The Banking Sector in Turkey 2009 December 2014
|
|
|
- Chad Gallagher
- 7 years ago
- Views:
Transcription
1 The Banking Sector in Turkey 2009 December 2014
2 This study was prepared using data provided by the Central Bank of the Republic of Turkey (CBRT), Banking Regulation and Supervision Agency (BRSA), Turkish Statistical Institute (TurkStat), Capital Markets Board of Turkey, The Interbank Card Center, International Monetary Fund, European Banking Federation and The Banks Association of Turkey (BAT). Whilst every effort has been made to ensure that the information contained in this study is correct, The Banks Association of Turkey cannot accept any responsibility for any errors or omissions or for any consequences resulting therefrom. Unless otherwise stated, data covers deposit and development and investment banks. This study was prepared for the aim of following up and assessing the developments in the Turkish Banking Sector. The study will be updated every three months. Any ideas and suggestions are welcome and important for the improvement of the study. For your ideas and suggestions: Ümit Ünsal, Latest update: February
3 Index General Information Balance Sheet Indicators Selected Indicators Income/Expenditure Indicators International Comparison 3
4 General Information 4
5 Banking Sector in Turkey As of December 2014, there are 49 banks in total, 32 of them being deposit, 13 development and investment and 4 of them participation banks. According to Banking Law No 5411: Deposit bank: The institutions operating primarily for the purposes of accepting deposit and granting loan in their own names and for their own accounts, Participation bank: The institutions operating primarily for the purpose of collecting fund through participation accounts and granting loan, Development and investment bank: The institutions operating primarily for the purposes of granting loan and/or fulfill the duties assigned thereto by their special Laws. 5
6 Number of Banks Dec * Deposit Banks State-owned Private Foreign SDIF Development and Investment Banks Participation Banks Total The data of SDIF banks are excluded as from February 2014 by BRSA.. Source: BRSA 6
7 Number of Branches and Employees (Thousand) Dec Number of Branches (right axis) Number of Employees Participation banks are included. Source: BRSA 7
8 Number of Branches of Deposit Banks (Branches abroad are included, thousand) Dec-14 Foreign Private State-owned SDIF owned banks' branch number: 1. Development and Investment Banks' branch number: 41 (As of September 2013) Number of branches of development and investment banks are 40 as of December Source: BRSA 8
9 Number of Employees (Thousand) Dec-14 Development and Investment Banks Foreign Private State-owned Source: BRSA 9
10 Distribution of Employees by Sex (Percentage) Dec Female Male Source: BAT 10
11 Ownership Structure *,** (In terms of paid-in capital, as of September 2014, perc.) Trading in BIST Other Resident Non- Resident Total Deposit Banks State-owned Private SDIF Foreign Development and Investment Banks * Ownership structure is not taken into account in the shares trading in ISE. **The weighted paid-in capital shares are used for the calculation of capital structure. ***The distribution of shares traded in ISE is not included. Source: BAT 11
12 Ownership Structure *,** (In terms of paid-in capital, perc.) Years Trading in BIST Other Resident Non- Resident Sep * Ownership structure is not taken into account in the shares trading in ISE. **The weighted paid-in capital shares are used for the calculation of capital structure. ***The distribution of shares traded in ISE is not included. Source: BAT 12
13 Numbers of ATM, POS, Debit Cards and Credit Cards (Thousand) Dec ATM POS 1,739 1,824 1,977 2,134 2,293 2,389 Debit Cards 64,662 69,917 81,880 91, , ,513 Credit Cards 44,393 46,956 51,361 54,342 56,835 57,007 Source:The Interbank Card Center 13
14 Number of customers in Internet Banking and Volume of Transactions Dec Number of Active Customers (Million) Volume of Transactions (TL Billion) 884 1,030 1,551 1,770 2.,53 2,561 * The number of customers who have logged in at least once during last three months. Source: BAT 14
