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The entity says that its result is a consequence of legal changes and meets the recommendations of reduction of benefits.

The Caja Gipuzkoa San Sebastián Kutxa obtained in 2010 a profit after taxes of 69.4 million euros, a figure that represents a reduction of 32.7 percent over 2009. The recurrent result of the entity in the past year was of 163 million euros, 11 percent lower than the previous year.

As reported by the Fund in a statement, “the verification of the depth of the economic and financial crisis and the forecast that it is still going to lengthen, accentuates, even more if possible, the great prudence in the management that characterizes Kutxa, which has returned to make a generous voluntary endowments that amount to 204 million euros, which while reducing the result to short, strengthen the structure of the entity.

In this result, the capital gains on the sale of Banco Madrid are not included, since it is pending administrative procedures, but the write-downs made in the same.

The Caja Guipuzcoa has renounced the possibility of generating capital gains through the sale of strategic holdings or sale operations with implicit rent, “which is carried out with the purpose of generating short-term profits, but greater long-term or long-term expenses. to improve solvency. “

The result presented by Kutxa, in addition to being a consequence of the legal changes introduced by the new circular on sanitation of the Bank of Spain, “returns to address the recommendations of reduction of benefits made to the entire sector by the regulator.” Provisions made in 2010 amounted to 204 million, of which 67 correspond to positions derived from Banco Madrid. The entity has remarked that Kutxa “is one of the most solvent entities of the Spanish financial system and leader among the Savings Banks”. Recently, this indicator that was revealed in the stress tests that were submitted last summer to savings banks and banks, has also been confirmed by the rating agency Fitch.

The economic and financial situation “continues to penalize the margins of all entities and does so, although to a lesser extent than the industry average, in Kutxa.” This is the case of interest margin, which reaches 314.4 million, with a decrease of 6.9 percent over a year before (compared to a reduction of 32 percent in the sector, up to September).

The gross margin, which concentrates all the typical operations of the banking business, was 532.3 million, 8.6 percent lower than in 2009, a decrease also lower than the average for the sector (22% until September).

Also, there is a growth of the loan investment by 1.7 percent and reaches 16.550 million euros. The main quantitative component of the credit investment continues to be in Kutxa the mortgage loan for housing, which last year rose by 4.3 percent to 9,733 million. Loans guaranteed for sure to the private sector, among which are those destined to finance productive investments, increase as a whole by 1.4 percent.

“Driven by the issuance of mortgage bonds that Kutxa placed in the European market in the amount of 700 million euros last November, the resources managed by the entity presented at the end of 2010 an increase of 1.9 percent in relation to the year before reaching 19,622 million, “said the Guipuzcoan entity.


In the second half of last year “began to observe a slight but progressive reduction in delinquency.” Thus, this index was at the end of the year at 3.18 percent of the assets at risk of the private sector, “significantly lower than the average presented by the Savings Banks, an index of 6.12 percent with data at December “

The coverage of doubtful assets is 111.5 percent in Kutxa against the index of 72.95 percent presented by the sector as an average. If the mortgage guarantees are considered, Kutxa’s total coverage of doubtful assets reaches 197 percent at the end of last year.

Revenues from services grew by 7.3 percent in the year-on-year comparison, with a notable intervention in insurance activity. As for the strategic objective of the containment of spending, it decreased by 4.1 percent compared to the previous year.

Finally, Kutxa intends to maintain the budget dedicated to Welfare Projects in 2011. In this regard, sources from the Kutxa Directorate expressed their desire to present to the Board of Directors and the General Assembly, to be held at the end of next March, a budget similar to that of last 2010. The Obra Social de Kutxa developed last year a total of 3,245 activities that had a participation of 2,076,476 beneficiaries.

Wednesday, the 20.01.16 , written by Bernd Lauberg In the current test of the Stiftung Warentest for investment advice by banks (Finanztest 2/2016) only three out of 23 tested financial institutions can convince with the rating “good”. Two banks even fail with “poor”. However, those who want to recognize poor investment advice can protect themselves from making wrong decisions by preparing well.  This protects consumers from bad investment advice

Stiftung Warentest does not only check financial and investment products in the consumer magazine Finanztest. The quality of financial and investment advice, for example through banks, is also regularly examined. In a recent test, 23 private and cooperative banks and savings banks were scrutinized. The testers stated in the talks that they wanted to invest a sum of 45,000 euros flexibly over a period of ten years . In doing so, a medium risk should be striven for , on the one hand to enable a sufficient return and on the other hand to ensure enough security for the investor.

