Romania Lending – Online Subtitrat http://onlinesubtitrat.biz/ Tue, 19 Oct 2021 17:31:44 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://onlinesubtitrat.biz/wp-content/uploads/2021/05/cropped-icon-32x32.png Romania Lending – Online Subtitrat http://onlinesubtitrat.biz/ 32 32 IMF official hopes Lebanon program talks can begin before New Year https://onlinesubtitrat.biz/imf-official-hopes-lebanon-program-talks-can-begin-before-new-year/ https://onlinesubtitrat.biz/imf-official-hopes-lebanon-program-talks-can-begin-before-new-year/#respond Tue, 19 Oct 2021 17:31:44 +0000 https://onlinesubtitrat.biz/imf-official-hopes-lebanon-program-talks-can-begin-before-new-year/ A Bank of America report warned that achieving net zero would cost the global economy $ 5,000 billion annually over the next 30 years. On the eve of the UN’s COP26 environmental conference in Scotland this month, where countries that signed the 2015 Paris Agreement to reduce carbon emissions will review their progress and set […]]]>

A Bank of America report warned that achieving net zero would cost the global economy $ 5,000 billion annually over the next 30 years.

On the eve of the UN’s COP26 environmental conference in Scotland this month, where countries that signed the 2015 Paris Agreement to reduce carbon emissions will review their progress and set policies to achieve net zero by 2050, the report bluntly recalls the cost of transitioning to greener energy.

However, the report also warned that failure to address climate change could result in the loss of 3% of global gross domestic product each year this decade, rising to around $ 69 trillion by the end. of this century.

A key priority at COP26 is for governments to agree on specific cash-backed policies that will accelerate the transition to net zero, including a commitment to phase out the use of coal, dramatically reduce deforestation , to accelerate the transition to electric vehicles and green heating. and implement fiscal measures to encourage increased investment in renewable energies.

In addition, the summit, which is taking place in the former Scottish industrial center of Glasgow, will also seek to get Western governments to close the $ 20 billion a year shortfall to help emerging countries switch to an energy greener.

Developed countries had agreed to provide $ 100 billion per year to emerging countries. Not only have they failed to honor this commitment, but the UN wants an agreement in Glasgow to further increase this funding.

The United Nations Environment Program estimates that the cost of transition in emerging countries will reach $ 140 to 300 billion by 2030 and $ 280 to 500 billion by 2050. The San Francisco think tank , the Climate Policy Initiative, estimates that Africa alone could require up to $ 3 billion by the end of this decade.

Against this backdrop, Bank of America estimates that the total cost of the transition will be $ 150 trillion, at least four times the amount that the global COVID-19 stimulus packages are expected to cost governments this decade.

The report says funding the trillions of dollars in investments needed for net zero will require “significant changes in capital allocation.”

As Arab News reported last week, the World Resources Institute said G20 countries still account for 75 percent of global greenhouse gas emissions. Meanwhile, a Moody’s Investors Service report found that G20 financial institutions were exposed to nearly $ 22 trillion in carbon-intensive sectors.

However, Bank of America said the use of labeled bonds and loans to address environmental issues is growing rapidly.

It plans more than $ 1,000 billion in labeled bond issuance this year, including $ 900 billion in green, social and sustainable bonds and an additional $ 100 billion in sustainability bonds.

The report adds that labeled bonds already account for over 20% of European high quality and high yield European issuance for companies this year, driven by environmental, social and governance (ESG) concerns and EU regulations. , more than double the rate in 2020.

However, while the report is optimistic about the ability of Western governments to pay for the greening of the planet, the report notes that while around 50 countries, as well as the EU – which together account for nearly 75 percent CO2 emissions – have committed to achieving net zero, only 10 countries have so far enshrined this commitment in law.

The report adds that while a number of countries have committed to long-term goals, focusing on 2050 or the end of the century, they have not made commitments by 2030 under the Paris Agreement. .

The good news? Well, Bank of America’s cost estimate is considerably lower than a previous forecast, released this summer, by BloombergNEF New Energy Outlook, which estimated the figure at $ 173 trillion, out of $ 5.8 trillion per year. year.

Progress of sorts as the world moves towards Glasgow.


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Global Paint, Varnish, Printing Ink, and Sealant Market Outlook to 2026: Historical and Forecast Data https://onlinesubtitrat.biz/global-paint-varnish-printing-ink-and-sealant-market-outlook-to-2026-historical-and-forecast-data/ https://onlinesubtitrat.biz/global-paint-varnish-printing-ink-and-sealant-market-outlook-to-2026-historical-and-forecast-data/#respond Mon, 18 Oct 2021 12:55:00 +0000 https://onlinesubtitrat.biz/global-paint-varnish-printing-ink-and-sealant-market-outlook-to-2026-historical-and-forecast-data/ DUBLIN, October 18, 2021– (COMMERCIAL THREAD)–The “Global Paint, Varnish, Printing Ink and Sealant Market Outlook (2018-2026)” report was added to ResearchAndMarkets.com offer. The research includes historical data from 2018 to 2020 and forecasts to 2026, making the reports an invaluable resource for industry executives, marketing, sales and product managers, consultants, analysts. and others looking for […]]]>

DUBLIN, October 18, 2021– (COMMERCIAL THREAD)–The “Global Paint, Varnish, Printing Ink and Sealant Market Outlook (2018-2026)” report was added to ResearchAndMarkets.com offer.

