Table of Contents. Introduction 9. Argentina 18. Brazil 31
|
|
|
- Frank Crawford
- 8 years ago
- Views:
Transcription
1 Table of Contents Introduction 9 Executive summary 9 Graph 1: Latin America: POS credit card billed volume 9 Strong growth in billed volume 10 Graph 2: Global credit card merchant services charges (MSC) 11 Falling MSC 11 Graph 3: Latin America: credit card average merchant service charges (MSCs) 12 Upward trend in income from MSC 13 Graph 4: Latin America: credit card income from merchant service charges (MSCs) 13 Graph 5: Latin America: credit card income from MSCs by country Graph 6: Income from MSC by region 14 Financial inclusion and electronic payments 14 Country profiles 15 Argentina 18 Payment cards market 19 Argentina: Card Holdings per 100 Adults F 19 Argentina: Credit Cards Metrics F 19 Argentina: Debit Cards Metrics F 20 Cards market overview 22 Credit cards 22 Debit cards 24 Argentina: Merchant Acquirer Credit Card Market Share 2013E 25 Argentina: Credit Cards Merchant Service Charges 25 Argentina: Merchant Acquirer Debit Card Market Share 2013E 26 Argentina: Debit Cards Merchant Service Charges 26 Merchant acquiring and processing 27 Acquiring 27 Argentina: Credit Card Issuer/Issuing Processor Relationship 28 Argentina: Credit Card Acquirer/Acquiring Processor Relationships 28 Argentina: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 29 Argentina: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 29 Processing 30 Brazil 31 Payment cards market 32 Brazil: Card Holdings per 100 Adults F 32 Brazil: Credit Cards Metrics F 32 Brazil: Debit Cards Metrics F 33 Cards market overview 35 Brazilian payment cards 35 Credit cards 35 Debit cards 37 Merchant acquiring and processing 39 Brazil: Merchant Acquirer Credit Card Market Share 2013E 39 Brazil: Credit Card Merchant Service Charges F 39 Brazil: Merchant Acquirer Debit Card Market Share 2013E 40 Brazil: Debit Card Merchant Service Charges F 40 Merchant acquiring and procssing 41 Acquiring 41 Cielo 42 4
2 Redecard 42 Brazil: Credit Card Issuer/Issuing Processor Relationships 44 Brazil: Credit Card Acquirer/Acquirer Processor Relationships 44 Brazil: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 45 Brazil: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 45 Processing overview 46 Fidelity 46 Orbitall 46 CSU CardSystem 47 Others 47 Chile 48 Payment cards market 49 Chile: Card Holdings per Adult F 49 Chile: Credit Cards Metrics F 49 Chile: Debit Cards Metrics F 50 Cards market overview 52 Payment cards 52 Credit cards 53 Debit cards 54 Chile: Merchant Acquirer Credit Cards Market Share 2013E 55 Chile: Credit Cards Merchant Service Charges F 55 Chile: Merchant Acquirer Debit Cards Market Share 2013E 56 Chile: Debit Cards Merchant Service Charges F 56 Merchant acquiring and processing 57 Acquiring 57 Transbank 57 Redbanc 58 Chile: Credit Card Issuer/Issuing Processor Relationship 59 Chile: Credit Card Acquirer/Acquiring Processor Relationships 59 Chile: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 60 Chile: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 60 Processing 61 Colombia 62 Payment cards market 63 Colombia: Card Holdings per 100 Adults F 63 Colombia: Credit Cards Metrics F 63 Colombia: Debit Cards Metrics F 64 Cards market overview 65 Payment cards market 65 Credit cards 66 Debit cards 67 Colombia: Merchant Acquirer Credit Cards Market Share 2013E 68 Colombia: Credit Card Merchant Service Charges F 68 Colombia: Merchant Acquirer Debit Cards Market Share 2013E 69 Colombia: Debit Card Merchant Service Charges F 69 Merchant acquiring and processing 70 Acquiring 70 Credibanco 70 RBM Redeban Multicolor 70 5
3 Colombia: Credit Card Issuer/Issuing Processor Relationships 72 Colombia: Credit Card Acquirer/Acquiring Processor Relationships 72 Colombia: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 73 Colombia: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 73 Processing 74 Ecuador 75 Payment cards market 76 Ecuador: Card Holdings per Adult F 76 Ecuador: Credit Cards Metrics F 76 Ecuador: Debit Cards Metrics F 77 Cards market overview 79 Payment cards market 79 Credit cards 79 Debit cards 81 Ecuador: Merchant Acquirer Credit Card Market Share 2013E 82 Ecuador: Card Credit Merchant Service Charges 82 Ecuador: Merchant Acquirer Debit Card Market Share 2013E 82 Merchant acquiring and processsing 83 Acquiring 83 Interdin 83 PacifiCard 83 ATM networks 84 Ecuador: Credit Card Issuer/Issuing Processor Relationships 85 Ecuador: Credit