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UniCredit strategic plan 2018
Strategic Plan (UniCredit press release):
2018 STRATEGIC PLAN FINANCIAL TARGETS
CET1 ratio at 12.6% Thanks to Organic Capital Generation Allowing for Substantial Dividend Pool
Higher Sustainable Return to Shareholders with RoTE at 11%
Net Profit of detalii
Banca Transilvania financial results in Q3 2015: gross profit of RON 373 million
Banca Transilvania recorded positive results in the first nine months of 2015. The bank’s assets were 10.6% higher compared to the end of 2014, reaching RON 39,397 million, while the operational income reached RON 1,453.6 million, being 1.6% above the level of the same period in 2014, when detalii
BCR financial results for the first nine months 2015: RON 904.3 million net profit; NPL portfolio continues to decrease
BCR financial results for the first nine months 2015: RON 904.3 million net profit; NPL portfolio continues to decrease (press release): Highlights (1): - On the back of a RON 1,201.2 million (EUR 270.5 million) operating result, 9M 2015 net profit stood at RON 904.3 million (EUR detalii
Why Bulgaria should join a regional Central Counterparty
Well developed local equity markets can offer a number of benefits to investors, businesses and the wider national economy. The development of equity markets can provide access to long-term local currency financing to small and medium enterprises potentially at a much lower cost than detalii
- EBA announces details of 2016 EU-wide stress test
- EBA consults on stress tests for deposit guarantee schemes
- Press Release of the Board of the National Bank of Romania
- Payment Services Directive: frequently asked questions
- Romanian foreign exchange reserves increased at EUR 31,649 million
- Federal Reserve issues FOMC statement
- Deposits in Romanian banks went up 0.6 percent, to RON 232,580.9 million in September 2015
- Romanian banking sector loans edged up 0.2 percent in September
- EBRD welcomes election of new supervisory board at Moldova Victoriabank
- EBRD acquires a stake in Turkey’s Fibabanka
- European Commission to refer the Czech Republic, Luxembourg, the Netherlands, Poland, Romania and Sweden to the Court of Justice of the EU over failure to transpose legislation on Bank Recovery and Resolution (BRRD)
- Statement at the Conclusion of an IMF Staff Visit to Romania
- Federal Reserve Board announces civil money penalty and issues cease and desist order against Credit Agricole
- Last trading day for Rasdaq and Unlisted markets on BVB
- Raiffeisen Russian subsidiary sells its pension fund business
- International Investment Bank bonds issue debuted on the Bucharest Stock Exchange
- Romanian balance of payments and external debt - August 2015
- Financial Stability Report 2015
- EximBank agency in Timisoara has in a new location
- Romanian international reserves - September 2015
- Community Banking in the 21st Century (Janet L. Yellen speech)
- National Bank of Romania keeps the monetary policy rate at 1.75 percent
- UniCredit announces to have reached an agreement with AnaCap on the transfer of a €1.2bn non performing credit portfolio (NPLs)
- EximBank is financing Italsofa Romania with 10 Million Euro
- EBRD is considering providing a EUR 250 million long-term loan to the Bulgarian Deposit Insurance Fund
- Emerging Markets have become the weak link in the global economy
- Speech by Janet Yellen on inflation dynamics and monetary policy
- World Bank helps Romanian city Alba Iulia to boost potential to access EU funds
- Romania’s PM Victor Ponta in working visit to EBRD
- Bucharest Stock Exchange steps up corporate governance in listed companies
- Deposits of Romanian banks customers increased by 0.9 percent in August
- Loans granted by Romanian credit institutions increased by 0.7 percent in August
- Intesa Sanpaolo and Marketwall to create a trading and financial information platform
- EBA publishes results of the Basel III monitoring exercise as of of 31 December 2014
- Federal Reserve issues FOMC statement
- Erste Group extends Andreas Treichl’s CEO mandate to 2020
- The Bucharest Stock Exchange (BVB) will implement a new trading program
- Time to review sovereign investment funds, say PwC economists
