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.
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.
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.
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.
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.
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.
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.
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.
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, 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.
Roadshow, Öhman Baltic Banking Day, Priit PerensSwedbank
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, 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.
Roadshow, Öhman Baltic Banking Day, Priit PerensSwedbank
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.
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, 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.
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.
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.
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.
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.
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.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@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.
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 secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
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
2. (2)
Latvia
Total population: 2.3m
Employees: 2,501
Private customers: 0.8m
Corp. customers: 53,000
Branches: 77
Typical market share: 30%
The leading bank in four small countries
Sweden
Total population: 9.2m
Employees: 8,750
Private customers: 4.1m
Corp. customers: 275,000
Organisations: 120,000
Branches: 459
Typical market share: 25%
Lithuania
Total population: 3.5m
Employees: 3,384
Private customers: 3.0m
Corp. customers: 78,000
Branches: 128
Typical market share: 30%
Estonia
Total population: 1.3m
Employees: 3,227
Private customers: 1.2m
Corp. customers: 88,000
Branches: 94
Typical market share: 50%
• Supporting markets: Denmark, Finland, Norway, Russia,
Ukraine, USA, Luxemburg, China, Japan and Spain
80%
6% 5% 5%
4%
Sweden
Estonia
Latvia
Lithuania
Others
Share of group lending
• Potential home markets: Russia and Ukraine
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: 66%
Share of lending
2007: 80%
Share of profit
2007: 2%
Share of lending
2007: 2%
Share of profit
2007: 32%
Share of lending
2007: 16%
4. (4)
Swedbank, group overview
52%
32%
2%
8% 8%
-2%-10%
0%
10%
20%
30%
40%
50%
60%
Swedish
Banking
Baltic
Banking
International
Banking
Swedbank
Markets
Asset
Management
& Insurance
Shared
Services
& Group
Staffs
Share of Group net profit 2007
5. (5)
2007 – A successful and eventful year
• Profit attributable to shareholders increased 10% to SEK 12bn
– Net interest income increase by 20%
– Net commission income increased by 11%
• Swedish Banking show a stable result, low risks and high return on
equity
• Record result in Baltic Banking with balanced risks
• Swedbank Markets’ results on same level as last year’s all time high
A successful year despite global credit turmoil
and Baltic slowdown
6. (6)
Q4 2007 – Good development and strong results
• Good volume development in Sweden
– Stable margins on new lending
• Continued strong results in Baltic banking
– Economic slowdown align with expectations
• Strong finish of the year for Swedbank Markets
– Success in fixed income trading and structured investment products in
Sweden and corporate finance in Norway
• Swedbank Ukraine continues to develop well
Profit increased 7% compared with Q4 2006
7. (7)
Solid profit development
*Loan losses, net = write-offs + provisions – recoveries + change in property taken over
-1,000
1,000
3,000
5,000
7,000
9,000
11,000
13,000
15,000
17,000
2000 2001 2002 2003 2004 2005 2006 2007
-1,000
1,000
3,000
5,000
7,000
9,000
11,000
13,000
15,000
17,000
Profit before loan losses Capital gains EnterCard and KIAB
Loan losses, net* Operating profit (excl. capital gains)
SEKm SEKm
8. (8)
Minor direct effects from the credit turmoil
Valuation- and accounting effects, SEK M
Q4
2007
Q3
2007
Swedbank Markets – 40 – 60
Group Treasury, liquidity portfolio – 5 – 68
Group Treasury, intra-group lending 20 – 90
Swedbank Mortgage 66 – 129
9. (9)
Business volumes
84
13 24
334
102
19
31
289
398 401
0
100
200
300
400
500
Deposits,
Sweden
Deposits,
Baltics
AM funds,
Sweden
AM funds,
Baltics
Structured
products,
bonds
Dec, 2006 Dec, 2007
SEKbn
Savings
919
425
333
53 74
34
77 100
61
390
475
1,103
0
200
400
600
800
1,000
1,200
Lending,
Group
Private,
Sweden
Corporate,
Sweden
Private,
Baltics
Corporate,
Baltics
Other
Dec, 2006 Dec, 2007
SEKbn
Lending
12. (12)
Swedish Banking
• Continued stable earnings and high profitability
• Strong corporate lending during Q4
– Total lending increased by 4% vs. Q3 and 14%
during the full year
• Continued good deposit trend
– Deposits increased by 3% vs. Q3 and 15% during
the full year
• Share of new savings from households
increased to 18% (17% in Dec 06)
• Rise in funding costs are gradually, but with
certain delay, passed on through higher lending
rates
• Minor valuation effects as a consequence of the
turmoil on the credit market
• Covered bonds as from Q2 2008
• In agreement to sell 8 branches to savings
banks
• Swedish economy still relatively strong.