Card Acquirer/Acquiring Processor Relationships 85 Ecuador: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 86 Ecuador: Credit Card Acquiring Processor Market Shares by Number of Transactions 2013E (000s) 86 Processing 87 Mexico 88 Payment cards market 89 Mexico: Card Holdings per Adult F 89 Mexico: Credit Cards Metrics F 89 Mexico: Debit Cards Metrics F 90 Cards Market Overview 92 Payments cards market 92 Credit cards 92 Debit cards 93 Mexico: Merchant Acquirer Credit Card Market Share 2013E 95 Mexico: Credit Card Merchant Service Charges 95 Mexico: Merchant Acquirer Debit Card Market Share 2013E 96 Mexico: Debit Card Merchant Service Charges 96 Merchant acquiring and processing 97 Acquiring 97 Mexico: Credit Card Issuer/IssuingProcessor Relationships 98 Mexico: Credit Card Acquirer/Acquiring Processor Relationships 98 Mexico: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 99 Mexico: Credit Card Acquiring Processor Market Shares by Number of Transactions 2013E 99 Processing 100 E-Payment service providers 100 Paraguay 102 Payment cards market 103 6
4 Paraguay: Card Holdings per Adult F 103 Paraguay: Credit Cards Metrics F 103 Paraguay: Debit Cards Metrics F 104 Payment cards market 105 Credit cards 105 Debit cards 106 Merchant acquiring and processing 107 Paraguay: Merchant Acquire Credit Card Market Share 2011E 107 Paraguay: Merchant Service Charges F 107 Paraguay: Credit Card Issuer/Issuing Processor Relationships 107 Merchant acquiring overview 108 Paraguay: Credit Card Acquirer/Acquiring Processor Relationships 109 Paraguay: Credit Card Issuing Processor Market Shares by Card Numbers 2011E 109 Paraguay: Credit Card Acquiring Processor Market Shares by Number of Transactions 2011E 109 Processing 110 Peru 111 Payment cards market 112 Peru: Card Holdings per 100 Adults F 112 Peru: Credit Cards Metrics F 112 Peru: Debit Cards Metrics F 113 Cards Market overview 114 Payment cards Market 114 Credit cards 114 Debit cards 115 Peru: Merchant Acquirer Credit Card Market Share 2013E 116 Peru: Credit Card Merchant Service Charges E 116 Merchant acquiring and processing 117 Peru: Merchant Acquirer Debit Card Market Share 2013E 116 Peru: Credit Card Issuer/Issuing Processor Relationships 118 Peru: Credit Card Acquirer/Acquiring Processor Relationship 118 Peru: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 119 Peru: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 119 Processing 120 VisaNet 120 Procesos MC 120 Other 120 Puerto Rico 121 Payment cards market 122 Puerto Rico: Card Holdings per 100 Adults F 122 Puerto Rico: Credit Cards Metrics Puerto Rico: Credit Cards Metrics F 123 Puerto Rico: Debit Cards Metrics Puerto Rico: Debit Cards Metrics F 124 Cards market overview 125 Payment cards market 125 Credit cards 125 Debit cards 125 Merchant acquiring and processing 127 Puerto Rico: Merchant Acquirer Credit Card Market Share 2013E 127 Puerto Rico: Credit Card Merchant Service Charges 127 Puerto Rico: Merchant Acquirer Debit Card Market Share 2013E 128 Puerto Rico: Debit Card Merchant Service Charges 128 7
5 Merchant Acquiring and Processing oveview 129 Puerto Rico: Credit Card Issuer/Issuing Processor Relationships 130 Puerto Rico: Credit Card Acquirer/Acquiring Processor Relationship 130 Puerto Rico: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 131 Puerto Rico: Credit Card Acquiring Processor Market Shares by Number of Transactions 2013E (000s) 131 Processing 132 Uruguay 133 Payment cards market 134 Uruguay: Card Holdings per Adult F 134 Uruguay: Credit Cards Metrics F 135 Uruguay: Debit Cards Metrics F 136 Credit cards 136 Debit cards 137 Uruguay: Merchant Acquire Credit Card Market Share 2012E 138 Uruguay: Merchant Service Charges F 138 Merchant acquiring and processing 139 Acquiring 139 Uruguay: Credit Card Issuer/Issuing Processor Relationships 140 Uruguay: Credit Card Acquirer/Acquiring Processor Relationships 140 Uruguay: Credit Card Issuing Processor Market Shares by Card Numbers 2012E 141 Uruguay: Credit Card Acquiring Processor Market Shares by Number of Transactions 2012E 142 Processing 143 Venezuela 143 Payment cards market 144 Venezuela: Card Holdings per Adult F 144 Venezuela: Credit Cards Metrics F 145 Venezuela: Debit Cards Metrics F 146 Cards market overview 147 Venezuelan payment cards 147 Credit cards 147 Debit cards 148 Merchant acquiring and processing 150 Venezuela: Merchant Acquirer Credit Card Market Share 2013E 150 Venezuela: Credit Card Merchant Service Charges F 150 Venezuela: Merchant Acquirer Debit Card Market Share 2013E 151 Venezuela: Debit Card Merchant Service Charges F 151 Merchant Acquiring and processing overview 152 Acquiring 152 Venezuela: Credit Card Issuer/Issuing Processor Relationships 154 Venezuela: Credit Card Acquirer/Acquiring Processor Relationships 154 Venezuela: Credit Card Issuing Processor Market Shares by Card Numbers 2013E 155 Venezuela: Credit Card Acquiring Processor Market Shares by Number of POS Transactions 2013E 155 Processing 156 About Lafferty Group 157 8
