What counts is success
And the best unit of measurement: results.
ARGE GSV plus
ARGE GSV PLUS is an experienced and competent service provider for public health and long-term care insurance funds throughout Germany. Since its foundation in 1996, the company has held its ground in the fast-moving market of statutory health insurance (SHI), which has taught it how to respond optimally and quickly to short-term and individual requirements. The most important goal then as now, is to be a solution provider. This service concept makes ARGE GSV PLUS and its approximately 170 employees at the Hamburg and Schwerin locations a competent partner when it comes to support in the areas of premium collection as well as enforcement and insolvency processing or even individual services.
Ärzteversorgung Niedersachsen
"Thanks to the use of INVARIS software and the support provided by the INVARIS Professional Services team, we were able to securely replace our legacy system in a very short period of time, which we didn't think was possible before the project began." - Diplom-Kaufmann Peter Sieghan - Division Manager Accounting and IT
The challenge
- Historically grown infrastructure with different software solutions for the creation, processing and production of documents
- Use of different and partly redundant technologies to manage the templates
- Demand for greater future-proofing due to outdated solutions
The INVARIS solution
- Timely replacement with implementation of 180 forms within six months
- Batch and on-demand processing including outbound processing for collecting, sorting and bundling documents
- Successive replacement of the remaining legacy systems with a modern and centralised overall solution for document production (1.25 million pages per year)
Referenz Avaloq
Avaloq Outline AG is one of the leading Swiss providers of integrated customer engagement management solutions. Since 1997, Avaloq Outline has been combining analogue and digital customer communication, thus also opening up the new digital communication channels for its customers.
Avaloq Outline's clients include banks, energy providers, telecommunications companies, retailers, real estate, publishers, insurance companies and health insurers. Avaloq Outline AG employs around 85+ people at its locations in Winterthur (head office), Bedano and Bern (both production centres).
BMW Group
The automated creation of HR documents in the BMW Group's human resources department by INVARIS ensures transparency and security.
The challenge
- Multilingualism due to locations abroad (Great Britain, South Africa, Brazil, China)
- SAP connection
The INVARIS solution
- Use of INVARIS in the HR department for the production of various personnel documents (e.g. work confirmations, transfer applications, checklists, contracts, certificates);
- Over 1,500 documents based on 20 layouts in 4 countries
- Additional offer of an Enterprise Self Service (ESS) as a KIOSK solution for employees
- Fulfilment of central requirements for traceability, revision security and corporate identity
- Simple connection of interfaces
- Relief for the IT department
- Avoidance of time- and resource-intensive manual processes
Bundesagentur für Arbeit
We are your competent contact for job and training placement. Every day we advise people on topics related to employment. Every day we support citizens with financial benefits such as unemployment benefit and child benefit. For us, people are the centre of attention.
Our working world is changing - and with it the way we work for you. We are responding to the challenges of the future with our Strategy 2025.
Skilled workers for companies
In the next 10 to 20 years, there will be significantly fewer workers available: Many people will retire - at the same time, not enough younger employees are moving up. We are responding to demographic change by intensively supporting employers in training or recruiting skilled workers - at home and, where necessary, abroad.
Networked counselling for young people
For young people, the transition from school to work should be as smooth as possible. To support them in this, we are networking even more intensively with schools and companies. Those who want to do an apprenticeship should receive expert advice as early as possible. This is done, for example, by the Youth Employment Agencies, which we introduced a few years ago. We are continuously expanding this offer.
Good advice throughout a person's working life
Developments in society as a whole, such as digitalisation or the effects of demographic change with an ageing population, are changing the working life of every individual.
The requirements in professions are changing, new professions are emerging and others are falling away. Workers change jobs or activities more frequently than in the past. That is why we are increasingly focusing on individual career counselling that covers not only unemployment but also all other phases of working life.
Deutsche Leasing
The Deutsche Leasing Group is the leading solution-oriented asset finance partner for German SMEs and offers a wide range of investment-related financing solutions (asset finance) and complementary services (asset services). Within Sparkassen-Finanzgruppe, Deutsche Leasing is the competence centre for leasing and factoring as well as other SME-oriented asset finance solutions and complementary services in Germany and abroad.
