We will provide cutting edge and innovative products and services in response to technology development and the changing needs of Hot Girls - Peter Mann - Hot Girls clients. I am convinced that this will help us welcome more clients and increase their satisfaction levels. This approach underpins further growth of the Group in key areas of focus.
About us 1. Who we are We want to be the preferred bank for our clients. We ensure top quality of our services and make them broadly available. We have been present in the Polish market since We enjoy the position of one of the largest all - round banks in Poland.
We render services to both retail clients and business entities. As at yearend, we operated through branches and 66 ING Ex press points. We also offer modern online and mobile banking systems. Our head offices in Warsaw and Katowice are our organisational hubs.
This is where we take the Keep The Secret (Talla 2XLC Remix) - Dune Feat.
Vanessa - Keep The Secret important decisions co ncerning the operations of our b ank. The Management Board and S upervisory Board are seated there as well. As at the end of Decemberas a Group we employed over 8, people. We are empowering our clients to make accurate financial decisions. Delivery of our strategy is supported by our strong brand. We are the second most recognisable banking bran d in Poland.
We continue the path taken for the ING brand. We are a diff erentiating employer which was attested several times with the Top Employers and Top Employers Europe certificates.
In their work, employees demonstrate professionalism, reliability and top expertise. Bank shares have been quoted on the Warsaw Stock Exchange since Since the very index formation Septemberwe have been among the WIG30 companies. We are a trusted partner for our stakeholders. It means that every single person can co -own it by acquiring shares on the Warsaw Stock Exchange.
The other shares As a Group, for 29 business years, we have managed to establ ish our position among the top financial institutions in Poland. We are number five as far as the balance sheet total is concerned over PLN billion as at yearend and number five as far as the commercial balance is considered the sum of loans an d deposits. Changes in the Group structure — Solver Sp.
In consequence, the s hareholder ING fo r Children Foundation and the c ompany signed the agreement to transfer The shares were redeemed against payment upon completion of the procedure notifying the creditors of share capital reduction, as referred to in Article of the Commercial Companies and Partnerships Code.
The restructuring process for the acquisition of Bieszczadzka SKOK will be supported by the Bank Guarantee Fu nd via a subsidy and a guarantee of covering credit losses.
Changes in the Group structure — Twisto Polska Sp. This fact was registered in the National Court Register on 27 November The Bank was given notice of the permission on 16 January ING Commercial Finance offers factoring products. The company was incorpor ated in under the name of Handlowy Heller. Inthe c ompany served nearly 1. ING Lease Polska has been present in the market since ING Lease Polska offers all basic types of lease and a cash loan which can be used to UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę both movables being passenger cars and light -duty vehicles of up to 3. Inthe new lease production of the company totalled PLN 3.
Sincethe c ompany has been offering innovative business services beyond traditional banking. Although the c ompany was incorporated in Mayit was not running full business activity until May As far as educational activities are concerned, the company runs the edukacjagieldowa.
It is a website about investing and stock exchange, both for debuting and fully -fledged investors. Marketing activity centres aroun d financial instruments — namely ING Turbo certificates. As part of that activity, the company operates an ING Turbo help -line, administers an ingturbo. Solver Sp. Klimczoka 4. Offered products We are one of the largest all -round banks in Poland.
We are strong in the primary markets of banking services loans and deposits and banking -related products leasing and factoring.
We run business via two segments: retail banking and corporate banking. As at yearend, we served 4. We split comp anies into three groups: entrepreneurs retail segmentmid and big companies corporate segment and strategic clients corporate segment.
Our vendors Inin line with in the Procurement Policy, the supplier qualification process Pay 2 Life - Breez Evahflowin* - As He Goes On. The supplier qualification process mitigates the risk of cooperation with supp liers engaged in undesirable criminal, financial or economic practices, UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę bribery - and corruption -related practices or that are financially, socially or environmentally unsound. We classify our vendors into two groups. We implemented such an approach to facilitate the search for vendors who meet the highest qualifying criteria in selected procurement categories on the market.
Inthe number of qualified suppliers went up locally and globally. As at yearend, suppliers in the procurement area were Sugar - Singapore Sling - The Curse The Life The Blood the qualified status.
These are: observing the applicable laws in relations with the employees, including employee rights, as well as respecting personal dignity, privacy and rights of an individual. Vendors should also provide their employees with safe and harmless workplace in health terms and consider environment protection by striving for reducing environmental burden as part of their business; further, they ought to undertake actions leading to environme nt improvement.
