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Insights from Danish Companies Hanne Shapiro Futures and Finansforbundet Table of Contents
SUMMARY THE FINANCIAL LABOUR MARKET OF THE FUTURE INSIGHTS FROM DANISH COMPANIES HANNE SHAPIRO FUTURES AND FINANSFORBUNDET TABLE OF CONTENTS INSIGHTS FROM DANISH COMPANIES ..................................................4 TOPIC 1 A CHANGING SECTOR –NEW PARTNERSHIPS ................................................................................................6 TOPIC 2 AUGMENTATION VS. AUTOMATION ..........................................................8 TOPIC 3 CHANGES IN HOW WE WORK ..........................................................................10 TOPIC 4 NEW ROLES FOR HR AND MANAGERS .................................................12 TOPIC 5 DEVELOPMENTS IN SKILLS AND NEW JOB PROFILES ......................................................................................................14 TOPIC 6 NEW WAYS OF LEARNING ....................................................................................18 BEHIND THE RESULTS: INTERVIEWS WITH SELECT COMPANIES Hanne Shapiro Futures has conducted interviews with the following companies: Bankdata, Danske Bank, Jyske Bank, Nykredit, SimCorp, Sparekassen Kronjylland, Spar Nord Bank and Tryg Forsikring. The cases were selected based on a desire to reflect the diversification characteristic to the financial sector. However, the cases do not fully depict the diversity that characterises the financial sector and its value chain. For most of the companies, several interviews were conducted with both managers and employees. Josefine Boel Rasmussen from Finansforbundet participated -
Aktienyt Novozymes
Aktienyt Novozymes Hold Udfordrende markeder dæmper salgsvæksten Uændret Hold-anbefaling siden 20/04/2016 Vi fastholder vores Hold-anbefaling på Novozymes Dagens regnskab er lidt svagere, end vi havde ventet. Hård priskonkurrence i ’Bioenergi’ og økonomisk Analysedato: 10/08/2016 pressede kunder i ’Landbrug og Foder’ dæmper Novozymes’ salgsvækst. Pris- fastsættelsen af Novozymes-aktien afspejler efter vores vurdering Novozymes’ Aktuel kurs kl. 12:11: kortsigtede forretningsmuligheder. 295,00 DKK Salgsvæksten skuffer i årets 2. kvartal Omsætningen på 3.429 mio. kr. i 2. kvartal 2016 er 3,3% dårligere end vores estimat (-3,5% i Begivenhed: forhold til markedsforventningen). Resultatet af primær drift på 961 mio. kr. i 2. kvartal 2016 er 2,9% under vores estimat (-2,6% i forhold til markedsforventningen). I forhold til vores for- 2. kvartalsregnskab ventning er det specielt salget i divisionerne ’Bioenergi’ og ’Landbrug og Foder’, der viser en svagere end ventet udvikling i 2. kvartal. Novozymes justerer salgsprognosen for 2016 i lokal Seneste analyse: valuta. Selskabet venter nu en salgsvækst i lokal valuta på 2-4% i 2016 mod tidligere 3-5%. 05/08/16 – Vækst i ’Vaskemid- Novozymes forventer, at salgsvæksten i danske kroner forbliver uændret på 1-3% i 2016. ler’ – Tilbagegang i ’Bioenergi’ Salgsvæksten i ’Vaskemidler’ overgår vores forventning Den organiske salgsvækst i divisionen ’Vaskemidler’ på 4% i 2. kvartal er lidt bedre end vo- res estimat på 3%. Vi hæfter hos ved, at salget vokser i Asien drevet af øget penetration af Kalender: enzymer i flydende vaskemidler. Yderligere noterer vi os, at den positive salgsudvikling er 26/10/16 – 3. -
Honours Programme, Industrial Track Msc Chemical and Biochemical Engineering Honours Programme in Chemical and Biochemical Engineering
Honours Programme, Industrial Track MSc Chemical and Biochemical Engineering Honours Programme in Chemical and Biochemical Engineering In September 2009 DTU established honours programmes within the context of the regular MSc programmes (see:www.dtu.dk/ english). The programmes are open to highly qualified internation- al and Danish students. You can choose to focus your Honours Programme in Chemical and Biochemical Engineering on industrial research and development by following a special Industrial Track. Industrial Track The superb industrial contacts and the high international standing amongst the faculty of the