December 2018 calendar Template Blank Images

The Council of the Croatian National Bank agreed with the proposal of the Supervisory Board of Raiffeisenbank Austria dd (RBA) for the appointment of Višnja Božinović to the new member of the RBA Management Board. Visnja Božinović started building a banking career twenty years ago at Riadria banka dd, then at Privredna banka Zagreb dd, and Societe Generale – Splitska banka d.d. where she has performed a number of managerial functions in retail business, and has experience in the insurance industry that she acquired in Croatia osiguranje d.d., they reported from December 2018 calendar Template. In Raiffeisen Bank, she is appointed as a member of the Management Board from Addiko banka dd. from the position of executive director for sales management and distribution channels. She attended and completed numerous programs of training and education, and she emphasizes the rich business experience in the banking and financial industry.

 

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I am sure that with our help and expertise we will successfully improve the organizational parts of the Bank for which it is competent and will further strengthen the Bank’s Management, Management and Employees’, said Michael Georg Müller, President of the RBA Management Board, when appointing Visa to the new RBA Management Board member.

2018 December calendar Template PDF File
2018 December calendar Template PDF File

 

December 2018 calendar Template Blank Images

The decrease in the number of employees in the banking sector in Serbia started in 2009 when 30,876 people worked in them, and today this number is 22,467, which is for 8,409 people less in the Serbian banks.

December 2018 calendar Template Blank Images
December 2018 calendar Template Blank Images

 

December 2018 calendar Template Word

Of 34 banks (21 private) as many as 10 years ago, today this number is 28, of which 23 are private and in five b Anaka in Serbia is a majority state owner. For ten years, 13 banks were “Serbian”, nine of which were owned by the state as a majority shareholder, while four were owned by private persons.

December 2018 calendar Template Word
December 2018 calendar Template Word

 

December calendar 2018 Template with Holidays

The professor at the Belgrade Banking Academy, Zoran Grubisic, says that in the coming years this trend of consolidation will continue, that is, there will be fewer banks in our country.

December calendar 2018 Template with Holidays
December calendar 2018 Template with Holidays

 

December calendar Template 2018 Free Download

“It is necessary to further reduce the number of banks, as their profitability is no longer at the level that it used to be. The space in terms of revenue, growth, and in terms of cost reduction has narrowed down, “Grubisic told Tanjug.

December calendar Template 2018 Free Download
December calendar Template 2018 Free Download

 

December calendar Template Excel

Last night hundreds of people demonstrated in front of the Russian embassy in Kiev and the consulate in Lvov. Flares, paint cans and other objects were thrown at diplomatic legations.

December calendar Template Excel
December calendar Template Excel

 

With a new appointment within the Management Board of Raiffeisen Bank, Božinović assumes competence over retail business. “December 2018 calendar Template has many years of experience in the banking sector, especially in the area of ​​retail banking, and is well-known for the banking market and trends. Her previous years of experience in the financial sector, with the acquired knowledge, expertise and skills, will certainly contribute to achieving business goals and further strengthening the market position of Raiffeisen Bank.

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Also, five years before the crisis in Agrokor, it was reported that they began to reduce the exposure of banks to that group. However, today the total credit growth is still modest, so the central bank will also have to take a good surprise if its intervention would represent the quenching of the only loan for which there is a somewhat higher demand. With the aforementioned change in credit approval technology, cash loans are not as expensive as ever, so that citizens can not bother with other types of loans that may be cheaper but require more paperwork, December 2018 calendar Printable list writes.

2018 December calendar Printable Blank

According to Fitch, NLB’s credit portfolio has remained stable over the last six months. “The situation in which Agrokor was affecting the development of the banking sector”.

2018 December calendar Printable Blank
2018 December calendar Printable Blank

 

December 2018 calendar Printable Excel Template

What has also changed in relation to the pre-crisis period is the preference of kuna loans. While only eight years ago, only one-third of cash loans were in kuna, and two-thirds were approved with a currency clause, today it is vice versa: two thirds of these loans are in HRK.

