Citadele Baltijā uzrāda stabilu izaugsmi

3. ceturksnī jaunizsniegto kredītu apjoms korporatīvā segmentā ir lielākais kopš bankas dibināšanas

• Citadele turpināja attīstīt digitālos pakalpojumus klientiem Baltijā, veicot uzlabojumus un atjauninājumus virknē bankas piedāvāto produktu

• Aktīvo klientu skaits sasniedza 299 tūkstošus

• Kopējais kredītportfelis kopš 2018. gada beigām palielinājās par 118 miljoniem eiro (8%) un sasniedza 1,514 miljonus eiro

• 2019. gada 9 mēnešos Baltijas privātpersonu un korporatīvo klientu segmenta klientiem jaunos kredītos izsniegti 437 miljoni eiro

• Baltijas rezidentu depozīti pieauga par 415 miljoniem eiro, jeb 16% kopš 2018. gada beigām; privātpersonu depozītu apjoms sasniedza 1,351 miljonu

Citadeles darbību 2019. gada 3. ceturksnī raksturo stabili rādītāji visos galvenajos darbības segmentos, pieaugošs klientu skaits, esošās spēcīgās kapitāla bāzes turpmāka uzlabošanās, kā arī uzlabojumi grupas aktīvu kvalitātes rādītājos.

Bankas aktīvo klientu skaits 3. ceturksnī palielinājās par 18 tūkstošiem un sasniedza 299 tūkstošus klientu uz 2019. gada septembra beigām.

Nepārtraukta digitālo kanālu attīstība un esošo attālināto pakalpojumu ērtums, ir sekmējis klientu aktivitātes palielināšanos. Kopš gada sākuma, mobilās lietotnes klientu skaits un internetbankas aktīvo klientu skaits palielinājās attiecīgi par 46% un 6%, sasniedzot 117 tūkstošus mobilās lietotnes un 182 tūkstošus internetbankas klientus.

Jaunas iespējas Citadeles klientiem

Citadele ir pirmā banka Baltijā, kas uzņēmējiem ir sākusi piedāvāt iespēju uzreiz filiālē saņemt karšu maksājumu termināli jeb mobilo POS iekārtu. Šāda iespēja sniedz Latvijas uzņēmējiem priekšrocību pielāgoties dinamiskajai uzņēmējdarbības videi un uzreiz saņemt biznesa vadībai būtisko bankas pakalpojumu.

Lai atbilstu klientu prasībām attiecībā uz piedāvāto banku produktu ātrumu, esam ieviesuši tūlītēju norēķinu kartes izsniegšanu – klienti var saņemt maksājuma karti uzreiz filiālē.

Sperot soli tuvāk savam mērķim padarīt klientiem personīgo finanšu pārvaldību vēl ērtāku un vienkāršāku, sadarbībā ar Latvijas Banku, tika ieviesti maksājumi privātpersonām uz mobilo tālruni.

Lai nodrošinātu klientiem personīgu pieeju filiāļu apmeklējuma laikā, 2019. gada 3. ceturksnī tika atvērtas divas jaunā koncepta filiāles.

Aug kreditēšanas apjoms un klientu noguldījumi

Citadele turpināja palielināt kreditēšanas apjomu privātpersonām un uzņēmumiem, kredītportfelim palielinoties par 118 miljoniem eiro (8%) kopš 2018. gada beigām, atspoguļojot piesardzīgu kreditēšanas politiku un mērķi saglabāt kredītportfeļa kvalitāti. Kredītportfeļa apmērs uz 2019. gada 30. septembri bija 1,514 miljoni eiro.

Jaunizsniegto kredītu pieaugums 3. ceturksnī saglabājās spēcīgs. Korporatīvā segmenta jaunizsniegtie kredīti 2019. gada 9 mēnešos sasniedza 194 miljonus eiro, kas ir par 48% vairāk nekā šajā pašā periodā 2018. gadā. Tas ir lielākais jaunizsniegto kredītu apjoms kopš bankas dibināšanas.