- Romanian balance of payments and external debt - July 2015 (central bank statement)
- Raifffeisen Czech subsidiary to acquire Citibank’s Czech retail business
- Joint Committee Report on Risks and Vulnerabilities in the EU financial system
- Nordea selects partners for new Core Banking Platform
- EBA updates on remuneration practices and high earners data for 2013 across the EU
- Gothaer Asigurari Reasigurari Romania insurance portofolio, in a decreasing trend
- JC Flowers concluded an agreement for the acquisition of Banca Carpatica shares
- National Bank of Romania foreign exchange reserves at EUR 29,341 million in July 2015
- Romanian non-banking consumer loans up 10% in first half of 2015
- Sergiu Manea to become CEO of BCR
- National Bank of Romania (NBR) issues a silver coin dedicated to the anniversary of 100 years since the establishment of the Romanian Aviation Corps
- National Bank of Romania - Monetary indicators - July 2015
- SEC Charges Former Investment Bank Analyst and Two Others With Insider Trading in Advance of Client Deals
- New companies on the AeRO market of Bucharest Stock Exchange (BVB)
- Garanti Bank revised upwards Romanian GDP growth to 3% in 2015 and 3.5% in 2016
- Raiffeisen Bank International (RBI) generates consolidated profit of € 288 million in the first half of 2015
- Bank deleveraging slowed down in Eastern Europe while capital outflows moderated
- Statement by IMF Managing Director Christine Lagarde on Greece
- Romanian financial leasing market increased by 16%, to Euro 769 million
- EBRD calls for extraordinary general meeting of Victoriabank shareholders
- BET, Bucharest Stock Exchange (BVB) main index, rose to a 7 years top level
- BCR financial results for H1 2015: RON 603.4 million net profit; NPL portfolio continues to decrease
- EFSM revised to shield non-euro area countries from risk
- Garanti Group Romania registered RON 75 million net profit in the first semester of 2015
- Garanti Bank appoints Bogdan Neacsu as Chief Risk Officer
- A Critical Decision (by Andrea Schaechter and Guillermo Tolosa, IMF representatives)
- National Bank of Romania keeps unchanged policy rate
- EBA publishes key information on the systemic importance of the 37 largest banks in the EU
- EximBank Romania - a business model for export agencies in Central and Eastern Europe
- PwC report asserts global capital markets will change for good in just five years
- Garanti Bank Romania ratings upgraded
- EBA calls for evidence on SME lending and the SME supporting factor
- SEC charged a Canadian citizen with conducting a scheme to conceal his control of a microcap company whose price quickly spiked last year
- Federal Reserve issues FOMC statement
- Raiffeisen Bank International (RBI) securitizes € 705 million loan portfolio
- Erste Group and Global Payments together with CaixaBank form joint venture in CEE to provide merchant payments services
- Romanian National Bank (BNR): Monetary indicators - June 2015
- Joint Announcement of Eurobank and Alpha Bank
- The Balance Sheet Review and Stress Test results of Romanian insurance companies
- National Bank of Romania will put into circulation, for numismatic purposes, a set of three coins dedicated to King Ferdinand
- Romanian Association of Exporters (AREX) is looking for close cooperation with the external network of counsellors from the Ministry of Economy
- Revised principles on corporate governance for banks issued by the Basel Committee
- Statement by IMF Managing Director Christine Lagarde on Greece
- BVB introduces a new program for Market Makers
- Deposit Guarantee Schemes – Frequently Asked Questions
- EBA Chairman dismisses rumours over haircuts to Greek deposits
- Eurogroup statement on Greece
- The Bank of Greece Report on Monetary Policy 2014-2015
- Matteo Patrone appointed new EBRD Director for Romania
- Bucharest Stock Exchange (BVB) main index, BET, increased by almost 6%; Investors can see live at BVB the prices at which shares might open the day
- Imocredit IFN lists RON 15 mn corporate bonds at BVB
- Bucharest Stock Exchange (BVB) keeps the composition for BET, BET-TR, BET-NG, BET-FI, BET-BK, BET-XT, BET-XT-TR and BET Plus indices
