
* Levere prognoser som underlag for langsiktige operative planer
* Bidra til profilering av våre oppdragsgivere i mediene
This document describes different natural and man-made landscapes that can be found around schools and in different parts of the world. It discusses seeing trees, houses, flowers, and roads around schools, and mentions mountains, forests, plains, beaches, and islands that can be found inland and along coasts in Spain. The document also depicts cliffs, beaches, islands, seaweed, sand, and sea at the coast and asks questions about what can be seen in different landscapes.
Robert F. Canada has over 50 years of experience in recreation administration, coaching, and education. He received his Bachelor's degree from Memphis State University in 1968, his Master's in 1973, and his Doctorate of Naturopathy in 2001. Canada has held several roles within recreation departments and as a golf coach at both the community college and university level. He is currently an Assistant Professor at Oral Roberts University where he has worked since 1994. Canada has received numerous honors and awards for his work in recreation, athletics, and coaching over his career.
Kenneth Preston is an associate professor at Oral Roberts University with over 30 years of experience in academia. He holds a B.S., MBA, and Ed.D. and has taught various computer science and mathematics courses. He has authored several publications including books and papers. Preston has held leadership roles including department chair and has received many professional awards and honors over his career.
La dieta hipoglúcida se enfoca en reducir el consumo de alimentos que elevan rápidamente los niveles de azúcar en la sangre como los carbohidratos de absorción rápida, para ayudar a controlar los niveles de azúcar en la sangre y prevenir picos y bajadas.
This document describes physical characteristics of the author and their friend. It states that the author is a boy or girl and lists their eye color, hair length, and hair color. It also lists the eye colors, hair lengths, and hair colors of the author's friend.
This curriculum vita outlines the educational and professional background of Randall D. Feller. He holds a Ph.D. in Counseling Psychology from Oklahoma State University and has over 30 years of experience in teaching, clinical work, and administration. Currently, he is a tenured full professor and chair of the Behavioral Sciences Department at Oral Roberts University, where he has worked since 1999. He also maintains a private practice providing psychotherapy.
Piaget's theory is one of the first cognitive theories of child development, developed by Jean Piaget beginning in 1920. Piaget observed children at different ages and described their cognitive development from birth through adolescence, including concepts like language, scientific reasoning, morality, and memory. His theory provides a broad view of cognitive development over a person's lifespan.
What's You Sees is What's You Gets- The Land Titles Registry I Once KnewRichard Saad
- The court case CIBC Mortgages Inc. v. Computershare Trust Co of Canada examined competing claims over priority of mortgages on a property where the earliest mortgage had been fraudulently discharged without the mortgagee's knowledge.
- The court ruled that the fraudulent discharge did not invalidate the earliest mortgage, so it retained priority over the subsequent mortgages registered based on the fraudulent state of title.
- This calls into question common assumptions that the land titles registry provides a perfect record of title and that a mortgagee can rely entirely on the state of registered title without further investigation into how prior mortgages may have been discharged. It suggests mortgagees may need to scrutinize borrowers
Mortgages and Commercial Tenancies Considering Goodyear Canada Inc v Burnhamt...Richard Saad
This document discusses the implications of a mortgagee taking possession of a property where there are existing leases on the property. It summarizes the key issues from the Goodyear Canada Inc v. Burnhamthorpe Square Inc case, including that where a lease is registered after a mortgage, the mortgagee holds paramount title and can eject the tenant upon taking possession. However, if the mortgagee enters into a new lease agreement with the tenant or has the tenant pay rent, a new tenancy is created between the mortgagee and tenant. The document also examines the legal principles of privity of contract and privity of estate and how they are impacted when a mortgagee takes possession of a property that is subject to existing le
The document summarizes the 2013 French Open finals. In the women's final, Serena Williams defeated Maria Sharapova in straight sets 6-4, 6-4 to win her 16th grand slam title. In the men's final, Rafael Nadal swept David Ferrer to win his 8th French Open title, becoming the first man to win 8 titles at the same grand slam. Nadal defeated Ferrer 6-3, 6-2, 6-3 on the clay courts of Roland Garros.
This document discusses healthy eating habits and lifestyle. It recommends eating a variety of foods from different food groups including fruits, vegetables, grains, proteins and dairy. It emphasizes eating 5 servings of fruits and vegetables per day for health, and getting balanced nutrition from carbohydrates, proteins, fats, vitamins and minerals. The document also stresses the importance of drinking water, washing hands, brushing teeth, exercise, sleep and developing healthy habits to stay healthy and avoid health problems.