15 General Purpose Loans, Other Loans and Housing Loans Stock (Loans Outstanding and Per Capita) General* Purpose and Other** Loans Sep. Total (TL Million ) 36,110 41,365 59,275 82,537 94, , ,316 Per Capita (TL Thousand ) Housing Loans Sep. Total (TL Million) 37,347 42,733 57,584 69,755 79,552 97, ,854 Per Capita (TL Thousand ) *General purpose loans: Loans borrowed for durable and semi-durable consumer goods, education, marriage and health purposes. **Other loans: Loans which cannot be grouped in the other three types of loans. Source: BAT 15
16 Transaction Volume of Credit Cards (Incl. domestic and international transactions) to Gdp (Percent) Mar-14 Jun-14 Sep-14 Dec-14 * GDP is calculated by estimating y-o-y growth rate as 3 percent for 2014Q4 Source: The Interbank Card Center, TurkStat 16
17 Balance Sheet Indicators 17
18 Total Assets TL Billion USD Billion Source: BRSA 18
19 Financial Assets and Liquid Assets (Billion TL) Financial Assets Liquid Assets Source: BRSA 19
20 Financial Assets and Liquid Assets (Billion USD) Financial Assets Liquid Assets Source: BRSA 20
21 Loans and Receivables TL Billion USD Billion Source: BRSA 21
22 Distribution of Loans and Receivables (Percentage) 100% 80% 60% 40% 20% 0% TL FX Source: BRSA 22
23 Type of Loans* (Year over year growth, percent) Dec Total Retail Credit Cards Housing Vehicle Other Corporate SME Loans *Participation banks are included. Source: BRSA 23
24 Type of Loans* (Year over year growth deflated with PPI, percent) Dec Total Retail Credit Cards Housing Vehicle Other Corporate SME Loans *Participation banks are included. Source: BRSA, TurkStat 24
25 Deposits Billion TL USD Billion Source: BRSA 25
26 TL Deposits / Total Deposits (Percent) Source: BRSA 26
27 Shareholder s Equity TL Billion USD Billion Source: BRSA 27
28 Free Shareholder s Equity TL Billion USD Billion Source: BRSA 28
29 Non Deposit Funds TL Billion USD Billion Source: BRSA 29
30 Selected Indicators 30
31 Branches and Employees Per Capita (Person) Number of Branches Number of Employees (left axis) Source: BRSA, TurkStat 31
32 Assets, Loans and Receivables, Deposits Per Capita (USD) Assets Loans Deposits Source: BRSA, TurkStat 32
33 Selected Balance Sheet Indicators to GDP (Percent) Loans Assets Deposits * GDP is calculated by estimating y-o-y growth rate as 3 percent for 2014Q4 Source: BRSA, TurkStat, BAT 33
34 Loans and Receivables / Total Assets (Percent) Source: BRSA 34
35 Financial Assets / Total Assets (Percent) Source: BRSA 35
36 Shareholder s Equity / Total Assets (Percent) Source: BRSA 36
37 Non-Deposit Funds / Total Assets (Percent) Source: BRSA 37
38 Other Assets / Total Assets (Percent) 3,1 2,9 2,7 2,5 2,3 2,1 1,9 1,7 1, Source: BRSA 38
39 Non Performing Loans (Before provisions) / Total Loans and Receivables (Percent) Source: BRSA 39
40 Deposits / Total Assets (Percent) Source: BRSA 40
41 Loans and Receivables / Deposits (Percent) Source: BRSA 41
42 Net Profit (Losses) / Total Shareholder s Equity, PPI (Percent) Average Return on Equity PPI Source: BRSA, TurkStat, BAT 42
43 Capital Adequecy Ratio (Percent) Source: BRSA 43
44 Income / Expenditure Indicators 44
45 Interest Income, Interest Expenditure and Net Interest Income to Total Assets (Percent) Interest Income Interest Expenditures Net Interest Income Source: BRSA 45
46 Net Non Interest Income / Total Assets (Percent) -1,00-1,20-1,40-1,60-1,80-2,00-2, Source: BRSA 46
47 Net Fees, Commissions and Banking Services Income / Total Assets (Percent) 1,5 1,4 1,3 1,2 1,1 1,0 0,9 0, Source: BRSA 47
48 Net Operating Profit (Loss) / Total Assets (Percent) 3,3 3,1 2,9 2,7 2,5 2,3 2,1 1,9 1,7 1, Source: BRSA 48
49 International Comparison 49
50 Capital Adequecy Ratios of G-20 Countries (Percent) Latest date of the data USA 1 13, March Germany June Argentina June Australia June UK June Brazil 19, , June China , December Indonesia June France December S.Africa , June India , June Italy December Japan March Canada June Korea , December Mexico July Russia June Suudi Arabia , June Turkey , , June Source: IMF, Financial Soundness Indicators, 50
51 Return on Equity of G-20 Countries (Percent) Latest date of the data USA USA March Germany Germany , , December Argentina Argentina , , June Australia Australia , ,0 20,0 23, MArch UK UK June Brazil Brazil , , , , June China China December Indonesia Indonesia , June France France 14, , ,0 8.4 December S.Africa S.Africa , , June India India , June Italy Italy , ,0 1, December Japan Japan , MArch Canada Canada , June Korea Korea ,0 December Mexico Mexico July Russia Russia ,0 December Suudi Arabia Suudi Arabia , June Turkey Turkey , June Source: IMF, Financial Soundness Indicators, April