The research includes historical data from 2018 to 2020 and forecasts to 2026, making the reports an invaluable resource for industry executives, marketing, sales and product managers, consultants, analysts. and others looking for key industry data in an easily accessible document with clearly presented tables and charts.

Reports help answer the following questions:

  • What is the current size of the market in the world and in each country?

  • How is the industry divided into different product segments?

  • How are the overall market and the different product segments and countries developing?

  • How is the market expected to develop in the future?

The latest industry data included in the reports:

  • Global market size in the world and in individual countries, 2018-2026

  • Market Size by Product Segment, 2018-2026

  • Growth rate of the global market and different product segments, 2018-2026

  • Shares of the different product segments of the global market

Market data is provided for the following product segments:

  • Paints and varnishes (non-aqueous)

  • Paints and varnishes (aqueous)

  • Prepared dryers

  • Ink to print

  • Other paints, coatings, printing inks and sealants

Some of the top reasons to buy include the following:

  • Get a perspective of the historical development, current market situation and future prospects of the industry up to 2026

  • Follow industry developments and identify market opportunities

  • Plan and develop marketing, market entry, market expansion and other business strategies by identifying key market opportunities and prospects

Save time and money with easily accessible key market data included in these industry reports in PDF format. The data is presented clearly and can be easily integrated into internal presentations and reports.

The report set offers the most recent industry data on the actual market situation and future prospects for the Paint, Varnish, Printing Ink and Sealant market globally and in the near future. following countries:

  • Algeria, Angola, Armenia, Austria, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Cabo Verde, Canada, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Egypt, Estonia, Finland, France, Georgia , Germany, Greece, Hungary, Iceland, India, Iran, Iraq, Italy, Jordan, Kazakhstan, Kyrgyzstan, Laos, Latvia, Lithuania, Malaysia, Mexico, Netherlands, New Zealand, Norway, Oman, Panama, Philippines, Poland , Portugal, South Korea, Moldova, Romania, Rwanda, Saudi Arabia, Singapore, Slovakia, Slovenia, Spain, Sri Lanka, Sweden, Thailand, Turkey, Ukraine, United Kingdom, Tanzania, United States, Uzbekistan, Zimbabwe

Main topics covered:

This set of reports contains a global report and national reports for each country. All reports have the same structure. Below is a table of contents for a country report.

1. Global market for paint, varnish, printing ink and putty

  • Marlet

  • Market by type

  • Paints and varnishes (non-aqueous)

  • Paints and varnishes (aqueous)

  • Prepared dryers

  • Ink to print

  • Other paints, coatings, printing inks and sealants

2. Definition

3. Methodology and sources

4. About the publisher

For more information on this report, visit https://www.researchandmarkets.com/r/javfh9

See the source version on businesswire.com: https://www.businesswire.com/news/home/20211018005591/en/

Contacts

ResearchAndMarkets.com
Laura Wood, Senior Press Director
press@researchandmarkets.com
For EST office hours, call 1-917-300-0470
For USA / CAN call toll free 1-800-526-8630
For GMT office hours, call + 353-1-416-8900


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Inclusion of the United States and Canada in the green list https://onlinesubtitrat.biz/inclusion-of-the-united-states-and-canada-in-the-green-list/ https://onlinesubtitrat.biz/inclusion-of-the-united-states-and-canada-in-the-green-list/#respond Fri, 15 Oct 2021 16:00:00 +0000 https://onlinesubtitrat.biz/inclusion-of-the-united-states-and-canada-in-the-green-list/ MANILA, Philippines – Presidential Entrepreneurship Advisor Joey Concepcion has called on the government to include countries in North America, Canada and some European countries on the “green list” to allow travelers from those countries to benefit quarantine without settling on their arrival in the Philippines. At the Go Negosyo Let’s Go Bakuna town hall meeting […]]]>

MANILA, Philippines – Presidential Entrepreneurship Advisor Joey Concepcion has called on the government to include countries in North America, Canada and some European countries on the “green list” to allow travelers from those countries to benefit quarantine without settling on their arrival in the Philippines.

At the Go Negosyo Let’s Go Bakuna town hall meeting yesterday, Concepcion said other countries such as Thailand and Singapore were starting to open up by allowing non-quarantine travel for vaccinated passengers from the United States. United.

“I hope we can reach this level,” he said.

“I think because of our vaccination rate, there is a good chance that we can really start to open our businesses more freely,” said Philippine Ambassador to the United States, Jose Manuel Romualdez.

Yesterday, Malacañang announced that fully vaccinated travelers from “green list” countries are no longer required to undergo quarantine at facilities.

Presidency spokesman Harry Roque Jr. said the Interagency Working Group for the Management of Emerging Infectious Diseases (IATF) had “streamlined” and “codified” testing and quarantine protocols for international passengers entering the Philippines.

