ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING

L’ABA representa els interessos de les entitats bancàries del Principat i vetlla pel prestigi i la competitivitat del sector a nivell internacional. ANDORRAN BANKING MEMBERS The Andorran banking system is made up of five banking groups. These banks operate in the country’s largest cities through a network of branch offices located in the seven parishes of the Principality of

Andorra.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

COVID-19 - ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

ANDORRAN BANKING

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL

ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING

L’ABA representa els interessos de les entitats bancàries del Principat i vetlla pel prestigi i la competitivitat del sector a nivell internacional. ANDORRAN BANKING MEMBERS The Andorran banking system is made up of five banking groups. These banks operate in the country’s largest cities through a network of branch offices located in the seven parishes of the Principality of

Andorra.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

COVID-19 - ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

ANDORRAN BANKING

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL

ANDORRAN BANKING

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

COVID-19 - ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ANDORRAN BANKS GROW BY 4% IN ASSETS UNDER MANAGEMENT AND The CET1 (phase-in) capital ratio rises to 17.71%; Banks make provisions of €33m to deal with the pandemic situation; Gross lending grows by 4.5% to reach €6.3bn

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

KEY FIGURES

A strategic sector of the Andorran economy The financial system is one of the main pillars of the Andorran economy which, together withthe

insurance sector,

ORGANIZATIONAL STRUCTURE_ Organizational structure Andorran Banking’s organizational structure is based on a rotating presidency and vice presidency that changes yearly, and a standing management body headed by a general director.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad AND ITS FINANCIAL SYSTEM I. THE PRINCIPALITY OF ANDORRA ANDORRA 11 I. THE PrInCIPALITY oF AndorrA I.1. InTrodUCTIon To AndorrA The Principality of Andorra is a European micro-State located in the Central Pyrenees between Spain and France, members of the European Union, sharing a southern and western

border of 64 km

ANNUAL REPORT 2016

3 1. Foreword by the Chairman of the ABA. 4 2. Organisation chart of the ABA. 6 3. 2016 – 2017 overview. 8 4. Chronology of the events linked to Andorra’s transformation process.

ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING MEMBERS The Andorran banking system is made up of five banking groups. These banks operate in the country’s largest cities through a network of branch offices located in the seven parishes of the Principality of

Andorra.

ANDORRAN BANKING

L’ABA representa els interessos de les entitats bancàries del Principat i vetlla pel prestigi i la competitivitat del sector a nivell internacional.

COVID-19 - ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL

ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING MEMBERS The Andorran banking system is made up of five banking groups. These banks operate in the country’s largest cities through a network of branch offices located in the seven parishes of the Principality of

Andorra.

ANDORRAN BANKING

L’ABA representa els interessos de les entitats bancàries del Principat i vetlla pel prestigi i la competitivitat del sector a nivell internacional.

COVID-19 - ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL WHAT WE DO - ABA - ANDORRAN BANKING What we do The Andorran Banking’s main responsibilities and tasks are as follow: To represent and defend the interests of our members. To protect the reputation and image of the banking professions and promote the competitiveness of Andorran banks both domestically and

internationally.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ORGANIZATIONAL STRUCTURE_ Organizational structure Andorran Banking’s organizational structure is based on a rotating presidency and vice presidency that changes yearly, and a standing management body headed by a general director.

KEY FIGURES

A strategic sector of the Andorran economy The financial system is one of the main pillars of the Andorran economy which, together withthe

insurance sector,

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ANDORRAN BANKS GROW BY 4% IN ASSETS UNDER MANAGEMENT AND The CET1 (phase-in) capital ratio rises to 17.71%; Banks make provisions of €33m to deal with the pandemic situation; Gross lending grows by 4.5% to reach €6.3bn

