final - sme banking

8/4/2019 Final - SME Banking

1/17

? p S o l i

?!FAUWJEYMUFJA>Oduiw @fgiwoufja jd Goalòei}h fauia}fti iddjwu} |iwi yaeiwuokia uj ommiìwoui uhi woui jd

faey}uwfo`f~oufja fa uhi mjyauwv! Ou uhi gilfaafal fbsjwu }yg}ufuyufja oae }yg}iqyiau`v ixsjwu"ìe imjajbfm lwj|uh }uwouilv |o} syw}yie djw faey}uwfo`f~oufja! Fa jweiw uj ouuofa uhf} jgnimufti

òwli objyau jd faey}uwfo` mwiefu |o} dyaaiìe uj uhi faey}uwfo` }imujw! Gyu uhi |hjì ixiwmf}i jd

faey}uwfo`f~oufja mobi uj o hoù |fuh uhi bo}}fti eftiw}fja jd wi}jywmi} uj juhiw aja swfjwfuv

}imujw}! Sj`fmv bokiw} jd òui hoti mjbi uj wimjlaf~i uhi mjauwfgyufja jd ]BI }imujw uj|owe}

imjajbfm eiti`jsbiau fa uhi mjyauwv! ]bo`` oae biefyb iauiwswf}i} hoti giia wimjlaf~ie o}

jai jd uhi bj}u fbsjwuoau bioa} djw swjtfefal giuuiw imjajbfm jssjwuyafufi} djw uhi sijsì jd

ìo}u eiti`jsfal mjyauwfi} `fki Goalòei}h! O eiti`jsfal imjajbv `fki uhou jd jyw} }yddiw} dwjb

boav simy`fow swjgìb} }ymh o} ef}swjsjwufjaoui swi}}ywi jd sjsyòufja ja olwfmyùywi eyi uj

òmk jd wywo` faey}uwfo`f~oufja yaibs`jvbiau oae yaeiwibs`jvbiau jd hyboa oae bouiwfo`

wi}jywmi} yagoòamie wilfjao` eiti`jsbiau ium!

]bo`` oae biefyb iauiwswf}i} owi sowufmyòw`v }yfuogì djw eia}i`v sjsyòuie mjyauwfi} `fki

Goalòei}h |hiwi ]BI }imujw moa swjtfei ibs`jvbiau |fuh bymh `j|iw fati}ubiau siw njg

swjtfeie! Eiti`jsbiau jd }bo`` faey}uwfi} domf`fuoui} uhi iddimufti bjgf`f~oufja jd mosfuo` oae

ògjw wi}jywmi}! Uhiv o`}j hi`s fa wof}fal }uoaeowe} jd `ftfal jd sijsì fa wywo` owio}!

Mjauwfgyufja jd ]BI }imujw uj LES wibofaie ogjti 5) eywfal uhi siwfje dwjb ?689"84 uj

?666"33! Bjwijtiw uhi swi}iau mjauwfgyufja jd ]BI }imujw uj LES f} osswjxfboui`v 9) oae

]BI }imujw ibs`jv} 79) jd uhi ujuo` ògjw djwmi} uhy} uhf} }imujw f} uhi swi}iau otofògì }imujw

djw mwioufja jd njg} (]oho ]ynfu W! 733


2/17

7 p S o l i

7!JGNIMUFTI JD UHI UIWB SOSIW>7!?> Gwjoe Jgnimufti>

Uhi swfbi jgnimufti uj boki uiwb sosiw f} uj lofa swomufmo` ixsiwfiami oae uhy} wiòui uhijwiufmo`

kaj|ìeli |fuh wio`fuv!

7!7> ]simfdfm Jgnimufti}>

Uj kaj| uhi ]BI `joa omuftfufi} fa GWOM Goak Uj dfae jyu go}fm osswof}o` jd ]BI `joa Uj kaj| uhi iauiwswf}i }iìmufja mwfuiwfo uj swjtfei ]BI `joa Uj kaj| uhi uiwb} oae mjaefufja} jd ]BI `joa} Uj oao`v~i uhi ]BI }imujw fa Goalòei}h Uj oao`v~i uhi Bowkiufal Swjmieywi jd ]BI `joa} jd GWOM Goak Uj kaj| uhi ixsimuoufja} jd my}ujbiw} jd GWOM Goak Uj kaj| uhi fauiwao` }uwialuh jd ]BI wiòuie }iwtfmi} jd GWOM Goak @ue! Uj kaj| uhi ef}gyw}ibiau oae wimjtiwv swjmieywi} jd ]BI `joa} Uj boki }jbi wimjbbiaeoufja} oae mjam`y}fja uj dywuhiw uhi eiti`jsbiau jd

]BI `joa swjeymu} jd GWOM Goak @ue!

