Basware Open Network

Basware Open Network Interoperability connections Sweden Finland Norway Denmark Addett Apix Messaging Addett Comwall BGC Danske Bank (Sampo) AtWork CSC Compello (Client Enfo Bygg -E D.U.C Computing) Handelsbanken Cap Gemini DAAB Crediflow Itella Compello (Client Evenex Danske Bank Itella Pankki Computing) Handelsbanken Data Interchange Liaison Tech. EDB HubBroker Datametrix Logica Edigard JWN E-Size Maventa Emetro KMD Ebuilder Nordea Encode Networks Logica Encode Networks OKO Ergo MySupply Svenska Pagero Ergo Group NemEdi Endorsia Samlink Integrasjonssystemer Nets (BBS) ExpertSystems Strålfors Itella NXM Solutions Global EDI Tapiola Bank Logica Officient Handelsbanken TeliaSonera Loqig SEB banken Hogia Tieto Millum Sproom Implema Ålandsbanken Nets (BBS) Strålfors InExchange Optimera Truelink Itella Pagero Visma Services Liason Tech. Ricoh Locus Selby Logica Strålfors Nets (BBS) Tieto Nordea Visma Unique Pagero Palette Pipechain PRI Handel Strålfors Swedbank Interoperability connections Netherland USA UK Germany Accounting Plaza Cortex Asite B4Value Anachron Elemica Atlas solutions Bills&more Centric GXS B2BE Comarch Colinx Hubspan Inc Burns Crossgate Crossgate Inovis (Dell) Causeway Crossinx Digipoort Liaison US Crossgate DIG - Digitalinformation gate Endorsia OFS - Oil industry GHX D-Trust – Bundesdruckerei E-novation portal Elemica Elemica E-size Oildex -Tranzap IATA – Network Itella IPS Softshare Network Inovis (Dell) LogAgency Recall (GXS) Itella Mercoline Simac IDS Invoice Delivery Liaison Tech. Neopost Softshare Network System Softshare Network SGH Service SRC System Integration Tieto Softshare Network SupplierDNA Tradex Softzoll Tieto StratEDI TNT Ximantix ZET solutions Other Interoperability connections Other 3E consultancy solutions (Belgium) Flexdoc (Austria) South Signature Consulting (Brazil) 4 Solutions – Health Supply Network Generic Group (France) Span (Iceland) (Australia) GoSocket (Brazil) Telema (Estonia) Arved (Estonia) GoSocket (Mexico) Unified Post (Belgium) B2Boost (Belgium) Influe (Generix) (Portugal) YETspace (Portugal) Babelway (Belgium) Influence Portugal (Portugal) Zerocoma (Spain) Bavel Voxel Group (Spain) IO -Market (Liechtenstein) Bizztainer (Switzerland) Leadtec (Australia) CCV (Czech) Microfile (Uruguay) CCV (Slovakia) OpenText (Canada) Deskom/Cegedim (France) Pentag (Switzerland) Edisoft (Estonia) Postfinance/Swisspost (Switzerland) Edisoft (Latvia) Saphety (Portugal) Edisoft (Lithuania) Seres (France) EDT SAS (France) Seres (Spain) ExxTainer (Switzerland) SataNet (Italy) First Businessport CEE (Hungary) SIX Paynet (Switzerland) .