The document describes various facilities and places that can be found in a city, including residential, commercial, educational, recreational, transportation, and civic buildings. It asks what activities can be done in each place, such as reading at the library, buying bread at the bakery, seeing a football match at the stadium, learning at school, swimming at the pool, and seeing a movie at the cinema. In total, over 30 common city locations are listed, from homes and shops to parks, museums, and transportation hubs.
Rita is planning a trip to Puerto Rico to visit relatives. She still needs to do some tasks to prepare for her trip, such as going shopping for a new suitcase and searching online for cheap flights. Marisol asks if it is easy to find good deals on flights online. Rita responds that while it's not too difficult, some research is required. She provides details about her itinerary, saying she will first visit relatives in San Juan and then the group will go somewhere to go snorkeling.
This document discusses the importance of air and water. It notes that water is found in many places in nature like waterfalls, clouds, lakes, snow, and seas, and that it is essential for people, plants, and animals for purposes like cooking, cleaning, washing, and swimming. The document also states that air is needed by all living things and is everywhere, and that the wind can move kites, boats, and clothes, while the weather can be sunny, cloudy, rainy, foggy, windy, stormy, or snowy.
Powerpointlandscapes 130428140248-phpapp01Gloria Moral
The document discusses different types of landscapes including mountains, lakes, forests, plains, cliffs, sand, and seas. It notes that mountains, rivers, and plants are natural features of landscapes, while houses, parks, and roads are man-made features. The document also discusses various animals that live in the sea, such as dolphins, octopuses, fish, starfish, jellyfish, and crabs. Beach safety flags are mentioned, with green meaning it's safe to enter the water, red meaning entry is prohibited, and yellow requiring caution.
The document lists various places and occupations that can be found in a neighborhood, including a baker's, chemist's, school, church, park, library, supermarket, post office, swimming pool, and bank. It describes jobs such as bakers, firefighters, teachers, and postmen. It also mentions things that can be found in streets, such as bins, zebra crossings, traffic lights, post boxes, and street lamps. Finally, it lists different modes of transportation like boats, cars, buses, planes, helicopters, and bikes.
This curriculum vitae summarizes the education and experiences of Catherine E. Klehm. She received her Ed.D. in Chemistry/Educational Administration from Oklahoma State University and has over 20 years of experience teaching chemistry at Oral Roberts University. Her areas of expertise include general chemistry, principles of chemistry, and secondary science teaching methods. She has received several grants and awards for her work in chemistry education and community outreach.
Presentasjon fra DNB på Nordnet investorkveld 08.10.15 i DrammenNordnet Norge
Presentasjon holdt av Per-Erling Mikkelsen fra DNB Wealth Management. Den inneholder tips om hva du bør tenke på når du skal lage og følge en langsiktig sparestrategi som kan hjelpe deg å få bedre avkastning.
Helgeland Sparebank fylte 150 år den 7. januar 2010. Denne begivenheten ønsket banken å markere med en gave til helgelendingene, i form av et verktøy til å forberede og påvirke samfunnsutviklingen på Helgeland frem mot år 2020. Vi engasjerte derfor professor Bjørn Olsen og førsteamanuensis Erlend Bullvåg ved Handelshøgskolen i Bodø, som sammen med professor Jon-Arild Johannessen ved Høgskolen i Harstad har laget fagrapporten «Helgeland mot 2020».
Tone Merethe Gamlemshaug - DNB - Fra bank til teknologiselskap First Tuesday Bergen
Tone Merethe Gamlemshaug fra DNB innledet med å fortelle om utviklingen innen bruk av banktjenester. Når kun 1% av kundene møter opp fysisk i banken, mens de har 10 millioner besøkende i nettbanken hver måned, er man nødt til å tenke nytt. Utfordringen er lagt og det er ikke så rart at DNB sier de er mer en teknologibedrift enn en bank. Det handler ikke lenger om produkter og tjenester, men om brukeropplevelse. All innovasjon må være knyttet til brukeropplevelse.