The countries on the green list are Algeria, American Samoa, Bhutan, Burkina Faso, Cameroon, Cayman Islands, Chad, China (mainland), Comoros, Republic of Congo, Cook Islands, Eritrea, the Falkland Islands (Malvinas), Gibraltar, Hong Kong (Special Administrative Region of China), Kiribati;

Madagascar, Mali, Marshall Islands, Federated States of Micronesia, Montserrat, Nauru, New Zealand, Nicaragua, Niger, Niue, North Korea, Northern Mariana Islands, Palau, Poland, Saba (Special Municipality of the Kingdom of the Netherlands) ;

Saint Helena, Saint Pierre and Miquelon, Samoa, Sierra Leone, Saint Eustache, Solomon Islands, Sudan, Syria, Taiwan, Tajikistan, Tanzania, Tokelau, Tonga, Turkmenistan, Tuvalu, Uzbekistan, Vanuatu and Yemen.

Roque said passengers from Romania, which has been placed on the “red list”, are not allowed to enter the country from October 16 to 31.

All other countries / jurisdictions / territories not mentioned are placed in the “yellow list”.

The IATF classifies the Red List, Yellow List and Green List countries as “high risk,” “moderate risk” and “low risk” for COVID-19, respectively.

Roque said fully vaccinated foreigners are required to present a negative RT-PCR test within 72 hours before leaving the country of origin.

“Upon arrival, no further facility-based quarantine will be required, but the passenger is advised to monitor themselves for any symptoms until day 14,” he said.

Increased capacity

Commercial establishments can now increase their service capacity by 30% if they obtain a security seal and are located in an area with high vaccination rates such as the National Capital Region (NCR), the Commerce Department said yesterday. and Industry (DTI).

“There is an additional operating capacity of 10 percentage points if the establishment has a security seal plus an additional 20 percentage points if it is in a province or region with more than 70% security rate. vaccination as in the NCR, “Commerce Secretary Ramon Lopez said in a Viber message.

Concepcion welcomed the news. “This will now serve as an incentive for LGUs (local government units) which have been able to reach 70 percent and above that they no longer have 20 percent over their current capacity,” he said. Metropolitan Manila Development Authority (MMDA) Chairman Benhur Abalos said the additional operational capacity is a form of incentive for areas that have achieved a 70 percent vaccination rate.

He said dining restaurants, as well as personal care service establishments such as barber shops, beauty salons, nail spas and hair spas located in Metro Manila, which have passed at alert level 3 today, are authorized to operate at 30% of their indoor capacity and at 50%. external capacity.

With the incentives, Abalos said these commercial establishments would be allowed to operate up to 60% for indoor capacity and 80% for outdoor customers.

“This is good news. We are definitely aiming for a great fourth quarter, ”said Concepcion.

He also praised the government’s decision to set up a loan facility to help companies provide the 13th month mandatory salary to their workers.

“It’s very difficult, especially at this time when you’ve been locked up so many times. Your cash flow is depleted and your bank loans have been extended or restructured, ”he said.

Take off the cap on arrival

The Department of Transportation (DOTr) is seeking to further increase the ceiling for daily arrivals of international passengers in Manila.

International arrivals authorized at Ninoy Aquino International Airport (NAIA) have already increased from 2,000 to 3,000 passengers since October 1, said Raul del Rosario, DOTr transport security administrator.

Del Rosario, also the head of the one-stop-shop, told STAR that he intends to raise the cap from an additional 1,000 to an additional 4,000 later this month, as the turnaround time at quarantine facilities in Manila s’ is accelerated.

However, the daily international quota of entries for other international gateways like Clark International Airport and Mactan Cebu International Airport (MCIA) remains the same, he said.

The current MCIA cap is 1000 per day, while for Clark it is 450.

Del Rosario said an increase in the international arrivals cap for MCIA is currently being assessed, while that for Clark Airport would likely remain given the limited quarantine facilities.

Airlines had previously called on the government to increase or even remove the daily arrival cap for international passengers to allow more Filipinos overseas to return home this holiday season.

Previously, Transport Secretary Arthur Tugade ordered the Philippine Civil Aviation Authority to explore the use of various regional airports for arriving international flights to meet the need to increase the capacity of the Philippines. incoming passengers.. – Helen Flores, Richmond Mercurio


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Banca Transilvania SA: launches Practic BT Verde, the cheapest personal loan offered by the bank https://onlinesubtitrat.biz/banca-transilvania-sa-launches-practic-bt-verde-the-cheapest-personal-loan-offered-by-the-bank/ https://onlinesubtitrat.biz/banca-transilvania-sa-launches-practic-bt-verde-the-cheapest-personal-loan-offered-by-the-bank/#respond Wed, 13 Oct 2021 12:12:31 +0000 https://onlinesubtitrat.biz/banca-transilvania-sa-launches-practic-bt-verde-the-cheapest-personal-loan-offered-by-the-bank/ Communication from presa2021-10-13 Banca Transilvania continues to launch products and solutions to encourage a healthy and sustainable lifestyle by launching Practice BT Verde, a loan for personal needs, in lei. At the end of the year, the interest rate is fixed, up to three percentage points lower than that of BT’s standard offer for the […]]]>

Communication from presa2021-10-13

Banca Transilvania continues to launch products and solutions to encourage a healthy and sustainable lifestyle by launching Practice BT Verde, a loan for personal needs, in lei. At the end of the year, the interest rate is fixed, up to three percentage points lower than that of BT’s standard offer for the personal loan: 7.5% / year for the loan with insurance and 8% / year for the loan without life insurance and unemployment insurance.

