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Kpmg for Gsm.Pdf
WHO we are The wider community Our values We do what is right INTEGRITY REVENUES BY FUNCTION A business should be about more than making profits. It should also be a positive 39.1 mil force within the community, contributing to the well-being of society as a whole. For We never stop learning and improving EXCELLENCE KPMG, supporting our community is at the heart of our values and is fundamental to the 28% 30% 48% way we do business. We encourage our employees to participate in corporate social Advisory Tax Audit responsibility activities. KPMG firms have We think and act boldly COURAGE We respect each other partnered with numerous international development agencies and non-governmental organizations to pioneer a model of professional cooperation. TOGETHER We draw strength from our differences 850 Win-green situations We do what matters For Better Employees KPMG is committed to integrating environmental best practice into all of our business activities. We take our Offices in environmental responsibility seriously, and, 19 through a program of continous Romania improvement throughout all our operations, Partners we are working hard to reduce our impact on the environment. KPMG in Romania has implemented an Environmental Policy since 2008 and we obtained the ISO 14001 certification in 2009, demonstrating that KPMG in Romania meets the requirements for an Environmental Management System (EMS).And we didn`t stop here. To find out more about our actions, including volunteering, tree planting, donations, education and much more, please visit our -
Outlooks on Five Spanish Financial Groups and Three European Bank Branches Revised Following Outlook Revision on Spain
Outlooks On Five Spanish Financial Groups And Three European Bank Branches Revised Following Outlook Revision On Spain Primary Credit Analyst: Elena Iparraguirre, Madrid (34) 91-389-6963; [email protected] Secondary Contacts: Luigi Motti, Madrid (34) 91-788-7234; [email protected] Carlos Cobo, Madrid +34 91 788 72 32; [email protected] Fabio Mostacci, Madrid +34 91 788 72 09; [email protected] Alexander Ekbom, Stockholm (46) 8-440-5911; [email protected] Nigel Greenwood, London (44) 20-7176-7211; [email protected] Thierry Grunspan, Paris (33) 1-4420-6739; [email protected] E.Robert Hansen, CFA, New York (1) 212-438-7402; [email protected] • On Nov. 29, 2013, Standard & Poor's revised the outlook on the long-term sovereign credit rating on Spain to stable from negative. • Spanish banks continue to rebalance their funding profiles. They are reducing their reliance on funding from the ECB and foreign sources, increasing the weight of more stable domestic retail funding in the mix, and sharply reducing the cost of domestic deposits. We expect this trend to continue, particularly in the context of stabilizing sovereign creditworthiness. • We now see a stable trend for industry risk in Spain. We continue to view the trend for economic risk as stable. • We are revising to stable from negative the outlooks on four Spanish banking groups and three branches of European banks, and to positive from stable the outlook on one institution. We are maintaining negative outlooks on six other Spanish banking groups. • In three cases, the stable outlooks reflect the diminishing likelihood of a rating downgrade as risks in the operating environment in Spain are abating. -
O-SII Notification
Notification template for Article 131 CRD – Other Systemically Important Institutions (O-SII) Please send this template to • [email protected] when notifying the ESRB; • [email protected] when notifying the ECB; • [email protected] when notifying the EBA. Emailing this template to the above-mentioned addresses constitutes an official notification, no further official letter is required. In order to facilitate the work of the notified authorities, please send the notification template in a format that allows electronically copying the information. 