CAPITAL MARKET DAY 2018 AGENDA 2 WHO WE ARE 40 YEARS OF STRONG - - PowerPoint PPT Presentation

capital market day 2018 agenda
SMART_READER_LITE
LIVE PREVIEW

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


slide-1
SLIDE 1

CAPITAL MARKET DAY 2018

slide-2
SLIDE 2

AGENDA

2

slide-3
SLIDE 3

WHO WE ARE

slide-4
SLIDE 4

40 YEARS OF STRONG AND PROFITABLE GROWTH

  • We drive

retail sales

4

slide-5
SLIDE 5

5

THE STRENGTH OF OUR BUSINESS MODEL

slide-6
SLIDE 6

INNOVATIONS– IT’S PART OF OUR DNA

  • 6
slide-7
SLIDE 7

FURTHER STRENGHTENING THE RESURS BRAND

7

slide-8
SLIDE 8

IT’S A PEOPLE’S GAME

D O I T

  • 8
slide-9
SLIDE 9

9

NEW GROUP MANAGEMENT FORMED IN 2018

CCO CMO

slide-10
SLIDE 10

THREE REASONS TO INVEST IN RESURS HOLDING

10

slide-11
SLIDE 11

FINANCIAL PERFORMANCE AND PROFITABILITY

slide-12
SLIDE 12

12

STRONG GROWTH IN BOTH SEGMENTS – ON TARGET

slide-13
SLIDE 13

13

RISK-ADJUSTED NBI MARGIN – ON TARGET

13

slide-14
SLIDE 14

14 14

slide-15
SLIDE 15

15

IMPROVED COST INCOME RATIO – ABOVE TARGET

slide-16
SLIDE 16

16

INCREASED PROFITABILITY – ABOVE TARGET

slide-17
SLIDE 17

17

STRONG CAPITAL POSITION – ABOVE TARGET

slide-18
SLIDE 18

18

FINANCIAL TARGET PERFORMANCE JAN-SEP 2018

slide-19
SLIDE 19

Q&A

slide-20
SLIDE 20

STRATEGIC AND OPERATIONAL AGENDA

slide-21
SLIDE 21

21

RESURS DIFFERENTIATED BY UNIQUE BUSINESS MODEL

slide-22
SLIDE 22

STRATEGIC AGENDA TO STRENGTHEN OUR BUSINESS MODEL

22

slide-23
SLIDE 23

CURRENT TRENDS DRIVING THE MARKET

23

slide-24
SLIDE 24

FROM STRATEGIC AREAS TO COMMERCIAL AND OPERATIONAL AGENDA

24

slide-25
SLIDE 25

25

ONE CHECKOUT TO RULE EVERYTHING

slide-26
SLIDE 26

DIGITISATION OF PAYMENTS

26

slide-27
SLIDE 27

PROCESS AND DIGITISATION WITHIN OPERATIONS

  • 27
slide-28
SLIDE 28

THE CREDIT ENGINE ENABLES A SIMPLER AND AUTOMATED APPLICATION PROCESS

28

slide-29
SLIDE 29

LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES

  • 29
slide-30
SLIDE 30

IMPLEMENTING MACHINE LEARNING TO STRENGTHEN OUR SALES

  • 30
slide-31
SLIDE 31

DEVELOPMENT OF OUR MOBILE PLATFORMS

  • 31
slide-32
SLIDE 32

STRATEGIC AGENDA TO ENABLE CONTINUED STRONG AND PROFITABLE GROWTH

  • 32
slide-33
SLIDE 33

Q&A

slide-34
SLIDE 34

BUSINESS PERFORMANCE, BANKING SEGMENTS

slide-35
SLIDE 35

35

OUR BUSINESS MODEL IN FINANCIAL FIGURES PER Q3 2018

slide-36
SLIDE 36

ATTRACTIVE MARKET OUTLOOK

36

slide-37
SLIDE 37
  • RESURS WELL POSITIONED WITH A CLEAR STRATEGY OF

PARTNER ADAPTION

37

slide-38
SLIDE 38

BUSINESS PERFORMANCE, PAYMENT SOLUTIONS

38

slide-39
SLIDE 39

OVERVIEW PAYMENT SOLUTIONS

39

slide-40
SLIDE 40

STRONG VALUE PROPOSITION

  • 40
slide-41
SLIDE 41

41

GROWTH POTENTIAL EMBEDDED IN THE SALES FUNNEL

slide-42
SLIDE 42

WE HELP RETAILERS TO STAND OUT FROM THE COMPETITION

  • 42
slide-43
SLIDE 43

WE CONTINUE TO DEVELOP AND LAUNCH NEW AND INNOVATIVE SOLUTIONS

43

slide-44
SLIDE 44

CROSS-SELLING DRIVES PROFITABLE GROWTH WITHIN SUPREME CARD

44

slide-45
SLIDE 45

FURTHER POTENTIAL IN DEVELOPING THE FACTORING BUSINESS

45

slide-46
SLIDE 46

BUSINESS PERFORMANCE, CONSUMER LOANS

slide-47
SLIDE 47

LEVERAGING THE RETAIL FINANCE DATABASE TO DRIVE SALES

47

slide-48
SLIDE 48

OVERVIEW OF CONSUMER LOAN PORTFOLIO

48

slide-49
SLIDE 49

THE CREDIT ENGINE ENABLES US TO USE MORE INTERNAL AND EXTERNAL VARIABLES

49

slide-50
SLIDE 50

CONSUMER LOANS INCREASING TICKET SIZES OVER TIME

50

slide-51
SLIDE 51

STRONG OUTLOOK FOR FUTURE GROWTH

51

slide-52
SLIDE 52

Q&A

slide-53
SLIDE 53

BUSINESS PERFORMANCE, INSURANCE

slide-54
SLIDE 54

54

VISION TO BE THE LEADING NORDIC NISCHE INSURANCE PROVIDER

slide-55
SLIDE 55

FOCUS ON KEY NICHE INSURANCE SEGMENTS

  • 55
slide-56
SLIDE 56

56

STRATEGIC GROWTH AGENDA EMBEDDED IN THE SALES FUNNEL

slide-57
SLIDE 57

CONTINUED STRONG GROWTH IN THE TECHNICAL RESULT

57

slide-58
SLIDE 58

BUSINESS DEVELOPMENT

58

slide-59
SLIDE 59

59

STRONG PLATFORM TO SUPPORT FUTURE GROWTH

slide-60
SLIDE 60

Q&A

slide-61
SLIDE 61

RISK MANAGEMENT

slide-62
SLIDE 62

LOW AND STABLE COST OF RISK DEVELOPMENT OVER TIME

62

  • 2,1%
slide-63
SLIDE 63

63

CREDIT UNDERWRITING PROCESS

slide-64
SLIDE 64

UNIQUE UNDERWRITING MODEL BASED ON COMBINATION OF PROPRIETARY DATABASE AND PUBLIC DATA

     

A B C D E F G H

64

slide-65
SLIDE 65

THE DIFFERENCE BETWEEN IAS 39 AND IFRS 9

65

slide-66
SLIDE 66

66

IFRS9 METHODOLOGY

  • 𝐹𝐷𝑀 =

𝑢=1 𝑈

𝑄𝐸𝑢 ∙ 𝑀𝐻𝐸𝑢 ∙ 𝐹𝐵𝐸𝑢 ∙ 𝐸𝑢

slide-67
SLIDE 67

NPL STRATEGY GOING FORWARD

  • 67
slide-68
SLIDE 68

Q&A

slide-69
SLIDE 69

CONCLUDING REMARKS

slide-70
SLIDE 70

THANK YOU!