Payment Services) Regulations 2018
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C E R T I F I C a T E
C E R T I F I C A T E Management system as per ISO/IEC 27001 : 2013 In accordance with TÜV NORD CERT procedures, it is hereby certified that Information Services Plc. 2, Panayot Volov str. 1504 Sofia Bulgaria with the locations / sites according to the annex applies a management system in line with the above standard for the following scope Design, development, installation, implementation, maintenance and support of modern information systems, including spatial data systems and mobile platforms; Design, development, installation and maintenance of local and global networks and communications systems and network software; Construction and maintenance of national and regional databases and electronic records; Provision of certification services based on public key infrastructure (PKI); Provision of consultancy services in the field of software, hardware and information technology, including business analysis and business process modelling; Construction and maintenance of LAN and WAN with a high degree of securityand protection; Training and qualification; Service and assembly of computers; Commercial activities with software, computer and communication equipment, peripherals and consumables; Complex services for the public administration and corporate clients in the areas of information technology, development and implementation of administrative IT systems, electronic administrative services and electronic mobile services for eGovernance; Providing information and services on its own and customer databases, including spatial data systems and mobile platforms; Providing consultancy services in the field of information technologies and information security, legal advice, legal analysis and drafting legislation proposals; Management of information systems projects; Renting of own movable and immovable property. As per the Statement of Applicability of 04.03.2015 (version 5) Certificate Registration No. -
Аnnual Report 2019
АNNUAL REPORT 2019 5 MESSAGE FROM THE MANAGEMENT 29 Market share and position of CCB Plc 6 FINANCIAL HIGHLIGHTS AS AT 31.12.2019 31 Income Statement 7 TODAY 32 An analysis of the assets and liabilities 8 BRIEF HISTORY 36 APPENDIX №1: BRANCH NETWORK 11 MANAGERIAL TEAM 38 APPENDIX №2: NOSTRO ACCOUNTS 12 SHARE CAPITAL AND SHAREHOLDERS 41 INDEPENDENT AUDITORS’ REPORT 13 Client structure 51 ANNUAL SEPARATE FINANCIAL STATEMENTS 14 Retail banking 22 International payments 24 Financial markets CONTENTS 25 Information technology 26 Personnel 29 FINANCIAL REVIEW FOR 2019 2 3 MESSAGE FROM THE MANAGEMENT Ladies and Gentlemen, We, the Executive Directors and Procurator of Central Cooperative Bank Plc, would like to use this opportunity to inform you about our achievements and accolades in 2019. Central Cooperative Bank Plc is a universal commercial bank with a pronounced focus on retail banking. As at 31.12.2019 the Bank assets are BGN 6,1 billion, shareholders’ equity amounts to BGN 568 million and the net profit is BGN 34,2 million. Last year was our 12th year as a member of the European Union and we ranked on the 8th place among Bulgarian banks in terms of total assets. Among our goals for 2020 are: increasing the total assets of the Bank, respectively the market share; developing and defending the leadership position in the use of the most contemporary channels of distributing the bank products; streamlining and constant adaptation of the client model of the operative organization with the aim of maintaining the high quality of the bank servicing; -
