In the same month we adopted the Code of Ethical Advertising. When preparing it, we focused on the needs of the recipients of our communications, and not just on banking procedures. Customers who use our products for small and medium-sized enterprises can get a bonus of up to zlotys for recommending those products to those they do business with.
December was also the month when the results of the 14th bank contact centres survey, carried out by Instytut Badawczy ARC Rynek i Opinia, were announced. We came third in the overall ranking and our product knowledge proved to be the best.
We took part in the Szlachetna Paczka Noble Pack charity event for the eleventh time. We prepared over 80 packages for the 16th edition. We wish to enhance positive emotions through such events, and get even closer to our customers, building our mutual relationship. Under this product Credit Agricole let farmers close the deposit any time without losing interest or bearing additional costs.
Thinking about all those going for winter holiday and fans of skiing going abroad the bank prepared a promotion concerning cash withdrawal from ATMs all over the world without any commission. During the year volunteers got involved among other things in helping dogs in shelters, in rehabilitation of a 6-year-old girl and in organizing winter holidays for children coming from disadvantaged families. Towards the end of January the Bank launched the first property insurance product in the individual model: accident insurance Pakiet na Wypadki and assistance insurance Multipakiet Maxi.
February saw the launch of our cash loan TV campaign with Juliette Binoche, who also encouraged customers to open accounts at Credit Agricole later on. In that year his comments were published as many as times in the media. It was the eleventh time that the Bank offered its support for this festival.
The campaign turned out to be an immense success: over 80 percent of applications for transfer of account from another bank in May were the applications for transfer of an account to Credit Agricole. As many as 7 out of 10 accounts transferred from other banks in H1 were transferred to Credit Agricole. Among these initiatives were educational projects for local communities, responsible purchasing policy, installing defibrillators and employee volunteering programme.
Also in April the Bank adjusted its operations to Recommendation U issued by the Polish Financial Supervision Authority by selling insurance products in the individual model. In the Golden Banker competition organized by Bankier. In May Credit Agricole launched a promotion of accounts for young customers I Recommend the 1st Account — Extra , offering customers a bonus of up to PLN for active use of accounts and recommending the account to friends.
In the Bank focused on the development of the network of partner branches franchise branches and credit agents. From the beginning of the year the Bank opened 60 new credit agencies. In the past credit agents and partner branches offered cash loans, credit cards and group insurance products only. Since mid it is possible to open accounts and deposits in partner branches. In June the Bank celebrated the Credit Agricole Day in all branches in Poland for the second time, offering a lot of attractions to customers.
The jury had heard 1, conversations of call center employees. The Bank intends to help candidates to reach agreement with potential employers, and to show what the recruitment process looks like in practice. Young people taking part in the programme can test themselves during mock job interviews carried out by experienced recruitment specialists. Among other things, the jury paid attention to brand awareness, the level of adjustment of the offer to market needs, the transparency of the offer, fees and charges, customer service quality and the loyalty policy.
In July Krystian Jaworski, an economist from the Macroeconomic Analysis Department of Credit Agricole won a competition organized by Obserwator Finansowy, having presented his original ideas for changes to the public finances. In the summer, the Bank once again launched a promotion for customers going abroad: until the end of September they were able to withdraw cash from ATMs all over the world without a fee. In August the Bank reduced the interest rate for the cash loan to 3 percent.
In September the position was taken over by Olivier Constantin, who has had nearly 30 years of experience in banking. Also in October the Bank once again organized the Account Day, which achieved a huge popularity among customers. In November the Bank offered the cash loan with a favourable interest 5. The survey assessed the customer service quality in the telephone and e-mail service. Before Christmas the Bank prepared special offers for its customers in the Credit Agricole Discount Club, allowing them to save a lot on Christmas shopping.
Also in December the Bank was helping the disadvantaged as usual, and took part in the nationwide Noble Pack action for the tenth time. The Bank also encouraged customers to do their shopping online, and take out instalment loans to finance the purchased items. As usual, towards the end of the year the staff of Credit Agricole Bank once again supported pre-Christmas initiatives to help those in need. This time, they joined the Christmas Food Collection campaign and - for the ninth time already - the nationwide Noble Pack campaign.
In November the Bank offered customers cash loans on special terms once again. Early in that month the Bank launched a pre-Christmas cash loan campaign. In November Credit Agricole also encouraged the existing and potential credit card holders to take part in the Pay with Card and Win! The most active participants had a chance to win one of forty Apple products. In October, the bank launched its autumn promotional campaign targeted at people aged from 18 to 27, offering them free-of-charge bank accounts and attractive discounts as part of the Discount Club programme, and inviting them to attend educational meetings at universities and to participate in a Career Hacking competition.
