Questo è uno dei primi lavori che ho fatto nella mia vita professionale. Una ricerca di Marketing Culturale. Credo che in questi anni sempre più spesso si senta la necessità di profili che siano in grado di gestire sia l'aspetto culturale/creativo che quello economico/progettuale.
Questo è uno dei primi lavori che ho fatto nella mia vita professionale. Una ricerca di Marketing Culturale. Credo che in questi anni sempre più spesso si senta la necessità di profili che siano in grado di gestire sia l'aspetto culturale/creativo che quello economico/progettuale.
Programa educativo do Museu das Terras de Basto (Cabeceiras de Basto), apresentado no dia 3 de Fevereiro de 2011 no Núcleo Ferroviário de Arco de Baúlhe.
Evento realizado em Ribeirão Preto, com o objetivo de esclarecer os reflexos fiscais da lei de incentivo a cultura e incentivar a prática pelas empresas.
Virtualization, Cloud Computing And The Pci DssBen Rothke
Virtualization, Cloud Computing and the PCI DSS. How do virtualization and cloud usage affect compliance with PCI? QSAs Ben Rothke and David Mundhenk provide practical advice.
Différence entre paludisme présumé et cas confirmés - Prénsentation du 4e édition du Cours international « Atelier Paludisme » - Peka MALLAYE - Entomologiste médical - Ministère de la santé publique, Tchad - peka_mallaye@yahoo.fr
- Gross revenue was up 2.8% over the previous quarter to R$100.5 million
- The number of registered cards grew 16.8% to 24.1 million
- Net revenue was up 16.6%, gross margin up 2.6 percentage points, and EBITDA margin up 3 percentage points over the previous quarter
O documento resume os resultados financeiros da CSU CardSystem no 2T13, destacando:
1) Lucro líquido de R$0,5 milhões, revertendo prejuízo do trimestre anterior;
2) Aumento de 6,3% na margem EBITDA em relação ao 1T13;
3) Maior emissão mensal de cartões dos últimos 2 anos.
This document presents financial results for 2Q06. It shows that gross revenue increased from R$83 million in 2Q05 to R$90 million in 2Q06, while EBITDA declined slightly due to one-time IPO expenses. The breakdown of gross revenue shows increases across all business units, with the largest increase in the Credit & Risk unit. Cost of services increased 13.9% overall due to restructuring and new services. Gross income declined from R$14.3 million to R$11.7 million as margins recouped in the TeleSystem and Credit&Risk units.
- CSU CardSystem reported a net income of R$0.5 million in 2Q13, reversing the loss in 1Q13, with an increase in EBITDA margin of 6.3 percentage points.
- Gross revenue grew 9.0% over 1Q13, with 900,000 new cards issued in May 2013, the largest monthly issuance in two years.
- New clients were acquired for the Opte+ platform and CSU Contact, while costs were reduced through an implementation program.
This document provides an overview and analysis of CSU CARDSYSTEM S.A.'s cards market, operations, and financial performance. Key points include:
1) The cards market in Brazil has grown significantly in recent years and CardSystem has consistently outperformed the market in terms of growth.
2) CardSystem has issued over 6.7 million new cards in the last 12 months and managed accounts have increased 30% year-over-year.
3) While revenue was stable for CSU.Contact/Credit&Risk, renegotiating communication fees reduced costs and improved margins.
4) Overall, CSU has experienced growth in revenue, EBITDA, and margins across its
The document discusses CardSystem's 2Q07 conference call results. It states that CardSystem's card base grew 37.6% in 2Q07 compared to 2Q06, outpacing market growth. Revenue increased 11.4% compared to 1Q07 and 16.9% compared to 2Q06. Gross profit and EBITDA grew faster than revenue in 1Q07, showing improved efficiency. TeleSystem revenue declined 7.1% compared to 2Q06 but increased 13% compared to 1Q07, with negative gross margins. The platform for Caixa was delivered in June and additional investments are being studied.
Programa educativo do Museu das Terras de Basto (Cabeceiras de Basto), apresentado no dia 3 de Fevereiro de 2011 no Núcleo Ferroviário de Arco de Baúlhe.
Evento realizado em Ribeirão Preto, com o objetivo de esclarecer os reflexos fiscais da lei de incentivo a cultura e incentivar a prática pelas empresas.
Virtualization, Cloud Computing And The Pci DssBen Rothke
Virtualization, Cloud Computing and the PCI DSS. How do virtualization and cloud usage affect compliance with PCI? QSAs Ben Rothke and David Mundhenk provide practical advice.
Différence entre paludisme présumé et cas confirmés - Prénsentation du 4e édition du Cours international « Atelier Paludisme » - Peka MALLAYE - Entomologiste médical - Ministère de la santé publique, Tchad - peka_mallaye@yahoo.fr
- Gross revenue was up 2.8% over the previous quarter to R$100.5 million
- The number of registered cards grew 16.8% to 24.1 million
- Net revenue was up 16.6%, gross margin up 2.6 percentage points, and EBITDA margin up 3 percentage points over the previous quarter
O documento resume os resultados financeiros da CSU CardSystem no 2T13, destacando:
1) Lucro líquido de R$0,5 milhões, revertendo prejuízo do trimestre anterior;
2) Aumento de 6,3% na margem EBITDA em relação ao 1T13;
3) Maior emissão mensal de cartões dos últimos 2 anos.
