9. Thüringer Außenwirtschaftstag

Size: px
Start display at page:

Download "9. Thüringer Außenwirtschaftstag"

Transcription

1 9. Thüringer Außenwirtschaftstag 12. November 2015 Anke Bülow und Carsten Gnoth Business & Corporate Banking Sachsen, Sachsen-Anhalt, Thüringen

2 WF JPM HSBC BAML SAN Citi Lloyds BNP Credit Suisse DB UniCredit SocGen CoBa Banco Santander: one of the world s leading banks 2 Founded in 1857 regional bank since 1985 No. 6 in Spain No. 152 worldwide Today: global bank No. 1 in the Eurozone 1 No. 1 in Latin America 2 Key figures S&P Moody s Fitch A- A3 A- As of: 10/2015 Ranking by market capitalisation in billion Government support Without government support Santander (without government support) Total assets Net profit 1,339 billion 5,816 million Employees 190,262 Branches 12,910 Customers As of: 08/ million Sources: company data, finanzen.net on 15/10/ By market capitalisation. 2 By total assets.

3 Santander core markets Think globally, act locally 3 USA Market share 3 % Branches 783 GB 4 Market share 5 11 % Branches 901 Market share³ 14 % Branches 329 Mexico Market share 14 % Branches 1,356 Brazil Market share 1 12 % Branches 3,449 Portugal 4 Market share 1 11 % Branches 576 Spain 4 Market share 1 14 % Branches 3,490 Poland 2, 4 Market share 1 9 % Branches 770 Chile Market share 1 19 % Branches 479 Argentina Market share 1 9 % Branches 411 Source: Banco Santander, as of 08/ Loans. 2 Entire business, including Kredyt Bank. 3 Consumer loans. 4 Including Santander Consumer Finance business. 5 Including mortgages, unsecured personal loans and loans to SMEs.

4 Santander in Strongly positioned for you Approximately 6.3 million customers in Among the top 5 private banks in according to the number of customers Nationwide we provide competent service in more than 320 branches Market leader in goods financing, consumer loans and manufacturer-independent car and motorcycle financing Car financing, goods financing, branch business Branch banking with comprehensive advisory services, Business & Corporate Banking, universities Online Key figures 2014 Loans: Deposits: 30.9 billion 25.1 billion Cardealers: 21,000 Goods dealers: 31,000 Branches: 329 Employees: 5,453 Annual result: 110 million Business & Corporate Banking Expertise for your business Nationwide corporate business Sustainable business relationships in accordance with the core competencies of Santander as one of the leading commercial banks in the world International support in our core markets through Santander International Desk 4

5 Mexico at a glance Mexico has a free market economy in the trillion dollar class 5 Economy GDP PPP (2012): $1.78 trillion USD Per capita PPP (2012): $15,600 USD International participation: NAFTA, TPP, G20, OECD, ICC, UN and commercial agreements with more than 80 countries Mexico Market share 14 % Branches 1,293 Federal Republic (32 states) Area (km 2 ): 1.96 million Land boundaries: 3,141 km with US Coastline: 9,330 km (Pacific Ocean & Gulf of Mexico) Demography Population (2013): million years: 59% Language: Spanish

6 Automotive sector in Mexico 6

7 Santander Group in Mexico 7 Santander Mexico has a strong regional presence in Mexico, covering with 9 Regional Directors and 2 specialized areas the needs of Large Corporate Clients as well as Public Sector. Bank Corporate Insitutional Northwest Zones North Relationship Managers Specialized Areas Large Corporate Public Sector Northeast +Large Corporate Metro North Metro South +Public Sector + Large Corporate Santander Group in Mexico Market share 14% Position in Mexico Top Four West Southeast Private customers: 11 million Business Customers: Central *Datta from 2014 South Branches: Employees: Profits: 660 million

8 Santander Group in Mexico 8 Commercial Banking capabilities Bank Accounts Resident accounts (USD and MXN) Non- resident accounts (only MXN) Cash Management Collections ( Referenced Collections, Direct Debit, Checks, Branches collections, PoS) Payments: Checks, Confirming, Payroll, Tax Payments Cash Pooling (local) Type of Transfers: TEF,SPEI, Book Transfer Electronic Banking Treasury Functionalities: Collections, Payments, Credits, Automatic Funding Electronic Online transfers USD and MXN Liquidity: Time deposits, Repurchase agreements, Government invoices, Money Market funds Foreign Exchange Hedge: interest rate swaps, cross-currency swaps, forwards Trade Finance Export/ Import Finance Stand-by Letters of Credit Import and Export Letter of Credit Documentary collections and payments orders Online Trade Finance Services Financing Alternatives Leasing: Financial and Operating Leasing Revolving Credit Facilities Electronic Credit: Revolving credit line pegged to a checking account. Operates through Electronic Banking Development Funds: For a company to finance its purchases to the government, guaranteed via a collection mandate Factoring Confirming (Supplier Financing) Corporate Credit Card

