<?xml version="1.0" encoding="UTF-8"?><!-- generator="wordpress.com" -->
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	>

<channel>
	<title>abn-amro &amp;laquo; WordPress.com Tag Feed</title>
	<link>http://wordpress.com/tag/abn-amro/</link>
	<description>Feed of posts on WordPress.com tagged "abn-amro"</description>
	<pubDate>Tue, 07 Oct 2008 03:44:24 +0000</pubDate>

	<generator>http://wordpress.com/tags/</generator>
	<language>en</language>

<item>
<title><![CDATA[‘Logo’s ABN Amro kunnen er weer op’]]></title>
<link>http://deweekinlogos.wordpress.com/?p=24</link>
<pubDate>Mon, 06 Oct 2008 18:00:35 +0000</pubDate>
<dc:creator>hnldesign</dc:creator>
<guid>http://deweekinlogos.it.wordpress.com/2008/10/06/logo%e2%80%99s-abn-amro-kunnen-er-weer-op/</guid>
<description><![CDATA[Nieuw ABN AMRO logo
AMSTERDAM - De nog maar recent verwijderde ABN Amro-logo&#8217;s van het hoofdka]]></description>
<content:encoded><![CDATA[[caption id="attachment_37" align="alignnone" width="300" caption="Nieuw ABN AMRO logo"]<a href="http://deweekinlogos.files.wordpress.com/2008/10/abnamro11.jpg"><img src="http://deweekinlogos.wordpress.com/files/2008/10/abnamro11.jpg?w=300" alt="Nieuw ABN AMRO logo" title="Nieuw ABN AMRO logo" width="300" height="96" class="size-medium wp-image-37" /></a>[/caption]
<p>AMSTERDAM - De nog maar recent verwijderde ABN Amro-logo's van het hoofdkantoor in Amsterdam kunnen weer terug worden gehangen. Merkenexperts verwachten dat de sinds vrijdag genationaliseerde Nederlandse activiteiten van Fortis, inclusief dochter ABN Amro, verder gaan onder de naam ABN Amro.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[weight.]]></title>
<link>http://minliii.wordpress.com/?p=233</link>
<pubDate>Mon, 06 Oct 2008 07:54:26 +0000</pubDate>
<dc:creator>minliii</dc:creator>
<guid>http://minliii.it.wordpress.com/2008/10/06/weight/</guid>
<description><![CDATA[whokies. i have this new drink i am crazy over. it&#8217;s the young coconut juice canned drink from]]></description>
<content:encoded><![CDATA[<p>whokies. i have this new drink i am crazy over. it's the young coconut juice canned drink from yeo's. it's sold at the vending machine downstairs and i keep having midnight cravings for this coconut drink with bits of coconut pulp. which brings me to how i've been putting on weight. midnight sugary snacks really not good for the scales.</p>
<p>last week was crazy. monday saw the announcement of the fortis bail-out plan by the benelux governments on the condition that abn amro be sold off. on the other hand i was busy cramming for the finance midterms and about to keel over from tvm calculations. thankfully this week things are much better, we will now be owned by the dutch government, and that's just fantastic news cause hurray for AAA rating! (plus the midterms are over, and even if i fail i really dont give a rat's ass.) it's only fair since we've little or no exposure to the sub-prime mess, and been all along a very stable/healthy bank..it's good to be independent, never did like to see the abn amro name cease to exist. (: also i really like the idea of celebrating my 1 year at abn amro <strong>with abn amro</strong>, instead of some where else......</p>
<p>a sidenote: i have been rather angsty and short tempered lately. i keep finding myself getting annoyed with the smallest things and losing my temper rather unneccessarily. such is the curse of the monthly cycle. bear with it hon, it'll get better i promise. the best strategy you can follow is probably to just agree, placate and give in to my amazingly childish tantrums. i'll make it up to you when it's over.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Incidentul Fortis - ABN]]></title>
<link>http://ocgroupro.wordpress.com/?p=180</link>
<pubDate>Sat, 04 Oct 2008 18:59:26 +0000</pubDate>
<dc:creator>ocgroup.ro</dc:creator>
<guid>http://ocgroupro.it.wordpress.com/2008/10/04/incidentul-fortis-abn/</guid>
<description><![CDATA[&#8220;Dupa cadere, oferta pentru ABN Amro se dovedeste a fi catastrofala&#8220;, scrie, luni 29.09.]]></description>
<content:encoded><![CDATA[<p>"<span style="color:#000000;"><em>Dupa cadere, oferta pentru ABN Amro se dovedeste a fi catastrofala</em></span>", scrie, luni 29.09.08, cotidianul olandez de afaceri, Het Financieele Dagblad, care adauga ca "<em>Fortis a tintit prea sus</em>".</p>
[caption id="attachment_186" align="alignleft" width="210" caption="ABN Amro"]<img class="size-medium wp-image-186" title="abn1" src="http://ocgroupro.wordpress.com/files/2008/10/abn1.jpg?w=300" alt="ABN Amro" width="210" height="74" />[/caption]
<p><strong>Fortis</strong> alaturi de banca spaniola <strong>Santander</strong> si grupul britanic Royal Bank of Scotland (<strong>RBS</strong>), s-a implicat, in aprilie 2007,  in cea mai importanta achizitie din sectorul bancar. Aceasta se intampla cu cateva luni inainte de declansarea crizei creditelor, cu grad mare de risc. La momentul respectiv, un titlu Fortis era cotat la 36 Euro. Luni 29.09.08, actiunile Fortis s-au depreciat si au coborat sub un prag de 5 Euro, aducand grupul financiar la o valoare evaluata de mai putin de 13 miliarde euro.</p>
<p>Fortis, RBS si Banco Santander au platit in 2007, suma record de 71 miliarde euro, ca sa cumpere ABN Amro. Fortis achizitionase pentru 24 de miliarde euro,  reteaua de unitati din Olanda, divizia de administrare de capital si bancile de investitii ale ABN Amro.</p>
[caption id="attachment_187" align="alignleft" width="210" caption="Fortis"]<img class="size-medium wp-image-187" title="fortis" src="http://ocgroupro.wordpress.com/files/2008/10/fortis.jpg?w=300" alt="Fortis" width="210" height="67" />[/caption]
<p><strong>Fortis</strong> s-a confruntat cu o grava criza de incredere in ultimele saptamani, in special in privinta capacitatii sale de absorbtie a ABN Amro. Actiunile bancii se ieftinisera, la sfarsitul saptamanii trecute, pana la un nivel minim neatins de 15 ani.</p>
<p>Un plan de salvare elaborat in graba de autoritatile belgiene, olandeze si luxemburgheze prevede nationalizarea partiala a Fortis. Fiecare stat preia o participatie de 49% din activitatile grupului desfasurate pe teritoriul sau, pentru o suma totala de 11,2 miliarde euro.</p>
<p>Potrivit presei, banca olandeza <strong>ING</strong> este interesata sa cumpere ABN Amro pentru 10 miliarde euro. Aceasta ar fi o solutie ce ar satisface opinia publica, salariatii si clasa politica ingrijorata ca ar putea vedea aceasta adevarata perla a economiei olandeze trecand in mainile strainilor.</p>
<p>Luni, directorul executiv al Fortis, Filip Dierckx a afirmat ca "<em>momentul ales pentru oferta de cumparare a ABN Amro a fost, clar, unul prost</em>". Partenerul Fortis, Royal Bank of Scotland (RBS), lansase, in aprilie, o majorare de capital record in Marea Britanie, de 12 miliarde lire sterline (15 miliarde euro). "<em>Am platit un pret foarte ridicat pentru ABN Amro</em>", au afirmat reprezentantii RBS.</p>
<p>ABN Amro este prezenta in Romania din noiembrie 1995 si activeaza in 15 orase. Activitatile desfasurate de banca olandeza in Romania au fost preluate pe parcurs de Royal Bank of Scotland, motiv pentru care noua vanzare a Fortis nu afecteaza in mod direct subsidiara din Romania a ABN.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Fortis gered! Hoe reageert de beurs?]]></title>
<link>http://financieren.wordpress.com/?p=8</link>
<pubDate>Fri, 03 Oct 2008 19:30:52 +0000</pubDate>
<dc:creator>verstandiggeldlenen</dc:creator>
<guid>http://financieren.it.wordpress.com/2008/10/03/fortis-gered-hoe-reageert-de-beurs/</guid>
<description><![CDATA[Vandaag werd verrassend bekend gemaakt dat de Fortis Bank en uiteindelijk ook ABN Amro gered worden ]]></description>
<content:encoded><![CDATA[<p>Vandaag werd verrassend bekend gemaakt dat de Fortis Bank en uiteindelijk ook ABN Amro gered worden door de Nederlandse en Belgische regering.</p>
<p>In eerste instantie dacht iedereen dat beide banken al gered werden door het eerste plan waarbij beide regeringen en die van Luxemburg deels eigenaar werden van de banken. Maar afgelopen weken bleven voornamelijk zakelijke klanten weglopen waren de nieuwe miljarden dus alweer verdwenen.</p>
<p>Er moest dus snel iets gebeuren en in het diepste geheim werd er een nieuw plan gemaakt waardoor de banken volledig staatsbezit zijn geworden. Hierdoor zijn alle spaarders volledig verzekerd van volledig staatssteun inplaats van alleen de eerste 20.000 euro. Hopelijk kunnen we nu weer rustig <a href="http://voordeligsparen.expertpagina.nl/">sparen</a>.</p>
<p>Heel handig hebben ze het nieuws vrijdag aan het eind van de dag bekend gemaakt. Zo kunnen de gemoederen om de banken tot bedaren komen. Maar het blijft spannend hoe de <a href="http://beurs.expertpagina.nl">beurs</a> maandag zal reageren en wat er met de <a href="http://opties.startkabel.nl">aandelen</a> van Fortis en ABN Amro gaat gebeuren. Misschien nu maar <a href="http://obligaties.startkabel.nl">obligaties</a> van de staat nemen dan maar, want die moeten warschijnlijk driftig gaan <a href="http://lenen.startmenus.nl">geld lenen</a> bij het volk.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Nederland koopt Fortis voor 16.8 Miljard !]]></title>
<link>http://wilpetri.wordpress.com/?p=2692</link>
<pubDate>Fri, 03 Oct 2008 16:33:59 +0000</pubDate>
<dc:creator>wilpetri</dc:creator>
<guid>http://wilpetri.it.wordpress.com/2008/10/03/nederland-koopt-fortis/</guid>
<description><![CDATA[Yves Leterme heeft bekend gemaakt dat België en Luxemburg Fortis inclusief Abn Amro overdragen aan ]]></description>
<content:encoded><![CDATA[<p><img class="alignleft" src="http://wilpetri.files.wordpress.com/2008/09/leterme.jpg?w=127&#38;h=82" alt="" width="127" height="81" />Yves Leterme heeft bekend gemaakt dat België en Luxemburg Fortis inclusief Abn Amro overdragen aan Nederland..<a href="http://www.hln.be/hln/nl/957/Belgie/article/detail/438834/2008/10/03/Nederland-koopt-Fortis.dhtml" target="_blank">lees meer </a>©Hln</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Crisis? What Crisis!]]></title>
<link>http://markusvrieling.wordpress.com/?p=21</link>
<pubDate>Thu, 02 Oct 2008 10:57:24 +0000</pubDate>
<dc:creator>markusvrieling</dc:creator>
<guid>http://markusvrieling.it.wordpress.com/2008/10/02/crisis-what-crisis/</guid>
<description><![CDATA[Do we have the global financial crisis we all have been fearing for? Well in my opinion not yet and ]]></description>
<content:encoded><![CDATA[<p><em>Do we have the global financial crisis we all have been fearing for? Well in my opinion not yet and not at all. Yes, in America they have a problem, but that can and will be solved. In Europe? No, we do not have at all.</em></p>
<p><a title="Crisis what crisis" href="http://markusvrieling.wordpress.com/crisis-what-crisis/" target="_self">read more</a></p>
<p>Original article inspiring me to write the above: <a title="How come financial crisis? (NL)" href="http://www.telegraaf.nl/binnenland/2087709/__Hoezo_financiele_crisis___.html?p=4,2" target="_blank">De Telegraaf.nl</a></p>
<p><em></em></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Fortis gered, ABN Amro te koop ]]></title>
<link>http://evestorblog.wordpress.com/?p=627</link>
<pubDate>Tue, 30 Sep 2008 10:15:27 +0000</pubDate>
<dc:creator>Evestor - Admin</dc:creator>
<guid>http://evestorblog.it.wordpress.com/2008/09/30/fortis-gered-abn-amro-te-koop/</guid>
<description><![CDATA[Afgelopen weekend vond er in Nederland en België topoverleg plaats over de in problemen geraakte ba]]></description>
<content:encoded><![CDATA[<p>Afgelopen weekend vond er in Nederland en België topoverleg plaats over de in problemen geraakte bankverzekeraar Fortis. Zondagavond werd er na lang en intensief overleg een besluit genomen. De overheden van Nederland, België en Luxemburg zullen ieder een belang nemen in Fortis. Totaal wordt er door de drie Beneluxlanden meer dan 11 miljard euro in Fortis geïnvesteerd. Nederland betaalt daarvan 4 miljard euro in ruil voor een belang van 49 procent in de Nederlandse banktak van Fortis.</p>
<p>Het reddingsplan waarmee Nederland, België en Luxemburg ruim 11 miljard in de bank pompten nam de onrust onder beleggers niet weg. Het aandeel Fortis ging...</p>
<p>Lees de rest van: <a href="http://www.evestor.nl/?&#38;page=publicaties&#38;mode=artikelen&#38;articleid=37">Fortis gered, ABN Amro te koop </a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Kredietcrisis? De Nederlanden één!]]></title>
