- EOS Group

Transcription

- EOS Group

Publication details
Published by
KG EOS Holding GmbH & Co
Corporate Communications
Steindamm 71, 20099 Hamburg, Germany
Telephone: +49 40 2532-8657
Telefax: +49 40 2532-8658
Internet: www.eos-solutions.com
10.05 a.m.
7.53 a.m.
1.30 p.m.
Contact
Lara Flemming (Overall responsibility)
Head of Corporate Communications & Marketing
Email: [email protected]
Berit Ewald (Project management)
Senior Public Relations Consultant
Editorial Content
12.15 p.m.
Maja Alfke
Helmut Broeg
Claudia Gottschalk
Denkspot, Kathrin Thomsen, www.denkspot.de
Storydock : Redaktionsbüro, Dörte Schmidt
Sommer-Texte, Melanie Sommer
9.30 a.m.
Design
Matthias Welker (Concept)
Claim GmbH, www.claim.de
Lisa Mäkinen (Art Director)
Square Media GmbH, www.squaremedia.de
Grindelberg 77, 20144 Hamburg, Germany
04 A day at EOS
Creation
Carolin Westner (Project management)
Contents
Picture credits
Our new iPad app gives you even more
Photographer: Sebastian Vollmert
The wood used for this
paper comes from responsibly managed forests,
certified compliant with the
guidelines of the Forest
Stewardship Council
(FSC®).
Insights
Other pictures: Gettyimages (p. 3 bottom, S. 21), istockphoto (p. 13 top, middle, p.
23, p. 27 bottom, p. 39), panthermedia (p. 11 right), shutterstock (p. 13 bottom, p. 27
middle, p. 36, p. 38 left), PR EOS: p. 3 (bottom right), p. 27 top, p. 30 to 34, p. 38 right
Infographics: Square Media GmbH
Date of publication: 1 September 2011
Disclaimer of warranty
This report contains statements relating to the future which are based on assumptions and estimates by the company management. Although the management assumes that
these anticipatory statements are realistic, it cannot guarantee that the expectations will turn out to be correct. The assumptions can involve risks and uncertainties which might
result in the actual results deviating significantly from the anticipatory statements. If the report contains editorial mistakes or is incomplete in some respects, KG EOS Holding
GmbH & Co shall assume no liability or guarantee for this. KG EOS Holding GmbH & Co has made no plans for any update of the anticipatory statements or any correction of, or
addition to, the annual report and shall accept no obligation to do so. KG EOS Holding GmbH & Co nevertheless reserves the right to update the report at any time without making any specific announcement. In the event of contradictions between the German and English versions of the annual report, the German version shall take precedence.
Preface by Hans-Werner Scherer
Steindamm 71 | 20099 Hamburg | Germany
Phone: +49 40 2532-8657
Fax: +49 40 2532-8658
www.eos-solutions.com
The EOS Group in 2010/11
insight into a typical day at work at EOS
worldwide: background information about
06 EOS Field Services The Fiat Bank utilises EOS’s
articles, employee reports as well as facts
competence for debt collection in the field and the
and figures are
recovery of vehicles
all available for
09 Combined studies Collaboration between EOS and
download free
the Hamburg School of Business Administration (HSBA)
of charge. Have
10 New markets Companies founded in Bosnia and
fun discovering
everything!
Herzegovina, Ukraine and China
13 News EOS news in brief
14 EOS CreditCN The website operator Sohu.com
With head and heart in finance
delegates receivables to the Asian EOS company based in Beijing
Publication details
Published by
Telephone: +49 40 2532-8657
Telefax: +49 40 2532-8658
10.05 a.m.
7.53 a.m.
1.30 p.m.
Contact
Editorial Content
12.15 p.m.
Maja Alfke
Helmut Broeg
Claudia Gottschalk
9.30 a.m.
Design
04 A day at EOS
Creation
Contents
Picture credits
Stewardship Council
(FSC®).
Insights
Phone: +49 40 2532-8657
Fax: +49 40 2532-8658
and figures are
all available for
download free
of charge. Have
fun discovering
everything!
3.48 p.m.
2.05 p.m.
8.00 p.m.
2.20 p.m.
4.58 p.m.
3.16 p.m.
17 EOS Cross-border Center Optimized international debt
28 Social media EOS makes use of social networks in its
collection managed centrally
18 EOS Payment Solutions Deutsche Telekom relies on the
EOS specialist when it comes to processing payments from 30 10 years of EOS The EOS brand is celebrating its tenth its online portals
internal and external communications
anniversary
21 EOS Immobilienworkout Certified management of non-
36 Development Regions, companies, markets and earnings
40 Figures The key figures of EOS Consolidated at a glance
performing mortgages
22 EOS Call centre Reminders by phone in Germany and the
Czech Republic 24 EOS CCA The US-American EOS company expands to the
West Coast
43 Publication details
EOS business model
EOS at a glance
The EOS Group and its subsidiaries
• Data generation
• Address validation
• Target group marketing
• Data enhancement
• Online targeting
More than 45 EOS companies in over 20 countries around the world provide services to
20,000 clients in the areas of marketing information, risk information, payment services and
the Group’s core business of receivables management.
West.
Europe
Germany
East.
Europe
US
Asia
196,036
64,926
58,446
49,464
Marketing
information
Excellent credit rating
2010/11
• Analytical services
• Consumer
information
• Business
information
• Payment
experience pool
For the seventh time in succession, credit
2,027
insurer Euler Hermes awarded KG EOS
2009/10
183,653
55,163
Risk
information
Serving clients
Securing cash
Holding GmbH & Co an ‘A’ rating for its
35,220 39,185 815
high earning power and capital structure.
EOS Consolidated: Sales development by region in thousand EUR
Payment
services
5,545
5,160
‘Bosnia and Herzegovina, the Ukraine and China –
in 2010/11 EOS once again expanded into some
strategically important markets.’
Hans-Werner Scherer, Chairman of the EOS Group’s Board of Directors
Quality reaps rewards
The EOS Group sets itself high standards. More and more EOS subsidiaries are applying to have their companies and processes certified.
370.9
314.0
10
The companies
in the EOS Group
have been
operating internationally under
the EOS brand
for ten years.
• Electronic
payment control
• Processing payments
• Integrated fraud protection
2,806
2,674
Receivables
management
• Arrears
management
• Arrears billing
• Finetrading
• Factoring
• Debt purchase
• Debt collection
• Recovery service
• Realization of
securities
• Telephone training
107.9
782
EOS modules
887
The services of the EOS Group are organized as four modules: marketing information,
13 12
GER
EU*
US
2009/10
Asia
Total
2010/11
EOS Consolidated: Workforce development
according to head count and region
As per 28.02.2011
*Rest of Europe
risk information, payment services and receivables management. Every EOS company is
a specialist in one or more of these modules, and clients can use the services individually
or in combination.
ithin the marketing information module, EOS experts find the right communica• W
tion channels for targeting potential customers.
OS clients make use of the business and consumer information services in the
• E
risk information module before signing agreements with customers, in order to
A focus on progress
• The payment services module enables EOS clients to offer their customers a
wide range of suitable payment methods whilst minimizing the risk of bad debts.
‘Our international growth strategy is bearing fruit:
• Receivables management is EOS’s core business. Services offered by EOS companies within this module include recovering unpaid receivables and purchasing
EOS Consolidated increased its turnover by 18.1 per cent
2009/10
in 2010/11 and its EBITDA by 21 per cent.’
2010/11
Global sales
EBITDA
Slovakia
Russia Germany
Hungary Romania
Serbia Ukraine
Bosnia and Herzegovina
Justus Hecking-Veltman, Member of the EOS
Group’s Board of Directors and CFO
receivables portfolios.
LLC EOS Ukraine
Credirec SAS
Employees: 28
Managing Director:
Aleksey Teslenko
Head office: Kiev
Employees: 240
Managing Director:
Nathalie Lameyre
Head office: Paris
France United Kingdom
Czech Republic Croatia
Greece Switzerland Poland
Macedonia/FYROM China Spain
Bulgaria Austria
Brazil Netherlands Slovenia
1,840
1,691
minimize the risk of bad debts.
89.1
EOS
USA Belgium
Ukraine*
france*
China*
EOS CreditCN Credit
Management (Beijing) Ltd.
Employees: 25
General Manager:
Kuiyuan Li
Head office: Beijing
Bosnia and
Herzegovina*
EOS Matrix DOO
Employees: 8
Managing Director:
Mirjana Vuković
Head office: Sarajevo
Brazil*
Hoepers Recuperadora
de Crédito S. A.
Employees: 2500
Managing Director:
Manfredo Hoepers
Head office:
Porto Alegre
EOS worldwide
EOS in america
EOS in germany
RatePAY GmbH
EOS Matrix DOO (Bosnia and Herzegovina)
Collecto, Inc., known as EOS CCA (USA)
BÜRGEL Wirtschaftsinformationen GmbH & Co. KG
Schober Direct Media GmbH + Co. KG
EOS Matrix DOO (Bulgaria)
Hoepers Recuperadora de Crédito S. A. (Brazil)
Coxulto Marketing Solutions GmbH
WCF Finetrading GmbH
EOS Matrix DOO (Croatia)
EOS DID – EOS Deutscher Inkasso-Dienst GmbH
xplosion interactive GmbH
EOS Matrix DOO (Macedonia/FYROM)
EOS in Western Europe
EOS Deutschland GmbH
Credirec SAS (France)
EOS Field Services GmbH
EOS in eastern europe
EOS Matrix S.A. (Greece)
EOS Aremas Belgium SA/NV (Belgium)
EOS Health Honorarmanagement AG
EOS Faktor Magyarország Zrt. (Hungary)
LLC EOS (Russia)
EOS Nederland B.V. (Netherlands)
EOS Immobilienworkout GmbH
EOS KSI Magyarország Inkasszó Kft. (Hungary)
LLC EOS Finance Ukraine (Ukraine)
EOS ÖID Inkasso-Dienst Ges.m.b.H. (Austria)
EOS Information Services GmbH
EOS Finance IFN S.A. (Romania)
LLC EOS Ukraine (Ukraine)
EOS Schweiz AG (Switzerland)
EOS KSI Inkasso Deutschland GmbH
EOS Investment Poland GmbH (Poland)
EOS Solutions UK Plc (United Kingdom)
EOS mercator inkasso GmbH
EOS KSI România S.R.L. (Romania)
EOS in Asia
EOS Spain, S. L. (Spain)
EOS Payment Solutions GmbH
EOS KSI Česká republika s.r.o. (Czech Republic)
EOS CreditCN Credit Management (Beijing) Ltd. (China)
Zahnärztekasse AG (Switzerland)
EOS Serviceline GmbH
EOS KSI upravljanje terjatev d.o.o. (Slovenia)
EOS Hong Kong Ltd. (China)
EOS SID Süddeutscher Inkasso-Dienst GmbH
EOS KSI Polska Spółka z o.o. (Poland)
EOS VIK – EOS Verlegerinkasso GmbH
EOS KSI Slovensko, s.r.o. (Slovakia)
EOS Consolidated: Sales development in million EUR
*EOS market entries in recent months, as at 01.07. 2011
EOS Matrix DOO (Serbia)
EOS business model
EOS at a glance
• Data generation
West.
Europe
Germany
East.
Europe
US
Asia
196,036
64,926
58,446
49,464
Marketing
information
2010/11
• Consumer
information
• Business
information
• Payment
experience pool
2,027
2009/10
183,653
55,163
Risk
information
Serving clients
Securing cash
35,220 39,185 815
Payment
services
5,545
5,160
370.9
314.0
10
The companies
in the EOS Group
have been
the EOS brand
for ten years.
• Electronic
payment control
2,806
2,674
Receivables
management
• Arrears
management
• Arrears billing
• Finetrading
• Factoring
• Debt purchase
• Debt collection
• Realization of
securities
107.9
782
EOS modules
887
13 12
GER
EU*
US
2009/10
Asia
Total
2010/11
As per 28.02.2011
*Rest of Europe
or in combination.
• E
A focus on progress
2009/10
2010/11
Global sales
EBITDA
Slovakia
Russia Germany
Hungary Romania
Serbia Ukraine
LLC EOS Ukraine
Credirec SAS
Employees: 28
Managing Director:
Aleksey Teslenko
Head office: Kiev
Employees: 240
Managing Director:
Nathalie Lameyre
Head office: Paris
Bulgaria Austria
1,840
1,691
89.1
EOS
USA Belgium
Ukraine*
france*
China*
EOS CreditCN Credit
Employees: 25
General Manager:
Kuiyuan Li
Bosnia and
Herzegovina*
EOS Matrix DOO
Employees: 8
Managing Director:
Mirjana Vuković
Brazil*
de Crédito S. A.
Employees: 2500
Managing Director:
Manfredo Hoepers
Head office:
Porto Alegre
EOS worldwide
EOS in america
EOS in germany
RatePAY GmbH
LLC EOS (Russia)
EOS in Asia
4 editorial
A day at EOS
Dear readers,
Establishing the EOS brand back in the year 2000 presented our
Group with the unique opportunity to make a fresh start. Decades
of professional experience of several subsidiaries were combined
with the eagerness of the new companies. An enterprise emerged
that was capable of becoming something new and stronger.
The Board of Directors took the opportunity as a mission and
reflected on the factors that would contribute to EOS’ long-term
success. Obviously, the company had to be efficient. Clearly defined
key performance indicators provide us with evidence of how well we
understand our business.
But for the Board, seeing the positive figures EOS generates,
never gave reason to lean back in complacency. We continually
keep analyzing the factors crucial for us to achieve good results.
This always brings us back to the core of the EOS Group: our
employees. It is the way we interact with each other and how we
work that makes us successful. EOS works with head and heart in
equal measure. This basically rather ordinary insight is nevertheless
so important to us that we have made it our claim. ‘EOS. With head
and heart in finance’ – no success without the head, no success
without the heart.
It was for this reason, dear readers, that we have decided – on
the occasion of the 10th anniversary of our still young EOS brand –
to present more of ourselves than usual in our annual report.
Accompany EOS on a day at work. We’ve been looking over the
shoulders of staff all around the world in order to focus clearly on
our greatest success factor. Our employees bring our work forward
on your behalf every single day. Therefore, they deserve sincere
thanks for the 10-year success story of EOS, which we hope will
continue for many years to come.
I hope you enjoy reading our Insights and that you gain an even
clearer view of EOS.
Sincerely yours,
Hans-Werner Scherer
Dr Andreas Witzig
Chairman of the EOS Group’s Board
of Directors
Member of the EOS Group’s Board
of Directors and Head of the Western Europe Business Unit
a day at eos 5
Justus Hecking-Veltman
Paul Leary, Sr.
Klaus Engberding
Christos Savvides
of Directors and Chief Financial
Officer
of Directors and Head of the US
Business Unit
of Directors and Head of the
German Business Unit
of Directors and Head of the Eastern
Europe Business Unit
6 eos field services
7.53 a.m.
Anke Schürmann: Fervent about Field Services
A DAY AT EOS 7
‘Work in the fields’ with head and heart
Every day over 200 field services employees
‘Our core business is financial services that boost
are out and about for EOS getting client’s
sales of new Fiat, Lancia and Alfa Romeo cars.
contracts back on track – for example those
We also develop financing options for the brand-
of the Fiat Bank.
independent selling of second-hand automo
The ‘field worker’ Anke Schürmann has been
biles.’ He adds: ‘With respect to debt collection
travelling throughout Germany for EOS Field
in the field and the recovery of vehicles, we prefer
Services GmbH for six years. Every day her work
to rely on experienced specialists. The advantage
takes her to a different point on the compass.
of this procedure is its cost-efficiency, because
She travels over 50,000 km per year by car; work
we can place assignments according to the
without a cell phone would be unthinkable. Her
situation.’
goal: to collect delinquent leasing or loan payments from defaulting customers.
Leasing to accelerate sales
‘The best assignments are those that show
Most cars out on German roads today are not
up in my activity report at the end of the week,’
fully paid off. About two thirds of all new cars are
says the likeable Schürmann as she explains what
purchased on credit or leased, and even second-
drives her. The fact that she and her colleagues
hand car sales involve cash deals less frequent-
achieve a high rate of success is not least due to
ly these days. That is why individual financing
her professionalism; which is what distinguishes
options are important to traders for accelerating
the 200-plus colleagues employed at EOS Field
sales. Of the 290,000 or so orders that EOS Field
Services. ‘We work consistently at getting our
customers’ contracts up and running again.’
In meetings with debtors it’s important to
establish trust. ‘If we succeed in motivating the
person to work with us, we can generally devel
op good solutions. We see ourselves as companions rather than debt counsellors,’ says the
50-year old, who carries out assignments for Fiat
Established in 1929, the Fiat Bank has been operating as a
Bank, among others. For over 15 years, the bank
subsidiary of the FGA Bank Germany GmbH since 2009. The
has counted on EOS Field Services to handle
service provider offers a large number of financing and
contracts that have ground to a halt. Manfred
leasing options to the traders and customers of all makes
Schmidbauer, Head of Receivables Management
from the Fiat Group. Department at Fiat Bank, talks about the reasons:
www.fiatbank.de
8 eos field services
A DAY AT EOS
Knowledge of human nature
is required: tact and a clear
strategy often bring the
desired success when staff
come face to face with customers.
Services handles every year, about 40,000 are
and his dog return from their walk. One talks. It is
attributable to lease arrangements.
the combination of head, heart and a clear strat
egy that leads the EOS employee to success.
High recovery ratios
Thirty minutes later she’s back in her car – with
It’s 8.42 a.m. Anke Schürmann rings unan-
a new entry for her activity report. Schmidbauer
nounced at the door of a defaulting customer.
is also happy about the positive outcome: ‘EOS’s
There’s not a sound to be heard. But the Field
recovery rates are high and usually result in solid
Services employee does not give up easily.
long-term compliance with the contract.’
She decides to take a closer look at the creditfinanced Fiat in front of the house. A glance in-
Quick communication
side the car at a leash reveals that the man has
Equipped with a notebook and modern software,
a dog. ‘Let’s wait,’ she says firmly. Her patience
Anke Schürmann records the results of her work
is rewarded just ten minutes later – the debtor
in the field. ‘Thanks to my mobile internet connection, I can connect quickly with the back-office
team. Data must always be up to date to prevent
hiccups in communication between the customer
and our back office,’ explains Ms Schürmann,
who keeps in close contact with her colleagues
back at base. The 33-strong team takes care of
any necessary research or checks bank account
statements for the workers out in the field. ‘This
is important when we plan our schedules so that
we can avoid unnecessary visits in the interests
of everyone involved,’ says Ms Schürmann, whose
day is drawing to a close having made 12 visits
and covered 400 km.
The next morning, after checking lists of ac-
count balances and making several phone calls,
it’s time get back out in the field.
 www.eos-fieldservices.com
Mobile office: After each visit the results are recorded and sent to the back office.