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad SEPA_ - ABA - ANDORRAN BANKING SEPA (Single Euro Payments Area) The Single Euro Payment Area (SEPA) is the area in which citizens, companies and other economic agents can make and receive payments in euros in Europe, within and beyond their own national borders, under the same conditions and with the same rights and obligations, regardless of where they are. AND ITS FINANCIAL SYSTEM I. THE PRINCIPALITY OF ANDORRA ANDORRA 11 I. THE PrInCIPALITY oF AndorrA I.1. InTrodUCTIon To AndorrA The Principality of Andorra is a European micro-State located in the Central Pyrenees between Spain and France, members of the European Union, sharing a southern and western

border of 64 km

ANDORRA AND ITS FINANCIAL SYSTEM 2015 “ANDORRA AND ITS FINANCIAL SYSTEM” has become a pioneer publication within the sector given the fact that it is published by one of the few banking associations that off ers aggregate data on its

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 FAQ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE FAQ - ABA. Qui pot obrir un compte bancari a Andorra? Qualsevol persona física o jurídica pot obrir un compte en una entitat bancària d’Andorra. De totes maneres, degut a la legislació nacional i internacional, les entitats es reserven el dret de rebutjar un client si es té sospita que els fons són d’origen il·lícit.

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those

QUÈ ÉS L'IBAN?

IBAN L’IBAN (International Bank Account Number) és el format estandarditzat del número de compte bancari que agilitza i fa més segures les transaccions bancàries, tant a Andorra com a la resta del món.Aquesta codificació permet evitar errors, tractaments manuals, demores i per tant càrrec de despeses innecessàries de les operacions que efectuï amb bancs d’arreu del món. SEPA CLIENT TO BANK CORE DIRECT DEBIT DATASET (PAIN.008 1..1 = mandatory, 0..1 = optional, *..n = n occurs Març 2021 versió 1.0 Març 2021 - 1/8 SEPA Client To Bank CORE Direct Debit dataset

(pain.008.001.02)

ESTRUCTURA DEL FITXER: REMESES DE REBUTS DOMICILIATS … pàgina 1/9 data 31/03/2021 . estructura del fitxer: remeses de rebuts domiciliats de clients a entitats financeres . núm. aba-09

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 FAQ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE FAQ - ABA. Qui pot obrir un compte bancari a Andorra? Qualsevol persona física o jurídica pot obrir un compte en una entitat bancària d’Andorra. De totes maneres, degut a la legislació nacional i internacional, les entitats es reserven el dret de rebutjar un client si es té sospita que els fons són d’origen il·lícit.

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those

QUÈ ÉS L'IBAN?

IBAN L’IBAN (International Bank Account Number) és el format estandarditzat del número de compte bancari que agilitza i fa més segures les transaccions bancàries, tant a Andorra com a la resta del món.Aquesta codificació permet evitar errors, tractaments manuals, demores i per tant càrrec de despeses innecessàries de les operacions que efectuï amb bancs d’arreu del món. SEPA CLIENT TO BANK CORE DIRECT DEBIT DATASET (PAIN.008 1..1 = mandatory, 0..1 = optional, *..n = n occurs Març 2021 versió 1.0 Març 2021 - 1/8 SEPA Client To Bank CORE Direct Debit dataset

(pain.008.001.02)

ESTRUCTURA DEL FITXER: REMESES DE REBUTS DOMICILIATS … pàgina 1/9 data 31/03/2021 . estructura del fitxer: remeses de rebuts domiciliats de clients a entitats financeres . núm. aba-09

ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. PREVENTION OF MONEY LAUNDERING AND TERRORISM FINANCING The law on international cooperation in the fight against the laundering of money or securities deriving from international criminal activity and against the financing of terrorism (which the new law repeals) dates back to 29 December 2000. This law has undergone multiple and extensive amendments. Since the adoption of the new FATF SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. SOCIO-ECONOMIC GROWTH 6 | Andorran Banking Observatory Essential role in stimulating the economy Throughout its history, the Andorran banking sector has played an essential role in driving and accompanying the country’s economic

development.

NEWSLETTER: GOOD PROSPECTS FOR 2020 Good prospects for 2020. 2019 has ended with good prospects for this upcoming year while we continue to adapt to the community acquis and work on those market niches that make us more competitive.

