Table des matières. Construction du nouveau siège de la Sonatel : La première pierre posée

Dimension: px
Commencer à balayer dès la page:

Download "Table des matières. Construction du nouveau siège de la Sonatel : La première pierre posée ------------------------ 8"

Transcription

1 Semaine 47 du 22 au 28 novembre 2010 N 149 Table des matières Orascom sells Tunisiana stake for $1.2 bln Postbank enters race for money transfer market Tunisie : Tunisiana valorisée à 3,4 milliards de dinars Construction du nouveau siège de la Sonatel : La première pierre posée Le paiement sur mobile, alternative à la carte de crédit? Africa: Seizing the Opportunity of Mobile Technology for Health and Medicine Kenya: Press Releases: Airtel and Nokia Launch KES1,850 Handset Offer Airtel Launches Brand Across its Operations in Africa The heat is on for operators in Africa s mobile space Orascom Telecom Rebrands Namibian Cell One as Leo, Other Units to Follow Telecommunication-Nigeria: Multi-links telkom quits CDMA operations Télécommunications: Bharti Airtel s'implante au Ghana Zain Malawi finally rebrands to Airtel La Fondation Bill Gates appuie M-Pesa en Tanzanie Visafone Nigeria leader de la technologie CDMA en Afrique Le SMS en Tunisie est parmi les moins tarifiés dans le monde arabe Tata Communications drives new investments into Africa Zain Nigeria rebranded as Airtel Nigeria Airtel unveils new brand for Zain Kenya Globacom unveils new tariff packages Performances Veille 2010 Performances MC - - Tous droits réservés 1

2 TAXE SUR LES APPELS INTERNATIONAUX ENTRANTS: Le président Wade annule le décret Téléphonie: Qatar Telecom va acquérir la totalité de Tunisiana Five African Countries Agree to Coordinate Radio Spectrum Policies Orascom Telecom Sells 50% Stake in Tunisiana to Qtel for $1.2 Billion Telefonica to launch low cost mobile operator Le PM à la Sonatel : «Faciliter l accès aux télécoms à tous les Sénégalais» Data centres hold potential for African property developers Nigeria : important projet GSM de localisation dédié à la police Exclusive interview: The woman behind M-PESA M-PESA currently has 21,000 registered users in South Africa, Vodacom CEO Pieter Uys said in a radio interview with Moneyweb Kenya: Press Releases: Telkom Orange Receives License for KES3bn National 3G Rollout Sénégal : SONATEL, ou comment faire de la 3G sans licence Uganda's rural communication fund lauded Ghana: Funding to support mobile crop information project France Telecom Mulling Iraqi Investment Telecel Zimbabwe introduces per second billing Uganda s Mobile Tariff Competition: How Low Can You Go? Bharti Airtel to shake things up in Nigeria T-Mobile and Orange Testing Dual-Branded Retail Stores Téléphonie mobile-madagascar: Zain devient Airtel GSMA Commends Senegal s President Wade for Suspending Surtax on International Calls Didier Kla, Directeur des études et développement à OCIT : Orange ne roule pour personne Télécoms : Les graves conséquences économiques de l annulation du décret Gabon / Téléphonie mobile : Airtel affiche ses ambitions au Gabon Licences 4G : Besson veut 4 lots et un coup de pouce aux MVNO Alcatel place 500 millions d'euros d'obligations Performances Veille 2010 Performances MC - - Tous droits réservés 2

3 L'Irak est une zone stratégique pour France Télécom Blackberry reste prisé par les entreprises France Télécom s intéresse au marché irakien Cap sur les marchés émergents Enorme scandale dans la téléphonie mobile en Inde La TV du futur vous identifie et vous propose le menu Swisscom lance l internet mobile à deux vitesses Comment financer l'internet du futur? Téléphonie: Qatar Telecom va acquérir la totalité de Tunisiana ios 4.2: la localisation de son iphone et ipad devient gratuite Licence mobile 4G : Besson veut mettre les MVNO dans le coup Free épinglé sur ses offres illimitées le gendarme des télécoms fait un pas vers les consommateurs Évolution des innovations dans les télécoms - Histoire, techniques, acteurs et enjeux Tunisie. La bataille des télécoms ne fait que commencer Performances Veille 2010 Performances MC - - Tous droits réservés 3

4 Orascom sells Tunisiana stake for $1.2 bln By Tamara Walid and Tom Pfeiffer DUBAI - Orascom Telecom (ORTE.CA: Quote) has sold its 50 percent stake in Tunisian mobile operator Tunisiana to a Qatari-Tunisian consortium for $1.2 billion, a deal that will help repay Orascom's debts. The consortium includes Qatar Telecom's (QTEL.QA: Quote) (Qtel) Kuwaiti unit Wataniya (NMTC.KW: Quote), which already owns 50 percent of Tunisiana, the Qatari fixed line and wireless carrier said on Monday. Orascom's shares jumped 3.6 percent in early trade on Egypt's main index.egx30 after the announcement of the sale. Wataniya shares rose 2.1 percent to close at a two-year high. Proceeds will be used to cut Orascom's debt, its parent company Weather Investments said. "...the proceeds of the sale will be used in part to repay Orascom Telecom's outstanding indebtedness and will therefore reduce the amount of indebtedness that will need to be refinanced by Vimpelcom as a result of the transaction," Weather said. [ID:nWEA0935] Weather Investments -- the vehicle through which Egyptian billionaire Naguib Sawiris controls his telecoms empire -- agreed on Oct. 4 to sell most of Orascom's assets to Russian telecoms operator Vimpelcom (VIP.N: Quote) in a potential $6.6 billion deal to create the world's fifth biggest mobile phone operator. CONSORTIUM But Sawiris has said the chances of completing the merger between his company and Vimpelcom are at best 50 percent. The deal faces hurdles in Algeria as well as regulatory issues in other countries. [ID:nLDE6A60E0] Vimpelcom's board is expected to decide on the merger at a board meeting by the end of November or mid-december. Wataniya has bought the Tunisiana stake from Orascom in a consortium led by Princesse Holding of Tunisia, Qtel said. Of the 50 percent stake, 75 percent is expected to go to Wataniya and 25 percent to Princesse Holding, subject to approval by Tunisian regulators, a source familiar with the deal told Reuters. Kuwait's National Mobile Telecoms Co (Wataniya), a 52.5 percent subsidiary of Qtel, and the consortium said it would work with Tunisian authorities to finalise the transaction and expects to close the deal with Orascom early January Qtel has expanded rapidly abroad to mitigate the loss of its monopoly after Vodafone Qatar (VFQS.QA: Quote), a unit of Britain's Vodafone (VOD.L: Quote), entered the Qatari market. Wataniya will finance its portion of the deal through a mixture of cash and debt. Performances Veille 2010 Performances MC - - Tous droits réservés 4

5 "The deal will be financed by Wataniya. None of the proceeds from Qtel's bond issues will be used in financing the deal," a Qtel spokesman told Reuters. Qtel's had launched a $1.25 billion two-part bond issue in October. [ID:nN ] Wataniya reported in October a 44.8 percent drop in 9-month net profit. [ID:nLDE69H1F4] (Reporting by Tamara Walid; Editing by Reed Stevenson and Jane Merriman) Postbank enters race for money transfer market President Kibaki is led on an exhibition tour of PostBank historic transactions by managing director Mrs Nyambura Koigi as the bank's celebrated its 100 years on Nov 22, 2010 in Nairobi. Postbank has entered the crowded multi-billion shilling money transfer market, intensifying turf wars in the sector dominated by telecoms companies and banks. By PAUL WAFULA ( the author) Postbank has entered the crowded multi-billion shilling money transfer market, intensifying turf wars in the sector dominated by telecoms companies and banks. Postbank Express, launched on Monday, targets the domestic market. The bank is celebrating its 100 years. Last year, the firm partnered with MoneyGram International to offer money transfers within the country and internationally. The Postbank product is entering a field where other tools; PesaPal, Mama Mikes, Western Union, Ushindi mobile money, among others, are in a cut-throat competition. Telecom firms have also introduced products in the financial services sector that allow bulk remittance payments, borrowing of loans, payment of bills, salary advances, financial education, and deposits. They include Equity Bank s M-Kesho and Iko Pesa and Family Bank s Pesa Pap. Speaking during its centennial celebrations on Monday, Postbank also renewed its push to have an expanded mandate in business including starting to lend to customers, which it is not allowed to do. Kenya Post Office Savings Bank, started in 1910 as Savings Bank, is only allowed to have savers but not borrowers, meaning it cannot use deposits of over 1.3 million accounts to generate profits. Performances Veille 2010 Performances MC - - Tous droits réservés 5

6 Figures available at the Central Bank of Kenya show that Postbank has been accumulating deposit balances standing at over Sh11 billion in December We are also keenly aware that the financial needs of our people have over time evolved due to the changing economic environment. Our potential to provide sustainable financial services for the un-banked low income individuals remains vast. We are hoping the government will allow us to start offering credit in the near future, said Postbank Board of Directors chairman Wilson Kinyua. Challenging Postbank to offer clients a full range of financial services, President Kibaki said Finance and Information and Communications ministers were exploring how the institution could offer universal postal and financial services so as to boost national savings from the current 16 per cent of GDP to 28 per cent. The President urged Kenyans to adopt the culture of saving, saying it creates a reliable foundation for sustained wealth creation. In the absence of lending business, Postbank has been expanding not only on savings products but also on channels for delivering their services. The firm has such services as cash collection, payments of salaries and pension, safe custody and has links with money transfer services. Postbank was the pioneer agent of Western Union Financial Services International in Kenya and is currently linked to over 379,000 agents worldwide. Keen to increase consumption of its products by it 1.3 million customers, it has over 658 ATMs including its own and those accessed in partnering with PesaPoint and Kenswitch. Countrywide, it has a network of 92 online branches and a further 350 outlets through an agency arrangement. Postbank has also introduced Point of Sale terminals, debit cards, and the mobile phones banking product PataCash an SMS system that allows deposits or withdraws through M-Pesa. Tunisie : Tunisiana valorisée à 3,4 milliards de dinars L accord de cession des 50% du capital d Orascom Telecom Tunisie (OTT Tunisiana ) contrôlé par le groupe égyptien Orascom Telecom Holding (OTH) par le biais d Orascom Tunisia Holdings (OTuH) et Carthage Consortium, pour 1,2 milliard de dollars, valorise Tunisiana à 2,4 milliards de dollars, soit au cours actuel du dollar (1,416) à près de 3,4 milliards de dinars tunisiens. A ce prix, Naguib Sawiris estime faire une très bonne affaire, cette transaction correspond en effet à une valorisation égale à 6,7 fois l EBITDA 2009 (384 millions de dollars ou 521 millions de dinars), et il ne demanderait certainement pas mieux que d obtenir la même chose pour OTA-Djezzy, soit près de 7 milliards de dollars en appliquant le même multiple EBITDA. Sur l ensemble de l investissement OTT, le groupe OTH annonce avoir dégagé un rendement annuel de près de 40%. Pour l exercice 2009, le bénéfice net avait atteint 230 millions de dinars. Ramenée aux résultats 2009, cette valorisation correspond, également, à 3,4 fois le chiffre d affaires et près de 10 fois le bénéfice de l exercice 2009 (sur la base des chiffres consolidés publiés par OTH et par Wataniya). Performances Veille 2010 Performances MC - - Tous droits réservés 6

