CREATING THE FUTURE OF DIGITAL VALUES
Nets is specialising in managing digital values
through the delivery of strategic consulting and IT solutions
Vision and mission
OUR VISION
Creating the future
of digital values
OUR CODE
Being Accountable,
Customer driven &
delivering results
Together are the guiding
lights of our work
OUR MISSION
We enable more efficient
societies and businesses
through digital values
OUR STRATEGY
To become a top 3 player in
Europe specialised in
managing digital values. The
company is a strategic supplier
to its customers, founded on
safe and stable operations.
Nets’ in brief
33m
33 million cards
on Nets’ platforms
500,000
More than 500,000
merchants serviced
7.8m
More than 7.8 million
digital identities issued
500,000
More than 500,000
terminals interact
with Nets
45%
45% of the Nordic market
for card processing
More than 2,500 skilled employees
Over DKK 6.6 billion in revenues
140,000
Creditors use or
services along most
households in Norway
and Denmark
Customers work with us as
their trusted partner within
financial services.
Together with Nets our
customers benefit from an
international network, which
facilitates the exchange of
digital payments, identity
and information – what we
call “digital values”.
Who we are
Behind everything we offer there is a simple
promise: Digital values managed by Nets
connects you to a simpler, smarter and
safer way of doing business.
Digital values are our DNA
5
DIGITAL
INFORMATION
DIGITAL
MONEY
DIGITAL
IDENTITY
Distribution of invoices
and documents
Digital post and e-archive
Electronic invoicing
eID
Signing & idenfication
Payment cards
Direct debet services
Clearing services
Financial acquiring
Payment terminas
Mobile and card services
SECURITY
TRUST
STABILITY
The financial services market is changing – but
the core of Nets remains unchanged
6
Security
Trust
Stability
Regulation
New
business
model
New
technology
New user
experience
We are changing our organisation to better serve customer needs and decrease time-to-
market
We will invest and create new opportunities for our
customers
7
7 NEW BUSINESSES ALIGNED
WITH CUSTOMERS & MARKETS
SIGNIFICANT INVESTMENTS IN
SECURITY AND STABILITY
INVESTMENT IN PRODUCT
DEVELOPMENT
GROWTH IN NORDIC MARKETS
THROUGH BOTH ACQUSITIONS
AND ORGANIC DEVELOPMENT
FULL VALUE-CHAIN
OWNERSHIP TO SECURE
CUSTOMER DELIVERY
INCREASE CUSTOMER FOCUS
STRENGTHEN SECURITY &
STABILITY
MORE INNOVATIVE PRODUCTS
NORDIC PARTNER
CREATE SCALE OF ECONOMIES
FOR OUR CUSTOMERS
7 customer focused businesses
8
PAYMENT SERVICES
DOMESTIC CARDS SERVICES
ESECURITY SERVICES
DIGITISATION & INFORMATION SERVICES
MERCHANT SERVICES
CARD SERVICES
Acquirer services | Issuing services | Card
management | Wallet
CLEARING SERVICES DK & NO clearing | Real-time clearing
Account-to-Account payments
Financial acquiring | POS | e-commerce
National cards
National & International eID solutions
Information solution | Digitisation solutions
With Nets you benefit from a strong
digital ecosystem
MERCHANTS
BUSINESS &
PUBLIC SECTOR
DATA CENTERS
CONSUMERS
BANKS
PARTNERS
Key services for customers
BANKING SECTOR
BANKS, BUSINESSES
& PUBLIC SECTOR MERCHANTS
• Card schemes
• Direct debit schemes
• Electronic ID schemes
• E-invoice solutions
• Clearing services
• Card management services
• Acquirer services
• Back-end processing
• Issuer services
• BPO services
• Information services
• Digitisation services
• Mobile solutions
• Terminal solutions
• POS and PSP services
• Financial acquiring
• E- and m-commerce
• Prepaid and vouchers
Your possibilities with Nets
A GATEWAY TO EUROPE
and the Nordic region
We are based in the Nordic
region, and follow our customers
into new markets
UTILISE STANDARDS
Competitive and less
expensive transition to
international standards for
our customers
COMPETITIVE
SKILLS WITH LOCAL
KNOWLEDGE
A competent, solid and
safe partner with
strong Nordic roots
INCREASE SCALE
Both banks and their
customers have the
opportunity to centralise and
streamline their solutions
CHOOSE FROM A
BROAD PRODUCT
PORTFOLIO
Nets has one of the most
extensive and innovative
product portfolios for cards
and payments in Europe
-
Founded on Nordic roots and expertise
Nets’ strong presence in the Nordic market means that we know local
market conditions, legislation and trends better than most. We speak the
local languages, and we are therefore quick to adapt to our customers’
need and demands.