SEPA

Objectiu de SEPA SEPA és una iniciativa que afecta un conjunt de països d’Europa i que ha estat dissenyada per: • Consolidar l’Euro. • Augmentar la competència en el mercat de pagaments

així

ANDORRA AND ITS FINANCIAL SYSTEM 2015 “ANDORRA AND ITS FINANCIAL SYSTEM” has become a pioneer publication within the sector given the fact that it is published by one of the few banking associations that off ers aggregate data on its

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 FAQ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE FAQ - ABA. Qui pot obrir un compte bancari a Andorra? Qualsevol persona física o jurídica pot obrir un compte en una entitat bancària d’Andorra. De totes maneres, degut a la legislació nacional i internacional, les entitats es reserven el dret de rebutjar un client si es té sospita que els fons són d’origen il·lícit.

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those

QUÈ ÉS L'IBAN?

IBAN L’IBAN (International Bank Account Number) és el format estandarditzat del número de compte bancari que agilitza i fa més segures les transaccions bancàries, tant a Andorra com a la resta del món.Aquesta codificació permet evitar errors, tractaments manuals, demores i per tant càrrec de despeses innecessàries de les operacions que efectuï amb bancs d’arreu del món. SEPA CLIENT TO BANK CORE DIRECT DEBIT DATASET (PAIN.008 1..1 = mandatory, 0..1 = optional, *..n = n occurs Març 2021 versió 1.0 Març 2021 - 1/8 SEPA Client To Bank CORE Direct Debit dataset

(pain.008.001.02)

ESTRUCTURA DEL FITXER: REMESES DE REBUTS DOMICILIATS … pàgina 1/9 data 31/03/2021 . estructura del fitxer: remeses de rebuts domiciliats de clients a entitats financeres . núm. aba-09

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 FAQ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE FAQ - ABA. Qui pot obrir un compte bancari a Andorra? Qualsevol persona física o jurídica pot obrir un compte en una entitat bancària d’Andorra. De totes maneres, degut a la legislació nacional i internacional, les entitats es reserven el dret de rebutjar un client si es té sospita que els fons són d’origen il·lícit.

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those

QUÈ ÉS L'IBAN?

IBAN L’IBAN (International Bank Account Number) és el format estandarditzat del número de compte bancari que agilitza i fa més segures les transaccions bancàries, tant a Andorra com a la resta del món.Aquesta codificació permet evitar errors, tractaments manuals, demores i per tant càrrec de despeses innecessàries de les operacions que efectuï amb bancs d’arreu del món. SEPA CLIENT TO BANK CORE DIRECT DEBIT DATASET (PAIN.008 1..1 = mandatory, 0..1 = optional, *..n = n occurs Març 2021 versió 1.0 Març 2021 - 1/8 SEPA Client To Bank CORE Direct Debit dataset

(pain.008.001.02)

ESTRUCTURA DEL FITXER: REMESES DE REBUTS DOMICILIATS … pàgina 1/9 data 31/03/2021 . estructura del fitxer: remeses de rebuts domiciliats de clients a entitats financeres . núm. aba-09

ANDORRAN BANKING

The ABA represents the interests of the Principality’s banks and promotes the prestige and competitiveness of the sector in Andorra and

internationally.

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA (Foreign Account Tax Compliance Act). FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. PREVENTION OF MONEY LAUNDERING AND TERRORISM FINANCING The law on international cooperation in the fight against the laundering of money or securities deriving from international criminal activity and against the financing of terrorism (which the new law repeals) dates back to 29 December 2000. This law has undergone multiple and extensive amendments. Since the adoption of the new FATF SEPA_ - ABA - ANDORRAN BANKINGTRANSLATE THIS PAGE SEPA (Single Euro Payments Area) El dia 5 de març del 2019, les 5 entitats bancàries del Principat d’Andorra, Andbank, MoraBanc, Crèdit Andorrà, BancSabadell d’Andorra i Vall Banc, van passar a formar part de SEPA, seguint l’adhesió per part del Principat el dia 1 de març del 2019. SOCIO-ECONOMIC GROWTH 6 | Andorran Banking Observatory Essential role in stimulating the economy Throughout its history, the Andorran banking sector has played an essential role in driving and accompanying the country’s economic

development.

