HOW TO EXPAND AND CULTIVATE THE STRATEGIC PARTNERSHIP SUSTAINABLY
|
|
- Roy Phelps
- 5 years ago
- Views:
Transcription
1 HOW TO EXPAND AND CULTIVATE THE STRATEGIC PARTNERSHIP SUSTAINABLY Munich May 12 th -13 th, 2016 H. Alper Erdinc Chief Sales Officer NN Turkey
2 NN Turkey Who we are? 13 years Experience 900 K Customer 310 Employee Authorized Sales Agents 300 Agency 4 Joint Ventures 291 ING Bank Branch 107 Anadolu Bank Branch ~ 700 Bn EUR AuM Ranking 6th on AuM 90% of coverage Service Level 2
3 To warm up: Let s have a small quiz about Turkey 1. How much of the population in Turkey is under the age 25? a) 17% b) 29% c) 35% d) 41% 2. How many Facebook users exist in Turkey? a) 8 mln b) 14 mln c) 22 mln d) 41 mln 3. What is the internet penetration in Turkey? a) 56% b) 60% c) 68% d) 96 % 4. What is the number of individual languages spoken in Turkey? a) 1 b) 5 c) 14 d) 36 5.How many elections took place in Turkey in the past 2 years? a) 1 b) 2 c) 4 d) 7 Sources:Turkish Statistical Instutude, country/tr 3
4 We are the 17th largest economy in the world ~3 mio increase at last 3 years 78 mio population Area of 784K km 2 (19 times NL) 799 billion USD GDP USD per capita GDP 10,3% unemployment rate 52% labour force participation (20 mln male, 8,7 mln female) 4-5% growth in economy in the last 30 years on average Source: Turkish Statistical Instutude & 4
5 Young population with a trend of smaller families 50% female 50% male 164 cm Live for 79 years 174 cm Live for 72 years 41% younger than 25 92% live in urban areas Average household size 3,6 * Married at 24 (F) & 27 (M) * Average household size is 5 in 1990, 4.5 in 2000, 4.0 in 2009, 3.6 in 2013 Source: Turkey Statistical Yearbook 2013 & 5
6 Low Trust, Low Penetration Difficulty in paying premiums due to personal finances (54%) 41% trust in insurance companies 76% do not own any type of insurance Social security coverage is enough (32%) 2% pension penetration 0,2% life penetration * Trustworthiness of the brand (76%) is the main factor affecting th choice of provider * In life insurance, GWP per person is 20$ which is equal to 0.2% of GDP per capita, which is far below compared to world s average (3,4%) and Europe s average(1,9%). Source: Habits & Attitudes Towards Insurance Survey 2012, Insurance Association of Turkey 6
7 Life expectancy is increasing The ratio of young age group decreased in the last 15 years as fertility rate went down. The ratio of older age group increased as the average life duration is longer. Source: Turkish Statistical Institude & 7
8 48% of people don t have savings 75% of people have personal debt Most people can barely meet their needs with their income Top 3 types of debt: Credit card (49%) Personal loan (36%) Friends & family (21%) Note: Figures in the graph represent the percentage who answered «no» Note: Figures in the graph represent the percentage who answered they have personal debt Source: ING International Survey Savings
9 Bank account is the most preferred saving tool Not saving Saving in bank (deposit, gold, FX, fund) Why?: Can only meet expenses with the income (58%) Insufficient financial situation (37%) No need for saving (23%) Paying a debt (6%) Gold or FX at home 24 Private pension 23 Real estate 11 Stock exchange 5 Source: Pension Segmentation Survey for Insurance Association of Turkey, Ipsos
10 Meanwhile, Turkish pension sector is growing Launch of New Pension System (tax adv. up to 35% ) 8 2 nd version of Pension System ( state contr. 25% ) 17 3 rd version of Pension regulation ( decr. fees) th version of Pension regulation ( Auto Enrolment) (Billion Eur) Targeted AUM Source: Pension Segmentation Survey for Insurance Association of Turkey, Ipsos
11 Fact : Big potential, Big opportunity Large & Young population Growth of middle class Trend to smaller families More focus on children s education Active internet community Modern Turkey big enough to offer a big potential 11
12 1 st Question: How insurance companies contact customers to offer their products? Finding the relevant PoS for targeted customer segments Financial Institutions Banks Consumer Finance Companies Leasing & Factoring Companies Insurance Intermediaries Tied Agents Independent Agencies Brokers New Distributors Telecomm Utilities Retailers Digital Internet Mobile 12
13 2 nd Question: Do we continue with traditional channels or traditional channels continue as traditional? Adaptation and quick response to changes needed Direct Sales Agencies Brokers Banks Retailers Digital Next Ne N. Customers 13