In October, Credit Agricole also prepared a promotional offer for licensed petanque players and for clubs which are members of the Polish Petanque Federation. The bank, encouraged by the success of the first edition of the We Are Ready! All requirements that had to be met by the customer to enjoy the bonuses offered by Credit Agricole Bank were related to daily banking. At the end of August, Credit Agricole invited young people who are planning or beginning their professional career to take part in a Career Hacking competition; the winners were announced in October.
Then, five winners will be selected, who will go on a six-day educational trip to Paris. In mid-August the bank offered cash loans on special terms. The new feature allows the card user to do that either at home or in the shop, using a smartphone or a tablet. POS terminals are offered together with business accounts with no maintenance fee. No rental fee is charged for a POS terminal for three months. The POS terminals offered can be used not only for accepting card payments, but also for mobile phone top-ups and for loyalty programmes for customers of a shop or patients of a medical practice.
Based on an analysis of benefits paid to its customers, the bank modified its life insurance package as a result of which the solutions offered accommodate the needs of customers taking out insurance to a fuller degree. At the beginning of summer, Credit Agricole offered its account holders six-month deposits paying interest at 3. At the same time, the bank launched a promotion for six- and nine-month deposits offered to new customers who decide to open personal accounts with Credit Agricole and undertake to make regular payments into their accounts.
In June, the bank offered businesses a Business Account overdraft promotion. Under the promotion, the bank offered to set up one-year overdrafts free of charge, no fee for the renewal of such overdrafts, and no account maintenance fee throughout the duration of such an overdraft.
The bank invited ten experts, specializing in psychology, journalism, management, marketing, law, running own business, personal style, corporate finance, HR, and customer service, to participate in the project. On their Facebook fan pages, the mentors share their experience and professional achievements, ask questions, and encourage discussion.
In May, Credit Agricole made efforts to convince the young that holding a personal account with the bank pays off and to encourage people aged between 18 and 27 to open their 1st Accounts. Any such young person who chose to do so at that time could receive a bonus of up to PLN or an overdraft or credit card limit of up to PLN 1, In April , the We Are Ready!
Any person who opened an account with the bank until the end of May could receive a bonus of PLN Also in April, Credit Agricole made available the CA Navigator application on its Website that can be used by any person interested in entrusting their savings to the bank to define their goals and choose products offered by the bank that will help the person to save money to achieve those goals.
The system suggests products that meet the needs of the customer and enables the customer to compare, save, and view simulations. In February, the bank raised the interest rate offered for month deposits up to 4. The Credit Agricole offer was one of the most attractive ones in the market at that time as customers could open deposits without having to meet any additional requirements.
In the same month, the bank started to sell InvestMedica. Also in January, the bank announced the launch of its cooperation with John Deere. Credit Agricole is the only bank in Poland that offers to finance purchases of machinery and equipment under the John Deere Financial programme, available to customers of authorized John Deere dealers only.
At the beginning of , Visa debit cards, fixed term deposits and savings accounts denominated in euros and US dollars were made available to Credit Agricole customers. This time the bank encourages saving for down payments. Thus, as the bank projected in , the club has become the largest of its kind in Poland.
At the end of the year Credit Agricole introduced an investment loan for purchase of arable lands and agricultural properties to its offering. The product is intended for farmers who have been conducting agricultural business or manufacturing activity for at least 12 months, and they own or hold the land on lease. In October the bank launched its new website based on the responsive web design technology.
Thanks to complete information about products and the opening up to mobile users, the website makes it easy for users to familiarize themselves with the products and services offered by Credit Agricole and make an online purchase decision. The size of the screen used by a user is no longer important as the layout is adapted to the screen being used. In September Credit Agricole made interest on standard offering deposits even more attractive. The Bank increased interest on month and month deposits.
The annual interest rate was set at 3. Staying true to our motto "Simply and Sensibly" we have prepared the offer for all customers, and there were no additional eligibility requirements. Also in September the bank organized a panel discussion: Infrastructure Financing - Politics or Business?
Among other things, the participants tried to answer the questions concerning profitability criteria and the impact of central and local government bodies on business effectiveness of infrastructure projects. Regular savings programmes are a new product category introduced by Credit Agricole in August To support its customers in achieving this goal the Bank rewards them with extra interest for saving regularly.