Practic BT Verde is intended for the purchase of equipment, household appliances, urban mobility solutions, equipment or materials that respect the environment. It can also be used as an advance on loans for the purchase of new fully electric cars. The campaign is aimed at individual customers who present the bank with a proforma invoice, a tax invoice or a commercial offer of eco-responsible products. Anyone can apply for the loan online or at any unit in the BT network.

Benefits for Practic BT Verde customers:

  • It can be borrowed for an amount between 5,000 and 100,000 RON.

  • A wide range of income is accepted: salaries, pensions, rents, dividends, independent activities, royalties.

  • The loan period is a maximum of 5 years with / without life and employment insurance.

An example for a Practic BT Verde loan in the amount of 43,000 lei:

  • For a Practic BT Verde loan with life and unemployment insurance, in the amount of 43,000 lei, with fixed interest for the entire term of the loan (7.5%), for 5 years, in 60 equal installments:

    • Monthly deposit: 861.63 lei;

    • DAE (annual effective interest rate): 9.16%;

    • Total cost of credit: 9,989.51 lei;

    • The total amount payable is 52,989.51 lei;

    • The cost of the insurance, included in the total credit value, is 1,204 lei.

  • For a Pracic BT Verde loan without life and unemployment insurance, in the amount of 43,000 lei, with fixed interest for the entire duration of the loan (8%), for a period of 5 years, in 60 equal monthly installments:

    • Monthly deposit: 871.88 lei;

    • DAE (annual effective interest rate): 8.39%;

    • Total cost of credit: 9,400.7 lei;

    • Total amount payable: 52,400.7 lei.

Green solutions from Banca Transilvania

Another step taken this year by Banca Transilvania concerning its offer of green solutions products was the launch, in July, of the first eco-responsible card in Romania, the Visa BT Classic debit card. Transforming this portfolio into an environmentally friendly portfolio means reducing the carbon footprint by nearly 40%. The bank’s goal is to make all newly issued cards environmentally friendly by 2022.

BT customers can also access the Green Real Estate Mortgage Loan for the purchase of energy-efficient buildings. For loans granted by the end of the year, the new product carries a variable interest rate starting at 3.68% for new loans and refinancing.

Banca Transilvania also offers a series of alternative green payment solutions, through which it contributes both to financial inclusion and to reducing the carbon footprint. Most can be found in the BT Pay, NeoBT and BT Visual Help applications, namely: access to digital cards before their physical receipt, application for a complete STAR purchasing card online (via BT Pay) and available directly in digital format; online current account opening and online card issuance (NeoBT), with digital signature; obtain account statements in electronic format; receive PINs / card activation codes, etc. by SMS.

Another green component through which Banca Transilvania wants to encourage a healthy lifestyle is the BT Pay Prizes on the Move – premii in miscare – functionality. By connecting the app to Google Fit, Apple Health, and Fitbit accounts, users have access to rewards, prizes, and benefits based on their physical activity and number of steps taken.


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How policy responses to COVID-19 differ in Central Europe https://onlinesubtitrat.biz/how-policy-responses-to-covid-19-differ-in-central-europe/ https://onlinesubtitrat.biz/how-policy-responses-to-covid-19-differ-in-central-europe/#respond Mon, 11 Oct 2021 18:28:01 +0000 https://onlinesubtitrat.biz/how-policy-responses-to-covid-19-differ-in-central-europe/ The COVID-19 pandemic has affected most businesses in Central Europe, but some have been hit more than others. Countries have implemented various policies to mitigate the shock to businesses. In response to the first wave of COVID-19, major tax programs have been rolled out, representing 11.7% of GDP in Poland, 6.7% in Bulgaria and 5.4% […]]]>

The COVID-19 pandemic has affected most businesses in Central Europe, but some have been hit more than others. Countries have implemented various policies to mitigate the shock to businesses. In response to the first wave of COVID-19, major tax programs have been rolled out, representing 11.7% of GDP in Poland, 6.7% in Bulgaria and 5.4% in Romania. All countries have set up loan and credit guarantee programs. However, as shown in Table 1, the policy mix varied from country to country. Poland implemented policies to support the self-employed and workers through wage subsidies, Bulgaria reduced VAT on certain goods and services, and Romanian businesses gained access to loan subsidies and moratoriums on debt.

Table 1. COVID-19 support programs for private companies in Bulgaria, Poland and Romania

Bulgaria Poland Romania
Debt moratorium

Social contributions

CIT / PIT reports

VAT carry-over

Wage subsidies
Financing for the self-employed

Grants and Grants
Direct loan
Loan guarantees

Source: INSOL International – The World Bank Group Global Guide: Measures Adopted to Support Distressed Businesses During the COVID-19 Crisis.

The targeting between different types of businesses also varied. Poland emphasized support for micro and small enterprises, unlike Bulgaria and Romania which prioritized support for medium and large enterprises. Most policies were time-limited, and governments eventually continued to support specific industries that remained subject to COVID-19 restrictions.

