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  1. 1. Certified by Accredited by
  2. 2. Index • Part 01 – The Problem • Part 02 – Problem Consequences • Part 03 - Impact • Part 04 - Problem (in numbers) • Part 07 – Solution • Part 08 – Benefits • Part 09 – Global Opportunity • Part 10 – Domestic Opportunity (Brazil) • Part 11 – Sales • Part 12 - Economic Segments • Part 13 – Investment • Part 14 - Incomes • Part 15 - Valuation • Part 16 - Head
  3. 3. The Problem Because of the accounting aspects , most companies have an ERP, but over 70 % of key users of these systems fail to capture the information they need - and still have the additional costs of customization. From the point of view of managing the day to day , the finance department reports an accounting result, which simply does not exist either by the ERP parameter error, delay of information or lack of training of staff. The numbers exist, but they are wrong . How to control the Cash Flow? This is utopian ? To be based on past numbers is not a better way, If you have a Cash Flow crisis, simply sell? Of course not! After all : If I have a good income, Where is my money ?
  4. 4. Problem Consequences • No visibility on financial management • Lack of control • Wrong forecasts, costs and budgets • ERP underused with the need of continue parametrization • Wrong Working Capital • Increase of Costs • Increase of funding lines
  5. 5. Impact The lack or misunderstanding of the financial management is the major cause of bankrupcy of the middle market companies. Only the control statements and balance sheets (which normally closes late) does not report correct results. Sell More, Wrong More, Bankrupcy???
  6. 6. The Problem Sample Spread Sheet Cash Flow Dif. Diference % Cash Flow Losses Revenues R$145.329.279,00 R$128.756.823,00 -11,34% -R$16.572.456,00 Sales Costs R$80.890.038,00 R$97.006.804,00 19,92% -R$16.116.766,00 Finance Result R$11.439.241,00 R$8.007.468,70 -30,01% -R$3.431.772,30 Staff Expenses R$27.213.125,00 R$34.016.406,25 24,99% R$6.803.281,25 Operacional Expenses R$14.112.659,00 R$17.640.823,75 25,00% R$3.528.164,75 EBIT R$6.294.251,00 R$7.867.813,75 24,99% R$1.573.562,75
  7. 7. Solution Our model puts the company under control of the entrepreneur , demonstrating comprehensive and comprehensible manner where resources are , from the point of view of revenue or expenses , costs or budgets. The entrepreneur already runs other risks . Why not minimize your risks and increase your profitability? How about turning the financial problems into profit sources? Cash Flow Costs BSC
  8. 8. Benefits • Profitability increased without increasing sales • Reduced Operating Costs • Elimination of Reworks • End of errors • End of delays between cash and accrual • Audit integrated with process values ​​( fraud control ) • consolidated process for group and business unit • Interactive • Availabilities are real without accounting chicanery • No additional costs for customizations Budget + Forecasts!
  9. 9. Global Opportunity Our model will fit with all ERP´s (MIS)
  10. 10. Local Opportunity In Brazil the financial control started from 10 years ago. Great Moment
  11. 11. Libor –Market presence
  12. 12. Presentation • The Libor began its work in 2009 . • Our products include crisis management in companies . • Our flagship is composed of our controllership unit - especially our management model for cash flow. • Libor Fintech began operations in August 2015 and is a start- up coming from the own Libor . • Libor Fintech is a consolidator of information that has the purpose to challenge the " status quo " of business management , showing easy, simple and intuitive entrepreneur the advantages of controlling its operation. Otto Bertanne - CEO • Pos – Graduated in Financial Institucion Management – Fundação Getúlio Vargas • Monetary Policy - Unicamp. • Portfolio Manager – Ato declaratório Nº 8.327 de 30/05/2005). • Portfolio manager certification Brazil (CNPI) - APIMEC/CVM. Background: • Portfolio Manager Libor Group – controlling services and finance structured products. • Responsible for DCM (Debit Capital Markets)- Bradesco BBI Bank • Portfólio Manager for head and the multimarket founds – Daycoval Asset Management. • Economic and Investment Manager- CVM Capital Markets. (RBS). • Equity reasearch analyst - Citibank Corretora de Valores CCVM
  13. 13. Many Thanks!