52 Selected Banking Indicators of EU and Other European Countries (Percent) Assets to GDP Loans to GDP Deposits to GDP Luxembourg Malta Ireland Cyprus UK Denmark France Netherlands Portugal Spain Austria Sweden Germany Finland Belgium Italy Greece Croatia Slovenia Czech Republic Latvia Bulgaria Hungary Estonia Poland Slovakia Lithuania Romania Turkey Source: ECB 52
53 Source: ECB Selected Banking Indicators of EU and Other European Countries (Thousand Euro) Assets per Capita Loans Per Capita Deposit per Capita Luxembourg Ireland Denmark UK Netherlands Sweden France Malta Austria Cyprus Finland Germany Belgium Italy Spain Portugal Greece Slovenia Czech Republic Estonia Latvia Croatia Hungary Slovakia Poland Lithuania Bulgaria Romania Turkey
54 Selected Indicators of Financial Sector to Gdp Ratios Comparison with World and Emerging Countries (Percent) World EM TR World EM TR World EM TR World EM TR World EM TR Banks Assets Capital Markets Equities Bonds and Bills Total Source: IMF, Global Financial Stability Report, October
55 Comparison with World and Emerging Countries (Percent) TR/ World TR/ EM* TR/ World TR/ EM TR/ World TR/ EM TR/ World TR/ EM TR/ World TR/ EM Banks Assets ,59 2,54 0,66 2,68 0,64 2,42 Capital Markets ,28 2,11 0,36 2,46 0,30 2,15 Equities ,42 2,02 0,59 2,78 0,42 2,34 Bonds and Bills ,21 2,20 0,23 2,13 0,22 1,97 Total ,41 2,35 0,49 2,59 0,34 1,76 Gdp ,10 3,03 1,09 2,91 1,10 2,84 Source: IMF, Global Financial Stability Report, October
56 Remarks Net Interest Income / Expenditure: Interest Income Interest Expenditures Free Shareholder s Equity: Shareholder s Equity - (Fixed Assets + Non Performing Loans (net)) Non Deposit Funds: Payables to the Central Bank + Payables to money market + Payables to banks + Funds from Repo transactions + Funds + Securities issued Net Non Interest Income (Expenditure) : Net Operating Profit (Loss) Net Interest Income (Expenditure) Net Fees and Commissions (Expenditure) : Fees and commissions provided from loans Fees and commissions paid Other Assets: Includes all balance sheet asset accounts not covered specifically in other areas of the activity. 56
41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.
Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***
Turkish Arab Economic Forum June 29, 2012. Mehmet Şimşek. Minister of Finance
Turkish Arab Economic Forum June 29, 2012 Mehmet Şimşek Minister of Finance 1 Outline Turkey: Short Term Outlook Managing a Soft Landing Fallout from the Euro Crisis Turkey & MENA REBALANCING Growing ON
Reporting practices for domestic and total debt securities
Last updated: 4 September 2015 Reporting practices for domestic and total debt securities While the BIS debt securities statistics are in principle harmonised with the recommendations in the Handbook on
GfK PURCHASING POWER INTERNATIONAL
GfK PURCHASING POWER INTERNATIONAL 1 Agenda 1. Europe 3 2. Americas 45 3. Asia & Near East 54 4. Afrika 66 5. Australia 68 6. Overview of countries and available levels 70 2 2 EUROPE 4 GfK
World Consumer Income and Expenditure Patterns
World Consumer Income and Expenditure Patterns 2014 14th edi tion Euromonitor International Ltd. 60-61 Britton Street, EC1M 5UX TableTypeID: 30010; ITtableID: 22914 Income Algeria Income Algeria Income
COMMUNICATION FROM THE COMMISSION
EUROPEAN COMMISSION Brussels, 17.9.2014 C(2014) 6767 final COMMUNICATION FROM THE COMMISSION Updating of data used to calculate lump sum and penalty payments to be proposed by the Commission to the Court
First estimate for 2014 Euro area international trade in goods surplus 194.8 bn 24.2 bn surplus for EU28
30/2015-16 February 2015 First estimate for 2014 Euro area international trade in goods surplus 194.8 bn 24.2 bn surplus for EU28 The first estimate for the euro area 1 (EA18) trade in goods balance with
The investment fund statistics
The investment fund statistics Narodowy Bank Polski (NBP) publishes data reported by investment funds which have been defined in Art. 3 section 1 of the Act of 27 May 2004 on investment funds (Journal
Monetary Policy in the Post-Crisis Period
