23,513 19, ,548 18,723 1,965 26,136 20, ,644 21,760 2,492 25,902 20, ,427 21,757 2,475
|
|
|
- Kathrine Farstad
- 4 år siden
- Visninger:
Transkript
1
2
3 2556 SMALL IS BEAUTIFUL ( ) 1
4 ,902 20, ,427 21,757 2,475 1, , ,136 20, ,644 21,760 2,492 2, , , ,513 19, ,548 18,723 1,965 1, , (121) (0.53) (6.82) (0.59)
5 , % 2.3% 2.0% 1.9% 2.1% % 88% 66% 63% 74% - 5, , , , , % 0.76% 15.92% % % % % % 0.00% 5.00% 10.00% 15.00% 20.00% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% ( ) 3
6 SMALL IS EFFICIENCY 4
7 2556 SMALL IS POWERFUL ( ) 5
8 SMALL IS SMART 6
9 2556 SMALL IS BIG ( ) 7
10
11 SME 97 ( ) 9
12
13 % 3, % 5 Capital Adequacy Ratio (CAR) 15.9% 8.5% (NPL) (Reserve Coverage Ratio) 81.1% 97.5% 2556 ( ) ( ) ( ) 11
14 - 12
15 ( ) - ( ) 1 Mr.Winyou Chaiyawan 2 Mr.Roy Agustinus Gunara 3.. Miss.Sanannart Kulpaisantham 4 Mr.Suchin Srisurangkul 5 Mr.Siriwat Quanchareonsap 6 Mr.Kittipant Sriwannawit 7 Mr.Pornthep Permpornpipat 8 Mr.Kamolphu Palephapong 9 Mr.David Jeffrey Stone 10 Mr.Kajhitphome Sudsok 11 Mrs.Kanitsri Boonyasartpun 12 Mrs.Sansanee Warke 13.. Miss.Datchanee Musuwan 14 Mr.Surasak Sakrittiron Miss.Chanida Charnmanoon 16 Mrs.Phimolphan Kittusuwan 17.. Miss.Achara Ruangchay 18 Mr.Dulyavit Intapantee 19 Mr.Rong Hirunpanich 20.. Miss.Nara Sanghirundwathana 21 Mr.Chodok Theerawigasit 3 22 Mr.Somchai Raweeruengrong 5 23 Mr.Therawut Somboon 7 24 Mr.Bundit Charoenloet 25 Mr.Somyos Seangmaneesatien 26 Mrs.Jaruayporn Suwanasakorn 27 Mr.Sumit Sadsara 28 Mr.Visith Thanawanichakul 29 Mr.Wiboon Aroonreungsirilert 30.. Miss.Pimonpun Ruckpanich ( ) 13
16 14
17 ( ) 15
18 * / / ( ) ( ) ( ) () ( ) ( ).. ( ) * ( ) / / Master of Management / Advance Management Program / Harvard Business School Bank of Thailand Program / Harvard University Graduate School of Business Administration ( ) ( ) ( ) 16
19 2556 * ( ) / M.B.A (Finance) / University of Detroit, Michigan, USA ( ) () ( ) () / / Financial Analysis & Policy / IMF-Institute International Board & Director Seminar / Swedish Academy of Directors / Director Certification Program 23 / (IOD) Financial Institutions Governance Program (FGP) / (IOD) Audit Committee Program (ACP) / (IOD) ( ) () ( ) () (SRO) ( ) (...) ( ) ( ) ( ) 17
20 (Mr.Ranvir Dewan) Bachelor of Commerce (Honors) / University of Delhi, India Member / Canadian Institution of Chartered Accountants (CA) Fellow / Institution of Chartered Accountants in England & Wales (FCA) Associate / Institution of Chartered Accountants in England & Wales (ACA) Shriram City Union Finance Ltd. India ( ) Bank BTPN, Indonesia ( ) ( ) / Master of International Management / American Graduate School of International Management-Arizona, USA Director Certification Program (DCP) / (IOD) Audit Committee Program (ACP) / (IOD) () - () ( ) ( ) 18
21 2556 / ( ) ( ) / Master of Business Administration (MBA) / The Anderson School of UCLA Chartered Financial Analyst (CFA) / CFA Institute ( 15) / () ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 19
22 (Mr.Roy Agustinus Gunara) - (Mr.Tan Choon-Hong) BSC, Electronic Engineering / Drexel University MBA, FINANCE / University of Illinois GCE A Level / Victoria Junior College Bachelor of Arts in Electrical & Electronics Engineering (1st Class Honors) / Cambridge University Master of Engineering (Distinction) / Cambridge University Chartered Financial Analyst (CFA) / CFA Institute ( ) Northstar Advisor Pte Ltd Nera Telecommunications Ltd Asia Systems Ltd Samudra Energy International Pte.Ltd Samudra Energy Limited Business Group of Asia Pacific Realty Ltd. ( ) ( ) ( ) ( ) ( ) ( ) 20
23 * / (4.28)* (4.28)* * : : : ( ) 21
24 ( ) Northstar 4 ( ) 22
25 2556 ( ) 23
26 2 (Term Loan) - 10 ( 90% ) - 10 (O/D) 90% 72 (Effective Rate) ( ) ( ) ( ) 90% ( ) (Effective Rate) 1,000-10,000,000 SME (Overdraft) 24
27 2556 (Short Term Loan) (Long Term Loan) (Clean Bill Discount) (Contingent Liability) (Letter of Guarantee) (Aval) (P/N) ( ) 25
28 (Acceptance) (Domestic Letter of Credit) Letter of Credit Letter of Credit (Beneficiary) (Issuing Bank) - (Hire Purchase) Refinance % 15 26
29 (General Deposit) (Structured Deposit) (Structured Deposit) ATM : 50, , , , , , ,000 1,000, ( ) 27
30 (Statement) : (General Deposit) : ATM (Passbook) (Fixed Deposit Receipt) 28 - (Passbook) : (Fixed Deposit Receipt) : : %
31 2556 ( ) (...) ( ) ( ) :... :... : (Long Term Equity Fund: LTF) : ,000 (Retirement Mutual Fund: RMF) : ,000 ( ) 29
32 ( ) ,000 PGS 10, VPAT Regional Veterinary Congress ( ) ( ) vet fair / /
33 / / / ( ) 31
34 () 10
35 GDP ( : ) 11,375 11,897 12,769 12,599 ( ) 167, , , ,638 GDP ( :.) (. ) 5,389 5,647 5,816 5,650 GDP (, %) (, %) 13.2 (1.9) (, %) 14.4 (2.8) (, %) (, %) (, %) (, %) (, %) (.) (, %) 2/ 3.1 (0.2) (, %) 2/ (, %) (.) 1/ (, %) 2/ 8.8 (0.4) (, %) 2/ (.) 1/ (.) 1/ (1.5) (2.8) (2.5) (0.6) GDP (%) (0.4) (0.6) (0.6) (0.2) (%) GDP Deflator :, : 1/ 6 IMF 2/ ( ) 33
36 () ( ) (54.1) (9.49) ,699.2 (1,362.1) (80.16) 4, , , , , , , , , (531.6) (506.5) (25.1) 4.96 (720.8) (378.6) (342.2) (20.3) (13.6) (6.7) , , , (28.0) (57.03) , , ,
37 2556 () ( ) 21, , , , ,185.9 (694.7) (31.78) (13.0) (21.96) (170.0) (92.14) (22.2) (42.77) (42.3) (12.29) 23, , , , , ( ) (513.0) (539.1) 26.1 (4.84) 2, , , , , , , ( ) 35
38 () ( ) 2, , (11.2) (1.43) 1, , ( ) (1.0) 0.5 (1.5) (300.00) , , (0.8) (11.94) (0.4) (0.94) , ( ) (6.7) (140.4) (95.24) (10.7) (55.73) ( ) 1.8 (121.2) (101.50) 36
39 , , , , ,840 2, , , , , , , , , ( ) 37
40 1) (ALCO) 2) (Strategic Risk)
41 ( ) (Credit Risk) (On Balance Sheet) (Off Balance Sheet) (Check and Balance) (Risk-based authority) (Co-Sign) Risk Dashboard (Risk Indicators) Trigger Action Plan Trigger Point Risk Dashboard Portfolio Portfolio ( ) 39
42 (Stress Testing) (Check and Balance) (Risk-based authority) (Product Program) (Market Risk) (ALCO) Repricing Gap (Net Interest Income Sensitivity) (Liquidity Risk) 40
43 Liquidity Risk Dashboard Risk Indicator Trigger Point Risk Indicator Action Plan Trigger Point (Management Action Triggers) (Early Warning System) (Contingency Funding Plan) Liquidity Gap / (Liquidity Risk Limits) (Behavioural Scenarios) (Stress-Test Scenarios) 12 6 (Operational Risk) ( ) 41
