Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Tokyo, Mikael Inglander and Anders EkSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Tokyo, Mikael Inglander and Anders EkSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Jan Lilja, Head of Group TreasurySwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Lehman Brothers Global Financial Services ConferenceSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, UBS Nordic Banking Conference Jan LidénSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow London, Morgan Stanley Banking ConferenceSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
An analysis of the Swedish property markets and its weaknesses. I researched the structure of the Swedish mortgage market, real estate valuation and household indebtedness and the covered bond market and its connection to the Swedish banking system.
Part 1 gives the macroeconomic background and looks at the structure of the local mortgage market.
Changes in economic environment. Macro overview and outlook for 2013-2014 Mārtiņš Pakulis
A presentation by Mārtiņš Kazāks about «Changes in economic environment. Macro overview and outlook for 2013-2014.»
Presented on 27th March, 2013 in Riga Business School.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, London, Jan Liden, CEO and Mikael Inglander, CFOSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Danske Bank Nordic Bank Seminar, June 2010Swedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Jan Lilja, Head of Group TreasurySwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Lehman Brothers Global Financial Services ConferenceSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, UBS Nordic Banking Conference Jan LidénSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow London, Morgan Stanley Banking ConferenceSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
An analysis of the Swedish property markets and its weaknesses. I researched the structure of the Swedish mortgage market, real estate valuation and household indebtedness and the covered bond market and its connection to the Swedish banking system.
Part 1 gives the macroeconomic background and looks at the structure of the local mortgage market.
Changes in economic environment. Macro overview and outlook for 2013-2014 Mārtiņš Pakulis
A presentation by Mārtiņš Kazāks about «Changes in economic environment. Macro overview and outlook for 2013-2014.»
Presented on 27th March, 2013 in Riga Business School.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, London, Jan Liden, CEO and Mikael Inglander, CFOSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Danske Bank Nordic Bank Seminar, June 2010Swedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Roadshow, Öhman Baltic Banking Day, Maris AvotinsSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Capital markets day CMD 2008 - Erkki RaasukeSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Capital Market Days 2008 - Mikael InglanderSwedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
SEB Enskilda Nordic Banks Seminar, May 2010Swedbank
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
2. (2)
Core business is doing well – challenging financial markets
• Solid business development with
corporates and private customers
• Development as expected in the
Baltic states
• Funding programmes continue to
function well – conversion to
covered bonds on 21 April
• Credit quality remains good, credit
losses and impaired loans are
increasing from low levels
• Lower commission income due to
weaker equity markets and low
corporate finance activity
• Net gains and losses on financial
items were adversely affected by
unrealized valuation effects
caused by the credit crunch
3. (3)
Strong position for profitability and growth
Ukraine and RussiaBalticsSweden
Stable base
Growth and
experience
Future growth and
profitability
Swedbank is the leading bank in
Sweden. Profitability is high and
stable and the bank is
consolidating its market shares in
important segments in both the
private and corporate sectors.
Swedbank has a small but
growing presence in Ukraine and
Russia. In the long term, a
significant share of Swedbank’s
growth will be generated in these
markets.
The Baltic economies are
experiencing strong economic
growth that is expected to remain
for many years. As the largest
bank in the region, growing with
the market ensures attractive
earnings growth.
Share of profit
2007: 65%
Share of lending
2007: 80%
Share of profit
2007: 3%
Share of lending
2007: 2%
Share of profit
2007: 32%
Share of lending
2007: 16%
7. (7)
Credit quality, Baltic Banking
0.35%
-0.05%
0.23%
0.56%
0.21%
2007
0.39%
0.25%
0.54%
0.38%
Q1 08
-0.28%Group level provision adjustment
0.28%Baltic Banking
0.13%Lithuania
0.78%Latvia
0.67%Estonia
Q4 07
*Loan loss ratio, net = (changes in provisions + net write offs) /
credit portfolio at the beginning of the year
Loan loss ratio, net*
Overdue ratio (more than 60 days)*
0.71%
0.75%
0.65%
Q4 07
0.86%
0.92%
0.79%
Q1 08
0.56%Baltic Banking
0.49%Private
0.58%Corporate
Q2 07
*Overdue ratio (more than 60 days) = volume of loans more
than 60 days overdue /12 month-old credit portfolio
8. (8)
Swedish Banking
• Continued solid volume growth
• Net interest income increased
by 2% compared with Q4 2007
• Lower equity related
commission income
• Continuous work to adjust the
branch structure – sale of 8
branches to savings banks for
SEK 440m
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
Q1
08
0.0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
Income Costs C/I-ratio
C/I-ratioSEKm C/I-ratioSEKm
9. (9)
Baltic Banking Operations
• Profitability remained robust
• Lending growth continued to
decrease
• Net interest margins declined due
to decreasing local interest rates
and higher funding costs
• Net loan losses as expected
• Cost focus
– Operational excellence pilots
indicate substantial potential
– No new net staff recruitments
0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
2,200
2,400
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
Q1
08
0.0
0.1
0.2
0.3
0.4
0.5
Income Costs C/I-ratio
SEKm C/I-ratio
10. (10)
Baltic macro development
Real GDP growth
0%
2%
4%
6%
8%
10%
12%
14%
2005 2006 2007 2008F 2009F
Est Lat Lit
CPI growth
2%
4%
6%
8%
10%
12%
14%
16%
2005 2006 2007 2008F 2009F
Est Lat Lit
• Economic slowdown in Estonia continues: GDP growth will fall to about 3.5% in 2008, with a
recovery to 5% growth in 2009. The bottom of the cycle is expected to be in summer 2008
• In Latvia growth will decline to about 4% in 2008 and to about 3.5% in 2009. The bottom of the
cycle is expected to be in winter 2008/2009
• Slowdown in Lithuania will be modest: expected GDP growth of about 6.7% in 2008 and about
5.8% in 2009
• Export growth remains relatively strong, while weak domestic demand is reducing imports.