- European Commission requests Romania and other 10 Member States to apply EU rules on Bank Recovery and Resolution
- World Bank: economic outlook for Romania is positive, but risks remain
- EBRD President Sir Suma Chakrabarti unveiled plans to step up the Bank’s support for the countries where it invests
- Alum Tulcea and IAMU Blaj debut on the AeRO Market of Bucharest Stock Exchange
- Garanti Bank finances Sunflower Grand Apartments with EUR 6 million
- EBRD invested RON 333 million in the City of Bucharest’s (“City”) recent RON 2.2 billion Bond Programme
Criza COVID-19
- In majoritatea unitatilor BRD se poate intra fara certificat verde
- La BCR se poate intra fara certificat verde
- Firmele, obligate sa dea zile libere parintilor care stau cu copiii in timpul pandemiei de coronavirus
- CEC Bank: accesul in banca se face fara certificat verde
- Cum se amana ratele la creditele Garanti BBVA
Topuri Banci
- Topul bancilor cu cele mai mici dobanzi la creditele de nevoi personale
- Topul bancilor la active in 2019
- Topul celor mai mari banci din Romania dupa valoarea activelor in 2018
- Topul bancilor dupa active in 2017
- Topul bancilor cu cele mai mici comisioane la contul curent cu card si online banking
Asociatia Romana a Bancilor (ARB)
- Concursul de educatie financiara European Money Quiz si-a stabilit castigatorii
- Club online de educatie financiara pentru liceeni
- Creditele acordate de banci, record al ultimilor 12 ani
- Stiai ca daca transferi bani pentru altii, chiar fara sa vrei (involuntar), risti sa faci inchisoare?
- Bancile saluta adoptarea legislatiei privind identificarea persoanelor prin mijloace video
ROBOR
- ROBOR a scazut la 1,59%, dupa ce BNR a redus dobanda la 1,25%
- Dobanzile variabile la creditele noi in lei nu scad, pentru ca IRCC ramane aproape neschimbat, la 2,4%, desi ROBOR s-a micsorat cu un punct, la 2,2%
- IRCC, indicele de dobanda pentru creditele in lei ale persoanelor fizice, a scazut la 1,75%, dar nu va avea efecte imediate pe piata creditarii
- Istoricul ROBOR la 3 luni, in perioada 01.08.1995 - 31.12.2019
- ROBOR 3 luni (date statistice pe perioada 1995-2019, conform BNR)
Taxa bancara
- Normele metodologice pentru aplicarea taxei bancare, publicate de Ministerul Finantelor
- Noul ROBOR se va aplica automat la creditele noi si prin refinantare la cele in derulare
- Taxa bancara ar putea fi redusa de la 1,2% la 0,4% la bancile mari si 0,2% la cele mici, insa bancherii avertizeaza ca indiferent de nivelul acesteia, intermedierea financiara va scadea iar dobanzile vor creste
- Raiffeisen anunta ca activitatea bancii a incetinit substantial din cauza taxei bancare; strategia va fi reevaluata, nu vor mai fi acordate credite cu dobanzi mici
- Tariceanu anunta un acord de principiu privind taxa bancara: ROBOR-ul ar putea fi inlocuit cu marja de dobanda a bancilor
Statistici BNR
- Deficitul contului curent, in crestere cu peste 70% dupa primele trei luni ale anului
- Deficitul contului curent a crescut cu 56% in primele doua luni ale anului
- Deficitul contului curent - 815 milioane euro, dupa prima luna a anului
- Deficitul contului curent la 11 luni a depasit nivelul prognozat pentru intregul an
- Finantarea verde in Romania reprezinta doar 4% din totalul creditarii, arata o analiza a BNR
Legislatie
- Codul de procedura civila republicat, actualizat
- Protectia datelor personale: intrebari si raspunsuri frecvente publicate de ANSPDCP
- Cat este salariul minim net in 2022: 1.524 de lei
- OUG 50/2010 actualizata privind contractele de credit pentru consumatori
- OUG 52 din 2016 actualizata privind contractele de credit imobiliare si modificarea OUG 50/2010
Lege plafonare dobanzi credite
- BNR propune Parlamentului plafonarea dobanzilor la creditele bancilor intre 1,5 si 4 ori peste DAE medie, in functie de tipul creditului; in cazul IFN-urilor, plafonarea dobanzilor nu se justifica
- Legile privind plafonarea dobanzilor la credite si a datoriilor preluate de firmele de recuperare se discuta in Parlament (actualizat)
- Legea privind plafonarea dobanzilor la credite nu a fost inclusa pe ordinea de zi a comisiilor din Camera Deputatilor
- Senatorul Zamfir, despre plafonarea dobanzilor la credite: numai bou-i consecvent!