Deutsche Rentenversicherung
Self-government in social insurance
Insured persons, pensioners and employers can participate in what their contributions are used for: In social self-administration, they decide on budgets of insurance providers and make important decisions in the areas of finances, personnel, benefits, organisation and rehabilitation. The self-governors work on a voluntary basis and are committed to the welfare of the insured.
DMG MORI
DMG MORI AKTIENGESELLSCHAFT is a leading global manufacturer of machine tools with a turnover of over € 1.8 billion and around 6,700 employees. Together with DMG MORI COMPANY LIMITED, we achieve a turnover of around € 2.7 billion as a "Global One Company".
Our holistic automation and end-to-end digitalisation solutions expand the core business with turning and milling machines, advanced technologies (ultrasonic, lasertec) and additive manufacturing.
energie Burgenland
Energie Burgenland AG is an Austrian energy service company that was created from the companies BEWAG and BEGAS when it was entered in the commercial register in July 2012. It is 51% owned by Landesholding Burgenland GmbH and 49% by Burgenland Holding AG. The headquarters are in Eisenstadt.
The vision of Energie Burgenland
- Concentration on the core business and the home market: generation, distribution and sale of electricity, natural gas and heat as well as integrated energy solutions in Burgenland
- Further expansion of wind energy in Burgenland
- More cost efficiency
- Maintaining the traditional proximity to customers in Burgenland
- Number 1 in customer service
- Innovation leader and driver of economically and ecologically sustainable energy supply and energy-efficient consumer systems
- Engine for Burgenland
The values of the Energie Burgenland Group
- Customer orientation - We continuously improve active support and personal service for our customers and set new standards with tailor-made energy solutions.
- Ecological production - We want to further expand ecological energy production and invest more in wind power.
- Cost awareness - We have aligned our processes efficiently and are increasing cost awareness in the company.
- Further development - We offer innovative service packages and are constantly engaged in innovative product developments.
- Product quality - We see ourselves as a quality provider that offers its customers economically viable products and services.
- Corporate culture - We involve employees even more in decision-making and promote creativity and initiative among our staff. We promote teamwork and interdepartmental cooperation within an open corporate culture.
- Value creation in Burgenland - We are one of the largest employers in Burgenland and one of the most important economic factors.
Energie Südbayern
For more than 50 years, Energie Südbayern has been the fair, secure and personal energy supplier and service provider for the region. Together with its subsidiaries Energienetze Bayern and ESB Wärme, Energie Südbayern forms the ESB group of companies. Energy supply, portfolio management, the operation of energy networks and energy generation are the core business areas of the group as well as its shareholdings. Around 160,000 households, 15,000 business customers as well as numerous municipal utilities and redistributors rely on our products and services. With around 420 employees, apprentices and trainees in the ESB group of companies, we stand for efficient service, flexible energy products and sound market knowledge in all areas of natural gas, green electricity and heat. Together with our subsidiaries and affiliates, we develop innovative solutions and assume responsibility for the region as an experienced partner in all matters of energy supply. We also bear this responsibility for our climate, because climate protection concerns us all. That is why Energie Südbayern has completely neutralised the climate-impacting emissions generated around its business activities for the period from 2019 to 2021. In this way, around 22,500 tonnes of CO2 were offset.
Frankfurter Sparkasse
"Through the INVARIS software, a new campaign is implemented in 5 minutes, instead of 30 minutes as before." - Richard Pflüger, ORG/IT Service Retail Banking, Frankfurter Sparkasse
The challenge
- Individual customer approach by means of postal letters
- Letter layout with individual content
- Rapid implementation of mailings (time-to-market)
The INVARIS solution
- Efficient implementation of mailings, both fully automatic and individual
- Currently approx. 40 automatic and approx. 60 individual mailings per month
- Between 50 and 40,000 pages per mailing
- Rapid creation and maintenance of letter layouts and content
- New mailing campaign is implemented within 5 minutes instead of 30 minutes previously
Grazer Wechselseitige
Since its foundation by Archduke Johann of Austria in 1828, Grazer Wechselseitige Versicherung AG has developed from the original fire insurance company into an international group in Central, Eastern and South-Eastern Europe, combining insurance, real estate and financial services under one roof.
As an Austrian insurance group with 18 Central, Eastern and South-Eastern European insurance subsidiaries, we are aware of our responsibility, stand with over 190 years of tradition for reliability and stability, for security, independence and honest concern for our customers, expressed in our motto: "Grazer Wechselseitige - The insurance on your side.".