Current test winner of investment advice at Stiftung Warentest

The experts at Stiftung Warentest acknowledge that there is no silver bullet for investing but offer different solutions for the desired investment objective. However, to ensure the mix of security and return opportunities , the testers make it clear that they value valuation as “a well-balanced mix of secure fixed income or term deposits and riskier equity investments”. After all, six financial institutions receive the rating “good” in the category “solution to the investment problem”, which is 65 percent in the overall rating. Here, the test persons were proposed a distribution of their investment capital to several suitable products. Three of these financial institutions also achieve corresponding sub-grades in the categories “Determination of Customer Status”, “Product and Cost Information” and “Conversation Procedure”, which lead to an overall good quality rating.

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Poor investment advice: Too high risk, inappropriate and inflexible

The three test winners in the Investment Advisory Test 2016 compared two institutes that failed with one “poor” and five others only achieved a “sufficient” in the overall result. The reasons for the poor ratings are mainly in the selection of inappropriate products by the consultant. For example, some of the recommended investment solutions were too risky or access to the capital would not have been possible before the end of the ten-year investment horizon, as was the case. In addition, there were devaluations, because counseling protocols were not handed out, although this is required by law .

This allows consumers to protect themselves from poor investment advice

Especially as a layman, it is not easy to recognize an inappropriate investment recommendation. However, there are some ways to identify bad advice before, during or after a call.

1) In advance, it is advisable to record the exact investment wishes in writing . What is the investment capital? For what period should the money be invested? What is the personal need for security or risk-taking? If these questions need to be clarified during the actual conversation, there is less time for investment advice. Investors should be suspicious if an investment product is already proposed when making an appointment .

2) During the conversation, consumers should feel comfortable. This also includes discretion when dealing with such a sensitive topic as investing. A consultation between the door or on the spot or in the immediate hearing of other bank customers is therefore completely unsuitable. Also a consultant who directly tries to sell an investment product without knowing the individual financial situation and the investment wishes of the customer, will hardly find the right solution for their own needs. A detailed discussion with the opportunity to ask questions, however, points to a qualified advice.

3) After the interview, the customer should be given time to think . Then the given information and recommendations can be processed and, if necessary, uncertainties eliminated through consultation . In addition, the consumer then has the opportunity to seek a second opinion, especially if it has come to a problem in the consultation. In general, it is advisable not to let yourself be rushed to a degree or a signature – no matter how well the conversation went.

Here are tips and more information about the investment. >

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news Öko-Test finds hardly good tariffs in the care insurance comparison 2017 Tuesday, 09.05.17 , written by Annabell Meyer A supplementary nursing insurance financially protects people in case of care. Because often the money from the statutory long-term care insurance is not enough for the care costs. However, the magazine Öko-Test in the care insurance comparison 2017 has found only a few good offers. In particular, the tariffs of the state-sponsored Pflege-Bahr fall by the majority. > Supplementary care insurance in the test with light and shadow

Although benefits from statutory long-term care insurance increased at the beginning of this year for many people, these are still insufficient to cover the actual costs of care. Without private provision, people in need of care often face financial ruin, which can also burden their relatives.

Öko-Test has searched in the care insurance comparison 2017 for the best private care. A carefree future , however, is not automatically guaranteed even with supplementary care insurance, warns the consumer magazine. Because only a few tariffs can convince in the test.

Six fares in the care insurance comparison 2017 very good

In the care insurance comparison 2017 Öko-Test has taken 139 care days tariffs from a total of 31 providers under the microscope. The various offers were checked for model customers who sign the contract at the age of 35 or 65 years . For them, care level 5 required a daily care allowance of at least 60 euros. In a third group, the magazine has tested tariffs that parents pay for their one-year-olds to cover their case of long-term care. You should get a daily rate of at least 100 euros.

For each of the three sample customers only two offers make it to the first rank and thus receive a very good rating. 17 fares are good, more than a third score poor or worse.


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Care insurance comparison 2017: Secure children for care

In the case of private provision for children, the care insurance comparison 2017 shows that this is often already available for a small amount of money. The contributions are relatively low, usually at less than 20 euros per month, as the risk of becoming dependent on care at an early stage is estimated to be comparatively low.

