m a g a z i n e r o

“The motto behind StulzPlanaqua’s progress andsucces on this market isWater for man andfor the nature.This sums up our coreactivity andinvolvementin thisbusiness.”

2 0 1 2 / N o 2 1w w w. b u s i n e s s - a r e n a . r o

Gigel Enache

General Manager Stulz Planaqua Romania

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For more information please contact Cosmin Stangaciu at cosmin.stangaciu@business-arena.ro or phone 0755.274.125

e v e n t sand

Present

2012Business Arena Magazine proudly announces the upcoming special awards gala dedicated tothe ladies that make a difference in business. Business Arena Magazine recognizes the creativityand leadership of women in the workplace and their vital contribution to the success of businessand banking activities throughout Romania.

Premium Partner

Special Partners

Partners

Fear has said its prayersHenry Ross Perot used to say:

"Punishing honest mistakes stifles cre-ativity. I want people moving and shak-ing the earth and they are going tomake mistakes."

There is no perfect recipe for suc-cess, thus you should focus on yourgoals and not be affraid that you mightmake mistakes. They are inevitable inbusiness, as in life, but they build char-acter and open your eyes in ways youwould never expect.

As Doroth Bernard stated, courage isfear that has said its prayers. So take adeep breath and go on: find new busi-ness niches, grow your business, leadyour people to new heights so they canshake the earth. Don’t listen to thenoise around you, but decide to let thatlittle voice inside you (instinct) and doas it says. It never goes wrong!

Don’t believe me. Believe MarkTwain who said that “Courage is resist-ance to fear, mastery of fear - notabsence of fear”. The shifting times weare living gave us all a harsh – yet acommonsense - lesson in life: nothinglasts forever, as we know it. So go withthe flow and adjust. Do more than justsurvive. Adapt, discover and grow in anew world for a new generation.

As Andre Gide pointed out, “Man

cannot discover new oceans unless hehas the courage to lose sight of theshore”. For the past years we lost thissight, but now it’s high time we’ve dis-covered new “oceans”.

Just look at one another and rejoiceto the fact that you discovered thepower of “people connecting people”.With great pleasure I noticed that themost recent two Business Arena eventsbrought together foreign and Romanianbusiness people showing dynamismunparalleled in the last couple of years.Nationality or business field don’t mat-ter. What counts is the strength wereceive from working together, cooper-ating on various projects, recommend-ing each other via professional net-working and dedicated events.

We stand tall and strong together.We are ready to rebuild new lives anddestines as “All men are caught in aninescapable network of mutuality”.(Martin Luther King, Jr)

Enjoy creating, no matter if it’s anew business, jobs, products, services.Set fear aside and follow William Jamesas “An idea, to be suggestive, mustcome to the individual with the force ofrevelation”.

May you have profitable businessand a Happy Easter!

Editorial by LUCIANA PETRESCU

From all of us here at Business Arena, enjoy the quality, admire the value!

R o m a n i a n s e c t i o n - p a g e s 2 5 - 4 8

B u s i n e s s n e w s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4The Wealth Report confirms dominance of London and New York

DTZ evaluates shopping center development prospects

Austria-Romania Roundtable Business Conference and Awards 2012

Lu x u r y & l i f e s t y l e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 4 - 1 7Top Brand

G e n e v a I n t e r n a t i o n a l M o t o r S h o w . . . . . . . . . . . . . . . . . . . . 1 8 - 2 3Geneva motor show excels in cutting-edge technology

C o m p a n y p r o f i l e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 6 - 2 8Tehnologie [I know-how German pe pia]a rom\neasc\ de ap\

B u s i n e s s N e w s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 9Ascendis vizeaz\ cre[terea cifrei de afaceri

MasterCard propune un nou instrument `mpotriva fraudei

F i n a n c i a l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 2Cum schimb\ Regulamentul BNR accesul la credite pentru popula]ie?

B u s i n e s s n e w s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 3Maguay, premiat\ la CeBIT

M\rcile premium `nregistreaz\ sc\deri de pre] pe pia]a auto second-hand

B a n k i n g & f i n a n c e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 7Raiffeisen Bank raporteaz\ cre[terea profitului

R e a l e s t a t e . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 8Colliers mareste volumul evalu\rilor

B u s i n e s s n e w s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 9 - 4 0Olympus continu\ investi]iile

JW Marriott finalizeaz\ renovarea s\lilor de conferin]e

T r a v e l . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 3 - 4 5Bine a]i venit la bordh

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. . . . . . . . 8 - 1 3

B u s i n e s s n e w s

The 2012 edition of The Wealth Report,launched by Knight Frank and Citi Private Bank,showed that London, New York, Hong Kong, andParis are seen as the most important world citiesfor high-net-worth individuals (HNWIs). Beijingand Shanghai are the cities with the most rapidgrowth in importance to HNWIs. The report alsohighlights the increasing influence of global wealthflows on prime property and investment markets.

The newly wealthy from the world’s fastest-growing emerging economies rate stability, busi-ness transparency and education systems as the

most important factors in a global city; prices ofluxury housing in locations with this magic formulahave been underpinned by their interest.

In Europe, despite the past year’s continentalrecession, the main luxury market hotspots haveremained relatively hot – eight out of 10 top loca-tions in the Knight Frank Prime InternationalResidential Index (PIRI) price rankings are in theUK, France or Switzerland.

Prime property is a key part of portfolios –2011 saw a global increase in allocation to realestate of 19%; the largest climbers in 2011 popu-larity for investment were bonds (+65%) and cash(+60%).

According to the report’s unique AttitudesSurvey, lifestyle and investment remain the keydrivers for luxury second-home purchases, with

16% of all HNWIs surveyed already owning a skichalet, and 40% a beachfront property. The USand UK are the top second-home destinations forthe rich.

“This year’s Wealth Report contains even moreevidence that the world’s wealthy are weatheringthe economic slowdown better than the widerpopulation, and nowhere is this better reflectedthan in prime property markets. Those marketsconsidered “safe-haven” locations continue toattract private investors looking for both prime res-idential and commercial property. Political and

economic uncertainty across the worldis only helping to exacerbate thetrend,” said Andrew Shirley, editor ofThe Wealth Report. “But it is not justproperty where HNWIs from fast-growing economies are making theirmark. The Wealth report AttitudesSurvey reveals that they are playing anincreasingly important role in theworlds of sport, fine art, wine, andphilanthropy,” he added.

In turn, Luigi Pigorini, CEO CitiPrivate Bank Europe, Middle East &Africa, said: “Wealthy individuals andfamilies, especially those originatingfrom Europe, the Middle East, Africaand Asia, have become extraordinarilyglobal in nature. Many seek the rule oflaw and stability that make the UK a top

choice for investment. With English a popular sec-ond language and a relatively weak pound, the glob-al wealthy have confidently focused their interest onLondon and the wealth preservation it can afford.”

Pigorini added: “Investors seeking a more con-servative strategy have gravitated toward high-quality properties in central business districts incities such as Beijing, London, Munich, New York,Paris and Sydney. Conversely, for those willing toaccept more risk, high growth markets, such asAsia and Latin America, may be able to generatemore attractive returns relative to the US andEurope. Investors must remain cautious as globaleconomic growth will continue to influence allproperty markets, and investors should measuretheir yield and return expectations taking growthinto account.”

THE WEALTH REPORT CONFIRMS DOMINANCE OF

LONDON AND NEW YORK

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DTZ has published the industry’s first shoppingcentre guide to provide city and scheme level data.The DTZ ‘European Retail Guide – ShoppingCenters’ assesses socio-economic factors and thestrength of current shopping centre provisionacross 40 European cities to form a view on futuregrowth prospects for existing schemes and thepotential for new developments.

The guide shows that the European average forshopping centre provision per thousand inhabitantsis 382 sqm. It also emphasizes that there is majorvariance across Europe from Vilnius, which has thelowest amount of stock at 130 sqm per thousandpopulation to Stockholm which has 879 sqm.Bucharest has an average stock of 186 sqm perthousand inhabitants, three times higher thanRomania’s average of 56 sqm.

Currently, total shopping centre stock acrossEurope is almost 150 million sqm. France,Germany, Italy, Spain and the UK account for 60%

of this stock, DTZ’s guide showed. And althoughwestern Europe accounts for the largest share ofexisting stock, Istanbul and the CEE cities accountfor the largest share of the European shoppingcentre development pipeline.

The European average retail sales growth isforecast at two per cent per annum for the period2012-16. Higher than average growth is expectedin the CEE countries (e.g. 7.3 per cent per annumin Vilnius, 6.4 per cent in Riga) and the Nordiccountries (e.g. 3.4 per cent per annum inHelsinki). The lowest growth forecasts are insouthern Europe (e.g. minus 1.2 per cent inLisbon, minus 0.3 per cent in Milan). “Theongoing uncertain economic climate has led tomuted consumer spending in many Europeanmarkets. The economic slowdown and growingdifficulties in securing financing and governmentalpermits in many countries is limiting new shoppingcentre development. However, with huge variance

DTZ EVALUATES SHOPPING CENTER D

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BRD Groupe Société Générale has secured afinancing package of up to 30 million Euro from theEBRD to support sustainable energy investments bysmall and medium-sized enterprises (SME) andmunicipal sector companies.

The EBRD financing will be used to supportSMEs with loans of up to one million Euro forinvestments in projects such as commercial energyefficiency investments, stand-alone small scale renew-able energy investments, buildings sector energy effi-ciency and renewable energy investments, as well asinvestment for eligible manufacturers, suppliers andinstallers of energy efficiency and renewable energytechnology, equipment and materials.

The funds will also support, with loans of up tofive million Euro, investments made by municipalities,municipally-owned companies and private companiesproviding municipal services thus enabling them toimprove the energy performance of municipal infra-structure, including buildings.

“Compared with their counterparts in westernEurope, Romanian enterprises and municipalitiesspend a larger percentage of their overall costs onenergy bills. The EBRD financing, extended through

BRD Groupe Société Générale, will enable privatebusinesses and municipalities to implement projectsthat will reduce their energy intensity, and strengthentheir competitiveness and operational efficiency,”said Sylvia Gansser-Potts, EBRD Director forFinancial Institutions, EU Banks. In turn, BRD-Groupe Société Générale Chairman and CEO GuyPoupet said: “This new agreement with the EBRDconfirms BRD’s commitment towards supporting themodernisation of the Romanian economy and localcommunities through more efficient ways of energysaving. Becoming more efficient in using energy – aresource that becomes ever more expensive and rare– is key to Romania’s development.”

The financing package extended to BRD-GroupeSociété Générale includes an energy efficiency loanof up to 20 million Euro for on-lending to SMEsunder the Romanian SME Sustainable EnergyFinancing Facility (RoSEFF) and a credit line of up to10 million Euro under the EU/EBRD MunicipalFinance Facility. These two frameworks are beingimplemented, with the support of grant financingfrom the European Union for technical assistanceand the reimbursement grants for sub-borrowers.

BRD OBTAINS FRESH FINANCING TO SUPPORT ENERGY EFFICIENCY

INVESTMENTS

in the level of retail development in cities acrossEurope, and demand for shopping centre spaceholding up, there is scope for shopping centreinvestment over the coming years. In the moredeveloped markets, future investment will bechanneled into upgrading existing schemes. Indeveloping markets, new schemes will be thefocus, addressing undersupply and capitalizing onstrong retail sales growth forecasts,” said MagaliMarton, Head of CEMEA Research at DTZ andco-author of the guide.

Karine Woodford, Head of Occupier Researchat DTZ and co-author of the guide added: “Theopportunities that exist across Europe for shoppingcentre development are good news for retailerslooking to expand. Retailers will continue to focuson prime centers, where there is greater guaranteeof success. This presents shopping centredevelopers who are redeveloping existing centers,or building new schemes, the potential to attract

new brands and subsequently, new customers.”In turn, Martyn Chase, Head of EMEA Retail atDTZ, said: “Demand for shopping centers ismainly focused on established schemes whereretailers are still seeing opportunities, despite thechallenging conditions. This is reinforcingpolarization between prime and secondary centersin many markets. However, there is huge potentialto invest in quality retail property and to preparefor new development when the recovery comes.

Developers need to focus on good assetmanagement, including selective refurbishment andredevelopment, to attract new retailers into themarket.”

DTZ, part of UGL Services, a division of UGLLimited, is advising on over 500 shopping centersthroughout Europe, totaling over 10 million sqm.In Romania, DTZ Echinox has a portfolio of 10exclusive and co-exclusive projects, totaling over400,000 sqm.

R DEVELOPMENT PROSPECTS

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Speaking about the economic relations betweenthe two countries, Rudolf Lukavsky, CommercialCounselor with the Austrian Embassy, told theparticipants that the bilateral trade stood at threebillion Euro, with Austrian exports to Romaniaaccounting for 1.9 billion Euro of the total. “Thevolume of Romanian exports to Austria reached anall-time-high in 2011. There has also been achange in the portfolio of products. We no longerhave the customary agricultural products, textiles,leather products and raw materials. Nowadays,Romania exports more and more industrial prod-

ucts to Austria,” said Lukavsky.Referring to investments, he

emphasized that Austria was a verystrong investor, not only inRomania, but in the entire CEEregion. “Austria is the number oneinvestor in many of the countries in the region. InRomania, Austria is the second-largest investor,with 9.4 billion Euro, accounting for 18 per centof FDI according to statistics. More than 6,000Romanian companies have Austrian participationto their capital and they employ some 100,000

Austria-Romania Roundtable Business Conference and Awards 2012

AUSTRIAN BUSINESSES

KEEP SPIRITS UP

B u s i n e s s A r e n a - E v e n t sh

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Banking on solid economic recovery in the medium term,the participants to this year’s edition of Business Arena’s

Romania – Austria Roundtable Conference and Awardsexpect good business prospects up ahead.

people combined. Austrian investments are pres-ent in virtually all sectors, including agriculture,forestry, industry and services. To name just a fewprominent examples, Austria is market leader inbanking and insurance. Austrian operations in thebanking sector account for nearly 40 per cent ofthe Romanian banking market,” said Lukavsky.

He also indicated that OMV was the biggest taxpayer in Romania and the largest employer in theprivate sector, following its initial investment of1.5 billion Euro in Petrom in 2004 and ongoinginvestments of around one billion Euro every year.At the same time, the Austrian diplomat men-tioned the importance of the many hundreds ofsmall and medium-sized companies, which ensureAustria’s strong position as a business partner forRomania.

Hosted by the JW Marriott Bucharest GrandHotel, the event was organized in partnership withBostina & Associates, Volksbank Romania,Baumax, Iulius Meinl, and Corporate Baskets. Theevent ended with an award ceremony to recognize

the outstanding achievements of Austrian andAustria-related operations.

Please find below some of the views expressedduring the meeting.

Cezar Bu[u, Deputy Managing Partner,Bo[tina & Associates, spoke about thefirm’s Austrian experience:

We set up our office in Vienna back in 2006. Itwas the year before Romania’s EU accession andwe thought it would be a good idea for us to posi-tion ourselves on the Austrian market. From thevery beginning we saw that office as a gateway forAustrian investments to Romania.

Everyone knows that the legal system inRomania is not for the faint-hearted and many for-eign investors complain about the legal maze thatsuffocates business enterprises and more or lessthe entrepreneurial spirit. In order to helpinvestors avoid the annoyance of a less stable legalsystem and ever changing fiscal regulations in

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With total investments of around 9.4 billion Euro, some 6,000 registered companies and

combined staff numbers of around 100,000, Austrian investors have had an active presence

in virtually all sectors of the Romanian economy.

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Romania, we decided to set up the office in Viennaand advise Austrian investors.

The opening of our Vienna office was part ofour effort to expand abroad. We are proud to havebeen the first law firm to expand abroad and bepresent in the European hot spots, where moneymoves. Apart from expanding abroad, we havemade a parallel effort to expand on the domesticmarket as well. Thus we have developed a networkof branches throughout Romania and we currentlyoperate 19 offices nationwide.

We can see the first signs of economic recoveryin Romania. As lawyers we are in a privileged posi-tion to notice the moves on the market. Form thatposition it is easier for us to anticipate the driversof recovery.

Keith Parker, International Trainer in

Business Development, made several

remarks about Romania’s economic

prospects:

In my trade, which is training, I see things mov-ing forward. I seem to spend a lot of my time inRomania. I see myself coming here more andmore. Not only do I see myself coming over here,it an attitude of the people who I am actually talk-ing to. It is a positive attitude that is coming overfrom there. The other thing I noticed, which mightsound a little bit weird, is the type of traffic I seeon the road. It’s not just cars going past, it is con-struction vehicles that are going past, it is morepeople moving goods around within the city. So inthat way, I do see a sense of recovery comingacross.

