Colruyt presentation
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The document contains financial analysis of company revenues from 2012-2013 which decreased slightly from 6,355.60 to 5,995.20. It also shows revenues by sector with retail trade generating the most. Key financial metrics like EBITDA, EBIT and profit increased between 1-2.6% while costs, especially employee costs, remain high. In conclusion, the document performs an analysis of company financial and economic situation.
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Colruyt presentation
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The document contains financial analyses of company revenues from 2012-2013, showing a slight decrease from 2012 to 2013. It also contains charts showing the distribution of revenues across different business sectors such as retail, wholesale, and other activities. Additionally, it analyzes the company's EBITDA, EBIT, profit before taxes, and profit per share, showing increases ranging from 1-2.6%. It notes the company has a strong image and low budget but also high employee costs and may be affected by the economic situation.Technological Solutions
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Market Structure
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Private Insurance (employer-based or individual plans).
Public Insurance (government programs like Medicare for the elderly and Medicaid for low-income groups).
Markets can be competitive (multiple insurers, price-based competition) or monopolistic (government-run programs).
Demand & Supply Factors
Demand depends on income, premium costs, and risk aversion.
Supply is influenced by regulations, administrative costs, and competition.
High premiums reduce demand, while subsidies (e.g., employer contributions) increase it.
Market Failures
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Adverse Selection: Healthy people avoid insurance, leaving insurers with high-risk clients, raising costs.
Moral Hazard: Insured individuals may overuse services or take more health risks.
Externalities:
Positive: Vaccinations benefit society (e.g., herd immunity).
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Government Role
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Public programs (Medicare, Medicaid).
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Colruyt presentation
- 1. Financial analyse ELLEN STANDAERT 2FV4 English Jordi Castelyn
- 2. REVENUES Revenues of 2012-2013 6,400.00 6,300.00 6,200.00 6,100.00 6,355.60 6,000.00 5,995.20 5,900.00 5,800.00 1 2
- 3. REVENUES 5,000.00 4,500.00 4,000.00 3,500.00 3,000.00 2,500.00 2,000.00 1,500.00 1,000.00 500.00 0.00 Retail trade Wholesale trade Other activities
- 4. FINANCIAL ANALYSE EBITDA 1,60% EBIT 1,00% Profit before taxes 1,10% Profit /share 2,60%
- 5. COMPANY ANALYSE Strong image Lowbudget Economic situation High costs ( employees)
- 6. OPININON Share
- 7. THANK YOU FOR YOUR ATTENTION