The Image Management Strategy Through Social Networks
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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 -
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. -
CE Banking Outlook Winning in the Digital Arms Race October 2016 Contents
CE Banking Outlook Winning in the Digital Arms Race October 2016 www.deloitte.com\cebankingoutlook Contents Foreword Index of Banks Covered by Digital Maturity Executive Summary Analysis Banking Outlook Contacts in Central Europe Bulgaria Croatia The Czech Republic Hungary Poland Romania Slovakia Slovenia Foreword Although the performance of the banking sector in Central (1.3-1.5 percentage points above the eurozone). This relatively Foreword Europe (CE) is shifting up a gear as lending growth accelerates healthy economy has led a faster recovery of loan growth in CE to Executive and asset quality improves, profitability is still well below 3.4% y/y in 2015 (3 p.p. above Euro area) and should allow a further Summary pre-crisis levels. With low interest rates driving margin pick up to 5.0% y/y in 2018. Banking compression and a rising regulatory burden, banks need to Outlook improve operating efficiency. Asset quality has also been improving, with the non-performing loan Banks covered (NPL) ratio in CE down from a peak of 11.0% in 2013 to 8.8% in 2015 by Digital Maturity The digital maturity of banks in CE countries varies greatly but and is expected to fall to a level of 7.0% in 2018. As the region’s digitalization is a strategic priority for all. It can not only provide a key recovery progresses, the disparities between the leading countries in Contacts avenue for banks to reduce their cost to serve, it is also an imperative the north (Poland, the Czech Republic and Slovakia) and those in the that enables them to keep pace with the expectations of customers south (Hungary, Romania, Bulgaria, Croatia and Slovenia) are who are increasingly online and mobile. -
Registru Persoane Juridice
INTERMEDIARI DE CREDITE - PERSOANE JURIDICE STATUL MEMBRU IN CARE Nume conducere / persoane INTERMEDIARUL DE Nr. Crt Denumire Tip intermediar de credite legat/nelegat Creditorul/intermediarul in numele caruia actioneaza responsabile cu activitatea de CREDITE ISI DESFASOARA intermediere credite ACTIVITATEA SC A&A CONSULTANTA FISCALA SI Reprezentant desemnat Ion Angelina Gabriela administrator FINANCIARA SRL 1 RAIFFEISEN BANK SA ROMANIA 2 SC ABISOFT SRL Intermediar de credite nelegat Antoche Florin administrator ROMANIA BCR;UNICREDIT BANK;OTP BANK;PATRIA BANK;LIBRA BANK;ALIOR BANK;BRD;ING BANK;BANCA 3 TRANSILVANIA;BANCA ROMANEASCA;GARANTI SC ADWISERS PROFESSIONAL CONSULTING BANK;ALPHA BANK;ADWISERS IFN;CREDIT AGRICOLE Alexandru Rodica Irina, administrator SRL Intermediar de credite nelegat ROMANIA Ioniță Oana Roxana ROMANIA 4 SC ADO ADVISOR FINANCE SRL Intermediar de credite legat OTP ADVISORS SRL Oprea Adrian administrator ROMANIA 5 SC ADD FINANCIAL ADVISRS SRL Intermediar de credite nelegat SUD REZIDENTIAL BROKER SRL Dincă Alina Georgiana administrator ROMANIA 6 SC ADFIN PROCONS SRL Reprezentant desemnat SC ADWISERS PROFESIONAL CONSULTING SRL Găman Adriana administrator ROMANIA 7 SC ADRIANA LABES REAL ESTATE SRL Intermediar de credite nelegat SUD REZIDENTIAL BROKER SRL Labes Adriana administrator ROMANIA 8 Georgescu Creangă Andriana administrator SC ANDRIANA FINANCE SRL Intermediar de credite nelegat ALLIANCE FINANCE BROKER Crăciun- Busuioc Vasilica ROMANIA 9 SC ANDISTAR CREDIT SRL Intermediar de credite nelegat RAIFFEISEN BANK SA Perescu -
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. -
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. -
3.Dobanzi Depozite PF