14 3 rd Question: How insurance companies capable to adapt distribution channels to changes? Fill in the gaps... Or find the adopted ones Financial Institutions Insurance Intermediaries Today GAP Tomorrow Skill Sets Mindset Insurance Knowlege Lean Processes Agility IT Infrastructure New Distributors Innovation Digital Don t fill the gap with Elephant!!! 14
15 4 th Question: How insurance companies can sustain long-lasting relationship with partners Build well defined and win-win partnership Reasons for Partnerships Displeasures 6 Basic rules to be succesfull 1 1. Orchestrating full solution 2. Access to specialist s scale efficiencies 3. Lower risk through access to alternative sources 4. Usage of unavailable resources 5. Improving value chain efficiency 6. Joint product & market development 1. Overestimate 2. Underestimate 3. Commit too long time horizon 4. Failure to properly manage partnerships aggreements 5. Stick with insular mentality 6. Lack of clear exit strategy 1. Divergent goals or no hidden agendas 2. Ad hoc partnerships waste time & and energy 3. Long-term sustainability minimizes impact of short-term behaviors 4. Setting accountability for ownership 5. Defining process for tasks and resources 6. Defining roles and responsibilities 15
16 4 th Question: How insurance companies can sustain long-lasting relationship with partners Building partnership with Banks as an example Bancassurance understood and important to bank Commitment and tone set from the top Strong visible leadership Consistent focus notjust flavour of the month Jointly agreed targets and basis Insurance representation on the board Inhouse and third party product provision Medium performance Simple multi-channel products agreed with bank Proposition geared for mass market ( fit or out ) Spesific development for high-net-woth individuals Effective bundling Organi zation Proposi Strateg tion ic Source Manage ment Shared services Integrated low cost model Single system Straight through processing Service Active internal and external lead generation Productivity focus End-to-end integration Offers visible Incentives / rewards balanced with bank Strong compliance focus Execution only guided and full advice Sales Face-to-face, internet, direct, telephoneintegrated solution Face-to-face representatives for wealth and business Focused sales culture Predict future segment Breakthrough propositions Simple triggers Active high volume, high quality lead generation Cross-sell and up-sell supported by core banking product incentives 2 16
17 NN Turkey Multi- channel approach to diversify distribution mix and customer needs Bancassurance Agencies & Brokers Joint Ventures (Since 2014) Partnerships (Since 2014) 1. w Life GWP AUM 80% Pension 40% Life GWP Pension AUM 5% 25% Life GWP Pension AUM 10% 30% Life GWP Pension AUM 5% 5% 17
18 NN Turkey Customers/Distribution Channells can do their own operation 7/24 Internet Mobile Call Center Sales Portal Increasing positive customer experince also led to spend less time to after sales There is a specific call center for employees of distribution channels to help their any request, As a result, Distribution channels more focus on new biz generation 18
19 Take aways for Todays Find the relevant PoS for targeted customer segments Adaptation and quick response to changes needed Fill in the gaps... Or find the adopted ones Build well defined and win-win partnership THANK YOU 19
20
Ageas Strategy in Portugal
Ageas Strategy in Portugal A G E A S I N V E S T O R D AY 6 TH O F J U N E 2 0 17 I LISBON PORTUGAL Evolution of Ageas presence in Portugal Ocidental : A success story since 2005 Agenda Ageas Seguros :
More informationCOUNTRY PROFILE. Luxembourg
COUNTRY PROFILE Luxembourg Statistical tables Factor I: Economic Performance WORLD COMPETITIVENESS RANKING 0 All data are available from the World Competitiveness Online. Visit our eshop COMPETITIVENESS
More informationCOUNTRY PROFILE. Cyprus
COUNTRY PROFILE Cyprus WORLD COMPETITIVENESS RANKING 207 All data are available from the World Competitiveness Online. Visit our eshop COMPETITIVENESS TRENDS - OVERALL OVERALL PERFORMANCE (63 countries)
More informationALPHA BANK: AGENDA 2010 REVISITED. Capital Markets Day. Bucharest, April 20, Retail Banking. G. Aronis, Executive General Manager
ALPHA BANK: AGENDA 2010 REVISITED Retail Banking G. Aronis, Executive General Manager Capital Markets Day Bucharest, April 20, 2007 Strategic Emphasis on Retail Banking Rationalize product offering Apply
More informationCOUNTRY PROFILE. Estonia