Department have made it possible to form an industrial track within the Honours Programme. The philosophy is to enable the very best and most motivated stu- dents to gain from high-level, world-class industrial contacts in major Danish enterprises with operations all over the world. In this way we work to open new and exciting career prospects for the students within industrial research, innovation, process design, operation and management. The programme is coordinated with leading international Danish companies. Presently FLSmidth, Lundbeck, Novozymes, Haldor- Topsøe, and Hempel support the programme. Admission to Indus- trial Track is subject to acceptance by a partner company. 2 DTU Special features The Technical University of Denmark (DTU) is Scandinavia’s leading The honours programme, Industrial Track has some special features technical university and one of the top technical universities in Europe. over and above the normal MSc programme. These are: It has outstanding facilities for education and research in a large, open campus just north of Copenhagen. Masters courses are taught in Eng- Mentoring lish, in an innovative and open-minded learning environment. -
Aktiekommentar Novozymes
Aktiekommentar Novozymes Sælg Novozymes står på dørtærsklen til et kommercielt Uændret gennembrud i 2G-biobrændstofindustrien Aktuel kurs: 216,30 DKK Begivenhed: Vi fastholder Sælg-anbefalingen på Novozymes. Værdiansættelsen af Novozy- mes-aktien indregner efter vores vurdering allerede store forventninger til Novo- zymes’ fremtidige salg og indtjening fra 2G-biobrændstofenzymer. 2G-industrien Optakt til kapitalmar- er dog i sin spæde opstartsfase. Der er fortsat stor usikkerhed forbundet med kedsdag hvilke teknologiske løsninger, der vil blive markedsledende. Vi forventer dog, at Novozymes vil få en betydelig markedsposition som leverandør til 2G-industrien. Baggrund: Novozymes afholder kapitalmarkedsdag den 31. oktober 2013. Det overordnende tema for dagen er anden generations biobrændstof (2G) og mulighederne for Novozymes i denne indu- stri. Verdens første kommercielle 2G-bioethanolproduktion er for nylig startet op i Cresentino i Italien med Novozymes som enzymleverandør. Produktionsanlægget er opført af italienske Beta Renewables, som Novozymes ejer 10% af. Konklusion: På kapitalmarkedsdagen vil vi have fokus på følgende punkter: - Produktionsøkonomien på det italienske 2G-anlæg – er det kommercielt konkurren- cedygtigt? - Statusopdatering på Novozymes’ globale partnerskabsaftaler – tidshorisont for kom- merciel 2G-produktion på forskellige markeder - Novozymes/Beta Renewables styrker i forhold til konkurrerende teknologier Vi forventer, at Novozymes i 2015 kan opnå et globalt enzymsalg til 2G- biobrændstofsproduktion på 213 mio. kr. stigende til 2.166 mio. kr. i 2020. Vi forventer, at Ki- na og Brasilien vil agere vækstmotor for udviklingen af 2G-industrien, mens vi først forventer, at udviklingen i USA kommer op i tempo efter 2015. Det er efter vores vurdering helt centralt, at Novozymes har indgået et samarbejde med itali- enske Beta Renewables. -
Kristina Olsen to Leave Bonava Kristina Olsen Has Decided to Leave Bonava and Her Role of BU President of Bonava Norway to Work with an External Assignment
Press release, 25 August 2021 Kristina Olsen to leave Bonava Kristina Olsen has decided to leave Bonava and her role of BU President of Bonava Norway to work with an external assignment. Jonas Granström has been appointed Acting BU President and member of the Executive Management Group. Kristina Olsen has worked at NCC/Bonava since 2000 and held several senior positions at the company, including as BU President Bonava Denmark-Norway. She has been a member of Bonava’s Executive Management Group since 2018. – I would like to extend my sincere gratitude to Kristina for her highly appreciated work during her time at Bonava. I wish Kristina much success in her future assignments, says President and CEO Peter Wallin. Jonas Granström has been appointed Acting BU President of Bonava Norway and member of the Executive Management Group. He has extensive experience of residential development