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Test Number : 1Z0-1019
Test Name : Oracle Accounting Hub Cloud Service 2018 Implementation Essentials
Vendor Name : Oracle
Q&A : 60 Dumps Questions

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Oracle Accounting Hub Cloud Service 2018 Implementation Essentials book

NN community stories 4Q18 and 2018 outcomes | 1Z0-1019 Dumps and Real test Questions with VCE Practice Test

February 14, 2019 01:01 ET | supply: ING insurance Eurasia N.V

Solvency II ratio 230%, remaining dividend and share buyback announced

  • 4Q18 working outcome of the continued business of EUR 343 million, greatly sturdy versus 4Q17 reflecting more advantageous effects at Netherlands life, Netherlands Non-lifestyles, coverage Europe and Japan existence, offset by lessen effects at the segment different and Asset administration
  • Full-year 2018 working influence of the continued enterprise of EUR 1,626 million, up three% from 2017
  • web outcomes EUR -533 million in 4Q18 versus EUR seven hundred million in 4Q17, reflecting the goodwill impairment due to the development of the integration of NN life and Delta Lloyd existence (as introduced on 13 December 2018) and lessen non-working gadgets
  • Full-year 2018 net outcomes of EUR 1,117 million versus EUR 2,one hundred ten million in 2017
  • additional cost rate reductions of EUR 20 million in 4Q18, bringing complete can charge mark downs to EUR 289 million versus the total-year 2016 administrative price base
  • APE on the assurance businesses up eight.1% at steady currencies compared with 4Q17. Full-year 2018 price of latest business (VNB) of EUR 391 million, up 13.four% from 2017
  • 2018 remaining dividend inspiration of EUR 1.24 per typical share, bringing the entire-yr 2018 dividend to EUR 1.ninety per general share, or approximately EUR 637 million in total, up 14.5% in comparison with 2017
  • Solvency II ratio of 230% displays changes within the company tax fee in the Netherlands, the affect of the remaining dividend and the termination of the warrant agreement as well as poor fairness revaluations, partly offset by means of the expansion of the Partial interior model and working capital era
  • keeping business money capital elevated to EUR 2,005 million, reflecting net dividends from subsidiaries partly offset through shares repurchased within the fourth quarter of 2018 and the termination of the warrant agreement with ING Groep
  • Share buyback programme as much as EUR 500 million over 365 days, expected to start on 1 March 2019 
  • commentary of Lard Friese, CEO

    '2018 turned into a a hit 12 months for their business. They additional reinforced their market position and reached a couple of crucial milestones in the integration technique of Delta Lloyd's asset management, banking and the Dutch and Belgium assurance agencies. They obtained approval from the Dutch principal bank (DNB) to expand their Partial inside mannequin to include the Delta Lloyd life and Non-lifestyles entities in the Netherlands, and they merged Delta Lloyd lifestyles and Non-lifestyles into NN life and Non-lifestyles on 1 January 2019. within the Netherlands and Belgium, they have accomplished complete cost discount rates to date of EUR 289 million compared with the whole-12 months 2016 administrative cost base. they have additional integrated teams, techniques and techniques, accelerated effectivity, and delivered new items and services to satisfy their clients' wants. The rebranding of Delta Lloyd's products and functions to Nationale-Nederlanden is very nearly finished.

    The 2018 operating effect turned into up three% in comparison with 2017, driven by way of greater performance at Netherlands lifestyles, Netherlands Non-life and insurance Europe, whereas at the identical time Japan lifestyles, their asset manager and the reinsurance business confronted some headwinds.

    business momentum persevered, supported by an more advantageous product combine that drove a 19.6% enhance within the price of exact company in Europe and a 10.3% raise in Japan in 2018 compared with 2017. New revenue in 2018 had been down in comparison with 2017, as pension contracts within the Netherlands aren't renewed each and every year and in 2018 they noticed a reduce volume of pension contracts arising for renewal.

    in response to their purpose to achieve price advent and ecocnomic increase, they achieved the acquisition of Aegon's life coverage company within the Czech Republic and its life coverage and pension companies in Slovakia in January 2019.