7 Il faut rappeler que la licence GSM a été remportée par Orascom Telecom Holding (OTH) pour la somme de 454 millions de dollars et payée en deux fois en mai 2002 et en septembre Le prix de cession avait alors été jugé comme étant exceptionnel compte tenu des prix observés dans d autres pays. L alliance Qtel - Princesse Holding Un accord en deux temps, OTH signe un accord de cession en cash de la totalité de sa participation dans OTT-Tunisiana à Qatar Telecom ; de son côté, Qtel conclut, via sa filiale Wataniya, un accord avec un consortium tunisien mené par Princess Holding dirigée par Mohamed Sakher El Materi pour le rachat de ces 50% d OTH. Pour l instant, officiellement, aucune précision sur la répartition de cette participation entre Wataniya et le consortium tunisien ainsi que sur la composition du consortium. Pourquoi vendre et acheter Tunisiana? Avec les péripéties de l affaire Djezzy en Algérie, le groupe Orascom Telecom Holding est, depuis plusieurs mois, à la recherche de solutions pour faire face aux besoins en liquidités de son groupe. Jusqu à il y a deux ans, Orascom Telecom Algérie (OTA-Djezzy) assurait, en effet, une part importante des flux de trésorerie du groupe (400 à 500 millions de dollars par an selon la presse algérienne). Son alliance avec le groupe russe Vimpelcom ne semblant pas changé la donne pour les autorités algériennes qui restent décidées à récupérer Djezzy. Ainsi et en moins de trois ans, OTA a subi deux redressements fiscaux pour 600 millions de dollars (exercices ) et 230 millions de dollars pour les exercices , sans compter les difficultés rencontrées au niveau de l exploitation. L expérience algérienne du groupe égyptien, l impossibilité pour OTH d avoir le contrôle de Tunisiana (il avait bien essayé par le passé de racheter les 50% de Wataniya sans succès), et une réaction plutôt défavorable des autorités tunisiennes à l annonce de son alliance avec Vimpelcom, ont probablement fini par le convaincre de céder sa participation à un prix, selon Naguib Sawiris lui-même, qui reste très favorable. Pour Sheikh Abdullah Bin Mohammed Bin Saud Al-Thani, président du groupe Qtel, le renforcement de la position du groupe dans le capital de l opérateur tunisien est conforme à la stratégie du groupe qui vise à se positionner parmi les 20 premières entreprises de télécommunications dans le monde, et considère que le prix d achat convenu avec OTH est un bon prix. Performances Veille 2010 Performances MC - - Tous droits réservés 7

8 Ce qui pourrait changer Au niveau du management, Qtel via sa filiale Wataniya connaît très bien la maison Tunisiana, étant actionnaire à hauteur de 50% depuis le début et a accompagné de l intérieur l évolution de l entreprise. L augmentation de sa part dans le capital va lui permettre de renforcer son contrôle sur la gestion d OTT et développer plus facilement les synergies avec les autres filiales du groupe. Sur un autre plan, la direction de Qtel estime que cette alliance avec des partenaires locaux, notamment avec la participation active et l appui du groupe Princess Holding, représentera un avantage important pour la réalisation de la nouvelle phase du développement des activités de Tunisiana, notamment par le lancement de services avancés, novateurs et compétitifs sur le marché tunisien (3G, téléphonie fixe, ). Construction du nouveau siège de la Sonatel : La première pierre posée Par Cheikh NDONG Mis en ligne le :16:50 La Sonatel s est engagée dans un projet de construction de son nouveau siège sur la Vdn. La première pierre de cet édifice a été posée hier, mardi 23 novembre, par le Premier Ministre, Souleymane Ndéné Ndiaye en présence des Directeurs généraux de la Sonatel et de France Télécoms. Après un quart de siècle de développement des télécommunications au Sénégal, la Sonatel souhaite construire un nouveau siège au nouveau de la Vdn. La pose de la première pierre a été faite hier, mardi 23 novembre par le Premier Ministre, Souleymane Ndéné Ndiaye. «Ce nouveau siège sera très prochainement un lieu où convergent et cohabitent les technologies de pointe, les références culturelles à cette terre multi millénaire qu est le continent africain, tout en restant dans un pragmatisme tout contemporain», a martelé le Directeur Général de la Sonatel et tout nouveau Président du Conseil d Administration de la Senelec, Cheikh Tidiane Mbaye. Ce dernier d ajouter : «c est donc un projet architectural à la fois futuriste et ancré dans notre culture et nos valeurs ; des valeurs de partage, de convivialité et d échanges». Le directeur général de la Sonatel a aussi estimé que la pose de cette pierre se fait dans un contexte particulier qui remplit tous Sonatéliens de fierté et d espoir en l avenir : «celui de 25 ans de notre entreprise». Le Directeur Général de France Télécoms, M. Stéphane Richard, quant à lui, a souligné que la Sonatel a joué un rôle essentiel dans l économie du Sénégal et des pays voisins. Car, selon lui, Performances Veille 2010 Performances MC - - Tous droits réservés 8

9 un gain de 10 points en pénétration de téléphonie mobile entraîne une hausse additionnelle de 0.81% du Pib, tandis qu une hausse semblable de la pénétration du haut débit entraînerait une hausse du Pib de 1.4%. C est dans cette optique que le patron de France Télécoms a déclaré : «notre performance économique n a de sens que si elle s accompagne du développement économique et social durable des populations». Pour cela, estime t-il, «nous offrons en en Afrique le meilleur des services de Groupe pour une croissance économique durable et un partenariat gagnant-gagnant». Le Premier Ministre, Souleymane Ndéné Ndiaye qui a posé la première pierre de cet édifice, en compagnie des responsables de la Sonatel et de France Télécoms, a soutenu que les télécommunications constituent une grappe de croissance dynamique et contribuent à hauteur de 8% au Pib. Le paiement sur mobile, alternative à la carte de crédit? LEMONDE.FR h30 Mis à jour le h40sponsorisés par Un système de paiement par smarphone.d.r. Qui obtiendra la mainmise sur votre porte-monnaie mobile? Opérateurs, géants du Web et start-up rivalisent pour rendre incontournable leur mode de paiement depuis un terminal nomade. Si la première phase dans la bataille des smartphones a été celle des applications, la seconde pourrait être celle des systèmes de paiement. L'enjeu est de taille. Comme le montre l'étude Mobile Payments 2010 (fichier PDF), les prévisions doivent être prudentes, mais pourraient se chiffrer en milliards d'euros. "De nombreuses initiatives de paiement mobile demeurent à un stade expérimental", rappelle l'étude, mais sont largement démocratisées en Corée du Sud ou au Japon, mais aussi en Australie, aux Philippines et au Kenya. Aux Etats-Unis, les opérateurs, en première ligne, tentent déjà d'imposer une nouvelle norme, la technologie sans contact NFC (Near Field Communication), pour transformer les smartphones en substitut de carte de crédit. Trois grands opérateurs de téléphonie mobile, Verizon Wireless, AT&T et T-Mobile, viennent de créer une co-entreprise qui devrait faciliter l'expansion des systèmes de paiement sur téléphone portable. La co-entreprise, baptisée Isis, sera "un réseau national de commerce sur portable visant à transformer la façon dont les gens font leurs courses, paient et économisent", selon un communiqué des opérateurs. A la mi-novembre, Eric Schmidt, le PDG de Google, a présenté un Performances Veille 2010 Performances MC - - Tous droits réservés 9

10 modèle de smartphone, sans toutefois en préciser la marque, intégrant une puce compatible NFC. Nokia, leader mondial de la téléphonie mobile, et le fabricant canadien du BlackBerry, Research in Motion, sont aussi intéressés par cette technologie. Mais après s'être imposés sur le Web, les leaders du paiement en ligne, comme PayPal, tentent aussi de trouver de nouveaux relais de croissance sur les appareils mobiles. Le service, propriété d'ebay, revendique 90 millions d'utilisateurs et un chiffre d'affaires au troisième trimestre de 838 millions de dollars (597 millions d'euros). PayPal a mis à disposition des développeurs un outil permettant d'intégrer dans leurs applications sa solution de paiement. Selon les chiffres de l'entreprise, ce type de service, inclus dans applications mobiles, correspond à un volume de transactions d'un milliard de dollars (747 millions d'euros) en DES START-UP AGRESSIVES De jeunes pousses, comme Obopay et Zong, qui proposent aux utilisateurs de smartphones de payer directement depuis leur appareil, essaient aussi de gagner des parts de marché. D'autres petites entreprises, comme Boku, qui a pour l'heure reçu 38 millions de dollars (28,4 millions d'euros) d'investissements, susciteraient même les convoitises de géants comme Apple et Google, selon Techcrunch. D'après les sources du site spécialisés, les prétendants devraient débourser au moins 250 millions de dollars (187 millions d'euros) pour racheter la start-up, qui a su nouer de nombreux partenariats avec les opérateurs américains. Face à ces nombreux concurrents, les fournisseurs de cartes de crédit optent pour une stratégie offensive, fournissant, comme PayPal, une plate-forme de développement pour intégrer leurs services. L'an passé, "Visa, MasterCard et American Express ont dépensé environ 3 milliards de dollars pour acheter des systèmes de paiement en ligne", souligne aussi le magazine Businessweek. Au mois d'août, MasterCard a notamment dépensé plus de 400 millions d'euros pour acquérir le britannique DataCash. Laurent Checola Africa: Seizing the Opportunity of Mobile Technology for Health and Medicine Alison Bloch Each year, millions of people die from preventable diseases. At the recent 2010 mhealth Summit in Washington D.C., Bill Gates, chairman of Microsoft, discussed the opportunity for mobile technology to help reverse this tide by supporting vaccine and patient information delivery. We should also look to seize the opportunity that the growing reach of cell phones presents to improve access to life-saving medicines. Mobile health (mhealth), or the use of wireless networks and mobile devices to support health care, offers several solutions and models of success. Already, tools like Ghana-based Sproxil and mpedigree are enabling health providers and consumers to use mobile technology to track and verify the origin and authenticity of their medications. At the mhealth Summit, I chaired a panel with representatives from the diverse groups that are needed at the table for this discussion: the pharmaceutical industry, academia, the telecommunications sector, nonprofits and social enterprises. We tackled issues of drug affordability, appropriate use of medicines and supply chain dynamics, and the surge in pilot programs using mhealth solutions to deal with these issues. Performances Veille 2010 Performances MC - - Tous droits réservés 10