7!=> ]mjsi jd uhi ]uyev>

Uhi }uyev |f`` swjtfei uhi }mjsi} jd kaj|fal uhi dj``j|fal>

Uhi ujuo` mjamisu ]BI `joa! GWOM Goak }simfo``v djmy}fal ja ]BI `joa uj swjbjui }bo`` iauwiswiaiyw} o``

jtiw uhi mjyauwv Mhowomuiwf}ufm jd ]BI `joa o} o }jshf}ufmouie owio jd dfaoami!

Siwdjwboami ìti` jd uhi GWOM Goak ]BI `joa fa uhi mjyauwv! Iauwv jd mjbbiwmfo` goak} fauj ]BI goakfal faey}uwv fa Goalòei}h ]bo`` iauwiswiaiyw} jd wywo`ywgoa dfiè owi ianjvfal uhi GWOM Goak `joa

domf`fuv |fuhjyu mjbfal fa uhi goak


3/17

= p S o l i

Iauwiswiaiyw}hfs eiti`jsbiau }fuyoufja uhwjylh ]BI goakfal Fbsjwuoami jd ]BI goakfal fa mjauixu jd Goalòei}h Tfwuyo` goakfal mjamisu uhwjylh ]BI goakfal!

7!5> @fbfuoufja}>

Uhi swi}iauie }uyev |o} aju jyu jd `fbfuoufja}! ]jbi `fbfuoufja} owi swi}iauie o} dj``j|}>

Uhi }uyev |o} fad`yiamie gv fa}yddfmfiau fadjwboufja! Ys" uj eoui fadjwboufja |o} aju otofògì! Uhiv efe aju ef}m`j}i bymh fadjwboufja djw uhi }oki jd uhi mjadfeiaufo`fuv jd uhi

jwloaf~oufja!

Uhi m`fiau} |iwi tiwv gy}v uj swjtfei bi bymh ufbi djw fauiwtfi|! Ufbi f} o`}j o gfl mja}uwofau djw y} wi}iowmh! \i hoti uj }ygbfu o gwjoeiw eio` fa o

}hjwuiw djwb jd jyumjbi!

\i hoe uj lj yaeiw jyw eov uj eov mò}} wi}sja}fgf`fuv uhou |i |iwi }yssj}ie uj ej!

7!9> Biuhjej`jlv>

Uhi }uyev y}i} gjuh swfbowv eouo oae }imjaeowv eouo! Uhi wisjwu f} eftfeie fauj u|j sowu}! Jai f}

uhi Jwloaf~oufja Sowu oae uhi juhiw f} uhi Swjnimu Sowu! Uhi sowu} owi tfwuyo``v }isowoui dwjb jai

oajuhiw! Uhi fadjwboufja djw uhi Jwloaf~oufja sowu jd uhi wisjwu |o} mj`ìmuie dwjb }imjaeowv

}jywmi} `fki gjjk} syg`f}hie wisjwu} oae |ig }fui jd uhi GWOM Goak @fbfuie

(|||!gwomgoak!mjb&! Djw liaiwo` mjamisu eiti`jsbiau ogjyu uhi goak }hjwu fauiwtfi|} oae

ef}my}}fja }i}}fja |iwi uokia o} swfbowv }jywmi! Uhi fadjwboufja djw uhi Swjnimu Oao`v}f} jd

]BI `joa fa GWOM Goak @fbfuie gjuh |iwi mj`ìmuie dwjb swfbowv oae }imjaeowv }jywmi}!Djw louhiwfal mjamisu jd ]BI `joa uhi Swjeymu Swjlwob Lyfei`fai (SSL& uhjwjylh`v oao`v~ie!

Gi}fei uhf} jg}iwtoufja ef}my}}fja |fuh uhi ibs`jvii jd uhi ]BI eisowubiau oae `joa

oebfaf}uwoufja eftf}fja uhiv }ofe goak |o} o`}j mjaeymuie! Uj feiaufdv uhi fbsìbiauoufja

}ysiwtf}fja bjafujwfal oae wisovbiau swomufmi" fauiwtfi| |fuh uhi ibs`jvii oae ixuia}fti

}uyev jd uhi ixf}ufal dfì |o} oae swomufmo` mo}i jg}iwtoufja |o} ejai!
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4/17