    Our balance sheet remained strong in the fourth quarter, with a Solvency II ratio of 230% after deducting the ultimate dividend, and a money capital place of EUR 2,005 million. they can suggest a 2018 last dividend of EUR 1.24 per common share at their Annual normal meeting of Shareholders on 29 may 2019. together with the interim dividend paid in September 2018, this brings the complete-year 2018 dividend per regular share to EUR 1.ninety, up 14.5% compared with 2017 and represents a pay-out ratio of 50% of the full-12 months 2018 internet working influence of the ongoing company. this is in accordance with their aim for a double-digit raise in the dividend per share in 2018.

    we're today saying a programme to purchase back shares as much as EUR 500 million over a duration of twelve months. This underlines their disciplined capital administration in addition to their commitment to returning excess capital to shareholders. on the equal time, they agree with it is fundamental to hold a robust capital position and the financial flexibility to be able to pursue alternatives to support their enterprise additional and to create additional cost.

    We once again took steps to combine Environmental, Social and Governance (ESG) considerations into their funding methods. furthermore, NN group elevated its ranking in the Sustainalytics score and now ranks amongst the leaders within the sector. In January 2019, NN neighborhood was protected within the Bloomberg Gender Equality Index. This index highlights 230 groups that are committed to transparency in office gender reporting.

    All these achievements should not have been feasible without the dedication and efforts of their personnel and company companions. They proceed to focal point on their key priorities to effectively integrate Delta Lloyd, additional Strengthen performance, accelerate the transformation of the business mannequin, and to allocate capital rationally. i am confident that the enterprise is well-positioned to convey on their priorities going ahead.'

    NN neighborhood key figures

    In EUR million 4Q18 4Q17 modificationFY18 FY17 alternate               working result ongoing business1) 343 345 -0.7% 1,626 1,586 2.5% web effect -533 700   1,117 2,110 -47.1%                 4Q18 3Q18 4Q17       Solvency II ratio2) 230% 239% 199%      

    be aware: All footnotes are protected on web page 29

    approach and priorities

    Our corporations are developed on an exceptional groundwork of goal, values and manufacturer attributes, which, mixed with a strong focal point on their strategic priorities, permits us to create lengthy-time period cost. here is how they bring on their ambition to be an organization that basically concerns within the lives of their stakeholders.


    in the Netherlands, new pension valued clientele are selecting NN for its captivating products, the first-class of service, and the monetary situations. as an instance, A.S. Watson transferred its pension plans to NN lifestyles and BeFrank as of January 2019. Interfood, a world dairy business, additionally chosen NN existence to manipulate its pension plan.

    In November, NN bank extended its loan product latitude by means of launching the 'purchase-to-Let' personal loan, primarily designed for financing residential property for private letting.

    NN goals to adapt its enterprise to altering market dynamics, and perpetually appears for new the way to meet customers' wants. In January 2019, Nationale-Nederlanden, along side a couple of third parties, launched ideal Day cybersecurity. ultimate Day, an initiative from the innovation centre Sparklab, focuses completely on SMEs. It comprises a brand new provider that presents functional insights (for example on vulnerability of internet sites, protection of client guidance or vulnerable passwords), gives concrete solutions, and makes cybersecurity low in cost.

    We proceed to discover options to construct partnerships, and put money into expertise and analytics which will support us to enhance their offering. in response to this strategy, NN group has entered into a partnership with Crunchr, a younger enterprise that develops and presents cloud options for group of workers analytics. Its items and functions allow businesses to make team of workers choices the use of facts and analytics. It additionally presents tooling for worker surveys. by means of including the Crunchr items to its providing, NN will support its position as a company companion.

    The items of ABN AMRO Verzekeringen have been regarded by using quite a lot of organizations for his or her high pleasant. The enterprise additionally bought an award for most efficient insurer by the Dutch journal administration crew, and became given 5 stars with the aid of MoneyView. furthermore, OHRA received a bronze EFFIE, a respected communication award in the Netherlands, for its campaign 'Mobiel Verzekeren'. This yr OHRA changed into awarded for its a hit campaign 'Rob and Els', which met the set goals when it comes to consciousness, attitude and behaviour.

    Movir, which offers particular person incapacity coverage to self-employed employees within the Netherlands, was awarded the title of most desirable earnings insurer by way of the association of unbiased financial advisors, Adfiz. Movir also ranked first in the category 'top-quality partner claims handling'.

    foreign assurance

    NN's international insurance businesses are increasing their portfolio of coverage products and delivered several new propositions in quite a few markets. as an instance, Nationale-Nederlanden in Spain launched a brand new lifestyles insurance coverage product, 'Contigo Familia', covering death, disability and ailment, with different modular alternate options tailor-made to a customer's profile and that of his or her family. valued clientele have 24/7 entry to scientific experts through a health app referred to as 'assembly medical doctors'.

