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Peste 6.260 de elevi, cu vârsta între 13-15 ani, din 390 de școli, licee și colegii de la nivel național s-au înscris la ediția a VI-a a finalei naționale a concursului European Money Quiz organizată de Asociația Română a Băncilor în parteneriat cu Banca Naţională a României, Autoritatea de Supraveghere Financiară, Ministerul Finanțelor și Institutul Bancar Român. European Money Quiz este o competiție europeană care s-a desfășurat în cadrul Global Money Week și European Money Week, în luna martie 2024, acestea fiind programe internaționale de conștientizare privind creșterea nivelului de educație financiară și digitală.

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Peste 4.300 de elevi cu vârsta între 13-15 ani din 228 de școli, licee și colegii de la nivel național s-au înscris la ediția a V-a a finalei naționale a concursului European Money Quiz organizată de Asociația Română a Băncilor în parteneriat cu Institutul Bancar Român.
European Money Quiz este o competiție europeană care urmărește testarea cunoștințelor de educație financiară în rândul elevilor cu vârsta între 13-15 ani.

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Campania băncilor din România #DreptulLaBanking, dezvoltată cu sprijinul Asociației Române a Băncilor (ARB), organizează la Iași, în perioada 20-24 martie 2023, un concurs de educație financiară, la care participanții vor putea câștiga 30 de premii în valoare de 800 lei fiecare. Concursul, intitulat “Dreptul la Banking te învață arta stabilității financiare”, are loc cu ocazia Săptămânii Europene a Banilor, ieșenii fiind invitați în fața Palas Mall, pentru a răspunde la un quiz cu întrebări pe teme financiare. Cei care vor furniza toate răspunsurile corecte vor fi înscriși la o tombolă și vineri, 24 martie 2023, vor afla dacă sunt printre câștigători.
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București, 10 noiembrie 2022 – Poliția Română, Directoratul Național de Securitate Cibernetică (DNSC), Asociația Română a Băncilor (ARB) și Microsoft au lansat, cu prilejul Lunii Europene a Securității Cibernetice (European Cybersecurity Month) 2022, o nouă componentă educațională pe site-ul sigurantaonline.ro, una dedicată copiilor.

Scorul mediu de alfabetizare financiară în rândul celor peste 4.000 de români care și-au testat cunoștințele de educație financiară în cadrul campaniei “#Dreptullabanking îți aduce libertate de mișcare” este de 7,53. Aproximativ 22,5% dintre participanți au oferit răspunsuri corecte la peste 80% din întrebări și au fost desemnați câștigători. Astfel, 900 de participanți au câștigat abonamente Metrorex și/sau STB pentru o lună.
Românii au fost invitați, timp de o săptămână, să își testeze cunoștințele de educație financiară în cadrul campaniei #Dreptullabanking, campania băncilor din România dezvoltată cu sprijinul Asociației Române a Băncilor (ARB), la stația de metrou Universitate, până la data de 2 noiembrie 2022. Peste 4.000 de români și-au testat cunoștințele de educație financiară în cadrul campaniei “#Dreptullabanking îți aduce libertate de mișcare”.

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Românii sunt invitați, timp de o săptămână, să își testeze cunoștințele de educație financiară în cadrul campaniei #Dreptullabanking, campania băncilor din România dezvoltată cu sprijinul Asociației Române a Băncilor (ARB), la stația de metrou Universitate, până la data de 2 noiembrie 2022. Câștigătorii vor primi abonamente Metrorex /STB pentru o lună. Campania „Dreptul la Banking îți aduce libertatea de mișcare” se va desfășura la stația de metrou Universitate și presupune completarea unui quiz cu întrebări pe teme de educație financiară.

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Autoritatea de Supraveghere Financiară în parteneriat cu Banca Națională a României, Ministerul Finanțelor și Asociația Română a Băncilor organizează cea de a patra ediție a programului de educație financiară – FinClub – destinat elevilor de liceu din clasele a X-a – a XII-a, an școlar 2022-2023, pasionați de piața financiară.

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Banca Națională a României (BNR), Autoritatea de Supraveghere Financiară (ASF), Ministerul Finanțelor (MF) și Asociația Română a Băncilor (ARB) au organizat, în perioada iunie – august 2022, a patra ediție a proiectului „Tabăra urbană de educație financiară”.
Proiectul este derulat anual, sub auspiciile Acordului de Colaborare privind Educația Financiară și este dedicat elevilor din clasele a VI-a și a VII-a. În acest an, elevii care au avut prilejul să fie parte a acestei experiențe sunt înscriși la unități școlare din București, Ilfov, Timiș, Cluj, Dolj, Iași, Constanța.

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Autoritatea de Supraveghere Financiară, Academia de Studii Economice din București și Asociația Română a Băncilor au organizat, în data de 9 iunie 2022, prima ediție a Forumului Educației Financiare, un eveniment desfășurat sub Înaltul Patronaj al Președintelui României.

Forumul Educației Financiare își propune să fie, an de an, un reper în promovarea programelor de educație financiară și un catalizator al inițiativelor în acest domeniu.

