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In Denemarken
FOOD RETAIL IN DENEMARKEN FLANDERS INVESTMENT & TRADE MARKTSTUDIE FOOD RETAIL IN DENEMARKEN December 2015 Flanders Investment & Trade Gothersgade 103, 2. Sal DK-1123 København K Tel.nr. +45 33 13 04 88 - [email protected] Inhoudstabel 1 Algemene informatie ................................................................................................................ 3 2 Marktinformatie ....................................................................................................................... 3 3 Marktstructuur ......................................................................................................................... 4 3.1 Overzicht marktaandeel van concerns en ketens 2014..................................................... 4 3.2 De belangrijkste spelers................................................................................................. 5 3.3 Overzicht met contactgegevens ..................................................................................... 8 3.4 Overzicht verschillende types warenhuizen in Denemarken ........................................... 10 3.5 Online supermarkten .................................................................................................. 10 4 De kiosken en groothandelaars ................................................................................................ 11 5 Foodservice............................................................................................................................ 13 6 Prijsniveau van voeding en dranken -
Convenio De Autorización Y Solicitud De Transferencia Electrónica De Fondos En Concepto De Reintegro De Lo Abonado Por Prestaciones Dinerarias
Convenio de Autorización y Solicitud de Transferencia Electrónica de Fondos en concepto de Reintegro de lo abonado por prestaciones dinerarias Razón social Póliza N° CUIT N° Domicilio Constituido Localidad E-mail Tel. DATOS DE LA CUENTA BANCARIA* Denominación de la cuenta: CBU: Bancos adheridos (*) N° ENTIDAD N° ENTIDAD N° ENTIDAD 7 BANCO DE GALICIA 97 BANCO PROVINCIA DEL NEUQUÉN S.A. 309 BANCO RIOJA S.A. 11 BANCO DE LA NACION ARGENTINA 143 BRUBANK S.A.U. 310 BANCO DEL SOL S.A. 14 BANCO DE LA PROVINCIA DE BUENOS AIRES 147 BANCO INTERFINANZAS S.A. 311 NUEVO BANCO DEL CHACO S. A. 15 INDUSTRIAL AND COMMERCIAL BANK OF CHINA (ICBC) 150 HSBC BANK ARGENTINA S.A. 312 BANCO VOII S.A. 16 CITIBANK N.A. 165 JPMORGAN CHASE BANK, NATIONAL ASSOCIATIO 315 BANCO DE FORMOSA S.A. 17 BBVA BANCO FRANCÉS S.A. 191 BANCO CREDICOOP COOPERATIVO LIMITADO 319 BANCO CMF S.A. 20 BANCO DE LA PROVINCIA DE CORDOBA S.A. 198 BANCO DE VALORES S.A. 321 BANCO DE SANTIAGO DEL ESTERO S.A. 27 BANCO SUPERVIELLE S.A. 247 BANCO ROELA S.A. 322 BANCO INDUSTRIAL S.A. 29 BANCO DE LA CIUDAD DE BUENOS AIRES 254 BANCO MARIVA S.A. 330 NUEVO BANCO DE SANTA FE S.A. 34 BANCO PATAGONIA S.A. 259 BANCO ITAU ARGENTINA S.A. 336 BANCO BRADESCO ARGENTINA S.A.U. 44 BANCO HIPOTECARIO S.A. 266 BNP PARIBAS 338 BANCO DE SERVICIOS Y TRANSACCIONES S.A. 45 BANCO DE SAN JUAN S.A. 268 BANCO PROVINCIA DE TIERRA DEL FUEGO 341 BANCO MASVENTAS S.A. -
Tablas De Comisiones En El Sistema Financiero Argentino
Tablas de Comisiones en el Sistema Financiero Argentino Caja de Ahorros Cuenta Corriente Paquete Premium Paquete Básico Paquete Previsional con adelanto de Haberes Jubilatorios Tarjetas de Crédito Información al 01.05.2016 Caja de ahorros Las Caja de Ahorros son gratuitas en su apertura, mantenimiento Para las cuentas sueldo/previsionales, las entidades no pueden y en la provisión de una tarjeta de débito a cada titular al momen- cobrar por extracciones por hasta el total del haber dentro del to de la apertura de la cuenta. sistema bancario, o sea que a diferencia de las caja de ahorros, no También son gratuitas todas las operaciones por ventanilla, las pueden cobrar por retiros en cajeros de otras entidades, indepen- transferencias bancarias y las operaciones que se realicen a través dientemente de las redes. de cajeros automáticos y terminales de autoservicio dentro de alguna sucursal de la misma entidad de la que es cliente. Tiene costo el uso de cajeros automáticos de otros bancos y de los que estén instalados fuera de las sucursales bancarias, como por ejemplo supermercados, shoppings y estaciones de servicio aún cuando sean de la