COUNTRY PROFILE Estonia WORLD COMPETITIVENESS RANKING 2017 All data are available from the World Competitiveness Online. Visit our eshop COMPETITIVENESS TRENDS - OVERALL OVERALL PERFORMANCE (63 countries)
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. October 2013
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION October 2013 Contents Corporate Profile Lines of Business - Life & Pensions Financials Stock Data 2 Turkish Economy 2012 Population (End of 2011 ) 75.627.384
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. April 2013
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION April 2013 Contents Corporate Profile Lines of Business - Life & Pensions Financials Stock Data 2 Turkish Economy 2012 Population (End of 2011 ) 75.627.384
More informationDisclaimer. Aviva plc
Sustainable growth Richard Harvey Group Chief Executive 6 October 2005 Disclaimer This presentation may contain certain forward-looking statements with respect to certain of Aviva s plans and its current
More informationNN Group and Delta Lloyd agree on recommended transaction. Lard Friese, CEO NN Group Hans van der Noordaa, CEO Delta Lloyd 23 December 2016
NN Group and Delta Lloyd agree on recommended transaction Lard Friese, CEO NN Group Hans van der Noordaa, CEO Delta Lloyd 23 December 2016 Key takeaways 1 2 3 Recommended offer at EUR 5.40 per share and
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. October 2012
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION October 2012 Contents Corporate Profile Lines of Business - Life & Pensions Financials Stock Data 2 Turkish Economy 2011 Population (End of 2011 ) 74.724.269
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. December 2011
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION December 2011 Disclaimer The information in this document has been obtained by Anadolu Hayat Emeklilik A.Ş. from sources believed to be reliable, however,
More informationContent. Macroeconomics. Banking Sector in Bulgaria. Raiffeisen Bank International. Raiffeisenbank (Bulgaria) EAD. Page 2
Welcome Page 1 Content Macroeconomics Banking Sector in Bulgaria Raiffeisen Bank International Raiffeisenbank (Bulgaria) EAD Page 2 Raiffeisen Research s forecast for Bulgaria Economic growth is expected
More informationReshaping consumer access to, and engagement with retail investments
Reshaping consumer access to, and engagement with retail investments Adrian Grace Chief Executive Officer Aegon UK October 2015 All industries are moving into a digital world More than 8 billion mobile
More informationING Bank Śląski. ING Bank Śląski results after 3Q November 2005
results after 3Q November Warsaw, 10 November Macroeconomic environment waiting for economic growth acceleration Slight economic growth in 3Q - GDP up by 3.6% (estimated) compared with 2.1% in 1Q and 2.8%
More informationLeadership in Life Insurance. June 2013
Leadership in Life Insurance June 2013 Agenda Industry overview and outlook Performance update Our strategy 2 Agenda Industry overview and outlook Performance update Our strategy 3 India life insurance
More informationEuropean public sector aims for world class construction sector. Dr. Ilka May Co-Chair and Head of Delivery EU BIM Task Group
European public sector aims for world class construction sector Dr. Ilka May Co-Chair and Head of Delivery EU BIM Task Group Who is the EU BIM Task Group? Why is it needed? Why do we need a BIM handbook?
More informationAXA and BMPS join forces in the Italian bancassurance and pensions market March 23, 2007
AXA and BMPS join forces in the Italian bancassurance and pensions market March 23, 2007 pag. 1 AXA and BMPS join forces to create a new Italian leader Worldwide leader in Leading Italian banking financial
More informationD E E P D I V E INTO F R E N C H R E TA I L G R O W T H D R I V E R S
D E E P D I V E INTO F R E N C H R E TA I L G R O W T H D R I V E R S 2 8. 1 1. 2 0 1 7 Bernardo Sanchez Incera Deputy CEO Philippe Aymerich Head of Credit du Nord PROFESSIONAL CLIENT BASE Laurent Goutard
More informationAviva International - strong, balanced and profitable growth
Aviva International - strong, balanced and profitable growth Tidjane Thiam Managing Director, Aviva International We aim for sustainable and profitable growth The right markets The right capabilities -
More informationStrategies for Successful Business in Asia Fasico is proud to be a partner of
Strategies for Successful Business in Asia Fasico is proud to be a partner of Introduction to Fasico Established as a fully independent consulting firm, in position to support European companies in Asia.