Merchant Acquiring. Africa
Merchant Acquiring Africa A Lafferty Group September 2015 Table of Contents Introduction 8 Graph 1: Global:Banked Adult Population 2013 8 Acquiring models 8 Credit cards in Africa 9 Graph 2: Africa: POS
MOBILE ADS. HUNT Mobile Ads Traffic Q2-2011
HUNT Mobile Ads Traffic Q2-2011 Report #2-2011 Intro Continuing with the quarterly reports from HUNT Mobile Ads, the leading mobile advertising network in Latin America and the Spanish speaking markets,
INTERNACIONAL REGISTRY IN ORGAN DONATION AND TRANSPLANTATION -IRODaT- 2010. www.tpm.org
INTERNACIONAL REGISTRY IN ORGAN DONATION AND TRANSPLANTATION -IRODaT- 21 www.tpm.org Spain Puerto Rico USA Belgium Slovenia Estonia Latvia Uruguay Argentina Australia * Canada Colombia * Cuba Ireland Brazil
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
III. INTERIM MANAGEMENT REPORT OPERATING REVENUES AND FUNDS UNDER MANAGEMENT
III. INTERIM MANAGEMENT REPORT OPERATING REVENUES AND FUNDS UNDER MANAGEMENT Direct insurance and accepted reinsurance premiums written by the Group s subsidiaries amounted to 6,476.2 million in the first
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
Open access policies: What can we learn from Latin America? Roxana Barrantes Instituto de Estudios Peruanos
Open access policies: What can we learn from Latin America? Roxana Barrantes Instituto de Estudios Peruanos 8.00 GDP growth 1999 2009 (percetual variation) 6.00 4.00 2.00 0.00-2.00-4.00-6.00 1999 2000
Q.nomy Case Study: Telefonica Page 1. Case Study: Telefonica, April 2008. Overview
Case Study: Telefonica, April 2008 Overview Telefonica ended 2007 consolidating its position as one of the world s leading telecommunications operators, largely thanks to the success of its commercial
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
WHAT S NEXT FOR MOBILE PAYMENTS?
WHAT S NEXT FOR MOBILE PAYMENTS? ? INSIGHT FROM LATIN AMERICA: WHAT S NEXT FOR MOBILE PAYMENTS? Mobile technology opens new opportunities for both financial institutions and merchants in Latin America.
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
Capacity building for non communicable disease prevention and control in Latin America and Caribbean
Capacity building for non communicable disease prevention and control in Latin America and Caribbean Advances and challenges Branka Legetic, Anselm Hennis Pan American Health Organization- World Health
Table 1. Growth of Latin American and Caribbean Medical Schools
Table 1. Growth of Latin American and Caribbean Medical Schools Country 1969 1975 1988 1992 2004 Argentina 9 9 9 13 24 Antigua and Barbuda 1 Bolivia 3 3 3 7 10 Belize 2 Brazil 30 75 78 80 112 Chile 4 10
Overview of Latin America Market and Captive Trends
Property/Casualty: The Expanding Captive Market for Latin America Overview of Latin America Market and Captive Trends Javier Mirabal, Eng, ARM, AIRM, RF Executive Director Mirabal Risk Management, LLC
How To Know If A Country Is Ready For E Commerce
A report into regional conditions for e-commerce E-Readiness in Latin America Conditions in the region for the development of e-commerce improved by 47.6% over the last four years. The gap with developed
APEC Information Privacy Principles in the Development of Outsourcing Business: Contact Center in Peru
2008/SOM1/ECSG/SEM/018 APEC Information Privacy Principles in the Development of Outsourcing Business: Contact Center in Peru Submitted by: Peru Technical Assistance Seminar on International Implementation
Latin America s s Foreign Debt
Latin America s s Foreign Debt Causes and Effects Internal Causes of the Debt Overvalued currency associated with ISI Returns on projects in future, but payments now: Debt trap Populist economic policies:
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
The Healthcare and Health Tourism. Sector
The Healthcare and Health Tourism Sector Introduction For Bancolombia being an ally of healthcare institutions means to accompany, advise, and offer alternatives to make your projects become a reality.