44 2556 Operation Risk Dashboard Operation Risk Dashboard 2555 (Risk and Control Self Assessment : RCSA) (Key Risk Indicators: KRIs) (Risk Monitoring) (Risk Reporting) KRIs (Early Warning Signal) / (Incident and Loss Management : ILM) ( BCP) 3) Basel III ( ) 2,042 2,
45 (Self Assessment) 2555 ( ) ( ) 43
46 1. 3,000,000, ,000, ,000,000, ,000, (%) 1. Polaris Capital Investment Limited ( ) ( ) ( ) 4. 3/ ,788,205 ( ) ,213,070 ( )
47 ( ) 45
48 /
49 ( ) 47
50 (Business Continuity Plan)
51 IT Steering :.28/ (1) (2) (3) (4) (5) (6) ( ) 49
52 (7) (8) (1) (8) (Collective Decision) ) 2) 3) 4) ,930,000 50
53 , , , ,000 45, , , , , , ,000 95, , , , , , , , ,000 80,000-15, , ,000 80,000 1,920, ,000 2,930, , 9, ( ) 5 18,867, , , ,434, ( ) / 2556 ( ) / ( ) 4 17, , ( ) 51
54 5. : : : / : * 1/ /12-5/5 3/3 ** 7/7-7/7-12/12-12/12 5/5 8/12-8/12-12/ /5-10/12 8/10-1/1 12/12 12/ /12 12/ /12 12/ * ** 52
55 ( ) 53
56 R Retention ( ) Relationship ( ) Referral ( ) Recovery ( ) 12. (Call Center) (Compulsory Program) (Core Values) 14. (N1) Compliance Coordinator 54
57
58 ( )
59 2556 ( ) ( 5/ ) ( ) 57
60
61 2556 ( ) ( ) ( ) ( ) 59
62 ( ) ( )
63 2556 ( ) , , , , , , ,125 1,699, , ,236 1,697, , ,505,092 2,040,517 1,284,388 4,505,092 2,040,517 1,284, , , , ,478,477 19,613,226 19,561,749 20,113,519 17,920,789 18,383,516 99,286 96, ,252 99,668 96, ,613 21,577,763 19,709,828 19,678,001 20,213,187 18,017,463 18,501,129 (531,607) (506,475) (337,451) (1,605) (3,666) (4,162) 7.6 (720,829) (378,608) (253,687) (592,574) (319,320) (215,396) 7.7 (20,337) (13,634) - (20,337) (13,634) - 20,304,990 18,811,111 19,086,863 19,598,671 17,680,843 18,281, ,148 49,077 22,042 13,789 33,227 10, ,961 93,410 90, ,769 82,975 83, ,179 69,349 45,270 83,289 69,297 45, ,919 53,167 18,524 41,298 35,504 7, , , , ,853 82, ,781 26,136,038 23,513,195 21,822,051 25,902,460 22,862,334 21,529,670 ( ) 61
64 ( ) ( ) ,760,252 18,722,557 14,597,845 21,756,802 18,797,952 14,598, ,491,180 2,185,871 1,886,648 1,326,180 1,715,871 1,783,148 46,245 59,252 67,455 46,245 59,252 67, , ,500 3,339,104 14,500 34,500 3,290, ,687 51,875 41,199 16,183 37,537 28, , , , , , ,327 23,643,676 21,548,189 20,239,752 23,427,230 20,925,592 19,968, ,000, ,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000, ,000, ,000,000 3,000, ,000, ,500,000 2,500, ,000, ,000,000 2,000,000 3,035 1,850 (2,072) 3,035 1,850 (2,072) ,300 2,300 2,300 2,300 2,300 2,300 ( ) (512,971) (539,143) (417,927) (530,105) (567,408) (439,022) 2,492,364 1,965,007 1,582,301 2,475,230 1,936,742 1,561,206 (2) (1) (2) ,492,362 1,965,006 1,582,299 2,475,230 1,936,742 1,561,206 26,136,038 23,513,195 21,822,051 25,902,460 22,862,334 21,529,670 62
65 2556 ( ) ,194,860 1,954,479 1,762,620 1,595, , , , ,631 1,420,504 1,168,885 1,010, , ,761 89, ,630 66, ,867 34,120 28,785 22,971 91,894 55,112 77,845 43,995 ( ) 7.29 (1,116) 450 (1,116) ,000 21, ,856 67,618 22,767 21,333 1,655,138 1,292,065 1,127, , , , , ,765 5,852 6,690 5,762 6, , , , ,677 42,340 42,716 39,661 40, , ,195 69,789 64, , ,403 75,507 91,167 1,115, , , , , , , ,440 ( ) (6,702) (140,458) 4,001 (157,454) - ( ) ,496 19,244 11,532 29,068 ( ) 1,794 (121,214) 15,533 (128,386) ( ) 63
66 ( ) ( ) ( ) 1,481 4,903 1,481 4,903 30,472-27,212 - ( ) (6,390) (981) (5,738) (981) ( ) 25,563 3,922 22,955 3,922 ( ) 27,357 (117,292) 38,488 (124,464) ( ) 1,794 (121,216) 15,533 (128,386) ,794 (121,214) 15,533 (128,386) ( ) 27,357 (117,294) 38,488 (124,464) ,357 (117,292) 38,488 (124,464) ( ) ( ) 0.01 (0.59) 0.06 (0.63) ,753, ,644, ,753, ,644,809 64
67 2556 ( ) ( ) ( ) ,000,000 (2,590) 2,300 (435,933) 1,563,777 (2) 1,563, ,006 18,524-18, ,000,000 (2,072) 2,300 (417,927) 1,582,301 (2) 1,582, , , ,000 ( ) - 3,922 - (121,216) (117,294) 2 (117,292) (1) (1) ,500,000 1,850 2,300 (539,143) 1,965,007 (1) 1,965, ,500,000 2,313 2,300 (592,772) 1,911,841 (2) 1,911, (463) - 53,629 53, , ,500,000 1,850 2,300 (539,143) 1,965,007 (1) 1,965, , , ,000-1,185-26,172 27,357-27, (1) (1) ,000,000 3,035 2,300 (512,971) 2,492,364 (2) 2,492,362 ( ) 65
68 ( ) ( ) ( ) ( ) ,000,000 (2,590) 2,300 (445,920) 1,553, ,898 7, ,000,000 (2,072) 2,300 (439,022) 1,561, , ,000 ( ) - 3,922 - (128,386) (124,464) ,500,000 1,850 2,300 (567,408) 1,936, ,500,000 2,313 2,300 (603,375) 1,901, (463) - 35,967 35, ,500,000 1,850 2,300 (567,408) 1,936, , ,000-1,185-37,303 38, ,000,000 3,035 2,300 (530,105) 2,475,230 66
69 2556 ( ) ( ) (6,702) (140,458) 4,001 (157,454) ( ) ( ) 539, , , ,460 ( ) 1,116 (450) 1,116 (450) (44,458) (28,617) (44,458) (28,617) ( ) 136,514 74,219 4,564 (2,334) 35,703 33,834 31,741 30, , ,879 ( ) (75,993) (4,244) (28,621) 33, ,704 13,980 6,704 13,980 8,284 10,676 5,858 8,767 (1,420,504) (1,168,885) (1,010,022) (827,850) - - (18,000) (21,387) 2,194,410 1,576,562 1,750,683 1,612,224 (744,776) (747,070) (722,894) (727,644) ,387 5,808 4,623 5,808 4,623 (19,171) (25,939) (4,140) (2,511) 616,391 91, , ,406 ( ) 67
70 ( ) ( ) ( ) ( ) 1,362,062 (1,102,185) 1,361,873 (1,103,931) (2,047,656) 148,150 (2,209,453) 219,329 (32,592) (97,011) 43,494 (54,088) (48,252) 96,828 (27,854) 116,608 ( ) 3,037,695 4,124,712 2,958,850 4,199,707 (844,691) (142,777) (389,691) (67,277) (13,007) (8,203) (13,007) (8,203) (20,000) (3,224,603) (20,000) (3,256,019) (76,330) (4,328) (47,300) 30,681 ( ) 1,933,620 (117,420) 1,928, ,213 (6,588,947) (3,471,914) (6,588,947) (3,471,914) 4,169,195 2,749,755 4,169,195 2,749,755 (48,010) (40,498) (43,091) (33,157) (19,899) (12,472) (18,945) (12,472) (2,487,661) (774,803) (2,481,788) (767,495) - 555, (43,000) , , , ,000 (1) (2) ,999 1,011, , ,000 ( ) (54,042) 119,775 (53,228) 119, , , , , , , , ,196 68
71 2556 ( ) ( ) ( ) ( ) ( ) 69
72 ( ) ( ) ( ) ( ) / ( 2552) ( )
73 ( 2552) ( 2555) 7 ( 2555) 12 ( 2555) 17 ( 2555) 18 ( 2555) 19 ( 2555) 21 ( 2555) ( ) 71
74 24 ( 2555) 28 ( 2555) 31 ( 2555) 34 ( 2555) 36 ( 2555) 38 ( 2555) 2 ( 2555) 3 ( 2555) 5 ( 2555) 8 ( 2555)
75 ( ) ( ) 73
76 ( ) ( ) ( ) ( ) ( ) ( ) ( ) Settlement Date
77 ( ) 75
78 3.7 ( ) ( ) ( ) ( ) ( ) 76
79 (Projected Unit Credit Cost Method) ( ) 77
80 78 ( ) ( ) Option Pricing Model (Binomial)
81 ( ) 3.18 ( ) ( ) ( ) 3.19 ( ) 79
82 ( ) ,167 18,524 35,504 7,417 ( ) (463) 518 (463) ,629 18,006 35,967 6, ,623 29,068 35,623 29,068 ( ) ( ) ,629 35,967 ( ) (463) (463) (Credit Risk) (On Statement of Financial Position) 80
83 2556 (Check and Balance) (Risk-based authority) (Product Program) Repricing Gap (Net Interest Income Sensitivity) 12 ( ) 81