Monetary Policy in the Post-Crisis Period A. Hakan Kara Research and Monetary Policy Department EAF Conference October 10, 2011 Contents I. Changing View of Central Banking II. Capital Flows to Emerging
Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women
75/2015-27 April 2015 Labour Force Survey 2014 Almost 10 million part-time workers in the EU would have preferred to work more Two-thirds were women Among the 44.1 million persons in the European Union
EUF STATISTICS. 31 December 2013
. ESTIMATES OF EU TURNOVER VOLUMES. Turnover volumes by product, allocation and notification (Estimates of EU s, Millions of ) Estimate of the EU % on Turnover Significance of the sample on total turnover
ERASMUS+ MASTER LOANS
ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Masters level
How To Understand Factoring
EIF Project "Jeremie" General Report on Factoring 1 Market analysis on Factoring in EU 25+2 prepared by International Factors Group (IFG) for European Investment Fund (EIF) project JEREMIE Preliminary
The spillover effects of unconventional monetary policy measures in major developed countries on developing countries
The spillover effects of unconventional monetary policy measures in major developed countries on developing countries Tatiana Fic National Institute of Economic and Social Research Objective The objective
Low repo rate supports upturn in inflation. Governor Stefan Ingves Bank & Finans Outlook 18 March 2015
Low repo rate supports upturn in inflation Governor Stefan Ingves Bank & Finans Outlook 18 March 2015 Sweden - a small open economy in an uncertain world Large oil price fluctuations Negative interest
Dividends Tax: Summary of withholding tax rates per South African Double Taxation Agreements currently in force Version: 2 Updated: 2012-05-22
Dividends Tax: Summary of withholding tax rates per South African Double Taxation Agreements currently in force Version: 2 Updated: 2012-05-22 Note: A summary of the rates and the relevant provisions relating
Malta Companies in International Tax Structuring February 2015
INFORMATION SHEET No. 126 Malta in International Tax Structuring February 2015 Introduction Malta is a reputable EU business and financial centre with an attractive tax regime and sound legislative framework.
NEW PASSENGER CAR REGISTRATIONS BY ALTERNATIVE FUEL TYPE IN THE EUROPEAN UNION 1 Quarter 4 2015
NEW PASSENGER CAR REGISTRATIONS BY ALTERNATIVE FUEL TYPE IN THE Quarter 4 2015 Alternative fuel vehicle (AFV) registrations: +20.0% in 2015; +21.1% in Q4 In the fourth quarter of 2015, total alternative
Updated development of global greenhouse gas emissions 2013
Updated development of global greenhouse gas emissions 2013 Hans-Joachim Ziesing Low Carbon Markets and the Legacy of Nuclear Power 19 th REFORM Group Meeting, Schloss Leopoldskron, Salzburg September
International Call Services
International Call Services Affordable rates for business calls. Wherever you are in the world. We ve got plenty to say when it comes to staying in touch when you re overseas. We have agreements with 443
U.S. Trade Overview, 2013
U.S. Trade Overview, 213 Stephanie Han & Natalie Soroka Trade and Economic Analysis Industry and Analysis Department of Commerce International Trade Administration October 214 Trade: A Vital Part of the
Q3 FDI flows are up, but 2013 is heading towards a second annual decline
USD billions FDI IN FIGURES February 214 International investment struggles Q3 FDI flows are up, but 213 is heading towards a second annual decline Key findings Despite strong performance in Q3, global
International Hints and Tips
International Hints and Tips Content Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated
Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments
January 20, 2015 ShadEcEurope31_January2015.doc Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments by Friedrich Schneider *)
ERASMUS+ MASTER LOANS
Ref. Ares(2015)660570-17/02/2015 ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students
1. Perception of the Bancruptcy System... 2. 2. Perception of In-court Reorganisation... 4
Bankruptcy Systems and In-court Reorganisation of Firms, 2010 Content: 1. Perception of the Bancruptcy System... 2 2. Perception of In-court Reorganisation... 4 3. Perception of Creditor Committees, Fast
What Is the Total Public Spending on Education?