Our range of services is constantly being improved and developed. This enables us to keep up with the times and structural changes - often even to be a decisive step ahead! This is exactly what characterises our company: Being connected to tradition, being open to innovation.
IHK
IHK - Three letters that almost everyone has heard before. They stand for the network of 79 chambers of industry and commerce. The IHKs are institutions of the economy for the economy and at home in the regions. They are anchored here and know what moves the economy. Together with their member companies, they assume responsibility in their regions and contribute to improving the conditions for prosperity and growth.
Service providers for the economy
The Chambers of Industry and Commerce promote the local economy and support it with a wide range of advisory services and customised services. For example, they support company founders, provide information on legal or tax issues and advise on expansion into international markets. At the same time, the CCIs keep an eye on trends and new topics.
Fulfilment of state tasks - in the service of businesses
As corporations under public law, the IHKs fulfil more than 50 tasks entrusted to them by the state on their own responsibility and independently. One of the best known is their commitment to dual vocational training, which has helped young people start their careers for generations.
Democratically legitimised representation of interests
But the IHKs are more than just a service provider. Their proximity to the regional economy makes them a sought-after contact for politics and administration: the IHKs bundle the diverse interests of their members and ensure that the concerns of different sectors and companies are weighed up fairly. The IHKs are member-supported and democratically structured: The most important body is the plenary assembly. Every company - regardless of its size - has a vote in the election. As the voice of their companies, the IHKs actively shape the economic and social framework conditions.
The life principle of personal responsibility
The actions of the Chambers of Industry and Commerce are based on their self-image as self-responsible organisations. The idea behind this is that the business community itself can regulate many matters that affect it in a practical and unbureaucratic manner - and thus also relieve the state. The IHKs also bring entrepreneurial action closer to the people. The guiding principle for their actions is and remains the honourable businessman. All commercial enterprises in Germany - with the exception of craft enterprises, liberal professions and agricultural enterprises - are members of a chamber of industry and commerce.
IT.NRW
As a state enterprise, we perform tasks for the state administration of North Rhine-Westphalia in the fields of information technology and statistics.
Tasks in the Information Technology business area
- We develop and operate the IT infrastructure for the North Rhine-Westphalian state administration.
- We advise and support the authorities and institutions of the state in the use of information technology.
- We offer IT training for members of the public administration.
- More about the Information Technology Business Unit
Tasks in the Statistics Business Field
As the State Statistical Office in Germany's most populous federal state, we collect and publish comprehensive data on social and economic conditions. In doing so, we are committed to the principles of neutrality, objectivity, scientific independence and statistical confidentiality.
- We conduct official statistics on the basis of EU, federal and state law.
- We produce national accounts, forecasts, model calculations and analyses.
- We support and advise the Land Parliament and the Land administration on statistical and mathematical issues.
- We assist in the preparation and implementation of elections and referendums.
More on the Statistics Business Field
More on the new organisational structure of the North Rhine-Westphalia State Statistical Office
it SV
As an innovative technology company, we manage and coordinate the IT activities of the Austrian social insurance system and thus make a significant contribution to increasing efficiency in the field of IT.
Competence, efficiency and customer satisfaction are what set us apart.
With our SV expertise, know-how in the health care sector paired with IT competence as well as years of experience, we drive the digitalisation of the services of the Austrian social insurance. This saves time and money - for every single insured person and thus also for you.
Kraftfahrtbundesamt
The Federal Motor Transport Authority was established by law on 4 August 1951 as the higher federal authority for road traffic. It is part of the portfolio of the Federal Ministry of Transport and Digital Infrastructure and sees itself as a service provider for all aspects of motor vehicles and their users. Since 2020, it has been headed by its president Richard Damm. With its tasks, it makes an important contribution to increasing road safety in Germany and in Europe.
Lechwerke
The LEW Group is a regional energy service provider in Bavaria and parts of Baden-Württemberg. We focus on regional identity, climate and environmental protection and economic development. Our focus is on the customer.
The grid area of LEW Verteilnetz GmbH:
As a regional distribution grid operator, LEW Verteilnetz GmbH - a subsidiary of Lechwerke AG - ensures reliable and safe operation of the electricity grid and guarantees non-discriminatory grid access. The network area of LEW Verteilnetz GmbH covers Bavarian Swabia and parts of Upper Bavaria.
