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14 companies have applied for the advertisement published by the state for the selection of a financial advisor for the sale of state stake in Komercijalna Banka, learns eKapija in the Ministry of Finance. The deadline for submitting letters of interest it expired on November 12, and as it has been said for our portal, in the following days, the companies that have entered the shortlist will be submitted a request for submission of offers, writes December 2018 calendar Template. – The selection of the advisor is expected to be completed and the contract on consulting services signed by the end of the year, the ministry said, adding that it is expected that the public call for privatization be announced by the end of June, and that the transaction should be completed by the end of next year.

 

 

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The Slovenian Supreme Court issued a verdict that virtually rejected credit agreements on loans in the Swiss francs are declared invalid. It is a matter of one of the numerous cases in the Slovenian courts, in which users of such loans claim that the bank did not inform them about the potential risks and possible growth of the Swiss currency exchange rate in which these loans were nominated, and what happened then.

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

 

December 2018 calendar Template Blank Images

This is the first concrete case that came to the Supreme Court. The Senate of the Supreme Court rejected the request of the two borrowers to review the decision of the lower court that gave it the right to the bank in which they took a loan.

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

 

December 2018 calendar Template Word

In a previous case, the lower court instance gave it to the credit beneficiaries and declared a concrete loan contract invalid in that case. the Supreme Court’s senator said that the bank had given its clients who took such a loan in an “appropriate and fair manner” that there was a risk that the loan would rise due to unplanned currency fluctuations.

December 2018 calendar Template Word
December 2018 calendar Template Word

 

December calendar 2018 Template with Holidays

The Court has also barred from assessing whether such loans were ” fair or unfair “, given that their beneficiaries in the court’s submission also called for unfair,” green “interest rates which, when approving the loan and the sudden increase in the Swiss franc exchange rate, were applied.

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

 

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It is one of the numerous cases in Slovenia beneficiaries of the so-called “Swiss” loans, who came to them, were brought before the courts the financial situation in early 2015 after the Swiss central bank abolished the upper exchange rate of the franc franc which at the beginning was 1.

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

 

December calendar Template Excel

. In Slovenia there is no systematic arrangement of this issue despite the requirements of the association of beneficiaries of such loans, Frank, so the cases have been resolved in court, although there have been attempts to resolve this by the law advocated by lawyers and lobby groups of beneficiaries of such loans.

December calendar Template Excel
December calendar Template Excel

 

In mid October, the Ministry of Finance called for a financial advisor to leading international companies, noted, have significant experience in privatizing banks and have a team of experienced experts. Country the Commercial Bank has a share of 41.74%, the European Bank for Reconstruction and Development (EBRD) 24.43%, the December 2018 calendar Template 10.15% shares, the German DEG fund 4.6% and the Swedish Svedfond 2.3% stake. for the sale of Komercijalna Banka became actual in 2006, after the first recapitalization of the bank by the EBRD, and three years ago, the investment company Nomura International was selected as the privatization advisor of Komercijalna banka.

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The CNB only said that this was not unusual, even The NN also writes that the number of connoisseurs of relations in the world of finance is not in line with that. The CNB has not yet clarified what is behind the answer that Vujčić Knighthead has linked with Martin Dalić because “the December 2018 calendar Printable does not deal with the financial restructuring of companies”. Namely, neither at that moment nor later, the government also did not deal with the restructuring of Agrokor. The Prime Minister and other officials often repeat that this is a matter for the creditors.

 

2018 December calendar Printable Blank

In the event of need, measures can be expected that will make it difficult for banks to approve the approval of cash loans, and as far as it can be learned, there are various options available, for example, the limitation of the period they are granted.

2018 December calendar Printable Blank
2018 December calendar Printable Blank

 

December 2018 calendar Printable Excel Template

The level of cash loans reached 11 percent at the annual level citizens today can receive up to 300,000 kuna for a period of ten years. Some banks also offer a repayment period of 12 years.