9 Santander Group in US 9 SANTANDER BANK, N.A. KEY FINANCIAL DATA Total Assets Total Deposits Gross Loans Net Income (YTD) Tier 1 Common Capital Ratio Customers $84.6 BILLION $57.6 BILLION $61.9 BILLION $157.1 MM 13.8% Team Members 9,825 Branches MILLION As of A separate bank with a US-based Executive Management Committee and Board of Directors. Source Data Documents: OCC Filing FFIEC 021, Federal Reserve Filing FR Y-9C

10 Santander Group in US Commercial Banking capabilities Bank Accounts Resident accounts (USD) Non-resident accounts (USD) Cash Management Collections: Lockbox Services: Wholesale, Retail, Wholesale, Specialty Branch/Money Center Vault Services Automated Clearing House (ACH)/Electronic Data Interchange (EDI) Wire Transfers Sovereign Merchant Services Deposit Reconciliation Payments: Wire Transfers/Automated Clearing House (ACH) Check Printing Integrated Payables American Express Purchasing Cards Controlled Disbursement Zero Balance Account (ZBA) Positive Pay: Standard, Teller, Payee, Reverse Account Reconciliation Programs CD-ROM Check Imaging estatements Electronic Banking (IRIS) Domestic, international and FX wire transfers Tax payments ACH debits and credits Stop payments Previous Day account information available Direct transmission options for ACH and Wire payments and Positive Pay Issue files Treasury Liquidity: Money Market Demand Deposit Accounts, Overnight Sweep Investment Accounts Foreign exchange Credit Trade Finance Supply Chain Finance Equipment Leasing ExIm and SBA programs 10

11 Santander International Desk Your network for business success abroad 11 Your local Santander corporate customer advisor Support for your business (such as subsidiaries) with bank products and services in the Santander core markets. Local contacts and intermediaries Support for your existing business abroad as well as for the creation of new subsidiaries. A large network of third partners, including local accountants and lawyers, embassies and chambers of commerce, are available through your International Desk team.

12 Santander Trade Portal & Club International Business Added Value for our Customers 12 Your Benefits Facilitates the search of potential business partners (suppliers, clients) Industry wide research, market information for roughly 180 countries Customs and updated information about Inconterms Webinar client events about relevant topics (e.g. how to establish abroad, quality controls in China, market update on Brazil, etc.)

13 Santander Trade Portal & Club International Business Added Value for our Customers 13

14 Santander Bank Zweigniederlassung von Santander Consumer Bank AG Santander-Platz Mönchengladbach santanderbank.de

IAA 2015 Santander Support to the Automotive Sector in Mexico

IAA 2015 Santander Support to the Automotive Sector in Mexico IAA 2015 Santander Support to the Automotive Sector in Mexico September 2015 Santander Group: one of the world s leading banks 2 Founded in 1857 regional bank since 1985 No. 6 in Spain No. 152 worldwide

More information

COMPANY PRODUCTS AND SERVICES

COMPANY PRODUCTS AND SERVICES COMPANY PRODUCTS AND SERVICES THE WORLD IS WAITING. 1 1 Santander Group. With more than 150 years in the business, Santander has become one of the world's largest financial groups. This has been based

More information

How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell

How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell Case Study - 2012 How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell Is it possible to increase client relationship efficiency and revenue by collect, analyze

More information

COMMERCIAL AND SMALL BUSINESS PRODUCTS AND SERVICES COMMERCIAL AND SMALL BUSINESS DEPOSITS

COMMERCIAL AND SMALL BUSINESS PRODUCTS AND SERVICES COMMERCIAL AND SMALL BUSINESS DEPOSITS COMMERCIAL AND SMALL BUSINESS PRODUCTS AND SERVICES COMMERCIAL AND SMALL BUSINESS DEPOSITS Money Market Checking Sweep Accounts A checking account for businesses that want to earn current money market

More information

Asia Market Intelligence Thailand

Asia Market Intelligence Thailand Asia Market Intelligence Thailand Presence HSBC s history in Thailand dates back to 1865, when the Bank appointed an agent in Bangkok. In 1888, a representative office opened in Bangkok, becoming the first

More information

Evolving Business Models and Capital Markets Contexts:

Evolving Business Models and Capital Markets Contexts: Evolving Business Models and Capital Markets Contexts: The Santander Model May 2012 José Antonio Álvarez CFO Grupo Santander Santander: key figures 2 Highlights Total Assets (EUR trillion) 1.25 Headcount

More information

Renminbi (RMB) corporate and treasury services in London

Renminbi (RMB) corporate and treasury services in London Renminbi (RMB) corporate and treasury services in London City of London RENMINBI SERIES London offers an extensive range of RMB corporate banking services including: o Corporate accounts; o Term deposits;

More information

How to CASH MANAGEMENT in Brazil

How to CASH MANAGEMENT in Brazil How to CASH MANAGEMENT in Brazil American Chamber of Commerce for Brazil AMCHAM International Affairs Department Brazil, 2010 FINANCE ACKNOWLEDGMENTS Santander has built its own business model, which is

More information

COMERICA BANK Technology & Life Sciences Division

COMERICA BANK Technology & Life Sciences Division COMERICA BANK Technology & Life Sciences Division Comerica Bank Overview Founded in 1849, Headquartered in Dallas, TX Publicly traded on NYSE: CMA $59.3 billion in total assets as of December 31, 2009