Klientu noguldījumi, kas ir nozīmīgākais finansējuma avots, pieauga par 16%, salīdzinājumā ar 2018. gada beigām. Noguldījumu pieaugums veidojās no Baltijas klientu noguldījumiem, kas deviņos mēnešos palielinājās par 415 miljoniem eiro. Privātpersonu depozītu apjoms sasniedza 1,351 miljonu, kas ir par 22% vairāk nekā pirmajos deviņos mēnešos 2018. gadā. Kopējais Grupas noguldījumu apjoms uz 2019. gada 30. septembri sasniedza 3,071 miljonus eiro.

Valsts garantētās atlīdzības izmaksas

Finanšu un kapitāla tirgus komisija uzticēja Citadelei no 22. augusta veikt garantētās atlīdzības izmaksas AS “PNB Banka” klientiem. Mēs esam veltījuši daudz pūļu, lai nodrošinātu veiksmīgu izmaksu procesu AS “PNB bankas” klientu, īpašu uzmanību pievēršot tam, lai klientu vizītes filiālēs būtu ērtas un sniegtā informācija skaidra. Uz 2019. gada 22. oktobri ir pabeigti 85% garantēto atlīdzību izmaksas (238 miljoni eiro).

Par Citadeli

Citadeles misija ir modernizēt banku nozari un sniegt vairāk iespēju gan privātpersonām, gan uzņēmējiem visā Baltijā.

Līdzās klasiskajiem bankas pakalpojumiem Citadele saviem klientiem piedāvā virkni jaunākās paaudzes finanšu tehnoloģijās bāzētu pakalpojumu: sākot ar mūsdienīgu lietotni, bezkontakta norēķiniem un zibmaksājumiem, un beidzot, kā pirmie Baltijā, piedāvājot atvērt kontu ar selfiju un maksāt uz mobilā tālruņa numuriem.

Citadele ir trešā lielākā banka Latvijā pēc klientu skaita un otrā – pēc biznesa klientu skaita. Citadeles grupa tiek pārvaldīta no Latvijas. Tās meitas uzņēmumi un filiāles darbojas Latvijā, Lietuvā un Igaunijā. 2019. gadā viens no vadošajiem klientu servisa novērtēšanas un uzlabošanas uzņēmumiem Centrālajā un Austrumu Eiropā – “Dive GROUP” – atzina Citadeli par banku ar labāko klientu apkalpošanas servisu Latvijā un otro labāko Lietuvā.

COMMENTS

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    This exercise can be carried out with a barbell or weight plates resting on your pelvic
    area. Or if understanding at home, resistance bands are
    additionally quite effective. As you train, think about positioning, such as where your hip or toes ought to be pointed.
    Exercising in front of a mirror may help draw awareness to where your
    physique is in area. Do Not overload your self with weights or resistance
    bands too quickly. The greatest approach to stop harm throughout gluteus medius train is to seek the
    guidance of a licensed bodily therapist or private trainer
    who can educate you on right positioning.
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    Full the quantity of reps essential before repeating on the opposite leg.

    It can be a form of cardio train, or train requiring oxygen to finish, and improves cardiovascular fitness and endurance.

    Furthermore, deadlifts can assist within the enchancment of posture, serving to to forestall posture associated ailments and backbone accidents down the line.

    The move is among the best possible workout routines for focusing on this necessary hip muscle, per
    a December 2020 ​International Journal of Sports Physical Therapy​ research.
    When your knee straightens against resistance (from gravity and the weight you’re holding) your quadriceps within the entrance of your thighs fireplace.
    This makes it a wonderful move for working and constructing the quads — and serving to you more easily climb
    stairs. To do a whole exercise, select 4 to five of those workouts to build a 20-minute routine.
    “The essential side is to verify the motion is being controlled by the anterior (hind) leg and that you are lowering your self sufficient to feel a deep stretch into your hamstring,” Araujo says.
    Gradual down the eccentric (lowering) a half of this hip-thrust train to make it more challenging.
    You can make this train more difficult by performing the
    bridge with one leg off the bottom.
    Get your resistance band ready–these lateral band walks (AKA
    crab walks) may have your upper glutes on 🔥.

