This document provides an overview of Swedbank, a bank operating in Sweden, Estonia, Latvia, and Lithuania. It details that Swedbank has over 16 million inhabitants, 7.3 million private customers, and 651,000 corporate customers across its four home markets. Key figures on branches, employees and lending are also provided for each country. The document discusses Swedbank's history, vision, values, purpose and engagement in society. It outlines challenges from new customer needs, competitors, regulations and economic developments, and how Swedbank is adapting. Services provided to private and corporate customers are also summarized.
Swedbank Corporate Presentation, March 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 Corporate Presentation, March 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 is a modern bank firmly rooted in Swedish savings bank history. We are an inclusive bank with 8 million private customers and more than 600 000 corporate and organisational customers.
Nordax is a niche bank in the Scandinavian region providing unsecured consumer loans and deposit accounts to about 100,000 customers in Sweden, Norway, Finland, Denmark and Germany. Visit: http://www.nordax.no
The Corporate Responsibility Report shows how Credit Suisse assumes its social and environmental responsibilities when conducting its business activities with its various stakeholders.
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Swedbank is a modern bank firmly rooted in Swedish savings bank history. We are an inclusive bank with 8 million private customers and more than 600 000 corporate and organisational customers.
Nordax is a niche bank in the Scandinavian region providing unsecured consumer loans and deposit accounts to about 100,000 customers in Sweden, Norway, Finland, Denmark and Germany. Visit: http://www.nordax.no
The Corporate Responsibility Report shows how Credit Suisse assumes its social and environmental responsibilities when conducting its business activities with its various stakeholders.
Download the report (PDF): http://bit.ly/P0DohN
This document describes the Sweden FinTech landscape, approaching the analysis from a FinTech, regulatory, Investment and talent standpoint.
This document serves as a snapshot of the key pillars of a FinTech ecosystem in a country and provides a good overall view of the state of FinTech at a glance.
Swedbank Corporate Presentation, 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.
In Nets, we have created a strong Nordic supplier of payment, card and information solutions with a staff of more than 2.700. Nets' business objective is to become a leader in the Nordic Region and Northern Europe.
In recent years, we have seen an elimination race in Europe among suppliers of payment, card and information solutions. The winners will be those that are simultaneously able to consolidate their position and to create growth in new markets.
International customers want a single supplier that can handle payments in all their markets. They require us to be able to consistently and cost-effectively handle payments in the market where they are present and demand our services.
Our strong market platform especially in Denmark and Norway opens up an array of ways for Nets to improve customer support domestically as well as in the Nordic and European markets. We will protect our position in Denmark and Norway, and continue to function as a hub of joint development of the payment infrastructure in those countries. Our strong domestic platforms are also the springboard to a stronger market position in the rest of the Nordic Region and in Northern Europe.
We build partnerships by focusing on your destination, not just the investment. For our partners with destinations that lie far in the future, we take a longer, broader view.
Swedbank är en modern bank med rötterna tryggt förankrade i den svenska sparbankshistorien. Vi är en inkluderande bank med 8 miljoner privatkunder och drygt 600 000 företags- och organisationskunder.
Memorandum Of Association Constitution of Company.pptseri bangash
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A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
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Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
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It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
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Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
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Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
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A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
7. We enable
people, businesses
and society to grow.
Vision
Open Simple Caring
Values
Purpose
We encourage a sound and sustainable financial
situation for the many households and businesses.
Who we are
8. We started in1820, as Sweden’s first savings bank. Our
purpose was to combat poverty and to encourage
ordinary people to save for a better future.
Once upon a time…
1820 1915 1991 1992 1995 1997 2005 2006 20141994
Jordbrukskassan
Föreningsbanken
Sparbanken Sverige
IPO Föreningsbanken Föreningssparbanken
IPO Sparbanken Sverige Hansabank
Swedbank
Sparbanken Öresund
9. With a focus on social, economic and
environmental sustainability.
Our engagement in society continues
10. We get involved where our customers are (examples)
Against bullying
In Sweden, we collaborate with
the Friends Foundation
(Stiftelsen Friends), to prevent
bullying among children.