Furthermore, 50 percent of respondents considered Credit Agricole to be a trustworthy financial institution. Intensive marketing activities, which have been carried out since the brand debut on the Polish retail banking market in September allowed the bank to get such good results. In April the bank launched another product for farmers: an investment loan for purchase of arable lands.
Customers who intend to start agricultural activities can also take out this loan. February was the month in which the Bank intensively promoted the Simply-Calculated Loan. With this merger a business model was created under which both transaction banking products and investment banking products are offered to corporations. Internet users awarded the Bank with this honourable distinction for its Simply Calculated Loan. With spring Credit Agricole Bank Polska entered the agribusiness market.
Credit Agricole offered them a flexible payment schedule tailored to their credit capacity and seasonal character of their business. The Supervisory Board underlined the enormous contribution of the President in the development of the Bank and the fact that his education and professional experience guaranteed prudent and stable management. Romuald Szeliga has been involved in banking almost from the very start of his professional career. During more than 20 years of his work in domestic financial institutions he took an active part in the development of standards and solutions for the entire banking sector in Poland.
The 10th, jubilee, edition of the report "Responsible Business in Poland. Among the practices awarded were: the Active Center, the Let's share knowledge programme, the Code of Ethics, and cooperation with the University of Economics in Wroclaw. The customer can now choose whether to use the traditional bank offer with its good price, possibility of obtaining a higher loan amount and longer financing period - but with security established on the vehicle, or the Fast Car Loan, with funding available almost immediately, without further formalities, with the possibility to benefit from reduced interest rates.
In May, Credit Agricole prepared a deposit lottery for its customers, in which the lucky winners could receive the equivalent of the savings that accumulated in the bank. Funds in I Save savings accounts, Antidotum PRO insurance and savings policies and fixed-term deposits were eligible for the promotion. To qualify for the lottery it was enough to have one thousand PLN gathered in all of these products or in any one of them on the eve of the draw.
Every winner received from the Bank as much as they saved but not more than PLN 50, The total prize pool was nearly PLN 1. At the beginning of July Credit Agricole introduced a new investment product. At the end of the month the Bank announced that it had once again invited Juliette Binoche to participate in its image building campaign.
The decision to continue cooperation with the French actress was due to the success of the first image building campaign she participated in. Studies confirmed that customers viewed her positively as the ambassador of Bank brand. In August, Credit Agricole Bank Polska introduced the Business Loan offer for representatives of liberal professions, which could be used for financing anything related to their business activity.
Also existing SME customers could apply for the cash loan. Free online transfers, a Personal Overdraft Facility, contactless cards, a service which facilitates saving - are all components of the packages. The bank addresses the latest offer both to customers who use their accounts actively and expect tailored solutions and to those who use their accounts occasionally, but value personal contact with the advisor.
It allows customers, little by little, to put aside some specified amounts. All non-cash transactions made with any card issued to new account packages are rounded up and the round-up amount is transferred to the I Save savings account. Customers themselves decide the nearest round-up amount - it can be PLN 0.
In November, Credit Agricole announced that it would soon provide services to the largest corporations. The Bank will merge with the Polish branch of the corporate and investment banking arm of its shareholder. This is another considerable step on the way to universal banking. The Bank is waiting for the KNF consent to go ahead with the merger.
The Bank expects the formal merger process to be completed in the first half of Also in November, Credit Agricole simplified the account opening process for corporate clients. They can now open an account using electronic documents, which will then be verified by Bank employees online in relevant registries. The refurbished outlets feature both new external design furniture, customer service stations and overall organization of work of advisors.
By the end of the year the bank plans to refurbish all branches. In April the bank launches services to corporate clientele. The Bank asserts that every Customer can easily calculate the costs of a loan. The offer is supported by a TV commercial. All our efforts are designed to make our bank even more credible, accessible, professional and friendly towards Customers. The new slogan made its debut in the image-building campaign of Credit Agricole Bank Polska launched on 18 October.
The commercial showed the bank in the context of the likes and dislikes of financial institution customers. The light-in-style film collage illustrated the motto of Credit Agricole Bank Polska, "Prosto i z sensem", in a very simple but at the same time very attractive way.
In November, Credit Agricole Bank Polska launched its Discount Club for those customers that want to use their payment cards even more effectively and save money at the same time. Under the program customers can get discounts at the moment of making a card payment; discounts are applied right at the till. An innovative feature of the program offered by Credit Agricole is the possibility for customers to enjoy not only discounts offered in partner stores on a regular basis, all year round, but also extra discounts.
