Strategic Value Partners (www.consultsvp.com) is a global management consulting firm. Strategy consulting, turnarounds, mergers, acquisitions, divestitures, and spin-offs are at the core of our service offerings.
We created this guide to assist all business leaders and welcome your questions, comments, and feedback. We will continue to update this guide periodically.
To access our full library of COVID-19 resources for business leaders, visit us at https://www.consultsvp.com/managing-through-the-covid19-crisis.
Delivering more value to the business through
performance measurement and improved decision
support is the top priority for the finance function
through 2020. Among senior finance professionals
participating in the 2014 EY Global Insurance CFO
Survey, 71% indicated that “being a better business
partner” ranked among their top three priorities,
with 35% placing this as number one.
This document summarizes a presentation on remaking risk management in banking. It discusses progress in improving risk culture, linking business decisions to risk appetite, challenges around data and IT investments, and the impact of Basel III on business models. Some key findings include that most firms feel they are making progress in achieving a strong risk culture but have a long way to go, expressing risk appetite and embedding it into operations are top challenges, and Basel III is leading many banks to evaluate portfolios, shift from complex instruments, and potentially exit some businesses or geographies.
The world continues to face many pressures including high inflation.
1. GDP Risks - https://www.icis.com/explore/resources/news/2021/11/02/10701324/labour-shortage-poses-long-term-threat-to-us-gdp-economist
2. Inflation - https://www.thestreet.com/investing/earnings-beat-during-economic-slowdown
3. Energy crisis - https://news.sky.com/story/four-more-energy-firms-collapse-taking-total-number-of-firms-failing-during-crisis-to-18-12458114
4. Energy crisis - https://www.bloomberg.com/news/articles/2021-09-27/europe-s-energy-crisis-is-about-to-go-global-as-gas-prices-soar?utm_medium=cpc_search&utm_campaign=NB_ACQ_DSAXX_DSATESTTCPAXX_EVG_XXXX_XXX_COALL_EN_EN_X_BLOM_GO_SE_XXX_XXXXXXXXXX&gclid=Cj0KCQjw5oiMBhDtARIsAJi0qk3WzP_DyOjk333Yhse63d0gXD2B3OGCDUuRAF30MROt_IoiwBR-LqgaAlYWEALw_wcB&gclsrc=aw.ds
5. Food https://atlantic.ctvnews.ca/dairy-prices-expected-to-jump-in-the-new-year-1.5649789
6. Food https://www.aginfo.net/report/51186/The-Agribusiness-Update/Ag-Tech-Theft-Rises-and-Food-Prices-Continue-Upward-Trend
7. Global poverty - https://www.therecord.com/opinion/letters-to-the-editors/2021/11/02/global-poverty-has-risen-what-will-new-minister-do.html
8. Food - https://fortune.com/2021/11/01/elon-musk-net-worth-tesla-shares-hunger-tweet-world-food-program/
9. Household debt - https://www.fitchratings.com/research/banks/pandemic-induced-stimulus-spurs-higher-household-leverage-in-apac-markets-02-11-2021
10. Household savings - https://www.mpamag.com/ca/news/general/rbc-on-canadian-households-record-pandemic-savings/315231
Structured expert judgement (SEJ) was used to forecast political violence frequency by combining judgements from multiple experts. Experts provided confidence intervals and predictions for "seed questions" to determine their weighting. They then provided judgements for the target question. The performance-weighted combination of experts outperformed individual experts and equal-weighting, identifying true expertise. This demonstrates SEJ can enhance decision-making where data is limited, such as for political violence forecasting.
Intact Financial Corporation is Canada's largest property and casualty insurer with over $7 billion in direct premiums written annually. It has a leading market share position in several Canadian provinces and distinct insurance brands. The presentation outlines Intact's strategy to continue outperforming the Canadian P&C industry through initiatives like pricing segmentation, claims management, and organic growth. Intact also intends to pursue further industry consolidation and expanding its direct business. The company has a strong financial position and track record of acquisitions that has positioned it for continued growth.
Waves of change: revisited – Insurance opportunities in Sub-Saharan AfricaEY
EY and Oxford Economics surveyed 125 insurance executives in seven countries in sub-Saharan Africa to identify factors powering the growth of the insurance sector and determine how companies are balancing opportunities and risks.
