This document summarizes key points from a police leadership conference presentation on using social media for community engagement. It outlines establishing a social media presence, developing a content plan, listening to conversations, and providing comments and responses. An example is given of a Twitter poll by Toronto police that generated widespread traditional media coverage. The presentation emphasizes starting where you are comfortable, maintaining relationships with the public, and supporting social media strategies with knowledge and skills.
This document discusses social media, social networks, and internet investigations. It provides characteristics of social media like being a way to share information widely and characteristics of social networks like bringing together people with common interests. It also discusses skills and mindsets for success on social platforms, definitions of the surface web and deep web, and privacy and security considerations for online investigations.
This document discusses applying marketing strategies to police communications on social media. It notes that police, like marketers, can use social media to build awareness, inform the community, and enhance their reputation. However, police face similar challenges as marketers in gaining attention due to time constraints and distractions for the public. The document provides tips for police on social media, including listening to public discussions, publishing engaging content, interacting with the public, influencing discussions, and inspiring advocacy. It emphasizes the importance of emotional connections with the public to achieve engagement, influence, and advocacy.
The document discusses strategies for government agencies to use social media effectively. It addresses who represents the agency on social media, whether the agency is officially or unofficially on platforms like Twitter. It also covers testing content strategies, measuring engagement, building online relationships, lessons from personal use, and interactions with traditional media. The document provides questions for agencies to consider regarding their social media representation, content, relationships, and engagement.
Now in its seventh year, the CIPR State of the Profession survey is the largest and longest running survey of its kind. The survey takes into account the views of CIPR members and non-members, and aims to reveal the issues and challenges facing public relations professionals. It covers a broad range of key issues including professional background, skills, recruitment and diversity.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
This document provides biographies for several speakers at the CIPR Social Media Conference 2012. The biographies describe the professional experiences and backgrounds of each speaker including their roles in public relations, communications, journalism, and social media. Some of the speakers have leadership roles at organizations like the BBC, Guardian, HSBC, and Associated Press where they help develop social media and digital strategies.
DCC Gordon Scobbie Tayside Police ScotlandDeborah Skaey
This document summarizes discussions from a police leadership conference on using digital and social media engagement. It provides examples of how different police forces are using blogs, Twitter, YouTube, and local websites to engage with communities and share information. Challenges discussed include keeping up with rapid technology changes, joining up across platforms, and leading organizational cultural changes to embrace more openness and collaboration online.
This document summarizes key points from a police leadership conference presentation on using social media for community engagement. It outlines establishing a social media presence, developing a content plan, listening to conversations, and providing comments and responses. An example is given of a Twitter poll by Toronto police that generated widespread traditional media coverage. The presentation emphasizes starting where you are comfortable, maintaining relationships with the public, and supporting social media strategies with knowledge and skills.
This document discusses social media, social networks, and internet investigations. It provides characteristics of social media like being a way to share information widely and characteristics of social networks like bringing together people with common interests. It also discusses skills and mindsets for success on social platforms, definitions of the surface web and deep web, and privacy and security considerations for online investigations.
This document discusses applying marketing strategies to police communications on social media. It notes that police, like marketers, can use social media to build awareness, inform the community, and enhance their reputation. However, police face similar challenges as marketers in gaining attention due to time constraints and distractions for the public. The document provides tips for police on social media, including listening to public discussions, publishing engaging content, interacting with the public, influencing discussions, and inspiring advocacy. It emphasizes the importance of emotional connections with the public to achieve engagement, influence, and advocacy.
The document discusses strategies for government agencies to use social media effectively. It addresses who represents the agency on social media, whether the agency is officially or unofficially on platforms like Twitter. It also covers testing content strategies, measuring engagement, building online relationships, lessons from personal use, and interactions with traditional media. The document provides questions for agencies to consider regarding their social media representation, content, relationships, and engagement.