More informationDelta Lloyd Group. Update on Joint Venture Delta Lloyd Group - ABN AMRO Insurance. Niek Hoek. July Chairman Executive Board Delta Lloyd
Delta Lloyd Group Update on Joint Venture Delta Lloyd Group - ABN AMRO Insurance Niek Hoek Chairman Executive Board Delta Lloyd July 2003 1 Strategic Rationale Joint Venture Expand client base Create leading
More informationNestlé in India: Winning in the New Reality
Nestlé in India: Winning in the New Reality Helio Waszyk Chairman and Managing Director Nestlé India September 25 th, 2012 Disclaimer This presentation contains forward looking statements which reflect
More informationMind The Gap Quantifying The Pensions Savings Gap in Ireland September 2010 EPSG_CBC_IRELA_28473_BRO.indd 1 02/09/ :18
Mind The Gap Quantifying The Pensions Savings Gap in Ireland September 2010 About Aviva Aviva is the world s sixth-largest* insurance group. Our main business activities are long-term savings, fund management
More informationSanford C. Bernstein Strategic Decisions Conference
Sanford C. Bernstein Strategic Decisions Conference May 31, 2012 Essentials for a Better Life A Long and Successful History Celebrating 140 th anniversary in 2012 Company founded before the telephone,
More informationRethinking the success of bancassurance. EY survey identifies trends and challenges of this unique business model as it applies in Brazil
Rethinking the success of bancassurance EY survey identifies trends and challenges of this unique business model as it applies in Brazil Contents 1 About the survey 2 Executive summary 4 Key theme 1 Bancassurance
More informationVIG Becoming the No. 1 Insurer in CEE. Goldman Sachs Annual European Financials Conference London - June 11, 2008
VIG Becoming the No. 1 Insurer in CEE Goldman Sachs nnual European Financials Conference London - June 11, 2008 Contents 2 B C D VIG on a steady path of growth Growth potential in CEE and ustria Exploiting
More informationReasons for China's Changing Female Labor Force Participation Rate Xingxuan Xi
7th International Conference on Education, Management, Information and Mechanical Engineering (EMIM 2017) Reasons for China's Changing Female Labor Force Participation Rate Xingxuan Xi School of North
More informationThe agent of the future
The of the future Korea EY survey highlights need for customer-centric innovation and personalized sales support The of the future is emerging as a proactive advisor in a digital world. ii The of the future
More informationThe Next Bancassurance Innovations
The Next Bancassurance Innovations Ola Oyekan, PhD Research & Development Specialist, RGA 12 th October, 2016 Agenda RGA and bancassurance Bancassurance trends & case studies Business models Global bancassurance
More informationTurkish economy and banking sector
Turkish economy and banking sector Dr. Ekrem Keskin 36th Meeting of the EU-Turkey JCC 18-19 July 2017 Brussels Main features of the economy Functioning market economy Free capital flows Free floating exchange
More informationLabour Market Challenges: Turkey
Labour Market Challenges: Turkey Conference Presentation «Boosting the social dimension in the Western Balkans and Turkey» Hakan Ercan Middle East Technical University, Ankara 31.01.2018 Belgrade 1 Growth
More informationCHAPTER 7 SUMMARY AND CONCLUSION
CHAPTER 7 SUMMARY AND CONCLUSION The opening up of the insurance sector for the private participation or global players has resulted in stiff competition among the players. Competition has brought in more
More informationTURKEY MARKET REPORT. Asia Securities Forum Annual General Meeting, Bali October 2018
TURKEY MARKET REPORT Asia Securities Forum Annual General Meeting, Bali October 2018 MACRO-ECONOMIC OVERVIEW Following a strong recovery in 2017, the Turkish economy faced significant challenges in 2018
More informationLife insurance industry in India
Pre-liberalization Life insurance industry in India The Indian life insurance industry was nationalized in the 1950s and Life Insurance Corporation (LIC) was the only player till the year 2000 when the
More informationLeadership in life insurance. August 2013
Leadership in life insurance August 2013 Agenda Industry overview and outlook Performance update Our strategy 2 Agenda Industry overview and outlook Performance update Our strategy 3 India life insurance
More informationYear-end results. 18 May
Year-end results 18 May Highlights for the year Strong operational performance Good performance across all areas of activity Deepened our core franchise Sound levels of corporate client and private client
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. December 2010
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION December 2010 Disclaimer The information in this document has been obtained by Anadolu Hayat Emeklilik A.Ş. from sources believed to be reliable, however,
More informationNAVIGATING THE NEW WORLD
NAVIGATING THE NEW WORLD ANNUAL INVESTOR MEET 04 HARISH MANWANI AGENDA Unilever Journey Stepping up Performance Winning in Developing & Emerging Markets Over the last 5 years - A very different company
More informationForward-Looking Statements
Investor Presentation January 2007 Ed Clark President & CEO TD Bank Financial Group Forward-Looking Statements From time to time, the Bank makes written and oral forward-looking statements, including in
More informationHenkel Our strategic priorities for the future. Hans Van Bylen / Carsten Knobel Press Conference, November 17, 2016
Henkel 2020 + Our strategic priorities for the future Hans Van Bylen / Carsten Knobel Press Conference, November 17, 2016 Disclaimer This information contains forward-looking statements which are based
More informationNN Group Netherlands. David Knibbe, CEO Netherlands Insurance. Capital Markets Day 19 November 2015
NN Group Netherlands David Knibbe, CEO Netherlands Insurance Capital Markets Day 19 November 2015 1 2 NN Group is well placed in its home market to drive value Netherlands Life is well positioned to grow
More informationPublic Pensions. Taiwan. Expanding coverage and modernising pensions. Pension System Design. 1Public Pensions. Social security.