Reserves planning: Determining the appropriate level of reserves for your org...Grant Thornton LLP
Maintaining adequate reserves is essential to establishing financial stability. These reserves provide a cushion to deal with operating deficits that may arise due to unexpected events, economic uncertainties, lean funding periods or opportunities for strategic investment. This presentation offers Grant Thornton’s latest thinking on how to establish appropriate reserves levels and our methodology for developing a sophisticated and robust risk-based approach to establishing a reserves policy within your organization.
This document analyzes JP Morgan Chase & Co. and provides a valuation using different models. Key points:
- JP Morgan is one of the largest and most established financial institutions globally, operating in consumer banking, corporate/investment banking, commercial banking, and asset management.
- Valuation models including a DCF model, dividend discount model, and relative P/TBV multiple yield target prices ranging from $67.53 to $72.15 per share, indicating the stock is undervalued at its current price of $53.07.
- The DCF model uses conservative assumptions around interest margins, loan growth, expenses, and return on tangible equity to derive a fair value estimate of $71.79
Delivering more value to the business through
performance measurement and improved decision
support is the top priority for the finance function
through 2020. Among senior finance professionals
participating in the 2014 EY Global Insurance CFO
Survey, 71% indicated that “being a better business
partner” ranked among their top three priorities,
with 35% placing this as number one.
This document summarizes a presentation on remaking risk management in banking. It discusses progress in improving risk culture, linking business decisions to risk appetite, challenges around data and IT investments, and the impact of Basel III on business models. Some key findings include that most firms feel they are making progress in achieving a strong risk culture but have a long way to go, expressing risk appetite and embedding it into operations are top challenges, and Basel III is leading many banks to evaluate portfolios, shift from complex instruments, and potentially exit some businesses or geographies.
The world continues to face many pressures including high inflation.
1. GDP Risks - https://www.icis.com/explore/resources/news/2021/11/02/10701324/labour-shortage-poses-long-term-threat-to-us-gdp-economist
2. Inflation - https://www.thestreet.com/investing/earnings-beat-during-economic-slowdown
3. Energy crisis - https://news.sky.com/story/four-more-energy-firms-collapse-taking-total-number-of-firms-failing-during-crisis-to-18-12458114
4. Energy crisis - https://www.bloomberg.com/news/articles/2021-09-27/europe-s-energy-crisis-is-about-to-go-global-as-gas-prices-soar?utm_medium=cpc_search&utm_campaign=NB_ACQ_DSAXX_DSATESTTCPAXX_EVG_XXXX_XXX_COALL_EN_EN_X_BLOM_GO_SE_XXX_XXXXXXXXXX&gclid=Cj0KCQjw5oiMBhDtARIsAJi0qk3WzP_DyOjk333Yhse63d0gXD2B3OGCDUuRAF30MROt_IoiwBR-LqgaAlYWEALw_wcB&gclsrc=aw.ds
5. Food https://atlantic.ctvnews.ca/dairy-prices-expected-to-jump-in-the-new-year-1.5649789
6. Food https://www.aginfo.net/report/51186/The-Agribusiness-Update/Ag-Tech-Theft-Rises-and-Food-Prices-Continue-Upward-Trend
7. Global poverty - https://www.therecord.com/opinion/letters-to-the-editors/2021/11/02/global-poverty-has-risen-what-will-new-minister-do.html
8. Food - https://fortune.com/2021/11/01/elon-musk-net-worth-tesla-shares-hunger-tweet-world-food-program/
9. Household debt - https://www.fitchratings.com/research/banks/pandemic-induced-stimulus-spurs-higher-household-leverage-in-apac-markets-02-11-2021
10. Household savings - https://www.mpamag.com/ca/news/general/rbc-on-canadian-households-record-pandemic-savings/315231
Structured expert judgement (SEJ) was used to forecast political violence frequency by combining judgements from multiple experts. Experts provided confidence intervals and predictions for "seed questions" to determine their weighting. They then provided judgements for the target question. The performance-weighted combination of experts outperformed individual experts and equal-weighting, identifying true expertise. This demonstrates SEJ can enhance decision-making where data is limited, such as for political violence forecasting.
Intact Financial Corporation is Canada's largest property and casualty insurer with over $7 billion in direct premiums written annually. It has a leading market share position in several Canadian provinces and distinct insurance brands. The presentation outlines Intact's strategy to continue outperforming the Canadian P&C industry through initiatives like pricing segmentation, claims management, and organic growth. Intact also intends to pursue further industry consolidation and expanding its direct business. The company has a strong financial position and track record of acquisitions that has positioned it for continued growth.