More information

United Kingdom. From: OECD Banking Statistics: Methodological Country Notes 2010

United Kingdom. From: OECD Banking Statistics: Methodological Country Notes 2010 From: OECD Banking Statistics: Methodological Country Notes 2010 Access the complete publication at: http://dx.doi.org/10.1787/9789264089907-en United Kingdom Please cite this chapter as: OECD (2011),

More information

Dealer. Línea Integral Autos Car Line Program. Autos (LIA): Línea Integral. The Wholesale Plan: The Retail Plan: Inventory 0 % Inventory Sales

Dealer. Línea Integral Autos Car Line Program. Autos (LIA): Línea Integral. The Wholesale Plan: The Retail Plan: Inventory 0 % Inventory Sales Automotive Sector Introduction Grupo Bancolombia is the financial partner for the Automotive Sector in Colombia and has a comprehensive portfolio designed according to your needs and those of agents that

More information

2005 New York Broker dealer. Diversification of portfolio. 2007 Expansion of Investment Bank, payroll loan and credit cards. Shareholder base 2

2005 New York Broker dealer. Diversification of portfolio. 2007 Expansion of Investment Bank, payroll loan and credit cards. Shareholder base 2 OVERVIEW - History 1 1991 Beginning of operations as a multiple bank 2002 Nassau Branch 2005 New York Broker dealer 2009 Beginning of strategic partnership with 2015 Promotiva S.A. (payroll loans origination

More information

Warsaw, January 14 th 2015

Warsaw, January 14 th 2015 Warsaw, January 14 th 2015 1 Index 2 Santander at a glance. 3-7 Santander Recovery Plan. Project and general content. Santander Recovery Plan. Some relevant elements. 2-3 9-11 4-6 13-18 Open questions

More information

How to OBTAIN FINANCING in Brazil

How to OBTAIN FINANCING in Brazil How to OBTAIN FINANCING in Brazil American Chamber of Commerce for Brazil AMCHAM International Affairs Department Brazil, 2010 FINANCE ACKNOWLEDGMENTS Santander has built its own business model, which

More information

Putting You and Your Business First

Putting You and Your Business First Putting You and Your Business First A guide to your new business accounts and services FirstMerit puts you and your business first. FirstMerit can make a true difference when it comes to helping you build

More information

THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED INTEGRATED BANKING SOLUTIONS. DATE: 09 Feb 2011

THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED INTEGRATED BANKING SOLUTIONS. DATE: 09 Feb 2011 THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED INTEGRATED BANKING SOLUTIONS DATE: 09 Feb 2011 Coverage HSBC India Overview Section 1 Corporate Banking Solutions Factoring and Open Account Finance

More information

Or What makes Canadian Banking different?

Or What makes Canadian Banking different? CANADIAN BANKING Sharing a Border Or What makes Canadian Banking different? Ray Kohler Senior Relationship Manager, US Markets RBC Royal Bank 1 Agenda Understand the basic differences between Canadian

More information

Javier San Félix. The Rise of Emerging Market. What are the implications for financial stability? WB / IMF/ FED, June 7 th 2013

Javier San Félix. The Rise of Emerging Market. What are the implications for financial stability? WB / IMF/ FED, June 7 th 2013 Javier San Félix Head Banco Santander America Division The Rise of Emerging Market Financial Institutions: What are the implications for financial stability? WB / IMF/ FED, June 7 th 2013 2 Emerging countries

More information

CHAPTER 9: BANKING DOING BUSINESS IN GREATER PHOENIX, U.S.A. 9.1: THE U.S. BANKING SYSTEM 9.2: ESTABLISHING A U.S. BANK ACCOUNT

CHAPTER 9: BANKING DOING BUSINESS IN GREATER PHOENIX, U.S.A. 9.1: THE U.S. BANKING SYSTEM 9.2: ESTABLISHING A U.S. BANK ACCOUNT CHAPTER 9: BANKING 9.1: THE U.S. BANKING SYSTEM Unlike banks in many countries, U.S. banks are not government-owned and managed. They provide deposit facilities for the general public, provide loans for

More information

SANTANDER'S ACQUISITION OF ABBEY: BANKING ACROSS BORDERS

SANTANDER'S ACQUISITION OF ABBEY: BANKING ACROSS BORDERS December 7, 2011 SANTANDER'S ACQUISITION OF ABBEY: BANKING ACROSS BORDERS Caterina Buja 828410 Luca Gerotto 827794 INTRODUCTION http://youtu.be/xsx7af35tdm Monday, July 26 2004 "We are convinced Santander

More information

What Small Business Wants from Banking & Payments. Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services

What Small Business Wants from Banking & Payments. Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services What Small Business Wants from Banking & Payments Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services What Small Business Wants from Banking & Payments Research

More information

Asia Market Intelligence Singapore

Asia Market Intelligence Singapore Asia Market Intelligence Singapore Presence HSBC has 10 branches and 27 automated teller machines (ATMs) in Singapore, of which 8 are located at offsite locations. The Bank offers a comprehensive range