84 , , ,125 2,179,114 1,397, ,981 38,494-5,514 4,505,092 * 12,229,382 2,224,181 4,912, , ,652-20,946,870 16,403,011 4,212,267 1,144, ,760, ,810 84, , ,491, ,245 46,245 1,200 13, ,500 * ,438,658 21,433 5, ,845 1,699, , , ,376 20,000-4,033 2,040,517 * 11,390,445 2,171,448 4,879, , ,578-19,106,751 13,490,655 4,881, , ,722, , , , ,185, ,252 59, ,000 25,000 14, ,500 * 82
85 ,416 48,382 33, , , , ,932 16, (870) 1,284,388 * 12,794,902 1,896,346 4,130,225 17, ,185-19,224,298 11,576,178 1,965,300 1,056, ,597,845 1,557,648 15, , ,886, ,455 67,455 1,462,659 1,851,945 24, ,339,104 * , , ,236 2,179,114 1,397, ,981 38,494-5,514 4,505,092 * 12,450,117 2,012,892 4,165, , ,671-20,111,914 16,399,561 4,212,267 1,144, ,756, ,310 77, , ,326, ,245 46,245 1,200 13, ,500 * ( ) 83
86 ,439,330 21,433 5, ,095 1,697, , , ,376 20,000-4,033 2,040,517 * 11,205,787 1,875,460 4,207, , ,383-17,917,123 13,566,050 4,881, , ,797, , , , ,715, ,252 59,252 10,000 10,000 14, ,500 * ,592 48,382 33, , , , ,932 16, (870) 1,284,388 * 12,759,083 1,565,500 3,667,777 17, ,354-18,379,354 11,576,578 1,965,300 1,056, ,598,245 1,454,148 15, , ,783, ,455 67,455 1,414,074 1,851,945 24, ,290,519 * ,688,067 9,019,472 7,943,278 8,519,394 7,422,243 7,078,587 11,258,803 10,087,279 11,281,020 11,592,520 10,494,880 11,300,767 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354 84
87 (12 ) ( ) ( ) ( ) 1,604,051 54, ,228,423 92, ,548,578 2,048, ,874, , ,474,648 33, ,966 1, (12 ) ( ) ( ) ( ) 454,702 17, ,621,537 47, ,849,342 1,889, ,677, , ,631,218 49, ,248,663 45, ( ) 85
88 2556 (12 ) ( ) ( ) ( ) 1,604,051 54, ,228,423 92, ,497,206 1,616, ,874, , ,447,246 11, ,084 1, (12 ) ( ) ( ) ( ) 454,476 17, ,621,537 47, ,841,689 1,530, ,677, , ,536,240 31, ,172,672 46,
89 ,407 3, (37) 337,125-2,179,114 1,397, ,981 38,494 5,514 4,505,092 * 390,623 1,040,638 1,108,303 6,876,093 11,531,213-20,946,870 14,861,024 1,541,987 4,212,267 1,144, ,760, , ,500 84, , ,491,180 46, ,245-1,200 13, ,500 * ,435 1,439,236 21,433 5, ,699, , , ,874 20,000 4,033 2,040,517 * 281,363 2,295,790 2,708,923 4,524,429 9,296,246-19,106,751 12,977,806 3,657,656 1,828, , ,722, , , , , ,185,871 59, ,252 1, ,000 25,000 14, ,500 * ( ) 87
90 , ,030 34,905 67, , , ,932 16, (870) 1,284,388 * 437,105 1,482, ,247 7,060,863 9,511,157-19,224,298 3,690,007 7,218,745 2,564,615 1,124, ,597, ,253 1,080,395 15, , ,886,648 67, ,455 37,862 1,424,797 1,851,945 24, ,339,104 * ,518 3, (37) 335,236-2,179,114 1,397, ,981 38,494 5,514 4,505,092 * 387,346 1,264, ,015 6,031,690 11,531,213-20,111,914 14,857,573 1,541,988 4,212,267 1,144, ,756, ,310 7,000 77, , ,326,180 46, ,245-1,200 13, ,500 * 88
91 ,358 1,439,330 21,432 4, ,697, , , ,874 20,000 4,033 2,040,517 * 376,784 1,401, ,274 6,226,156 9,296,246-17,917,123 12,975,201 3,735,656 1,828, , ,797, ,305 90, , , ,715,871 59, ,252 1,000 9,000 10,000 14, ,500 * , ,030 34,904 67, , , ,762 16, (870) 1,284,388 * 433,243 1,607, ,904 6,241,454 9,511,157-18,379,354 8,327,048 3,249,530 1,965,300 1,056, ,598, , ,895 15, , ,783,148 67, ,455 37,862 1,376,212 1,851,945 24, ,290,519 * ( ) 89
92 , , , , , , , ,125 1,699,187 1,699, , ,002 4,505,092 4,505,092 2,040,517 2,040,517 1,284,388 1,284,388 20,315,490 20,315,490 18,811,111 18,811,111 19,086,863 19,086,863 21,760,252 21,760,252 18,722,557 18,722,557 14,597,845 14,597,845 1,491,180 1,491,180 2,185,871 2,185,871 1,886,648 1,886,648 46,245 46,245 59,252 59,252 67,455 67,455 14,500 14, , ,500 3,339,104 3,339, , , , , , , , ,236 1,697,109 1,697, , ,178 4,505,092 4,505,092 2,040,517 2,040,517 1,284,388 1,284,388 19,598,670 19,598,670 17,680,843 17,680,843 18,281,571 18,281,571 21,756,802 21,756,802 18,797,952 18,797,952 14,598,245 14,598,245 1,326,180 1,326,180 1,715,871 1,715,871 1,783,148 1,783,148 46,245 46,245 59,252 59,252 67,455 67,455 14,500 14,500 34,500 34,500 3,290,519 3,290, ( ) 3.4
93 (Basel II) Basel III Basel Committee on Banking Supervision (BCBS) Basel II Basel III Basel II Basel II 1 3,000,000 2,500,000 2,000,000 2,300 2,300 2,300 (586,678) (442,768) (502,824) 1 - (160,607) - (41,298) ,374,324 1,898,925 1,499, , ,053 81, , ,053 81,738 2,494,464 2,041,978 1,581,214 ( ) 91
94 Basel III Basel II Basel II ( 8.50) ( 4.50)
95 ( ) 93
96 ,481 4,903 1,481 4,903 19,438 22,499 19,438 22,499 2,675 1,213 2,675 1,213 1,893 8,610 1,893 8,610 2,292 7,330 2,292 7, ( ) , , , , , , , ,946 62,497-62, , ,034 35,121-35, , , ,753 3,753-35,342 35, , , ,407 3, ,160 1,283, ,342 1,698, , , , (37) (37) - (353) (353) - (1,029) (1,029) 333,407 3, ,125 1,283, ,752 1,699, , , , , , , , , , , ,946 60,608-60, , ,957 31,298-31, , , ,753 3,753-35,342 35, , , ,518 3, ,271 1,281, ,342 1,696, , , , (37) (37) - (353) (353) - (1,029) (1,029) 331,518 3, ,236 1,281, ,751 1,697, , , ,178 94
97 ,264,168 2,018,078 1,282, ,504 20,511-4,464,672 2,038,589 1,282,458 / / / 38, , ,720 1,720 1,720 1,720 1,720 1,720 4,505,092 2,040,517 1,284, ( 7.20) ( ) 95
98 ( ) ( ) ( ) , , , , , , , , , , , ,576 12,571,997 11,003,431 11,821,729 12,571,997 11,003,431 11,821, , , ,281 1,105, , ,781 8,287,320 7,939,830 6,825,746 6,194,662 6,067,394 5,508,266 19,823 36,836 45,164 19,823 36,836 45,164 21,478,477 19,613,226 19,561,749 20,113,519 17,920,789 18,383,516 (531,607) (506,475) (337,451) (1,605) (3,666) (4,162) 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354 99,286 96, ,252 99,668 96, ,613 21,046,156 19,203,353 19,340,550 20,211,582 18,013,797 18,496,967. (495,208) (242,340) (203,762) (388,231) (192,051) (178,377) (225,621) (136,268) (49,925) (204,343) (127,269) (37,019) 20,325,327 18,824,745 19,086,863 19,619,008 17,694,477 18,281,571 (20,337) (13,634) - (20,337) (13,634) - 20,304,990 18,811,111 19,086,863 19,598,671 17,680,843 18,281,
99 ,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354 * 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354 * ,869 2, ,686 2,484, ,094 14,414 32,006 31,683 2,728,153 1,177,390 68,608 2,622-22,821 1,271,441 1,153, ,675 2,197 5,574 47,974 1,334,691 5,029, ,707 75,283 68,830 64,613 5,618,498 8,657, , ,035 94,851 78,599 9,946,401 * 18,546,605 1,673, , , ,690 20,946,870 * , ,715 1,097,947 17,289 20,406-10,006 1,145, ,508 5,330 2,836 13,382 75, , ,208 21, , ,161 5,689, ,459 64,826 14,506 10,971 6,075,877 9,693, , ,825 48,241 24,563 10,515,674 * 17,680, , ,893 76, ,556 19,106,751 * ( ) 97
