G32G31 Storebrand og norsk finansnæring G53G74G6FG72G65G62G72G61G6EG64G20 G68G61G72G20 G72GF8G74G74G65G72G20 G74G69G6CG62G61G6BG65G20 G74G69G6CG20 G31G37G36G37G20 G6FG67G20 G68G61G72 G73G6FG6DG20 G6EG61G76G6EG20 G6FG67G20 G6DG65G72G6BG65G76G61G72G65G20 G62G65G73G74GE5G74G74G20 G73G69G64G65G6EG20 G31G38G38G38G2E G44G65G74G20 G69G6EG6EG65G62GE6G72G65G72G20 G61G74G20 G76G69G20 G73G6FG6DG20 G69G20 G64G61G67G20 G61G72G62G65G69G64G65G72G20 G69 G73G65G6CG73G6BG61G70G65G74G20G68G61G72G20G61G6EG73G76G61G72G65G74G20G66G6FG72G20G66G6FG72G76G61G6CG74G6EG69G6EG67G65G6EG20G61G76G20G65G6E G76G69G72G6BG73G6FG6DG68G65G74G20G6DG65G64G20G73G76GE6G72G74G20G6CG61G6EG67G20G74G72G61G64G69G73G6AG6FG6EG20G6FG67G20G68G69G73G74G6FG2D G72G69G65G2EG20 G44G65G74G20 G68G61G72G20 G6FG70G70G20 G67G6AG65G6EG6EG6FG6DG20 G74G69G64G65G6EG20 G96G20 G6BG61G6EG73G6BG6AG65 G70G61G72G61G64G6FG6BG73G61G6CG74G20 G6EG6FG6BG20 G96G20 G76G69G73G74G20 G73G65G67G20 G61G74G20 G64G65G6EG20 G62G65G73G74G65G20 G6FG70G70G2D G73G6BG72G69G66G74G65G6EG20G66G6FG72G20GE5G20G62G65G76G61G72G65G20G68G65G6CG65G20G74G69G64G65G6EG20G68G61G72G20G76GE6G72G74G20GE5G20G76GE6G72G65 G76G69G6CG6CG69G67G20 G74G69G6CG20 GE5G20 G66G6FG72G61G6EG64G72G65G2EG20 G53G74G6FG72G65G62G72G61G6EG64G20 G68G61G64G64G65G20 G69G20 G64G61G67 G69G6BG6BG65G20G76GE6G72G74G20G65G74G20G6CG65G64G65G6EG64G65G20G73G65G6CG73G6BG61G70G20G69G20G4EG6FG72G67G65G20G6FG6DG20G64G65G6E G74G69G6CG20G65G6EG68G76G65G72G20G74G69G64G20G73G69G74G74G65G6EG64G65G20G6CG65G64G65G6CG73G65G20G69G6BG6BG65G20G68G61G64G64G65G20G76GE6G72G74 G66G6FG72G62G65G72G65G64G74G20G70GE5G20G61G6BG74G69G76G74G20GE5G20G66G6FG72G61G6EG64G72G65G20G73G65G6CG73G6BG61G70G65G74G20G69G20G74G72GE5G64 G6DG65G64G20 G75G74G76G69G6BG6CG69G6EG67G65G6EG20 G69G20 G73G61G6DG66G75G6EG6EG65G74G20 G6FG67G20 G69G20 G6DG61G72G6BG65G64G65G74G2E G53G61G6DG74G69G64G69G67G20 G76G69G6CG6CG65G20 G67G72G75G6EG6EG6CG61G67G65G74G20 G66G6FG72G20 G76G65G72G64G69G73G6BG61G70G65G6EG64G65 G65G6EG64G72G69G6EG67G65G72G20 G69G6BG6BG65G20 G76GE6G72G74G20 G74G69G6CG20 G73G74G65G64G65G20 G6FG6DG20 G6DG61G6EG20 G69G6BG6BG65 G73G79G73G74G65G6DG61G74G69G73G6BG20G62G79G67G67G65G74G20G76G69G64G65G72G65G20G70GE5G20G64G65G6EG20G6BG6FG6DG70G65G74G61G6EG73G65 G6FG67G20G70G6FG73G69G73G6AG6FG6EG20G73G6FG6DG20G65G72G20G62G79G67G67G65G74G20G6FG70G70G20G6FG76G65G72G20G74G69G64G2E G44G65G74G20 G6EG6FG72G73G6BG65G20 G66G69G6EG61G6EG73G6DG61G72G6BG65G64G65G74G20 G65G72G20 G64G65G20 G73G65G6EG65G72G65 