1. Notifying national authority 1.1 Name of the notifying National Committee for Macroprudential Oversight authority 2. Description of the measure Based on data available as of 31 March 2017, 9 credit institutions Romanian legal entities obtained a score higher than the threshold set for automatic designation of systemically important institutions (275 basis points). The re-evaluation based on June 2017 available data generated the same results. The name and LEI code of the systemically important institutions identified in Romania are provided below. Banca Comercială Română S.A. – LEI code 549300ORLU6LN5YD8X90 BRD - Groupe Societe Generale S.A. – LEI code 5493008QRHH0XCLJ4238 2.1 Concerned institution UniCredit Bank S.A. – LEI code 5493003BDYD5VPGUQS04 or group of institutions Raiffeisen Bank S.A. – LEI code 549300RFKNCOX56F8591 Banca Transilvania S.A. – LEI code 549300RG3H390KEL8896 Alpha Bank România S.A. – LEI code 529900TKT32Z5LP7XF90 CEC Bank S.A. – LEI code 2138008AVF4W7FMW8W87 Bancpost S.A. – LEI code 549300GM6AMB2XDWNC96 Garanti Bank S.A. – LEI code 549300UZRCTIM0HREY46 An O-SII buffer applicable in 2018 is set for the systemically important institutions which are Romanian legal entities. -
Corporate Presentation
CaixaBank + Bankia Creating value for all stakeholders 18 September 2020 Disclaimer The information contained in this presentation may not be used as the basis to enter into any contract or as such, should not be relied upon. Certain financial and statistical information contained in the presentation is agreement and nothing herein constitutes an offer, invitation or recommendation to engage in investment in the subject to rounding adjustments. Accordingly, any discrepancies between the totals and the sums of the amounts shares, or any other financial instrument, of CaixaBank, S.A. (“CaixaBank”), especially in the United States, the listed are due to rounding. United Kingdom, Canada, Japan, Australia or any other country where the purchase and sale of these shares is Neither this presentation nor the historical performance of CaixaBank’s management team constitute a guarantee prohibited under applicable legislation. The distribution of this presentation in certain jurisdictions may be of the future performance of CaixaBank and there can be no assurance that CaixaBank’s management team will be restricted by law. Consequently, persons to which this presentation is distributed must inform themselves about successful in implementing the investment strategy of CaixaBank. In addition to the financial information prepared and observe such restrictions. By receiving this presentation the recipient agrees to observe any such restrictions. under IFRS, this presentation may include certain alternative performance measures (“APMs”) as defined in the This presentation may include forward-looking statements, projections, objectives, estimates and forecasts which Guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority on 5 have not been verified by an independent entity, and the accuracy, completeness or correctness thereof should October 2015. -
POR SER TÚ TIENES MÁS VENTAJAS. Conoce Los Productos Básicos Y Gratuitos Dependiendo De Tu Edad
POR SER TÚ TIENES MÁS VENTAJAS. Conoce los productos básicos y gratuitos dependiendo de tu edad. Pack muy joven. (De 14 a 17 años) • POR SER TÚ(1) no pagas comisiones: • En todas tus cuentas a la vista. • No pagas cuotas de todas las tarjetas de débito Bankia habituales. • De transferencias por cualquier canal y para cualquier importe. • Por el ingreso de cheques nacionales en todas tus cuentas. • Oficina Internet gratis. • Acceso al Club Descuentos. Pack realmente joven. (De 18 a 25 años) • POR SER TÚ(1) y tener la correspondencia exclusiva por internet no pagas comisiones: • En todas tus cuentas a la vista. • No pagas cuotas de todas las tarjetas de débito Bankia habituales. • De transferencias por cualquier canal y para cualquier importe. • Por el ingreso de cheques nacionales en todas tus cuentas. • Oficina Internet gratis. • Acceso al Club Descuentos. Pack siempre joven. • POR SER TÚ(1) y tener tus ingresos domiciliados(2) te hemos eliminado las comisiones: • En todas tus cuentas a la vista. • No pagas cuotas de todas las tarjetas de débito Bankia habituales. • Ni de tus tarjetas de crédito Bankia(3). • Por retirar efectivo a débito en más de 17.800 cajeros. Totalmente gratis en cajeros Bankia y hasta 4 veces al mes por cliente en Euro 6000(4) y Banco Sabadell. • De transferencias por cualquier canal y para cualquier importe. • Por el ingreso de cheques nacionales en todas tus cuentas. • Oficina Internet gratis. • Acceso al Club Descuentos. Entra ahora en joven.bankia.es y descubre todas las ventajas que te ofrecemos. 1. Según condiciones generales, disponibles además en oficinas Bankia y bankia.es 2. -