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Peste 2.700 de elevi cu vârsta între 13-15 ani din peste 180 de școli, licee și colegii de la nivel național au participat la ediția a IV-a a finalei naționale a concursului European Money Quiz organizată de Asociația Română a Băncilor în parteneriat cu Banca Națională a României, Autoritatea de Supraveghere Financiară, Ministerul Finanțelor și Institutul Bancar Român. Numărul elevilor participanți la competiția națională de educație financiară a crescut cu 65%, comparativ cu ediția de anul trecut. Aproximativ 75% dintre elevi au acordat răspunsuri corecte la cel puțin 10 întrebări din totalul celor 15 întrebări de educație financiară din cadrul concursului

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Autoritatea de Supraveghere Financiară în parteneriat cu Banca Națională a României, Ministerul Finanțelor și Asociația Română a Băncilor organizează cea de a doua ediție a programului de educație financiară – FinClub – destinat elevilor de liceu din clasele a X-a – a XII-a, pasionați de piața financiară.

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Platforma DreptulLaBanking a lansat sezonul trei al primului show on line de educație financiară din România, “La Taclale și parale”. Emisiunea on line, care este concepută sub forma unui concurs de cunoștințe generale pe teme financiare, a fost lansată anul trecut, iar gazda emisiunii este Cabral. De la debutul emisiunii “La Taclale și parale” și până în prezent, gradul de conștientizare a depășit 2 milioane de români care au citit mesajele privind organizarea acestui show, iar 900.000 de persoane au urmărit efectiv emisiunea on line de educație financiară. Aproximativ 2.000 de români adulți s-au înscris până în prezent la cele 3 sezoane, iar dintre aceștia 50 de persoane au participat la emisiunea de tip quiz.

Sezonul III include cinci emisiuni, difuzate săptămânal pe Facebook pe pagina @DreptulLaBanking și  pe www.dreptullabanking.ro, sâmbăta, în perioada 5 iunie – 3 iulie 2021.

La emisiuni se pot înscrie concurenți cu vârsta minimă de 18 ani, persoane care își doresc să aprofundeze noțiuni de educație financiară într-un mod interactiv și plăcut. Ocupanții locurilor I și II ai primelor trei ediţii se vor înfrunta în marea finală, premiul cel mare fiind oferit de Asociația  Română a Băncilor în valoare de 1.000 euro. Câștigătorii primelor trei ediții vor beneficia de un premiu de 500 lei/per ediție.

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Asociația Română a Băncilor a devenit membru afiliat al Organizației pentru Cooperare și Dezvoltare Economică – Rețeaua Internațională de Educație Financiară, începând cu luna aprilie 2021. Statutul de membru afiliat al OECD/ INFE este rezervat organizațiilor non-guvernamentale și organizațiilor non-profit, cum este Asociația Română a Băncilor, din mediul academic și fundațiilor care au preocupări în sfera educației și a educației financiare.

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Ministerul Educației și Cercetării, Banca Națională a României, Asociația Română a Băncilor, Institutul Bancar Român, Autoritatea de Supraveghere Financiară și Institutul de Studii Financiare anunță acreditarea singurului curs integral „Educație economico-financiară pentru profesori„. Grupul-țintă al acestui curs este personalul didactic din învățământul gimnazial care predă disciplina „Educație socială” elevilor de clasa a VIII-a. Începând cu anul de studiu 2020-2021, educația financiară a devenit materie obligatorie pentru elevii clasei a VIII-a, fiind cuprinsă în disciplina „Educație socială„.

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Peste 1.630 de elevi cu vârsta între 13-15 ani din 125 de școli, licee și colegii de la nivel național au participat la ediția a III-a a finalei naționale a concursului European Money Quiz organizată de Asociația Română a Băncilor (ARB), numărul participanților și cel al instituțiilor de învățământ fiind duble comparativ cu anul trecut.
Trei elevi de la Colegiul Tehnic „Emanuil Ungureanu” din Timișoara, Școala Gimnazială „Avram Iancu” și Liceul Teoretic Internațional de Informatică din București au fost câștigătorii ediției de anul acesta a concursului național European Money Quiz, oferind cele mai multe răspunsuri corecte în cel mai scurt timp. Câștigătorul locului I primește un premiu în valoare de 3.000 lei net, câștigătorul premiului II beneficiază de 2.000 lei net și ocupantul locului III primește un premiu în valoare de 1.000 lei net.

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Asociația Română a Băncilor (ARB) invită elevii cu vârsta cuprinsă între 13-15 ani să-și testeze cunoștințele de educație financiară la ediția a III-a a finalei naționale a concursului European Money Quiz care se desfășoară online la data de 25 martie 2021, ora 13:00. Gazda concursului va fi prezentatorul de televiziune Cabral Ibacka, care asigură și moderarea show-ului on line de educație financiară cu întrebări despre bani și banking, „La Taclale & Parale” dezvoltat de comunitatea bancară.

Elevii care doresc să participe la concursul cu premii European Money Quiz trebuie să se înscrie la Institutul Bancar Român, partenerul tradițional al ARB, în baza informațiilor și a regulamentului de participare care pot fi accesate la https://www.educatiefinanciara.info/european-money-quiz/. Fiecare elev înregistrat va răspunde individual la 15 întrebări de educație financiară, adresate în limba română, în conformitate cu timpul alocat de platforma Kahoot!.