Waves of change: revisited – Insurance opportunities in Sub-Saharan AfricaEY
EY and Oxford Economics surveyed 125 insurance executives in seven countries in sub-Saharan Africa to identify factors powering the growth of the insurance sector and determine how companies are balancing opportunities and risks.
Reserves planning: Determining the appropriate level of reserves for your org...Grant Thornton LLP
Maintaining adequate reserves is essential to establishing financial stability. These reserves provide a cushion to deal with operating deficits that may arise due to unexpected events, economic uncertainties, lean funding periods or opportunities for strategic investment. This presentation offers Grant Thornton’s latest thinking on how to establish appropriate reserves levels and our methodology for developing a sophisticated and robust risk-based approach to establishing a reserves policy within your organization.
This document analyzes JP Morgan Chase & Co. and provides a valuation using different models. Key points:
- JP Morgan is one of the largest and most established financial institutions globally, operating in consumer banking, corporate/investment banking, commercial banking, and asset management.
- Valuation models including a DCF model, dividend discount model, and relative P/TBV multiple yield target prices ranging from $67.53 to $72.15 per share, indicating the stock is undervalued at its current price of $53.07.
- The DCF model uses conservative assumptions around interest margins, loan growth, expenses, and return on tangible equity to derive a fair value estimate of $71.79
Aveda energy investor presentation september 2013AvedaEnergy
This investor presentation provides an overview of Aveda Transportation and Energy Services, a growing provider of specialized oilfield hauling and rentals in Western Canada and the US. The summary highlights Aveda's experienced management team, financial performance showing consecutive quarters of revenue growth, and growth strategy focused on organic expansion and acquisitions to capitalize on opportunities in key North American oil and gas plays.
Genworth MI Canada reported solid results for the first quarter of 2013. Key highlights included:
- Net operating income of $85 million, in line with Q1 2012 results.
- Continued prudent risk management with a loss ratio of 31%.
- Strong capital position with a Minimum Capital Test ratio of 216%.
- Book value per share increased to $31.32, up 15% year-over-year.
Genworth MI Canada Investor Presentation September 2014genworth_financial
This document provides an overview and summary of Genworth MI Canada Inc. It begins with forward-looking statements and an explanation of non-IFRS financial measures used. The summary then covers Genworth's business overview, solid financial performance in the first half of 2014, strategic priorities of prudently growing market position while managing risk, and key takeaways about Genworth's leading position and track record of profitability in the Canadian mortgage insurance market.
Genworth MI Canada Inc. - Investor Presentation May/June 2013genworth_financial
1) Genworth MI Canada Inc. reported solid results for the first quarter of 2013, with net operating income of $85 million, an operating return on equity of 12%, and operating earnings per share of $0.86.
2) The company wrote $84 million in new mortgage insurance premiums in Q1 2013 and maintained a strong capital position with a minimum capital test ratio of 216%.
3) The company has a high quality investment portfolio of $5.3 billion, with 49% invested in federal and provincial bonds and a pre-tax yield of 3.7%.
Csod investor deck first quarter 2015 finalircornerstone
This presentation summarizes Cornerstone OnDemand's second quarter 2015 investor presentation. It discusses Cornerstone's position as a global leader in SaaS talent management with clients in 191 countries. The presentation highlights Cornerstone's best-of-breed product suite and established market leadership according to various analyst reports. It also outlines Cornerstone's growth strategy of increasing both market breadth and client penetration to reach $1 billion in revenue.
In 2013, the ban on general solicitation of accredited investors was lifted, causing the largest change to securities laws in decades. While everyone from startups to hedge funds will enjoy new liberties in investor marketing and outreach campaigns, it’s critical that the new rules are followed to a T, eliminating the chance for exemption rescission.
Csod investor deck second quarter finalircornerstone
Cornerstone provides a corporate overview and highlights of its second quarter 2016 performance. It discusses its evolution over the past 16 years from 4 employees to over 2,500 clients and 25 million users today. Cornerstone also reviews its strong financial results with continued growth in revenue, bookings, clients, and users. It outlines opportunities for further growth through continued core sales, global expansion, new market segments, industries, and maximizing its large installed base.
The document discusses the results of a worldwide survey on public financial management responses to the global financial crisis. Key findings include:
1) Nearly half of respondents said their country was negatively impacted by the crisis, with GDP and currency value being most affected.