More information

Manufacturing. Sector

Manufacturing. Sector Manufacturing Sector Introduction Taking into account its interest in and knowledge of your business, Grupo Bancolombia*, through its subsidiaries, offers different financial solutions to industry. We

More information

Cash Management. Solutions That Fit

Cash Management. Solutions That Fit TREASURY SERVICES Cash Management Solutions That Fit TABLE OF CONTENTS The Role of Cash Management Business Cash Cycle...3 Progressive Plan Phase I Information Management & Transaction Control...4 Zero

More information

Payment Systems in the U.S. and Latin America: Contrasts and Similarities

Payment Systems in the U.S. and Latin America: Contrasts and Similarities Payment Systems in the U.S. and Latin America: Contrasts and Similarities The evolution of the payment systems in the U.S. offers some important lessons to countries in Latin America. August 1999 By Nancy

More information

SunTrust Corporate Payment Solutions. David Fuller Senior Vice President Treasury Management Services Division Manager

SunTrust Corporate Payment Solutions. David Fuller Senior Vice President Treasury Management Services Division Manager SunTrust Corporate Payment Solutions David Fuller Senior Vice President Treasury Management Services Division Manager The following should be read in conjunction with the financial statements, notes and

More information

LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815

LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815 LAKELAND AREA MASS TRANSIT DISTRICT (LAMTD) Office of Purchasing and Contracts 1212 George Jenkins Blvd, Lakeland Florida 33815 AMENDMENT OF SOLICITATION 1. SOLICITATION No. 13-024 2. AMENDMENT No. 1 3.

More information

Local incorporation in 2008 allows all branches to provide full-range People s Bank of China (PBOC)

Local incorporation in 2008 allows all branches to provide full-range People s Bank of China (PBOC) China - Factsheet Currency Renminbi (CNY) or (RMB) Why Deutsche Bank Time Zone GMT + 8 Local incorporation in 2008 allows all branches to provide full-range Central Bank People s Bank of China (PBOC) customer

More information

ADDENDUM #2 REQUEST FOR PROPOSALS 2015-165

ADDENDUM #2 REQUEST FOR PROPOSALS 2015-165 ADDENDUM #2 REQUEST FOR PROPOSALS 2015-165 Banking Services TO: FROM: CLOSING DATE: SUBJECT: All Potential Responders Angie Williams, RFP Coordinator November 13, 2015 at 3:00PM (UNCHANGED) 2015-165 RFP

More information

Presentation for Hungarian Business Seminar Eindhoven, April 15, 2010 Job den Hamer Head of Sales of European Business Desk

Presentation for Hungarian Business Seminar Eindhoven, April 15, 2010 Job den Hamer Head of Sales of European Business Desk ING Presentation for Hungarian Business Seminar Eindhoven, April 15, 2010 Job den Hamer Head of Sales of European Business Desk ING Group Dutch financial group According to Fortune Top 500 it is the 8th

More information

GFNORTE 4Q13 Results. Conference Call January 31 st, 2014.

GFNORTE 4Q13 Results. Conference Call January 31 st, 2014. GFNORTE 4Q13 Results Conference Call January 31 st, 2014. Material Events Grupo Financiero Banorte advanced the payment of ordinary dividends corresponding to the first semester of 2014. The Ordinary General

More information

Disbursement Processing Tools for Success

Disbursement Processing Tools for Success Disbursement Processing Tools for Success Alexandra ( Alex ) Keene Group Product Manager Jim Jezowski Product Sales Specialist Agenda Payment methods benefits / disadvantages Solutions to address payment

More information

The case of the Spanish Banco Santander Adrienn Fekó Research Fellow, ICEG European Center

The case of the Spanish Banco Santander Adrienn Fekó Research Fellow, ICEG European Center Budapest, 30 May 2011 Workshop: Policies in Support of Service Innovation The case of the Spanish Banco Santander Adrienn Fekó Research Fellow, ICEG European Center Company profile Established in 1857

More information

Effective MAY 2, 2016. Customer Fee Guide

Effective MAY 2, 2016. Customer Fee Guide Effective MAY 2, 2016 Customer Fee Guide Customer Fee Guide Business Services Contents Day-to-Day Banking Services Business Services Current Accounts Payroll Services Bills for Collection Letter of Credit

More information

Overview. Develop a Strategy to Reach Hispanic Business Owners 6/23/2014. Hispanic business in the U.S. Needs of businesses Credit union opportunities

Overview. Develop a Strategy to Reach Hispanic Business Owners 6/23/2014. Hispanic business in the U.S. Needs of businesses Credit union opportunities Develop a Strategy to Reach Hispanic Business Owners Anna Peña, Client Relations Manager Date: 6/17/2014 Overview Hispanic business in the U.S. Needs of businesses Credit union opportunities 1 Target Market

More information

The Bank of New York Mellon is Open For Business.