11 We must now ask the questions: how can we best use information and communication technologies (ICTs), particularly mobile, to enable better data and health information transfer at key delivery points? And more importantly, how can these technologies be incorporated into larger efforts to deliver essential medicines and lead to overall health system strengthening? Prashant Yadav, a global health supply chain guru, remarked that his research shows that "better information flow outperforms holding more [drug] stock closer to the health facility." It appears that we need to rethink how we approach and design strategies for improving access to medicines and how to incorporate all available tools at our disposal. To do this, we should consider the following: 1) The need to motivate individuals and organizations to submit data and information is crucial. Without information, there is no way to inform decision-making, especially when it comes to time-sensitive actions like the allocation of resources and commodities. This includes the ability to reduce stockouts of vital medicines and vaccines, manage inventory, track patient outcomes, forecast demand and more. During a recent mhealth pilot led by Pfizer, individuals were given incentives for collecting and submitting data via their mobile phones. This incentive program resulted in a percent submission rate, creating an incredible increase in the amount of information being shared. Now that we know that incentivizing is critical to enabling the flow of data, our challenge is how to subsidize those incentives in a sustainable way. Who should bear that cost? And what is the role of the telecommunications industry? 2) Leveraging mobile financial services (mmoney, mbanking and the like) to help improve access to medicines and drive both supply and demand for related health services. Mobile finance tools can be used to determine when, where and how money is flowing throughout the global health supply chain. The flow of financial data related to health has the potential to increase transparency about the cost of drugs, contract execution, budget allocation and the efficiency of donor financing. Such transparency also has the potential to reduce corruption and decrease counterfeiting activities. With the ability to track and trace drugs, manage inventory, and literally "follow the money," governments, donors, the private sector, NGOs and more will be empowered to make informed, strategic decisions. Mobile financial services can further support improved access to medicines by enabling services like micro-insurance payments for prescriptions, electronic vouchers for vaccinations, payment of health worker salaries and conditional cash transfers. 3) The importance of a cohesive mhealth infrastructure and efforts directed toward systemic growth. Currently, many mhealth applications are single-use or "point" solutions specific to only one population or built to solve just one problem. This approach is not the answer for long-term viability and sustainability. For mhealth solutions to have significant and lasting impact, it is critical that we address health systems from a more comprehensive perspective. Linking mhealth applications with logistics and management platforms and enabling coordination across all health sectors, and other linked sectors, will lead to improved outcomes and long-term solutions for health and access to medicines. VillageReach's use of a "hybrid, interdisciplinary approach" is an example of such an effort. UN Foundation Specialists in mobile technology say it can profoundly improve health care in developing countries. The opportunity for mhealth to improve access to medicines is further explored in a forthcoming publication I wrote with the mhealth Alliance. In the report, we identify and discuss core areas where mhealth solutions can most influence a pa- Performances Veille 2010 Performances MC - - Tous droits réservés 11

12 tient's ability to access essential medicines. Findings include the need for an integrated endto-end information system to capture and distribute critical health data, the development of standards for tracking drugs and relaying information, a system of identification for patients, a push to educate the public and lower level health providers about drugs, and a concerted effort to increase the reach and ability of health personnel. The report also identifies publicprivate partnerships as a key driver in developing sustainable solutions for access to medicines and global health overall. It is clear that mhealth has the potential to improve access to medicines and strengthen health systems and economic development worldwide. Our challenge now is to keep the conversation going, and to improve and expand upon the success already being realized through the use of mobile technology. Alison Bloch is managing partner at Mobile Health Solutions, Arc Spring Group Kenya: Press Releases: Airtel and Nokia Launch KES1,850 Handset Offer Nairobi, 22 November With the continental rebrand of all Zain Africa operations to Airtel, Airtel Kenya have launched a virtually free handset and airtime bundled sales offer. Airtel Kenya Managing Director Rene Meza confirmed that for just KES1,850, Airtel Kenya customers can now purchase the bundled package comprising of a brand new Nokia 1280 handset and an Airtel SIM card. The offer, Meza said, is geared at connecting unconnected Kenyans and will also allow the new Airtel subscribers to enjoy an equivalent amount in free talk time over the first 12 month period once they load any amount of Airtel credit to the SIM card. We re driven by the vision of making mobile communications affordable and available for all. Access to mobile communications will give people the freedom to achieve their goals in life, transforming how people communicate and how communities interact. Delivering on that opportunity through affordable and available mobile communications for everyone is our focus and this new Airtel package effectively removes the cost of entry for even the poorest people in the most remote areas. Airtel is partnering with world class telecommunications infrastructure suppliers to extend its networks to rural areas which are at present disconnected from the world and ensure that Airtel has the best quality network in Kenya. Nokia East and Southern Africa General Manager Mr Kenneth Oyolla said: The mobile handset is the device truly able to bridge the digital divide and impact the lives of people across the continent for the better, catalyzing economic growth and social development. It connects people to the world in some cases for the first time - and gives people everywhere access to education, healthcare and banking services. By effectively giving away a brand new Nokia mobile phone for free and providing a SIM card plus talk time and SMS credits, now everyone in Kenya can unleash the opportunities that mobile communications provide. This Airtel package gives them the freedom to achieve their goals in life and Nokia is very excited to be part of this great programme. Performances Veille 2010 Performances MC - - Tous droits réservés 12

13 Airtel Launches Brand Across its Operations in Africa Nairobi, 22 November 2010: Bharti Airtel, a leading global telecommunications company with operations in 19 countries across Asia and Africa, today launched the Airtel brand and unveiled the new brand identity across its 16 African operations including Kenya. With the unveiling of the new brand identity Airtel, becomes the master brand for all the group s 19 operations in Asia and Africa covering over 200m customers. Here in Kenya, Airtel replaces the Zain brand and comes with the promise of delivering high quality customer benefits through the power of global Airtel brand. In tandem and going forward, all Airtel Kenya future new products and services will follow the Airtel brand structure. In Kenya, just as in all other Airtel markets in Africa, fast growing ZAP mobile money service has also re-branded into Airtel Money with immediate effect. In a communiqué released in Nairobi, Bharti Airtel CEO (International) and Joint Managing Director Mr. Manoj Kohli said that the continental rebrand to Airtel now brings together all the firm s operations under a single, strong and unique identity. "Airtel brings together all our operations under a single, strong and unique brand identity. We can deliver more for our customers by operating as a single brand across Africa to fulfill our vision of providing affordable and innovative mobile services for all customers. The new youthful identity will be the most loved brand in the daily lives of African people for years to come. Our customers will experience the same familiar brand and enjoy consistent quality of service, reliability, innovation and affordability wherever they live, work or travel. Airtel will also make a positive impact in the communities in which we operate through extending our network to rural areas and through our education initiatives. Airtel Kenya Managing Director Rene Meza expressed the firm s commitment to bridging the digital divide with a strategic goal to win the customers hearts in Kenya. We remain committed to taking our network deeper into Africa, ensuring our services touch everyone and bridge the digital divide in the continent. I am confident that over the coming years Airtel will win the hearts of customers in Kenya and emerge as one of most admired brands of the continent, Meza said. The new brand identity The new Airtel brand comes with a promise to meet the emerging needs of customers with innovative, affordable and relevant solutions to empower consumers, giving them the freedom to do what they choose and provide them with the tools to meet life s daily challenges. The red primary colour of the logo reflects the warmth and vibrancy of the African continent. It is the colour of life and of the African sun at dusk. These qualities are reflected in Airtel s brand personality of being brave and bold, sensitive and empathetic. The new curved addition to the logo is a symbol which will help ensure instant recognition across our diverse international markets. As part of the celebration of unveiling the new brand, Airtel also announced the launch of a new ultra low cost handset package which effectively provides a mobile phone free of charge to all new subscribers. The package, launched in conjunction with Nokia, will be priced at KES1,850 and includes a brand new Nokia 1280 mobile phone, a free SIM card and the equivalent value in free Airtel talk time and SMS text messages. Performances Veille 2010 Performances MC - - Tous droits réservés 13

14 Over the next couple of months Airtel will launch a number of world leading product innovations which focus on delivering relevant information for customers to enhance their quality of life and provide tools that will help them overcome their daily challenges. In the past four months Airtel has already made tariff interventions in 11 of its 16 markets in Africa for the benefit of its customers. It has also signed agreements to extend its networks to the most remote areas of the country which are still not connected with the outside world The heat is on for operators in Africa s mobile space Feature Articles, ICT Imara Africa Securities team The African mobile telephony space continues to evolve in terms of entrants and tactics, with Bloomberg reporting on how the likes of Vodafone Group Plc, Bharti Airtel Ltd. and other phone companies with more than USD 90bn invested in Africa, are finding that making money from each user in the world s fastest-growing market is turning into the biggest challenge. The number of operators has prompted a race to the bottom on call rates as regulators push for a cut in interconnection fees, while the entrance of the likes of Bharti with a low price high volume strategy has precipitated the cutting of rates. In Tanzania, which has seven phone companies, prices have fallen 90% over the past 18 months. Companies also face among the world s highest churn rates, with users frequently changing operators, and patchy infrastructure, all of which make returns on investment difficult. It is hard, said Peter Uys, chief executive officer of Vodacom Group Ltd., which is controlled by Vodafone and is the largest provider of mobile-phone services in South Africa and Tanzania. You have to do business in a very different way, you have to build data networks, find other ways to grow revenue. Operators have been lured to the continent by its promise. Africa has a mobile-phone population of about 445 million handsets, according to a McKinsey & Co. report. It took 20 years for the size of the mobile-phone population to reach 200 million, and less than three years to get to the next 200 million, according to the report. The falling average revenue per user (ARPU) that comes with this accelerated growth has driven companies to look at data and other value added services as a way of maintaining margin, with Safaricom, for example, which published its H1 11 results attributing the 15% increase in profit to higher sales driven by data services. Despite the tighter conditions, investment continues to flow into the sector. France Telecom SA, according to an article in the FT, is planning to introduce a series of low-cost offers under its Orange brand in a bid to double its sales in rural Africa by 2015 from EUR 3.4bn in Orange wants to be the champion of rural Africa, France Telecom executive director for Africa, Middle East and Asia, Mark Rennard said, according to the report. Performances Veille 2010 Performances MC - - Tous droits réservés 14