Ciprian Ni]u, Brand Manager Romania,Iulius Meinl, commented on thecompany’s 150th anniversary:

Our company’s story started 150 years ago andI think it will last for at least another 150. Thecompany’s operations are based on core valuessuch as originality and tradition, expertise, andfamily. Each one of these values has its own indi-vidual message, which we are trying to convey toour consumers and customers.

Our tradition goes back to the time whenJulius Meinl I opened his first colonial grocerystore in Vienna. At first, coffee was just one of

the products on sale, but over the years heworked on establishing standards in the businessand he became the first industrial roaster of cof-fee in Europe. Our expertise is linked to this longtradition, but it is also based on the developmentof standards in coffee processing. Julius Meinlstarted roasting coffee industrially in 1891, sopeople could get properly roasted coffee, with

Austria-Romania Roundtable Business Conference and Awards 2012

B u s i n e s s A r e n a - E v e n t s

W i n n e r s 2 0 1 2

Most Creative

and Innovative Approach

to Tourism Development

ÖSTERREICH WERBUNG

…for vision, strong leadership and creativestrategy in promoting Austria as a tourist

destination.

Most Admired Business

Strategy & Company Culture

IULIUS MEINL

…for achieving a high level of recognitionfrom the general business community forcorporate success, creative presentation,

outstanding sales and service strategy basedon its 150-year-old tradition.

Most Dynamic Investor Support

Strategy Development

BO{TIN| & ASSOCIATES

…for outstanding vision and innovation indeveloping successful projects at its Austrianoffice, created to support Austrian companies

interested in investing in Romania.

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the same taste and quality all the time. Worldwide, the company reached a turnover

of 125 million Euro in 2011. We sell our coffeein 70 countries and in 15 of them we have ourown branches. We have two facilities for roastingand packaging. The old facility in Vienna hasoperated in the same location since 1911, whilethe second one opened in 2005 in Vicenza, Italy.

This new facility has given us assortments of cof-fee with an Italian type of roast, which is indemand these days.

Our mission is to ensure Julius Meinl’s posi-tion as the number one premium coffee in theHORECA segment worldwide. We also want tobring the Viennese coffee house culture toRomania.

GABRIELE LENGER, MARKET MANAGER ROMANIA

ÖSTERREICH WERBUNG

CIPRIAN NITU, BRAND MANAGER ROMANIA

IULIUS MEINL

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Nicola Szekely,

CEO, bauMax

Romania,

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optimistic note

regarding the

economy:

We are a 35-year-old retail com-pany founded inAustria, and still100 per cent family-owned. We are mar-ket leaders in cen-tral and easternEurope and numberthree on theRomanian market, with 15 stores. Our latest storeopening was in Cluj. We have two stores inBucharest and we are very proud to offer the bestprices on the Romanian market when it comes toDIY.

I believe the beginning of 2012 has been a bitbetter than 2011. In the short term, I think weshould expect a bit of uncertainty. Hopefully nobad news will come from abroad and I believethings will slowly improve. In the medium term, Iam very positive about Romania. I think the coun-try is more balanced now than it was tree or fouryears ago. The country is no longer spending

much more than it has. The good news is that the country is no longer

exporting mainly agricultural products. We buymore from domestic suppliers.

Three years ago our biggest competitors wereall from Germany. Today our biggest competitor isfrom Romania. It is not easy for us, but it is goodnews for the country to have such strong domesticcompanies that can compete with seven or eightinternational retailers from Germany, from Austriaand from France.

So in the short term, we will have some uncer-tainty, in the mid-term the country is well placed,

Austria-Romania Roundtable Business Conference and Awards 2012

B u s i n e s s A r e n a - E v e n t s

while in the long run I think thebiggest problem for this coun-try, as for most of Europe, isthe demographic development.

Our usual investment in anew store is 20 million Euro.We had a plan to open aboutthree stores a year, but wehave slowed down a bit, so weare at one or two stores a yearat the moment.

Ray Grigoriu,General Manager,CorporateBaskets, focusedon the importanceof managing goodrelations withclients:

We cannot say that ourclients have inadequate clientretention systems, but we willtry to add a little touch oforiginality and style to theirsystem. In this respect, we areputting our six-year experi-ence to work for our clients.Also a training company willgive some specialized coursesafter Easter in a bid to helppeople foster their relationswith their clients.

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CEZAR GUSU, DEPUTY

MANAGING PARTNER

BO{TIN| & ASSOCIATES

HYT H1 in 5N rose goldThis was announced in January and pre-

viewed here, and now at Baselworld 2012 ithas finally be officially launched. Using liq-uids to indicate the time, the hydro-mechani-cal HYT H1 is one of the most interestingwatches of the fair so far.

HYT H1 in 5N rose goldThe idea behind it is simple. The clear

tube running along the circumfrence of thedial has two immiscible liquids inside, oneclear and the other a fluorescent green.

The meniscus of the two liquids indicatesthe hour and as the hours pass, the meniscustravels forward clockwise. This is thanks totwo bellows, made from a flexiable alloy,which are driven by pistons, situated at sixo'clock. Once the meniscus hits six o'clock, itquickly rushes back to six on the other side,like a retrograde hand, and starts over. (Avideo at the end of this post illustrates theconcept nicely.)

As for the rest of the dial: at nineo'clock on the dial sits the seconds handwhich resembles a water wheel. Adjacent to itis the minutes display and then at threeo'clock is the power reserve indicator.

The H1 in titaniumThis is a large watch at 48.8 mm wide and 17.9 mm thick. The

domed sapphire crystal alone is 5 mm thick, because it has to accomo-date the tube containing the two liquids.

The movement runs at a conventional 28,800 bph and has arespectable 65 hour power reserve.

Four versions of the HYT H1 are available. Titanium, titanium withblack DLC coating, 5N rose gold with black DLC components, and 5N rosegold. The price is in region of CHF60,000. While still a substantial sum,it is reasonable for a watch like this, in my opinion.

Clockwise from top left: titanium, titanium with black DLC coating,5N rose gold, 5N rose gold and black DLC coating

The H1 is a very intriguing idea, and one that will be exceedinglyinteresting if it works as planned. There are so several things I can thinkof that might go wrong, like the fluids mixing or evaporating, thoughHYT says all of these have been addressed.

And as has become the norm in independent watchmaking, thanksto Max Büsser's "friends" concept of listing each and every personinvolved in the creation of his Machines, HYT has revealed the identitiesof all the key individuals behind the company.

To realise this novel mechanism required two teams, led by fromAudemars Piguet COO Bruno Moutarlier. The group comprising Jean-François Mojon and his company Chronode SA worked on the watchmovement, while the other team made up of HYT's founders, Patrick

Berdoz, Lucien Vouillamoz and Emmanuel Savioz, in acompany known as Preciflex, dealt with the fluidmechanics. It was Mr Vouillamoz came up with the ideaof a hydro-mechanical watch in 2002. And the lattergroup had the advice of Helbling Technik, a technicalconsultancy with experience in medical devices whichuse fluids.

Interestingly several of the people involved in HYThave medical technology backgrounds. Mr Berdoz found-ed and sold prosthetics company Precimed, while boardmember Michael Orsinger is a senior Novartis executive.

And HYT itself is led by Vincent Perriard, formerlythe CEO of Concord and then Technomarine. While atConcord Mr Perriard experimented with a liquid powerreserve display in the Concord C1 Quantum Gravity tour-billon, which was an enormously expensive; only a hand-ful were made before its maker, BNB Concept, went bust.

HYT H1 in 5N rose gold and black DLC coatingAnother notable figure in HYT is Dr Ernst Thomke.

Best known as one of the key figures (or maybe the keyfigure) in the creation of the Swatch watch, he was alsoformerly the CEO of ETA SA and SMH (the predecessor of Swatch AG).

L u x u r y & l i f e s t y l e - T o p b r a n dh

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As the luxury market has remained largely untouched by theglobal economic turbulence, we continue our journey intothe world of fine watchmaking with several new examples

of exquisite creativity and style.

Vacheron Constantin redesigns its Malte collection

In 1912, eager to make a clean break with therounded shape of its pocket-watches, and impelledby an avant-garde spirit entirely in keeping with anera of progress, Vacheron Constantin became one ofthe first watch manufacturers to adopt tonneau orbarrel-shaped cases. Right from its appearance, itbecame an emblematic shape that would be associ-ated over the century with the most prestigioushorological complications, interpreted in particularthrough the Malte collection, first introduced in2000.

The celebration of this century of history nowprovides the Manufacture with an opportunity toredesign its Malte collection and to enrich it withfour new models featuring pure, refined lines –four variations that are perfectly classic in terms oftheir spirit, yet eminently contemporary when itcomes to their style.

The new Malte Tourbillon, Malte small secondsand Malte Lady are complemented by an anniversarywatch issued in a 100-piece limited series and sym-bolising this century of existence. The few newlaunches have been designed and crafted to accentu-ate the fact that the form watch continues to hold aplace of its own – one of exclusivity, originalityand sophistication – within Fine Watchmaking andto pursue its time-honoured vocation at VacheronConstantin.

This approach to the specific design codes of theMalte collection – which will pave the way for acomplete range of interpretations over the coming

years – is naturally accompanied by a reflectionon mechanical horology and watchmaking crafts-manship. With this in mind, the VacheronConstantin engineers and movement design engi-neers have developed a new tonneau-shapedmovement moulding the shape of the case. Calibre2795, entirely developed and crafted in-house,beats at the heart of the Malte tourbillon modeland displays the brand’s proven mastery of theworld of horological complications.

Moreover, the Malte Tourbillon, Malte smallseconds and Malte 100th Anniversary Edition areall officially approved as meeting the new criteriaof the Hallmark of Geneva – an independent cer-tification of origin as well as a label honouringthe technical and aesthetic mastery of FineWatchmaking expertise.

With this new Malte collection, VacheronConstantin is paying tribute to a century filledwith a wealth of tonneau-shaped creations, andcelebrates its fundamental values based on classi-cism, elegance and technical mastery.

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L u x u r y & l i f e s t y l e - T o p b r a n d

Girard-Perregaux 1966 Jewellery

A white - or pink-gold gown, a face lit upwith diamonds, a heart whose regular beatsheightens its precision... The Girard-Perregaux1966 Jewellery watch bears witness to thevirtuo sity of the brand. Craftsmanship where ele-gance competes with technology.

Today the watch case of the Girard-Perregaux 1966 Jewellery watch bears witness tothis. Cut from white or pink gold, this 38 mmdiameter remains faithful to the great classics ofwatchmaking. Its elegance is revealed both inthe sparkle of the 807 diamonds that carpet thewatch and in the harmony emitted by its silhou-ette. Haloed with a gem-set bezel, the slightlycurved dial, entirely paved with "brilliant"-cutprecious stones, required hours of meticulousgem-setting work. The twinkling diamonds arearranged in concentric fashion striking hypnoticeffect. Keeping watch over time, the "leaf"-typehour and minute hands and four applied hourmarkers lend their elegance to the sophisticationof the piece.

The alligator-skin strap supplely encirclesthe wrist, closing with a delicately gem-set

ardillon buckle. The purity of the piece is com-pleted by the beauty of its mechanism. Themechanical movement with automatic windingmanufactured at Girard-Perregaux is equippedwith a power reserve of over 46 hours. Visiblethrough the sapphire-crystal case back, its goldoscillating weight is engraved with circular Côtesde Genève decoration. Renowned for its delicacyand reliability, the calibre 3300 is the worthyheir to 221 years of watchmaking expertise.

Technical specificationsCase in white or pink gold with convex anti-glaresapphire crystal / Bezel: white or pink gold, setwith 72 diamonds (~0.85 carat)Case back: anti-glare sapphire crystalDimensions: 38.00 mm / Water resistance: 30metres / Crown: white or pink gold, engravedwith the GP logo / Dial: set with 713 diamonds(~2.97 carats) / Hands: "leaf" typeGirard-Perregaux 3300-0066 movementFunctions: hours, minutes / Dimensions: 11 ½ '''- 25.60 mm / Total height: 3.20 mm / Jewels:26 rubies / Power reserve: minimum 46 hoursWinding: automatic, oscillating weight in pinkgold with Côtes de Genève engraving / Ardillonbuckle in white or pink gold, set with 22 dia-mondsh

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Harry Winston Histoire de Tourbillon 3 Watch

Well, here’s a new one to ponder: the new Harry WinstonHistoire de Tourbillon 3 Watch. This is the third series in HarryWinston’s exploration of the tourbillon, though in a much differentform factor. Beast: the watch case is a whopping 65.9mm x45.9mm. Engineered to display the three tourbillon systems to theirbest advantage, however! Beauty: The hours and minutes are shownon discs rotating against their respective markers, and the seconds ona scale around the bi-axial tourbillon. Harry Winston shows off itsflair with gemstones by using blue sapphires and citrines to indicatethe power reserve — very nice.

Only 20 of each tourbillon artwork in the Histoire de Tourbilloncollection are produced, i.e. elite collectors only. Officially unveilingwill be in early March at Baselworld (the world’s largest annualwatch show), so stay tuned in.

Limited edition 20 pieces65.9mm x 45.9mm white gold case, caseband and lugs in

Zalium (a hard and ultra-light zirconium alloy),manual-wind tripletourbillon movement w/50 hrs power reserve

Eleven color-graded blue sapphires from dark to pale show thepower left in the mainspring. The markers for the hours and minutesare color-matched with the gemstones. When the six yellow citrinesappear against the marker, it’s time to wind up the watch.

Three tourbillons are in action, each rotating at different speeds.Two of them are nested one inside the other “to rotate the fourthdimension of time through the three dimensions of space.” In this bi-axial tourbillon, one tourbillon carriage rotates every 40 secondswithin a second carriage going around in 120 seconds on an axis per-pendicular to the first. This ensures that the vibrating balance movesthrough every possible plane in relation to the field of gravity to

average out positional errors. The third tourbillon carriage rotates aseparate balance on a single axis in the conventional way, but at therelatively high speed of one revolution every 36 seconds. This tourbil-lon is most effective when the watch is in a vertical position, and byrotating the balance quickly it minimizes its exposure to the effectsof gravity. For even greater precision, the two regulating systems areconnected through a differential gear that gives an average of theirtwo rates.

Rarefied Alpine air. A majestic collection of world famous peaks.Stunning views that stretch all the way to neighboring countries. Zermatt,Switzerland is clearly ‘the top” when it comes to the mountain experience.And now the worldly winter capital lends its name to a collection of watchesdesigned to take time keeping to new heights.

“Zermatt” is a numbered, limited edition collection of five- time zonewatches from Geneva-based IceLink, set to debut at Baselworld 2011. Only99 pieces available, and each has its series number emblazoned on its case.A special ILMM1 mechanical movement powers all five time zones simultane-ously, and setting one automatically sets the others. The watch’s imposingrectangular case measures 63.32 x 43.13, and is divided into a sleek, cleangrid that displays five dials and the iconic IceLink lion logo. Keeping upwith the rest of the world has never been easier, or more stylish.

Cases are made of cool and modern brushed black titanium or stainlesssteel, while accent and index options range from practical to precious. Allstraps are black rubber. Perfect for the traveler, or anyone who wants to beglobally connected, the “Zermatt” collection offers four different intriguingdesigns.

MODEL SPECS:STYLE NUMBER ZT1CASE Brushed Black Titanium & 18K Rose Gold ScrewsMOVEMENTS ILMM1 Customized IceLink movementDIAL Black Metallic with Rose Gold IndexWATER RESISTANT 5 ATMWARRANTY 5 yearsSIZE 63.32mm x 43.13mmSUBTITLE Monte Rosa

Corum Admiral's Cup Legend 42 Annual Calendar

Over 30 years ago, Corum turned the tide of history towards thetwelve-sided shape with its Admiral’s Cup model, a unique watch evok-ing the world of sailing.

In 1956, British members of the Royal Ocean Racing Club (RORC)launched a challenge off the Isle of Wight which would become one ofthe world’s finest sailing races: the Admiral’s Cup. A few years latter,an eponymous square watch was introduced by Corum. The companydesigners later redesigned its contours and adorned it with what was tobe its signature feature: a twelve-sided bezel adorned with 12 nauticalpennants from the International Maritime Signals Code.

The Admiral’s Cup Legend 42 Annual Calendar stems first and fore-most from a desire to offer a model with a powerful visual identity.Crafted in red gold or steel, with a silver-toned or anthracite dial, thewatch is distinguished by pure lines and a philosophy firmly focused onessentials. The various calendar functions are displayed clearly and har-moniously on the dial. In addition to the hours, minutes and seconds,the watch indicates the date around the dial circumference by means ofan openworked hand, and the months through a snailed aperture at 6

o’clock. Representing a remarkable and eminently useful horological complication, the annual calendar automatically takes account of 30- and 31-day months, thus requir-ing just one adjustment per year, at the end of February. The time indications are provided by three semi-openworked hands, faceted and enriched with a white luminescentsubstance that makes them stand out in the dark. The date hand with its Corum key symbol counterweight sets a final precious touch to this charming picture.