Taiwan Expanding coverage and modernising pensions Pension System Design Taiwan s pension system is in a process of transition and reform. In the realm of public pensions, there is a basic safety net for
More information3Q 2006 results. Warsaw, 9 November 2006
2006 Warsaw, 9 Information for investors Some statements contained in this press release represent future predictions and forecasts. Such statements are based on the current views and assumptions of the
More informationThe quest for profitable growth
Global banking outlook 2015: transforming banking for the next generation The quest for profitable growth We estimate that if the average global bank grew revenues by 17% from FY13 levels, it would be
More informationInvestor Presentation. December 2015
Investor Presentation December 2015 Disclosures About Non-GAAP Financial Measures During this presentation, references to financial measures of Green Dot Corporation will include references to non-gaap
More informationThe Next Innovations in Bancassurance
The Next Innovations in Bancassurance Ola Oyekan, PhD Research & Development Specialist, RGA 12 th October, 2015 Agenda RGA and bancassurance Bancassurance trends & case studies Business models Bancassurance
More information2017 Workplace Benefits Report
RETIREMENT & BENEFIT PLAN SERVICES 2017 Workplace Benefits Report Insight for employers to drive employee engagement and empower them to pursue their best financial lives 2017 WORKPLACE BENEFITS REPORT
More informationLeading Stock Exchanges 2017 GLOBAL SUMMIT OF WOMEN May 11-13, 2017 Tokyo, Japan
Қазақстан қор биржасы Казахстанская фондовая биржа Kazakhstan Stock Exchange Leading Stock Exchanges 2017 GLOBAL SUMMIT OF WOMEN May 11-13, 2017 Tokyo, Japan Favorable Location Astana Almaty General Information
More informationInsurance and Private Pensions Sector in Turkey. 5 October 2017
Insurance and Private Pensions Sector in Turkey 5 October 2017 1 AGENDA i. Turkish Insurance Market: An Overview ii. Hot Topics iii. Importance of the Insurance Sector for the economy & it s Prospects
More informationThe Option Trader S Mindset Think Like A Winner
We have made it easy for you to find a PDF Ebooks without any digging. And by having access to our ebooks online or by storing it on your computer, you have convenient answers with the option trader s
More informationINVESTOR PRESENTATION
INVESTOR PRESENTATION 1 Contents Well positioned across India s GDP spectrum Meeting Diverse Customers Needs Unique Franchise in the Indian Banking Sector Key Business Initiatives Financial Highlights
More informationGeneral information about Jordan
Bank system in Jordan Central bank of Jordan General information about Jordan -Area: about 89.3 thousand sq. km., of which 7.8% is agricultural land -Size of the Economy: GDP for 2013 is around JD 10.8
More informationZurich. A global insurer
Zurich A global insurer Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 53,000 employees, it provides a wide range of property and casualty, and
More informationBG Asset Management Before & After. 19 May 2011 Vienna
BG Asset Management Before & After 19 May 2011 Vienna BG Capital Market - Brief History The first stock exchange is founded on May 1st, 1914 and exist till WWII 1991 the capital market is revived and the
More informationGLOBAL INSURANCE MARKETS SELECTED DATA
GLOBAL INSURANCE MARKETS SELECTED DATA Allianz Research Munich / November 218 Copyright Allianz SE CONTENT 1 GLOBAL PREMIUM INCOME BY REGION 5 DEVELOPMENT OF P&C MARKETS 2 DEVELOPMENT OF LIFE INSURANCE
More informationInvestor Presentation
Investor Presentation Perspectives on the Polish market and Nordea operations Włodzimierz Kiciński CEO Nordea Bank Polska Agenda Macroeconomic environment Banking market trends Nordea operations Strategic
More informationMORTGAGE CONSUMER SURVEY
2016 MORTGAGE CONSUMER SURVEY Everything you need to open new doors 2016 MORTGAGE CONSUMER SURVEY 2016 MORTGAGE CONSUMER SURVEY - QUICK FACTS In March 2016, CMHC completed an online survey of 3,006 recent
More informationMyPath Savings - Reno Initiative
MyPath Savings - Reno Initiative Summer 2014 Outcomes Report Executive Summary MyPath powers youth and seeds economic mobility by creating financial empowerment opportunities for low income youth. MyPath
More informationGrowth Opportunities in Canadian Banking. Caution regarding forward-looking statements
Growth Opportunities in Canadian Banking Jim Westlake Group Head, Canadian Banking National Bank Financial Canadian Financial Services Conference Montreal March 2, 2007 Financial information is in Canadian
More informationShaping the future relationship bank
Shaping the future relationship bank CEO Long term commitment, have a plan, future oriented continue on the road we have set out on, Stable, trustworthy Christian Clausen President and Group CEO 1 Nordea
More informationWhat Do Millennials Expect From Financial Advisors?