<link>http://yvespernet.wordpress.com/?p=628</link>
<pubDate>Sun, 28 Sep 2008 23:06:29 +0000</pubDate>
<dc:creator>yvespernet</dc:creator>
<guid>http://yvespernet.it.wordpress.com/2008/09/29/kredietcrisis-de-nederlanden-een/</guid>
<description><![CDATA[
http://www.deredactie.be/cm/de.redactie/economie/080928_Fortis_spoedberaad
zo 28/09/08 23:39 - De B]]></description>
<content:encoded><![CDATA[<p style="text-align:center;"><img class="alignnone" src="http://www.hln.be/static/FOTO/pe/18/1/11/large_504221.jpg" alt="" width="465" height="437" /></p>
<p><a href="http://www.deredactie.be/cm/de.redactie/economie/080928_Fortis_spoedberaad">http://www.deredactie.be/cm/de.redactie/economie/080928_Fortis_spoedberaad</a></p>
<p style="padding-left:30px;"><em>zo 28/09/08 23:39 - De Belgische, Luxemburgse en Nederlandse overheid investeren 11,2 miljard euro in bankverzekeraar Fortis. Dat heeft premier Yves Leterme (CD&#38;V) meegedeeld na een weekend intens overleg over het lot van de bankverzekeraar.<br />
De regering was vanavond in crisisberaad bijeengekomen. Ze wilde absoluut een oplossing uitwerken voor de Aziatische beurzen opengaan.</em></p>
<p style="padding-left:30px;"><em>De Belgische overheid gaat 4,5 miljard euro in Fortis stoppen, de Nederlandse overheid evenveel en Luxemburg 2,5 miljard. </em></p>
<p style="padding-left:30px;"><em>De voorzitter van de raad van bestuur, Maurice Lippens, stapt op.  De regering zal een zeg hebben in zijn opvolging.</em></p>
<p style="padding-left:30px;"><em>Fortis zou ook verplicht worden ABN-Amro te verkopen, al is het nog niet duidelijk aan wie of tegen welke prijs.</em></p>
<p style="padding-left:30px;"><em>Ruim overleg<br />
Aan het  regeringsoverleg namen ook Jean-Claude Trichet van de Europese Centrale Bank, Guy Quaden van de Nationale Bank en de Nederlandse minister van Financiën Wouter Bos deel.</em></p>
<p style="text-align:justify;">Het is duidelijk dat de kredietcrisis een internationaal fenomeen is, veroorzaakt door de geldzucht van een kleine schare kapitalisten. Maatregelen beperken tot de huidige staatsgrenzen is dan ook ronduit belachelijk. Wat positief is aan deze crisis is dat men blijkbaar begin in te zien dat de Lage Landen sterker verenigd staan dan verdeeld. De huidige crisis heeft geen baat aan belachelijke separatistische projecten die enkel gevoed worden door een kleine kliek, laten we eindelijk een einde maken aan het Belgische separatistische avontuur, dat enkel voor verdeeldheid en haat heeft gezorgd. Laten we eindelijk de Nederlanden herenigen en laten we manifest kiezen voor de verenigde Lage Landen.</p>
<p style="text-align:justify;">NEEN aan het Belgisch separatisme; de Nederlanden één!</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Miljardennota]]></title>
<link>http://omtersaaist.wordpress.com/2008/09/28/miljardennota/</link>
<pubDate>Sun, 28 Sep 2008 22:29:07 +0000</pubDate>
<dc:creator>pieterr</dc:creator>
<guid>http://omtersaaist.net/2008/09/28/miljardennota/</guid>
<description><![CDATA[   
Ik blijf het fascinerend vinden&#8230;  Handkrabbels op een Word documentje&#8230;  Over iets wa]]></description>
<content:encoded><![CDATA[<p><a href="http://farm4.static.flickr.com/3046/2896781638_949680d70b_o.jpg" target="_blank"><img src="http://farm4.static.flickr.com/3046/2896781638_e84eb6e182.jpg" /> </a>  </p>
<p>Ik blijf het <a href="http://www.standaard.be/Artikel/Detail.aspx?artikelId=DMF28092008_054&#38;kanaalid=9" target="_blank">fascinerend</a> vinden...  Handkrabbels op een Word documentje...  Over iets wat je een paar maand geleden voor 24 miljard € gekocht hebt en nu voor een miljard of tien weer moet verkopen.  Omdat het financieel wat tegenzit.  </p>
<p>(Zou dit een <a href="http://omtersaaist.net/2007/11/17/schootnotacommunicatie-5-vuistregels-voor-succes/" target="_blank">bewuste communicatie</a> zijn geweest?)</p>
<p>Oh ja, de vakbonden zijn tevreden.  Ze werken weer voor de Staat!</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Fortis omgevallen...?]]></title>
<link>http://guvenontour.wordpress.com/?p=5</link>
<pubDate>Sun, 28 Sep 2008 19:57:01 +0000</pubDate>
<dc:creator>guvenologie</dc:creator>
<guid>http://guvenontour.it.wordpress.com/2008/09/28/fortis-omgevallen/</guid>
<description><![CDATA[Het topoverleg over de toekomst van het    Belgisch-Nederlandse bank- en verzekeringsconcern Fortis ]]></description>
<content:encoded><![CDATA[<p>Het topoverleg over de toekomst van het    Belgisch-Nederlandse bank- en verzekeringsconcern Fortis is vanmiddag nog    altijd gaande. De centrale banken van beide landen plus de minister van    Financiën proberen een oplossing te vinden voor de grote problemen van    Fortis.</p>
<p>Inmiddels doen verschillende scenario's de rond over de toekomst van Fortis.    Het Financieele Dagblad rept op basis van informatie ‘van ingewijden’ over    een eventuele verkoop van ABN Amro Nederland. Andere mogelijkheden zijn dat    Fortis in zijn geheel wordt overgenomen of in delen wordt verkocht. De    Standaard zegt te weten dat de Nederlandse bankverzekeraar ING en de Franse    bank BNP Paribas nauw bij de lopende onderhandelingen zijn betrokken.</p>
<p>Fortis kaapte vorige jaar -met een vijandelijke bod- de Nederlandse ABN Amro bank van de concurrent Britse Barclays om in Nederland een grote speler te worden op gebied van private banking, consumentenbank en kredit en belleggingsbankier te worden.</p>
<p>Door de financiële crisis wereldwijd heeft de Fortis helaas niet lang van kunnen genieten. Deels door strategische fouten met beleggingen en hypotheeken deels door een maat te grote concurrent te hebben overnemen heeft de Belgisch-Nederlandse Fortis grote deel van haar spaarvermogen en bedrijfswaarde moeten zien verdampen. Dit kan ook concluderen dat er -hard maar niet onrechtmatig- een einde is gekomen aan de durfinvesteerder.</p>
<p>De topoverleg waar Minister Bos van Financiën, directeur van de Nederlandsche Bank (DNB), directie van de Fortis en de Belgische ministers zijn nog gaande. Ondertussen zijn de signalen al gegeven dat de Fortis eigenlijk al omgevallen is. De details zullen dan ook morgen worden bekendgemaakt door de minister danwel de bestuursvoorzitter van Fortis.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Fortis - Y a-t-il un pilote dans l'avion?]]></title>
<link>http://fitman.wordpress.com/?p=576</link>
<pubDate>Sat, 27 Sep 2008 15:42:24 +0000</pubDate>
<dc:creator>JF</dc:creator>
<guid>http://fitman.it.wordpress.com/2008/09/27/fortis-y-a-t-il-un-pilote-dans-lavion/</guid>
<description><![CDATA[L&#39;ex-nouveau CEO de Fortis...
Fortis n&#8217;en finit pas de défrayer la chronique, malheureuse]]></description>
<content:encoded><![CDATA[[caption id="attachment_577" align="alignleft" width="250" caption="L&#39;ex-nouveau CEO de Fortis..."]<a href="http://fitman.files.wordpress.com/2008/09/20250jpeg.jpg"><img class="size-full wp-image-577" title="20250jpeg" src="http://fitman.wordpress.com/files/2008/09/20250jpeg.jpg" alt="L'ex nouveau CEO de Fortis" width="250" height="166" /></a>[/caption]
<p>Fortis n'en finit pas de défrayer la chronique, malheureusement pour ses actionnaires et clients, dans le mauvais sens du terme...</p>
<p>D'abord, il y a ce remplacement de Jean-Paul Votron - accusé de tous les maux, et surtout celui de <span style="text-decoration:line-through;">ne pas</span> mal communiquer - par Herman Verwilst, vieux de la vieille (ah bon c'était une garantie??) et quasi intrônisé comme chevalier blanc.</p>
<p>Celui-ci a sans nul doute égalé les performances de son prédécesseur en termes de communication. Hier lors d'une interview radiophonique, il n'a pas hésité à lancer : "mais voyons mon bon monsieur, une entreprise de notre taille, avec autant d'employés ne tombe pas en faillite comme ça...".</p>
<p>Ah bon? C'est nouveau ça... Pour avoir une faillite en bonne et due forme, il suffit que les créanciers de la banque (clients en dépôts, fournisseurs, prêteurs, ...) réclament leur argent et que Fortis soit dans l'impossibilité de payer - ce qui parait loin d'être surréaliste par les temps qui courent... Et en fait de taille de la société, Mr Verwilst peut se renseigner auprès des employés d'Alitalia, d'Enron et de MCI, la taille - comme toujours :-D - n'a pas d'importance!</p>
<p>En termes de communication c'est un désastre, et ce n'est vraiment pas le seul, il suffit de Googler "Fortis nouvelles" pour s'en rendre compte... À ce niveau, ne pas engager un éminent conseiller en communication - au vu du contexte actuel - relève non plus de l'amateurisme, mais bien de la faute professionnelle!</p>
[caption id="attachment_578" align="alignright" width="250" caption="Le nouveau nouveau CEO de Fortis..."]<a href="http://fitman.files.wordpress.com/2008/09/40250jpeg.jpg"><img class="size-full wp-image-578" title="40250jpeg" src="http://fitman.wordpress.com/files/2008/09/40250jpeg.jpg" alt="Le nouveau nouveau CEO de Fortis..." width="250" height="166" /></a>[/caption]
<p>Et il semble que la direction de Fortis s'en soit rendue compte : après deux petits mois, exit Herman Verwilst (un record, encore un!) pour faire place à un nouveau chevalier blanc (si, si, on vous le jure!) : Filip Dierkcx, un des ténors de la branche bancaire du groupe.</p>
<p>On lui souhaite déjà bonne chance, il va en avoir bien besoin! Entre les spéculations de rachat, de faillite, d'incapacité à intégrer ABN-Amro et les investisseurs, clients et créanciers à rassurer; il va avoir l'occasion de démontrer tous ses talents...</p>
<p>Que va devenir l'ex-fleuron de la finance Belge? Bien malin qui aujourd'hui peut le dire... Il semble raisonnable d'envisager une réduction significative de la voilure : vente d'actifs, concentration sur les métiers de base et sans doute restructuration. Une chose est clair, le bout du tunnel semble encore bien loin...</p>
<p>Quand on voit ce qu'on a pu enquiquinner - le mot est faible - Didier Bellens ces derniers mois au sujet de son bilan - pourtant plus que positif - à la tête de Belgacom, c'est - vous me pardonnerez l'expression - à pisser de rire!</p>
<h6 style="text-align:center;">Photos empruntées au site de <a href="http://www.lecho.be" target="_blank">L'Echo</a>.</h6>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Everything is relative...]]></title>
<link>http://lifeattheextreme.wordpress.com/?p=39</link>
<pubDate>Fri, 26 Sep 2008 06:17:23 +0000</pubDate>
<dc:creator>edward</dc:creator>
<guid>http://lifeattheextreme.it.wordpress.com/2008/09/26/everything-is-relative/</guid>
<description><![CDATA[You probably have all heard of the most classic example to make that point. If you haven&#8217;t, bu]]></description>
<content:encoded><![CDATA[<p>You probably have all heard of the most classic example to make that point. If you haven't, buckle up!</p>
<p>If you are walking at 5 km/h on a train that is moving at a 150km/h, your speed is 5 km/h in relation to another passenger sitting down on the train but your speed is 155km/h for someone sitting in a car at the railcrossing watching the train pass by. depending on your point of reference, the speed is different. Everything is relative!</p>
<p>Now why would I bring up this topic, well, simply because Mike Sanderson (winner of Volvo Ocean Race 2005-2006 with ABN AMRO 1) put this into perspective with the new fleet. He said that the difference between ABN AMRO 1 and the other boats in last race was bigger than the difference between Delta Lloyd (same boat) and the rest of the fleet this year. So what does this mean? Same boat, different differences... Everything is relative!</p>
<p>Moral: Don't condemn Team Delta Lloyd, I think they will surprise us!</p>
<p>Ciao!</p>
<p>/E</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Tabel Cicilan KTA HSBC Sesuai Besar Pinjaman dan Tenor]]></title>
<link>http://solusipinjaman.wordpress.com/?p=32</link>
<pubDate>Wed, 24 Sep 2008 05:43:01 +0000</pubDate>
<dc:creator>solusipinjaman</dc:creator>
<guid>http://solusipinjaman.it.wordpress.com/2008/09/24/tabel-cicilan-kta-hsbc-sesuai-besar-pinjaman-dan-tenor/</guid>
<description><![CDATA[

     =================================================
Utk Keterangan dan Bantuan, segera hub:
Boy]]></description>
<content:encoded><![CDATA[<p style="text-align:center;"><a href="http://solusipinjaman.files.wordpress.com/2008/09/tblcicilan1.jpg"><img class="size-medium wp-image-33 aligncenter" title="tblcicilan1" src="http://solusipinjaman.wordpress.com/files/2008/09/tblcicilan1.jpg?w=194" alt="" width="400" height="600" /></a></p>