a day at eos Combined Studies 9
Twice as
good!
9.30 a.m.
From 1 October 2011, EOS will be offering a
combined study programme in cooperation with
the Hamburg School of Business Administration
(HSBA). We talked to Ulrike Fischer from Corporate
Human Resources at EOS, who is Head of Training,
and Dr Uve Samuels, Executive Vice President of
HSBA.
About ten school leavers start their vocation
al training at EOS each year, and EOS also
provides funding for university graduates un
Ulrike Fischer (EOS) and Dr Uve Samuels (HSBA) are satisfied:
der a trainee programme. So why this com
through a joint effort new training positions are being created
bined study programme now?
Ms Fischer: Because today’s school leavers have
higher expectations of their training companies.
We want to attract the best school leavers to EOS
– and so we need to offer them a good incentive.
What makes EOS and HSBA a good team?
Dr Samuels: We feel it’s important to work with
to apply. In particular, we expect students to be
exciting companies: EOS is a very successful,
good at Mathematics, German and English. We
internationally renowned company.
don’t do this to annoy anyone, we simply want to
Ms Fischer: And we wanted to work with a part-
protect the people involved. It’s important to en-
ner who fits our international focus. One major
sure a common basis, so that we can maintain a
aspect is that Carsten Dudas, Head of Corporate
good pace. And, in fact, it pays off: 97 per cent
Human Resources at EOS, teaches at HSBA. He is
of all students conclude their course within the
enthusiastic about the capabilities of its students!
normal period.
What’s the general structure of the programme?
And who will be the new EOS employees?
Dr Samuels: Students on a three-year course in
Ms Fischer: During the first year we’ll be sending
Business Administration alternate between the
two students, a young woman and a young man,
ory modules at our college and several months of
to HSBA – and we’re already excited about our
practical modules at training companies. The major
subjects we offer include financial management,
sales, marketing and HR management. Finally
each student writes a dissertation and receives
a Bachelor or Arts.
What are the requirements for applicants?
Dr Samuels: School leavers with excellent or
good university entrance qualifications are invited
Founded in 2004:
HSBA offers international
study programmes and
research.
new colleagues!
 www.eos-solutions.com