100 , ,400 1,071,640 23,957 3,410 17,075 8,614 1,124, ,439 75, , , , , , ,104 6,391, ,199 25,929 93,628 92,708 6,946,583 9,467, ,971 33,633 46,775 31,325 9,986,942 * 17,862, ,264 62, , ,735 19,224,298 * ,869 2, ,686 2,484, ,094 14,414 32,006 31,683 2,728,153 1,177,390 68,608 2,622-22,821 1,271,441 1,153, ,675 2,197 5,574 47,974 1,334,691 5,029, ,707 75,283 68,830 64,613 5,618,498 8,180, ,183 93,402 89,510 78,592 9,111,445 * 18,070,309 1,411, , , ,683 20,111,914 * , ,715 1,097,947 17,289 20,406-10,006 1,145, ,508 5,330 2,836 13,382 75, , ,208 21, , ,161 5,689, ,458 64,826 14,506 10,972 6,075,877 8,697, ,109 75,960 46,911 24,562 9,326,046 * 16,684, , ,028 74, ,556 17,917,123 * 98
101 , ,400 1,071,640 23,957 3,410 17,075 8,614 1,124, ,439 75, , , , , , ,104 6,391, ,199 25,929 93,628 92,708 6,946,583 8,765, ,387 18,380 46,211 31,311 9,141,997 * 17,161, ,681 47, , ,721 18,379,354 * (.) ( ) ,636,740 5,760, ,525 1,682, , , , , , , , , , , ,446 21,046,156 6,887, , ,621 * 720,829 * ( ) 99
102 ( ) ,769,467 5,447, , , , , , , ,420 76,129 34, , ,556 32, ,144 19,203,353 6,103, , ,268 * 378,608 * ( ) ,971,628 5,073, , , , ,559 62,972 30, , ,478 58, , ,735 59, ,007 19,340,550 5,498, , ,925 * 253,687 * 100
103 ( ) ,160,826 5,284, ,762 1,421, , , ,918 97, , , , , , , ,441 20,211,582 6,052, , ,343 * 592,574 * ( ) ,774,035 4,452, , , , , ,028 75, ,556 74,799 33, , ,556 32, ,144 18,013,797 4,913, , ,269 * 319,320 * ( ) 101
104 ( ) ,271,459 4,373, , , , ,007 47,719 15, , ,914 57, , ,721 58, ,992 18,496,967 4,655, , ,019 * 215,396 * / ( ) 726, , ,185 (%) ( ) 301, , ,715 (%)
105 ( ) 629, , ,354 (%) ( ) 301, , ,715 (%) ( ) ( ) ( ) 411 1,123, , ,318 74,446 20,946,870 69,250 19,106,751 53,731 19,224, ( ) ( ) ( ) 411 1,123, , ,318 26,240 20,111,914 27,403 17,917,123 23,375 18,379,354 ( ) 103
106 , , , ,393 93, ,471 40,010 56,830 22,083 25,561 2,974 46,534 88,946 87,616 25,586 1,101, , , ( ) ,999,918 5,307,225-8,307,143 (35,130) (496,477) - (531,607) 2,964,788 4,810,748-7,775,536 (335,897) 7,439,
107 ,432,431 5,544, ,976,666 (30,021) (476,366) - (506,387) 2,402,410 5,067, ,470,279 (165,111) 7,305, ,016,567 4,852,465 1,878 6,870,910 (20,735) (316,538) - (337,273) 1,995,832 4,535,927 1,878 6,533,637 (100,522) 6,433, ,675,939 3,538,546-6,214,485 (1,040) (566) - (1,606) 2,674,899 3,537,980-6,212,879 (207,642) 6,005,237 ( ) 105
108 ,166,035 3,938, ,104,230 (1,959) (1,620) - (3,579) 2,164,076 3,936, ,100,651 (105,823) 5,994, ,833,116 3,718,436 1,878 5,553,430 (2,065) (1,918) - (3,983) 1,831,051 3,716,518 1,878 5,549,447 (62,231) 5,487, ,479 9, ,420 34,765 32, , ,608 ( ) 3,299 5, , ,817 97,106 89, ,741 (253) (1,154) (132,909) (53,400) (9,804) - (197,520) 57,525 13, , , , , ,
109 ,732 5,559 30,350 58,114 59,007 49, ,687 ( ) 3,936 3, , , , , ,973 (185) - (26,336) (72,700) (64,170) - (163,391) (4) (13) (16,095) (67,503) (73,041) (47,005) (203,661) 54,479 9, ,420 34,765 32, , , ,277 5,650 47,875 36,699 30,514 16, ,407 ( ) 13,616 (91) 64,258 36,052 38,937 33, ,305 (161) - (81,783) (14,637) (10,444) - (107,025) 50,732 5,559 30,350 58,114 59,007 49, , ,523 6,393 75,556 33,435 32, , ,320 ( ) 8,492 3,522 21,871 81,549 97,086 77, ,594 (253) (1,153) (1,000) (4,145) (9,789) - (16,340) 52,762 8,762 96, , , , ,574 ( ) 107
110 ,731 3,007 15,098 57,549 58,992 37, ,396 ( ) 982 3,399 78,540 59,485 71, , ,136 (185) - (1,987) (16,097) (25,283) - (43,552) (5) (13) (16,095) (67,502) (73,041) (47,004) (203,660) 44,523 6,393 75,556 33,435 32, , , ,873 3,798 20,262 31,268 30,514 7, ,907 ( ) 12,019 (791) (2,949) 32,157 38,522 29, ,785 (161) - (2,215) (5,876) (10,044) - (18,296) 43,731 3,007 15,098 57,549 58,992 37, , , ,703 13, (346) - 20,337 13,
111 , ,749 89, ,161 (493,850) 32,825 94, ,161 (493,850) 37,574 (45,186) (181,576) 210,336 (16,426) 49, ,585 (283,514) 21, , ,749 25, ,149 (278,234) 89,514 30, ,149 (278,234) 94,263 (8,306) (155,133) 118,253 (45,186) 22, ,016 (159,981) 49,077 ( ) 109
112 , ,750 63, ,606 (205,101) 20,058 68, ,606 (205,101) 24,808 (35,076) (65,315) 89,372 (11,019) 33,227 96,291 (115,729) 13, , ,750 9, ,020 (54,932) 63,553 14, ,020 (54,932) 68,303 (3,487) (64,685) 33,096 (35,076) 10,728 44,335 (21,836) 33,
113 / 2556 / 31 1 / / 31 62,032 15,802-77,834 (18,905) (6,688) - (25,593) 52,241 95,532 14,706 (182) 110,056 (62,954) (11,706) 157 (74,503) 35,553 76,162 20,754-96,916 (58,973) (11,138) - (70,111) 26,805 1, ,688 (1,172) (154) - (1,326) (318) ,414 51,580 (500) 286,494 (142,004) (29,686) 157 (171,533) 114, ,686 ( ) 111
114 1 / 2555 / 31 1 / / 31 52,456 13,131 (3,555) 62,032 (14,595) (5,971) 1,661 (18,905) 43,127 76,915 20,932 (2,315) 95,532 (53,044) (10,639) 729 (62,954) 32,578 71,588 7,913 (3,339) 76,162 (51,674) (10,635) 3,336 (58,973) 17,189 1, ,688 (842) (330) - (1,172) 516 8,439 1,367 (9,806) ,996 43,433 (19,015) 235,414 (120,155) (27,575) 5,726 (142,004) 93, ,
115 / 2556 / 31 1 / / 31 62,032 15,802-77,834 (18,905) (6,688) - (25,593) 52,241 80,902 12,097 (180) 92,819 (57,731) (8,611) 152 (66,190) 26,629 74,605 18,762-93,367 (57,928) (10,540) - (68,468) 24, ,539 46,661 (180) 264,020 (134,564) (25,839) 152 (160,251) 103, ,839 ( ) 113
116 1 / 2555 / 31 1 / / 31 52,456 13,131 (3,555) 62,032 (14,595) (5,971) 1,661 (18,905) 43,127 67,273 15,467 (1,838) 80,902 (49,677) (8,406) 352 (57,731) 23,171 70,449 7,493 (3,337) 74,605 (50,981) (10,283) 3,336 (57,928) 16,677 8,439 - (8,439) ,617 36,091 (17,169) 217,539 (115,253) (24,660) 5,349 (134,564) 82, ,
117 ,121 10,820-76,941 32, ,621 18,415 14,193 (4,251) 28, ,157 25,013 (4,251) 137,919 (47,808) (5,932) - (53,740) (47,808) (5,932) - (53,740) 69,349 84, , ,814 10,779 (472) 66,121 32, ,621-26,939 (8,524) 18,415 88,435 37,718 (8,996) 117,157 (43,165) (4,643) - (47,808) (43,165) (4,643) - (47,808) 45,270 69, ,643 ( ) 115
118 ,069 9,865-75,934 32, ,621 18,414 14,193 (4,251) 28, ,104 24,058 (4,251) 136,911 (47,807) (5,815) - (53,622) (47,807) (5,815) - (53,622) 69,297 83, , ,814 10,727 (472) 66,069 32, ,621-26,939 (8,525) 18,414 88,435 37,666 (8,997) 117,104 (43,165) (4,642) - (47,807) (43,165) (4,642) - (47,807) 45,270 69, ,