Now in its seventh year, the CIPR State of the Profession survey is the largest and longest running survey of its kind. The survey takes into account the views of CIPR members and non-members, and aims to reveal the issues and challenges facing public relations professionals. It covers a broad range of key issues including professional background, skills, recruitment and diversity.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
This document provides biographies for several speakers at the CIPR Social Media Conference 2012. The biographies describe the professional experiences and backgrounds of each speaker including their roles in public relations, communications, journalism, and social media. Some of the speakers have leadership roles at organizations like the BBC, Guardian, HSBC, and Associated Press where they help develop social media and digital strategies.
DCC Gordon Scobbie Tayside Police ScotlandDeborah Skaey
This document summarizes discussions from a police leadership conference on using digital and social media engagement. It provides examples of how different police forces are using blogs, Twitter, YouTube, and local websites to engage with communities and share information. Challenges discussed include keeping up with rapid technology changes, joining up across platforms, and leading organizational cultural changes to embrace more openness and collaboration online.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
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Den nye kontributionsbekendtgørelse træder i kraft 1. jan. 2011. Sel-
Dokumentation skaberne har derfor allerede været igennem de indledende øvelser for
og revision af at kunne leve op til de nye krav. Tilbage står blandt andre ting et større
selskabets kon-
dokumentations- og revisionsarbejde. I dette nyhedsbrevs første artikel
tribution
præsenterer vi en kvantitativ metode, der kan bruges til at dokumentere
Sikrer den nye rimeligheden af selskabets kontribution. Metoden er illustreret ved be-
kontributions-
regninger på en faktisk bestand. I den anden artikel diskuterer vi nogle
bekendtgørelse
fairness? af de mere overordnede udfordringer og uhensigtsmæssigheder, der er
forbundet med kontributionsbekendtgørelsen.
Dokumentation og revision af selskabets kontribution
Hvad enten et selskab er underlagt biometriske, omkostninger og
kontributionsbekendtgørelsen eller investeringer.
undtaget herfra, skal selskabet doku-
2) Der må godt omfordeles imellem
mentere at en eventuel omfordeling
risikokilderne på den enkelte po-
imellem forsikringstagerne ikke er uri-
lice (”negativ bonus”).
melig. Cosigma tilbyder udfærdigelse
eller revision af dokumentationen, og 3) Policerne skal inddeles i homo-
vil derfor her demonstrere metoderne, gene grupper. I rentegrupperne
der ligger til grund for vurderingen. må der kun omfordeles imellem
policer i grundlagsrenteinterval-
Betingelser for rimelighed ler på højest 1 procentpoint.
For at vurdere kontributionsprincipper- Om disse krav præcist sikrer, at den
nes rimelighed, skal der fastlægges enkelte kunde får en rimelig andel af
nogle kriterier for denne. Finanstilsy- resultatet, kan diskuteres. For en vur-
net har med den nye kontributionsbe- dering af selskabets kontribution fin-
kendtgørelse opstillet tre overordnede der vi, at der som udgangspunkt bør
Fairness s. 6 krav, som de mener sikrer rimelighed i opstilles nogle overordnede kriterier:
kontributionen:
Om Cosigma s.9 A) Ekstremitet. Værdien af den
1) Der må under ingen omstændig- maksimale omfordeling inden for
heder omfordeles kunder imel- den næste tidshorisont imellem
lem på tværs af risikokilderne:
(Fortsættes på side 2)
2. 2010-03 Side 2
...Dokumentation og revision Fortsat fra forsiden
policer bør ikke overstige rer, at dette ikke sker. ekstremitetskriteriet.
et givent niveau.
Bekendtgørelsens bestemmel- I det følgende vil vi vurdere,
B) Vilkårlighed. Policer med ser sikrer ikke en opfyldelse i hvorvidt kontributionen er rime-
ensartede risici bør be- forhold til disse to kriterier, men lig ift. de to opstillede kriterier
handles ensartet i kontri- vurderingen af kontributionen i ovenfor. Vurderingen går alene
butionsmæssig forstand. forhold til kriterierne kan ske på renteresultatet, men tilsva-
Kontributionsbekendtgørelsen under samtidig opfyldelse af be- rende overvejelser kan gøres for
kræver, at den enkelte gruppe kendtgørelsen. En sådan vurde- risiko- og omkostningsresultatet.
skal være homogen og at en ren- ring vil vi gøre i det følgende.