2) 60% of countries initiated stimulus programs, with over half reporting programs as successful or very successful. Programs focused on tax cuts, social spending, and infrastructure investment.
3) Infrastructure investment is seen as critical to support economic growth, with education, transportation, and healthcare cited as top needs. Countries are focusing on attracting outside investment through improved infrastructure, legal systems, and transparency.
4) Over 60% of countries have used public-
FMC provides a presentation on their environmental, social and governance (ESG) goals and performance. Some key points:
1) FMC has set new 2025/2030 sustainability goals around innovation, safety, community engagement, and reducing their environmental footprint. They are also committed to supporting UN SDGs on zero hunger and life on land.
2) FMC conducts annual shareholder outreach to understand investor priorities around ESG topics. Recent feedback focused on assessing material ESG risks like climate change.
3) FMC has diversity initiatives like employee resource groups and a goal to increase women and minorities in their workforce to better reflect local communities. Their safety performance has significantly improved in recent years.
This document brings together a set
of latest data points and publicly
available information relevant for
Healthcare Industry. We are very
excited to share this content and
believe that readers will benefit from this periodic publication immensely.
Báo cáo 2020 Audience Insights for B2B Marketing là những số liệu chi tiết về xu hướng sử dụng các phương tiện truyền thông (media) từ hơn 11 triệu người ra quyết định dựa trên 20 ngành công nghiệp khác nhau.
This document provides an executive summary of a study by the Boston Consulting Group (BCG) on the fast-moving consumer goods (FMCG) sector. It finds that while FMCGs historically drove strong value creation, their performance has lagged peers in recent years. Five emerging disruptions will define the next era for FMCGs: amplified consumer expectations, erosion of scale advantages, focus on social impact, radical channel shifts, and an AI-powered business revolution. To succeed, FMCGs must follow five strategic imperatives: become agile portfolio managers, reinvent demand models, elevate operating models, digitize capabilities, and inspire with purpose.
Executive Sentiment on Revenue Recovery From the Impact of COVID-19Fann Nguyen
In this report, we have summarized the key findings and some of our observations from this research. Our aim is to contribute to the debate by providing fresh thinking and input to the discussion that you as business leaders are having with your colleagues.
Navigating the COVID-19 crisis | Ensuring business sustainabilityaakash malhotra
In these uncertain times, companies seek clarity on what could constitute a robust strategy to deal with short- to midterm implications (6–24 months) stemming from COVID-19.
A successful life insurance company in 2020 will need to focus on keeping promises and guarantees. It will need to choose appropriate risks to insure and develop products that customers find attractive. It will also need to carefully manage assets and liabilities to fund guarantees until they are due. Finally, it will be critical that the company is able to deliver on the promises it has made, even as the world faces financial and demographic challenges. Keeping promises will distinguish successful insurers from those that do not survive.
Interesting and concerning to see a leading company involved in the supply chain of one of the least efficient sources of fossil fuels listed as a climate leader. Does (or should this) signal a concern for those relying on CDP data and rankings for thier investment decisions?
Protecting your company's economic healthKorn Ferry
This document summarizes a webinar on protecting a company's economic health during the COVID-19 crisis. The webinar focused on assessing the depth and duration of the economic impact, approaches to cutting costs depending on those factors, and the importance of transparent communication and engagement during difficult decisions. Speakers provided insights on riding out short disruptions with temporary measures or restructuring for long-term impacts through measures like layoffs or divestitures. They emphasized advance planning, scenario identification, and monitoring leading indicators to improve decision making and the company's position for rebounding from the crisis.
our view todayI N T E G R AT E D A N N U A L R E .docxvannagoforth
- thl is committed to becoming a Future-Fit Business by measuring its performance based on broader environmental, social and economic factors. It aims to contribute to a Future-Fit Society.
- The largest issue in the past year was a significant fall in vehicle sales in the USA market, impacting thl's overall FY19 results and its FY20 outlook.
- thl launched its global "Connected Customer" brand to connect customers to more experiences more often across its brands. It is also working with Togo Group to grow its digital offerings for customers.