and has previously held several senior roles at, for example, Skanska in the Nordic region, the hotel chain Scandic and the property company ByggVesta. In May 2021, Bonava decided to wind down its operations in Copenhagen and exit the Danish market in order to improve efficiency and profitability in the Group. Bonava Norway has been an independent business unit in the Nordic segment since 1 June 2021. In Norway, Bonava conducts residential development activities in the cities of Bergen and Oslo. For more information, please contact: Fredrik Hammarbäck, Group Head of Press and Public Affairs [email protected] Tel: +46 739 056 063 Carolina Strömlid, Head of Investor Relations [email protected] Tel: +46 708 807 173 Bonava is a leading residential developer in Northern Europe that creates homes and neighbourhoods where people have the highest quality of life. -
Annual Report 2020
S I MCOR P ANNUAL REPORT 2020 SimCorp A/S • Weidekampsgade 16 • 2300 Copenhagen S • Denmark • Company reg. no: 15505281 • www.simcorp.com SIMCORP ANNUAL REPORT 2020 | 2 A leading provider of fully integrated front-to-back, multi-asset, investment management solutions to the world’s largest institutional investment management companies Empowering unmatched operational efficiency and investment enablement MANAGEMENT REPORT CONSOLIDATED FINANCIAL STATEMENTS FINANCIAL STATEMENTS OF SIMCORP A/S 3 SimCorp at a glance 17 Financial review 2020 45 Income statement 93 Income statement 4 Business units, products and clients 24 Risk management 45 Statement of comprehensive income 93 Statement of comprehensive income 5 Business unit review 27 Corporate governance report 46 Cash flow statement 94 Cash flow statement 6 Performance and highlights 31 Shareholder information 47 Statement of financial position 95 Statement of financial position 7 CEO and Chairman letter 35 Board of Directors 48 Statement of changes in equity 96 Statement of changes in equity 9 Highlights 2016-2020 38 Executive Management Board 49 Notes 97 Notes 11 Vision and strategy 39 Group Management Committee 15 Financial targets 2021 40 Statements and signatures RELATED REPORTS Sustainability Report 2020 Remuneration Report 2020 www2.simcorp.com/SustainabilityReport2020 www2.simcorp.com/RemunerationReport2020 DISCLAIMER: SimCorp’s annual report includes certain forward-looking statements regarding the Group’s future financial situation. Such statements are based on SimCorp’s current plans, estimates, and projections. By nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and are thus not a guarantee of future performance. Accordingly, the actual performance may deviate materially from that expressed in such forward-looking statements due to a variety of factors. -
Jens Howitz (Pdf)
Ledelsesevaluering og mangfoldighed Jens M. Howitz Managing Director Russell Reynolds Associates Januar 2014 Bestyrelsesprofil under forandring 1999 2013 Hvid, mand, midaldrende Mangfoldighed: Køn, alder, erfaring Homogen profil “Old Boys Network” Overvejende international/global Relationer og kontakter Udvælgelsesproces Dansk Kompetencedrevet Specifik baggrund og indsigt: Tidligere CEO / Generalist • Finans, SCM, Branding, CSR etc. Advokat •Emerging markeder •Brancheforståelse •Uafhængighed FTSE 100 CAC40 DAX AEX OBX OMX C20 ‘09 ‘12 ‘09 ‘12 ‘09 ’12 ‘09 ‘12 ‘09 ‘13 ’09 ’13 Female 11% 21% 8% 22% 5% 10% 14% 20% 39% 38% 10% 16% NEDs ‘Foreign’ 37% 41% 28% 31% 18% 26% 48% 53% 27% 39% 24% 35% NEDs Average Age 57 60 60 61 61 62 62 61 54 52 58 57 2 Virksomheder Novo Nordisk Lundbeck A.P.Møller – Maersk GN Store Nord Danske Bank Jyske Bank Carlsberg Topdanmark Coloplast FLSmidth & Co. Novozymes DONG Energy TDC Danish Crown Pandora Coop Danmark Vestas Wind Systems DLG Tryg Danfoss DSV Grundfos William Demant Holding LEGO Chr. Hansen Holding 3 Bestyrelsesmedlemmer 2013 vs. 2003 Anciennitet i top 25 virksomheder i DK 2013 Anciennitet i top 25 virksomheder i DK 2003 100 45 90 40 80 35 70 30 60 25 Antal Medlemmer Antal Medlemmer 50 Mænd Mænd 20 40 Kvinder Kvinder 15 30 20 10 10 5 0 0 0-3 år 3-6 år 6-9 år 9-12 år 12+ 0-3 år 3-6 år 6-9 år 9-12 år 12+ 4 Bestyrelsesmedlemmers nationalitet, top 25 2013 2003 3% 13% 6% 13% Dansk Dansk Nordisk Nordisk Andet Andet 74% 91% 5 Bestyrelsessammensætning, top 25 2013 2003 Køn: 83,9 % mænd -
