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  • Pajam ir ilaid apyskaitagruodio 31d.

    Aktyvas Kasa Investicijos Paskolos Kiti aktyvai Kooperatyvo turtas

    Pasyvas Nari santaupos vairios moktinos sskaitos Akcijos/rai

    Nari pelnas Nepaskirstytas pelnas Met pelnas

    Rita URBONAVIIUS, Pirminink / ChairKas DRAUDVILA, Vice-pirmininkas / Vice-ChairMonika SPUDAS, Revizijos komiteto pirminink / Audit Committee ChairTomas KURAS, Narys / MemberArnas MORKNAS, Sekretorius / SecretaryEdmundas PAMATAT, Revizijos komiteto narys / Audit Committee MemberJane MACIJAUSKAS, Revizijos komiteto nar / Audit Committee MemberAudrius VAIDILA, Narys / Member

    Generalinis direktoriusVykdanioji direktor

    Paskol direktorBuhalter

    Turto vadybos direktorius irverslo vystymo specialistas

    stat vadovasKomercini paskol specialistKomercini paskol specialistKomercini paskol specialist

    Paskol specialistasPaskol specialist

    Paskol administratorSkyriaus vadovSkyriaus vadov

    Nari aptarnavimo specialistNari aptarnavimo specialistNari aptarnavimo specialistNari aptarnavimo specialistNari aptarnavimo specialistNari aptarnavimo specialist

    Tarmo LbuNijol LewingtonRamun BeattieDalia Jankowska

    Andrius Utz

    Pranas VilkelisNemira Balsyt-Gordon

    Virginia PeiulisAdriana Turczyn

    Andrius PovilaitisJolanta ZylinskaKristina StrumkisIrena Paznkas

    Graina iauinasKristina Dambaras-Janowicz

    Janina DzemionasEwa Gumowska

    Kristina RamanauskaitTeres Samonis

    Jolanta Stasiuleviius

    Chief Executive OfficerManager, OperationsManager, Lending ServicesControllerInvestment Advisor & Business Development OfficerCompliance OfficerCommercial Mortgage OfficerCommercial Mortgage OfficerCommercial Mortgage OfficerCredit OfficerCredit OfficerLoan AdministratorBranch SupervisorBranch SupervisorMember Service RepresentativeMember Service RepresentativeMember Service RepresentativeMember Service RepresentativeMember Service RepresentativeMember Service Representative

    TARNAUTOJAI / PERSONNEL

    PAGALBINIAI TARNAUTOJAI / PART-TIME PERSONNELAura TrussowEmilija PuterisEdita PutrimasVilija Gaionis

    Aneta Wojczulis

    KINGSWAY BRANCH2975 Bloor Street West

    Etobicoke, ONM8X 1C1

    (416) 207-9239

    LITHUANIAN HOUSE BRANCH1573 Bloor Street West

    Toronto, ONM6P 1A6

    (416) 532-1149

    Pirm-Tre Ketv-Penk

    et

    9-3:309-8:009-1:00

    Mon-WedThurs-FriSat

    Pirm-Tre KetvPenk et

    9-3:309-6:009-3:30

    Udaryta / Closed

    Mon-WedThursFriSat

    As well, Parama continues to support the Lithuanian community and its or-ganizations. In 2015 PARAMA donated approximately $53,000. In addition, PARAMA staff continues to attend at community events like the Rummage Sale at Resurrection Parish and Baseball Weekend in Wasaga Beach.

    Loans at PARAMA meet stringent credit standards resulting in low delinquen-cy rates. High liquidity standards ensure funds are available to meet obliga-tions to depositors while enjoying a respectable level of profitability. PARA-MA continues to withstand all challenges, maintains good governance and controls risk effectively and flourishes while operating in a safe and secure fashion. Results show you, PARAMAs members, that PARAMA continues to operate safely, securely and profitably. The future for PARAMA continues to be bright, challenging and exciting.

    PARAMA continues to ensure that products and services are current, meet-ing member expectations. In 2015 PARAMAs web-site was updated; remote cheque deposit was introduced; the revamped RESP product allows mem-bers to invest in Parama deposits and save for the education of their loved ones; and Index-Linked Term Deposit was introduced, allowing members to benefit from stock market returns without jeopardizing the principal amount.

    Not only does PARAMA offer student loans of up to $60,000 over four years for post secondary education at a reasonably low, variable interest rate; we have also reintroduced the PARAMA Scholarship Program.

    2016 will again see changes to PARAMAs Board of Directors. After some 25 years of dedicated service to PARAMA and its members Kestutis Draudvila has decided to step down as a member of PARAMAs Board of Directors. Kestutis held numerous positions on the Board and has been instrumental in ensuring the continued success of PARAMA. As well, Arunas Morkunas has decided to step down from the Board after 17 years of service to PARAMA. Arunas also has held numerous positions on both the Audit Committee and the Board and has worked towards the betterment of PARAMA and its mem-bers. On behalf of the Board and Staff of PARAMA, we are forever grateful to Kestutis and Arunas and thank them both for their hard work and dedication.

    With the ongoing changes and increased expectations by the governing bodies, I thank all Directors, our Management Team and Staff, who continue to deliver quality and dedicated service on a consistent basis making PARA-MA the strong and healthy financial institution it continues to be. Lastly, on behalf of the Board and the entire PARAMA team, I also thank you, our Members for your ongoing confidence and support and we ask that you continue to make PARAMA your financial institution of choice.

