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Danone Premium Review 2013 V2
Pierre-André Terisse Chief Financial Officer Société Générale – The Premium Review Paris – December 4 th , 2013 Disclaimer This document contains certain forward-looking statements concerning DANONE. Although DANONE believes its expectations are based on reasonable assumptions, these forward-looking statements are subject to numerous risks and uncertainties, which could cause actual results to differ materially from those anticipated in these forward-looking statements. For a detailed description of these risks and uncertainties, please refer to the section “Risk Factors” in DANONE’s Annual Report (which is available on www.danone.com). DANONE undertakes no obligation to publicly update or revise any of these forward-looking statements. This document does not constitute an offer to sell, or a solicitation of an offer to buy, Danone shares. 2 A unique model of development 3 Our priorities today Europe Adapt & fix Growth markets Invest & leverage 2 tier momentum 9M sales growth : +5.5% 9M 2013 Sales figures Growth Markets Sales breakdown Europe Sales Sales 10.1 bn 38% 6.2 bn +11.7% like-for-like (1) 62% -3.0% like-for-like (1) (1) Like-for-like : Based on constant scope of consolidation and constant exchange rates 555 Q3 2013 : Strong underlying dynamics impacted however by the Fonterra crisis Clear priorities Strong underlying growth trends H1 2012 H2 2012 H1 2013 Q3 2013 Europe (1.7)% (4.5)% (4.0)% (0.9)% Europe : Adapt & fix – Savings & competitiveness CIS & 11,1% 8,2% 9,3% – Value for consumers NORAM 5,3% H1 2012 H2 2012 H1 2013 Q3 -
2021 Half Year Results Presentation 2 1H21 RESULTS PRESENTATION 15 April 2021
1H21 INVESTOR MATERIALS 15 April 2021 Half Year ended 28 February 2021 BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616. CONTENTS 1H21 RESULTS PRESENTATION 3 ABOUT BOQ 30 1H21 RESULTS 34 PORTFOLIO QUALITY 38 CAPITAL, FUNDING & LIQUIDITY 45 DIVISIONAL RESULTS 52 ECONOMIC ASSUMPTIONS 56 Bank of Queensland Limited 2021 Half Year Results Presentation 2 1H21 RESULTS PRESENTATION 15 April 2021 Half Year ended 28 February 2021 BANK OF QUEENSLAND LIMITED ABN 32 009 656 740. AFSL NO 244616. AGENDA INTRODUCTION Cherie Bell, General Manager Investor Relations RESULTS OVERVIEW George Frazis, Managing Director and CEO FINANCIAL DETAIL AND PORTFOLIO QUALITY Ewen Stafford, Chief Financial Officer and Chief Operating Officer SUMMARY & OUTLOOK George Frazis, Managing Director and CEO Q&A George Frazis, Managing Director and CEO Ewen Stafford, Chief Financial Officer and Chief Operating Officer Bank of Queensland Limited 2021 Half Year Results Presentation 4 RESULTS OVERVIEW GEORGE FRAZIS MANAGING DIRECTOR AND CEO 1H21 OVERVIEW 1. Statutory profit growth of 66%, cash net profit up 9%, and EPS growth of 3%1, reflecting strong growth whilst managing margin, costs and lower impairments 2. Good business momentum, with strong housing loan growth of 1.6x system and improved NIM to 1.95% 3. Delivering on the strategic transformation, over the last three halves, with go live of the first phase of the retail digital banking platform, and acquisition of ME Bank announced 4. Asset quality remains sound, reflected by loan impairment expense to GLAs reducing to 10bps and arrears reducing over the half. Prudent provision levels maintained 5. Capital strength to support business growth and transformation investment with CET1 of 10.03% 6. -
Moment of Truth
COUNTDOWN MOMENTTO EXTINCTIONOF WILL GLOBALTRUTH BRANDS CLEAN UP THE PALM OIL TRADE BEFORE 2020? TIME FOR BRANDS TO COME CLEAN ABOUT THEIR LINKS TO FOREST DESTRUCTION FOR PALM OIL A FROM? COMES PALM OIL WHO THEIR DISCLOSE BRANDS WHICH TRADERS/ SUPPLIERS MILLS/ PRODUCERS 100% CLEAN PALM OIL CONTENTS CRUNCH TIME FOR CLIMATE COMMITMENTS 1 THE HIGH PRICE OF CHEAP PALM OIL 5 ARE CORPORATE COMMITMENTS MORE THAN HOT AIR? 9 HOW TRADERS SCORED ON NDPE IMPLEMENTATION 11 BRANDS ADMIT LINKS TO RAINFOREST DESTRUCTION 12 CONFRONTING THE BRANDS WITH EVIDENCE 15 HOW CONSUMER BRANDS ARE LINKED TO FOREST DESTROYERS 16 FELDA/FELDA GLOBAL VENTURES (FGV) 18 SALIM GROUP 20 SAMLING GROUP 22 TIME FOR ACTION 24 BRANDS MUST DISCLOSE WHERE THEIR PALM OIL COMES FROM... 26 ...AND TAKE