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Ministerul Educației, Banca Națională a României, Ministerul Finanțelor, Autoritatea de Supraveghere Financiară și Asociația Română a Băncilor anunță lansarea platformei de educație financiară www.edu-fin.ro. Cele cinci instituții partenere invită entitățile angrenate în proiecte din domeniul educației financiare să își înscrie, până la finele lunii aprilie 2021, programele proprii de educație financiară, dezvoltate începând cu anul 2018, pe platforma www.edu-fin.ro, la secțiunea Cartea Albă.

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Platforma DreptulLaBanking invită publicul să se înscrie la al doilea sezon al show-ului online de educație financiară “La Taclale și Parale”. Show-ul este conceput sub forma unui concurs de cunosținte generale pe teme financiare, iar gazda emisiunii este Cabral.

Al doilea sezon include şase emisiuni, difuzate săptămânal pe Facebook pe pagina @DreptulLaBanking și pe www.dreptullabanking.ro, sâmbăta, de la ora 11.00. După succesul repurtat în vara anului 2020 în primul sezon al emisiunii online, sezonul doi aduce, pe lângă ediţia consacrată liderilor de companii, şi o emisiune pentru elevii de liceu. La ediția dedicată tinerilor  se pot înscrie elevi cu vârsta între 14 și 17 ani, împliniți la data începerii campaniei, cu consimțământul reprezentantului legal, premiul pentru câștigător fiind în valoare de 500 lei.

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Autoritatea de Supraveghere Financiară, Banca Națională a României, Ministerul Finanțelor Publice și Asociația Română a Băncilor lansează în parteneriat FinClub, un program de educație financiară destinat elevilor de liceu din clasele X-XII, pasionați de piața financiară.

Derulat sub auspiciile Acordului de Colaborare privind Educația Financiară, programul presupune crearea unui club de educație financiară a cărui activitate se va desfășura sub forma unor întâlniri online bilunare. Tematica întâlnirilor va acoperi subiecte ce țin de cunoașterea și aprofundarea noțiunilor și conceptelor financiare.

FinClub va permite în primul an participarea a 100 de elevi din toată țara, iar întâlnirile se vor organiza în perioada 1 septembrie 2020 – 1 iunie 2021. Înscrierile în FinClub pot fi făcute online, în intervalul 3 august 2020 – 24 august 2020. Formularul de înscriere și Regulamentul clubului pot fi găsite mai jos.

Participanții transmit intenția de înscriere în cadrul Programului utilizând adresa de e-mail edu@asfromania.ro, la care anexează cele două documente completate: Formularul de înscriere completat și Formularul privind acordarea consimțământului cu privire la prelucrarea datelor cu caracter personal.

Regulament FinClub

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Formular privind acordarea consimțământului cu privire la prelucrarea datelor cu caracter personal

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Formular de înscriere

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Platforma DreptulLaBanking lansează, la data de 25 iulie 2020, primul show online din România de educație financiară, “La Taclale și Parale”. Show-ul este conceput sub forma unui concurs de cunoștințe generale pe teme financiare, iar gazda emisiunii este CABRAL. În primul sezon vor fi cinci emisiuni, difuzate săptămânal pe Facebook pe pagina @DreptulLaBanking și pe www.dreptullabanking.ro, sâmbăta, de la ora 11.00, în perioada 25 iulie – 22 august 2020.

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Trei elevi cu vârsta între 13-15 ani de la Liceul Teoretic Internațional de Informatică, de la Școala Gimnazială Nicolae Labiș și de la Liceul Teoretic Ion Barbu din București au ocupat primele trei poziții în clasamentul finalei naționale a concursului european de educație financiară European Money Quiz organizat de Asociația Română a Băncilor (ARB). Aproximativ 800 de elevi cu vârsta între 13-15 ani, din 65 de școli și licee din România, au concurat la ediția de anul acesta a concursului european de educație financiară European Money Quiz, la care au participat peste 20 de țări europene.

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Doi elevi ai Colegiului Național „Sfântul Sava” vor reprezenta România la finala europeană a concursului de educație financiară European Money Quiz care se desfășoară la data de 7 mai 2019 la Bruxelles și la care participă 28 de state europene. Peste 900 de elevi, cu vârste cuprinse între 13 și 15 ani, au participat la finala națională a concursului european de educație financiară, European Money Quiz, organizată de Asociația Română a Băncilor (ARB) printr-un parteneriat educaţional cu Institutul Bancar Român (IBR).

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Asociatia Romana a Bancilor sustine participarea elevilor din Romania, cu varsta între 13-15 ani, la finala nationala a concursului european de educatie financiara European Money Quiz, care se desfasoara la data de 28 martie 2019 in Romania.

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Ministerul Educatiei Nationale, Banca Nationala a Romaniei, Ministerul Finantelor Publice, Autoritatea de Supraveghere Financiara si Asociatia Romana a Bancilor au incheiat un Acord de colaborare pentru realizarea de activitati comune in domeniul educatiei financiare si elaborarea Strategiei Nationale de Educatie Financiara (SNEF).

Scopul acordului vizeaza dezvoltarea, insusirea si aprofundarea unor elemente ale educatiei financiare la nivelul invatamantului primar, gimnazial, liceal, universitar si al persoanelor adulte. Acordul de colaborare asigura un cadru inter-institutional prin intermediul caruia cele cinci parti semnatare vor realiza activitati comune in domeniul educatiei financiare pentru grupurile tinta si schimburi de experienta privind initiativele existente ale partenerilor in domeniul educatiei financiare.