December 2018 calendar Printable Excel Template
December 2018 calendar Printable Excel Template

 

December 2018 calendar Printable with Holidays

rapid wage growth, which is a consequence of labor shortages, and on the other hand there is growing employment. – If both salaries and employment grow, then the available income increases, so people have more credit capacity, he said.

December 2018 calendar Printable with Holidays
December 2018 calendar Printable with Holidays

 

December calendar 2018 Printable Editable

In addition, consumers’ optimism is growing as they see a better perspective on the labor market. As a rule, citizens are most responsible for returning the loan, banks have, again, understood them again. Companies interested in lending to the company seem to remain very weak.

December calendar 2018 Printable Editable
December calendar 2018 Printable Editable

 

December calendar Printable 2018 PDF File

Those with a fixed interest rate can be obtained from 6.64 percent (Splitska banka) to 8.76 percent (Primorska Bank), and the combined interest rate ranges from 7.02 percent (HPB) to 7.36 percent (Istrian credit banks ). For what all citizens today use cash loans, it seems, they do not know the bankers themselves.

December calendar Printable 2018 PDF File
December calendar Printable 2018 PDF File

 

December calendar Printable Word Template

The banks’ interim offer shows that the effective interest rates on cash loans, at a variable interest rate, range from 6.17 percent (Karlovac Bank, Bank Coin) to 8.92 percent (Partner Bank).

December calendar Printable Word Template
December calendar Printable Word Template

 

However, it can be informally heard that the purposes are different: from buying a car and equipping an apartment to buying real estate, for example, smaller apartments or cheap houses in December 2018 calendar Printable. Unlike the pre-crisis period, when they were popular autocredit, in the offer of banks today they are almost no. It is offered only by Splitska banka. At the end of 2010, autocredits still amounted to 6.2 billion kunas, and to date they have been reduced to 720 million kunas. In the same period, however, cash loans increased by HRK 13.2 billion, from 33.2 to 46.8 billion, with a significant acceleration in the past year, when they were increased by HRK 4.3 billion, and a year before they grew to 2 billion kuna.

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“Serbia is our key partner in this region and we want to cooperate on the large infrastructure projects that you are implementing. We appreciate that many Chinese companies are working in Serbia and we want to deepen this cooperation. We agree that the first step is signing a new memorandum of cooperation with the Government of Serbia, “said Dzung Sjugang. Belgrade Mayor’s Deputy Mayor December 2018 Calendar Australia pointed out that the current value of Chinese investments in the capital is 800 million Euros and he introduced Chinese bankers with the most important infrastructure projects the city plans The construction of two tunnels, the construction of a city tunnel that would go under the center of Beorad, as well as a tunnel that would connect the new bridge to Ada with a highway, is certainly the greatest thing.

 

 

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The Governor of the Croatian National Bank Boris Vujčić, whose previously unknown communication with the US Naval Fund Knighthead in her book uncovered Martina Dalić, recalled another meeting with the representatives of that fund, reports N1.

2018 December Calendar Australia Pictures Word template
2018 December Calendar Australia Pictures Word template

 

December 2018 Calendar Australia Free PDF Download

It follows from the CNB’s response to the request of the television: “By inspecting the governor’s business correspondence, we would like to further inform you that the governor met with representatives of the Knighthead Fund, once again, on April 11, 2017, outside the premises of the Croatian National banks.

December 2018 Calendar Australia Free PDF Download
December 2018 Calendar Australia Free PDF Download

 

December 2018 Calendar Australia Printable Images

This meeting is part of the regular governor’s practice to meet with representatives of the financial world from the country and abroad who ask for it, and whose business can have an impact on the financial system and the economy of the Republic of Croatia.