The Club's partners comprise both large nationwide companies and small local businesses, which is another distinctive feature of the bank's offering. At the end of the year we revamped our credit card portfolio. The most important of the changes made was the structuring of the offering in line with the retail customers segmentation. The aim of the change was to tailor the offering to meet, to a larger extent than previously, the needs of card holders and to make the products offered more distinct.
In March LUKAS Bank offers to its bank account customers a car loan, a mortgage loan and a cash loan without any origination fee, free current account and standing orders as well as higher interest rates on saving accounts and term deposits. The offer is also advertised on TV and on the Internet.
Let your car rest for a week" and "Saving Paper Saves Hedgehogs". Advisors do not wait for customers in bank branches but actively call them and invite to meetings. Apart from building relationships with customers, which was the key objective of the campaign, the advisors sold altogether 98 thousands products.
In June the layout of the bank website changes. New functionalities, such as a search tool and useful clipboard, are added. In July the Bank launches Lokata Poranna "morning term deposit" with daily capitalization of interest, and in August it provides its customers with individual credit line facility for accounts. On the 9th of November Romuald Szeliga shared his banking knowledge and experience with the students.
The meeting was organised under the Business Education Forum programme, designed to bring together the experience of business people and the theoretical knowledge of academics. Until the end of the year another 3 lectures of our experts will be held at the University. The Bank organizes other promotions of FURORA credit card supported by advertising campaigns, for instance offering to customers a 6 percent refund in building and interior design shops in the spring and in sport shops in the summer.
In September the Bank implements a new sales structure. Credit centers are transformed into bank branches that provide comprehensive product offering. The Bank holds thousand personal accounts and over 50 thousand business accounts. The Bank issued 1. The Bank has been also developing its sales network, with bank branches and credit centres at the end of The Bank opened the first fully franchised credit centre.
LUKAS Bank exceeded the number of one million issued credit cards thus assumed the leader position among credit card issuers in Poland. Number of credit centers. LUKAS SA reinforces its position as the consumer finance leader and constantly expands its offering of cash loans, car loans, and credit cards - so as to provide the customers with a comprehensive range of financial services. Consequently, one of the world"s biggest financial groups becomes a shareholder of the Bank.
The Bank creates a Poland-wide network of bank outlets and launches its customer service over the phone and the Internet. The Bank starts co-operation with the biggest commercial chains in Poland in the provision of credit facilities to customers. During the first years of its existence, the Bank is a universal financial institution. Soon other branches appear across Poland. You might also want to free yourself from charts with the logos of other companies on your website?
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The story of the euro is much simpler, but nonetheless an interesting look into a modern currency. The euro was only conceived in the 20th century, and physical notes and coins for the euro weren't released until the 90s. Now the euro is the currency for many European countries. Although the euro is a relatively new currency, the euro has had its fair share of ups-and-downs. Political and economic events surrounding the turn of the century such as the European recession are just some of the reasons for euro volatility.
Factors influencing the euro-yen rate In the next two subsections, we're going to take a look at what major factors throughout both Europe and Japan affect the euro yen exchange rate. As with most regions, factors that can have knock-on effects are usually fairly broad and similar in nature.
Japan, however, has some interesting key points that differ from the norm, which we'll explain in more detail. Role of EUR Like most modern currencies, the major factors which influence the movement of euro prices are mainly economic, political, and financial. Many of the ways in which the euro is affected will already be familiar to people who have a basic knowledge of how traders try to determine which way prices of currencies like the euro will move.
For example, the monthly reports which are released by the European Central Bank ECB form the backbone of many traders' decisions regarding the euro. These reports can affect the fluctuation of euro rates — and keen investors and traders are quick to scour these details as soon as they are released in an effort to find out more about what direction the euro could be heading.
Economically, news releases surrounding employment can play a huge part in the oscillation of euro rates. These figures are freely available and provide a valuable insight into the health of Europe's economy and the direction in which euro prices could go. Free Trading Guides. Please try again. Subscribe to Our Newsletter. Rates Live Chart Asset classes. Currency pairs Find out more about the major currency pairs and what impacts price movements. Commodities Our guide explores the most traded commodities worldwide and how to start trading them.
Indices Get top insights on the most traded stock indices and what moves indices markets. Cryptocurrencies Find out more about top cryptocurrencies to trade and how to get started. BoE L Mann Speech. Company Authors Contact. Long Short. Oil - US Crude. Wall Street. More View more. Free Trading Guide. Get My Guide. Euro - Yen Chart. Japanese Yen exchange rate. Then complete an account. In December by default, remote desktop most of the VNC meetings, video.