propia entidad. Denominación Apertura Provisión Emi- Reposi- Uso de Uso de Uso de Uso de Uso de Tasa Entidad y mante- tarjeta sión de ción de cajeros cajeros cajeros cajeros cajero Efectiva nimiento débito a tarjeta Tarjetas automá- auto- auto- auto- automá- Mínima de titulares de débi- de dé- ticos en máticos máticos máticos tico en el cuenta en la to adicio- bito por sucursa- fuera de de otros de otros exterior apertura nal robo o les de la sucursa- bancos- bancos- mensual extravío entidad les ban- misma distinta carias red red (por ej: super- mer- cados, shop- pings) Banco Credicoop $ 0,00 $ 0,00 $ 0,00 $ 10,29 $ 0,00 $ 10,89 $ 10,89 $ 12,10 U$S 3.00 0,25% Cooperativo Limitado Banco de Galicia $ 0,00 $ 0,00 $ 0,00 $ 33,18 $ 0,00 $ 0,00 $ 12,80 $ 14,60 $ 5 más 0,01% y Buenos Aires S.A. -
Organizing for Effectiveness and Growth in Cooperative Financial Services a Focus on the Americas Foreword from the International Summit of Cooperatives
Financial Services ORGANIZING FOR EFFECTIVENESS AND GROWTH IN COOPERATIVE FINANCIAL SERVICES A FOCUS ON THE AMERICAS FOREWORD FROM THE INTERNATIONAL SUMMIT OF COOPERATIVES We would like to thank Oliver Wyman for their focus on cooperative financial services in the Americas. This pioneering report complements three previous Oliver Wyman studies focused on of the European cooperative banking sector, and its publication is timely as international stakeholders seek to understand better the organizational challenges, dynamics, and opportunities this sector represents. In contrast with Europe, where cooperative banking has a significant market share (and in some countries is the majority of the banking industry), cooperatives in the Americas typically account for a smaller proportion of both deposits and loans, and are systemically less important than their shareholder counterparts. Nevertheless, across the Americas, cooperative banks and credit unions have a significant – and, this report argues, growing – role to play given the natural synergy of cooperative values, member service, and community development. We welcome the fact that the study challenges the conventional wisdom of growth and organizational effectiveness in the sector and seeks to identify practices that will enhance the relevance and sustainability of the cooperative model. Ultimately, we believe these will help to ensure broad access to the financial system by all. SUZANNE GENDRON STÉPHANE BERTRAND Managing Vice President Executive Director Cooperation and Corporate Affairs International Summit of Cooperatives Desjardins ACKNOWLEDGEMENTS Oliver Wyman acknowledges the industry executives and other stakeholders who contributed their perspectives and served as a sounding board in helping formulate our hypotheses throughout this project. Their willingness to share their views is a testament to the collaborative nature of the cooperative movement. -
Exploring the Cooperative Economy Report 2019 Report 2019
EXPLORING THE COOPERATIVE ECONOMY REPORT 2019 REPORT 2019 EXPLORING THE COOPERATIVE ECONOMY www.monitor.coop Titolo capitolo 1 THE 2019 WORLD Bruno Roelants THE WORLD COOPERATIVE MONITOR IS AN INTERNATIONAL COOPERATIVE ALLIANCE INITIATIVE WITH THE SCIENTIFIC SUPPORT OF EURICSE COOPERATIVE MONITOR Gianluca Salvatori EXPLORING THE COOPERATIVE ECONOMY MADE POSSIBLE BY THE SUPPORT OF OUR ORGANISATIONAL PARTNERS The International Cooperative Alliance (ICA) and the We have also continued in this year’s report with the analysis European Research Institute on Cooperative and Social of the contribution of the Top 300 to meeting the objectives of the Enterprises (Euricse) are pleased to present the eighth UN Sustainable Development Goals (SDGs). Utilizing documents annual World Cooperative Monitor report. This publica - reported in the Global Reporting Initiative (GRI) format, we ana- tion reports on the world’s largest cooperatives and mu - lysed indicators related to SDG 8 (inclusive and sustainable eco- tuals, or groups of cooperatives and mutuals, providing nomic growth, full and productive employment and decent work rankings of the Top 300 and sectoral analysis based on for all) to demonstrate the concrete actions taken by the Top 300 2017 financial data. towards meeting this goal. Three cases in particular related to SDG 8 are explored within the report: Up Groupe (France), KRIB- This year we have included additional data collection: HCO (India), and SOK (Finland). These cases present initiatives employment figures, cooperative type, and classification that cooperatives have implemented not only internally, but in of economic activity. The changes are discussed more ful- the community and along entire supply chains. ly in the methodology section, but our aim is to go beyond the Top 300 ranking based on turnover to explore more We would especially like to thank all of the contributors and fully the dynamics of the cooperative movement. -