Life Insurance Product Taxation: Life Insurance Product Taxation: Implications for Economic. Development. VIII Conference on Insurance Regulation and
Life Insurance Product Taxation: Life Insurance Product Taxation: Implications for Economic Development VIII Conference on Insurance Regulation and Supervision in Latin America 10 May 2007 Harold D. Skipper
FACT SHEET Global Direct Selling
Global 2011 Global Retail Sales: USD $153,727 million Global Sales Force The 91.5 million Direct Sellers who represent companies around the world are: 3 2 16% 9% 2% 3% 2% 3% 2% 3% Care 42% 2% 56% 3% 2
YOUR dream. Since 1972, the Soroptimist Live Your Dream Awards. You can do it! live. Get started now! ready to begin a new life?
ready to begin a new life? live YOUR dream education & training awards for women You can do it! Since 1972, the Soroptimist Live Your Dream Awards program (formerly the Women s Opportunity Awards) has
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
Agricultural Reinsurance in Latin America Actual Situation & Outlook. 4 th Reinsurance Congress Rio de Janeiro (Brazil) April 2015
Agricultural Reinsurance in Latin America Actual Situation & Outlook 4 th Reinsurance Congress Rio de Janeiro (Brazil) April 2015 AGENDA Commodity Price & Food Consumption Context Worldwide Agriculture
CREDIT / DEBIT CARD PROCESSING FOR ONLINE APPLICATIONS. Step 1: Customer connects to agency s web storefront via the Internet.
CARD PROCESSING S E-PAYMENT MERCHANT 7 8 9 0 Step : Customer connects to agency s web storefront via the Internet. CARD PROCESSING S E-PAYMENT MERCHANT 7 8 9 0 Step : Customer s web session is re-directed
Americas OTT TV & Video Forecasts
Americas OTT TV & Video Forecasts Table of Contents Published in June 2015, this 118-page PDF and excel report contains comprehensive coverage of the Americas OTT TV & video sector (subscribers/homes,
FCPA and Anti-Corruption in Latin America
FCPA and Anti-Corruption in Latin America May 2011 FCPA Enforcement "FCPA enforcement is stronger than it's ever been and getting stronger. We are in a new era of FCPA enforcement; and we are here to stay."
Latin America & Caribbean Your presenters. 6 November 2012
Latin America & Caribbean Your presenters 6 November 2012 Randy Millian President, Diageo Latin America and Caribbean USA (Born in India) Randy is the regional President for Diageo LAC (Latin America and
Human Resources Development and Training in Comprehensive Evaluation
Human Resources Development and Training in Comprehensive Evaluation Cuarto Foro Global de los Centros para el Aprendizaje en Evaluación y Resultados (CLEAR) November 19, 2013 Conduct evaluations Train
Research Research and and Development Vice-Presidency
Research Research and and Development Vice-Presidency Social Social Programs Programs Division Division Social Sustainable Development Mission 2015 The Tecnologico de Monterrey, aware of its social responsibility
Public Authority Involvement in Credit and Debit Card Markets: Various Countries
Prepared by Fumiko Hayash i Public Authority Involvement in Credit and Debit Card Markets: Various Countries 1. Interchange and Merchant Service Fees a. Actions taken by public authorities Country Credit
Managed Mobility Visibility and Network Infrastructure
Managed Mobility Visibility is control for your global business Multinational Solutions Flexible mobility solutions that work where your business needs to be Managing a large number of users over several
Obtaining Finance in Latin America and the Caribbean 1
Obtaining Finance in Latin America and the Caribbean 1 World Bank Group latin America and the Caribbean Series Note No. REV. 8/14 Basic Definitions Countries surveyed in and how they are grouped for analysis:
Accounting Education in Latin America and the Caribbean
REPARIS A REGIONAL PROGRAM Accounting Education in Latin America and the Caribbean Henri Fortin, Program Manager, CFRR THE ROAD TO EUROPE: PROGRAM OF ACCOUNTING REFORM AND INSTITUTIONAL STRENGTHENING (REPARIS)
Grupo PRISA Overview An integrated media and education company