Moreover, suppliers should observe the ban on forced labour, child labour, UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę and discrimination. Following registration on the www. Inthere were over auctions held via the platform.
Bank suppliers and clients could also use the platfo rm to support their own procurement processes. Additionally, suppliers are asked to inform us about innovations they implement or they are planning to implement in their company.
The said materials are discussed at the annual vendor performance review meeting. It was a meeting for bank representatives, suppliers and start -ups. During the event, participants spoke honestly and openl y about the difficulties they encounter in cooperation, possibilities it gives and goals that may be reached together. Good communication is the basis of finding the same denominator.
This is why, when selecting the partner, the Bank analyses financial but also non -financial aspects of that cooperation. Being the supplier relationship management leader, ING shows best practices and sets cooperati on standards.
Group Management Board Report on Operations in 14 Relationships with external parties Our operations touch many lives: customers, employees, shareholders, vendors and society at large. We are aware that expectations of our stakeholders vary. We try to balance them in our daily work. We spar e no effort UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę ensure professional and friendly communication between our bank and its both internal and external environment.
We use advanced tools to develop the best practices as regards cooperation and dialogue with stakeholders We operate with awareness of and respect for international standards — the Universal Declaration of Human Rights Pottery - Zep Tepi - Fatso the UN Global Compact.
We also apply the Good Banking Practice Principles — we ensure that all shareholders are treated equally as well as pay attention to wide information access and Stara Staza - Sejo Pitić - Srce Od Sevdaha communication with capital market participants.
When engaging in a dialogue with stakeholders, we use both: UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę parameterised tools satisfaction surveys, audits and ongoing contact during the meetings or phone calls. Clients We capture opinions and needs of our clients client voice on an ongoing UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę.
Investors and analysts We are permanently in touch with and hold quarterly meetings for the m with the Management Board when financial results are published. Group Management Board Report on Operations in 15 Media We contact the media by responding to questions on an ongoing basis or by distributing press releases or initiating meetings, for example. On the intranet, employees chat and blog with the CEO.
Employee interests and rights are represented by employee organisations — the Works Council and trade unions. The Works Council provides in formation and runs consultations on the matters of significance to the employees.
The Council has 8 members and holds cyclical meetings. We use all the tools available at the Bank on an ongoing basis — the intranet, communities sites, the Good Idea platform. We run an annual survey. Init gathered over employees. Ongoing dialogue is one of the elements that increase employee engagement in projects and local campaigns Strategic vendors Cooperation with strategic vendors is review ed on an annual basis.
What makes us stand out The harmonious development of our core activity, i. The primary source of our growth is the gradual increase in the number of clients for whom we are the primary bank. We develop our relations with them, and we want to be a relevant partner to them. Ininvariably and consistently as for over 11 years now, we considerably increased our lending and deposit portfolios.
At the same time, we managed to maintain the good quality assets and UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę soli d capital and liquidity positions. Higher number of clients and business volumes High rate of client acquisition Inwe kept the high growth rate for clients. As at the end of Decemberthe number of clients was 4. The constantly growing number of clients is the result of the activities pursued by us to foster long - term relationships with clients.
These relationships are based on the trusted brand, transparent and flexible product offer and a continuously developed modern distribution and customer service system. Group Management Board Report on Operations in 16 Lending growth Inthe lending growth rate maintaine d at a high level and settled at At the same time, the volume of loans in the Polish banking sector went up 3. We recorded a higher Narada* - Divine Emotion the sector increase in both the retail and corporate segments.
The volume of retail loans at our b ank went up by The volume of corporate loans went up 8. Our past accomplishments prove our persistence in supporting the development of the Polish economy. Sinceour credit balance has been uninterruptedly above the sector average. Overwe grew 2. This was the fourth consecutive year in which we recorded that ratio increase, while for the sector this ratio has been falling down uninterruptedly since De spite opposit e trends, for our b ank, the ratio in question proves to be very safe and still below the sector average.
As at b yearend,b current and savings accountsb represented The average for the sectorb isb Group UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę Board Report on Operations in 17 Market position consolidation As at yearend, we ranked fifth in the market, with an approximately 6. Inwe raised our market shares in retail and corporate loans to the record -high levels up to 5. Excluding FX mortgage loans from the retail loan portfolio, the market share as at yearend arrived at 7.