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Finnish Banking in 2010
5 April 2011 Finnish banking in 2010 Federation of Finnish Financial Services Finnish banking in 2010 Federation of Finnish Financial Services 5 April 2011 Finnish banking in 2010 Tarja Kallonen CONTENTS Banks operating on solid foundation........................................................... 1 Bank structures and distribution networks ................................................ 2 Banks operating in Finland ......................................................................2 Personnel numbers unchanged ............................................................... 5 Banking operations ....................................................................................... 6 Demand for loans recovered ....................................................................6 Households confi dent in housing loan market .........................................7 Car trade vitalised fi nance houses ........................................................... 8 Growth in fi xed-term deposit accounts ....................................................9 Equity funds more attractive ..................................................................10 Long-term saving faltering .................................................................... 11 Single European Payments Area comes true ......................................... 11 Performance of banks ................................................................................. 12 Low interest rate levels hampered net interest income ..........................12 Credit losses halved
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12Thjune 2014 Helsinki Eba Clearing Shareholders
REPORT OF THE BOARD EBA CLEARING SHAREHOLDERS MEETING 12TH JUNE 2014 HELSINKI Contents 1. Introduction 3 2. The Company’s activities in 2013 5 2.1 EURO1/STEP1 Services 5 2.2 STEP2 Services 8 2.3 Operations 15 2.4 Legal, Regulatory & Compliance 18 2.5 Risk Management 20 2.6 Other corporate developments 21 2.7 The MyBank initiative 23 2.8 Activities of Board Committees 23 2.9 Corporate matters 26 2.10. Financial situation 29 3. The Company’s activities in 2014 32 3.1 EURO1/STEP1 Services 32 3.2 STEP2 Services 33 3.3 PRETA S.A.S. 35 3.4 Other relevant matters of interest 36 Appendix 1: Changes in EURO1/STEP1 participation 37 Appendix 2: List of participants in EURO1/STEP1 40 Appendix 3: List of direct participants in STEP2 45 Appendix 4: Annual accounts for 2013 53 2 EBA CLEARING SHAREHOLDERS MEETING // 12th June 2014 // Report of the Board 1. Introduction 2013 was marked by the major changeover that the SEPA migration end-date for euro retail payments of 1st February 2014 represented for payment service providers in the Eurozone and their customers. SEPA migration-related activities were also the top priority for EBA CLEARING throughout 2013. The Company continued to strengthen and enhance the STEP2 platform and intensified its customer support activities to assist its users across Europe in ensuring a disruption-free changeover to the SEPA instruments for their customers. SEPA migration affirmed the position of the STEP2 platform among the leading retail payment systems in Europe. The timely delivery of its SEPA Services as well as the processing capacity, operational robustness and rich functionality of the system made STEP2 the platform of first choice of many European communities in preparation of and during this migration.
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Treasury and Risk Management Applications Market 2010-2015
APPS RUN THE WORLD Treasury & Risk Management Enterprise Applications Market Report 2010-2015, Profiles Of Top 10 Vendors 5/30/2011 Copyright © 2011, APPS RUN THE WORLD Table of Contents Summary........................................................................................................................................... 4 Top Line and Bottom Line ......................................................................................................... 4 Market Overview ........................................................................................................................... 5 Customers ........................................................................................................................................ 5 Top 10 Apps Vendors In Vertical ........................................................................................... 6 Vendors To Watch ........................................................................................................................ 7 Outlook .............................................................................................................................................. 7 SCORES Box Illustration ............................................................................................................. 7 2 Profiles of Top 10 Apps Vendors ........................................................................................................ 10 SunGard ........................................................................................................................................................
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Finnish Banking in 2006
15 May 2007 Finnish banking in 2006 Finnish banking in 2006 Contents Key developments on the banking scene in 2006 1 Changes in bank structures 2 Number of banks little changed 3 Employee numbers up 4 Payments go European 5 Banking groups perform well 7 Deposit banks work efficiently and profitably 8 Loan portfolio in healthy shape 9 Housing loans in demand 10 How interest rates impact home loans 12 Finance houses boosted by companies’ investments 13 Absence of wealth tax felt on deposit accounts 14 Fund investment posts strong growth 15 Unit-linked insurance attracts interest 16 Outlook for 2007 17 Annex: Summary of financial statements for 2005 and 2006 This survey was written by Tarja Kallonen, Head of Financial Research, with the graphs designed by Ritva Myllylä, Research Assistant, of the Federation of Finnish Financial Services. The information is based on banks’ annual reports and statistics compiled by the Bank of Finland, Financial Supervision Authority and Statistics Finland. A summary of the survey is available on the Federation website at www.fkl.fi. 2 Finnish banking in 2006 Federation of Finnish Financial Services 15 May 2007 Finnish banking in 2006 Key developments on the banking scene in 2006 In line with the preceding year’s performance, Finnish banks reported healthy results for 2006. Demand for financial, investment and insurance services remained strong, supported by the favourable financial position of both households and businesses. The Finnish economy continued to expand at an unexpectedly vigorous pace in 2006. This expansion boosted companies’ profits and improved employment figures. Finnish households had financial assets enough to invest in deposits, funds and pension and life insurance policies.