Ex 1: Undtaget for kontributi-
tegruppe er homogen, såfremt Metode onsbekendtgørelsen
3) på forrige side er opfyldt. Vo- Cosigma præsenterede i februar I figur 1 ses ækvivalenstillægget
res ekstremitetskrav ovenfor 2010 i et whitepaper en objektiv beregnet for et selskab, der ikke
præciserer dette ved at sige, at metode til bestemmelse af gra- er underlagt kontributionsbe-
en eventuel omfordeling imellem den af omfordeling kunder og kendtgørelsen. Den konkrete
policerne ikke må være for stor. ejere imellem. Metoden er sum- bestand der regnes på, er be-
Ekstremitetskravet giver derfor marisk beskrevet i boks 1 på skrevet i boks 2 (se side 4). Sel-
også mulighed for, at et selskab, næste side. Ved brug af vores skabet kan på baggrund af den-
der ikke er underlagt bekendtgø- metode får vi for alle policer be- ne beregning vurdere opfyldel-
relsen, kan vurdere egne kontri- regnet ækvivalenstillægget, der sen af ekstremitetskriteriet, idet
butionsprincipper. er en 1-årig afregning for den forskellen imellem den værst og
Et rigidt krav til hvorledes be- fordelingsmæssige kontribution. bedst stillede kunde svarer til en
standen skal inddeles i kontribu- Ækvivalenstillægget kan altså forskel i næste års depotrente
tionsgrupper kan resultere i, at også bruges som en proxy for før skat på 1,4 procentpoint.
to næsten ens policer behandles den beregnede værdi af omfor- Dette må anses for at være for
meget forskelligt. B) ovenfor sik- delingen nævnt i definitionen af højt.
Figur 1. Ækvivalenstillæg for selskab undtaget for Figur 2. Ækvivalenstillæg for 1%-rentegrupper i et
bekendtgørelsen kommercielt selskab
0,4% 0,20%
0,2% 0,15%
0,0% 0,10%
0% 1% 2% 3% 4% 5%
-0,2%
0,05%
-0,4%
0,00%
-0,6% 0% 1% 2% 3% 4% 5%
-0,05%
-0,8%
-1,0% -0,10%
-1,2% -0,15%
-1,4% -0,20%
3. 2010-03 Side 3
...Dokumentation og revision Fortsat
Vi kan med baggrund i samme stand i 5 rentegrupper med omfordeling inden for en kontri-
figur konkludere, at vilkårlig- maksimalt 1% forskel på grund- butionsgruppe i figur 2 er
hedskriteriet derimod er opfyldt. lagsrenterne inden for den en- ~0,25%. Såfremt egenkapitalen
Policerne er netop rangordnet i kelte gruppe. Hver gruppe har om nødvendigt fylder op til fæl-
forhold til deres risiko (grund- fået en andel af et eventuelt po- les depotrente i hver af grupper-
lagsrente), og grafen viser tyde- sitivt kollektivt bonuspotentiale ne, bliver marginen væsentligt
ligt, at policernes bidrag til om- ift. størrelsen på reserverne. I mindre. En beregning af denne
fordelingen ikke foretager plud- figur 2 og 3 ses ækvivalenstil- type er vist i figur 3.
selige spring. læggene for bestanden opdelt i
Vurderingen af vilkårlighedskri-
kontributionsgrupper. Endnu en-
Ex 2: Underlagt kontributions- teriet kan også foretages her.
gang er det tydeligt, at metoden
bekendtgørelsen Efter opdeling til kontributions-
kan bruges til vurdering af eks-
Vi har opdelt den samlede be- grupper er det dog klart, at kon-
tremitetskriteriet. Den største
Boks 1: Objektiv vurdering af garantioptionernes relative værdi
Metoden, som beskrives her, kan bruges til at vurdere såvel det beregningsmæssige som det fordelings-
mæssige kontributionsprincip. I det følgende beskrives udelukkende det fordelingsmæssige princip inden
for en (rente-) kontributionsgruppe.