www.analizafinbancara.ro Dobânzi Depozite la termen în RON - Persoane fizice Martie 2021 (dobandă fixă, plătită la scadență) 1 2 3 4 6 7 9 12 18 24 36 Suma minimă / Banca Notă Interval lună luni luni luni luni luni luni luni luni luni luni Litera constituire depozit Alior Bank 1.40% - 1.75% - 2.10% - - 2.50% - 2.75% 2.80% 1.000 RON - Online A +0.10% bonus ghi șeu și Alpha Bank 1 0.50% 0.50% 1.10% - 1.30% - 1.50% 1.90% - 2.10% 2.30% încasare venit la Alpha Banca Românească 0.65% - 1.35% 1.35% 1.80% 1.80% 2.80% 2.75% 2.50% - 500 RON Banca Transilvania 0.40% - 0.50% - 1.00% - - 1.60% - 1.65% 1.85% 100 RON 500 RON Online. +0.2% BCR 2 - - 0.25% - 0.50% - - 0.80% - 1.15% - încasare venit la BCR B Banca Română de BRCI 1.50% - 2.00% - 2.60% - 2.80% 3.60% - - - 500 RON Credite si Investiţii < 50.000 RON. Peste Blom Bank France 0.30% 0.30% 0.50% - 1.00% - 1.25% 1.25% - - - 50.000 RON negociabil 150 RON. +0,05% la BRD SocGen 3 0.10% - 0.45% - 0.75% - - 1.05% - 1.25% 1.40% încasare venit 300 RON 1 -12 luni CEC Bank 4 0.95% - 1.40% - 2.60% - - 3.10% - 3.35% 3.50% Online 1000 RON 24-36 luni C Credit Agricole Bank 1.10% - 1.60% - 1.80% - 2.30% 2.50% 2.60% 2.60% - 500 RON Credit Europe Bank 5 1.25% - 1.75% - 2.25% - 2.25% 2.50% - 2.30% - 1.000 RON.Fonduri noi 500 RON: 1-12 luni Online F First Bank 0.80% - 1.35% - 1.65% - - 2.15% - 1.90% 2.00% <40.000: 24-36 luni Ghișeu G Garanti Bank 6 0.85% - 1.50% - 2.20% - - 2.55% - - - 200 RON Idea Bank 0.90% - 1.95% - 2.50% - 2.05% 2.70% 2.75% 2.75% - 500 - 50.000 RON 7 Idea Bank 1.00% - 2.00% - 2.55% - 2.10% 2.75% 2.80% 2.80% - > 50.000 RON I 1.000 RON. -
Notification by National Committee for Macroprudential Oversight (NCMO) Romania on Recalibration of Syrb
Template for notifying the intended use of a systemic risk buffer (SRB) 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 and scope of the notification 1.1 Name of the National Committee for Macroprudential Oversight (NCMO) notifying authority 1.2 Type of measure intended Periodical recalibration of an existing SyRB. (also for reviews of existing measures) 2. Description of the notified measure 2.1 Institutions covered by the The systemic risk buffer is applicable to all credit institutions Romanian legal entities. intended SRB The level of the buffer rate was already set by the NCMO Recommendation No. 9/2017 on the systemic risk buffer in Romania. The measure was notified on January 31, 2018 and was implemented starting with June 30, 2018. The vulnerabilities identified across the national financial system when the SyRB was implemented are still considered relevant: (i) the possibility of a renewed increase in non-performing loan ratios, following the rise in interest rates and the slowdown in the balance sheet clean-up process; 2.2 Buffer rate (ii) the tensions -
Patria Bank Group Hold
Financials, Romania 20 May 2020 Patria Bank Group Hold Initiation of coverage Price: RON 0.082 Price target: RON 0.085 Financing Romanian SMEs We initiate coverage of Patria Bank Group with a price target (PT) of RON 0.085, offering upside of c.3.5%, and a HOLD rating. Patria Bank is Expected events micro-cap company, trading on the local Bucharest Stock Exchange, and a niche player, with expertise in issuing loans to SMEs and micro- WOOD’s virtual conference 28-29 May companies in the agricultural sector in Romania. We appreciate the Conference call 11 June bank’s specialised exposure and high margins but, on the negative side, 1H20 results 17 August 3Q20 results(stand-alone) 16 November we highlight its higher C/I ratio and NPLs, and weaker capital ratios vs. Conference call 23 November its peers. Despite this, we believe the bank should be able to weather the current COVID-19 crisis. We find the stock fairly valued at the current Key data share price levels, trading at 0.9x P/BV on our 2020E. Patria Bank – a niche player in the Romanian market. The bank issues Market Cap USD 59m loans to SMEs, as well as micro-companies and entrepreneurs in the Free float 17% agricultural industry. This allows it to charge higher rates, and we expect NIMs 3M ADTV USD 4,000 Shares outstanding 3,115m of 3.5%, 3.7% and 3.8% on total average assets in 2020E, 2021E and 2022E, Major Shareholder EEAF (83.2%) respectively, higher than the NIMs we expect for its larger peers. -
Private Banking