- thl's New Zealand rentals and sales business achieved record financial results for the year, with the highest ever EBIT and ROF
our view todayI N T E G R AT E D A N N U A L R E .docxhoney690131
our
view
today
I N T E G R AT E D
A N N U A L R E P O R T
2 0 1 9
goes
on
forever
As thl continues to expand, delivering on our global
growth strategy and forecast financial results, we are
mindful that our business processes and activities must
adapt if the business is to continue to thrive in the next
20 plus years.
In this, our inaugural integrated report (IR), we explain
why thl is committed to being a Future-Fit Business and
how we are transforming the way we do things to ensure
long term sustainable value is generated from the resources
we rely on.
Through balancing the expectations of today with the
needs of the future, we foresee a bright and promising
journey ahead.
Come with us.
02 The need to act
04 Future-Fit Business
06 Year in review
08 Chairman's report
1 2 CEO's report
1 8 What's a Future-Fit Business?
22 thl at a glance
24 How we create value
26 Driving results
28 - Optimising our
operational effiency
32 - Leading the way
with new ideas
36 - Enabling our people to
develop, grow and be well
40 - Respecting and embracing
our communities
46 - Protecting and enhancing
our environment
54 Governance year in review
58 Divisional reports
58 - New Zealand
59 - Australia
60 - USA
62 - Tourism
63 - Equity investments
65 Directors' statement
66 Financial statements
121 Independent auditor's report
126 Corporate governance
142 Board of Directors
143 Corporate information
The Board acknowledges its responsibility to ensure the integrity of the IR.
The Board has applied its mind to the IR and believes that it addresses all
material issues, presents fairly the integrated performance of the organisation
and its impacts in accordance with the principles set out in the International
Integrated Reporting Council (IIRC) Framework. The IR has been prepared
according to the IIRC guidelines and IR recommendations by Wymond Symes,
Consultant - Tauranga office, CATALYST® Ltd.
The IR was approved by the Board on 26 August 2019 and is signed on its behalf by:
Grant Webster – Chief Executive Officer
Rob Campbell – Chairman
Welcome to the inaugural thl integrated
report. Two years ago we produced our first
sustainability report. We set some goals
and reported on what we knew at the time
from a sustainability perspective. We now
see how little we knew, how small the steps
were that we were taking and how our
measurement criteria and methods were
only the beginning. There is little doubt that
in another two years’ time we will look back
at this first integrated report and say the
same thing again - at least we hope we do,
as we need to keep evolving our approach to
how we work and what we stand for.
Our intent is to become a Future-Fit Business
(FFB)1. In this report, we will explain the
Future-Fit Business methodology, the criteria
and the positive impact we expect it to have
on thl into the future.
The need to act
Setting the scene with Professor Will St.
This document provides an overview of trends impacting the global financial services industry in 2012 from the perspective of Investance, a management consulting firm. It identifies 12 key trends, including a focus on increasing capital requirements, right-sizing businesses to focus on core operations, growth in emerging markets and fee-based businesses, and cost optimization efforts. The document also discusses views on European and French banking, including the need to reduce balance sheets and rescale business portfolios due to regulatory changes and liquidity scarcity.
mHealth Israel_PwC Top Health Industry Issues of 2020Levi Shapiro
Review of 2020's top healthcare issues, by Ben Isgur, Head, PwC Health Research Institute:
1) A looming tsunami of high prices
2) Regulations trumps policy
3) Consumers inch closer to DIY healthcare
4) A whole new you- deals as makeovers
5) Equity and inclusion, not just diversity, as a business imperative
6) US health organizations are seeking opportunities overseas and through innovation. Beware of the tax risks
7) Fast- forwarding from data to decisions
This presentation provides an overview of Anumara Capital, a private equity firm focused on investing in small and medium companies in Brazil. Anumara aims to generate recurring returns through dividends rather than exits, focusing on healthcare, education, and retail sectors. It seeks to actively manage portfolio companies through operational improvements and shared service providers. Anumara also emphasizes ESG and responsible investing practices to have a positive impact and multiplier effect in the local economy. The presentation outlines Anumara's investment strategy, targets, differentials, pipeline, and team.
Aveda energy investor presentation september 2013AvedaEnergy
This investor presentation provides an overview of Aveda Transportation and Energy Services, a growing provider of specialized oilfield hauling and rentals in Western Canada and the US. The summary highlights Aveda's experienced management team, financial performance showing consecutive quarters of revenue growth, and growth strategy focused on organic expansion and acquisitions to capitalize on opportunities in key North American oil and gas plays.