15 The push in less penetrated markets such as Mozambique will also see further momentum, with that country seeing Portugal Telecom, Angolan company Unitel and the Vietnamese consortium known as Movitel vying to be Mozambique s third mobile network licence. The consumer of course should hopefully come out the winner in all this, as competition pushes the mobile companies to be efficient and innovative in their approach so as to defend/gain market share while providing an adequate return of equity. Article produced by the Imara Africa Securities team. Imara is an investment banking and asset management group renowned for its knowledge of African markets. Orascom Telecom Rebrands Namibian Cell One as Leo, Other Units to Follow Namibian mobile operator Cell One will be rebranded as Leo in a process to begin next month. Egypt-based parent Orascom Telecom, which took over the reins of 2G/3G operator Powercom (trading as Cell One) at the start of this year, explained that the name (pronounced lay-o ) was taken from the Swahili word meaning today, while also representing the Spanish lion, and would replace a branding that had become too old school and did not resonate well with the public. The Egyptian group added that the new brand will eventually be adopted by other subsidiaries of its Telecel Globe division in Zimbabwe (Telecel Zimbabwe), Burundi (U-Com Burundi) and the Central African Republic (Telecel Centrafrique). The cost of the rebranding is being shared between the international group and at the local level, according to Cell One CEO Soban Pasha. Telecommunication-Nigeria: Multi-links telkom quits CDMA operations News - Africa news Multi-links telkom quits CDMA operations - Multi-links Telkom Nigeria is quitting its CDMA operations in Nigeria due to continued operating losses, despite cost reducing measures taken by the management of the firm to shore up profitability. The Acting CEO of the firm, Vincent Raseroka at a briefing held to announce the decision to exit Nigerian CDMA operations, disclosed that it has become financially difficult for the firm to continue doing business in that segment, because the Nigerian operating environment is too competitive. He stated that the firm's subscriptions and connections revenue decreased 18.2% due to the termination of access fees as a result of increased competition. Raseroka added that the management of Telkom had received expressions of interest from within and outside the country which will be evaluated in the next three to four months, though he declined naming the companies that had expressed interest. Performances Veille 2010 Performances MC - - Tous droits réservés 15

16 He disclosed that due to the decision to exit CDMA operations, eleven expatriate staff will leave the company within the month, while potential impact on the rest of staff numbering about 750 will be in the first quarter following the successful conclusion of any potential transaction. He stated that despite comprehensive turn around programmes embarked upon by Telkom, Multi-links Nigeria has continued to operate at a loss and the Telkom Group in March this year had to write down $1.2 billion in losses for Multi-links Nigeria, eroding confidence of shareholders in the capacity of the firm to make a headway in the Nigeria market which is highly dominated by GSM operators. Raseroka lamented that Multi-links made a lot of strategic efforts to turn around the fortunes of the firm including substantially lowering its tariffs, yet was unable to break even. It was still saddled with an underutilized network of just 2.6 million subscribers, when it had a capacity for 10 million subscribers. He said that a number of factors including the global economic meltdown contributed to the woes of the firm. He said that fact that GSM operators were getting more aggressive, in addition to increasing competition whithin the CDMA market also negatively affected Multi-links. The firm's operating revenue decreased by 1.7% in It also recorded a 39% decrease in Earnings Before Interest, Taxes, Depreciation, and Amortization EBITDA from -3,214 million to -4,456 same year. Traffic revenue also decreased by 24.6% due to decrease in traffic volumes and higher churn rates. Efem Nkanga Télécommunications: Bharti Airtel s'implante au Ghana Afrique de l'ouest - Ghana Téléphonie mobile - Bharti Airtel, une société indienne de télécommunications implantée dans 19 pays à travers l'asie et l'afrique a démarré ses activités lundi au Ghana. Ainsi, Ghana Airtel remplace Zain, un des cinq fournisseurs de services de téléphonie mobile dans le pays. Les négociations pour la fusion de Bharti Airtel avec cet opérateur ont été conclues en juin de cette année. Lors d'un point de presse à Accra, la capitale du Ghana, Philip Sowah, directeur de pays d'airtel Ghana, a déclaré que le lancement de la marque Airtel en Afrique permettrait de regrouper toutes ses opérations sous une marque unique pour offrir à ses clients des produits et services de bonne qualité. Ce qui signifie qu'airtel est devenue la marque unique pour tous les 19 opérateurs du groupe qui couvrent plus de 200 millions de clients. M. Sowah a expliqué que le partenariat d'airtel avec le géant de la technologie, IBM, relancerait la croissance de cette compagnie en permettant la création d'emplois, l'acquisition de nouvelles compétences et le transfert des technologies, qui ferait du Ghana une destination de classe mondiale pour les entreprises internationales. Performances Veille 2010 Performances MC - - Tous droits réservés 16

17 Zain Malawi finally rebrands to Airtel Chancy Namadzunda, AfricaNews reporter in Lilongwe, Malawi Airtel launches new global brand across its operations in Africa, Bharti Airtel, a leading global telecommunications company, has finally taken over Zain Malawi following the unveiling of the new brand identity in Lilongwe. The company is the largest telecommunication provider in the country with about subscribers. Airtel s CEO (International) and joint Managing Director said the company brings together all operations under a single, strong and unique brand identity. We can deliver more for our customers under a single brand across Africa to fulfill our vision of providing affordable and innovative mobile services for all customers. Our customers will experience the same familiar brand and enjoy consistent quality of services, reliability, innovation and affordability wherever they live, work or travel. He said Managing Director of Aitel Malawi Saulos Chilima said the new company remains committed to taking the network deeper into the country, ensuring that the services touch everyone ad bridge the digital divide in the country. He said the brand comes with the promise to meet the emerging needs of customers with innovative, affordable and relevant solutions to empower consumers, giving them the freedom to do what they choose and provide them with the tools to meet life s daily challenges. Airtel is a leading global telecommunications company with operations in 19 countries across Asia and Africa. It offers mobile voice and data services, fixed line, high speed broadband, IPTV, DTH, turnkey telecom solutions for enterprises and national and international long distance services to carriers. La Fondation Bill Gates appuie M-Pesa en Tanzanie Vodacom Tanzania a reçu, mardi 16 novembre, une subvention de 4,8 millions $ de Bill and Melinda Gates Foundation pour améliorer le service Vodafone M-Pesa dans le pays. Dietlof Mare, directeur général de Vodacom, qui a salué ce geste, a déclaré que la subvention a pour but d'améliorer la vie des Tanzaniens, avec une utilisation accrue de Vodafone M- Pesa. Il a assuré que Vodacom utilisera cette enveloppe financière pour augmenter les prestations de sensibilisation et de services de Vodafone M-Pesa, en particulier ceux destinés aux régions éloignées ou enclavées. L'impact attendu est à la mesure des rapports entre les Tanzaniens bancarisés (à peine 2 millions) et les plus de 18 millions utilisateurs de téléphone mobile sur une population de 40 millions d'habitants, a-t-il dit. Performances Veille 2010 Performances MC - - Tous droits réservés 17

18 Visafone Nigeria leader de la technologie CDMA en Afrique Communications Visafone Nigeria a lancé son service de roaming international dans plus de 200 pays et à travers plus de 400 réseaux à travers le monde. Un tel système permet aux clients, aussi bien prépayés que postpayés, de bénéficier d'un accès transparent à leurs correspondants. En permettant une connectivité sans faille aux clients Visafone par un accès libre à la voix et aux SMS à travers le monde, ce groupe nigérian se positionne comme le premier réseau CDMA à avoir lancé ce service en Afrique. Le SMS en Tunisie est parmi les moins tarifiés dans le monde arabe Une nouvelle étude de l'arab Advisors Group révèle que 87% des opérateurs de téléphonie mobile dans les pays arabes fournissent le service MMS. Le service SMS, qui est fourni par tous les opérateurs de téléphonie mobile dans la région, est tarifié très différemment dans la région. Le Yémen et la Palestine ont le plus faible taux moyen de SMS, alors que le Maroc et la Syrie en ont le plus élevé. L enquête montre que le taux de SMS y compris les taxes au Maroc est le plus élevé. Le taux marocain est suivi par ceux de la Syrie, du Liban, Algérie, Qatar, Koweït, Libye, Emirats Arabes Unis, Egypte, Arabie Saoudite, Jordanie, Irak, Oman, Bahreïn, Soudan, Tunisie, Yémen et a Palestine Tata Communications drives new investments into Africa James Walker, VP Managed Network Services, TATA ITNewsAfrica.com chatted with James Walker, VP Managed Network Services, Gaurav Anand, VP Business Development Middle East and Africa, Global Voice Solutions and Tony Rossabi, Senior VP Global Carrier Solutions from Tata Communications, about TATA s strategy for Africa. ITNewsAfrica.com: What is Tata Communication s short-term strategy for Africa? James Walker: Our main direction in the past couple of years was to enable carriers to sell advanced enterprise solutions to their markets. We are one of the largest wholesale suppliers to Performances Veille 2010 Performances MC - - Tous droits réservés 18

19 carriers on the African continent and we see a strong growth in enterprise requirements into Africa. Tata has made significant investment in Neotel, South Africa s second largest telecom operator and in the Eastern Africa in countries like Kenya and Tanzania. Our focus in the coming months is moving to the western and northern coasts in Nigeria, Ghana and Morocco, Egypt for brand new investments. Next in line is a focus on converged services to mobile operators to allowing them to become next generation carriers. On a larger scale, we are very involved in markets which direct traffic to Africa, including India and Portugal, where majority of traffic terminates today. Also we have recently made a $240 million dollar investment in the Middle East. We are therefore meeting outbound requirements generated by African operators and we have a strong focus on all markets that lead traffic to Africa for outbound connectivity. ITNewsAfrica.com: What is the company s goal in terms of voice communications on the continent? Gaurav Anand: In terms of voice communications, Tata acquired Teleglobe to further capitalize on providing high quality international and cross-border voice communications at lower costs to our database of 75 mobile operators. Beyond voice traffic solutions, our interest is helping operators with back-office solutions to simplify their operations and get them ready for the next generation networks. James Walker: We are able to facilitate the transition to convergent, IP-based services. The next step in sustaining mobile growth and competitive services is through converged voice and data networks and an infrastructure upgrade to IP. In fact we are busy switching our very last TDM voice switch. Gaurav Anand: Group operators understand that this shift to IPX services is critical as the mobile market is fast moving towards data applications. One of the challenges in emerging markets has always been the cost of infrastructure and IPX, besides being less expensive and easily to implement, provides operators with scalable global-class services that meet the current data demand. ITNewsAfrica.com: What are the current trends in data demand by African enterprises? Tony Rossabi: Data services are an integrated part of our enterprise business solutions. We clearly see a transformation towards managed applications and turn-key solution converged services, integrating data security, voice and fax services, telepresence facilities. Tata is actively focusing on VoIP services and network support in increasing operators network capacities. A major investment we had was providing voice services to Tanzanian operators via SEACOM. Zain Nigeria rebranded as Airtel Nigeria Shri Sunil Bharti Mittal, Chairman of Bharti Enterprises, owners of Airtel brand globally, during the launch of Airtel brand across Africa Bharti Airtel, the giant global telecommunications company which has operations in 19 countries across Asia and Africa at the weekend unveiled Airtel brand in Nigeria and around the continent, finally laying to Performances Veille 2010 Performances MC - - Tous droits réservés 19