ALL THE SUPPORT AT THE START WASN’T LARGE

At the onset of the pandemic, countries were advised to take the ‘quick and broad’ approach, that is, to provide businesses with immediate, indiscriminate and easy access, and then refine and target support over time. This broad approach seems to have been adopted in Poland, but not as followed in Romania and Bulgaria. In Poland, almost 80% of companies declared benefiting from a public program in autumn 2020, compared to only 47% in Romania and 30% in Bulgaria. In 2021 (Survey Wave 3), only 26% of companies surveyed in the three countries said they had received support since the last interview.

Early public support reached the most affected companies

In all three countries, we found that companies that used public support experienced a larger drop in sales than those that did not when comparing waves 1 and 2 (Figure 1 ). Likewise, firms that had already incurred or expected to be in arrears were more likely to seek and access public assistance, particularly in Poland and Romania (Figure 2). This suggests that the initial national strategies reached the companies most affected. However, at the start of 2021 (wave 3), only Poland was supporting companies with significantly lower sales, indicating stronger targeting of struggling companies than in Bulgaria and Romania.

Figure 1. Evolution of sales and public support

Source: COVID-19 Business Pulse Survey Dashboard.
Note: Wave 1 surveys were implemented in May and June 2020 in all three countries. Wave 2 took place in September and October 2020 in Poland, and in November and December 2020 in Bulgaria and Romania.

Figure 2. Having or expecting arrears and public support to decrease

Have or expect to have arrears and public support

Source: COVID-19 Business Pulse Survey Dashboard.
Note: Wave 1 surveys were implemented in May and June 2020 in all three countries. Wave 2 took place in September and October 2020 in Poland, and in November and December 2020 in Bulgaria and Romania.

TARGETING SMALL AND YOUNG BUSINESSES IN DIFFICULTY REMAINS DIFFICULT

As noted in our first blog post, the pandemic shock has hit smaller and younger businesses disproportionately. In Poland, micro and small enterprises have used aid slightly more frequently than large enterprises (Figure 3, left). Conversely, in Bulgaria and Romania, large firms were more likely to receive support than micro-enterprises during the three waves of the survey. On the other hand, we do not observe any significant differences between young and mature companies in terms of access to public aid.

Figure 3. Share of companies having obtained public support during waves 1 and 2 (left) and wave 3 (right)

Share of companies having obtained public support

Source: COVID-19 Business Pulse Survey Dashboard.
Note: Wave 3 took place in February and March 2021 in Poland, and in May and June 2021 in Bulgaria and Romania.

DEPLOYMENT OF SUPPORT DESERVES ATTENTION

Three reasons emerge when examining the reasons why companies have not taken advantage of available public support: complexity, transparency and awareness. In Romania and Bulgaria, up to 29 and 14 percent of companies that did not receive assistance complained about the cumbersome application. In Bulgaria and Romania, 10% and 4% of companies, respectively, said they did not have the right connections to access support, while 17% of Romanian companies that did not receive support were unaware of its availability.

MAIN POINTS TO REMEMBER

  1. From blind policies to targeted policies of viable companies: Initially, given the limited information, it was essential to support the companies concerned quickly and indiscriminately. As the crisis continues and fiscal space shrinks, it becomes essential to target struggling viable businesses, paying attention to smaller and younger businesses.
  2. Simplified and transparent procedures: Key aspects directly addressed by decision-makers include the simplicity of the application process, the transparency of the selection procedures and the speed with which aid is disbursed. This can be facilitated by leveraging existing company data and digital services for screening, application, screening and provision of support.
  3. Clear and targeted communication: Mere provision of support is insufficient if companies do not know it exists, which justifies clear and targeted communications to potential beneficiaries.


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Former Chairman of the World Council of Credit Unions helped communities around the world | Economic news https://onlinesubtitrat.biz/former-chairman-of-the-world-council-of-credit-unions-helped-communities-around-the-world-economic-news/ https://onlinesubtitrat.biz/former-chairman-of-the-world-council-of-credit-unions-helped-communities-around-the-world-economic-news/#respond Sat, 09 Oct 2021 12:25:00 +0000 https://onlinesubtitrat.biz/former-chairman-of-the-world-council-of-credit-unions-helped-communities-around-the-world-economic-news/ Brian Branch came to Madison in the late 1980s to earn a doctorate. in Economics at UW-Madison and spent 31 years with the World Council of Credit Unions, including 10 years as President and CEO. He retired last month. BARRY ADAMS, STATE JOURNAL The World Council, which leases space on Mineral Point Road from CUNA, […]]]>





Brian Branch came to Madison in the late 1980s to earn a doctorate. in Economics at UW-Madison and spent 31 years with the World Council of Credit Unions, including 10 years as President and CEO. He retired last month.


BARRY ADAMS, STATE JOURNAL


The World Council, which leases space on Mineral Point Road from CUNA, an association of American credit unions, has 30 employees in Madison and 18 in Washington, DC.

Branch, 64, graduated from Bowdoin College, earned a master’s degree in Latin American studies from the University of Texas, and came to Wisconsin to pursue a doctorate. in Economics at UW-Madison. He and his wife live in Shorewood Hills and have two grown daughters. Her last day of work was September 6.

What do you want people to know about the World Council of Credit Unions?

We don’t have a lot of resources, but mobilizing people to tackle the big challenges we all face, it can really have an extraordinary impact. I firmly believe that we are very interconnected and when something big happens in the world it impacts communities and us here in the US I find a lot of connections over and over again.