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EBA CLEARING Shareholders Meeting Report of the Board 30 Th June 2009 Contents
EBA CLEARING Shareholders Meeting Report of the Board 30 th June 2009 Contents 1. The Company’s activities in 2008 3 1.1 Introduction 3 1.2 EURO1 / STEP1 Services 4 1.3 STEP2 Services 8 1.4 Operations of the Clearing Systems 12 1.5 Other relevant matters of interest 14 1.6 Activities of Board Committees 14 1.7 Corporate matters 16 1.8 Financial situation 18 2. The Company’s activities in 2009 21 2.1 EURO1 / STEP1 Services 21 2.2 STEP2 Services 23 2.3 Operations of the Clearing Systems 25 2.4 Other relevant matters of interest 26 Table of Appendices Appendix 1: Changes in EURO1/STEP1 participation 27 Appendix 2: List of direct participants in EURO1/STEP1 33 Appendix 3: List of STEP2 direct participants 41 Appendix 4: Annual accounts for 2008 47 layout: www. quadratpunkt.de photo credit: © Mihai Simonia - Fotolia.com 2 EBA CLEARING Shareholders Meeting 30 th June 2009 // Report of the Board 1. The Company’s activities in 2008 The period under report is 1 st January 2008 to 31 st December 2008. 1.1 Introduction 2008 was a year of unprecedented turmoil in the financial markets. The payments business has proved resilient during the crisis – providing stable and recurring revenue for banks – but it has not remained unaffected by the major changes marking the financial industry as a whole. The high profile of SEPA, the impact of regulation and the amount spent on bank-internal implementation and compliance pushes banks to realise savings based on the new payments infrastructure they have built.
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Year-End Report for the Period January – December 2011 • February 16, 2012
Year-end report For the period January – December 2011 • February 16, 2012 January−December 2011 Net operating profit Compared to January−December 2010 EUR M 4 • Net operating profit, excluding restructuring expenses of 5.7 million euros and an impair- ment loss of EUR 1.1 M for the Group’s shareholding in Burgundy, was EUR 1.1 M (January- 1 December 2010: EUR 1.0 M). -2 • Profit for the period attributable to shareholders amounted to EUR -6.5 M (-2.9). • Net interest income increased by 17 per cent to EUR 43.1 M (36.8). -5 • Net commission income increased by 5 per cent to EUR 38.7 M (36.8). -8 • Net loan losses were EUR 1.8 M (5.9), equivalent to a loan loss level of 0.07 (0.23) per cent. Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 • The Tier 1 capital ratio amounted to 8.4 (7.3) per cent at year-end 2011. Pro forma, taking into account the Finnish Financial Supervisory Authority’s grant of permission on February Deposits and lending 13, 2012 to calculate capital requirements for credit risks according to the Internal Ratings EUR M Based (IRB) approach for the Finnish household portfolio, the Tier 1 capital ratio was 10.0 3000 per cent. 2 737 2 567 2 547 2 600 2 550 • The Board of Directors proposes that no dividend be paid for 2011 (0). 2500 2 459 2 573 2 521 2 492 2 546 • The efficiency-raising measures that have been implemented and initiated during 2011 will lower the Group’s expense level by an estimated annual rate of EUR 8 M when they 2000 achieve their full effect.