<p class="MsoNormal" style="line-height:150%;">
<p>     =================================================</p>
<p class="MsoNormal" style="line-height:150%;">Utk Keterangan dan Bantuan, segera hub:<br />
Boy ( <strong><span style="font-size:14pt;line-height:150%;">021-9872-0287 </span></strong>)</p>
<p class="MsoNormal" style="line-height:150%;"><!--[if gte mso 9]&#62;  Normal 0   false false false        MicrosoftInternetExplorer4  &#60;![endif]--><!--[if gte mso 9]&#62;   &#60;![endif]--> <span style="font-size:12pt;font-family:&#34;">atau Email ke : <a href="mailto:kta4.you@yahoo.com?subject=Info%20KTA">kta4.you@yahoo.com</a></span></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[AEX ontsnapt aan melt down]]></title>
<link>http://evestorblog.wordpress.com/?p=540</link>
<pubDate>Mon, 22 Sep 2008 08:58:28 +0000</pubDate>
<dc:creator>Evestor - Admin</dc:creator>
<guid>http://evestorblog.it.wordpress.com/2008/09/22/aex-ontsnapt-aan-melt-down/</guid>
<description><![CDATA[De AEX vloog vrijdag als een raket omhoog: +8,6% op 380,57 punten. Deze forse stijging staat in schr]]></description>
<content:encoded><![CDATA[<p>De AEX vloog vrijdag als een raket omhoog: +8,6% op 380,57 punten. Deze forse stijging staat in schril contrast met vrije val die de AEX eerder deze week maakte. Vooralsnog is de daling ‘beperkt' gebleven tot circa 350 punten. Vooralsnog is een verdere daling richting 300 punten afgewend. Dit niveau correspondeert met het koersdoel uit hoofde van het hoofdschouderpatroon (op weekbasis). Dankzij kunst- en vliegwerk door de Amerikaanse overheid en de (mondiale) centrale banken kon ternauwernood een verdere krach voorkomen. Hoewel de recente herstelbeweging fors mag worden genoemd, blijven de seinen voor de lange termijn wel op rood staan. Het duurt immers nog wel een hele tijd voordat de dalende trend vanaf vorig jaar wordt verlaten.</p>
<p>Beleggers reageerden vrijdag euforisch op het nieuws dat de overheid in de VS werkt aan de creatie van een nieuw fonds waarin financiële instellingen hun illiquide bezittingen kunnen deponeren. Bovendien zorgden de maatregelen van de Amerikaanse en Britse beurswaakhonden om short selling tegen te gaan voor fors stijgende aandelenkoersen. Door het short gaan (verkopen van aandelen die niet in bezit zijn om in de toekomst goedkoper terug te kopen) te verbieden komt er minder verkoopdruk op aandelen. Bovendien zorgden deze maatregelen ervoor dat partijen die short zaten, de aandelen terug moesten kopen. Het is dan ook niet verwonderlijk dat vrijdag vooral de zwaargehavende financiële waarden van deze ontwikkelingen profiteerden. De koersen van de financials zijn het afgelopen jaar gedecimeerd vanwege de kredietcrisis. Aegon en ING stegen meer dan 20% en Fortis boekte een koerswinst van ruim 17%.</p>
<p>Lees de rest van: <a title="AEX ontsnapt aan melt down" href="http://www.evestor.nl/?&#38;page=nieuwsbrief&#38;mode=partners&#38;partnerid=1&#38;newsid=213">AEX ontsnapt aan melt down</a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[9/19/08...from the ridiculous to the sublime]]></title>
<link>http://traderbill.wordpress.com/?p=559</link>
<pubDate>Fri, 19 Sep 2008 12:34:17 +0000</pubDate>
<dc:creator>traderbill</dc:creator>
<guid>http://traderbill.it.wordpress.com/2008/09/19/91908from-the-ridiculous-to-the-sublime/</guid>
<description><![CDATA[(To all of you who wrote yesterday on the column, TB sincerely thanks you&#8230;Bruce, you are goin]]></description>
<content:encoded><![CDATA[<div><em>(To all of you who wrote yesterday on the column, TB sincerely thanks you...Bruce, you are going to get a reply today...it is a testament to the troubled times we live in as so many are seeking information...hits to the Blog have doubled this week including two record days...and there is so much misinformation and disinformation out there. TB collapsed into slumber at 8pm and woke up at 2am...it's getting better...wife was awake and so we discussed her concerns...she is the one who for as long as we have known one another calls the stock market 'gambling'. TB modified that to 'casino' due to the naked shorts and McCain actually said that yesterday!  Many thanks!</em></div>
<div> </div>
<div> </div>
<div>..the debate goes on: to short or not to short, or more accurately to allow naked shorting or just covered shorts. Why is this so difficult? John McCain finally checked in on it and TB thinks someone handed him one of the recent TB columns. He said that speculators and hedge funds by naked shorting have turned the stock market into a "casino" and that the regulators "were asleep at the switch," and that specifically the SEC is mandated to regulate the financial markets and that Chairman Cox "breached the public trust" and that if he were President now he "would fire him." (Only the last two comments aren't TB's, didn't have the guts to say that)</div>
<div> </div>
<div>Inflation is hell...you sure don't get much for $180 billion these days. In a coordinated move by all the major central banks plus $58 billion by the Fed to brokers and another $28 billion to AIG, all they could do was get the Dow up about 170 and it barely held. THEN, they started shorting the venerable Goldman as well as State Street Trust and poor old Morgan Stanley. Finally, enough was enough. The BOE banned naked short selling in the UK.</div>
<div> </div>
<div>TB has made it perfectly clear that he is <em>not </em>opposed to short selling. Short sellers <em>who cover their shorts </em>due the market a favor...think of Bill Fleckenstein on the GSE's and other stocks he has written about. But TB loathes the parasites...the bullies who tell brokers they have arranged to borrow the stock (which they may have done by all asking the custodians if the stock is available (wink), then when they go to borrow it, miraculously it is gone so they are naked. As Forrest Gump would say, "naked is as naked does"...so cover your shorts fool! This is where the SEC failed its responsibility and Chris Cox, like Nero fiddled while the market burned (actually Nero did not play the fiddle as that was happening but Cox may have done so or something similar). The sad part is that the villains have convinced so many, especially the malleable young that there is no difference and in a capitalist society you should be able to do anything you wish...even if it is at the risk of collapse of the entire global financial system.</div>
<div> </div>
<div>Consider that even after the combined addition of over $200 BILLION, the stock market climbed slowly then paused and failed. Only after several pension funds said they would no longer lend Goldman or Morgan Stanley stock, and various other entities including the Bank of England banned naked short selling of financial stocks...while Elliott Spitzer clone, Andrew Cuomo imposed a ban on the financial stocks on the original SEC list (what authority does he have to do this?), did the stock market rally...410 points or the most in six years...never mind that we have had declines of 500 and 490 points this week and that yesterday's rally, while TB would call it a 'capitulation trade', did not even recover all of the prior days move and in fact virtually every sector except financials (ex-brokers) did not even recover the prior day's loss or merely offset it. TB believes the quarterend activity we have seen for the last three quarters (see yesterday's column) will recur <em>but </em>this time the hedge funds will not be <em>shorting </em>after next Thursday but continuing to deleverage (either voluntary or forced), so there will be high risk over quarterend and until payrolls the following Friday. Then...you could get a very strong rally that could last past the elections but to TB's way of thinking will peak before yearend.</div>
<div> </div>
<div>Overnight Globex futures have the DOW +304, SPX +46; NDQ +44. We may being seeing records for the overnight session here as the FTSE has been up over 400 points or about 8%, the depressed Hang Seng and mainland China +10% and virtually every major bourse up at least 5%. But beware that not only is today options expiry in the US (quadruple witching), but draconian rules on shortselling are being imposed that is causing the hedge funds to cry foul...and yell 'socialist.' Be careful what you wish for as pain inflicted on hedge funds can more than offset the gains in the traditional portfolios of pension funds. Yet short term, this <em>may </em>stabilize the markets, but what are the longer term implications?</div>
<div> </div>
<div>Also overnight the Lloyds Bank TSB takeover of troubled mortgage lender HBOS was sealed making Gordon Brown a hero and giving him the highest popularity levels of a PM since Margaret Thatcher! This follows the meeting of Paulson, Bernanke and leading members of Congress to hatch an RTC clone to take over problem assets...while the details aren't clear the idea is to take troubled assets off the books of financial institutions at current market value...then slowly sell them off. By effectively putting in a 'floor' the assets should climb in value and recoup some of the cost (most?). This is because we own the biggest printing press for currency the world has ever seen...note however this is not the 'sterilized' lending that has been done so far and will be inflationary so even if they recoup all costs it will be amortized thru inflation to the taxpayers...not good but would you prefer the alternative? Also at the meeting was a very haggard Chris Cox...looking as one might after a 40 years sleep and a far cry from the dapper man addressed as 'the honorable Mr. Cox' at the Senate hearing less than two months ago. He looked very glum...you might too knowing that regardless of which candidate wins you are out of a job and worse will go down as the worst SEC Chairman in history.</div>
<div> </div>
<div>Now lets look at some of the issues TB follows...TB has liked preferred stock...sound companies with great dividend yields...including banks like USB, WFC, Royal Bank of Scotland, ABN-AMRO and others and sound industrials and utilities like GE, AT&#38;T and others. The baby was thrown out with the bath water as they were trashed across the board...this is similar to what happened in July as the market bottomed and provided huge returns in the wake which were then wiped out again this week. Royal Bank of Scotland 6.75% declined by 36% from Monday to Wednesday to $7.98, a yield of 21% then rallied yesterday to $13.20 for a gain of 65% and now yield 12.8%...recent price was $22; ABN-AMRO 5.90% fell 41% to $6.71, a 22% yield then rallied back by 67% to $13.20 and is now yielding 12.8%...get the picture? Think, if these banks are out of business your money...any currency...is worth zip...so forget hiding it under your mattress. Remember preferreds are thinly traded and very volatile.</div>
<div> </div>
<div>Another stock TB follows is CapitalSource (CSE), a lender to small and medium sized businesses. Over the past 12 months the stock is -32% but due to a big dividend if reinvested it would be -23%. Recently it slumped after having gotten back to $16.77 on 6/7 but then they announced earnings which were fine but that due to the acquisition of Fremont Bank they would start paying a normal dividend. The stock dropped to $9.61 on July 15 after paying the dividend and had gotten back to $13. Ironically, the stock has held its value despite about 13% short interest and after trading to just below $11 Wednesday rallied to $13.50 yesterday. This is the world we live in...there are opportunities.</div>
<div> </div>
<div>Note that while TB owns the above stocks he makes no recommendations on them they are only shown to point out the fact that these are irrational markets. They will continue to be irrational as leverage is unwound. Consider that brokers have only gone from about 40x leverage to an estimated 25x so there is much more to come and outright selling due to deleveraging can be just as damaging as short-selling.</div>
<div> </div>
<div>Here are a few bizarre things TB has noticed:</div>
<div> </div>
<div>*Auction rate securities: good tax-exempts (those with solid underlying credit ratings), are providing yields of 6% plus...tax free...Lehman is no longer trading and can only 'roll' clients positions. If a holder wants to put or someone wants to buy they are referred to one of the other auction agents on that security...what a mess.  </div>
<div> </div>