CONTROL OF THEIR SUPPLY CHAINS 27 COUNTDOWN TO 2020 29 DEMANDS 31 APPENDIX 1: HOW COMPANIES PERFORM ON TRANSPARENCY 32 APPENDIX 2: LITERATURE REVIEW 42 ENDNOTES 48 REFERENCES 52 ‘ Whilst the causes of deforestation are complex, it is generally acknowledged that the biggest drivers are the cultivation of soya and palm oil, logging for the production of paper and board and the rearing of cattle. All of these commodities are major ingredients in the supply chains of most consumer goods companies. Our member companies drive the demand for these commodities and have an opportunity to ensure that the sourcing of these ingredients does not contribute to deforestation.’1 CONSUMER GOODS FORUM ‘The unsustainable use of natural resources has caused a dramatic decline of Bornean orangutans ... Our findings suggest that more than 100,000 individuals have been lost in the 16 years between 1999 and 2015.’2 MARIA VOIGHT, RESEARCHER AT THE MAX PLANCK INSTITUTE FOR EVOLUTIONARY ANTHROPOLOGY D 11 DECEMBER 2016, 1°3 0 46́ ̋ S 110°15 28́ ̋ E: DRONE FOOTAGE REVEALS A NEW CANAL CUTTING INTO PEATLAND FOREST FROM THE PT DAMAI AGRO SEJAHTERA (PT DAS) OIL PALM CONCESSION WITHIN THE SUNGAI PUTRI PEATLAND LANDSCAPE OF KETAPANG DISTRICT, WEST KALIMANTAN. -
Nzbpt News December 2018
Issue 10 NZBPT NEWS DECEMBER 2018 TO ADVANCE AND ENCOURAGE BUSINESS UNDERSTANDING OF PARLIAMENT AND PARLIAMENTARIANS UNDERSTANDING OF THE BUSINESS COMMUNITY OF NEW ZEALAND Lisa King, social entrepreneur, CEO and Founder of Eat My Lunch was our guest speaker at the Spring Business Overview on 7 November. Here are highlights of her inspirational story. INSIDE THIS ISSUE BUSINESS SPRING PAGE 1 - 5 Business Spring Overview OVERVIEW PAGE 6 - 7 Schools Funding CEO Visit To IPT in London New Corporate Member Lisa King, social entrepreneur, CEO and Founder of Eat My Lunch was our guest speaker at the Spring PAGE 8 - 9 Our Presenters Business Overview on 7 November. Here are highlights of her inspirational story. PAGE 10 - 11 Presidents Dinners PAGE 12 - 13 Parliamentary Seminars It had never occurred to me know that if you are hungry, that in NZ, there are kids you cannot learn. Kids cannot PAGE 14 - 15 Business Attachments going to school with no food. concentrate, participate in Of the 290,000 children class and often misbehave BACK PAGE Changes Afoot currently living in poverty in when they haven’t eaten all NZ, we estimate that there are day. Without an education, 25,000 going to school every what chance do they have of day without lunch. And we all breaking the poverty cycle? BUSINESS SPRING OVERVIEW CONTINUED... As a working mum with 2 with a few charities, I also this type of business in young kids, I didn’t know knew that a lot of time and NZ and 3 years ago, the what I as one person could resource goes into getting concept barely existed in do to help solve this issue. -
The Country's Biggest Warehouse Stationery Store
group executive GREG MUIR DAVID WILSON ROBERT SMITH PAUL HUTCHINSON BRUCE GORDON GRAHAM CHAD NEVILLE BROWN KEITH SMITH HAMISH McKENZIE BRENT WALDRON JOAN WITHERS STEPHEN TINDALL DAVE RICKARDS ROBERT CHALLINOR GLEN INGER NEIL PLUMMER JOHN AVERY JOHN DAHLSEN GRAHAM EVEVANSANS directors contents Chief Executive Officer’s Review ..........................................................................................................3 Triple Bottom Line Summary Report ....................................................................................................11 Corporate Governance ......................................................................................................................14 Founder’s Report ..............................................................................................................................22 Ten Year Review ..............................................................................................................................24 Financials ........................................................................................................................................26 highlights of the year Between 1 August 2000 and 31 July 2001 The Warehouse Group achieved an audited net surplus after tax of $60.8 million The Warehouse Group achieved sales of $1.665 billion The Warehouse New Zealand opened nine new stores - six in new locations and three replacement stores Warehouse Stationery opened nine new stores The Warehouse Australia opened ten new stores - eight in new locations -