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
Q2
06
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
0.0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
Income Costs C/I-ratio
SEKm %
13. (13)
Baltic Banking Operations
• Continued high profitability
• Net interest income increased 7% vs. Q3
• Lending growth in 2007 was 33%, the gradual
slowdown is expected to continue
• Weak trading income due to market turmoil
• Costs affected by
– Annual wage increases in Latvia and Lithuania,
hits P&L as of October every year
– Investments in operational excellence project
for increased productivity
– High marketing costs.0
200
400
600
800
1,000
1,200
1,400
1,600
1,800
2,000
2,200
2,400
Q2
06
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
0.0
0.1
0.2
0.3
0.4
0.5
Income Costs C/I-ratio
SEKm %
14. (14)
Credit quality, Baltic Banking
Loan loss ratio, net (average portfolio)
-2.0%
-1.2%
-0.4%
0.4%
1.2%
2.0%
2002 2003 2004 2005 2006 2007
Estonia Latvia Lithuania Group
Share of impaired loans (12 month old portfolio)
0.0%
0.5%
1.0%
1.5%
2.0%
2002 2003 2004 2005 2006 2007
Estonia Latvia Lithuania Baltics Group
16. (16)
Baltic macro development
Real GDP growth
0%
2%
4%
6%
8%
10%
12%
2005 2006 2007F 2008F 2009F
Est Lat Lit
CPI growth
0%
2%
4%
6%
8%
10%
12%
2005 2006 2007 2008F 2009F
Est Lat Lit
• Economic slowdown in Estonia continues: GDP growth slows from ~7% in 2007 to ~5% in
2008; the bottom of the cycle is expected to be in Q2 2008
• In Latvia growth slows from ~10.5% to 6% in 2008, the bottom of the cycle is expected to be
in H2 of 2008
• Slowdown in Lithuania started in Q4 2007: GDP growth will slow from 2007’s 8.7% to ~7.5%
in 2008
• Weak domestic demand reduces imports and exports growth continues. 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 Market
17. (17)
Swedbank Markets
• Good end to the year despite the capital
market turmoil
• Strong results in, above all, fixed income and
FX trading, structured investment products
and corporate finance fees First Securities
• Minor valuation effects due to market turmoil,
SEK - 40m
• Continued market leader in corporate bonds,
new issues in SEK
• Sustained growth and market leading
position in structured products, sales grew by
39% in 2007.
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
Profit for the period attributable to shareholders
of Swedbank
SEKm
18. (18)
International Banking
• Continued strong lending growth in Ukrainian
Banking, + 112% to SEK 11bn in 2007
• Loan loss ratio, net in Ukrainian Banking
decreased after adjusting calculation method
to Swedbank Group’s principles
• Annual lending growth in Russian Banking
was 50% to SEK 10bn
• Following positive court rulings regarding VAT
dispute in leasing operations, a reversal of
SEK 60m was made in Russian Banking
• Lending in Nordic branches more than
doubled in 2007, reaching SEK 13bn.