Genworth MI Canada reported solid results for the first quarter of 2013. Key highlights included:
- Net operating income of $85 million, in line with Q1 2012 results.
- Continued prudent risk management with a loss ratio of 31%.
- Strong capital position with a Minimum Capital Test ratio of 216%.
- Book value per share increased to $31.32, up 15% year-over-year.
Genworth MI Canada Investor Presentation September 2014genworth_financial
This document provides an overview and summary of Genworth MI Canada Inc. It begins with forward-looking statements and an explanation of non-IFRS financial measures used. The summary then covers Genworth's business overview, solid financial performance in the first half of 2014, strategic priorities of prudently growing market position while managing risk, and key takeaways about Genworth's leading position and track record of profitability in the Canadian mortgage insurance market.
Genworth MI Canada Inc. - Investor Presentation May/June 2013genworth_financial
1) Genworth MI Canada Inc. reported solid results for the first quarter of 2013, with net operating income of $85 million, an operating return on equity of 12%, and operating earnings per share of $0.86.
2) The company wrote $84 million in new mortgage insurance premiums in Q1 2013 and maintained a strong capital position with a minimum capital test ratio of 216%.
3) The company has a high quality investment portfolio of $5.3 billion, with 49% invested in federal and provincial bonds and a pre-tax yield of 3.7%.
Csod investor deck first quarter 2015 finalircornerstone
This presentation summarizes Cornerstone OnDemand's second quarter 2015 investor presentation. It discusses Cornerstone's position as a global leader in SaaS talent management with clients in 191 countries. The presentation highlights Cornerstone's best-of-breed product suite and established market leadership according to various analyst reports. It also outlines Cornerstone's growth strategy of increasing both market breadth and client penetration to reach $1 billion in revenue.
In 2013, the ban on general solicitation of accredited investors was lifted, causing the largest change to securities laws in decades. While everyone from startups to hedge funds will enjoy new liberties in investor marketing and outreach campaigns, it’s critical that the new rules are followed to a T, eliminating the chance for exemption rescission.
Csod investor deck second quarter finalircornerstone
Cornerstone provides a corporate overview and highlights of its second quarter 2016 performance. It discusses its evolution over the past 16 years from 4 employees to over 2,500 clients and 25 million users today. Cornerstone also reviews its strong financial results with continued growth in revenue, bookings, clients, and users. It outlines opportunities for further growth through continued core sales, global expansion, new market segments, industries, and maximizing its large installed base.
The document discusses the results of a worldwide survey on public financial management responses to the global financial crisis. Key findings include:
1) Nearly half of respondents said their country was negatively impacted by the crisis, with GDP and currency value being most affected.
2) 60% of countries initiated stimulus programs, with over half reporting programs as successful or very successful. Programs focused on tax cuts, social spending, and infrastructure investment.
3) Infrastructure investment is seen as critical to support economic growth, with education, transportation, and healthcare cited as top needs. Countries are focusing on attracting outside investment through improved infrastructure, legal systems, and transparency.
4) Over 60% of countries have used public-
FMC provides a presentation on their environmental, social and governance (ESG) goals and performance. Some key points:
1) FMC has set new 2025/2030 sustainability goals around innovation, safety, community engagement, and reducing their environmental footprint. They are also committed to supporting UN SDGs on zero hunger and life on land.
2) FMC conducts annual shareholder outreach to understand investor priorities around ESG topics. Recent feedback focused on assessing material ESG risks like climate change.
3) FMC has diversity initiatives like employee resource groups and a goal to increase women and minorities in their workforce to better reflect local communities. Their safety performance has significantly improved in recent years.
This document brings together a set
of latest data points and publicly
available information relevant for
Healthcare Industry. We are very
excited to share this content and
believe that readers will benefit from this periodic publication immensely.
Báo cáo 2020 Audience Insights for B2B Marketing là những số liệu chi tiết về xu hướng sử dụng các phương tiện truyền thông (media) từ hơn 11 triệu người ra quyết định dựa trên 20 ngành công nghiệp khác nhau.
This document provides an executive summary of a study by the Boston Consulting Group (BCG) on the fast-moving consumer goods (FMCG) sector. It finds that while FMCGs historically drove strong value creation, their performance has lagged peers in recent years. Five emerging disruptions will define the next era for FMCGs: amplified consumer expectations, erosion of scale advantages, focus on social impact, radical channel shifts, and an AI-powered business revolution. To succeed, FMCGs must follow five strategic imperatives: become agile portfolio managers, reinvent demand models, elevate operating models, digitize capabilities, and inspire with purpose.