LGT
With time and discipline to success
LGT has been managed by the Princely Family of Liechtenstein for over 90 years and has extensive experience in the management of family assets. In terms of both our corporate and investment strategy, we take a very long-term perspective. Because we know that it takes a lot of time and discipline to achieve success.
MAN
MAN Truck & Bus is one of Europe's leading commercial vehicle manufacturers and providers of transport solutions with annual sales of more than €9.5 billion (2020). The product portfolio includes vans, trucks, buses, diesel and gas engines as well as services related to passenger transport and freight transport. MAN Truck & Bus is a company of TRATON SE.
Mühlböck
FROM A TWO-MAN BUSINESS TO A GLOBAL PLAYER
Wood drying at the highest level: this is what the name Mühlböck has stood for since the company was founded by Kurt Mühlböck almost 40 years ago.
From the very beginning, the company has specialised consistently and exclusively in the development and production of drying technologies for wood. Today, Mühlböck is an international leader in this field. More than 13,000 Mühlböck systems are in operation worldwide.
Through constant innovation and further development, Mühlböck has a unique position on the market in terms of technology. In addition to the highest product quality, energy-saving systems with which energy consumption during drying can be reduced by up to half are among the trademarks.
All engineering and manufacturing steps are carried out in-house, from research and development to the production of all system components and the programming of the control software. Therefore, every Mühlböck drying system can be precisely adapted to the specific customer requirements.
Richard Mühlböck has been the managing director of Mühlböck Holztrocknungsanlagen GmbH since 2018. The qualified employees work at the main plant in Eberschwang (Upper Austria) and at the Hartberg site (Styria).
Österreichischen Gesundheitskasse (ÖGK)
The Austrian Health Insurance Fund (ÖGK) is the largest social health insurance in Austria: It offers protection to all 7.2 million insured persons in Austria - regardless of age or income. We do not have a risk selection like private insurance. Whenever something changes in your life - for example the birth of a child, illness or incapacity to work - ÖGK is at your side!
Who we are
The Austrian Health Insurance Fund (ÖGK) is the largest social health insurance company in Austria. Currently, about 82 percent of the people living in our country are insured with ÖGK - that is 7.2 million insured persons. ÖGK was created on 01.01.2020 through the merger of the nine former regional health insurance funds.
What we provide
These are the most important services for our insured:
- Health care services: medical and therapeutic care in the event of illness - both with established contractual partners with a health insurance fund contract and in hospital or in ÖGK health centres.
- benefits in the event of incapacity to work as a result of illness (sick leave).
- dental benefits
- medicines, remedies and remedial aids
- benefits around the birth of a child: these include medical and cash benefits as well as health promotion services.
- Health promotion and prevention.
Where to find us
The Austrian Health Insurance Fund (ÖGK) is close to people all over Austria. With 150 locations, we are always close to you - with customer service points as well as medical facilities. Here you can find all our locations.
PERI
Since 1969, PERI has stood for innovation in formwork and scaffolding technology and is one of the largest international manufacturers in this sector. The family-owned company was founded by Artur Schwörer in Weißenhorn and is now managed by the second generation. The company name is derived from the Greek preposition "peri" and means "around, about".
In Germany, we guarantee proximity to our customers and their locations with 13 branches. The logistics locations keep system equipment - also for rent - ready for all requirements and every construction site size.
Total solutions for formwork, scaffolding, engineering and timber
We offer construction companies and scaffolding contractors of all sizes total solution competence for all formwork and scaffolding technology requirements in construction, maintenance and refurbishment. Innovative formwork and scaffolding systems with customised logistics, service and engineering services guarantee our customers cost-effectiveness, efficiency and safety.
PostFinance
PostFinance in 3030 Berne.Independent business unit of the Swiss Post Group and the third-largest financial institution in Switzerland.
Financial services for private and business customers in the areas of payment, investment, financing and pension provision. The project was awarded the ECM Award 2013.
The challenge
- Generation of customer-specific account statements in
- Online banking
- Introduction of a text automation system
- Solution to the "multilingualism" problem (4 languages; German, French, Italian, English)
The INVARIS solution
- Batch: mainly used to generate
- customer-oriented account statements in online banking
- for more than 500,000 customers
- On-Demand Dark: text automation solutions for 500 users
- Storage of multilingual text modules, language and customer affiliation
- via metadata in databases
- Reduction of innovation and operating costs by 60%
- Output management merges with input management
- Simplification of administration: maintenance of only one document for 4 different languages
- High customer orientation: Every customer gets his document in his own language!