The Bank of New York Mellon is Open For Business. TREASURY SERVICES The Bank of New York Mellon is Open For Business. Merger Spawns New Platform for Enhanced Treasury Services. Sponsored supplement to Treasury & Risk magazine The Bank of New York Mellon

More information

33/81/ 139 240/196/ 128/128/ 128 70/133/ 210 245/218/ 101 1st Quarter 157/190/ 2013 231 249/231/ 157 218/231/ 246

33/81/ 139 240/196/ 128/128/ 128 70/133/ 210 245/218/ 101 1st Quarter 157/190/ 2013 231 249/231/ 157 218/231/ 246 1 st Quarter 2013 1 Disclaimer This presentation may include references and statements, planned synergies, estimates, projections of results, and future strategy for Banco do Brasil, it s Associated and

More information

Canada. From: OECD Banking Statistics: Methodological Country Notes 2010

Canada. From: OECD Banking Statistics: Methodological Country Notes 2010 From: OECD Banking Statistics: Methodological Country Notes 2010 Access the complete publication at: http://dx.doi.org/10.1787/9789264089907-en Please cite this chapter as: OECD (2011),, in OECD Banking

More information

FIRST HALF 2015 RESULTS Santander made ordinary profit of EUR 3.426 billion, a 24% increase

FIRST HALF 2015 RESULTS Santander made ordinary profit of EUR 3.426 billion, a 24% increase FIRST HALF 2015 RESULTS Santander made ordinary profit of EUR 3.426 billion, a 24% increase PRESS RELEASE The first half results show the soundness and consistency of Banco Santander s business model.

More information

The Mexican Economy: Facts and Opportunities

The Mexican Economy: Facts and Opportunities Manuel Sánchez Santander Global Fixed Income Summit London, England, September 20, 2012 Contents 1 Structural features 2 Recent developments and outlook 3 Inflation and monetary policy 4 Economic challenges

More information

José González de Castejón (787) 759-9094 Ana Calvo de Luis (212) 350-3903 Margie Alvarez (787) 250-3025

José González de Castejón (787) 759-9094 Ana Calvo de Luis (212) 350-3903 Margie Alvarez (787) 250-3025 Santander BanCorp Press release For more information contact: Puerto Rico New York José González de Castejón (787) 759-9094 Ana Calvo de Luis (212) 350-3903 Margie Alvarez (787) 250-3025 SANTANDER BANCORP

More information

2 Annual data reflecting National Income and Product

2 Annual data reflecting National Income and Product Table 1 Basic statistical data Population (thousands) 1 291,289 294,056 296,940 299,801 302,045 GDP (USD billions) 2 10,960.8 11,685.9 12,421.9 13,178.4 13,807.5 GDP per capita (USD) 37,629 39,740 41,833

More information

Gerry Byrne Country Head Poland

Gerry Byrne Country Head Poland Gerry Byrne Country Head Poland Bank Zachodni WBK S.A. ( BZ WBK ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking statements. These forward-looking

More information

Santander Asset Management Focus on LATAM. Sao Paulo, May 2011

Santander Asset Management Focus on LATAM. Sao Paulo, May 2011 Santander Asset Management Focus on LATAM Sao Paulo, May 2011 2 Santander Asset Management advise that this presentation contains representations regarding forecasts and estimates. Said forecasts and estimates

More information

BBVA Cédulas Territoriales

BBVA Cédulas Territoriales BBVA Cédulas Territoriales Investor presentation July 2007 Disclaimer This document is only provided for information purposes and does not constitute, nor must it be interpreted as, an offer to sell or

More information

Doing Business in Australia Breakfast Seminar

Doing Business in Australia Breakfast Seminar Doing Business in Australia Breakfast Seminar George Hoffman Senior Vice President, PNC International Advisory December 4, 2015 Why are the Kangaroo and Emu on the Australian Coat of Arms? A. Because Dingos

More information

Guidelines for Preparing an Error-Free Call Report: FFIEC 002 Common Reporting Errors

Guidelines for Preparing an Error-Free Call Report: FFIEC 002 Common Reporting Errors Guidelines for Preparing an Error-Free Call Report: FFIEC 002 Federal Reserve Bank of New York Updated by: Susan Jessop December, 2002 Guidelines for Preparing an Error-Free Call Report (For FFIEC 002

More information

Hysan Development is a real estate investment, management and development company based

Hysan Development is a real estate investment, management and development company based Financial Risk Management in a Hong Kong Corporate Treasury Hysan s investment property portfolio in Hong Kong comprises over four million square feet of high-quality office, retail and residential space.

More information

Sixty years of sustainable rythm in the Turkish economy. Investor Presentation 2009

Sixty years of sustainable rythm in the Turkish economy. Investor Presentation 2009 Sixty years of sustainable rythm in the Turkish economy Investor Presentation 2009 @ a Glance Ownership 42% İs Bank 50.1% Vakif Bank Free Float 8% Credit Ratings (Jan 2010) Fitch LTFC Moody s LTFC BB+

More information

The Key to Mobility. Creating Value with Financial Services. Fixed Income Investor Update - December 2010. Volkswagen Financial Services AG

The Key to Mobility. Creating Value with Financial Services. Fixed Income Investor Update - December 2010. Volkswagen Financial Services AG The Key to Mobility Creating Value with Financial Services Fixed Income Investor Update - December 2010 Bernd Bode Head of Group Treasury and Investor Relations Volkswagen Financial Services Nils Allnoch

More information

Business Checking & Savings Options

Business Checking & Savings Options Business Checking & Savings Options Solutions for businesses of all sizes and types Smart, Tailored Solutions Select the business banking package, stand-alone checking, or savings account that best fits