- Parlamentul dezbate marti legile de plafonare a dobanzilor la credite si a datoriilor cesionate de banci firmelor de recuperare (actualizat)
Anunturi banci
- Reclamatii Credit Europe Bank - solutionarea alternativa a litigiilor
- Cei care amana ratele la credite vor plati ulterior dobanda la dobanda, adica mai mult
- Cardurile BCR sunt din material reciclat
- Unicredit: schimburile valutare la bancomate nu pot fi procesate
- Cum fac o reclamatie la BCR?
Analize economice
- -1,57% din PIB deficit public dupa primele 5 luni din 2022
- Deficitul contului curent in crestere cu 84%. Datoria externa, redusa fata de finalul anului trecut
- Deficit comercial record in aprilie 2022, in crestere anuala cu 63%
- Vanzarile cu amanuntul, +5% in prima treime a anului, dar se profileaza un trend descendent
- Romania, cea mai slaba performanta la nivel regional in comert exterior pe T1 2022
Ministerul Finantelor
- Cum gasesc contul IBAN al ANAF in care platesc Declaratia Unica?
- Declaratia unica se depune pana la 25 mai, inclusiv
- Datoria publica, trecuta de 50% din PIB pe date operative: care sunt consecintele
- Noi programe de finantare: IMM Prod, Rural Invest, Garant Construct, Innovation
- Programul Noua casa 2022: care sunt conditiile de creditare
Biroul de Credit
- Care banci si IFN-uri raporteaza clientii la Biroul de Credit
- Ce trebuie sa stim despre Biroul de Credit
- Care este procedura BCR de raportare a clientilor la Biroul de Credit
- Legalitatea prelucrarii datelor personale de catre Biroul de Credit
- Care sunt bancile si IFN-urile care-si raporteaza clientii la Biroul de Credit?
Procese
- Decizia Curtii de Apel Bucuresti in procesul dintre Raiffeisen Banca pentru Locuinte si Curtea de Conturi
- Vodafone, obligata de judecatori sa despagubeasca un abonat caruia a refuzat sa-i repare un telefon stricat sau sa-i dea banii inapoi (decizia instantei)
- Taxa de reziliere a abonamentului Vodafone inainte de termen este ilegala (decizia definitiva a judecatorilor)
- ANAF trebuie sa plateasca BCR Leasing dobanzi fiscale de 6,7 milioane lei, pentru obligatii suplimentare de plata a TVA anulate de justitie
- Clauzele abuzive din contractele de credit nu au termen de prescriptie, deci pot fi constatate oricand, chiar si dupa plata creditelor, a decis CJUE
Stiri economice
- Construcțiile, avans minim și trend descrescător după prima treime a anului
- Eurostat: Romania, țara din UE cu cele mai mici prețuri la consumator în 2021
- Inflatia a urcat la 14,5% in mai 2022, in pofida celui mai mic avans al preturilor din ultimele trei luni
- Care este valoarea CASS (Contributia la Asigurari Sociale de Sanatate) pentru Declaratia Unica 2022?
- PIB-ul din T1 2022, estimat in crestere cu 6,5%, o surpriza majora!
Statistici
- INS: Veniturile romanilor au crescut anul trecut cu 10%. Banii de mancare, redistribuiti cu precadere spre locuinta, transport si haine
- Inflatia anuala - 13,76% in aprilie 2022 si va ramane cu doua cifre pana la mijlocul anului viitor
- Deficitul bugetar, deja 0,72% din PIB in februarie 2022
- Datoria publica, majorata la 48,9% din PIB in 2021
- Dobanda pe termen lung a obligatiunilor romanesti a crescut la 5,60% in februarie 2022
FNGCIMM
- Programul IMM Invest continua si in 2021
- Garantiile de stat pentru credite acordate de FNGCIMM au crescut cu 185% in 2020
- Programul IMM invest se prelungeste pana in 30 iunie 2021
- Firmele pot obtine credite bancare garantate si subventionate de stat, pe baza facturilor (factoring), prin programul IMM Factor
- Programul IMM Leasing va fi operational in perioada urmatoare, anunta FNGCIMM
Calculator de credite
- ROBOR la 3 luni a scazut cu aproape un punct, dupa masurile luate de BNR; cu cat se reduce rata la credite?
