Nebyly nalezeny žádné informace o chystaných setkáních.
Vladimir Herda, Vyskumný a vývojový ústav Železníc: Mr. Herda explained about the activities of his Railway Insititute of Research and Develepment. The Institute’s activities include regular checks of railway infrastructure, calibration, information and security systems. Also the institute insures documenting history and keeping the history alive through various activities including reconstruction of reailwagon old-timers.
REGINA OVESNY STRAKA: Banking Vs Insurance Majority of Reginas working experience are in banking. Our new member, Regina, described that banking is a service and allowing to fulfil our dreams. Insurance is based on fear. Insurance product is about giving the client security of coverage before any risks coming to everyone of us. The most difficult is to sell it. Banks have mostly own employees and a part (20%) of the products are sold via broker. In insurance companies are products also sold through own employees, but majority 70% through brokers. Employees in banks are paid fix in 80% while variable part of the salary represents 20%. In insurance companies employees are paid by commissions (variable) part in amount of 95% of their salary and only 5% is fixed part. In the beginning, insurance employees earn much less compared to banking employees. The main reason is the process and time until the seller creates client basis. BANKS sell through branches and upcoming e-commerce tendency to make activities outside Customer relationship management mostly well developed currently short term to midterm oriented Insurance focused on face2face meetings outside of office - important to value the clients assets (many time clients don’t know what they really have or its assets value) 60% of all sales are closed outside of the office. Products are also sold electronically to reach young clients customer relationship mngmnt: client segmentation not common in insurance business. Currently the importance of CRM is low, but the increasing value of the databases will create demand and higher importance of the crm. Insurance is long-term oriented - if closing life insurance product, the agreement is closing for 60years, which pushes the importance and investments of the insurance company to create the ability to pay out e.g. life insurance in 60 years. Crises in 2009 BANKS buying bonds and shares, speculative and unable to pay at due date and bad loans (bad debt). Short term view caused shortage in liquidity and inability to pay out dues. Insurance reasons was long term view and conservative investments. Causes were not that severe as in banking industry. REGULATIONS - capital and equity BANKING BASEL III. Implementation of the regulation is undergoing and will be finalized in 2016. Focus is on guidelines and reports (tests) to evaluate banks approaches. Regulations have approximately 10ths regulations. Banks are supervised by EU (not by national bank of Slovakia). Also a question is whether EU has sufficient experts for controlling all EU countries INSURANCE SOLVENCY II - guideline under implementation will be finalized in 2016. Pillars in insurance: all reports to Slovak national Bank. Problem of guidelines: all regulators are concerned, that the bank industry will repeate the crisis from 2009 again. Currently the situation is represented by overregulation, which affects even the business, a lot of cost - employ people for such calculation regulating guidelines, forecasting and the client has no value added from the regulation. Business models in banking and insurance become more difficult. CHALLANGES: - low interest rates, estimation for the upcoming 3years the interest rates will not change. After the 3 - for insurance companies low interest rates invest in secure bonds (german bonds are very low), part of the money can be invested - client gets less revenue and insurance companies also earn less. - banks have difficulties with several products due to low interest rates - consumer protection: in Slovakia is far more intensive then in Austria. New security laws are coming in not only within Slovakia but also from EU. - e-commerce in banking are relaunching the branch network. A lot of banks start to refocus from branches (closing) to internet banking. - economic environment ANSWER TO CHALLANGES cost management and efficiency: look on solutions to become more efficient. Back offices may be reman aged, marketing budgets need to be remade. Business model will need to undergo severe changes due to economic environment, client expectations and needs (internet service), regulations.Also important is to create information channels within industries as well as between.
Gustavo de Souza: Gustavo presented his country of origin Brazil. Gustavo described Brazil from geographical, political as well as economical point of view. Our exchange student comes from Aluminio, Sao Paulo state. The town name comes from the aluminum factory, the largest company of this type in the world. The high school where Gustavo is attending is private and prepares students for work in variety of industries the students can choose. Students mainly start working in the mentioned aluminum factory in the town.