What Is the Total Public Spending on Education? Indicator On average, OECD countries devote 12.9% of total public expenditure to, but values for individual countries range from less than 10% in the Czech
International investment continues to struggle
FDI IN FIGURES December 2014 International investment continues to struggle Figures for the first half of 2014 point to stalled FDI flows Findings FDI fell in the first quarter of 2014 before rebounding
187/2014-5 December 2014. EU28, euro area and United States GDP growth rates % change over the previous quarter
187/2014-5 December 2014 This News Release has been revised following an error in the data for Gross Fixed Capital Formation. This affects both the growth of GFCF and its contribution to GDP growth. All
99/2015-9 June 2015. EU28, euro area and United States GDP growth rates % change over the previous quarter
2005Q1 2005Q2 2005Q3 2005Q4 2006Q1 2006Q2 2006Q3 2006Q4 2007Q1 2007Q2 2007Q3 2007Q4 2008Q1 2008Q2 2008Q3 2008Q4 2009Q1 2009Q2 2009Q3 2009Q4 2010Q1 2010Q2 2010Q3 2010Q4 2011Q1 2011Q2 2011Q3 2011Q4 2012Q1
Global Economic Briefing: Global Inflation
Global Economic Briefing: Global Inflation August 7, Dr. Edward Yardeni -97-7 eyardeni@ Debbie Johnson -- djohnson@ Mali Quintana -- aquintana@ Please visit our sites at www. blog. thinking outside the
BLUM Attorneys at Law
BLUM Attorneys at Law CORPORATE TAXATION SYSTEM IN SWITZERLAND Outline of Swiss Corporate Tax System Levels of Taxation in Switzerland Resident companies are subject to: federal corporate income tax, and
Appendix 1: Full Country Rankings
Appendix 1: Full Country Rankings Below please find the complete rankings of all 75 markets considered in the analysis. Rankings are broken into overall rankings and subsector rankings. Overall Renewable
Alcohol Consumption in Ireland 1986-2006 A Report for the Health Service Executive
Alcohol Consumption in Ireland 1986-2006 A Report for the Health Service Executive Prepared by Dr. Ann Hope This report should be referenced: Hope, A. (2007). Alcohol consumption in Ireland 1986-2006.
Euler Hermes the world leader in credit insurance RISK ASSESSMENT CREDIT INSURANCE DEBT COLLECTION
Euler Hermes the world leader in credit insurance RISK ASSESSMENT CREDIT INSURANCE DEBT COLLECTION Agenda 1 The Euler Hermes group 2 Our business 3 Our products and solutions 4 Our added value 2 The Euler
STATISTICS FOR THE FURNITURE INDUSTRY AND TRADE
STATISTICS FOR THE FURNITURE INDUSTRY AND TRADE Möbel Zahlen Daten STATISTICS FOR THE FURNITURE INDUSTRY AND TRADE 01/36 Economical growth in the regions of the world-economy Changes of the gross domestic
International ACH: Payment Gateway to Europe
International ACH: Payment Gateway to Europe Treasury Symposium St. Petersburg Florida Tuesday, January 27 Concurrent Session 16 10:15am 11:30am International ACH: Payment Gateway to Europe Presenters:
Verdict Financial: Wealth Management. Data Collection and Forecasting Methodologies
Verdict Financial: Wealth Management Data Collection and Forecasting Methodologies April 2014 Contents Global Wealth Markets Methodology Methodology Methodology 2 Global Wealth Markets Section 1: Global
Greece Country Profile
Greece Country Profile EU Tax Centre March 2013 Key factors for efficient cross-border tax planning involving Greece EU Member State Double Tax Treaties With: Albania Estonia Lithuania Serbia Armenia Finland
SMEs access to finance survey 2014
EUROPEAN COMMISSION MEMO Brussels, 12 November 2014 SMEs access to finance survey 2014 This memo outlines the results of a survey undertaken by the European Commission to provide policy makers with evidence
Global AML Resource Map Over 2000 AML professionals
www.pwc.co.uk Global AML Resource Map Over 2000 AML professionals January 2016 Global AML Resources: Europe France Italy Jersey / Guernsey 8 Ireland 1 Portugal 7 Luxembourg 5 United Kingdom 1 50 11 Spain
THE UPDATE OF THE EURO EFFECTIVE EXCHANGE RATE INDICES
September 2004 THE UPDATE OF THE EURO EFFECTIVE EXCHANGE RATE INDICES Executive summary In September 2004, the European Central Bank (ECB) has updated the overall trade weights underlying the ECB nominal
Comparative tables. CPSS Red Book statistical update 427
CPSS Red Book statistical update 427 January 2013 Table 1 Basic statistical data GDP (USD billions) 1 Population (millions, yearly average) Australia 952 1,050 999 1,246 1,500 21.1 21.4 21.8 22.1 22.4
Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund
Income INTECH Global Income Managed Volatility Fund Australia 0.0066 0.0375 Austria 0.0045 0.0014 Belgium 0.0461 0.0138 Bermuda 0.0000 0.0059 Canada 0.0919 0.0275 Cayman Islands 0.0000 0.0044 China 0.0000
4 Distribution of Income, Earnings and Wealth
4 Distribution of Income, Earnings and Wealth Indicator 4.1 Indicator 4.2a Indicator 4.2b Indicator 4.3a Indicator 4.3b Indicator 4.4 Indicator 4.5a Indicator 4.5b Indicator 4.6 Indicator 4.7 Income per
Brochure More information from http://www.researchandmarkets.com/reports/1339929/
Brochure More information from http://www.researchandmarkets.com/reports/1339929/ The 2011 World Forecasts of Machine Tools That Remove Material by Laser or Light, Photon, Ultrasonic, Electro-Discharge,
European Research Council
ERC Starting Grant Outcome: Indicative statistics Reproduction is authorised provided the source ERC is acknowledged ERCEA/JH. ERC Starting Grant: call Submitted and selected proposals by domain Submitted
Credit transfer to Customer account with AS "Meridian Trade Bank" EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank
Pricelist for individuals residents of Latvia SERVICES 4. TRANSFERS In the Bank PRICE LIST IN EUR Using «MultiNet» 4.1. 4.1.1. Credit transfer to Customer account with EUR, USD free of charge * 4.1.2.
