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AGENDA
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CAPITAL MARKET DAY 2018 AGENDA 2 WHO WE ARE 40 YEARS OF STRONG - - PowerPoint PPT Presentation
CAPITAL MARKET DAY 2018 AGENDA 2 WHO WE ARE 40 YEARS OF STRONG - - PowerPoint PPT Presentation
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 ITS PART OF OUR DNA
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WHO WE ARE
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40 YEARS OF STRONG AND PROFITABLE GROWTH
- We drive
retail sales
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THE STRENGTH OF OUR BUSINESS MODEL
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INNOVATIONS– IT’S PART OF OUR DNA
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FURTHER STRENGHTENING THE RESURS BRAND
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IT’S A PEOPLE’S GAME
D O I T
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NEW GROUP MANAGEMENT FORMED IN 2018
CCO CMO
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THREE REASONS TO INVEST IN RESURS HOLDING
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FINANCIAL PERFORMANCE AND PROFITABILITY
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STRONG GROWTH IN BOTH SEGMENTS – ON TARGET
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RISK-ADJUSTED NBI MARGIN – ON TARGET
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IMPROVED COST INCOME RATIO – ABOVE TARGET
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INCREASED PROFITABILITY – ABOVE TARGET
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STRONG CAPITAL POSITION – ABOVE TARGET
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FINANCIAL TARGET PERFORMANCE JAN-SEP 2018
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Q&A
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STRATEGIC AND OPERATIONAL AGENDA
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RESURS DIFFERENTIATED BY UNIQUE BUSINESS MODEL
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STRATEGIC AGENDA TO STRENGTHEN OUR BUSINESS MODEL
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CURRENT TRENDS DRIVING THE MARKET
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FROM STRATEGIC AREAS TO COMMERCIAL AND OPERATIONAL AGENDA
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ONE CHECKOUT TO RULE EVERYTHING
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DIGITISATION OF PAYMENTS
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PROCESS AND DIGITISATION WITHIN OPERATIONS
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THE CREDIT ENGINE ENABLES A SIMPLER AND AUTOMATED APPLICATION PROCESS
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LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES
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IMPLEMENTING MACHINE LEARNING TO STRENGTHEN OUR SALES
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DEVELOPMENT OF OUR MOBILE PLATFORMS
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STRATEGIC AGENDA TO ENABLE CONTINUED STRONG AND PROFITABLE GROWTH
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Q&A
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BUSINESS PERFORMANCE, BANKING SEGMENTS
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OUR BUSINESS MODEL IN FINANCIAL FIGURES PER Q3 2018
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ATTRACTIVE MARKET OUTLOOK
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- RESURS WELL POSITIONED WITH A CLEAR STRATEGY OF
PARTNER ADAPTION
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BUSINESS PERFORMANCE, PAYMENT SOLUTIONS
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OVERVIEW PAYMENT SOLUTIONS
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STRONG VALUE PROPOSITION
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GROWTH POTENTIAL EMBEDDED IN THE SALES FUNNEL
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WE HELP RETAILERS TO STAND OUT FROM THE COMPETITION
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- –
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WE CONTINUE TO DEVELOP AND LAUNCH NEW AND INNOVATIVE SOLUTIONS
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CROSS-SELLING DRIVES PROFITABLE GROWTH WITHIN SUPREME CARD
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FURTHER POTENTIAL IN DEVELOPING THE FACTORING BUSINESS
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BUSINESS PERFORMANCE, CONSUMER LOANS
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LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES
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OVERVIEW OF CONSUMER LOAN PORTFOLIO
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THE CREDIT ENGINE ENABLES US TO USE MORE INTERNAL AND EXTERNAL VARIABLES
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CONSUMER LOANS INCREASING TICKET SIZES OVER TIME
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STRONG OUTLOOK FOR FUTURE GROWTH
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Q&A
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BUSINESS PERFORMANCE, INSURANCE
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VISION TO BE THE LEADING NORDIC NISCHE INSURANCE PROVIDER
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FOCUS ON KEY NICHE INSURANCE SEGMENTS
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STRATEGIC GROWTH AGENDA EMBEDDED IN THE SALES FUNNEL
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CONTINUED STRONG GROWTH IN THE TECHNICAL RESULT
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BUSINESS DEVELOPMENT
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STRONG PLATFORM TO SUPPORT FUTURE GROWTH
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Q&A
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RISK MANAGEMENT
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LOW AND STABLE COST OF RISK DEVELOPMENT OVER TIME
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- 2,1%
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CREDIT UNDERWRITING PROCESS
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UNIQUE UNDERWRITING MODEL BASED ON COMBINATION OF PROPRIETARY DATABASE AND PUBLIC DATA
A B C D E F G H
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THE DIFFERENCE BETWEEN IAS 39 AND IFRS 9
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IFRS9 METHODOLOGY
- 𝐹𝐷𝑀 =
𝑢=1 𝑈
𝑄𝐸𝑢 ∙ 𝑀𝐻𝐸𝑢 ∙ 𝐹𝐵𝐸𝑢 ∙ 𝐸𝑢
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NPL STRATEGY GOING FORWARD
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Q&A
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CONCLUDING REMARKS
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