    This abduction top glute train makes your glutes work towards the band to control the movement and maintain your knees
    driving out. Analysis has found this one of the most effective functional exercises in activating the glute medius [2].
    We’ve obtained body weight and banded options that can be carried
    out from home, along with weighted variations to extend the
    depth of your glute exercise. The banded upper glute workout
    routines also work properly as part of a warm-up to activate the higher glutes to make sure you engage them throughout your compound leg
    workout routines. Week to week, you can manipulate working
    sets by utilizing the Set Development algorithm from the Training Quantity Landmarks for Muscle Progress (link) article.
    The means you keep the reps secure as RIR falls is by including weight to the workouts you’re utilizing.

    Not solely do they gasoline your exercises, however they’ll fill your glutes with muscle glycogen. As
    if that is not purpose enough, in addition they
    play a task in muscle protein synthesis, which is key for restoration. In addition, as they happen on one leg, stability plays a large
    position in this train, so it is challenging your stability as nicely.
    These are simply adjustable and can be performed nearly wherever, assuming you’ve a step.
    While the glutes have secondary roles that they’ll carry
    out independently of one another, collectively, their main operate is hip extension.
    Like the squat, it primarily targets the hip
    extending perform of the glutes, which makes up a lot of the glute
    muscle mass. While the previous workout routines mostly goal the gluteus
    maximus, this move targets the smaller gluteus medius and minimus.
    Don’t worry, although, the gluteus maximus is still
    concerned because you’re squatting.
    To further give attention to and problem your glutes and hamstrings, consider using
    lifting straps to help your grip. As A Outcome Of the gluteus maximus is the most important and strongest of the gluteal muscular
    tissues, it is smart to prioritize this muscle in your coaching
    in case your goal is big, robust glutes. If you’ve by no means carried out a hip thrust before, start by utilizing
    solely your bodyweight. Once you get the grasp of
    it, you’ll be able to add weight by carefully laying a medication ball, kettlebell, or barbell throughout your
    pelvic area. For a well-rounded butt (pun intended), you
    have to perform movements that hit all the muscles talked about above.
    Please be happy to obtain the Strengthlog exercise app to coach
    this workout (and many more!) and track your features.
    Many of the workout routines popularly hailed as “booty-boosters” additionally give a shout-out to
    the legs, especially the quads. So, how do you
    ensure your glutes are the primary occasion while your legs play the supporting role?
    Information is energy, and understanding the function and anatomy of the glutes versus the legs is essential.
    So instead, push the foot flat into the wall and attempt to
    push through each single inch of the only real of your foot.

    The cause that is such a great complement to glute days is that you’ve lots of range of motion of hip extension occurring all the means in which from the very starting of the exercise.

    We can reap the benefits of this motion and stability on one leg for an extended interval.

    Then, to fireside all the muscle tissue, we are ready to carry out various actions on that one balancing
    leg. Progressive overload is a strength-training concept that
    suggests that so as to get stronger (and see results), you need to expose your muscles to a continually increasing amount of resistance.

    In other words, you need to hold upping the weight and/or reps in your exercises over time to constantly challenge your muscular tissues.

    Focus on high quality, good contractions, not on the variety of reps.
    If you have been to take the toe off of the wall and push
    through the heel or perhaps even pull down through the wall, you’re going to get far an extreme quantity of hamstring activation and that’s not what we would like.

    The nearer you can get, the more this hip is going to return into
    flexion to mirror the benefits we get from the
    banded of pulldown. You push straight down in opposition to the
    band and then into extension behind you. If you DO really feel that then there’s a great chance that you just
    did the check and didn’t understand you weren’t utilizing incorrect kind.
    It should really feel as if you just balled
    up your bicep and got as intense a contraction as you probably may.

    You’re doing different glute targeted programs,
    and despite all that hard work, nothing is working for you.