    NN existence Japan continues to strengthen new business-Owned existence coverage (COLI) items, and expands and diversifies its distribution inside the increasingly aggressive market, with a spotlight on value over volume. COLI income through Sumitomo existence accounted for 11% of NN existence Japan's complete income in 2018. Sumitomo lifestyles agents begun providing NN existence Japan's accelerated living incapacity benefit and extending term products in April 2017, and its critical sickness insurance as of April 2018. the brand new COLI product delivered in November 2018 gives coverage to enterprise homeowners in the experience of unexpected accidents, the want for nursing care or incapacity. revenue carried out neatly within the last two months of 2018.

    NN Turkey launched a modular, flexible and imaginative lifestyles insurance plan product in November. The product helps consumers during the distinctive degrees in existence, with its advantages adapting to fulfill a consumer's changing wants. NN Turkey also launched 'e-NN', the business's first on-line sales platform providing three items: lifestyles, critical disorder and private accident assurance assistance services. It goals to expand the product latitude within the close future.

    In 2018, foreign assurance deploy a centre of excellence, 'NN records Science Hub', to deliver a boost to analytics capabilities and accelerate statistics-pushed transformation. At NN, analytics is used to Strengthen approaches throughout the cost chain: from product development to advertising and revenue, from chance evaluation and underwriting to claims management. as an example, the Hub launched a pilot for a climate alert device for domestic coverage valued clientele in Spain. When the legitimate Spanish weather forecast web page expects dangerous climate, an alert should be despatched to valued clientele so one can take appropriate measures to avoid any damages to their houses.

    As a fiscal services enterprise active in 18 nations, they operate inside diverse regulatory environments. In Romania, the place NN is market chief in life and pensions, the executive approved large adjustments to the 2d pension pillar in December 2018. These adjustments are being intently studied through NN and can have an impact on the fundamentals of the second pension pillar equipment in Romania.

    Asset administration

    NN investment partners (NN IP) completed the mixing of Delta Lloyd Asset management (DLAM) within the 2d quarter of 2018. With the purpose to enhanced leverage on present capabilities and accelerate decision-making, in November, NN IP announced its intention to consolidate the Luxembourg management business, NN investment companions Luxembourg S.A., with NN funding companions B.V., the Dutch licensed entity.

    NN IP goals to establish and enhance partnerships for distributing its products and options. within the fourth quarter of 2018, it reached an settlement to enhance the long-time period partnership with ING bank Slaski in Poland. below this settlement, ING bank Slaski will acquire a 45% stake in NN IP in Poland, and distribute NN IP investment money to the Polish retail market through its extensive branch community. In Japan, in conjunction with Rakuten Securities it announced the launch of a brand new investment provider, which makes it feasible to deliver a customized goal-yr investment answer for retail customers. the primary products and options via NN IP's partnership with Irish existence funding administration have been launched.

    NN IP considers ESG analyses throughout the total investment technique. The NN (L) Euro green Bond Fund has grown into one of the most world's biggest eco-friendly bond money, crossing an AuM of EUR 570 million. within the fourth quarter of 2018, NN IP launched the NN (L) European Sustainable Infrastructure Debt Fund, in accordance with becoming investor demand for prime high-quality infrastructure debt investments with strong and predictable cash flows, generated from belongings that make a contribution to a extra sustainable future.

    In its latest replace, Morningstar awarded star Fund, the third pillar Belgian pension fund managed with the aid of NN IP Belgium, 4 Morningstar Globes. The fund also appears within the 14th percentile in terms of sustainability in the category "Allocation EUR bendy", making it the most excellent-ranked Belgian third pillar pension fund dispensed in Belgium.

    other events

    In November 2018, NN group changed into recognized with the standard fifth position in the 2018 Tax Transparency Benchmark. This examine is commissioned by means of the Dutch association of traders for Sustainable building (VBDO), and ranks seventy six Dutch listed organizations on their level of transparency concerning their tax approach and implementation.

    For the fourth consecutive year, NN community more advantageous its ranking within the global true estate Sustainability Benchmark (GRESB), outperforming the vast majority of the 850 GRESB participants. in the 2018 assessment, NN neighborhood investments in inner most precise property obtained an improved rating of 80 (on a scale of 1 to one hundred) against a principal benchmark general of 66. The portfolio maintained 4 stars out of 5 in the 2018 rating. The GRESB is a leading global ordinary for assessing actual property's environmental, social and governance (ESG) efficiency, including efficiency indicators comparable to energy, greenhouse fuel emissions, water and waste.