This document presents financial results for 2Q06. It shows that gross revenue increased from R$83 million in 2Q05 to R$90 million in 2Q06, while EBITDA declined slightly due to one-time IPO expenses. The breakdown of gross revenue shows increases across all business units, with the largest increase in the Credit & Risk unit. Cost of services increased 13.9% overall due to restructuring and new services. Gross income declined from R$14.3 million to R$11.7 million as margins recouped in the TeleSystem and Credit&Risk units.
- CSU CardSystem reported a net income of R$0.5 million in 2Q13, reversing the loss in 1Q13, with an increase in EBITDA margin of 6.3 percentage points.
- Gross revenue grew 9.0% over 1Q13, with 900,000 new cards issued in May 2013, the largest monthly issuance in two years.
- New clients were acquired for the Opte+ platform and CSU Contact, while costs were reduced through an implementation program.
This document provides an overview and analysis of CSU CARDSYSTEM S.A.'s cards market, operations, and financial performance. Key points include:
1) The cards market in Brazil has grown significantly in recent years and CardSystem has consistently outperformed the market in terms of growth.
2) CardSystem has issued over 6.7 million new cards in the last 12 months and managed accounts have increased 30% year-over-year.
3) While revenue was stable for CSU.Contact/Credit&Risk, renegotiating communication fees reduced costs and improved margins.
4) Overall, CSU has experienced growth in revenue, EBITDA, and margins across its
The document discusses CardSystem's 2Q07 conference call results. It states that CardSystem's card base grew 37.6% in 2Q07 compared to 2Q06, outpacing market growth. Revenue increased 11.4% compared to 1Q07 and 16.9% compared to 2Q06. Gross profit and EBITDA grew faster than revenue in 1Q07, showing improved efficiency. TeleSystem revenue declined 7.1% compared to 2Q06 but increased 13% compared to 1Q07, with negative gross margins. The platform for Caixa was delivered in June and additional investments are being studied.
TeleSystem and Credit&Risk is a leading credit card and call center outsourcing company in Brazil that has experienced strong growth, with revenues increasing by 28% annually between 2001-2006 and net profits of R$16.1 million in 2006. The presentation outlines the company's diversified businesses and clients, strategic plans for future growth, and solid financial performance and corporate governance practices that position it as an attractive investment opportunity.
- CSU reported strong growth in 2Q12, with EBITDA expanding 19.7% and the EBITDA margin rising to 20.2%
- Gross revenues totaled R$103.5 million and the gross margin increased to 25.7%
- New contracts were signed to issue cards with Banco do Nordeste and Banpará that will generate over R$70 million in revenues
CSU completed 20 years of operations in 2012 and evolved into a full service provider of electronic transaction processing and administration. The company expanded into new fast-growing markets with profitable products and services. CSU achieved similar financial results in 2012 as in 2011, with margin expansion, generating R$64.8 million in EBITDA and R$22.2 million in net income for the year. Key business units grew customer bases, transactions and service offerings despite losing a large contract. The company maintained investments in innovative solutions and infrastructure while reducing expenses.
- A CSU apresentou resultados financeiros estáveis em 2012 com EBITDA de R$ 64,8 milhões e lucro líquido de R$ 22,2 milhões. No 4T12 a receita bruta foi de R$ 93,6 milhões com lucro líquido de R$ 3,2 milhões.
- Em 2012 a média de cartões cadastrados na CSU CardSystem foi de 19,9 milhões. A CSU Contact expandiu sua margem bruta para 12,4% no 4T12 operando 3,9 mil posições de atendimento.
-
O documento resume os resultados financeiros do 3T12, destacando a melhoria nas margens de lucro, o crescimento consistente da margem bruta da unidade de negócios CSU Contact e o aumento de 28,8% no lucro líquido em relação ao ano anterior.
- CSU improved profitability in 3Q12 with net margin of 6.0% and EBITDA margin of 17.8%
- CSU is focusing on commercial expansion to leverage existing assets and enter new markets and segments
- CSU aims to launch new high-technology products with profitability by the end of 2012 to drive growth
1) O documento resume os resultados do 3T12, com melhoria nas margens de lucro e expansão consistente na margem bruta da unidade de negócios CSU Contact.
2) A estratégia da empresa foca na expansão e diversificação de receitas, consolidando o posicionamento da CSU como provedora de soluções completas de transações eletrônicas.
3) A empresa direciona seus esforços para a expansão comercial, retomada do crescimento, e lançamento de novos produtos inovadores ainda em 2012.
