CE Banking Outlook Winning in the Digital Arms Race October 2016 Contents
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BRANDFINANCE Banking
BRANDFINANCE® banKING 500 THE ANNUAL REPORT ON THE World’S MOST VALUABLE Banking brands | MARCH 2013 Is the global banking crisis nearly over? 2 | BRANDFINANCE® BANKING 500 | MARCH 2013 Contents Contents BRANDFINANCE® 3 FOREWORD BANKING 500 4 EXECUTIVE SUMMARY The BrandFinance® Banking 500 Is the global banking crisis nearly over? is published by Brand Finance plc and is the only study to rank the 6 THE TOP 20: PROFILES top 500 most valuable banks in Worthy winners the world A run-down of the world’s most valuable banking brands 15 WINNERS AND LOSERS East beats West Agricultural Bank of China enjoyed the biggest gain in brand value this year, and HSBC suffered the biggest loss Brand Finance plc 3rd Floor, Finland House, 16 REGIONAL RESULTS 56 Haymarket, London A shifting picture SW1Y 4RN United Kingdom The overall result masks important regional and country Tel: +44 (0) 207 389 9400 variations Fax: +44 (0) 207 389 9401 www.brandfinance.com 19 SECTOR RESULTS [email protected] 20 BANKING FORUM 2013 Welcome to the age of Apple Bank? Pundits at Brand Finance’s fourth annual Banking Forum in February challenged banks to think outside the banking box when it comes to customer focus. 24 METHODOLOGY How do we value brands? 25 BESPOKE REPORTS 26 THE TOP 500 MOST VALUABLE BANKING BRANDS Five pages of league table results Publishing partner Every year the BrandFinance® Banking 500 is published by The Banker magazine, the world’s premier banking and finance resource MARCH 2013 | BRANDFINANCE® BANKING 500 | 3 Foreword David Haigh CEO Brand Finance plc The improved performance of banks around the world reflects a concerted effort‘ to get their houses in order Since it was first compiled THE STORM CLOUDS over the global ’increasingly targeted at the specific needs in 2005 the BrandFinance® banking industry seem, at last, to be clearing. -
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. -
FHB Mortgage Bank Co. Plc. PUBLIC OFFERING the FHB Mortgage
FHB Mortgage Bank Co. Plc. PUBLIC OFFERING The FHB Mortgage Bank Co. Plc’s (registration number: 01-10-043638, date of registration: 18 March 1998, head office: 1082 Budapest, Üllői út 48.) (hereafter: “Issuer”, FHB Nyrt.” or “Bank”) Board of Directors has a regulation No. 89/2012. (14. December) to launch its Issue Program 2012-2013 with a HUF 200 billon total nominal value for issuance of Hungarian Covered Mortgage Bonds (jelzáloglevelek) and Notes, within the frameworks of it the Issuer is planning to issue different registered covered mortgage bonds’ and bonds’ series and within the series different tranches. Since there is no universal responsibility between the Issuer and the Managers, the securities issued under the auspices of the Base Prospectus have out of ordinary risks. The Issuer publishes its Base Prospectus on the website of its own and of the BSE the hard copies are available at the selling places. The number and date of the license granted by the Hungarian Financial Supervisory Authority (HFSA) to publish the Base Prospectus of the Issue Program and the disclosure of the public issue: KE-III-55/2012. 03. February 2012. The FHB Mortgage Bank Co. Plc’s (registration number: 01-10-043638, date of registration: 18 March 1998, head office: 1082 Budapest, Üllői út 48.) (hereafter: “Issuer”, FHB Nyrt.” or “Bank”) Board of Directors has a regulation No. 70/2012. (13. December) to launch its Issue Program 2013-2014 with a HUF 200 billon total nominal value for issuance of Hungarian Covered Mortgage Bonds (jelzáloglevelek) and Notes, within the frameworks of it the Issuer is planning to issue different registered covered mortgage bonds’ and bonds’ series and within the series different tranches. -
