E-Welcome Pack HSBC Premier
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Telenet Opens Your World Annual Report 2005 Internet Customers (000S) Telephony Customers (000S) Revenue (In Million Euro) EBITDA (In Million Euro - US GAAP)
THE MULTIPLE FACETS OF GROWTH Telenet opens your world Annual Report 2005 Internet customers (000s) Telephony customers (000s) Revenue (in million euro) EBITDA (in million euro - US GAAP) 624 364 737,5 330,6 528 286 681,1 299,6 235 413 230,1 187 181 502,3 301 307,1 82,6 196 104 172,3 85 -18,6 2000 2001 2002 2003 2004 2005 2000 2001 2002 2003 2004 2005 2001 2002 2003 2004 2005 2001 2002 2003 2004 2005 Internet customers (000s) Telephony customers (000s) Revenue (in million euro) EBITDA (in million euro - US GAAP) Total iDTV boxes sold 624 364 Capital Expenditure (in million euro - US GAAP) Total debt / EBITDA ratio 737,5 18 330,6 528 16.8 286 200,5 681,1 16 299,6 100,000 235 176,7 413 14 230,1 187 181 502,3 141,5 12 301 10 307,1 82,6 Telenet in a nutshell 100,4 196 104 8 6.72 172,3 67,4 6 4.96 85 3.85 4 -18,6 2 2000 2001 2002 2003 2004 2005 2000 2001 2002 2003 2004 2005 2001 2002 2003 2004 2005 2001 2002 2003 2004 2005 Aug 05 Sept Oct Nov Dec Jan 06 0 2001 2002 2003 2004 2005 2002 2003 2004 2005 Internet customers (000s) Telephony customers (000s) Revenue (in million euro) EBITDA (in million euro - US GAAP) Total iDTV boxes sold 624 Capital ExpenditureFinancial (in million euro364 - US GAAP) Total debt / EBITDA ratio Consortium GIMV 18 737,5 330,6 528 4.00% 9.69% 286 Other 16.8 681,1 299,6 200,5 (0.3% Suez and 0.3% banks) 16 100,000 235 413 Interkabel 176,7 230,1 Mixed 187 14 4.15% 502,3 intercommunales181 141,5 12 301 & Electrabel 16.50% 10307,1 82,6 196 104 100,4 8 6.72 172,3 6 85 67,4 4.96 3.85 -18,6 Free float 4 Liberty Global 43.91% -
Country Diagnostic: Philippines
Philippines BETTERTHANCASH COUNTRY DIAGNOSTIC ALLIANCE Empowering People Through Electronic Payments July 2015 Development Results Focused Research Program Country Diagnostic: Philippines by James Hokans, Bankable Frontier Associates Philippines BETTERTHANCASH COUNTRY DIAGNOSTIC ALLIANCE Empowering People Through Electronic Payments July 2015 Development Results Focused Research Program Country Diagnostic: Philippines by James Hokans, Bankable Frontier Associates BETTERTHANCASH ALLIANCE Empowering People Through Electronic Payments INTRODUCTION TO THE BETTER THAN CASH ALLIANCE The Better Than Cash Alliance (the Alliance) is a partnership of governments, companies, and international organizations that accelerates the transition from cash to digital payments in order to drive inclusive growth and reduce poverty. Shifting from cash to digital payments has the potential to improve the lives of low-income people, particularly women, while giving governments, companies and international organizations a more transparent, time- and cost-efficient, and often safer means of making and receiving payments. We partner with governments, companies, and international organizations that are the key drivers behind the transition to make digital payments widely available by: 1. Advocating for the transition from cash to digital payments in a way that advances financial inclusion and promotes responsible digital finance. 2. Conducting research and sharing the experience our members to inform strategies for making the transition 3. Catalyzing the development -
A Quarterly Publication for LANDBANK's Clients and Partners
HARVEST A quarterly publication for LANDBANK’s Clients and Partners Vol. X, No. 1 March 2015 HARVEST Magazine March 2015 WHAT’S INSIDE Page 3 Partnerships at Work For cash donations to the families of • OmniPay, Inc. on board for payment the 44 PNP-SAF officers processing platform • ExpressPay signs remittance deal Deposits may be made through with LANDBANK the following LANDBANK accounts: Page 4 Department of Social Welfare and Development (DSWD) • LANDBANK furthers global reach Account Name: DSWD Donation Account for Armed with MoneyGram Conflict in Mamasapano Maguindanao • POEA and LANDBANK ink deal for e-processing Current Account: (CA) No. 3122-1026-28 Page 5 Philippine National Police (PNP)* Cover Story Account Name: PNP Special Assistance Fund Linking where it matters Current Account: (CA) No. 1862-1027-77 Page 7 • Univanich reaps benefits of internet banking *Donors may contact PCinsp Renante F. Pinuela of DC Page 8 through text at +63.917.8576020 • Save time with LANDBANK iAccess Note: DSWD and PNP will take charge of disbursing the donations to the intended beneficiaries. Page 9 Branch Banking News & Updates • LANDBANK Easy Access Facility • GenSan City Branch does LANDBANK proud Page 10 • LANDBANK President feted with CSR Award Harvest Magazine is • Now in your neighborhood also available online New branches for viewing or download. You may also follow us on - LANDBANK Alabang Business Center facebook and twitter - LANDBANK Araneta Center EO for the latest news and - LANDBANK Guagua Branch updates from LANDBANK. - LANDBANK Sto. Tomas EO Relocated landbankofficial - LANDBANK Pasig-C. Raymundo Branch - LANDBANK Tarlac City Branch @LBP_Official www.landbank.com Editor-in-Chief CATHERINE ROWENA B. -
Global Payments Report
Global Payments Report The art and science of global payments A definitive report from Worldpay NOVEMBER 2018 Contents Introduction 4 Global payment trends 7 Key insights 19 Market guides 31 Methodology 104 Payment terms 106 Introduction The art and science of global payments 4 An individual payment is a simple act. Timeless and enduring, This report offers insight into the art and science of payments. payments serve the same ends today as they did thousands of years We’ll start with science by offering a high-level data analysis of the ago. Our methods of recording and exchanging value evolve with ways we pay globally, both online and at the point of sale. We’ll then technology: from livestock to gold coins, paper money to digital turn to the art of payments: the opportunities posed by China’s growth; wallets. Yet the essence of a payment remains unchanged: Goods the unique needs of Millennials and their emerging spending power; and services are exchanged for a payment of a value mutually agreed the dissolution of channels and the unification of commerce; how to between buyer and seller. deferred payments enable the immediacy of The Now Economy; and the future of invisible payments (spoiler alert: the future is now). Payments represent the sum of our experiences. Payments document Finally, we’ll take a deeper dive and detail the payment landscape for our needs, our desires, and our ever-shifting values. Payments tell 36 individual country markets from around the world. the story of human history through economics, recording those needs, desires, and values. -
Ann BRI Hal 000-034
A Sound Loan Portfolio Focusing on Micro, Small, Medium Enterprises (MSMEs) Year of 2006 is a test case for BRI when core business competency of a bank was put to a test. The impact of inflation which was above 16% has made purchasing power weaken and BI rate was still above two digits. High interest rate and inflation environment were not a promising condition for banking because of decrease in loan demand and increase in bad debt. However, the strategy focusing on MSME has Loan Growth been yielding a satisfactory result in prevailing % this adverse condition. Until in the end of 2006, BRI has extended loans amounted to Rp90.28 35.00 32.75 30.33 trillion, an increase of Rp14.74 trillion or 19.53% 30.00 31.03 24.91 24.34 21.67 of loan outstanding at the end year 2005 which 25.00 27.11 21.68 was Rp75.53 trillion. From total loans extension 20.00 20.89 19.53 19.36 17.40 18.72 21.11 15.00 in 2006, 86.71% of them or Rp78.28 trillion for 14.10 financing MSME sector. 10.00 2002 2003 2004 2005 2006 INDUSTRY BRI BRI’s MSMEs Loan Composition % 100.00 17.43 14.69 13.56 13.17 13.29 In MSMEs, the sector financed by BRI including 3.69 4.55 4.59 6.25 8.22 28.01 24.19 26.69 28.53 27.05 trading, hotel and restaurant; processing industry, agriculture, services and other including 50.00 23.06 24.18 23.53 21.90 21.22 consumer. -
Commercial Cards (PDF, 88KB)