October, 2013 Disclaimer In addition to figures prepared in accordance with IFRS, PRISA presents non-gaap financial performance measures, e.g., EBITDA, EBITDA margin, adjusted EBITDA, adjusted EBITDA margin,
Agribusiness. Sector
Agribusiness Sector Introduction Specialized interest and knowledge of your business is the best guarantee of a broad array of financial solutions that Grupo Bancolombia* places at your disposal. The backing
ARCOS DORADOS 3Q2014 Conference Call Presentation November 4, 2014
Agenda ARCOS DORADOS 3Q2014 Conference Call Presentation November 4, 2014 Disclaimer This presentation contains forward-looking statements that represent our beliefs, projections and predictions about
SUBCOMMITTEE ON PLANNING AND PROGRAMMING OF THE EXECUTIVE COMMITTEE
PAN AMERICAN HEALTH ORGANIZATION WORLD HEALTH ORGANIZATION SUBCOMMITTEE ON PLANNING AND PROGRAMMING OF THE EXECUTIVE COMMITTEE 31st Session, 23-24 November 1998 Provisional Agenda Item 8 SPP31/8, Rev.1
Global Advertising Lawyers Alliance Minutes of the Meeting of the Americas Advertising Lawyers Alliance Amsterdam, May 2003
Global Advertising Lawyers Alliance Minutes of the Meeting of the Americas Advertising Lawyers Alliance Amsterdam, May 2003 In attendance: Argentina - Dámaso Pardo ( DA ) Brazil - Valdir Rocha ( VR ) Chile
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
Excerpt Sudan Fixed Telecommunications: Low Penetration Rates Get a Boost from Broadband Internet and VoIP Services
Excerpt Sudan Fixed Telecommunications: Low Penetration Rates Get a Boost from Broadband Internet and VoIP Services This report is part of Pyramid Research s series of Africa & Middle East Country Intelligence
DEVELOPMENT PROJECTS AND MISSIONS 2015
DEVELOPMENT PROJECTS AND MISSIONS 2015 EASTON / HOYT PROGRAM World Archery Americas came to a cooperation agreement with Mr. Greg EASTON to get support in terms of intermediate level equipment from EASTON
IPv6 in Latin America
IPv6 World Congress Meeting Las Vegas, Nevada, U.S. Azael Fernández Alcántara February 2006 CONTENTS 1. Introduction. 2. (6Bone) 3. IPv6 in Mexico 4. IPv6 in CLARA Network 5. IPv6 current status in Latin
Treatment of capital gains in mining projects in Ecuador
Treatment of capital gains in mining projects in Ecuador September 2015 CAPITAL GAINS TA IN LATIN AMERICA Is the indirect disposal of shares taxed? Country Taxes Does not tax Brazil Argentina Chile Colombia
Survey of LAC agricultural research institutes on technical information management.
Survey of LAC agricultural research institutes on technical information management. FORAGRO Technical Secretariat Area of Technology and Innovation Directorate of Technical Leadership and Knowledge Management,
Latin America - Digital Media and Pay TV Market
Brochure More information from http://www.researchandmarkets.com/reports/1937256/ Latin America - Digital Media and Pay TV Market Description: This market report provides a comprehensive overview of convergence,
PromonLogicalis: More Than 10,000 Devices Managed with CA Unified Infrastructure Management
CUSTOMER SUCCESS STORY January 2014 PromonLogicalis: More Than 10,000 Devices Managed with CA Unified Infrastructure Management CLIENT PROFILE Company: PromonLogicalis Industry: Information Technology
Networking Skills in Latin America
Networking Skills in Latin America Results Presentation prepared for: Cisco Networking Academy January 2013 Copyright IDC. Reproduction is forbidden unless authorized. All rights reserved. Project Overview:
The attractions of Spain as an insurance market
The attractions of Spain as an insurance market Domingo Sugranyes, Executive Vice Chairman and CEO Goldman Sachs European Financials Conference Navigating the Sea of Change Puerto Banus, Spain, 8 June
Resolution. Background to the support of the Ombudsman Offices for women s human rights
Resolution Seminar-Workshop The Promotion and Protection of Reproductive Rights through the Work of the National Human Rights Institutions for Latin America, the Caribbean and Canada. Representatives of
Information for applicants from Latin America and the Caribbean for study commencing in 2014
Information for applicants from Latin America and the Caribbean for study commencing in 2014 Development Scholarships The Development Scholarships (NZDS) scheme offers the opportunity to people from targeted