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

 

December 2018 calendar Printable with Holidays

In addition, no collateral is required, moreover, competition in the banking market in this segment the payment is intensified and is often advertised that cash loans can be obtained “in five minutes”, for “30 minutes” …

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

 

December calendar 2018 Printable Editable

In essence, after the loan no longer need to go to the bank, it is enough to fill out the form via the internet. The reason for the quick approval of cash loan Vujčić sees in the fact that banks began to use artificial intelligence algorithms to determine the credit value of a client, based on financial information about him.

December calendar 2018 Printable Editable
December calendar 2018 Printable Editable

 

December calendar Printable 2018 PDF File

But how well they perceive the risks, the CNB will evaluate, in order not to come “into a situation of impulsive borrowing.” In this, the CNB already has a solid tradition, so Vujčić reminded them that they were always prepared to react before things happen.

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

 

December calendar Printable Word Template

An example from 2008, when the CNB hamped credit growth and tried to reduce the exposure of banks well before the crisis began, so the banks overtook them without bankruptcy.

December calendar Printable Word Template
December calendar Printable Word Template

 

Accelerated growth in cash loans and the fact that they are getting easier in banks have attracted the attention of the central bank, so Governor Boris Vujčić announces that this trend will follow closely, which means that some measures can be expected from the December 2018 calendar Printable. Next year, the credit activity of banks is expected to increase, “more towards the population than to the sector of the company,” and what is worrying about Vujcic is the very high growth in cash loans of relatively long maturities that are unsecured. – This is something we will pay more attention and analysis to we see whether it needs to be reacted, “Vujcic told reporters during a research conference in central banks.

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In contrast, the total kuna loans’ loan continued with positive annual growth rates with a monthly increase of 0.5%. Total kuna loans reached 100.6 billion at the end of September. which is an increase of 5.8 billion on annual basis. HRK or 6.1%. The share of December 2018 Calendar Australia loans exceeded that level by 40%, which is an increase of more than three percentage points in just one year. The currency structure of credit commitments continued to change in favor of kuna loans, reflecting the tendency of borrowing in domestic currency, which was certainly contributed to and the decline in interest rates. The central government (-20.5%) continued with the continued leverage by double-digit rates.

 

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BELGRADE – The deputy chairman of the Chinese Development Bank, Dzhiang Shiugang, said in Belgrade today that the bank is interested in cooperation on infrastructure projects in Serbia, as well as that Serbia is their key partner in the region.

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

 

December 2018 Calendar Australia Free PDF Download

As Vice President of the Government of Serbia Zorana Mihajlovic spoke with Zhang Sjugang, besides her associates from the Ministry of Construction, Transport and Infrastructure, the Deputy Mayor of Belgrade Goran Vesic and the President of the Executive Board the banks of the Postal Savings Bank Bojan Kekic, the ministry said.

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

 

December 2018 Calendar Australia Printable Images

Mihajlovic said that the Chinese Development Bank could consider financing the construction of the highway from Novi Beograd to Surcin, which it was a connection with the Corridor 11, as well as the completion of the bypass around B “Today Serbia has consolidated finances and realizes infrStructural projects worth 16 billion euros.

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

 

December Calendar 2018 Australia Blank Template

The possibility of financing several infrastructure projects in Serbia and Belgrade was discussed. We are interested to sign a new Memorandum of Cooperation with the Chinese Development Bank on the implementation of major projects.

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

 

December Calendar Australia 2018 with Holidays

We are finalizing Corridor 10, we are launching a new investment cycle worth more than five billion euros. We are part of the Global China Initiative “One Belt, One Time” and one of the first countries in the region that signed the Memorandum of Cooperation with NR China, “Mihajlovic said.

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

 

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Jang Shuangang said that the Chinese Development Bank is interested in cooperation on infrastructure projects in Serbia , aware of their importance for the state and the city of Belgrade.