Kontributionsbekendtgørelsen kræver, at policerne først inddeles i rentegrupper i forhold til deres grund-
lagsrenter (enten oprindelige eller gennemsnitlige). De samlede kollektive bonuspotentialer fordeles efter-
følgende rimeligt ud på grupperne. For en vurdering af det fordelingsmæssige kontributionsprincip inden
for hver gruppe kan man herefter betragte grupperne en efter en.
Cosigma’s whitepaper beskriver, hvorledes deling af kapita-
len/overskuddet imellem kunderne med fordel kan betrag-
tes som en prioriteret række af fordringer (også kaldet for Eksempel på kapitalstruktur/fordeling
”trancher”) på kapitalen i selskabet . Hver prioriteret for-
dring kan opfattes som en kort og en lang position i en call
option (en såkaldt bull call spread). Den enkelte police be-
står af en eller flere andele af de forskellige fordringer. Alt
efter selskabets valgte overskudsdelingspolitik vil policerne
(og egenkapitalen) få andele af forskellige prioriterede for-
dringer.
Ud fra kurserne på ”trancherne” kan den enkelte polices
relative kurs beregnes. Kursforskellene kan omsættes til
ækvivalenstillæg, der kan angives som rentemarginaler.
En database skal gennemløbes flere gange. Første gang for
inddeling af den samlede bestand. Anden gang for beregning af tranchernes kurser, tredje gang beregnes
policernes kurser og endelig beregner man ækvivalenstillæggene i det fjerde gennemløb. En bestand på
100.000 policer kan gennemregnes på mindre end 10 minutter, hvilket gør metoden praktisk anvendelig.
Det betyder også, at man vil kunne foretage en optimering af gruppeinddelingen under hensyn til både det
beregnings- og fordelingsmæssige kontributionsprincip.
4. 2010-03 Side 4
...Dokumentation og revision Fortsat
Figur 3. Ækvivalenstillæg for 1%-rentegrupper i en
pensionskasse Figur 4. Tillæg for forskellige fordelinger af reserve
0,015%
Normaliseret Oprindelig
0,010%
0,005%
0,000%
0% 1% 2% 3% 4% 5%
-0,005%
2,5% 3,0% 3,5%
-0,010%
-0,015%
tributionen er blevet væsentligt figur 2 er det største spring imel- placering inden for eksempel-
forringet. To policer med nær lem policer med ensartede risici vis en rentegruppe har betyd-
identisk grundlagsrente kan 0,3%. Springet optræder for poli- ning. Figur 4 viser ækviva-
pludselig være underlagt en væ- cen med mindste grundlagsren- lenstillæggene for sammen-
sentlig forskellig grad af omfor- te i gruppen 3,5%-4,5% til poli- lignelige rentegrupper med
deling. I det konkrete eksempel i cen med højeste grundlagsrente forskellig fordeling af reserve.
i gruppen 2,5%-3,5%.
Boks 2: Bestand ABC 2) ALM
Bestanden vi har regnet på i Selskabsspecifikke faktorer Den førte risikostyringspolitik
denne artikel er en faktisk be- Det er ikke muligt at benytte de har stor betydning for værdi-
stand med oprindelige grund- her dragne konklusioner som en af optioner i selskabet.
lagsrenter på 5, 3, 2 og 0.5 %. generiske. En lang række fakto- Hvis der eksempelvis ikke
Bonus og engangsindskud er rer har betydning for det bereg- tages investeringsrisiko i sel-
løbende kommet ind på det tids- nede ækvivalenstillæg, og derfor skabet, så vil værdien af be-
punkt laveste grundlagsrente, vil karakteren af omfordeling tingede garantier (også kaldet
hvorved policernes gennemsnit- imellem kunderne være meget ”trancher” i boks 1 på forrige
lige grundlagsrenter er spredt ud specifik for det enkelte selskab. side) kunne falde til nul, så-
over det samlede interval imel- Vi vil her kort gennemgå de om- fremt indre værdi på de betin-
lem 0.5 til 5%. Den retrospektive råder af betydning for vurderin- gede garantiers optioner er
reserve er ikke uniformt fordelt gen af kontributionen i selska- nul eller negativ. Den præsen-
over intervallet, som det ses i bet: terede metode tilbyder vurde-
figuren nedenfor. ring af kontributionen ved
100%
1) Risikofaktorens fordeling brug af både simple og avan-
90%
80% Det maksimale spænd i risi- cerede antagelser om ALM-
koniveauer imellem policerne risiko.