Risk Warning: Your capital is at risk. Invest in capital that is willing to expose such risks. All Forex brokers All Forex brokers. Ichimoku Cloud Analysis Ichimoku Analysis. Forex Forecast and Cryptocurrencies Forecast for February 21 - 25, Panic moods were diligently warmed up by the leading media, actively discussing the statements of world leaders, primarily the President of the United States, regarding a possible Russian invasion of U Weekly Forex Forecasts.
This consolidation range may be followed by a new rising impulse. The key support r After breaking the high, the asset may reach the key resistance at 1. However, there is an alternative scenario suggesting that If this correctional uptrend is transformed into a proper rising wave, the price may grow to break the local high at 1. If it happens, the upside targets may be However, an alternative sc The key resistance and the next upside target are the high After that, the pair may start a new correction to the downside before attacking the high at 1.
The k After that, the pair may start a new decline towards the key support at 1. The key resistance is the It looks like the pair is starting a new decline towards the key support at 1.
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| Parimutuel betting excel | One of the speakers was Jakub Borowski, our main economist, who gave a lecture entitled "Analysis and perspectives of the Polish economy with particular emphasis on the variants of the monetary policy reaction". Inwe were again distinguished in the report "Responsible Business in Poland. The long-standing values of our Group, i. We share the belief that these values and principles drive strength and growth. No rental fee is charged for a POS terminal for three months. The offer is supported by a TV commercial. |
OPERAR FOREX CON NOTICIAS DE VENEZUELA
Most people have a basic understanding of the euro and how it came to be, so let's start off with the Japanese yen. As the third most widely traded currency in the world, and the fourth reserve currency behind the US dollar, the euro, and pound sterling , the yen is a very popular option for those who wish to begin trading. The yen has a rich and complex history compared to the relative infancy of the euro and was officially adopted by the Meiji government in the year Agricultural enterprises, advanced production of various products and food and a thriving technology industry have all helped to catapult the yen into being one of the most popular currencies to trade on the forex market.
The story of the euro is much simpler, but nonetheless an interesting look into a modern currency. The euro was only conceived in the 20th century, and physical notes and coins for the euro weren't released until the 90s. Now the euro is the currency for many European countries. Although the euro is a relatively new currency, the euro has had its fair share of ups-and-downs. Political and economic events surrounding the turn of the century such as the European recession are just some of the reasons for euro volatility.
Factors influencing the euro-yen rate In the next two subsections, we're going to take a look at what major factors throughout both Europe and Japan affect the euro yen exchange rate. As with most regions, factors that can have knock-on effects are usually fairly broad and similar in nature. Japan, however, has some interesting key points that differ from the norm, which we'll explain in more detail. Role of EUR Like most modern currencies, the major factors which influence the movement of euro prices are mainly economic, political, and financial.
Many of the ways in which the euro is affected will already be familiar to people who have a basic knowledge of how traders try to determine which way prices of currencies like the euro will move. The Japanese yen is the third most traded currency in the world, as of October , and unlike the euro, it has printed some mileage. The pair printed its all-time low of circa It then started a multi-year uptrend that saw it attain an all-time high of The Great Recession piled pressure on the pair, which quickly tumbled to circa Since then, up until late , the pair has traded between A positive correlation implies that the EUR-JPY will tend to mirror similar price movements with the correlated assets.
Trading this pairing is not too different from other pairings. You need to look for the times when liquidity and volatility are high, and you can also focus on economic reports that could influence trade between Japan and Europe. See our updated Privacy Policy here.
Note: Low and High figures are for the trading day. Leveraged trading in foreign currency or off-exchange products on margin carries significant risk and may not be suitable for all investors. We advise you to carefully consider whether trading is appropriate for you based on your personal circumstances. Forex trading involves risk. Losses can exceed deposits.
We recommend that you seek independent advice and ensure you fully understand the risks involved before trading. Live Webinar Live Webinar Events 0. Economic Calendar Economic Calendar Events 0. Duration: min. P: R:. Search Clear Search results. No entries matching your query were found. Free Trading Guides. Please try again. Subscribe to Our Newsletter. Rates Live Chart Asset classes. Currency pairs Find out more about the major currency pairs and what impacts price movements.
Commodities Our guide explores the most traded commodities worldwide and how to start trading them. Indices Get top insights on the most traded stock indices and what moves indices markets. Cryptocurrencies Find out more about top cryptocurrencies to trade and how to get started.
BoE L Mann Speech. Company Authors Contact. Long Short. Oil - US Crude. Wall Street. More View more.
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