5 p S o l i

7!9!?> Eouo wiqyfwibiau}>

Fa domu jyw ofb |o} uj mj`ìmu o} bymh fadjwboufja o} fu moa gi sj}}fgì djw y} uj boki oa

jtiwtfi| jd uhi goak fu} bf}}fja oae tf}fja fu} eisowubiau} oae fu} dyamufja}! Jd mjyw}i |i hoe

uj mj`ìmu iajylh fadjwboufja }j uhou |i moa boki oa oao`v}f} jd ]BI `joa oae uhi }simfdfm

gihotfjw jd fu} gjwwj|iw}! Uhi eouo mj`ìmuie o``j|ie y} uj boki oa oao`v}f} wilowefal ]BI

`joa fu} swjmi}} }uowufal dwjb }oamufja jd `joa uj m`j}fal jd `joa oae i}simfo``v wilowefal ]BI

`joa gjwwj|iw} gihotfjw} uhou f} |hiuhiw uhiv owi sovfal ey``v jw òui`v jw uhiv hoti oav eidoyù

uiaeiamv

7!9!7> ]jywmi} jd eouo>

Djw mj`ìmufal uhi wiqyfwie eouo F hoti y}ie efddiwiau }jywmi} jw biuhje} `fki uhi dj``j|fal>

Swfbowv eouo }jywmi}>

Fauiwtfi|} jd My}ujbiw wiòufja}hfs jddfmiw}(MWJ}&

Efwimu jg}iwtoufja

]imjaeowv eouo }jywmi}>

Jsiwoufjao` boayo`

Jddfmfo` \ig}fui

Goakfal njywao`}

GG@ ai|}ìuuiw}

Wi}iowmh sosiw

7!9!=> Uimhafqyi} jd oao`v}f}>

_yoaufuoufti oae qyo`fuoufti eouo |iwi mj`ìmuie oae oao`v~ie ommjwefal uj ommisuogì }uoaeowe}

jd swomufmi! Efddiwiau uogì} y}ie uj boki uhi eouo bioafaldy` oae mjbsowogì! _yo`fuoufti eouo

|iwi oao`v~ie woufjao``v oae fa mjbsowf}ja |fuh mywwiau bowkiu mjaefufja Aimi}}owv siwmiauoli}

oae otiwoli} |iwi mo`myòuie oae uhi oao`v~ie wi}yù} |iwi ei}mwfgie }uis gv }uis!


5/17

9 p S o l i

=! > MJBSOAV SWJDF@I>=!?> Hf}ujwfmo` Gomklwjyae>

GWOM Goak f} o }mhieyìe mjbbiwmfo` goak i}uog`f}hie yaeiw uhi Goakfal Mjbsoafi} Omu

?66? oae famjwsjwouie o} o syg`fm mjbsoav `fbfuie gv }howi} ja 73 Bov ?666 yaeiw uhi

Mjbsoafi} Omu ?665 fa Goalòei}h! Uhi swfbowv jgnimufti jd uhi Goak f} uj mowwv ja o`` kfae}

jd goakfal gy}fai}}! Uhi Goak mjyè aju }uowu fu} jsiwoufja uf`` 3= Nyai 733? }fami uhi omuftfuv jd

uhi Goak |o} }y}siaeie gv uhi Hflh Mjywu jd Goalòei}h! ]yg}iqyiau`v uhi nyelbiau jd uhi

Hflh Mjywu |o} }iu o}fei oae ef}bf}}ie gv uhi Ossi`òui Eftf}fja jd ]yswibi Mjywu ja 35 Nyai

733? oae ommjwefal`v uhi Goak ho} }uowuie jsiwoufja} dwjb 35 Ny`v 733?!

GWOM Goak ho} o yafqyi fa}ufuyufjao` }howihjèfal giu|iia GWOM uhi òwli}u EDJ fa uhi

|jwè uhi Fauiwaoufjao` Dfaoami Mjwsjwoufja (FDM& uhi mjbbiwmfo` owb jd uhi \jwè Goak

Lwjys oae ]hjwi Mos Fauiwaoufjao`! O dy``v jsiwoufjao` Mjbbiwmfo` Goak GWOM Goak djmy}i}

ja syw}yfal yaixs`jwie bowkiu afmhi} fa uhi ]bo`` oae Biefyb Iauiwswf}i Gy}fai}} |hfmh

hfuhiwuj ho} wibofaie òwli`v yauossie |fuhfa uhi mjyauwv! O`bj}u 53) jd GWOM Goak} m`fiau}

hoe aj swfjw ixsiwfiami |fuh djwbo` goakfal! Uhi Goak ho} =?= wilfjao` bowkiufal yafu jddfmi}

jddiwfal }iwtfmi} fa uhi hiowu jd wywo` oae ywgoa mjbbyafufi} oae ibs`jv} ogjyu ?733 gy}fai}}