119 ,348 62,666 27,836 50,727 45,003 16,729 (9,429) (9,499) (9,312) (9,429) (9,499) (9,312) ( ) 72,919 53,167 18,524 41,298 35,504 7, ( ) ,251 29,675-72,926 9,037 (5,752) - 3,285 10,375 1,658 (6,094) 5, ,666 25,581 (5,899) 82,348 (9,031) (8,439) (3) (29) - (32) (465) - (493) (958) (9,499) 563 (493) (9,429) ( ) 117
120 ( ) ,121 26,130-43,251 1,661 7,376-9, (281) - - 8,240 2,135-10, (530) 3 27,836 35,360 (530) 62,666 (9,297) (9,031) - (3) - (3) (15) - (450) (465) (9,312) 263 (450) (9,499) ( ) ,479 14,608-45,087 7,015 (4,811) - 2,204 7,507 1,172 (5,441) 3, ,003 10,969 (5,245) 50,727 (9,031) (8,439) (3) (29) - (32) (465) - (493) (958) (9,499) 563 (493) (9,429) 118
121 ( ) ,464 21,015-30, ,318-7, (281) - - 5,754 1,753-7, (531) 2 16,729 28,805 (531) 45,003 (9,297) (9,031) - (3) - (3) (15) - (450) (465) (9,312) 263 (450) (9,499) ,119 14,322 16,697 13,033 14,186 16,697 20,898 10,267 9,158 37,497 9,478 9,346 7,861 5, ,382 1, ,358 1,774 1,261 1,358 1,774 1,261 23,042 17,882 12,976 21,478 16,387 11,782 6,610 16, , ,337 33,882 27,606 13,547 11,295 7,878 2,138 72,833 33,555 40,575 41,810 30,773 37, , , , ,853 82, ,781 ( ) 119
122 ,279 70,031 34,225 46,829 67,426 34,341 14,810,745 12,907,776 8,292,423 14,810,745 12,907,776 8,292,707 6,899,228 5,744,750 6,271,197 6,899,228 5,822,750 6,271,197 21,760,252 18,722,557 14,597,845 21,756,802 18,797,952 14,598, ,760,252-21,760,252 18,722,557-18,722,557 14,597,845-14,597,845 21,760,252-21,760,252 18,722,557-18,722,557 14,597,845-14,597, ,756,802-21,756,802 18,797,952-18,797,952 14,598,245-14,598,245 21,756,802-21,756,802 18,797,952-18,797,952 14,598,245-14,598,
123 ( ) , , , , , , , , , ,503-22,500 22,500-22,500 22, , , ,203 70, , , , , , , , , ,870 1,491, ,305 1,706,566 2,185, ,253 1,409,395 1,886, , , , , , ,003-22,500 22,500-22,500 22, , , ,203 70, , , , , , , , , ,870 1,326, ,305 1,236,566 1,715, ,253 1,305,895 1,783, ,500-14, , ,500 3,339,104-3,339,104 14,500-14, , ,500 3,339,104-3,339, ( ) 121
124 ,500-14,500 34,500-34,500 3,290,519-3,290,519 14,500-14,500 34,500-34,500 3,290,519-3,290, ,875 41,199 34,652 37,537 28,770 23,910 7,451 9,178 5,423 5,431 7,765 4, ,498 1, , ( ) (30,472) - - (27,212) ,687 51,875 41,199 16,183 37,537 28, ,451 9,178 5,431 7, , ,002 8,284 10,676 5,858 8,
125 ( ) ( ) ,943 10,943 8,289 12,141 10,943 8,289 8,954 10,058 6,208 8,954 10,058 6,208 79, ,015 70,231 79, ,598 69,611 55,554 67,664 48,220 43,522 33,911 20,928 2,292 7,330 10,256 2,292 7,330 10, , , , ,372 98,793 66,873 5,976 5,377 5,962 5,456 4,795 5,607 3,343 2,754 2,376 3,343 2,754 2,376 11,304 9,671 24,679 2,349 2,298 10, , , , , , , ,000 3, /2555 2,000 2, ( ) 123
126 ,500 3, ,000, ,000,000 25,753,425 4,644, ,753, ,644, ( ) ,250,000 1,080, , ,250,676 1,080, , ,673 44,559 27, ,673 44,761 27,830-59, , ,636 59, , , , , , , , ,
127 , , , , ,000 1,000 1,000 5,373 5,331 5,483 5,373 5,331 5, ,614 31, , , , , , ,563 82,713 69,836 48,812 82,713 69,836 48, ,000 31, , , ,135 4, ,135 4, ( ) 125
128 ,068 7, ,148 14,194 10,148 14,194 1,425 1,667 1,425 1,667 21,465 21,129 17,233 17,265 4,907 4,907 4,907 4, ,000 21, ,357 14,522 4,874 2, ( 2552) ,560 45,027 70,938 34,014 2,216 3,521 1,786 2,620 83,776 48,548 72,724 36,
129 ( ) , , , , , , , ,590 25, ( ) , , , , , , , ,836 39,519 ( ) 127
130 ( ) , , , , , , , , ,951 17, ( ) , , , , , , , ,306 23,
131 ( ) , , , , , , , ,800 37, ( ) , , , , , , , , ,841 15,340 ( ) 129
132 ,189 17,219 54,189 17,217 92,394 47,670 92,394 47,670 1,066,221 1,011,097 1,083,288 1,018, , , , ,649 2,194,860 1,954,479 1,762,620 1,595, , , , ,517 33,960 49,373 11,927 31, ,148 87, ,148 87,812-1,030 45,968 1,030 46, , , , ,
133 ,226 42,883 83,226 42,883 35,549 30,287 9,119 7,751 14,259 15,714 13,556 15, ,761 89, ,630 66,966 ATM 11,284 10,430 11,032 10,146 12,181 8,733 4,353 3,010 18,402 14,957 13,400 9,815 41,867 34,120 28,785 22,971 91,894 55,112 77,845 43, ( ) ( ) ( ) (1,116) 450 (1,116) ( ) (316) (676) (316) (676) 539, , , ,136 6,704 13,980 6,704 13, , , , ,440 ( ) 131
134 ,982 16,780 14,518 14, ,646 16, ( ) (26,142) (35,623) (11,532) (29,068) ( ) (8,496) (19,244) (11,532) (29,068) ( ) ( ) 1, ,185 4, ,922 30,472 6,094 24, ,953 6,390 25,563 4, ,
135 ( ) ( ) 1, ,185 4, ,922 27,210 5,442 21, ,691 5,738 22,953 4, , ( ) ( ) (6,702) (140,458) 2, , ,536 7,549 (26,142) (35,623) ( ) (8,496) (127) (19,244) (14) ( ) ( ) ( ) 4,001 (157,454) (800) 20 36, (36,215) (11,532) (29,068) ( ) (11,532) (288) (29,068) (18) ( ) 133
136 Management Stock Option Program ( ) / / ( ) ,195 4,610 ( ) ,695 4,
137 2556 1,000,000,000 1,000,000, ,000, ,000,000,000 3,000,000, ,000, (02) 259/ / / ( ) 135
138 (. ) ( ) 1998/ ( 2 ) PLZ.2.SHP S , , , ( 2 ) 2 2S-C13A , ( ) ( ) 66/ ( ) 177, ( ), , ,
139 2556 ( - ) ( 2 Banking Zone) 2 2 C , ( 21) 36/11 G 21 ( ) ( ) , ( 4) 259/ , ( 3) 30/39-50, S-C 4B ( ) 17/17 8 GJA 001/ () 6 6 2CR ( ) 137
140 2 G04 G , , / , / , , / SS1 159/ / ,
141 2556 ( 50) ( ) ,650, ,000, ,000,000 5,650, ( ) 139
142 / / , , / , , , / / , , , / / / / /
143
144
Gjenopprettingsplan DNBs erfaringer. Roar Hoff Leder av Konsern-ICAAP og Gjenopprettingsplan Oslo, 7. desember 2017
Gjenopprettingsplan DNBs erfaringer Roar Hoff Leder av Konsern-ICAAP og Gjenopprettingsplan Oslo, 7. desember 2017 Lik konkurranse krever full harmonisering av systemet Like definisjoner Konsistent bruk
Asset Management. Compliance og Operasjonell Risiko. Asle Bistrup Eide. Presentasjon i VFF den 28. november 2012
Asset Management Compliance og Operasjonell Risiko Presentasjon i VFF den 28. november 2012 Asle Bistrup Eide A global manager with companies in Oslo, Stockholm, Bergen, Luxembourg, Chennai and Hong Kong
Netfonds Holding ASA - consolidated Quarterly Accounts (Delårsregnskaper)
Netfonds Holding ASA - consolidated Net interest (Netto renteinntekt) 13,9 8,8 15,0 9,2 20,2 0,0 0,0 0,0 0,0 0,0 24,3 36,6 51,2 14,5 29,6 14,2 21,5 30,1 7,8 14,9 0,1 0,2 0,2 0,1 0,2 Salaries etc (Lønninger
Accounts. International Democrat Union
Accounts International Democrat Union 2011 Income statement NOTE OPERATING INCOME AND OPERATING EXPENSES 2011 2010 Membership subscriptions 2 424 179 2 450 015 Total operating income 2 424 179 2 450 015
NHH, 21. april, 2017 Professor Øystein Thøgersen
Finansiell økonomi (FIE) NHH, 21. april, 2017 Professor Øystein Thøgersen FIE: Introduksjon FIE den mest populære av NHHs masterprofiler - Ca. 35% av masterstudentene Mulige årsaker - Interessant og spennende!