Executive Sentiment on Revenue Recovery From the Impact of COVID-19Fann Nguyen
In this report, we have summarized the key findings and some of our observations from this research. Our aim is to contribute to the debate by providing fresh thinking and input to the discussion that you as business leaders are having with your colleagues.
Navigating the COVID-19 crisis | Ensuring business sustainabilityaakash malhotra
In these uncertain times, companies seek clarity on what could constitute a robust strategy to deal with short- to midterm implications (6–24 months) stemming from COVID-19.
A successful life insurance company in 2020 will need to focus on keeping promises and guarantees. It will need to choose appropriate risks to insure and develop products that customers find attractive. It will also need to carefully manage assets and liabilities to fund guarantees until they are due. Finally, it will be critical that the company is able to deliver on the promises it has made, even as the world faces financial and demographic challenges. Keeping promises will distinguish successful insurers from those that do not survive.
Interesting and concerning to see a leading company involved in the supply chain of one of the least efficient sources of fossil fuels listed as a climate leader. Does (or should this) signal a concern for those relying on CDP data and rankings for thier investment decisions?
Protecting your company's economic healthKorn Ferry
This document summarizes a webinar on protecting a company's economic health during the COVID-19 crisis. The webinar focused on assessing the depth and duration of the economic impact, approaches to cutting costs depending on those factors, and the importance of transparent communication and engagement during difficult decisions. Speakers provided insights on riding out short disruptions with temporary measures or restructuring for long-term impacts through measures like layoffs or divestitures. They emphasized advance planning, scenario identification, and monitoring leading indicators to improve decision making and the company's position for rebounding from the crisis.
our view todayI N T E G R AT E D A N N U A L R E .docxvannagoforth
- thl is committed to becoming a Future-Fit Business by measuring its performance based on broader environmental, social and economic factors. It aims to contribute to a Future-Fit Society.
- The largest issue in the past year was a significant fall in vehicle sales in the USA market, impacting thl's overall FY19 results and its FY20 outlook.
- thl launched its global "Connected Customer" brand to connect customers to more experiences more often across its brands. It is also working with Togo Group to grow its digital offerings for customers.
- thl's New Zealand rentals and sales business achieved record financial results for the year, with the highest ever EBIT and ROF
our view todayI N T E G R AT E D A N N U A L R E .docxhoney690131
our
view
today
I N T E G R AT E D
A N N U A L R E P O R T
2 0 1 9
goes
on
forever
As thl continues to expand, delivering on our global
growth strategy and forecast financial results, we are
mindful that our business processes and activities must
adapt if the business is to continue to thrive in the next
20 plus years.
In this, our inaugural integrated report (IR), we explain
why thl is committed to being a Future-Fit Business and
how we are transforming the way we do things to ensure
long term sustainable value is generated from the resources
we rely on.
Through balancing the expectations of today with the
needs of the future, we foresee a bright and promising
journey ahead.
Come with us.
02 The need to act
04 Future-Fit Business
06 Year in review
08 Chairman's report
1 2 CEO's report
1 8 What's a Future-Fit Business?
22 thl at a glance
24 How we create value
26 Driving results
28 - Optimising our
operational effiency
32 - Leading the way
with new ideas
36 - Enabling our people to
develop, grow and be well
40 - Respecting and embracing
our communities
46 - Protecting and enhancing
our environment
54 Governance year in review
58 Divisional reports
58 - New Zealand
59 - Australia
60 - USA
62 - Tourism
63 - Equity investments
65 Directors' statement
66 Financial statements
121 Independent auditor's report
126 Corporate governance
142 Board of Directors
143 Corporate information
The Board acknowledges its responsibility to ensure the integrity of the IR.
The Board has applied its mind to the IR and believes that it addresses all
material issues, presents fairly the integrated performance of the organisation
and its impacts in accordance with the principles set out in the International
Integrated Reporting Council (IIRC) Framework. The IR has been prepared
according to the IIRC guidelines and IR recommendations by Wymond Symes,
Consultant - Tauranga office, CATALYST® Ltd.
