7. září 2006 v 11:35 | Hacker |  Výsledky súťaží

Deviaty ročník ZIMNÝCH HALOVÝCH HIER HASIČSKEJ MLÁDEŽE sa uskutočnil 28.12. 2005 v ZŠ Povina. Súťaže sa zúčastnilo 12 družstiev zo siedmych DHZ okresu Kysucké Nové Mesto.
Účelom tejto súťaže je takouto hravou formou získavať mládež pre činnosť v hasičských zboroch a pomáhať svojim spoluobčanom.
Mladí požiarnici zmerali svoje sily v deviatich disciplínach, ako viazanie uzlov, určovanie technických prostriedkov, spájanie a rozpájanie hadíc a rozdeľovača, zhadzovanie kolkov hadicou, hádzanie krúžkov na cieľ.
V kategórii dievčat bol najlepší kolektív z Kysuckého Lieskovca, na 2. mieste boli dievčatá z Kysuckého Nového Mesta, tretie druhé družstvo Kysuckého Lieskovca, štvrté Ochodničanky a piate dievčatá z Poviny.
Medzi chlapcami sa najlepšie darilo Kysuckému Novému Mestu - obsadili 1. a 2. miesto, tretie boli Lopušné Pažite, na 4. mieste skončil Dolný Vadičov a na piatom chlapci z Ochodnice.

Poradie jednotlivcov
1. Katarína Bajánková (Kysucké Nové Mesto)
2. Petra Hýlová (Kysucký Lieskovec)
3. Veronika Skokanová (Kysucký Lieskovec)
4. Tatiana Skokanová (Kysucký Lieskovec)
5. Monika Kormanová (Kysucký Lieskovec)

1. Tomáš Bojko (Kysucké Nové Mesto)

2. Michal Belko (Kysucké Nové Mesto)

3. Michal Vavrík (Kysucké Nové Mesto)

4. Michal Marman (Kysucké Nové Mesto)
5. Dominik Káčerík (Dolný Vadičov)

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Nomis can be a fast-growth software agency that brings together cutting-edge Silicon Valley approaches to big information, sophisticated modeling, and deep analytics to help good sized and medium-sized retail banks a lot better understand their potential clients
Nationwide is actually a British mutual economical institution along with the largest generating society while in the world. Made up of over a hundred mergers, it is often a top-three provider of household savings and mortgages with the UK. By belongings, Nationwide is larger than all of your remaining 44 British building up societies combined. Nomis Price Optimizerв„ў allows for Nationwide to superior serve its visitors, augment its previously tiered process to lending, and offer rates that are tailored to the market, account for risk, and are preferred suited to the customer.
Key outcomes
Gained a significant 40 basis points in improved profit
Increased final results: Strategically repositioned personal loan product as 'high margin’ with greater profitability; identified the opportunity to increase profits by 10% implementing strategic pricing alone; increased understanding for the value of data-driven decisions; and offered additional personalized pricing with no negative impact to customer satisfaction.
We've partnered with Nomis Solutions to make use of a much more customer-centric and tailored solution to pricing that will empower us to price our unsecured loans industry appropriately and prudently. The Nomis Price Optimizer enables us to understand the impact of pricing on customer response and use that insight to make smarter pricing decisions during this difficult environment.
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Scotiabank is a person of your leading economic institutions in North America with the international presence in fifty countries. With headquarters in Toronto, the bank was founded in 1832. Scotiabank has in excess of 18 million purchasers and over $500 billion in belongings. Scotiabank partnered with Nomis to implement the Nomis Customer Portfolio Optimizationв„ў suite.
Key successes
Exceeded projected 1.3% uplift in belongings retained (with no expenses to margin) and $3.5 million in Net Interest Income over the to begin with yr
Overall retention rate increased by 1.9%
Average yield remained steady at less than 1 basis point below internet marketing business as usual
Average income increased by $5.1 million
Even more outcome: Increased retention significantly over plan with direct mail campaigns in distinct segments; kept sales officers inside pricing guidelines; and heightened renewal activity during the offer period by phasing proactive contact.
Before Nomis, our renewal contact with potential clients was basically regulatory-driven. Nomis helped us which has a significantly a lot more disciplined contact strategy. What we needed was someone to apply analytic discipline to our mortgage retention initiatives and to grant assistance on which patrons had been most possibly to attrite so we could focus our efforts on those clients. What it boiled down to was what clientele to contact, how to contact them, and what renewal rate we should offer them. For the same time, our pricing was entirely dependent on our sales officer's negotiation. With Nomis, we had been able to standardize our pricing and offer rates to our people centered primarily on their own probability of attrition. We not only met our organization case objectives, we exceeded them. whereas within the same time we ended up able to keep our margins stable.
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Top 5 US Bank
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“T5” was below intense pressure in a very declining market with increasing loss rates. This top-five bank’s home equity leadership sought a way to easily increase margins, preserve volume, and leverage pricing to make a increased attractive portfolio composition and risk profile, at the same time effectively deploying increasingly scarce capital. They carried out Nomis Price Optimizer™ for Home Equity to immediately calculate the profit-optimal price points for hundreds of thousands of product pricing cells, improve the efficiency belonging to the pricing practice by centralizing pricing detail and models in a single method, and leverage simulation to gain added visibility into product and portfolio capabilities. They also sought to understand the impact of price adjustments and macroeconomic changes before implementing new prices with the market.
Key successes
Increased profits by four.9% even when significantly increasing volume by 15.5%
Extra outcomes: Monitored the impact that new rates had on capabilities and rapidly made changes to accomplish desired good results; rapidly updated goals and internal constraints to the entire portfolio, one particular product, or a particular micro-segment; leveraged “what-if” scenarios to determine what would happen if they matched a competitor rate inside of a particular market segment and to simulate the impact of higher loss rates on functionality; and determined through simulation the cross-price effects on other products inside portfolio before implementing a product rate change to ensure that their decisions led to desired credit mix and operation targets.
By implementing a profit-based pricing technique, we’ve gained a significant advantage which allows us to significantly better manage our efficiency in the volatile home equity market.
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Ned Bank
Nedbank Group Minimal is the fourth largest banking group in South Africa, with the second largest retail deposit base. Which has a legacy of market-based pricing, the bank was seeking a strategic technique to pricing that would help them to a good deal more easily and consistently evaluate potential pricing decisions and increase their speed of learning. For the same time, Nedbank wanted to make a a good deal more customer-centric method to pricing, taking into account preferences, demand, and overall relationship profitability with the pricing approach. To realize their deposit goals, the bank needed to increase Net Interest Income and improve retention without sacrificing balances and volumes. Nedbank also wanted a a great deal more precise strategy to predicting potential balance flows beneath varying market conditions. They selected the Nomis Price Optimizerв„ў remedy.
Key benefits
Achieved 18% spread improvement and 12% incremental Net Interest Income from the primary 5 months with less than 1% impact on balances
Gained sophisticated ability to predict upcoming balance flows beneath varying conditions
Extra benefits: Increased profitability of clientele through a considerably better understanding of potential balance cannibalization; achieved greater volume and margin trade-offs having a a bit more granular pricing strategy; and freed resources for higher-value, increased strategic activities by operationalizing a well-defined pricing methodology within the Nomis software.
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