PAS 55 kvalitetsstandard for anleggsforvaltning i infrastrukturselskaper. Elsikkerhetskonferansen 2013 NEK
PAS 55 kvalitetsstandard for anleggsforvaltning i infrastrukturselskaper Elsikkerhetskonferansen 2013 NEK Hvorfor? Ambisjon: Statnetts anleggsforvaltning skal reflektere god praksis iht. PAS 55 Økt presisjon
Oslo Børs størst i verden på fisk og sjømat, et hav av muligheter
Oslo Børs størst i verden på fisk og sjømat, et hav av muligheter Hordaland på Børs - Bente A. Landsnes, 22. august 2013 2 21 selskaper i Hordaland er på børs 3 Finansmarkedene i endring Finanskrise kapitaltørke,
FINANCE & CSR. Capital Markets Day. Michael Tønnes Jørgensen Executive Vice President & CFO. Copenhagen, Denmark 1 June 2012
FINANCE & CSR Capital Markets Day Michael Tønnes Jørgensen Executive Vice President & CFO Copenhagen, Denmark 1 June 212 NORDEN Finance & CSR 1 AGENDA Financials Risk management Corporate Social Responsibility
KPMG-dagen 2018 Nye IFRS- Standarder
KPMG-dagen 2018 Nye IFRS- Standarder Vedlegg til regnskapsdelen Øivind Sivertsen Sissel Riise To nye standarder er innført i 2018 I. IFRS 15 Revenue from Contracts with Customers - Erstattet IAS 11 og
Netfonds Holding ASA - consolidated Quarterly Accounts (Delårsregnskaper)
Netfonds Holding ASA - consolidated Net interest (Netto renteinntekt) 8.8 15.0 9.2 20.2 35.6 0.0 0.0 0.0 0.0 0.0 36.6 51.2 14.5 29.6 42.9 21.5 30.1 7.8 14.9 22.0 0.2 0.2 0.1 0.2 0.3 Salaries etc (Lønninger
Risikokultur grunnmuren i risikostyring
Risikokultur grunnmuren i risikostyring Finans Norge Operasjonell risiko den vanskelige risikoen? 5. september 2017 Stian A. Ruud-Larsen Risk Manager operasjonell risiko Verden ble i 2001 påminnet hvor
Netfonds Holding ASA - consolidated Quarterly Accounts (Delårsregnskaper)
Netfonds Holding ASA - consolidated Net interest (Netto renteinntekt) 5,3 13,9 8,8 15,0 9,2 0,0 0,0 0,0 0,0 0,0 13,3 24,3 36,6 51,2 14,5 7,2 14,2 21,5 30,1 7,8 0,0 0,1 0,2 0,2 0,1 Salaries etc (Lønninger
Innstilling fra valgkomiteen i Data Respons ASA til den ordinære generalforsamlingen den 16. april 2015.
Innstilling fra valgkomiteen i Data Respons ASA til den ordinære generalforsamlingen den 16. april 2015. Innledning Valgkomiteen i Data Respons ASA består av Haakon Sæter (leder), og Andreas Berdal Lorentzen.
Risikohåndtering i bank og forsikring
Risikohåndtering i bank og forsikring SAS Forum 25.05.11 Tore Moe Copyright 2010 SAS Institute Inc. All rights reserved. Risikohåndtering i bank og forsikring; tematikk som berøres. Hvorfor er det viktig
Resultat av teknisk regnskap
RESULTATREGNSKAP 01.01-30.09.2018 2018 2017 2017 (Beløp i NOK 1000) 30.09.2018 30.09.2017 31.12.2017 TEKNISK REGNSKAP FOR SKADEFORSIKRING Premieinntekter mv. Opptjente bruttopremier 913 471 916 136 1 223
Oslo, 9. juni 2011 Eirik Bunæs
Oslo, 9. juni 2011 Eirik Bunæs Verdipapirseminar våren 2011 Foreløpig erfaring med den nye europeiske tilsynsstrukturen og enkelte andre tilpasninger European Securities and Markets Authority ( ESMA, tidligere
Note 39 - Investments in owner interests
Note 39 - Investments in owner interests Subsidiaries, associates, joint ventures and companies held for sale. Company Company number Registered fice Stake in per cent Investment in significant subsidiaries
FARA ASA REPORT Q1 2009
FARA ASA REPORT Q1 2009 HIGHLIGHTS FARA oppnår et positivt EBITDA i Q1 2009 En sterk ordreinngang på MNOK 45 i Q1 2009 Ordrereserven økt til MNOK 104 (94 i Q4 2008) + 11% Omsetning Q1, 2009 er MNOK 35,0
Øystein Stephansen Senior analyst 8th November 2011
Harvesting liquidity premia and the Government Pension Fund Global Øystein Stephansen Senior analyst 8th November 2011 Harvesting liquidity premia Liquidity premia Liquidity and GPFG Ability to invest
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN 2. april 2012 Porteføljeforvalter Torgeir Høien Balansekunst Siden 2008 har balansene til Federal Reserve (Fed), den europeiske sentralbanken (ECB) og
(see table on right) 1,500,001 to 3,000, ,001pa to 250,000pa
UNDERWRITING LIMITS The following tables show our financial and medical underwriting limits effective from 07 July 2017. FINANCIAL LIMITS Protection Financial evidence requirements Additional financial
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN 4. Juli 2012 Porteføljeforvalter Torgeir Høien Sakte mot ordentlig fiskal union, forventet at ECB agerer På EU sitt toppmøte i slutten av juni ble lederne
Rådgivning om finansielle produkter noen utviklingstrekk
Rådgivning om finansielle produkter noen utviklingstrekk Britt Hjellegjerde Seksjonssjef Kredittilsynet Bransjeseminar i regi av Norges Fondsmeglerforbund 4. juni 2009 1 Tema som vil bli berørt: 1. Kort
EDISON FULL YEAR 2005 RESULTS. Milan, February 21 st 2006
EDISON FULL YEAR 25 RESULTS Milan, February 21 st 26 1 AGENDA Business environment Full year 25 results : Consolidated financial highlights Core business operating performance Capital expenditures Debt
EPS up 43% since 2016 DPS more than quadrupled in the same period.
115 27 244 95 97 22 171 197 17 75 129 55 46 62 57 12 7 35 4 2-3 214 215 216 217 218 15-5 1Q18 2Q18 3Q18 4Q18 1Q19-8 -13-74 EPS last quarter of NOK 1.6 (1.1) MNOK 42in dividend from Eika, will be booked
NORDIC HOSPITALITY AS
tall i tusen 7,3410 7,3410 Konsern Konsern Group Group BALANSE pr. 31. Desember 2012 2011 2012 2011 BALANCE SHEET EIENDELER ASSETS Anleggsmidler Fixed Assets: Immaterielle eiendeler Intangible assets Franchiseavtale
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN
Kunsten å bruke sunn fornuft Verden sett fra SKAGEN 14. mai 2012 Porteføljeforvalter Torgeir Høien Revolt mot sparepakkene Med en nedgang i BNP i de fleste medlemslandene, synkende aktivitetsindikatorer
(see table on right) 1,500,001 to 3,000, ,001pa to 250,000pa
UNDERWRITING LIMITS The following tables show our financial and medical underwriting limits effective from 11 April 2016. FINANCIAL LIMITS Protection Financial evidence requirements Additional financial
Prisliste verdipapirfond i Danske Bank
Prisliste verdipapirfond i Danske Bank Forklaringer: Løpende kostnad: Kostnad i hovedsak knyttet til forvaltning av fondet. Belastes daglig og er inkludert i fondets kurs (NAV) Returprovisjon: Løpende
Prisliste verdipapirfond i Danske Bank
Prisliste verdipapirfond i Danske Bank Forklaringer: kostnad: Kostnad i hovedsak knyttet til forvaltning av fondet. Belastes daglig og er inkludert i fondets kurs (NAV) Returprovisjon: årlig honorar banken
Marin Prosjektering. IMT linjevalg 2012
1 Marin Prosjektering IMT linjevalg 2012 2 Marin prosjektering er å; Skape morgendagens marine systemer, og Forbedre dagens marine systemer. 3 Sentrale ferdigheter Analysere 4 Prosjektere marine systemer
Q2 Results July 17, Hans Stråberg President and CEO. Fredrik Rystedt CFO
Q2 Results 2007 July 17, 2007 Hans Stråberg President and CEO Fredrik Rystedt CFO Q2 Highlights EBIT (SEKb) EBIT margin (%) 2.5 2 1.5 1 0.5 0 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 8% 7% 6% 5% 4% 3% 2% 1% 0% Group
Etter selskapets ordinære generalforsamling den 24. mai 2017 består styret av følgende aksjonærvalgte styremedlemmer:
Valgkomiteens innstilling til ordinær generalforsamling i Insr Insurance Group ASA den 23. mai 2018 Med utgangspunkt i valgkomiteens mandat og instruks legger komiteen frem følgende forslag for beslutning
DNB Health Care Helsesektoren En investors drøm. Bergen 23.oktober 2017 Knut Bakkemyr, forvalter
DNB Health Care Helsesektoren En investors drøm Bergen 23.oktober 2017 Knut Bakkemyr, forvalter Helseindustrien er global, regulert og diversifisert Farmasi og biotek Konsumhelseprodukter Helse IT Generiske
Noen refleksjoner og tips etter (nesten) 20 års erfaring med Kina. 7.desember, 2017 Grethe Bergsland, Innovasjon Norge
Noen refleksjoner og tips etter (nesten) 20 års erfaring med Kina 7.desember, 2017 Grethe Bergsland, Innovasjon Norge Grethe Bergsland Innovation Norway: Spain (2017-) Office director and responsible for
Strategi med kunden i fokus
Strategi med kunden i fokus 4. November 2016 Trond Winther, Head of Department SAFER, SMARTER, GREENER Innhold 1 Bakgrunn og utfordring 2 Strategi 3 Læringer 2 Our vision: global impact for a safe and
Antall treff: 113 [1] 2 3 4 5 26.05.2009 15:52:07 OB,A... RXT Mandatory notifications of trade MELDEPLIKTIG HANDEL 26.05.2009 14:34:07 OB,A... RXT Mandatory notifications of trade MELDEPLIKTIG HANDEL 25.05.2009
QUT INTERNATIONAL COLLEGE
QUT HANDBOOK 2011 - Page 2750 University Diploma in Business (BS40) Course duration (full-time): Domestic fees (indicative): International Fees (indicative): International Entry: Total credit points: Standard
Marsh Loss and Tidal Habitat Degradation
Marsh Loss and Tidal Habitat Degradation Alternative 2: New Ocean Inlet Data: PWA Alternative 3: Highway 1 Sill Data: PWA Alternative 4: Parsons Slough Data: PWA Alternative 2 Detailed Cost Subtotal: $69,600,000
Lean markedsutvikling en raskere og tryggere vei til internasjonal vekst
Lean markedsutvikling en raskere og tryggere vei til internasjonal vekst Urmas Lepik Region Europa Innovasjon Norge www.innovasjonnorge.no Norway: a small open economy Too fast or too slow? In the front
Strengthening the resilience of the banking sector av desember 2009 side 60-65. 29. mars 2010. Accounting balance sheet value
QIS-skjemaer relatert til uvektet egenkapitalandel (Leverage Ratio) 16. mars 2010 Christian Myrdahl Bakgrunn Overdreven gjeldsoppbyggning (på og utenom balansen) forut for finanskrisen. Mange banker viste
Sektor Portefølje III
Sektor Portefølje III Kvartalsrapport 2 kvartal 2014 - et selskap i Sektor Portefølje III konsern Resultat 2. kvartal 2014 Sektor Portefølje III AS har som formål å utvikle, eie og forvalte fast eiendom,
HAR VI REGULERT OSS BORT FRA BANKKRISER? SAMFUNNSØKONOMENE 5. JUNI 2018 ARILD J. LUND NORGES BANK
HAR VI REGULERT OSS BORT FRA BANKKRISER? SAMFUNNSØKONOMENE 5. JUNI 2018 ARILD J. LUND NORGES BANK Innhold 1. Bakgrunn 2. Regulering 3. Krisehåndtering 4. Tilsyn 5. Hva er oppnådd? 2 1. Bakgrunn 3 4 BNP
CTGA Meeting February 2, 2012
CTGA Meeting February 2, 2012 Outline Product Family Machine Issues Emission Standards Future Developments Product Family Commander Johnson Star I-Star Vine Diverter Commander 2002 Heavy Duty Wheel Motors
STYRETS BERETNING FOR 1. KVARTAL 2016
KVARTALSRAPPORT Q1 2016 QUARTERLY REPORT Q1 2016 STYRETS BERETNING FOR 1. KVARTAL 2016 Statkraft Forsikring AS er et egenforsikringsselskap eiet av Statkraft AS. Selskapet har forretningsadresse i Oslo
Offshore Wind Turbine Support Structures. Erfaringer med å søke EU finansiering
Offshore Wind Turbine Support Structures Erfaringer med å søke EU finansiering 1 Agenda 5 Steps to EU-funding Introduksjon Ø Steg 1: Big picture Ø Steg 2: Nåsituasjonen Ø Steg 3: Finansieringsalternativer
Kontinuitetsplanlegging teori og praksis. Arve Sandve Scandpower AS ESRA,
Kontinuitetsplanlegging teori og praksis Arve Sandve Scandpower AS ESRA, 25.10.2012 Scandpowers tjenester Risk based management Risk management software Risk analysis Core Services Human factors And Work
Stop trying to time the market! Invest in a P/E based strategy
Pramerica Power Goals : Details as on 1 st September 2014 This information/disclosure is made at the discretion of Pramerica Asset Managers Private Limited ( the AMC ) and is for information purpose only.