What Do Millennials Expect From Financial Advisors? INTRODUCTION As a financial advisor, do you have the correct processes and systems in place to attract, retain and serve Millennials? As you will see
More informationInvestment and Insurance Services Division 19 October 2004
Investor Half Day Investment and Insurance Services Division 19 October 2004 Disclaimer The material that follows is a presentation of general background information about the Bank s activities current
More informationPresented by: Kent Griffin, Chief Financial Officer, TAL Date: 7 September 2018
TAL and Australian Life Insurance Market Presented by: Kent Griffin, Chief Financial Officer, TAL Date: 7 September 2018 The life insurance market in Australia A$17.2b (1) in-force premium, distributed
More informationFelipe Dutra Chief Finance & Technology Officer
Felipe Dutra Chief Finance & Technology Officer Agenda Financial Performance Role of Financial Discipline in our business model Risk management: Balancing deleveraging with returning cash to shareholders
More informationMicro-insurance: A Business Case. 30 May 2016
Micro-insurance: A Business Case 30 May 2016 1 Who We Are Global Non-profit Women s World Banking is the global nonprofit devoted to giving more low-income women access to the financial tools and resources
More informationANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION. March 2011
ANADOLU HAYAT EMEKLİLİK A.Ş. COMPANY PRESENTATION March 2011 Disclaimer The information in this document has been obtained by Anadolu Hayat Emeklilik A.Ş. from sources believed to be reliable, however,
More informationMillennial Money Mindset Report
Millennial Money Mindset Report 2017 In Partnership with: Data Analysis support by Executive Summary 2017 Millennial Money Mindset Report Previous studies have shown that the expectations of Millennials
More informationProperty & Casualty: AXA Asia P&C A story of acceleration and value creation
Investor Day 4 December, 2013 Property & Casualty: AXA Asia P&C A story of acceleration and value creation Gaelle Olivier CEO, AXA Asia P&C Cautionary note concerning forward-looking statements Certain
More informationAIB Finance & Leasing: Leasing Life Conference, Paris
AIB Finance & Leasing: Leasing Life Conference, Paris 24 th November 2016 Presented by: Kieran Marshall Managing Director AIB Finance & Leasing Agenda 1. Ireland's Market Ireland in Numbers Impact of FDI
More informationGender Sensitive. Indicators in Seoul ~ Policy Research-033
2010-Policy Research-033 2005 ~2009 Sensitive s in Seoul Sensitive s in Seoul 2005~2009 S eoul F oundation of W omen & F amily C O N T E N T S C O N T E N T S I. Introduction Title 6 Purpose 6 Guide to
More informationLeveraging strong market positions
Leveraging strong market positions Wim Hekstra December 1, 2017 Wholesale Helping people achieve a lifetime of financial security 1 Summary Shift towards new solutions Customer demand for transparent and
More informationUBS 20 TH ANNUAL SOUTH AFRICA FINANCIAL SERVICES CONFERENCE. The blurring of lines between insurance and banking
UBS 20 TH ANNUAL SOUTH AFRICA FINANCIAL SERVICES CONFERENCE The blurring of lines between insurance and banking STANDARD BANK GROUP / OUR JOURNEY 155 YEAR OLD START UP Group strategic positioning Wealth
More informationPerformance review Q1-FY2019
Performance review Q1-FY2019 July 23, 2018 ICICI Securities: Natural beneficiary of transforming savings environment Largest equity broker in India 1 powered by ICICIdirect Strong online presence aided
More informationTaipei City Report Overview of The Insurance Market of Taiwan. Mr. Luke Hsu, Vice President Taiwan Insurance Institute May 7th, 2018
Taipei City Report Overview of The Insurance Market of Taiwan Mr. Luke Hsu, Vice President Taiwan Insurance Institute May 7th, 2018 2 AGENDA I. Overview of Taiwan s Economy II. Overview of Taiwan s Insurance
More informationAXA. Henri de Castries. Chairman & CEO. London - October 2, Sanford C. Bernstein Strategic Decisions Conference
AXA Henri de Castries Chairman & CEO London - October 2, 2013 Sanford C. Bernstein Strategic Decisions Conference Cautionary note concerning forward-looking statements Certain statements contained herein
More informationAXA. Jean-Laurent Granier. Chairman & CEO of AXA Global P&C CEO of the Mediterranean and Latin American Region Member of the Management Committee