Water-resistant to 30 meters, the 42 mm-diameter case of the Admiral’s Cup Legend 42 Annual Calendar houses the mechanical automatic Corum CO503 movement,endowed with a 42-hour power reserve. On the reverse side of the watch, a sapphire caseback reveals the heart of the movement and its oscillating weight personalizedwith the brand logo. The leather strap comes fitted with a folding clasp for the steel version and with a pin buckle for the gold variation. The Admiral’s Cup Legend 42Annual Calendar is issued in a limited annual production run of 25 in red gold and 150 in steel.

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New Boxster makes its international debutPorsche presented one world premiere and two

European premieres at the Geneva Motor Showthis year. The new generation of the Boxstermade its international debut, while the PanameraGTS and 911 Carrera Cabriolet were the compa-ny’s European premieres.The company specified that the technical highlightof the new Boxster generation is the considerablylower weight thanks to the lightweight designbody and the completely revamped chassis. Themid-engine roadster’s comprehensive revampingis also apparent in its looks: the wheelbase hasincreased, the track is wider and the wheels arelarger. In the process, Porsche has not just signifi-

cantly enhanced the driving dynamics, but thenew Boxsters are 15 per cent more fuel-efficientas well. Thanks to a root and branch stylingmakeover with shorter body overhangs, signifi-cantly forward-shifted windscreen, flatter silhou-ette and expressive edges, the roadster’s roadposture is more muscular and more striking. Theinterior offers more space and the interior con-cept reflects the new Porsche outline with theraked centre console.Porsche unveiled the 911 Cabriolet to a Europeantrade fair public right on cue for the open air sea-son. Intelligent lightweight design, even featuringthe use of magnesium in the hood, ensures lessweight and more sportiness, lower fuel consump-

tion and greater comfort. The second European premiere, thePanamera GTS, the four-door car forthe racing circuit, puts on a persua-sive performance with an NEDC fuelconsumption of 10.9 l/100 km –only 10.7 l/100 km with low-frictiontyres – and a top speed of 288km/h, having first accomplished thesprint to 100 km/h in a mere 4.5seconds. Its race track credentialsare above all down to its chassis:more power, upgraded brakes, abody lowered by ten millimeters andthe especially sportily tuned chassiswith air suspension and PASM arethe major technical modifications.

Geneva motor show excels in cutting-edge technology

Some 150 world and European premiers were presented at the 82nd Geneva International Motor Show betweenMarch 8-18. From chic city cars to stylish and powerful sports cars, the new models also represented the latest tech-nologies for the most ecological and economic motoring. Arnold Schwarzenegger, former Governor of California, chosethe Geneva International Motor Show to promote his new association with the ecological transportation movement. Heexplained to the press that “all the world’s motor shows should have a Green Pavilion like the one here.” The twentyexhibitors at the Green Pavilion, including many of the large automobile manufacturers, had their “green” modelsavailable for test drives around a special closed circuit.

As with every year, visitors were able to discover the latest technologies and see the new models from more than30 of the world’s major manufacturers. In addition, the winner of the Car of the Year award was named at the GenevaInternational Motor Show for the first time.

With more than 260 exhibitors occupying a total of 110,000 sqm of exhibition space, the Geneva InternationalMotor Show attracts more than 700,000 visitors each year.

G e n e v a I n t e r n a t i o n a l M o t o r S h o wh

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Electric outcome for “Car of the Year” competition

The Opel Ampera and the Chevrolet Volt wonthe “Car of the Year 2012” award. The panel ofjudges, made up of 59 leading automotive jour-nalists from 23 European nations, paid tributeto General Motor’s innovative foresight and itsmodels were the undisputed winners with 330points against VW Up (281) and Ford Focus(256).

For the first time in the history of the prize,the final selection was made in the context ofthe Geneva international motor show. TheOpel/Vauxhall CEO, Karl-Friedrich Stracke, andChevrolet’s President and Managing Director forEurope, Susan Docherty, were both handed the“Car of the Year 2012” award by the Presidentof the COTY judging panel, Hakan Matson.The Ampera and the Volt emerged as the jointoverall winner in a field of seven COTY finalists.Initially, 35 recently launched vehicles enteredthe contest. The selection criteria applied bythe judges were based on attributes such asdesign, comfort, performance and especiallyinnovative technologies as well as efficiency –areas where the Ampera and the Volt excel."It is a proud moment for us and an honor toreceive this award from Europe’s leading jury ofautomotive journalists," said Susan Docherty,President and Managing Director, Chevrolet

Europe. "Our car demonstrates that electricdriving can be fun and reliable without evercompromising the owners’ lifestyle."

“We are extremely pleased that our revolu-tionary electric vehicle has emerged as the win-ner in such a tough field of competitors. And weare very proud of this accolade,” says theOpel/Vauxhall CEO, Karl-Friedrich Stracke.“This encourages us further to continue ourleadership role in the area of e-mobility.”The Volt and the Ampera have won many inter-national awards including the “World Green Carof the Year 2011” and the “North American Carof the Year 2011” award. There have also beenaccolades for safety like the maximum 5-starEuro NCAP award.

The Ampera and the Volt are the first electricvehicles in the market that can go anywhereanytime. A 16 kWh lithium ion battery powersthe 111kW/150 hp electric motor. Dependingon the style of driving and road conditions, dis-tance of between 40 and 80 kilometers can becovered in the purely battery-operated mode,completely free of emissions. The wheels of thecar are always powered electrically. In extend-ed-range mode, which activates whenever thebattery has reached its minimum state ofcharge, the gasoline engine drives a generatorthat supplies the electric drive unit. The rangeextender enables an operating radius of 500kilometers.

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Mercedes-Benz showcases its new models

In addition to the new A-Class, Mercedes-Benzpresented plenty of new models at the GenevaMotor Show.

The latest version of the Mercedes-Benz SL 63AMG high-performance roadster impresses on

several counts: systematic lightweight construc-tion, increased output and enhanced drivingdynamics, all combined with a 30 per cent reduc-tion in fuel consumption and emissions. Thanks toan all-aluminium bodyshell, similar to that of theSLS AMG supercar, the vehicle has shed 125 kilo-grams. With a kerb weight of 1,845 kilograms andan output of 395 kW (537 hp) or 415 kW (564 hp),the new model boasts the perfect ingredients forunparalleled dynamism and a sublime driving expe-rience that is truly unique. A further boost in per-formance comes courtesy of a winning combina-tion: a further improved AMG sports suspensionbased on Active Body Control, new AMG speed-sensitive sports steering, the AMG high-perform-ance compound braking system and the AMGSPEEDSHIFT MCT 7-speed sports transmission.

Mercedes-Benz is also sharpening the profile ofthe C-Class. With the new "Sport" Coupé modelsdeveloped with AMG and the new "AMG PlusSports package", there has never been a widerchoice of sporty versions. The new models areavailable from June 2012. The AMG Plus Sportspackage can be combined with all body andengine variants. The name says it all – the new

coupé models C 250 Sport and C 250 CDI Sportare decidedly dynamic, as the performance spe-cialists at AMG were heavily involved in theirdevelopment.

In addition to the visually enhanced AMG PlusSports package, both models have technical fea-tures which further increase driving enjoyment.Cornering and handling characteristics are more

dynamic thanks to an AMG sports suspen-sion, more direct speed-sensitive sportssteering, a sports exhaust system and amore sporty transmission configuration inS and M mode. The matt paint finish"designo magno platinum" is exclusivelyavailable for the sport models.The E 220 CDI BlueEFFICIENCY Editionthat is available from March 2012 is sim-ply one of the most economical cars in itssegment. Thanks to a bundle of efficiency-boosting measures, including anAerodynamics package, electric powersteering (EPS), a longer final-drive ratioand size 205/55 R 16 tyres with lowrolling resistance, the model emits just119 g CO2/km – ten grams or nearlyeight percent less than before andequates to 4.5 litres of diesel per 100km. On show in Europe for the first timewere also the E 300 BlueTEC HYBRID,

the lightweight, athletic and luxurious SL-Classand the ML 63 AMG. New are also the fuel effi-cient C 180 BlueEFFICIENCY and the exclusive"Grand Edition" of the CL.

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Strong line-up from Aston Martin Aston Martin exhibited eight models at this

year's Geneva Motor Show, displaying the V12Zagato in production form - the European debutof this limited edition, the V8 Vantage S andrecently revised V8 Vantage, a DBS Coupe, V12Vantage and Rapide. Also on display were twounique cars, a Cygnet and Virage Volante pre-pared by the new bespoke service, Q by AstonMartin. According to the company, Q by AstonMartin is a service that goes beyond the stan-dard palette of paint, leather and trim finishes,taking the Aston Martin into a new era in per-

sonalization. The company also specified that 2012 markedthe fifth anniversary of an independently ownedAston Martin, a five year period which has seenthe company go through unparalleled develop-ment to become one of the world's mostacclaimed manufacturers of luxury sports cars.Fittingly, this year's Geneva Show saw the com-pany display the strongest model line-up in its99 year history, proving that more than everbefore, Aston Martin is at the forefront ofbespoke manufacturing, the new dynamic in theluxury marketplace.

Volvo launches the new V40Volvo revealed its all-new V40 at the Geneva

Motor Show. The new model will be built inVolvo Car Corporation's production plant inGhent, Belgium and production is to get under-

way in May2012.The com-pany saidthe V40 isready toovertakethe compe-tition in thePremiumHatchbackclass withcharacter-istics fromlargerVolvoswrapped ina sleek,compactpackage.The all-new

V40 features a class-leading safety and driversupport package, including Volvo CarCorporation's groundbreaking PedestrianDetection with full auto brake and several othernew features.Volvo Car Corporation expects to sell 90,000units per year of the new V40. It is primarily acar for the European markets. A massive 85 percent of the total volume will go to Europeancustomers. The largest individual markets arethe United Kingdom, Germany, Sweden, France,Belgium, Italy, the Netherlands, Spain, Japan,China, Switzerland and Australia. "The all-new V40, a five-door, five-seater siblingto the Volvo C30, is the first new model that isfully developed according to our human-centric,Designed Around You strategy. Fully chargedwith a class-leading set of high-tech features itis ready to give our toughest competitors a realheadache," said Stefan Jacoby, President andCEO Volvo Car Corporation. "Thanks to inputfrom customers all over the world our mostcompact V-range model features an outstandingblend of design, safety and versatility. The car isloaded with features that buyers of modern lux-ury cars want," he added.

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Bentley presents itsSport Utility Vehicle concept

Bentley offered a vision of the future with adramatic new Sport Utility Vehicle concept, EXP9 F, at the Geneva Motor Show. The company’sdesigners and engineers have created a com-pelling new take on the Grand Touring Bentley -a vehicle that feels equally at home at an operagala performance, on the sand dunes and theovertaking lane of the autobahn. Unmistakably aBentley, the EXP 9 F could herald a thirdBentley model-line alongside the bespokeMulsanne and the high performance ContinentalGT, GTC and Flying Spur.Today a global luxury brand with a network of160 dealers from Shanghai to Beverly Hills,

Bentley has an increasingly diverse customerbase spanning every continent. For many cus-tomers, a dramatically styled, Bentley all-wheeldrive SUV which combines a spacious, versatilecabin and commanding driving position, withBentley’s hallmark power, performance,advanced technology and hand crafted luxury,would be a natural choice both on and off-road.“We are very excited by the potential of a highperformance, ultra-luxury Bentley SUV. Weknow that many Bentley customers already ownSUVs, admiring their style, luxury, performanceand versatility. With EXP 9 F, Bentley is makinga clear statement of intent that we have boththe expertise and desire to meet and exceedtheir expectations,” Wolfgang Dürheimer,Chairman and Chief Executive, Bentley Motors.

Although the EXP 9 F concept is basedaround the Bentley 6.0 litre, twin-tur-bocharged W12 engine with an 8-speedtransmission, the company specified thatboth its recently-launched 4.0 litre, twin-turbocharged V8 or a hybrid drivetraincould meet the performance require-ments of a pinnacle luxury SUV.Whilst EXP 9 F is primarily intended toinvestigate new design territory – and alldrivetrain options remain under consider-ation – any Bentley SUV would offer thethunderous performance the marque isrenowned for.  The W12 6.0 litre power-train, for example, could develop 600bhpand 800 Nm of torque with key perform-ance indicators like the top speed and 0-60mph sprint time all setting new bench-marks for the SUV sector. 

Toyota unveils its new small hybrid concept

Toyota Motor Corporation unveiled the "FT-Bh",a lightweight, next generation small gasoline-elec-tric hybrid concept car. The company, expectinghybrid vehicle use to become widespread in thesecond half of the 2010s, developed the FT-Bh asa B-segment, ultra fuel-efficient concept car underthe theme of "ecomotion" (eco + emotion).  Inaddition to high environmental performance, theFT-Bh aims to provide an enjoyable driving experi-ence through highly responsive and nimble oper-ability.

By pursuing weight reduction, a more-efficientpowertrain and reduced air resistance, the FT-Bh

boasts a fuel efficiency of 2.1 liters per100 kilometers under the New EuropeanDriving Cycle (NEDC), with CO2 emis-sions of just 49 g/km—less than half thecurrent average for B-segment cars.Adopting a small fuel tank placed underthe rear seat together with the hybrid sys-tem's lithium-ion battery gives the vehiclea low center of gravity, thus contributingto improved driving performance, which isthe basic appeal of any car.

In addition to the FT-Bh on display,TMC has conceived two alternative ver-sions: a compressed natural gas (CNG)hybrid version with CO2 emissions of 38g/km and a plug-in hybrid version with

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The new Audi A3 – Innovation with style

The third generation of Audi’s A3 model is ahigh-tech car full of innovations in all areas.Versions with hybrid and alternative drive sys-tems such as natural gas and Audi e-gas arecurrently in development. A version with a veryefficient 1.6 TDI engine will launch on the mar-ket in 2012. It consumes just 3.8 liters ofdiesel/100 km, which is equivalent to 99g/CO2.

Audi’s ultra lightweight technology hashelped to trim weight in the body of the three-door car. Compared to the previous model, thenew A3 is now 80 kg lighter. The chassis istuned for a sporty and agile driving style, theengines are powerful yet highly efficient, whilethe interior offers an ambience of dynamicstyle. In driver assistance systems and infotain-ment, the new A3 offers a portfolio of technolo-gies that redefines standards in the segment.The car’s styling visualizes the sporty characterof the new A3. It gives the 4.24 meter longthree-door model a powerful stance on theroad. Sharp edges provide the outlines fordynamically curved sheet-metal surfaces. The

overall vehicle length was kept identical to theprevious model, while the wheelbase grew to2.60 meters, and the angle of the C-pillars wasmade low like that on a coupe. Audi’s consistent application of its ultra light-weight construction principle has produced anew A3 1.4 TFSI that weighs just 1,175 kg –making it significantly lighter than cars of thecompetition.

The completely redesigned interior of the A3appeals with the horizontal lines of an instru-ment panel that appears to float, trendsettingquality of materials and workmanship as well asclear ergonomics. The four round air vents, ele-gant control panel of the standard air condition-ing system and the instrument cluster are allhighlights here.

The 1.8 TFSI engine operates together with astandard seven-speed S tronic. The 1.4 TFSIand 2.0 TDI are paired with a six-speed manualgearbox. In each case, engine power is alwaystransferred to the front wheels. Quattro perma-nent all-wheel drive – and other engines, includ-ing a 1.4 TFSI engine with innovative cylinder ondemand technology from Audi – will follow overthe course of the next few months.

CO2 emissions of just 19 g/km.In addition to the FT-Bh world

premiere, the Toyota booth at theGeneva Motor Show featured fourvehicles in their European premiere:the next-generation four-door"Toyota NS4" concept, the "FCV-R"next-generation fuel-cell hybridsedan concept, the "Toyota diji"mobile-information-hub concept,and the rear-wheel-drive compactsports car "GT 86".  Also on displaywere vehicles soon to be launchedin the European market, includingthe "Yaris Hybrid" and "Prius Plug-inHybrid".

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GEORGE VULC|NESCU

Investi]iile str\ine au sc\zut la un nivel la care,practic, speciali[tii consider\ c\ acestea nu maiexist\. Doar câteva zeci de milioane de euro,preponderent în major\ri de capital, fa]\ demiliardele de euro în proiecte noi, cu doar cinci aniîn urm\, pun sub semnul întreb\rii performan]eleviitoare [i posibilitatea României de a respecta, petermen lung, Pactul Fiscal european. PentruSebastian Vl\descu, fost ministru al finan]elor,“condi]ia redeschiderii canalului investi]iilor str\ineeste reforma în fiscalitate [i o nou\ strategie,coerent\, în administrarea resurselor”.