When you started with the World Council, did you envision so much awareness, travel and change?

Frankly, I’m privileged to have been able to go to some of these communities and see this change at the grassroots happen and I’m privileged to have been able to stay here, so I’ve seen this change for a long time. period period of time.






Brian branch

Brian Branch visited refugee camps in Kurdistan in northern Iraq in 2019 and worked with the United Nations on efforts to create economic pathways for those displaced by war. “These people went through such a violent time and there was no trust,” Branch said. “But what was most important to them was family and reunification. So the special forces soldiers started giving self-defense lessons to these young women who had been victimized by ISIS, which helped build trust and began to bring their families … together. They felt fulfilled and inspired. “


World Council of Credit Unions


Your work is quite varied. How did this lead to the creation of an orphanage in Kenya?


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Adrian Huma, ING Bank Romania: Transport, mobility and automotive are sectors that interest us as a bank https://onlinesubtitrat.biz/adrian-huma-ing-bank-romania-transport-mobility-and-automotive-are-sectors-that-interest-us-as-a-bank/ https://onlinesubtitrat.biz/adrian-huma-ing-bank-romania-transport-mobility-and-automotive-are-sectors-that-interest-us-as-a-bank/#respond Fri, 08 Oct 2021 14:41:35 +0000 https://onlinesubtitrat.biz/adrian-huma-ing-bank-romania-transport-mobility-and-automotive-are-sectors-that-interest-us-as-a-bank/ Transportation is one of Romania’s major issues, so how do we integrate sustainable business models in the automotive industry and change the way we travel? How to integrate more green cars in our smart cities? Important questions posed at the recent BR Environment and Sustainability Summit 2021 were quickly answered by Adrian Huma, Automotive, Transport […]]]>

Transportation is one of Romania’s major issues, so how do we integrate sustainable business models in the automotive industry and change the way we travel? How to integrate more green cars in our smart cities? Important questions posed at the recent BR Environment and Sustainability Summit 2021 were quickly answered by Adrian Huma, Automotive, Transport and Logistics Sector Manager at ING Bank Romania, speaking in the Sustainable Communities panel.

“I think that the first condition for integrating green cars into a smart city is to have green cars and to have a smart city. Green cars are more and more present here, but they are still few in number for various reasons, such as costs and infrastructure. Here we also have a ‘chicken or egg’ type dilemma. The more the infrastructure is developed, the more people will tend to buy such cars and vice versa. If there are enough cars, then more investment will be made in infrastructure projects.

Today we are mainly talking about electric cars, but in the future we will see more types of green cars. We already know that hydrogen technology is quite advanced, already cars using hydrogen are circulating in many parts of the world. In addition, with hydrogen being an abundant resource, more and more manufacturers and more and more governments are considering investing in hydrogen technology. There are also projects that are working on technologies that will allow the continued use of combustion engines, but with environmentally friendly fuels.

So there are a lot of options ahead of us, we will see more and more innovations in this area for sure, and their integration into cities will likely depend on the availability and affordability of charging infrastructure. filling. It will also depend on getting people to adopt them, through certain facilities that will be available to those who will drive such cars. “

How does ING Bank approach sustainable development in the automotive, transport and logistics sectors?

“Transport, mobility and automotive are sectors that interest us as a bank, both globally and locally. And making these sectors sustainable also from the point of view of the credit portfolio is of the utmost importance. We are globally committed to reducing the carbon footprint of our loan portfolio as we have committed to these sectors, in accordance with the provisions of the Paris Agreement. We are on the right track with this strategy (the Terra project) and progress is posted on the Bank’s website.

We are very interested in getting involved in such projects, we would also like to see in Romania as many projects as possible to encourage the sustainable development of both the automotive sector and transport / mobility. Regarding transport and mobility in order to see more projects, it will help to have a legal framework first to help both their development and their implementation, and we are really looking forward to it.

Until then, if we need to talk about concrete actions, we have just launched a green loan dedicated to the acquisition of electric and plug-in hybrid cars, with a special interest rate (2% lower than the standard) and very light conditions to access the loan (no advance, no casco, no car key at the bank, only the proforma invoice from the dealership which certifies that the car to be purchased is a plug-in electric or hybrid … and of course the passage of the credit score – that is enough income to allow reimbursement – this is done on site by checking with the ANAF).

Regarding smart cities in Romania, I think we shouldn’t be afraid to dream big and watch what other people are doing in other parts of the world. There are many examples of cities around the world, which have evolved tremendously in a few decades, if not less. It might sound too big, but I think we can look at cities like Singapore or cities in South Korea, which are very good examples of smart and sustainable cities. And concerning South Korea for example, this country is now an exporter of smart city technologies.

But back to what we can do here in Romania. I think we have to start from the beginning: a smart city cannot exist without data and without the capacity to collect data. Thus, first of all, a city must be able to deploy an infrastructure capable of collecting all kinds of data: air quality, traffic, temperatures, etc. After collecting this data, it must be processed and then interpreted. This should be a joint action of the private sector and the city management / public administration. The city management should prioritize projects and the private sector (why not also civil society?) Provide technical solutions and then implement those selected. The selection of the solution should remain with the city management in consultation also with the community, while the implementation should be carried out by the private sector.