For Legal Reasons, Private Bankers Domiciled in Switzerland Were Not Included in This List
Bank for International Settlements March 2010 Monetary and Economic Department RESTRICTED Triennial Central Bank Survey of Foreign Exchange and Derivatives Market Activity Turnover in April 2010 FINAL list of reporting dealers by country, name and SWIFT code SWIFT ID Country Name (N: Not available) Note: For legal reasons, private bankers domiciled in Switzerland were not included in this list. 1 AR ABN AMRO BANK N V ABNAARBA 2ARAMERICAN EXPRESS BANK LTD SA AEIBARB1 3ARBANCO BI CREDITANSTALT SA BIINARBA 4ARBANCO BRADESCO ARGENTINA SA BBDEARBA 5ARBANCO CETELEM ARGENTINA SA N 6ARBANCO CMF SA CMFBARBA 7ARBANCO COLUMBIA SA N 8ARBANCO COMAFI SA QUILARBA 9ARBANCO CREDICOOP COOPERATIVO LIMITADO BCOOARBA 10 AR BANCO DE CORRIENTES SA N 11 AR BANCO DE FORMOSA SA BFSAARBF 12 AR BANCO DE GALICIA Y BUENOS AIRES SA GABAARBA 13 AR BANCO DE INVERSION Y COMERCIO EXTERIOR SA BICXARBA 14 AR BANCO DE LA CIUDAD DE BUENOS AIRES BACIARBA 15 AR BANCO DE LA NACION ARGENTINA NACNARBA 16 AR BANCO DE LA PAMPA PAMPARBA 17 AR BANCO DE LA PROVINCIA DE BUENOS AIRES PRBAARBADIV 18 AR BANCO DE LA PROVINCIA DE CORDOBA CORDARBA 19 AR BANCO DE LA PROVINCIA DEL NEUQUEN BPNEARBA 20 AR BANCO DE LA REPUBLICA ORIENTAL DEL URUGUAY BROUARBA 21 AR BANCO DE SAN JUAN SA N 22 AR BANCO DE SANTA CRUZ SA BPSCARB1 23 AR BANCO DE SANTIAGO DEL ESTERO SA N 24 AR BANCO DE SERVICIOS Y TRANSACCIONES SA N 25 AR BANCO DE VALORES SA BAVAARBA 26 AR BANCO DEL CHUBUT SA BPCHARBA 27 AR BANCO DEL SOL SA N 28 AR BANCO DEL TUCUMAN SA BDTUARBM 29 AR BANCO DO BRASIL SA BRASARBA 30 AR BANCO FINANSUR SA BFSUARBA -
Takarék Mortgage Bank Plc. Half-Year Financial Report for the First
Takarék Mortgage Bank Plc. Half-year financial report for the first half of 2018 Budapest, 16 August, 2018 WorldReginfo - 298b8553-bce4-401b-a0b9-5c535d55cbf2 HALF-YEAR FINANCIAL REPORT FOR THE FIRST HALF OF 2018 I. SUMMARY CONSOLIDATED FIGURES AND TREND OF KEY PERFORMANCE INDICATORS H1 2018 / H1 H1 2018 / H2 in HUF million H1 2017 H2 2017 H1 2018 2017 2017 Main balance sheet items Total assets 574,588 610,577 616,844 7.4% 1.0% Refinanced loans 56,884 76,597 87,556 53.9% 14.3% Loans (gross) 318,648 327,224 350,998 10.2% 7.3% Mortgage bonds 161,658 174,933 184,165 13.9% 5.3% Senior unsecured bonds 19,245 9,030 7,651 -60.2% -15.3% Customer deposits 284,508 329,253 292,836 2.9% -11.1% Shareholders' equity 57,530 50,332 52,099 -9.4% 3.5% H1 2018 / H1 H1 2018 / H2 in HUF million H1 2017 H2 2017 H1 2018 2017 2017 Main P/L items Net interest income 6,603 6,242 6,970 5.6% 11.7% Net interest margin 2.28% 2.13% 2.29% 0.01%-pt 0.16%-pt Net fees and commissions 2,629 2,946 2,557 -2.7% -13.2% Net operating income 9,130 965 12,900 41.3% - Provision for impairment on loans losses -7 -1,627 -989 - -39.2% Operating cost -8,757 -9,026 -7,627 -12.9% -15.5% Cost to income ratio 95.9% 934.9% 59.1% -36.8%-pt -875.8%-pt Cost/income ratio w/o special banking tax 90.6% 805.5% 57.3% -33.4%-pt -748.2%-pt Profit from continuing operation before 365 -9,688 4,284 - - income taxes Profit from continuing operation after 330 -11,541 4,144 - - income taxes Profit from discontinued operation -172 3,194 0 -100.0% -100.0% Profit after tax w/o special banking tax 692 -8,192 4,562 - - Profit after tax w/o special banking tax and 1,418 -7,586 4,876 243.8% - other one-offs Basic EPS (HUF) 1.76 -82.55 50.58 - - Return on Assets 0.05% -1.36% 1.36% 1.3%-pt 2.7%-pt Return on Equity 0.55% -15.17% 16.31% 15.8%-pt 31.5%-pt ROAA w/o special banking tax and other 0.49% -1.02% 1.60% 1.1%-pt 2.6%-pt one-offs ROAE w/o special banking tax and other 4.97% -11.43% 19.20% 14.2%-pt 30.6%-pt one-offs 2 WorldReginfo - 298b8553-bce4-401b-a0b9-5c535d55cbf2 HALF-YEAR FINANCIAL REPORT FOR THE FIRST HALF OF 2018 II. -
Hypostat 2017
HYPOSTAT 2017 HYPOSTAT 2017 | A REVIEW OF EUROPE’S MORTGAGE AND HOUSING MARKETS European Mortgage Federation September 2017 The entire content of this publication is protected by copyright. All rights reserved. No part of this publication may be reproduced, stored DISCLAIMER in a retrieval system, or transmitted in any other form or by any means: electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the European Mortgage Federation – European Covered Bond Council. CONTACT DETAILS EDITORS Daniele Westig Luca Bertalot Economic Adviser Secretary General [email protected] [email protected] Tel: +32 2 285 40 40 Tel: +32 2 285 40 35 LIST OF AUSTRIA FRANCE PORTUGAL Wolfgang Amann Emmanuel Ducasse António Figueiredo Lopes CONTRIBUTORS Institut für Immobilien, Crédit Foncier Immobilier Caixa Economica Montepio Geral OF DATA AND Bauen und Wohnen Gmbh [email protected] [email protected] [email protected] ANALYSIS GERMANY ROMANIA Karin Wagner Thomas Hofer Ştefan Dina Oesterreichische Nationalbank Verband deutscher Pfandbriefbanken (vdp) Romanian Association of Banks [email protected] [email protected] [email protected] BELGIUM GREECE SLOVAKIA Frans Meel Calliope Akantziliotou Paolo Colonna Union Professionnelle du Crédit (Febelfin) Bank of Greece European Mortgage Federation – [email protected] [email protected] European Covered Bond Council [email protected] BULGARIA HUNGARY Maria Pavlova Gyula Nagy SLOVENIA European Mortgage Federation – FHB -
Banking Automation Bulletin | Media Pack 2021
Banking Automation BULLETIN Media Pack 2021 Reaching and staying in touch with your commercial targets is more important than ever Curated news, opinions and intelligence on Editorial overview banking and cash automation, self-service and digital banking, cards and payments since 1979 Banking Automation Bulletin is a subscription newsletter Independent and authoritative insights from focused on key issues in banking and cash automation, industry experts, including proprietary global self-service and digital banking, cards and payments. research by RBR The Bulletin is published monthly by RBR and draws 4,000 named subscribers of digital and printed extensively on the firm’s proprietary industry research. editions with total, monthly readership of 12,000 The Bulletin is valued by its readership for providing independent and insightful news, opinions and 88% of readership are senior decision makers information on issues of core interest. representing more than 1,000 banks across 106 countries worldwide Regular topics covered by the Bulletin include: Strong social media presence through focused LinkedIn discussion group with 8,500+ members • Artificial intelligence and machine learning and Twitter @RBRLondon • Biometric authentication 12 issues per year with bonus distribution at key • Blockchain and cryptocurrency industry events around the world • Branch and digital transformation Unique opportunity to reach high-quality • Cash usage and automation readership via impactful adverts and advertorials • Deposit automation and recycling • Digital banking and payments Who should advertise? • Financial inclusion and accessibility • Fintech innovation Banking Automation Bulletin is a unique and powerful • IP video and behavioural analytics advertising medium for organisations providing • Logical, cyber and physical bank security solutions to retail banks. -