644696 Master S Thesis 15 05
M.Sc. International Business Master’s Thesis Companies Committing to the Fight Against Plastic Pollution an explorative case study Authors: Henriette Bundgaard Knudsen. Student ID: 92260 Katrine Margrethe Bjorholm Arup. Student ID: 92424 Supervisor: Torben Juul Andersen Date of Submission: May 15th 2019 STU-Count and pages: 204.760 / 90 pages Abstract The negative environmental impact from plastic waste is a growing area of concern, which has led various actors to take actions to address the issue. This thesis investigates how companies work with initiatives to reduce the adverse effects from plastic pollution. More specifically, the study addresses to what extent companies work with these initiatives and explore the factors that influence them. Companies show a willingness to implement actions and are exposed to pressure from various stakeholders, while simultaneously navigating in an uncertain field caused by a current legislative gap. With an outset in existing literature on corporate social responsibility and supply chain management, an empirical study of six representative companies with introduced and implemented actions to deal with plastic pollution has been conducted. The study concludes that the extent to which the companies have addressed plastic pollution differ. It is shown that some companies have implemented a selected number of initiatives, others have developed a specific plastic or packaging strategy outlining future actions to be implemented, whereas for one company, the production of recycled plastic constitutes the actual business model. The thesis further concludes that companies are affected by both internal and external factors when looking into ways to address plastic pollution. Some of these factors are more company-specific. -
Sin Título De Diapositiva
Quiénes Somos Nuestra Misión Servicios Soluciones Alianzas Clientes PB-02-Reseña-20200127 Reseña GYF Quiénes Desde 1990 trabajamos para la industria financiera y de Somos seguros, implementando nuestras soluciones y brindando servicios de consultoría y desarrollo Nuestro principal capital son los profesionales que conforman la compañía y es nuestro desafío continuar brindando la mejor calidad de servicios y productos a la industria Nuestras principales características • Alto grado de profesionalismo de nuestros integrantes • Investigación de nuevas tecnologías aplicadas al negocio • Trabajar conjuntamente con nuestros Clientes • Hemos certificado ISO 9001:2015 PB-02-Reseña-20200127 Reseña GYF Asistir a nuestros clientes en sus proyectos, brindando soluciones estratégicas a sus necesidades de negocios Nuestra Superar constantemente, con productos y servicios, las Misión expectativas de nuestros clientes Actuar conjuntamente con nuestros clientes y partners para producir impacto en el logro de los objetivos Proporcionar atención personalizada en forma permanente Adecuarnos a los cambios tecnológicos para brindar soluciones con herramientas de última generación PB-02-Reseña-20200127 Reseña GYF Consultoría - Consultoría de Soluciones Informáticas Soluciones Servicios - Soluciones de Negocios y - Desarrollos de soluciones “LLAVE en MANO” Productos Tercerización de Servicios - Provisión de profesionales para Análisis y Desarrollo - Software Factory PB-02-Reseña-20200127 Reseña GYF Solución para la administración integral de A d i n t a r Tarjetas -
TRADE FINANCE FACILITATION PROGRAM (TFFP) Network February 2021