December Calendar Australia Pictures Download
December Calendar Australia Pictures Download

 

Negative annual growth rates also recorded loans to non-financial corporations (enterprises). Loans to enterprises in total loans accounted for almost 34%, and recorded a monthly growth of 0.2%, while they were down by 1.5% annually, falling to 84.3 billion. December 2018 Calendar Australia. With a slightly more significant share of 49% and a nominal amount of 122.6 billion. loans to households continued to record positive annual growth rates (3.9%) for the 13th month in a row. The annual growth of kuna loans (13.9%) was recorded, while the amount of foreign currency loans decreased by 4.8% .

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The number of depositors of individuals who have a deposit exceeding 50 thousand euros and entitled to payment of the guaranteed deposit amounts to 5,617, and in the event of bankruptcy, they would have paid 280,85 million euros or a quarter of the total guaranteed deposits of natural persons is written in a report that the Parliament recently adopted by. December 2018 Calendar Canada Pavlović International Bank ad Bijeljina will endeavor to increase capital by 7 million KM through a public offer of shares on the stock exchange. The Bank’s long-term strategy is to ensure that existing and new banking products and their distribution through a branch network and branch offices provide the necessary flexibility to build confidence in the long-term, the prospectus adds.

 

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In particular, the audit firm emphasized the problem of the bank’s exposure to credit risk by a group of related parties (Slobomir, Slobomir P University, RTV Slobomir, Žitopromet, etc.) and pointed to the approval of reprogramming and refinancing of loans to clients with the approval of the grace period although they were not correct during the settlement LJUBLJANA – Rating agency Fitch Ratuings has raised the long-term credit rating of Nova Ljubljanska banka (NLB) for one level – from BB to BB plus, with stable outlook.

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

 

December 2018 Calendar Canada Blank Template

The rating agency is based on the significantly improved NLB’s financial position in the back yard from 2017 to the mid-term 2018, as well as due to the low level of new bad loans, the greater profitability of the bank, and the retention of its strong capital and liquidity position.

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

 

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The increase in the credit was expected after the recent privatization because the ratings of the agency are reducing the prospects precisely because of the risks related to state ownership.

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

 

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Vienna – The Austrian daily Der Standard published an article discussing Ivica Todoric’s justice problems in Croatia, as well as the losses of Austrian banks in the Agrokor affair.

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

 

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At the beginning it is said that Todoric was released from the investigative prison after a million euros bail was paid, allegedly collected by his friends. After that, Todoric announced his entry into politics.

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

 

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But the more interesting part is the one that deals with Austrian banks in the context of Agrokor, as well as the government’s administration with this troubled group, which was enabled by Todoric himself with his signature and acceptance of the controversial Lex Agrokor.

December Calendar Canada Pictures Download
December Calendar Canada Pictures Download

 

As of June 30, 2018, the Bank’s share capital was KM 25.7 million, and on December 31, 2017, the Bank’s capital adequacy ratio was 16.7% according to regulatory requirements. This is significantly more than the minimum December 2018 Calendar Canada coefficient required by regulatory standards of 12%. However, in reviewing the financial statements of the Bank for 2017, the independent auditor recommended that the Bank improve the capital adequacy and make additional efforts in collecting placements in order not to jeopardize the principle of business continuity.

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The new players in this market are Andrej Jovanovic and Bojan Milovanovic, who first bought the Serbian branch of Nova kreditna banka Maribor, changed her name to the Direct Bank, and then “bought up” Pireus and Findomestik At the end of 2017, at the end of 2017, at the end of 2017, the Direct Bank acquired a profit of 16 million Euros, and at 19th place in the total assets of 0.8% (December 2018 Calendar UK Bank’s share was 1.5%), and the capital of 33 million euros, with the capital of Pireus Bank three times higher, 108 million euros. Everybody from the big six has a larger share of 14 small banks together.