GE5G72G65G6EG65G20GE5G70G6EG65G74G20G6FG70G70G20G66G6FG72G20G69G6EG74G65G72G6EG61G73G6AG6FG6EG61G6CG20G6BG6FG6EG6BG75G72G72G61G6EG73G65G2C G6FG67G20G76G69G20G73G65G72G20G65G6EG20G6BG6CG61G72G74G20GF8G6BG65G6EG64G65G20G74G65G6EG64G65G6EG73G20G74G69G6CG20G61G74G20G73G65G6CG73G6BG61G2D G70G65G72G20G6DG65G64G20G68G6FG76G65G64G6BG6FG6EG74G6FG72G20G75G74G65G6EG66G6FG72G20G4EG6FG72G67G65G20G74G61G72G20G70G6FG73G69G2D G73G6AG6FG6EG65G72G20G69G20G4EG6FG72G67G65G2EG20G53GE6G72G6CG69G67G20G67G6AG65G6CG64G65G72G20G64G65G74G74G65G20G6EG6FG72G64G69G73G6BG65 G61G6BG74GF8G72G65G72G2CG20G6FG67G20G4EG6FG72G64G65G61G2CG20G44G65G6EG20G44G61G6EG73G6BG65G20G42G61G6EG6BG2CG20G48G61G6EG2D G64G65G6CG73G62G61G6EG6BG65G6EG2CG20 G53G6BG61G6EG64G69G61G62G61G6EG6BG65G6EG2CG20 G46GF6G72G65G6EG69G6EG67G73G73G70G61G72G2D G62G61G6EG6BG65G6EG2CG20 G6FG67G20 G53G45G2DG42G61G6EG6BG65G6EG20 G65G72G20 G74G75G6EG67G74G20 G74G69G6CG20 G73G74G65G64G65G20 G69 G4EG6FG72G67G65G20 G6FG67G20 G65G72G20 G65G6BG73G65G6DG70G6CG65G72G20 G70GE5G20 G61G74G20 G67G72G65G6EG73G65G6EG65G20 G66GE5G72 G6DG69G6EG64G72G65G20 G6BG6FG6EG6BG75G72G72G61G6EG73G65G6DG65G73G73G69G67G20 G62G65G74G79G64G6EG69G6EG67G2EG20 GD8G6BG74 G6BG6FG6EG6BG75G72G72G61G6EG73G65G2CG20 G6FG67G73GE5G20 G69G6EG74G65G72G6EG61G73G6AG6FG6EG61G6CG74G2CG20 G65G72G20 G65G74G20 G67G6FG64G65 G66G6FG72G20G6BG75G6EG64G65G6EG65G2CG20G6FG67G20G67G69G72G20G6EG79G74G74G69G67G65G20G75G74G76G69G6BG6CG69G6EG67G73G69G6DG70G75G6CG2D G73G65G72G20G74G69G6CG20G20G61G6BG74GF8G72G65G6EG65G2EG20G44G65G6EG20G73G74G72G61G74G65G67G69G73G6BG65G20G6BG6FG6EG73G65G6BG76G65G6EG2D G73G65G6EG20G61G76G20G69G6EG74G65G72G6EG61G73G6AG6FG6EG61G6CG20G6BG6FG6EG6BG75G72G72G61G6EG73G65G20G65G72G20G61G74G20G6EG6FG72G73G6BG65 G61G6BG74GF8G72G65G72G2CG20G66G6FG72G20G69G6BG6BG65G20GE5G20G62G6CG69G20G70G72G65G73G73G65G74G20G6FG76G65G72G20G69G20G65G6EG20G64G65G66G65G6EG2D G73G69G76G20G66G6FG72G73G76G61G72G73G70G6FG73G69G73G6AG6FG6EG2CG20G6DGE5G20G72G65G6EG64G79G72G6BG65G20G6FG67G20G76G69G64G65G72G65G2D G75G74G76G69G6BG6CG65G20 G65G67G6EG65G20 G66G6FG72G74G72G69G6EG6EG2CG20 G73G61G6DG74G69G64G69G67G20 G73G6FG6DG20 G76G65G6BG73G74G2D Idar Kreutzer er adm.dir. i Storebrand ASA. Artikkelen er basert på foredraget ”En finansnæring i forandring” som han holdt på Den norske Forsikringsforenings forsikringskonferanse 6. november 2001. av Idar Kreutzer Storebrand og norsk finansnæring Idar Kreutzer idar.kreutzer@storebrand.no I likhet med Storebrand er de øvrige aktørene i norsk finansnæring i stor grad resultatet av en vedvarende rekke