After having set up a data collection infrastructure and finalized the interpretation of the processed data, we will know where we are, then we can act accordingly: propose actions / projects to make the city smarter. Otherwise, it’s hard to suggest a way forward when you don’t know the exact status / where you are right now. “

So what are the most important trends in urban ecosystems today?

“From what I have noted, the majority of trends are towards a symbiosis between living things (people, animals, vegetation) and non-living things (buildings, roads, data infrastructure). More and more concepts target an increasing weight of green spaces within cities. In addition, the tendency is to develop smaller cities and avoid the further development of mega-cities, as these become more and more difficult to manage. While up to 70% of the world’s population is expected to live in urban areas by 2050, more than half live and will live in cities of less than 500,000 inhabitants. Ensuring access to quality and affordable education and health services should also be a priority for city managers.


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Romania raises interest rates by 25bp https://onlinesubtitrat.biz/romania-raises-interest-rates-by-25bp/ https://onlinesubtitrat.biz/romania-raises-interest-rates-by-25bp/#respond Thu, 07 Oct 2021 08:11:30 +0000 https://onlinesubtitrat.biz/romania-raises-interest-rates-by-25bp/ Photo by Radu Bercan / Shutterstock.com The National Bank of Romania raised its policy rate by 25 basis points (bps) to 1.5% at its October meeting, for the first time since 2018, according to centralbanknews.info. The bank said it will maintain firm control over money market liquidity, as near-term inflation will be significantly higher than […]]]>

Photo by Radu Bercan / Shutterstock.com

The National Bank of Romania raised its policy rate by 25 basis points (bps) to 1.5% at its October meeting, for the first time since 2018, according to centralbanknews.info.

The bank said it will maintain firm control over money market liquidity, as near-term inflation will be significantly higher than previous expectations under the impact of supply-side shocks, especially increases. higher energy prices.

The move aims to bring and maintain the annual inflation rate, which is expected to increase by 5.6% by the end of the year, in line with the stable inflation target of 2.5% ± 1 point percentage, in a manner conducive to sustainable economic growth as part of the fiscal consolidation process, while preserving financial stability.

The rates on deposit and credit facilities increased by 25 basis points to reach 1% and 2%, respectively.

In addition, the board of directors of the central bank decided to maintain the existing levels of the minimum reserve ratios on the leu and foreign currency liabilities of credit institutions.

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Automation of robotic processes in financial market trends, demand, prospects for future opportunities 2021 2029 – Amite Tangy Digest https://onlinesubtitrat.biz/automation-of-robotic-processes-in-financial-market-trends-demand-prospects-for-future-opportunities-2021-2029-amite-tangy-digest/ https://onlinesubtitrat.biz/automation-of-robotic-processes-in-financial-market-trends-demand-prospects-for-future-opportunities-2021-2029-amite-tangy-digest/#respond Wed, 06 Oct 2021 10:25:13 +0000 https://onlinesubtitrat.biz/automation-of-robotic-processes-in-financial-market-trends-demand-prospects-for-future-opportunities-2021-2029-amite-tangy-digest/ Automation of robotic processes in the financial market defines a comprehensive assessment and specialist study on the present and future state of robotic process automation in the financial market across size, share, growth, trends, demand and forecast of robotic process automation in the financial market. “Robotic Process Automation in Financial Market” (2021-2029) in its huge […]]]>

Automation of robotic processes in the financial market defines a comprehensive assessment and specialist study on the present and future state of robotic process automation in the financial market across size, share, growth, trends, demand and forecast of robotic process automation in the financial market.

“Robotic Process Automation in Financial Market” (2021-2029) in its huge repository provides significant statistics on the world’s leading manufacturers of Robotic Process Automation in Financial Market with significant data. This report covers data, price, revenue, gross margin, etc. This report studies the changing competitive dynamics and a forward-looking perspective on the various factors that are driving or restraining the growth of the industry. Additionally, Robotic Process Automation in Financials Market offers an in-depth analysis of the market size, share, growth scope, and industry perspective scenarios. Also, cover the information of customers from different industries which is very important for business.

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announcement of bond investor meetings https://onlinesubtitrat.biz/announcement-of-bond-investor-meetings/ https://onlinesubtitrat.biz/announcement-of-bond-investor-meetings/#respond Wed, 06 Oct 2021 07:45:03 +0000 https://onlinesubtitrat.biz/announcement-of-bond-investor-meetings/ DGAP-Ad-hoc: 4finance SA / Keyword (s): Bond 4finance SA: announcement of bond investor meetings 06-Oct-2021 / 09:44 CET / CEST Disclosure of inside information acc. in Article 17 MAR of Regulation (EU) No 596/2014, transmitted by DGAP – a service of EQS Group AG. The issuer is solely responsible for the content of this advertisement. […]]]>

DGAP-Ad-hoc: 4finance SA / Keyword (s): Bond 4finance SA: announcement of bond investor meetings 06-Oct-2021 / 09:44 CET / CEST Disclosure of inside information acc. in Article 17 MAR of Regulation (EU) No 596/2014, transmitted by DGAP – a service of EQS Group AG. The issuer is solely responsible for the content of this advertisement.

