cooperative: Cooperative Bank in the White Rawska, Orzesko – Knurowskiego

Cooperative Bank, Cooperative Bank in Sanok, Podkarpackie and

Cooperative Development Bank today made their debut on the market

catalyst. In connection with this event Warsaw Stock Exchange

added on its website dedicated to market the new Catalyst

the “cooperative bonds. Not yet on the Catalyst can be

find information on corporate bonds, municipal and treasury.

Public market debut bond banks of the Group of BPS is a breakthrough in the history of

Polish cooperatives. For the first time in the history of capital market

cooperative banks bonds were publicly traded. About randzie

Events testified the presence of Deputy Prime Minister Waldemar Pawlak and

Undersecretary of State in the Ministry of the Treasury Mrs. Joanna Schmid.

“I am very pleased that the banks of the Group of BPS showed a new, rapid and

effective development path for the Polish cooperatives. The attractiveness of this market

investors shows that all the bonds were covered in their entirety ”

- Emphasizes Miroslaw Potulski, governor of the Bank BPS.

Recall that the Bank of BPS and its four affiliated cooperative banks

issued debt securities with a total value of 119 million zł. Bank BPS, emitted

and placed bonds worth 80 million zł. Cooperative Bank in Podkarpackie

Sanok bonds worth 25 million fromł, Orzesko – Knurowska Cooperative Bank in

Knurow acquired 7 million zł, BS in the White Rawska 5 million fromł, a Cooperative Bank

Development Szepietowie 2 million zł.

According to CSO estimates, for the second quarter of 2010 to work on the domestic market

About 11 700 active players in the sector of cooperatives, including 576 banks

cooperative (of which 359 are members of the Group is BPS.

“Even if only a small portion of these entities choose to follow in the footsteps

Lead banks, bonds, cooperative sector has a chance to become a

most abundant representative of the Catalyst. Even now the issue of securities

Debt is the next dozen or so interested parties “- following John

Kuzma, president of the Brokerage House BPS. The role of DM in the publicity banks BPS

cooperative provides the title of Catalyst Strategic Partner, awarded on

BPS Brokerage House today by the Stock Exchange.

So far, the title of the Warsaw Stock Exchange honored only two banks.

Currently the market is quoted Catalyst 1957 series bonds

corporations (39) and municipalities (1918) and Treasury bonds forming

most market segment Catalyst.

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fulfilling the financial reporting forms to the tax authorities, KRS,

Center KPRM or CSO. How then would benefit from the time to conduct

own business? Only if this is possible? As shown by the

other countries the answer is simple – YES. Just all of us will:

administration, organization, business.

An example for us to be Australia. There, the above solution

already exists (the SBR). Entrepreneurs do not have to repeatedly

counterproductive to repeat the same activities related to the transmission of

the same financial data only because the various authorities

the public does not cooperate with each other. In Australia the opportunity to transfer

reported the information electronically using standardized technology

XBRL.

If there is managed and more importantly, more countries opt for the same

step, why not enter the same solution in Poland?

Entrepreneurs have their hands full not because they realize their objectives

business, but because they have to devote one third of their time performing

disclosure obligations to the administration. This means that almost 3 hours

day they take things that do not provide any benefit to our development.

Does this can not be shortened?

It can be and they know it all. Technological progress allows for the implementation

innovative solutions that significantly reduce the time of their operations.

Entrepreneurs are aware of it. 37% of them indicate the transition from mode

paper to electronic mode as a way to increase the efficiency of their work

performed for the administration. Be said for the convenience, time saving

and money!

Many public institutions requires us data related to our situation

financial. Revenues, expenses, profit – all of this information, and are interested in

required by all: tax authorities for tax purposes, the CSO – the

statistical purposes, the CO KPRM – for information. It is only

Part of the recipients. If interested in the same information, why

the entrepreneur must provide to each of them separately. Do not be sufficient

send them only once?

Of course, this possibility exists. Just the will to cooperate in order to

harmonization of information exchange. Its effect may be to create an electronic

reporting platform, to which the trader will send a complete

set of information, and various public institutions to download the ones they are

needed. All electronic, quickly and efficiently.