<div>*Money Market funds. First, the Reserve Fund 'broke the buck' with huge net withdrawals and $785 million of Lehman paper and had to suspend redemptions for seven days...after that there <em>would </em>have been a run. Yesterday Putnam broke the buck and is closing down their fund and returning the money to investors but will make them whole, and BNY/Mellon broke it but will put up collateral. Schwab went to great lengths to show they hold no AIG or Lehman paper and only some Merrill tender option bonds which are not at risk in TB's opinion due to the BofA buyout (TB ran into an old friend and institutional options specialist for Merrill who he found out left and joined JPM in November but was just laid off. He said that Merrill would have been out of business this week without the BofA buyout...TB queried him on this and he vehemently insisted that would have happened...shocking). Overnight, the Fed announced they would offer insurance to money market funds for a fee to purchase collateral to maintain the $1. This is huge since a fund that breaks the buck and can't anti-up collateral becomes mutual fund and we could have had an epidemic of failures. Therefore as securities mature they are being replaced with T-Bills. TB believes this is why short T-Bill yields are virtually zero and have briefly traded at a small premium...watch the Bill market closely for clues. Had the Fed not done this the commercial paper market would have collapsed causing even sound companies to be at risk of defaulting on obligations.</div>
<div> </div>
<div>*T-Bills. As stated above the yields on short bills are near zero even as supply is increasing. Some have even traded below zero to a premium, an event that has only happened once in US history in 1934. Even the longest bills, from June '09 out to 8/27 are yielding less than 0.5%. </div>
<div> </div>
<div>*Options expiry. A ban has been placed on shorting 799 financial stocks...what a day to do this. We are not talking about naked shorting but any shorting...a very bad idea as it will drive prices way above fair value and cause dislocations...another reason TB believes wherever the market rallies it will be lower by September 30...you can stop shorting but you cannot stop selling, especially by funds forced de sharply reduce leverage. Make sure you are comfortable with everything you own and if not this is the selling opportunity of a lifetime...ultimately we are near the buying opportunity of a lifetime...in the right stocks.</div>
<div> </div>
<div>*Long term performance. Based on performance during the recent selloff large caps have offered less protection than smaller stocks. Also, except for one day in the selloff, value has outperformed growth. Yesterday, value stocks in every size category outperformed growth by more than 200 basis points! To TB this is entirely rational and also that solid dividend payers should outperform everything...just an opinion but TB firmly believes in reversion to the mean and we have had excessive growth in both the economy and stocks and are still above the long term trendline on the S&#38;P (about 1000) and Dow (8000). This is not to say they have to fall this far but one should not argue stocks are 'cheap' here. Also, despite the strong growth in the economy until last year savings are negative, debt levels and consumption are off the charts, and real wage increases have been nonexistent for a decade! Add to this the collapsing housing market which can only continue with reduced credit and that will lower long term growth of the overall US and global economy...after all, we are the biggest consumers in the world. </div>
<div> </div>
<div>One has to wonder what would have happen if 15 months ago modifying the uptick rule to 10 ticks to compensate for decimals rather than eighths, and coming down hard and fast on naked shorts might have altered the picture. While TB blames Alan Greenspan for not having the guts to sound the alarm on subprime lending, and Congress created the problem in 1999 and failed to set up procedures to protect us, one man could have made a difference...Christopher Cox...but for one reason or another that defies comprehension he waited until it was too late. Had he acted, even Bear Stearns might have survived, as well as Lehman and AIG. The only positive here is that without his shameless neglect we might have gone back to business as usual. But given the massive losses incurred in the derivatives market that is doubtful. Hopefully at least we are now on the right track but improvement will be at the pace of a wounded snail.   </div>
<div>
<div><span style="font-size:small;font-family:Times New Roman;">It is a much brighter day today...we have staved off disaster...but it will take years, and decades to get back on track. Worse, those who have lost their nest eggs and are at retirement age may never regain them. If it is the top 20% (?) that hold 95% of the assets in this country, the recent stock market losses have done serious harm. Whereas the housing crisis affected mostly the lower 80%, it is the stock market that impact the wealthy. Note how well the New York City housing market held up while the rest of the country tumbled...now due to Wall Street's woes it is being impacted heavily. Changes in the way compensation is paid out will make it a long haul to turn it around. A friend sells jewelry to very wealthy people in New York City...she had several of her clients say over the past week that they aren't buying due to stock market losses. We need change and quickly...can Obama or McCain deliver better on their promises...you decide but consider thoroughly before you cast your vote...the future depends on it.</span></div>
<div> </div>
<div><span style="font-size:small;font-family:Times New Roman;">Hope you all have a great weekend and at least feel we have stepped back from the brink.</span></div>
<div> </div>
<div><span style="font-size:small;font-family:Times New Roman;">TB</span></div>
<p> </p>
<p><strong><em></em></strong></p>
<p><span style="font-size:x-small;font-family:Arial;"><span style="font-size:10pt;font-family:Arial;"><span style="font-size:10pt;font-family:Arial;"><span style="font-size:10pt;font-family:Arial;"></span></span></span></p>
<p></span></div>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Good Morning Sir. I'm... ]]></title>
<link>http://maxmayur.wordpress.com/?p=361</link>
<pubDate>Wed, 17 Sep 2008 10:43:12 +0000</pubDate>
<dc:creator>mayurpathak</dc:creator>
<guid>http://maxmayur.it.wordpress.com/2008/09/17/good-morning-sir-im/</guid>
<description><![CDATA[  
This is a notice to all those who call me or would like to call me. If your number is not saved o]]></description>
<content:encoded><![CDATA[<p>:mad:</p>
<p>This is a notice to all those who call me or would like to call me. If your number is not saved on my mobile phone, please start your conversation with "hello Mayur?, Hi this is..." If you try speaking the way this post is titled, it is unlikely that you will receive a polite response. I don't like answering scores of cold calls, being called sir and I will infer you are a scape goat of a multinational bank who hired you to increase my debt burden. Now my friend Kaustubh might say I'm a popular guy. However I'm deeply and truly sick of executives calling me everyday to sell credit cards, personal loans, club memberships, travel packages, apparels and what not. (tags represent a partial list)</p>
<p>If you want to sell me some thing, send me an email with colors and graphics added. Write in couple of sentences why should I be buying whatever you sell or make. I might listen and try to be polite then.</p>
<p>PS: Guys/Gals reading this post who are engaged in activities such as tele calling might feel hurt. But I can't help. Tell your banks there are better ways to sell money and comment here so that I can offer help as well as a small sorry.</p>
<p>PPS: For troubled guys like me, you have my full sympathies.</p>
<p><a href="http://maxmayur.wordpress.com/files/2008/09/cold-call.jpg"><img class="alignnone size-full wp-image-366" title="cold-call" src="http://maxmayur.wordpress.com/files/2008/09/cold-call.jpg" alt="" width="510" height="367" /></a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Ambil duitnya Menangkan Hadiahnya!!!]]></title>
<link>http://solusipinjaman.wordpress.com/?p=18</link>
<pubDate>Wed, 17 Sep 2008 02:06:44 +0000</pubDate>
<dc:creator>solusipinjaman</dc:creator>
<guid>http://solusipinjaman.it.wordpress.com/2008/09/17/ambil-duitnya-menangkan-hadiahnya/</guid>
<description><![CDATA[Bayar Kartu Kredit &amp; Personal Loan HSBC Anda di ATM Bersama/ATM HSBC
Menangkan 1 Yamaha Mio,5 Sa]]></description>
<content:encoded><![CDATA[<p><a href="http://www.hsbc.co.id/1/2/miscellaneous_in_ID/pay-and-win-promo-id" target="_blank"><span style="font-size:x-medium;">Bayar Kartu Kredit &#38; Personal Loan HSBC Anda di ATM Bersama/ATM HSBC</span></a><br />
Menangkan 1 Yamaha Mio,5 Samsung LCD TV,10 HP Sony Ericcsson W910i &#38; 100 Voucher SOGO @Rp 250.000</p>
[caption id="attachment_19" align="alignnone" width="300" caption="Promo Personal Loan"]<a href="http://solusipinjaman.files.wordpress.com/2008/09/promo.jpg"><img class="size-medium wp-image-19" title="Promo Personal Loan" src="http://solusipinjaman.wordpress.com/files/2008/09/promo.jpg?w=300" alt="Promo Personal Loan" width="300" height="220" /></a>[/caption]
[caption id="attachment_20" align="alignnone" width="300" caption="Promo Personal Loan Guideline"]<a href="http://solusipinjaman.files.wordpress.com/2008/09/promo_guideline.jpg"><img class="size-medium wp-image-20" title="Promo Personal Loan Guideline" src="http://solusipinjaman.wordpress.com/files/2008/09/promo_guideline.jpg?w=300" alt="Promo Personal Loan Guideline" width="300" height="139" /></a>[/caption]
<p>Syarat dan Ketentuan :</p>
<table border="0" cellspacing="1" cellpadding="1" width="98%">
<tbody>
<tr>
<td width="1%" valign="top">1.</td>
<td width="99%" valign="top">
<p align="justify">Program "Bayar melalui menu transfer, Menangkan hadiah!" ini berlaku dari tanggal 28 Juli 2008 sampai dengan 14 November 2008.</p>
</td>
</tr>
<tr>
<td valign="top">2.</td>
<td valign="top">
<p align="justify">Setiap transaksi pembayaran tagihan Kartu Kredit HSBC dan/atau cicilan Personal Loan HSBC yang dilakukan selama periode program dengan menggunakan kartu ATM bank manapun melalui mesin <strong>ATM Bank lain </strong>yang tergabung dalam jaringan ATM Bersama (<strong>selain  mesin ATM HSBC) </strong>akan mendapatkan<strong> 1 (satu) nomor undian.</strong></p>
</td>
</tr>
<tr>
<td valign="top">3.</td>
<td valign="top">
<p align="justify">Setiap transaksi pembayaran tagihan Kartu Kredit HSBC dan/atau cicilan Personal Loan HSBC yang dilakukan selama periode program dengan menggunakan kartu ATM bank manapun selain kartu ATM HSBC yang tergabung dalan jaringan ATM Bersama melalui mesin <strong>ATM  HSBC</strong> akan mendapatkan <strong>3 (tiga) nomor undian.</strong></p>
</td>
</tr>
<tr>
<td valign="top">4.</td>
<td valign="top">
<p align="justify">Pemegang Kartu Kredit  HSBC dan nasabah Personal Loan HSBC wajib melakukan transaksi pembayaran  tagihan/cicilan melalui <strong>MENU TRANSFER</strong>. Pembayaran tagihan Kartu Kredit  dan cicilan Personal Loan HSBC yang dilakukan melalui <strong>MENU PEMBAYARAN</strong> tidak akan mendapatkan nomor undian dan tidak  berhak untuk diikutsertakan dalam penarikan undian.</p>
</td>
</tr>
<tr>
<td valign="top">5.</td>
<td valign="top">
<p align="justify">Transaksi pembayaran tagihan Kartu Kredit HSBC dan atau transaksi pembayaran cicilan Personal Loan HSBC melalui ATM HSBC atau ATM Bank lain yang tergabung dalam jaringan ATM Bersama yang dapat ditukarkan dengan nomor undian dalam program ini hanya dibatasi sebanyak 2 (dua) kali transaksi pembayaran per channel (per sarana) per bulan.</p>
</td>
</tr>
<tr>
<td valign="top">6.</td>
<td valign="top">
<p align="justify">Transaksi pembayaran tagihan Kartu Kredit HSBC dan atau cicilan Personal Loan HSBC yang berhak mendapatkan nomor undian adalah transaksi pembayaran dengan jumlah minimum sebesar <strong>Rp 50.000 (lima puluh ribu Rupiah) per transaksi.</strong></p>
</td>
</tr>
<tr>
<td valign="top">7.</td>
<td valign="top">
<p align="justify">Pemegang Kartu Kredit HSBC dan/atau nasabah Personal Loan HSBC bersedia dikenakan biaya administrasi pembayaran yang ditentukan oleh masing-masing Bank penerbit kartu ATM yang digunakan untuk melakukan transaksi pembayaran tagihan Kartu Kredit HSBC atau cicilan Personal Loan HSBC melalui mesin ATM HSBC atau mesin ATM Bank lain yang tergabung dalam jaringan ATM Bersama</p>