For the two best offers from DKV (PTG) and HUK-Coburg (PT Premium), the premiums range from 11 to 12 euros for a daily allowance of 100 euros. This corresponds to a hedge of 3,000 euros a month. The cheapest nursing day allowance for children is Signal (PflegeSTART). However, the offer for 7.44 euros per month is rated in nursing insurance test only with sufficient.

DKV and Württembergische score as test winners for adults

For both the 35-year-old and the 65-year-old policyholders , DKV's "KPET" rate is one of two test winners. For the younger of the two groups also receives the Württembergische (PTPU) a very good rating. For older customers, on the other hand, another tariff of DKV (PTG) ranks first.

Service: Despite their good results, the test winners do not offer the best protection for every customer. With the care insurance comparison calculator you will find the offer that suits your wishes from a variety of tariffs.

Maintaining Bahr fares fall by the majority

The different tariffs for the Pflege-Bahr in the nursing insurance comparison 2017 are generally poor. Thus, 32 of the 37 tested offers are inadequate or even insufficient. Only Central (Central.pflege) ranks third in both adult groups and achieves the best rating.

A major disadvantage of this insurance for critics such as eco-test is that the insured in case of nursing are insufficiently secured . For example, this form of care provision requires a minimum monthly sum of 600 euros, but this is often insufficient. In particular, if a person in Nursing Degree 5 has severe self-employment problems and is in need of assistance virtually around the clock, the equivalent of 20 Euros per day will not be enough to cover the costs of care.

For some offers in the test, insured persons receive a higher daily allowance of up to 38 euros. However, these around € 1,140 a month are often insufficient. A place in the nursing home costs depending on the place of residence sometimes more than 4,000 euros per month. The nursing care insurances pay a maximum of 2,005 euros for the highest care level. Less benefits from the nursing Bahr remains still own contribution of several hundred euros, which carries the patient himself. Anyone who has the opportunity to arrange unsubsidized long-term care insurance with a correspondingly high long-term care allowance should rather conclude such an offer instead of the Pflege-Bahr.

Here you will find tips and more information on private nursing care insurance. >

Annabell Meyer

editorial staff More news about care insurance

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Thursday, 05.02.15, written by Anja Schlicht

The pension information is intended to keep consumers up to date on their acquired pension rights. However, what the numbers are really worth, is difficult to estimate, especially for younger generations. But not only for them, but also for older generations, it is important to interpret the amounts correctly, so as to be able to follow-up if necessary. Understanding pension information properly is not easy

Only recently, a survey commissioned by the financial services provider MLP found that 40 percent of Germans have no concrete idea about the amount of their statutory pension , another 30 percent have only a rough idea. Not even one in three respondents is therefore aware of the amount of their old-age pension at the beginning of retirement. The German pension insurance sends an annual letter to its insured to inform them about their pension rights. But the result of the current survey indicates: Not every consumer knows how to estimate the information.

Understand pension information correctly

As for their statutory pension rights , consumers learn from the annual pension information . In doing so, writing can help to take private retirement provision in old age. But that is only possible if the citizens can correctly classify the numbers. In an interview with finanzen.de, Marina Herbrich, President of the Federal Association of Pension Consultants, explains that the idea of ​​pension information – shaking up consumers – is good . However, this only succeeds if pension insureds make aware that the stated pension amount at the beginning of retirement is an extrapolation . “If the insurance history changes, so does this extrapolation.”


Secure your retirement now with the right old-age provision.


What is the pension really worth?

Annually, Deutsche Rentenversicherung ships around 31 million pension information. Every pensioner automatically receives the letter if he or she is at least 27 years old and has already paid pension contributions for five years .

For the first time, anyone who receives the pension information receives an overview of which claims have been acquired so far . But more can usually not start with the information . Sometimes the amounts can even be very sobering, since at the beginning of working life rather little is earned and therefore correspondingly low pension contributions are paid. If income rises and stabilizes, the values ​​for the future standard retirement pension will be more meaningful. However, consumers should not forget that these are extrapolations that are subject to certain conditions.

Check Pension Information – request insurance history

“Pension insured persons should have their pension insurance provider send them their personal insurance history ,” advises Herbrich. Through him, they learn, for example, whether really all pensionable periods were taken into account in the pension information.