More information

PRESS RELEASE. RESULTS 2014 Santander grows business in all markets and makes a profit of EUR 5.816 billion in 2014

PRESS RELEASE. RESULTS 2014 Santander grows business in all markets and makes a profit of EUR 5.816 billion in 2014 RESULTS 2014 Santander grows business in all markets and makes a profit of EUR 5.816 billion in 2014 In 2014, Santander continued to support its clients, growing loans by 5%. We did it with a sustained

More information

Business Deposit Accounts Fee and Information Schedule

Business Deposit Accounts Fee and Information Schedule Business Deposit Accounts Fee and Information Schedule June 1, 2015 Contact Us www.bankbac.com Customer Service Department (877) 226-5820 Monday-Friday: 8am - 6pm Saturday 9am -12pm BAC Community Bank

More information

BBVA Compass. Giampaolo Consigliere, Head International Commercial Banking. Washington, DC - March, 19 th

BBVA Compass. Giampaolo Consigliere, Head International Commercial Banking. Washington, DC - March, 19 th BBVA Compass Giampaolo Consigliere, Head International Commercial Banking Washington, DC - March, 19 th 1 Banco Bilbao Vizcaya Starting from Strong Foundation Argentaria Banco Hipotecario, 1872 Banco de

More information

GFNORTE 3Q14 Results. Conference Call October 24, 2014.

GFNORTE 3Q14 Results. Conference Call October 24, 2014. GFNORTE 3Q14 Results Conference Call October 24, 2014. Material Events Shareholders' Assembly GFNorte held an Ordinary General Shareholders' Meeting on October 22 nd. The company s capital that was represented

More information

A smart bridge to cross

A smart bridge to cross A smart bridge to cross T R EA S URY MANAGEMENT Our approach to Treasury Management Consulting for Solutions With multiple options available for making payments and expediting collections, Bridge Bank

More information

PRESS RELEASE. Loyal customers grew by 1.2 million, to 13.8 million, and digitally active customers by 2.5 million, to 16.6 million.

PRESS RELEASE. Loyal customers grew by 1.2 million, to 13.8 million, and digitally active customers by 2.5 million, to 16.6 million. 2015 RESULTS Banco Santander delivers on its targets and earns EUR 5.966 million (+3%), with strong underlying performance of 13% based on increasing customer satisfaction and loyalty PRESS RELEASE In

More information

Healthcare Banking 101. Donald Kohlhafer Senior Client Manager Bank of America Merrill Lynch December 4, 2014

Healthcare Banking 101. Donald Kohlhafer Senior Client Manager Bank of America Merrill Lynch December 4, 2014 Healthcare Banking 101 Donald Kohlhafer Senior Client Manager Bank of America Merrill Lynch December 4, 2014 Treasury Management Revenue Cycle Management Liquidity Management and Funds Investment Disbursement

More information

List of Services and Hours of Operation

List of Services and Hours of Operation List of Services and Hours of Operation Description of Products and Services Mechanics Bank offers checking, savings, and loan products in the following lines of business. A breakdown of the services in

More information

Commercial Financial Services: Industry Specialization and Solutions for Working Capital Issues. October 6 th, 2014

Commercial Financial Services: Industry Specialization and Solutions for Working Capital Issues. October 6 th, 2014 Commercial Financial Services: Industry Specialization and Solutions for Working Capital Issues October 6 th, 2014 Who we are: Vision Always earning the right to be our clients' first choice. Strategic

More information

Volkswagen Financial Services

Volkswagen Financial Services Volkswagen International Investor Conference Teach in: 10 March 2004 Dr Jens Neumann Mr Hans Dieter Pötsch Members of Group Board of Management Page 1 Volkswagen worldwide North American Region Mexico

More information

Export Credit and Finance Essentials For Successful Exporters

Export Credit and Finance Essentials For Successful Exporters International Trade Leadership Certificate Series Export Credit and Finance Essentials For Successful Exporters July 17, 2015 1 Alabama Small Business Development Center Network An affiliate of America

More information

HSBC UAE Corporate Tariff and Charges

HSBC UAE Corporate Tariff and Charges HSBC UAE Corporate Tariff and Charges Issued by HSBC Bank Middle East Limited, P.O. Box 66, Dubai, UAE. Regulated by the Jersey Financial Services Commission and the Central Bank of the United Arab Emirates.