European Npls - FY18 an Overview of the Non-Performing Loan Market
An Acuris Company Year-End 2018 European NPLs - FY18 An overview of the non-performing loan market Alessia Pirolo Head of NPL Coverage, Debtwire +44 (0) 20 3741 1399 [email protected] Amy Finch Data Journalist, Debtwire +44 (0) 20 3741 1187 [email protected] European NPLs – FY18 An Acuris Company Overview: A Record Year for NPL sales 3-7 Trends by Country Italy 8-13 Spain 14-17 New Entries: Portugal, Greece and Cyprus 18-24 UK and Ireland 25-28 Germany 29-30 Index List of closed deals 31-40 Criteria 41 Authors and contact details 42 2 European NPLs – FY18 An Acuris Company A Record Year for NPL sales The European non-performing loan (NPL) market reached its peak in 2018 with disposal totalling EUR 205.1bn in gross book value (GBV). Debtwire NPL Database tracked 142 transactions. The year just closed has been by far a record, compared with EUR 144bn in 2017 and EUR 107bn in 2016, according to data from Deloitte. The last quarter of 2018 saw a particularly intense pace of activity, given that at the end of the third quarter closed deals totalled EUR 125bn. The most active country was Italy, which totalled half of the total volume of NPL sales. In 2018, 64 NPL sales with a gross book value (GBV) of EUR 103.6bn were tracked in the country, almost half of which were via securitisations within the government’s Garanzia sulla Cartolarizzazione delle Sofferenze (GACS) scheme, which now has only until 6 March 2019 to run. Spain has started to see a slowdown of sales, but still completed a massive EUR 43.2bn in 27 deals. -
Banco Sabadell * Caja Mar * Banco Santander * Deutsche Bank * Bankia * Globalcaja * Bankinter * Ibercaja * Caixa Bank * Liberbank * Eurocaja Rural * Unicaja
E D I C T O El Alcalde-Presidente del Ayuntamiento de TARANCÓN . H A C E S A B E R: 1º.- Que desde el 1 de Septiembre al 02 de Noviembre próximo, tendrá lugar el segundo período de la cobranza voluntaria del ejercicio 2020 de las siguientes exacciones, cuya gestión está encomendada al Organismo Autónomo de Gestión Tributaria y Recaudación de la Excma. Diputación Provincial de Cuenca: - IMPUESTO SOBRE ACTIVIDADES ECONÓMICAS. - BASURAS, PERIODOS 2020/1 Y 2020/2 - TRATAMIENTO DE RESIDUOS , PERIODOS 2020/1 Y 2020/2 - ENTRADA DE VEHÍCULOS Y VADOS (PORTADAS) PERIODO 2020 - DEPURADORA, PERIODOS 2020/1 Y 2020/2 2º.- El sistema a utilizar para el pago de los citados recibos será el siguiente: Los contribuyentes que hubiesen domiciliado, dentro de plazo, el pago de sus tributos locales, recibirán en su domicilio el recibo de adeudo por domiciliación expedido por la entidad bancaria respectiva. El cargo en cuenta tendrá lugar el día 5 de Octubre de 2020. Aquellos que no hubiesen domiciliado el pago, recibirán por correo los documentos necesarios para hacerlo efectivo. El ingreso podrá realizarse, hasta la fecha límite de pago, en cualquier oficina de las entidades de depósito que se citan a continuación: * BANCO SABADELL * CAJA MAR * BANCO SANTANDER * DEUTSCHE BANK * BANKIA * GLOBALCAJA * BANKINTER * IBERCAJA * CAIXA BANK * LIBERBANK * EUROCAJA RURAL * UNICAJA Los contribuyentes que deseen satisfacer sus recibos a través de internet pueden realizar el pago accediendo a la página www.oarcuenca.es, apartado contribuyentes pago de tributos. Los pagos se efectuarán, dentro del período establecido, en los días y horario marcado por cada una de las entidades citadas. -
Corporate Presentation 4Q 2020 Disclaimer