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), in compliance with the Securities Exchange legislation, hereby files the following RELEVANT EVENT
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), in compliance with the Securities Exchange legislation, hereby files the following RELEVANT EVENT Attached please find a press release on the changes of the
2013 SCHOLARSHIP EXAMINATION PRACTICAL SECTION
2013 SCHOLARSHIP EXAMINATION PRACTICAL SECTION DEPARTMENT COURSE TITLE TIME ALLOWED NUMBER OF QUESTIONS IN PAPER NUMBER OF QUESTIONS TO BE ANSWERED GENERAL INSTRUCTIONS SPECIAL INSTRUCTIONS CALCULATORS
Are higher education students registering and participating in MOOCs? The case of MiríadaX
Please cite as: Albó, L., Hernández-Leo, D., Oliver, M. (2016) Are higher education students registering and participanting in MOOCs? The case of MiríadaX. EMOOCs 2016 conference, Graz, Austria. Are higher
University of Twente Business Travel Reimbursement Scheme
University of Twente Business Travel Reimbursement Scheme Kenmerk: 401.829/HR Datum: 11-03-2014 Auteur: Miessen Index ARTICLE 1 DEFINITIONS... 2 ARTICLE 2 APPLICABILITY... 2 ARTICLE 3 GENERAL PROVISIONS...
ECON 4311: The Economy of Latin America. Debt Relief. Part 1: Early Initiatives
ECON 4311: The Economy of Latin America Debt Relief Part 1: Early Initiatives The Debt Crisis of 1982 severely hit the Latin American economies for many years to come. Balance of payments deficits and
Trends, News and Events that are Shaping the AML Arena in Latin America
Trends, News and Events that are Shaping the AML Arena in Latin America Presented by: Octavio Betancourt- Managing Director 1 MoneyLaundering.com 15 th Annual International Anti-MoneyLaundering Conference
Admission to UNICAMP. 1. The Undergraduate Program. 1.1. Regular students. 1.1.1 The vestibular examination. 1.1.2.
Admission to UNICAMP 1. The Undergraduate Program 1.1. Regular students To enroll as a regular student in one of UNICAMP's undergraduate courses, foreign students have to pass the entrance examination
Auto Rental Insurance Basic Benefits
Auto Rental Insurance Basic Benefits NOTICE: This document is a summary of the policy and is intended to be distributed in its entirety to cardholders. If an issuer uses excerpts of this material to distribute
How To Tax A Holding Company
Investing in Latin America through Spain: Planning Opportunities 11th Annual Latin American Tax Conference Miami, Florida 10-11 March 2010 Luis Carbajo, Isabel Otaola, Joaquin Kersman, Clarissa Machado,
Overview of Pension Plans in Latin America. with a focus on Brazil and Mexico
Overview of Pension Plans in Latin America with a focus on Brazil and Mexico Pension Practice in Latin America Three groups of countries are clearly identified Group I Mainly depending on State Social
THE LATIN AMERICAN INSURANCE MARKET 2013-2014. Insurance and Social Protection Area
THE LATIN AMERICAN INSURANCE MARKET 2013-2014 Insurance and Social Protection Area 2013 2014 The Latin American Insurance Market 2013-2014 FUNDACIÓN MAPFRE is not liable for the content of this work, and
REPORT OF THE KNOWLEDGE TRANSFER NETWORK*
Distr. LIMITED LC/L.3379(CEA.6/7) 19 October 2011 ENGLISH ORIGINAL: SPANISH Sixth meeting of the Statistical Conference of the Americas of the Economic Commission for Latin America and the Caribbean Bávaro,
The Americas Investing in Growth. Ian Curley, Group CFO Juan Guillermo Castaneda, CFO the Americas
The Americas Investing in Growth Ian Curley, Group CFO Juan Guillermo Castaneda, CFO the Americas The Americas and M&A Key Takeaways Pan-regional footprint Increasing exposure to higher growth markets
Guidelines for International Taught Postgraduate Masters Scholarships 2016-2017 (For scholarships managed by the International Relations Office)
Guidelines for International Taught Postgraduate Masters Scholarships 2016-2017 (For scholarships managed by the International Relations Office) Table of Contents Scope... 2 Terminology... 3 Eligibility...
Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country.