More information

Foreign Direct Investment in the United States. Organization for International Investment

Foreign Direct Investment in the United States. Organization for International Investment Foreign Direct Investment in the United States Organization for International Investment March 18, 2009 Key Findings FOREIGN DIRECT INVESTMENT IN THE UNITED STATES Foreign Direct Investment in the United

More information

Volkswagen Financial Services AG

Volkswagen Financial Services AG Volkswagen Financial Services AG Klaus-Dieter Schürmann Member of the Board of Management Morgan Stanley 7 th Annual European Automotive Conference 29 June 2004 2 Volkswagen Financial Services AG Introduction

More information

Ángel Rivera Head of Retail & Commercial Banking

Ángel Rivera Head of Retail & Commercial Banking Ángel Rivera Head of Retail & Commercial Banking Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various

More information

Export Transactions. Finance and Risk

Export Transactions. Finance and Risk Export Transactions Finance and Risk Table of Contents Export Finance Export Finance Methods Pre-Export Export Finance Methods Post-Export Structured Commodity Finance Export Risk Forms of Export Risk

More information

Liquidity management with clockwork precision

Liquidity management with clockwork precision Liquidity management with clockwork precision Cash management and payments Corporate Banking Efficient management of accounts and cash flows Professional management of accounts and cash flows is a key

More information

Matías Rodríguez Inciarte Vice Chairman

Matías Rodríguez Inciarte Vice Chairman Matías Rodríguez Inciarte Vice Chairman Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various places

More information

HSBC Project finance. Diego Spannaus Head of Multinationals. 10 November 2015

HSBC Project finance. Diego Spannaus Head of Multinationals. 10 November 2015 HSBC Project finance Diego Spannaus Head of Multinationals 10 November 2015 November 2015 The HSBC Group A Leading International Bank Coverage HSBC Global Footprint 150 Years of history and presence Moody

More information

Factoring is emerging as a short-term financial solution for business The role of FCI

Factoring is emerging as a short-term financial solution for business The role of FCI Factoring is emerging as a short-term financial solution for business The role of FCI Daniela Bonzanini Chairman of Factor Chain International Torino, 10 June 2015 1 Factoring Spreading its Wings! GLOBAL

More information

Exhibit A to RFP-SG-107276 STATEMENT OF WORK (SOW) Banking Services

Exhibit A to RFP-SG-107276 STATEMENT OF WORK (SOW) Banking Services Exhibit A to RFP-SG-107276 STATEMENT OF WORK (SOW) Banking Services 1.0 Introduction 1.1 Purpose Colorado Springs Utilities (Utilities) is requesting proposals from interested banks for the provision of

More information

Investor Presentation. December 2014

Investor Presentation. December 2014 Investor Presentation December 2014 Contents I. UNB Introduction 1 II. UAE Economy and Banking Industry 3 III. UNB Business Overview 5 IV. Financial Highlights and Performance 11 V. Awards and Certifications

More information

GNU TUTORIAL HOW TO APPLY U.S. ACCOUNT FOR FOREIGN COMPANY FROM HOME COUNTRY

GNU TUTORIAL HOW TO APPLY U.S. ACCOUNT FOR FOREIGN COMPANY FROM HOME COUNTRY GNU TUTORIAL HOW TO APPLY U.S. ACCOUNT FOR FOREIGN COMPANY FROM HOME COUNTRY Editor: Tomáš Mandys, tomas.mandys at 2p.cz (2p plus) Home site: http://www.2p.cz Document status: Version 1.0 Version 1.1 First

More information

Slovak Republic. From: OECD Banking Statistics: Methodological Country Notes 2010

Slovak Republic. From: OECD Banking Statistics: Methodological Country Notes 2010 From: OECD Banking Statistics: Methodological Country Notes 2010 Access the complete publication at: http://dx.doi.org/10.1787/9789264089907-en Slovak Republic Please cite this chapter as: OECD (2011),

More information

Business Checking Accounts

Business Checking Accounts Business Checking Accounts FREE Business Checking This product has no minimum balance or monthly fee and is designed for small businesses with very low transaction volumes. No minimum balance No monthly

More information

Your Guide to Foreign Exchange. Strategies for managing risk and making payments worldwide.

Your Guide to Foreign Exchange. Strategies for managing risk and making payments worldwide. Your Guide to Foreign Exchange Strategies for managing risk and making payments worldwide. Contents Capitalizing on global opportunities... 1 Bringing the benefits of FX to your business... 2 Integrating

More information

Disclaimer. commitment. This document may not be photocopied, reproduced and/or distributed in whole or in part,

Disclaimer. commitment. This document may not be photocopied, reproduced and/or distributed in whole or in part, December 2013 Disclaimer This document has been elaborated as a part of the information policies and transparency of BBVA Continental and contains public information, own source and provided by third parties,

More information

Solution Summary: Cash Pooling

Solution Summary: Cash Pooling Solution Summary: Cash Pooling One of the most significant cash management challenges for cash and treasury managers of multinational corporations is how to achieve visibility and control over cash at

More information

Training Module: Community Exporters

Training Module: Community Exporters Training Module: Community Exporters This training contains general information only and Deloitte is not, by means of this training session, rendering accounting, business, financial, investment, legal,

More information

Important information

Important information 29 April 2014 1 Important information Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various places

More information

City of Prineville Request for Proposal (RFP) RFP #1002-14-15 For Banking Services

City of Prineville Request for Proposal (RFP) RFP #1002-14-15 For Banking Services Request for Proposal (RFP) RFP #1002-14-15 For Banking Services January 2015 TABLE OF CONTENTS Introduction Page 3 Background Page 4 Proposal Procedures Page 5 Required Banking Services Page 6 Other Requirements

More information

Request for Proposal (RFP): Banking Services - Vendor Questions

Request for Proposal (RFP): Banking Services - Vendor Questions Addenda #2 January 23, 2015 Request for Proposal (RFP): Banking Services - Vendor Questions Questions: 1. The Table of Contents includes an entry for Appendix C Investment Portfolio, however there is not