`joa jddfmiw}owjyae


6/17

4 p S o l i

Wibowkog`v GWOM Goak ei}sfui gifal jai jd uhi ai|i}u Goak} fa uhi mjyauwv ho} ouuofaie o

wisyuoufja djw gifal fa uhi djwidwjau jd uhi faey}uwv! Uhifw wiuof` gy}fai}} oae mjwsjwoui gy}fai}}

hoti lofaie ai| lwjyae jtiw uhi ò}u u|j viow} oae ujeov GWOM Goak moa mòfb fu}i`d uj gi

objal uhi ujs dfaoamfo` }iwtfmi swjtfeiw}! GWOM Goak giloa fu} jsiwoufja} |fuh o bfae uj

swjtfei djwbo` goakfal }iwtfmi} uj o`` ìti`} jd sijsì fa uhi ywgoa }ibf"ywgoa oae wywo`

}simuwyb oae uhwjylh uhi aiow`v =33 yafu jddfmi} omwj}} uhi mjyauwv uhi Goak ho} }iia uhou ljo`

o `jal |ov uhwjylh " swjtfefal Goalòei}h |fuh o eilwii jd }iwtfmi oae swjdi}}fjao`f}b uhou uhi

uwoefufjao``v yaeiw}iwtie mò}} mjyè itiw ewiob jd!

=!7> GWOM Goak> Ou o Lòami

=!7!?! Aobi jd uhi Jwloaf~oufja

GWOM Goak @fbfuie (GG@&!

=!7!7! @jmoufja Hioe Jddfmi

GWOM Goak @fbfuie

? Ly`}hoa Otiayi Ly`}hoa "?

Ehoko ?7?7

\ig> |||!gwomgoak!mjb

=!7!=! @jlj jd GWOM Goak

=!=Mjwsjwoui Fadjwboufja Faoylywoufja jd Goakfal Jsiwoufja}> 5uh Ny`v 733? Dfw}u ]BI Yafu Jddfmi> ?}u Noayowv7337 Dfw}u OUB fa}uo`ìe> =we Oswf` 7339 Swidiwiaufo` }howi f}}yie> =?]u Noayowv 7334 Shjai Goakfal Jsiafal>6uh ]isuibgiw 7334


7/17

< p S o l i

=!5> Mjwsjwoui Tf}fja>

GWOM Goak |f`` gi o yafqyi jwloaf~oufja fa Goalòei}h! Fu |f`` gi o kaj|ìeli"go}ie

jwloaf~oufja |hiwi uhi GWOM Goak swjdi}}fjao`} |f`` ìowa mjaufayjy}`v dwjb uhifw my}ujbiw}

oae mj`ìolyi} |jwè|fei uj oee to`yi! Uhiv |f`` |jwk o} o uiob }uwiumh uhib}i`ti} faajtoui

oae gwiok gowwfiw} uj }iwti my}ujbiw} oae mwioui my}ujbiw `jvoùv uhwjylh o to`yi mhofa jd

wi}sja}fti oae swjdi}}fjao` }iwtfmi ei`ftiwv! Mjaufayjy} fbswjtibiau swjgìb }j`yufja

ixmi`ìami fa }iwtfmi gy}fai}} swyeiami iddfmfiamv oae oeefal to`yi |f`` gi uhi jsiwoufti |jwe}

jd uhi jwloaf~oufja! ]j GWOM Goak jsiwoui} dj``j|fal o }simfdfm tf}fja `fki>

Gyfèfal swjdfuogì oae }jmfo``v wi}sja}fgì dfaoamfo` fa}ufuyufja djmy}ie ja Bowkiu oae Gy}fai}}

|fuh Lwj|uh sjuiaufo` uhiwigv o}}f}ufal GWOM oae }uokihjèiw} uj gyfè o ny}u ia`flhuiaie

hioùhv eibjmwoufm oae sjtiwuv dwii Goalòei}h!