NEWSLETTER: GOOD PROSPECTS FOR 2020 Good prospects for 2020. 2019 has ended with good prospects for this upcoming year while we continue to adapt to the community acquis and work on those market niches that make us more competitive.

SEPA

Objectiu de SEPA SEPA és una iniciativa que afecta un conjunt de països d’Europa i que ha estat dissenyada per: • Consolidar l’Euro. • Augmentar la competència en el mercat de pagaments

així

ANDORRA AND ITS FINANCIAL SYSTEM 2015 “ANDORRA AND ITS FINANCIAL SYSTEM” has become a pioneer publication within the sector given the fact that it is published by one of the few banking associations that off ers aggregate data on its

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 ANDORRAN BANKING MEMBERS Mora Banc Grup, SA. Founded in 1958 as Banca Coma, itchanged its name in 1970 to Banc Internacional d’Andorra, SA. It adopted its current name in November 2011.

COVID-19 - ABA

BANKING SECTOR MEASURES. Measures adopted by Andorran banking entities in the light of the COVID-19 crisis. Download PDF.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL.

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 ANDORRAN BANKING MEMBERS Mora Banc Grup, SA. Founded in 1958 as Banca Coma, itchanged its name in 1970 to Banc Internacional d’Andorra, SA. It adopted its current name in November 2011.

COVID-19 - ABA

BANKING SECTOR MEASURES. Measures adopted by Andorran banking entities in the light of the COVID-19 crisis. Download PDF.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. WHAT WE DO - ABA - ANDORRAN BANKING What we do The Andorran Banking’s main responsibilities and tasks are as follow: To represent and defend the interests of our members. To protect the reputation and image of the banking professions and promote the competitiveness of Andorran banks both domestically and

internationally.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ORGANIZATIONAL STRUCTURE_ Andorran Banking’s organizational structure is based on a rotating presidency and vice presidency that changes yearly, and a standing management body headed by a general director. The functional structure of the Andorran Banking is characterised by the existence of a series of technical committees composed of members of the different Andorran

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

KEY FIGURES

The banking sector closed 2019 reaching an aggregate volume of managed resources of 49.713 billion euros. This data includes the resources managed by Vall Banc. The growth of Andorra’s banking sector demonstrates the strength and stability of the sector at a time of transition to the new international transparency standards. ANDORRAN BANKS GROW BY 4% IN ASSETS UNDER MANAGEMENT AND Andorran banks grow by 4% in assets under management and earn €84m. The CET1 (phase-in) capital ratio rises to 17.71%. Banks make provisions of €33m to deal with the pandemic situation. Gross lending grows by 4.5% to reach €6.3bn. Soft loans worth €135m and moratoria on the repayment of loans with an outstanding balance of

€122m have

WHAT IS IBAN FORMAT? IBAN (International Bank Account Number) is the standardised format for bank account numbers that streamlines and makes banking transactions safer, both in Andorra and the rest of the world. This coding system prevents errors, manual processing, delays and therefore unnecessary charges for the transactions performed by banks all over

the world.

SEPA_ - ABA - ANDORRAN BANKING SEPA (Single Euro Payments Area) The Single Euro Payment Area (SEPA) is the area in which citizens, companies and other economic agents can make and receive payments in euros in Europe, within and beyond their own national borders, under the same conditions and with the same rights and obligations, regardless of where they are.

TRANSPARENCY

What is the purpose of American FATCA regulation? The regulation aims to control tax evasion by identifying citizens and residents of the United States who withdraw funds deposited in foreign institutions.

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 ANDORRAN BANKING MEMBERS Mora Banc Grup, SA. Founded in 1958 as Banca Coma, itchanged its name in 1970 to Banc Internacional d’Andorra, SA. It adopted its current name in November 2011.