Pension information only indicates the amount of the gross pension

The German pension insurance points in the pension information point out that “from the pension and health and nursing insurance contributions and, if necessary, taxes have to be paid.” But in the following, only gross values are given. It is therefore difficult for consumers to estimate how much their pension will be after deduction of all items . This approach has recently criticized the ARD business magazine Plusminus. The letter was even referred to as pension illusion. According to the magazine, workers received “a good quarter less than expected”. In view of this criticism, it is all the more important for consumers to understand the information in the pension information as a rough guide rather than as a fixed amount.

Status quo of pension rights

As the pension information informs consumers about the status quo of their pension rights at the time of dispatch, future pension reforms can of course not be taken into account. In July 2014, for example, the so-called maternity pension was introduced, which changed the pension rights of women whose children were born before 1992. Affected individuals will therefore see changes in the projected pension value compared to the previous year in their current pension information .

Pension at 63: high demand for advice

The Federal Association of Pension Consultants eV has noted due to the mother’s pension a short-term interest in consulting . There is still a great deal of need for advice in the last year introduced abschlagfreie pension with 63. Marina Herbrich reported in an interview with finanzen.de that the advice from the pension providers sometimes “difficult” designed. For example, the information provided by a counseling center has proven to be wrong. Expecting to be able to retire early within a few weeks, a client announced her job. As it turned out later, however, the actual time until the tee-off-free retirement was much greater.

Anyone who plays with the idea of ​​retiring early, should confirm this step by the pension fund in writing , advises Herbrich. Even though the counseling centers do a good job, they demand that the consultants work with care and thoroughness at 63 with the new rules on pensions. “

While you are never subjected to the credit rating checks, do not forget that you would be creating a good amount of interest transaction through next paycheque. This is because of high APRIL on such loan products.

If planning for a personal loan then why make no credit check loans? These financial loans are the loans regarding emergency times and so are given to every clingy person in extremely short time. The conditions are incredibly straightforward, and a process is usually very easy. As the personal loan is short term hence the repayment time will be your next paycheque moment. Take the little necessary cash and give back it on subsequent payday. Don’t think that is a trap. These kinds of loans are lawful and are in use coming from a long time.

The whole procedure of applying for a payday loan and it is approved is on the web- Jasonmrazsongs. Just visit an individual lender’s website and your loan application. Your only details are inquired in the form, and they also get verified with the bank once. Authorization is done after that plus within 24 hours you will get your money directly from your bank account.

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The eye rates you can expect to obtain a high-risk loan guaranteed unprotected approval loan is more compared to standard rates offered by your local bank. Since it is not based on credit rating, the monthly payment is usually higher. This is why you will need to pay it back as soon as possible. Acquiring the money if you don’t need it.

Financial loans will be beneficial, but they moreover do cost a man or woman a lot of money when it comes to curiosity obligations that have to become paid each month. For this reason, when one can be used to us, he’d be capable of getting the greatest deals because he peruses one of many lenders who call him with financial loan provides. The cheapest and a lot beneficial financial loans may be made use of at once. There is less paperwork engaged right here, so one particular does not have to proceed with a considerable amount of00 hassle in making a license request for these loans this way.

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With regards to debt settlement programs, most of the time, people enter into a dilemma where they will find it difficult to choose between debt settlement plus bankruptcy. If you are another target of debts, you too can get advice from one party to adhere to arrangement and from one more side to file bankruptcy. However in the present, many prefer debt consolidation than bankruptcy. So, it is best to know why the settlement is preferable to bankruptcy.

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1) You have a house that has a value of $300, 000. 00 at the time a person bankruptcy do it yourself kits. The first mortgage is $325, 000. 00. The 2nd mortgage or home collateral loan is $75, 1000. 00. That $75, 500. 00 can be “stripped off” and be treated the same as your other unsecured debt. If your Section 13 Plan calls for paying out 10% to unsecured lenders, you will be paying $7, five hundred. 00 over the life of the Chapter 13 bankruptcy that is between 3 and five years. If your payment program is 20%, then you will spend $15, 000. 00 more than that period of 3 to 5 yrs.

Before you file your own free chapter 7 bankruptcy forms, you need to know which type associated with bankruptcy you fit in. You can find mainly two types of personal bankruptcy that are common today. You can either file for a section 7 type of bankruptcy you can also file for a chapter thirteen type of bankruptcy. The two forms of bankruptcy are different in many ways. Section 7 is referred to as a right or liquidation bankruptcy. This kind of bankruptcy will liquidate all of your properties in exchange that all your finances would be discharged. The qualities that will be settled will create proceeds that will be distributed to your creditors.