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Asociaţia Română a Băncilor (ARB) și Institutul Bancar Român (IBR) au organizat cea de-a 4-a ediție a evenimentului educațional “Noi tendințe în reglementare, cu focus pe protecția consumatorului” sub egida programului European Money Week, în data de 12 martie 2018.

Programul European Money Week a debutat în anul 2015 și se desfăşoară simultan în statele membre ale Uniunii Europene fiind o acţiune iniţiată de asociaţiile bancare membre ale Federaţiei Bancare Europene, la care ARB este membră. Obiectivul organizării European Money Week la nivelul Uniunii Europene este creșterea nivelului de conștientizare privind importanța educației financiare. Educația financiară promovează o relație echilibrată între clienți și bănci la nivel micro, iar la nivel macroeconomic clienții bancari educați în domeniul financiar asigură stabilitatea sistemului.

În cadrul primei ediţii a European Money Week, Asociaţia Română a Băncilor a lansat site-ul dedicat de educaţie financiară www.educatiefinanciara.info având ca obiectiv promovarea către publicul larg a informaţiilor de natură financiar-bancară care permit asumarea corespunzătoare de către consumatorii de servicii financiare a drepturilor, obligaţiilor şi riscurilor aferente acestora. La cea de a doua ediție a European Money Week, s-a lansat inițiativa public – privată denumită Platforma de Educație Financiară, concepută prin implicarea stakeholderilor întregii pieţe financiare. Obiectivul agregator al partenerilor Platformei îl reprezintă creșterea nivelului de educație financiară în România. În cadrul ediției a treia, ARB și IBR au organizat conferința „Noua paradigmă la nivel european: consumatorul de servicii financiare, între transparenţă şi riscuri”.

Studiul realizat de KPMG

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Prezentari speakeri:

Maria MAXIM – Partener, Wolf Theiss

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Dorin Alexandru BADEA – Vicepreşedinte CFA Romania

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În premieră pentru industria financiară din România în materie de proiecte educaționale comune în beneficiul clienților, Manualul practic pentru utilizatorul de servicii financiare este lansat sub brandul Platforma de Educaţie Financiară. Manualul practic pentru utilizatorul de servicii financiare reprezintă o sinteză de informații utile clienților actuali și viitori care utilizează servicii și produse financiare sau oricărei persoane care dorește să se familiarizeze cu concepte din piața bancară, piața de capital, asigurări, pensii și leasing.

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Comunicat de presa

Platforma de Educație Financiară concentrează 21 de entități public – private invitate:

  1. Academia de Studii Economice din București
  2. Asociația Administratorilor de Fonduri din România
  3. Asociația Analiștilor Financiar – Bancari din România
  4. Asociația Brokerilor
  5. Asociația de Plăți Electronice din România
  6. Asociația pentru Pensiile Administrate Privat din România
  7. Asociația Română a Băncilor
  8. Asociația Română a Brokerilor de Credite
  9. Asociaţia Societăţilor de Leasing Operaţional
  10. Asociația Societăților Financiare din România
  11. Autoritatea Națională pentru Protecţia Consumatorilor
  12. Banca Națională a României
  13. Bursa de Valori București
  14. Consiliul Patronatelor Bancare din România
  15. Depozitarul Central
  16. Institutul Bancar Român
  17. Mastercard România
  18. Ministerul Educației Naționale
  19. Uniunea Națională a Societăţilor de Asigurare și Reasigurare din România
  20. Uniunea Naţională a Societăţilor de Intermediere și Consultanţă în Asigurări din România
  21. Visa România

Membrii Platformei de Educație Financiară mizează pe o colaborare interinstituțională care să vizeze promovarea conținutului educațional.

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Asociaţia Română a Băncilor (ARB) organizează, în săptămâna 27 – 31 martie 2017, cea de a treia ediţie a programului European Money Week.

În cadrul acestui program, Asociaţia Română a Băncilor și Institutul Bancar Român organizează conferinţa „Noua paradigmă la nivel european:  consumatorul de servicii financiare, între transparenţă şi riscuri”. Evenimentul se desfasoară în data de 28 martie 2017 la Institutul Bancar Român.

Agenda seminar

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Prezentari:

Sergiu Manea
Preşedinte Executiv
Banca Comercială Română (BCR)

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Dragoş Bogdan
Founding Partner
STOICA & Asociaţii

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Cornelia Jiloan
Director Direcţia Conformare
Banca Transilvania

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Ana Atanasiu
Managing Associate
Partner Reff & Associates, Deloitte Legal

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Rodica Tuchilă
Consilier financiar bancar
Asociația Română a Băncilor

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Elena Iacob
Partner
Zamfirescu Racoți & Partners

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Asociația Română a Băncilor a primit Premiul Special – „Educație Financiară” decernat de Asociația Română a Brokerilor de Credite în cadrul ediției a II a Galei Anuale “Experiență, Excelență și Viitor în Servicii Financiare”, care s-a desfășurat în data de 23 martie 2017. Premiul Special – „Educație Financiară” a fost acordat ARB în semn de recunoaștere a eforturilor depuse de asociație, alături de partenerii săi, în vederea creșterii nivelului de educație financiară în rândul consumatorilor.

Asociaţia Română a Băncilor (ARB) organizează, în săptămâna 14 – 18 martie 2016, cea de a doua ediţie a programului European Money Week. Institutul Bancar Român este partenerul educaţional al comunităţii bancare în această ediţie a programului.