10 New markets
10.05 a.m.
New EOS offices in Bosnia and herzegovina: Managing Director
Mirjana Vuković with analyst Zoran Trpkov
Sailing into the sun
‘Off to explore new shores’ has been the EOS
Eleven years later and the Group is now busy
Group’s motto for the past few years: this
establishing its Bosnian subsidiary in the sixth
year too, new havens in Bosnia and Herzegovina,
Balkan state. ‘There’s a lot of demand,’ explains
Ukraine and China are just some of the entries
Managing Director Mirjana Vuković. ‘Ten per cent
appearing in the company’s log book.
of all loans here are in default.’ Yet loans contrib
When they hoist the sail and set course for new lands,
ute greatly to the development of the Bosnian
sailors know they are voyaging into the unknown.
economy, which is still recovering from the adverse
When a company heads for new shores, it will have
effects of the Bosnian War.
a well-prepared boat and a skilled and practiced
crew to hand. This was the case, for example, when
World Bank Group enters into collaboration
EOS set off for the Balkans. ‘Shortly after the turn of
with EOS
the millennium we opened a small office in Slovenia,’
It is estimated that overdue loans in Russia amount
remembers Hans-Werner Scherer, Chairman of the
to some USD 50 billion. LLC EOS specializes in
EOS Group’s Board of Directors.
collecting these debts. The Russian company
a day at eos
Brief consultation: to develop new client relations the Bosnian
team analyzes data in regular morning meetings.
City on the Dnepr: EOS opens new subsidiary in the Ukrainian capital Kiev,
in December 2010.
benefits from the cooperation between the EOS
Group and International Finance Corporation (IFC),
a member of the World Bank Group. In December
2010, EOS and IFC invested jointly in a package
of defaulted bank loans in Russia, which LLC EOS
is processing locally. Further options are currently
being examined.
The backdrop to this joint investment is a part-
‘Each new EOS location
opens up new perspectives,
both financially and
culturally.’
Hans-Werner Scherer, Chairman of the
nership, concluded in June 2010, between EOS and
EOS Group’s Board of Directors
IFC for the purpose of tackling the overdue loans in
Eastern Europe and Central Asia. ‘Nonperforming
loans hinder post-crisis recovery of the banking sys-
reports Christos Savvides, Member of the EOS
tem,’ explains Snezana Stoiljkovic, IFC Director for
Group’s Board of Directors and Head of the
Eastern Europe and Central Asia. ‘We help banks
Eastern Europe Business Unit.
get rid of these assets and release funds to expand
lending to companies and private customers.’
Basing its approach on the successful Rus
sian model, the Ukrainian company initially started
In the context of their collaboration, EOS and
operations with a crew of 15. Now a team of 25,
IFC are making up to USD 100 million available
they collect overdue invoices in writing, by tele-
for purchasing defaulting debts at a nominal value
phone and by text message. Managing Director
of up to USD 2 billion over a period of three years.
Aleksey Teslenko and his team are benefiting
The measures will initially focus on Russia.
from the good relationships established by their
colleagues in eastern Europe in the field of cus-
High service quality in Ukraine
tomer acquisition: Mr Teslenko is currently review-
The developments taking place at LLC EOS
ing a cooperation deal with a bank that operates in
prompted the Group to set sail for the neighbour
other countries. ‘Internationally active companies
ing country in December 2010 and found LLC
are looking for partners – such as EOS – who
EOS Ukraine. ‘We compared the situation in the
offer top-class service quality, protect the client’s
two countries and prepared a realistic scenario
reputation and don’t forget to keep the defaulting
for market entry and development in the region,’
customer satisfied,’ explains Mr Savvides.
11
12 New markets
a day at eos
IFC, a member of the World Bank Group, is the largest global
development institution focused on the private sector in
developing countries.
www.IFC.org
Consulting Ltd. It was agreed to establish EOS
CreditCN Credit Management (Beijing) Ltd. in
Beijing. EOS holds 51 per cent of the shares in the
company, which offers receivables management
and consulting services to clients catering to both
business and private customers (see page 14).
EOS will stay on course to faraway shores –
A reliable procedure for collecting debts is required
but not simply to maximize profits and increase
in all countries if clients are to be convinced. One
the Group’s financial strength. Captain Scherer
of the reasons: in Ukraine, the competition never
gives an additional reason: ‘It is an enriching expe-
sleeps. Mr Teslenko was confronted with 40
rience to work with people from different cultures.
competitors when he started the company. Yet
I’m convinced that the EOS Group also benefits
the outlook in Ukraine is still promising. ‘Of all the
culturally from each and every acquisition.’ loans in Ukraine, which total around USD 24 billion,
 www.eos-matrix.ba
almost 30 per cent are non-performing,’ declares
 www.eos-solutions.ru
Mr Savvides. At the beginning of May 2011, EOS
 www.eos-ukraine.com
expanded its range of services in Ukraine. The
 www.eos-creditcn.com
company was licensed to purchase debts.
Firmly on course to China
EOS navigated to a newly chartered Asian port
of call in mid-2010. The Group entered into a
strategic cooperation with CreditCN Business
10.3 per cent higher GDP in comparison to the previous year:
China is strategically an important market for EOS.
At the opening ceremony: General Manager of CreditCN, Jiaping Han.

a day at eos news 13
EOS world news
>>> More security in online
business – with RatePAY
The company RatePAY has been part of the EOS Group since
May 2010. Miriam Wohlfarth, Managing Director of RatePAY,
explains the business model: ‘We enable German online retailers to offer their customers the options of payment by in
stalments and purchase on account. We bear the default risk.’
RatePAY also handles the payment processing. 
 www.ratepay.de
>>> Pooled competence
In December 2010, BÜRGEL Wirtschaftsinformationen,
Euler Hermes and EOS launched DDMonitor. Credit agency and debt collection data plus information about payment
experiences from over 3.8 million debitors makes this one
of the biggest German commercial databases for use in the
business customer segment.
 www.eos-deutschland-b2b.de
>>> EOS KSI Slovakia sets up
debt collection association with
competitors
In October 2010, EOS KSI Slovakia, together with four other
internationally active collection firms, founded the Association
of Slovakian Debt Collection Companies (ASINS). The primary
aims of the association are to represent the companies’ interests
on the market and to promote the professionalization of the debt
collection industry in Slovakia. The President of the association
is Michal Šoltes, Managing Director of EOS KSI Slovakia.
 www.eos-ksi.sk