Introduction to business life
In Lithuania, we have I will be, an initiative that’s about
introducing different professions to young people.
In Sweden, we collaborate with Young Enterprise (Ung
Företagsamhet), which trains students in
entrepreneurship.
Football
A partner to the Swedish
Football Association.
Local associations
We engage in local community
associations, focusing on
initiatives that benefit young
people.
Internships
Through Young Jobs
(Unga Jobb) we help
arrange internships for
young people. Through A
Job at Last (Äntligen
Jobb) we help arrange
internships for academics
born abroad. Both
initiatives are based in
Sweden.
The environment
We were certified according
to ISO 14001 back in 2003
– as the first listed Nordic
bank.
Teach economy
Through Ready for Life we
teach private economy at
Latvian schools. In
Sweden we have a similar
initiative, Young Economy
(Ung Ekonomi). For the
younger ones we publish
Lyckoslanten, one of
Sweden’s biggest
children’s magazines.
Portal for donations
In Estonia, we contribute
funding and expertise to
I Love to Help, a portal for
donations to more than 50
charities.
Support to teachers
Through Mission Possible
we help students in Latvia to
become inspiring teachers and
future leaders.
11. Our employees
• We invest in our employees’ development.
• We create opportunities for internal mobility.
• We work for equality and diversity.
• We help our employees to find a balance
between their job and private life.
• Our goal is to have the industry’s best
managers.
14. Customers’ new needs
More and more customers are choosing to do their
daily banking using a computer, smartphone or
tablet. At the same time many customers want
personal help, especially in cases that are a bit more
complex.
Our future: Customers should be able to handle all
their daily banking digitally, but also be able to get
personal, customised help at our branches.
15. Macroeconomic developments
Due to globalisation, both we and our customers are
increasingly affected by what happens in the world.
Demographic changes such as urbanisation and
population growth are creating new business
opportunities.
Low inflation has resulted in an expansive monetary
policy and low interest rates. Our customers are taking
greater risks and bigger loans.
Our future: To remain a strong, relevant bank, we need to
constantly adapt to the changes around us.
16. New competitors
Our competitors are both global banks and
companies that are operating outside the traditional
banking sector.
Our future: We must make it even easier to manage
daily banking digitally. And we must become even
better at transforming customer data into customer
insights, in order to provide tailor-made services and
products.
17. In the past few years, several new regulations
have been introduced, nationally as well as within
EU and globally. The regulations aim to increase
financial stability and to protect consumers.
Our future: The new regulations will increase our
costs and put pressure on our profits.
Nevertheless, we welcome these regulations as
they contribute to increased stability. As a matter
of fact, Swedbank is one of Europe’s best
capitalised banks.
New regulations
18. MiFID II
EU directive that regulates trading with securities and
aims to improve investor protection.
Basel III
International regulation that has tightened the
requirements for banks’ capital adequacy ratio and
reporting. Aims to prevent future financial bubbles and
crashes.
PSD2
EU directive that aims to create clear rules for third-party
services in the banking market. It also establishes rules
for common security standards.
Examples of new regulations
19. We are a part of our customer’s
day – throughout their life.
20. Our private customers
Has her
own
savings
account
Planning
to buy a
new car
Saving for
his
retirement
Recently
bought a
summer
cottage
Saving for
a trip
around
the world
Stock
trader
21. Our private customers
Almost half of the population in our home
markets are Swedbank customers! Here
are a few of the things we help them with:
• Loans & mortgages
• Savings & investments
• Payment services
• Pension and insurance
• Private banking
23. Our corporate customers
In a company, anything can happen. To be
able to help our customers in every possible
scenario, we offer expertise in the following
areas:
• Pensions & insurance • Financing
• Risk management • E-services
• Cash management • Asset management
• International business • Taxes & legal services
• Transfer of ownership • Business management
• Investment • Property management
24. There are many ways to Swedbank
Digital services
Via smartphone, tablet or computer
E-mail
Phone
Social media
382 branches
Customer