Navigation Map of Bulgaria Including Offroadmap by Offroad-Bulgaria.Com Version 2021 Q1
Navigation Map of Bulgaria Including OFFRoadMap by OFFRoad-Bulgaria.com Version 2021 Q2 The purpose of this map is to provide accessible, accurate and up-to-date information for your GPS devices. Despite all efforts made by the creators to achieve this goal, the roads and the data included in this digital map are intended to be used as guidance only and should not be used solely for navigation. The creators of this map make no warranty as to the accuracy or completeness of the map data. In no event will the creators of this map be liable for any damages whatsoever, including but not limited to loss of revenue or profit, lost or damaged data, and expenses, arising in any way from or consequential upon the use of, or the inability to use this digital map. Contents: - Registering your map - Usage details - OFRM Geotrade 2021 Q2 variants - Coverage >>>>> REGISTRATION <<<<< To register your OFRM Geotrade map, please visit out website www.karta.bg. Click on “Create profile” in the top right corner of the screen and create your personal account. When done, the Support page will load automatically. Click on the button “Register OFRM Geotrade” and enter the 25-symbol map serial number and GPS model to activate your map’s update subscription (if your map includes one). To obtain the 25-symbol serial number, connect your GPS device to your computer via USB cable. If you have a GPS device with preloaded OFRM map, you will find the serial number in file “serial.txt” in the root folder of your device’s base memory or in the file “gmapsupp.unl” in folder “Garmin” (or folder “Map” on the newer models of the nüvi series and the new Drive series) of your device’s base memory. -
Review of the Air Force Academy
Review of the Air Force Academy The Scientific Informative Review, Vol. XVIII, No.1 (41)/2020 DOI: 10.19062/1842-9238.2020.18.1 BRAŞOV - ROMANIA SCIENTIFIC ADVISERS Prof Sorin CHEVAL, PhD "Henri Coandă" Air Force Academy, Brasov, Romania Brig Gen Assoc Prof Gabriel RĂDUCANU, PhD Prof Adrian LESENCIUC, PhD Rector of “Henri Coandă” Air Force Academy, Braşov, Romania “Henri Coandă” Air Force Academy, Brașov, Romania Col Prof Adrian LESENCIUC, PhD Researcher Eng Irina ANDREI, PhD “Henri Coandă” Air Force Academy, Brașov, Romania National Institute for Aerospace Research “Elie Carafoli”, Bucharest, Romania Assoc Prof Hussain Al SHAROUFI, PhD Gulf University for Science and Technology, Kuweit City, Kuweit Assoc Prof Alexandru Nicolae TUDOSIE, PhD University of Craiova, Romania Asst Prof Eng Titus BĂLAN, PhD “Transilvania” University of Brașov, Brașov, Romania Assoc Prof Aurelian RAȚIU, PhD “Nicolae Bălcescu” Land Forces Academy, Sibiu, Romania Assoc Prof Ionuț BEBU, PhD “George Washington” University, Washington, DC, USA Assoc Prof Dumitru IANCU, PhD “Nicolae Bălcescu” Land Forces Academy, Sibiu, Romania Assoc Prof Daniela BELU, PhD Assoc Prof Daniela BELU, PhD “Henri Coandă” Air Force Academy, Brașov, Romania “Henri Coandă” Air Force Academy, Brașov, Romania Prof Sorin CHEVAL, PhD Assoc Prof Laurian GHERMAN, PhD “Henri Coandă” Air Force Academy, Brașov, Romania “Henri Coandă” Air Force Academy, Braşov, Romania Prof Alberto FORNASARI, PhD Assoc Prof Claudia CARSTEA, PhD Aldo Moro University, Bari, Italy "Henri Coandă" Air Force Academy, Brasov, -