14 EOS CreditCN
12.15 p.m.
Midday in Beijing is time for ‘guanxi’: cultivating relationships is one of the Chinese
people’s most important cultural traits, both business-wise and privately
a day at eos 15
‘Guanxi’ in Beijing
Networking is extremely im
this Web hosting company and
portant in China. ‘Guanxi’,
provider of network-based
the Chinese word for rela
Web 2.0 solutions transferred
tionship, is the key that can
receivables to EOS CreditCN,
open a lot of doors during,
EOS’s Chinese subsidiary.
say, small talk at lunchtime
The company emerged in July
or in virtual interaction on the
internet.
In China, 34 per cent of the population
2010 from a strategic cooperation with CreditCN Business
Consulting Ltd. and thus managed to
is on the information superhighway. According to
win a very attractive client very soon after the con-
statistics from CNNIC (China Internet Network
tract was signed.
Information Center), China had a total of 457 million ‘internauts’ by the end of 2010. With more
Handling debtors with professionalism
than 100 million registered users and around 700
Last year Sohu.com generated total annual turnover
million daily hits, the internet pioneer Sohu.com
of over USD 6.1 billion. Rebecca Wang, Finance
ranks top among Chinese online service providers.
Manager at Sohu.com in Beijing, relies on the debt
Most Chinese people can no longer do without the
collection experts at EOS CreditCN to deal with
search machine ‘sogou’ – or ‘search dog’. It was
unpaid receivables and appreciates the benefits:
launched in 2004 and has a database of some
‘We don’t just gain from their high success rate.
10 billion internet pages. Other services provided
Even more important is the professionalism with
by the company include specialized Web portals
which defaulting customers are handled. This
for online games, property searches or route
is essential for the reputation of our company.’
planning, for example.
This is a point that Chong Tan, Sales Manager
The biggest Chinese online alumni club has
at EOS CreditCN likes to stress: ‘In China, as in
over 77 million registered users and maintains its
other countries, lack of knowledge and prejudice
contacts virtually via Sohu.com. In November 2010,
in relation to the debt collection business is wide
The mind map of EOS values: all
EOS companies have agreed to
follow a common code of conduct
which is explained to all employees
in a brand book.
16 EOS CreditCN
a day at eos
‘Thanks to EOS CreditCN, we
are now able to extend our
activities in Asia to mainland
China – an exciting task.’
tions. The first few months of cooperation with
the new partner were an inspiring time. ‘The
ceremonies to mark the contract-signing and the
start of the new business were unusually fes
tive for Europeans. More than 30 eminent guests
were invited to celebrate the launch,’ remembers
MONICA SAWHNEY, MANAGING DIRECTOR EOS INTERNATIONAL
Ms Sawhney.
spread. That is why we are focusing on raising
A strategically important step
awareness in order to build trust. In the medium
Since 2007, EOS has been represented in China
term we want EOS CreditCN to be the number
through a further subsidiary in Hong Kong. The
one.’
founding of EOS CreditCN was a strategically
important step in expanding its range of ser
A dialogue of equals
vices on this growing market. In CreditCN, EOS
Monica Sawhney is convinced that prospects in
has found its perfect partner: the company was
this relatively new market are good. As Managing
founded in 1987, has sound local knowledge of
Director of EOS International with responsibili-
the Chinese credit management sector and brings
ty for Asia, she has been involved in the young
plenty of ‘guanxi’ into the joint venture.
Sino-German cooperation in Beijing since the
 www.eos-creditcn.com
contract negotiations: ‘We define the strategic
direction and advance our business together.
As an EOS CreditCN board member, I’m there
on a regular basis. We’re also connected via
Skype several times a week for meetings,’ explains
Ms Sawhney, who has German and Asian roots
and a lot of experience in intercultural collabora-
Economic indicator: in 2010, Chinese industry had to
accommodate a 26 per cent increase in receivables.

a day at eos eos cross-border center 17
1.30 p.m.
Romina Rosiello and Rebecca Giesecke:
frequent visitors to the world’s airports
Across borders
The EOS Cross-border Center and the IT
remain in touch with their EOS partners locally,
platform ‘Global Collection’ guarantee inter
while all international debt collection cases are
national debt collection quality with mini
channelled through the platform. It is also a
mum effort for the client.
source for all country-specific information and
‘Passengers for the Lufthansa flight LH 3142
enables clients to review how the debt collection
to Milan are asked to proceed to gate A20 im-
process is progressing at all times. ‘If an EOS
mediately.’ Instead of taking a breather during
client from Germany has outstanding receivables
their lunch break, Rebecca Giesecke and Romina
in Italy, these are automatically forwarded via the
Rosiello from the EOS Cross-border Center are
platform to the appropriate local debt collection
checking in at the airport. They are about to spend
expert,’ explains Ms Rosiello, Product Manager
three days in Italy to meet up with a potential part-
International Sales. In line with the EOS motto
ner for EOS’s debt collection abroad.
‘think global, act local’, this expert is an EOS
International trade is booming. In 2009, glo-
company in the region. It can also be an external
bal turnover in export trade amounted to USD
partner in countries in which EOS does not yet
12,178 billion. This is around 65 per cent up on
operate.
2003. ‘But very few of these companies are fami-
In their search for business partners, the
Europe 41.2 %
liar with the payment mentalities and attitudes to
colleagues have collected over 30,000 air miles
CIS 3.7 %
debt collection of their foreign partners,’ says Ms
in recent months and become acquainted with
Giesecke. Since August 2010, she has managed
ten airports: ‘Our partners must abide with our
a team of five that has handled all cross border
quality criteria and comply with the EOS Code of
debt collection cases for EOS clients. EOS has
Conduct.’ To guarantee common standards, the
been providing debt collection services abroad
team attaches great importance to making per-
for its internationally-active clients for a number of
sonal contact with the partners and inspects their
years now. ‘But,’ says Ms Giesecke, ‘it was time to
processes and working methods on site – as they
improve this service for our clients.’
have just been doing in Italy.  www.eos-solutions.com
One platform for all

North America 13.2 %
Africa 3.2 %
Asia 29.4 %
Middle East 5.7 %
South and Central America 3.8 %
The new IT platform ‘Global Collection’ plays
a central role in the improvements. The clients
Share of world exports by region
18 EOS Payment Solutions
2.05 p.m.
After lunch: Bernd Schultze reads an e-book at Deutsche
Telekom’s own ‘Product Experience Center’
Gripping!
EOS Payment Solutions helps companies to
Germany. Apart from PagePlace, its services in
process the payments made through their
clude the Musicload, Gamesload, Softwareload
online portals and makes online shopping
and Videoload portals. It is a growing market:
secure for retailers and their customers.
songs, games, software, and films are not only
Have you ever had to make a rush to the
sold in shops, but are also increasingly available
station bookshop with your luggage just before
to download via the internet. Last year, for exam
your train was due to depart? No need, for there
ple, the number of music downloads in Germany
is a simpler way to get hold of the latest crime
rose to around 69 million according to Bitkom, the
thriller for your journey: by going to pageplace.de
Federal Association for Information Technology,
and visiting the PagePlace portal, Deutsche
Telecommunications and New Media.
Telekom’s online kiosk, which gives readers ac
cess anytime, anywhere to over 40,000 digital
Smooth processes
books, 50 newspapers and 450 magazines. Once
Customers pay for their downloads from Deutsche
you have purchased your book, it is loaded into a
Telekom either via a Telekom account or, increas
free PagePlace app from where it can be retriev
ingly, by credit card. ‘Credit card payment is the
ed effortlessly by using popular terminals such as
leading alternative to payment on account, with
smartphones, tablet PCs or laptops.
a share of 25 per cent of purchases,’ says Bernd
The digital kiosk is the latest digital service to
Schultze, Head of Financial Operations at Deutsche
be offered by Deutsche Telekom. The company
Telekom Products & Innovation. Deutsche
currently has a total of 19 online portals, mak
Telekom works with EOS subsidiary EOS Payment
ing it one of the biggest download providers in
Solutions GmbH to process these payments. The
a day at eos 19
solutions offered by the company are designed to
ensure that payment processing is trouble-free and
secure.
This is how it works: if customers want to pay
for a book on PagePlace using a credit card, they
must first register on the download portal. The
actual credit card data is transmitted to EOS in
an encrypted form. Its databases are certified un
der the international Payment Card Industry Data
Security Standard (PCI DSS), and therefore meet
the most stringent security requirements. This
means that Deutsche Telekom can offer its cus
tomers an extremely secure payment system.
Background monitoring identifies any irregulari
A control system installed on EOS’s servers
ties in payment behaviour. ‘If, say, someone were
checks the data in real time to see whether the
to download the same software 50 times in the
credit card really exists and whether funds are
space of an hour, that would lead us to suspect
available for the customer to pay the relevant
that he is not doing it for his own private use,’ ex
amount using this card. Only then can the prod
plains Michael Hülsiggensen, Managing Director
uct be downloaded. EOS Payment Solutions also
of EOS Payment Solutions. For this reason, EOS
supports the portal operator in combating credit
and Deutsche Telekom have set specific limits on
card fraud.
the number of downloads of each product that can
a day at eos
20 EOS Payment Solutions
Convenient: with PagePlace, the
reading material is downloaded
directly to the tablet.
‘With EOS Payment Solutions we
minimize the payment default risk
and provide our customers with
secure online shopping.’
Bernd Schultze, Head of Financial Operations, Deutsche Telekom
stresses Mr Schultze. Together they have been
continuously refining the credit card payment pro
cessing system and updating it to take account of
new developments, such as multichannel market
ing. ‘There is no longer a clear separation between
devices. In our business, mobile phones, normal
PCs and today’s television sets with set-top boxes
are increasingly merging into an overarching whole,’
be purchased. In addition, the operators set a max
explains Mr Schultze. The payment processes, too,
imum purchase total per day and per credit card.
must also work on all three types of devices.
EOS conducts these individual ‘limit checks’ on its
own computer system for each separate product.
Customers expect the user interface of the
payment systems to look the same and display
effectively in all contexts. This is technically chal
Product development partnership
lenging. ‘If you transfer a normal HTML page
EOS and Deutsche Telekom have been working
from a PC to a mobile phone it looks awful,’ says
together since the end of 2007 – ‘as partners,’
Mr Hülsiggensen.
Not only is there a growing number of distri
bution channels – the spectrum of products on
offer is also expanding constantly. What is more,
Deutsche Telekom is extending its download ser
vices to more and more countries. With all these
changes and adaptations, Deutsche Telekom and
EOS are in close and constant contact. ‘We pool
Deutsche Telekom is one of the world’s top integrated
our ideas, and EOS recognizes our needs and
telecommunications companies. Its Load family of online
knows the market. We don’t have to argue our
marketing platforms has now been joined by its online
case – we just work in tandem. Both sides benefit
kiosk PagePlace.
from that,’ says Mr Schultze. www.telekom.de
 www.eos-payment.com