Harmonization of reporting would be beneficial to all. Facilitate

daily functioning as both traders and administrations.

So let’s do everything possible to such a solution arose.

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The value of computer game market worldwide is estimated at billions of dollars, so old it only confuse the child entertainment not only for this reason seems to be least risky. Production of high-budget game points out the production of Hollywood movies. Committed staff of high-class specialists, it takes at least several years, taking up a lot of money, in the case of a flap – and it often means selling less than one million copies, even threatens to bankrupt the company or department. High barrier to entry makes the same, that this market segment is already quite precisely parceled …

therefore, it would seem that the age of computer-enthusiasts who have formed a garage interactive masterpieces gone forever – without the support of the entire legion of professionals are likely to gain little, after all … In the case of games written for “hardkorowego” player, which features the latest equipment and usually spends a lot of time with him – Indeed, in the case of the so-called game. casualowych – available for free in web browsers and increasingly on social networks in which from time to time Flaggenbar most of us – not necessarily.

Problems with the definition of a player and game flow casualowych both imprecisely defined target groups, as well as the structure of the game itself. As Paul says Kopiński of Wroclaw’s Techland: In Polish, often operate the term “player on Sunday,” which indicates the frequency of play more than a selection of titles. There are a lot of titles that are on the border of casual and hardcore games, that’s at least one of the best-selling series in the world – The Sims. Perhaps some people are not agree with me, but clearly it has characteristics of both types of games.

The phrase “a player on Sunday” by clear reference to the Sunday drivers is also pejorative coloration, which translates into a slightly mocking attitude “real players” for this branch of entertainment. It is common belief is that the casual player is not very demanding, who is looking for an alternative to a boring, rather than a series of true challenges that provide electronic epics. However irreverent opinions only indigenous players – both creators and distributors of games have long recognized the potential and importance of this market segment. Gregory Miechowski studios with 11-bit explicitly states: There is only one feature that distinguishes the casual player hardkorowego. This is not his passion, a hobby, but one of the many leisure activities, such as movies, books and a walk. Uncomplimentary opinions are going to the mental shortcuts and simply false. Anyone who wants to play in the game has to her high expectations. He wants to make it a fun and behind. The challenge for developers to create such a game, is the same.

Player casualowy on playing often spends a total of more time than many hardkore. High-budget games that they require the appropriate setting, concentration i. .. a few free hours, and much easier to save these teens than thirty years managers. Casual games is often the only kilkunastominutowe sessions at the computer or phone, however, repeated a dozen or so times a day.

So if not the quality of entertainment offered, or the time devoted to it are those dystynktywnymi casual, so what is it? On the financial aspect draws attention to Charles Kowalczyk’s World-Loom, which deals with the production of casual games from 3 years. [Casual - editor. kg] appreciates the intricate storyline and graphics – but reluctant to pay more for it. It’s a bit like the movies at the cinema and watching the production at home watching television. Goes to the cinema for something amazing, and the house looks at what flies – and decides to what happened to us interested. Nobody is trying to watch everything on TV or play and compare all Casu. Expenditure of $ 7 is not a fortune, and these games are often bought on impulse.

Casualowy favorite player is playing the game so the browser. The spectacular success, despite the general economic downturn, has been responsible for agricultural Zynga madness on Facebook. Farmville is a free game, but revoked the producers left the door open to their own profit. Player cultivating the field can win all the good hard work, but not all with the same zeal he likes to plow the land and these are paths to shortcuts. Exchanging real money, the currency used in the game, you can buy goods, which allow you to quickly and painlessly develop their own farm. The choice is, Of course, a player …

But Google has already decided – the last time it got loud about Google’s investment, which is planning to create a platform for their games, Zynga has invested in approximately $ 100 million (the exact amount is unknown, some sources say up to twice the total) . For now, little is known about the project, but working with Zynga suggests that the changes will be focused precisely on casualach.