The big pay turnaround: Eurozone recovering, emerging markets falter in 2015
The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 Global salary rises up compared to last year But workers in key emerging markets will experience real wage cuts Increase in
How To Calculate Euro Area Competitiveness Indicators
JULY 2012 EURO AREA EXCHANGE RATE-BASED COMPETITIVENESS INDICATORS: A COMPARISON OF METHODOLOGIES AND EMPIRICAL RESULTS by Bernadette Lauro and Martin Schmitz, 1 This paper will be presented at the Sixth
NERI Quarterly Economic Facts Summer 2012. 4 Distribution of Income and Wealth
4 Distribution of Income and Wealth 53 54 Indicator 4.1 Income per capita in the EU Indicator defined National income (GDP) in per capita (per head of population) terms expressed in Euro and adjusted for
European Bottled Water - Overview. Stewart Macintosh 16 th June 2011
European Bottled Water - Overview Stewart Macintosh 16 th June 211 The Big Picture Global Bottled Water M Litres 18, 16, 14, 12, 1, 8, 6, 4, 2, 2 21 22 23 24 25 26 27 28 29 21 Top 15 Bottled Water Markets
Questionnaire on International sourcing
General information Questionnaire on International sourcing 1. Are you part of an enterprise group? (Tick the relevant boxes) a. Yes, the group head (ultimate controlling institutional unit) of an all-resident
Family benefits Information about health insurance country. Udbetaling Danmark Kongens Vænge 8 3400 Hillerød. A. Personal data
Mail to Udbetaling Danmark Kongens Vænge 8 3400 Hillerød Family benefits Information about health insurance country A. Personal data Name Danish civil registration (CPR) number Address Telephone number
Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU
92/2015-27 May 2015 Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU In the European Union (EU), household electricity prices 1 rose by
The Guardianship Service
The Guardianship Service How can they help you? When you arrive in Belgium Are you under the age of 18 and have you arrived in Belgium without your father or mother? You are searching for support and accommodation
relating to household s disposable income. A Gini Coefficient of zero indicates
Gini Coefficient The Gini Coefficient is a measure of income inequality which is based on data relating to household s disposable income. A Gini Coefficient of zero indicates perfect income equality, whereas
National Counties Building Society. A guide to our Buy to Let Mortgage lending criteria
National Counties Building Society A guide to our Buy to Let Mortgage lending criteria Issued: 01 July 2016 A guide to our Buy to Let Mortgage lending criteria Introduction This document outlines a summary
Beer statistics. 2014 edition. The Brewers of Europe
Beer statistics 2014 edition The Brewers of Europe Beer statistics 2014 edition The Brewers of Europe Editor: Marlies Van de Walle 1st edition, October 2014 ISBN 978-2-9601382-3-8 EAN 9782960138238 1
IMD World Talent Report. By the IMD World Competitiveness Center
2014 IMD World Talent Report By the IMD World Competitiveness Center November 2014 IMD World Talent Report 2014 Copyright 2014 by IMD: Institute for Management Development, Lausanne, Switzerland For further
DSV Air & Sea, Inc. Aerospace Sector. DSV Air & Sea, Inc. Aerospace
DSV Air & Sea, Inc. Aerospace Sector DSV Air & Sea, Inc. Aerospace Introduction to DSV DSV is a global supplier of transport and logistics services. We have offices in more than 70 countries and an international
Definition of Public Interest Entities (PIEs) in Europe
Definition of Public Interest Entities (PIEs) in Europe FEE Survey October 2014 This document has been prepared by FEE to the best of its knowledge and ability to ensure that it is accurate and complete.