Programul European Money Week, care a debutat în anul 2015, se desfăşoară simultan în statele membre ale Uniunii Europene fiind o acţiune iniţiată de asociaţiile bancare membre ale Federaţiei Bancare Europene (FBE). Obiectivul organizării European Money Week la nivelul Uniunii Europene este creșterea nivelului de conștientizare privind importanța educației financiare. Educația financiară promovează o relație echilibrată între clienți și bănci la nivel micro, iar la nivel macro clienții bancari educați asigură stabilitatea sistemului.

emw-2016

În cadrul primei ediţii a European Money Week, Asociaţia Română a Băncilor a lansat site-ul dedicat de educaţie financiară www.educatiefinanciara.info în dorinţa de a promova pentru publicul larg informaţiile de natură financiar bancară care permit asumarea corespunzătoare a drepturilor, obligaţiilor şi riscurilor de natură financiară.

He stood there for a long time. Tami Joan and John desperately retreated until they reached the other side 300-101 Dumps Exam of the door, holding two sweaty IIA-CFSA test bodies tightly together. The drivers hand bent into the shape of a cup, blocking the lights shone on the street 200-125 Exam Dumps light, looked at them more carefully. Prepexamwell 300-101 Dumps Exam Suddenly, a Prepexamwell 300-101 Dumps Exam loud noise echoed in the air. Tameron could not help but constricted a while, and John made a short, screaming Learningpdf scream. Behind the driver, the air in IIA-CFSA test the distance was filled with bright red and blue flame stripes instantly. Then again 200-125 Exam Dumps is a few roar Learningpdf 200-125 Exam Dumps and scream. The driver turns and looks up, Learningpdf just to see a huge, 200-125 Exam Dumps orange-red cobweb over the city. It was a fireworks, and Tamie remembered the news read in the newspaper. It is a gift from the host and the Secretary-General of the United Nations to the delegates attending the conference and welcomes them to this great city on Prepexamwell Earth. IIA-CFSA test The driver turned toward the taxi again. Pat soon, he opened the door lock, slowly opened the door. 2 As usual, the Learningpdf informant did not leave a name. Therefore, there is no other way to pour back into the past to understand what the reporter said is a piece of open space. The headquarters radio said He said it was on the Prepexamwell 37th Street near Eleventh Street. Those Learningpdf at the Notification Center never figured out where the exact 300-101 Dumps Exam location of the murder was. Although it is nine oclock in the morning, it has made people sweat more than hot. Emilia Shakes lay aside a tall grass thatch. She IIA-CFSA test is conducting a search of light – a jargon of crime scene investigators – searching for suspicious objects with an S-shaped route. Nothing at all She looked Prepexamwell down at 300-101 Dumps Exam the intercom on the dark blue uniform shirt. Patrolman 5885 calls headquarters without any notice. Do you 200-125 Exam Dumps have any further news The dispatcher replied in a bumpy noise 5885, there is 300-101 Dumps Exam no more information about the scene of the crime at the moment, but one thing The informant said he hoped the victim was dead. Please say IIA-CFSA test it again, 300-101 Dumps Exam headquarters. The complainant said he hoped the victim was already dead. He IIA-CFSA test said it Prepexamwell would be best if so. IIA-CFSA test Finished. Hopefully the victim Dead Shakes struggled across a broken barbed wire and began searching for another piece of open space. Still not found. She wants to leave. Just call 10-90, 200-125 Exam Dumps report that without any discovery, you can return to the Si Si area, it is her daily patrol area. Her Learningpdf knees hurt and she felt as if she had been roasted on a terrible August day. She just wanted to slip to the Port 300-101 Dumps Exam Authority and get stuck with 300-101 Dumps Exam the Little Furrier there and come back to a large can of Arizona iced tea. Then, at eleven thirty – just two hours now – she was able to IIA-CFSA test clear the drawers in the south section of Midtown and go IIA-CFSA test to the lower town for training. But she finally did not do this. She can not leave this briefing without answering the phone call. As she continued to move on, she walked along the hot sidewalk through the path between the two abandoned apartments and into another covered, planted area. She slid 300-101 Dumps Exam her slender forefinger down into her flat-top hat and scratched it with irresistible restraints through layers of long, red hair Learningpdf on Learningpdf her head. In order to scratch more scalp, she simply faded her cap side, while crazy 300-101 Dumps Exam scratch. Sweat Prepexamwell streaming down her forehead, itchy, so she fiercely blew a few brows.

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La ediţia din acest an a programului European Money Week, Asociaţia Română a Băncilor şi Institutul Bancar Român organizează conferința „ROLUL INDUSTRIEI FINANCIARE ÎN ECONOMIE ŞI COSTUL EDUCAŢIEI FINANCIARE”, în data de 14 martie 2016, conform programului anexat. La această dezbatere vor participa reprezentanţii industriei financiare, ai mediului academic, mass media etc.

De asemenea, în data de 16 martie 2016, Asociaţia Română a Băncilor şi Institutul Bancar Român vor organiza seminarul „IMPORTANȚA EDUCAȚIEI FINANCIARE PENTRU UN TÂNĂR ANTREPRENOR”, conform programului anexat. Audienţa invitată este formată din studenţi/elevi în anii terminali.