Do Public Fund Windfalls Increase Corruption? Evidence from a Natural Disaster Elena Nikolovaa Nikolay Marinovb 68131 Mannheim A5-6, Germany October 5, 2016
Do Public Fund Windfalls Increase Corruption? Evidence from a Natural Disaster Elena Nikolovaa Nikolay Marinovb 68131 Mannheim A5-6, Germany October 5, 2016 Abstract We show that unexpected financial windfalls increase corruption in local govern- ment. Our analysis uses a new data set on flood-related transfers, and the associated spending infringements, which the Bulgarian central government distributed to mu- nicipalities following torrential rains in 2004 and 2005. Using information from the publicly available audit reports we are able to build a unique objective index of cor- ruption. We exploit the quasi-random nature of the rainfall shock (conditional on controls for ground flood risk) to isolate exogenous variation in the amount of funds received by each municipality. Our results imply that a 10 % increase in the per capita amount of disbursed funds leads to a 9.8% increase in corruption. We also present suggestive evidence that more corrupt mayors anticipated punishment by voters and dropped out of the next election race. Our results highlight the governance pitfalls of non-tax transfers, such as disaster relief or assistance from international organizations, even in moderately strong democracies. Keywords: corruption, natural disasters, governance JEL codes: D73, H71, P26 aResearch Fellow, Central European Labour Studies Institute, Slovakia and associated researcher, IOS Regensburg, Germany. Email: [email protected]. We would like to thank Erik Bergl¨of,Rikhil Bhav- nani, Simeon Djankov, Sergei Guriev, Stephan Litschig, Ivan Penkov, Grigore Pop-Eleches, Sandra Sequeira and conference participants at the 2015 Annual Meeting of the European Public Choice Society, Groningen, the 2015 American Political Science Association, San Francisco and seminar participants at Brunel, King's College workshop on corruption, and LSE for useful comments, and Erik Bergl¨ofand Stefka Slavova for help with obtaining Bulgarian rainfall data. -
Annex REPORT for 2019 UNDER the “HEALTH CARE” PRIORITY of the NATIONAL ROMA INTEGRATION STRATEGY of the REPUBLIC of BULGAR
Annex REPORT FOR 2019 UNDER THE “HEALTH CARE” PRIORITY of the NATIONAL ROMA INTEGRATION STRATEGY OF THE REPUBLIC OF BULGARIA 2012 - 2020 Operational objective: A national monitoring progress report has been prepared for implementation of Measure 1.1.2. “Performing obstetric and gynaecological examinations with mobile offices in settlements with compact Roma population”. During the period 01.07—20.11.2019, a total of 2,261 prophylactic medical examinations were carried out with the four mobile gynaecological offices to uninsured persons of Roma origin and to persons with difficult access to medical facilities, as 951 women were diagnosed with diseases. The implementation of the activity for each Regional Health Inspectorate is in accordance with an order of the Minister of Health to carry out not less than 500 examinations with each mobile gynaecological office. Financial resources of BGN 12,500 were allocated for each mobile unit, totalling BGN 50,000 for the four units. During the reporting period, the mobile gynecological offices were divided into four areas: Varna (the city of Varna, the village of Kamenar, the town of Ignatievo, the village of Staro Oryahovo, the village of Sindel, the village of Dubravino, the town of Provadia, the town of Devnya, the town of Suvorovo, the village of Chernevo, the town of Valchi Dol); Silistra (Tutrakan Municipality– the town of Tutrakan, the village of Tsar Samuel, the village of Nova Cherna, the village of Staro Selo, the village of Belitsa, the village of Preslavtsi, the village of Tarnovtsi, -