-100
-75
-50
-25
0
25
50
75
100
Q2
06
Q3
06
Q4
06
Q1
07
Q2
07
Q3
07
Q4
07
International Banking, profit for the period
of which Russian Banking
of which Ukrainian Banking Operations
SEKm
19. (19)
Income statement, group
SEKm
Q4
2007
Q3
2007 %
Q4
2006 %
Net interest income 5,259 4,806 9 4,303 22
Net commission income 2,536 2,503 1 2,309 10
Net gains/losses on financial items at fair value 386 196 97 908 – 57
Other income 693 526 32 392 77
Total income 8,874 8,031 10 7,912 12
Staff costs 2,111 2,075 2 1,878 12
Profit-based staff costs 522 337 55 302 73
Other expenses 1,893 1,720 10 1,917 – 1
Total expenses 4,526 4,132 10 4,097 10
Profit before loan losses 4,348 3,899 12 3,815 14
Loan losses 238 230 3 – 72 – 431
Operating profit 4,110 3,669 12 3,887 6
Tax 950 793 20 928 2
Profit for the period 3,160 2,876 10 2,959 7
Attributable to shareholders of Swedbank 3,108 2,866 8 2,913 7
20. (20)
Net interest income Q4-07 (Q3-07)
4,806
5,259
- 10
359
12
- 10
101
1
4,600
4,800
5,000
5,200
5,400
Netinterest
income
Q3-07
Swedish
Banking
BalticBanking
Operations
BalticBanking
Investment
International
Banking
Swedbank
Markets
Shared
Servicesand
other
Netinterest
income
Q4-07
SEKm
21. (21)
Net interest income Swedish Banking, change
SEKm
Q4 2007
vs Q3 2007
Q4 2007
vs Q4 2006
Net interest income Q3 2007 2,926
Net interest income Q4 2006 2,943
Changes:
Higher lending volumes 46 215
Decreased lending margins – 81 – 306
Higher deposit volumes 43 122
Higher deposit margins 52 142
Other changes – 59 – 189
Total change 1 – 16
Net interest income Q4 2007 2,927 2,927
22. (22)
Baltic Banking, change in net interest income
SEKm
Q4 2007
vs Q3 2007
Q4 2007
vs Q4 2006
Net interest income Q3 2007 1,487
Net interest income Q4 2006 1,126
Changes:
Higher lending volumes 61 273
Higher lending margins 14
Decreased lending margins -10
FX-effects, lending 4 12
Higher deposit volumes 2 56
Higher deposit margins 84 260
FX-effects, deposits 2 6
Other changes -66 -135
Total change 101 462
Net interest income Q4 2007 1,588 1,588
23. (23)
Net commission income, Group
0
1,000
2,000
3,000
4,000
5,000
Asset
management
Payments
Brokerage
Lending
Insurance
Corporate
finance
Other
2007 2006
SEKm
24. (24)
Expenses
SEKm
Q4
2007
Q3
2007 %
Q4
2006 %
Swedish Banking 2,279 2,208 3 2,327 – 2
Baltic Banking 1,062 864 23 811 31
International Banking 272 279 – 3 126
Of which Ukrainian Banking 163 134 22
Swedbank Markets 560 416 35 535 5
Other business areas 353 365 – 3 298 18
Total expenses 4,526 4,132 10 4,097 10
of which staff costs in:
Swedish Banking 1,096 1,093 0 998 10
Baltic Banking 587 511 15 450 30
International Banking 155 134 16 49
Swedbank Markets 351 225 56 345 2
25. (25)
Business areas
2007 vs 2006, SEKm 2007 % 2007 % 2007 % 2007 % 2007 %
Net interest income 11,701 5,667 986 1,343 83
Net commission income 4,504 1,854 196 1,441 1,868
Other income 1,473 1,252 97 773 232
Total income 17,678 4 8,773 42 1,279 3,557 1 2,183 19
Staff costs 4,296 2,044 405 1,239 425
Other expenses 4,704 1,502 366 753 463
Total expenses 9,000 3 3,546 32 771 1,992 3 888 31
Profit before loan losses 8,678 5 5,227 50 508 1,565 0 1,295 13
Loan losses 71 450 170 0 0
Operating profit 8,607 -2 4,777 49 338 1,565 -1 1,295 13
Tax 2,413 455 70 427 320
Profit for the period 6,194 4,322 268 1,138 975
To Swedbank's
shareholders 6,182 – 2 4,322 46 268 1,010 3 975 11
Return on allocated equity % 23.2 31.2 6.9 24.2 57.0
Asset
Mgmt
Internat.