Copenhagen-HQ Copenhagen Oslo-Rommen Oslo-Skøyen
Stockholm Helsinki Talinn
Organisation designed to meet
customer demands
CEO
Bo Nilsson
CFO
Klaus Pedersen
Merchant Services
Asger Hattel
Card Services
Susanne Brønnum
Sector & Information
Services
Freddy Haraldsen
Technology
Pia Jørgensen
HR
Ragndi Robøle (Interim)
Operations
Niels Mortensen
Communication
Karsten Anker Pedersen
Legal
Jens Heurlin
Payment Services
Frode Åsheim
Clearing
Services
Domestic
cards
eSecurity
Services
Digitisation &
Information
Services
14
Stig F. Poulsen
CFO (interim)
Freddy Haraldsen
Sector & Information
Services
Asger Hattel
Merchant Services
Susanne Brønnum
Card Services
Pia Jørgensen
Technology
Frode Åsheim
Payment Services
Executive Committee
Bo Nilsson
CEO
Niels Mortensen
Operations
15
Board of directors
Inge K. Hansen
Chairman
James Brocklebank
Advent International
Lars Morten Haga
Nets Norway AS
Humphrey Battcock
Advent International
Robin Marshall
Bain Capital
Luca Bassi
Bain Capital
Ove Kolstad
Nets Norway AS
John Helmsøe-Zinck
Via Venture Partners
Frank A. Olsen
Nets Denmark A/S
Ulrik Røikjær Thomsen
Nets Denmark A/S
Nets’ owners
Founded in 1984, Advent International
is one of the largest and most
experienced global investors dedicated
solely to private equity. Since
inception, the firm has invested in
more than 290 buyout transactions in
39 countries and today has EUR 23.0
billion in assets under management.
Advent International has deep
experience in the Nordic IT sector
through it’s investment in Danish KMD.
Founded in 1984, Bain Capital is one
of the world's foremost privately-held
alternative investment firms, with
more than DKK 370 billion of assets
under management. The firm has
made private equity, growth, and
venture capital investments in more
than 450 companies, across a variety
of industries.
Bain Capital has a strong track record
of investments in the payments
processing, financial services and
technology sectors, including its
investments in WorldPay.
ATP manages DKK 618 billion in
pension savings for 4.8 million people
and is one of Europe’s largest pension
investors. The objective of ATP’s
investments is to protect and maximize
the purchasing power of pension
savings.
ATP Private Equity Partners handle
private equity investments on behalf of
ATP. ATP Private Equity Partners was
formed in 2001, and has since then
focused on investments in private equity
funds as well as co-investments with
such funds.
Via Venture Partners is among the
largest investors in the Nordic region
dedicated to IT company investments.
Via Venture Partners Fond I & II are
subsidiaries of the ATP Group.
Historical
development
1968
69
70
72
86
03
05
06
2007
0708
09
2010
12
The foundation stone of PBS is laid by the Danish banks
Commercial banks in Norway
Bankkort AS is founded
BBS is founded
BBS acquires Ingenico AB
PBS buys PBS International
BBS and PBS create the joint venture company
NETS, offering card processing services
2000
BBS acquires LD Betalingssystemer
BBS acquires LD, PBS acquires Auriga
BBS acquires Sagem Denmark
Nets is created
Nets acquires
Luottokunta, Finland
Nets is acquired by
Advent International,
Bain Capital & ATP
2014
PBS is established
as a company
PBS is split up into three
separate companies
Nets historic business milestones
68 7369 74 83 91 94 96 97 00 04 05 08 10 12
Thank you

Nets corporate presentation q2 2015

  • 1.