Milos Kmety: Europäische Reiseversicherung, history and activities
Katarína Hudecová: Kus Kus cirkus project Rotaract club Bratislava Danube
Martin Sloboda: Martin Slobodas new book "Bratislava" - Martin introduced us personally his new book „Bratislava“ who worked on it for the last two years - The book is not only about Bratislava itself, but about Slovakia and their people too. - First the layout was created including the context and pictures - Martin used also application called „sunseek“ to know when will bet he best time for taking pictures of perticular views - Detail work included even selection of places to take the pictures from. Martin was many times leaving Bratislava for the right spot and right time early in the morning to - Martin did his research from variety of organizations and state offices what would they and their partners look for. So was defined the main physical definition of the book and the context as well. The book shows where and how we are, what is important for a regular Slovak citizen - One of the motivations to create the book was the lack of image making activities inside and outside Slovakia. The book therefore is a clear representation of Slovakia and slovak people - The biggest challange was to adjust variety of styles of pictures into one beautiful piece of book. - Price of the book on the shelfs of stores is 35Euros a piece Everyone can take a look into the book also electronically and also buy one on the following web site: www.knihabratislava.sk
Mr. Krúpa, CEO of Hubert: Mr. Krúpa, CEO of HUBERT SEKT introduced us HUBERT company, one of the largest sekt producers in Europe. HISTORY: - the longest history among wine companies in Slovakia, founded in 1825 in Bratislava (Pressburg) - Founded by two entrepreneurs who started to produce first sparkling wine outside of France - 1875 the company was acquired by Hubert family. First the stake was a minority which became a 100% ownership in later years. - In the end of 19th century, the company was led by the daughter of the majority owner Paulina. She participated on many wine presentations around Europe. His majesty Franz Josef I. gave on Hubert sparkling wine during one of the presentations an astonishing feedback which became official. Ever since, the brand gained popular and popular. - 1946 the production volumes were approximatly 1500 pcs. - Todays annual production volumes reach 15million bottles of sparkling wine and wines together. - In 1952 the production moved from Bratislava to Sered due to origin of the grapes used for production. - In 2000, Hubert company became part of HENKEL corporation - In 2008 Hubert acquired Vitis Pezinok with Karpatske Brandy brand Products: - brutt: grows 12months, fermentation in bottles, hand remuage and degorgement. - Le original: 9months fermentation in bottles - Hubert Grand - Hubert de Lux: - Hubert Alcohol free: Alcohol free 0,5 alcohol in - Karpatske Brandy, - Karpatske Brandy Šecial: fermentation in oak barrells for 5 years, mixed with honey and sugar - Karpatske Brandy Exklusive: fermentation 7years
our members had an annual meeting in Prellenkirchen Kellergase where all of us had the opportunity to taste fresh "burcak", an early wine. During this unofficial meeting we hosted rotaract members as well as all our exchange students. Martin Sloboda announced, that the upcoming Rotary meeting September 25th will take place in Zillinder Restaurant at Hviezdoslavovo square starting at 4pm. Martin will be celebrating the introduction of his new book.
Tomas Osusky: Tomas Osusky had a presentation about his private and professional life. His professional career started in Datasystem company, where he had the opportunity not only to explore software development but also to see countries including CUBA. Later in the career he started working for an American Company allowing him to receive trainings and education on the American continent (New York, Arizona). Later as a sales person in IBM he met Peter Kucer and worked his career through executive member of the company’s management team IBM Global Services. Tomas worked in IBM for 15 years. After a short stay with Hollen company, Ernst and Young offered him a job as a an advisory director for Slovakia. Tomas worked on feasibility project about Digitalisation of Ministry of Culture and Ministry of Finance. The next challenge accepted by Tomas was a business unit leader Finance and member of the board in Asseco. From May 1st 2014, Tomas became a general director in Hollen, s.r.o. responsible for optimalisation and educative projects under the Hollen brand. Among many others, Tomas is also responsible for establishment of Hungarian office. In his free time, Tomas likes to play tenis, icehockey, cycling :| - a must due to his wife. Among others, Tomas still considers Rotary as his hobby and enjoys everytime with it.
