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Annual Report 1998 Unidanmark Unibank Contents
Annual Report 1998 Unidanmark Unibank Contents Summary . 6 Financial review . 8 The Danish economy . 14 Business description . 15 Retail Banking . 15 Corporate Banking . 21 Markets . 23 Investment Banking . 25 Risk management . 26 Capital resources . 33 Employees . 35 Management and organisation . 37 Accounts Accounting policies . 42 The Unidanmark Group . 44 Unidanmark A/S . 50 Unibank A/S . 55 Notes . 59 Unidanmark’s Local Boards of Shareholders . 84 Unibank’s Business Forum . 85 Branches in Denmark . 86 International directory . 88 Notice of meeting . 90 Management Supervisory Board of Unidanmark Jørgen Høeg Pedersen (Chairman) Holger Klindt Andersen Laurids Caspersen Boisen Lene Haulrik* Steffen Hvidt* Povl Høier Mogens Hugo Jørgensen Brita Kierrumgaard* Kent Petersen* Mogens Petersen Keld Sengeløv * Appointed by employees Executive Board of Unidanmark Thorleif Krarup Supervisory Board of Unibank Unibank’s Supervisory Board has the same members as the Supervisory Board of Unidanmark. In addition, as required by Danish banking legisla- tion, the Danish Minister of Business and Industry has appointed one mem- ber of the Supervisory Board of Unibank, Mr Kai Kristensen. Executive Board of Unibank Thorleif Krarup (Chairman) Peter Schütze (Deputy Chairman) Christian Clausen Jørn Kristian Jensen Peter Lybecker Henrik Mogensen Vision We are a leading financial services company in Denmark with a prominent position in the Nordic market. We ensure our shareholders a return in line with the return of the best among comparable Nordic financial services companies. Through our customer focus, efficient business processes and technology we create customer satisfaction and attract new customers. This confirms the customers in their choice of bank. Unibank is an attractive workplace where team spirit and customer focus are important criteria for individual success. -
Danish Sharing Economy and New Business Models April Rinne
SharingA Co-Created Magazine on the Sharing Economy City of Cities & Local Communities Danish Sharing April Rinne Opportunities for Economy and New — Global Perspectives on Better Mobility with Sharing Economy Business Models Sharing Economy? — Mark Lorenzen & — Søren Riis Emmy Laura Perez Fjalland READ: 24 New Sharing Economy Start-Ups / Annika Agger: On Sharing – Yours, Mine and Ours? PERSPECTIVE: Rethink Resources Within Your Business / TOPIC: What Role Should Municipalities Play in the Sharing Economy? / TOPIC: Scope of the Sharing Economy in Denmark / Resources for Further Thought 2 Article Authors (alphabetically) Ann Lehmann Erichsen Anne Grave Annika Agger April Rinne Bent Greve Brian Landbo Charlotte Fischer Sharing City Ditte Håkonsson A Co-Created Magazine on the Emmy Laura Perez Fjalland Sharing Economy of Cities & Local Ida Bigum Nielsen Ismir Mulalic Communities Jesper Kofoed-Melson Lars Pico Geerdsen Malene Freudendal-Pedersen Sharing City Project Owner Mark Lorenzen Nikolaj Sveistrup, Head of Cities programme, Martin von Haller Grønbæk Danish Architecture Centre Morten Bernhardt Søren Have Sharing City Project Manager Søren Riis Anne Grave, Senior Project Manager, Danish Architecture Centre Published First Editor and Head Journalist of Sharing City Magazine April 2017 Emmy Laura Perez Fjalland, Ph.D. Fellow, Roskilde University and Danish Architecture Centre ISBN 978-87-983096-4-2 Second Editor of Sharing City Magazine Brian Landbo, Rambøll Management Consulting Graphic Design Jakob Helmer — jakobhelmer.com In order to use this material, you must credit: The Danish Panel of Experts Architecture Centre ‘Sharing Mark Lorenzen, Professor, Copenhagen Business School City’, as well as photographers Bent Greve, Professor, Roskilde University when using pictures, and authors Martin von Haller Grønbæk, Partner, Bird & Bird Law Firm when using quotes or knowledge. -