</td>
</tr>
<tr>
<td valign="top">8.</td>
<td valign="top">
<p align="justify">Program ini berlaku untuk nasabah Personal Loan HSBC dan pemegang Kartu Kredit HSBC Classic/Gold/Platinum/Premier Visa/MasterCard yang dikeluarkan oleh The Hongkong and Shanghai Banking Corporation Limited, Indonesia (HSBC)</p>
</td>
</tr>
<tr>
<td valign="top">9.</td>
<td valign="top">
<p align="justify">Program ini tidak  berlaku untuk pemegang Kartu Kredit perusahaan (<em>corporate credit card</em>) dan karyawan HSBC (baik untuk pemegang kartu  staff maupun kartu pribadi)</p>
</td>
</tr>
<tr>
<td valign="top">10.</td>
<td valign="top">
<p align="justify">Hanya pemegang Kartu Kredit HSBC dan nasabah Personal Loan HSBC yang rekeningnya masih berlaku dan menunjukkan prestasi yang baik (sebagaimana ditentukan oleh HSBC) yang berhak diikutsertakan dalam penarikan undian.</p>
</td>
</tr>
<tr>
<td valign="top">11.</td>
<td valign="top">Undian akan dilaksanakan di depan Notaris pada minggu terakhir bulan November 2008. Dari hasil pengundian, para pemenang akan mendapatkan hadiah sebagai berikut</td>
</tr>
<tr>
<td valign="top"></td>
<td valign="top">
<p align="justify">• 1 (satu) orang pemenang akan mendapatkan hadiah utama berupa 1 (satu) buah motor Yamaha Mio</p>
</td>
</tr>
<tr>
<td valign="top"></td>
<td valign="top">
<p align="justify">• 5 (lima) orang pemenang akan mendapatkan hadiah kedua berupa 5 (lima) unit LCD TV Samsung 26 inch</p>
</td>
</tr>
<tr>
<td valign="top">.</td>
<td valign="top">
<p align="justify">• 10 (sepuluh) orang pemenang akan mendapatkan hadiah ketiga berupa 10 (sepuluh) handphone Sony Ericcsson W 910i</p>
</td>
</tr>
<tr>
<td valign="top">.</td>
<td valign="top">
<p align="justify">• 100 (seratus) orang pemenang akan mendapatkan hadiah keempat berupa 100(seratus) voucher belanja SOGO senilai masing-masing Rp 250.000 (dua ratus lima puluh ribu Rupiah)</p>
</td>
</tr>
<tr>
<td valign="top">12.</td>
<td valign="top">
<p align="justify">HSBC berhak untuk mengganti jenis hadiah dengan hadiah lain yang nilainya setara apabila stok hadiah yang disebutkan diatas tidak tersedia di pasar setelah pengundian dilakukan.</p>
</td>
</tr>
<tr>
<td valign="top">13.</td>
<td valign="top">
<p align="justify">Nama para pemenang dan sebagian dari nomor Kartu Kredit / nomor rekening Personal Loan HSBC akan diumumkan melalui website HSBC (www.hsbc.co.id) pada minggu pertama bulan Desember 2008.</p>
</td>
</tr>
<tr>
<td valign="top">14.</td>
<td valign="top">
<p align="justify">1 (satu) orang nasabah (baik itu pemegang Kartu Kredit dan/atau nasabah Personal Loan) hanya berhak untuk mendapatkan 1 (satu) hadiah dalam program ini, yaitu hadiah yang pertama kali diperoleh oleh nasabah yang bersangkutan dalam pengundian.</p>
</td>
</tr>
<tr>
<td valign="top">15.</td>
<td valign="top">
<p align="justify">Pemenang adalah mutlak hasil undian dan tidak dapat menukarkan hadiahnya dengan uang tunai, hadiah lain ataupun memindahtangankan status kemenangannya kepada pihak lain.</p>
</td>
</tr>
<tr>
<td valign="top">16.</td>
<td valign="top">
<p align="justify">Pemenang undian berhak mendapatkan hadiahnya jika kondisi Kartu Kredit dan Personal Loan HSBC-nya masih berlaku dan menunjukkan prestasi yang baik (sebagaimana ditentukan oleh HSBC) saat hadiah akan dikirimkan</p>
</td>
</tr>
<tr>
<td valign="top">17.</td>
<td valign="top">
<p align="justify">Pajak undian ditanggung  pemenang.</p>
</td>
</tr>
<tr>
<td valign="top">18.</td>
<td valign="top">
<p align="justify">Pemenang tidak berhak untuk memilih warna dari masing-masing hadiah. Warna hadiah akan disesuaikan dengan ketersediaan stok hadiah.</p>
</td>
</tr>
<tr>
<td valign="top">19.</td>
<td valign="top">
<p align="justify">HSBC tidak bertanggung jawab atas terjadinya kecelakaan, kehilangan atau kerusakan yang diderita oleh para pemenang akibat penggunaan hadiah dalam program ini.</p>
</td>
</tr>
<tr>
<td valign="top">20.</td>
<td valign="top">
<p align="justify">Hadiah yang tidak sampai ke alamat pemenang hingga 31 Desember 2008 dikarenakan karena kesalahan alamat yang diinformasikan pemegang kartu kredit atau nasabah Personal Loan kepada HSBC akan diberikan kepada Departemen Sosial RI untuk kepentingan sosial, sesuai dengan peraturan perundang-undangan yang berlaku</p>
</td>
</tr>
<tr>
<td valign="top">21.</td>
<td valign="top">
<p align="justify">HSBC dapat merubah, menambahkan atau menghapus syarat dan ketentuan program dengan terlebih dahulu memberitahukan perubahannya melalui website HSBC (www.hsbc.co.id) dalam waktu 7 (tujuh) hari kerja sebelum perubahan tersebut berlaku.</p>
</td>
</tr>
<tr>
<td valign="top">22.</td>
<td valign="top">
<p align="justify">Syarat dan ketentuan ini diatur berdasarkan hukum Indonesia. Sengketa yang timbul sehubungan dengan syarat dan ketentuan ini akan diselesaikan melalui Pengadilan Negeri Jakarta Selatan.</p>
</td>
</tr>
</tbody>
</table>
]]></content:encoded>
</item>
<item>
<title><![CDATA[KREDIT TANPA AGUNAN 8−125 JT..dr HSBC..provisi/adm 1,5 %]]></title>
<link>http://solusipinjaman.wordpress.com/?p=13</link>
<pubDate>Wed, 17 Sep 2008 01:37:24 +0000</pubDate>
<dc:creator>solusipinjaman</dc:creator>
<guid>http://solusipinjaman.it.wordpress.com/2008/09/17/kredit-tanpa-agunan-8%e2%88%92125-jtdr-hsbcprovisiadm-15/</guid>
<description><![CDATA[Dapatkan Pinjaman / Kredit Tanpa Agunan 8 − 125 Jt
Dengan Peryaratan Yang Mudah Dan Cepat,
Proses ]]></description>
<content:encoded><![CDATA[<p class="MsoNormal" style="line-height:150%;">Dapatkan Pinjaman / Kredit Tanpa Agunan 8 − 125 Jt<br />
Dengan Peryaratan Yang Mudah Dan Cepat,<br />
Proses Verifikasi Hingga Pencairan 5−7 Hari Kerja.<br />
Tingkat Approval / Persetujuan   Yang Sangat Tinggi Dr Hsbc</p>
<p class="MsoNormal" style="line-height:150%;">Hanya dengan Dokument berikut ini :</p>
<ol type="1">
<li class="MsoNormal">Fotocopy KTP</li>
<li class="MsoNormal">Fotocopy      Credit Card dan Billing 1 Bulan Terakhir</li>
<li class="MsoNormal">Fotoopy No      Rek.Tabungan (Sebagai Tempat Transfer Bila diSetujui)</li>
<li class="MsoNormal">Materai      Rp.6.000,− 1 lembar.</li>
<li class="MsoNormal">Fotocopy      NPWP (Hanya Untuk Pinjaman Diatas Rp 50 Juta )</li>
</ol>
<p class="MsoNormal" style="line-height:150%;">Utk Keterangan dan Bantuan, segera hub:<br />
Boy ( <strong><span style="font-size:14pt;line-height:150%;">021-9872-0287 </span></strong>)<br />
atau Email ke : <a href="mailto:kta4.you@yahoo.com?subject=Info%20KTA">kta4.you@yahoo.com</a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Personal Loan HSBC]]></title>
<link>http://solusipinjaman.wordpress.com/?p=10</link>
<pubDate>Wed, 17 Sep 2008 01:29:18 +0000</pubDate>
<dc:creator>solusipinjaman</dc:creator>
<guid>http://solusipinjaman.it.wordpress.com/2008/09/17/personal-loan-hsbc/</guid>
<description><![CDATA[Sekarang Anda bisa mewujudkan berbagai kebutuhan yang telah Anda rencanakan, baik itu untuk pendidik]]></description>
<content:encoded><![CDATA[<p><span style="color:#888888;">Sekarang Anda bisa mewujudkan berbagai kebutuhan yang telah Anda rencanakan, baik itu untuk pendidikan putra-putri Anda, renovasi atau mengisi rumah Anda, memiliki barang-barang idaman, atau bahkan memulai bisnis impian Anda, atau rencana-rencana Anda yang lain yang membutuhkan modal cukup besar.</span></p>
<p><span lang="EN">Untuk itu, kami dapat membantu Anda melalui <strong>HSBC Personal Loan</strong> yang dapat memberikan nilai pinjaman dari  <strong>Rp 8 juta</strong> hingga <strong>Rp 125 juta</strong> tanpa agunan apapun. Selain itu, <strong>HSBC Personal Loan</strong> juga memberikan fleksibilitas dan serangkaian keuntungan seperti:</span></p>
<ul type="disc">
<li class="MsoNormal"><span lang="EN">Bebas agunan</span></li>
<li class="MsoNormal"><span lang="EN">Cicilan tetap per bulan</span></li>
<li class="MsoNormal"><span lang="EN">Jangka waktu pinjaman yang fleksibel</span></li>
<li class="MsoNormal"><span lang="EN">Jumlah pinjaman sampai dengan Rp 125 juta</span></li>
<li class="MsoNormal"><span lang="EN">Bunga yang kompetitif</span></li>
<li class="MsoNormal"><span lang="EN">Syarat-syarat yang mudah</span></li>
<li class="MsoNormal"><span lang="EN">Kemudahan Pembayaran</span></li>
<li class="MsoNormal"><span lang="EN">Adanya program perlindungan (asuransi)</span></li>
</ul>
<p class="MsoNormal" style="line-height:150%;">Utk Keterangan dan Bantuan, segera hub:<br />
Boy ( <strong><span style="font-size:14pt;line-height:150%;">021-9872-0287 </span></strong>)<br />
atau Email ke : <a href="mailto:kta4.you@yahoo.com?subject=Info%20KTA">kta4.you@yahoo.com</a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Tja, bankroet]]></title>
<link>http://sefke.wordpress.com/2008/09/15/tja-bankroet/</link>
<pubDate>Mon, 15 Sep 2008 01:08:08 +0000</pubDate>
<dc:creator>sefke</dc:creator>
<guid>http://sefke.it.wordpress.com/2008/09/15/tja-bankroet/</guid>
<description><![CDATA[
2007
De Lehman Brothers haalden vorig jaar recordwinsten . In Nederland zijn ze waarschijnlijk het ]]></description>
<content:encoded><![CDATA[<p style="text-align:justify;"><img style="max-width:800px;float:right;margin-top:10px;margin-bottom:10px;margin-left:10px;" src="http://www.lehman.com/images/who/timeline/2004.jpg" alt="" width="177" height="236" /></p>
<p style="text-align:justify;"><strong><big>2007</big></strong></p>
<p style="text-align:justify;">De Lehman Brothers haalden vorig jaar recordwinsten . In Nederland zijn ze waarschijnlijk het bekendst als de financiële adviseurs van het bankconsortium Royal Bank of Scotland, Santander en Fortis bij de overname en opsplitsing van de ABN Amro. <a href="http://www.lehman.com/who/">History - Who We Are - Lehman Brothers</a></p>
<p style="text-align:justify;"><strong><big>2008</big></strong></p>
<p style="text-align:justify;">De Lehman Brothers zijn bankroet. Het lijkt er tenminste op. <a href="http://dealbook.blogs.nytimes.com/2008/09/14/lehman-to-file-for-bankruptcy-protection/">New York Times</a></p>
<p style="text-align:justify;">Waar moet dat heen mensen? De een na de ander komt in de problemen.  En de  Lehman Brothers zakenbank was geen kleintje. Maar zoals altijd: de een z'n dood is de ander z'n brood. De Bank of America koopt <a href="http://www.nytimes.com/2008/09/15/business/15bofa.html">Merill Lynch</a> om die uit de problemen te houden. Maar daarmee halen zij  wel de problemen in huis en als de Bank of America in problemen komt kan de Amerikaanse overheid niet de andere kant opkijken. Wordt de belastingbetaler dan uiteindelijk toch de klos van het gespeculeer op de kapitaalmarkten? Niet zo'n prettig vooruitzicht. Maar waarschijnlijk was dat altijd al zo.</p>
<p>Meer info:<a href="http://www.nytimes.com/2008/09/16/business/16reconstruct.html"> NYT</a></p>
<p>Updated: 16 september 2008<br />
<a href="http://www.nytimes.com/2008/09/16/business/16reconstruct.html"></a></p>
<p class="technorati-tags" style="text-align:justify;"><a rel="tag" href="http://technorati.com/tag/lehman">lehman</a>, <a rel="tag" href="http://technorati.com/tag/bankroet">bankroet</a>, <a rel="tag" href="http://technorati.com/tag/abn%20amro">abn amro</a>, <a rel="tag" href="http://technorati.com/tag/ekonomie">ekonomie<br />
</a></p>
<p class="technorati-tags" style="text-align:justify;">
<p class="technorati-tags" style="text-align:justify;"><a rel="tag" href="http://technorati.com/tag/ekonomie"><br />
</a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Sector Focus: Investment banking]]></title>
<link>http://indiainsights.wordpress.com/?p=410</link>
<pubDate>Thu, 28 Aug 2008 23:25:22 +0000</pubDate>
<dc:creator>indiainsights</dc:creator>
<guid>http://india-insights.co.uk/2008/08/28/global-banks-banking-on-india/</guid>
<description><![CDATA[
As cash-rich Indian companies ramp up overseas M&amp;A activity, global banks ignore difficulties a]]></description>
<content:encoded><![CDATA[<p><!--StartFragment--></p>
<p class="MsoNormal"><span lang="EN-US">As cash-rich Indian companies ramp up overseas M&#38;A activity, global banks ignore difficulties and re-staff India.</span></p>
<p class="MsoNormal"><span lang="EN-US">Current domestic downers – inflation at 12.63% (21/8/08) and oil costs - have an affect. <a title="Dealogic corporate website" href="http://www.dealogic.com/" target="_blank">Dealogic</a> report a first six months year-on-year deals <a title="&#34;Credit Suisse to double staff in India&#34;, Financial Times, 10/8/08" href="http://www.ft.com/cms/s/0/c75e03ea-6700-11dd-808f-0000779fd18c.html" target="_blank">decline of 27%, to US$ 28.6 billion</a>. Equity offerings flopped 37% to US$ 11.2 billion.</span></p>