- In ce mall din sectorul 4 pot face o simulare pentru o refinantare?
Noutati BCE
- Rata dobanzii pe termen lung pentru Romania, in crestere la 2,96%
- BCE recomanda bancilor sa nu plateasca dividende
- Modul de functionare a relaxarii cantitative (quantitative easing – QE)
- Dobanda la euro nu va creste pana in iunie 2020
- BCE trebuie sa fie consultata inainte de adoptarea de legi care afecteaza bancile nationale
Noutati EBA
- Bancile romanesti detin cele mai multe titluri de stat din Europa
- Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis
- The EBA reactivates its Guidelines on legislative and non-legislative moratoria
- EBA publishes 2018 EU-wide stress test results
- EBA launches 2018 EU-wide transparency exercise
Noutati FGDB
- Depozitele bancare garantate de FGDB au crescut cu 13 miliarde lei
- Depozitele bancare garantate de FGDB reprezinta doua treimi din totalul depozitelor din bancile romanesti
- Peste 80% din depozitele bancare sunt garantate
- Depozitele bancare nu intra in campania electorala
- FGDB explica modul de aplicare a procedurii de recapitalizare interna a unei banci cu depozitele negarantate ale clientilor (bail-in)
CSALB
- O firma care a facut un schimb valutar gresit s-a inteles cu banca, prin intermediul CSALB
- Rolul Centrului de Solutionare Alternativa a Litigiilor in domeniul Bancar (CSALB) in sustinerea stabilitatii financiare
- CSALB recomanda bancilor sa nu mai claseze cererile incomplet documentate pentru solutionarea amiabila a litigiilor
- CSALB: bancile s-au impacat in acest an cu 445 de clienti nemultumiti, care au primit concesii in valoare de 1,2 milioane euro
- In ce conditii te poate ajuta banca, atunci cand ai o problema cu creditul - sfaturi de la CSALB
First Bank
- Clientii First Bank pot face plati prin Google Pay
- First Bank anunta rezultatele financiare din prima jumatate a anului 2021
- First Bank are o noua aplicatie de mobile banking
- Cetatenii americani din Romania pot incasa cecurile de asistenta financiara pentru COVID-19 doar la First Bank
- First Bank finalizeaza achizitia Bank Leumi Romania
Noutati FMI
- FMI: criza COVID-19 se transforma in criza economica si financiara in 2020, suntem pregatiti cu 1 trilion (o mie de miliarde) de dolari, pentru a ajuta tarile in dificultate; prioritatea sunt ajutoarele financiare pentru familiile si firmele vulnerabile
- FMI cere BNR sa intareasca politica monetara iar Guvernului sa modifice legea pensiilor
- FMI: majorarea salariilor din sectorul public si legea pensiilor ar trebui reevaluate
- IMF statement of the 2018 Article IV Mission to Romania
- Jaewoo Lee, new IMF mission chief for Romania and Bulgaria
Noutati BERD
- BERD este ingrijorata de investigatia autoritatilor din Republica Moldova la Victoria Bank, subsidiara Bancii Transilvania
- BERD dezvaluie cat a platit pe actiunile Piraeus Bank
- ING Bank si BERD finanteaza parcul logistic CTPark Bucharest
- EBRD hails Moldova banking breakthrough
- Banca Transilvania and EBRD become majority shareholders of Victoriabank in Moldova
Noutati Federal Reserve
- Federal Reserve anunta noi masuri extinse pentru combaterea crizei COVID-19, care produce pagube "imense" in Statele Unite si in lume
- Federal Reserve urca dobanda la 2,25%
- Federal Reserve decided to maintain the target range for the federal funds rate at 1-1/2 to 1-3/4 percent
- Federal Reserve majoreaza dobanda de referinta pentru dolar la 1,5% - 1,75%
- Federal Reserve issues FOMC statement
Noutati BEI
- BEI a redus cu 31% sprijinul acordat Romaniei in 2018
- Romania implements SME Initiative: EUR 580 m for Romanian businesses