Aon Hewitt Country Profiles Your eguide to employment requirements and practices Profiles for nearly 90 countries worldwide Risk. Reinsurance. Human Resources. Know the Facts Whether you are a newcomer
International Natural Gas Tariff Comparison for Residential and Industrial Customers December 2011
International Natural Gas Tariff Comparison for Residential and Industrial Customers December 2011 Index International Comparison December 2011 Graph 1: Residential Tariff Graph 2: Industrial Tariff (SMEs
INTERNATIONAL FACTORING
INTERNATIONAL FACTORING November 3, 2011 1 L. Gabriel Segura President and founding officer of CVCredit Inc, a Miami-based company which focuses in USA-domestic and international factoring services. Nine
Customer Support User s Guide Services Overview Latin America and Caribbean
Global Presence Tools LNAM Help Desk Customer Support User s Guide Services Overview Latin America and Caribbean MICROS Systems, Inc. Global Presence Tools LNAM Help Desk Welcome to MICROS Customer Support!
Social Security in Latin America
139 Social Security Leonardo Rangel Social Security in Latin America Technical Officer on Planning and Research at IPEA; Ph.D. student in Public Policy at PPED-UFRJ. 141 Social Security in Latin America
Mathematics in Latin America and the Caribbean:
Mathematics in Latin America and the Caribbean: Project Proposals Commission for Developing Countries, International Mathematical Union I. Name of the project: Central American Regional Doctoral Program
CNE Progress Chart (CNE Certification Requirements and Test Numbers) (updated 18 October 2000)
Novell Education CNE Progress Chart (CNE Certification Requirements and Test Numbers) (updated 18 October 2000) Prerequisite for all certifications In order to receive a Novell certification the candidate
Coordinating national investment promotion with subnational investment promotion
. Coordinating national investment promotion with subnational investment promotion Investment climate, World Bank Global Market Access from an International Economy Spain: your partner in Europe Business
Evolution of EU exports and imports of goods with CELAC, 2004-2014 (in billion)
100/2015-9 June 2015 EU Community of Latin American and Caribbean States (CELAC) summit CELAC represents the fifth most important trading partner of the EU More than 200 bn total trade The 28 Member States
!! !! !! !! MARKET S)INTEREST)IN)INVESTING)IN)COMPANIES MARKET S)INTEREST)IN)INVESTING)IN)COMPANIES EXISTING)INVESTMENT)OPPORTUNITIES)AND)THE)CREATION) AND)DEVELOPMENT)OF)NEW)BUSINESSES MARKET
CLARA: Security in Latin American Academic Networks
Jornadas sobre Seguridad Informática Buenos Aires, 1-7 Octubre, 2005 Liliana Velásquez Solha CAIS/RNP - Brazil Juan Carlos López Guel UNAM-CERT Mexico (on behalf of CLARA Latin American Cooperation of
Digital TV Research. http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample
Digital TV Research http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am -
MediaKit. MOBILE ADS Hunting Ads Everywhere
MediaKit Hunting Ads Everywhere HUNT Mobile Ads We are the main company in the region who advance along with the fast growth of mobile advertising. Nowadays, advertisers who plan and advertise in mobile,
Deutsche Bank Research. The Pacific Alliance. A bright spot in Latin America May 2014. Deutsche Bank Research
The Pacific Alliance A bright spot in Latin America May 2014 Agenda 1 2 3 What is it about? Combined strengths Challenges ahead 1 What is it about? A next generation free trade agreement Mexico Colombia
Overview menu: ArminLabs - DHL Medical Express Online-Pickup: Access to the Online System
Access to the Online System Overview menu: Create shipment: Preselected - Here you can order your shipment including the Pickup 0049 821 78093150 ArminLabs DHL Medical Express Online-Pickup-Manual DHL
Mario Torres Jarrín Director European Institute of International Studies Associate Lecturer Department of Romance Studies and Classics and Associate
Mario Torres Jarrín Director European Institute of International Studies Associate Lecturer Department of Romance Studies and Classics and Associate Researcher, Institute of Latin American Studies Stockholm
Cultural Unit 1: City, Country Life & Transportation
Cultural Unit 1: City, Country Life & Transportation unfamiliar and personal reactions with others. Linguistic Functions Grammatical How to describe life in the city How to describe life in the country
Education and Training
Education and Training Education The William J. Harrington Medical Training Programs for Latin America and the Caribbean 1967 August 2011 Total 3939 Residency Program for Internal Medicine 397 Elective
Company Presentation. Corporate Motor Show
Company Presentation Corporate Motor Show 1 Company Overview 1. Company Overview Technology & Service Provider Network Operator 2 FY 2010 Financial Highlights 1. Company Overview Revenues Ebitda 60.9 19.2
Competitive Intelligence for organizations of all sizes.