Raiffeisen
The Raiffeisen Banking Group is wholly owned by Austrians. 24,700 employees ensure sustainability and proximity in the provision of advice and support in all financial matters. Together with their customers, they create suitable solutions for all stages and situations in life.
As a universal banking group, Raiffeisen offers its customers a comprehensive range of financial services.
Thanks to the close association of the three levels mentioned above and the specialised subsidiaries and associated companies of RBI, it is possible for all Austrian Raiffeisen banks to meet the individual needs of each customer group and to provide a bancassurance offering "under one roof". RBI specialises in commercial banking and investment banking in Austria. It serves the country's top 1,000 companies and sees itself as the corporate finance bank for this customer group and as a leading provider of export financing.
The Raiffeisen Banking Group's bancassurance offering also includes the financial services of Raiffeisen specialist companies, such as those of the securities fund companies Raiffeisen Capital Management, Raiffeisen Versicherung, Raiffeisen-Leasing and Raiffeisen Bausparkasse, which are among the market leaders in Austria.
schufa
We create trust
SCHUFA is the abbreviation for "Schutzgemeinschaft für allgemeine Kreditsicherung" (Association for the Protection of General Credit) and our name has stood for seriousness and reliability since our foundation in 1927.
As a leading solution provider of credit and information services for businesses and consumers, we have data on 68 million natural persons and 6 million businesses. This makes us a reliable source of information for businesses and consumers.
With our information, we make an important contribution to building trust between two business partners around 490,000 times a day, thus supporting secure, fast and efficient business transactions. For example
- when financing a car,
- the payment by instalments of furniture or electronic goods,
- buying on account in online retailing, and
- when concluding a mobile phone contract where calls can be made before the bill arrives.
We also offer consumers
- Transparency about the data that SCHUFA stores on their own person,
- proof of their creditworthiness (e.g. when renting a flat),
- information about companies (e.g. about building companies or tradesmen) and
- help in cases of identity theft (e.g. lost identity documents or loss of confidential data on the internet).
More than 10,000 companies - including banks, savings banks, trading companies, telecommunication companies and many more - have chosen us as their service provider and trust in our information and services. In addition, 2.3 million people already use our special offers for private customers.
Schwäbisch Hall
Schwäbisch Hall is Germany's largest building society with around 7 million customers. It is also one of the leading providers of construction financing. The company's more than 6,500 employees work closely with the cooperative banks. Schwäbisch Hall is active abroad with affiliated companies in Eastern Europe and China.
About us - the most important information at a glance
As a building society and service provider for the private construction financing business of the more than 800 cooperative banks in Germany, Schwäbisch Hall has been firmly anchored in the cooperative banking sector since the company was founded in 1931. Its shareholders are the cooperative central bank DZ Bank (96.8 percent) in Frankfurt am Main and around 600 cooperative institutions.
The cooperative banks form one of the densest banking service networks in Germany. Together with the approximately 3,300 employees in its own field service, Schwäbisch Hall is thus present everywhere in Germany and, together with the more than 3,200 employees in the office service, guarantees qualified advice and support for customers.
Sixt
As one of the world's leading premium mobility service providers, SIXT achieved consolidated revenues of €1.53 billion in the 2020 financial year - despite travel and exit restrictions due to the COVID 19 pandemic. With more than 6,900 employees worldwide, SIXT combines global car rental and local share solutions, taxi and ride-hailing services, and car subscription services into one of the world's largest mobility platforms. With just one app - the SIXT App - we offer our customers digital access to more than 200,000 vehicles and around 1.5 million connected drivers in around 110 countries worldwide. In addition to its own range of vehicles, SIXT also integrates services from over 1,500 mobility partners, thus forging a strategic, sustainable and future-proof alliance for mobility.
In over 100 years, the courage to change and the will to really want to move things has made SIXT what it is today - one of the most innovative, fastest-growing and most profitable mobility companies in the world. Everywhere in the world, we offer our customers, who are always at the centre of everything we do, individual, flexible and limitless mobility every day anew, thus creating a genuine alternative to their own car. SIXT - mobility that moves.