I. Commercial Cards I1. Credit cards/Charge cards Item Business Card RMB Business Card World Corporate Card/ USD World Corporate Platinum Purchasing Card/ Corporate Card Card/ Corporate Card Purchasing Card Annual fee (per cardholder) Platinum Business 1-2 cardholders RMB850 1-2 cardholders HK$550 central billing US$40 1-30 cardholders HK$350 MasterCard/ Gold Business Card 3 -5 cardholders RMB680 3-5 cardholders HK$480 individual billing US$75 31-40 cardholders HK$300 HK$550 6-9 cardholders RMB480 6-9 cardholders HK$400 41-60 cardholders HK$250 10 cardholders or above RMB260 10-20 cardholders HK$300 61 cardholders or above HK$200 World Business MasterCard/ Platinum 21-250 cardholders HK$200 Business Card 251 cardholders or above HK$120 1-2 cardholders HK$980 3-5 cardholders HK$780 6-9 cardholders HK$550 10 cardholders or above HK$300 Card facility set-up fee N/A N/A 1% of facility amount (minimum HK$500/US$65) and annual review fee subject to agreement Card replacement fee (before renewal) HK$100 RMB85 HK$100 US$13 HK$100 Joining fee N/A N/A N/A N/A HK$2,500 Transaction fee N/A N/A N/A N/A HK$5 per transaction Cash advance fee (per transaction) From ATM* Cash advance fee of 2% plus handling fee of 3% on the amount of advance (minimum HK$55/RMB50/ US$7)† N/A Over-the-counter advances Cash advance fee of 2% plus handling fee of 3% on the amount of advance (minimum HK$80/RMB70/ US$10)† N/A Minimum payment due Total fees and charges currently billed to the card statement plus 1% of the statement N/A N/A N/A balance (excluding any fees and charges currently billed) as at the statement date (minimum of HKD50/RMB50) plus overdue or overlimit due whichever is higher Duplicate statement (each) HK$30 RMB26 HK$30 US$4 HK$30 Finance charge No finance charge will be payable if the total outstanding balance is paid into the card account by the payment due date. -
Premier Tarif Dan Biaya
Tarif dan Biaya Tarif dan Biaya Daftar ini berlaku untuk cabang-cabang HSBC di Indonesia. Semua biaya yang disebutkan dalam daftar ini tidak berlaku untuk cabang-cabang HSBC di luar negeri dan bank-bank koresponden. Bank berhak untuk mengubah biaya-biaya layanan ini sewaktu-waktu dan perubahan ini akan diinformasikan kepada Nasabah dengan cara-cara yang dianggap layak oleh HSBC. Total Saldo Keseluruhan Minimum total saldo keseluruhan Rp500.000.000 Biaya jika saldo di bawah jumlah minimum Rp250.000* * Biaya akan dihapuskan apabila rata-rata Total Saldo Keseluruhan bulanan sama dengan atau di atas setara Rp500.000.000 untuk HSBC Premier Rekening Giro Rekening Giro dalam Mata Uang Rupiah Saldo pembukaan rekening Rp1.000.000 Biaya penutupan rekening Rp50.000 Mohon kunjungi www.hsbc.co.id untuk membaca Syarat dan Ketentuan Umum yang berlaku Rekening Simpanan Rekening Tabungan Deposito Berjangka Rekening Tabungan Rupiah Deposito Berjangka Rupiah Saldo pembukaan rekening Rp1.000.000 Minimum penempatan Rp20.000.000 Biaya penutupan rekening Rp50.000 Jangka waktu penempatan 1, 2, 3, 6 dan 12 bulan Rekening Tabungan dalam Mata Uang Asing Deposito Berjangka dalam Mata Uang Asing Saldo pembukaan rekening US$ 100 setara dengan mata uang asing Minimum penempatan Setara dengan US$ 2.000 Mata uang yang tersedia USD, GBP, SGD, AUD, NZD,CAD, EUR, Mata uang yang tersedia USD, GBP, SGD, AUD, NZD,CAD, EUR, HKD, JPY, CHF dan CNY HKD, JPY, CHF dan CNY Biaya penutupan rekening Rp50.000 Jangka waktu penempatan 1, 2, 3, 6 dan 12 bulan* Tabungan Ekonomi Biaya pencairan -
About Bancnet
About BancNet Presented at 19th Floor, Equitable Tower, 8751 Paseo de Roxas Makati City 1226 Who is BancNet • Electronic Switch Network that has financial institutions as its shareholders / members • 113 Member Banks • The largest inter bank network in the Philippines • First and Largest ATM Consortium in the Philippines • More than 23 years experience in ATM Networks • 113 Member Banks and Subscribers … and growing • Over 33.2 Million Active Cardholders, 11,383 ATMs • Strategy of Going Beyond ATM Banking • Multi-Bank, Multi-Channel Electronic Payment Network National and International Interconnection • ATM Networks