- European Investment Bank (EIB) is lending EUR 20 million to Agricover Credit IFN
Mobile banking
- Comisioanele BRD pentru MyBRD Mobile, MyBRD Net, My BRD SMS
- Termeni si conditii contractuale ale serviciului You BRD
- Recomandari de securitate ale BRD pentru utilizatorii de internet/mobile banking
- CEC Bank - Ghid utilizare token sub forma de card bancar
- Cinci banci permit platile cu telefonul mobil prin Google Pay
Noutati Comisia Europeana
- Cele mai mici preturi din Europa sunt in Romania
- State aid: Commission refers Romania to Court for failure to recover illegal aid worth up to €92 million
- Comisia Europeana publica raportul privind progresele inregistrate de Romania in cadrul mecanismului de cooperare si de verificare (MCV)
- Infringements: Commission refers Greece, Ireland and Romania to the Court of Justice for not implementing anti-money laundering rules
- Council of the European Union statement on Bulgaria path towards ERM II participation
Noutati BVB
- BET AeRO, primul indice pentru piata AeRO, la BVB
- Laptaria cu Caimac s-a listat pe piata AeRO a BVB
- Banca Transilvania plateste un dividend brut pe actiune de 0,17 lei din profitul pe 2018
- Obligatiunile Bancii Transilvania se tranzactioneaza la Bursa de Valori Bucuresti
- Obligatiunile Good Pople SA (FRU21) au debutat pe piata AeRO
Institutul National de Statistica
- Productia industriala din aprilie 2022, sub nivelul din urma cu sase ani
- Inflatia industriala a scazut, dar transmiterea in preturile la consumator continua
- Puterea de cumparare a salariului mediu - pe plus in T1 2022, in pofida inflatiei
- Deficitul comercial, majorat cu 34% in T1 2022, dupa ce importurile lunare au trecut pragul de 10 miliarde euro
- ”Inflatia industriala”, majorata la peste 51%, dupa un avans de sapte procente in martie 2022
Informatii utile asigurari
- Asigurari de viata: crestere de 18% in 2021
- Dosarele de dauna City Insurance se pot depune la FGA (Fondul de Garantare a Asiguratilor)
- Transilvania Broker de Asigurare ofera comsionul digital
- Doar 1,8 milioane de locuinte dintre cele peste 9 milioane sunt asigurate
- Regulile privind incheierea asigurarii auto RCA online
ING Bank
- Clientii ING Bank trebuie sa-si actualizeze aplicatia Home Bank pana in 20 martie
- Obligatiunile Rockcastle, cel mai mare proprietar de centre comerciale din Europa Centrala si de Est, intermediata de ING Bank
- ING Bank transforma departamentul de responsabilitate sociala intr-unul de sustenabilitate
- ING Bank anunta rezultatele financiare la 9 luni 2021: creditarea si profitul cresc substantial
- Cum se face o reclamatie la ING Bank?
Ultimele Comentarii
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Vreau sa actualizez online datele personale.
Vreau sa actualizez online datele personale. Am fost la sucursala si mi s.a spus ca le.a cazut ... detalii
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Vreau sa actualizez online datele personale.
Vreau sa actualizez online datele personale. Am fost la sucursala si mi s.a spus ca le.a cazut ... detalii
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Vreau sa actualizez online datele personale.
Vreau sa actualizez online datele personale. Am fost la sucursala si mi s.a spus ca le.a cazut ... detalii
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Vreau sa actualizez online datele personale.
Vreau sa actualizez online datele personale. Am fost la sucursala si mi s.a spus ca le.a cazut ... detalii
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Solicitare cod de utilizator
Buna ziuam, am uitat codul de utilizator de la Home Bank, va rog sa mi-l ... detalii