NORTHERN TRUST GLOBAL TRADE CUT OFF DEADLINES
Argentina T+3 Only Govt Tsy Bills (Letes) have a settlement cycle of T+1, other fixed income securities have a T+3 settlement cycle. T+0 OTC Market (MAE) SD 1200 9amSD-2 9am SD T+3 T+0 SD 1500 9am SD 9am
Table 1: TSQM Version 1.4 Available Translations
Quintiles, Inc. 1 Tables 1, 2, & 3 below list the existing and available translations for the TSQM v1.4, TSQM vii, TSQM v9. If Quintiles does not have a translation that your Company needs, the Company
Clinical Trials. Local Trial Requirements
Clinical Trials Clinical trials insurance covers the legal liabilities of the insured in respect of clinical trials for bodily injury arising from the trial. The coverage provided by Newline is on the
Adverse macro-financial scenario for the EBA 2016 EU-wide bank stress testing exercise
29 January 2016 Adverse macro-financial scenario for the EBA 2016 EU-wide bank stress testing exercise The European Banking Authority (EBA) 2016 EU-wide stress testing exercise will require banks to use
SWECARE FOUNDATION. Uniting the Swedish health care sector for increased international competitiveness
SWECARE FOUNDATION Uniting the Swedish health care sector for increased international competitiveness SWEDEN IN BRIEF Population: approx. 9 800 000 (2015) GDP/capita: approx. EUR 43 300 (2015) Unemployment
ERASMUS+ MASTER LOANS
ERASMUS+ MASTER LOANS Erasmus+ Master Loan: opening up access to more affordable lending for cross-border studies The Erasmus+ programme makes it possible for students who want to take a full Master's-level
Credit & Debit Card Payments. Factsheet
Credit & Debit Card Payments Factsheet Contents 1. Card Types... 2 2. Supported countries... 2 3. First Funding via Credit / Debit Card... 3 4. Transaction Currencies... 4 5. Currency Conversion... 4 6.
SunGard Best Practice Guide
SunGard Best Practice Guide What Number Should I Use? www.intercalleurope.com Information Hotline 0871 7000 170 +44 (0)1452 546742 conferencing@intercalleurope.com Reservations 0870 043 4167 +44 (0)1452
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT. EU Schengen States. Non-Schengen EU States. Non-EU Schengen States.
ENTERING THE EU BORDERS & VISAS THE SCHENGEN AREA OF FREE MOVEMENT An area without internal borders where EU citizens and non-eu nationals may move freely EU Schengen States Non-Schengen EU States IS Azores
What Proportion of National Wealth Is Spent on Education?
Indicator What Proportion of National Wealth Is Spent on Education? In 2008, OECD countries spent 6.1% of their collective GDP on al institutions and this proportion exceeds 7.0% in Chile, Denmark, Iceland,
Taxation trends in the European Union EU27 tax ratio fell to 39.3% of GDP in 2008 Steady decline in top corporate income tax rate since 2000
DG TAXUD 95/2010-28 June 2010 Taxation trends in the European Union EU27 tax ratio fell to 39.3% of GDP in 2008 Steady decline in top corporate income tax rate since 2000 The overall tax-to-gdp ratio 1
Supported Payment Methods
Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit
Trends in Digitally-Enabled Trade in Services. by Maria Borga and Jennifer Koncz-Bruner
Trends in Digitally-Enabled Trade in Services by Maria Borga and Jennifer Koncz-Bruner Digitally-enabled are those for which digital information and communications technologies (ICT) play an important
Monthly Report on Asylum Applications in The Netherlands and Europe
Asylum Trends Monthly Report on Asylum Applications in The Netherlands and Europe November 2013 2014 November 2014 Colophon Title Subtitle Author Asylum Trends Monthly Report on Asylum Applications in
Triple-play subscriptions to rocket to 400 mil.
Triple-play criptions to rocket to 400 mil. Global triple-play criptions will reach 400 million by 2017; up by nearly 300 million on the end-2011 total and up by 380 million on the 2007 total, according
Supported Payment Methods
Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not
July 2015. Figure 1. 1 The index is set to 100 in 2000. House prices are deflated by country CPIs in most cases.