    NN community Profile

    NN group is a global fiscal features company, energetic in 18 international locations, with a robust presence in a number of European international locations and Japan. With all its personnel, the neighborhood offers retirement capabilities, pensions, insurance, investments and banking to about 17 million valued clientele. NN neighborhood contains Nationale-Nederlanden, NN, Delta Lloyd, NN investment companions, ABN AMRO insurance, Movir, AZL, BeFrank and OHRA. NN community is listed on Euronext Amsterdam (NN).

    Analyst and investor call

    Lard Friese and Delfin Rueda will host an analyst and investor convention call to discuss the 4Q18 outcomes at 10.30 am CET on Thursday 14 February 2019. individuals of the funding neighborhood can join the conference call at +31 20 531 5865    (NL), +forty four 203 365 3210    (UK), +1 866 349 6093    (US) or follow the webcast on

    Press name

    Lard Friese and Delfin Rueda will host a press call to focus on the 4Q18 outcomes, which can be held at 07.forty five am CET on Thursday 14 February 2019. Journalists can join the click name at +31 20 531 5863    (NL).

    economic calendar

    ebook 1Q19 results: sixteen may also 2019 Annual established assembly: 29 may additionally 2019   publication 2Q19 consequences: 15 August 2019 ebook 3Q19 effects: 14 November 2019

    Contact assistance

    Press enquiries

    Media relations+31 70 513 1918

      Investor enquiries

    Investor family members+31 88 663 5464

    additional info on

  • NN group 4Q18 fiscal complement, NN neighborhood 4Q18 Analyst Presentation
  • photos of NN neighborhood executives, constructions and events are available for down load at Flickr
  • important felony advice

    aspects of this press unlock include or can also contain tips about NN community N.V. in the which means of Article 7(1) to (four) of ecu law No 596/ 2014 (Market Abuse regulation). NN group's Consolidated Annual money owed are organized in line with foreign monetary Reporting requirements as adopted by means of the eu Union ("IFRS-eu") and with half 9 of book 2 of the Dutch Civil Code. In preparing the fiscal assistance during this doc, the identical accounting ideas are utilized as within the NN community N.V. Condensed consolidated interim accounts for the length ended 30 September 2018. The Annual debts for 2018 are in development and might be subject to changes from subsequent movements.

    All figures during this doc are unaudited. Small modifications are feasible in the tables due to rounding. definite of the statements contained herein are not historic records, together with, without trouble, definite statements made from future expectations and other forward-looking statements which are in line with administration's existing views and assumptions and contain generic and unknown hazards and uncertainties that might cause actual effects, efficiency or movements to differ materially from those expressed or implied in such statements. precise results, performance or activities might also fluctuate materially from those in such statements as a result of, devoid of problem: (1) changes in established economic conditions, in specific financial conditions in NN community's core markets, (2) adjustments in efficiency of financial markets, including developing markets, (three) consequences of a potential (partial) smash-up of the euro or European Union international locations leaving the european Union, (4) alterations within the availability of, and charges linked to, sources of liquidity in addition to circumstances in the credit markets frequently, (5) the frequency and severity of insured loss movements, (6) changes affecting mortality and morbidity stages and trends, (7) changes affecting persistency ranges, (eight) alterations affecting activity expense levels, (9) changes affecting foreign money exchange costs, (10) alterations in investor, client and policyholder behaviour, (11) adjustments in standard aggressive factors, (12) adjustments in laws and laws and the interpretation and software thereof, (13) changes in the policies and moves of governments and/or regulatory authorities, (14) conclusions with reference to accounting assumptions and methodologies, (15) adjustments in possession that might affect the long run availability to NN neighborhood of web working loss, net capital and constructed-in loss carry forwards, (16) changes in credit score and monetary strength rankings, (17) NN group's capacity to achieve projected operational synergies, (18) catastrophes and terrorist-connected events, (19) opposed developments in criminal and different court cases and (20) the other hazards and uncertainties contained in contemporary public disclosures made by means of NN group.

    Any ahead-looking statements made by using or on behalf of NN neighborhood talk best as of the date they're made, and, NN community assumes no duty to publicly replace or revise any ahead-searching statements, no matter if on account of new tips or for every other intent.This doc does not represent an offer to sell, or a solicitation of a proposal to buy, any securities.