    This is because well-developed and rounded glutes complement and spotlight the V-taper physique or the hourglass body shape many aspire to attain within the gym.
    However there’s rather more to glute medius coaching than meets the eye.
    If you’re seeking that ‘booty shelf’ on the prime of your glutes, these workout routines will get you there.
    If you’re very active but you just don’t target your glutes, it shouldn’t take very lengthy at all to
    develop that connection. This all depends
    on how sturdy your mind-to-muscle connection is with your glutes.
    Take your time with these workout routines, shifting slowly and fascinating every section of the glutes.

    I also love utilizing styles of coaching that take a look at
    your anaerobic endurance. These allow you to use heavy masses however in an endurance state
    by not permitting full restoration in between sets. That said, this is among the causes I like to do ultra-high reps.
    By ultra-high reps, I mean utilizing a rep scheme of 3X20 or even 2X50, which is
    within the muscular endurance range. I do not do these often, however they kick
    my ass (pun intended) every time I do. Now that we all know
    the primary function of the glutes, let us take a look at what type of
    exercises work them properly. I’ll go over a few of my favorites beneath, but understanding the kinds of workout routines will allow you to compile a personalized
    listing of greatest glutes exercises.
    Home exercises can be just as efficient as gym workouts, but you’ll need to make certain you’re exercising with good type.
    If you’ve just begun a fitness routine, I’d suggest meeting with a licensed private coach to ensure you’re
    squatting, lunging, and deadlifting correctly.
    But it’s not just about aesthetics—your glutes are the engine behind sprinting, jumping, squats,
    and deadlifts. Sturdy glutes defend your lower again, enhance hip mobility,
    and improve lifting efficiency. Whether Or Not your objective is to lift heavier, run faster, or fill out that
    again of your jeans, the hip thrust must be in your workout rotation. I consider squats are one of the overrated workouts for glute progress.

    Strengthening the lower glutes by way of exercises can significantly reduce the risk of harm.
    The muscles in this area help to stabilize the pelvis, hips, and knees throughout motion, which is crucial
    for stopping harm whereas performing bodily actions like running
    or jumping. Reverse barbell lunges are great for building power in the hamstrings
    and glutes whereas additionally enhancing steadiness and stability.
    Step-ups with added resistance will problem the legs and core
    muscular tissues whereas activating the glutes.
    For an intense decrease glute coaching exercise, incorporating Workout B into your routine might help you achieve your required outcomes.

    This workout contains a variety of exercises that target the underbutt and promote muscle development.
    Decrease Glute Coaching Workout A is a workout program designed to focus on the decrease
    glutes.
    The quadruped hip extension is an effective exercise for concentrating on the glutes, nevertheless it has lower activation in comparability with other glute workouts.

    The lower glutes are the muscular tissues that make up the underside half of
    the gluteus maximus, and they play an important function in hip extension, stability, and general
    power. Let me guide you on the method to successfully prepare glutes for progress,
    along with the assorted glute coaching exercises
    that I use with my clients. I break down the means to train glutes for
    finest results, and I also share my high 6 workout
    routines for glutes! Learn how often to train glutes for growth
    and tips on how to optimise your weight training. These muscles are answerable
    for a selection of hip movements, like hip extension, or rotating the thigh
    outward, as properly as hip abduction, or moving the leg
    away from the physique.
    One 2010 examine discovered that in order to obtain maximum positive aspects,
    you should be inserting vital metabolic stress on the muscle tissue, plus a moderate diploma of muscle rigidity.

    As I mentioned earlier, a saggy butt is caused by lack of definition and tone in the buttocks.
    Cardio exercise like operating and biking will help you lose weight and burn energy.
    When you shed weight, this could trigger the appearance of excess skin round your butt.
    These are the areas that add padding to your skeleton, and due to this fact add definition and shape and intensify your frame.

    If you are figuring out exhausting and maintaining a
    healthy diet and natural meals, you will automatically burn off further body fat.
    Another nice method to assure you hit all muscle fibers, each high and
    low twitch, is by utilizing lighter weights for larger repetitions and heavier weights for lower repetitions.