Agenda seminar 14.03.2016

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Agenda seminar 16.03.2016

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Prezentari:

Sergiu OPRESCU
Presedinte Consiliul Director al ARB
si Presedinte Alpha Bank

Descarca

Felix DANILIUC
Presedinte Asociatia Societatilor Financiare din Romania

Descarca

Adrian MARIN
Membru in Comitetul de Directie al UNSAR

Descarca

Razvan FAER
Presedinte APERO

Descarca

IMG_8956
IMG_6331
IMG_8902
IMG_8885
IMG_8883
IMG_8879

Asociația Română a Băncilor a fost premiată în cadrul GALEI eFINANCE 2016 la secțiunea e-education pentru lansarea în 2015 a website-ului de educație financiară www.educatiefinanciara.info , în care sunt prezentate marelui public noțiuni financiare bancare privind drepturile, obligațiile și riscurile în creditare, dar și soluții generale pentru restructurarea creditelor, modalități de evitare a fraudelor etc. (Florin DĂNESCU – Preşedinte Executiv ARB)

Gala-Premiilor-e-FINANCE-2016

She just wants to sleep. The plane 300-320 Dumps PDF lasted two hours later, waiting for the luggage time dragged too long. The airport shuttle bus also missed the moment, Learnguidepdf the bus as early as an hour ago already drove away. So, 70-417 dumps they have to wait for Testprepwell a taxi now. She stood in the 300-320 Dumps PDF waiting line, slim body due 300-320 Dumps PDF to the 70-417 dumps weight of the laptop tilted 70-417 dumps to one side. John talked about interest rates and new ideas for adjusting business 70-417 dumps partners, but she only thought 300-320 Dumps PDF of one thing it is Friday night at ten thirty, I want to wear pajamas, the United States Learnguidepdf and the United States to Learnguidepdf sleep. A yellow Testprepwell taxi endless stream passing her eyes. These cars are similar in color and Learnguidepdf shape, reminding her of insects. She remembered her when he was a child in the mountains. When she and her brother spotted a broken badger or kicked a red ant nest, she saw a large Testprepwell group of limbs and hands and feet wet wriggling on the ground. This chilling ADM-201 Practice Exam feeling made her shiver. A taxi speeding over, with 70-417 dumps a sharp brake sound abrupt halt. Tami Joan Kefas dragged forward. Driver press the trunk 300-320 Dumps PDF lock, but people did not Testprepwell move 300-320 Dumps PDF in the car. John was upset that they had to get Learnguidepdf their luggage on board. He is used to having others help him with these things. Tami Joan does not matter. Until Testprepwell now, Testprepwell she occasionally will be surprised, I actually have a secretary, help her typing and file management. She threw the suitcase Learnguidepdf ADM-201 Practice Exam onto the car, 300-320 Dumps PDF 70-417 dumps closed the trunk lid, and got into the car. John followed suit. He shut the door heavily, wiping his fat cheeks and his bare forehead as hard as he had done with his luggage. First to East ADM-201 Practice Exam 72nd Street. John murmured to the driver through the bulkhead. Then go to Upper West Side, Tami Joan added. Block the plexiglass partition between the front ADM-201 Practice Exam and rear seats covered with scratches, she could hardly see the driver. Taxi arrows rushed off the road and quickly ran up the highway to Manhattan. Look, John said. Thats why Learnguidepdf people are Testprepwell everywhere today. He pointed 70-417 dumps to a billboard that read Welcome to the United Nations Peace Testprepwell Conference.