The ANSFR Project
The ANSFR Project Workshop 2 - Frederikssund- Halsnæs 28th September – 1st October 2009 “European Exchange of Good Practice in Identification, Assessment and Management of Environmental Fire Risk” Report compiled by Frederikssund-Halsnæs Fire and Rescue Department and Northumberland Fire and Rescue Service 24th February 2010 This report documents the sessions and findings of the Frederikssund-Halsnæs Workshop, the second of four workshops to be delivered during the ANSFR Project. The workshop and the ANSFR Project are co-funded by the European Commission Directorate-General for Environment under the Civil Protection Financial Instrument, 2008 Call for Proposals (grant agreement number: 070401/2008/507848/SUB/A3). The European Commission is not responsible for any information contained within this document or for any use made of the information contained therein. © This publication, excluding logos, may be reproduced free of charge in any format or medium for research, private study or internal circulation within organisations. This is subject to information contained within the handbook being reproduced accurately and not being used in a misleading context. Northumberland Fire and Rescue Service, Frederikssund-Halsnæs Fire and Rescue Department, Corpo Nazionale dei Vigili del Fuoco – Nucleo Investigativo Antincendi, and the Emergency Services College Finland must be acknowledged as the owners of the material contained within this handbook and the title of the publication must be specified. Report compiled by: Dr. Robert Stacey ANSFR Project -
The Local Government Reform – in Brief
THE LOCAL GOVERNMENT REFORM – IN BRIEF Published by: The Ministry of the Interior and Health Department of Economics Slotsholmsgade 10-12 DK-1216 Copenhagen K Telephone: +45 72 26 90 00 Telefax: +45 72 26 90 01 E-post: [email protected] Homepage: www.im.dk Design: 1508 A/S Photo: Manipulation.as Print: SaloGruppen A/S Impression: 10,000 Price: free ISBN-no. (publication – Danish version): 87-7601-149-6 ISBN-no. (electronic – Danish version): 87-7601-151-8 ISBN-no. (publication – English version): 87-7601-152-6 ISBN-no. (electronic – English version): 87-7601-153-4 You can order the publication at: NBC Ekspedition Telephon: +45 56 36 40 48 Telefax: +45 56 36 40 39 E-mail: [email protected] Telephone opening hours: Monday-Thursday 9.30 a.m.- 4 p.m., Friday 9.30 a.m. - 3 p.m. The publication is available on the internet at the homepage of the Ministry of the Interior and Health (www.im.dk). Contents Contents...............................................................................................................................3 Preamble..............................................................................................................................4 Chapter 2 A New Map of Denmark ...................................................................................13 Chapter 3 Who will be doing what in the Public Sector? ...................................................22 Chapter 4 Public Economy after the Local Government Reform.......................................35 Chapter 5 Local Democracy..............................................................................................40 -