Expressnet, Megalink • ATM Networks Mastercard, VISA • ATM & POS Network China Union Pay (CUP) • International partnership with NYCE BancNet Network I.CAN Government Agencies EPS POS POS Network ATM Network Network WeePay Member Banks ECS Bankard POS Network GHL BDO POS Network ATM Network Channels, Products & Services Point-of-Sale Internet Mobile Phone Mobile Phone Cash Withdrawal Intrabank Fund Transfer Cash Advance Inter Bank Fund Transfer Intrabank Fund Transfer Debit Card Purchase/Cash (CUP/VISA/JBC/Discover/D Checkbook Reorder Inter Bank Fund Transfer Withdrawal or Cash-out iners/MasterCard/Local) e-Shopping Checkbook Reorder Intrabank Fund Transfer Tax Payment e-Load Inter Bank Fund Transfer SSS-EDI Corporate G-Cash Reload Checkbook Reorder Philhealth (softlaunch) Statement Request Pagibig (Soon) G-Cash Reload/Auto Reload Balance Inquiry and Bills Payment Going Beyond ATM Banking BANCNET TAX PAYMENT ENROLLMENT PROCESS via BIR WEBSITE BANCNET BIR RDO EMPLOYER HSBC-AAB INFRASTRUCTURE Enroll via BIR Website Validate required documents submitted by Employer Bank to enroll the ff: via BancNet TPG Receive email 1. -
BSP Digital Payments Transformation Roadmap Report
BSP Digital Payments Transformation Roadmap 2020-2023 I. Vision and Strategic Outcomes (Targets by 2023) The BSP’s thrust to promote financial inclusion and digitalization of payments are mutually reinforcing: they go hand-in-hand, each enabling the other. As the BSP continues to foster the growth and development of digital payment innovations through enabling policies and regulations, it also promotes further financial inclusion. Digital payment innovations lower transaction costs and eliminate the oft-cited barriers to owning a transaction account. The widespread use of the internet and emergence of technological innovations make digital payments ubiquitous, more accessible and affordable, thereby propelling the progressive shift towards a cash-lite economy. Moreover, with the sudden onset of the COVID-19 global pandemic, the shift towards digital payments has become an imperative as physical distancing rules become the norm under the “New Economy” environment. By using digital payments with due care and vigilance, Filipinos reduce the need for mobility and prevent health risks from face-to-face and over-the-counter (OTC) financial transactions. The greater usage of digital payments will also facilitate the growth of Fintech businesses engaged in e-commerce businesses as the consumption of goods and services is increasingly driven by online purchases. Objective An efficient, inclusive, safe and secure digital payments ecosystem that supports the diverse needs and capabilities of individuals and firms, towards achievement of the BSP’s mandates Strategic Outcomes a. Strengthened customer preference for digital payments by: • Converting 50% of the total volume of retail payments into digital form, considering that payment services are the gateway of most Filipinos to the formal financial system. -
Settlement Systems of East Asian Economies
Settlement Systems of East Asian Economies Commissioned by Ministry of Finance Japan March 2004 Institute for International Monetary Affairs Table of Contents Foreword.........................................................................................................................................1 List of Abbreviation ....................................................................................................................3 Chapter 1 Payment Systems of Hong Kong and Singapore, and Cross-border Linkages.........8 1. Payment Systems of Hong Kong....................................................................................................8 (1) Payment Systems...............................................................................................................8 i. HK-Dollar RTGS System ................................................................................................8 ii. USD RTGS System..........................................................................................................8 iii. Euro RTGS System........................................................................................................10 iv. Plans for a Yen RTGS System.......................................................................................11 v. Plans for Linking PvP Settlement Systems....................................................................11 (2) Securities Settlement Systems .........................................................................................12 i. Central Moneymarkets -