Annals of the University of Petroşani, Economics, 9(3), 2009, 239-248 239 ASPECTS REGARDING INTERNET BANKING SERVICES IN ROMANIA IMOLA DRIGĂ, DORINA NIŢĂ, CODRUŢA DURA * ABSTRACT: Banks have traditionally been interested in using technology to improve their products, services and efficiency. Over a long time they have been using electronic and telecommunication networks for delivering a wide range of value added products and services. With its increasing popularity, Internet is more and more used by banks as a channel for providing their products and services to their customers. This form of banking is generally referred to as Internet banking. The paper examines the features of Internet banking focusing on the substantial growth over the last years as banks use Internet services as an aggressive business strategy to gain market share rather than for making profits. KEY WORDS: financial institutions, E-banking, Internet banking 1. INTRODUCTION Apart from the traditional type of banking services, customers today require more personalised products and services and able to access such services at any time and at any place. Electronic banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. E-Banking is also called Internet banking, online banking. E-Banking may include ATMs, wire transfers, telephone banking, electronic funds transfers and debit cards. Nowadays, internet banking sites process customer service inquiries, allow transactions from one account to another, take loan applications, open new accounts. -
Notification by National Committee for Macroprudential Oversight Of
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 (NCMO) authority 2. Description of the measure The NCMO assessed the Romanian banking system from the perspective of the systemic entities based on data related to December 2018, according to the best practices recommended by EBA, i.e. the Final Peer Review Report on the peer review of the Guidelines on criteria to determine the conditions of application of Article 131(3) of Directive 2013/36/EU (CRD) in relation to the assessment of other systemically important institutions (O-SIIs) – November 2017 stating the following: “A best practice might be to use the year-end data of the year preceding the identification assessment of the systemic risk dimension, while allowing some flexibility for the use of other additional reference periods to account for structural changes to the composition of the banking system, to inform supervisory judgement or to account for year-end reference dates that may be of relevance to the jurisdiction”. No structural change of the Romanian banking system occurred since December 2018. -
SEPA Credit Transfer Register of Participants Version 9 September 2016
SEPA Credit Transfer Register of Participants Version 9 September 2016 Readiness Scheme Leaving Country Participant Name Address City BIC Date Date Wipplingerstrasse 34/4 AUSTRIA Addiko Bank AG ATU68091469 Wien HSEEAT2KXXX 05-01-15 Allgemeine Sparkasse Oberoesterreich Bankaktiengesellschaft Promenade 11-13 Linz ASPKAT2LXXX 28-01-08 ALLIANZ INVESTMENTBANK AG HIETZINGER KAI 101- 105 VIENNA AIAGATWWXXX 01-11-10 ALPENBANK A.G. KAISER JAEGERSTRASSE 9 INNSBRUCK ALPEAT22XXX 08-03-10 AUSTRIAN ANADI BANK AG Domgasse 5 KLAGENFURT HAABAT2KXXX 28-01-08 AUTOBANK AG UNGARGASSE 64/3/403 VIENNA AUTOATW1XXX 03-02-14 BANCO DO BRASIL AG FRANZ-JOSEFS-KAI 47/3.OG VIENNA BRASATWWXXX 28-01-08 BANK FUER AERZTE UND FREIE BERUFE A.G. 4, KOLINGASSE VIENNA BWFBATW1XXX 28-01-08 BANK FUER TIROL UND VORARLBERG A.G. STADTFORUM INNSBRUCK BTVAAT22XXX 28-01-08 Bank fur Arbeit und Wirtschaft und Osterreichische Postsparkasse AG Georg Coch Platz 2 VIENNA OPSKATWWXXX 28-01-08 BANK GUTMANN AG Schwarzenbergplatz 16 VIENNA GUTBATWWXXX 07-07-08 BANK WINTER UND CO. AKTIENGESELLSCHAFT 10, SINGERSTRASSE VIENNA WISMATWWXXX 28-01-08 Bankhaus Carl Spaengler & Co. AG Schwarzstrasse 1 Salzburg SPAEAT2SXXX 28-01-08 BANKHAUS DENZEL AKTIENGESELLSCHAFT ERDBERGSTRASSE 189-193 VIENNA DENEATW1XXX 05-07-10 Bankhaus Krentschker & Co Aktiengesellschaft Am Eisernen Tor 3 Graz KRECAT2GXXX 28-01-08 Bankhaus Schelhammer & Schattera AG Goldschmiedgasse 3 Vienna BSSWATWWXXX 28-01-08 Bausparkasse der oesterreichischen Sparkassen AG Beatrixgasse 27 Wien BAOSATWWXXX 07-04-08 Bausparkasse Wustenrot AG Alpenstrasse 70 SALZBURG WUBUAT21XXX 02-03-09 BAWAG P.S.K.(BANK FUR ARBEIT UND WIRTSCHAFT AG) Georg Coch Platz 2 VIENNA BAWAATWWXXX 28-01-08 BKS BANK AG 43, ST.