<p class="MsoNormal"><span lang="EN-US">But big banking’s unbothered. Chief Executive, of <a title="Credit Suisse corporate website" href="http://www.credit-suisse.com/global/en/" target="_blank">Credit Suisse</a> Asia Pacific, bullish <a title="Kai Nargolwala profile" href="http://www.portfolio.com/resources/executive-profiles/Kai-S-Nargolwala-2304706" target="_blank">Kai Nargolwala</a>, concludes, “While there will be some slowdown in growth, we don’t see it as anywhere near as severe as one might see in the US and Europe.” <a title="McKinsey corporate website" href="http://www.mckinsey.com/" target="_blank">McKinsey &#38; Co</a> believe the outlook <a title="&#34;The McKinsey Quarterly&#34; August 2008" href="http://www.mckinseyquarterly.com/Financial_Services/Banking/The_growing_opportunity_for_investment_banks_in_emerging_markets_2183" target="_blank">“relatively bright”</a> with strong Indian growth irrespective the state of global capital markets.</span></p>
<p class="MsoNormal"><span lang="EN-US">Recent research/crystal-ball gazing agrees. <a title="&#34;Resurgent India buys more rivals than West&#34;, Observer, 17/8/08" href="http://www.guardian.co.uk/world/2008/aug/17/india" target="_blank">Since 2003 Indian firms made 322 foreign acquisitions, and 340 Indian firms were sold to foreign entrants</a>. But, accountants <a title="KPMG corporate website" href="http://www.kpmg.com/Global/Pages/default.aspx" target="_blank">KPMG</a> conclude India will be a net ‘deal exporter’. Ian Gomes, Chairman of KPMG’s new and emerging markets practice, expects buys to overtake sells.</span></p>
<p class="MsoNormal"><span lang="EN-US"><strong>So banks go boots to the ground in anticipation.</strong></span></p>
<p class="MsoNormal"><span lang="EN-US"><a title="&#34;Credit Suisse to double staff in India&#34;, Financial Times, 10/8/08" href="http://www.ft.com/cms/s/0/c75e03ea-6700-11dd-808f-0000779fd18c.html" target="_blank">Credit Suisse plan to double investment banking, private banking and asset management staff</a>, and with high profile hires. Japanese brokers, keen to grow outside their stagnant Mikado market, look to India. <a title="Nomura corporate website" href="http://www.nomura.com/" target="_blank">Nomura</a> plan to <a title="&#34;Nomura in India drive&#34;, Financial Times, 18/7/08" href="http://www.ft.com/cms/s/0/44b2dd2e-54ec-11dd-ae9c-000077b07658.html" target="_blank">increase staff from 17 to 100 by 2010</a> - adding stock trading and asset management to its portfolio. In April 2008 Daiwa and Sumitomo’s already established JV, “<a title="Daiwa SMBC website" href="http://www.daiwasmbc.co.jp/english/index.html" target="_blank">Daiwa SMBC</a>” began operations as the first Japanese broker with a full line-up of services in India. Same time <a title="Mitsubishi UFJ Securities" href="http://www.sc.mufg.jp/english/" target="_blank">Mitsubishi UFJ Securities</a> set up a subsidiary in Mumbai while <a title="&#34;Tata Capital, Mizuho Securities sign deal&#34; Press release, Tata website, 15/2/08" href="http://www.tatamail.com/company/Media/inside.aspx?artid=8wnAZ7M4+mA=" target="_blank">Mizuho Securities signed a memorandum of understanding with Tata Capital</a> to jointly launch a private equity fund and offer wealth management services. <a title="&#34;RBS taps 3 ABN veterans for India investment banking&#34;, Reuters, 19/5/08" href="http://www.reuters.com/article/bankingFinancial/idUSHKG37093220080519" target="_blank">In May RBS moved three bankers from recently acquired ABN AMRO to key roles in its Mumbai based corporate finance team</a>.</span></p>
<p class="MsoNormal"><span lang="EN-US">Domestic banks pursue for a piece of the international action. <a title="Union Bank of India website" href="http://www.unionbankofindia.co.in/" target="_blank">Union Bank of India</a> <a title="&#34;Union Bank of India eyes investment banking&#34;, Financial Times, 3/8/08" href="http://www.ft.com/cms/s/0/a76a19a6-617a-11dd-af94-000077b07658,dwp_uuid=89fe9472-9c7f-11da-8762-0000779e2340.html" target="_blank">plan 10 international offices to service Indian companies acquiring foreign rivals</a>. Chairman and Managing Director Mavila Nair explains, “Many customers are operating in the global market, they are acquiring companies … We will support their aspirations across the globe”.</span></p>
<p class="MsoNormal"><span lang="EN-US">There’s a nice banker.</span></p>
<p><!--EndFragment--></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[ABN Amro in virtuele werelden]]></title>
<link>http://virtualisatie.wordpress.com/2008/08/20/abn-amro-in-virtuele-werelden/</link>
<pubDate>Wed, 20 Aug 2008 15:22:25 +0000</pubDate>
<dc:creator>Bert Bouwhuis</dc:creator>
<guid>http://earlybert.com/2008/08/20/abn-amro-in-virtuele-werelden/</guid>
<description><![CDATA[E-Consultancy interviewde Popke Rein Munniksma van ABN Amro over zijn ervaringen en plannen op het g]]></description>
<content:encoded><![CDATA[<p><a href="http://www.e-consultancy.com/news-blog/366182/q-a-abn-amro-s-popke-rein-munniksma-on-virtual-worlds.html">E-Consultancy</a> interviewde <a href="http://www.linkedin.com/in/prmunniksma">Popke Rein Munniksma</a> van ABN Amro over zijn ervaringen en plannen op het gebied van virtual worlds. Popke Rein ziet toepassingen voor zowel intern als extern gebruik. Na eerst al sinds 2006 ruime ervaring te hebben opgedaan op <a href="http://secondlife.com/">Second Life</a> is de bank nu voor de interne toepassingen overgestapt op <a href="http://www.activeworlds.com/">Active Worlds</a>. De laatste zou met name minder beslag leggen op de desktop systemen. Voor extern gebruik is een groot deel van het land binnen Second Life inmiddels weer verkocht en zoekt Popke Rein nog naar een laagdrempeliger alternatief voor de gemiddelde consument.</p>
<p>Zie het volledige interview <a href="http://www.e-consultancy.com/news-blog/366182/q-a-abn-amro-s-popke-rein-munniksma-on-virtual-worlds.html">hier</a>.</p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Second Life retter fokus mot Europa]]></title>
<link>http://coltpr.wordpress.com/?p=355</link>
<pubDate>Wed, 20 Aug 2008 10:58:36 +0000</pubDate>
<dc:creator>myhrvold</dc:creator>
<guid>http://coltpr.it.wordpress.com/2008/08/20/second-life-retter-fokus-mot-europa/</guid>
<description><![CDATA[Det norske reklamebyrået Design container arrangerte nylig seminar i den virtuelle verden Second Li]]></description>
<content:encoded><![CDATA[<p>Det norske reklamebyrået <a title="Design Container" href="http://www.designcontainer.no" target="_blank">Design container</a> arrangerte nylig seminar i den virtuelle verden <a title="Second Life" href="http://secondlife.com/" target="_blank">Second Life</a>. To representanter fra <a title="Linden Lab" href="http://lindenlab.com/" target="_blank">Linden Lab</a> fortalte om Second Life sine europeiske planer og norske bedrifter delte sine erfaringer for 28 nysgjerrige deltakere.</p>
<p><a href="http://coltpr.files.wordpress.com/2008/08/picture-3.png"><img class="alignnone size-medium wp-image-361" src="http://coltpr.wordpress.com/files/2008/08/picture-3.png?w=300" alt="" width="410" height="294" /></a></p>
<p>Seminaret startet med at forsamlingen teleporterte seg til konferanserommet i ren <a title="Star Trek" href="http://www.startrek.com/startrek/view/index.html" target="_blank">Star Trek</a> stil. Vertskapet kunne tilby deltakerne fersk 3D kaffe før de satte seg ned. Konfransier Ela Olivia bedre kjent som <a title="Linn-Cecilie Linnemann" href="http://www.designcontainer.no/Kontakt_Team/58" target="_blank">Linn-Cecilie-Linnemann</a> og daglig leder i Designcontainer tok ordet og presenterte dagens forelesere.</p>
<p>Først ute var <a title="Espen Sparre-Enger" href="http://www.linkedin.com/pub/7/b0b/743" target="_blank">Espen Sparre-Enger</a>, senior rådgiver i <a title="DnB NOR" href="https://www.dnbnor.no/" target="_blank">DnB NOR</a> som fortalte om DnB NOR sin satsning og erfaring med Second Life. Dnb NOR ansatte har enda ikke mulighet til å logge seg inn på Second Life, men banken har opprettet en pilotgruppe som tester <a title="Web 2.0" href="http://en.wikipedia.org/wiki/Web_2.0" target="_blank">web 2.0</a> teknologien. I følge Sparre-Enger er kommunikasjonsplattformen aktuell for å videreutvikle et sosialt nettverk for DnB Nor systemet. Han kunne ikke kommentere budsjettet som er satt opp for Second Life satsningen, men antydet at det var begrenset med midler.</p>
<p>Linden Lab, skaperen av Second Life var den aktøren som tiltrakk seg mest oppmerksom.<br />
<a title="Clare Rees" href="http://www.linkedin.com/ppl/webprofile?action=vmi&#38;id=1748646&#38;authToken=7m8S&#38;authType=name&#38;trk=ppro_viewmore&#38;lnk=vw_pprofile" target="_blank">Clare Rees</a> markedsdirektør for Europa og hennes markedskoordinator Katrine Janssen fortalte om Linden Lab sin satsing i Europa og hvordan de skal trekke til seg europeiske brukere. Vi venter spent!</p>
<p><a title="Høgskolen i Molde" href="http://www.himolde.no/" target="_blank">Høgskolen i Molde</a> ledet av <a title="Judith Molka-Danielsen" href="http://www.himolde.no/index.cfm?pageID=1623&#38;ansattid=84&#38;language=no" target="_blank">Judith Molka-Danielsen</a> fortalte om undervisning i språk, 3D design og salgsrollespill. Hun viste bilder av <a title="Kamimo islands" href="http://kamimo-islands.blogspot.com/" target="_blank">simmen Kamimo</a> som er et samarbeidsprosjekt mellom Høgskolen i Molde, <a title="Høgskolen i Kalmar" href="http://www.hik.se/" target="_blank">Høgskolen i Kalmar</a> og <a title="University of Missouri" href="http://www.missouri.edu/" target="_blank">University of Missouri</a>. Prosjektet fortsetter utover høsten med flere klasser, kurs og seminarer for studentene.</p>
<p>Ellen Høstmark Bustø fra <a title="Vestfold Fylkesbibliotek" href="http://fylkesbiblioteket.vfk.no/" target="_blank">Vestfold Fylkesbibliotek</a> gav oss innblikk i det nyetablerte <a title="Norgesbiblioteket" href="http://virtueltbibliotek.wordpress.com/" target="_blank">Norgesbiblioteket</a>, og hvordan Second Life vil fungere som en læringsarena for bibliotkarer og andre eksterne brukere. Dette er et samarbeidsprosjekt med andre norske biblioteker og stedet lanseres 15. september</p>
<p><a title="Popke Rein Munniksma" href="http://www.naymz.com/search/popke/rein/munniksma?gclid=CNCexJWTnJUCFQuJ1Qode0LkgQ" target="_blank">Popke Rein Munniksma</a> fra <a title="ABN AMRO" href="http://www.abnamro.com/en/home.cfm" target="_blank">ABN AMRO</a> holdt et innlegg om det nederlandske området 0031 og hvorfor 90 prosent av nederlandske SL-brukere besøker 0031. Seminaret avsluttet med<br />
orkesteret <a title="Avatar Orchestra Metaverse" href="http://avatarorchestra.blogspot.com/" target="_blank">Avatar Orchestra Metaverse</a> ledet av norske Leif Inge. Orkesteret lager lyder og bevegelser i Second Life mens de sitter på forskjellige lokasjoner og spiller sammen. Ela Olivia og tilhørerne mente konserten var et magisk kunststykke enn et rent musikalsk innslag.</p>
<p>Virtuelle møter er fremtidens møteplass for mennesker som deler samme faglige interessefelt. Det er tidseffektivt og geografiske avstander hviskes ut. Jeg er enig med Kaptein Kirk i Star Trek og sier "Beam me up Scotty"</p>
<p><a title="Bookmark and Share" href="http://www.addthis.com/bookmark.php" target="_blank"><img class="alignnone" style="border:0 none;" src="http://s9.addthis.com/button1-addthis.gif" border="0" alt="Bookmark and Share" width="125" height="16" /><br />
</a><!-- AddThis Button END --></p>
<p><a title="Gi Kudos til denne saken" href="http://www.kudos.no/giKudos.php?tittel=&#38;url=&#38;beskrivelse=&#38;tag=&#38;type=&#38;kategori="><img class="alignnone" src="http://www.kudos.no/gfx/buttons/giKudos_6.png" alt="Gi Kudos til denne saken!" width="64" height="19" /></a></p>
<p><a href="http://norgesbeste.net/"><img class="alignnone" style="border:0 none;" src="http://norgesbeste.net/button.php?u=oejohnsen" border="0" alt="Norges Beste Nettsider - Norsktopplisten" width="80" height="15" /></a></p>
]]></content:encoded>
</item>
<item>
<title><![CDATA[Grupo Santander]]></title>
<link>http://creditosflexibles.wordpress.com/?p=306</link>