TRADE FINANCE FACILITATION PROGRAM (TFFP) Network February 2021 Fabio Jose Fagundes Division Chief, Financial Products and Services [email protected] Romario Alves Pinto Head, Trade Finance and Supply Chain [email protected] www.idbinvest.org idbinvest.org/blog idbinvest.org/linkedin idbinvest.org/twitter idbinvest.org/facebook CHILE JAMAICA Banco Internacional National Commercial Bank Jamaica Limited Banco Santander Chile Banco Consorcio MEXICO Banco Santander – México COLOMBIA Banca Afirme BBVA Colombia Bancolombia NICARAGUA TRADE COSTA RICA BAC Nicaragua Banco BAC San Jose, SA Banco Lafise Bancentro Banco BCT S.A. Banco de Finanzas FINANCE Banco Davivienda (Costa Rica) S.A. Banco de la Producción – Banpro Banco Improsa, S.A. Banco Ficohsa Nicaragua Banco Lafise, S.A. Banco Nacional de Costa Rica FACILITATION Banco Promerica de Costa Rica, S.A. PANAMA Scotiabank de Costa Rica S.A. Banco Aliado Banco Davivienda (Panamá) PROGRAM (TFFP) DOMINICAN REPUBLIC Banco Internacional de Costa Rica Banco BHD, S.A. - Banco Múltiple BCT Bank Internacional Banreservas Credicorp Bank Multibank Latin American and ARGENTINA Banco Múltiple Promerica Banco CMF S.A. Banco Múltiple Santa Cruz, S.A. TowerBank International Caribbean Financial Banco Comafi S.A. Banco Popular Dominicano, S.A. Unibank Banco Credicoop Cooperativo Limitado Banco de Galicia y Buenos Aires S.A. Intermediaries (LACFIs) Banco de Inversión y Comercio Exterior S.A. ECUADOR PARAGUAY Banco Bolivariano Banco de la Provincia de Cordoba S.A. Banco Atlas Banco Internacional Banco de Servicios y Transacciones S.A. Banco Continental Banco Industrial S.A. Banco Pichincha Banco Familiar Banco de Guayaquil Banco Patagonia S.A. Bancop Banco Santander Rio S.A. -
Unipol Gruppo S.P.A. and Unipolsai Assicurazioni S.P.A. Insurer Financial Strength BBB Unipolsai Assicurazioni S.P.A
Insurance Composite Italy Ratings Unipol Gruppo S.p.A. Insurer Financial Strength BBB Long-Term Foreign Currency IDR BBB- Unipol Gruppo S.p.A. and UnipolSai Assicurazioni S.p.A. Insurer Financial Strength BBB UnipolSai Assicurazioni S.p.A. Long-Term Foreign Currency IDR BBB- Outlooks Insurer Financial Strength Stable Long-Term Foreign Currency IDR Stable Financial Data Key Rating Drivers Unipol Gruppo S.p.A. Exposed to Italian Asset Risk: The ratings of Unipol Gruppo S.p.A. and UnipolSai Assicurazioni (EURm) Dec 19 Dec 18 S.p.A. (together Unipol) reflect the group’s strong underlying insurance financial performance Total assets 75,112 76,599 and adequate and resilient capitalisation. These elements are offset by the concentrated, Total equity 8,305 6,327 although reduced, exposure to Italian sovereign debt – Italy’s Long-Term Foreign-Currency Net written premiums 13,443 11,628 Issuer Default Rating (IDR) is ‘BBB-’/Stable. Unipol held EUR27 billion, or 3.3x consolidated shareholders’ equity, Italian sovereign debt at end-2019 (end-2019: 3.5x, end-2018: 4.0x). Net income 903 401 Solvency II (%) 187 163 Strong Underlying Insurance Profitability: Fitch Ratings assesses the profitability of Unipol’s Note: Reported on a yearly basis insurance activities as strong. The Fitch-calculated non-life combined ratio improved to 93% in Source: Fitch Ratings, company data 2019 (94% in 2018) and dropped to 82% in 1H20 following the reduced claims frequency due to the lockdown period in Italy. Fitch expects an improvement in Unipol’s reported results in 2020 as a result of the lower claims experience. -
Unipol E Unipolsai, Nuovi Cda E Nuove Ambizioni Groupama, Aumento Per
VENERDÌ 19 APRILE 2019 N. 1534 COMPAGNIE PRIMO PIANO Groupama, Unipol e UnipolSai, aumento nuovi cda e nuove ambizioni Concluse le assemblee dei soci che hanno riconfermato gli attuali per l’Italia vertici. Parlando a margine dell’assembla, Carlo Cimbri ha dato alcune Il consiglio di amministra- anticipazioni sul prossimo piano industriale (presentazione il 10 maggio) zione di Groupama Holding e sulla partecipazione in Bper Filiali e Partecipazioni ha deli- berato un aumento di capita- In attesa della presentazione del nuo- le per Groupama Assicurazio- vo piano industriale, che sarà comunicato il ni di 250 milioni di euro. Con prossimo 10 maggio, le assemblee dei soci di questa operazione, il capita- UnipolSai e Unipol hanno rinnovato i rispettivi le della compagnia passa a consigli di amministrazione e dato il via libera 492.827.400 euro. L’aumento ai dividendi. di capitale sarà sottoposto Per quanto riguarda UnipolSai, la cui as- all’approvazione dall’assem- semblea si è svolta il 17 aprile a San Lazzaro blea che si terrà il prossimo di Savena, la compagnia ha chiuso l’esercizio 29 aprile. 