 

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“I am not sure that it will be able to sustain ten long-term banks with a market share of less than 0.4 of which even six last year ended with net losses. The question is how much of their stockholders will have more patience to cover those minuses.

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

 

December 2018 Calendar UK Blank Template

Because of all this, I would not be surprised if, in due course, the balance of forces in the banking sector dramatically changed. The fact that something similar happens in other countries, “said Brkic.

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

 

December 2018 Calendar UK Free PDF Download

“This is a positive process as it will increase performance and strengthen competition between banks, and this will bring benefits to customers, because it will cheaper loans, “Nikolic said, who recently told the Beta agency that he does not see a problem in the fact that banks buy domestic investors.

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

 

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Previously, according to a member of the NBS Council, “experience has shown that foreign owners are not always successful.” In the group of six of the largest, there are currently only two banks with majority domestic capital, Komercijalna and AIK banka, with the sooner the “book” could only one letter, because the state is already looking for a buyer for Komercijalna Banka.

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

 

December Calendar UK 2018 Printable Images

If you look at the results of the business for 2017, the highest amount of money for the purchase of new banks has AIK Bank, which last year reported a net profit of 118 million euros. In addition, Miodrag Kostic has already shown clear intentions for further expansion in both Serbia and the region.

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

 

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He is practically the only businessman from Serbia who, in a way, has already entered the EU as co-owner of Gorenjska banka.

December Calendar UK Pictures Download
December Calendar UK Pictures Download

 

Therefore, the economic journalist Mišo Brkić, the strength of the forces in the Serbian banking market is reminiscent of six “Guliver” and “Liliputans”. He is convinced that in the near future, some of the existing banks will be the target of takeover. After all, Finance Minister Sinisa Mali has already announced that the state plans to sell its share in December 2018 Calendar UK Bank, next year and Komercijalna, by the end of this year, and the strategy for the Serbian Bank is being prepared. In addition, for months, the public is guessing who could buy the Societe Generale Bank, because this French group has already withdrawn from the Croatian market.

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Reuters notes that the loan information was received from nine sources, including a source close to the December 2018 Calendar USA administration, an unnamed Russian central bank official, and a source in the Russian government invested in foreign investment in Russia. The four sources of funding were directly involved in the preparation of the loan. All sources have insisted on anonymity because they are not authorized to talk about this business, Reuters said. The VTB yesterday denied Reuters’ report, saying they repeatedly said they had not approved a loan to the Katarine Fund for financing the purchase of Rosneft shares. the dispute resolved, we suggest that media houses that have published this information with VTB legally binding agreement: if their allegations are incorrect, each of them should issue a billion rubles (13.1 million euros) to VTB Bank account, it stands in a statement by the Russian bank.

“The VTB Group re-announces and stresses that no QIA has been approved by QIA since 2014.” The Catherine Fund did not immediately respond to Reuters’s request for comment on loan information. Reuters spokesman stressed if the agency persists in the credibility of its news.

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Analysis of UniCredit Bulbanka’s assets, DSK Bank controlled by Hungarian OTP , the United Bulgarian Bank and three Bulgarian-owned banks, the First Investment Bank, the Central Cooperative Bank and Investbank, will start in November and the results are expected in July 2019.

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

 

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The process will include property verification and resistance to possible unfavorable business conditions will be concluded on the last day of this year, announced by the ECB.

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

 

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They will also be analyzed the methodology that their supervisory department applies to regular bank balance analysis.

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

 

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The Bank wanted to enter the eurozone waiting room much earlier, but under the pressure of other candidate countries, it accepted a number of obligations, such as strengthening the banking sector and the money laundering system.

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

 

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Therefore, the waiting period could be extended, says Reuters.  Investment Bank Goldman Sachs “deceived” Malaysian business with its state fund 1MDB under investigation for corruption and money laundering, Malaysian Prime Minister Mahathir Mohamad said on Tuesday.