Appendix 1: Firm & Industry Data
Appendix 1: Firm & Industry Data NORWAY ROYAL SALMON Appendix 1.1: Diverse Information RegionRegion North (NRS Q4 North 2016 Report) – Troms Two new sites in a new area approved ° Lubben and Korsnes ° Improve possibilities for split of each generation to reduce biological risks ° Improve growth possibilities New hatchery – NRS Settefisk ° Purchased land in Karlsøy municipality, Troms ° Planned production capacity of 10 million smolts NORWAY ROYAL SALMON ° Construction starts when necessary approvals have been given, Region South estimated within 1,5 to 2 years Region South (NRS Q4 2016 Report) ° Provide NRS with predictable ° planningOperates with in theregards Haugesund to smolts area, both in Rogaland and Hordaland county ° Region South holds a total of 6 licenses ° Owned 100 % through NRS Feøy AS 8 ° One single MAB Zone ° Enables smoother and better utilization of MAB ° Harvesting at Espevær Laks 35 02 Position of salmon 2.8 Supply of farmed and wild salmonids Wild & Farmed Salmon, historical annual supply (Marine Harvest, 2017) 2 400 Wild Farmed 2 200 2 000 1 800 1 600 1 400 1 200 1 000 800 Thousand Thousand tonnes GWE 600 400 200 - 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 The general supply of seafood in the world is shifting more towards aquaculture as the supply from wild catch is stagnating in several regions and for many important species. Wild catch of salmonids is varying04 between 700Salmon 000 and 1 000 Supply000 tonnes GWE, whereas farmed salmonids are increasing. The first year the total supply of salmonids was dominated by farmed, was in 1999. -
Annual Report 2019 Sydbank Group Preface
Annual Report 2019 Sydbank Group Preface 4 SYDBANK / 2019 Annual Report 2019 characterised by growth in total credit intermediation and historically high remortgaging activity Sydbank’s 2019 financial statements show a profit before tax of DKK 1,081m compared to DKK 1,420m in 2018. The decrease of DKK 339m is mainly attributable to a drop in total income of DKK 210m and a change in non-re- 2019 highlights curring items of DKK 109m. Profit before tax equals a return of 9.7% p.a. on • A 5% decrease in total income average equity. • A 2% rise in costs (core earnings) • A reversal of DKK 97m in impairment charges Profit for the year after tax represents DKK 853m against DKK 1,161m in • A drop in core earnings of DKK 296m to DKK 1,193m 2018, equal to a return on average equity of 7.5%. At the beginning of 2019 • Negative investment portfolio earnings of DKK 61m profit after tax was projected to be in the range of DKK 800-1,100m. • Bank loans and advances of DKK 60.6bn CEO Karen Frøsig comments on the year’s result and the current strategy: • Total credit intermediation of DKK 145.1bn - It is good news that a sizeable improvement in total credit intermediation of • Deposits of DKK 84.3bn almost DKK 3bn has been recorded and that credit quality is still so good that • A capital ratio of 22.9%, including a CET1 ratio of 17.8% we were able to reverse impairment charges amounting to almost DKK 100m • A proposed dividend of DKK 5.70 per share in 2019. -
Bakkafrost Annual Report 2013
Faroese Company Registration No.: 1724 BAKKAFROST ANNUAL REPORT 2013 WWW.BAKKAFROST.COM 1/119 / BAKKAFROST / ANNUAL REPORT 2013 2/119 / BAKKAFROST / ANNUAL REPORT 2013 TABLE OF CONTENTS Key Figures 4 Bakkafrost’s History 6 Group Structure 8 Operation Sites 10 Main Events 12 Chairman’s Statement 15 Statement by the Management and the Board of Directors 16 Business Review 34 Business Objectives and Strategy 48 Operation 50 Health, Safety and the Environment 54 Shareholder Information 57 Directors’ profiles 58 Group Management’s Profiles 60 Other Managers 62 Corporate Governance 65 Statement by the Management and the Board of Directors on the Annual Report 66 Independent Auditor’s Report 67 Bakkafrost Group Consolidated Financial Statements 68 P/F Bakkafrost - Financial Statements 109 3/119 / BAKKAFROST / ANNUAL REPORT 