<pubDate>Mon, 11 Aug 2008 03:41:46 +0000</pubDate>
<dc:creator>Martin</dc:creator>
<guid>http://losprestamospersonales.com/2008/08/11/grupo-santander/</guid>
<description><![CDATA[El Grupo Santander está organizado en torno al Banco Santander y tiene su origen en la ciudad de Sa]]></description>
<content:encoded><![CDATA[<p>El <strong>Grupo Santander</strong> está organizado en torno al Banco Santander y tiene su origen en la ciudad de <a class="mw-redirect" title="Santander (Cantabria)" href="http://es.wikipedia.org/wiki/Santander_%28Cantabria%29">Santander</a> (<a title="Cantabria" href="http://es.wikipedia.org/wiki/Cantabria">Cantabria</a>), en el norte de <a title="España" href="http://es.wikipedia.org/wiki/Espa%C3%B1a">España</a>. Está formado por una extensa red de <a title="Banco" href="http://es.wikipedia.org/wiki/Banco">entidades financieras</a> en todo el mundo, la mayoría de ellas en <a title="Europa" href="http://es.wikipedia.org/wiki/Europa">Europa</a> y <a class="mw-redirect" title="Latinoamérica" href="http://es.wikipedia.org/wiki/Latinoam%C3%A9rica">Latinoamérica</a>. Algunas son filiales del <a class="mw-redirect" title="Banco Santander" href="http://es.wikipedia.org/wiki/Banco_Santander">Banco Santander</a> y otras compañías adquiridas por el grupo. La más reciente de estas adquisiciones es la del banco británico <a title="Abbey" href="http://es.wikipedia.org/wiki/Abbey">Abbey National</a> (posteriormente renombrado <a title="Abbey" href="http://es.wikipedia.org/wiki/Abbey">Abbey</a>) en septiembre de 2004. Actualmente es el Banco más grande de la Unión Monetaria dentro de la <a class="mw-redirect" title="U.E." href="http://es.wikipedia.org/wiki/U.E.">U.E.</a>, segunda empresa más grande de España y 75 mayor del mundo.<sup class="reference"><a href="http://es.wikipedia.org/wiki/Banco_Santander#cite_note-0"><span class="corchete-llamada">[</span>1<span class="corchete-llamada">]</span></a></sup></p>
<p>El día 13 de agosto de 2007, el Banco Santander Central Hispano cambió su denominación por la actual de Banco Santander.</p>
<p>En octubre de 2007 participó junto con el <a title="Royal Bank of Scotland" href="http://es.wikipedia.org/wiki/Royal_Bank_of_Scotland">Royal Bank of Scotland</a> y el banco belga <strong>Fortis</strong> en la compra del banco holandés <a title="ABN AMRO" href="http://es.wikipedia.org/wiki/ABN_AMRO">ABN AMRO</a>, con la finalidad de desmembrarlo y repartírselo. En esta operación al Santander le tocaron el</p>
<table class="infobox" style="float:right;width:25em;font-size:90%;clear:right;margin:0 0 1em 1em;" border="0" cellspacing="5">
<caption><strong>Grupo Santander</strong></caption>
<tbody>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Tipo</strong></td>
<td style="vertical-align:top;text-align:left;">Sociedad Anónima<br />
(<a title="Ibex 35" href="http://es.wikipedia.org/wiki/Ibex_35">Ibex 35</a>:<a class="external text" title="http://www.bolsamadrid.es/comun/fichaemp/fichavalor.asp?isin=ES0113900J37" rel="nofollow" href="http://www.bolsamadrid.es/comun/fichaemp/fichavalor.asp?isin=ES0113900J37">SAN</a>)</td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Fundación</strong></td>
<td style="vertical-align:top;text-align:left;"><a title="1857" href="http://es.wikipedia.org/wiki/1857">1857</a> Fundación del Banco Santander<br />
<a title="1999" href="http://es.wikipedia.org/wiki/1999">1999</a> Fusión Banco Santander y Banco Central Hispano (BCH)</td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Sede</strong></td>
<td style="vertical-align:top;text-align:left;"><span class="flagicon"><a class="image" title="Bandera de España" href="http://es.wikipedia.org/wiki/Imagen:Flag_of_Spain.svg"><img class="thumbborder" src="http://upload.wikimedia.org/wikipedia/commons/thumb/9/9a/Flag_of_Spain.svg/22px-Flag_of_Spain.svg.png" border="0" alt="Bandera de España" width="22" height="15" /></a></span> Paseo de <a title="José Maria de Pereda" href="http://es.wikipedia.org/wiki/Jos%C3%A9_Mar%C3%ADa_de_Pereda">Pereda</a>, 9-12 <a class="mw-redirect" title="Santander (Cantabria)" href="http://es.wikipedia.org/wiki/Santander_%28Cantabria%29">Santander</a>, <a title="España" href="http://es.wikipedia.org/wiki/Espa%C3%B1a">España</a></td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong><a title="Industria" href="http://es.wikipedia.org/wiki/Industria">Industria</a></strong></td>
<td style="vertical-align:top;text-align:left;"><a title="Finanzas" href="http://es.wikipedia.org/wiki/Finanzas">Finanzas</a> y <a class="mw-redirect" title="Seguros" href="http://es.wikipedia.org/wiki/Seguros">Seguros</a></td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Productos</strong></td>
<td style="vertical-align:top;text-align:left;"><a title="Servicios financieros" href="http://es.wikipedia.org/wiki/Servicios_financieros">Servicios financieros</a></td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Ingresos</strong></td>
<td style="vertical-align:top;text-align:left;">-</td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Beneficios</strong></td>
<td style="vertical-align:top;text-align:left;"><a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 9.060 millones (2007)<br />
<a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 7.596 millones (2006)<br />
<a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 6.220 millones (2005)<br />
<a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 3.606 millones (2004)<br />
<a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 2.550 millones (2003)<br />
<a class="image" title="green up.png" href="http://es.wikipedia.org/wiki/Imagen:Green_up.png"><img src="http://upload.wikimedia.org/wikipedia/commons/b/b5/Green_up.png" border="0" alt="green up.png" width="12" height="12" /></a> € 2.247 millones (2002)</td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong>Empleados</strong></td>
<td style="vertical-align:top;text-align:left;">129.196 (2005)</td>
</tr>
<tr style="vertical-align:top;text-align:right;">
<td><strong><a title="Sitio web" href="http://es.wikipedia.org/wiki/Sitio_web">Sitio web</a></strong></td>
<td style="vertical-align:top;text-align:left;"><a class="external free" title="http://www.santander.com" rel="nofollow" href="http://www.santander.com/">http://www.santander.com</a></td>
</tr>
</tbody>
</table>
<p><strong>Banco Real</strong> de <a title="Brasil" href="http://es.wikipedia.org/wiki/Brasil">Brasil</a> y la <strong>Banca Antonveneta</strong> de <a title="Italia" href="http://es.wikipedia.org/wiki/Italia">Italia</a>. Posteriormente Antonveneta fue vendido a <strong>Monte dei Paschi di Siena</strong> (otro banco italiano) y su división de banca corporativa <strong>Interbanca</strong> a <a title="General Electric" href="http://es.wikipedia.org/wiki/General_Electric">General Electric</a> Finance. El <strong>Grupo Santander</strong> cuenta con 129.000 empleados, 66 millones de clientes, 10.200 sucursales y 2,4 millones de accionistas en todo el mundo. La banca minorista es el principal área de negocio del banco, aportando el 82% del beneficio. El grupo se encuentra entre las diez primeras entidades financieras del mundo y es el mayor banco de la <a class="mw-redirect" title="Zona Euro" href="http://es.wikipedia.org/wiki/Zona_Euro">Zona Euro</a>. Su eslogan es <em>El valor de las ideas</em>.</p>
<h2><span class="mw-headline">Historia</span></h2>
<div class="thumb tright">
<div class="thumbinner" style="width:302px;"><a class="image" title="Edificio del Banco Santander, en el paseo de Pereda, en la ciudad de Santander (Cantabria) de donde es originario y donde mantiene su sede social." href="http://es.wikipedia.org/wiki/Imagen:Santander.Banco.Santander.jpg"><img class="thumbimage" src="http://upload.wikimedia.org/wikipedia/commons/thumb/6/60/Santander.Banco.Santander.jpg/300px-Santander.Banco.Santander.jpg" border="0" alt="Edificio del Banco Santander, en el paseo de Pereda, en la ciudad de Santander (Cantabria) de donde es originario y donde mantiene su sede social." width="300" height="225" /></a></p>
<div class="thumbcaption">Edificio del Banco Santander, en el paseo de <a title="José Maria de Pereda" href="http://es.wikipedia.org/wiki/Jos%C3%A9_Mar%C3%ADa_de_Pereda">Pereda</a>, en la ciudad de <a class="mw-redirect" title="Santander (Cantabria)" href="http://es.wikipedia.org/wiki/Santander_%28Cantabria%29">Santander</a> (<a title="Cantabria" href="http://es.wikipedia.org/wiki/Cantabria">Cantabria</a>) de donde es originario y donde mantiene su sede social.</div>
</div>
</div>
<p>El <strong>Banco Santander</strong> procede de la fusión realizada entre el Banco Santander, y el <a class="new" title="Banco Central Hispano (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Central_Hispano&#38;action=edit&#38;redlink=1">Banco Central Hispano</a> (BCH) en el año 1999. A su vez el Banco Central Hispano se formó en 1991 por la fusión del Central y el Hispanoamericano. Hasta agosto de 2007, su denominación social era Banco Santander Central Hispano, más conocido por sus iniciales, BSCH. El día 13 de ese mismo mes, se cambió dicha denominación por la actual de Banco Santander.</p>
<p>El <strong><a title="Banco de Santander" href="http://es.wikipedia.org/wiki/Banco_de_Santander">Banco de Santander</a></strong> se fundó en 1857. En principio operaba sólo en la <a title="Provincia de Santander" href="http://es.wikipedia.org/wiki/Provincia_de_Santander">provincia de Santander</a> (hoy <a title="Cantabria" href="http://es.wikipedia.org/wiki/Cantabria">Cantabria</a>) pero posteriormente se expandió por toda España comprando numerosos bancos.</p>
<p>El <strong><a class="new" title="Banco Hispanoamericano (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Hispanoamericano&#38;action=edit&#38;redlink=1">Banco Hispanoamericano</a></strong> se fundó en 1900 con dinero repatriado de Cuba tras la <a class="mw-redirect" title="Guerra Hispano-estadounidense" href="http://es.wikipedia.org/wiki/Guerra_Hispano-estadounidense">Guerra Hispano-estadounidense</a> de 1898, motivo al que debe su nombre.</p>
<p>El <strong>Banco Central</strong><sup class="reference"><a href="http://es.wikipedia.org/wiki/Banco_Santander#cite_note-3"><span class="corchete-llamada">[</span>4<span class="corchete-llamada">]</span></a></sup> se fundó en 1919 mediante la asociación de 8 pequeños bancos. Posteriormente continuó comprando bancos hasta convertirse en el primer banco privado de España en los años 80.</p>
<p><a id="Principales_Operaciones_Econ.C3.B3micas" name="Principales_Operaciones_Econ.C3.B3micas"></a></p>
<h3><span class="mw-headline">Principales Operaciones Económicas</span> <span class="editsection" style="font-size:small;font-weight:normal;float:none;margin-left:0;">[<a title="Principales Operaciones Económicas" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander&#38;action=edit&#38;section=2">editar</a>]</span></h3>
<ul>
<li>En Abril de 2008 compra la división de crédito al consumo de <a title="Royal Bank of Scotland" href="http://es.wikipedia.org/wiki/Royal_Bank_of_Scotland">Royal Bank of Scotland</a> (RBS) en Europa por un precio no desvelado que incluye las actividades de RBS en Alemania, Holanda, Bélgica y Austria. La división cuenta con 861 empleados que prestan servicio a 2,3 millones de clientes.</li>
</ul>
<ul>
<li>En Marzo de 2008 firma un acuerdo con <a title="General Electric" href="http://es.wikipedia.org/wiki/General_Electric">General Electric</a> y se hace con las unidades de <a class="new" title="GE Money (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=GE_Money&#38;action=edit&#38;redlink=1">GE Money</a> en Alemania, Finlandia y Austria, junto a sus unidades de tarjetas y financiación de coches en el Reino Unido.</li>
</ul>
<ul>