Vl\descu consider\ drept minime câ[tigurileRomâniei din cota unic\ [i pune rezultatele din aniide boom economic pe seama conjuncturii externefavorabile. Pe de alt\ parte, analizând contextulactual [i oferta României, fostul demnitar apreciaz\c\ singurele domenii de interes pentru mariiinvestitori se reg\sesc în sfera resurselor naturale.Agricultura [i z\c\mintele ofer\ ceea ce urm\rescinvestitorii: poten]ial de cre[tere a profiturilor. Înambele cazuri îns\ sunt probleme la nivelul coeren]eideciziei politice.

Agricultura trebuie modernizat\, iar acest lucrunu se poate face decât prin comasarea culturilorf\râmi]ate. Exploatarea resurselor minerale are nevoiede o strategie clar\ [i uniform\. Nu se poate ca unorinvestitori s\ li se ofere 100% dintr-o afacere, altoramai pu]in, iar altora deloc. Totul f\r\ nicio explica]ielogic\. Exemplul la care se raporteaz\ SebastianVl\descu este proiectul Ro[ia Montan\, o investi]ie

de dou\ miliarde de dolari, care ar readuce Româniape primul loc în rândul produc\torilor de aur între]\rile Uniunii Europene. “Proiectul minier de la Ro[iaMontan\ a devenit un fel de benchmark pentru oricealt\ in]iativ\ privat\ asem\n\toare. Dac\ proiectulminier, pentru care o companie a cheltuit, deja, osum\ mare de bani, nu va mai prinde contur f\r\vreo explica]ie logic\, se va pune întrebarea dac\ nucumva orice alt proiect particular sau ini]iat de statva avea acela[i final”.

Vl\descu î[i aminte[te c\ România a avut“investment grade” (recomandarea de investi]ii aagen]iilor de rating) în 2006, pe care l-a pierdut în2009. Reîntoarcerea la “investment grade” în 2011s-a f\cut cu sacrificii pentru popula]ie [i economie înansamblu. Dar “este ca [i cum am fi reprimit cheiade la u[\. Mai trebuie s\ [i deschidem u[a. În trecut,investorii str\ini tr\geau de u[\ [i ne rugau s\ îil\s\m s\ intre. Acum ar trebui s\ le deschidem u[a,s\ punem covora[ cu «Welcome», s\ orn\m intrareacu floricele [i s\ îi rug\m s\ intre. Altfel investitoriitrec prin fa]a u[ii închise [i, de[i v\d anun]ul«Deschis», nu intr\ pentru c\ nu suntemconving\tori. E mare lucru c\ le putem deschide u[a,dar nu mai este suficient”, conchide fostul ministrude finan]e.

Sebastian Vl\descu a fost ministru de finan]e în anii2005-2006 [i 2009-2010, ultima oar\ în GuvernulBoc. Sub impunerile acordului cu FMI în anii de criz\profund\, în mandatul s\u, s-au adopat m\suri f\r\precedent. A fost redus\ schema de salaria]i dinsectorul public, au fost t\iate salariile bugetarilor cu25%, s-a majorat TVA de la 19% la 24%.

SEBASTIAN VL|DESCU:ROMÂNIA ARE NEVOIE DE O REFORM|

ÎN FISCALITATE {I EXPLOATAREARESURSELOR

SEBASTIAN

VL|DESCU

I n v e s t m e n t

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MKB Nextebank a anun]at c\ partenerii s\i potrealiza opera]iuni [i afla informa]ii financiare directpe dispozitivele mobile smartphone folosind apli-ca]ia NexteMobile. Aplica]ia este disponibil\ pen-tru dispozitivele Apple, BlackBerry [i terminalelecare utilizeaz\ sistemul de operare Android.

Potrivit b\ncii, noua aplica]ie NexteMobile pen-tru smartphone le ofer\clien]ilor posibilitatea realiz\riide transferuri în lei c\tre diver[ibeneficiari, schimburi valutare,plata facturilor de utilit\]i, con-stituiri [i lichid\ri de depozite,generare de extrase de cont [ivizualizare de rapoarte de tran-zac]ii. De asemenea, utilizatoriipot localiza cele mai apropiatesucursale [i bancomate aleb\ncii, pot afla cursuri deschimb [i nout\]i despre pro-dusele oferite de MKBNextebank.

“Prin aplica]ia NexteMobilepentru smartphone, dezvoltat\pentru principalele sisteme deoperare, aducem clien]ilorno[tri un nou serviciu modern,sigur, rapid [i eficient, adaptatnevoilor lor actuale. Aplica]iase al\tur\ solu]iei de mobile

banking deja existente, aplica]iei de internet bank-ing NexteOnline, serviciului NexteCall [i sistemuluide notific\ri InfoAlert, completând gama de serviciibancare la distan]\, solu]ia pentru tot ce au nevoieclien]ii activi, independen]i, moderni”, a declaratAnca Mitric\, director executiv BusinessManagement al MKB Nextebank.

Primul magazin C&A din Br\ila va fi inaugurat,la `nceputul lunii aprilie, în cadrul centrului comer-cial Promenada Mall. Acesta este cel de-al 19-leamagazin pe care retailerul interna]ional de mod\ îldeschide în re]eaua sa din România.

Noul magazin este pozi]ionat la intrarea în mall[i beneficiaz\ de o suprafa]\ de 1.250 mp.“Deschiderea magazinului C&A se înscrie înstrategia noastr\ de business, care pune accent pedezvoltarea zonei de mod\ prin aducerea de noibranduri interna]ionale, pozi]ionate deja înpreferin]ele [i a[tept\rile consumatorilor dinaceast\ regiune”, a declarat Drago[ Chiri]\,Marketing Manager Promenada Mall Br\ila.

Promenada Mall a intrat în portofoliul fondului

de investi]ii sud-african New Europe PropertyInvestments (NEPI) în 2009. În urma unei investi]iiîn valoare de 7,2 milioane de euro, centrul comer-cial a devenit unul dintre cele mai mari proiecteregionale de retail la nivel na]ional. PromenadaMall Br\ila reprezint\ componenta principal\ aparcului comercial European Retail Park Br\ilaal\turi de al]i trei mari operatori: Altex, Carrefour[i Bricostore. European Retail Park este cel maimare proiect regional de retail din sud-estulRomâniei, cu o zon\ total\ de acoperire de pesteun milion de persoane. Centrul comercial esteamplasat pe o suprafa]\ total\ de aproximativ126.000 mp [i are o suprafa]\ construit\ de70.000 mp.

MKB NEXTEBANK LANSEAZ|NEXTEMOBILE PENTRU SMARTPHONE

C&A AJUNGE LA PROMENADA MALL

ANCA MITRIC|

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TEHNOLOGIE {I KNOW-HOWGERMAN PE PIA}A

ROM+NEASC| DE AP|Sus]inut\ de un concern cu un capital de 400 de milioane de euro [i avândproiecte de 26 de milioane de euro `n derulare pe pia]a româneasc\, Stulz

Planaqua a reu[it s\ se impun\ ca un juc\tor redutabil `n domeniulpotabiliz\rii [i trat\rii apelor uzate. Iar succesul companiei pe aceast\ pia]\

este asigurat prin abordarea fiec\rui proiect cu maxim\ seriozitate [icompeten]\, dup\ cum a declarat Gigel Enache, general manager al Stulz

Planaqua România, `ntr-un interviu acordat “Business Arena”.

CLAUDIA ARITON

Compania activeaz\ `n domeniul proiect\rii [iexecu]iei lucr\rilor din domeniul trat\rii apei, maiprecis `n epurarea [i potabilizarea apei, crearea dere]ele de ap\ potabil\, sta]ii de pompare [icanalizare. “Noi func]ion\m pe sistemul integrat,proiectare `n G ermania cât [i `n Rom`nia, execu]ie`n România iar de aici corel\m toate segmentele”,a indicat Enache.

Compania desf\[oar\ `nprezent lucr\ri deanvergur\ cu fondurieuropene pentru proiectare[i execu]ie `n domeniulpotabiliz\rii apei `n maimulte zone din ]ar\. Dou\dintre cele mai importanteproiecte aflate `n lucru suntsta]iile de tratare dinora[ele Turnu M\gurele [iAlexandria, din jude]ulTeleorman, cu o valoare de aproximativ opt [i,respectiv, [apte milioane de euro. “Discut\m detrat\ri complexe `n captare, reabilit\ri de pu]urisau pu]uri nou forate”, a precizat Enache,ad\ugând c\ “unul dintre proiecte presupunepreluarea de ap\ din Dun\re, pe ponton, ceea cea implicat un proces tehnic riguros. Acestea suntlucr\ri pe fidic galben, pentru proiectarea [iexecu]ia c\rora ne asum\m `ntreaga r\spundere”.

Stulz Planaqua are, totodat\, `n derulareproiectul sta]iei de tratare a apei Slatina, `nparteneriat cu Hidroserv [i UTI, iar la `nceputulacestui an a finalizat sta]iile de epurare Bude[ti [i

Olteni]a, care a mobilizat o investi]ie de treimilioane de euro. Compania execut\, deasemenea, un proiect de dezvoltare regional\pentru 20 de kilometri de canalizare [i sta]ie deepurare `n comuna Greci, din jude]ul Tulcea. “Esteun proiect MBBR, cu bigudiuri, cum `i spunemnoi, o lucrare high-tech, primul ca m\rime din ]ar\pe acest sistem. Autoritatea local\ a primit dou\milioane de euro din fonduri europene pentruacest proiect”, a specificat general managerul,

care a activat timp de17 ani `n Germania, `ndomeniul construc]iilor[i consultan]ei.

La `nceputul acestuian, compania acâ[tigat licita]ia pentrualte dou\ proiecte, acâte trei milioane deeuro, [i anume sta]iade epurare Fierbin]i [ista]ia de epurare

Kog\lniceanu, din jude]ul Constan]a. Proiectelesunt executate `n parteneriat cu constructori locali[i vor fi finalizate `n aproximativ doi ani. Alegereasubcontractorilor joac\, `n schimb, un rol esen]ial`n dezvoltarea oric\rui proiect: “Trebuie s\ lucrezicu o firm\ serioas\, care are puterea financiar\ dea rezista `ntre dou\ certificate de plat\. Uncertificat de plat\ de minimum 250.000 de euro ]ise aprob\ conform legii [i po]i s\ a[tep]i pân\ la90 de zile, ca s\-]i prime[ti banii. Noi avem accesla lichidit\]i de trei milioane de euro [i posibilitateade a depune scrisori de garan]ie de patru milioanede euro, puse la dispozi]ie de firma-mam\. Dac\

Noi func]ion\m pesistemul integrat,proiectare `n Germaniacât [i `n Rom`nia, execu]ie

`n România iar de aici corel\m toatesegmentele.“ ”

Trebuie s\lucrezi cu o

firm\ serioas\,care are puterea

financiar\ de arezista `ntre

dou\ certificatede plat\.

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Gigel Enache, general manager al

Stulz Planaqua România

“

avem o sincop\ financiar\ din partea autorit\]iicontractante, putem continua pe banii proprii”, aeviden]iat Enache, care conduce o echip\ format\din 22 de angaja]i.

Lieferan]ii companiei pentru echipamente provindin Germania, dar [i din România, Italia sau Cipru.Calitatea produsului [i procesul tehnologic au un

cuvânt greu de spus. “Nu conteaz\ origineaechipamentului, caracteristicile tehnice trebuie s\corespund\. Calitatea inoxului [i mai ales procesultehnologic `n care lucreaz\ sunt cele care conteaz\cu adev\rat. Iar noi trebuie s\ respect\m normaNTPA de calitate a apei.”

Compania trebuie s\ ]in\ piept [i unei

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n concuren]e puternice pe pia]\, care provine cupreponderen]\ din sectorul construc]iilor. StulzPlanaqua are `ns\ avantajul experien]ei [i pe cel altehnologiei germane: “Noi suntem o firm\ de sinest\t\toare. ~n spatele nostru este un concern de400 de milioane de euro anual [i peste de 200 deingineri - Stulz Hager + Elsaesser Group. Oriceap\ brut\, orice ap\ uzat\, scurgerile de apele[ioase de la gropile de gunoi, avem know-how-uls\ o trat\m pentru a o reda naturii”, a subliniatEnache. Compania are experien]\ atât `n domeniulcogener\rii de biogaz pentru sta]iile de epurare,cât [i din agricultur\ (porumb siloz [i dejec]iianimale), executând dou\ proiecte de acest gen de2,1 [i 2,4 megawa]i `n Germania.

Stulz Planaqua a avut un rulaj de patru milioanede euro `n România anul trecut, iar pentru anul `ncurs conducerea companiei anticipeaz\ c\ vadep\[i cifra de opt milioane de euro. “~n ceea ceprive[te obiectivul de achizi]ii, de licita]ii câ[tigate,consider\m c\ cel pu]in 15 milioane de euro vormai veni anul acesta. Avem deja licitate pentrumoment sta]iile de epurare Pucioasa [i Fieni [i deasemenea sta]ia de epurare Bac\u“, a specificatEnache.

Proiectele sunt alese `n func]ie de caracteristiciletehnice [i fiabilitate. “Trebuie alese cu sim] der\spundere, pentru c\ `]i asumi mari respon -sabilit\]i `n ceea ce prive[te normele de deversarea apei [i costurile de operare. Noi lucr\m numaipe comunal [i or\[enesc, de la 1.000 de persoane`n sus. ~n zona noastr\ se pune problema decapacitate tehnico-economic\, iar o firm\ trebuies\ fie apt\ din acest punct de vedere pentru aactiva `n acest domeniu. F\r\ bonitate sau taxe lazi, deci transparen]\, nu ai cum s\ func]ionezi pepia]\”, a subliniat general managerul.

Acesta sus]ine c\ firma nu a fost deloc afectat\

de criza economic\, deoarece infrastructura demediu `n general [i cre[terea nivelului de trai suntocolite de aceste caracteristici care influen]eaz\ opia]\. “~n România se pune problema de necesitate[i o putere de execu]ie cât mai mare [i cât maieficient\. Pentru noi, criza este chiar ooportunitate prin natura pre]urilor mai omene[ti laanumite echipamente, deoarece adaosurilecomerciale nu mai sunt atât de mari ca `n perioadade boom imobiliar”, a subliniat Enache, ad\ugândc\ problemele `n domeniul s\u de activitate suntcreate doar de sistemul birocratic rigid [i de oderulare `nceat\ din partea autorit\]ilor pentruproiectele de execu]ie, pe fondul uneisupraverific\ri a documenta]iilor.

Scopul companiei este acela de a fi recunoscut\pe pia]\ ca “un bun meseria[, o firm\ româno-german\, cu capacitate de lucru nem]easc\, cudinamism românesc, pe aceast\ temelie vom cl\dimai departe, vom proiecta [i vom executa c`t maimulte proiecte de ap\ si ridica cifra noastr\ deafaceri,“ a concluzionat directorul Stulz Planaqua.

FAVORITE:Ora[: Frankfurt, deoarece este

cosmopolit, deschis [i deschiz\tor dedrumuri pentru viitorul oricui

}ar\: Germania, dar [i România,pentru accesul la cultur\ autentic\ [i decalitate

Mâncare: Pe[teleRestaurant: DieselFilm: Cele de ac]iuneScriitor: Marin Preda [i poetul Mihai

Eminescu Ultima carte citit\: “Ultimul Templier”

– Raymond KhouryHobby: Dansul (standard [i latin)Personalitate admirat\: Prof. dr.