The IR was approved by the Board on 26 August 2019 and is signed on its behalf by:
Grant Webster – Chief Executive Officer
Rob Campbell – Chairman
Welcome to the inaugural thl integrated
report. Two years ago we produced our first
sustainability report. We set some goals
and reported on what we knew at the time
from a sustainability perspective. We now
see how little we knew, how small the steps
were that we were taking and how our
measurement criteria and methods were
only the beginning. There is little doubt that
in another two years’ time we will look back
at this first integrated report and say the
same thing again - at least we hope we do,
as we need to keep evolving our approach to
how we work and what we stand for.
Our intent is to become a Future-Fit Business
(FFB)1. In this report, we will explain the
Future-Fit Business methodology, the criteria
and the positive impact we expect it to have
on thl into the future.
The need to act
Setting the scene with Professor Will St.
This document provides an overview of trends impacting the global financial services industry in 2012 from the perspective of Investance, a management consulting firm. It identifies 12 key trends, including a focus on increasing capital requirements, right-sizing businesses to focus on core operations, growth in emerging markets and fee-based businesses, and cost optimization efforts. The document also discusses views on European and French banking, including the need to reduce balance sheets and rescale business portfolios due to regulatory changes and liquidity scarcity.
mHealth Israel_PwC Top Health Industry Issues of 2020Levi Shapiro
Review of 2020's top healthcare issues, by Ben Isgur, Head, PwC Health Research Institute:
1) A looming tsunami of high prices
2) Regulations trumps policy
3) Consumers inch closer to DIY healthcare
4) A whole new you- deals as makeovers
5) Equity and inclusion, not just diversity, as a business imperative
6) US health organizations are seeking opportunities overseas and through innovation. Beware of the tax risks
7) Fast- forwarding from data to decisions
This presentation provides an overview of Anumara Capital, a private equity firm focused on investing in small and medium companies in Brazil. Anumara aims to generate recurring returns through dividends rather than exits, focusing on healthcare, education, and retail sectors. It seeks to actively manage portfolio companies through operational improvements and shared service providers. Anumara also emphasizes ESG and responsible investing practices to have a positive impact and multiplier effect in the local economy. The presentation outlines Anumara's investment strategy, targets, differentials, pipeline, and team.
Protecting your companys economic health 1Korn Ferry
The behavioral changes needed to fight the public health threat are resulting in an immediate decline in revenue for most businesses. From near-term take-out tactics to longer-term changes to operating models and rewards spend, developing the right response to those economic challenges will help to ensure a full and quick recovery.
This document summarizes a report by CDP (Carbon Disclosure Project) on climate change in 2015. Some key points:
- CDP collected disclosure data on climate change from over 5,500 companies on behalf of 822 institutional investors representing $95 trillion in assets.
- The report analyzes corporate climate actions and emissions data across regions. It identifies companies demonstrating leadership on climate through measures like carbon pricing and low-carbon investment.
- CDP's executive chairman notes that decarbonizing the global economy is an ambitious long-term challenge, but companies are already taking meaningful action and investors are increasingly considering climate risks and opportunities in their portfolios.
The document discusses the changing landscape of the Indian insurance industry and proposes a 14-point action agenda to help insurers drive profitable and sustainable growth. Some key trends transforming the industry include increased digitalization, changing consumer needs and behaviors, an aging population, and continued regulatory activism. Both life and non-life insurance are highly susceptible to disruption from digital technologies. The action agenda proposes strategies for insurers such as creating an "agency of the future", improving profitability in property and casualty insurance, leveraging data and technology, expanding offerings to small and medium enterprises, and adapting to the digital imperative.
In our Spring 2020 “Special COVID-19” edition, we explore tax benefits from the coronavirus response, personal finance strategies to get through COVID-19, tips for working and leading remotely, and more.The Advantage is CBIZ Women’s Advantage quarterly newsletter, featuring notable women in the workplace, career insights, and personal and professional development stories.
This document brings together a set of latest data points and publicly available information relevant for Healthcare Industry. We are very excited to share this content and believe that readers will benefit from this periodic publication immensely.
1) Businesses need to adapt to changing social attitudes and customer behaviors. The report examines how businesses are responding to consumers becoming more demanding in terms of ethics and social responsibility.
2) The report found that 72% of consumers are becoming more demanding of ethical behavior from brands. When asked why businesses commit to social responsibility, the most common answers were to appeal to customer preferences (55%) and a sense of moral obligation (53%).
3) Businesses are adapting to shifting customer expectations by strengthening commitments to social responsibility and sustainability.
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In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
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