20 rest the Zain brand. The new and more vibrant brand was unveiled in Abuja, Nigeria s capital city by the President and Commander-in-Chief of the Armed Forces, His Excellency, Dr Goodluck Jonathan, along with Sunil Bharti Mittal, Chairman and Group CEO, Bharti Enterprises. With the brand reveal activity, the identity of the company has changed from Zain Nigeria to Airtel Nigeria. Airtel is now the master brand for all the telecom group s 19 operations. Airtel currently serve over 200 million customers in Asia and Africa. In his remarks, President Goodluck Jonathan commended Airtel for choosing Nigeria as the launch location for the entire Africa continent. He also congratulated Airtel for the successful launch of the new brand and for its expressed commitment to make telecoms services affordable for the consumer. He urged the company to assist in creating additional jobs for Nigerians. Jonathan who was represented by the Minister of Information and Communications, Professor Dora Akunyili also expressed joy at the plan of the company to expand its operations to more rural areas and communities. He equally advice the company to increase its investment in Nigeria as this will help to reduce the level of unemployment in the country. Speaking at the event, Sunil Bharti Mittal, Chairman and Managing Director, Bharti, said: Bharti began its African journey by promising to deliver world-class and affordable mobile services to customers and delighting them with innovative products. I believe we are taking a major step towards delivering on this by introducing the heart of our business the Airtel brand across our operations in Africa. Our African customers will now be able to enjoy the same best-in-class brand experience as our customers across India, Sri Lanka and Bangladesh. He further added: We remain committed to taking our network deeper into Africa, ensuring our services touch the common man and bridge the digital divide in the continent. I am confident that over the coming years Airtel will win the hearts of customers across Africa and emerge as one of most admired brands of the continent. The new brand identity Rajan Swaroop, Managing Director, Airtel Nigeria said the new Airtel brand comes with a promise to meet the emerging needs of customers with innovative, affordable and relevant solutions to empower consumers, giving them the freedom to do what they choose and provide them with the tools to meet life s daily challenges. The red primary colour of the logo reflects the warmth and vibrancy of the African continent. It is the colour of life and of the African sun at dusk. These qualities are reflected in Airtel s brand personality of being brave and bold, sensitive and empathetic. The new curved addition to the logo is a symbol which will help ensure instant recognition across our diverse international markets. As part of the celebration of unveiling the new brand, Airtel also announced the launch of a new ultra low cost handset package which effectively provides a mobile phone free of charge to all new subscribers. The package, launched in conjunction with Nokia, will be priced at approx NGN 3,500 (USD $23) and includes a brand new Nokia 1280 mobile phone, a free SIM card and the equivalent value in free Airtel talk time and SMS text messages. Over the next couple of months Airtel will launch a number of world leading product innovations which focus on delivering relevant information for customers to enhance their quality of life and provide tools that will help them overcome their daily challenges. Performances Veille 2010 Performances MC - - Tous droits réservés 20

The impacts of m-payment on financial services Novembre 2011

The impacts of m-payment on financial services Novembre 2011 The impacts of m-payment on financial services Novembre 2011 3rd largest European postal operator by turnover The most diversified European postal operator with 3 business lines 2010 Turnover Mail 52%

Plus en détail

The potential of the building sector in sustainable and lowcarbon

The potential of the building sector in sustainable and lowcarbon The potential of the building sector in sustainable and lowcarbon strategies Arab Hoballah, UNEP SUSTAINABLE AND COMPETITIVE HOTELS THROUGH ENERGY INNOVATION - NEZEH 2015 L'INNOVATION ÉNERGÉTIQUE AU SERVICE

Plus en détail

Raising the efficiency gains of industry by ICT means

Raising the efficiency gains of industry by ICT means Raising the efficiency gains of industry by ICT means 1/44 E-Government Consortium Thales IS ATG 2/44 ICT gains are similar for governments Industry Gains Government Gains Revenue Growth Expand government

Plus en détail

Design and creativity in French national and regional policies

Design and creativity in French national and regional policies Design and creativity in French national and regional policies p.01 15-06-09 French Innovation policy Distinction between technological innovation and non-technological innovation (including design) French

Plus en détail

Developpement & Formation. Serge Dubois, BP Algeria Communications Manager

Developpement & Formation. Serge Dubois, BP Algeria Communications Manager Developpement & Formation Serge Dubois, BP Algeria Communications Manager Building capability «BP Strategy, Safety People Performance» Tony Hayward, CEO BP Octobre 2007 Human resources are the most invaluable

Plus en détail

Réussir en Afrique. Travaillons main dans la main à la réussite de vos investissements en Afrique.

Réussir en Afrique. Travaillons main dans la main à la réussite de vos investissements en Afrique. Réussir en Afrique Travaillons main dans la main à la réussite de vos investissements en Afrique. 1 2 Le Cabinet CBI, dirigé par Ousmane H. Guedi vous accompagne dans votre conquête du marché africain,

Plus en détail

La Poste choisit l'erp Open Source Compiere

La Poste choisit l'erp Open Source Compiere La Poste choisit l'erp Open Source Compiere Redwood Shores, Calif. Compiere, Inc, leader mondial dans les progiciels de gestion Open Source annonce que La Poste, l'opérateur postal français, a choisi l'erp

Plus en détail

Dans ce numéro. Archives e-newsletter. Pour nous joindre. English to follow.

Dans ce numéro. Archives e-newsletter. Pour nous joindre. English to follow. English to follow. Dans ce numéro L OSBI présente les statistiques du deuxième trimestre L Ombudsman des services bancaires et d investissement (OSBI) présente aujourd hui les statistiques du deuxième

Plus en détail

Networking Solutions. Worldwide VSAT Maintenance VSAT dans le Monde Entretien. Satellite Communications Les Communications par Satellite

Networking Solutions. Worldwide VSAT Maintenance VSAT dans le Monde Entretien. Satellite Communications Les Communications par Satellite www.dcs-eg.com DCS TELECOM SAE is an Egyptian based Information Technology System Integrator company specializes in tailored solutions and integrated advanced systems, while also excelling at consulting

Plus en détail

Rassegna del 05/02/2014

Rassegna del 05/02/2014 Rassegna del 05/02/2014... 04/02/14 africanmanager.com 1 4-02-2014 : L aéroport de Monastir se dote du système de navigation européen EGNOS 04/02/14 airtrafficmanagement.n et 2 1 ENAV tests first EGNOS

Plus en détail

ICH Q8, Q9 and Q10. Krishnan R. Tirunellai, Ph. D. Bureau of Pharmaceutical Sciences Therapeutic Products Directorate Health Canada December 4, 2008

ICH Q8, Q9 and Q10. Krishnan R. Tirunellai, Ph. D. Bureau of Pharmaceutical Sciences Therapeutic Products Directorate Health Canada December 4, 2008 ICH Q8, Q9 and Q10 An Opportunity to Build Quality into Product Krishnan R. Tirunellai, Ph. D. Bureau of Pharmaceutical Sciences Therapeutic Products Directorate Health Canada December 4, 2008 Sequence

Plus en détail

2. Emissions de garanties. 2. Guarantees. L encours moyen 2014 des engagements de cautions s établit à 238 M en baisse de 28% par rapport à 2013.

2. Emissions de garanties. 2. Guarantees. L encours moyen 2014 des engagements de cautions s établit à 238 M en baisse de 28% par rapport à 2013. 2. Emissions de garanties 2. Guarantees L encours moyen 2014 des engagements de cautions s établit à 238 M en baisse de 28% par rapport à 2013. Average outstanding guarantee in 2014 stood at 238 million,

Plus en détail

In this issue: Newsletter archive. How to reach us. Le français suit.

In this issue: Newsletter archive. How to reach us. Le français suit. Le français suit. The Ombudsman for Banking Services and Investments (OBSI) today released its complaint statistics for the first quarter of its 2011 fiscal year (November 1, 2010 to January 31, 2011).

Plus en détail

The evolution and consequences of the EU Emissions Trading System (EU ETS)

The evolution and consequences of the EU Emissions Trading System (EU ETS) The evolution and consequences of the EU Emissions Trading System (EU ETS) Jon Birger Skjærseth Montreal 27.10.08 reproduction doivent être acheminées à Copibec (reproduction papier) Introduction What

Plus en détail

Marketing Régional et Mondial Copyright 2015 Miami Association of Realtors

Marketing Régional et Mondial Copyright 2015 Miami Association of Realtors MLS - Local and Global Marketing Marketing Régional et Mondial Copyright 2015 Miami Association of Realtors Teresa King Kinney CEO Miami Association of Realtors Miami Association of Realtors 40,000 Members

Plus en détail

Closing of L-1 Identity Solutions acquisition

Closing of L-1 Identity Solutions acquisition Closing of L-1 Identity Solutions acquisition / July 26, 2011 / The acquisition of L1-ID is now completed Ł Sept. 20, 2010: transaction was announced Jan 17, 2011: Hard-Scott Rodino (antitrust) Feb 3:

Plus en détail

Présentation des états financiers 2014 Presentation of the 2014 Financial Statements

Présentation des états financiers 2014 Presentation of the 2014 Financial Statements Présentation des états financiers 2014 Presentation of the 2014 Financial Statements Les faits saillants Highlights L état financier du MAMROT est très complexe et fournit de nombreuses informations. Cette

Plus en détail

Les licences Creative Commons expliquées aux élèves

Les licences Creative Commons expliquées aux élèves Les licences Creative Commons expliquées aux élèves Source du document : http://framablog.org/index.php/post/2008/03/11/education-b2i-creative-commons Diapo 1 Creative Commons presents : Sharing Creative

Plus en détail

Small Businesses support Senator Ringuette s bill to limit credit card acceptance fees

Small Businesses support Senator Ringuette s bill to limit credit card acceptance fees For Immediate Release October 10, 2014 Small Businesses support Senator Ringuette s bill to limit credit card acceptance fees The Senate Standing Committee on Banking, Trade, and Commerce resumed hearings

Plus en détail

French Three Unit Four Review

French Three Unit Four Review Name Class Period French Three Unit Four Review 1. I can discuss with other people about what to do, where to go, and when to meet (Accept or reject invitations, discuss where to go, invite someone to

Plus en détail

Canadian Worker Co-op Federation Annual General Meeting/Assemblé Générale Annuelle October/Octobre 30, 2015

Canadian Worker Co-op Federation Annual General Meeting/Assemblé Générale Annuelle October/Octobre 30, 2015 Annual General Meeting/Assemblé Générale Annuelle October/Octobre 30, 2015 How can you improve your co-op s bottom line? Comment pouvez-vous améliorer le revenu net de votre coopérative? How can you raise

Plus en détail

The managing Information system (S.I.D.) of the Civil Servants Health Insurance. Mutualité Fonction Publique - Direction des Systèmes d Information

The managing Information system (S.I.D.) of the Civil Servants Health Insurance. Mutualité Fonction Publique - Direction des Systèmes d Information The managing Information system (S.I.D.) of the Civil Servants Health Insurance Mutualité Fonction Publique - Direction des Systèmes d Information Joseph GARACOITS - Isabelle RICHARD France Intervention

Plus en détail

In this issue: Newsletter archive. How to reach us. Le français suit.