Proswitching
INTRODUCTION Today, banking industry requires connection to many biller and 3rd party financial switching company to provide a broader range of services for their customers. Managers are often challenged to provide new connection or payment to accommodate the new banking need in a given time to capture the business opportunity. Many found it is difficult or even impossible to extend their technology for the new connection within reasonable cost and time. As a result banks are often lost money and competitive advantages as they have tried using outdated / unmanageable platform. ProSwitching Payment Gateway ProSwitching payment gateway are designed to enable organization/banks to integrate with variety of 3rd party atm switch or billers without altering the existing infrastructure, and provides a flexible, scalable software solution that seamlessly bridges real-world payment channels and banking system applications with third party connections. ProSwitching payment gateway Solution ProSwitching Payment Gateway PT. Metalogic Infomitra http: www.metalogic.co.id ProSwitching manage reliable delivery between systems. ProSwitching has delivered more than 500.000 transactions daily on banking payment system. ProSwitching handle a large number of transaction volume and connections with high-speed throughput, providing extremely efficient and reliable core messages platform for financial institutions. ProSwitching payment gateway Increase Productivity ProSwitching payment gateway allow bank to share a common set of payment by all different delivery channels. ProSwitching payment gateway product is scalable to accommodate growth in transaction volume without interrupting the banking services. PROSWITCHING PLATFORM ProSwitching Gateway operate on open platform - UNIX & Linux based high availability Servers, using Progress RDBMS as the database engine and 4GL gateway language. -
Investment Banking
LeadingAsia ANNUAL REPORT 2012 ANNUAL REPORT 2012 MALAYAN BANKING BERHAD Today, we stand by Asia with assets in excess of RM495 billion. 16% Return on Equity Building Ahead of Target Today, we stand by Asia with assets in excess of RM495 billion. Maybank, one of Southeast Asia’s largest banks, has been supporting your aspirations for more Rising Regional than 50 years. Serving you in 20 countries across the globe and connecting you Strength to new opportunities through 2,200 offices across Southeast Asia, Greater China Contribution 30% International Profit Contribution and the world. We are Humanising Financial Services Across Asia. Across On Track with (3813-K) Maybank’s 2015 Southeast Asia www.maybank.com Strategic Objectives Presence in 10 Southeast Asian countries Leading in more ways than one. With a presence in 10 WE’RE LEADING ASIA Southeast Asian countries and expansion of our business footprint across the region, we have accelerated our momentum across Asia and we’re confident of our role in contributing to Asia’s prosperity and sustainability. We offer consistent service with seamless banking and a wider spectrum of value-added services. We provide our customers with easy access to financial services, fair terms and pricing and advise them on their financial needs. At the same time, we remain committed to being at the heart of the communities we serve. to grow in spite of a challenging world economy, we AS ASIA CONTINUES remain committed to its people and its diverse communities. In the spirit of Maybank, we continue to humanise financial services and provide enhanced value in the diversity of our products and services.