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Essays on Credit Contagion and Shocks in Banking
MERVI TOIVANEN Essays on Credit Contagion and Shocks in Banking ACTA WASAENSIA 332 ECONOMICS 9 Reviewers Professor Koen Schoors Ghent University Reep 1 BE-9000 Gent Belgium Professor Ari Hyytinen University of Jyväskylä, School of Business and Economics PL 35 FI-40014 Jyväskylän yliopisto III Julkaisija Julkaisupäivämäärä Vaasan yliopisto Elokuu 2015 Tekijä(t) Julkaisun tyyppi Mervi Toivanen Artikkeliväitöskirja Julkaisusarjan nimi, osan numero Acta Wasaensia, 332 Yhteystiedot ISBN Vaasan yliopisto 978-952-476-630-2 (painettu) PL 700 978-952-476-631-9 (verkkojulkaisu) 65101 VAASA ISSN 0355-2667 (Acta Wasaensia 332, painettu) 2323-9123 (Acta Wasaensia 332, verkkojulkaisu) 1235-788X (Acta Wasaensia. Kansantaloustiede 9, pai- nettu) 2342-2238 (Acta Wasaensia. Kansantaloustiede 9, verkkojulkaisu) Sivumäärä Kieli 168 Englanti Julkaisun nimike Essays on Credit Contagion and Shocks in Banking Tiivistelmä Tässä väitöskirjassa käsitellään sokkien vaikutusta pankkeihin finanssikriisien aikana. Tarkemmin ottaen tarkastelun kohteena ovat tartuntariskit pankkien välisillä rahamarkki- noilla Suomessa ja Euroopassa. Lisäksi tarkastellaan pankkien pääomaan ja likviditeettiin kohdistuvien paineiden vaikutusta euroalueen pankkien lainanantoon ja makrotalouteen. Ensimmäisessä esseessä tutkitaan kotimaisten ja ulkomaisten tartuntariskien välittymistä Suomen rahamarkkinoilla. Tulokset osoittavat, että kotimaisen tartuntariskin takia kes- kimäärin noin puolet Suomen pankkisektorista joutuu vaikeuksiin 1990-luvulla ja 66 % vuosina 2005–2011. 2000-luvulla ulkomaisen
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Service Description IBAN Calculation for Account Numbers and Checking the Validity of Accounts
Service description IBAN Calculation for Account Numbers and Checking the Validity of Accounts 31.12.2017 The service is intended for calculating the IBAN number for accounts and checking the validity of account numbers. With the service, customers can convert domestic account numbers in their systems into the IBAN format and check the validity of their account numbers. 2 Table of Contents 1 How the service works ............................................................................................................................................. 3 2 Record descriptions ................................................................................................................................................... 5 Batch record ........................................................................................................................................................................... 5 Transaction record ............................................................................................................................................................ 6 Amount record ...................................................................................................................................................................... 7 Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, FI-00075 DANSKE BANK Business ID 1078693-2 3 1 How the service works Service identifiers = IBAL (sending), IBAN (retrieval) Danske Bank offers services for calculating the IBAN identifier
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Strategies, Opportunities and Lessons
Creating Female-Friendly Financial Services: Strategies, Opportunities and Lessons Product Code: VR0837MR Published Date: August, 2012 TABLE OF CONTENTS 1 Executive Summary .............................................................................................................................. 7 2 Introduction ............................................................................................................................................ 9 2.1 The Global Market ................................................................................................................................... 9 2.2 Local Market Snapshots ........................................................................................................................ 10 2.3 Financial Advisers and Women ............................................................................................................. 11 2.4 Female Entrepreneurs ........................................................................................................................... 11 2.5 The Business Case for Targeting Financial Services at Women .......................................................... 11 2.6 Female Business Case Snapshot ......................................................................................................... 13 3 Financial Education for Women ......................................................................................................... 15 3.1 The US ..................................................................................................................................................
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Financial Market Report 2004
SUOMEN PANKKI y BANK OF FINLAND Financial Markets Department Financial Markets Report 2004 - No. 1 • Sound results from Finnish banks last year • Housing loan growth continues to rise briskly • Record dividends from listed Finnish companies • Risk premiums at exceptionally low levels on non-financial corporation loans • Banks seek significant savings through more efficient processing on payments 24 Mar 2004 Contents Project team 1 Financial intermediation 3 Pertti Pylkkönen, chairman 1.1 Housing loans growing fast in some euro area countries 3 Timo Iivarinen 1.2 Record dividends from listed Finnish companies 4 Karlo Kauko 2 Banks and insurance companies 6 Heli Paunonen 2.1 Banks did well in 2003 6 Hanna Putkuri 2.2 Performance of major European and American banks improved Katja Taipalus in 2003 7 Mervi Toivanen 2.3 Broad restructuring in insurance sector 9 Jukka Vauhkonen 3 Securities markets 11 3.1 Continued growth on the share markets 11 Nina Björklund 3.2 Risk premiums at exceptionally low levels on non-financial Kati Salminen corporation loans 12 Petri Uusitalo 3.3 Mutual fund markets showing strong growth 13 Janne Villanen 4 Infrastructure 15 Taina Seitovirta 4.1 EU: Swift introduction of comprehensive legislative framework Korhonen Ilkka for retail payments 15 Lehto Ulla 4.2 Banks seek significant savings through more efficient processing Park-Ahonen Louise of payments 16 Puttonen Eija 5 Major development projects in regulation and supervision 18 Tervonen Eija 5.1 The Committee of European Banking Supervisors commenced operations 18 Coordination 5.2 Regulatory initiatives for securitisation in Europe 19 Financial Markets Management Group 6 Key corporate arrangements and events in the financial sector 21 POSTIOSOITE PL 160, 00101 HELSINKI POSTADRESS PB 160, 00101 HELSINGFORS POSTAL ADDRESS P.O.