a day at eos EOS Immobilienworkout 21
‘We want to grow in a healthy way.’
Jochen Prinz, MANAGING DIRECTOR EOS Immobilienworkout
Way out west
EOS Immobilienworkout takes off: the
receive ISO 9001:2008 certification and has
German-based provider in the field of hand-
recently been re-certified.
ling non-performing mortgages moved from
Kamp-Lintfort in the Lower Rhine region to
More satisfied clients
Duisburg and had itself certified.
‘This means that we have had our high quality stan
‘Way out west, where the sun gets dusty’ sings
dards assessed again by independent experts,’
Herbert Grönemeyer in ‘Bochum’, one of the big
explains Mr Prinz. ‘The certificate demonstrates to
gest-selling records in German-speaking coun
outside observers that we are gearing our processes
tries. In Duisburg, just 40 kilometres from Bochum,
to clients’ needs. And it gives us competitive advan
it certainly is sunny and it certainly isn’t dusty. On
tages.’ In the long term, however, he is certain that
a street called Sonnenwall (literally ‘sun wall’), 15
internal quality management (QM) will be the key
EOS Immobilienworkout GmbH staff have started
factor. ‘Its requirements alone ensure that we contin
work with vigour.
uously assess ourselves and improve,’ stresses
Jochen Prinz, Managing Director of EOS
Mr Prinz, backing up his argument with a real-life ex
Immobilienworkout, beams as he lists the ad
ample: ‘For the first time, we have bundled our forms
vantages of the company’s relocation from
online into a manual. In this way we can minimize
Kamp-Lintfort in the Lower Rhine region to the
errors and always remain up-to-date.’ His conclusion
corner between the Rhine and Ruhr rivers during
with regard to QM: ‘What’s established on a small
an afternoon meeting: ‘As one of the European
scale will still be going strong when it’s big!’
Capitals of Culture, Duisburg gained in signif
icance last year. We have an ICE railway station
Healthy growth
and are just 15 minutes away from Düsseldorf air
Continued growth remains the ultimate goal. This,
port.’ And what is more, all the teams now sit within
however, must be accompanied by continuity and
earshot and speaking distance of one another in
a firm intention to set oneself apart from black
the new, larger offices.This is a crucial success fac
sheep on the market. The final chapter is a long
tor, emphasizes Mr Prinz, because of the complex
way from being written. Especially on Sonnenwall
and sensitive nature of the business.
in Duisburg. 
 www.eos-immobilienworkout.com
Full service or modules
The experts have been evaluating and process
ing collectible loans secured by mortgage since
2006. They either purchase receivables port
folios or handle them by way of fiduciary collec
Certified: quality thanks to
client-friendly processes
tion. Clients can choose between a full-service
package and individual service modules. In Feb
ruary 2010, EOS Immobilienworkout, a mem
ber of the Federal Association of German Debt
Collection Companies (BDIU), became one of
the first German companies in the industry to
2.20 p.m.
22 eos call centre
3.16 p.m.
rudolf lange: in action for EOS
Empathy on call
Quality pays – especially for debt collec
payers to settle their debts. EOS Serviceline is
tion over the phone. The EOS call centres in
one of the very few call centres in Germany whose
Germany and the Czech Republic that special
aim is not to sell. Instead, it specializes in the
ize in this area are also acutely aware of this.
extremely data-sensitive area of debt collection
It’s afternoon at the Berlin call centre. The phones
by phone.
are running hot. But there’s not a hint of stress.
Since the summer of 2010, 24 agents at the
The atmosphere is friendly and relaxed. ‘A good
new location, in addition to 95 colleagues at the
environment makes it easier to be empathetic,’
subsidiary in nearby Potsdam, have been following
says Dr Petra Thiele, Managing Director of EOS
up on late payers via telephone. And numbers are
Serviceline GmbH. ‘Only agents who really listen
swelling as demand for this service grows. Staff at
to their callers achieve their goal.’ And everyone
EOS Serviceline negotiate payments for the total
knows what that goal is: to induce defaulting
sum or in the form of instalments and remind debt
ors about outstanding invoices. The EOS agents
make around eleven calls per hour. Each one re-
‘Our call centre employees
have to be flexible, alert and
excellent advisors.’
quiring sound specialist knowledge and tactical
skill. All agents go through a six-month training
programme before they start and have an experienced colleague at their side plus personal help
from the respective team leader.
Technology facilitating feedback
Technology also helps to improve quality and the
Dr Petra Thiele, Managing Director EOS Serviceline
success rate of calls. A software program, which
a day at eos
23
Satisfied
is also used very effectively by police and emergency services, records all the agents’ calls at the
Czech receivables management provider EOS KSI
Česká republika s.r.o. It evaluates conversations
according to their duration, specific keywords or
emotions and enables the team leader to pass on
highly individual feedback to the staff. ‘We don’t do
this to expose mistakes or put pressure on people.
This has more to do with learning from experience and being able to pinpoint what we could do
better,’ explains Ivan Fibír, Head of the Collection Department at EOS KSI. ‘We use the re-
Armed with ham and eggs was how a debtor recently wanted to thank EOS
corded dialogues as examples to demonstrate
KSI in Slovenia for their good cooperation. A German survey conducted in
when an agent has reacted particularly well and
March 2010 by the market research institute Ipsos, indicated that successful
to indicate where more responsiveness would
receivables management is not at the expense of the defaulting customers.
help.’
The survey questioned 400 customers of EOS Deutschland B2B’s clients.
Ongoing training is the key
Debt collection by telephone is always going to
be a balancing act. The colleagues in the Czech
Republic are just as aware of this as their German
Unencumbered
relationships
counterparts. They must be sympathetic to the
Business relationships between
defaulting payer while at the same time repre-
EOS Deutschland B2B’s clients
senting the interests of the creditor. Above all,
and their customers are not im-
they always have to find a practical solution
paired at all by default actions –
that will enable the debtor to make a realistic
this was confirmed by almost half
payment. A high degree of concentration and
the people questioned.
No, not at all 49 %
Not particularly 12 %
Not sure 13 %
Does the business
relationship suffer?
To a considerable
extent 7 %
Yes, definitely 19 %
mental mobility are indispensable in this field.
At EOS Serviceline, in-house trainers therefore
provide all the employees with ongoing training,
Staff commended
teaching them how to negotiate difficult conver-
67 per cent of those interviewed rated the contact between defaulting
sations and preparing them for psychologically
challenging situations.
EOS Serviceline is putting the quality of its ser-
customers and EOS Deutschland B2B as ‘good’ or ‘excellent’.
Excellent
Good
Moderate
Poor/Bad
vices to the test this year and will be undergoing
a certification process by the German Technical
Control Board (TÜV) which will involve regular
21 %
46 %
27 %
auditing. This will motivate the telephone teams
and set a positive signal for further expansion of
 www.eos-serviceline.com
The situation is
stabilising
 www.eos-ksi.cz
Following the default action, the
the conveniently located Berlin office.

economic situation of 90 per cent
4 % 3 %
Improved 29 %
Tended to improve 32 %
Unchanged 29 %
of the people surveyed improved
Got worse 5 %
or remained unchanged.
No answer 5 %
24 eos cca
3.48 p.m.
ramona hernandez visits a client: True North has staff who work
on-site in the accounts departments of hospitals
EOS CCA’s acquisition of True North AR
extends its healthcare solutions reach to
the West Coast.
When Paul Leary, Jr. wants to invite a colleague to
a telephone conference at 4 p.m., he checks the
An eye on all
time zones
location of that colleague first.
Based in EOS CCA’s Norwell, Massachusetts
corporate office on the East Coast of the U.S.,
Mr. Leary, Jr. has to consider the time zone in
which that colleague is located. ‘EOS CCA has
ten business locations in the continental USA
across four separate time zones,’ reports the CEO
of EOS CCA. ‘If several people from different time
zones have to take part in a telephone conference,
finding the right time to hold it can be a bit chal
a day at eos 25
lenging – but so far we’ve always picked up the
healthcare sector, offering an array of billing and
phone at the same time.’
collection solutions. It also provides debt collection
Since it was founded in 1991, EOS CCA has
services to public authorities and other sectors.
continued to grow to become one of the largest
accounts receivable outsource firms in the Unit
Experts on the healthcare market
ed States. The company now serves over 2000
True North’s healthcare business is handled by
clients through five distinct divisions: Communica
three offices including the headquarters near
tions, Education, Financial Services, Government
San Francisco. The company assists hospitals
and Healthcare. A sophisticated central data and
in getting their bills paid by patients, insurance
telephony network provides the infrastructure to
companies, employers, and federal and state
support the divisions across all US time zones.
governments.
Last year, EOS CCA extended its reach to the
‘Our clients are over 60 hospitals in California,
West Coast when it acquired the Californian com
Hawaii and other Western States, which include
pany True North AR, LLC and its three subsidiaries.
many of the largest US hospital systems,’ says
True North, established in 1968, focuses on the
Manoj Sharma, President of True North.
26 eos cca
a day at eos
Goal-oriented communication: the team approaches defaulting
customers by phone, email, letter, and soon by text message.
Incentive: the goals of each receivables contract are clearly visible in
front of the staff at all times.
‘True North has made a significant impact in
Education (ED) entrusted EOS with the collection
improving patient cash collections, increasing
of outstanding payments from student loans. In
cash collections by 150 percent over the last two
2009, it renewed the ED Contract. ‘Loans for tui
years and reducing Patient Days Receivables
tion and fees enable many young people to improve
while maintaining high levels of patient satis
their career opportunities with a college degree. If
faction for our hospital,’ says Ken Kedziorek,
the system is to continue, it is important to make
Executive Director of Revenue Cycle Operations
sure that the loan repayments are made on time,’
at Marina del Rey Hospital.
explains Mr. Leary, Jr.
U.S. Department of Education Renews Contract
gets involved and offers several repayment
In addition to its acquisition of True North, EOS
options to borrowers. ‘The Student Loan Reform
CCA chalked up another achievement during the
Law includes provisions that shift the loan origi
last fiscal year. In 2004, the US Department of
nation process from the private sector to the fed
If repayments are not made on time, EOS CCA
eral government and this will increase the volume
of loans requiring resolution by EOS CCA. This
division has enormous potential and we are happy
that the Department of Education has renewed
our contract.’
P
P
California P
Illinois P
New York P
P
PP
Massachusetts
Colorado P
Mission accomplished
The years to come promise to be as eventful as
EOS CCA’s 2010/11 fiscal year. But there is
one thing Mr. Leary, Jr. can be sure of: he won’t
have to take yet another time zone into conside-
P Texas
EOS CCA offers receivables management solutions to more
than 2000 clients. Over 1000 employees provide services and
deal with clients’ concerns at ten locations. The Californiabased company True North AR was acquired in 2010.
ration when scheduling meetings.  www.eos-cca.com

a day at eos news 27
EOS world news
>>> A strong brand
Reliable, rational, flexible and modern is how the EOS brand is
perceived on the market. This positive image distinguishes the
still young brand from its competitors, many of which have an
arrogant or non-transparent image. This is the result of a survey
conducted by EOS and TNS Infratest in March 2010. 
 www.eos-solutions.com
>>> Two become one
Since February 2011, the Spanish company EOS
Acción de Cobro España has operated under the
name of EOS Spain. The companies EOS Field
Services and EOS Acción de Cobro España had
already merged earlier, in December 2010. EOS
Spain has subsidiaries in A Coruña (head office),
Madrid and Barcelona.

