CAPITAL MARKET DAY 2018
AGENDA 2
WHO WE ARE
40 YEARS OF STRONG AND PROFITABLE GROWTH • We drive retail sales • • • 4
THE STRENGTH OF OUR BUSINESS MODEL • • • 5
INNOVATIONS – IT’S PART OF OUR DNA • • • • • 6
FURTHER STRENGHTENING THE RESURS BRAND • • • • 7
IT’S A PEOPLE’S GAME • • • • D O I T 8
NEW GROUP MANAGEMENT FORMED IN 2018 CMO CCO 9
THREE REASONS TO INVEST IN RESURS HOLDING 10
FINANCIAL PERFORMANCE AND PROFITABILITY
STRONG GROWTH IN BOTH SEGMENTS – ON TARGET 12
RISK-ADJUSTED NBI MARGIN – ON TARGET 13 13
14 14
IMPROVED COST INCOME RATIO – ABOVE TARGET 15
INCREASED PROFITABILITY – ABOVE TARGET 16
STRONG CAPITAL POSITION – ABOVE TARGET 17
FINANCIAL TARGET PERFORMANCE JAN-SEP 2018 18
Q&A
STRATEGIC AND OPERATIONAL AGENDA
RESURS DIFFERENTIATED BY UNIQUE BUSINESS MODEL 21
STRATEGIC AGENDA TO STRENGTHEN OUR BUSINESS MODEL 22
CURRENT TRENDS DRIVING THE MARKET 23
FROM STRATEGIC AREAS TO COMMERCIAL AND OPERATIONAL AGENDA • • • • • 24
ONE CHECKOUT TO RULE EVERYTHING • • • • 25
DIGITISATION OF PAYMENTS • • • • 26
PROCESS AND DIGITISATION WITHIN OPERATIONS • • • • • • 27
THE CREDIT ENGINE ENABLES A SIMPLER AND AUTOMATED APPLICATION PROCESS • • • • 28
LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES • • • • • • 29
IMPLEMENTING MACHINE LEARNING TO STRENGTHEN OUR SALES • • • 30
DEVELOPMENT OF OUR MOBILE PLATFORMS • • • • 31
STRATEGIC AGENDA TO ENABLE CONTINUED STRONG AND PROFITABLE GROWTH • • • • • 32
Q&A
BUSINESS PERFORMANCE, BANKING SEGMENTS
OUR BUSINESS MODEL IN FINANCIAL FIGURES PER Q3 2018 35
ATTRACTIVE MARKET OUTLOOK 36
RESURS WELL POSITIONED WITH A CLEAR STRATEGY OF PARTNER ADAPTION • • • • 37
BUSINESS PERFORMANCE, PAYMENT SOLUTIONS 38
OVERVIEW PAYMENT SOLUTIONS • • • • • 39
STRONG VALUE PROPOSITION • • • • • • • • 40
GROWTH POTENTIAL EMBEDDED IN THE SALES FUNNEL 41
WE HELP RETAILERS TO STAND OUT FROM THE COMPETITION • • • – – • • • • • 42
WE CONTINUE TO DEVELOP AND LAUNCH NEW AND INNOVATIVE SOLUTIONS • • • 43
CROSS-SELLING DRIVES PROFITABLE GROWTH WITHIN SUPREME CARD • • • • 44
FURTHER POTENTIAL IN DEVELOPING THE FACTORING BUSINESS • • • • • • • 45
BUSINESS PERFORMANCE, CONSUMER LOANS
LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES • • • • 47
OVERVIEW OF CONSUMER LOAN PORTFOLIO • • • • 48
THE CREDIT ENGINE ENABLES US TO USE MORE INTERNAL AND EXTERNAL VARIABLES • • • • 49
CONSUMER LOANS INCREASING TICKET SIZES OVER TIME 50
STRONG OUTLOOK FOR FUTURE GROWTH • • • 51
Q&A
BUSINESS PERFORMANCE, INSURANCE
VISION TO BE THE LEADING NORDIC NISCHE INSURANCE PROVIDER • • • • • • • • • • 54
FOCUS ON KEY NICHE INSURANCE SEGMENTS • • • • • • • • • • • 55
STRATEGIC GROWTH AGENDA EMBEDDED IN THE SALES FUNNEL • • • 56
CONTINUED STRONG GROWTH IN THE TECHNICAL RESULT 57
BUSINESS DEVELOPMENT • • 58
STRONG PLATFORM TO SUPPORT FUTURE GROWTH • • • • • • • 59
Q&A
RISK MANAGEMENT
LOW AND STABLE COST OF RISK DEVELOPMENT OVER TIME • • • 2,1% • 62
CREDIT UNDERWRITING PROCESS • • • • • • • • • • • • • • • • • 63
UNIQUE UNDERWRITING MODEL BASED ON COMBINATION OF PROPRIETARY DATABASE AND PUBLIC DATA A B C D E F G H 64
THE DIFFERENCE BETWEEN IAS 39 AND IFRS 9 • • – • • – • • – • • 65
IFRS9 METHODOLOGY 𝑈 𝐹𝐷𝑀 = 𝑄𝐸 𝑢 ∙ 𝑀𝐻𝐸 𝑢 ∙ 𝐹𝐵𝐸 𝑢 ∙ 𝐸 𝑢 𝑢=1 • • • • • • • • • • • • 66
NPL STRATEGY GOING FORWARD • • • • • • • • 67
Q&A
CONCLUDING REMARKS
THANK YOU!
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