December 2018 Calendar Australia Printable Images
December 2018 Calendar Australia Printable Images

 

December Calendar 2018 Australia Blank Template

“Namely, N1 requested clarifications from the governor after Martina Dalić found that she was connected with the fund (which is supposed to have bought Agrokor bonds in cashlessness, and then fully charged them through a roll-up loan).

December Calendar 2018 Australia Blank Template
December Calendar 2018 Australia Blank Template

 

December Calendar Australia 2018 with Holidays

Boris Vujčić, in his replies, in the first place, answered only the meeting with a younger analyst the Fund by Adam Pieczonko before the vote of Lex Agrokor, and then another meeting with Thomas Wagner in May 2017, and finally this third, just one day after the bill was passed.

December Calendar Australia 2018 with Holidays
December Calendar Australia 2018 with Holidays

 

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The CNB’s response to a number of questions is still pending, such as why the National Bank Governor would meet with young risk analysts.

December Calendar Australia Pictures Download
December Calendar Australia Pictures Download

 

Vesic added the construction of two bridges, one via Sava and the other through the Danube. “The total investment Belgrade plans to implement in the next 10 years amounts to 13 billion euros and we are interested in cooperating with the Chinese Development Bank on these projects,” Vesic pointed out.Mihajlovic gave December 2018 Calendar Australia a hand embroidered alphabet in the goldsmith, were made by our rural women, as part of the initiative “Employing 1,000 women in rural areas”, which is common o Coordination Body for Gender Equality, Ethno-Network and NALED.

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Der Standard recalls that Agrokor’s biggest creditor was Russian bank Sberbank, and after that the Russian bank VTB. It is also noted that Austrian banks in the amount of about EUR 500 million participated in the refinancing of Agrokor when he was threatened with bankruptcy because they estimated that in the event of bankruptcy they would lose all the money they invested. The losses that they made with December 2018 Calendar Canada from Austrian banks do not even want to comment , was found in an article published by Der Standard. At the request of this newspaper, Raiffeisen Bank said that nothing could comment, while Erste Bank offered this pitt answer: “We can tell you that the situation in which Agrokor was located and the restructuring process were big challenges in 2017. “However, Erste Bank believes that the process of extraordinary administration has ended in a positive way.

 

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At the end, the Standard emphasizes that the long-term future of Agrokor will be determined by the new owners and that it remains to be seen whether the concern will be fragmented and sold out. ANALYSIS – According to the latest CNB data, the balance of placements representing receivables from credit institutions from other domestic sectors, other financial intermediaries, subsidiary financial institutions and insurance companies and pension funds at the end of September amounted to 222.8 billion.

2018 December Calendar Canada Pictures Word template
2018 December Calendar Canada Pictures Word template

 

December 2018 Calendar Canada Blank Template

At the same time, placements to households slowed to 5.9%, while growth in placements to companies accelerated to 3.3%. Substantial lower growth of the nominal balance of total placements in relation to annual growth on the basis of transactions is mainly due to the sale of non-performing loans.

December 2018 Calendar Canada Blank Template
December 2018 Calendar Canada Blank Template

 

December 2018 Calendar Canada with Holidays

Total loans (including loans to the central government, local government, enterprises, households, other financial intermediaries, auxiliary financial institutions, insurance companies and pension funds and investment funds other than monetary funds) amounted to 249.7 billion at the end of September. kuna.

December 2018 Calendar Canada with Holidays
December 2018 Calendar Canada with Holidays

 

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Thus, with monthly growth (by 0.2%), total loans continued to record negative annual growth rates, which, with occasional exceptions, lasted from November 2012.

December Calendar 2018 Canada Free PDF Download
December Calendar 2018 Canada Free PDF Download

 

December Calendar Canada 2018 Printable Images

In relation to September 2017, the amount of the loan amount was lower by 5.9 mlrd. HRK or 2.3%. The annual decrease is a consequence of the decrease in the amount of foreign currency loans whose share in total loans in the last six months has fallen below 60% and recorded a decline of 7.3% annually.