In the Footsteps of the Vikings
In the footsteps of the Vikings Experience five original Viking ships, that provide a unique perspective on Viking Age maritime culture. Visit the Boatyard and the scenic harbour. vikingeskibsmuseet.dk Explore the reconstruction of the largest Viking Kings Hall ever found, an impressive high seat fit for the warrior kings from the dawn of the Viking Age. sagnlandet.dk The Viking Village in Frederikssund gives you the opportunity to see a Viking settlement and experience how the Vikings lived and worked. vikingespil.dk Velkommen til Fjordlandet Med denne guidebog i hånden kan du gå på opdagelse i de fantastiske oplevelser, som Fjordlandet tilbyder. Fra UNESCO´s verdensarv i Roskilde Domkirke til vikingeliv i Sagnlandet Lejre, og fra Frederikssund Vikingespil til naturen i Nationalpark Skjoldungernes Land. Fjordlandet er Danmarks historie, fællesskaber, ordliv og græs på knæene. Kom langt væk fra hverdagen – kun et vikinge-stenkast fra storbyen. Tomas Breddam, borgmester i Roskilde Carsten Rasmussen, borgmester i Lejre John Schmidt Andersen, borgmester i Frederikssund With this guidebook, you Gehen Sie mit diesem can explore Fjordlandet with kleinen Reiseführer auf Ent- all the exciting adventures deckungsreise im Land der that it oers. From UNESCO’s dänischen Fjorde – Fjord- world heritage site at landet. Vom UNESCO Welt- Roskilde Cathedral to Viking kulturerbe im Dom zu Ros- life in the Land of Legends kilde bis hin zum Leben der Lejre (Sagnlandet Lejre) and Wikinger im Sagnland Lejre, from Frederikssund Viking dem Land der Legenden, Games to the scenic von den Wikingerspielen in landscape in Skjoldungernes Frederikssund bis zum Na- Land National Park. tionalpark „Skjoldungernes Fjordlandet is Danish history, Land“. -
Handelsbanken Annual Report 2009
20 09 Annual report Highlights of 2009 t 0QFSBUJOHQSPmUXFOUEPXOUP4&, NJMMJPO t 1SPmUCFGPSFMPBOMPTTFTHSFXCZQFSDFOUUP4&, NJMMJPO t 5IFMPBOMPTTSBUJPSPTFUPQFSDFOU BOEMPBOMPTTFTXFSF4&, NJMMJPO t 3FUVSOPOTIBSFIPMEFSTFRVJUZGPSUPUBMPQFSBUJPOTXBTQFSDFOU t *ODPNFJODSFBTFECZQFSDFOUUP4&, NJMMJPO t 'PSUIFmSTUUJNFFWFS JODPNFJO(SFBU#SJUBJOFYDFFEFE4&,CJMMJPO t /FUJOUFSFTUJODPNFSPTFCZQFSDFOUUP4&, NJMMJPO t 5IFBWFSBHFMPBOWPMVNFJODSFBTFECZQFSDFOUBOEIPVTFIPMEEFQPTJUTSPTFCZQFSDFOU t /FUGFFBOEDPNNJTTJPOJODPNFXFOUVQCZQFSDFOUUP4&, NJMMJPO t 5IFDBQJUBMCBTFBNPVOUFEUP4&,CJMMJPOBOEUIFDBQJUBMSBUJPBDDPSEJOHUP#BTFM**JODSFBTFEUPQFSDFOU t 5JFSDBQJUBMXFOUVQCZ4&,CJMMJPOUPCJMMJPOBOEUIF5JFSSBUJPBDDPSEJOHUP#BTFM**JODSFBTFEUPQFSDFOU t 1SPmUBGUFSUBYGPSUPUBMPQFSBUJPOTBNPVOUFEUP4&, NJMMJPO BOEFBSOJOHTQFSTIBSFXFSF4&, t 5IFCPBSEQSPQPTFTBEJWJEFOEPG4&,QFSTIBSF t )BOEFMTCBOLFOIBEUIFNPTUTBUJTmFECBOLDVTUPNFSTJOUIF/PSEJDDPVOUSJFTBOE(SFBU#SJUBJOBDDPSEJOHUPUIF4,*&14*TVSWFZ ANNUAL GENERAL MEETING (SHAREHOLDERS’ MEETING) FINANCIAL INFORMATION Location: Grand Hôtel, Vinterträdgården, Royal Entrance, The following publications can be downloaded or ordered from Stallgatan 4, Stockholm. Handelsbanken’s website: www.handelsbanken.se/ireng. Time: at 10 a.m. on Thursday, 29 April, 2010. tBOOVBMSFQPSUT tJOUFSJNSFQPSUT Notice of attendance tSJTLSFQPSUT Shareholders wishing to attend the AGM must: tDPSQPSBUFHPWFSOBODFSFQPSUT tCFFOUFSFEJOUIF3FHJTUFSPG4IBSFIPMEFSTLFQUCZ tGBDUCPPLT Euroclear Sweden AB (formerly VPC AB), at the latest on Friday, 23 April 2010. IMPORTANT DATES 2010 tHJWFOPUJDFPGUIFJSBUUFOEBODFUP -
Annual Report