STORZ
"Simple - Fast - Professional"
Denis Cosic, Information Services, SAP Applications, Karl Storz GmbH & Co KG
The challenge
- SAP for sales processes and in the area of logistics
- Fast and flexible document design
- Label production
The INVARIS solution
- SAP print preparation of labels and forms, e.g. quotations
- Connection to SAP via XML Connector
- goSmart® FormStation© for print previews
SVLFG
The Social Insurance for Agriculture, Forestry and Horticulture (SVLFG) is the agricultural social insurance provider. It combines agricultural accident insurance, health and long-term care insurance and old-age insurance for farmers under one roof.
As a public corporation with self-government, we offer protection and security for people and industries in the green working world.
Team!Bank
TeamBank has decades of experience and looks back proudly on a successful history. We have been working for the wishes of our customers since 1950 - under changing names due to mergers. Over the course of time, however, not only our name but also our face has changed considerably. We would like to show you how. Join us on a journey from the beginnings to the TeamBank of today.
UniCredit Leasing
UniCredit Leasing is a wholly-owned subsidiary of UniCredit Bank Austria and thus part of the successful UniCredit Group.
As the largest universal leasing provider in Austria, we offer a comprehensive range of products, from real estate and equipment leasing to sales financing and municipal leasing. Based on professional expertise combined with many years of experience, we offer tailor-made leasing models for small, medium-sized and large companies.
universum inkasso
OPEN ACCOUNTS RECEIVABLE ARE OUR DAILY CHALLENGES
As an Austrian, owner-managed company, we stand by our clients as a reliable debt collection service provider - independent, with short decision-making processes and easy to reach. Our numerous clients particularly appreciate our high success rates and our many years of experience.
Unpaid receivables are increasingly part of everyday business life. Many companies are familiar with the challenging situation of having to chase outstanding amounts of money. Save your valuable time and effort and leave this task to the expert and licensed specialists at Universum Inkasso GmbH.
REGIONAL, REPUTABLE & SUCCESSFUL
We have been working for traders on a daily basis for almost 20 years. And our success proves us right. Our staff are all permanent employees, highly trained and optimally supported in their work by efficient IT technology. The combination of skilful personal communication with the debtor and professional persistence very often brings the desired success. Our service is additionally optimised by the extremely effective cooperation with professional legal partners and debt collection field service providers.
The success achieved pleases us and, of course, above all our clients. It goes without saying that the highest value is placed on data protection in all debt collection processes.
We are happy to tackle your challenge for you - after all, it's about the comeback of your money!
Valida
Valida Vorsorgekasse (Valida Plus AG) is the second largest occupational pension fund in Austria. It offers occupational employee and self-employed provision ("Abfertigung Neu") through the owners' distribution network. A special focus is on sustainable investment. Twice a year, the specialist "rfu" (Reinhard Friesenbichler Unternehmensberatung) audits compliance with ethical investment criteria.
VBL
The Federal and State Government Employees' Retirement Fund (Versorgungsanstalt des Bundes und der Länder) is a supplementary pension fund for public service employees funded by the Federal Government and most of the Federal States - with the exception of Hamburg and Saarland. It is a public law institution with legal capacity and has its headquarters in Karlsruhe.
VKB Bank
For about 148 years, VKB-Bank has accompanied its customers and business partners with professional advice in Upper Austria and made a decisive contribution to strengthening the local economy. Founded in 1873 as a cooperative bank, the traditional universal bank in Upper Austria has been successfully operating as a public limited company since 1981. Based on its core values of independence, security, capital strength, customer and value orientation as well as regional responsibility, VKB-Bank successfully cooperates with its business partners. The associated sustainable business relationships at 34 locations in the region have a long tradition at VKB-Bank.
Walser Privatbank
The roots of Walser Privatbank lie in the Austrian Kleinwalsertal. The down-to-earth nature of this region has also shaped us. Although we are now one of the renowned wealth managers in German-speaking Europe, we have not forgotten our origins. It stands for security, solidity and uncomplicated cooperation.
But for all our tradition, there is also a pioneering spirit in our minds. Thanks to it, we have succeeded in shaping the transformation into an ultra-modern bank. We do not stand still, but continue to develop - to offer you private banking at the highest level.