Competitive Intelligence for organizations of all sizes. About ConsistBIS In today s fast evolving business environment organizations must quickly adapt to changes through efficient and effective utilization
Taxation in South America
Taxation in South America Agenda Overview of Taxation in the Region Particularities for Construction Market Review of Major Economies 1- Overview Benefits for Canadians Developed treaty network with Canada
352 UNHCR Global Report 2010
352 UNHCR Global Report 2010 Argentina Bolivia (Plurinational State of) Brazil Chile Colombia Costa Rica Cuba Ecuador El Salvador Guatemala Honduras Mexico Nicaragua Panama Paraguay Peru Uruguay Venezuela
The Economic Impact of a U.S. Slowdown on the Americas
Issue Brief March 2008 Center for Economic and Policy Research 1611 Connecticut Ave, NW Suite 400 Washington, DC 20009 tel: 202-293-5380 fax:: 202-588-1356 www.cepr.net The Economic Impact of a U.S. Slowdown
Recognition of Judgments 2016
The United Nations High Commissioner for Refugees, Sin Fronteras, the Inter-American Commission on Human Rights, and the Asociación Mexicana de Impartidores de Justicia A.C. CALL FOR PROPOSALS Recognition
Requirements-Based Testing Ambiguity Reviews. Gary E. Mogyorodi, B.Math., M.B.A. Principal Consultant
Requirements-Based Testing Ambiguity Reviews Gary E. Mogyorodi, B.Math., M.B.A. Principal Consultant Software Testing Services 1646 Coldwater Mews Mississauga, Ontario, Canada L5M4X3 Phone: (905) 813-7937
in the CARIBBEAN Margarita Astralaga UNEP ROLAC February 2015
in the CARIBBEAN Margarita Astralaga UNEP ROLAC February 2015 Content I. Background II. Activities and Achievements III. Options and opportunities What is a green economy? A Green Economy is one that results
TABLE 2 CONSANGUINEOUS MARRIAGE IN THE AMERICAS
TABLE 2 CONSANGUINEOUS MARRIAGE IN THE AMERICAS Region/country Location Collection Study Sample Consanguinity Consanguinity Coefficient of Reference period population size (%) types inbreeding (α) Caribbean
The remainder of this handbook is divided into the following sections: Getting Started (p. 2); Beginner Mode (pp. 3 5); Expert Mode (pp. 5 11).
User Guide to LAPOP s System for Online Data Analysis (v1) The following guide is designed to help users navigate through and use LAPOP s System for Online Data Analysis (SODA). The system allows individuals
DIRECT MARKETING STRATEGY. Web & Software Development Services
DIRECT MARKETING STRATEGY Web & Software Development Services Document created by : Rakesh Negi Business Development & Market Research Consultant New Delhi, India Skype: rakesh_negi1 MSN: rakesh_negi1@hotmail.com
Agrimonitor: PSE Agricultural Policy Monitoring System in LAC INE/RND
Agrimonitor: PSE Agricultural Policy Monitoring System in LAC INE/RND WHAT POLICY MONITORING IS,WHY IS IMPORTANT AND WHAT HAS ALREADY BEEN DONE IN OUR COUNTRIES? Monitor and evaluate developments in agricultural
Latin America - Mobile Operators
Brochure More information from http://www.researchandmarkets.com/reports/2417568/ Latin America - Mobile Operators Description: he report provides key information about the mobile operators in Latin America
GREPECAS Project G3. Implementation of the Quality Management System in AIM units. (Presented by the Secretariat) SUMMARY
International Civil Aviation Organization SAM/AIM/7-WP/05 South American Regional Office 05/02/15 Seventh Multilateral Meeting of the SAM Región for the transition from AIS to AIM (SAM/AIM/7) Lima,, 23
Technische Universität Berlin Germany Undergraduate. Université François- Rabelais de Tours France Undergraduate
EMA2 Lote 7 SUD-UE Lista oficial de candidatos seleccionados//official list of selected candidates UID Home university Host university Country Mobility type SUDU1300529 Univerisdad del Valle, Bolivia University
AnAlysis of environment for internet banking
97 AnAlysis of environment for internet banking services in latin AmericA * : brazil And mexico cases Magdalena Blaszczyszyn** Resumen Este artículo describe las condiciones para el desarrollo del e-banking
Solid Waste Management in LAC: Actual and Future CH4 Emissions and Reductions
Solid Waste Management in LAC: Actual and Future CH4 Emissions and Reductions The World Bank, August 2008 This presentation will focus on: 1. Current Situation of MSWM service provision in LAC and identification