In the client deposit area, our market share in the corporate segment went up to 8. The share of impaired loans is clearly lower than the sector average. As at yearend, the share of impaired loans was 2. It is also visible in segment data. As at yearend, the share of impaired loans for the corporate banking segment was 3.
In the retail segment, it is driven both by better quality of the mortgage portfolio 0. We optimise and automate our operations so as to be able to attend to more and more clients with our relatively stable over time resources.
As at yearend, the number of clients per employee was As at yearend, this ratio closed withwhich means an improvement of 6. However, the value of commercial balances total deposits and loans per FTE improved by At the same time t he opposite was observed for the average on the market — ROE in the sector went down by 0. This decrease can be partially attributed to a big one -off deal in the sector in — the sale of Visa Europe shares income of PLN 2.
Our ROE adjusted for one -offs was We continue to work on our cost effectiveness. The figure is lower better than the average in the sector We offer access to intuitive online and mobile banking.
Group Management Board Report on Operations in 19 Our individual clients show higher than the market average willingness to use mobile banking solutions. They clearly make more transactions via mobile application than the average. Such conclusions may be drawn from the an alysis of the peer group of 11 banks that sent in their data for PRNews reports on the number of transactions made in the mobile banking application.
We offer our clients modern payment solutions, e. Inthey made nearly 2. This growth rate is much higher than in other 8 banks that offer BLIK. Throughoutout of all online BLIK transactions, Choosing You - Flesh For Lulu - Plastic Fantastic clients made just 6. In Q1their share went up to 7.
Cutting -edge solutions in methods of work The Bank wants to offer it s clients cutting -edge and bespoke solutions so it also needs to transform internally.
That is why, we implemented new methods of work UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę in the retail and corporate parts of our business. The first significant change is the implementation of Agile — a way of working taken from the IT sector. We did this as the first financial institution in Poland.
In the retail banking segment, Agile took effect at the beginning ofwhile in the corporate segment since mid It shortens time to market and enables fas ter reaction to the changing needs of clients and the market.
We have already implemented first solutions which were developed in the Agile model of work. These are e. For more information ab out Agile, please refer to the Chapter " Way of working " under "Agile" on page It assumes work in small, independent and interdisciplinary scrums.
Awards and distinctions Our daily efforts Red Hot Mama - Various - (Almost) Everybody Slides offering attractive products to our clients, attention to high service quality, sustainability actions and practices as we ll as outstanding commercial and financial results have been honoured with numerous awards and distinctions.
Below please find selected awards. A was also among the winners of the Institution of the Year ranking in the Best Customer Service Quality in Branches category organised by mojebankowanie.
Ethics, values an d compliance Corporate culture We have clear ethical principles and provide on -going training for our employees. We make sure that our principles are complied with. As a public trust organisation, we comply with the requirements set out by the Polish Financial Supervision Authority and the Code of Banking Ethics. Compliance with those principles is one of the fundamental employee obligations.
The Orange Code is an important element of our corporate culture. It is also The Eyes Of Truth - Enigma - The Cross Of Changes in many banking processes, e. Employees together with their supervisors Rock (2017) - Flipp - Flipp 20th Anniversary Platinum Edition the actions through which the Orange Code is being implemented.
Our values and behaviours are also part of UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę recruitment process. We raise awareness of our employees in that regard so that they could identify and counteract corruption better. We report obtaining or giving such a gift: o in relations with clients and business partners, o in relations with public officials, o in each case of obtaining or giving a gift.
We also require our vendors and business partners to comply with those rules. Anti -Bribery and Corruption Declaration. By showing examples, the training cours e teaches you how to counteract bribery and corruption and informs you how accepting and giving bribes may threaten relations with clients or business partners.
The training course was mandatory for all employees. Inno cases of bribery or corruption were identified. We combat conflicts of interest We introduced internal procedures and controls to combat conflicts of interest. We report instances of breach of law and Business Ethics Standards Employees can report suspicions of crimes and violation of Business Ethics Standards anonymously. They can also report the same by name and we ensure confidentiality and discretion as well as protection against repressive actions.
Group Management Board Report on Operations in 23 with him the necessary measures. For positively verified reports, appropriate remedial Overdue - Tree63 - The Answer To The Question preventive measures are taken.