2. Finansnæringen i Norge
Viktig bidragsyter til norsk verdiskapning
• 2 % av sysselsettingen
Bruttoprodukt per utførte timeverk
Faste 2005-priser, 1990-2012
1200
• 7 % av verdiskapningen
1000
800
600
Effektiv og produktiv
• Høyt bruttoprodukt per sysselsatt
400
200
• Høy produktivitetsvekst
0
1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012
Finansierings- og forsikringsvirksomhet
Fastlands-Norge uten Fin.sektor
Kilde: SSB
3. Finansnæringen er Fastlands-Norges største skatteyter
Utliknet skatt for aksjeselskaper
2007-2012, Millioner kroner
Finansierings- og forsikringsvirksomhet
Varehandel, reparasjon av motorvogner
Elektrisitets-, gass-, damp- og varmtvannsforsyning
Industri
Omsetning og drift av fast eiendom
Transport og lagring
Bygge- og anleggsvirksomhet
0
3
Kilde: SSB
20000
40000
60000
80000
100000
4. Banksektoren i Norge er ikke stor
Bankenes totalbalanse som andel av BNP
609
550
449
376
279
174
Norge
Belgia
Tyskland
312
183
Island
283
400
4
Finland
Kilde: Norges Bank
Danmark
Sverige
Nederland Storbritannia
Irland
5. Store verdier skal forvaltes - en næring som stadig blir viktigere
Statens pensjonsfond Utland
Utvikling i antall dollarmillionærer
Ved årets begynnelse, NOK milliarder
Norge, Prosent
5034
18.7%
2011
5
Kilde: Statsbudsjettet, Capgemini’s World Wealth Report 2013
2012
7. Nye bankreguleringer er
krevende å imøtekomme
Kapitalbehov for å møte nye
kapitalkrav frem mot juli 2016
Forventet
kredittvekst i %
Totalt
kapitalbehov*
0%
74 mrd
+2,5 %
95 mrd
+5,0 %
120 mrd
7
Kilde: Finanstilsynet * Forutsetter at minstekravet til kjernekapitaldekning er henholdsvis 12 og 10 prosent
for systemviktige og øvrige banker 1.juli 2016. Inkludert motsyklisk buffer på 1 prosent innen 30.juni 2015
8. Knapphet på kapital gir konsekvenser for flere enn bankene
…men obligasjonsmarkedet er ikke for
alle…
Obligasjoner har tatt over for
ordinære banklån….
Vekst i utestående gjeld til bedrifter
NOKmrd
99,5%
100
85
80
60
49
44
Andel bedrifter under 100 ansatte
40
20
12
9
90%
0
-10
-20
2011
Norske banker
2012
H12013
Norske obligasjonsmarked
8
Kilde: DNB Markets, ssb
Andel bedrifter under 10 ansatte
9. Tøffere reguleringer har satt sine spor i boligmarkedet
- kontrollert nedkjøling av et hett marked
Boligpriser
Gjennomsnittspris per m2, NOK
35 000
30 000
25 000
20 000
15 000
10 000
5 000
0
2000
2002
2005
2007
2010
2012
9
2015
Kilde: EFF//finn.no/Eiendomsverdi/DNB Markets
10. Store kapitalbehov har gitt høyere renter på boliglån
- men det er ingen rentefest for bankene
…men historisk sett er marginene lave
I det korte bildet har boliglånsmarginene økt..
2.0
Rentemargin på boliglån
Utlånsrente over fundingkostnad
Rentemargin norske banker,
Differansen mellom bankenes utlånsrente og
innskuddsrente
6
5
Mortgage margin (%)
1.5
4
1.0
3
2
0.5
1
0.0
0
-0.5
DANSKE
DNB
NDA
SRBANK
MING
10
1990
NONG
Kilde: DNB Markets/SSB.no
1993
1996
1999
2002
2005
2008
2011
2013
12. Nordmenn er ikke lenger født med ski på bena,
men med en mobil i hånda
Banken brukes på nye måter
Innskudd bankkontor
Uttak i bankkontor
Bruk av SMS
Kontoinformasjon på sms
2 500 000
80000000
70000000
60000000
2 000 000
50000000
1 500 000
40000000
1 000 000
30000000
500 000
20000000
10000000
2008
2009
2010
2011
2012
12
2013
Kilde: DNB
13. Døgnet har 24 timer - nå også for bankene
Gjennomsnittlig antall kundehenvendelser på
DNB Kundesenter på et døgn
00:00
01:00
02:00
03:00
04:00
05:00
06:00
07:00
08:00
09:00
10:00
11:00
12:00
13:00
14:00
15:00
16:00
17:00
18:00
19:00
20:00
21:00
22:00
23:00
Over 40% av
henvendelsene
er utenfor
vanlig
arbeidstid
13
Kilde: DNB
14. Finansnæringen i morgendagens Norge
- en sentral samfunnsaktør
Finansiere privatpersoner
og bedrifter
Sikre teknologiske
fremskritt
14
Støtte norske næringer
og bidra til økonomisk
vekst
Sikre god forvaltning