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Finnish Banking in 2009
20 April 2010 Finnish banking in 2009 Federation of Finnish Financial Services Finnish banking in 2009 Federation of Finnish Financial Services 20 April 2010 Finnish banking in 2009 Contents 1. INTERESTING YEAR FOR THE BANKING SCENE 2 2. BANK STRUCTURES AND DISTRIBUTION NETWORKS 3 2.1 Market shares 3 2.2 Personnel numbers decreased slightly 7 3. SERVICES OF BANKS 8 3.1 Demand for loans reduced 8 3.2 Households still in housing loan market 9 3.3 Demand for fi nance house products unchanged 10 3.4 Funds withdrawn from fi xed-term deposit accounts 11 3.5 Record-breaking profi ts from funds 12 3.6 New options in long-term saving 13 3.7 Electronic services make payments more effi cient 13 4. PERFORMANCE OF BANKS 14 4.1 Banks’ results dropped only slightly 14 4.2 Growth in credit losses slowed down 16 4.3 Capital adequacy and effi ciency of the banking sector improved 17 ANNEX Financial statements for 2009 and 2008 This survey was written by Tarja Kallonen, Head of Financial Research, with the graphs and layout designed by Johanna Mäkinen, Information Specialist, of the Federation of Finnish Financial Services. 1 Finnish banking in 2009 Federation of Finnish Financial Services 20 April 2010 1. Interesting year for the banking scene The economy showed fi rst signs of recovery already during 2009, despite the fact that Finland’s GDP fell by nearly 8%. Interest rates stayed at record-breaking low levels during the entire year, and all players in the fi nancial sector faced unusually challenging markets.
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EBA CLEARING Shareholders Meeting Report of the Board 14 Th June 2011 Contents
EBA CLEARING Shareholders Meeting Report of the Board 14 th June 2011 Contents 1. The Company’s activities in 2010 3 1.1 Introduction 3 1.2 EURO1/STEP1 Services 3 1.3 STEP2 Services 6 1.4 Operations of the Clearing Systems 10 1.5 Activities of Board Committees 12 1.6 Corporate matters 16 1.7 Financial situation 18 2. The Company’s activities in 2011 22 2.1 EURO1/STEP1 Services 22 2.2 STEP2 Services 25 2.3 Operations of the Clearing Systems 27 2.4 E-services 28 2.5 Other relevant matters of interest 29 Table of Appendices 30 Appendix 1: Changes in EURO1/STEP1 participation 30 Appendix 2: List of direct participants in EURO1/STEP1 33 Appendix 3: List of direct STEP2 participants 42 Appendix 4: Annual accounts for 20 10 54 layout: www. quadratpunkt.de photo credit: © Jean Schweitzer/Shutterstock.com 2 EBA CLEARING Shareholders Meeting 14 th June 2011 // Report of the Board 1. The Company’s activities in 2010 The period under report is 1 st January 2010 to 31 st December 2010. 1.1 Introduction Over the past year, EBA CLEARING continued to maintain and evolve its pan-European payment infrastructure in line with the needs and expectations of its shareholders and users. The Company closely coordinated all develop - ment and implementation activities with its users to ensure that the pace of change suited all parties involved. At the same time, EBA CLEARING continued to leverage its core competencies of operational robustness and strong cost management. The Company also strove to maintain the dynamism to underpin its core ongoing activities.
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