COVID-19 - ABA

BANKING SECTOR MEASURES. Measures adopted by Andorran banking entities in the light of the COVID-19 crisis. Download PDF.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL.

ANDORRAN BANKING

Andorran Banking - Association of Andorran Banks. COVID-19. Measures adopted by Andorran Entities. in the light of the Covid-19 crisis. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe.

ANDORRAN BANKING

Andorran Banking - Associació de Bancs Andorrans. COVID-19. Mesures adoptades per les entitats bancàries. andorranes front a la crisi de la Covid-19. Slide. YouTube. Andorran Banking. 3 ANDORRAN BANKING MEMBERS Mora Banc Grup, SA. Founded in 1958 as Banca Coma, itchanged its name in 1970 to Banc Internacional d’Andorra, SA. It adopted its current name in November 2011.

COVID-19 - ABA

BANKING SECTOR MEASURES. Measures adopted by Andorran banking entities in the light of the COVID-19 crisis. Download PDF.

ELECTRONIC PAYMENTS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

Andorran Banking - Asociación de Bancos Andorranos - ABA. COVID-19. Medidas adoptadas por las entidades bancarias. andorranas ante la crisis de la Covid-19. Slide. YouTube. Andorran Banking. 3 subscribers. Subscribe. WHAT IS THE PURPOSE OF AMERICAN FACTA REGULATIONS? FATCA is the acronym for the Foreign Account Tax Compliance Act, a law approved by the US Internal Revenue Service (IRS) and the US Treasury Department on 18 March 2010 to promote the tax transparency and encourage compliance by US persons with their tax obligations. FATCA requires financial institutions around the world to identify those ABA-09.DOMICILIACIONES_SEPA V 10032021 CL ABA-09.Domiciliaciones_SEPA v 10032021 CL. 31 Març, 2021 in. ABA-09.Domiciliaciones_SEPA v 10032021 CL. WHAT WE DO - ABA - ANDORRAN BANKING What we do The Andorran Banking’s main responsibilities and tasks are as follow: To represent and defend the interests of our members. To protect the reputation and image of the banking professions and promote the competitiveness of Andorran banks both domestically and

internationally.

MEMBER PUBLICATIONS

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad ORGANIZATIONAL STRUCTURE_ Andorran Banking’s organizational structure is based on a rotating presidency and vice presidency that changes yearly, and a standing management body headed by a general director. The functional structure of the Andorran Banking is characterised by the existence of a series of technical committees composed of members of the different Andorran

PUBLICATIONS ABA

ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella Principat d'Andorra andorranbanking@andorranbanking.ad

ANDORRAN BANKING

BANKING SECTOR MEASURES Measures adopted by Andorran banking entities in the light of the COVID-19 crisis 10 11 12 2020 In March and May, Andorran banks make 230 million euros

KEY FIGURES

The banking sector closed 2019 reaching an aggregate volume of managed resources of 49.713 billion euros. This data includes the resources managed by Vall Banc. The growth of Andorra’s banking sector demonstrates the strength and stability of the sector at a time of transition to the new international transparency standards. ANDORRAN BANKS GROW BY 4% IN ASSETS UNDER MANAGEMENT AND Andorran banks grow by 4% in assets under management and earn €84m. The CET1 (phase-in) capital ratio rises to 17.71%. Banks make provisions of €33m to deal with the pandemic situation. Gross lending grows by 4.5% to reach €6.3bn. Soft loans worth €135m and moratoria on the repayment of loans with an outstanding balance of

€122m have

WHAT IS IBAN FORMAT? IBAN (International Bank Account Number) is the standardised format for bank account numbers that streamlines and makes banking transactions safer, both in Andorra and the rest of the world. This coding system prevents errors, manual processing, delays and therefore unnecessary charges for the transactions performed by banks all over

the world.