av fusjoner og oppkjøp. Restruktureringene har gått i bølger, med varierende tempo og inten- sitet. Vi må i de nærmeste 18-24 måneder være forberedt på å se nye, viktige endringer i norsk og nordisk finansnæring. NFT 1/2002 G32G32 Storebrand og norsk finansnæring G6DG75G6CG69G67G68G65G74G65G72G20G75G74G65G6EG66G6FG72G20G6CG61G6EG64G65G74G73G20G67G72G65G6EG73G65G72G20G6DGE5G20G69G64G65G6EG74G69G2D G66G69G73G65G72G65G73G2EG20 G53G74G6FG72G65G62G72G61G6EG64G20 G65G72G20 G69G64G61G67G20 G69G20 G66GF8G72G73G74G65G20 G72G65G6BG6BG65G20 G65G6E G6EG6FG72G73G6BG20 G61G6BG74GF8G72G2CG20 G6DG65G6EG20 G68G61G72G20 G69G6EG6EG65G6EG66G6FG72G20 G73G6DG61G6CG65G20 G6EG69G73G6AG65G72 G65G74G61G62G6CG65G72G74G20 G76G69G72G6BG73G6FG6DG68G65G74G20 G69G20 G53G76G65G72G69G67G65G2CG20 G44G61G6EG6DG61G72G6BG2CG20 G49G72G2D G6CG61G6EG64G2CG20G45G6EG67G6CG61G6EG64G20G6FG67G20G46G72G61G6EG6BG72G69G6BG65G2CG20G6FG67G20G68G61G72G20G76GE6G72G74G20G69G6EG69G74G69G2D G61G74G69G76G74G61G6BG65G72G20 G74G69G6CG20 G65G74G61G62G6CG65G72G69G6EG67G65G6EG20 G61G76G20 G49G66G2CG20 G73G6FG6DG20 G69G20 G64G61G67G20 G65G72 G4EG6FG72G64G65G6EG73G20G6BG6CG61G72G74G20G6CG65G64G65G6EG64G65G20G73G6BG61G64G65G66G6FG72G73G69G6BG72G69G6EG67G73G61G6BG74GF8G72G2E G4BG6FG6DG62G69G6EG61G73G6AG6FG6EG65G6EG20G61G76G20G6FG72G67G61G6EG69G73G6BG20G76G65G6BG73G74G20G67G6AG65G6EG6EG6FG6D G72G65G6EG64G79G72G6BG69G6EG67G20G6FG67G20G75G74G76G69G6BG6CG69G6EG67G20G61G76G20G65G67G6EG65G20G66G6FG72G74G72G69G6EG6EG20G68G61G72 G61G6CG6CG74G69G64G20 G67GE5G74G74G20 G70G61G72G61G6CG6CG65G6CG74G20 G6DG65G64G20 G62G65G74G79G64G65G6CG69G67G65G20 G73G74G72G75G6BG74G75G72G2D G65G6EG64G72G69G6EG67G65G72G20G69G20G66G69G6EG61G6EG73G6EGE6G72G69G6EG67G65G6EG2EG20G56G69G72G6BG73G6FG6DG68G65G74G65G72G20G73G6FG6D GF8G6EG73G6BG65G72G20GE5G20G70GE5G76G69G72G6BG65G20G6FG67G20G74G61G20G61G6BG74G69G76G20G64G65G6CG20G69G20G73G74G72G75G6BG74G75G72G65G6EG64G2D G72G69G6EG67G73G70G72G6FG73G65G73G73G65G6EG2CG20G6DGE5G20G76GE6G72G65G20G69G20G73G74G61G6EG64G20G74G69G6CG20GE5G20G69G64G65G6EG74G69G66G69G2D G73G65G72G65G2CG20G61G6EG61G6CG79G73G65G72G65G20G6FG67G20G66G6FG72G73G74GE5G20G64G65G20G74G72G65G6BG6BG20G73G6FG6DG20G64G72G69G76G65G72 G75G74G76G69G6BG6CG69G6EG67G65G6EG2CG20 G73G61G6DG74G20 G76GE6G72G65G20 G66G6FG72G62G65G72G65G64G74G20 G70GE5G20 GE5G20 G61G67G65G72G65 G72G61G73G6BG74G20G6EGE5G72G20G73G69G74G75G61G73G6AG6FG6EG65G6EG20G74G69G6CG73G69G65G72G20G64G65G74G2E En industri i forandring