The potential for this type of game also saw our last-Klasa.pl, which is carrying out a rebranding in the fashion of Facebook for a lot of reserve games portal space. Our-klasa.pl, or rather nk.pl decided on this step, risking displeasure of its users, regulaminowym Reluctant to change. Prospects for profit must therefore be higher than the losses associated with the eventual migration of all the malcontents.

Social networking is as yet surest way of reaching out to potential players. Huge, but imprecisely defined target group is one of the major marketing problems creators and distributors of gaming casualowych. More difficult is the address a promotion. Can casual game is a game for everyone? If so, how to reach “everyone”? Every good game, this game is a casual game, however, with a specific idea of what we are going to play, so it is often not a game for everyone, but for a group of people who have to try to define – says Grzegorz Miechowski.

The difficulty of this segment of the game so do not lie in the production part, because, as Karl Kowalczyk convince: budgets and teams are much smaller. While the production of hardcore games can cost millions of dollars, a budget is usually casual located within a few dozen, stukilkudziesięciu thousands of dollars. There continue to be made here productions “in the garage.” Hardcore game produced a few years. The market takes a few Casu production, up to several months, but just in distribution.

These problems are not discouraged, however, neither the authors nor the entrepreneurs who are well aware that the risks associated with investments in the casual game, however, is temptingly low. Hardcore games are usually long-term investment, requiring a good team, testing, high expenditures on audiovisual binding. Casual game three of your friends can write on the weekend and improve on the observations of players almost immediately. If you do not come out, just write another, in the case of “big” production flap may mean many millions of dollars of losses – Peter says the service Gnyp Polygamia.pl.

A separate subcategory in the segment for the particular case are the games that use motion controllers. Japanese Routes wiping with Nintendo with their Wii. This innovative console came to fight with other giants in the market – the PlayStation 3 and Xbox 360 – and, despite the obvious technical deficiencies, the world is doing very well.

Being different from other Wii consoles available on the market is crucial. Nintendo gave up because the arms race in graphic design, bringing innovation to the control, which was henceforth to be natural and intuitive. Instead of traditional pads, inexperienced players who could pose some difficulties, the Wii console is equipped with a wand called Wiilotem. The movements were a player, with its sensors shown, sczytywane and changed the coding to control an avatar. The player was forced to physical activity, but allow the natural movements for smooth navigation.

Wii on the market introduction was accompanied by a huge promotional campaign directed to a whole new client – primary target group became the women who were seen in the Wii substitute for fitness classes. Judging by the results of the sale to a large extent have succeeded.

In Poland, things were somewhat different. None has done any marketing support from the Japanese brought the little console a technical curiosity. In Poland (as opposed to Western Europe, the United States and Japan) Nintendo as a company is marginal. Please note that Nintendo is not even a Polish subsidiary. Resellers Nintendo hardware and games come down in small quantities and sell them at your own risk. About the Polish versions of such games for Nintendo in general there is no question – says Paul KopińSki.

There are also important historical backwardness. Michael Gembicki CD Project notes that has not developed much in the habit of Poland social gaming, which is meeting and playing together, players and the environment is still perceived as a rather tight and hardcore. Fortunately, the situation changes with each year more and more people playing casual games.

Symptoms change, Paul is seen CcńSki: Increasingly, this is some form of spending free time with friends, and among 20 – 30 year olds is not surprising and unprecedented. Not only did I have in mind “with a friend at the border of beer, but larger meeting fans Guitar Hero, SingStar or Rock Band.”

The chances of the growing popularity of games “movement in Poland Michal Gembicki sees the next phase of the console war. The popularity of the Wii has made Sony and Microsoft could not hesitate to copy the idea. Announcing the new controllers and Move Kinect, this time probably supported solidly prepared campaign gives reasonable hope. It may be shown at E3 – Move and Kinect and Prime Minister of Poland, the situation will change and be interested in playing a wider target, and thus will increase the sales of casual games.

games – both hardcore and casual is increasingly popular pastime, and, consequently, more and more reliable business idea. Casual further demonstrate that this business is the idea – not the initial capital – counts the most.