<li>En Junio de 2007 el Banco Santander en la mayor operación inmobiliaria empresarial realizada hasta entonces en España vende todos sus edificios en España, 44 edificios relevantes por toda España y sus 1.200 oficinas de la red a excepción de su sede central en el paseo de Pereda de <a class="mw-redirect" title="Santander (Cantabria)" href="http://es.wikipedia.org/wiki/Santander_%28Cantabria%29">Santander</a>, por un importe de 4.000 millones de Euros. La manzana de Canalejas en Madrid, un complejo de siete edificios que aglutina 52.000 metros cuadrados en Julio de 2008 continua continua en el patrimonio del Banco Sandanter debido a los problemas de financiación que han tenido los posibles compradores. El primer interesado fue un consorcio extranjero donde participaba el sultán de <a class="mw-redirect" title="Brunei" href="http://es.wikipedia.org/wiki/Brunei">Brunei</a>, <a class="mw-redirect" title="Hassanal Bolkiah" href="http://es.wikipedia.org/wiki/Hassanal_Bolkiah">Hassanal Bolkiah</a>, que dejó paso a la posterior oferta del promotor catalán <a title="Antonio Martin" href="http://es.wikipedia.org/wiki/Antonio_Mart%C3%ADn">Antonio Martín</a> y finalmente el grupo inversor vasco <a class="new" title="R&#38;A Palace Gestión (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=R%26A_Palace_Gesti%C3%B3n&#38;action=edit&#38;redlink=1">R&#38;A Palace Gestión</a> no ha podido encontrar la financiación necesaria para afrontar el pago de los 350 millones de euros que ofertaron</li>
</ul>
<ul>
<li>En Junio de 2006 el Banco Santander adquiere el 20% del <a class="new" title="Sovereign Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Sovereign_Bank&#38;action=edit&#38;redlink=1">Sovereign Bank</a> en los Estados Unidos por 2.4 millones de dolares.</li>
</ul>
<p>El banco Santander contaba con 10.201 oficinas en todo el mundo a finales del 2005 y 10.852 al finalizar el 2006.</p>
<p><a id="Unidades_Globales" name="Unidades_Globales"></a></p>
<h3><span class="mw-headline">Unidades Globales</span></h3>
<ul>
<li><a class="new" title="Santander Private Banking (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Private_Banking&#38;action=edit&#38;redlink=1">Santander Private Banking</a></li>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
<li><a class="new" title="Santander Global Property (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Global_Property&#38;action=edit&#38;redlink=1">Santander Global Property</a></li>
</ul>
<p><a id="Unidades_de_Servicios_Tecnol.C3.B3gicos" name="Unidades_de_Servicios_Tecnol.C3.B3gicos"></a></p>
<h3><span class="mw-headline">Unidades de Servicios Tecnológicos</span> <span class="editsection" style="font-size:small;font-weight:normal;float:none;margin-left:0;">[<a title="Unidades de Servicios Tecnológicos" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander&#38;action=edit&#38;section=6">editar</a>]</span></h3>
<ul>
<li><a title="Produban" href="http://es.wikipedia.org/wiki/Produban">Produban</a></li>
<li>Ingeniería de Software Bancario (<a class="mw-redirect" title="ISBAN" href="http://es.wikipedia.org/wiki/ISBAN">ISBAN</a>)</li>
</ul>
<p><a id="Europa" name="Europa"></a></p>
<h3><span class="mw-headline">Europa</span> <span class="editsection" style="font-size:small;font-weight:normal;float:none;margin-left:0;">[<a title="Europa" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander&#38;action=edit&#38;section=7">editar</a>]</span></h3>
<ul>
<li><strong>España</strong>
<ul>
<li><a class="mw-redirect" title="Banco Santander" href="http://es.wikipedia.org/wiki/Banco_Santander">Banco Santander</a></li>
<li><strong class="selflink">Grupo Santander</strong></li>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
<li><a class="new" title="Grupo Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Grupo Santander Consumer Finance</a></li>
<li><a title="Banesto" href="http://es.wikipedia.org/wiki/Banesto">Banesto</a></li>
<li><a title="Openbank" href="http://es.wikipedia.org/wiki/Openbank">Openbank</a></li>
<li><a class="new" title="BANIF (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=BANIF&#38;action=edit&#38;redlink=1">BANIF</a></li>
<li><a class="new" title="Unión de Créditos Inmobiliarios (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Uni%C3%B3n_de_Cr%C3%A9ditos_Inmobiliarios&#38;action=edit&#38;redlink=1">Unión de Créditos Inmobiliarios</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Alemania</strong>
<ul>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
<li><a class="new" title="Santander Direkt Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Direkt_Bank&#38;action=edit&#38;redlink=1">Santander Direkt Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Holanda</strong>
<ul>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Hungría</strong>
<ul>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Italia</strong>
<ul>
<li><a class="new" title="Santander Consumer Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Bank&#38;action=edit&#38;redlink=1">Santander Consumer Bank</a></li>
<li><a class="new" title="Santander Private Banking (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Private_Banking&#38;action=edit&#38;redlink=1">Santander Private Banking</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Noruega</strong>
<ul>
<li><a class="new" title="Santander Consumer Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Bank&#38;action=edit&#38;redlink=1">Santander Consumer Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Polonia</strong>
<ul>
<li><a class="new" title="Santander Consumer Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Bank&#38;action=edit&#38;redlink=1">Santander Consumer Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Portugal</strong>
<ul>
<li><a title="Banco Santander Totta" href="http://es.wikipedia.org/wiki/Banco_Santander_Totta">Banco Santander Totta</a></li>
<li><a class="new" title="Grupo Santander Totta (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander_Totta&#38;action=edit&#38;redlink=1">Grupo Santander Totta</a></li>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>República Checa</strong>
<ul>
<li><a class="new" title="Santander Consumer Finance (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Consumer_Finance&#38;action=edit&#38;redlink=1">Santander Consumer Finance</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Reino Unido</strong>
<ul>
<li><a title="Abbey" href="http://es.wikipedia.org/wiki/Abbey">Abbey</a></li>
<li><a class="new" title="Cahoot (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Cahoot&#38;action=edit&#38;redlink=1">cahoot</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Suiza</strong>
<ul>
<li><a class="new" title="Santander Private Banking (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Private_Banking&#38;action=edit&#38;redlink=1">Santander Private Banking</a></li>
<li><a class="new" title="Optimal Investment Services (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Optimal_Investment_Services&#38;action=edit&#38;redlink=1">Optimal Investment Services</a></li>
</ul>
</li>
</ul>
<p><a id="Am.C3.A9rica" name="Am.C3.A9rica"></a></p>
<h3><span class="mw-headline">América</span> <span class="editsection" style="font-size:small;font-weight:normal;float:none;margin-left:0;">[<a title="América" href="http://es.wikipedia.org/w/index.php?title=Grupo_Santander&#38;action=edit&#38;section=8">editar</a>]</span></h3>
<ul>
<li><strong>Argentina</strong>
<ul>
<li><a class="new" title="Banco Santander Rio (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_R%C3%ADo&#38;action=edit&#38;redlink=1">Banco Santander Río</a></li>
<li>Hasta Diciembre de 2007, <a class="new" title="Origenes AFJP (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Or%C3%ADgenes_AFJP&#38;action=edit&#38;redlink=1">Orígenes AFJP</a> era de su pertenencia, junto a <a class="new" title="Banco de la provincia de Buenos Aires (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_de_la_provincia_de_Buenos_Aires&#38;action=edit&#38;redlink=1">Banco de la provincia de Buenos Aires</a>, los cuáles vendieron la empresa al banco holandés <a class="new" title="ING Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=ING_Bank&#38;action=edit&#38;redlink=1">ING Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Bahamas</strong>
<ul>
<li><a class="new" title="Santander Private Banking (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Private_Banking&#38;action=edit&#38;redlink=1">Santander Private Banking</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Brasil</strong>
<ul>
<li><a class="new" title="Banco Santander Banespa (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_Banespa&#38;action=edit&#38;redlink=1">Banco Santander Banespa</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Colombia</strong>
<ul>
<li><a class="new" title="Banco Santander Colombia (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_Colombia&#38;action=edit&#38;redlink=1">Banco Santander Colombia</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Chile</strong>
<ul>
<li><a title="Administrador Financiero de Transantiago" href="http://es.wikipedia.org/wiki/Administrador_Financiero_de_Transantiago">Administrador Financiero de Transantiago</a></li>
<li><a class="new" title="AFP Bansander (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=AFP_Bansander&#38;action=edit&#38;redlink=1">AFP Bansander</a>(vendida a ING en Enero de 2008)</li>
<li><a class="mw-redirect" title="Banco Santander Chile" href="http://es.wikipedia.org/wiki/Banco_Santander_Chile">Banco Santander (Chile)</a></li>
<li><a class="new" title="Banco Santander Banefe (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_Banefe&#38;action=edit&#38;redlink=1">Banco Santander Banefe</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Estados Unidos</strong>
<ul>
<li><a class="new" title="Santander Private Banking (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Private_Banking&#38;action=edit&#38;redlink=1">Santander Private Banking</a></li>
<li><a class="new" title="Sovereign Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Sovereign_Bank&#38;action=edit&#38;redlink=1">Sovereign Bank</a> (25% del capital)</li>
</ul>
</li>
</ul>
<ul>
<li><strong>Mexico</strong>
<ul>
<li><a class="mw-redirect" title="Banco Santander" href="http://es.wikipedia.org/wiki/Banco_Santander">Banco Santander</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Panamá</strong>
<ul>
<li><a class="new" title="Banco Santander de Panamá (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_de_Panam%C3%A1&#38;action=edit&#38;redlink=1">Banco Santander de Panamá</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Perú</strong>
<ul>
<li><a class="new" title="Banco Santander del Perú (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_del_Per%C3%BA&#38;action=edit&#38;redlink=1">Banco Santander del Perú</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Puerto Rico</strong>
<ul>
<li><a class="new" title="Banco Santander Puerto Rico (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_Puerto_Rico&#38;action=edit&#38;redlink=1">Banco Santander Puerto Rico</a></li>
<li><a class="new" title="Santander Overseas Bank (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Santander_Overseas_Bank&#38;action=edit&#38;redlink=1">Santander Overseas Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Uruguay</strong>
<ul>
<li><a class="new" title="Banco Santander Uruguay (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Santander_Uruguay&#38;action=edit&#38;redlink=1">Banco Santander Uruguay</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Venezuela</strong>
<ul>
<li><a title="Banco de Venezuela" href="http://es.wikipedia.org/wiki/Banco_de_Venezuela">Banco de Venezuela</a></li>
</ul>
</li>
</ul>
<p><a name=".C3.81frica"></a></p>
<h3><span class="mw-headline">África</span></h3>
<ul>
<li><strong>Marruecos</strong>
<ul>
<li><a title="Attijariwafa Bank" href="http://es.wikipedia.org/wiki/Attijariwafa_Bank">Attijariwafa Bank</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Mozambique</strong>
<ul>
<li><a class="new" title="Banco Standard Totta de Mozambique (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Standard_Totta_de_Mozambique&#38;action=edit&#38;redlink=1">Banco Standard Totta de Mozambique</a></li>
</ul>
</li>
</ul>
<ul>
<li><strong>Santo Tomé y Príncipe</strong>
<ul>
<li><a class="new" title="Banco Internacional de Santo Tomé y Principe (aún no redactado)" href="http://es.wikipedia.org/w/index.php?title=Banco_Internacional_de_Santo_Tom%C3%A9_y_Pr%C3%ADncipe&#38;action=edit&#38;redlink=1">Banco Internacional de Santo Tomé y Príncipe</a></li>
</ul>
</li>
</ul>
<p><a id="Enlaces" name="Enlaces"></a></p>
<h2><span class="mw-headline">Enlaces</span></h2>
<ul>
<li><a class="external text" title="http://www.santander.com/" rel="nofollow" href="http://www.santander.com/">Web del Grupo Santander</a></li>
<li><a class="external text" title="http://www.cotizalia.com/ficha_valor/indice.asp?carpeta=mc&#38;meva=M_SAN" rel="nofollow" href="http://www.cotizalia.com/ficha_valor/indice.asp?carpeta=mc&#38;meva=M_SAN">Cotización del Grupo Santander</a></li>
</ul>
]]></content:encoded>
</item>

</channel>
</rss>