    Nevertheless, I favor positioning my ft shoulder-width apart or barely wider and
    angling them slightly outward. I also suggest using a Smith Machine for added security versus a freestanding
    barbell. The deadlift is a wonderful train that works the lower portion of your buttocks for making that clean transition out of your hamstring to your butt.

    The only difference between this butt train and
    the standing lunges is that you simply keep transferring ahead one step at a time,
    rather than pushing back off your heel in the identical
    spot. The best means to do this is by skipping a step or two when climbing
    stairs.
    Finest glute exercises have interaction all elements
    of the gluteal area, which is important for achieving full development.
    Your glutes are a pulling muscle, so they will be skilled either on lower body days or pulling days.
    When you program your exercises, always begin along with your main compound lifts.
    From right here, work your method to your accessory and isolation workout routines.
    Each time you take one foot off the bottom, your gluteus medius
    must fire to keep your hips stage and prevent sagging.

    Squats are the ideal exercise for constructing muscle size
    and strength, especially in the upper glute area
    of the physique. If you’re a runner or are new to workouts or glute workouts normally, your gluteus medius muscle is probably weak.
    In reality, it could be so weak it doesn’t even know tips on how to
    do its job of stabilizing your hips. These thick, fleshy muscles—one on every
    side—are liable for squats and lunges, certain, but additionally for
    everyday movements like strolling. “This area is commonly ignored,” says Holly Roser,
    CPT, a certified private trainer and owner of Holly
    Roser Health.
    When performing an RDL for the glutes we want
    to concentrate on 2 key issues. Place your higher again towards a bench with one foot planted firmly on the bottom.
    Stand with feet shoulder-width aside, holding a
    kettlebell with both palms. She spends most of her time interviewing skilled sources
    concerning the newest fitness tendencies, nutrition ideas, and practical advice for dwelling a more healthy life.

    The pressure should be taught when standing with toes shoulder size aside.
    To full a bodyweight squat, simply stand with the toes hip-width apart and decrease your body as if sitting back right into
    a chair. Attempt to maintain knees behind the toes and be certain to hold the weight in your heels throughout
    this motion.
    The downside is that if you squat and deadlift, your body forgets to use your glutes,
    and overcompensates using different muscular tissues.
    Your lower again, hamstrings, and quads often take on the extra load resulting in decrease again pain and
    hip pain, creating muscular imbalances. If your glutes aren’t firing properly then you can turn out to be “quad-dominant”, resulting in huge quad
    muscular tissues, with little to no butt. To construct your glutes, it’s essential that you simply activate your glutes.

    Our muscle tissue are like chains, and when one is weak or messes up, a reaction happens
    that finally ends up with the other muscle tissue and joints overcompensating or
    being directly injured. However when you’ve
    been coaching persistently and do not feel as though your glutes have anything to
    indicate for it, it might not be your butt that’s accountable.
    “And it’s this muscle that is really doing a significant part of that.”
    Getting your glutes to fireside up with squats isn’t always easy, as your quads are
    inclined to take over the motion in most cases. So for some, glute activation workouts prior to performing squats may be necessary.
    Squats will certainly kick your metabolism into excessive gear and they
    are also known to extend progress hormone levels in the physique.
    This train fires up your glutes and particularly
    targets the gluteus medius. It also works your stability within the
    standing leg as you do the aspect leg raise. Bend your knees
    and perform a squat, reaching your glutes back as if
    you’re sitting in a chair.
    Lastly, final on our listing of larger butt exercises is the hip thrust.
    Before we begin with our list of exercises, let’s
    take a more in-depth look at our glute muscles. Suppose of building muscle as making
    an attempt to get higher at a online game. You can’t keep on stage
    one forever and anticipate to turn out to be a
    grasp gamer. In fitness terms, this leveling up is called “progressive overload,” the golden key to unlocking muscle growth.

    As promised, we have designed 2 glute-based workouts that reduce leg involvement so you can give attention to including inches to the booty without
    including any size to the legs.

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