————————————————– ————————————————– ——————-

NOT FOR DISTRIBUTION, PUBLICATION OR DISTRIBUTION IN OR IN OR TO ANY PERSON LOCATED OR RESIDENT IN ANY JURISDICTION WHERE IT IS ILLEGAL TO DISTRIBUTE, PUBLISH OR DISTRIBUTE THIS AD. NOT FOR GENERAL DISTRIBUTION IN THE UNITED STATES, CANADA OR JAPAN. NOTHING IN THIS NOTICE CONSTITUTES OR CONSTITUTES AN OFFER, AN OFFER TO PURCHASE OR THE SOLICITATION OF AN OFFER FOR SALE OF SECURITIES IN THE UNITED STATES OR ANY OTHER JURISDICTION.

4finance SA announces bond investor meetings

October 6, 2021. 4finance SA (“4finance” or the “Company”) has appointed ABG Sundal Collier AB and Stifel Nicolaus Europe Limited as Joint Global Coordinators and Bookrunners, and BCP Securities LLC as Lead Manager, to organize a series bond investor meetings, as of Monday, October 11, 2021.

A senior unsecured redeemable fixed rate bond issue denominated in EUR, which is expected to be rated by S&P and Moody’s, with a term of five years (the “New Bonds”) may follow, subject, among other things, to market conditions. .

The proceeds of the New Bonds will be used to redeem the Company’s outstanding senior fixed rate unsecured bonds redeemable in 2017/2022 (ISIN: XS1597295838 / XS1597294781) (the “USD Bonds”) and for general purposes. of the company.

Today, the Company will issue a conditional notice of early redemption of all USD Bonds, in accordance with the terms and conditions of the USD Bonds, subject to the completion of the issuance of New Bonds.

Holders of USD Bonds wishing to participate in the New Bonds may be able to use their USD Bonds to subscribe to the New Bonds. Holders of USD bonds with an interest in them can contact ABG Sundal Collier AB on telephone number: +46 (0) 8 566 286 40 or by e-mail: dcm-syndicate@abgsc.se, or Stifel Nicolaus Europe Limited by phone number: +44 (0) 207 663 3200 or by email: SNEL-CSG@stifel.com.

Baker McKenzie LLP has been appointed legal counsel to the Company, and White & Case LLP has been appointed legal counsel to the bookkeepers and the lead manager.

For more information, please contact: investorrelations@4finance.com This announcement contains inside information as required by the Market Abuse Regulation. Certain statements contained in this document are “forward-looking statements”. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements.

A rating is not a recommendation to buy, sell or hold securities and may be subject to review, suspension or withdrawal at any time by the rating agency that reviews it. ‘attribute. Similar ratings for different types of issuers and for different types of securities do not necessarily mean the same thing. The importance of each note should be analyzed independently of any other note.

This announcement does not constitute or form part of an offer to purchase, a solicitation of an offer to purchase, an offer to sell or an invitation or solicitation of an offer to sell, issue or to purchase securities in the United States or to persons in the United States (as defined in Regulation S under the US Securities Act) or in any other jurisdiction. No security mentioned in this document has been or will be registered under the US Securities Act, or any securities law of any state or other jurisdiction of the United States and none of such securities shall may be offered or sold in the United States without registration or exemption from, or in a transaction not subject to, registration requirements under the US Securities Act and any national or local securities laws of the United States .

This announcement and the information it contains are for informational purposes only. In no event does the Information constitute a prospectus or an offer to sell, or a solicitation of an offer to buy or subscribe for securities in the United States of America or in any other jurisdiction. About 4finance

Founded in 2008, 4finance is one of the largest digital consumer credit groups in Europe with operations in 9 countries.

Leveraging automation and data-driven insights across the enterprise, 4finance has grown rapidly, issuing over € 8 billion since its inception in installment loans, credit lines, single payment credit and loans.

4finance operates a portfolio of market-leading brands delivering simple, useful and transparent products to millions of customers. The Group responsibly delivers practical products to the many consumers who are often underserved by conventional suppliers.

The Group also offers deposits, in addition to consumer and SME loans through its subsidiary TBI Bank, an EU-approved institution with operations in Bulgaria and Romania.

www.4finance.com

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06-Oct-2021 CET / CEST DGAP’s distribution services include regulatory announcements, financial / corporate news and press releases. Archives on www.dgap.de

————————————————– ————————————————– ——————-

Language:     English 
Company:      4finance S.A. 
              8-10 Avenue de la Gare 
              1610 Luxembourg 
              Grand Duchy of Luxembourg 
E-mail:       info@4finance.com 
ISIN:         XS1417876163, SE0006594412, XS1092320099, XS1094137806, 
WKN:          A181ZP 
Listed:       Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Berlin, Dusseldorf, 
              Hamburg, Hanover, Stuttgart, Tradegate Exchange; Dublin 
EQS News ID:  1238625 
 
End of Announcement  DGAP News Service 
=------------ 

1238625 06-Oct-2021 CET / CEST

Image link: https://eqs-cockpit.com/cgi-bin/fncls.ssp?fn=show_t_gif&application_id=1238625&application_name=news

(END) Dow Jones Newswires

October 06, 2021 03:44 ET (07:44 GMT)


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