 www.eos-spain.es
>>> Heading for the top together
EOS Debita was incorporated into EOS Schweiz on 1 March 2011. This concludes the process of
standardizing EOS’s brand identity in Switzerland. EOS Schweiz is headed by Rolf Steenbock.
 www.eos-schweiz.com

28 Social Media
Like! EOS is now
using social media
76 per cent of internet users actively use
social networking sites. EOS, too, deploys
modern communication channels to promote
an interactive exchange of information.
A conversation with colleagues over a quick
coffee or a browse through the staff newspaper –
there are many different channels of communica
tion at EOS. And the same applies to the exchange
of information with external target groups. During
the last financial year, a number of projects were
initiated with the aim of bringing people closer
together.
‘Facebook, Twitter & Co. have redefined the
basic tools of communication. We are more involv
ed in dialogue with our target groups. It will be
interesting to see how this develops,’ says Lara
Flemming, Head of Corporate Communications &
Marketing at EOS. ‘Knowing how to deal with social
media platforms is quite a challenge, particularly in
B2B – this is relatively unknown territory.’
To learn more about the new environment,
EOS carried out a social media test phase during
the last year. ‘We wanted to find out which chan
nels and platforms are relevant to EOS,’ explains
Berit Ewald, Senior Public Relations Consultant at
EOS. Professional social media monitoring helps
during the analytical process: The net is trawled
every day for posts about the EOS Group. ‘This
keeps us up to date and we find out which issues
our target groups are concerned about,’ says
Ms Ewald’s colleague Maja Alfke.
Facebook: www.eos-solutions.com/facebook-eosgroup
Using Facebook, Twitter & Co. intelligently
Twitter: www.eos-solutions.com/twitter-eosgroup
Various committees have been discussing needs,
Xing: www.eos-solutions.com/xing
objectives and ways to fulfil them. The subject of
LinkedIn: www.eos-solutions.com/linkedin
crisis prevention was a particular issue. ‘We don’t
just want to jump onto the social media bandwagon,’
a day at eos 29
4.58 p.m.
At work: Maja Alfke and Berit Ewald
says Ms Flemming. ‘We want to be part of an online
developments in everyday operations and give a per
communication system that makes sense for EOS.’
sonal perspective on issues. The important thing for
the two managers is to be involved in two-way com
A direct line to employees
munications. ‘We explicitly welcome comments,’ con
The company also wants to use the principles of social
firms Mr Borgartz, the new blogger on the scene.
networking to improve in-house communication. At
Over 400 employees have subscribed to the blog
the beginning of 2011, the Managing Directors of
and staff have already commented on a number of
EOS Deutschland B2C, Jürgen Borgartz and
news items. ‘Having a direct line to the management
Andreas Kropp, launched their blog on the German
is a little unfamiliar at first,’ says Ms Flemming. ‘But
intranet. They inform employees about the latest
I’m sure people will gain confidence in time.’

30 10 years of EOS
8.00 p.m.
Glückwunsch, Congratulations,
Gelukwensen, Gratulacje!
In 1974, the arrears billing and legal department of the company Otto Versand was turned
into a financial services company for receivables management. Operating today under the
name of EOS, it is one of the most successful
international providers. A reason to celebrate!
‘Land, ho!’ is the call from the decks of the boat
as the crew stands and gazes in suspense at the
unknown territory looming up on the horizon. What
sounds and looks like a journey full of adventure
is the first company musical in EOS history, performed by 14 members of staff. According to the
a day at eos 31
motto ‘Off to explore new shores’, the successful de-
support clients with services catering to the money
velopment of the Group was celebrated with a staff
flow in their companies.
party at its home port in Hamburg. ‘We have come a
long way to conclude the past financial year with the
From the arrears billing department to the
best operating result ever since the Company was
umbrella brand EOS
founded. A magnificent success,’ said Hans-Werner
Growth that no one could envisage in 1974: at
Scherer, thanking the 1300 employees from all over
that time Otto Versand detaches the receivables
Germany who attended the event. He has been the
management from its arrears billing and legal
Chairman of the Board of Directors since 2003 and
department. With a nationwide field team and
is thus also captain of the Group. The success of the
another specialized in debt collection by phone,
Company is multi-faceted. In over 20 countries, more
the newly founded debt collection provider
than 8000 (status 01.07.2011) employees today
Mercator-Inkasso GmbH & Co KG, renamed in
32 10 years of EOS
In costume: captains, pirates
and mermaids all followed the
maritime motto of the staff
event – also CEO Hans-Werner
Scherer.
1975 to Deutscher Inkasso-Dienst, DID for short,
Other additions include Schweizer Zahnärztekasse
soon becomes the market leader in Germany. In
AG, Verleger-Inkasso-Stelle Wallstab, a stake in
response to the increasing number of enquiries for
Bürgel-Wirtschaftsinformationen, and mercator
support from international clients, DID cautiously
inkasso. This is followed by the acquisition of
sails to the first ports abroad and drops anchor
Kasolvenzia in Bad Rappenau in 1999, and with
in the 1980s, first in the Netherlands and then in
that, Kasolvenzia’s five branch offices in Eastern
Switzerland. Here DID collaborates with local spe-
Europe. By the turn of the millennium, DID has
cialists to ensure that the needs of the market are
17 companies under its belt, thus making it one
catered to correctly.
of Europe’s leading financial services providers.
In addition, the Company starts buying recei-
The umbrella brand EOS was about to emerge.
vables portfolios. In the early 1990s, the course
To ensure that the clients realize at first sight that
of expansion picks up speed: Österreichischer
the individual companies are all part of a strong
Inkasso-Dienst (ÖID) is founded in Vienna and
network, a uniform name was needed. Therefore,
DID takes over the Logic Group in Great Britain.
EOS was chosen. Hans-Werner Scherer feels that
EOS Chronicle:
the book on the ten-year
history of the EOS brand
Issued in 19 languages:
the EOS Brand Book
communicates the
Group’s values, identity
and brand claim
in retrospect it was a stroke of genius: ‘The name’s
corporate strategy,’ says Mr Scherer. Meanwhile
neutrality was the main advantage for us. We were
it is EOS’s 10th anniversary and more than 45
able to shape EOS with our own values and make it
companies now operate under the umbrella of
a synonym for quality. And we obviously did a pretty
the Group. Svetlana Goryunova, Marketing and
good job: whenever people in Europe talk about
Sales Manager at LLC EOS in Russia: ‘When co-
financial services, the name EOS is mentioned.’
operating with new clients, the EOS values have
a day at eos 33
opened doors in this sensitive industry. And these
With head and heart
values have had an equally positive effect on
Standardization of the brand identity began in
our day-to-day dealings with each other. That is
2004 and since then the red-grey EOS logo
why I am promoting these values in the way we
has become a symbol for quality and compe-
communicate with each other every day. How? I
tence through focus and understanding. ‘The
simply live them.’
EOS values are an important part of the way we
Having staff that identify with the principles and
see ourselves and form the foundations of our
values is the key to success, not least because this
Birthday music:
a CD featuring a No. 1
hit from each year of
EOS’s existence
EOS Code of Conduct:
corporate behaviour in
accordance with globally
binding rules of conduct
City sportster with the
EOS look: the practical
city car for short trips
34 10 years of EOS
a day at eos
canon of values accepts cultural differences and
integrates them into the corporate culture. Across
the oceans of the world, spanning Europe, the USA
and Asia, these values serve as a compass, in the
middle of which stand ‘focus’ and ‘understanding’.
They are encircled by the key attributes ‘openminded’, ‘versatile’, ‘determined’ and ‘reliable’. Since
2008, the Group has had a claim that hits the nail
on the head: ‘EOS. With head and heart in finance’.
Stephan Steinmetz, Managing Director of EOS ÖID
in Austria, knows why head and heart are so important. ‘As service providers in arrears management
and debt collection, we encounter clichés. The EOS
values signal: We assume responsibility for our
clients, the staff and debtors.’
Quality and perfect service
From companies listed on the stock exchange
to small and medium-sized enterprises, around
20,000 clients rely on the services of the EOS
Under the open sky: the EOS
crew danced on the decks of
the museum ship under the
night sky from 8 p.m. until the
early hours of the morning.
becoming increasingly difficult to maintain. For
us, it’s the people that make the difference. As a
Group. Operative excellence and perfect service
distinguishing feature, excellent, easily accessible
have top priority. Specialized know-how, clear-
customer services that provide fast solutions to
ly defined responsibilities and well-functioning
problems are essential.’
processes play an equally large role as the corresponding IT tools. Comprehensive quality ma-
Off to explore new shores
nagement supports the ‘learning organization’,
Alongside expansion as far as area is concerned
as the management likes to say, and promotes
EOS is continually testing new waters to extend
a process of continual improvement. Stephan
its range of products. The area of trade financing
Spieckermann, Managing Director of EOS
is an example. Since October 2009 EOS has had
Deutschland B2B in Bad Rappenau, Germany,
a majority holding in WCF Finetrading, putting the
explains the special role his staff play: ‘In times
company in the fortunate position of being able to
of rising pressure from competitors, the advan-
provide an innovative commodities purchase pre-
tage gained from providing innovative services is
financing service. Successful explorations such
as these are to take the Company into the future:
‘There will always be a ship that flies the EOS flag,
‘There will always be a ship
that flies the EOS flag, setting
off to explore new shores.’
setting off to explore new shores,’ Hans-Werner
Scherer is convinced. And as if to prove it, the
company celebrations took place in the port of
Hamburg, the third largest harbour in Europe.
1300 guests of the EOS staff event went on a
boat trip on the River Elbe and ended the day with
a wonderful party on board the biggest seaworthy museum freighter in the world, the Cap San
Hans-Werner Scherer, Chairman of the
EOS Group’s Board of Directors
Diego.  www.eos-solutions.com

