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ATM (Automated teller machine)
Automatic device used by customers to perform operations such as withdrawing cash, paying cash or cheques in, requesting information on their accounts, paying utility bills, recharging telephones, etc.. Customers operate the machine by inserting a card and typing a personal identification number.

Banc assurance
Expression used to refer to the sale of traditional insurance products through a bank’s branch network.

Asset & liability management (ALM)
Integrated management of assets and liabilities designed to allocate resources in such a way as to optimise the relationship of risk to yield.

Asset management
Management of financial investments belonging to others.

Banc assurance
Expression used to refer to the sale of traditional insurance products through a bank’s branch network.

Basis swap
Contract which involves an exchange between two counterparties of payments linked to variable interest rates based on different indexes.

Basis swap
Contract which involves an exchange between two counterparties of payments linked to variable interest rates based on different indexes.

Capital allocation
Process by which decisions are made on how to distribute investments among different types of financial asset (e.g. bonds, equities and liquidity). Capital allocation decisions are determined by the need to optimise the risk/return in relation to the time horizon and the expectations of the investor.

Consumer finance
Lending for consumption. Loans to granted to private individuals for the consumption of goods and services.

Corporate governance
Corporate governance defines the assignment of rights and responsibilities to the participants in the life of a company in relation to the distribution of duties, responsibility and decision making powers by means of the composition and functioning of internal and external corporate bodies. One fundamental objective of Corporate Governance is to create maximum wealth for shareholders, which in the medium to long term, is also advantageous for other stakeholders, such as customers, suppliers, employees, creditors, consumers and the community.

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