In this issue: Newsletter archive. How to reach us. Le français suit. Le français suit. The Ombudsman for Banking Services and Investments (OBSI) today released its complaint statistics for the fourth quarter of its 2010 fiscal year (August 1, 2010 to October 31, 2010).

Plus en détail

Organisation de Coopération et de Développement Economiques Organisation for Economic Co-operation and Development. Bil.

Organisation de Coopération et de Développement Economiques Organisation for Economic Co-operation and Development. Bil. A usage officiel/for Official Use C(2006)34 C(2006)34 A usage officiel/for Official Use Organisation de Coopération et de Développement Economiques Organisation for Economic Co-operation and Development

Plus en détail

Rational Team Concert

Rational Team Concert Une gestion de projet agile avec Rational Team Concert Samira Bataouche Consultante, IBM Rational France 1 SCRUM en Bref Events Artifacts Development Team Source: Scrum Handbook 06 Décembre 2012 Agilité?

Plus en détail

Ouverture de session Fermer la session

Ouverture de session Fermer la session Instructions ENGLISH Instructions FRANÇAIS This document is to help consumers in understanding basic functionality in their own language. Should you have any difficulty using any of the functions please

Plus en détail

Natixis Asset Management Response to the European Commission Green Paper on shadow banking

Natixis Asset Management Response to the European Commission Green Paper on shadow banking European Commission DG MARKT Unit 02 Rue de Spa, 2 1049 Brussels Belgium markt-consultation-shadow-banking@ec.europa.eu 14 th June 2012 Natixis Asset Management Response to the European Commission Green

Plus en détail

Philippe Maystadt European Investment Bank President Visit of the ACP Committee of Ambassadors Luxembourg, July 22 2010

Philippe Maystadt European Investment Bank President Visit of the ACP Committee of Ambassadors Luxembourg, July 22 2010 Philippe Maystadt European Investment Bank President Visit of the ACP Committee of Ambassadors Luxembourg, July 22 2010 Monsieur le Président, Monsieur le Secrétaire Général, Mesdames et Messieurs les

Plus en détail

The Government of Canada invests in initiative to boost career opportunities for Saskatoon youth

The Government of Canada invests in initiative to boost career opportunities for Saskatoon youth Saskatoon: Unit 3, 844-51st St. East Saskatoon, SK S7K 5C7 Tel (306) 975-4725 Toll free (888) 844-8886 Fax (306) 975-4728 vellacott.mp@shawlink.ca HOUSE OF COMMONS CANADA Maurice Vellacott, MP Saskatoon-Wanuskewin

Plus en détail

Frequently Asked Questions

Frequently Asked Questions GS1 Canada-1WorldSync Partnership Frequently Asked Questions 1. What is the nature of the GS1 Canada-1WorldSync partnership? GS1 Canada has entered into a partnership agreement with 1WorldSync for the

Plus en détail

EN UNE PAGE PLAN STRATÉGIQUE

EN UNE PAGE PLAN STRATÉGIQUE EN UNE PAGE PLAN STRATÉGIQUE PLAN STRATÉGIQUE EN UNE PAGE Nom de l entreprise Votre nom Date VALEUR PRINCIPALES/CROYANCES (Devrait/Devrait pas) RAISON (Pourquoi) OBJECTIFS (- AN) (Où) BUT ( AN) (Quoi)

Plus en détail

EUDAT and CINES data preservation services. Workshop PREDON Stéphane Coutin 05 nov 2014

EUDAT and CINES data preservation services. Workshop PREDON Stéphane Coutin 05 nov 2014 EUDAT and CINES data preservation services Workshop PREDON Stéphane Coutin 05 nov 2014 Le CINES Basé à Montpellier (Hérault, France) EPA créé en 1999, succédant au CNUSC (Centre National Universitaire

Plus en détail

eid Trends in french egovernment Liberty Alliance Workshop April, 20th 2007 French Ministry of Finance, DGME

eid Trends in french egovernment Liberty Alliance Workshop April, 20th 2007 French Ministry of Finance, DGME eid Trends in french egovernment Liberty Alliance Workshop April, 20th 2007 French Ministry of Finance, DGME Agenda What do we have today? What are our plans? What needs to be solved! What do we have today?

Plus en détail

MOVILISE-Le cours en anglais pour les hommes de sport sportsman par l usage des methodes nouvelles

MOVILISE-Le cours en anglais pour les hommes de sport sportsman par l usage des methodes nouvelles MOVILISE-Le cours en anglais pour les hommes de sport sportsman par l usage des methodes nouvelles 2009-1-TR1-LEO05-08709 1 Information sur le projet Titre: Code Projet: Année: 2009 Type de Projet: Statut:

Plus en détail

QUESTIONS AND ANSWERS / QUESTIONS ET RÉPONSES SOLICITATION NUMBER / NUMERO DE SOLICITATION: 2014067

QUESTIONS AND ANSWERS / QUESTIONS ET RÉPONSES SOLICITATION NUMBER / NUMERO DE SOLICITATION: 2014067 Fermeture pour la période de question est le 13 mai 2015 avant midi (12h00). Revised/Révisé: May 7, 2015 Q 1 QUESTIONS In Background section (page 5 of 10, Point 2) you state that The HoC and Senate currently

Plus en détail

SGR Services de gestion des risques

SGR Services de gestion des risques Title: Safety Achievement Financial Incentive System (SAFIS) Titre : Système d incitation financière à la sécurité DIRECTIVE Effective / En vigueur: 01/05/2008 Release / Diffusion No. 003 Page 1 of / de

Plus en détail

Arrondissement de Pierrefonds-Roxboro

Arrondissement de Pierrefonds-Roxboro DISCOURS DU BUDGET 2013 La démarche de réforme du financement des arrondissements entamée au début de cette année par monsieur Michael Applebaum président du comité exécutif de la Ville de Montréal et

Plus en détail

Sustainability Monitoring and Reporting: Tracking Your Community s Sustainability Performance

Sustainability Monitoring and Reporting: Tracking Your Community s Sustainability Performance Sustainability Monitoring and Reporting: Tracking Your Community s Sustainability Performance Thursday, February 11 th, 2011 FCM Sustainable Communities Conference, Victoria, BC The Agenda 1. Welcome and

Plus en détail

COME The Fashion Way is a style agency specializing in consultancy and brands placement in distribution networks both in the Middle East and Africa.

COME The Fashion Way is a style agency specializing in consultancy and brands placement in distribution networks both in the Middle East and Africa. COME The Fashion Way est une agence de style spécialisée dans le conseil et le placement de marques dans des réseaux de distribution au Moyen Orient et en Afrique. COME The Fashion Way is a style agency

Plus en détail

Un ACTIF InConToURnABLE PoUR DEs PARTEnARIATs significatifs. social. An ASSeT To meaningful PARTneRSHIPS

Un ACTIF InConToURnABLE PoUR DEs PARTEnARIATs significatifs. social. An ASSeT To meaningful PARTneRSHIPS Le capital Un ACTIF InConToURnABLE PoUR DEs PARTEnARIATs significatifs social capital An ASSeT To meaningful PARTneRSHIPS Présentation des participants participants presentation Fondation Dufresne et Gauthier

Plus en détail

A joint institute between LIRMM and NXP. Un laboratoire commun LIRMM-NXP

A joint institute between LIRMM and NXP. Un laboratoire commun LIRMM-NXP A joint institute between LIRMM and NXP Un laboratoire commun LIRMM-NXP ISyTest, Institute for System Testing In the fast-moving world of integrated systems, test solutions are faced with two major issues:

Plus en détail

SENEGAL DIAGNOSTICS DE LA GOUVERNANCE TRANSPORTS ET TRAVAUX PUBLICS

SENEGAL DIAGNOSTICS DE LA GOUVERNANCE TRANSPORTS ET TRAVAUX PUBLICS SENEGAL DIAGNOSTICS DE LA GOUVERNANCE TRANSPORTS ET TRAVAUX PUBLICS FOCUS GROUPE: Sociétés Privées qui Utilisent Services de Transport Terrestre et/ou PAD Groupe A Routes et Port Les questions de Sections

Plus en détail

GESTION DE PROJETS AGILE

GESTION DE PROJETS AGILE GESTION DE PROJETS AGILE Jean-Louis Lefèvre jean-louis.lefevre@univ-lyon1.fr 2014 AGILE & Project Management Polytech 5A JL Lefèvre P 1 QUATRE (GROS) PROBLÈMES EN GESTION DE PROJETS Classiquement, pour

Plus en détail

AOC Insurance Broker

AOC Insurance Broker AOC Insurance Broker Compare Your Expat Health Insurance AOC International Expat Groupe Cadre www.aoc insurancebroker.com www.assurance sante expatrie.eu Email : contact@aoc insurancebroker.com www.cadrass.com

Plus en détail

ACCESS CP SIGNE UN 1ER CLOSING A 56 M POUR CIBLER LA PRIVATE DEBT

ACCESS CP SIGNE UN 1ER CLOSING A 56 M POUR CIBLER LA PRIVATE DEBT LEVÉES DE FONDS ACCESS CP SIGNE UN 1ER CLOSING A 56 M POUR CIBLER LA PRIVATE DEBT Par Xavier Demarle 08/10/2014 17:36 Le gérant veut porter à 150 M la collecte de son nouveau véhicule, dont la mission

Plus en détail

Net-université 2008-1-IS1-LEO05-00110. http://www.adam-europe.eu/adam/project/view.htm?prj=5095

Net-université 2008-1-IS1-LEO05-00110. http://www.adam-europe.eu/adam/project/view.htm?prj=5095 Net-université 2008-1-IS1-LEO05-00110 1 Information sur le projet Titre: Code Projet: Année: 2008 Type de Projet: Statut: Accroche marketing: Net-université 2008-1-IS1-LEO05-00110 Projets de transfert

Plus en détail

Photo: Sgt Serge Gouin, Rideau Hall Her Majesty The Queen in Right of Canada represented by the Office of the Secretary to the Governor General

Photo: Sgt Serge Gouin, Rideau Hall Her Majesty The Queen in Right of Canada represented by the Office of the Secretary to the Governor General As the father of five children and the grandfather of ten grandchildren, family is especially important to me. I am therefore very pleased to mark National Foster Family Week. Families, whatever their

