If you are visually impaired or blind, you can visit the PDF version by Pressing CONTROL + ALT + 4
<br /> WINTER 2015<br /> WWW.THE–FINANCEDIRECTOR.COM<br /> FDE<br /> briefings:<br /> London, Stockholm<br /> and Helsinki<br /> Portfolio<br /> transformation<br /> Tapio Korpeinen explains UPM's<br /> move from European paper<br /> giant to global Biofore leader<br /> ALSO IN THIS ISSUE:<br /> FDs from Standard Life and O2 on<br /> harnessing the new digital landscape<br /> HCM: Bill Huffaker, General Motors • Globalisation: Robin Brown, United Biscuits • Viewpoint: LMA Finance Committee<br /> ALD Automotive is the largest European<br /> player in the full operational leasing and fleet<br /> management industry. A pioneer in mobility solutions,<br /> ALD Automotive is continuously innovating to be able<br /> to guarantee the best products to its customers, to<br /> support fleet managers on their daily work and to provide<br /> drivers with the solutions that best fit their needs.<br /> aldautomotive.com<br /<a title="FDE Winter 2015 page 1" href="http://viewer.zmags.com/publication/48227ae2?page=1"> WINTER 2015 WWW.THE–FINANCEDIRECTOR.</a> <a title="FDE Winter 2015 page 2" href="http://viewer.zmags.com/publication/48227ae2?page=2"> ALD Automotive is the largest </a> <a title="FDE Winter 2015 page 3" href="http://viewer.zmags.com/publication/48227ae2?page=3"> Foreword On the web... Find thought leadership, </a> <a title="FDE Winter 2015 page 4" href="http://viewer.zmags.com/publication/48227ae2?page=4"> URI. at the Gotthard </a> <a title="FDE Winter 2015 page 5" href="http://viewer.zmags.com/publication/48227ae2?page=5"> Contents In this issue... Cover story 32 </a> <a title="FDE Winter 2015 page 6" href="http://viewer.zmags.com/publication/48227ae2?page=6"> geb.com </a> <a title="FDE Winter 2015 page 7" href="http://viewer.zmags.com/publication/48227ae2?page=7"> Contents 28 What's your 2020 vision? </a> <a title="FDE Winter 2015 page 8" href="http://viewer.zmags.com/publication/48227ae2?page=8"> The intelligence > News & vital statistics News</a> <a title="FDE Winter 2015 page 9" href="http://viewer.zmags.com/publication/48227ae2?page=9"> The intelligence > News & vital statistics RESE</a> <a title="FDE Winter 2015 page 10" href="http://viewer.zmags.com/publication/48227ae2?page=10"> The intelligence > News & vital statistics AWA</a> <a title="FDE Winter 2015 page 11" href="http://viewer.zmags.com/publication/48227ae2?page=11"> NEW CAMPUS FOR 2017 FRANKFURT THE FUTU</a> <a title="FDE Winter 2015 page 12" href="http://viewer.zmags.com/publication/48227ae2?page=12"> INTELLIGENCE IMPACT Oxford Chicago Valuation</a> <a title="FDE Winter 2015 page 13" href="http://viewer.zmags.com/publication/48227ae2?page=13"> Event > Helsinki dinner Gear shift At the inaugur</a> <a title="FDE Winter 2015 page 14" href="http://viewer.zmags.com/publication/48227ae2?page=14"> Events > Breakfast meeting Deal with it How does </a> <a title="FDE Winter 2015 page 15" href="http://viewer.zmags.com/publication/48227ae2?page=15"> Events > Breakfast meeting aspect of society, b</a> <a title="FDE Winter 2015 page 16" href="http://viewer.zmags.com/publication/48227ae2?page=16"> Events > Breakfast briefing An effective investm</a> <a title="FDE Winter 2015 page 17" href="http://viewer.zmags.com/publication/48227ae2?page=17"> Events > Breakfast briefing In the age of a</a> <a title="FDE Winter 2015 page 18" href="http://viewer.zmags.com/publication/48227ae2?page=18"> Insight > Digital innovation Assure </a> <a title="FDE Winter 2015 page 19" href="http://viewer.zmags.com/publication/48227ae2?page=19"> Insight > Digital innovation the fundamental c</a> <a title="FDE Winter 2015 page 20" href="http://viewer.zmags.com/publication/48227ae2?page=20"> Insight > Digital innovation online now – and </a> <a title="FDE Winter 2015 page 21" href="http://viewer.zmags.com/publication/48227ae2?page=21"> 15 16 MARCH 2016 ExCeL LONDON Tickets</a> <a title="FDE Winter 2015 page 22" href="http://viewer.zmags.com/publication/48227ae2?page=22"> Company insight > Digital innovation The need f</a> <a title="FDE Winter 2015 page 23" href="http://viewer.zmags.com/publication/48227ae2?page=23"> Company insight > Digital innovation you're goi</a> <a title="FDE Winter 2015 page 24" href="http://viewer.zmags.com/publication/48227ae2?page=24"> Insight > Digital innovation Are you a digital </a> <a title="FDE Winter 2015 page 25" href="http://viewer.zmags.com/publication/48227ae2?page=25"> Insight > Digital innovation vulnerable to disr</a> <a title="FDE Winter 2015 page 26" href="http://viewer.zmags.com/publication/48227ae2?page=26"> Company insight > Digital innovation Simplicity</a> <a title="FDE Winter 2015 page 27" href="http://viewer.zmags.com/publication/48227ae2?page=27"> Company