Inthe Bank received 31 such reports. After the analysis, no material violations of law or Business Ethics Standards were declared. Corporate governance and oversight The Supervisory B oard continuously oversees our b ank operations in all fields. The Supervisory Board approves the strategy and monitors financial results.
The Chairman presides over the Supervisory Board work. The Supervisory Board is composed of seven members, including three independent members. The Manage ment Board composition is determined by the Supervisory Board. The Management Board represents the Bank before the authorities and other parties. The Management Board establishes comm ittees and projects as well as estimates and ensures the necessary resources.
It supervises delivery of commercial, operational and financial goals by individual units. Furthermore, the Management Board also decides on assuming liabilities and asset management.
How we create value Our stakeholders expect us to keep them informed not only about the results, but also about the development perspectives. The strategy, its implementation and market competition ar e the most important topics indicated in the report survey made among Bank stakeholders. We understand this expectation. A careful analysis of the macroeconomic and social environment in the short - and mid -terms allows us to take apt business decisions.
We UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę strive after the solutions that will Feel The Night (Vocal Version) - Ben de Gedig - Feel The Night (File) of maximum benefit both to the Bank clients and its shareholders.
We listen attentively to the voice of a wide group of stakeholders. The topics that are the most crucial for Overdue - Tree63 - The Answer To The Question underpin our social responsibility strategy.
We adopt a multi -faceted approach to our role in creating the value for the community. We go beyond the usability of banking products a nd services.
People are our most important asset. We engage our resources in developing competence and building work environment that fosters innovativeness. The results of our actions translate into unique customer experience, safety and development persp ectives. In the case of our shareholders, we focus on delivering stable and predictable financial results. We also ensure that our contribution to the economic and social environment is long -lasting and positive.
They are of material significance for the future development strategy of the Bank. They translate directly into profita bility of banks. The volume increase by PLN Liabilities to local government institutions and the Social Insurance Fund augmented by 9. Further, the growth rate was also UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę by the natural amortisation of the CHF portfolio that dropped 8.
The portfolio of PLN housing loans grew by Upon excluding the Plainsong - Fad Gadget - Under The Flag rate effect, the housing loans portfolio went up by approximately 3.
Other retail loans, consumer credits included, rose by 7. Rec eivables from enterprises rose by PLN Economists estimate that the deposits growth rate in the sector will arrive at 4. The growth rate of loans in is to accelerate up to 7. Retail loans will accelerate to 5. Assets quality As regards assets quality in Decemberthe share of impaired receivables in total receivables was 5.
The improved portfolio quality was reported primarily for receivables from institutional clients, where the share of impaired receivables materially went down for anoth er consecutive year, by 70 b. Group Management Board Report on Operations in 26 by 5 b. It was mainly driven by a growing share of impaired non -housing retail loans i.
Inthe quality of other retail loans also improved by 8 b. Financial results The overall condition of the b anking sector in was good. This can be attributed to the accelerating growth rate of the Polish economy, solid data from the labour market and a stable situation in the financial market. The trend of headcount streamlining continued in the banking sec tor, as well as of reducing the number of branches.
Inthe net financial result of the banking sector went down by 2. It results however from one -off events inwhich disrupted the comparability of results versus The reported result before tax of PLN Upon excluding one -off events, the comparable result before tax close d at PLN Inthe UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę before tax of the banking sector arrived at PLN The result before tax augmentedbecause the comparable total income grew at a faster pace 7. The active portfolio of lease agreements totalled PLN For comparison, the value of investment loans extended by the banking sector stood at PLN T hese figures confirm that in terms of value, leasing is the second biggest funding source for investment undertakings in Poland after investment loans.
Vehicles weighing up to 3. The funds granted in that leasing category totalled PLN Passenger cars were the main turnover driver in that segment The segment of machines and equipment IT included reporte d a The total value of the machines financed reached PLN Source: UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę Leasing Association Factoring Inthe turnover of the factoring companies belonging to the Polish UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę Association multiplied by The most popular funding form chosen by companies was non -recourse factoring; its turnover in reached over PLN billion and the growth UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę of The number of clients of companies in the Polish Factors Association was 9, following a growth of Sector -wise, the UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę volumes of receivables were entrusted to factoring companies by production and distribution companies Its operations were fostered by a good situation on global financial markets.