Model Description. Portfolio Performance
Model Description Market timing results from 2000 to 2019 are based on our Market Allocation Algorithm holding the top two (2) ranked assets each month. Risk control is added to keep asset(s) in cash if
1. Create global trusted brand awareness.
Vision T Team Òà íò ҹ໚¹ ÕÁ áåðàòçð¼ùœ¹íò F Focus I Integrity Initiative Information Inspiration D Diligent Mission 1. Create global trusted brand awareness. 3. Develop employees skill and competencies
Company presentation: denkstatt Group
Company presentation: Group Titel Vorname Nachname GmbH Hietzinger Hauptstraße 28 A-1130 Wien Austria T (+43)1 786 89 00 F (+43)1 786 89 00-15 E office@.at W www..at Our philosophy We shape sustainable
DNB Health Care. Helsesektoren En investors drøm. September Knut Bakkemyr (Forvalter, DNB Health Care)
DNB Health Care Helsesektoren En investors drøm September 2017 Knut Bakkemyr (Forvalter, DNB Health Care) Helse en investors drøm konsistent høyere avkastning enn markedet 10.9 % årlig avkastning 7.7 %
Resultatregnskap / Income statement
Resultatregnskap / Income statement 1.10.-31.12. 1.10.-31.12. 1.1.-31.12. 1.1.-31.12. 2000 2001 2001 2000 Beløp i mill kroner / Amounts in NOK million 2 328 2 077 Driftsinntekter / Operating revenues 7
Status august Prosjekt koordinator Marianne Holmesland Lister fyrtårn Velferdsteknologi og telemedisin
Status august 2016 Prosjekt koordinator Marianne Holmesland Lister fyrtårn Velferdsteknologi og telemedisin 22/08/2016 This project has been co-funded by the Erasmus+ Programme of the European Union, Key
UiA. 1100 employees 10000 Students. Frank!
UiA 1100 employees 10000 Students Frank! Health and Sport Sciences Humanities and Education Fine Arts Engineering and Science Economics and Social Sciences Teacher Education Unit http://www.uia.no/nyheter/ny-kraftig-vekst-i-soekningen-til-uia
Erfaringer fra en Prosjektleder som fikk «overflow»
Erfaringer fra en Prosjektleder som fikk «overflow» Per Franzén, Project Manager August 30 th, 2017 ERFARINGER FRA EN PROSJEKTLEDER SOM FIKK «OVERFLOW» AV GDPR BEGREPER OG INSTRUKSER Purpose limitation
Erfa møte Arendal
Erfa møte Arendal 14.12.2015 Anne-Grete Ellingsen CEO GCE NODE Value Creation in the GCE NODE Industrial classification of the Node Members. The relative size of each segment is weighted to the total value
Oslo, 1. desember 2010 Eirik Bunæs
Oslo, 1. desember 2010 Eirik Bunæs Verdipapirseminar høsten 2010 Den nye europeiske tilsynsstrukturen og enkelte andre tilpasninger Den nye tilsynsstrukturen i EU: Skal virke fra 1. januar 2011 Bakgrunn
Morgenrapport Norge: Teknologihandelskrig
21 May 2019 Morgenrapport Norge: Teknologihandelskrig Erik Johannes Bruce Nick Pausgaard Fisker Teknologihandelskrigen preger markedet Boligmarkedet i USA merker lavere fastrenter Brukbart nivå på boligbyggingen
www.olympic.no Q1 REPORT 2014 BEST OPERATING PRACTICES
www.olympic.no Q1 REPORT 2014 BEST OPERATING PRACTICES Olympic Ship AS hadde i første kvartal 2014 driftsinntekter på NOK 294 m, et driftsresultat før avskrivninger (EBITDA) på NOK 139 m og et resultat
Rapporterer norske selskaper integrert?
Advisory DnR Rapporterer norske selskaper integrert? Hvordan ligger norske selskaper an? Integrert rapportering er å synliggjøre bedre hvordan virksomheten skaper verdi 3 Norske selskaper har en lang vei
Valgkomiteens innstilling
Valgkomiteens innstilling 8. mars 2013 Valgkomiteen ble valgt og trådte i funksjon like etter ekstraordinær generalforsamling 10. januar 2013. Komiteen har hatt fire ordinære møter. Komiteens beslutninger
C L O U D S E C U R I T Y A L L I A N C E
C L O U D S E C U R I T Y A L L I A N C E Fremme av god praksis for å sikre skytjenester, og gi opplæring i bruk av skytjenester for å sikre alle andre former for databehandling. www.cloudsecurityalliance.no
Jeanette Wheeler, C-TAGME University of Missouri-Kansas City Saint Luke s Mid America Heart Institute
Jeanette Wheeler, C-TAGME University of Missouri-Kansas City Saint Luke s Mid America Heart Institute I have no disclosures Objectives: Assessing yourself in a new way Setting competencies for program
What s new? Unchanged. Old model: Eksportfinans. New model: Export Credit Norway. Legal set-up. Ownership 85% banks 15% government 100% government
What s new? Legal set-up Old model: Eksportfinans Limited liability company, financial institution New model: Export Credit Norway Limited liability company created by special law Ownership 85% banks 15%
Markedsperspektiver - Sett i lys av Finanskrisen. Presentasjon ved UMB 03.12.2008 Hans Aasnæs
Markedsperspektiver - Sett i lys av Finanskrisen Presentasjon ved UMB 03.12.2008 Hans Aasnæs Agenda Finanskrisen hvor startet det? Markedsutvikling 2008 Utvikling i realøkonomien sett i lys av finanskrisen
Rapport for 2. kvartal 2016
Rapport for 2. kvartal 2016 Rapport for 2. kvartal 2016 Folkefinans er et finansieringskonsern i Norden og Baltikum for hverdagsnære finansielle tjenester. Folkefinans tilbyr kortsiktige- og lengre fleksible
ODIN kombinasjonsfond. Fondskommentar september 2015
ODIN kombinasjonsfond Fondskommentar september 2015 ODIN kombinasjonsfond - september 2015 Avkastning siste måned og hittil i år ODIN Konservativ Fondet leverte siste måned en avkastning på -0,5 prosent.
Bakgrunnen for kravet om gjenopprettingsplaner
Bakgrunnen for kravet om gjenopprettingsplaner Fagseminar om gjenopprettingsplaner, 7. desember 2017 Are Jansrud, Finans Norge De tre pilarene i fremtidens bankregulering Soliditet og finansiell stabilitet
Quarterly report. 1st quarter 2012
Quarterly report 1st quarter 2012 Group The Group s operating revenues in Q1 2012 were MNOK 145.0 compared to MNOK 155.2 last year. EBITDA was MNOK 6.1 compared to MNOK 2.4 last year. EBIT was MNOK 2.9
Overgang til IFRS / Transition to International Financial Reporting Standards (IFRS)
Overgang til / Transition to International Financial Reporting Standards () Transition to International Financial Standards () NextGenTel Side/Page 1 Overgang til International Financial Reporting Standards
Få en bedre risikoforståelse på 20 minutter
Få en bedre risikoforståelse på 20 minutter Hva er helhetlig risikostyring? 1 - H 2 Husk: Risikoen er der hvorfor ikke styre den? 3 Hva er helhetlig risikostyring? Strategi og mål - Visjon og verdigrunnlag
Project manager of the MSG6-model (Leading computable general equilibrium model of the Norwegian economy).