Alexandru Vlad CiureaMuzic\: Divers\, `n general “Oldies”Artist: Florin PiersicSport: Fotbal, tenisZodie: Fecioar\Ultima vacan]\: Egipt, `n toamna

anului trecut, pentru scufund\ri `nHurghada

Lucrul material cel mai de pre]: Untablou impresionant `n ulei realizat deun pictor german

Data [i locul na[terii: 6.09.1968,Bolintin Vale

~n ceea ce prive[te obiectivul deachizi]ii, de licita]ii câ[tigate,consider\m c\ cel pu]in 15milioane de euro vor mai veni anul

acesta. Avem deja licitate pentru momentsta]iile de epurare Pucioasa [i Fieni [i deasemenea sta]ia de epurare Bac\u.“ ”

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Activând pe pia]a de training [i consultan]\ `ndomeniul dezvolt\rii [i form\rii profesionale,Ascendis ]inte[te, `n acest an, o cre[tere cuaproximativ 10% a cifrei de afaceri, comparativ cuanul 2011, pe fondul diversific\rii portofoliului deproduse [i al intensific\rii cererii pentru trainingurilede vânz\ri. Afacerile derulate anul trecut de grupulde firme Ascendis, din care fac parte AscendisConsulting, Ascendis Experiential, WKH DezvoltareOrganiza]ional\, Imaginario [i Ascendis ProcessManagement, au generat venituri totale `n valoare de18 milioane de lei, `n urcare cu 31% fa]\ derezultatul raportat `n 2010. Astfel, anul trecut adevenit cel mai bun an din istoria companiei pân\ `nacest moment. “Trainingurile destinate echipelor devânz\ri, consultan]a `n managementul proceselor [icursurile deschise `n ]ar\ au fost cele mai dinamicezone de activitate `n 2011. Cererea a venit mai alesdin partea sectoarelor financiar-bancar, telecom,energie [i industrie”, a declarat Andrei Go[u,director general Ascendis.

Potrivit companei, trainingul, linia central\ debusiness a Ascendis, a contribuit anul trecut cuaproximativ trei sferturi la cifra de afaceri, restul fiind

venituri realizate din consultan]\. Activitatea celor 40de consultan]i Ascendis a `nsumat, `n 2011, 2.350de zile de training [i consultan]\ pentru peste 100de clien]i.

Unul dintre subiectele solicitate mai mult decât `nal]i ani a fost trainingul pentru echipele de vânz\ri.“2012 este un an bun. Avem deja `n imple mentarecâteva proiecte mari. Al\turi de programele dejaconsacrate pe teme de leadership, management,comunicare, vom avea [i câteva nout\]i. ~n acestsens, am adus `n România Sales Endeavour, unprogram destinat account managerilor, licen]iat deCelemi, lider mondial `n Experiential Learning. O alt\noutate este reprezentat\ de suita de traininguri 3DMedical Care, care `[i propune `mbun\t\]irea actuluimedical prin dezvoltarea abilit\]ii medicilor de arela]iona cu pacien]ii”, a explicat Andrei Go[u.

Activitatea regional\ a fost un alt segment care aie[it `n eviden]\ `n 2011 `ntre direc]iile de businessAscendis. Astfel, anul trecut, 20% din cifra de afaceria fost rezultatul programelor derulate `n Cluj [iTimi[oara. “Urmeaz\ dezvoltarea unor noi centre deinteres, Craiova [i Ia[i, unde avem deja reprezentarelocal\”, a mai precizat Andrei Go[u.

Comercian]ii on-line au la dispozi]ie un nouinstrument care s\-i ajute s\ diminueze riscul defraud\ pentru tranzac]iile on-line, odat\ cuintroducerea de c\tre MasterCard a sistemului descoring pentru monitorizarea fraudelor la comercian]i(Expert Monitoring Fraud Scoring for Merchants).

Potrivit MasterCard, noul instrument le ofer\comercian]ilor informa]ii asupra comportamentuluide utilizare a cardului, dincolo de site-ul comerci -antului respectiv sau de co[ul de cump\r\turi alposesorului. Serviciul calculeaz\ pentru comercian]i,în timp real, un scor predictiv privind riscul de fraud\a tranzac]iilor la distan]\, estimând probabilitatea cao tranzac]ie s\ fie frauduloas\. Acest lucru serealizeaz\ cu ajutorul unor modele de detectare afraudelor create special pentru comercian]ii on-line.Astfel, ace[tia pot s\ urm\reasc\ un timp mai înde -lungat istoricul de tranzac]ionare, care furnizeaz\ cumai mult\ acurate]e un scor privind fraudele, [i des -crie comportamentul on-line al unui posesor de card.

Potrivit studiului Lexis-Nexis® 2011 “Adev\ratul

cost al fraudei”, comercian]ii au pierdut peste 2,33dolari pentru fiecare fraud\ în valoare de un dolarcomis\, totalizând peste 102 miliarde de dolari dinpierderile pe 2011.

Noul instrument de la MasterCard este [i înbeneficiul consumatorilor pentru c\ îi ajut\ s\ seprotejeze împotriva tranzac]iilor frauduloase pecardurile lor, reducând în acela[i timp posibilitatea catranzac]iile legitime s\ fie refuzate.

“Falsificatorii de carduri apeleaz\ la metode din ceîn ce mai sofisticate, a[adar, comercian]ii de peinternet trebuie s\ fie mai vigilen]i cu protejareaintegrit\]ii activit\]ii de shopping on-line pentruposesorii de carduri”, a declarat Johan Gerber,Group Head, Global Network Products, în cadrulMasterCard Worldwide. “Noul instrument permiteinstitu]iilor financiare acceptatoare [i comercian]ilors\ evalueze poten]ialul de fraud\ în timp real [i s\integreze datele în solu]ia existent\ de detectare afraudei. În acest fel, cre[te acurate]ea în detectareafraudei [i se reduce impactul acesteia”.

ASCENDIS VIZEAZ| CRE{TEREACIFREI DE AFACERI

MASTERCARD PROPUNE UN NOUINSTRUMENT ~MPOTRIVA FRAUDEI

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Olympus Romania a anun]at ob]inerea unui`mprumut de 30 de milioane de euro de la BlackSea Trade and Development Bank (BSTDB) pentrusus]inerea strategiei sale de dezvoltare.

~n noiembrie 2011, Olympus [i-a inauguratfabrica de lactate din România, `n urma uneiinvesti]ii ini]iale de 55 de milioane de euro dinfonduri proprii. Potrivit compa niei, `mprumutul,acordat pe o perioad\ de [apte ani, `i va permites\ creasc\ substan]ial eficien]a [i competitivitateaprin cre[terea capacit\]ii de export pe pie]eleinterna]ionale [i respectarea standardelor ridicatede mediu [i de calitate pentru produsele sale.

Olympus, prezent pe pia]a local\ din 1999, ̀[ipropune s\ ofere produse lactate naturale de cea mai`nalt\ calitate [i s\ transforme România `ntr-o poart\de export c\tre pie]ele dezvoltate din Europa deVest. ~n prezent, 80% din produc]ia local\ estedestinat\ pie]elor interna]ionale.

"Fabrica din Bra[ov este una dintre cele maidezvoltate fabrici de produse lactate din Europa –este obligatoriu ca noi s\ cre[tem standardele [i s\ne men]inem pozi]ionarea pe pia]\ ca fiindproduc\torul celor mai bune lactate. Scopul nostrueste s\ avem aceea[i pozi]ionare [i pe alte pie]eeuropene. Trebuie s\ punem din plin `n valoaremateria prim\ româneasc\ [i s\ demonstr\m c\ esteuna dintre cele mai bune pentru produsele lactate", adeclarat pre[edintele Olympus, Dimitrios Sarantis.

Anul trecut, compania a `nregistrat o cifr\ deafaceri de 22,6 milioane de euro.

“Aceast\ opera]iune are un impact importantasupra dezvolt\rii companiei, sprijinindmodernizarea [i consolidarea capacit\]ilor deexport. În acela[i timp, promoveaz\ comer]ul [iinvesti]iile regionale. Acest lucru reflect\ mandatuldual al BSTDB, de institu]ie de dezvoltareregional\, cu misiunea de a sprijini dezvoltareaeconomic\ [i cooperarea regional\ `ntre ]\rilenoastre membre", a declarat, la rândul s\u, MustafaBoran, Vice President Banking, BSTDB, lasemnarea acordului de `mprumut.

Cu o capacitate total\ de colectare a laptelui de40.000 de litri pe or\, noua fabric\ din Bra[ovproduce deja iaurt, lapte proasp\t [i UHT, brânz\,precum [i smântân\, toate sub brandul Oly.Produsele de cea mai `nalt\ calitate sunt dejadistribuite `n lan]urile de hiper [i supermarketuri dinRomânia [i din Europa.

~n primul semestru al anului 2012, noi produsevor completa gama de iaurt Oly. Unele dintre celemai apreciate produse de consumatorii români suntiaurtul grecesc, laptele Oly, precum [i telemeaua.

~ntins\ pe o suprafa]\ de 25.000 mp, fabrica dela H\lchiu beneficiaz\ de echipamente de ultim\genera]ie pentru recep]ia [i procesarea laptelui lanivel european, precum [i pentru ambalareaproduselor finite.

OLYMPUS CONTINU| INVESTI}IILE

Nivelul mediu al pre]urilor m\rcilor premium Audi,BMW [i Mercedes a înregistrat o diminuare pe pia]aauto second-hand din România la începutul acestuian, potrivit datelor furnizate de AutoIndex.

Media pre]urilor cerute pentru un Audi second-hand a înregistrat, la începutul acestui an, odiminuare de 13% într-un timp foarte scurt, pornindde la o valoare de 9.613 de euro în luna ianuarie [iajungând în luna februarie la 8.399 euro, conformAutoIndex.

Pre]ul mediu al autovehiculelor BMW a sc\zut cu[apte procente, de la 8.290 euro, în luna ianuarie, la7.555 euro, în luna februarie. În cazul m\rciiMercedes, nivelul mediu al pre]urilor a înregistrat odiminuare de 9%.

BMW este liderul tranzac]iilor în segmentulm\rcilor premium pe pia]a auto second-hand în

mediul on-line românesc, cu un num\r de peste3.600 de autovehicule scoase la vânzare pe Auto.roîn ultima lun\.

Per total, nivelul mediu al pre]urilorautovehiculelor second-hand din România aînregistrat în luna februarie o diminuare de 5% fa]\ devaloarea înregistrat\ în ianuarie anul acesta, ajungândla aproximativ 4.700 de euro, conform AutoIndex.

“Diminuarea pre]urilor este cauzat\ atât detergivers\rile legate de noua tax\ auto, cât [i deamânarea cu un an a punerii în aplicare pentruautovehiculele înmatriculate înainte de 2007. A[acum estimam [i la începutul anului, proprietarii auînceput s\-[i scoat\ la vânzare autovehiculele într-unnum\r ridicat, justificându-se astfel influen]a asuprareducerii pre]urilor acestor m\rci”, a declarat BogdanAxinia, General Manager Auto.ro.

M|RCILE PREMIUM ~NREGISTREAZ|SC|DERI DE PRE} PE PIA}A

AUTO SECOND-HAND

ANCA BIDIAN, CEO, KIWI FINANCE

~ncepând cu luna martie, b\ncile comerciale [i-aulansat noile produse de creditare pentru persoanefizice, urmare a noului regulament al b\ncii centrale.

Cum schimb\ acest lucru cererea solvabil\ [iaccesul la credite ale clien]ilor? Pe segmentulcreditelor de nevoi personale negarantate, perioadamaxim\ de accesare a unui credit este de cinci ani,comparativ cu maximumul pie]ei de 10 ani `nainte deimplementare. Aceasta `nseamn\ c\ segmentul de

clien]i cu venituri mici,practic, nu mai areacces la credit din cauzaunui grad de `ndatorarefoarte mic fa]\ deveniturile disponibile(venit `ncasat f\r\cheltuieli desubzisten]\). Clien]ii cuvenituri medii vor accesao sum\ mai mic\, `ntimp ce clien]ii cuvenituri peste medie potaccesa aceea[i sum\`ns\ cu rata mai maredin cauza perioadeireduse. ~n acela[i timp,suma final\ rambursat\la sfâr[itul perioadei decreditare va fi mai mic\decât `nainte, din acela[imotiv.

Creditele de acest tip`n alte valute decâtmoneda na]ional\ sunt,

practic, restric]ionate din cauza unor condi]iisuplimentare de calcul [i garan]ii. Având `n vedere`ns\ c\, pe parcursul anului trecut, mai mult de 90%din aceste credite au fost solicitate [i acordare `n lei,aceste restric]ii vor avea un impact marginal `ndinamica credit\rii persoanelor fizice.

Exemplu de calcul pentru rata [i sumatotal\ de rambursat pentru un credit de

nevoi personale negarantat de 43.000 RON:Rata (RON) Suma (RON)

regulament vechi 764 87.757regulament nou 1,029 59.477

~n ceea ce prive[te creditele de achizi]ie, sumele[i condi]iile de creditare sunt acelea[i. Singura

modificare o constituie avansul care acum trebuie s\fie de minimum 25%, `n timp ce `nainte deimplementarea noului regulament erau b\nci caresolicitau un avans de minimum 15% pentru clien]iidin categorii de risc sc\zut. Referitor la monedacreditului, `n continuare pentru creditele de achizi]ieavem diferen]e foarte mari de dobânzi `ntre ofertelela lei [i cele la euro, motiv pentru care monedaeuropean\ este `n continuare preferat\ de clien]iicare solicit\ aceste credite.

Impactul major este `ns\ pentru creditele de nevoipersonale garantate cu ipotec\, pentru care perioadamaxim\ a creditului s-a redus de la 30 la cinci ani. Exemplu de calcul pentru o familie cu venitde 4.500 ron, f\r\ copii [i f\r\ alte datorii:

Suma (EUR) Rata (EUR)regulament vechi 80.000 564regulament nou 18.000 357

~n situa]ia `n care clien]ii `[i refinan]eaz\ soldurilecurente printr-un credit de nevoi personale garantatcu ipotec\, perioada creditului poate fi de 20-30ani, `n func]ie de banc\, `ns\ f\r\ posibilitateaacces\rii unei sume suplimentare de bani. Avem `nplus atât factori de ponderare a venitului, cât [icondi]ii mai prudente de risc, ceea ce conduce lasume accesibile mai mici pentru acela[i venit [iaceea[i perioad\ a creditului.Exemplu de calcul pentru o familie cu venitde 4.500 ron, f\r\ copii [i f\r\ alte datorii,

credit pe 30 ani:Suma (EUR) Rata (EUR)

regulament vechi 80.000 564regulament nou 55.000 361

Condi]iile de accesare pentru celelalte produse decreditare – programul Prima Cas\, carduri de credit,overdraft, leasing - au r\mas nemodificate.

~n concluzie, `ncepând cu aceast\ lun\, clien]iicare vor s\-[i achizi]ioneze o locuin]\ vor beneficiade acelea[i condi]ii de calificare ca [i pân\ acum [itrebuie men]ionat c\ avem acum oferte `n pia]\ `ntr-o plaj\ de dobânzi la minimumul ultimilor [apteani. Consolidarea creditelor (carduri de credit,overdraft, credite de nevoi personale, leasing etc.)`ntr-un singur credit de nevoi personale garantat cuipotec\ va fi `n continuare o solu]ie foarte bun\pentru reducerea ratelor lunare, `n timp ce accesareacreditelor de nevoi personale negarantate va fiaccesibil\ preponderent clien]ilor cu venituri medii [ipeste medii.

CUM SCHIMB| REGULAMENTUL BNR ACCESUL LA CREDITE PENTRU POPULA}IE?

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ANCA BIDIAN

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33B u s i n e s s n e w s

Maguay, companie ce activeaz\ pe pia]a dinRomânia ca furnizor de solu]ii complete `n segmentulIT, a fost premiat\ de c\tre Intel Corporation pentrucontribu]ia `n educarea clien]ilor din România, `n ceprive[te utilizarea tehnologiilor de server Intel.Premiul a fost oferit `n cadrul CeBIT Hanovra 2012.

“Parteneriatul `ntre Maguay [i Intel a demarat `n1998, `n acela[i an `n care Intel a deschis canaluloficial de distribu]ie `n România, [i este cel maiimportant parteneriat al companiei noastre. Astfel,volumul de afaceri a crescut de la an la an, nivelul decompeten]\ de asemenea, Maguay devenind unbrand cu reputa]ie solid\ nu doar `n România, ci [i `nEuropa Central\ [i de Est. În prezent, Maguay de]inestatutul de Technology Provider Platinum Partner [iIntel Server Local Leader. Acest premiu reprezint\ oconfirmare a pozi]iei de lider al produc\torilorregionali de servere marc\ proprie, bazate petehnologie Intel [i preocuparea noastr\ permenent\ `neducarea pie]ei române[ti. Serverele Maguay sunt dince `n ce mai cunoscute [i mai dorite datorit\raportului excelent pre]/performan]\, al «down-time»-ului foarte mic, precum [i datorit\ serviciilorcomplementare oferite clien]ilor no[tri”, a declaratCorvin Pughin, director comercial Maguay. “Trebuiemen]ionat c\ avem clien]i care au avut pân\ anultrecut `n func]iune servere Maguay furnizate `nc\ din

1998”, a ad\ugat Corvin Pughin. “Ne bucur\m s\avem un partener precum Maguay pe pia]aromâneasc\ de IT, un partener pe care ne putembaza [i care lucreaz\ `mpreun\ cu noi la educareaconsumatorului. Maguay a demonstrat c\ po]i creaun brand românesc de succes folosind ultimeletehnologii produse de Intel pentru servere, sistemeportabile [i desktop f\r\ a face rabat la calitateaproduselor proprii”, a declarat, la rândul s\u, BogdanGeorgescu, Channel Account Manager IntelCorporation.

