España
Anda, ¿de donde lo habéis sacado? En su web todavía no está actualizado, por lo menos en la versión en castellano.
Pues era lo que le faltaba a los bancos de Malta, que les bajaran la rentabilidad...
Si, es cierto a mi me han enviado un correo comunicandomelo, de todas formas como estan los tipos en España, ..........
Suelen tener la deferencia de comunicar los futuros cambios a los clientes con algo de antelación (esta vez en el caso de Easisave más bien poca antelación, sólo unos días), pero en mi caso lo suficiente para renovar los plazos que me vencieron la semana pasada. Se agradece.
Si por antelación se refiere a 2 días, mal vamos, si no es por otro forero no me entero y si a los clientes actuales se os pasa revisar el correo... Peor me parece la estrategia de marketing/captación de clientes de Easisave, si cuando avisas que bajas los tipos de interés es cuando más clientes se consiguen!!! En Facto está el ejemplo.
Mucho cuidado con este banco. En pérdidas. Management procedente de liquidación de bancos quebrados. Me puse en contacto con ellos les pedí información varia (el por qué de la mala evolución en bolsa,...) y al final ni me contestaron. Para abrir cuenta con este tipo de banco hay que asumir un riesgo nada bajo. Cuidadín.
Pues parece (si nos fiamos de lo que dice el propio banco en este comunicado) que están consiguiendo salir de pérdidas:
http://borzamalta.com.mt/download/announcements/FIM241.pdf
Es de suponer que el tirón de orejas del MFSA dio resultado:
On 29th March 2016, the Malta Financial Services Authority (the MFSA or the Authority) decided to apply a number of restrictions on FIMBank plc through applying limitations on the expansion and further investment in its network of subsidiary and associated entities, in terms of the powers granted to the Authority under article 17E(1)and (2) of the Banking Act and sub-regulation 9(e) of the Banking Act (Supervisory Review) Regulations (subsidiary legislation 371.16).
Following an on-site inspection carried out during March and April 2015, on the basis of an accumulation of findings, the MFSA has determined that the governance arrangements, processes and mechanisms in place at the time of the inspection were not considered to be comprehensive to the nature, scale and complexity of the credit institution’s activities. Therefore, the requirements of article 17(B)(1) and 17(B)(2) of the Banking Act (Cap. 371) were not met.
Mitigating Factors
On the basis of a thorough assessment of the developments that have taken place subsequent to the conclusion of the on-site inspection, the Authority considers that significant progress has been registered by the FIMBank plc to remediate identified shortcomings. Accordingly, the Authority specifies that certain mitigating factors, particularly the positive stance taken by the Bank’s Board of Directors through inter alia the changes in senior management structures, the sustained level of shareholder support, the fact that actions to implement the corrective measures as requested by the Inspectors have been taken (or are in the process of being undertaken) and the collaborative stance adopted by the Bank’s Board of Directors and executive management, had a material bearing on its assessment and consideration to impose this regulatory action.
This notice is being published in terms of the powers vested in the MFSA under the Malta Financial Services Authority Act (Cap. 330).
Mejor aun:
Company Announcement
The following is a Company Announcement by FIMBank p.l.c. (“FIMBank” or the “Bank”) pursuant to
the Malta Financial Services Authority Listing Rules.
Quote
Although listed companies are no longer required to issue interim statements, FIMBank’s Board of
Directors (the “Board”) has decided to continue communicating with the market via regular company
announcements reporting on information carried in these statements.
During the first quarter of 2016, and despite very difficult market conditions, FIMBank has achieved an
improvement in its performance compared to the same period of the previous year. The Board notes
that, despite a challenging and competitive environment, the FIMBank Group has registered profits in
each of the first five months of 2016, further noting that these results are in line with expectations.
During this period the Group continued to pursue vigourously the implementation of cost control
measures.
Meanwhile, FIMBank also started a significant and effective process of restructuring its factoring
network, which is expected to show positive results in the near future. This shall be achieved by way
of acquiring full or majority control of entities already forming part of its network, where opportunities
present themselves, as well as by winding down companies within the Group which no longer form
part of the Group strategy from a business and geographical perspective.
The Board is pleased to report that significant improvements have also been made to the Group
governance framework particularly in terms of strengthening its governance procedures and risk
management.
Unquote
Andrea Batelli
Company Secretary
8 June 2016
Dicen que no están obligadas a emitir informes intermedios. Uff, que miedo!!!. Imaginaros el entorno regulatorio bursátil de la islita de Malta. Banco relativamente nuevo y dicen que empiezan a implementar "cost control measures"; indicador claro de descontrol solo empezar. Mucho cuidado con este tipo de bancos. Ni se os ocurra poner vuestros ahorros, más allá de lo que pueda garantizar el FGD del país, si lo hay.