development and figures 35
figures
Data
facts
2010/11
36
evelopment EOS Consolidated
D
continued with its international expansion,
establishing new companies in Bosnia and
Herzegovina, China and the Ukraine and
acquiring a company in the USA.
40FIGURES Carefully targeted investments
helped EOS Consolidated increase turnover
by 18.1 per cent in 2010/11.
36 development
Business
development
Asia 0.6 %
From the pleasing growth in German receivables management to the acquisition in the USA,
2010/11 was a successful year for EOS Consolidated
Western
Europe 17.5 %
Turnover increases in all regions, but particularly in Eastern Europe, laid the foundations for gratifying
overall turnover growth in 2010/11. EOS Consolidated generated turnover of EUR 370.9 million, an
increase of 18.1 per cent over the previous year. Earnings before interest, taxes, depreciation and
US 13.3 %
Eastern
Europe 15.8 %
Germany 52.8 %
amortisation (EBITDA) were EUR 107.9 million, compared with EUR 89.1 million the previous year. In
addition, net profits for the year were EUR 63.9 million, compared with EUR 50.2 million the year before.
Germany remains the most important regional market for EOS Consolidated, accounting for 52.8 per cent
of turnover. The German economy picked up in 2010: GDP went up by 3.6 per cent, compared with a
drop of –4.7 per cent the previous year, and employment figures rose. As a result, EOS Consolidated’s
turnover in Germany rose 6.7 per cent to EUR 196.0 million.
This was due in large part to the growth momentum on the receivables management market, the impact
Consolidated sales
by region
of which was reflected in higher collection rates. EOS Health Honorarmanagement Aktiengesellschaft, the
EOS factoring expert for the healthcare industry, played an equally important role: the company was able
to acquire more new clients and increase its turnover by 31.1 per cent compared with the previous year.
In the field of risk and marketing information, the growth in turnover achieved by xplosion interactive
GmbH, the relatively new EOS company, which provides retargeting solutions, deserves a special men
tion. Overall, the 2010/11 financial year was dominated by investments in new business models in this
basel III
segment and in the payment services area.
The purpose of Basel III
is to make the financial
world more stable and
reliable
The international regulatory
standard Basel III places more
stringent demands on banks’
key stability indicators. This
response to the deficiencies
in Basel II that were revealed
by the global financial crisis is
scheduled for implementation
in a step-by-step process as
from 2013.
37
Recovery in Western Europe, mixed economic performance in Eastern Europe, moderate
growth in the USA and full employment in Hong Kong
Economic developments in almost all the western European countries where EOS has offices led to
economic recovery in the 2010/11 financial year. Although year-on-year unemployment rates remained
stable almost everywhere, GDP moved from negative to positive territory – except in Spain.
EOS Consolidated, too, registered growth in Western Europe as a result of good collection rates in
the debt purchase segment and the strategic further development of EOS Aremas Belgium SA/NV.
Even in Spain, where the effects of the financial crisis persisted, the EOS companies achieved positive
results. The company EOS Acción de Cobro España S.A., which was acquired in September 2009, was
successfully integrated into EOS Consolidated and merged with the debt collection company EOS
Field Services Spain. The company has operated under the name EOS Spain since 2011. Against this
backdrop, EOS Consolidated succeeded in increasing its turnover in the region by 17.7 per cent to
EUR 64.9 million.
Economic developments in Eastern Europe varied widely from country to country. The GDP in
Russia and Slovakia grew by 3.8 per cent and 4.0 per cent respectively in 2010, following negative
growth in the previous year. In contrast, Greece saw a further decline of 4.5 per cent. However,
with the exception of Russia and Macedonia, all countries in which EOS operates reported higher
unemployment figures.
Following the major challenges associated with the previous year’s financial crisis, the EOS compa
nies performed much better in Eastern Europe in 2010/11. Overall, EOS Consolidated saw its turnover
in the region go up by 65.9 per cent to EUR 58.4 million. This was due in large part to the EOS companies
in Romania, Slovakia and Russia.
The US economy reported moderate growth: GDP rose by 2.9 per cent compared with a drop of
–2.6 per cent the previous year, but unemployment worsened, rising to 9.6 per cent from 9.3 per cent
70 %
Striding confidently
60 %
into the future
50 %
74.3 per cent of European
40 %
companies are expecting their
30 %
customers’ payment behav
iour to either stay the same or
20 %
improve in the next two years.
10 %
This was one of the findings of
0 %
BE
BG
DE
GR
UK
PL
Improvement in payment behaviour
RO
RU
SK
ES
No change in payment behaviour
The proportion of companies expecting an improvement in payment behaviour over the next two years
and the proportion of companies expecting payment behaviour to stay the same.
the EOS Ten Nations Survey
2011 ‘European Payment
Practices’ conducted by Ipsos
and EOS in the spring of 2011.
eos survey
the previous year.
38 development
Panorama
From Belgium to
Hamburg
Welcome to EOS
Once a client, now an em
ployee: Peter Hemkentokrax
has known the EOS Group for
many years. As Managing
Director of Santander
Consumer Debit GmbH in
Mönchengladbach, Germany,
he worked together with
EOS until 30 June 2010. On
1 July 2010, Mr Hemkentokrax
switched to EOS and built up
the EOS Corporate Business
and Process Consulting unit
as its head.
1,167
On 1 September 2010,
Charles De Munter, former
Operations Manager at
Intrum Justitia in Belgium,
started in his new job as
Regional Director for France,
Belgium, the Netherlands and
Luxembourg. Mr De Munter
is responsible for the strate
gic development of EOS in
these countries.
Superior performance
The ‘Global HR Awards 2010’
ceremony was held in Decem
ber 2010 in Macedonia’s
capital, Skopje. Marina Sivakova
Taskov from EOS Matrix
Macedonia was awarded the
title ‘HR Manager of the Year’
by the trade journal ‘Global HR’.
Against this backdrop, EOS Consolidated’s turnover in the USA rose 26.2 per cent to EUR 49.5 million.
The positive performance of existing debt purchase operations played a key role in this growth, as did
the acquisition of True North AR, LLC, a company that provides cash flow solutions for the healthcare
sector as well as debt collection services. This acquisition continued EOS Consolidated’s successful
719
expansion programme on the West Coast.
There was almost no trace left of the financial crisis in Hong Kong. After falling 2.7 per cent the previous
year, GDP rose by 6.8 per cent in 2010 and the national statistics office reported full employment –
the country’s unemployment rate was just 3.8 per cent. Turnover generated by the Asian subsidiaries
259
67
East.
Europe
Ger
West.
Europe
of EOS Consolidated in 2010/11 amounted to EUR 2.0 million, compared with EUR 0.8 million the
122
US
previous year.
Total
Volume of debt purchases
by region in millions of euros
In the top three on all relevant markets and quality leader status – EOS Consolidated’s goals
for the future are clear
Experts are speculating that compared with 2010, economic growth will lose a little of its momentum
over the next two years.
In respect of classical debt collection in Germany with its tight margins and aggressive pricing
environment, EOS Consolidated will be sticking to its strategy of focusing on quality and sustainability.
The intense competition will maintain the pressure on profit margins in Western Europe. Nevertheless,
EOS Consolidated still has promising plans for further growth – including the expansion of its third-party
business in Belgium and its market position in Switzerland. At the same time, it intends to optimize its
processes in the UK and explore further options in the region following its successful acquisition in France.
As far as Eastern Europe is concerned, EOS Consolidated is expecting the overall earnings situ
ation to improve. EOS plans to expand its debt purchase operations prudently and continually assess
opportunities for entering new markets. With this in mind, and with an initial focus on Russia, EOS
Consolidated entered into a partnership with International Finance Corporation (IFC), part of the World
39
On course
Five submissions for PR
competitions, three nomina
tions, two awards. These are
results to be proud of. Last
year, Health AG received the
European Change Communi
cations Award and the Econ
Award for its brand-oriented
organizational development
with the maritime title ‘KURS
2010’ (COURSE 2010).
Certified
Macedonian companies that
operate as service providers for
banks and work with the banks’
data have to be certified. This has
been stipulated by the country’s
national bank. EOS Matrix
Macedonia has now fulfilled this
requirement: at the beginning
of May 2010 the company was
awarded the ISO/IEC-20000
certificate. ‘We have adapted all
the technologies to the required
standard,’ explains Branislav
Bajlovski, IT Manager at EOS
Matrix Macedonia.
Bank Group, in mid-2010. EOS’s goal is to be represented on the most important fast-growing markets
of Eastern Europe. Worth mentioning in this regard is EOS Consolidated’s entry in the Ukrainian market
for fiduciary collection and debt purchase with TOV EOS Ukraine and the formation of a new company,
EOS Matrix in Bosnia and Herzegovina.
In addition, EOS is expecting its subsidiaries in the US to continue to maintain their market position.
EOS Consolidated plans to grow organically in the US market and to make balanced assessments of
any market opportunities in the debt purchase field.
The EOS company in Hong Kong is waiting to see what impact the disaster in Japan, Hong Kong’s
third largest trading partner, will have. EOS Consolidated expects to see growth in the area of B2B
debt collection as a result of EOS CreditCN, the joint venture it set up in mid-2010 in Beijing (China),
and in the factoring area thanks to its activities in Hong Kong. There are plans to offer more products,
such as B2C debt collection, on the Chinese market and to expand the selling of existing products
in the region.
EOS Consolidated remains on course for growth and is striving to attain or retain a position among
the top three providers in all relevant countries apart from the USA over the next few years. To do so,
it plans to move into other strategically important countries and to continue expanding its product
portfolio. The acquisition of the French firm Credirec SAS in April 2011 expanded EOS Consolidated’s
receivables management business in Europe shortly after the end of the 2010/11 business year. It
also entered the South American market after the conclusion of the reporting period, in June 2011, by
acquiring a 60 per cent stake in the Brazilian company Hoepers Recuperadora de Crédito S.A. Since
August 2010, the EOS Cross-border Center has been ensuring high standards in cross-border debt col
lection cases. And since the middle of 2010, EOS Corporate Business & Process Consulting has been
helping with the integration of new companies, finding solutions to operational problems on the ground
in conjunction with the local units and advancing the exchange of knowledge within the Group.
Reporting period: 01.03.2010–28.02.2011