Annual Report 2011 Handelsbanken in brief Handelsbanken is a full-service bank for both private and corporate customers with a nationwide branch network in Sweden, the UK, Denmark, Norway and Finland. The Bank views these countries as its home markets. Handelsbanken was founded in 1871 and currently has almost 11,200 employees working in 22 countries. SATISFIED CUSTOMERS ON ALL HOME MARKETS Every year, Swedish Quality Index (SKI) and EPSI carry out independent surveys of customer satisfaction, based on a European standard. The results for 2011 showed that Handelsbanken had the most satisfied customers of the big four Swedish banks. For private customers, this is the 23rd year running that Handelsbanken is number one in the survey. Handels- banken also had top positions in all the Nordic countries and the UK, among both private and corporate customers. SECOND STRONGEST BANK IN THE WORLD In spring 2011, the international news agency Bloomberg published a report on the world’s strongest banks with assets of over USD 100 billion. This showed Handels- banken to be the second strongest bank in the world 746 and the strongest bank in Europe, the Nordic region branches in and Sweden. Bloomberg used five different financial measurements 22 countries. to arrive at the result, including financial strength, the ability to manage risk and cost-effectiveness. LEADING POSITION ON THE INTERNATIONAL FUNDING MARKET Handelsbanken’s position on the funding market is the strongest in Europe. This was the result of a report in August 2011 by investment bank Morgan Stanley, where Handelsbanken had 203 per cent of the year’s long-term funding secured, while other banks had only met 70 –80 per cent of their funding requirements. -
Annual Report 2016
ANNUAL REPORT 2016 2 CONTENT 4 Preface by the director 6 Vision for Frederiksborg Fire & Rescue Service 7 Organization 10 Strategy & Coordination 12 International collaborations 14 Preventive Area 15 Fire Inspections 2016 16 Area of Operation 18 Turn-outs 2016 19 Vehicles and material 20 The supporting volunteer civil protection service 22 Junior fire brigades 22 Department of course coordination 23 Financial highlights 24 Expectations and future goals 3 PREFACE BY THE DIRECTOR Frederiksborg Fire & Rescue Service was born on January 1 2016. Frederiksborg Fire & Rescue Service is owned by the Municipalities of Hillerød, Furesø, Egedal, Halsnæs, Gribskov and Fre- derikssund. Many people looked forward and some perhaps even with a little concern to the beginning of this new emergency service, which is one of only 24 emergency services in Denmark. Especi- ally the proposal for new dimensioning of Frederiksborg Fire & Rescue Service in spring ga- ve rise to national as well as local debate. When a group of professionals with different po- ints of view meet to define a term such as “good professional emergency service”, it natu- rally gives rise to different understandings and differentiated opinions. A definition of the term “good professional emergency service” is not something one can just look up in a dictionary and that is exactly why the arguments and debates were often emotionally charged. There are many ways of structuring an emergency service. Moreover, the management felt that it was important to present the decision makers with the four options that tech- nically were available in order to provide them with the best possible knowledge basis. -
View Annual Report