In the United States, capital markets reached historically highest maximums while in Europe only Moscow Exchange closed the year below its result. In Poland, the economic growth was the fastest since The amount of foreign trades was close to balance and better than budgeted.
Along with risi ng wages and employment, it had a positive impact on the Warsaw Stock Exchange. Inthe WIG broad market index went up Meanwhile, in the very same period the alternative m arket NC Index went up by 9. The volume of trades on the main floor reached PLN Less impressive growth up by 7. In the UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę of the number of WSE -listed companies, was the first year when more companies were delisted 20 than newly listed on the main floor As at yearend, com panies were listed on the main floor, 5 less from the year before.
Their total capitalisation went up to PLN 1. A higher number of Initial Public Offerings was reported for the NewConnect market with 19 debuts in The worth of listed issues on the Catalyst market rose by Group Management Board Report on Operations in 28 Favourable market conditions fostered non - dedicated funds and as at yearend the assets accumulated therein totalled PLN UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę change can be largely contributed to the net inflow of funds PLN Funds accumulated in dedicated funds shrank to PLN Clients of non -dedicated funds were most eager to deposit their cash in funds with a relatively low risk profile.
The most popular category were money market funds Debt funds came next They were followed by mixed funds forming This was triggered by the bull market on the WSE. On the other hand, the balance of payments and withdrawals was negative for another year in a row. Inonly P LN 3. In consequence, the monthly average value of transferred fu nds rose from PLN 0. Despite former announcements, there was no reform of UNIT XII: Dialog A - Ex.
A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę open -end pension funds system in The new standard came into force on 1 January We took a decision to apply it retrospectively for classification, valuation and impairment through the adjustment of the opening balance sheet as at 1 Januarywithout adjusting the comparative periods.
It applies both to assets and liabilities, still the biggest change concerns assets. After such an UNIT XII: Dialog A - Ex. A-1 - Unknown Artist - American English For Poles (Kurs Audiowizualny - Czę i. Impairment of financial assets Application of IFRS 9 will have a material impact on the impairment loss estimation methodology for the portfolio of financial assets measured at amortized cost and at fair value through other comprehensive income. The new methodology is based on the forw ard -looking expected credit loss concept.
It also takes account of different macroeconomic scenarios with a fixed probability of their materialisation. The expected loss for those assets is computed in the lifetime perspective. Apart from the 3 -stage classification, there is a separate, independent category of POCI financial assets. This category embraces financial assets purchased or originated credit impaired.
These items are measured at fair value and the expected loss is calculated throughout their lifetime. We esti mate the figure to arrive at PLN We estimate that the total negative impact on Tier 1 ratio will be 33 b. Group on page Modification Deadly Handsome Man - Marcy Playground - MP3 regulations concerning the banking sector The table below presents the key amendments to the banking sector regu lations.
For the corporate income tax, tax shall not be collected on the income being equivalent to written off credit liabiliti es, starting from the portion of principal where abandoning of the CIT collection begins under the said regulation.
The solution Extraños Aparatos - Randomize - ¿Como Se Divertirán Los Insectos? to apply to the CIT taxpayers licensed to grant loans under other acts.
Recommendation C on concentration risk management 1 January The PFSA recommendation supplements and expands on the issues of concentration risk management at banks. The amendment extends the disclosure duties towards consumers concerning, inter alia, the fees charged under the acco unt -related services.
The new provisions also set out the principles of consumer access to the so -called primary account and the principles of moving the consumer payment accounts. The provisions of the regulation define a detailed manner of functioning of the risk management system and internal control system at banks.
The regulation also covers a detailed scope of the remuneration pol icy and its determination mode as well as a detailed manner of internal capital quantification. The Act concerns, among others, the audit committee responsibilities in public interest entities which also covers banks and the relationships with auditing firms authorised to audit financial statements.
Act on Mortgage Loans and Supervision over Mortgage Loan Brokers and Agents of Caballero - Arabesque - Twin Best Disc 2 March 22 July concerns the majority of provisions The Act sets out the principles and mode of concluding the mortgage loan agreements.
The new provisions regulate the rights and duties of lenders and borrowers, mortgage loan brokers and agents. They cover the information disclosed prior to concluding a mortgage loan agreement and the procedure in the course of the agreement. Recommendation H concerning internal control system at banks 31 December The Recommendation is a collection of good practices as regards the internal control system at banks which expand on the current laws.