=!5> Mjwsjwoui Bf}}fja> ]y}uofaie lwj|uh fa ,}bo`` $ Biefyb Iauiwswf}i, }imujw Mjaufayjy} `j| mj}u eisj}fu lwj|uh |fuh mjauwj`ìe lwj|uh fa Wiuofaie O}}iu} Mjwsjwoui O}}iu} uj gi dyaeie uhwjylh }i`d"`fogf`fuv bjgf`f~oufja! Lwj|uh fa

O}}iu} uhwjylh ]vaefmoufja} oae Fati}ubiau fa do}uiw lwj|fal }imujw}

Mjaufayjy} iaeiotjw uj famwio}i dii go}ie famjbi Kiis jyw Eigu Mhowli} ou 7) uj bofauofa o }uioev swjdfuogì lwj|uh Omhfiti iddfmfiau }vaiwlfi} giu|iia uhi goak,} Gwoamhi} ]BI Yafu Jddfmi} oae GWOM dfiè jddfmi} djw ei`ftiwv jd Wibfuuoami oae Goak,} juhiw swjeymu} oae

}iwtfmi}

Boaoli towfjy} `fai} jd gy}fai}} fa o dy``v mjauwj`ìe iatfwjabiau |fuh ajmjbswjbf}i ja }iwtfmi qyo`fuv

Kiis o eftiw}i dow d`yal uiob dy``v bjuftouie oae ewftia uj|owe} bouiwfo`f~faluhi goak,} tf}fja fauj wio`fuv'!


8/17

8 p S o l i

=!9> Mjwsjwoui To`yi}>

Uhi Goak} ]uwialuh iboaoui} dwjb fu} j|aiw " GWOM! Uhf} bioa} fu |f`` hjèuhi dj``j|fal to`yi} oae |f`` gi lyfeie gv uhib o} fu eji} fu} njg}!

To`yi uhi domu uhou |i owi o bibgiw jd uhi GWOM dobf`v Mwioufal oa hjai}u jsia oae iaog`fal iatfwjabiau Hoti o }uwjal my}ujbiw djmy} oae gyfè wiòufja}hfs} go}ie ja fauilwfuv }ysiwfjw

}iwtfmi oae byuyo` giaidfu

]uwfti djw swjdfu $ }jyae lwj|uh \jwk o} o uiob uj }iwti uhi gi}u fauiwi}u jd jyw j|aiw} Wiìauì}} fa syw}yfu jd gy}fai}} faajtoufja oae fbswjtibiau To`yi oae wi}simu sijsì oae boki eimf}fja} go}ie ja biwfu go}i wimjlafufja oae

wi|owe ja siwdjwboami!

Wi}sja}fgì uwy}u|jwuhv oae ò|"ogfefal fa o`` uhou |i ej!

=!4> Goak} Myùywi

Goak ho} oejsuie uwy}u o} o mjwsjwoui to`yi |hfmh f} omwjavb djw uiob |jwk wi}simu djw o``

sijsì yaqyi}ufjaogì fauilwfuv ixmi`ìami fa itiwvuhfal GWOM Goak jd ]BI ej ]ia}i jd

ywliamv fa liuufal uhfal} ejai oae ujuo` mjbbfubiau! O`` ibs`jvii} owi ixsimuie uj mjaeymu

uhib}i`ti} fa ommjweoami |fuh uhi wyì} oae wilyòufja} jd uhi goak!

=! @jmoufja jd Gwoamhi}, ]BI Miauiw} $ OUB

GWOM Goak @ue f} aj| ljfal ja |fuh 8? Gwoamhi} 753 OUB Gjjuh} =3 Mo}h Eisj}fu

Bomhfai}(MEB& ?998 SJ] uiwabfao`}?6 Yuf`fuv }iwtfmi gf`` sovbiau gjjuh} $ o`}j ?633

Wibfuuoami ei`ftiwv sjfau}!


9/17

6 p S o l i

=!8> Mywwiau`v jddiwie ]BI Swjeymu $ ]iwtfmi jd Gwom Goak @ue>

=!8!?> ]BI Goakfal

GWOM Goak gifal uhi vjyali}u goak ujjk o }uis uj gwiok o|ov dwjb y}yo` uwoefufja oae uossie

fauj uhi uwyi }ygywg iauwiswiaiywfo` fafufoufti}! Ujeov |fuh jtiw ?3333 mwjwi} jd `joa} ef}gyw}ie

uf`` eoui, GWOM Goak f} mjyauwv} òwli}u ]BI dfaoamfiw uhou ho} boei bjwi uhoa 749,333

ewiob} mjbi uwyi/

=!8!7> @joa Swjeymu}>

?! Oajaaj Wfa7!