Corporate Presentation 4Q 2020 Disclaimer The purpose of this presentation is purely informative and should not be considered as a service or offer of any CaixaBank and by the rest of the Group companies it may contain certain adjustments and reclassifications in financial product, service oradvice, nor should it be interpreted as, an offer to sell orexchange oracquire, oran order to harmonize the accounting principles and criteria followed by such companies with those followed by invitation for offers to buy securities issued by CaixaBank, S.A. (“CaixaBank”) orany of the companies mentioned CaixaBank. Accordingly, and particularly in the case of Banco Português de Investimento (“BPI”), the relevant herein. The information contained herein is subject to, and must be read in conjunction with, all other publicly data included in this presentation may differ from those included in the relevant financial information as available information. Any person atany time acquiring securities must do so onlyon the basis of such person’s published byBPI. own judgment as to the merits or the suitability of the securities for its purpose and only on such information as In particular, regarding the data provided by third parties, neither CaixaBank, nor any of its administrators, is contained in such public information set out in the relevant documentation filed by the issuer in the context of directors or employees, either explicitly or implicitly, guarantees that these contents are exact, accurate, such specific offer or issue and after taking any professional or any other advice as it deems necessary or comprehensive or complete, nor are they obliged to keep them updated, nor to correct them in the case that any appropriate under the relevant circumstances and not in reliance on the information contained in this presentation. -
Entidades Financieras
ENTIDADES BANCO COOPERATIVO ESPAÑOL CAJAS RURALES UNIDAS, SDAD.COOP.CDTO. 28 IBERAVAL 3001 CAJA RURAL DE ALMENDRALEJO 49 SANTANDER CENTRAL HISPANO 3005 CAJA RURAL CENTRAL 3045 CAJA RURAL ALTEA 65 BARCLAYS BANK (BCO.ZARAGOZANO) 3007 CAJA RURAL GIJON 3057 CAJA RURAL ALICANTE 69 BANCO DE MURCIA - CAIXABANK 3008 CAJA RURAL NAVARRA 3058 CAJAMAR CAJA RURAL 93 BANCO DE VALENCIA - CAIXABANK 3009 CAJA RURAL EXTREMADURA 3061 CAJA RURAL CREDICOOP 128 BANKINTER 3016 CAJA RURAL SALAMANCA 3072 CAJA RURAL DE MALAGA 182 BANCO BILBAO VIZCAYA ARGENTARIA 3017 CAJA RURAL SORIA 3082 RURALCAJA - CAJAMAR (3057 + 3061) 486 BANCO GRUPO CAJA3 3018 C.R.SAN AGUSTIN FUENTE ALAMO 3083 CAJA RURAL DEL DUERO 487 BANCO MARE NOSTRUM 3020 CAJA RURAL UTRERA 3094 CAJA CAMPO 490 BANCA CIVICA - CAIXABANK 3021 CAJA RURAL DEL JALON 3095 CAJA RURAL SAN ROQUE 2010 M.P Y C. GRAL DE A. DE BADAJOZ - CAJA3 3022 CAJA RURAL FUENTEPELAYO 3102 CAJA RURAL SAN VICENTE FERRER 2013 CAIXA CATALUNYA - CATALUNYA BANK 3023 CAJA RURAL GRANADA 3105 CAJA RURAL CALLOSA D`EN SARRIA 2017 CAJA CIRCULO - CAJA3 3056 CAJA RURAL ALBACETE (3190) 3110 CAJA RURAL CATOLICO AGRARIA 2018 CAJA BURGOS -CAIXABANK 3059 CAJA RURAL ASTURIAS 3112 CAJA RURAL SAN JOSE DE BURRIANA 2030 CAIXA GIRONA - CAIXABANK 3060 CAJA RURAL BURGOS 3118 CAJA RURAL DE TORRENT 2031 CAJA GENERAL DE GRANADA - MARE NOSTRUM 3062 CAJA RURAL CIUDAD REAL (3190) 3119 CAJA RURAL SAN JAIME 2032 CAJA DE AHORROS PROV.DE GUADALAJARA - CAIXABANK 3063 CAJA RURAL CORDOBA 3121 CAJA RURAL CHESTE 2037 CAJA RIOJA - BANKIA 3064 CAJA RURAL CUENCA (3190) 3123 -
Competition and Consumer Protection in the Romanian Banking Sector
A Service of Leibniz-Informationszentrum econstor Wirtschaft Leibniz Information Centre Make Your Publications Visible. zbw for Economics Iacovoiu, Viorela; Stancu, Adrian Article Competition and Consumer Protection in the Romanian Banking Sector Amfiteatru Economic Journal Provided in Cooperation with: The Bucharest University of Economic Studies Suggested Citation: Iacovoiu, Viorela; Stancu, Adrian (2017) : Competition and Consumer Protection in the Romanian Banking Sector, Amfiteatru Economic Journal, ISSN 2247-9104, The Bucharest University of Economic Studies, Bucharest, Vol. 19, Iss. 45, pp. 381-396 This Version is available at: http://hdl.handle.net/10419/169078 Standard-Nutzungsbedingungen: Terms of use: Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Documents in EconStor may be saved and copied for your Zwecken und zum Privatgebrauch gespeichert und kopiert werden. personal and scholarly purposes. Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle You are not to copy documents for public or commercial Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich purposes, to exhibit the documents publicly, to make them machen, vertreiben oder anderweitig nutzen. publicly available on the internet, or to distribute or otherwise use the documents in public. Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, If the documents have been made available under an Open gelten abweichend von diesen Nutzungsbedingungen die in der dort Content Licence (especially Creative Commons Licences), you genannten Lizenz gewährten Nutzungsrechte. may exercise further usage rights as specified in the indicated licence. http://creativecommons.org/licenses/by/4.0/ www.econstor.eu Competition's Policy – a Tool to Protect Consumer's Rights and Interests AE COMPETITION AND CONSUMER PROTECTION IN THE ROMANIAN BANKING SECTOR Viorela Iacovoiu1∗ and Adrian Stancu2 1) 2) Petroleum-Gas University of Ploieşti, Romania Please cite this article as: Article History Iacovoiu, V. -
Loan Financing for Micro, Small and Medium Sized Enterprises
Loan Financing for Micro, Small and Medium sized Enterprises Loan financing for MSMEs is available from the following banks with which the EBRD has signed a loan or standby facility. ALBANIA Credins Bank – Albania Credins Bank is the 3rd largest bank by loan portfolio and 4th largest in terms of assets and deposits in Albania. Established in 2003 as the first local private bank in the country, the bank has grown from a tier 3 bank to a systematic bank with a greater market share than some foreign banks in the country; it has continued to be profitable despite the impact of the crisis; and has developed a strong brand based on being client-oriented and developing innovative products. EBRD provided a senior loan of EUR 8 million for on-lending to SMEs. MSMEs with up to 250 employees can apply for the loans. The maximum aggregate amount of the loan is EUR 400,000 for up to 5 years. Both working capital financing and investment loans are available along with overdrafts and credit lines as well as a variety of other banking products and services tailored for MSMEs. Not less than 45% of the Loan shall be used to finance local activities outside of the capital city of Tirana. The loan is available both in Albanian Lek and EUR. For further details please contact Credins Bank directly. Head office contact details Customer contact Branch network contacts Banka Credins Egla Ballta Rr. "Ismail Qemali" 4, Tirane, MSME lending department Shqiperi Tel: +355 4 2234 096, 2233 912 Fax: +355 4 2222 916 Email: [email protected] Landeslease Landeslease is one of the leading leasing companies for MSME across many regions of Albania. -
The Development of the Activity of Banks with Foreign Capital in Central and Eastern Europe
Annals of the „Constantin Brâncuşi” University of Târgu Jiu, Economy Series, Issue 2/2014 THE DEVELOPMENT OF THE ACTIVITY OF BANKS WITH FOREIGN CAPITAL IN CENTRAL AND EASTERN EUROPE RADULESCU MAGDALENA, PH.D. ASSOCIATE PROFESSOR, UNIVERSITY OF PITESTI, ROMANIA, [email protected] Abstract The privatization has as purpose to reestablish the functionality of a type of property under the public agreement. The privatization of banks brings both positive and beneficial aspects, but also some notions with a negative impact that influence the capital markets and banking system. Among the benefits we can include: the increase of the effectiveness and performance of the banking operations, the implementation of some effective structures that lead to the gradual integration of the banking system into the greatly developed economies, the improvement and perfecting of the bank services. In Romania, the privatization of banks started rather late and in some cases it turned up to be very difficult. Romanian banking system is dominated by the Austrian and Greek investors. The Romanian banking system is very concentrated, but the intermediation level is still lower than in other European or Eastern European countries. Key words: privatization, foreign investors, banking system, Romania, Eastern European Countries. JEL Classification: F21, F23, G21, G24, G32, G34. 1. Introduction Broadly speaking, the privatization had and still has as purpose to reestablish the functionality of a type of property under the public agreement, and the aim of this phenomenon was intended to remove the proven negative and unwanted aspects related to the transfer of some responsibilities from the private field to the public sphere.