More information

Please see below for the current credit ratings of Santander UK:

Please see below for the current credit ratings of Santander UK: Santander UK Santander UK is regulated on a standalone basis by the United Kingdom Financial Services Authority. The bank is UK focused with more than 95% of assets UK based. In the UK, the bank has a

More information

List of Services and Hours of Operation

List of Services and Hours of Operation List of Services and Hours of Operation Description of Products and Services Mechanics Bank offers checking, savings, and loan products in the following lines of business. A breakdown of the services in

More information

Business Developments in the Americas

Business Developments in the Americas Business Developments in the Americas Mizuho Corporate Bank To Our Clients Mizuho Corporate Bank ("Mizuho" or "MHCB") continues to strengthen its network and services across the Americas, despite difficult

More information

Liquidity Coverage Ratio: A Quick Reference. February 2015

Liquidity Coverage Ratio: A Quick Reference. February 2015 Liquidity Coverage Ratio: A Quick Reference February 2015 2015 Morrison & Foerster LLP All Rights Reserved mofo.com The Liquidity Coverage Ratio (the LCR or the rule ) adopted by the Office of the Comptroller

More information

Receivables Management Solutions

Receivables Management Solutions Receivables Management Solutions Unlock trapped liquidity, reduce costs and make collections more predictable Citi Transaction Services Latin America and Mexico Citi Transaction Services Latin America

More information

Peru: and financial system

Peru: and financial system December 2014 Disclaimer This document has been elaborated as a part of the information policies and transparency of BBVA Continental and contains public information, own source and provided by third parties,

More information

Tanner Investor Information 1Q 2014

Tanner Investor Information 1Q 2014 Tanner Investor Information 1Q 2014 Tanner at a Glance Business Description Key Highlights (1Q 14) Tanner Servicios Financieros S.A. ( Tanner ) is a leading Chilean non banking financial institution, offering

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled

More information

Jornadas Economicas del Banco de Guatemala. Managing Market Risk. Max Silberberg

Jornadas Economicas del Banco de Guatemala. Managing Market Risk. Max Silberberg Managing Market Risk Max Silberberg Defining Market Risk Market risk is exposure to an adverse change in value of financial instrument caused by movements in market variables. Market risk exposures are

More information

Southern California AFP Luncheon

Southern California AFP Luncheon Working Capital Unharness your Cash Flow Southern California AFP Luncheon Michael Diekmann Director, Bank of America Merrill Lynch October 10, 2014 Understanding Working Capital Working Capital... = Current

More information

Financial supplement 2013. Zurich Insurance Group Annual Report 2013

Financial supplement 2013. Zurich Insurance Group Annual Report 2013 Financial supplement 2013 Zurich Insurance Group Annual Report 2013 2 Contents Results for the Year ended December 31, 2013 Financial supplement (unaudited) Financial highlights (unaudited) Business operating

More information

Global Consumer Bank. Manuel Medina-Mora CEO, Global Consumer Banking

Global Consumer Bank. Manuel Medina-Mora CEO, Global Consumer Banking Global Consumer Bank Manuel Medina-Mora CEO, Global Consumer Banking Bank of America Merrill Lynch Banking and Financial Services Conference November 16, 2011 Agenda Our Business & Results Investing in

More information

Corporate Banking. Understanding your Corporate Banking needs in Africa. Search

Corporate Banking. Understanding your Corporate Banking needs in Africa. Search Corporate Banking Understanding your Corporate Banking needs in Africa Contents 3 Working alongside you to power your success 4 Bringing your business a dedicated relationship model 5 A range of services

More information

Postbank Group Interim Management Statement as of September 30, 2013

Postbank Group Interim Management Statement as of September 30, 2013 Postbank Group Interim Management Statement as of September 30, 2013 Preliminary Remarks Macroeconomic Development Business Performance Preliminary Remarks This document is an interim management statement

More information

SANTANDER WOULD MAINTAIN CAPITAL STRENGTH IN SEVERELY ADVERSE SCENARIO, BASED ON FEDERAL RESERVE STRESS TEST

SANTANDER WOULD MAINTAIN CAPITAL STRENGTH IN SEVERELY ADVERSE SCENARIO, BASED ON FEDERAL RESERVE STRESS TEST EX 99.1 2 pressrelease.htm Exhibit 99.1 SANTANDER WOULD MAINTAIN CAPITAL STRENGTH IN SEVERELY ADVERSE SCENARIO, BASED ON FEDERAL RESERVE STRESS TEST Boston, March 5, 2015 The capital ratios of Santander

More information

Contents. 1 Peru: Atractive economy and financial system 2 Organization 3 BBVA Continental vs. Peers 4 Social responsibility and Awards 5 Ratings

Contents. 1 Peru: Atractive economy and financial system 2 Organization 3 BBVA Continental vs. Peers 4 Social responsibility and Awards 5 Ratings March 2013 Disclaimer This document has been elaborated as a part of the information policies and transparency of BBVA Continental and contains public information, own source and provided by third parties,

More information

1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates

More information