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... an average annual rate of 4%, underpinned by strong growth in housing assets, debt and consumer confidence. in contrast, in the following three years, real consump- tion fell.the shift is ... 33 the articles of association with respect to profit appropriation proposed profit appropriation branches and representative offices post balance sheet events auditors' report 34 as of december 31, 2004 c o ...
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untitled
... compliance ahmet baysa group manager information technology ece canan sudak manager financial control representative office sedef gueven gevrek representative 05 2006 has been a successful year for teb nv. net profit ... and the negative effect of the market turmoil on consumer and business confidence. the slowdown in demand for house and consumer loans has been more significant than in other types ...
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Tebnv Orj
... operations orkun mungan, financial controller - financial control evert habiboellah, assistant vice president - accounting representative office sedef gueven, representative r e p o r t o f t h e s u ... increase in energy prices. the former caused loss of confidence whereas the latter pressurized consumer spending. consequently, 2002 turned into a year when the world struggled to overcome recessionary ...
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TEB NV FR 05.fh9
... president credit administration byron kruip, compliance officer representat ve off ce sedef gueven gevrek, representative reportofthe supervisoryboard teb n.v. is a subsidiary of teb a.fi. which is ... averaged this is 0.5 of a percentage point higher than in 2004, when consumer prices averaged 1.2% higher than in the previousyear.theincreasewascausedbypricesofenergy products. according to statistics ...
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Tebnv2003
... economy bank n.v. in brief 2, supervisory board, management board, corporate officers and representative office 5, report of the supervisory board 6, report of the management board 8, ... spending contributed positively to economic growth. unemployment continued to rise while consumer price inflation hovered at around 2%. consumer prices rose more report of the management board despite the economic ...
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