He hurriedly recorded his conversation in a black book with a Testprepwell sweaty pen. Oh, just do it. Now, go Testprepwell to those trash cans, stay there and direct the traffic ADM-201 Practice Exam until the entire street is clear. Did you hear that Learnguidepdf 300-320 Dumps PDF She Learnguidepdf turned and left without saying anything good or not, A street, began to slowly move a few trash cans. Every driver who passed by her glared at her, and some mumbled in her mouth. Shakes glanced at the watch. Another hour I can hold on. 3 The peregrine falcon gently waving a few wings, landing in the edge Testprepwell of the windowsill. Outside the window, 70-417 dumps noon the sun bright and dazzling, the weather seems to be extremely hot. Finally, the man murmured, turning 70-417 dumps his head to the buzzing doorbell and looking at 300-320 Dumps PDF the door to the 300-320 Dumps PDF downstairs. Is he He shouted at the staircase, is it Lincoln Lyme turned his head to the 70-417 dumps window again without hearing any answer. The peregrine falcons head turned 70-417 dumps a little and moved very fast, just like a spasm, immediately returning to the original ADM-201 Practice Exam elegant gesture of keeping. Lyme noticed the blood stained its paw, 70-417 dumps and a piece of yellowish Learnguidepdf flesh was pulled by its small, Learnguidepdf black, nut shell-like beak. It stretches short neck, move 300-320 Dumps PDF slowly to the nest, the action is reminiscent of not a bird, but Learnguidepdf a snake. The peregrine Falcon dropped the Testprepwell ADM-201 Practice Exam meat into the small mouth of a blue-winged bird. What I now see 300-320 Dumps PDF is the only creature in New York City without any Learnguidepdf natural enemies, Lyme thought. Maybe God except God. He heard footsteps, and someone was walking up the stairs. Is he He asked Thomas. The young man answered, No. Who is that The doorbell rang, is not it Thomass eyes looked at the window. The bird 70-417 dumps is back.Look, ADM-201 Practice Exam theres blood on your ADM-201 Practice Exam windowsill.Do you see them The ADM-201 Practice Exam female peregrine faltered ADM-201 Practice Exam slowly into Lymes gaze. 300-320 Dumps PDF A blue-gray feather, gorgeous like fish. It is looking up, looking back and forth toward the sky. They are always together, will they be with them for life Exclaimed Thomas. Like a geese Lymes eyes returned to Thomas. The latter Testprepwell was bowing his strong, 70-417 dumps young waist forward, looking through the window, which was splashed with rain. Who is here Lyme asked again. He was annoyed by the deliberate ADM-201 Practice Exam delay of young ADM-201 Practice Exam people. Visitors. Visitors Ha Lyme snorted. He tried to Learnguidepdf recall when the last guest visit Testprepwell was. ADM-201 Practice Exam That is at 300-320 Dumps PDF least three months ago. Who was 300-320 Dumps PDF the guest last visited Maybe those reporters, or a distant relatives. Thats right, its Peter Chter, a spine ADM-201 Practice Exam neurologist in Lyme. Blaine has been here several times, but she certainly can not be a visitor. Its so cold Learnguidepdf here, complains Tommy, reaching out to open the window at the same time. Young typical performance. Testprepwell Lyme thought. Do not open the window, he ordered, well, tell me whos coming Its cold. Youre going 70-417 dumps to scare the bird.You can turn off the air conditioner.Ill be closed. Lets open again, said Tangmajas forcefully to lift the thick wooden frame of the window. The two birds got accustomed 300-320 Dumps PDF to playing since they moved in. Hearing 70-417 dumps the noise, the two peregrine falcons turned their heads and widened their ADM-201 Practice Exam eyes to the source of the noise. But they Testprepwell were just wide-eyed, still on the edge Learnguidepdf of the bay windows, overlooking monarchs overlooking the collapsed ginkgo trees in their territory and the car parked on both sides of the street. Lyme asked again Whos coming Leon Salet. Leon What did he do Thomas looked back and forth at the room.

Institutul Bancar Român cu sprijinul Băncii Naţionale a României şi al Asociaţiei Române a Băncilor organizează SUMMER BANKING ACADEMY în perioada 8 – 12 iunie 2015, la sediul IBR. Programul SUMMER BANKING ACADEMY este o platformă educaţională, oferit de IBR comunităţii bancare, cu sprijinul unor specialişti de marcă, în calitate de speakeri.

He stood there for a long time. Tami Joan and John desperately retreated until they reached the other side of the door, holding two sweaty bodies tightly together. The drivers hand bent into Cisco 210-260 Dumps the shape of a CISM Exam Dumps cup, blocking the lights shone on the street light, looked at them more carefully. Suddenly, a loud noise echoed in the air. Tameron could ICGB test not help but constricted a Cisco 210-260 Dumps while, and John made a CISM Exam Dumps short, screaming scream. Behind the driver, Bestexamview the air in the distance was filled with bright red and Bestexamview blue flame stripes instantly. Then again is a few roar and scream. The driver turns and looks up, Examtestview just to see a huge, orange-red Examtestview cobweb over the city. Examtestview It was a fireworks, and Tamie remembered the news read in the newspaper. It is a gift from the host and the Secretary-General of the United Nations to the delegates attending CISM Exam Dumps the conference Examtestview and welcomes them to this great city Cisco 210-260 Dumps on Earth. The driver turned toward the taxi again. Pat soon, he opened the door lock, slowly opened the door. 2 As usual, the informant did not leave Cisco 210-260 Dumps a name. Therefore, there is no other way to pour back into the past to understand what the reporter said is a piece of open space. The headquarters radio said He said it was on the 37th Street near Eleventh Street. Those at the Notification Center never figured out where the exact location of the murder was. Although it is nine oclock in the morning, it has Cisco 210-260 Dumps made people sweat more than hot. Emilia Shakes lay aside a tall grass thatch. She is conducting a search of light – a jargon of crime scene investigators – searching for suspicious objects with an S-shaped route. Nothing at all She looked down at the intercom ICGB test Cisco 210-260 Dumps on the dark blue uniform shirt. Patrolman 5885 calls headquarters without ICGB test CISM Exam Dumps any notice. Do you have any further news The dispatcher replied Bestexamview in a bumpy noise 5885, there is CISM Exam Dumps no more information about the scene of the crime at the moment, Bestexamview but one thing The informant said he hoped the victim was Examtestview dead. Please say Cisco 210-260 Dumps it again, Examtestview headquarters. The complainant said he hoped ICGB test the victim was already dead. He said it would be best if so. Finished. Hopefully the victim Dead Shakes struggled across a broken barbed wire and began searching for another Cisco 210-260 Dumps piece of open space. Still not found. She wants to leave. Just Cisco 210-260 Dumps call 10-90, report that without any discovery, you can return to the Si Si area, it is her daily patrol area. Her knees hurt and she felt as CISM Exam Dumps if she had been roasted on a terrible August day. She just wanted to slip to the Port Authority and get stuck with the Little Furrier there and come back to a large can of Arizona iced tea. Then, at eleven thirty – just two hours now – she was ICGB test able Examtestview Examtestview to clear ICGB test the drawers in the south section of Midtown and go to the CISM Exam Dumps lower town for training. But she Bestexamview finally did not do this. She can not leave this briefing without answering the phone call. As she CISM Exam Dumps continued to move on, she Bestexamview walked along the ICGB test hot sidewalk through the Examtestview path between the two abandoned apartments and into another covered, planted area. She slid her slender forefinger down into her flat-top hat and scratched it with irresistible restraints through layers of long, red hair on her head. In order to scratch more scalp, she simply faded her cap side, while crazy scratch. Sweat streaming down her forehead, itchy, so she fiercely blew a Cisco 210-260 Dumps few brows.