O documento descreve a história de 20 anos do Grupo CSU no mercado brasileiro de pagamentos eletrônicos, estabelecendo quatro divisões de negócios e consolidando uma base sólida de clientes. O mercado de cartões no Brasil experimentou forte crescimento nos últimos anos e o Grupo CSU se posiciona para aproveitar novas oportunidades com a abertura do mercado de adquirência a mais concorrentes.
1) CSU is a leading provider of technology and business process outsourcing services in Brazil, with a 20 year track record and 20 million card accounts processed.
2) It operates the largest independent electronic payments processing platform in Brazil with a 44% market share among independent processors.
3) CSU offers a full range of services to card issuers and acquirers, including authorization, processing, customer service, and data analytics.
O documento apresenta a agenda do evento CSU Day 2012. A agenda inclui uma seção sobre a CSU, suas unidades de negócios de meios eletrônicos de pagamento, marketing services e contact center. Também inclui seções sobre a CSU por dentro, perspectivas para os mercados e slides adicionais.
1) A empresa teve expansão de 19,7% no EBITDA e aumento da margem EBITDA para 20,2% no trimestre.
2) A receita bruta totalizou R$103,5 milhões e a margem bruta elevou-se para 25,7%.
3) Novos contratos foram assinados para emissão de cartões com Banco do Nordeste e Banpará.
The document summarizes the history and operations of CSU Group, an independent company providing outsourced management and processing services for electronic payments. It discusses the company's four business divisions: payment processing and management, business process management for credit card acquirers, marketing solutions, and contact center/BPO management. It then provides details on CSU's focus on excellence in customer care through recruiting, training, management, and talent retention practices as well as its technological infrastructure and contact center operations.
O documento descreve a história e as operações do Grupo CSU, uma empresa pioneira em soluções de terceirização de processos de negócios no Brasil. O Grupo CSU possui quatro divisões de negócio e oferece serviços como processamento de pagamentos, gestão de processos, marketing digital e soluções de contact center. A empresa é reconhecida por sua excelência no atendimento, focando no desenvolvimento e retenção de talentos por meio de treinamentos, benefícios e oportunidades de carreira.
Twenty years ago, CSU Group was founded in Brazil to support banks and retailers in issuing credit cards. Since then, CSU Group has grown to become a leading provider of payment processing and customer engagement solutions. It now has operations across multiple Brazilian cities and has trained over 18,000 students through its social programs. CSU Group aims to provide innovative, high-quality solutions through its four divisions: payment processing, business process management, marketing solutions, and contact center management.
O documento descreve a história de 20 anos do Grupo CSU no Brasil. Ele foi pioneiro em fornecer soluções de terceirização e processamento de pagamentos para bancos e varejistas. Ao longo dos anos, o Grupo CSU expandiu suas operações e serviços, estabelecendo unidades em todo o país e conquistando reconhecimento no mercado por meio de prêmios e certificações. Atualmente, o Grupo CSU opera em quatro divisões de negócios relacionadas a pagamentos, fidelidade, contact center e ter
This document provides an overview of CSU CardSystem S/A, a Brazilian company with four business divisions: payment processing, business process management, solutions provider, and contact center management. It summarizes CSU's achievements in 2011, including resumed growth, successful migrations, alliances with banks/issuers, and the launch of new products. It outlines CSU's priorities for 2012, including expanding partnerships and product offerings, and increasing the use of new technologies. The document also discusses CSU's continuous investments in technology and healthy capital structure.
O documento descreve a história de 20 anos do Grupo CSU no mercado brasileiro de pagamentos eletrônicos, estabelecendo quatro divisões de negócios e consolidando uma base sólida de clientes. Ele também discute o crescimento do uso de cartões no Brasil e a nova regulamentação do mercado de adquirência, criando novas oportunidades competitivas.
- Gross revenue for the quarter totaled R$109.8 million, a 6% increase over the previous year's quarter. Key growth indicators like revenue, net profit, and EBITDA increased.
- The number of cards processed reached 25.3 million, up 26.5% year-over-year. APs at CSU Contact increased 21.3% annually.
- For the first nine months of 2011, gross revenues totaled R$319.3 million, up 1.4% over the same period in 2010, demonstrating the company's resiliency with increasing growth and profitability.
O documento resume os resultados financeiros da CSU CardSystem no 3T11. A receita bruta atingiu R$ 109,8 milhões, um recorde, 6% maior do que no 3T10. A CSU Contact teve aumento de 40,4% no lucro bruto. Foram processados 25,3 milhões de cartões, um crescimento de 26,5% em 12 meses.
- CSU CardSystem's gross profit, EBITDA, and net profit increased quarter-over-quarter in 2010 and 2011. Revenue, operating expenses, and net revenue also increased over this period.
- The company strengthened its commercial teams through new hires in sales and marketing. Relationship building events were also used to reach more prospects and strengthen its brand.
- CSU aims to continue growing by focusing on prospecting, strengthening its commercial teams, and building relationships in the market. Contact information is provided for any investor relations inquiries.
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