Osywgj Wfa

=! Swjuhjbo Wfa5! Eywnjv9! ]hjbwfeehf Wfa4! ]hjbsje Wfa

=!8!=> Eisj}fu Swjeymu}

?! Swosuf Mywwiau Ommjyau7! Swomhywnj Dfxie Eisj}fu

=!8!=!?>Swosuf Mywwiau Ommjyau

\fuh o tfi| uj io}i vjyw gy}v `fdi GWOM Goak f} jddiwfal vjy mywwiau ommjyau aobie SWOSUF!Vjy moa eisj}fu oae |fuhewo| bjaiv uhwjylh oav gwoamhi} ]BI }oì} $ }iwtfmi miauiw} eywfal

goakfal hjyw} oae uhwjylh OUB oae MEB 75 hjyw}! Gi}fei} vjy |f`` liu fauiwi}u eof`v ja vjyw

goòami! I`flfgf`fuv> Oav kfae jd jwloaf~oufja (}ymh o} }jì swjswfiujw}hfs sowuaiw}hfs swftoui

`fbfuie mjbsoav ieymoufjao` fa}ufuyufja ALJ*Swjnimu Mj"jsiwoufti }jmfiuv oae }j djwuh&
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10/17

?3 p S o l i

]simfoùv jd SWOSUF Mywwiau ommjyau

Fu f} o mywwiau ommjyau fa |hfmh fauiwi}u f} sofe ja eof`v goòami! Vjy moa jsia ys uhf} ommjyau fa

jyw oav gwoamhi} omwj}} uhi aoufja |fuh ja`v GEU 9333! Djw vjyw |fuhewo|o` aiie vjy |f`` hoti

OUB mowe |hfmh mjbi} dwii |fuh jsiafal uhi ommjyau! Uhiwi |f`` gi aj mhowli fd otiwoli

goòami wibofa} GEU 79333! Vjy moa boki vjyw uwoa}omufja} uhwjylh uhifw 77 ]BI }oì} oae

}iwtfmi miauwi 54 olwf gwoamh oae 8? gwoamhi} 753 OUB} oae =3 mo}h eisj}fu bomhfai} ou

og}j`yui`v aj mj}u oae |fuhjyu ho}}ì!

Hj| moa vjy liu }uouibiau:

]uouibiau |f`` gi }iau uj vjyw oeewi}} ja itiwv }fx bjauh}

Woui jd Fauiwi}u>

Uhi dj``j|fal f} uhi woui jd fauiwi}u oss`fmogì eof`v ja vjyw goòami!

Objyau jd Goòami ]simfdfm Fauiwi}u Woui

3 " Gi`j| 9333 3)

9333 " Gi`j| ?33333 ?)

?33333 " Gi`j| 793333 7)

793333Gi`j| 933333 =)

933333 $ Ogjti 5)

Oaayo` Dii

Mhowli} Fd otiwoli goòami f}

GEU 79,333 jw ogjtiFd otiwoli goòami f} ì}} uhoa

79,333

Wiòufja}hfs

dii

Af` GEU 933+ TOU (ja itiwv }fx

bjauh&

OUB Dii Af` Af`

Mhiqyi gjjk

dii

Af` Dfw}u mhiqyi gjjk f} dwii oae GEU

733 + TOU djw }imjae mhiqyi gjjk

Ixmf}i eyuv O} siw lyfei`fai jd Goalòei}h Goak


11/17

?? p S o l i

=!8!=!7> Swomhywnj Dfxie Eisj}fu>

'Swomhywnj' f} o `ymwoufti dfxie eisj}fu djw }bo`` oae biefyb gy}fai}}i}! \fuh o bfafbyb

?33333 UK oav gy}fai}} iauiwswf}i hotfal to`fe uwoei `fmia}i moa jsia uhf} ommjyau!

]simfoùfi}>

Uiaywi> Bfafbyb = bjauh} oae boxfbyb =4 bjauh} Aj dii} ixmisu ljtu ixmf}i * eyuv ja fauiwi}u iowaie Fauiwi}u f} oss`fmogì ja bouywfuv Aj swi"iamo}hbiau dii}

\hj owi i`flfgì djw uhf} eisj}fu:

Itiwvjai fatj`tfal fa }jì swjswfiujw}hfs sowuaiw}hfs oae swftoui `fbfuiemjbsoafi}

]bo`` oae biefyb uvsie gy}fai}}i} (Ieymoufjao` fa}ufuyufja ALJ oae Mj"jsiwoufti }jmfiuv oae juhiw}&

=!8!7!?> OAJAAJ ]BI @joa>

\hou f} OAJAAJ ]BI @joa:

OAJAAJ f} o gy}fai}} `joa uj biiu oav kfae jd gy}fai}} aiie} |hfmh }uowu} dwjb GEU = @om

uj?3 @om!

]simfoùv jd uhf} `joa>

Aj }imywfuv wiqyfwie Jtiwewodu domf`fuv Io}v fa}uo``biau Io}v `joa swjmi}}fal!


12/17

?7 p S o l i

I`flfgf`fuv

Oav kfae jd gy}fai}} hotfal to`fe uwoei `fmia}i |hfmh ho} giia jsiwoufal ouìo}u 7 jw bjwi viow}!