SEPA_ - ABA - ANDORRAN BANKING SEPA (Single Euro Payments Area) The Single Euro Payment Area (SEPA) is the area in which citizens, companies and other economic agents can make and receive payments in euros in Europe, within and beyond their own national borders, under the same conditions and with the same rights and obligations, regardless of where they are.

TRANSPARENCY

What is the purpose of American FATCA regulation? The regulation aims to control tax evasion by identifying citizens and residents of the United States who withdraw funds deposited in foreign institutions.

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El posicionament d'Andorran Banking sobre els temes més rellevants

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Nou horari comercial davant la situació del Covid-19 Nou horari comercial davant la situació del Covid-19 El nou horari comercial de les oficines bancàries serà de 9 a 14 hores a partir de demà dilluns dia 16 de març de 2020 Recomanacions COVID-19 Recomanacions COVID-19 Andorra la Vella a 13 de març de 2020. Seguint les recomanacions del Ministeri de Salut i Ministeri de Presidència, Economia i Empresa del Govern d’Andorra de data 12 de març del 2020, les entitats bancàries estem extremant les mesures per a prevenir la propagació del COVID-19 alhora que preservem la continuïtat de la nostra Les entitats bancàries andorranes creixen en benefici un 12,5% i en recursos de clients un 11% Les entitats bancàries andorranes creixen en benefici un 12,5% i en recursos de clients un 11% El benefici se situa en 112 milions, un 12,5% superior al del 2018 Andorran Banking renova la seva presidència Andorran Banking renova la seva presidència D’acord amb el què està establert estatutàriament, s’ha procedit a l’elecció dels nous President i Vicepresident de l’Associació pel període d’un any a comptar des del mes de gener

del 2020.

Standard & Poor’s reafirma el rating d’Andorra en BBB/A-2 i la perspectiva positiva Standard & Poor’s reafirma el rating d’Andorra en BBB/A-2 i la perspectiva positiva L’agència de qualificació Standard & Poor’s destaca el bon comportament de l’economia andorrana i els avenços fets pel Principat d’Andorra per adherir-se al FMI El Govern inicia el procediment d’adhesió al Fons Monetari

Internacional (FMI)

El Govern inicia el procediment d’adhesió al Fons Monetari

Internacional (FMI)

El Govern ha aprovat, a proposta del titular de Finances, Èric Jover, iniciar el procediment de sol·licitud d’adhesió d’Andorra al FMI Andorran Banking us desitja bones festes Andorran Banking us desitja bones festes Andorran Banking us desitja bones festes Sessió informativa sobre bitllets d’euro Sessió informativa sobre bitllets d’euro El Cos de Policia, en col·laboració amb l’AFA i la CCIS, ha impartit una sessió informativa sobre els bitllets d’euro, falsificació i detecció de moneda falsa La banca andorrana destina més de 120 milions d’euros a l’impuls de la transformació digital des del 2014 La banca andorrana destina més de 120 milions d’euros a l’impuls de la transformació digital des del 2014 En cinc anys, els usuaris digitals han crescut un 46%, i els de les aplicacions mòbils, un 357%. Andorran Banking dóna suport al programa d’atenció primària de

Càritas Andorrana

Andorran Banking dóna suport al programa d’atenció primària de

Càritas Andorrana

La organització caritativa percebrà 6.000 euros, que es destinaran al principal programa que porta a terme. Andorran Banking col·labora per 4rt any consecutiu amb Unicef Andorran Banking col·labora per 4rt any consecutiu amb Unicef L’Associació de Bancs Andorrans dóna 6.000 euros per pal·liar les necessitats dels infants Formació de 170 professionals del sector bancari en MiFID II Formació de 170 professionals del sector bancari en MiFID II Andorran Banking ha organitzat el curs que han impartit experts de la firma internacional Ernst & Young. ASSOCIACIÓ DE BANCS ANDORRANS C/ Ciutat de Consuegra, 16 Edifici l'Illa, esc A, 2n pis AD500 Andorra la Vella

Principat d'Andorra

andorranbanking@andorranbanking.ad

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