Plus en détail

Les infrastructures des municipalités s effondrent partout au Canada. Canada s cities and towns are crumbling around us

Les infrastructures des municipalités s effondrent partout au Canada. Canada s cities and towns are crumbling around us SKILLED TRADES PLATFORM 2015 PLATEFORME DES MÉTIERS SPÉCIALISÉS 2015 Canada s cities and towns are crumbling around us Canada needs a comprehensive integrated infrastructure program that will eliminate

Plus en détail

Récapitulatif du budget et du plan de financement (en milliers de dollars des États-Unis) Catégorie de dépenses FIDA Cofinancement 1 Gestion des projets 270 000 110 000 Consultants recrutés pour de courtes

Plus en détail

State as a shareholder, corporate governance of SOEs

State as a shareholder, corporate governance of SOEs France : Etat-actionnaire, gouvernance des entreprises publiques State as a shareholder, corporate governance of SOEs Alain TURC, contrôleur général économique et financier Ministère de l économie, des

Plus en détail

Nick Galletto Partner Deloitte Marc MacKinnon Partner Deloitte

Nick Galletto Partner Deloitte Marc MacKinnon Partner Deloitte When, not if Strategies for private companies on guarding against cyber risks Nick Galletto Partner Deloitte Marc MacKinnon Partner Deloitte When, not if Strategies for private companies on guarding against

Plus en détail

Revue de presse de Mercredi 29 Janvier 2014

Revue de presse de Mercredi 29 Janvier 2014 Revue de presse de Mercredi 29 Janvier 2014 17.5 million subscribers are expecting its 3G surprises: Djezzy will carry out tests on the 3G network next week EL BILAD P1&5 According to some sources from

Plus en détail

Lean approach on production lines Oct 9, 2014

Lean approach on production lines Oct 9, 2014 Oct 9, 2014 Dassault Mérignac 1 Emmanuel Théret Since sept. 2013 : Falcon 5X FAL production engineer 2011-2013 : chief project of 1st lean integration in Merignac plant 2010 : Falcon 7X FAL production

Plus en détail

Please find attached a revised amendment letter, extending the contract until 31 st December 2011.

Please find attached a revised amendment letter, extending the contract until 31 st December 2011. Sent: 11 May 2011 10:53 Subject: Please find attached a revised amendment letter, extending the contract until 31 st December 2011. I look forward to receiving two signed copies of this letter. Sent: 10

Plus en détail

L année du Cloud : De plus en plus d entreprises choisissent le Cloud

L année du Cloud : De plus en plus d entreprises choisissent le Cloud Information aux medias Saint-Denis, France, 17 janvier 2013 L année du Cloud : De plus en plus d entreprises choisissent le Cloud Des revenus liés au Cloud estimés à près d un milliard d euros d ici 2015

Plus en détail

Editing and managing Systems engineering processes at Snecma

Editing and managing Systems engineering processes at Snecma Editing and managing Systems engineering processes at Snecma Atego workshop 2014-04-03 Ce document et les informations qu il contient sont la propriété de Ils ne doivent pas être copiés ni communiqués

Plus en détail

LA PERSONNE SPÉCIALE

LA PERSONNE SPÉCIALE LA PERSONNE SPÉCIALE These first questions give us some basic information about you. They set the stage and help us to begin to get to know you. 1. Comment tu t appelles? What is your name? Je m appelle

Plus en détail

French 2208A. French for Healthcare Le français de la santé

French 2208A. French for Healthcare Le français de la santé French 2208A French for Healthcare Le français de la santé Professeur : Heures de bureau : Olga Kharytonava disponible tous les jours par courriel, sauf le week-end. Préalable - Fr 1900 E ou Fr 1910, ou

Plus en détail

Managing Electricity Sourcing in Europe's Energy Intensive Industry - A Methodology to Develop an Electricity Sourcing Strategy

Managing Electricity Sourcing in Europe's Energy Intensive Industry - A Methodology to Develop an Electricity Sourcing Strategy Managing Electricity Sourcing in Europe's Energy Intensive Industry - A Methodology to Develop an Electricity Sourcing Strategy THÈSE N O 5124 (2011) PRÉSENTÉE le 22 septembre 2011 À LA FACULTÉ MANAGEMENT

Plus en détail

Transformative Agenda for Official Statistics. Programme de transformation de la statistique officielle. 11th ASSD. 11 e SDSA

Transformative Agenda for Official Statistics. Programme de transformation de la statistique officielle. 11th ASSD. 11 e SDSA COMMUNIQUÉ DE PRESSE PRESS RELEASE Conférence africaine: Programme de transformation de la statistique officielle 21-22 Novembre 2015 African Conference: Transformative Agenda for Official Statistics 21-22

Plus en détail

Florida International University. Department of Modern Languages. FRENCH I Summer A Term 2014 FRE 1130 - U01A

Florida International University. Department of Modern Languages. FRENCH I Summer A Term 2014 FRE 1130 - U01A Florida International University Department of Modern Languages FRENCH I Summer A Term 2014 FRE 1130 - U01A Class time: Monday, Tuesday, Wednesday, Thursday; 6:20 P.M. - 9:00 P.M. Instructors: Prof. Jean-Robert

Plus en détail

Prescribed Deposits (Authorized Foreign Banks) Regulations. Règlement sur les dépôts (banques étrangères autorisées)

Prescribed Deposits (Authorized Foreign Banks) Regulations. Règlement sur les dépôts (banques étrangères autorisées) CANADA CONSOLIDATION CODIFICATION Prescribed Deposits (Authorized Foreign Banks) Regulations Règlement sur les dépôts (banques étrangères autorisées) SOR/2000-53 DORS/2000-53 Current to January 25, 2016

Plus en détail

Promotion of bio-methane and its market development through local and regional partnerships. A project under the Intelligent Energy Europe programme

Promotion of bio-methane and its market development through local and regional partnerships. A project under the Intelligent Energy Europe programme Promotion of bio-methane and its market development through local and regional partnerships A project under the Intelligent Energy Europe programme Contract Number: IEE/10/130 Deliverable Reference: W.P.2.1.3

Plus en détail

Nouvelles tendances en agriculture et en sécurité alimentaire

Nouvelles tendances en agriculture et en sécurité alimentaire OCP Policy Center Seminar series Nouvelles tendances en agriculture et en sécurité alimentaire Omar Aloui 12 September 2014 Principales questions Sécurité alimentaire et agriculture Réponses passées Scénarios

Plus en détail

THE EVOLUTION OF CONTENT CONSUMPTION ON MOBILE AND TABLETS

THE EVOLUTION OF CONTENT CONSUMPTION ON MOBILE AND TABLETS THE EVOLUTION OF CONTENT CONSUMPTION ON MOBILE AND TABLETS OPPA investigated in March 2013 its members, in order to design a clear picture of the traffic on all devices, browsers and apps. One year later

Plus en détail

Tier 1 / Tier 2 relations: Are the roles changing?

Tier 1 / Tier 2 relations: Are the roles changing? Tier 1 / Tier 2 relations: Are the roles changing? Alexandre Loire A.L.F.A Project Manager July, 5th 2007 1. Changes to roles in customer/supplier relations a - Distribution Channels Activities End customer

Plus en détail

Educational planning school census by mobile phone technology PPP-EMIS AFRICA PROJECT. Ilona Genevois & Khadim Sylla

Educational planning school census by mobile phone technology PPP-EMIS AFRICA PROJECT. Ilona Genevois & Khadim Sylla Educational planning school census by mobile phone technology PPP-EMIS AFRICA PROJECT Ilona Genevois & Khadim Sylla Summary of presentation I. Background of the project II. Implementation process of data

Plus en détail

Présentation de la Boîte à Outiles du IOMC pour la Prise de Décisions sur la Gestion de produits Chimiques

Présentation de la Boîte à Outiles du IOMC pour la Prise de Décisions sur la Gestion de produits Chimiques Le projet est Présentation de la Boîte à Outiles du IOMC pour la Prise de Décisions sur la Gestion de produits Chimiques Mars 2015 Programme inter-organisations pour la gestion rationnelle des produits

Plus en détail

Contracts for sales of carbon credits Les contrats de vente de réduction d'émissions

Contracts for sales of carbon credits Les contrats de vente de réduction d'émissions Contracts for sales of carbon credits Les contrats de vente de réduction d'émissions Sonatrach Headquarters 7 November 2006 Adam Shepherd, Associate, Baker & McKenzie Baker & McKenzie International is

Plus en détail

L intégration socioscolaire des jeunes Québécois d origine chinoise : le rôle des écoles ethniques complémentaires

L intégration socioscolaire des jeunes Québécois d origine chinoise : le rôle des écoles ethniques complémentaires L intégration socioscolaire des jeunes Québécois d origine chinoise : le rôle des écoles ethniques complémentaires Ming Sun Université de Montréal Haï Thach École Chinoise (Mandarin) de Montréal Introduction

Plus en détail

David Marsden Labour market segmentation in Britain: the decline of occupational labour markets and the spread of entry tournaments

David Marsden Labour market segmentation in Britain: the decline of occupational labour markets and the spread of entry tournaments David Marsden Labour market segmentation in Britain: the decline of occupational labour markets and the spread of entry tournaments Article (Accepted version) (Refereed) Original citation: Marsden, David

Plus en détail

HUBSYS GLOBAL BANKING SERVICES : CHALLENGES AND STRATEGY. Alain Closier, Thierry Roehm

HUBSYS GLOBAL BANKING SERVICES : CHALLENGES AND STRATEGY. Alain Closier, Thierry Roehm HUBSYS GLOBAL BANKING SERVICES : CHALLENGES AND STRATEGY Alain Closier, Thierry Roehm CONTENT GLOBAL BANKING SERVICES HUBSYS : Global banking services: challenges and strategy Alain CLOSIER Head of Banking

Plus en détail

Empowering small farmers and their organizations through economic intelligence

Empowering small farmers and their organizations through economic intelligence Empowering small farmers and their organizations through economic intelligence Soutenir les petits agriculteurs et leurs organisations grâce à l intelligence économique XOF / kg RONGEAD has been supporting

Plus en détail

Carol A. LaRonde Courtier Immobilier Inc. & Laura Pittaro Courtier Immobilier Inc. RE/MAX Royal (Jordan) Inc. 450-458-7051

Carol A. LaRonde Courtier Immobilier Inc. & Laura Pittaro Courtier Immobilier Inc. RE/MAX Royal (Jordan) Inc. 450-458-7051 Chambre immobiliere du grand Montreal CIGGM Greater Montreal Real estate Board GMREB. REVUE DE PRESSE CIGM Les résultats publiés par la Société Canadienne D hypothèque et de logement dans son cadre d analyse

Plus en détail

EURO ZONE: economic impact of the financial crisis

EURO ZONE: economic impact of the financial crisis 1 EURO ZONE: economic impact of the financial crisis Michel Aglietta Univ Paris West, Cepii and Groupama-am Euro zone and European Union: a generalized slump with a recovery starting in Q3 2009 2 Euro

Plus en détail

LONDON NOTICE No. 3565

LONDON NOTICE No. 3565 EURONEXT DERIVATIVES MARKETS LONDON NOTICE No. 3565 ISSUE DATE: 15 February 2012 EFFECTIVE DATE: 12 March 2012 FTSE 100 INDEX FUTURES CONTRACT THREE MONTH EURO (EURIBOR) INTEREST RATE FUTURES CONTRACT

Plus en détail

2 players Ages 8+ Note: Please keep these instructions for future reference. WARNING. CHOKING HAZARD. Small parts. Not for children under 3 years.