December Calendar Canada 2018 Printable Images
December Calendar Canada 2018 Printable Images

 

December Calendar Canada Pictures Download

Thus, total foreign currency loans with an annual decrease of 11.8 billion. HRK at the end of September amounted to 149.1 billion. kuna.

December Calendar Canada Pictures Download
December Calendar Canada Pictures Download

 

kuna. Monthly and annual nominal growth of placements was recorded (0.3% and 1.2% respectively). On the other hand, if we look at the December 2018 Calendar Canada amounts of placements based on transactions (which exclude the effect of exchange rates, price adjustments of securities, reclassification and write-off of placements), total placements recorded growth of 0.4% compared to August while they accelerated on an annual level with the growth rate to 4.6%.

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In the endorsement of this thesis, there is also a low degree of concentration on the Serbian market. In Croatia, the four largest banks have almost 70 percent of the total assets, and in Serbia the four largest banks approved about 47 percent of all loans, said Ivan Nikolic, a member of the Council of Governors of the National Bank of Serbia, believes that the consolidation is not only expected, but also desirable. Therefore, December 2018 Calendar UK Bank customers can now offer additional benefits and facilitate their business with EU partners and through a bank in Slovenia. The European and Slovenian Central Bank’s approval for the purchase of the majority stake in Gorenjska banka for Kostic is confirmed by the highest place that its AIK Bank is capital strong, stable and liquid, and these are the features that the savers are paying more and more, especially since the interest rates are on the historically lowest level.

 

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According to the FZD report, headed by Predrag Mrkovic, 35.54% of total guaranteed deposits is present in two banks, which represents a slight decrease compared to the end of 2016, when the two banks accounted for 36.5% of total guaranteed deposits.

2018 December Calendar UK Pictures Word template
2018 December Calendar UK Pictures Word template

 

December 2018 Calendar UK Blank Template

The number of depositors who have a guaranteed deposit exceeding 50 thousand euros is 7.662, out of which 5.617 natural persons, which is 0.77 percent of the number of depositors of natural persons who are entitled to payment, and 2.045 legal entities, which makes 0.97 percent of the total number of depositors . This group of depositors accounts for 28.5% of guaranteed deposits.

December 2018 Calendar UK Blank Template
December 2018 Calendar UK Blank Template

 

December 2018 Calendar UK Free PDF Download

The Fund’s data show that over 100 thousand euros of deposits have 1,947 natural persons and 1,328 legal entities. Between 50 and 100 thousand deposits there are 3,730 physical and 810 legal entities.

December 2018 Calendar UK Free PDF Download
December 2018 Calendar UK Free PDF Download

 

December Calendar 2018 UK with Holidays

The number of depositors of individuals who have a deposit of less than 50 thousand euros is 723.650 and their deposits amount to EUR 848.6 million or 75.13% of total guaranteed deposits of natural persons.

December Calendar 2018 UK with Holidays
December Calendar 2018 UK with Holidays

 

December Calendar UK 2018 Printable Images

In the public offer of shares, the existing shareholders will have the right of pre-acquisition, and purchase orders for 7.000.000 shares at the initial price of BAM 1,00 will be entered in the period from 26.11.2018. to 3.12.2018. years.

December Calendar UK 2018 Printable Images
December Calendar UK 2018 Printable Images

 

December Calendar UK Pictures Download

The capital plan for 2018 anticipates the recapitalization of the Bank in the amount of KM 7 million, which, as stated in the prospectus, should ensure the fulfillment of regulatory requirements, further growth and development, thus providing the Bank with a significant position in the banking market.

December Calendar UK Pictures Download
December Calendar UK Pictures Download

 

PODGORICA – The total amount of deposits at the end of last year amounted to 2.99 billion euros and increased compared to the end of the previous year by 393 million euros, according to December 2018 Calendar UK data from the Deposit Protection Fund (FZD). Of this, 1.69 billion is spent on physical persons, and 1.29 billion is legal. The number of depositors entitled to the payment of the guaranteed deposit in 2017 increased by 17.5 thousand, or 2.07%, to 858.820, with the number of depositors of natural persons increasing by 2.92%, and depositors of legal entities decreased by 7% , 68 percent.