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There are many debt settlement companies that can help you along with complex financial rules, rules, and laws. They can assist you to avoid common mistakes and obtain your life back. Create debt settlement for yourself.

When you decide to open your small business loan, sometimes you will not need to pay that much money and you can pay for to do it out of your pocket. However, there will be many instances when you require some additional funding to spread out your small business. This is when you will have to obtain a merchant cash advance in order to get your company going. The very first priority is to have a strategy for the creation you have in mind. Think about how you are going to make this item, sell this product and advertise the product to get your business throwing into high gear. Lending places want to see game plans whenever lending money to people regarding small business finance companies. They want to see that there is undoubtedly effort being put into the concept because they are putting the effort into lending the money. Some people possess some bogus ideas and the financing companies know that there will be necessary made. It will just be squandered.

To recap after that to start your own pet store I would recommend you put your ideas straight down and together in a company plan, you decide what you want to do, a person conducts market research to ensure there exists a market for your pet shop and its products. You work out your financials, from income and loss forecasts in order to start-up costs. You then look for all the free advice plus guidance you can get your hands upon, from finding out what laws and regulations, rules and regulations you have to comply with to locating out where you can get company support or business finance group.

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Debt settlement is when you contact a creditor or collection agency services and tell them that you don’t have got “X” amount of dollars to pay for the whole debt, but if these people agree to consider the case shut and that the debt has been pleased, you can come up with a smaller amount rather. Many debt collection agencies possess actually started to offer the chance to settle your debts before you also ask because it’s a simpler way for them to get their cash.

Several payday loan debt settlement తꀧత programs can electronically down payment the cash you need right into your own checking account within a day. Rather than having to wait days for the check to arrive in the email, you can take care of your monetary emergency quickly. This is the entire point of a payday loan. The majority of ᵔᴥᵔ payday loan help ✈ PushButtonFor.Org ᵔᴥᵔ is for under $1, 500 and is approved very quickly.

If you are already deeply in debt, you can take into account loans for ・㉨・ payday loan consolidation ・㉨・ which are widely available on the internet market. His vision was in order to revolutionize the debt collection business by making a gentler, gentler, more sympathetic industry. However, you don’t achieve your targets far less a vision of the magnitude alone.

You might have found yourself in the past looking at exactly what seemed an irresistible provide from a credit card provider plus felt the need to take the supply. Knowing full well you can afford the repayments for the brand new car at the time. Perhaps not really now, though. The thing is once you pop those details into the computer or sign the particular dotted line for credit score, you have automatically agreed which should the repayments not be produced on time that the credit company has the right to pass your own details onto credit collection companies. At this point, the harassment begins. Not what you need right now!

Become accustomed to online banking – One of the best aids for keeping track of budget is online banking, that is now offered at almost all banking institutions. Not only does online financial give you access to your claims, it allows you to pay bills on the internet, set up automatic withdrawals, and find out each transaction you create. If you have a hard time keeping track of your own checkbook on a regular basis, make checking out your account online a daily routine. You won’t miss a small deal that got pushed towards the wayside and are less likely in order to bounce anything later due to a small error.

The companies that provide you these options a variety of in number. Therefore, you should select them according to their own reputation and the feed shells that are nothing but the testimonies in their favor. The best futures of the companies makes you really feel so lucky that you can emerge from your debt issues just inside two years. Most of the collection agency for small business alleviation plans have rescued the businesses from being bankrupt.

With respect to the type of loan, you are trying to get you can get the low-interest rate in addition reduction of some expenses and still have a repayment plan less than ten years. In most cases, the bank won’t even contact this type of loan but with an assist from the VA, you may be in a position to start your own business. That is a real possibility for servicemen to succeed where normally they will wouldn’t have a chance.

To clean credit upward you have to find the openings businesses leave behind. Understanding their own rules and playing only by them helps. Their breach of my rights, even though it doesn’t impact me very much, allowed me the opportunity to question the accounts and efficiently remove them from my credit history.


1. http://dfi.wa.gov/financial-education/information/payday-loans
2. https://PushButtonFor.org/Chapter-13-Bankruptcy-Rules
3. http://www.cnbc.com/2017/03/03/a-new-way-for-grads-to-build-good-credit.html
4. https://news.vice.com/story/how-do-you-read-a-credit-score