VASILIS (ezio auditore) έγραψε: Παρακαλώ.
Το excel τον έκανε.

Μήπως η αδύναμη κεφαλαιακή επάρκεια οδήγησε σε αλλαγή ονόματος την ING;;;

Fitch Ratings-London/Paris-22 April 2015: Fitch Ratings has assigned ING Group's (A/Negative) issue of additional Tier 1 convertible notes a final rating of 'BB'.

The final rating is in line with the expected rating Fitch assigned to the notes on 7 April 2015 (see "Fitch Rates ING Group's Additional Tier 1 Capital Instruments 'BB(EXP)'' at www.fitchratings.com).

The notes are CRD IV-compliant perpetual additional Tier 1 contingent convertible capital securities. The notes are subject to automatic conversion if ING Group's consolidated common equity Tier 1 (CET1) ratio falls below 7%, and any coupon payments may be cancelled at the discretion of the group.

KEY RATING DRIVERS
The rating is five notches below ING Group's implicit intrinsic creditworthiness. The latter reflects somewhat higher risk in ING Group as a holding company compared with its main operating company ING Bank (A+/Negative/a). The notching reflects the notes' higher expected loss severity when compared with average recoveries (two notches) as well as high risk of non-performance (an additional three notches).

The notching for loss severity reflects the instruments' deep subordination, full contractual automatic conversion language, and that the instruments can be converted before the point of non-viability.

The three notches for non-performance risk reflect the instruments' fully discretionary coupon payment, which Fitch considers as the most easily activated form of loss absorption. The consolidated phased-in CET1 ratio of ING Group (where the 7% trigger applies) was 13.5% (fully-loaded CET1 ratio of 10.5%) at end-December 2014.

Fitch expects the Dutch regulator to impose restrictions on interest payments on the notes should ING Group's capital approach the estimated Pillar 1 limit of 10% CET1 phased in by 2019 (4.5% minimum CET1 plus 2.5% capital conservation buffer plus 3% systemic risk buffer). Given ING Group's robust capital position, the current level of distributable items and Fitch's expectations for their evolution, the agency has limited the notching for non-performance to three notches.

Given the securities are perpetual, their deep subordination, coupon flexibility and going concern mandatory conversion of the instruments, Fitch has assigned 100% equity credit.

RATING SENSITIVITIES
As the notes are notched down from ING Group's implicit intrinsic creditworthiness, their rating is broadly sensitive to the same factors as those that would affect ING Bank's Viability Rating. Their rating is also sensitive to the implied notching of ING Group from ING Bank, which factors in the risk in the remaining insurance operations.

The notes' rating is also sensitive to changes in Fitch's assessment of their non-performance risk relative to that captured in ING Bank's VR.

Contact:
Primary Analyst
Jens Hallen
Senior Director
+44 20 3530 1326
Fitch Ratings Limited
30 North Colonnade
London E14 5GN

Secondary Analyst
Bjorn Norrman
Director
+44 20 3530 1330

Committee Chairperson
Olivia Perney Guillot
Senior Director
+33 144 299 174

Media Relations: Elaine Bailey, London, Tel: +44 203 530 1153, Email: Αυτή η διεύθυνση ηλεκτρονικού ταχυδρομείου προστατεύεται από κακόβουλη χρήση. Χρειάζεται να ενεργοποιήσετε την Javascript για να τη δείτε. .

Additional information is available at www.fitchratings.com.

Applicable criteria, 'Global Bank Rating Criteria', dated 20 March 2015, is available at www.fitchratings.com.

The following issuer(s) did not participate in the rating process, or provide additional information, beyond the issuer's available public disclosure: ING Group


Applicable Criteria and Related Research:
Global Bank Rating Criteria

Additional Disclosure
Solicitation Status
ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.

Χθες, μου πρότειναν αυτό το προϊόν της Generali.


www.generali.gr/main/index.php?option=co...8&Itemid=296&lang=el

Δεν έχω περισσότερες πληροφορίες, καθώς δεν έχω συναντηθεί ακόμη με εκπρόσωπο της εταιρίας.

Σε γενικές γραμμές, πάντως, καταθέτεις χρήματα ως συνταξιοδοτικό πρόγραμμα.
Μπορείς να καταθέσεις εφάπαξ ένα ποσόν, μέσω εμβάσματος, σε λογαριασμό της Generali.

Το ποσόν αυτό, μετα τον δεύτερο χρόνο τοκίζεται με 3%.
Μπορείς να πάρεις τα λεφτά κ μετά απο 1 χρόνο, με επιτόκιο όμως, 1%..

Τέλος, μπορείς να ζητήσεις να σου επιστρεφουν τα λεφτα μέσω μηνιαίας " συνταξης", αργότερα..

Γιατί να το κανεις;
Κυρίως για προστασία των χρημάτων απο ενδεχόμενο " κούρεμα", έκτακτης φορολόγησης, ή Grexit..


Μεxρι να μάθω περισσότερα..

Έχει κανείς ιδέα για το πρόγραμμα αυτό;

ΠΑΝΑΓΙΩΤΗΣ (kampos) έγραψε: Καλό ακούγεται...σαν επενδυση και όχι τόσο για σύνταξη ε; Πρέπει να διαβάσεις τα ψιλά ψιλα γράμματα της σύμβασης.

Optimus (optimus) έγραψε:
Πιο πολύ σαν παρκάρισμα το σκέφτομαι..
Δεν δηλώνονται ούτε φορολογούνται..
Αλλα ούτε κ φαίνονται πουθενά..
Ίδωμεν..

ΠΑΝΑΓΙΩΤΗΣ (kampos) έγραψε:
Είσαι σίγουρος γι'αυτό; Νομίζω, χωρίς να είμαι σίγουρος, από τις φετινές φορολογικές δηλώσεις υπήρχε υποχρεώση αναγραφής ασφαλιστικών/συνταξιοδοτικών προγραμμάτων, δηλαδή δήλωνες πόσα έδινες για τέτοια προγράμματα και αυτό υπολογιζόταν στο πόθεν έσχες σου.

JeT έγραψε:
Δεν βρήκα κάποιο πεδίο στην Ε1 που να μας υποχρεώνει να δηλώσουμε ποσά ασφαλιστικών κ συνταξιοδοτικών πργραμματων.

ΠΑΝΑΓΙΩΤΗΣ (kampos) έγραψε:
Στο περιουσιολόγιο θα βρεις..

alex.g έγραψε:
Αυτό, που όλο λένε πως θα φτιάξουν;;;