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Americ plaintiffs have raised criminal charges against two former Goldman Sacher bankers at the beginning of the month and one of them, Tim Leissner, pleaded is guilty of money laundering and violation of the law on corruption abroad.Goldman Sachs earned about $ 600 million in fees for his work with the 1MDB fund, which included three bond offers in 2012 and 2013, with a total of 6 , $ 5 billion. “There is evidence that Goldman Sachs has done things that are not right. Obviously, people from Goldman December 2018 Calendar USA were cheated, “Mahathir said, adding that bank control procedures” are not doing well.

 

 

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Talas of overtakings that plagued the Serbian banking market on the one hand are quite expected and on the other are completely unexpected.It is expected because which experts say 29 banks are too much for a country whose gross domestic product last year was less than 37 billion euros.

2018 December Calendar USA Pictures Word template
2018 December Calendar USA Pictures Word template

 

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And it is unexpected because most of the existing domestic banks have bought foreigners, and lately the bank with foreign capital is buying domestic businessmen.

December 2018 Calendar USA Blank Template
December 2018 Calendar USA Blank Template

 

December 2018 Calendar USA Free PDF Download

First the move was withdrawn by Miodrag Kostic, who in the meantime became the 100-year-old owner of AIK Bank, in order to take over the Alpha Bank. The last year, AIK Bank was the first in Serbia for a net profit of 118 million euros, the fourth with a capital of half a billion euros and the sixth according to the total approved loans of almost 1.8 billion euros.

December 2018 Calendar USA Free PDF Download
December 2018 Calendar USA Free PDF Download

 

December Calendar 2018 USA Pictures Download

. Many probably do not remember that more than 80 banks operated in Serbia two decades ago, almost all of them with domestic kap Already in 2004 their number dropped to 47, and this trend continued, although in the meantime new “players”, such as Bank of China or Mira Bank from the United Arab Emirates, arrived in the Serbian market.

December Calendar 2018 USA Pictures Download
December Calendar 2018 USA Pictures Download

 

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. In the professional circles almost there is a consensus that there is still a consolidation in the banking market of Serbia, because banks with a market share of less than one-two percent can hardly survive in all the tougher game.

December Calendar USA 2018 Printable Images
December Calendar USA 2018 Printable Images

 

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At present, there are 14 banks with a market share of less than 1.5 percent. All of them approved only 7.5% of total loans, while the share of the six largest banks, Intesa, Komercijalna, UniCredit, Societe Generale, Raiffeisen and AIK banka were eight times higher – 62.2%.

December Calendar USA with Holidays
December Calendar USA with Holidays

 

“Hong Kong Goldman Sachs spokesman refused to comment on these charges, and the US bank issued any offense on Monday. Goldman Sachsa’s price dropped to more than 7 percent on Wall Street on Monday, diving to the lowest level in almost two years, after Malaysia Finance Minister Lim Guan Eng said Malaysia would ask the bank to “refund all” fund-raising fees 1MDB.American ministry of justice announced that senior fund officials and their associates misappropriated 4.5 billion dollars from December 2018 Calendar USA between 2009 and 2014. Former Prime Minister Najib was indicted for corruption in Malaysia as part of an investigation into the 1MDB fund. Claims that he is not guilty and has denied any misdemeanor.Malaysia financier Low Taek Jho is also charged with US prosecutors.

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“We remain the Slovenian banking group,” said the Chairman of the Board of Directors of NLB, and Blaž Brodnjak, who estimates that new horizons are now being opened for NLB. Namely, the sale of majority stake in Slovenia’s largest bank is Brussels promised in 2013 that the funds for recapitalizing the bank in the remediation procedure due to poor credit placements would not make the computer as an unauthorized state subsidy. The last week’s NLB share offer also included December 2018 calendar With Holidays Investment Partners, which acquired 7.6 percent of NLB shares and the European Bank for Reconstruction and Development (EBRD) with 6.3% share. Some Croatian investors have participated in public offering of NLB shares, such as PBZ CO obligatory pension fund which, according to available data, bought HRK 102m 1.4% shares in NLB.