70%
60%
har naturligvis betydning for
50%
40%
3) Prioritering af trancher
30%
ækvivalenstillægget, men og-
Placeringen af trancherne i
20%
10%
0%
så mængden af reserve ift.
0% 1% 2% 3% 4% 5%
5. 2010-03 Side 5
…...Dokumentation og revision Fortsat
kapitalstrukturen (se boks 1) sigtserklæringer fremfor ab- betydning for de beregnede
er primært bestemt af følgen- solutte krav vil eksempelvis ækvivalenstillæg. Ækvivalens-
de forhold: kunne modelleres i den her tillæggene kan i princippet
præsenterede model. afregnes direkte imod KB,
Over hvilke risikointervaller
tilstræbes der fælles de- 4) Egenkapitalen hvilket vil medføre den høje-
potrente eller identisk bo- ste grad af opnåelig rimelig-
I et selskab har egenkapita- hed.
nussats len den primære funktion, at
Dækker egenkapitalen helt den forhøjer værdien af ga- Afslutning
eller fuldt for fælles depot- rantierne og sænker værdien Vi har i denne artikel illustreret
rente i rentegrupperne af betingede fordringer via brugen af en kvantitativ metode
opkrævning af risikotillæg. I til vurdering af selskabets kontri-
Størrelsen på den eventu- pensionskasser vil egenkapi- bution. Cosigma kan, som
elle andel af det kollektive talen også delvist forøge vær- nævnt, bistå ved udarbejdelsen
bonuspotentiale der skal dien af bonusoptioner. af dokumentation eller ved en
dække for fælles depotren- egentlig revision af kontribution-
te 5) Kollektivt bonuspotentiale
en i selskabet.
De seneste tiltag med at be- Afhængigt af specielt 2) og 3)
tragte garantierne som hen- vil størrelsen på det kollektive
bonuspotentiale have stor
Cosigma tilbyder også Solvens II relaterede ydelser/services
En række potentielle udfordringer i forbindelse med Solvens II skal løses inden for de kommende år. Vi til-
byder services og løsninger som kan hjælpe med en smertefri implementering af Solvens II.
Opgørelse af bedste skøn og risiko margin (kravspecifikation og modeller)
Beregning af solvensmargin kravet (stresstest)
Søjle 1
Partielle interne modeller (valg, udvikling og/eller implementering)
Data (datahåndtering og kvalitetskontrol. Opbygning af datawarehouse)
Gap analyser
Kvalitative inputs til risikostyring og ORSA (eksempelvis ved fastlæggelse af risiko appetit og forret-
Søjle 2
ningsgange)
Uddannelse (bestyrelse, ledelse eller medarbejdere)
Udarbejdelse af dokumentation/skrevne forretningsgange
Rapporteringsstandarder
Søjle 3
Rapporteringsværtøjer og datahåndtering
6. 2010-03 Side 6
Sikrer den nye kontributionsbekendtgørelse fairness?
være svært at opfylde, såfremt
cigarkasserne er lige store. Vi har
Figur 1. Ækvivalenstillæg for 1%-rentegrupper i en normaliseret bestand i figur 1 beregnet omfordelingen i
0,15% en normaliseret bestand, hvor
ønsket er at give samme kontor-
0,10%
rente til alle policer i hver gruppe.