July 2015 Globally, house prices continue a slow recovery. The Global House Price Index, an equally weighted average of real house prices in nearly 60 countries, inched up slowly during the past two years
Trends in the European Investment Fund Industry. in the First Quarter of 2016
Quarterly Statistical Release May 2016, N 65 This release and other statistical releases are available on Efama s website (www.efama.org) Trends in the European Investment Fund Industry in the First Quarter
TRANSFERS FROM AN OVERSEAS PENSION SCHEME
PENSIONS PROFILE DECEMBER 2011 TRANSFERS FROM AN OVERSEAS PENSION SCHEME = Summary A simplified guide to the process: 1. Individual requests transfer from their overseas pension scheme to their UK registered
DEMOGRAPHICS AND MACROECONOMICS
1 UNITED KINGDOM DEMOGRAPHICS AND MACROECONOMICS Data from 2008 or latest available year. 1. Ratio of over 65-year-olds the labour force. Source: OECD, various sources. COUNTRY PENSION DESIGN STRUCTURE
EUROPE 2020 TARGETS: RESEARCH AND DEVELOPMENT
EUROPE 2020 TARGETS: RESEARCH AND DEVELOPMENT Research, development and innovation are key policy components of the EU strategy for economic growth: Europe 2020. By fostering market take-up of new, innovative
BANK FOR INTERNATIONAL SETTLEMENTS P.O. BOX, 4002 BASLE, SWITZERLAND
BANK FOR INTERNATIONAL SETTLEMENTS P.O. BOX, 4002 BASLE, SWITZERLAND PRESS RELEASE CENTRAL BANK SURVEY OF FOREIGN EXCHANGE AND DERIVATIVES MARKET ACTIVITY IN APRIL 1998: PRELIMINARY GLOBAL DATA The BIS
THE ROLE, RESPONSIBILITIES AND OBLIGATIONS OF THE SHIP AGENT IN THE INTERNATIONAL TRANSPORT CHAIN
THE ROLE, RESPONSIBILITIES AND OBLIGATIONS OF THE SHIP AGENT IN THE INTERNATIONAL TRANSPORT CHAIN A ship agent is any person or company that carries out the functions of an agent (see the following slide),
IMD World Talent Report. By the IMD World Competitiveness Center
2015 IMD World Talent Report By the IMD World Competitiveness Center November 2015 IMD World Talent Report 2015 Copyright 2015 by IMD Institute for Management Ch. de Bellerive 23 P.O. Box 915 CH-1001 Lausanne
BT Premium Event Call and Web Rate Card
BT Managed Event and BT Self-Managed Event (also referred to as Express, Plus and Premium) Conference Bridge and Call for Booked Audio Conferencing Services will comprise the following for each phone-conference:
International Higher Education in Facts and Figures. Autumn 2013
International Higher Education in Facts and Figures Autumn 2013 UK Higher Education International Unit International higher education in facts and figures covers the majority of the UK higher education
Exercise 39. The Euro. At the end of this exercise you will:
Exercise 39 The Euro At the end of this exercise you will: Know how the Euro was named Know the countries using the Euro Be able to name all the Euro notes Be able to name all the Euro coins Be able to
On What Resources and Services Is Education Funding Spent?
Indicator On What Resources and Services Is Education Funding Spent? In primary, secondary and post-secondary non-tertiary education combined, current accounts for an average of 92% of total spending in
How many students study abroad and where do they go?
From: Education at a Glance 2012 Highlights Access the complete publication at: http://dx.doi.org/10.1787/eag_highlights-2012-en How many students study abroad and where do they go? Please cite this chapter
Report on Government Information Requests
Report on Government Information July 1 - December 31, 2015 Apple takes our commitment to protecting your data very seriously and we work incredibly hard to deliver the most secure hardware, software and
Foreign Obligations Notification Process
Foreign Obligations Notification Process Santiago Aguilar Nuclear Regulatory Commission 1 Agreements for Peaceful Nuclear Cooperation Current agreements with the IAEA, 21 countries, and Taiwan. The agreements
Finnish foreign trade 2014 Figures and diagrams. 27.2.2015 FINNISH CUSTOMS Statistics 1
Finnish foreign trade 214 Figures and diagrams 27.2.215 FINNISH CUSTOMS Statistics 1 IMPORTS, EXPORTS AND TRADE BALANCE 199-214 7 billion e 6 5 4 3 2 1-1 9 91 92 93 94 95 96 97 98 99 1 2 3 4 5 6 7 8 9
Chapter 4A: World Opinion on Terrorism
1 Pew Global Attitudes Project, Spring 2007 Now I m going to read you a list of things that may be problems in our country. As I read each one, please tell me if you think it is a very big problem, a moderately
PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN ITALY
PORTABILITY OF SOCIAL SECURITY AND HEALTH CARE BENEFITS IN ITALY Johanna Avato Human Development Network Social Protection and Labor The World Bank Background study March 2008 The Italian Social Security
Public Sector and it s Functions. The framework. Why we need public sector? What is the public sector?
Public Sector and it s Functions The framework What is the public sector? Roles of the public sector, and its main functions Distribution of functions Why we need public sector? The market mechanism cannot
Equity Release Schemes in the European Union
Reifner Clerc-Renaud Perez-Carillo Tiffe Knobloch Equity Release Schemes in the European Union institut fur finanzdienstleistungen e.v. Contents PREFACE I EXECUTIVE SUMMARY V TABLES XXIX FIGURES XXX 1.