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Table of Contents Executive summary ............................................................................................... 2 What Auckland consumers have to say about electricity retail issues ........................... 3 The EAP has not fully met the requirements of the terms of reference ......................... 4 The big-5 incumbent retailers are to blame for residential price increases .................... 5 Sweet-heart deals with Tiwai Smelter are keeping prices artificially high ...................... 6 Stronger wholesale and retail competition needed to make electricity more affordable ... 8 Saves & Winbacks is making the two-tier retail market problem worse ...................... 11 Late payment penalties disadvantage vulnerable Kiwis unable to pay on time ............. 14 Prepayment arrangements exploit vulnerable consumers ......................................... 18 There are questions about compliance with the Vulnerable Consumer Guidelines and the objectives of the Guidelines .................................................................................. 19 Concluding remarks and recommendations ............................................................. 20 Appendix 1: Price increases over the last 18-years largely driven by retail (energy) .... 22 Appendix 2: Manipulation of pricing data can make it look like lines are to blame ........ 27 Appendix 3: The electricity retail and generation markets are highly “concentrated” .... 30 Appendix 4: Retail competition improvements driven by the last inquiry reforms -
Medibank Private Limited (MPL) – Annual Report and Notice of Annual General Meeting Documents
10 September 2020 Medibank Private Limited (MPL) – Annual Report and Notice of Annual General Meeting documents In accordance with the Listing Rules, Medibank releases the following documents to the market: (a) Annual Report 2020; (b) Appendix 4G - Key to Disclosures - Corporate Governance Council Principles and Recommendations; (c) Notice of Annual General Meeting 2020; and (d) Proxy Form 2020. These documents have been authorised for release by the Board. sig to come Mei Ramsay Company Secretary Medibank Private Limited ABN 47 080 890 259 GPO Box 9999 <in your capital city> Telephone 132 331 medibank.com.au no overlap of red spine allowed for fold crease spine set up as 8 mm Annual Report 2020 redefining better Medibank Private Limited ABN 47 080 890 259 Contents About Medibank 1 Financial summary 2 Business snapshot 3 Chairman’s message 4 CEO’s message 5 Creating value for our stakeholders 6 COVID-19 support 7 Better products and services 8 Better healthcare 12 Better business 16 Our sustainability highlights 20 Operating and financial review 22 Directors 30 Executive leadership team 33 Corporate governance statement 35 Directors’ report 45 Remuneration report 48 Financial report 73 Consolidated statement of comprehensive income 74 Consolidated statement of financial position 75 Consolidated statement of changes in equity 76 Consolidated statement of cash flows 77 Notes to the consolidated financial statements 78 Directors’ declaration 121 Auditor’s independence declaration 122 Independent auditor’s report 123 Shareholder information 131 Financial calendar 133 Corporate directory 133 Sustainability Report 2020 for a better future This report is part of our suite of reporting for the 2020 financial year. -
New Branches for the 2Africa Subsea Cable System