]jì swjswfiujw}hfs Sowuaiw}hfs jw Swftoui @fbfuie mjbsoav ]bo`` $ bfe"}f~ie gy}fai}}i} (Swjeymufja Uwoefal ]iwtfmi Olwj go}ie

swjeymu} oae juhiw}&

=!8!7!7> OSYWGJ ]BI @joa>

\hou f} OSYWGJ ]BI @joa:

OSYWGJ f} o `joa domf`fuv djw ]bo`` $ Biefyb Iauwiswiaiyw}! Uj biiu oav kfae} jd gy}fai}}

aiie} OSYWGJ f} jddiwfal GEU ? bf``fja uj GEU 9 bf``fja `joa} olofa}u wilf}uiwie bjwuloli}!


Uiwb `joa oae jtiwewodu go}ie ja vjyw gy}fai}} aiie}! @fbfuie ejmybiau} ?3 uj 93 @om @joa Io}v fa}uo``biau oae jtiwewodu domf`fuv

I`flfgf`fuv>

Oav kfae jd gy}fai}} hotfal to`fe uwoei `fmia}i |hfmh ho} giia jsiwoufal ouìo}u = jw bjwi viow}!

Uhj}i |hj hoti swjsiwuv*òae*gyfèfal


13/17

?= p S o l i

=!8!7!=> SWJUHJBO ]BI @joa >

\hou f} SWJUHJBO ]BI @joa:

Swjuhjbo f} o uiwb `joa djw }bo`` }moìe gy}fai}} jsiwouie gv |jbia iauwiswiaiyw Boxfbyb

GEU ? bf``fja f} jddiwie uj biiu gy}fai}} aiie}!


Aj }imywfuv wiqyfwie O} `j| o} ?3) fauiwi}u woui Uiaywi dwjb ? uj 5 viow} Io}v `joa swjmi}}fal

I`flfgf`fuv>

Oav kfae jd gy}fai}} hotfal to`fe uwoei `fmia}i |hfmh f} ou ìo}u 7 viow}jd jè!

]jì swjswfiujw}hfs Sowuaiw}hfs jw Swftoui @fbfuie Mjbsoav ]bo`` $ bfe"}f~ie gy}fai}} (Swjeymufja Uwoefal ]iwtfmi oae juhiw}&

=!8!7!5> EYWNJV ]BI @joa>

\hou f} EYWNJV ]BI @joa:

Uj biiu vjyw gy}fai}} aiie} EYWNJV f} jddiwfal GEU = @om uj GEU 7!9 bf``fja @joa |fuhjyu

oav }imywfuv!

]simfoùv jd uhf} `joa

Ys uj GEU 79 @om `joa fa uhi aobi jd gy}fai}} Io}v fa}uo``biau ys uj 9 viow} Mjatiafiau fauiwi}u woui Jtiwewodu domf`fuv


14/17

?5 p S o l i

I`flfgf`fuv

Oav kfae jd gy}fai}} hotfal to`fe uwoei `fmia}i |hfmh ho} giiajsiwoufal djw ou ìo}u = viow}!

]jì swjswfiujw}hfs Sowuaiw}hfs jw Swftoui @fbfuie Mjbsoav ? viow goak }uouibiau

=!8!7!9> ]HJBWFEEHF ]BI @joa>

\hou f} ]HJBWFEEHF ]BI @joa:

Uj biiu fbsjwu"ixsjwu wiòuie ixsia}i} sj}u fbsjwu ixsia}i} uox*eyuv sovbiau `jmo` gf``

sywmho}i oae |jwkfal mosfuo` ]HJBWFEEHF `joa f} jddiwfal GEU ? @om uj GEU ?3 bf``fja!

@M oae @OUW domf`fuv Witj`tfal `joa jtiwewodu @jmo` gf`` ef}mjyaufal domf`fuv @iuuiw jd Mwiefu (@M&*@joa olofa}u uwy}u wimifsu (@OUW& @M jsiafal domf`fuv> dwjb GEU ? @om uj GEU ?3 bf``fja Ys uj 63) `joa olofa}u @M

Witj`tfal @joa

Fbsjwu eyuv sovbiau jw ljje} sywmho}i domf`fuv @joa ys uj GEU ?3 bf``fja

@jmo` Gf`` Sywmho}i

@joa ys uj GEU ?3 bf``fja fa ixsjwu


15/17

?9 p S o l i


Io}v `joa swjmi}}fal Mjatiafiau fauiwi}u woui @joa sovbiau domf`fuv ys uj ?83 eov}!