Figuren viser tydeligt, hvordan
garantioptionens moneyness
0,05%
(optionen er at-the-money når
garantien er lig den risikofrie ren-
0,00% te, som i dette tilfælde er 3.5% )
0% 1% 2% 3% 4% 5%
har stor betydning for størrelsen
-0,05% på ækvivalenstillæggene. Dette
skyldes blandt andet, at optioner-
-0,10% nes afhængighed af det underlig-
gende aktiv (”delta”) er afhængig
-0,15% af moneyness. Graden af omfor-
deling er altså størst, når optio-
Så længe kravet om det maksimale stringerer effektivt størrelsen på nen er at-the-money. Såfremt sel-
spænd i rentegrupperne er over- en eventuel omfordeling og 2) skabet ønsker en ensartet grad
holdt, kræver Finanstilsynet ikke en metodikken er let at forstå og af maksimal omfordeling i alle
selvstændig dokumentation for ri- kommunikere. Desværre er der grupper, skal risikospændet i
melig kontribution inden for rente- også en række ulemper forbun- grupperne altså baseres på ækvi-
elementet. Det forudsættes altså, det med paradigmet og det er valenstillægget. I eksemplet fra
at bekendtgørelsens regler garan- derfor sjældent, at virksomheder figur 1 bør rentespændene i alle
terer en fair kontribution. For sel- frivilligt baserer deres økonomi- grundlagsrentegrupperne sæn-
skaber underlagt kontributionsbe- ske styring på kassetankegan- kes, så spændet i ækvivalenstil-
kendtgørelsen kan det dog alligevel gen. læg svarer til det, der blev bereg-
være hensigtsmæssigt ift. specielt net for den laveste garantigrup-
Cigarkassernes størrelse
forsikringstagerne at påvise rime- pe. Det bliver følgeligt gruppen
ligheden i selskabets kontribution. Når bekendtgørelsen dikterer et omkring det forventede afkast,
For selskaber der ikke er underlagt maksimalt spænd på 1 procent- der får det laveste rentespænd.
bekendtgørelsen bør dokumentati- point, så vil spændet formentligt i
praksis også blive et minimalt Finanstilsynet har besluttet, at
onen alene kunne bestå af bereg-
spænd. Jo større spændet er, den maksimale grundlagsrente
ningen af ækvivalenstillæggene
desto mindre bliver belastningen skal sænkes til 0,5% ultimo året.
vist i artiklen ”Dokumentation og
på egenkapitalen. Hvis et selskab På trods af dette kan det ved nu-
revision af selskabets kontributi-
uafhængigt af bekendtgørelsen værende renteniveau være for-
on”.
skal opstille kriterier for vurde- målstjenligt at basere garantien
Kontributionsbekendtgørelsen ind- ring af rentegruppernes størrelse, på en endnu lavere rente. Sel-
fører en cigarkasseøkonomi i sel- så kan et krav om samme grad af skaberne vil dog typisk opnå en
skaberne. Cigarkasseparadigmet omfordeling i alle grupper være væsentlig bedre reduktion af risi-
har specielt to fordele: 1) det re- relevant. Et sådant kriterium vil koen, såfremt de lavere garantier
7. 2010-03 Side 7
…Fairness Fortsat
(Fortsat fra side 6)
Figur 2. Spring i ækvivalenstillæg ved marginalt fald i policens
kan indeholdes i en rentegruppe gennemsnitlige grundlagsrente (selskab)
med en stor andel af garantier 0,35%
baseret på højere grundlagsren- 0,30%
ter. For selskaber der typisk har
1,5%-garantier i bestanden, vil 0,25%
der altså være et incitament til at 0,20%
nytegne på et 0,5% grundlag for
at udvande egenkapitalens be- 0,15%
lastning af 1,5% garantierne. Den 0,10%
marginale nytte ved at udvande
1,5% garantierne er større end 0,05%
springet i nytte fra 0,5% til 0% 0,00%
garantier. Risikoen på egenkapi- 0% 1% 2% 3% 4% 5%
talen flyttes derfor over på kun- -0,05%
derne, hvilket også kan formule-
res som, at den beregningsmæs- ducerer en høj grad af vilkårlig- en anden er under et givent ni-
sige kontribution erstattes af den hed i kontributionen. veau.