Curriculum vitae Geir H M Bjertnæs Statistics Norway Akersveien 26 0177 Oslo Pb. 8131 Dep. 0033 Oslo Telephone: 40902511 Telephone, private: 92049443 e-mail: ghb@ssb.no Date of birth: 28. Aug 1971 Nationality:
Pilar III. Pilar III. Disclosure of Financial Information
Pilar III Disclosure of Financial Information 2017 1 1 INTRODUCTION 3 2 CAPITAL REQUIREMENTS 4 2.1 COMMON EQUITY TIER 1 (CET 1) 4 3 RISK ANALYSIS 5 3.1 CREDIT RISK 5 3.1.1 CREDIT RISK AND SEGMENTS 5 3.1.2
Rapport for 1. kvartal 2017
Rapport for 1. kvartal 2017 Rapport for 1. kvartal 2017 Folkefinans AS og dets filialer tilbyr enkle hverdagslige finansielle tjenester i Norge og Sverige til faste priser og for kundene tydelige vilkår.
Rapport for 3. kvartal 2016
Rapport for 3. kvartal 2016 Rapport for 3. kvartal 2016 Folkefinans er et finansieringskonsern i Norden og Baltikum for hverdagsnære finansielle tjenester. Folkefinans tilbyr kortsiktige- og lengre fleksible
Report for the 2 nd quarter of 2009
Report for the 2 nd quarter of 2009 Oslo, 09. juli, 2009 Andre kvartal 2009 ble nok ett sterkt kvartal for Visma. Både omsetning og resultat ble forbedret, målt mot samme kvartal i fjor. EBITDA ble på
Partner. Managing Director. Investeringer. Managing Director. Private equity. Managing Director / CEO CEO. Tekniske konsulentoppdrag
Partner Generell rådgivning om prosjektering, bygging og finansielle prosjekter Investeringer Private equity / CEO Sjefsbyingeniør / administrerende direktør for offentlig eiendom, offentlige arbeider
Forvaltningsprosess og markedssyn. Seniorstrateg Christian Lie Danske Bank Wealth Management
Forvaltningsprosess og markedssyn Seniorstrateg Christian Lie Danske Bank Wealth Management Strategic asset allocation forum Credit bond competencies Danske Capital Senior management Asset allocation competencies
UNIVERSITETET I OSLO ØKONOMISK INSTITUTT
Øvelsesoppgave i: ECON30 Dato for utlevering: Tirsdag 27.09.20 Dato for innlevering: Onsdag 2.0.20 UNIVERSITETET I OSLO ØKONOMISK INSTITUTT Innleveringssted: Ved siden av SV-info-senter mellom kl. 0.00
Professional experience Economist, Research Dept., Unit for Macroeconomics, Statistics Norway. 2002 -
Curriculum Vitae Personal information Name: Andreas Benedictow Address work: Unit for Macroeconomics, Research department Statistics Norway Kongens gate 6, PB 8131 Dep. 0033 Oslo Phone: 40902482 e-mail:
En praktisk anvendelse av ITIL rammeverket
NIRF 17. april 2012 En praktisk anvendelse av ITIL rammeverket Haakon Faanes, CIA,CISA, CISM Internrevisjonen NAV NAVs ITIL-tilnærming - SMILI NAV, 18.04.2012 Side 2 Styring av tjenestenivå Prosessen omfatter
Norwegian s erfaringer med dagens rutetilbud på Vigra, og nye muligheter i fremtiden. Lars Sande Sales direktør lars@norwegian.no
Norwegian s erfaringer med dagens rutetilbud på Vigra, og nye muligheter i fremtiden. Lars Sande Sales direktør lars@norwegian.no Inntektsøkning på 2,3 mrd i 2012 + 22 % 12 000 10 000 8 000 Domestic Revenue
NORMAN ASA. 1. halvår 2003 / 1 st half 2003
NORMAN ASA 1. halvår 2003 / 1 st half 2003 Lysaker, 10. juli 2003 / 10 th July 2003 Norman med god lønnsomhet i et utfordrende marked Norman ASA hadde driftsinntekter på NOK 120,5 millioner i første halvår,
Q3 Results October 22, Hans Stråberg President and CEO. Fredrik Rystedt CFO
Q3 Results 2007 October 22, 2007 Hans Stråberg President and CEO Fredrik Rystedt CFO Q3 Highlights EBIT (SEKb) EBIT margin (%) 2,5 8% 7% 2 6% 1,5 5% 4% 1 3% 0,5 2% 1% 0 0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
CSR i Norden hvor er vi, og hvor går vi?
CSR i Norden hvor er vi, og hvor går vi? Maria Gjølberg Seniorrådgiver, Det Norske Veritas DNV Sustainability Risk Management Sustainability Strategy and Governance Sustainability in Corporate Governance
Når beste praksis rammeverk bidrar til bedre governance. Ingar Brauti, RC Fornebu Consulting AS
Når beste praksis rammeverk bidrar til bedre governance Ingar Brauti, RC Fornebu Consulting AS :. er når man har en tilpasset egen bruk Et riktig modenhetsnivå! IT Governance Institute's definisjon er:
Commercial Banks in Bulgaria
SEPTEMBER 2002 QUARTERLY BULLETIN Commercial Banks in Bulgaria Bulgarian National Bank, 2002 ISSN 1311 4824 This issue includes materials and data received up to 5 November 2002. The contents of Commercial
NOKUTs erfaringer med utdanningsdokumentasjon fra Storbritannia. Jarmila B. Moan, rådgiver NOKUT - Avdeling for utenlandsk utdanning
NOKUTs erfaringer med utdanningsdokumentasjon fra Storbritannia Jarmila B. Moan, rådgiver NOKUT - Avdeling for utenlandsk utdanning Generelle trekk Storbritannia som NOKUTs «søkerland»: 2011 foreløpig
Fremme av god praksis for å sikre skytjenester, og gi opplæring i bruk av skytjenester for å sikre alle andre former for databehandling. www.cloudsecurityalliance.no C L O U D S E C U R I T Y A L L I A
Årsrapport // Annual Report
Den Norske Krigsforsikring for Skib // Gjensidig Forening // The Norwegian Shipowners Mutual War Risks Insurance Association Årsrapport // Annual Report 74th Financial Year The annual report of The Norwegian
Boligboble fortsatt lave renter? Trondheim 7. mars 2013
Boligboble fortsatt lave renter? Trondheim. mars 201 Hvorfor diskuterer vi en boligboble i Norge? 9 9 % å/ å % 8 8 Boligrente > >
Styring og ledelse av informasjonssikkerhet
Styring og ledelse av informasjonssikkerhet SUHS-konferansen 30. oktober 2013 Øivind Høiem, CISA CRISC Seniorrådgiver UNINETT AS Mål for styring informasjonssikkerhet Målene for styring av informasjonssikkerhet
Indikatorer: Early warning og krise
Indikatorer: Early warning og krise Fagseminar om gjenopprettingsplaner, 7. desember 2017 Are Jansrud, Finans Norge Styring av planen («governance») Kommunikasjon og offentliggjøring Krav til planens innhold
(2.5.06) Resultat, balanse og kapitalforhold for Q (Tall for 2005 i parentes)
(2.5.06) Resultat, balanse og kapitalforhold for Q1 2006 (Tall for 2005 i parentes) Q1 2006 Omsetningsvekst på 73 % Driftsinntektene i Q1 utgjorde MNOK 39,7 (23). EBITDA ble i Q1 MNOK 2,1 (-1). Resultatet
God praksis på personalutvikling i TTO/KA. Presentasjon FORNY Seminar Sommaroy
God praksis på personalutvikling i TTO/KA Presentasjon FORNY Seminar Sommaroy 18.04.2007 Agenda Generelle betraktninger om US vs. NO mht. TTO s Eksempel på bevissthet rundt kompetanse hos TTO/KA personell
Hva hindrer akselerert fornybarutbygging i u-land? 9. Januar 2017
Hva hindrer akselerert fornybarutbygging i u-land? 9. Januar 2017 Om Norfund Hindringer for fornybarutbygging i utviklingsland? 1. Kompetente selskaper som kan bygge og drice kracverk 2. Kjøpere som kan
Utfordringer med de tre forsvarslinjer
Utfordringer med de tre forsvarslinjer Norges Interne Revisorers Forening 31. mai 2016 Prof. Flemming Ruud, PhD, Statsautorisert revisor Handelshøyskolen BI, Oslo University St. Gallen, Sveits flemming.ruud@bi.no
SKAGEN Credit NOK Statusrapport for oktober 2016
SKAGEN Credit NOK Statusrapport for oktober 2016 Porteføljekommentar Isolert sett var oktober en god måned for SKAGEN Credit. Kredittmarkedet har vært rolig de siste tre månedene. Rolige og stabile markeder
Etter selskapets ordinære generalforsamling den 24. mai 2017 består styret av følgende aksjonærvalgte styremedlemmer:
Valgkomiteens innstilling til ordinær generalforsamling i Insr Insurance Group ASA den 23. mai 2018 Med utgangspunkt i valgkomiteens mandat og instruks legger komiteen frem følgende forslag for beslutning