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

 

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Malaysia and at least four other states are investigating billions of dollars missing from 1MDB funded by former Malaysian Prime Minister Najib Razak.

December Calendar USA with Holidays
December Calendar USA with Holidays

 

The European Central Bank (December 2018 Calendar USA) will thoroughly analyze the situation in six Bulgarian banks following the Bulgaria’s bid for entry into the European banking union was announced by the Bulgarian central bank.Byprus submitted a request for access to the European Banking Union in July to enter the eurozone waiting room.ECB has so far deny Bulgaria the possibility of entering the eurozone in a speedy procedure with the argument that its Banks require more stringent supervision. “A thorough analysis is needed in the process of establishing close co-operation between the ECB and the competent authorities of Member States whose currency is not the euro,” said the ECB’s announcement.

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Last year NLB’s profit amounted to EUR 233 million, it is estimated that this year it will be around EUR 200 million and the dividend yield is “at least seven percent.” PBZ CO and Erste Plava are active investors on the Ljubljana Stock Exchange, and targets are perjanica: Petrol, Triglav osiguranje and Krka. According to Štimac, the share of December 2018 calendar With Holidays was 100 percent. He also praised the earnings on the share price and the dividend income of Triglav Insurance (16 million euros so far). Raiffeisen Bank International AG (RBI) in the first three quarters of 2018 achieved a consolidated profit of 1,173 million euros.

 

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The main driver of such a good result is the movement of risk costs. In still difficult interest conditions, we managed to increase net interest income by almost five percent compared to the previous year, said the CEO of RBI, Johann Strobl. Operating revenues for 5 percent or EUR 182 million are higher at the annual level and amount to 4,003 million euros.

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2018 December calendar With Holidays Free Download

 

December 2018 calendar With Holidays Free Images

The largest Slovenian banks – Nova Ljubljanska banka (NLB) – began trading on the Ljubljana and London Stock Exchange on Wednesday, as it was and envisaged after an initial public offering (IPO) was concluded last week, in which the Slovenian state sold 59 percent of NLB shares, given that for the so-called ” of the stabilization shares, 5.9 percent of the shares were sold, the state sold about 65 percent of NLB shares.

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December 2018 calendar With Holidays Free Images

 

December 2018 calendar With Holidays Template

NLB shares were sold at a price of 51.50 euros per share for public auction, and already in the first trading hour on the Ljubljana Stock Exchange she also reached 56.50 euros, which is about 10 percent more than the price in the IPO.

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

 

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The price came to EUR 56.65, with EUR 2.9 million in turnover. “We are happy to buy a long-term investor for the purchase of NLB shares, Slovenia has shown that it fulfills its obligations towards the European Commission and NLB’s trading has revived the Ljubljana Stock Exchange, “said State Secretary for Finance Metod Dragonja.

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

 

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The Slovenian State Holding (SDH) states that have successfully concluded the first step in the privatization of NLB, which has raised the state budget by more than EUR 600 million (excluding EUR 61 million stabilization shares).

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

 

December calendar With Holidays Editable Template

The Slovenian state is still the largest single NLB owner and is expected to sell another stake next year , after which the state would remain the owner of 25 percent plus one, “golden” shares.

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

 

Net interest income rose 5 percent to EUR 2,519 million thanks to a 3 percent increase in the Group’s interest-bearing assets. In general operating expenses, a decrease of EUR 16 million annually was recorded in the amount of EUR 2,228 million. The share of revenue costs was reduced by 2.2 percentage points to 55.7 percent. In the reporting period, there was a net loss on impairment losses of financial assets in the December 2018 calendar With Holidays amount of EUR 56 million, while in the same period last year the impairment loss was 191 million euros. Such a positive move was influenced by a good macroeconomic environment in terms of inflows and the possibility of successful collection in the total amount of EUR 416 million.