20 08 Annual report Highlights of 2008 t0QFSBUJOHQSPmUTHSFXCZQFSDFOUUP4&,CJMMJPO t3FUVSOPOFRVJUZGPSDPOUJOVJOHPQFSBUJPOTXBTQFSDFOU t/FUJOUFSFTUJODPNFSPTFCZQFSDFOUUP4&,CJMMJPO t5IFBWFSBHFWPMVNFPGMPBOTJODSFBTFECZQFSDFOUBOEIPVTFIPME EFQPTJUTSPTFCZQFSDFOU t5IFCPBSEQSPQPTFTBOPSEJOBSZEJWJEFOEPG4&,QFSTIBSF t5IF#BOLIBEBQQSPYJNBUFMZ FNQMPZFFT t)BOEFMTCBOLFOIBEUIFNPTUTBUJTmFEDVTUPNFSTJOUIF/PSEJD DPVOUSJFTBDDPSEJOHUPUIF4,*&14*TVSWFZT FINANCIAL INFORMATION Notice of attendance Handelsbanken’s annual reports, annual reviews and Shareholders wishing to attend the AGM must: interim reports can be ordered from Handelsbanken’s website: t CFFOUFSFEJOUIFSFHJTUFSPGTIBSFIPMEFSTLFQUCZ www.handelsbanken.se/ireng. Euroclear Sweden AB (previously VPC AB) by Thursday, 23 April 2009. IMPORTANT DATES 2009 tHJWFOPUJDFPGUIFJSBUUFOEBODFUP 28 April Interim report January – March 2009 Board Office, Handelsbanken, Kungsträdgårdsgatan 2, 29 April Annual general meeting SE-106 70 Stockholm, Sweden, phone +46 8 701 19 84, 21 July Interim report January – June 2009 or online at www.handelsbanken.se/bolagsstamma at 28 October Interim report January – September 2009 the latest by 3 p.m. on Thursday, 23 April 2009. ANNUAL GENERAL MEETING To be entitled to take part in the AGM, any shareholders Place: Grand Hôtel, Vinterträdgården, whose shares are nominee-registered must also request a tem- Royal entrance, Stallgatan 4, Stockholm. porary entry in the register of shareholders kept by Euroclear. Date: Wednesday, 29 April 2009, 10 a.m. Shareholders must notify the nominee about this well before 23 April 2009, when this entry must have been effected. Dividend The board proposes that the record day for the dividend be Tuesday, 5 May 2009. If the AGM votes in favour of the proposal, Euroclear expects to send the dividend to shareholders on Friday, 8 May 2009. Svenska Handelsbanken AB (publ) Corporate identity number: 502007-7862 Registered office: Stockholm www.handelsbanken.com This annual report is also available in Swedish. -
1. Geographic and Administrative Division of the Öresund Region in the Örestat Databank
Date: 15 May 2014 Author, Statistics Denmark: Michael Berg Rasmussen 1. Geographic and administrative division of the Öresund Region in the Örestat databank Geographic delimitation of The Örestat databank defines the Öresund Region as an area the Öresund Region comprising: In Denmark - Region Hovedstaden (Copenhagen Region) and Region Sjælland with municipalities (i.e. all Danish municipalities located east of the Great Belt). In Sweden – Skåne Län with municipalities Location of the Öresund Region Öresund statistics compiled In the Örestat databank, the statistics covering the Öresund Region are at 5 geographic levels compiled at 5 different levels: Municipality, province, region, main province and the total Öresund Region. To this is added, a metropolitan area for Malmø and the reference areas that make up parts of Denmark and Sweden located outside the Öresund Region. Municipality as the smallest The municipality is the smallest geographic unit in the Örestat databank. geographic unit In most tables, the statistical data are presented at this level. Applying Örestat databank’s aggregation tool opens up the possibility of undertaking summation of data at municipal level, to a higher geographic level (province, region, etc.) However, it should be noted that in cases where summation is meaningless (e.g. statistics showing unemployment rates, price indexes, and the like), undertaking summation is not possible. Statistics on levels of larger In some statistics, it is not possible to obtain statistics at municipal level, geographic units due to statistical uncertainty, non-disclosure practice, etc. Here, geographic areas, such as provinces (in Sweden called regional areas) regions and main provinces (in Sweden called provinces) are the smallest geographic building stones. -
Contemporary House for Sale Denmark, Capital Region, Slangerup