    CREATING THE FUTUREOF DIGITAL VALUES Nets is specialising in managing digital values through the delivery of strategic consulting and IT solutions
  • 2.
    Vision and mission OURVISION Creating the future of digital values OUR CODE Being Accountable, Customer driven & delivering results Together are the guiding lights of our work OUR MISSION We enable more efficient societies and businesses through digital values OUR STRATEGY To become a top 3 player in Europe specialised in managing digital values. The company is a strategic supplier to its customers, founded on safe and stable operations.
  • 3.
    Nets’ in brief 33m 33million cards on Nets’ platforms 500,000 More than 500,000 merchants serviced 7.8m More than 7.8 million digital identities issued 500,000 More than 500,000 terminals interact with Nets 45% 45% of the Nordic market for card processing More than 2,500 skilled employees Over DKK 6.6 billion in revenues 140,000 Creditors use or services along most households in Norway and Denmark
  • 4.
    Customers work withus as their trusted partner within financial services. Together with Nets our customers benefit from an international network, which facilitates the exchange of digital payments, identity and information – what we call “digital values”. Who we are Behind everything we offer there is a simple promise: Digital values managed by Nets connects you to a simpler, smarter and safer way of doing business.
  • 5.
    Digital values areour DNA 5 DIGITAL INFORMATION DIGITAL MONEY DIGITAL IDENTITY Distribution of invoices and documents Digital post and e-archive Electronic invoicing eID Signing & idenfication Payment cards Direct debet services Clearing services Financial acquiring Payment terminas Mobile and card services SECURITY TRUST STABILITY
  • 6.
    The financial servicesmarket is changing – but the core of Nets remains unchanged 6 Security Trust Stability Regulation New business model New technology New user experience
  • 7.
    We are changingour organisation to better serve customer needs and decrease time-to- market We will invest and create new opportunities for our customers 7 7 NEW BUSINESSES ALIGNED WITH CUSTOMERS & MARKETS SIGNIFICANT INVESTMENTS IN SECURITY AND STABILITY INVESTMENT IN PRODUCT DEVELOPMENT GROWTH IN NORDIC MARKETS THROUGH BOTH ACQUSITIONS AND ORGANIC DEVELOPMENT FULL VALUE-CHAIN OWNERSHIP TO SECURE CUSTOMER DELIVERY INCREASE CUSTOMER FOCUS STRENGTHEN SECURITY & STABILITY MORE INNOVATIVE PRODUCTS NORDIC PARTNER CREATE SCALE OF ECONOMIES FOR OUR CUSTOMERS
  • 8.
    7 customer focusedbusinesses 8 PAYMENT SERVICES DOMESTIC CARDS SERVICES ESECURITY SERVICES DIGITISATION & INFORMATION SERVICES MERCHANT SERVICES CARD SERVICES Acquirer services | Issuing services | Card management | Wallet CLEARING SERVICES DK & NO clearing | Real-time clearing Account-to-Account payments Financial acquiring | POS | e-commerce National cards National & International eID solutions Information solution | Digitisation solutions
  • 9.
    With Nets youbenefit from a strong digital ecosystem MERCHANTS BUSINESS & PUBLIC SECTOR DATA CENTERS CONSUMERS BANKS PARTNERS
  • 10.
    Key services forcustomers BANKING SECTOR BANKS, BUSINESSES & PUBLIC SECTOR MERCHANTS • Card schemes • Direct debit schemes • Electronic ID schemes • E-invoice solutions • Clearing services • Card management services • Acquirer services • Back-end processing • Issuer services • BPO services • Information services • Digitisation services • Mobile solutions • Terminal solutions • POS and PSP services • Financial acquiring • E- and m-commerce • Prepaid and vouchers
  • 11.