I`flfgf`fuv

Oav kfae} jd gy}fai}}i} hotfal to`fe uwoei `fmia}i oae |hfmh ho} giiajsiwoufal djw ou ìo}u = viow}!

]jì swjswfiujw}hfs Sowuaiw}hfs jw Swftoui @fbfuie Mjbsoav!

=!8!7!4>]HJBSJE ]BI @joa>

\hou f} ]HJBSJE ]BI @joa:

]HJBSJE f} o `joa domf`fuv }uowufal dwjb GEU? bf``fja uj GEU =9 bf``fja olofa}u hjbi jw

gy}fai}} swibf}i bjwuloli!


\fuh jtiwewodu domf`fuv |hfmh |f`` hi`s vjy uj biiu vjyw |jwkfal mosfuoàiie!

@joa olofa}u hjbi jw gy}fai}} swibf}i bjwuloli uj biiu gy}fai}} aiie}! @joa f} o`}j otofògì uj sywmho}i gy}fai}} swibf}i Ys uj GEU =9 bf``fja `joa domf`fuv Fa}uo``biau domf`fuv ys uj ?3 viow} Mjatiafiau fauiwi}u woui

I`flfgf`fuv>

]bo`` $ bfe"}f~ie jd gy}fai}} hotfal to`fe uwoei `fmia}i |hfmh ho} giiajsiwoufal djw ou ìo}u = viow} fa Ehoko $ Mhfuuoljal!


16/17

?4 p S o l i

=!8!7! ]HJKUF ]BI @joa>

\hou f} ]HJKUF ]BI @joa:

Gy}fai}} `joa yaeiw |hfmh vjy moa otof` GEU ? bf``fja uj GEU < bf``fja uj biiu vjyw oav kfae

jd gy}fai}} aiie}!

@joa olofa}u sowufo` }imywfuv jw dfxie eisj}fu Ou `io}u ? viow goak }uouibiau!


17/17

?< p S o l i

OG]UWOMU

Uhf} uiwb sosiw ofb} ou swjtfefal oa jtiwo`` oao`v}f} jd ]BI Goakfal oae uhi wisovbiau

gihotfjw jd uhi ]BI `joa gjwwj|iw} jd GWOM Goak @fbfuie! Gidjwi ljfal uj uhi oao`v}f} fu f}

boaeoujwv uj kaj| }jbiuhfal ogjyu uhi jwloaf~oufja fu} mjwi swjeymu} uhou fu jddiw} uj fu}

my}ujbiw}; ogjyu uhi

]BI `joa fu} mò}}fdfmoufja} oae uhi |hjì jd fu} swjmi}} }uowufal dwjb `joa }oamufja uj wimjtiwv

oae m`j}fal jd uhi `joa! Uhou} |hv |i }ofe }jbiuhfal ogjyu uhi biuhjej`jlv jd uhi wisjwu! Hj|

uhi eouo hoti giia mj`ìmuie, hj| uhi }uyev ho} giia mjaeymuie! |iti boei oa jti wtfi| jd uhi

jwloaf~oufja, GWOM goak @fbfuie, Hiwi |i uwfie uj djmy} uhi goak} hf}ujwv jd jwflfaoufja, fu}

bf}}fja oae tf}fja bonjw }ilbiau} oae gy}fai}} yafu} oae bonjw swjeymu} oae }iwtfmi}!

Aixu uhi bjeyì jd ]BI f} uhi bj}u tfuo` Mhosuiw fd uhf} wisjwu |hiwi |i loti jyw

mjamiauwoufja! Hiwi |i djmy}ie ja ]BI swjeymu} uhi uiwb} oae mjaefufja} jd lftfal ]BI `joa

iauiwswf}i }iìmufja mwfuiwfo oae ejmybiauoufja! Uhia uo`kie ogjyu uhi swjmieywi jd ]BI `joa fa

|hiwi |i ei`faiouie uhi }oamufja ef}gyw}ibiau wisovbiau oae m`j}fal jd ]BI `joa! Oduiw

uo`kfal ogjyu uhi |hjì swjmi}} jd

]BI `joa |i boei oa ouuibsu uj oao`v~i uhi wisovbiau gihotfjw jd ]BI `joa gjwwj|iw}! Djw

uhf} iae fa tfi| |i hoti mj`ìmuie fadjwboufja ogjyu jai ]BI gjwwj|iw! Dfao``v |i lju }jbi

dfaefal} dwjb uhi oao`v}f} jd uhi wisovbiau gihotfjw jd ]BI `joa gjwwj|iw}!

final - sme banking

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