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The objective of the FAIS Ombud is to consider and dispose of complaints by clients against financial services providers in the terms of the FAIS Act.
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The mission of the Ombudsman for Long-term Insurance is to mediate in disputes between the subscribing members of the industry and policyholders.
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From The Glossary »

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Return on capital employed (ROCE):

Indicator of profitability of the firm's capital investments. Determined by dividing Earnings Before Interest and Taxes by (capital employed plus short-term loans minus intangible assets). The idea is that this ratio should at least be greater than the cost of borrowing.
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