Our mission is to provide decision-makers in financial services with reliable and effective financial market intelligence and analysis. We act as the objective partner and source for both providers and users of financial services in Scandinavia. Our mission is to assist you to achieve better performance in this market. SFR was founded in 1990 by leading finance professors with extensive global expertise and experience in corporate banking and investment services. Over the years SFR’s research has proved to be an important tool for strategic planning among the major players in Scandinavian financial markets. We have worked as a reliable partner in several strategic considerations, and seen our clients prosper. Our Advisory Board is unique in structure combining local knowledge with international perspective. Board members have an active role in keeping our research focus and product development up-to-date. In addition these leading experts are available for special consulting projects. Ingo Walter, Chairman, USA Professor of Applied Financial Economics, NYU Stern School of Business, New York University. Martin J. Gruber, USA Professor of Finance, NYU Stern School of Business, New York University. Director of several major mutual funds. Pekka Hietala, Finland/ Europe Professor of Finance, INSEAD, France. Former Dean of the MBA Programme, INSEAD. Virpi Tuunainen, Finland Professor of Information Systems Science, HSE Helsinki School of Economics. Kaisa Vikkula, Dr. Econ (HSE) Director and Member of the Working Board, Finnair. Dr Annukka Paloheimo is a founding partner of SFR, and Managing Director since 1996. She graduated from Helsinki School of Economics (HSE) in Information Systems Science and International Management, and moved onto New York University Stern School of Business to gain her Ph.D in Corporate Strategy and International Business. Before joining SFR she worked as Senior Strategist at Kansallis Bank, Finland.