New branches for the 2Africa subsea cable system 16 August, 2021: The 2Africa consortium, comprised of China Mobile International, Facebook, MTN GlobalConnect, Orange, stc, Telecom Egypt, Vodafone and WIOCC, announced today the addition of four new branches to the 2Africa cable. The branches will extend 2Africa’s connectivity to the Seychelles, the Comoros Islands, and Angola, and bring a new landing to south-east Nigeria. The new branches join the recently announced extension to the Canary Islands. 2Africa, which will be the largest subsea cable project in the world, will deliver faster, more reliable internet service to each country where it lands. Communities that rely on the internet for services from education to healthcare, and business will experience the economic and social benefits that come from this increased connectivity. Alcatel Submarine Networks (ASN) has been selected to deploy the new branches, which will increase the number of 2Africa landings to 35 in 26 countries, further improving connectivity into and around Africa. As with other 2Africa cable landings, capacity will be available to service providers at carrier- neutral data centres or open-access cable landing stations on a fair and equitable basis, encouraging and supporting the development of a healthy internet ecosystem. Marine surveys completed for most of the cable and Cable manufacturing is underway Since launching the 2Africa cable in May 2020, the 2Africa consortium has made considerable progress in planning and preparing for the deployment of the cable, which is expected to ‘go live’ late 2023. Most of the subsea route survey activity is now complete. ASN has started manufacturing the cable and building repeater units in its factories in Calais and Greenwich to deploy the first segments in 2022. -
Property Portfolio 30 June 2020 About Stockland We Have a Long and Proud History of Creating Places That Meet the Needs of Our Customers and Communities
Stockland Stockland PropertyPortfolio PropertyPortfolio Property Portfolio 30 June 2020 30 June 2020 30 June 2020 For personal use only stockland.com.au About Stockland We have a long and proud history of creating places that meet the needs of our customers and communities. OUR STORY When Stockland was founded in 1952, Ervin Graf had a vision “to not merely achieve growth and profits, but to make a worthwhile contribution to the development of our cities and great country”. Pursuing that vision has seen Stockland grow to become one of Australia’s largest diversified property groups. We develop and manage retail town centres, logistics, workplace properties, residential communities and retirement living villages. With the benefit of our diverse property skills, we connect different types of properties in shared locations, to create places that inspire people to gather, to share and to live life. We recognise our responsibilities to the environment and are a leader in sustainable business practices. For over 65 years, we have worked hard to grow our portfolio of assets and projects. We have a long and proud history of creating places that meet the needs of our customers and communities. OUR PROPERTY PORTFOLIO Stockland is one of Australia’s leading diversified property groups. We’re active in retail, logistics, workplace properties, residential communities and retirement living villages. This portfolio identifies all of our properties across Australia. More information on Stockland’s activities For personal use only and an online version of the portfolio data is available at www.stockland.com.au Image: Green Hills, NSW Property Portfolio Commercial Property .................................................................................................................................................................................................................................................................. -
Half Year Results 2021 Investor Presentation
NAB 2021 HALF YEAR RESULTS INDEX This presentation is general background information about NAB. It is intended to be used by a professional analyst audience and is not intended to be relied upon as financial advice. Refer to page 116 for legal disclaimer. Financial information in this presentation is based on cash earnings, which is not a statutory financial measure. Refer to page 114 for definition of cash earnings and reconciliation to statutory net profit. Overview 3 1H21 Financials 16 Additional Information 32 Divisional Performances 32 Technology & Operations Update 49 Long Term: A Sustainable Approach 52 Australian Business Lending 59 Australian Housing Lending 63 Other Australian Products 70 Group Asset Quality 73 Capital & Funding 90 Economics 103 Other Information 111 OVERVIEW ROSS McEWAN