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. -
Fhb Mortgage Bank Plc Consolidated Annual Report
FHB MORTGAGE BANK PLC CONSOLIDATED ANNUAL REPORT FOR YEAR 2015 ACCORDING TO IFRS FHB MORTGAGE BANK PLC. CONSOLIDATED BUSINESS REPORT FOR 2015 ACCORDING TO IFRS Budapest, 5 April, 2016. CONSOLIDATED ANNUAL RE ORT FOR THE YEAR 2015 TABLE OF CONTENTS 1 Overview of FHB (roup .............................................................................................................................................. 3 1.1 FHB Mortgage Ban- l.. ........................................................................................................................................ 3 1.2 FHB Commer.ial Ban- Ltd. .................................................................................................................................... 5 1.3 FHB Real Estate Ltd. ............................................................................................................................................. 6 1.0 FHB L12ing Ltd. ...................................................................................................................................................... 6 1.5 Di3fa Asset Management Ltd. ................................................................................................................................ 7 1.6 FHB IN5EST Investment and Real Estate Management Ltd ................................................................................. 7 1.7 6ointly .ontrolled and asso.iated .ompanies ......................................................................................................... 8 2 Ma.roe.onomi. -
Bank Credit Research
BANK CREDIT RESEARCH WEEKLY RATINGS LIST Banks Securities Firms Country Ceilings November 17, 2008 Published weekly by Moody’s Investors Service New York • Tokyo • London • Paris • Sydney • San Francisco • Frankfurt • Madrid • Dallas • Toronto Hong Kong • Singapore • Limassol • São Paulo • Milan • Mexico City • Beijing • Buenos Aires • Taipei Chicago • Johannesburg • Jersey City • Boston • Seoul • Moscow • Mumbai • Prague • Jakarta • Dubai Moody’s Investors Service • 1 • Moody’s Investors Service • 2 • Table of Contents Global Bank Ratings. 5 Global Bank Ratings by Country. 36 Government Bonds & Country Ceilings . 71 Global Banks by Rating . 74 Global Banks by Financial Strength Ratings . 75 Bank Preferred Stock Ratings. 108 Securities Industry Ratings . 115 Moody’s Investors Service • 3 • Moody’s Investors Service • 4 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term AB BANKAS SNORAS RUR Ba3 D- NR — — NP AB UKIO BANKAS RUR Ba3 D- — — — NP ABANKA VIPA D.D. STA A3 D+ — — — P-2 ABH FINANCIAL (ALFA) — — — — — — — Alfa MTN Markets Limited STA — — Ba1 — — NP Alfa-Bank STA Ba1 D+ — Ba2 — NP Alfa Bank Ukraine STA B2 E+ Ba3 — — NP Alfa-Bank Kazakhstan STA Ba3 E+ — — — NP ABN AMRO HOLDING N.V. STA — — (P)Aa3 (P)A1 — — ABN AMRO Bank N.V. STA(m) Aa2 B- Aa2 Aa3 Aa2 P-1 ABN AMRO Bank N.V. (Argentina) STA Caa1 — — — — NP ABN AMRO Bank N.V. London Branch DEV — — Aa2 — — — ABN AMRO Bank N.V., Australian B STA — — Aa2 — — P-1 ABN AMRO Bank N.V., Chicago STA Aa2 — — Aa3 — — ABN AMRO Bank N.V., Paris STA Aa2 — — — — P-1 ABN AMRO Bank N.V.,Montevideo Br STA(m) B2 — — — — NP ABN AMRO North America Fin Inc. -