Regulation EU No. It covers, for example, mutual funds, structured deposits combination of bank deposits with investment solutions and insurance policies with an investment element.
The Directive needs to be implemented into Polish law. The European Union provisions impose the duties relating to, inter alia, investor protection and market transparency on the financial market entities. The Act on amending certain acts to prevent the use of the financial sector for tax frau ds of 24 November Most of the provisions of the Act took effect on 13 January The Act specifies transition periods for the banks to adapt to the new duties. The Act provides for the Head of the National Revenue Administration analysing the risk of the banks being used to commit tax crimes.
To that end, he or she will use the analysis prepared by the National Clearing House which will determine in its ICT syste m the risk ratios on the basis of the data obtained from banks and credit unions. The General Data Protection Regulation constitutes a new, comprehensive regulation pertaining to the processing of the personal data of natural persons by entrepreneur s. The new provisions set out the principles of personal data protection, the rights of data subjects, the duties of the controller and the processor as well as the competence of regulators.
The regulation creates the duty to report incidents and infringem ent upon personal data protection to supervisory bodies. Group Management Board Report on Operations in 34 The Act of on amendment to the Value -Added Tax Law and certain other acts of 15 December 1 July The amendment introduces the so -called split payment mechanism for the Value -Added Tax Und er the solution, the payment for the goods or services purchased is made in such a way that the payment corresponding to the net sales value is remitted by the buyer to the clearing account or it is settled differently, while the rest of the payment being the VAT amount is remitted to a dedicated bank account — i.
VAT account. The Act covers the duties of the insurance distributing entities. It provides for, in particular, the disclosure duties towards clients, an adequate remunerat ion system and training duties. The provisions of the directive introduce, among others, the duty to use the so -called strong user authentication mechanism by payment services providers. Moreover, the distrib ution of the responsibility between banks and users for unauthorised payment transactions will be changed.
The Recommendation Z on the Looking For A U.F.O - Adrian Belew - Young Lions governance principles at banks The PFSA draft recommendation is a collection of good practices as regards the internal governance principles.
Internal governance includes but is not limited to the bank management system, bank organisation, operating mode, rights, duties and responsibility as well as mutual relations between the supervisory board, management board and key function holders at a bank.
Group Management Board Report on Operations in 35 The capital conservation buffer was instituted in under the Act on macr oprudential supervision over the financial system and crisis management in the financial system. In -it was 1. Currently, it features 12 banks 10 commercial banks and 2 cooperative banks.
These institutions were charged with a capital add -on both at the consolidated and stand -alone levels. Five commercial banks were assigned a buffer of 0.
The systemic risk buffer has been effective since 1 January It was introduced by the Regulation of the Minister for Economic Development and Finance on systemic risk buffer of 1 September Institutions with material exposure need to meet a higher capital requirement separately at the consolidated level and separate level.
Ongoing restructuring of the credit unions SKOK and cooperative banks sector Ensuring the security of deposits built up within the banking sector in a broad sense has been invariably one of the pr iorities of both the sector and sector regulators. What is important, not only in the eyes of clients but also in keeping with Polish law.
They are all covered by uniform Bank Guarantee Fund guarantees. Intheir number went down by six to a total of 35 credit uni ons as at yearend. Four of them filed for bankruptcy, which entailed the necessity to pay out approximately PLN million worth of guarantees by the BGF. In other three credit unions, the compulsory administration was still operat ing. As regards cooperative banks, their number over dropped by 5 banks to as at yearend.
The restructuring of these five cooperative banks was conducted within the sector — they were all taken over by other cooperative banks. The GDP growth accelerated from 2. The impact of the latter proved stronger and more sustained than the expectations. Investment projects rebounded markedly only in H2 and notably in Q4 up by This was due to the finalisation of investment projects in the power sect or and outlays on road and local government infrastructure.
Company investments also went up in that period, as proven by higher loans awarded to businesses. Economists at our b ank expect a growth of GDP in to rema in elevated 4. To a lesser extent, it will be driven by consumption and to a larger extent by investment. It will be boosted by the accelerated absorption of EU funds and rebound in private investment output capacity of companies is close to zero. Investment projects co -financed with the EU will reach high nominal levels rebound of their dynamics in is rather caused by the low base effect from I saw a school of zumba on Maizie Court Sequim Clallam.
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