This place is really messy. Lyme does not like the mess when cleaning the room. He does not like the kind of chaos and roar, can not Examtestview stand the harsh vacuum cleaner – Bestexamview he found himself particularly annoyed that stuff. He was Examtestview satisfied with it, satisfied with what it is now. This room, ICGB test which he calls the ICGB test office, is located on the second floor of this Examtestview gothic, Cisco 210-260 Dumps Upper West Side apartment overlooking the Central Park. Bestexamview The room was large, twenty by twenty Examtestview feet square, but almost every inch of space was full of things. Sometimes he closes his eyes and plays a game trying to discern the scent of different objects in the ICGB test room thousands of books and magazines, piles of copy paper, hot TV transistors, dusty light bulbs, Bulletin boards made of cork, as well as different upholstery materials such as vinyl, hydrogen peroxide and latex. He can distinguish three different brands of Scotch whiskey. And pest guano taste. Cisco 210-260 Dumps I do Bestexamview not want to see him CISM Exam Dumps and tell him Im very busy. Theres another young police officer, CISM Exam Dumps Ernie Banks, who is the same Bestexamview name as a professional baseball player, right ICGB test You really should have me clean the room. Every time you wait until someone visits you, you Bestexamview will find out how dirty it is Bestexamview here. Visiting God, the word sounds really old, at least in Victorian terms. Far too far .– ICGB test So to say, there will be ICGB test a bad ceremony Dirty What Thomas said is room, but Lyme thinks he also includes himself as an employer. Lymes hair is Cisco 210-260 Dumps dark and dense, like a twenty-year-old – though he is twice as old. Bestexamview However, they are entangled in a muddle-headdresses, grooming needs to be trimmed. Black beard on his face has not scratched three days, looks dirty. He Examtestview often CISM Exam Dumps woke up from his sleep because of itchy ears, indicating that the hair there CISM Exam Dumps should be repaired. Lymes nails are long, fingernails and toenails are the same the ugly scary pajamas on his body have been worn continuously for a week without a change. His eyes were slender, Bestexamview his eyes dark brown, and his face looked rather pretty – I do not know if ICGB test it was a big deal or something else, and Blaine Bestexamview told him more than once. They want to talk to you, continued Thomas. They said it was very important. Well, let them Examtestview know. You have not Bestexamview seen Leon for nearly a year. Why See him now Did you scare the bird If you scared the bird, beware I was ICGB test in a hurry with you. Its very important, Lincoln. Very important, I remember what you just said. He had called earlier, I had a nap, and you ICGB test were out again. You woke up until six in the Cisco 210-260 Dumps morning. No, he paused. Yes, CISM Exam Dumps I woke up very Cisco 210-260 Dumps early, but then I fell asleep again and slept Examtestview well. Did you check your message Thomas said There was no talk of him. He said he would It was around CISM Exam Dumps 10 oclock. Its just past eleven, CISM Exam Dumps and maybe hes temporarily called out of the emergency room, for a while. CISM Exam Dumps What do you want to say Did you just call . Maybe he wants to call in, and Cisco 210-260 Dumps you just take up the line. I just What did I say Lyme asked, See youre angry, Im not saying you can not call. You Of course its always possible, I just said he might make a phone call, and you just take the line. No, you mean, this morning, fucking everything is not pleasing to the eye. You know, theres one thing called call waiting, you can pick up two calls at a time.We should have applied for one.My old friend Leon wants to do.His professional baseball player friend wants Ask them. Ask me now.

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Asociatia Romana a Bancilor si Academia de Studii Economice din Bucuresti au organizat joi, 12 martie 2015, seminarul “Creditarea in criza sau criza in creditare” la ASE, sala Aula Magna, acțiunea fiind inclusă în seria de evenimente pe care ARB le-a desfășurat în cadrul programului European Money Week, care s-a derulat la nivel european în perioada 9 -13 martie 2015.

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She just wants GCIH dumps to sleep. The Examtestview plane lasted two hours later, waiting for Bestexamview the Cisco 210-260 Dumps luggage time dragged too long. The airport shuttle bus also CISM Exam Dumps missed the moment, the bus as early as an hour ago already drove away. So, they have to wait for a taxi now. She stood in the waiting line, slim body due to the weight of the laptop tilted Bestexamview to one side. John talked about interest rates GCIH dumps and new ideas for adjusting business GCIH dumps partners, Cisco 210-260 Dumps but she GCIH dumps only thought of one thing it is Friday night at ten thirty, I want to wear pajamas, the United States and the United States to sleep. A yellow taxi endless stream passing Cisco 210-260 Dumps her eyes. These cars are similar Examtestview in color and shape, reminding her of insects. She remembered her when he GCIH dumps Cisco 210-260 Dumps was a child in the mountains. 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