AXA Jean-Laurent Granier Chairman & CEO of AXA Global P&C CEO of the Mediterranean and Latin American Region Member of the Management Committee March 27, 2014 Morgan Stanley European Financials Conference
More informationRetirement. on the Brain. A Woman s Guide to a Financially Secure Future - Workbook
Retirement on the Brain A Woman s Guide to a Financially Secure Future - Workbook Secure your future starting now Women face unique challenges when it comes to saving and investing for the future. We
More informationT H E S T R A T E G I C R O L E O F M O B I L I T Y W I T H I N T H E S I T E S E L E C T I O N P R O C E S S. David Osborne Andrzej Narkiewicz
H E A L T H W E A L T H C A R E E R T H E S T R A T E G I C R O L E O F M O B I L I T Y W I T H I N T H E S I T E S E L E C T I O N P R O C E S S S E P T E M B E R 2 0 1 8 David Osborne Andrzej Narkiewicz
More informationSession 74 PD, The Impact of Changing Demographics on Disability and Group Life Insurance. Moderator: Leo D. Tinkham, CEBS
Session 74 PD, The Impact of Changing Demographics on Disability and Group Life Insurance Moderator: Leo D. Tinkham, CEBS Presenters: James Jacobsen Timothy B. Moran, ASA, MAAA Joseph M. Schauder, ASA,
More informationPerformance review FY2018
Performance review FY2018 April 14, 2018 ICICI Securities: Natural beneficiary of transforming savings environment Largest equity broker in India * powered by ICICIdirect Strong online presence aided by
More informationFMO.io Pitch Deck FMO.io All Rights Reserved
FMO.io Pitch Deck 1 Insurance Agency Tech Is Obsolete 90% of Insurance Agents are unsuccessful due to antiquated systems Agents are having a hard time organizing necessary paperwork to contract with outside
More informationCOMMENTS ON SESSION 1 PENSION REFORM AND THE LABOUR MARKET. Walpurga Köhler-Töglhofer *
COMMENTS ON SESSION 1 PENSION REFORM AND THE LABOUR MARKET Walpurga Köhler-Töglhofer * 1 Introduction OECD countries, in particular the European countries within the OECD, will face major demographic challenges
More informationDelivering on our Commitments Today and Tomorrow. Investor Presentation
Delivering on our Commitments Today and Tomorrow Investor Presentation CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION This document may contain forward-looking statements. Forward-looking statements
More informationHenkel Shaping Henkel towards 2020 and beyond. Hans Van Bylen, Carsten Knobel German Investment Seminar 2017 January 2017
Henkel 2020 + Shaping Henkel towards 2020 and beyond Hans Van Bylen, Carsten Knobel German Investment Seminar 2017 January 2017 Disclaimer This information contains forward-looking statements which are
More informationThe Changing Workforce: Future Talent Trends Impacting Pooling and the Insurance Industry. Managing Partner
The Changing Workforce: Future Talent Trends Impacting Pooling and the Insurance Industry Presented by: Margaret Resce Milkint Managing Partner AGENDA Market Trends Changing Dynamics Industry Solutions
More informationUS INVESTOR ROADSHOW NOVEMBER
US INVESTOR ROADSHOW NOVEMBER 2013 GROUP OVERVIEW FTSE 250 plc with a market capitalisation of c. 2.3bn Leading non-standard lender providing access to credit for those who might otherwise be financially
More informationPopulation (millions) 63.4 (2002) Land area (km 2 '000) (2002) GDP ($ billions) (2002) GDP per capita ($) 1,955 (2002)
COMPETITIVENESS TRENDS - OVERALL OVERALL PERFORMANCE 16 13 14 13 10 BASIC FACTS Capital Bangkok Population (millions) 63.4 (2002) Land area (km 2 '000) 513.0 (2002) Exchange rate (per $) 42.96 (2002) Infrastructure
More informationAegon Platform Getting started
Aegon Platform Find out how Aegon Platform users in your firm should be set up. Discover how to access your account and start using the new functionality. This information is for intermediaries only. It
More informationPresent Challenges & alternate channels of distribution
Present Challenges & alternate channels of distribution S. Muhnot MD & CEO IDBI Capital Market Services Ltd Presentation Contents Market Perspectives of the Indian Mutual Fund Industry Online the new channel
More informationBank of America Merrill Lynch The Future of Financials Conference. November 14, Citi Investor Relations
Citi Investor Relations Bank of America Merrill Lynch The Future of Financials Conference November 14, 2017 Naveed Sultan Global Head of Treasury & Trade Solutions Agenda Strong Foundation for Growth Technology-Driven
More informationHISTORY DASK - TURKISH NATURAL CATASTROPHE INSURANCE POOL.