1 I. ANNEXES 1 Annex 6. Map and List of Rural Municipalities in Bulgaria
I. ANNEXES 1 Annex 6. Map and list of rural municipalities in Bulgaria (according to statistical definition). 1 List of rural municipalities in Bulgaria District District District District District District /Municipality /Municipality /Municipality /Municipality /Municipality /Municipality Blagoevgrad Vidin Lovech Plovdiv Smolyan Targovishte Bansko Belogradchik Apriltsi Brezovo Banite Antonovo Belitsa Boynitsa Letnitsa Kaloyanovo Borino Omurtag Gotse Delchev Bregovo Lukovit Karlovo Devin Opaka Garmen Gramada Teteven Krichim Dospat Popovo Kresna Dimovo Troyan Kuklen Zlatograd Haskovo Petrich Kula Ugarchin Laki Madan Ivaylovgrad Razlog Makresh Yablanitsa Maritsa Nedelino Lyubimets Sandanski Novo Selo Montana Perushtitsa Rudozem Madzharovo Satovcha Ruzhintsi Berkovitsa Parvomay Chepelare Mineralni bani Simitli Chuprene Boychinovtsi Rakovski Sofia - district Svilengrad Strumyani Vratsa Brusartsi Rodopi Anton Simeonovgrad Hadzhidimovo Borovan Varshets Sadovo Bozhurishte Stambolovo Yakoruda Byala Slatina Valchedram Sopot Botevgrad Topolovgrad Burgas Knezha Georgi Damyanovo Stamboliyski Godech Harmanli Aitos Kozloduy Lom Saedinenie Gorna Malina Shumen Kameno Krivodol Medkovets Hisarya Dolna banya Veliki Preslav Karnobat Mezdra Chiprovtsi Razgrad Dragoman Venets Malko Tarnovo Mizia Yakimovo Zavet Elin Pelin Varbitsa Nesebar Oryahovo Pazardzhik Isperih Etropole Kaolinovo Pomorie Roman Batak Kubrat Zlatitsa Kaspichan Primorsko Hayredin Belovo Loznitsa Ihtiman Nikola Kozlevo Ruen Gabrovo Bratsigovo Samuil Koprivshtitsa Novi Pazar Sozopol Dryanovo -
Relics of the Bulgarian National Epic
PAISStt OF HILENDAR: FOUNDER OF THE NATIONAL IDEOLOGY In modern historiography the first centuries of the of the respectful image of Mediaeval Bulgaria. In Sremski Ottoman rule of Bulgarian lands are determined as Late Karlovci, one of the most active literary centres of the Middle Ages. The time from the beginning of the 18th time, Paissi read the book of Dubrovnik Abbot Mavro century to the 1877-1878 Russo-Turkish War is called Orbini "The Realm of the Slavs" in which he discovered Bulgarian National Revival. If the National Revival period considerable evidence about the Bulgarians' past. for Northern Bulgaria and the Sofia Region continued by In 1762 he completed "Slav-Bulgarian History, about 1878, for Eastern Rumelia it was by 1885 and for the People and the Kings, the Bulgarian Saints and All Macedonia and Adrianople Thrace by 1912-1913. Bulgarian Activities and Events". In 83 hand-written The National Revival in the Bulgarian lands witnessed pages the inspired Hilendar Monk interpreted using considerable economic progress. The Bulgarian were romantic and heightened tone the grandour of increasingly getting rid of their mediaeval restricted out- Mediaeval Bulgaria, the victory of the Bulgarian army look and helplessness and were gradually getting aware over Byzantium, the impressive bravery and manliness of as people, aspiring towards economic and cultural the Bulgarians, the historic mission of the Cyril and progress. Hilendar monk Paissii became a mouthpiece of Methodius brothers and other eloquent facts, worthy to these changes in the national self-awareness. He was be remembers and respected by the successors. Already the first to perceive the beginning of the new time and in the forward this noted Bulgarian appealed with gen- the need of formulating verbally the maturing historical uine sincerity towards his compatriots to love and keep prospects and tasks before the Bulgarian people. -