2013 2013 2,491 2012 1,855 2011 KEY FIGURES 1,321 2010 820 2009 Operating revenues 597 Mill. DKK 4/119 / BAKKAFROST / ANNUAL REPORT 2013 (DKK 1000) IFRS IFRS IFRS IFRS IFRS Income statement 2013 2012 2011 2010 2009 Operating revenues 2,491,081 1,855,544 1,321,092 820,212 596,565 Operational EBIT * 587,010 323,040 335,146 246,788 158,740 Operational EBITDA * 673,669 403,284 402,471 289,045 213,191 Earnings before interest and taxes (EBIT) 701,320 343,520 400,698 315,580 192,394 Earnings before taxes (EBT) 727,351 323,681 370,196 307,259 181,237 Net earnings 589,218 267,875 323,417 259,711 148,728 Earnings per share before fair value adjustment of biomass and provision for onerous contracts (DKK) 10.55 5.01 7.43 3.97 40.49 Earnings -
Storebrand Livsforsikring AS Annual Report 2011
Annual report 2011 Storebrand Livsforsikring AS ANNUAL REPORT 2011 2 | ANNUAL REPORT STOREBRAND LIVSFORSIKRING AS Contents Page 4 | Report of the board of directors Page 22 | Profit and loss account Page 24 | Statement of financial position Page 27 | Reconsiliation of change in equity Page 28 | Cash flow analysis Page 29 | Notes Page 114 | Actuary report Page 115 | Declaration by the members of the board and the CEO Page 116 | Audit report Page 118 | Control committee’s statement Page 119 | Board of representatives statement Page 120 | Terms and expressions ANNUAL REPORT STOREBRAND LIVSFORSIKRING AS | 3 ANNUAL REPORT 2011 Report of the board of directors Storebrand Livsforsikring primarily operates in Norway and its head office is in Lysaker Park in the Municipality of Bærum. Storebrand’s position as a leading player in the Nordic occupational pension market strengt- hened through 2011. In addition, several strategic and organisational adjustments were im- plemented in order to increase focus on the retail market. The reason for this initiative is the transition from defined benefit to defined contribution occupational pension schemes, where the individual employees have a greater involvement. Business relationships give the Group a strategic advantage in the relationships established with company employees. OUTLOOK Fusion of corporate and retail markets The shift from defined benefit to defined contribution occupational pension schemes has led to both risks and investment options being transferred from employer to employee. In addi- tion, the pensions reform will lead to lower future pension payments for many employees. In sum, this increases both the need and interest in pensions and private savings significantly. -
Plain Language in the Norwegian Financial Services
Plain Language Association International’s 11th conference Improving Customer Relationships September 21-23, 2017 University of Graz, Austria hosted by Klarsprache.at Copyright of this presentation belongs to the presenter www.plainlanguagenetwork.org Plain Language in the Norwegian financial sector Graz, 22nd September 2017 Gry Nergård, Consumer Policy Director www.finansnorge.no Introduction • Gry Nergård • Lawyer • Consumer Policy Director, Finance Norway • Former Norwegian Consumer Ombudsman www.finansnorge.no 3 Our members: • Finance Norway is the industry • Savings banks organisation for the financial • Commercial banks industry in Norway. • Life insurers • We represent about 240 financial • Non-life insurers companies with around 50,000 • Savings bank foundations employees. • Mortgage companies • Financial conglomerates • Other financial companies www.finansnorge.no Changes in the retirement pension system www.finansnorge.no The P-word www.finansnorge.no What is difficult? • Summer 2016: questionaire to 1000 consumers • Confirmed: • Economical terms are incomprehensible to most people. • In plain language: they are totaly not understandable! www.finansnorge.no Finance Norway’s Plain Language Project Main goals • Better information to consumers about retirement pension • Better choices – better pensions • Reduce capasity and costs in costumer relations • Better language culture in the companies • Reputation and trust www.finansnorge.no Working methode • Steering group • Working grpup • Bilateral cooperation between each company