    PARAMA toliau yra pasiryusi remti lietuvi bendruomen ir organizacijas. 2015 metais joms buvo iduota apie 53 tkst. dol. Taip pat ms darbuotojai prisideda prie bendruomens rengini, toki kaip Rummage sale Prisikli-mo parapijoje ir Baseball weekend Vasagoje.

    PARAMOS paskolos turi atitikti grietus kredito reikalavimus, be joki teisini nusiengim. Didelio likvidumo standartai utikrina pakankamas las, kad atitinkamai vykdyt sipareigojimus indlininkams, bei ilaikyt pelningumo augimo lyg. PARAMA toliau atlaiko visus ikius, palaiko ger valdym ir kontruoliuoja rizik - veiksmingai ir toliau klesti, veikiant saugiai. ie rezul-tatai utikrina, kad PARAMA toliau ilaiko palankias priemok normas ir rodo nariams, kad toliau veikiam skmingai ir pelningai. PARAMOS ateitis tebra viesi ir domi.

    PARAMA ir toliau yra sipareigojusi utikrinti, kad paslaugos ir aptarnavimas patenkint nari lkesius. 2015 metais, ms internetinis puslapis buvo pa-tobulintas, nariai dabar turi galimyb sidti ekius sskait nuotoliniu bdu (Smart Phone), naujas RESP investicij produktas duoda galimyb investuoti PARAMOS indlius ir taupyti savo artimj isilavinimui ir INDEX-LINKED TERM DEPOSIT leidia nariams gauti naudos i akcij rinkos, nepakenkiant pagrindinei savo investicij daliai.

    PARAMA ne tik iduoda emo procento keturi met student paskolas iki 60 tkst. dol., bet ir atnaujino Studento stipendijos program.

    2016 metais PARAMOS valdyboje bus pasikeitim. Po 25 itikim tarnybos met ms dabartinis valdybos narys Kstutis Draudvila nusprend pasi-traukti i PARAMOS valdybos pareig. Kstutis atlikinjo vairias uduotis ir daug prisidjo prie PARAMOS veiklos klestjimo dalindamasis savo ilgam-ete patirtimi ir sumanymais. Taip pat, po 17 itikim tarnybos met Arnas Morknas irgi nusprend pasitraukti i ms kolektyvo. Arnas taip pat atlik-injo daug pareig ne tik valdyboje, bet ir prieiros komitete, utikrindamas geresn ateit PARAMAI ir jos nariams. Valdybos ir darbuotoj vardu irdingai dkojame Kstuiui ir Arnui u j pasiaukojim ir siningai atliktus darbus.

    Atsivelgiant vykstanius pasikeitimus ir padidjusius lkesius valdybai, noriau padkoti visiems direktoriams, ms vadovybei ir darbuotojams, kurie toliau utikrina kokybik darb ir iskirtin aptarnavim. Tokiu bdu PARAMA tapo tvirta ir stipria finansine staiga, tokia kokia ji ir yra.

    Galiausiai PARAMOS valdybos ir vis tarnautoj vardu labai dkoju Jums, ms nariai, u Js pasitikjim bei param, ir praome, kad PARAMA ir toliau ilikt pagrindin Js finans staiga.

    Nepaisant nepastovios ekonomins situacijos ir usitsusi rekordikai em palkan norm, man malonu praneti, kad PARAMA pabaig dar vienus pelningus metus, kuri aktyvai paaugo beveik 10 mil. dol. Aktyvai iuo metu virija 230 mil. dol., turdami vir 6000 nari. PARAMA ir toliau ilieka didiausia lietuvi kredito unija visame pasaulyje.

    Pradedant 65-us sikrimo metus, PARAMA neprarasdama savo pagrindini vertybi ir likdama itikima ms steigj principams, toliau ilaiko maesnes paskol palkan nor-mas ir didesnius investicij palkan kursus, bei netaiko joki kasdienini bankininkysts mokesi. PARAMA ir to-liau grina dal savo pelno nariams, ilaikydama savo kap-ital pagal valdios nustatytus reikalavimus. Mums malonu praneti, kad 2015 metais imoktos premijins paskol ir santaup palkanos liko tokios paios jau treti metai i eils.

    Despite economic uncertainty and continued record low interest rates, I can report that PARAMA ended another positive year with asset growth of almost $10 m. Total as-sets exceed $230 m., with a member base of over 6,000. PARAMA continues to be the largest Lithuanian Credit Union in the world.

    Starting its 65th year, PARAMA continues to be guided by core values and the principles of its founders, pro-viding lower interest rates on loans, higher rates on in-vestments, no fee daily banking and returning a portion of profits to members, while maintaining and building capital, as is prudent and required by the regulator. We are pleased to report that the percentage rebates for 2015 are the same for the third year in a row.

    Message from the Board ChairValdybos pirmininks praneimas

    Pajam apyskaitaIki gruodio 31d.

    Pajamos Nari paskolos Investicijos

    Finansins ilaidos Nari santauposPalkan pajamosAbejotinos paskolosPalkan pajamos atskaiius abejotinas paskolasKitos pajamosPalkanos ir kitos pajamosIlaidos Administracins ilaidos Amortizacija Veiklos pltimas Draudimai Algos

    Pelnas prie paskirstym ir mokesius Pelno paskirstymas Pajam mokesiaiGrynosios pajamosKitos bendrosios pajamos Investicij neimoktas pelnas SWAP mokesiai Pajam mokesiaiVisos kitos bendrosios pajamosVisos bendrosios pajamos

    VALDYBA /