LARGE HOSPITALS in BULGARIA *The Abbreviations UMBAL
LARGE HOSPITALS IN BULGARIA *The abbreviations UMBAL/ УМБАЛ and MBAL/ МБАЛ in Bulgarian stand for “(University) Multi- profiled hospital for active medical treatment”, and usually signify the largest municipal or state hospital in the city/ region. UMBALSM/ УМБАЛСМ includes also an emergency ward. **The abbreviation DKC/ ДКЦ in Bulgarian stands for “Center for diagnostics and consultations” CITY HOSPITAL CONTACTS State Emergency Medical Tel.: +359 73 886 954 BLAGOEVGRAD Service – 24/7 21, Bratya Miladinovi Str. https://www.csmp-bl.com/ Tel.: +359 73 8292329 60, Slavyanska Str. MBAL Blagoevgrad http://mbalblagoevgrad.com/ Tel.: +359 73 882 020 Puls Private Hospital 62, Slavyanska Str. http://bolnicapuls.com Tel.: *7070 UMBAL Burgas 9, Zornitsa Str. BURGAS http://mbalburgas.com/ Emergency: +359 890 122 150 Meden Rudnik area, Zone A MBAL Burgasmed https://hospitalburgasmed.bg/ Emergency: +359 56 845 083 13, Vazrazhdane Str. Location: N 42 29' 40,54" St. Sofia Medical Center E 27 28' 24,40" http://www.saintsofia.com/ Tel.:+359 391 64024 29, Hristo Botev Blvd. DIMITROVGRAD MBAL Sveta Ekaterina https://www.mbalstekaterina.eu/ Tel.: +359 58 600 723 24, Panayot Hitov Str. DOBRICH MBAL Dobrich http://www.mbal-dobrich.com/ Tel.: +359 66 800 243 MBAL Dr. Tota Venkova 1, Doctor Iliev-Detskia street GABROVO Gabrovo https://www.mbalgabrovo.com/ Tel.: +359 41862373; +359 889522041 GALABOVO MBAL Galabovo 10, Aleko Konstantinov Str. Tel.: +359 66 876 424 Apogei Angelov&Co Medical 1, Ivaylo street Center Tel.: +359 751 95 114 54, Stara Planina Str. GOTSE DELCHEV MBAL Ivan Skenderov http://mbal-gocedelchev.com/ Tel.: +359 38 606 700 49, Saedinenie Blvd. -
Bulgarian Restaurant Chevermeto
EXHIBITIONS / Изложения January - June 2018 HELLO WINTER STORY Health and Sport FESTIVAL Здраве и спорт 20 - 21.01. International Tourist Fair HOLIDAY & SPA EXPO Международна туристическа борса 14 - 16.02. LUXURY WEDDINGS Wedding and Events Industry EXPO Сватбена и събитийна индустрия 23 - 25.02. BULGARIA BUILDING Building Materials and Machines WEEK Строителни материали и машини 07 - 10.03. Safety&Security SECURITY EXPO Цялостни решения за сигурност и безопасност 07 - 10.03. GRAND CHOCOLATE Chocolate and Chocolate Products FESTIVAL Шоколад и шоколадови продукти 10 - 11.03. BEBEMANIA – Baby and Kids Products SHOPPING Всичко за бъдещите и настоящи родители 16 - 18.03. VOLKSWAGEN CLUB Event for the Fans of the Brand FEST Събитие за феновете на марката 17 - 18.03. Machinery, Industrial Equipment and Innovative MACHTECH & Technologies INNOTECH EXPO Индустриални машини, оборудване 26- 29.03. и иновационни технологии Water and Water Management WATER SOFIA Води и воден мениджмънт 27 - 29.03. Woodworking and Furniture Industry TECHNOMEBEL Дървообработваща и мебелна промишленост 24 - 28.04. WORLD OF Furniture, Interior textile and home accessories Обзавеждане, интериорен текстил 24 - 28.04. FURNITURE и аксесоари за дома BULMEDICA / Medical and Dental Industry BULDENTAL Медицина 16 - 18.05. September - December 2018 HUNTING, FISHING, Hunting and Sport Weapons, Fishing Accessories, Sport Ловни и с портни оръжия, риболовни 27 - 30.09. SPORT принадлежности, спорт Communication Art, Print, Image, Sign COPI’S Рекламни и печатни комуникации 02 - 04.10. Aesthetics, Cosmetics, SPA, Health, Hair, ARENA OF BEAUTY Nail, Mackeup 05 - 07.10. Форум за здраве, красота и естетика Baby and Kids Products BEBEMANIA Всичко за бъдещите и настоящи родители 19 - 21.10. -