 

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The BZCO pension fund is otherwise significant an investor in the Slovenian market. In the takeover of Gorenje by Hisense, Croatian pensioners have left double share profits.

2018 December calendar With Holidays Free Download
2018 December calendar With Holidays Free Download

 

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Of the dividends received by the Triglav insurance company, up to now, they have raised 16 million euros and very good returns on shares in Krka.

December 2018 calendar With Holidays Free Images
December 2018 calendar With Holidays Free Images

 

December 2018 calendar With Holidays Template

The European Bank for Reconstruction and Development ( EBRD) confirmed that it will return to the ownership structure of the New Ljubljana Bank (NLB). In the privatization of NLB in 2002, EBRD bought a five percent stake, and this time they bought a 6.25 percent stake.

December 2018 calendar With Holidays Template
December 2018 calendar With Holidays Template

 

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This is why EBRD has become the second largest institutional investor in NLB. “This is a great and welcome moment for NLB and the Slovenian banking sector,” said Lucyna Stanczak-Wuczynska, EBRD director in charge of financial institutions and banks in the EU.

December calendar 2018 With Holidays Word
December calendar 2018 With Holidays Word

 

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he realized his first project in Slovenia in 1991 and so far has invested one billion euros in Slovenia through 82 projects. MOSCOW – The Russian state bank VTB denied media reports that it allowed credit to sell shares in the Russian oil company Rosneft Qatar’s Qatar Stabilization Fund.

December calendar With Holidays 2018 PDF
December calendar With Holidays 2018 PDF

 

December calendar With Holidays Editable Template

By relying on multiple sources, Reuters last week reported exclusively to the VTB Catican fund about $ 6 billion in loans in order to mmade it possible to purchase a 19.5 percent stake in Rosneft as part of a transaction involving a Glencore retailer.

December calendar With Holidays Editable Template
December calendar With Holidays Editable Template

 

The first trading day of the shares of Nova Ljubljanska banka on the Stock Exchange has made the Croatian PBZCO mandatory pension fund more than 10 million kuna.In the public offering of shares of Slovenian Of the Ljubljana Bank’s new one week ago, the December 2018 calendar With Holidays CO obligatory pension fund bought for HRK 102 million a 1.4% stake in the bank. On the first day of trading on the stock exchange, the value of NLB shares jumped from last week’s EUR 51.50 per share to EUR 56.50 today, which made the pension fund management company and future Croatian retirees more than HRK 10 million.

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The “bad bank” The Hypo Alpe Adria group that Austria has nationalized and which now k and the owner through Hete disposes of its assets. According to the Heta Group’s liquidation plan, the December 2018 Calendar Excel of assets should be completed by the end of 2020.ZAGREB – The two Croatian mandatory pension funds bite into one of the largest privatizations in Slovenia, Ljubljanska banka (NLB), and fund managers were satisfied yesterday yesterday after the first day of trading with the stock on the stock exchange. In fact, NLB’s shares were mostly at the level of 10 percent above the one outlined in the initial public offer.

 

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In 2018, the decline in the share of non-performing loans continues, which fell by an additional 1.2 percentage points from the beginning of the year at the end of September it was 4.4 percent.

2018 December Calendar Excel Free Download
2018 December Calendar Excel Free Download

 

December 2018 Calendar Excel Editable Template

Nevertheless, the coverage ratio of non-performing loans increased by another 7.9 percentage points to 75.0 percent, primarily due to the sale of highly-leveraged loans and the beginning of the application of IFRSs. 9% 2BImports RBI will encourage credit growth with an average annual percentage increase at medium single-digit rates .