G45G6EG20G72G65G6BG6BG65G20G66G61G6BG74G6FG72G65G72G20G70G72G65G67G65G72G20G72G65G73G74G72G75G6BG74G75G72G65G72G69G6EG67G65G6EG20G76G69 G73G65G72G20G69G20G65G75G72G6FG70G65G69G73G6BG20G6FG67G20G6EG6FG72G64G69G73G6BG20G66G69G6EG61G6EG73G6EGE6G72G69G6EG67G2EG20G4AG65G67 G76G69G6CG20G73GE6G72G6CG69G67G20G74G72G65G6BG6BG65G20G66G72G65G6DG20G74G72G65G20G66G6FG72G68G6FG6CG64G3A 1. Demografi og velstandsvekst G45G75G72G6FG70G65G69G73G6BG20 G66G69G6EG61G6EG73G6EGE6G72G69G6EG67G20 G70GE5G76G69G72G6BG65G73G20 G61G76G20 G65G6EG64G72G69G6EG2D G67G65G72G20G69G20G64G65G6DG6FG67G72G61G66G69G20G6FG67G20G69G20G64G65G20G65G6EG6BG65G6CG74G65G20G6CG61G6EG64G73G20G76G65G6CG66G65G72G64G73G2D G73G79G73G74G65G6DG65G72G2EG20GD8G6EG73G6BG65G74G20G6FG6DG20G6FG67G20G62G65G68G6FG76G65G74G20G66G6FG72G20G6CG61G6EG67G73G69G6BG2D G74G69G67G20G73G70G61G72G69G6EG67G20G65G72G20G73G70G75G6EG6EG65G74G20G75G74G20G61G76G20G73G70GF8G72G73G6DGE5G6CG20G6BG6EG79G74G74G65G74 G74G69G6CG20 G72G6FG6CG6CG65G66G6FG72G64G65G6CG69G6EG67G65G6EG20 G6DG65G6CG6CG6FG6DG20 G64G65G6EG20 G65G6EG6BG65G6CG74G65G20 G69G6EG6EG2D G62G79G67G67G65G72G20 G6FG67G20 G64G65G74G20 G6FG66G66G65G6EG74G6CG69G67G65G2EG20 G4CG61G76G65G72G65G20 G66GF8G64G73G65G6CG73G74G61G6CG6C G6FG67G20G65G6EG20G73G74G69G67G65G6EG64G65G20G61G6EG64G65G6CG20G65G6CG64G72G65G20G69G20G62G65G66G6FG6CG6BG6EG69G6EG67G65G6EG20G68G61G72 G72G65G69G73G74G20G73G70GF8G72G73G6DGE5G6CG20G76G65G64G20G73G74G61G74G65G6EG73G20G65G76G6EG65G20G74G69G6CG20GE5G20G66G69G6EG61G6EG73G69G65G72G65 G66G72G65G6DG74G69G64G69G67G65G20G70G65G6EG73G6AG6FG6EG73G69G6EG6EG62G65G74G61G6CG69G6EG67G65G72G2EG20G4AG65G67G20GF8G6EG73G6BG65G72 G69G6BG6BG65G20 GE5G20 G73G6BG61G70G65G20 G74G76G69G6CG20 G6FG6DG20 G66G72G65G6DG74G69G64G69G67G65G20 G70G65G6EG73G6AG6FG6EG73G2D G75G74G62G65G74G61G6CG69G6EG67G65G72G20G69G20G76GE5G72G74G20G65G67G65G74G20G6CG61G6EG64G2CG20G6DG65G6EG20G6BG61G6EG20G73G6CGE5G20G66G61G73G74 G61G74G20 G73G74G61G64G69G67G20 G66GE6G72G72G65G20 G76G69G6CG20 G76GE6G72G65G20 G74G69G6CG66G72G65G64G73G20 G6DG65G64G20 G64G65G6E G75G74G62G65G74G61G6CG69G6EG67G65G6EG20G46G6FG6CG6BG65G74G72G79G67G64G65G6EG20G73G69G6BG72G65G72G20G64G65G6EG20G65G6EG6BG65G6CG74G65G2E G44G65G72G6DG65G64G20 G65G72G20 G64G65G74G20 G6EGE6G72G69G6EG67G65G6EG73G20 G75G74G66G6FG72G64G72G69G6EG67G20 GE5G20 G74G69G6CG62G79 G70G72G6FG64G75G6BG74G65G72G20 G6FG67G20 G74G6AG65G6EG65G73G74G65G72G20 G73G6FG6DG20 G6BG6FG6DG70G65G6EG73G65G72G65G72G20 G66G6FG72 G67G61G70G65G74G20G6DG65G6CG6CG6FG6DG20G75G74G62G65G74G61G6CG69G6EG67G65G6EG65G20G66G72G61G20G64G65G74G20G6FG66G66G65G6EG74G6CG69G67G65 