Banking
Swedish
Banking
Baltic
Banking
Swedbank
Markets
26. (26)
Key figures
Jan - Dec,
2007
Jan - Dec,
2006
Return on equity, % 18.9 19.3
Earnings per share, SEK 23.28 21.11
Equity per share, SEK 131.96 116.37
C/I ratio before loan losses 0.51 0.52
Loan loss ratio, net, % 0.07 – 0.02
Share of impaired loans, % 0.13 0.07
Dividend, SEK* 9.00 8.25
Tier 1 capital ratio, new principles, % 8.5 -
Tier 1 capital ratio, transition principles, % 6.2 6.5 **
Capital adequacy ratio, new principles, % 12.7 9.8 **
*according to Board of Directors’ proposal
**according to old principles
27. (27)
Tier-1 ratio, Group
• Tier 1 ratio amounted to 8.5%
• Tier 1 ratio, according to transition
principles, was 6.2%
• As of January 1, 2008, tier 1 ratio
according to transition principles,
increased by 31 bps due to the gradual
implementation of Basel 2 regulations.
0
1
2
3
4
5
6
7
8
9
10
Q1-05
Q2-05
Q3-05
Q4-05
Q1-06
Q2-06
Q3-06
Q4-06
Q1-07
Q2-07
Q3-07
Q4-07
0
1
2
3
4
5
6
7
8
9
10
Tier 1 ratio, Basel 2
Tier 1 ratio, transition rules
Target Tier 1 ratio
% %
28. (28)
2007 – A successful and eventful year
• Profit attributable to shareholders increased 10% to SEK 12bn
– Net interest income increase by 20%
– Net commission income increased by 11%
• Swedish Banking show a stable result, low risks and high return on
equity
• Record result in Baltic Banking with balanced risks
• Swedbank Markets’ results on same level as last year’s all time high
A successful year despite global credit turmoil
and Baltic slowdown
30. (30)
Group lending by sectors – Baltic Banking
Portfolio, December 2007 Portfolio growth, Q4 07
546
1,111
1,692
1,736
3,012
8,282
2,786
0 2,000 4,000 6,000 8,000
Other
Construction
Transport
Industry
Retail &
Wholesale
Real-estate
mgmt
Individuals
0
34
42
111
82
452
231
0 250 500
42%
% - share of portfolio and portfolio growth
3%
6%
8%
9%
15%
10%
7%
39%
14% 20%
4%
3%
0%
31. (31)
Exposure FAQ
• No direct US Sub-Prime exposure
– Minimal indirect exposure through investments of EUR 57m in bonds issued by US mortgage
institutions who, in their turn, have exposures towards US sub-prime
• Total exposure towards structured credits is minimal
– No commitments towards conduits or SIV’s of any kind
– Negligible exposure towards CDO’s
• Swedbank holds a very small CDO trading stock for client trades in CDO’s which we have
issued ourselves with mainly large Cap’s as underlying risk
• 80% of the tranches held are rated Aaa and 20% are rated A
• Total holdings was EUR 27m at year end
– Exposure towards Mortgage Backed Securities is appr. EUR 719m
• European Aaa and mainly residential
• Held for EUR liquidity purposes and client trading
• Hedge fund exposure is appr. EUR 500m, all collateralized
• Exposure towards private equity firms and their target companies is about
EUR 1 380m in total
– Nordic related LBO’s
• In total, above mentioned exposures represent less than 1.6 % of total
assets