December 2018 Calendar Excel Editable Template
December 2018 Calendar Excel Editable Template

 

December 2018 Calendar Excel Printable

It is expected that the loss of the mind financial assets (risk costs) in 2018 will be below the level recorded in 2017. The RBI forecasts that the share of non-performing loans in the medium term will further decrease.

December 2018 Calendar Excel Printable
December 2018 Calendar Excel Printable

 

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The Bank has as its target set the share of revenue costs below 55 percent in the medium term. In the following years, RBI’s goal is to achieve a consolidated return on equity of approximately 11 percent.

December Calendar Excel 2018 Free Images
December Calendar Excel 2018 Free Images

 

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On the Ljubljana Stock Exchange, as the Slovenian media are transferring, they are satisfied with the turnover of NLB shares and the resurgence of trading on that otherwise weakly liquid securities market.

December Calendar Excel 2018 Template with Holidays
December Calendar Excel 2018 Template with Holidays

 

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In the medium term, try to achieve the capital adequacy ratio at about 13 percent after the dividend. Based on this, RBI intends to distribute between 20 and 50 percent (dividend ratio) of its consolidated profits.

December Calendar Excel Blank Template Download
December Calendar Excel Blank Template Download

 

The mandatory pension funds PBZ CO and Erste Plavi, whose managers hope for good, through the price of the stock on the Ljubljana Stock Exchange and the dividend. In the IPO last week the share price was 51.5 euros, and the market capitalization at that price is about 1 billion euros, writes  December 2018 Calendar Excel list.PBZ CO in the public offering for 102 million kunas bought 1.4 percent of the stake in the bank, and whether the price is above 56 euros on the first day of trading, they earned about ten million kunas on that transaction. “The shares look good, and a dividend of 70 percent is foreseen,” says Dubravko Štimac, President of the Managing Board of the PBZ CO Fund Management Company .Erste Plavi was even more decisive, said Petar Vlaic, CEO of the company, “entered the NLB with a 2.76 percent share” because the price and the IPO were low, and they believe that the bank has potential for growth.

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At the same time, at the annual level growth accelerated to 3.3%. On the other hand, the amount of placements to companies based on the situation in the observed month recorded growth on a monthly basis, while the negative annual growth rates (0.2% and -2.0%) were December 2018 Calendar Word continued at the annual level, which is mainly the result of the sale of non-performing loans. loans to enterprises for working capital and investment in September, with a slight monthly growth of 0.3%, continued to record negative annual growth rates for the third consecutive month in a row.

 

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He added that OTP is a medium-sized bank in Serbia but that “the bank wants to grow because Serbia is on a good political and economic path, as shown by data on unemployment reduction”.

2018 December Calendar Word Free Download
2018 December Calendar Word Free Download

 

December 2018 Calendar Word Free Images

Csanyi estimated that “Serbia is a promised land”, in which it is good to invest in agriculture. “It would be good for the economic space of Serbia, Croatia and the whole environment, to develop together, such opportunities that we can form a common agrarian space,” he explained.

December 2018 Calendar Word Free Images
December 2018 Calendar Word Free Images

 

December 2018 Calendar Word Printable

Csanyi, who is the president of the OTP Group, stressed that OTP Bank was among the top ten banks in Europe on the stress-test of financial systems and institutions.

December 2018 Calendar Word Printable
December 2018 Calendar Word Printable

 

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“The European Central Bank has performed a stress test and we have finished in ninth place and this is usually the market rewarding, because we are among the first or maybe the only ones whose actions have reached a value like that before the crisis,” Csanyi said.

December Calendar Word 2018 Blank Template Download
December Calendar Word 2018 Blank Template Download

 

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He added that investors are investing in OTP Bank because they see the growth potential. Csanyi said that it is important for OTP to be one of the first banks to apply modern models of banking business.