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In terms of loans, the annual decline in total loans contributed to lower working capital credits, while investment loans for the fifth consecutive month continued to record annual growth rates. In the structure of total loans, both types of loans constitute approximately equal shares. In addition to monthly and annual growth (1.4% and 1.6%), loans for investments amounted to 31.9 billion at the end of September. December 2018 Calendar Excel. Further, working capital credits continued with negative annual growth rates following a one-month slowdown in June (annual growth of 0.8%) (in September -6.1%, which is also the highest fall rate since July 2017).

 

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“Digitalization in our country is not just a phrase, but we are working on development for years, and we have always been among the first to apply new methods of digitization,” Chanji said.

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

 

December 2018 Calendar Excel Editable Template

Regulators suspect banks such as Credit Suisse and UBS, but also state Postfinance, and Swiss payment service companies. They state that the investigation includes Aduno Holding, PostFinance, Swisscard AECS GmbH and Swiss affiliates Credit Suisse and UBS.

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

 

December 2018 Calendar Excel Printable

The Bank’s capital adequacy indicator is 29.2 percent, significantly above the regulatory limit prescribed by the National Bank of Serbia.

December 2018 Calendar Excel Printable
December 2018 Calendar Excel Printable

 

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Total savings at Komercijalna Banka at the end of September amounted to 1.7 billion euros. LJUBLJANA – Austrian “bad bank” Heta started the process of selling its property in Slovenia estimated at EUR 661 million on Thursday, most of which are credit claims.

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

 

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The gross portfolio of Hetin’s Slovenian subsidiaries, consisting of operational and bad credit placements worth 551 million and the rest of the 110 million euros are real estate.

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

 

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In a public call for expressions of interest published on Thursday in the media and on the Heta website, interested potential buyers were invited to show interest by December 14 for the purchase of 100 percent of Heta’s shares and subsidiaries Slovenia is offering credit and leasing portfolios with a nominal value of EUR 551 million, of which EUR 386 million is bad and 166 million operational loans, and a portfolio of various real estate whose total value is estimated by the current owner to 110 million euros.

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

 

With a monthly decrease of 0.8%, loans for working capital amounted to 32.8 billion at the end of September. December 2018 Calendar Excel. BEOGRAD – Komercijalna banka Belgrade had a pre-tax profit of 6.5 billion dinars or 55 million euros at the end of September this year, the bank said. The bank assets amounted to 389.7 billion dinars, which the growth of 5.6%, and according to this criterion, the bank’s market share is 11%. The credit of this bank for the nine months of this year from he was 10.5 billion dinars or 6.8 percent. In terms of the share capital, Komercijalna Banka is still among the leaders in the banking market of Serbia, and it is superficially liquid and capitalized.

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They also recall that they had previously filed a complaint against Apple for violating an equal market game. “Before long, TWINT asked (from the Commission for the Protection of Competition) to investigate Apple’s discriminatory relationship with TWINT, as Apple disables the undisturbed use of TWINT- these applications on December 2018 Calendar Word devices, “the company said.” It is expected that WEKO will soon decide on the case, “they added. The spokesman for Apple in Switzerland was not immediately available to comment on TWINT’s claims. Apple Pay entered the Swiss market in 2016, the same year when TWINT was launched, which has not yet secured a higher share in the Swiss payment service market, Reuters notes. In April, TWINT reported that mobile payments in Switzerland have not yet been used as in other countries.

 

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In NBS, Tanjug says that the balance of capital of the banks that are in majority ownership of the state is 94.23 billion dinars, while the average indicator of capital adequacy is 29.48 percent.

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

 

December 2018 Calendar Word Free Images

Regarding the structure of ownership in banks in which the state has a stake, the data show that the state in Jubmes bank has a stake of 20.2%, in Srpska banka 76.69% (23.31% is the owner of Jugoimport SDPR which is a state-owned company ).