Trade and current account deficits are falling. CPI will peak in Q1 2008. Long-term GDP
growth (6-7%) will be above EU average.
Source: Hansabank Markets
11. (11)
International Banking
• Continued solid performance in
Ukraine
– Launch of the new brand initiated
– Expansion and restructuring of
the branch network continues
– New corporate offering
• Cautious expansion in Russia
– Raimo Valo new head of Russian
operations
• Cooperation with FDB/COOP
regarding banking products in
Denmark.
0
25
50
75
100
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
Q1
08
International Banking, profit for the period
of which Russian Banking
of which Ukrainian Banking Operations
SEKm
12. (12)
Swedbank Markets
• Fixed income and FX trading
continued to do well
• Equity trading was weaker due to
negative market sentiment
• Market leader position in
structured products was
improved, in a weaker market
• Weak quarter in Corporate
Finance for First Securities
• Result was negatively affected by
unrealized valuation effects as a
result of the credit crunch.
0
50
100
150
200
250
300
350
400
450
500
Q1
06
Q2
06
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
Q1
08
Profit for the period attributable to shareholders of Swedbank First Securities
SEKm
14. (14)
Swedbank funding structure
Swedbank Treasury (excluding Mortgage)
• Large deposit base
• Liquidity reserves
• Net lender in the
interbank market
• Liquidity limits –
conservative view
Swedbank Mortgage
constitutes a larger
part of Swedbank
Group’s balance sheet
compared with other
financial institutions
Distribution of net funding requirement
Swedbank Mortgage
Lending to the public: SEK 1,131bn
Deposits
80%
Equity
8%
Funding
12%
Equity
4%
Funding
96%
50%50%
Swedbank Group,
excl. Swedbank
Mortgage SEK
562bn
Swedbank
Mortgage
SEK 569bn
15. (15)
Focus on funding
Funding costs have increased
• Higher price of risk
• Increased liquidity reserve
• Short-term adverse effect on margins
Covered bonds as of 21 April 2008
• AAA rating (S&P and Moody’s) ⇨ funding at lower cost
• Facilitates access to a broader investor base – more stable liquidity
• Provides substantially increased liquidity reserve.