2018 con un utile netto civilistico di 412,8 mi- “Sono particolarmente lioni di euro. L’assemblea, che ha deliberato fiero di questo risultato – ha un dividendo di 0,145 euro per azione (la ce- commentato in una nota Pier- dola sarà staccata il 20 maggio) ha anche no- re Cordier, amministratore de- minato i componenti del consiglio di amministrazione per i tre esercizi 2019, 2020 e 2021. legato e direttore generale di Sulla base dell’unica lista presentata dal socio di maggioranza (cioè il gruppo Unipol), Groupama Assicurazioni – che l’assemblea ha stabilito in 18 il numero dei componenti del board, di cui Carlo Cimbri con- attesta chiaramente il suppor- serva la carica di presidente, con Fabio Cerchiai e Pierluigi Stefanini nel ruolo di vice presi- to del nostro azionista rispetto denti. -
Unipol Gruppo S.P.A. (“Unipol” Or the “Company”) Hereby Announces the Final Results of Its Invitation to Tender Its Outstanding €500,000,000 4.375 Per Cent
NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, ANY STATE OF THE UNITED STATES AND THE DISTRICT OF COLUMBIA OR TO ANY U.S. PERSON (AS DEFINED IN REGULATION S OF THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED) OR IN OR INTO OR TO ANY PERSON LOCATED AND RESIDENT IN ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE THIS DOCUMENT. UNIPOL ANNOUNCES THE RESULTS OF ITS TENDER OFFER IN RESPECT OF ITS OUTSTANDING 2021 NOTES Bologna, 21 September 2020 Further to the notice dated 14 September 2020, Unipol Gruppo S.p.A. (“Unipol” or the “Company”) hereby announces the final results of its invitation to tender its outstanding €500,000,000 4.375 per cent. Notes due 5 March 2021 (ISIN Code: XS1041042828) for purchase by the Company (the “Invitation” and the “Outstanding Notes” or the “Notes”) pursuant to the tender offer memorandum (the “Tender Offer Memorandum”) dated 14 September 2020. Capitalised terms used but not defined herein have the meaning ascribed to them in the Tender Offer Memorandum unless otherwise stated. As at 18 September at 17.00 CEST, being the Invitation Expiration, the aggregate principal amount of all Notes tendered was Euro 86,471,000 representing approximately 27.25% of the aggregate principal amount of the Outstanding Notes, equal to Euro 317,352,000. The Invitation is subject to (i) the successful completion, at Unipol's sole discretion, of the issuance of the New Notes placed on 16 September 2020 (the “New Notes”), as announced by the Company in a press release on the same date (the “New Issue Condition”) or (ii) its waiver of the New Issue Condition. -
Global 500 2014 the World’S 500 Largest Mutual and Cooperative Insurers
icmif FINANCIAL INSIGHTS International Cooperative and Mutual Insurance Federation Global 500 2014 The world’s 500 largest mutual and cooperative insurers INCLUDING THE GLOBAL 500 BY COUNTRY | THE GLOBAL 500 BY ORGANIZATIONAL STRUCTURE THE GLOBAL 500 BY LONGEVITY | FASTEST-GROWING MUTUAL AND COOPERATIVE INSURERS www.icmif.org 2 | GLOBAL 500 | 2014 Global 500 2014 The global mutual and cooperative insurance sector in 2014 MUTUAL AND COOPERATIVE PREMIUM PREMIUM GROWTH (2007-2014) INCOME (USD TRILLIONS) +13.6% Total market +29.6% Mutual/cooperative market 0.99 1.09 1.11 1.17 1.25 1.25 1.27 1.29 2007 2008 2009 2010 2011 2012 2013 2014 Mutual and cooperative insurers in 2014 collectively represented... USD 8.3 1.11 955 trillion million million in total assets employees members/policyholders Global mutual/cooperative market share TOTAL LIFE NON-LIFE 27.0% 24.3% 30.4% GLOBAL 500 | 2014 | 1 INTRODUCTION: THE GLOBAL 500 This report, the Global 500, is the outcome of the latest statistical research conducted by the International Cooperative and Mutual Insurance Federation (ICMIF) on the global mutual and cooperative insurance sector. The Global 500 report features an analysis of the world’s 500 largest mutual and cooperative insurers ranked by premium income, using 2014 year-end data. This is the eighth edition of the report, published annually alongside Global Mutual Market Share, ICMIF’s market intelligence report on the size and financial performance of the global mutual and cooperative1 (hereafter referred to as “mutual”) insurance industry. The world’s 500 largest mutual insurance companies in terms of premium revenue (referred to in the report as the Global 500), collectively wrote USD 1,221 billion in insurance premiums in 2014, representing 95% of the total global mutual sector (USD 1,286 billion).