2 players Ages 8+ Note: Please keep these instructions for future reference. WARNING. CHOKING HAZARD. Small parts. Not for children under 3 years. Linja Game Rules 2 players Ages 8+ Published under license from FoxMind Games NV, by: FoxMind Games BV Stadhouderskade 125hs Amsterdam, The Netherlands Distribution in North America: FoxMind USA 2710 Thomes

Plus en détail

PONT DES CATALANS SPEED MANAGEMENT PROJECT

PONT DES CATALANS SPEED MANAGEMENT PROJECT Toulouse, 31.05.2011 PONT DES CATALANS SPEED MANAGEMENT PROJECT MID-TERM TERM EVALUATION VISIT Presentation of the team Names : Arnaud Arsuffi Audrey Traisnel City : Toulouse University : INSA Toulouse

Plus en détail

Quatre axes au service de la performance et des mutations Four lines serve the performance and changes

Quatre axes au service de la performance et des mutations Four lines serve the performance and changes Le Centre d Innovation des Technologies sans Contact-EuraRFID (CITC EuraRFID) est un acteur clé en matière de l Internet des Objets et de l Intelligence Ambiante. C est un centre de ressources, d expérimentations

Plus en détail

PIB : Définition : mesure de l activité économique réalisée à l échelle d une nation sur une période donnée.

PIB : Définition : mesure de l activité économique réalisée à l échelle d une nation sur une période donnée. PIB : Définition : mesure de l activité économique réalisée à l échelle d une nation sur une période donnée. Il y a trois approches possibles du produit intérieur brut : Optique de la production Optique

Plus en détail

Date: 09/11/15 www.crmconsult.com Version: 2.0

Date: 09/11/15 www.crmconsult.com Version: 2.0 Date: 9/11/2015 contact@crmconsult.fr Page 1 / 10 Table des matières 1 SUGARPSHOP : SCHEMA... 3 2 PRESENTATION... 4 3 SHOPFORCE WITH SCREENSHOTS... 5 3.1 CLIENTS... 5 3.2 ORDERS... 6 4 INSTALLATION...

Plus en détail

PAR_20140205_00937_EUR DATE: 05/02/2014

PAR_20140205_00937_EUR DATE: 05/02/2014 CORPORATE EVENT NOTICE: Emission et admission d'obligations à option de remboursement en numéraire et/ou en actions nouvelles et/ou existantes (ORNANE) sans droit préférentiel de souscription et sans délai

Plus en détail

Stéphane Lefebvre. CAE s Chief Financial Officer. CAE announces Government of Canada participation in Project Innovate.

Stéphane Lefebvre. CAE s Chief Financial Officer. CAE announces Government of Canada participation in Project Innovate. Stéphane Lefebvre CAE s Chief Financial Officer CAE announces Government of Canada participation in Project Innovate Montreal, Canada, February 27, 2014 Monsieur le ministre Lebel, Mesdames et messieurs,

Plus en détail

C est quoi, Facebook?

C est quoi, Facebook? C est quoi, Facebook? Si tu as plus de 13 ans, tu fais peut-être partie des 750 millions de personnes dans le monde qui ont un compte Facebook? Et si tu es plus jeune, tu as dû entendre parler autour de

Plus en détail

Instructions Mozilla Thunderbird Page 1

Instructions Mozilla Thunderbird Page 1 Instructions Mozilla Thunderbird Page 1 Instructions Mozilla Thunderbird Ce manuel est écrit pour les utilisateurs qui font déjà configurer un compte de courrier électronique dans Mozilla Thunderbird et

Plus en détail

APHLIS (African Postharvest Losses Information System) Système d information Africain des pertes post récolte www.aphlis.net

APHLIS (African Postharvest Losses Information System) Système d information Africain des pertes post récolte www.aphlis.net APHLIS (African Postharvest Losses Information System) Système d information Africain des pertes post récolte www.aphlis.net APHLIS - a unique service APHLIS generates estimates of quantitative postharvest

Plus en détail

Initiative d excellence de l université de Bordeaux. Réunion du Comité stratégique 17-19 décembre 2014. Recommandations

Initiative d excellence de l université de Bordeaux. Réunion du Comité stratégique 17-19 décembre 2014. Recommandations Initiative d excellence de l université de Bordeaux Réunion du Comité stratégique 17-19 décembre 2014 Recommandations 2/1 RECOMMANDATIONS DU COMITE STRATEGIQUE Une feuille de route pour le conseil de gestion

Plus en détail

GREDOR Gestion des Réseaux Electriques de Distribution Ouverts aux Renouvelables

GREDOR Gestion des Réseaux Electriques de Distribution Ouverts aux Renouvelables GREDOR Gestion des Réseaux Electriques de Distribution Ouverts aux Renouvelables Can operational planning decrease distribution costs? - La gestion prévisionnelle pour diminuer les coûts de distribution?

Plus en détail

GLOBAL COMPACT EXAMPLE

GLOBAL COMPACT EXAMPLE GLOBAL COMPACT EXAMPLE Global Compact Good Practice GROUPE SEB 2004-2005 1/4 FIRM: GROUPE SEB TITLE: GROUPE SEB Purchasing Policy contributing to sustainable development GC PRINCIPLES taken into account:

Plus en détail

Conférence Perspectives pour une nouvelle Agence Méditerranéenne de la Logistique?

Conférence Perspectives pour une nouvelle Agence Méditerranéenne de la Logistique? Conférence Perspectives pour une nouvelle Agence Méditerranéenne de la Logistique? Mardi 3 juin 2014 Younes TAZI Directeur Général Agence Marocaine de Développement de la Logistique younes.tazi@amdl.gov.ma

Plus en détail

LA TENUE DES RÉUNIONS DES COMMISSIONS DE DISTRICT D AMÉNAGEMENT CONDUCT OF DISTRICT PLANNING COMMISSION MEETINGS

LA TENUE DES RÉUNIONS DES COMMISSIONS DE DISTRICT D AMÉNAGEMENT CONDUCT OF DISTRICT PLANNING COMMISSION MEETINGS CONDUCT OF DISTRICT PLANNING COMMISSION MEETINGS LA TENUE DES RÉUNIONS DES COMMISSIONS DE DISTRICT D AMÉNAGEMENT A Guideline on the Conduct of District Planning Commission Meetings Directive sur la tenue

Plus en détail

Home Page : CAHIER DES CHARGES POUR LA MISE EN PLACE DU NOUVEAU CMS ET LA MISE À NEUF DU SITE WEB.

Home Page : CAHIER DES CHARGES POUR LA MISE EN PLACE DU NOUVEAU CMS ET LA MISE À NEUF DU SITE WEB. CAHIER DES CHARGES POUR LA MISE EN PLACE DU NOUVEAU CMS ET LA MISE À NEUF DU SITE WEB. Home Page : Comme discuter il y aurait un intérêt à tirer un parti plus important du slider d image. En effet, le

Plus en détail

AWICO instrument pour le bilan de compétences élargie

AWICO instrument pour le bilan de compétences élargie AWICO instrument pour le bilan de compétences élargie No. 2009 LLP-LdV-TOI-2009-164.603 1 Information sur le projet Titre: Code Projet: Année: 2009 Type de Projet: Statut: Accroche marketing: Résumé: Description:

Plus en détail

Complex Weapons - Delivering Capability Through Partnerships Nick Neale Project Director Future Local Area Air Defence System (Maritime)

Complex Weapons - Delivering Capability Through Partnerships Nick Neale Project Director Future Local Area Air Defence System (Maritime) Complex Weapons - Delivering Capability Through Partnerships Nick Neale Project Director Future Local Area Air Defence System (Maritime) Presentation Themes MBDA delivering capability through partnerships

Plus en détail

English version ***La version française suit***

English version ***La version française suit*** 1 of 5 4/26/2013 4:26 PM Subject: CRA/ARC- Reminder - Tuesday, April 30, 2013 is the deadline to file your 2012 income tax and benefit return and pay any / Rappel - Vous avez jusqu'au 30 avril 2013 pour

Plus en détail

Primary French Lesson Plans Scottish Parliament

Primary French Lesson Plans Scottish Parliament Primary French Lesson Plans Scottish Parliament These activities were created by Christine Johnston (Scottish Borders Council) and Karen Rae (Edinburgh). They are designed to encompass a variety of topics

Plus en détail

40 LEA C1 - ANALYSE D EXPLOITATION (JANVIER 2005) cours de MRS FENNELLY ET DIOT

40 LEA C1 - ANALYSE D EXPLOITATION (JANVIER 2005) cours de MRS FENNELLY ET DIOT 40 LEA C1 - ANALYSE D EXPLOITATION (JANVIER 2005) cours de MRS FENNELLY ET DIOT FIRST PART Answer question 1 or question 2. Question 1 Simon Dillon commenced in business on 1 January 2004. He invested

Plus en détail

CHOISIR LA PROTECTION D ASSURANCE DE SOINS DE LONGUE DURÉE LA MIEUX ADAPTÉE À VOS BESOINS

CHOISIR LA PROTECTION D ASSURANCE DE SOINS DE LONGUE DURÉE LA MIEUX ADAPTÉE À VOS BESOINS ENTREZ CHOISIR LA PROTECTION D ASSURANCE DE SOINS DE LONGUE DURÉE LA MIEUX ADAPTÉE À VOS BESOINS La vie est plus radieuse sous le soliel La Sun Life du Canada, compagnie d assurance-vie est membre du groupe

Plus en détail

Innovation et système d information chez IBM WEB 2.0

Innovation et système d information chez IBM WEB 2.0 Innovation et système d information chez IBM WEB 2.0 2006 IBM Corporation Didier ROCHE Directeur BT&IT France, NWA 07 Février 2008 La feuille de route de la Business Transformation chez IBM Supporter la

Plus en détail

Formulaire d inscription (form also available in English) Mission commerciale en Floride. Coordonnées

Formulaire d inscription (form also available in English) Mission commerciale en Floride. Coordonnées Formulaire d inscription (form also available in English) Mission commerciale en Floride Mission commerciale Du 29 septembre au 2 octobre 2015 Veuillez remplir un formulaire par participant Coordonnées

Plus en détail