December Calendar Word 2018 Editable Template
December Calendar Word 2018 Editable Template

 

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He said that in the future, the simplest banking transactions will be done digitally, while the branches will serve for other, more complicated jobs. GENEVA – The Swiss Competition Authority has searched the offices of financial companies as part of an investigation into a possible agreed boycott of mobile payment systems for large technology companies Apple and Samsung.

December Calendar Word Template with Holidays
December Calendar Word Template with Holidays

 

Thus, with a decrease of 1.6 bln. HRK at the end of September at the end of September amounted to 64.8 billion. kuna. Although foreign currency loans in total corporate loans accounted for a significant share (almost 68%), their increase of 1.9% per annum failed to neutralize the negative contribution of the decline in the amount of December 2018 Calendar Word loans whose annual fall rate (9.8%) is highest since data are available (2011). In addition, kuna credits recorded a continuous negative annual growth rate from April 2017. At the end of September, kuna loans to enterprises amounted to almost 21 billion. kuna while they were foreign currency and with a currency clause amounted to 43.8 billion.

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“There is a suspicion that the companies agreed not to will approve the use of its credit cards in Apple Pay and Samsung Pay in favor of the Swiss TWINT solution, “the  December 2018 Calendar PDF said in a statement issued Thursday. Some companies involved in the investigation said that the charges of the regulator were unfounded.” We are surprised by the investigation and are convinced that the claims will prove unfounded, “Credit Suisse said. The bank claims to allow Swiss clients access to Apple Pay and Samsung Pay through the Swisscard subsidiary. They also add to negotiating with Apple, Samsung and Google about the possibilities of using They said they tried to reach an agreement with Apple Pay to use credit cards at the beginning of 2016, but without success.

 

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When asked which new “brands” they could come to us, it is difficult to assume. “It is very difficult to assume that some of the banks that are not present in the region or in the Serbian market, and speculated earlier from the Siti Bank in America, are interested in entering the EU market right through Serbia or the region.”

2018 December Calendar PDF Free Download
2018 December Calendar PDF Free Download

 

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He says that both scenarios are possible, but it is more realistic that some of the existing banks in Serbia will expand their business.

December 2018 Calendar PDF Editable
December 2018 Calendar PDF Editable

 

December 2018 Calendar PDF Printable Template Free

In Serbia, it should be half of the banks, Grubisic believes, but, it should not be expected that this will happen quickly. It also says that small banks will gradually make exit strategies from the market of our country.

December 2018 Calendar PDF Printable Template Free
December 2018 Calendar PDF Printable Template Free

 

December Calendar PDF 2018 Blank Template

“It’s not so easy to leave a market because it is necessary to prepare an appropriate exit strategy and find potential customers. But this will definitely happen in future years, “Grubisic estimates.

December Calendar PDF 2018 Blank Template
December Calendar PDF 2018 Blank Template

 

December Calendar PDF 2018 File Download

For many years now economists have estimated that there are too many banks in Serbia compared to the number of beneficiaries and that the comment that “banks have on every corner” in the coming years will no longer be actual, among other things, because more and more banks move a part of their business on the Internet.

December Calendar PDF 2018 File Download
December Calendar PDF 2018 File Download

 

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According to the National Bank of Serbia, the balance sheet capital of banks in the majority ownership of private persons amounts to 587.38 billion dinars, while the average capital adequacy ratio is 21.95 percent.

December Calendar PDF Template with Holidays
December Calendar PDF Template with Holidays

 

“Although we offered a range of alternative solutions, unfortunately, we were not able to to reach an agreement with Apple Pay for co-operation, “a Swiss bank spokeswoman said. In December 2018 Calendar PDF, which operates as a Swiss postal service provider and is among the largest banks in Switzerland, also emphasize that they did not violate Swiss laws on the protection of equal market competition. They order to cooperate with investigators. TWINT AG is a joint project of the leading Swiss banks, established for the purpose of digital payments. These companies said they were “amazed” by the approach of the regulator. It should be noted that the investigators searched their offices, although they were not under investigation.