Group Chief Executive Officer KEY MESSAGES Financial results reflect improving economy Risks remain – strength and stability continue to be a priority Executing our strategy with discipline and focus Building momentum, with more to do Well positioned to support a business-led recovery 4 SOUND FINANCIAL RESULTS METRIC 1H21 2H20 1H21 V 2H20 Statutory net profit ($m) 3,208 1,246 Large CONTINUING OPERATIONS (EX LARGE NOTABLE ITEMS 1) Cash earnings 2 ($m) 3,343 2,258 48.1% Underlying profit ($m) 4,576 4,952 (7.6%) Cash ROE 11.1% 7.7% 3.4% Diluted Cash EPS (cents) 96.9 67.3 44.0% Dividend (cents) 60 30 100% Cash payout ratio 3 59.1% 42.7% 16.4% (1) For a full breakdown of large notable items in 2H20 refer to Section 4, Note 3 of the 2021 Half Year Results Announcement. -
Westpac Online Investment Loan Acceptable Securities List - Effective 3 September2021
Westpac Online Investment Loan Acceptable Securities List - Effective 3 September2021 ASX listed securities ASX Code Security Name LVR ASX Code Security Name LVR A2M The a2 Milk Company Limited 50% CIN Carlton Investments Limited 60% ABC Adelaide Brighton Limited 60% CIP Centuria Industrial REIT 50% ABP Abacus Property Group 60% CKF Collins Foods Limited 50% ADI APN Industria REIT 40% CL1 Class Limited 45% AEF Australian Ethical Investment Limited 40% CLW Charter Hall Long Wale Reit 60% AFG Australian Finance Group Limited 40% CMW Cromwell Group 60% AFI Australian Foundation Investment Co. Ltd 75% CNI Centuria Capital Group 50% AGG AngloGold Ashanti Limited 50% CNU Chorus Limited 60% AGL AGL Energy Limited 75% COF Centuria Office REIT 50% AIA Auckland International Airport Limited 60% COH Cochlear Limited 65% ALD Ampol Limited 70% COL Coles Group Limited 75% ALI Argo Global Listed Infrastructure Limited 60% CPU Computershare Limited 70% ALL Aristocrat Leisure Limited 60% CQE Charter Hall Education Trust 50% ALQ Als Limited 65% CQR Charter Hall Retail Reit 60% ALU Altium Limited 50% CSL CSL Limited 75% ALX Atlas Arteria 60% CSR CSR Limited 60% AMC Amcor Limited 75% CTD Corporate Travel Management Limited ** 40% AMH Amcil Limited 50% CUV Clinuvel Pharmaceuticals Limited 40% AMI Aurelia Metals Limited 35% CWN Crown Limited 60% AMP AMP Limited 60% CWNHB Crown Resorts Ltd Subordinated Notes II 60% AMPPA AMP Limited Cap Note Deferred Settlement 60% CWP Cedar Woods Properties Limited 45% AMPPB AMP Limited Capital Notes 2 60% CWY Cleanaway Waste -
Mtn Group Limited
MTN GROUP LIMITED Telecommunications Company Key Findings: OVERALL SCORE TELECOMMUNICATIONS RANK • MTN made a commitment to human rights at the corporate level, but lacked disclosure of policies % that affect users’ freedom of expression and privacy in practice. 15 6 • MTN disclosed almost no information about how it handles government or private requests to restrict content or accounts, or for user information. South OPERATING COMPANY SERVICES EVALUATED EVALUATED African law prevents disclosure of government • Pre-Paid Mobile requests for user information, but MTN could MTN SOUTH • Post-Paid Mobile disclose government requests for content restrictions and requests from private parties. AFRICA South Africa • MTN revealed little about how it secures user information, including how it responds to data breaches. ANALYSIS MTN ranked sixth out of the 10 telecommunications About MTN Group Limited companies evaluated and 17th in the Index overall.1 Although South Africa’s internet environment is ranked as “free” by MTN Group Limited is a telecommunications company that Freedom House,2 the company operates in a number of serves markets in more than 20 countries in Africa, Asia, challenging markets including Iran, Rwanda, Afghanistan, and the Middle East.3 It offers voice and data services, and and other countries across the Middle East and North Africa, business services, such as cloud, infrastructure, network, making it difficult for the company to disclose concrete software, and enterprise mobility. policies to implement its commitment to respect human Market Cap: USD 16,398 million4 rights across all of its global operations. MTN’s group-level JSE: MTN corporate entity has historically relied on the company’s Domicile: South Africa operations outside of South Africa for revenue.