fordelingsmæssige. Fordelen for kunden ved den arbi-
Den af forsikringstager oplevede
Ælle, bælle… kontribution kan altså under be- trage der følger af bekendtgørel-
Et væsentligt kriterium for vurde- kendtgørelsen synes urimelig. To sens vilkårlighed, er beregnet i
ringen af selskabets kontribution kolleger med samme forsikrings- figur 3 næste side. Figuren viser
er fraværet af vilkårlighed (se og- historik og dermed nær identiske det forventede afkast på policen
så ”Dokumentation og revision af policer kan opleve, at den ene afhængigt af indplacering i rente-
selskabets kontribution”). Der bør kollega omfordeles positivt, mens gruppen. De komponenter der
være en stærk sammenhæng den anden omfordeles negativt. indgår i det forventede afkast er:
imellem risikoen på policen og værdien af et års garanterede
Arbitrage
den omfordeling policen udsæt- rente, ækvivalenstillæg, værdien
Bekendtgørelsen introducerer af eventuelle individuelle bonus-
tes for. Kontributionsbekendtgø-
også arbitrage for forsikringsta- potentialer samt værdien af øvri-
relsens kasseinddeling medfører
ger, idet gevinsten for at flytte til ge betingede garantier. Selskabet
desværre, at tilfældigheder afgør,
en rentegruppe med lavere ga- tilstræber i dette tilfælde at give
om en police er placeret i bunden
rantier er stor. Forsikringstager samme kontorente til alle i sam-
af en rentegruppe eller i toppen
kan i mange tilfælde foretage en me gruppe. Den tilstræbte konto-
af en anden. Og omfordelingen
marginal indbetaling på et lavere rente er lig den maksimale garan-
en police udsættes for, er i de
grundlag for at bringe policens ti inden for gruppen plus en even-
fleste tilfælde væsentligt forskel-
gennemsnitlige grundlagsrente tuel opfyldning til den risikofrie
lig. Figur 2 viser springet i ækviva-
under den aktuelle rentegruppes rente. Det største spring på
lenstillæg afhængigt af policens
nedre grænse. Selskabet under- ~0,5% er ved 3%’s grundlagsren-
præcise gennemsnitlige grund-
lagt kontributionsbekendtgørel- te. 0,5% i ”tabt afkast” finder vi
lagsrente. Det er tydeligt, at kon-
sen bør altså sikre, at springet i absolut ikke for værende negli-
tributionsbekendtgørelsen intro-
ækvivalenstillæg fra en gruppe til
8. 2010-03 Side 8
…Fairness Fortsat
tegruppen. Iht. bekendtgørelsens
regler om realiseret resultat har
Figur 3: Forventet afkast/kontorrente og det ønskede afkast risikogruppen over tid krav på
5,50% bonus svarende til det beregnede
resultat, men bonussen er for
længst blevet fordelt i rentegrup-
5,00%
Forventet afkast
pen. Selskabet må derfor give
Tilstræbet afkast negativ bonus til de policer, der
4,50% nu befinder sig i den pågældende
rentegruppe og så modregne på
4,00%
policeniveau i det omfang, det er
muligt. Problemstillingen bliver
delvist beskrevet i ”Vejledning om
3,50% bekendtgørelse om kontributions-
princippet” (Nr. 77, 31. august
3,00% 2010) punkt 33. Behandlingen er
0% 1% 2% 3% 4% 5% efter vores opfattelse kun delvis,
idet løbetidsforkortelsens — altså
(Fortsat fra side 7) værdiregulering medføre et nega- afviklingen af den akkumulerede
tivt resultat. Ligeledes vil eksem- værdiregulering — påvirkning af
gerbart. pelvis en nytegnet invalidesum på det realiserede resultat i rente-
en forsigtig tarif medføre en bety- gruppen ikke medtages.
Dekomponering
delig negativ værdiregulering, så- Reglen om værdireguleringens
Finanstilsynet har efterstræbt en
fremt der bortses fra den nuvæ- medtagelse i rentegruppen bidra-
dekomponering af resultatdan-
rende regel om hensættelse til ger efter vores opfattelse negativt
nelsen i de tre traditionelle bo-
minimum retrospektiv reserve. til omfordelingens rimelighed og
nuskilder. Dekomponeringen er
Værdireguleringen skal i begge til fremtidig fortolkning af kontri-
traditionelt vanskelig, idet diskon-
tilfælde foretages i rentegruppen, butionsgruppernes resultat.