La CeBIT, Maguay a prezentat, `n premier\, primulmodel românesc de ultrabook MyWay U1401i, dotatcu procesor Intel Core i3-2357 (se poate configuracu Core i5 sau Core i7, pe platforma Sandy Bridge),memorie RAM 4GB DDR3, hard disk de 250 GB la7200 rpm (se poate configura cu SSD) [i baterie de8.000 mAh. Compania a prezentat, de asemenea, [isolu]iile sale hardware (sisteme portabile [i desktop,storage [i servere) customizabile, create pe modelul“build-to-order”, ce respect\ `n totalitate nevoile [icerin]ele clien]ilor s\i. Edi]ia CeBIT din acest an a`nregistrat peste 300.000 de vizitatori din 110 ]\ri.Maguay [i-a propus extinderea activit\]ii `n afaragrani]elor României, având capabilit\]ile necesarepentru oferirea de solu]ii customizabile atât software,cât [i hardware, `n func]ie de solicit\rile clientului.

MAGUAY, PREMIAT| LA CEBIT

Banca Comercial\ Român\ (BCR) a anun]atoferirea serviciului de direct debit pentru clien]iiGenerali România, al patrulea juc\tor pe pia]a deasigur\ri de via]\ din România, dup\ volumul deprime brute subscrise în 2011, cu comision zero.

Prin semnarea parteneriatului cu BCR, clien]iiGenerali au acum posibilitatea s\ împuterniceasc\banca s\ efectueze plata ratelor pentru asigurarea lorde via]\, salvând timpul utilizat pentru deplas\ri sauefortul depus pentru memorarea datelor scadente.

“În 2012, dorim s\ ne concentr\m [i mai multeforturile în direc]ia oferirii de facilit\]i moderne înscopul cre[terii gradului de satisfac]ie a clientuluinostru. Acesta este [i motivul pentru care amîncheiat parteneriatul cu BCR, banca cu cea maimare re]ea teritorial\ la nivel de România [i cu unînalt grad de recunoa[tere a serviciilor [i a inovati -vit\]ii. Astfel, clientul de asigurare de via]\ poate

sc\pa de grija pl\]ilor la scaden]\ prin activareadebit\rii directe. În toate ]\rile vestice, pl\]ile efectu-ate prin debit direct sunt preferate de clien]i [i sun-tem convin[i c\ gradul de utilizare al acestui tip deservicii va cre[te semnificativ în urm\torii ani [i în]ara noastr\”, a declarat Ovidiu Racoveanu, directorAsigur\ri de Via]\ la Generali România.

“Pentru clien]ii care doresc s\ pl\teasc\ conforta-bil asigurarea de via]\, banca le ofer\ posibilitatea deactivare rapid\ a pl\]ii prin direct debit prin serviciulon-line Click [i Business 24 Banking BCR sau printelefon, folosind seviciul Alo 24 Banking BCR. Deasemenea, activarea se mai poate efectua în unit\]ileBCR sau în agen]iile Generali. Un alt avantaj oferitclien]ilor Generali este acela c\ pentru acest tip detranzac]ie nu se pl\te[te comision”, a declaratValentin Florin G\l\]anu, directorul executiv alDirec]iei Tranzac]ii Bancare din cadrul BCR.

CLIEN}II GENERALI BENEFICIAZ| DE SERVICIUL DE DIRECT DEBIT AL BCR

Rela]iile companiei, cel mai puternic atu~n vremuri tulburi sau glorioase, cele mai valoroaseresurse ale unei companii sunt oamenii care o sus]in:angaja]ii, clien]ii, partenerii. {i, fiindc\ tuturor ne places\ ne sim]im aprecia]i, ne putem ar\ta considera]iam\car `naintea S\rb\torilor, la evenimente speciale saucu prilejul unor realiz\ri importante. Astfel, putem s\ nemotiv\m angaja]ii, s\ ne compliment\m clien]ii, s\ lemul ]umim partenerilor pentru colaborare sau s\ le oferimun suvenir pl\cut invita]ilor la evenimentele companiei. ~noricare din cazuri, ob]inem un avantaj competitiv [i oimpresie pozitiv\ la costuri modice. Iar dac\ oferim co[ulcadou `n afara perioadelor de S\rb\tori, efectul este cuatât mai surprinz\tor [i, deci, mai de efect. S\ nu uit\mc\ ne cost\ mai mult s\ atragem noi clien]i decât s\-imen]inem pe cei actuali...

Experien]a creeaz\ excelen]\Orice lucru bine f\cut se datoreaz\ experien]ei, iardiferen]a dintre banal [i impresionant o poate facenumai un specialist. A[a cum nu deleg\m secretareiproblemele financiare sau legale ale firmei, depanareaIT ori repararea vreunei instala]ii, nici cadourile nu leputem l\sa `n seama oricui. Sigur, putem `ncerca s\preg\tim cadourile in-house, dar cu ce costuri, `n câttimp [i care sunt [ansele s\ ne reu[easc\ la acela[inivel calitativ [i estetic la fel ca unui profesionist `ndomeniu?

Delicatese selecteTuturor ne plac mult cadourile. Dar le apreciem maiales pe cele deosebite, diferite de oferta disponibil\ `nmod curent `n retail. Le ]inem minte pe acelea caresunt prezentate `ntr-o manier\ atât de pl\cut\ `ncâtavem re]ineri s\ “stric\m” ambalajul [i care neamintesc de expeditor `ntr-un mod subtil [i pl\cut. Iat\ de ce ne dorim s\ atragem aten]ia destinataruluiprintr-un cadou original, poate chiar personalizat, [inu prin acelea[i produse primite de la mul]i al]ii sau pecare le vedem pe rafturile tuturor magazinelor.

Ofert\ variat\, daruri de impact. ~ntotdeaunaCând c\ut\m cadouri pentru partenerii de afaceri,implicit ne lovim de o criz\ de inspira]ie. Ce s\ led\ruim ca s\ fie diferit de ce le-am dat anul trecut, s\fie nou, special, original, pl\cut, dar [i accesibil pentruun buget de criz\? Pentru a ie[i din mul]ime [i a nuc\dea `n capcana produselor standard, solu]ia salva-toare este tot la un furnizor de cadouri business, care`[i adaug\ constant `n ofert\ noi sortimente. Astfel,chiar dac\ avem acela[i buget ca `n anii trecu]i, putemoferi mereu cadouri deosebite. Ceea ce ne diferen]ia -z\, `n rela]iile profesionale, sunt tocmai calitatea inte -ra c]iunii [i comunicarea autentic\. Un cadou standard,banal, nu numai c\ nu ne-ar diferen]ia, dar am puteachiar pierde acel avantaj competitiv la care tindem.

Mai expeditiv{tim, nu ave]i timp s\ alerga]i dup\ cadouri, s\ v\gândi]i [i s\ v\ r\zgândi]i, s\ `mpacheta]i, s\ expedia]ietc. Nici nu e nevoie, pentru c\ de toate acestea seocup\ un furnizor de cadouri business, care v\ poate [iconsilia privind cele mai potrivite cadouri `n func]ie deocazie [i de profilul beneficiarului final.

Mai comodCorporateBaskets.ro func]ioneaz\ ca un mall virtual saufizic, toate solicit\rile clien]ilor fiind rezolvate `ntr-un sin-gur loc, `n cât mai pu]ini pa[i posibil, astfel `ncât coman-da s\ poata fi lansat\ rapid [i u[or. Livrarea poate fi, deasemenea, l\sat\ `n sarcina furnizorului. Astfel, cadourilenu mai sunt o corvoad\, ci o bucurie atât pentru compa-nia care le d\ruie[te, cât [i pentru beneficiarii direc]i.Adic\, exact a[a cum ar trebui s\ fie orice cadou.

Mai avantajos Nu `n ultimul rând, costurile totale sunt incomparabil maimici, raportat la beneficiile ob]inute [i la resursele impli-cate. Cu acela[i buget putem oferi cadouri vizibil mai decalitate, mai estetice, livrate mai repede [i cu mai pu]inefort decât dac\ le-am preg\ti in-house.

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Se zice c\ “obrazul sub]ire cu cheltuial\ se ]ine”. Extrapolând la companii, un buget este, `ntr-adev\r, necesar, dar... nu [i suficient pentru a face o impresie pozitiv\ [i a-]i consolida rela]ia cu

partenerii de afaceri. Pentru ca gestul s\ aib\ un efect pozitiv [i memorabil, mai este nevoie de aceaf\râm\ de inspira]ie, imagina]ie [i, mai ales, de bun-gust `n alegerea [i ambalarea cadourilor. Adic\

de experien]a unui specialist `n selec]ia [i ambalarea cadourilor business: CorporateBaskets.ro. De[i domeniul este relativ tân\r `n România, pe plan interna]ional, pia]a cadourilor corporate aredeja o tradi]ie respectabil\ mai ales `n rândul companiilor mari [i medii. Obiectivul? Consolidarea

rela]iilor profesionale cu partenerii [i loializarea clien]ilor [i angaja]ilor `ntr-un mod original, select [i,totodat\, accesibil din punct de vedere logistic [i economic. Cerem prea mult? Ba, deloc! Iat\ de cecadourile business pot reprezenta modalitatea perfect\ de a ie[i din mul]ime chiar [i (sau mai ales)

`n perioade dificile economic:

CUM NE (MAI) IMPRESION|M P

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Cu opt ani de experien]\ `n domeniul cadourilorbusiness, CorporateBaskets.ro deserve[te `n modconstant industrii precum telecom, advertising, ]iga-rete, farma, arhitectur\, energii regenerabile, finan-ciar-bancare, food&beverage, automotive [i altele.Obiectivul companiei: de a-[i impresiona mereuclien]ii prin produse de calitate, ambalaje deosebite,elemente personalizante originale. De a intui [i`mplini dorin]e, de a se adapta `ntotdeauna la nevoiaconstant\ a clien]ilor de “altceva”: mereu ceva nou,rafinat, estetic.

“Clien]ii no[tri fideli ne solicit\ constant sfatul cândvor s\ ofere cadouri partenerilor de afaceri. Nebucur\ faptul c\, iat\, [i `n România se con[tienti -zeaz\ din ce `n ce mai mult nevoia de a externalizaacest serviciu, la fel cum se apeleaz\ la firme spe-cializate [i pentru alte servicii profesionale, precumcele de avocatur\, contabilitate, asigur\ri sau publi-citate”, declar\ dl Raymond Grigoriu, managerCorporateBaskets.ro.

“Surprinz\tor de promp]i [i flexibili. Recomand cucaldur\.” Marius {tefan - Autonom Rent-a-Car

“Colaborarea este extraordinar\! Se bazeaz\ pe`ncredere, profesionalism des\vâr[it, sim]ul urgen]ei[i mai ales creativitate.” Alina Marinescu - JTI

“O metod\ de a nu fi uitat de parteneri – un gest mic[i comod de Cr\ciun, Pa[te sau 1-8 Martie.” Elena Grecu - Nomenius

Sfatul specialistului: Indiferent cu ce ocazie sau câtde des sau de rar oferi]i cadouri business, asigura -]i-v\ c\ acestea v\ reprezint\ [i c\ rezultatul estecel pe care vi-l dori]i. Pentru c\, `n ochii destinataru-lui, darul pe care i-l oferim ne reprezint\ [i, ca de laspecialist la specialist, deja [ti]i: nu doar gestul, ci [iimpresia conteaz\.

{i, pentru c\ vine Pa[tele, ave]i ocazia perfect\ s\v\ ar\ta]i aprecierea clien]ilor, colaboratorilor,partenerilor, angaja]ilor. Chiar dac\ nu dispune]i deun buget prea mare, v\ poate scoate din impas unco[ cu delicatese de sezon de la CorporateBaskets,prezentat estetic [i livrat exact la momentul potrivit.{ti]i deja de ce: buget minim, impact maxim. Iar pen-tru ca darul s\ fie [i mai memorabil, `l pu]eti oferi`naintea celorlal]i; va fi cu atât mai pl\cut [i sur-prinz\tor. Noi deja ne-am hot\rât ce s\ le oferimcolaboratorilor. Pa[te Fericit!

www.CorporateBaskets.roCadouri business rafinate [i originale, livrateprompt, estetic [i rentabil

M PARTENERII DE AFACERI?

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Volksbank România a lansat serviciul Info SMSpentru clien]ii persoane fizice [i persoane juridicecare au carduri sau conturi deschise la Volksbank.Prin acest serviciu, clien]ii sunt notifica]i ori de câteori apar rulaje pe conturi sau se efectueaz\ tranzac]iicu cardul.

“Noul serviciu ofer\ mai mult control asuprabugetelor clien]ilor [i cre[te gradul de securitate, `nspecial pe carduri”, a declarat Marius Istrati, [efulDepartamentului Retail Product Development dincadrul Volksbank România.

Banca a precizat c\, `n urm\toarele dou\ luni,clien]ii persoane fizice care contracteaz\ serviciulInfo SMS vor beneficia de o reducere de 50% acomisionului lunar de administrare pentru ContulGold, pe via]\.

{i `n cazul persoanelor juridice exist\ o promo]ie:clien]ii noi, dar [i cei existen]i care opteaz\ pentruInfo SMS beneficiaz\ de o reducere de 50% a comi-sionului de emitere a cardului Visa Business precum[i de comision zero la deschiderea conturilor curente`n lei sau `n valut\.

Prin serviciul Info SMS Card, clien]ii VolksbankRomânia vor primi un mesaj pe telefonul mobil la

fiecare tranzac]ie efectuat\ cu cardul (retrageri denumerar sau pl\]i la comercian]i) [i vor fi informa]icu privire la noul sold al contului. Costul serviciuluieste de cinci lei lunar, pentru fiecare card de]inut depersoane fizice, respectiv de 10 lei `n cazul per-soanelor juridice.

Clien]ii pot folosi [i serviciul complementar InfoSMS Cont, prin care vor primi alerte pentru`ncas\ri, pl\]i de OP-uri, virarea dobânzilor, platacomisioanelor [i orice alte tranzac]ii care nuimplic\ utilizarea cardului. Costul serviciului InfoSMS Cont este de cinci lei lunar per client,indiferent de num\rul de conturi deschise [i denum\rul tranzac]iilor, `n cazul persoanelor fizice.În cazul clien]ilor persoane juridice, tariful este de10 lei lunar.

Clien]ii pot alege nivelul minim al tranzac]iilorpentru care vor fi alerta]i, astfel `ncât s\ nuprimeasc\ mesaje [i pentru opera]iunile cu sumemici.

Clien]ii persoane fizice pot opta `ntre treiplafoane: 40, 100 sau 200 de lei, `n timp ce `ncazul clien]ilor corporate exist\ cinci plafoane, de la500 de lei la 5.000 de lei.

VOLKSBANK LANSEAZ| INFO SMS

Raiffeisen Leasing a anun]at finan]area de bunuri`n valoare total\ de 97,6 milioane de euro `n2011, `nregistrând o cre[tere cu 84% comparativcu 2010 [i un num\r de 1.975 noi contracte deleasing.

Compania s-a clasat, astfel, pe locul doi `n topulcompaniilor de leasing din sistemul bancar, cu ocot\ de pia]\ de 11%, conform datelor Asocia]ieiSociet\]ilor Financiare din România.

Rezultatele financiare au continuat s\ se`mbun\t\]easc\ `n 2011, comparativ cu anii 2009[i 2010, Raiffeisen Leasing ob]inând un profit netde 1,4 milioane de euro (IFRS), profitul netconsolidat al grupului de leasing situându-se la 2,3milioane de euro (IFRS). Diferen]a pân\ la sumatotal\ a fost dat\ de profitul net realizat decelelalte dou\ companii cu rezultate consolidate `ncadrul grupului, respectiv Raiffeisen BrokerAsigurare-Reasigurare [i Raiffeisen LeasingMoldova.

Distribu]ia pe tipuri de active finan]ate `n 2011

a fost `mp\r]it\ astfel: echipamentele aureprezentat 29%, vehiculele comerciale [iautoturismele - 65%, iar leasingul imobiliar - 6%.

Produsul de leasing a fost integrat `n gama deproduse a Raiffeisen Bank, for]a de vânzare ab\ncii având o contribu]ie de 47% `n totalulcontractelor de leasing `ncheiate.

