Vous devriez reposter votre réponse : c'est ça ici.
"Groupama a retenu une immobilisation de capital à hauteur de 100% de la marge de solvabilité minimum imposée par la réglementation européenne actuellement [...]
corporate.groupama.com
Groupama has locked-in a capital representing 100% of the minimum solvency margin required by European regulations currently in force (Solvency I).
http://en.groupama.comLe conteste ici : HP document sur les avantages de leur service Cloud pour SAP
"The target is to reduce capital expenditure onIT infrastructure by switching to operational software-as-a-service or application-as-a-service models. "
"Flexible capacity on demand—By developing standardized deployments and virtualizing them, we are able to ramp up and ramp down compute resources based on your business priorities. This will ensure there is no capital lock-in, and you are able to meet market demands in a timely manner."