Contemporary House For Sale Denmark, Capital Region, Slangerup POA € QUICK SPEC Year of Construction 2014 Bedrooms 3 Half Bathrooms Full Bathrooms 3 Interior Surface approx 238 m2 - 2,561 Sq.Ft Exterior Surface approx TBA m2 - TBA Sq.Ft Parking 2 Cars Property Type Single Family Home TECHNICAL SPECIFICATIONS The house is located on the edge of the slope at the south bank of Buresø. The huge site is covered with big trees and no neighbours are visible. It is a long narrow house built with a wooden construction and cladded with Douglas pine. The house is divided into a 208 m2 main house and a annex of 30 m2. The north facade with the lake view is a long glass facade with sliding doors,. The south facade is closed except from the kitchen and livingroom which has a big glazed area, which gives a view through the house and catches the lake view at the arrival. The site is in focus and the big windows frame the nature beautifully from inside and reflects the trees outside. Inside skylights are placed sporadically, which gives space for sunbeams, the view of the sky and the treetops. They are placed almost horizontal on the roof, so they are not visible from the outside. The sunbeams give a kaleidoscopic light specific places in the house. PROPERTY FEATURES BEDROOMS • Master Bedrooms - • Total Bedrooms - 3 • Suite - BATHROOMS • Full Bathrooms - • Total Bathrooms - 3 • Half Bathrooms - OTHER ROOMS • • Living Room, Kitchen And Bedrooms With Forest Views • The House Is Divided Into A 208 M2 Main House And A Annex Of 30 M2. -
Internal Migration and Regional Population Dynamics in Europe: Denmark Case Study
This is a repository copy of Internal Migration and Regional Population Dynamics in Europe: Denmark Case Study. White Rose Research Online URL for this paper: http://eprints.whiterose.ac.uk/5018/ Monograph: Kupiszewki, M., Illeries, S., Durham, H. et al. (1 more author) (2001) Internal Migration and Regional Population Dynamics in Europe: Denmark Case Study. Working Paper. School of Geography , University of Leeds. School of Geography Working Paper 01/02 Reuse See Attached Takedown If you consider content in White Rose Research Online to be in breach of UK law, please notify us by emailing [email protected] including the URL of the record and the reason for the withdrawal request. [email protected] https://eprints.whiterose.ac.uk/ WORKING PAPER 01/02 INTERNAL MIGRATION AND REGIONAL POPULATION DYNAMICS IN EUROPE: DENMARK CASE STUDY Marek Kupiszewski1,2 Sven Illeris3 Helen Durham1 Philip Rees1 1School of Geography The University of Leeds Leeds LS2 9JT, UK 2Institute of Geography and Spatial Organisation Polish Academy of Sciences Twarda 51/55 00-818 Warsaw, Poland 3Department of Geography Roskilde University PO Box 260 4000 Denmark PUBLISHED MAY 2001 ALL RIGHTS RESERVED For further copies contact the Working Paper Secretary, School of Geography, University of Leeds, Leeds LS2 9JT Telephone 0113 233 3300 ii CONTENTS Page LIST OF TABLES v LIST OF FIGURES v ABSTRACT vi ACKNOWLEDGMENTS vi 1. CONTEXT 1 2. INTERNAL MIGRATION AND POPULATION CHANGE REVIEWED 2 3. METHODS USED AND DATA EMPLOYED 6 3.1 Geographical scale, geographical units and variables used 6 3.2 Digital boundaries and mapping techniques 6 3.3 Variables and key indicators used 6 3.3.1 Population and population change data 8 3.3.2 Migration 8 3.3.3 Births and deaths 9 3.3.4 Population density 9 3.3.5 Size class of communes 10 3.3.6 Classification by the level of urbanisation and commuting patterns 10 3.3.7 The economic classification of communes 11 3.3.8 Unemployment 11 4.