Annual Report 2018
Annual Report 2018 Bulgaria 2 FINLAN D NO RWAY Helsinki Oslo Stockholm Tallinn BALT IC SEA ESTO NIA SWEDEN Riga LATVIA DENMAR K Moscow NORTH SEA Co penhagen LITHUANIA RUSSIA Vilnius Minsk RUSSIA Dublin IRELAND BELARUS UNITED KINGDOM Amsterdam Berlin POLAN D Warsaw Lo ndon NETHERLANDS G ERMA NY BELG IUM Brussels Frankfurt Kiev Prague LUXEMBOURG UKRAINE CZECH RE PUBLIC Paris SLOVAKIA KA ZAKHSTAN Vienna Bratislava MOLDOVA SWITZERLAN D AUSTRIA Budapest Chisinau FRANCE Bern LIECHTEN - STEIN Ma ribor HUNGARY SLOVENIA ROMA NIA Zagreb CR OA TI A ARAL Belgrade SEA BOSNIA AND SERBIA Bucha rest HERZ EGOWINA Sarajevo Pristina C UZBEKISTAN ITALY MONTEN EGRO Soa BLACK SEA ASPIAN KOSOVO Co rsica Podgorica BULG ARI A Skopje GEORGIA Rome Tbilisi Tirana MACEDONIA Istanbul PORTUGAL Madrid ALBANIA ARME NIA Baku Sardinia Yerevan ASERBAIJAN SE Lisbon GREECE Ankara A TURKMENISTA N SPAIN Athens TURKE Y Asgabat MEDITERRANEAN SEA Sicily Tunis Algiers IRAN SYRI A IRAQ Tehran ALGERIA TUNISIA MOROCCO CYPRUS Nico sia www.rbinternational.com HEAD OFFICE AND NE TW ORK BANKS BRANCHES, REPRESENTATIVE OFFICES AN D OTHER UNITS 3 FINLAN D NO RWAY Helsinki Oslo Stockholm Tallinn BALT IC SEA ESTO NIA SWEDEN Riga LATVIA DENMAR K Moscow NORTH SEA Co penhagen LITHUANIA RUSSIA Vilnius Minsk RUSSIA Dublin IRELAND BELARUS UNITED KINGDOM Amsterdam Berlin POLAN D Warsaw Lo ndon NETHERLANDS G ERMA NY BELG IUM Brussels Frankfurt Kiev Prague LUXEMBOURG UKRAINE CZECH RE PUBLIC Paris SLOVAKIA KA ZAKHSTAN Vienna Bratislava MOLDOVA SWITZERLAN D AUSTRIA Budapest Chisinau FRANCE Bern LIECHTEN -
Pocket Diary 2015 the Bottled Wasp
THE BOTTLED WASP POCKET DIARY 2015 THE BOTTLED WASP POCKET DIARY 2015 Welcome to the 2015 Bottled Wasp Pocket Diary, a fundraising project in aid of the Anarchist Black Cross network and other groups involved in the prisoner support arena. The aim of the project is to create a self-sustaining template for production that will feature different areas of radical political history and practice each year, and that will hopefully be taken on by a dif- ferent group from a rotating network of activists. Last year’s edition of the Wasp, with its coverage of the hidden history of the contributions of anarchists and other radicals to both the avant-garde and mainstream arts around the world, with its cover by London street artist Stik, proved something of a success. So, we hope to do even better this year with this anti- fascist history edition, which features numerous individuals and collective actions and events from across the whole history of the resistance to ultra-nationalism, fascism and Nazism; wher- ever and when ever it has raised its ugly head. If you enjoy the diary, we hope that you will help spread the news far and wide and help make the Bottled Wasp a success in future years. “La cosa dannosa del fascismo è che induce gli imbecilli a cred- ersi molto furbi. Quanto più uno è idiota tanto più il fascismo lo fa sentire orgoglioso di sé.” [What is harmful about fascism is that it causes fools to believe they’re very smart. The more he is an idiot , the more fascism makes him feel proud of himself.] - Osvaldo Soriano in ‘Fútbol’ (1998).