teringseffekten ved en markeds-
og vil i det sidste eksempel med-
værdiopgørelse er svær at opgøre Opsummering
føre et betydeligt positivt resultat
uafhængigt af de øvrige markeds-
i denne gruppe. Resultatbidraget Som det er beskrevet i denne
værdiforudsætninger. Denne pro-
er altså nutidsværdien af forskel- artikel, indeholder bekendtgørel-
blematik er i bekendtgørelsen
len på 1. og 3. orden i hele forsik- sen i dens nuværende form en
”løst” ved at medtage alle mar-
ringens forventede løbetid. Dette lang række uhensigtsmæs-
kedsværdijusteringer (akku-
overskud, der stammer fra den sigheder. Svaret på vores indle-
muleret værdiregulering) i rente-
nytegnede forsikring, tilfalder alt- dende spørgsmål om, hvorvidt
grupperne. Dette skaber bla. nog-
så de kunder, der tilfældigvis har kontributionsbekendtgørelsen
le kontributionsmæssige udfor-
en stor opsparing i samme rente- sikrer, at overskudsdelingen i
dringer: Hvis et selskab eksem-
gruppe. Som tiden går, realiseres selskabet bliver fair, bliver derfor
pelvis er tvunget til at foretage en
der forventeligt et positivt resultat kun et: måske.
merhensættelse under de nuvæ-
i invaliderisikogruppen, mens lø-
rende markedsværdiregler, så vil
betidsforkortelsen medfører et
stigningen i den akkumulerede
tilsvarende negativt resultat i ren-
9. Cosigma er et uafhængigt selskab, som tilbyder in-
stitutionelle selskaber (banker, (livs-)forsikrings-
selskaber og pensionskasser) strategiske løsninger
og specialiseret konsulentbistand. Vi har tilsammen
mere end 25 års erfaring inden for området. Vi tilby-
der følgende produkter:
Cover: Er en fuldt fleksibel tilstandsmodel med til-
Kontakt os for yderligere information: hørende beregningskerne/markedsværdi modul. Kan
anvendes til såvel markedsværdiopgørelse af hen-
Peter Trägårdh Christensen sættelserne samt cashflow generering og fremreg-
Telefon: 61 65 75 60
ning af bestanden. Tilstandsmodel og sandsynlig-
E-mail: ptc@cosigma.com
hedsmål kan specificeres frit. Kan leveres som en
plug-in løsning til eksisterende systemer
dFacto: Et modulært risikostyringssystem til brug i
Martin Skovgaard Hansen
L&P-sektoren. Fremregningsmetodikken i dFacto er
Telefon: 29 90 38 57 transaktionsbaseret, hvilket giver en høj grad af nøj-
E-mail: ms@cosigma.com agtighed. Til dFacto findes en stokastisk scenario
generator samt Cover. dFacto anvendes allerede i
dag til blandt andet MCEV beregninger. dFacto kan
eksempelvis bruges til løsning af en helt række Sol-
vens II udfordringer (eksempelvis beregning af risi-
kotillægget ved fremregning af balancen)
Portio: Et fleksibelt rapporteringsværktøj der inte-
grerer fondssystem, egne data og Excel
Serviceydelser
Ud over produkterne nævnt ovenfor, Produktudvikling
tilbyder vi specialiseret konsulentbi- Performance rapportering
stand og skræddersyede softwareløs-
ninger inden for vores aktivitetsområ- Rapporteringsværktøjer og opbyggelse af
datawarehouse løsninger
der:
Regulatoriske forhold
Nylige eksempler på løste opgaver:
Solvens II
MCEV modellering
Individuel Solvens
Værdiansættelse af danske selskaber i
ALM modellering forbindelse med M&A
Strategisk aktiv allokering, forret- 1. og 3 ordens cash flow genereringer
ningsgange og hedging
Solvens II gap analyser
Peer group-/konkurrentanalyser
Beregning af konsekvenser ved Solvens II
Due diligence og værdiansættelse
Konsekvensberegninger på ny kontribu-
MCEV disclosure tionsbekendtgørelse
Passivmodellering