    Your possibilities withNets A GATEWAY TO EUROPE and the Nordic region We are based in the Nordic region, and follow our customers into new markets UTILISE STANDARDS Competitive and less expensive transition to international standards for our customers COMPETITIVE SKILLS WITH LOCAL KNOWLEDGE A competent, solid and safe partner with strong Nordic roots INCREASE SCALE Both banks and their customers have the opportunity to centralise and streamline their solutions CHOOSE FROM A BROAD PRODUCT PORTFOLIO Nets has one of the most extensive and innovative product portfolios for cards and payments in Europe -
  • 12.
    Founded on Nordicroots and expertise Nets’ strong presence in the Nordic market means that we know local market conditions, legislation and trends better than most. We speak the local languages, and we are therefore quick to adapt to our customers’ need and demands. Copenhagen-HQ Copenhagen Oslo-Rommen Oslo-Skøyen Stockholm Helsinki Talinn
  • 13.
    Organisation designed tomeet customer demands CEO Bo Nilsson CFO Klaus Pedersen Merchant Services Asger Hattel Card Services Susanne Brønnum Sector & Information Services Freddy Haraldsen Technology Pia Jørgensen HR Ragndi Robøle (Interim) Operations Niels Mortensen Communication Karsten Anker Pedersen Legal Jens Heurlin Payment Services Frode Åsheim Clearing Services Domestic cards eSecurity Services Digitisation & Information Services
  • 14.
    14 Stig F. Poulsen CFO(interim) Freddy Haraldsen Sector & Information Services Asger Hattel Merchant Services Susanne Brønnum Card Services Pia Jørgensen Technology Frode Åsheim Payment Services Executive Committee Bo Nilsson CEO Niels Mortensen Operations
  • 15.
    15 Board of directors IngeK. Hansen Chairman James Brocklebank Advent International Lars Morten Haga Nets Norway AS Humphrey Battcock Advent International Robin Marshall Bain Capital Luca Bassi Bain Capital Ove Kolstad Nets Norway AS John Helmsøe-Zinck Via Venture Partners Frank A. Olsen Nets Denmark A/S Ulrik Røikjær Thomsen Nets Denmark A/S
  • 16.
    Nets’ owners Founded in1984, Advent International is one of the largest and most experienced global investors dedicated solely to private equity. Since inception, the firm has invested in more than 290 buyout transactions in 39 countries and today has EUR 23.0 billion in assets under management. Advent International has deep experience in the Nordic IT sector through it’s investment in Danish KMD. Founded in 1984, Bain Capital is one of the world's foremost privately-held alternative investment firms, with more than DKK 370 billion of assets under management. The firm has made private equity, growth, and venture capital investments in more than 450 companies, across a variety of industries. Bain Capital has a strong track record of investments in the payments processing, financial services and technology sectors, including its investments in WorldPay. ATP manages DKK 618 billion in pension savings for 4.8 million people and is one of Europe’s largest pension investors. The objective of ATP’s investments is to protect and maximize the purchasing power of pension savings. ATP Private Equity Partners handle private equity investments on behalf of ATP. ATP Private Equity Partners was formed in 2001, and has since then focused on investments in private equity funds as well as co-investments with such funds. Via Venture Partners is among the largest investors in the Nordic region dedicated to IT company investments. Via Venture Partners Fond I & II are subsidiaries of the ATP Group.
  • 17.
    Historical development 1968 69 70 72 86 03 05 06 2007 0708 09 2010 12 The foundation stoneof PBS is laid by the Danish banks Commercial banks in Norway Bankkort AS is founded BBS is founded BBS acquires Ingenico AB PBS buys PBS International BBS and PBS create the joint venture company NETS, offering card processing services 2000 BBS acquires LD Betalingssystemer BBS acquires LD, PBS acquires Auriga BBS acquires Sagem Denmark Nets is created Nets acquires Luottokunta, Finland Nets is acquired by Advent International, Bain Capital & ATP 2014 PBS is established as a company PBS is split up into three separate companies
  • 18.
    Nets historic businessmilestones 68 7369 74 83 91 94 96 97 00 04 05 08 10 12
  • 19.