"Pentru anul 2012, Raiffeisen Leasing [i-astabilit ca principal obiectiv al activit\]ii salemaximizarea nivelului de satisfac]ie a clien]ilor, prinoferirea de produse diversificate [i adaptatenevoilor acestora. Vom continua s\ oferim suportfinanciar partenerilor no[tri de business [i,totodat\, vom sus]ine afacerile viabile ale viitorilorparteneri", a afirmat Felix Daniliuc, director generalal Raiffeisen Leasing.

Raiffeisen Leasing este membr\ a grupuluifinanciar austriac Raiffeisen [i activeaz\ pe pia]aromâneasc\ din anul 2002. Compania arereprezentare na]ional\, `n 15 mari ora[e dinRomânia.

RAIFFEISEN LEASING M|RE{TE VOLUMUL FINAN}|RILOR

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Raiffeisen Bank a anun]at un profit net de 96 demilioane de euro `n 2011, `n cre[tere cu 16% fa]\de anul precedent, când a fost de 83 de milioane deeuro. Potrivit b\ncii, cre[terea profitului net `ntr-uncontext economic ce se p\streaz\ dificil se datore-az\, `n principal, calit\]ii bune a portofoliului decredite, unui nivel stabil al provizioanelor, precum [icapitaliz\rii solide a b\ncii.

La sfâr[itul anului 2011, valoarea total\ a activelorRaiffeisen Bank era de 5,521 miliarde de euro, maimare cu 8% fa]\ de aceea[i perioad\ a anului 2010.Volumul de credite administrate de banc\ a crescutcu 16% fa]\ de 2010, ajungând la 3,53 miliardede euro, `n timp ce volumul de depozite a crescutcu 7%, pân\ la 3,95 miliarde de euro. Raportulcredite/depozite era de 89% la sfâr[itul lui 2011,fa]\ de 83% la finele anului anterior. Rata sol -vabilit\]ii era de 10,9% la sfâr[itul lui 2011.

“Raiffeisen Bank a anun]at ast\zi un profit netde 96 milioane de euro, un rezultat foarte bun `ncondi]iile economice pe care le travers\m `n ultimiiani. Capitalizarea bun\, precum [i diversificareasurselor noastre de venituri ne-au permis s\cre[tem venitul b\ncii cu 6% [i s\ ne continu\mdezvoltarea. Am reu[it s\ ne consolid\m pozi]iade banc\ puternic\, p\strând `n toat\ aceast\perioad\ un control strict asupra costurilor [i oadministrare prudent\ a riscurilor. Vom continua`n 2012 ini]iativele de eficientizare a b\ncii [i desimplificare a proceselor, pentru mai bunadeservire a clien]ilor”, a declarat Steven vanGroningen, pre[edinte [i CEO al Raiffeisen BankRomânia. Reprezentantul bancii a mai precizat c\,`n 2011, cheltuielile au crescut u[or cu 3% caurmare a unei contribu]ii mai mari la fondul degarantare a depozitelor [i a cre[terii TVA. Raportulcost/venituri `ns\ s-a `mbun\t\]it, ajungând la 63,1%,fa]\ de 64,5% `n 2010, `n primul rând datorit\cre[terii veniturilor.

Cheltuielile cu provizioanele au r\mas neschim-bate `n 2011, la 48 milioane de euro, `n condi]iile `ncare activitatea de creditare se men]ine la un niveldestul de redus. Creditele neperformante au sc\zutpân\ la 6,4% la sfâr[itul anului (fa]\ de 7,6%, câterau la sfâr[itul lui 2010). Segmentul corpora]ii aavut rezultate foarte bune [i anul acesta, r\mânândunul dintre pilonii de venituri [i profitabilitate aib\ncii `n ace[ti ani dificili. Portofoliul de credite acrescut cu 20%, `n timp ce depozitele au sc\zut

u[or, cu circa 4%. Tranzac]iile au crescut atât canum\r, cât [i ca volum datorit\ cre[terii num\ruluiclien]ilor [i a intensific\rii activit\]ii clien]ilor existen]i.

~n ciuda cererii modeste pentru credite, zona deretail a cunoscut o cre[tere a activelor de circa 18%,`n timp ce depozitele au crescut cu 15%. “Suntemmul]umi]i de modul `n care a evoluat segmentulIMM, 26% cre[tere pe zona de creditare [i 17%cre[tere pe zona de pasive, fa]\ de 2010. Deasemenea, ne-am consolidat pozi]ia pe segmentulclien]ilor de top [i ne men]inem aten]ia asupraclien]ilor no[tri de cas\, pentru care trebuie creat\

valoare [i care pot asigura cre[tere”, a spus Stevenvan Groningen.

Activit\]ile de trezorerie au avut o contribu]ieimportant\ la rezultatele bune ale b\ncii, reprezen-tând circa 17% din venituri. Portofoliul de titluri destat, de circa 863 milioane de euro (reprezentând16% din active), asigur\ lichiditate optim\ bilan]uluicontabil al b\ncii.

Baza de clien]i a Raiffeisen Bank a r\mas con-stant\ `n 2011, la aproximativ dou\ milioane de per-soane fizice, 100.000 IMM-uri [i 8.000 de com-panii. La sfâr[itul lui 2011, re]eaua Raiffeisen Banknum\ra 543 de unit\]i (fa]\ de 540 `n 2010). Bancaavea 5.911 angaja]i la sfâr[itul anului 2011, fa]\ de6.104 `n 2010.

RAIFFEISEN BANK RAPORTEAZ| CRE{TEREA PROFITULUI

STEVEN VAN

GRONINGEN

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Departamentul de evalu\ri din cadrul ColliersInternational România a evaluat, pe parcursul anu-lui 2011, propriet\]i imobiliare `n valoare de [aptemiliarde de euro, `n cre[tere cu 10% fa]\ de2010. “Ca [i `n anii preceden]i, clien]ii existen]i aidepartamentului au avut cea mai mare pondere `ntotalul valoric al propriet\]ilor evaluate `n 2011,respectiv 85%. Numeric, aproximativ 30% din con-tractele semnate `n 2011 au fost `ncheiate cuclien]i noi. {i anul 2012 a `nceput sub auspiciipozitive, prin semnarea celei mai mari tranzac]iidin ultimii trei ani”, a declarat Lauren]iu Laz\r,

managerul Departamentului de Evalu\ri [iConsultan]\ din cadrul Colliers International.

Potrivit companiei, `n 2011, majoritateacererilor `nregistrate au fost cele pentru garantarea`mprumuturilor, iar valoarea propriet\]ilor evaluate`n acest scop a reprezentat circa 50% din totalulvalorii evaluate. Pe locul al doilea ca pondere s-ausituat lucr\rile efectuate pentru raportare financiar\[i cele `n scopuri fiscale, a c\ror valoare cumulat\a reprezentat aproximativ 25% din valoarea total\evaluat\ de Colliers `n 2011. De asemenea, s-aremarcat cre[terea num\rului de evalu\ri `n vederea achizi]iei sau vânz\rii, comparativ cu opondere destul de mic\ a acestora `n 2010.

Circa 15% din contractele semnate `n 2011 au

reprezentat studii de fezabilitate, studii de pia]\ [istudii de cea mai bun\ utilizare. O pondere impor-tant\ `n veniturile realizate `n 2011 a fostreprezentat\ de serviciul de evaluare a portofoliilorde garan]ii reziden]iale. De la lansarea produsului,departamentul de Evalu\ri [i Consultan]\ dincadrul Colliers International a lucrat cu 13 institu]iifinanciare ce de]in active semnificative pe pia]a dinRomânia.

De asemenea, 2011 a adus o cre[tere u[oar\ aveniturilor realizate de departamentul de Evalu\ri[i Consultan]\ al Colliers International `n România,

iar pentruanul `n curseste estimat\men]inereaacestora.Companiaapreciaz\ c\aspectulmajor care vacaracterizaevolu]iapie]ei `nacest an `lreprezint\ ungrad multmai ridicat alcomplexit\]iisau, dim-potriv\, alparticularit\]iicererilorprovenite din

partea clien]ilor, comparativ cu anii anteriori. “~n 2012 `ncerc\m s\ r\spundem cerin]elor

clien]ilor cu portofolii mixte de propriet\]i, pentrucare dezvolt\m produse de evaluare specifice. ~nplus, ca r\spuns la nevoile tot mai complexe alepie]ei, am continuat procesul de consolidare [iextindere a ariei noastre de expertiz\. ~n 2011 amcrescut echipa de evaluatori [i consultan]i la 15membri, incluzând atât juniori, cât [i seniori cuexperien]\ specific\ pe fiecare segment de pia]\,astfel `ncât putem considera c\ am ajuns la omaturitate ce ne permite s\ rezolv\m atât cerericomplexe, cât [i cereri specializate”, a completatdirectorul Departamentului de Evalu\ri [iConsultan]\ al Colliers International.

COLLIERS MARESTE VOLUMUL EVALU|RILOR

LAUREN}IU LAZ|R

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În cadrul programelor sale de educa]ie [i consul-tan]\ financiar\, KIWI Finance sus]ine proiectul“Educa]ie financiar\ - Banii pe `n]elesul copiilor” camaterie op]ional\ în clasele primare. Proiectul sederuleaz\ pe baza manualelor realizate de LigiaGeorgescu Golo[oiu, consilier direc]ie CancelariaB\ncii Na]ionale a României. În aceast\ etap\, pe 21martie 2012, Anca Bidian, CEO, KIWI Finance, [iLigia Georgescu Golo[oiu, autoarea manualelor, audistribuit manualele elevilor de clasa a III-a de la{coala General\ nr. 183 [i au sus]inut o scurt\prezentare despre importan]a banilor [i a gestion\riilor corecte.

“Ne dorim s\ educ\m elevii înc\ de la o vârst\fraged\ despre importan]a pe care o are ad -ministrarea eficient\ a banilor, parte important\ dinvia]a noastr\. În momentul de fa]\, disciplinaEduca]ie Financiar\ este op]ional\ în [coli, îns\proiectul pe care îl sus]inem î[i propune integrareaacesteia printre materiile obligatoriu de urmat.Sus]inerea proiectului este parte a eforturilor noastrede a dezvolta pe termen lung responsabilitatearomânilor cu privire la gestionarea bugetului personal[i pe cel al familiei”, a declarat Anca Bidian.

La rândul s\u, Ligia Georgescu Golo[oiu adeclarat: “Identificând necesitatea realiz\rii educa]ieifinanciare în [colile din România, adic\ într-un cadruinstitu]ionalizat, am avut în vedere [i ini]iativa Comi -siei Europene de a armoniza în toate ]\rile membreintroducerea unui nou curriculum [colar pentrupredarea Educa]iei Financiare. Prin implementareanoului op]ional urm\rim cre[terea gradului de impli-care a cadrelor didactice, a copiilor [i a p\rin]iloracestora în activit\]i de educa]ie financiar\ [i cunoa[ -terea mai bun\ a particularit\]ilor culturale româ -ne[ti. Prin elaborarea ofertei de curriculum [colar«Educa]ie Financiar\» ca disciplin\ pentru clasele aIII-a [i/sau a IV-a, s-a urm\rit conturarea unei ima -gini complete a modului în care banii sunt percepu]i,cheltui]i, economisi]i, împrumuta]i, investi]i în soci-etatea de azi, concomitent cu dobândirea unorabilit\]i de gestionare a banilor [i de adoptare a unordecizii care au consecin]e financiare”.

Manualul ofer\ r\spunsuri simple la întreb\ri pre-cum ce sunt banii, ce este extrasul de cont, ce esteun card, cum faci economii prin exemple practice,jocuri, rebusuri [i desene de colorat, adaptate vârsteimicilor elevi.

KIWI FINANCE SUS}INE PROIECTE PENTRU EDUCA}IE

Gabriel Cre]u ocup\ func]ia de Head of Sales `ncadrul KIWI Finance `ncepând cu luna martie2012. Acesta va fi responsabil de obiectivele devânz\ri, performan]a [i consolidarea echipelor [ide dezvoltarea canalelor de vânzare.

Gabriel Cre]u are o experien]\ bancar\ de 10ani, iar în ultimii [apte ani a ocupat pozi]ia deHead of Sales la OTP Bank. Este absolvent alFacult\]ii de Finan]e, Asigur\ri, B\nci [i Burse deValori [i de]ine un doctorat în [tiin]e economice.

“Venirea lui Gabriel la noi înseamn\consolidarea echipei KIWI Finance [i sunt convins\c\ experien]a, expertiza [i, nu în ultimul rând,aptitudinile de lucru cu oamenii sunt o garan]iepentru viziunea noastr\ de definire a industrieibrokerajului bancar la standarde de excelen]\. Denou\ ani, ceea ce ne une[te sunt valorile pe carele împ\rt\[im: încredere, responsabilitate, respect[i profesionalism, iar decizia lui Gabriel de a ni se

al\tura demonstreaz\ c\ am reu[it s\ cre\m unmediu s\n\tos [i un spirit valoros în industriafinanciar\ româneasc\”, a declarat Anca Bidian,CEO, KIWI Finance.

“M-am al\turat echipei KIWI pentru c\ amîncredere în modelul de business dezvoltat, darmai ales în oamenii care l-au creat. Am sim]it c\este nevoie de mine aici, atât de experien]a meaîndelungat\ în banking, cât [i de ideile, pasiunea,solu]iile mele. Consider c\ este important s\ faciparte dintr-o companie care î[i propune ca ]int\ nudoar profitul, ci î[i asum\ [i rolul de a «face bine».Pe aceast\ pia]\, aflat\ într-o continu\ turbulen]\,este nevoie de consultan]i financiari independen]icare s\ ajute clientul s\ în]eleag\ ceea ce alege,efectele comportamentului s\u în timp asuprabugetului familiei, pre]urile reale ale produselorbancare pe care le acceseaz\, riscurile pe care [i leasum\”, a spus, la rândul s\u, Gabriel Cre]u.

KIWI FINANCE ARE UN NOU HEAD OF SALES

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JW Marriott Bucharest Grand Hotel a anun]atredeschiderea Ballroom-ului Constan]a [i a s\lilorde conferin]e `n urma renov\rilor [i moderniz\riiprin instalarea echipamentelor de ultim\ genera]ie.

~n 2010, hotelul a s\rb\torit 10 ani deactivitate [i a `nceput renovarea tuturor s\lilor deconferin]e [i a spa]iilor publice din interior. Primulpas a fost renovarea Grand Ballroom [i a zoneipublice de la etajul `ntâi, inclusiv Vienna Lounge, acontinuat `n 2011 cu deschiderea JW Steakhouse[i s-a `ncheiat anul acesta pe 11 martie cureamenajarea Ballroom-ului Constan]a [i a s\lilormici de conferin]e. Investi]ia din 2012 pentrurenovarea s\lii Constan]a Ballroom [i a s\lilor micide conferin]e a fost `n valoare total\ de 730.000de euro.

JW Marriott [i-a propus s\ vin\ `n `ntâmpinareaclien]ilor prin modernizarea tehnologiilor decomunicare din s\lile de conferin]e, dar [i prin

`nnoirea decorurilor [i a mobilierului. S\lile deevenimente sunt dotate cu cele mai noiechipamente `n domeniu, printre care sistemeaudio [i video performante, echipamente tehnice`ncorporate `n tavan, sistem de lumini inteligente,controlate prin iPod.

“~n 2010 am împlinit 10 ani. Avem deja otradi]ie pe pia]a evenimentelor din Bucure[ti [i amvrut s\ avem [i cea mai modern\ tehnologie pentruca oaspe]ii no[tri s\ aib\ experien]a unor eveni -mente perfecte. Ne bucur\m c\ am `ncheiatprocesul de modernizare a s\lilor [i a spa]iilorpublice de la etajul `ntâi [i `i a[tept\m pe clien]iino[tri, pentru a `mp\rt\[i noutatea, `ntr-un centrude conferin]e dotat dup\ standarde de ultim\ or\,flexibil [i adaptabil tuturor cerin]elor”, a declaratIgael Porecki, directorul general al JW MarriottBucharest.

Toshiba Europe GmbH a anun]at o nou\ gam\ delaptopuri pentru uz personal [i pentru afaceri. Cuaceast\ ocazie, compania a precizat c\ specifica]iileacestora reflect\ cererea crescând\ atât pentruaplica]ii 2D [i 3D pe computerele mobile, cât [ipentru transfer de date rapid între dispozitive [i depe internet. Acest lucru este valabil pentru toatemodelele de laptopuri din seriile Satellite C, SatelliteL [i Satellite P, pentru sistemul de gaming QosmioX870 [i pentru noua serie de laptopuri Satellite Prodestinate utilizatorilor profesioni[ti. În plus, SatelliteP855 este primul laptop Satellite de la Toshiba careofer\ tehnologie 3D f\r\ ochelari. Noua gam\ delaptopuri Toshiba va fi disponibil\ în Europaîncepând cu al doilea trimestru al anului 2012.