16. (16)
Income statement, Group
SEKm
Q1
2008
Q4
2007 %
Q1
2007 %
Net interest income 5,241 5,259 – 0 4,501 16
Net commission income 2,180 2,536 – 14 2,289 – 5
Net gains/losses on financial items at fair value 75 386 – 81 530 – 86
Other income 950 693 37 473 101
Total income 8,446 8,874 – 5 7,793 8
Staff costs 2,311 2,111 9 1,932 20
Profit-based staff costs 268 522 – 49 390 – 31
Other expenses 1,861 1,893 – 2 1,615 15
Total expenses 4,440 4,526 – 2 3,937 13
Profit before loan losses 4,006 4,348 – 8 3,856 4
Loan losses 288 238 21 49 488
Operating profit 3,718 4,110 – 10 3,807 – 2
Tax 805 950 – 15 851 – 5
Profit for the period 2,913 3,160 – 8 2,956 – 1
Attributable to shareholders of Swedbank 2,900 3,108 – 7 2,910 – 0
17. (17)
Net interest income Q1 08 (Q4 07)
5,259 5,241
55
-13
1 22
-215
132
4,600
4,800
5,000
5,200
5,400
Netinterest
income
Q407
Swedish
Banking
BalticBanking
Operations
BalticBanking
Investment
International
Banking
Swedbank
Markets
Shared
Servicesand
other
Netinterest
income
Q108
SEKm
18. (18)
Swedish Banking, change in net interest income
SEKm
Q1 2008
vs Q4 2007
Q1 2008
vs Q1 2007
Net interest income Q4 2007 2,927
Net interest income Q1 2007 2,943
Changes:
Higher lending volumes 55 234
Decreased lending margins – 116 – 403
Difference in number of days/quarter, lending – 18 18
Higher deposit volumes 24 122
Higher deposit margins 110 194
Difference in number of days/quarter, deposits – 13 13
Other changes 13 – 139
Total change 55 39
Net interest income Q1 2008 2,982 2,982
19. (19)
Baltic Banking, change in net interest income
SEKm
Q1 2008
vs Q4 2007
Q1 2008
vs Q1 2007
Net interest income Q4 2007 1,588
Net interest income Q1 2007 1,215
Changes:
Higher lending volumes 47 245
Higher lending margins 3 8
Difference in number of days/quarter, lending -11 11
FX-effects, lending 14 21
Higher deposit volumes 44 68
Higher deposit margins 85
Decreased deposit margins -148
Difference in number of days/quarter, deposits -6 6
FX-effects, deposits 10 11
Other changes 34 -95
Total change – 13 360
Net interest income Q1 2008 1,575 1,575
20. (20)
Net commission income, Group
0
200
400
600
800
1,000
Asset
management
Payments
Brokerage
Lending
Insurance
Corporate
finance
Other
Q1 2008 Q4 2007
SEKm
24. (24)
Key figures
Jan-Mar
2008
Jan-Mar
2007
Return on equity, % 16.8 18.9
Earnings per share, SEK 5.63 5.65
Equity per share, SEK 136.43 122.84
C/I ratio before loan losses 0.53 0.51
Loan loss ratio, net, % 0.10 0.02
Share of impaired loans, % 0.16 0.07
Dividend, SEK 9.00* 8.25
Tier 1 capital ratio, new rules, % 8.2 8.0
Tier 1 capital ratio, transition rules, % 6.5 6.8
Capital adequacy ratio, new rules, % 11.7 11.8
* according to Board of Directors proposal
25. (25)
Core business is doing well – challenging financial markets
• Solid business development with
corporates and private customers
• Development as expected in the
Baltic states
• Funding programmes continue to
function well – conversion to
covered bonds on 21 April
• Credit quality remains good, credit
losses and impaired loans are
increasing from low levels
• Lower commission income due to
weaker equity markets and low
corporate finance activity
• Net gains and losses on financial
items were adversely affected by
unrealized valuation effects
caused by the credit crunch
27. (27)
Exposures
• No direct US subprime exposure
– Minimal indirect exposure through investments of EUR 48m in bonds issued by US mortgage
institutions. The bonds have about 5% exposure to US subprime
• Total exposure to structured credits is minimal
– No commitments as regards conduits or SIVs of any kind
– Negligible exposure to CDOs
• Swedbank holds a very small CDO trading stock for client trades in CDOs issued by Swedbank,
with mainly large caps as underlying risk
• Holdings totalled EUR 18m at end Q1
– Exposure to Mortgage Backed Securities was about EUR 714m
• European Aaa and mainly residential
• Held for EUR liquidity purposes and client trading
• Hedge fund exposure was about EUR 500m, all collateralized
• Exposure to private equity firms and their target companies was about
EUR 1,350m in total
– Nordic related LBOs
• The above-mentioned exposures together represent less than 1.5% of
total assets.
28. (28)
Baltic Banking lending by sectors
593
1,076
1,780
1,800
2,933
8,370
3,185
0 2,000 4,000 6,000 8,000 10,000
Other
Construction
Transport
Industry
Retail &
Wholesale
Real-estate
mgmt
Individuals
47
-35
88
64
-79
268
-2
-250 0 250 500 750
Portfolio, March 2008 Portfolio growth, Q1 08
42%
xx% - share of portfolio and portfolio growth
3%
5%
9%
9%
15%
10%
-12%
41%
16% 0%
13%
-5%
7%
As of 2008, Bank of Estonia changed the official sector classification details. During the process of implementing the new classification, Hansabank
switched to a different source system and reviewed the sector data in detail. This resulted in many reclassifications, particularly as regards the real
estate management sector. The current classification better illustrates Baltic Banking’s exposure to the real estate sector. Real estate management
portfolio growth prior to reclassification was EUR 145m in Q1 08.