Kaja Grzybowska

Inwestycje.pl

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How to properly plan your e-business? How to become ideal applicant grants to the company website? How to finance and maintain the liquidity of e-business? How to avoid mistakes in the application of e-grant in the future, and how not to lose? About all we learn from the special report Bankier.pl GRANTS E-2010, prepared by the editors of the portal and its partners.

The popularity of support under the “Eights” is not weakening. We have many sympathizers in the country of e-grants. They need to remember that not every company in the Internet provides e-service, and it is a condition of obtaining EU funds – says Paul Wachowski, editor and lecturer Bankier.pl Company Taxation. Although the merits of supporting e-projects raises a lot of controversy, one thing is certain e-grants is an opportunity for the development of information society in Poland. As longśmy not wasted, but that is largely dependent on the assessors evaluating proposals – he adds.

Among many texts and video materials on the application process, and then clearing the e-grants, readers also have the opportunity to directly ask questions to experts from the European Centre for Financial Consultancy, who are on call every day on the phone. The report, E-GRANTS 2010 Bankier.pl also took patronage over the contest in the e-business, in which the winner can win up to 700 000 ofł.

We invite you to read the report, E-GRANTS 2010

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In June, the largest positive monthly dynamics characterized by a relative of works in the development of playgrounds (monthly increase announcements on these works amounted to 121.8 percent.) And playground equipment (87.1 percent). Significantly increased the demand for roofing (38.5 percent), services of credit (monthly growth rate reached 38.3 per cent). Ongoing construction work also increase the demand for services supervision of works (monthly increase of 36.3 percent.). Holiday season is also time to change computers – appeared in June by 32.7 percent more than in May for the delivery of notices in laser printers and computer equipment.

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Gift of Nature in the factory as part of Rzeniszowie further investment in Poland

Nestle Waters Poland SA announced today the opening of a modern factory for the

market for the supply of water to offices and homes (Home & Office Delivery) in Rzeniszowie

(Near Czestochowa).

The plant will support the development of brands of bottled water by Nature’s Gift

providing a new source of water in the area adjacent to an important center

industrial and large urban centers. It also complements

17 years ago opened a factory in Częstoniewie (near Warsaw).

The plant will produce water in large bottles with a capacity of 18.9 l.

Worth over 5 million investment in Rzeniszowie allow Nestlé Waters

Poland for further development on the Polish market for the supply of water to offices and homes (Home &

Office Delivery).

At today’s opening ceremony was attended among others Mayor Rzeniszów –

Jacek Śsęczka, a representative of the Embassy of Switzerland – Thomas Stahli, Director

General Nestlé Waters – John J Harris and W. Pytlak – Director

Market (Country Business Manager), Nestlé Waters Direct Poland.

Opening a factory in Rzeniszowie is another step in brand development plans Dar

Nature on the Polish market. One of the reasons for the decision to build a new

manufacturing plant was further optimize perfectly viable from

year of business, which combines with the comfort of the highest quality service offered

- Supply of natural spring water to the indicated address of the office and home –

Vladimir says Pytlak, Director of Market (Country Business Manager).

The factory offers the most advanced technological solutions. on

area of over 36.000 m2 plant will be able to produce more than 40

million-gallons per year, while employing 45 people.

Nestle Waters Poland Rzeniszów chosen because of the high quality of occurring

Here the water. Water coming from a local source meets all quality requirements

organoleptic characteristics and requirements adopted by Nestlé Waters. Water features

it is low in sodium bicarbonate with a predominance of calcium and magnesium, and the level

mineralization is ideal for everyday consumption.

In 2009, sales of Nestle Waters Poland was around 90 million Euro.

Nestle Waters Poland promotes strong local brands such as whether Nałęczowianka

Nestlé AQUAREL in the retail and fashion brands such as Nature’s Gift and Nestlé

AQUAREL on the market for the supply of water to offices and homes (Home & Office Delivery). nestle

waters, Poland is also distributing the Polish market such brands

international as Perrier, Vittel, Aqua Panna and S. Pilgrim.