“Noua gam\ reprezint\ urm\torul pas în strategiaToshiba de a crea produse inteligente [i diversificate,laptopuri cu un design atractiv [i cu un raport bunpre]-calitate. Pentru a atinge acest obiectiv, gamaSatellite vine acum cu o serie de func]ii avansate,incluzând interfe]e de port de ultim\ genera]ie [itehnologii premium 3D, cum ar fi 3D f\r\ ochelari [iconversia 2D - 3D”, a declarat Andy Bass,

vicepre[edinteDS, Vânz\ri & Marketing

Europa. Compania a men]ionat c\ gama Satellite Proinclude laptopuri potrivite tuturor necesit\]ilor dinmediul business, de la dispozitive portabile pentruangaja]ii afla]i mereu în mi[care pân\ la înlocuitoareputernice de sisteme desktop.

Noile serii Satellite Pro L [i Satellite Pro C suntdestinate atât micilor întreprinderi [i companii, cât [iutilizatorilor liber-profesioni[ti care doresc un laptopfiabil, cu func]ii complete. Laptopurile sunt echipatecu procesoare de ultim\ genera]ie [i interfe]e de datede mare vitez\. Ambele serii includ modele cudimensiuni ale ecranului de 39,9 cm (15,6’’) [i 43,2cm (17”), în timp ce seria L include [i un laptopultraportabil de 33 cm (13”). Noua gam\ SatellitePro va fi disponibil\ în Europa începând cu al doileatrimestru al anului 2012.

JW MARRIOTT FINALIZEAZ| RENOVAREA S|LILOR DE CONFERIN}E

TOSHIBA ~{I ~NNOIE{TE GAMA DE LAPTOPURI

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AURELIA-NICOLETA BUCURESCU

Când istoricii din viitor se vor uita `napoi, la felul`n care oamenii din timpurile noastre c\l\toreau, vorconstata un fenomen remarcabil: succesulcroazierelor. Se va eviden]ia faptul c\ num\rulpersoanelor care au plecat `ntr-o croazier\, `nvacan]\, a crescut cu mai mult de 7% `n fiecare an –o cre[tere nema`ntâlnit\ de vreun alt segment alindustriei turistice. De asemenea, se va observa c\marea majoritate a celor care pleac\ `ntr-o croazier\spun c\ au fost extrem de satisf\cu]i de aceast\experien]\. Se va admira m\re]ia navelor, deopotriv\mari [i mici, care transportau `n orice loc de pe globaproape orice persoan\ – c\s\torit\, singur\, tân\r\,b\trân\, bogat\ sau pe cale de a deveni bogat\. {i, mai mult decât orice, se va releva diversitateaserviciilor [i activit\]ilor de la bord de care pasageriise bucur\. Odat\ ce oamenii au fost `ntr-o croazier\,

o clasific\ ca fiind mai deosebit\ decât alte tipuri devacan]e [i g\sesc aceast\ experien]\ mult mai bun\decât se a[teptau s\ fie.

O croazier\ este o adev\rat\ vacan]\, o evadaredin stresul cotidian, ce ofer\ o [ans\ de relaxare [ipentru descoperirea confortului, a mânc\rii bune, aromantismului, departe de restul lumii [i f\r\ griji. Ocroazier\ ofer\ un excelent raport pre]-calitate,varietate, o [ans\ de a descoperi locuri noi, de a`ntâlni oameni diferi]i, de a lega noi prietenii, [i pelâng\ toate acestea ofer\ integritatea unei experien]ede neuitat.

Mizând pe poten]ialul acestui segment de pia]\ [ipe pasiunea pe care o avea pentru c\l\torii, IoanB\sea, director general al Croaziere.net, [i-a dedicattoat\ energia vânz\rii de croaziere `nc\ din 2005.Men]ionând c\ este complicat s\ vorbe[ti desprepropria afacere f\r\ s\ sune a laud\, Ioan B\sea avorbit despre `nceputurile activit\]ii firmei pe care o

BINE A}I VENIT LA BORD

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conduce. “Promov\m [i vindem croaziere din2005. Am `nceput cum se cuvine, cu cursuri depreg\tire `n Statele Unite, la CLIA Academy. Amparticipat la seminarii anuale pe mare la bordulvaselor, avem la activ 12 croaziere de duratediferite, pe vase [i linii diferite, f\cute de personalulagen]iei, 18 inspec]ii de vase de croazier\ diferite,patru voiaje inaugurale [i botezul acestora [i lista arputea continua. ~n plus, faptul c\, anual, `n medie,peste 1.000 de turi[ti au ales s\ navigheze prin noine-a oferit recunoa[terea necesar\, fiind `n acestsens singura agen]ie din Europa acreditat\ CruiseLines Interational Association (CLIA). Suntem, de

asemenea, acredita]i prin Association of CruiseExperts (ACE)”.

Referindu-se la activitatea curent\, directorulgeneral a precizat c\ sunt vândute f\r\ intermediarserviciile a 18 linii de croazier\. “Avem accespermanent la platformele lor de rezervare, totul on-line. Nu avem clien]i, ace[tia ne-au devenit prieteni,cum la fel nu avem concuren]i, agen]iile de turism(majoritatea) fiind partenerii no[tri, revânzândserviciile noastre. Nu suntem cei mai buni, dar`ncerc\m s\ devenim cei mai buni [i asta doar cusprijinul dumneavoastr\, deopotriv\, al turi[tilor [ial colegilor no[tri, agen]ii.”

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un vas de croazier\:

Domnul Lucian Ploie[teanu din Bucure[ti este unpasionat al concursurilor de cultur\ general\ [iapreciaz\ competi]iile interactive. A fost atras deC\l\toria Virtual\ atât pentru concursul propriu-zis,cât [i pentru modalitatea inedit\ de a vizita destina]iide pe Glob. A recunoscut cu modestie c\ nu sea[tepta s\ câ[tige premiul pus `n joc [i c\ a fost osurpriz\ uria[\ pentru el [i pentru so]ia sa. Dup\[apte zile de vis petrecute la bordul vasului “MSCArmonia”, domnul Ploie[teanu ne-a `mp\rt\[it cuentuziasm impresiile sale: “Croaziera pe Marea

Mediteran\ a fost super! Am strâns o mul]ime deimpresii [i amintiri, din ni[te locuri superbe – toatedoar `ntr-o s\pt\mân\ de concediu. Aceasta ni s-ap\rut a fi un mare avantaj al unei croaziere: po]ivizita mai multe ]\ri [i ora[e `ntr-un singur sejur, [iasta `n condi]ii de lux. Ne-a pl\cut mult cabina –foarte cochet\ [i intim\. Mâncarea a fost excelent\ [ipentru toate gusturile, puteai alege feluri maisofisticate sau mai comune. De asemenea, ne-au`ncântat spectacolele de la Teatrul «La Fenice» [iposibilit\]ile multiple de petrecere a timpului pe vas.Ne-am f\cut [i prieteni noi, din Italia, cu care vomp\stra leg\tura prin e-mail. Locurile vizitate au fostsuperbe. Cet\]ile din Rodos [i Dubrovnik ne-auimpresionat. La fel [i Vene]ia (Canal Grande, Pia]a

San Marco [i Insula Lido) [i Atena (v\zut\ de peAcropole). De asemenea, Bari (ora[ul vechi cuBiserica «Sf. Nicolae») [i Cefalonia (plaja Myrtos, cupeisaje deosebite). Trebuie s\ v\ spun c\ rudele [iprietenii ne-au invidiat, atât `nainte s\ plec\m `ncroazier\, cât mai ales dup\ ce ne-am `ntors, cândau v\zut fotografiile. {i nu pu]ini au fost cei c\rorale-am stârnit interesul pentru a merge [i ei `ntr-ocroazier\. A[a c\ nu ezita]i, pentru c\ nu ve]iregreta!”.

Despre vasul “MSC Armonia”: De o statur\maiestuoas\ [i totu[i intim\ [i intrigant\, “MSCArmonia” reflect\ holograma fin\ a stilului italian“MSC Cruises”. Exist\ câte ceva pentru fiecare labordul acestui vas, de la perete de c\]\rare, teren de

tenis pân\ la discoteci [i teatre. Ne putem `ncepeziua `n Cafeneaua Corner, dup\ care putem merge laInternet Café s\ verificam ce mai fac cei dragi deacas\. Apoi ne putem recompensa cu o [edin]\ defitness, sau ne putem continua ziua `ntr-una dintrepiscinele de pe vas sau la spa. Dup\ ce facem câtevacump\r\turi cu câ[tigul de la cazino, putem s\savur\m mânc\rurile mediteraneene din ResturantulMarco Polo.

A[a c\ dac\ dorim o experien]\ nou\ sau vis\m s\c\l\torim `n cât mai multe ]\ri cu un efort fizicminim, croazierele pot constitui o solu]ie potrivit\.Planificat din timp, pre]ul unui sejur pe un vas decroazier\ este identic cu pre]ul din marile resorturihoteliere.

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Carpatica Asig a anun]at ob]inerea unei cre[teri avolumului de prime brute subscrise de 52% înprimele dou\ luni ale anului, ajungând la nivelulanului 2010, anul cu cele mai bune rezultate pentrucompanie. Rezultatele companiei pentru anul 2011indic\ o sc\dere cu aproximativ 30% a primelorbrute subscrise fa]\ de 2010, pe fondul sc\deriipie]ei asigur\rilor generale, mai ales a celei deasigur\ri auto (17%), cea mai important\ parte aportofoliului Carpatica Asig.

Obiectivele pe care [i le propune companiapentru 2012 vizeaz\ o cre[tere de 25% a volumuluide prime brute subscrise, o echilibrare a structuriiportofoliului de produse prin cre[terea num\rului depoli]e de asigur\ri corporate, îndeosebi prin înt\rireaportofoliului de produse dedicate IMM-urilor. În2012, Carpatica are ca obiectiv intrarea pe pia]aasigur\rilor de tip garan]ii, cele engineering (CAR/EAR Construction All Risk - Erection All Risk),asigur\ri de echipamente electronice etc.

“Obiectivele noastre de cre[tere sunt realizabileprin implementarea unei strategii solide de dez -voltare a produselor non-auto (asigur\rile de locuin]\[i cele de r\spundere civil\), a produselor destinateIMM-urilor (asigurarea produc]iei, asigur\rilecomerciale [i cele de servicii) [i intrarea pe seg -mentul asigur\rilor corporate cu produsecompetitive. 2012 este [i anul în care inten]ion\mextinderea activit\]ii în str\in\tate, un obiectiv pecare îl analizam de câ]iva ani“, a declarat MarianaFlucu[, director general Carpatica Asig. “Companianoastr\ a trecut în 2011 la adoptarea unei strategiide “asanare a portofoliului” printr-o analiz\ prudent\a clien]ilor [i renun]area la cei cu o rat\ a daunalit\]iiridicate. Totodat\, am încercat men]inerea la un nivelsuportabil a tarifelor asigur\rilor auto practicate c\treclien]i. Am înregistrat îns\ o cre[tere notabil\ în2011 pe sectorul asigur\rilor de locuin]e, obli -gativitatea legal\ fiind un stimulent în achizi]i onareaacestui tip de poli]\”, a mai adaugat Mariana Flucu[.

CARPATICA ASIG ANUN}| CRE{TEREAVOLUMULUI DE PRIME BRUTE SUBSCRISE

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Tired of all that treasury hunting or paintball shooting? Do you want something that puts your creativity into play and still be shooting? Almost everyone has a camera and photographs their children, pets or surroundings. Almost everyone wants to learn more about photography and their camera. Oh yes, and some of you dream to have your own exhibition. Let’s do it! Let’s SHOOT & EXPOSE!

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We offer a wide range of photographic themes in the coolest places:

Have fun and learn photo tips & tricks! We will print your photos and expose them in a team exhibition!

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BCR Leasing a prezentat oficial echipa cu careva concura `n sezonul 2012 al CampionatuluiNa]ional de Raliuri Dunlop. Astfel, echipa esteformat\ din Valentin Porci[teanu, campion na]ionalabsolut `n 2011, Edwin Keleti, campion na]ionalde raliuri Grupa A `n 2010, [i Alexandru Filip,vicecampion na]ional, grupa A [i câ[tig\tor la clasaA `n 2009. Consilierea tehnic\ a echipei BCRLeasing Rally Team este asigurat\ de ColinaMotors, participant cu tradi]ie `n campionatulna]ional de raliuri.

”Dup\ 10 ani de activitate pe pia]a româneasc\,BCR Leasing [tie c\ experien]a este un atuimportant `n câ[tigarea oric\rei competi]ii. Deaceea a ales sportivi cu experien]\ [i a formato echip\ al c\rei obiectiv principal esteperforman]a. BCR Leasing este primacompanie de leasing care particip\ `nCampionatul Na]ional de Raliuri cu o echip\proprie, continuând astfel s\ prob\m oatitudine pe care o avem constant `n business[i care are la baz\ îndr\zneala, curajul de amerge pe drumuri neexplorate de ceilal]i,capacitatea de a privi lucrurile dintr-operspectiv\ nou\ [i de a fi astfel cu un pas`naintea vremurilor”, a declarat BogdanSpeteanu, director general, BCR Leasing.

Valentin Porci[teanu va pilota un MitsubishiEVO X R4, la Clasa 2, avându-l `n dreapta peDan Dobre, al\turi de care a câ[tigat titlulna]ional. “~n 2011, dup\ opt ani de munc\, amreu[it câ[tigarea titlului de Campion Na]ionalAbsolut. Este o performan]\ remarcabil\, fiind, cuaceast\ ocazie, cel mai tân\r campion na]ional deraliuri din toate timpurile – la 28 de ani. Pe lâng\asta, ne bucur\m c\, dup\ o pauz\ de trei ani, amreu[it s\ demonstr\m c\ cea mai `nalt\ treapt\ apodiumului poate fi ocupat\ [i de un echipajromân [i acest lucru ne d\ `ncredere c\ putemcontinua `n acest ritm. S-a dovedit de fiecare dat\c\ `n motorsport nu se poate face performan]\decât atunci când ai al\turi parteneri puternici.Prin acest parteneriat, `mpreun\ cu BCR Leasing,Colina Motorsport, Pirelli Tyre [i Vallino, avem`ncrederea c\ putem ob]ine rezultate foarte bune`n sezonul competi]ional 2012, dar [i `n viitoareleedi]ii ale Campionatului de Raliuri al României."

Alexandru Filip [i Bogdan Iancu, ocupan]iipozi]iei secunde ai Clasei 5 [i ai locului al treilea la

Clasa 2WD anul trecut, vor concura cu un RenaultClio R3 Maxi EVO, la Clasa 5. “Sunt foarte`ncântat, dar mai ales onorat pentru c\ am fostinvitat s\ fac parte din BCR Leasing Rally Team.Consider acest moment un nou `nceput [i vreau`mpreun\ cu copilotul meu, Bogdan Iancu, s\ neridic\m la nivelul de profesionalism al oamenilorcare se afl\ `n spatele acestei echipe. Munca [i`ncrederea lor ne oblig\ la rezultate sportivenotabile `n acest sezon competi]ional. În acela[itimp, m\ bucur c\ `nc\ un brand de notorietate seadaug\ `n portofoliul partenerilor echipajuluinostru, al\turi de Orange, Renault, Michelin,

Mobil 1 prin Star Lubricants [i ColinaMotorsport”, a declarat Alexandru Filip.

Edwin Keleti `[i va relua locul la volan, deaceast\ dat\ avându-l `n dreapta pe BotondCsomortani, [i va pilota un Mitsubishi EVO X, laClasa 3. “Pentru mine, 2012 este un dublu`nceput de sezon: pe de o parte, voi concuraal\turi de un copilot nou, Boti Csomortani, pe dealt\ parte, `mpreun\, vom reprezenta un numefoarte greu [i respectat, [i anume BCR Leasing. Nedorim mult ca acest parteneriat s\ fie un succesatât sportiv, cât [i de imagine. Este foarte bine c\o companie de aceast\ anvergur\ s-a al\turatsportului nostru. Aceasta demonstreaz\ importan]ainterconexiunii zonei de business cu cea de sport.La acest capitol, ne propunem s\ intr\m `n top[ase al clasamentului general [i top trei al Clasei 3al\turi de excelenta echip\ tehnic\ de la ColinaMotorsport, condus\ de George {erban.

BCR LEASING DEBUTEAZ| ~N CAMPIONATUL NA}IONAL DE RALIURI

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ISSN 2069 - 1807

Business Arena este

o publica]ie lunar\

editat\ de

Media Grafic,

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prec\dere liderilor [i

exper]ilor in afaceri,

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ale economiei.

Prestige page = Advertorial