Happy birthday:
EOS ÖID now 20 years old
Another anniversary: EOS ÖID
was founded in 1990 in Vienna
and today employs a staff of 48.
The arrears management and
debt collection specialist over
sees receivables amounting to
more than EUR 4 billion.
40 figures
Pleasing rise in turnover to EUR 370.9 million
Earnings before tax up by 24.7 per cent
EOS Consolidated
in figures
Making the most of the partial recovery following the financial crisis, EOS Consolidated made carefully
targeted investments in growth: turnover for the 2010/11 financial year rose by 18.1 per cent to EUR
370.9 million. EOS Consolidated also purchased receivables packages with a nominal value of EUR
1166.9 million. This success was generated by 5545 employees (headcount) – the increase in staff
numbers led to a corresponding increase of EUR 22.2 million in personnel expenses at the end of the
financial year.
5,545
5,160
4,298
1,506
1,167
954
08
09
10
08
09
10
09
10
11
09
10
11
Volume of debt purchases
in millions of euros
Number of employees (heads)
as per 28.02.2011
41
Turnover by region
In Germany, EOS Consolidated increased its turnover by 6.7 per cent. This region was therefore once
again the most important, accounting for 52.8 per cent of total turnover. Growth was steep in Eastern
Europe, where turnover rose 65.9 per cent. This was due primarily to an expansion of activities in Russia.
2010/11
2009/10
Comparison with
previous year in %
% of sales
EUR (000)
EUR (000)
% of sales
Germany
+ 6.7
196,036
52.8
183,653
58.5
Western Europe
+17.7
64,926
17.5
55,163
17.5
Eastern Europe
+65.9
58,446
15.8
35,220
11.2
US
+26.2
49,464
13.3
39,185
12.5
Asia
>100
2,027
0.6
815
0.3
EOS Consolidated
+18.1
370,899
100.0
314,036 100.0
Profit and loss account (abbreviated version)
EOS Consolidated reported a 24.7 per cent increase in earnings before tax (EBT) in the 2010/11
financial year. This was due in large part to an 18.1 per cent rise in turnover. The increase in operating
expenses was small in relation to this growth, and as a result EBITDA increased by 21 per cent to
EUR 107.9 million, compared with EUR 89.1 million the previous year.
2010/11
2009/10
EUR (000)
EUR (000)
Sales
370,899
314,036
Total operating income
377,706
321,331
Earnings before interest, taxes, depreciation and amortization (EBITDA)
107,896
89,140
Earnings before tax (EBT)
76,753
61,549
Profit for the year
63,906
50,233
42 figures
Assets position
Mainly as a result of more restrained investment in debt purchase, the EOS Consolidated increased
its total assets in 2010/11 by a mere 0.4 per cent to EUR 752.0 million.
28.02.2011
EUR (000)
28.02.2010
%
EUR (000)
%
Fixed assets
162,862
21.7
152,553
20.4
Other assets tied up in the long term
289,290
38.5
317,615
42.4
3,755
0.5
13,625
1.8
Assets tied up in the short term
296,060
39.3
265,461 35.4
Total assets
751,967
100.0
749,254
100.0
Deferred taxes
Equity and financing
EOS Consolidated’s equity ratio rose by 4.1 percentage points to 31.5 per cent in 2010/11 – a high
level for a financial services provider. Current liabilities fell to 40.4 per cent, from 48.1 per cent the
previous year.
28.02.2011
28.02.2010
EUR (000)
%
EUR (000)
%
Equity 236,996
31.5
205,163
27.4
Long-term borrowed capital
201,651
26.8
163,423
21.8
9,438
1.3
20,312
2.7
Short-term borrowed capital
303,882
40.4
360,356
48.1
Total financing
751,967
100.0
749,254
100.0
Deferred taxes
Publication details
Published by
Telephone: +49 40 2532-8657
Telefax: +49 40 2532-8658
Contact
Editorial Content
Maja Alfke
Helmut Broeg
Claudia Gottschalk
Design
Creation
Picture credits
Stewardship Council
(FSC®).
EOS business model
EOS at a glance
• Data generation
West.
Europe
Germany
East.
Europe
US
Asia
196,036
64,926
58,446
49,464
Marketing
information
2010/11
• Consumer
information
• Business
information
• Payment
experience pool
2,027
2009/10
183,653
55,163
Risk
information
Serving clients
Securing cash
35,220 39,185 815
Payment
services
5,545
5,160
370.9
314.0
10
The companies
in the EOS Group
have been
the EOS brand
for ten years.
• Electronic
payment control
2,806
2,674
Receivables
management
• Arrears
management
• Arrears billing
• Finetrading
• Factoring
• Debt purchase
• Debt collection
• Realization of
securities
107.9
782
EOS modules
887
13 12
GER
EU*
US
2009/10
Asia
Total
2010/11
As per 28.02.2011
*Rest of Europe
or in combination.
• E
A focus on progress
2009/10
2010/11
Global sales
EBITDA
Slovakia
Russia Germany
Hungary Romania
Serbia Ukraine
LLC EOS Ukraine
Credirec SAS
Employees: 28
Managing Director:
Aleksey Teslenko
Head office: Kiev
Employees: 240
Managing Director:
Nathalie Lameyre
Head office: Paris
Bulgaria Austria
1,840
1,691
89.1
EOS
USA Belgium
Ukraine*
france*
China*
EOS CreditCN Credit
Employees: 25
General Manager:
Kuiyuan Li
Bosnia and
Herzegovina*
EOS Matrix DOO
Employees: 8
Managing Director:
Mirjana Vuković
Brazil*
de Crédito S. A.
Employees: 2500
Managing Director:
Manfredo Hoepers
Head office:
Porto Alegre
EOS worldwide
EOS in america
EOS in germany
RatePAY GmbH
LLC EOS (Russia)
EOS in Asia
EOS business model
EOS at a glance
• Data generation
West.
Europe
Germany
East.
Europe
US
Asia
196,036
64,926
58,446
49,464
Marketing
information
2010/11
• Consumer
information
• Business
information
• Payment
experience pool
2,027
2009/10
183,653
55,163
Risk
information
Serving clients
Securing cash
35,220 39,185 815
Payment
services
5,545
5,160
370.9
314.0
10
The companies
in the EOS Group
have been
the EOS brand
for ten years.
• Electronic
payment control
2,806
2,674
Receivables
management
• Arrears
management
• Arrears billing
• Finetrading
• Factoring
• Debt purchase
• Debt collection
• Realization of
securities
107.9
782
EOS modules
887
13 12
GER
EU*
US
2009/10
Asia
Total
2010/11
As per 28.02.2011
*Rest of Europe
or in combination.
• E
A focus on progress
2009/10
2010/11
Global sales
EBITDA
Slovakia
Russia Germany
Hungary Romania
Serbia Ukraine
LLC EOS Ukraine
Credirec SAS
Employees: 28
Managing Director:
Aleksey Teslenko
Head office: Kiev
Employees: 240
Managing Director:
Nathalie Lameyre
Head office: Paris
Bulgaria Austria
1,840
1,691
89.1
EOS
USA Belgium
Ukraine*
france*
China*
EOS CreditCN Credit
Employees: 25
General Manager:
Kuiyuan Li
Bosnia and
Herzegovina*
EOS Matrix DOO
Employees: 8
Managing Director:
Mirjana Vuković
Brazil*
de Crédito S. A.
Employees: 2500
Managing Director:
Manfredo Hoepers
Head office:
Porto Alegre
EOS worldwide
EOS in america
EOS in germany
RatePAY GmbH
LLC EOS (Russia)
EOS in Asia
Publication details
Published by
Telephone: +49 40 2532-8657
Telefax: +49 40 2532-8658
10.05 a.m.
7.53 a.m.
1.30 p.m.
Contact
Editorial Content
12.15 p.m.
Maja Alfke
Helmut Broeg
Claudia Gottschalk
9.30 a.m.
Design
04 A day at EOS
Creation
Contents
Picture credits
Stewardship Council
(FSC®).
Insights
Phone: +49 40 2532-8657
Fax: +49 40 2532-8658
and figures are
all available for
download free
of charge. Have
fun discovering
everything!

- EOS Group

Transcription

Similar documents

to the full newsletter.

James G. Murphy Inc.

savINGs ON tOp OF savINGs

Easing to Victory – The Rennteam Uni Stuttgart Wins the Formula

Canon EOS 630 - Earth Sea Publishing

Treadstone Performance Engineering

QuickGuide to EOS Live View Features

this article - Electro Optic Systems

Colorado Department of Corrections Libraries