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    ISC2 [6 Certification Exam(s) ]
    ISEB [24 Certification Exam(s) ]
    Isilon [4 Certification Exam(s) ]
    ISM [6 Certification Exam(s) ]
    iSQI [7 Certification Exam(s) ]
    ITEC [1 Certification Exam(s) ]
    Juniper [66 Certification Exam(s) ]
    LEED [1 Certification Exam(s) ]
    Legato [5 Certification Exam(s) ]
    Liferay [1 Certification Exam(s) ]
    Logical-Operations [1 Certification Exam(s) ]
    Lotus [66 Certification Exam(s) ]
    LPI [24 Certification Exam(s) ]
    LSI [3 Certification Exam(s) ]
    Magento [3 Certification Exam(s) ]
    Maintenance [2 Certification Exam(s) ]
    McAfee [9 Certification Exam(s) ]
    McData [3 Certification Exam(s) ]
    Medical [68 Certification Exam(s) ]
    Microsoft [387 Certification Exam(s) ]
    Mile2 [3 Certification Exam(s) ]
    Military [1 Certification Exam(s) ]
    Misc [1 Certification Exam(s) ]
    Motorola [7 Certification Exam(s) ]
    mySQL [4 Certification Exam(s) ]
    NBSTSA [1 Certification Exam(s) ]
    NCEES [2 Certification Exam(s) ]
    NCIDQ [1 Certification Exam(s) ]
    NCLEX [3 Certification Exam(s) ]
    Network-General [12 Certification Exam(s) ]
    NetworkAppliance [39 Certification Exam(s) ]
    NI [1 Certification Exam(s) ]
    NIELIT [1 Certification Exam(s) ]
    Nokia [6 Certification Exam(s) ]
    Nortel [130 Certification Exam(s) ]
    Novell [37 Certification Exam(s) ]
    OMG [10 Certification Exam(s) ]
    Oracle [299 Certification Exam(s) ]
    P&C [2 Certification Exam(s) ]
    Palo-Alto [4 Certification Exam(s) ]
    PARCC [1 Certification Exam(s) ]
    PayPal [1 Certification Exam(s) ]
    Pegasystems [12 Certification Exam(s) ]
    PEOPLECERT [4 Certification Exam(s) ]
    PMI [16 Certification Exam(s) ]
    Polycom [2 Certification Exam(s) ]
    PostgreSQL-CE [1 Certification Exam(s) ]
    Prince2 [7 Certification Exam(s) ]
    PRMIA [1 Certification Exam(s) ]
    PsychCorp [1 Certification Exam(s) ]
    PTCB [2 Certification Exam(s) ]
    QAI [1 Certification Exam(s) ]
    QlikView [1 Certification Exam(s) ]
    Quality-Assurance [7 Certification Exam(s) ]
    RACC [1 Certification Exam(s) ]
    Real Estate [1 Certification Exam(s) ]
    Real-Estate [1 Certification Exam(s) ]
    RedHat [8 Certification Exam(s) ]
    RES [5 Certification Exam(s) ]
    Riverbed [8 Certification Exam(s) ]
    RSA [15 Certification Exam(s) ]
    Sair [8 Certification Exam(s) ]
    Salesforce [5 Certification Exam(s) ]
    SANS [1 Certification Exam(s) ]
    SAP [98 Certification Exam(s) ]
    SASInstitute [15 Certification Exam(s) ]
    SAT [1 Certification Exam(s) ]
    SCO [10 Certification Exam(s) ]
    SCP [6 Certification Exam(s) ]
    SDI [3 Certification Exam(s) ]
    See-Beyond [1 Certification Exam(s) ]
    Siemens [1 Certification Exam(s) ]
    Snia [7 Certification Exam(s) ]
    SOA [15 Certification Exam(s) ]
    Social-Work-Board [4 Certification Exam(s) ]
    SpringSource [1 Certification Exam(s) ]
    SUN [63 Certification Exam(s) ]
    SUSE [1 Certification Exam(s) ]
    Sybase [17 Certification Exam(s) ]
    Symantec [136 Certification Exam(s) ]
    Teacher-Certification [4 Certification Exam(s) ]
    The-Open-Group [8 Certification Exam(s) ]
    TIA [3 Certification Exam(s) ]
    Tibco [18 Certification Exam(s) ]
    Trainers [3 Certification Exam(s) ]
    Trend [1 Certification Exam(s) ]
    TruSecure [1 Certification Exam(s) ]
    USMLE [1 Certification Exam(s) ]
    VCE [7 Certification Exam(s) ]
    Veeam [2 Certification Exam(s) ]
    Veritas [33 Certification Exam(s) ]
    Vmware [63 Certification Exam(s) ]
    Wonderlic [2 Certification Exam(s) ]
    Worldatwork [2 Certification Exam(s) ]
    XML-Master [3 Certification Exam(s) ]
    Zend [6 Certification Exam(s) ]

    References : Certification test dumps

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