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Against this background would be much more modest look, such as the Podlaskie province (monthly increase of 8 percent), Lublin (4.6 per cent.) Podkarpackie (3.55 per cent.) Warmińsko-mazurskie (2.9 percent), Alberta (monthly increase of 2.4 per cent), Lubuskie (an increase of just 1.9 per cent).

in absolute terms, traditionally the first position is a province. Masovian – in June, came from his two thousand. 674 public procurement notices. From another region – Silesia – now came a thousand. 649 ads. In dealing with third place voivodship – a thousand. 636 ads. The level of notices of thousands have crossed the Greater PA (a thousand. 404), Alberta (1 thousand. 252) and Pomeranian (1 thousand. Notice of ZP 171).

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Of all categories of notices of proceedings in the RC, in June against the previous month, the number of ads most of construction works. In the sixth month of 2010 in the Public Procurement Bulletin appeared in six thousand. 961 ads for repairing-building works, with 15.10 percent more than in May.

Two-digit monthly growth dynamics also applies to advertisements for the supply of goods. In June, the supply of goods related to four thousand. 969 notices of almost 12 percent more than in May.

The ratio also increased the number of monthly announcements of the service – in June BZP appeared four thousand. 887 ads in this category, 6 percent more than in May.

- Increase the number of ads for the construction, with a maximum around June-July is a typical seasonal trend, occurring in earlier years. This is no different, and in the present. This is normal, the work of renovation and construction work is seasonal, and summer period is ideal to carry out such work, is in fact a traditional time of activity in the construction industry – explains Beata Szkodzin, publisher eGospodarka.pl site. – Much more welcome while another trend, namely the high birth rate the number of notices in relation to last year. He points clear at the end of last year’s collapse in public procurement, which was associated with problems for many companies so far almost exclusively aimed at cooperation with the public sector. There are also no effect of the contract associated with the EU support programs. As shown by government statistics, the issue of EU funds also moved, which directly translates into an increase in the number of tender announcements – Beata Szkodzin added.

Of all published in June 2010 on the site przetargi.eGospodarka.pl 16 thousand. 817 ads, mostly by applicants has been chosen to open tender procedure. In this form of service contract was decided to 93.94 percent in the contract notice to the public. Limited tender was selected in 0.56 percent. orders. For other forms of execution of the contract – the competitive dialogue, negotiation, without announcement or ask for a price – it was decided in June to 5.5 percent in the case. notices of the proceedings on the granting of ZP.

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In the sixth month of the year in the Public Procurement Bulletin appeared in 16 thousand. 817 notices to 15 thousand. Announcements in May 1994, 14 thousand. 964 ads in April and 15 thousand. 833 In March.

Construction contractors, suppliers of goods and services have already been to split the pie much bigger than a few months earlier. Since the beginning of the year had already announced a 17 percent more procedures for RC than a year earlier – in the first half of 2009 in BZP appeared together 69 thousand. 167 notices in the first half of the current year and 80 thousand. 935th

Relative to last year has seen already seen a clear reflection of the budget and public institutions do not have to make drastic “cuts”, somewhat blindly – as it did in 2009.

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Brazil also has strong domestic demand and continue to grow – says Guido Stiel, an expert in Chinese securities fund, Allianz RCM Bric Stars Fund. – The portfolio of the fund have a few of our securities, which benefit in this trend – Anhanguera, Banco Bradesco and Banco Itaú, and Localiza, a firm dealing with rental cars. We are also interested in Brazilian commodities and large-capitalization companies. Although commodity prices have fallen slightly, we believe that in the long term should be present precisely in this sector. As for India, we have a strong position in the banking sector, since it is well seen from a consumer perspective. More conservative investments include securities in the healthcare sector, such as Dr. Reddy’s, Piramal Healthcare and Infosys, which are becoming more common beneficiaries of outsourcing. Infosys in particular is one of the best-managed outsourcing companies not only in India but all emerging markets for us and is a major component of our portfolio.

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