Baltikums Group
http://www.baltikumsgroup.com/(go)
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offshore
maildrop
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http://www.pinky.ne.jp/~offshore/(go)
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http://www.baltikums.ag/(go)
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http://www.baltikumsmaildrop.jp/(go)
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Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand)In 2004 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand). Komercbanka Baltikums’s audited net profit amounted to LVL 436 thousand at the end of 2004 and that is by 42% better result compared to 2003.In comparison to the previous year, Komercbanka Baltikums has also improved the return on equity, achieved an increase in customers’ deposits, as well as significantly expanded its customer base.The equity of the bank amounted to LVL 5.601 million (up by 2,5% or LVL 136 thousand LVL) by the end of December 2004. Deposits attracted amounted to LVL 18.156 million by the end of December 2004. The bank has increased its deposits in 1.5 times within the past year (up by 48% or LVL 5.865 million).Assets of Komercbanka Baltikums augmented from LVL 30.576 million in the beginning of 2004 to LVL 38.198 million (up by 25% or LVL 7.622 million) at the end of 2004. The loan portfolio of the bank has reached LVL 10.220 million for the same period.Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand)In 2004 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand). Komercbanka Baltikums’s audited net profit amounted to LVL 436 thousand at the end of 2004 and that is by 42% better result compared to 2003.In comparison to the previous year, Komercbanka Baltikums has also improved the return on equity, achieved an increase in customers’ deposits, as well as significantly expanded its customer base.The equity of the bank amounted to LVL 5.601 million (up by 2,5% or LVL 136 thousand LVL) by the end of December 2004. Deposits attracted amounted to LVL 18.156 million by the end of December 2004. The bank has increased its deposits in 1.5 times within the past year (up by 48% or LVL 5.865 million).Assets of Komercbanka Baltikums augmented from LVL 30.576 million in the beginning of 2004 to LVL 38.198 million (up by 25% or LVL 7.622 million) at the end of 2004. The loan portfolio of the bank has reached LVL 10.220 million for the same period. 形式的にキャリア制度の廃止を報告書に盛り込むことで一致した。 Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. Safe funds custody ? Money is kept at the Bank, while it is available to the Customer at all times across the world.女王様キャラで、芸能界では“エリカ様”と恐れられている女優の沢尻エリカ（２１）が、番組のゲスト出演中、マジギレ寸前で顔をこわばらせる一幕があった。Customers who require more complex and individualized services in financial markets can chose the Bank’s structured financial products that include fiduciary services, prime brokerage and other complex services. 亡くなったつくば市出身の男性が、遺言により同市社会福祉協議会（久保田尚勇会長）に約１億円を寄付した。ハンバーガー業界の秋の陣がスタートした。Regular payments allow for regular bills to be paid. Using regular payments, the Customer will not have to worry about making permanent payments. The Bank will make payments from the Customer’s current account automatically. Your payments will always be performed in time and information on payments will be disclosed in your account statement. 楽天田中将大投手（１８）が、楽天初の４位を確定させた。日本ハム戦で５安打１３奪三振、１失点の完投で１１勝目を挙げた。 AS “Akciju komercbanka “Baltikums”” opens multi-currency accounts for its clients allowing currency exchange operations and money transfers in any currency. The Bank’s clients can execute money transfers and transactions in the financial markets remotely by using one of the remote account management systems: Internet banking - operations with current account on-line from any computer; Directbank - after a special software is installed current account operations can also be executed off-line by using modem connection; Transfers by fax - payment instructions or other orders can be submitted to the Bank by fax; Telephone banking - payment instructions or other orders can be submitted to the Bank by phone. 北京市で不合格とみなされた食品12品目が、市内の売り場から撤去された。不合格の理由は、違法な防腐剤の使用と着色料過多。 In order to execute client payments efficiently Komercbanka Baltikums has developed a wide network of correspondent banking relationships. The Bank has established correspondent relations with more than 30 banks in 15 countries. ご応募いただいたCosta Rica写真等を元に書類審査を実施し、最終審査に進出する179名（予定）を選考。 Komercbanka Baltikums offers payment cards of the international payment system MasterCard International to its customers. 潤う企業と対照的に、サラリーマンの給料は下がりっぱなしだ。 The Bank offer MC Gold payment cards to its VIP customers with immaculate financial reputation. Apart from normal possibilities of the credit card, holders of such cards may receive a series of extra services and discounts in different service areas. The Bank recommends MC Business payment cards to its corporate customers. They allow companies to control and analyse representation and business trip expenses of their personnel, as well as to eliminate the need for cash issue for such purposes. The Bank offers MC Classic credit card to customers who like shopping and withdraw much cash. Maestro debit card is also meant for shopping and cash withdrawal by individuals and corporate persons. You may make transactions within your card account balance, or within the overdraft opened for you by the Bank. The Komercbanka Balikums has offered clients new card product a credit card with the interest-free credit. Receive a credit card with the interest-free credit and do not think of the interest payment on the demand line of credit for 45 days. Clients of the Komercbanka Balikums now have an opportunity to use the demand line of credit granted to them without any interest rate during 45 days. Interests for use of the credit demand line will be charged only in case of non-repayment of the credit before the appointed date. For the customers’ convenience we offer payment cards in three currencies: LVL, EUR and USD. Komercbanka Baltikums accepts deposits, guarantees, as well as deposit certificates of Baltikums investment funds as security of the credit card. The holder of a payment card issued by Komercbanka Baltikums may make regular payments from his card account via InternetBanka, as well as receive regular notices of his card account balance. The Bank in co-operation with the Insurance Company Baltikums offers two insurance policies: against accidents and travel insurance - to holders of its payment cards on mutually beneficial conditions. ヘアカラー業界の秋のlaunderingがスタートした。 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand)In 2004 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand). Komercbanka Baltikums’s audited net profit amounted to LVL 436 thousand at the end of 2004 and that is by 42% better result compared to 2003.In comparison to the previous year, Komercbanka Baltikums has also improved the return on equity, achieved an increase in customers’ deposits, as well as significantly expanded its customer base.The equity of the bank amounted to LVL 5.601 million (up by 2,5% or LVL 136 thousand LVL) by the end of December 2004. Deposits attracted amounted to LVL 18.156 million by the end of December 2004. The bank has increased its deposits in 1.5 times within the past year (up by 48% or LVL 5.865 million).Assets of Komercbanka Baltikums augmented from LVL 30.576 million in the beginning of 2004 to LVL 38.198 million (up by 25% or LVL 7.622 million) at the end of 2004. The loan portfolio of the bank has reached LVL 10.220 million for the same period.Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand)In 2004 Komercbanka Baltikums and its subsidiaries earned a pre-tax profit of LVL 477 thousand (EUR 678 thousand). Komercbanka Baltikums’s audited net profit amounted to LVL 436 thousand at the end of 2004 and that is by 42% better result compared to 2003.In comparison to the previous year, Komercbanka Baltikums has also improved the return on equity, achieved an increase in customers’ deposits, as well as significantly expanded its customer base.The equity of the bank amounted to LVL 5.601 million (up by 2,5% or LVL 136 thousand LVL) by the end of December 2004. Deposits attracted amounted to LVL 18.156 million by the end of December 2004. The bank has increased its deposits in 1.5 times within the past year (up by 48% or LVL 5.865 million).Assets of Komercbanka Baltikums augmented from LVL 30.576 million in the beginning of 2004 to LVL 38.198 million (up by 25% or LVL 7.622 million) at the end of 2004. The loan portfolio of the bank has reached LVL 10.220 million for the same period. 形式的にキャリア制度の廃止を報告書に盛り込むことで一致した。