G6FG67G20G64G65G6EG20G65G6EG6BG65G6CG74G65G73G20GF8G6EG73G6BG65G64G65G20G76G65G6CG66G65G72G64G73G6EG69G76GE5G2EG20G44G65G74G74G65 G72G65G70G72G65G73G65G6EG74G65G72G65G72G20 G65G6EG20 G6DG61G72G6BG65G72G74G20 G76G65G6BG73G74G69G6DG70G75G6CG73G2E 2. Teknologisk utvikling G44G65G6EG20 G74G65G6BG6EG6FG6CG6FG67G69G73G6BG65G20 G75G74G76G69G6BG6CG69G6EG67G65G6EG20 G68G61G72G20 G68G65G6CG65G20 G74G69G64G65G6E G62G69G64G72G61G74G74G20 G74G69G6CG20 GE5G20 G73G6BG61G70G65G20 G6EG79G65G20 G72G61G6DG6DG65G72G20 G66G6FG72G20 G66G69G6EG61G6EG73G2D G6EGE6G72G69G6EG67G65G6EG2EG20G50GE5G20G70G72G6FG64G75G6BG74G73G69G64G65G6EG20G72G65G64G75G73G65G72G65G72G20G6EG79G20G74G65G6BG2D G6EG6FG6CG6FG67G69G20G74G69G64G65G6EG20G66G6FG72G20G75G74G76G69G6BG6CG69G6EG67G20G6FG67G20G69G6DG70G6CG65G6DG65G6EG74G65G72G69G6EG67 G61G76G20 G6EG79G65G20 G74G69G6CG62G75G64G2EG20 G94G54G69G6DG65G20 G74G6FG20 G6DG61G72G6BG65G74G94G20 G66G6FG72G20 G65G6EG6BG65G6CG74G65 G6EG79G65G20 G70G72G6FG64G75G6BG74G65G72G20 G65G72G20 G67GE5G74G74G20 G6EG65G64G20 G66G72G61G20 GE5G72G20 G74G69G6CG20 G75G6BG65G72G2E G50G72G6FG64G75G6BG74G65G6EG65G73G20 G6CG65G76G65G74G69G64G20 G72G65G64G75G73G65G72G65G73G2E G4EG79G20 G74G65G6BG6EG6FG6CG6FG67G69G20 G70GE5G76G69G72G6BG65G72G20 G6FG67G73GE5G20 G6DGE5G74G65G6EG20 G64G65G74G20 G65G6EG2D G6BG65G6CG74G65G20G73G65G6CG73G6BG61G70G20G6BG6FG6DG6DG75G6EG69G73G65G72G65G72G20G6DG65G64G20G73G69G6EG65G20G6BG75G6EG64G65G72G2E G53G74G69G6BG6BG6FG72G64G65G6EG65G20 G65G72G20 G65G6EG6BG65G6CG68G65G74G20 G6FG67G20 G74G69G6CG67G6AG65G6EG67G65G6CG69G67G68G65G74G3B G47G6AG65G6EG6EG6FG6DG20G6EG79G65G20G73G79G73G74G65G6DG70G6CG61G74G74G66G6FG72G6DG65G72G20G66G72G65G6DG73G6BG61G66G66G65G73 G66G75G6CG6CG73G74G65G6EG64G69G67G65G20G6FG76G65G72G73G69G6BG74G65G72G20G6FG76G65G72G20G64G65G6EG20G65G6EG6BG65G6CG74G65G20G6BG75G6EG2D G47G6CG6FG62G61G6CG69 G73G65G72G69G6EG67G2F G64G65G72G65G67G75G6CG65G72G69 G6EG67 G42G72G61G6EG73G6AG65 G2D G67G6CG69G64G6EG69G6EG67 G4DG6FG64G6EG65 G6DG61G72G6BG65G64G65G72 G44G65G6DG6FG67G72G61G66G69 G54G65G6BG6EG6FG6CG6FG67G69G73G6BG65 G65G6EG64G72G69G6EG67G65G72 G45G6EG64G72G65G74 G20G6BG75G6EG64G65 G2D G61G64G66G65G72G64G2F G70G72G65 G66G65G72G65G6EG73G65 G72 G20 GD8G6BG74G65G20G6BG61G70G69G74G61G6CG2D G6DG61G72G6BG65G64G73G6BG72G61G76 G45G6EG64G72G69G6EG67G20G61G76 G76G65G6CG66G65G72G64G73G73G79G73G74G65G6D Fig. 1. 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Udgave:
1, 2002
Språk: Internasjonal
Kategori:
Artikler før 2014
Bilaga