HISTORY The devastating Earthquakes in Marmara region on 17th August and 12th November 1999 Insured loss: around USD 800 milion Economic loss: over USD 10 billion Low insurance penetration (especially
More informationAviva plc. Cash flow plus growth Upgraded Capital Markets Day 2017
Aviva plc Cash flow plus growth Upgraded Capital Markets Day 2017 Disclaimer Cautionary statements: This should be read in conjunction with the documents distributed by Aviva plc (the Company or Aviva
More informationContent. Macroeconomics. Banking Sector in Bulgaria. Raiffeisen Bank International. Raiffeisenbank (Bulgaria) EAD. Page 2
Welcome Page 1 Content Macroeconomics Banking Sector in Bulgaria Raiffeisen Bank International Raiffeisenbank (Bulgaria) EAD Page 2 Raiffeisen Research s forecast for Bulgaria Economic growth is expected
More informationDIGITAL FINANCIAL SERVICES CHALLENGES AND OPPORTUNITIES FOR BANKS
DIGITAL FINANCIAL SERVICES CHALLENGES AND OPPORTUNITIES FOR BANKS MARTIN HOLTMANN MANAGER, DIGITAL FINANCE AND MICROFINANCE FINANCIAL INSTITUTIONS GROUP Digital Financial Services (DFS) Financial Services
More informationInformal meeting of EPSCO Ministers
Informal meeting of EPSCO Ministers Dublin 7/8 th February, 2013 DRAFT CONCLUSIONS Youth Guarantee Reaching an agreement at the EPSCO Council on 28 February on a Council Recommendation for a Youth Guarantee
More informationContent. Macroeconomics. Banking Sector in Bulgaria. Raiffeisen Bank International. Raiffeisenbank (Bulgaria) EAD. Page 2
Welcome Page 1 Content Macroeconomics Banking Sector in Bulgaria Raiffeisen Bank International Raiffeisenbank (Bulgaria) EAD Page 2 Raiffeisen Research s forecast for Bulgaria Economic growth is expected
More informationCorporate Wrap a solution looking for a market? Corporate Wrap/Platforms Technology and Lessons from Australia. David O. Harris Managing Director
Corporate Wrap/Platforms Technology and Lessons from Australia David O. Harris Managing Director T OR Financial Consulting Limited Drivers Landscape Agenda Key Features Individual Wrap, Corporate Superannuation
More information2016 INSURANCE SYMPOSIUM
2016 INSURANCE SYMPOSIUM DLA Piper, No. 1 Martin Place, Sydney, Australia Wednesday, 24 February 2016 www.dlapiper.com 2016 Insurance Symposium Wednesday, 24 February 2016 0 1 Dr Now and when: Digital
More informationAMP driving value and growth. Andrew Mohl Chief Executive Officer
AMP driving value and growth Andrew Mohl Chief Executive Officer Outline AMP today 1H 04 financial results Summary Overview Outlook - 2H 2004 and 2005 Strategic focus Industry landscape AMP s competitive
More informationCredit Suisse Financial Services Forum 2009
Credit Suisse Financial Services Forum 2009 Naples, Florida February 4, 2009 Brady W. Dougan, CEO Credit Suisse Cautionary statement Cautionary statement regarding forward-looking and non-gaap information
More information