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

 

December 2018 Calendar Word Printable

In Komercijalna Banka, the state has a stake of 41.7 percent, state-owned MTS Bank and Postanska StedionicaBELOGRAD – OTP Bank wants to play an important role in Serbia, as it does in Hungary, and to contribute to the strengthening of the Serbian economy by crediting, the General Director of OTP Bank in Hungary, Sandor Csanyi.

December 2018 Calendar Word Printable
December 2018 Calendar Word Printable

 

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He told reporters in Serbia who visited the OTP Bank in Budapest that the bank was the fastest growing bank among the leading European banks in 2017 due to strong organic growth and acquisitions, and that in 2018, its growth was 13% other banking groups.

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

 

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“OTP came to the Serbian market with the acquisition of three banks in 2005 and 2006, but the acquisition of Vojvodjanska Banka in 2017 consolidated the way for profitable growth,” Csanyi said.

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

 

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He pointed out that in the last two years OTP Bank in Serbia grew rapidly on organic and inorganic levels. “The bank’s data show that with 20% of organic growth, OTP Bank in Serbia is one of the fastest growing banks of OTP Group this year,” Csanyi said.

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

 

 

They estimate that payments via mobile phones make up only 0.2 percent of total payment transactions. They had an estimated 750,000 users at the end of April, and they created one million for the end of 2017. ANALYSIS – According to the December 2018 Calendar Word data, total placements to non-financial companies based on transactions (which exclude exchange rate fluctuations, price adjustments of securities, reclassification and write-offs of placements), after recording a decline of 0.3% in August, compared to a month earlier they recorded a 0.4% increase.

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We are in a very sensitive phase of selecting relevant consultants that can help us in depth recording and final decision how much at this moment is the value of IN and its actual and market price. the Minister of Finance and the Minister of Environmental Protection and Energy, I think it is far more important that the process is made of quality than it will ultimately last, and I am confident that both ministers are under control and that we will have a final decision in the next few months ” , said Horvat.I Minister of Environmental Protection and Energy December 2018 Calendar PDF said on Thursday before the government session that in the coming months but expects to make a decision on the purchase of INA shares from Hungarian MOL and said that every business should be done properly.

 

 

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Half of the internet users in Croatia are buying in online stores. Those who buy say that the most important transaction security is, and that the goods they buy correspond to the description in the offer. It is mostly bought in large web shops due to the wider offer and benefits while only 14 percent of respondents opt for Croatian websites.

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

 

December 2018 Calendar PDF Editable

As for fraud on the Internet, most have not experienced them, and those who were not lucky (13 percent) as the most common types of fraud indicate that their paid goods have not been delivered, or the delivered goods were of poorer quality than advertised.

December 2018 Calendar PDF Editable
December 2018 Calendar PDF Editable

 

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A summary is the research by the Croatian Banking Association on aspects of online purchasing security presented on Thursday.

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

 

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The goals of the research were to determine how many people who buy online more often feel secure, what is most important to them, and whether they were victims of fraud during online shopping.

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

 

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Zdenko Adrović, director of the Croatian Banking Association, reminded that it is generally a priority for the banking sector to raise citizens’ awareness of potential threats in online purchases.

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

 

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This trending trend, he says, should be left to the market, and when it comes to “overcompensation” of banks in Serbia, he believes that “one can expect some of the existing banks to expand their participation in the market” cake because they have tied our market. ”

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

 

Andrej Plenković announced at the end of 2016 that the Government decided to return to INA by repurchasing MOL shares afterwards which Croatia lost in the proceedings initiated against December 2018 Calendar PDF before the UN tribunal’s arbitration tribunal for international commercial law in Geneva. In mid-January last year, the Government set up the Council for Negotiations with MOL to redeem the shares held by this company in Ina, and in April this year selected a consortium in which Morgan Stanley, Intesa Sanpaolo Group and PBZ, for the Investment Advisor to the Government, with them it has not been signed yet.