Bank BPH and Recent Trends in Poland's Banking Sector
RECENT TRENDS IN POLAND'S BANKING SECTOR AND BANK BPH – 3Q 2014 Summary December 2014 Inteliace Research AGENDA Recent trends the in banking sector Poland in and bank BPH, December 2014 . Banking sector . Bank BPH 2 Inteliace Research POLAND'S BANKING SECTOR: SUMMARY AS OF Q3 2014 SUMMARY 1 • All key banking volumes keep growing. Volumes • Most growth taking place in retail segment. • Deposits grow faster than loans. 2 Recent trends the in banking sector Poland in and bank BPH, December 2014 • Deposit margins have been under pressure again due to falling market interest rates Margins following central bank rate cuts. • Lending margins are in an increasing trend 3 • The overall lending quality is improving. Both consumer and corporate debt show decreasing NPL rates. Lending Quality • The only loan category where quality is falling is mortgage. The cause is ageing portfolios and only limited dilution from new loans due to very slow mortgage origination. 4 • Total interest revenues are increasing thanks to growing volumes. • Pressure on fee and commission income persists mainly due to regulatory developments Profitability (e.g. payment card interchange, fx mortgage repayment, bancassurance etc.). • However, slowing f&c income is more than compensated by interest income and falling risk cost. 3 Inteliace Research Source: Inteliace Research BOTH RETAIL DEPOSITS AND RETAIL LOANS ARE GROWING HOUSEHOLDS Annual growth rate in outstanding loans / deposits at banks Dec.2010-Oct.2014 in in % % 30 HH Deposits (billion PLN) 30 HH Loans (billion PLN) 28 28 • Household 26 26 deposits keep Recent trends the in banking sector Poland in and bank BPH, December 2014 24 24 growing. -
BRE FINANCE FRANCE SA (Incorporated As a Société Anonyme in the Republic of France)
This prospectus constitutes a base prospectus (the Base Prospectus or the Prospectus) in respect of non- equity securities within the meaning of Article 22 Para.(6) No. 4 of the Commission Regulation (EC) No 809/2004 of April 29, 2004 (the Commission Regulation). BASE PROSPECTUS BRE FINANCE FRANCE SA (incorporated as a société anonyme in the Republic of France) €2,000,000,000 Euro Medium Term Note Programme unconditionally and irrevocably guaranteed by BRE BANK SA (incorporated as a joint stock company in the Republic of Poland) Under this €2,000,000,000 Euro Medium Term Note Programme (the Programme), BRE Finance France SA (the Issuer) may from time to time issue notes (the Notes) denominated in any currency agreed between the Issuer and the relevant Dealer (as defined below). The payments of all amounts due in respect of the Notes will be unconditionally and irrevocably guaranteed by BRE Bank SA (the Guarantor or the Bank, and together with its consolidated subsidiaries, the Group). The maximum aggregate nominal amount of all Notes from time to time outstanding under the Programme will not exceed €2,000,000,000 (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Notes may be issued on a continuing basis to one or more of the Dealers specified under "Overview of the Programme" and any additional Dealer appointed under the Programme from time to time by the Issuer (each a Dealer and together the Dealers), which appointment may be for a specific issue or on an ongoing basis.