insight > Digital innovation Fiori can r</a> <a title="FDE Winter 2015 page 28" href="http://viewer.zmags.com/publication/48227ae2?page=28"> Insight > Digital innovation What's your 2020 v</a> <a title="FDE Winter 2015 page 29" href="http://viewer.zmags.com/publication/48227ae2?page=29"> Insight > Digital innovation Tunc Tezel, f</a> <a title="FDE Winter 2015 page 30" href="http://viewer.zmags.com/publication/48227ae2?page=30"> Company insight > Digital innovation Check-in a</a> <a title="FDE Winter 2015 page 31" href="http://viewer.zmags.com/publication/48227ae2?page=31"> Company insight > Digital innovation © Fotostudi</a> <a title="FDE Winter 2015 page 32" href="http://viewer.zmags.com/publication/48227ae2?page=32"> The big interview > Tapio Korpeinen Portfolio t</a> <a title="FDE Winter 2015 page 33" href="http://viewer.zmags.com/publication/48227ae2?page=33"> The big interview > Tapio Korpeinen D </a> <a title="FDE Winter 2015 page 34" href="http://viewer.zmags.com/publication/48227ae2?page=34"> The big interview > Tapio Korpeinen </a> <a title="FDE Winter 2015 page 35" href="http://viewer.zmags.com/publication/48227ae2?page=35"> The big interview > Tapio Korpeinen renewable b</a> <a title="FDE Winter 2015 page 36" href="http://viewer.zmags.com/publication/48227ae2?page=36"> Insight > Human capital management Take charge </a> <a title="FDE Winter 2015 page 37" href="http://viewer.zmags.com/publication/48227ae2?page=37"> Insight > Human capital management presents to </a> <a title="FDE Winter 2015 page 38" href="http://viewer.zmags.com/publication/48227ae2?page=38"> Company insight > Human capital management Lend</a> <a title="FDE Winter 2015 page 39" href="http://viewer.zmags.com/publication/48227ae2?page=39"> Company insight > Human capital management I've</a> <a title="FDE Winter 2015 page 40" href="http://viewer.zmags.com/publication/48227ae2?page=40"> Insight > Treasury & cash management National ser</a> <a title="FDE Winter 2015 page 41" href="http://viewer.zmags.com/publication/48227ae2?page=41"> Insight > Treasury & cash management “When</a> <a title="FDE Winter 2015 page 42" href="http://viewer.zmags.com/publication/48227ae2?page=42"> Company insight > Treasury & cash management A </a> <a title="FDE Winter 2015 page 43" href="http://viewer.zmags.com/publication/48227ae2?page=43"> Company insight > Treasury & cash management pl</a> <a title="FDE Winter 2015 page 44" href="http://viewer.zmags.com/publication/48227ae2?page=44"> Insight > Fleet & mobility management The fleet a</a> <a title="FDE Winter 2015 page 45" href="http://viewer.zmags.com/publication/48227ae2?page=45"> Insight > Fleet & mobility management scenario.</a> <a title="FDE Winter 2015 page 46" href="http://viewer.zmags.com/publication/48227ae2?page=46"> Adaptability Flexibility Innovation The world i</a> <a title="FDE Winter 2015 page 47" href="http://viewer.zmags.com/publication/48227ae2?page=47"> Company insight > Fleet & mobility management T</a> <a title="FDE Winter 2015 page 48" href="http://viewer.zmags.com/publication/48227ae2?page=48"> Insight > Globalisation United we stand When a T</a> <a title="FDE Winter 2015 page 49" href="http://viewer.zmags.com/publication/48227ae2?page=49"> Insight > Globalisation The brand began in </a> <a title="FDE Winter 2015 page 50" href="http://viewer.zmags.com/publication/48227ae2?page=50"> Insight > Globalisation biscuit manufacturers i</a> <a title="FDE Winter 2015 page 51" href="http://viewer.zmags.com/publication/48227ae2?page=51"> </a> <a title="FDE Winter 2015 page 52" href="http://viewer.zmags.com/publication/48227ae2?page=52"> Insight > Globalisation Africa and beyond for </a> <a title="FDE Winter 2015 page 53" href="http://viewer.zmags.com/publication/48227ae2?page=53"> do – but even in biscuits there are still many va</a> <a title="FDE Winter 2015 page 54" href="http://viewer.zmags.com/publication/48227ae2?page=54"> Company insight > Globalisation Helsinki: a hub</a> <a title="FDE Winter 2015 page 55" href="http://viewer.zmags.com/publication/48227ae2?page=55"> Company insight > Globalisation Zalando is exp</a> <a title="FDE Winter 2015 page 56" href="http://viewer.zmags.com/publication/48227ae2?page=56"> Company insight > Globalisation World-class ICT</a> <a title="FDE Winter 2015 page 57" href="http://viewer.zmags.com/publication/48227ae2?page=57"> Insight > Viewpoint Market modernisation Senio</a> <a title="FDE Winter 2015 page 58" href="http://viewer.zmags.com/publication/48227ae2?page=58"> Insight > Viewpoint technology kicking and scre</a> <a title="FDE Winter 2015 page 59" href="http://viewer.zmags.com/publication/48227ae2?page=59"> </a> <a title="FDE Winter 2015 page 60" href="http://viewer.zmags.com/publication/48227ae2?page=60"> www.volkswagenleasing.de/internationalfleet </a>