Due to the current exceptional circumstances, the majority of the editorial team of the OTTOBRE magazine are now working from their homes. We have good experience in telecommuting because during the whole period of our operation, a large number of our staff have been based in various European countries.
As a customer, you can expect that matters will continue to be dealt with as usual. Our webshop also continues to operate normally. Like before, all orders for magazine issues will be dispatched from Turku, Finland, on the first business day following the order.
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As a small independent publisher, we want to thank you for helping us to ensure the future operation of our company. We hope that you all will stay healthy and safe during these exceptional times. Subscribe to the magazine. Jul There are many variations of an A-line dress, and a fresh and delicate special-occasion apparel for the mature woman without making it over-romantic. Which dress is your favorite? Have you noticed that schoolchildren grow by leaps and bounds in summer?
Keep an eye on our fabric choices as well — sometimes the beautiful prints play a central role in how we decide to structure a dress! Summer holiday is the time to hang out with friends, sharing secrets, laughing together, and making promises of everlasting friendship when the holiday comes to an end.
These outfits for older children are good for a casual hang out, or even for special occasions! You can find all sorts of lovely treasures on the beach — seashells, conches, bird feathers, and beautiful pebbles. Get ready for some beach adventures with these jersey outfits — soft cotton jerseys are ideal materials for sunny summer days!
The dress design suits many figures and you'll find sizes for almost all dress-wearing members of the family. Floaty dresses with floor-sweeping hemlines have been very much in fashion for the past few years. This maxi dress is sewn from well-draping, lightweight viscose fabric. You can change it up easily with a comfy bolero or with a cool leather jacket! We ship worldwide! Free delivery on subscriptions and orders over EUR ! Buy single issues. Are you already a subscriber? Pay your invoice here!
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Ascension and Corpus Christi transferred to Sunday. Epiphany, Ascension and Corpus Christi transferred to Sunday. Sabato della I settimana del Tempo Ordinario. San Fabianopapa e martire. San Sebastianomartire. San Vincenzodiacono e martire. Sabato della II settimana del Tempo Ordinario. Conversione di San Paoloapostolo. Santi Timoteo e Titovescovi. San Biagiovescovo e martire. Santi Paolo Miki e compagni, martiri.
San Girolamo Emilianisacerdote. Santa Giuseppina Bakhitavergine. Santa Scolasticavergine.See the entire gallery. A failed reporter is bonded to an alien entity, one of many symbiotes who have invaded Earth.
But the being takes a liking to Earth and decides to protect it. A group of teenagers fear for their lives in the swamps of Louisiana, chased by Mr. Jangles, a man possessed by 13 evil souls, and now relentless in his pursuit of new victims. Biochemist Michael Morbius tries to cure himself of a rare blood disease, but he inadvertently infects himself with a form of vampirism instead. Focuses on Al Capone's rise to power moving from the slums of Brooklyn to the top of the food chain in prohibition-era Chicago.
An English journalist and war correspondent recounts his time covering the Bosnian War in the s. The story of British war photographer Don McCullin from his humble beginnings in London to working for the Sunday Times throughout the late 's to the early '80's. A Vietnam veteran returns home to San Francisco and transforms himself into the leader of California's most notorious biker club. A veteran suffering from post traumatic stress disorder attempts to fit back into society after returning from service in the Middle East.
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I would first like to share with you our thinking behind the supervisory measures taken at the onset of the pandemic. No sooner were the first measures of lockdown adopted in the EU than it became apparent that a shock of unprecedented magnitude was ahead of us. First, we announced that we would make fully available to be used the capital and liquidity buffers under our control, namely the Pillar 2 Guidance, the capital conservation buffer and the buffer of high-quality liquid assets to comply with the liquidity coverage ratio LCR requirement.
Second, we decided to frontload the reform on the composition of capital for the Pillar 2 Requirement P2Rthus effectively releasing additional CET1 capital. Third, we recommended not to distribute dividends or buy back shares until Octoberin order to form a better understanding of the magnitude of the shock and the likelihood of a fast recovery.
Our estimates are that those decisions, together with the decisions by national authorities to release some of the macroprudential buffers, made available around EUR billion of extra CET1 capital in order to absorb losses and extend credit before prudential minimum requirements are breached.
Our measures on buffers and payouts are temporary and were taken with a view to better preparing the euro area banking sector as a whole to weather a potentially unprecedented storm. The release of the buffers is perfectly in line with the letter and the spirit of the post-crisis reforms designed by the Basel Committee and endorsed by the G banks have been required to build capital and liquidity buffers that can help withstand also a significant adverse shock.
The use of those buffers during a sharp downturn is essential to prevent the banking sector from acting procyclically and excessively restricting lending to preserve capital during a recession: if all banks deleveraged at the same time, the recession might become deeper and have a stronger adverse effect also on the quality of bank assets and their capital position. Also our recommendation to suspend dividends and share buybacks is aimed at preserving capital, given the current uncertainty regarding the depth and length of this very peculiar recession.
I am aware that this has been a controversial decision and I acknowledge that it may have played a role in the decrease of already depressed market valuations of European banks in recent months.
Still, restricting dividends and buybacks was the right decision to take to keep within the system as much loss absorbency as possible. It would have been imprudent to allow almost EUR 30 billion of capital to leave the sector while a storm of unknown magnitude is building up on the horizon. If the recession turns out to be milder than we expect today, nothing will prevent banks from paying back extraordinary dividends or buying back shares in the future, to compensate shareholders for their patience today.
If, instead, the crisis proves to be even harsher than we expect, shareholders will benefit from the resilience of the banks allowing them to preserve the value of their investment in the longer run. But let me stress that this measure is exceptional and temporary in nature, and we will repeal it as soon as the economic uncertainty is dispelled and the recovery is on sound grounds. We plan to provide more clarity on our stance towards distribution of dividends in July, reflecting also on the recommendation recently issued by the European Systemic Risk Board.
To complete the overview of the supervisory measures taken so far, let me mention here that we encouraged institutions to limit the procyclical implications of IFRS 9 accounting, we temporarily switched off a supervisory component of the market risk capital requirement in response to excessive market volatility, we deployed flexibility in the supervisory treatment of exposures within the scope of application of national support measures, such as moratoria and loan guarantees, and we provided banks with temporary operational relief from supervisory activity and decisions in several cases, to acknowledge their impaired working capacity during the lockdown.
While in the last financial crisis banks were at the origin of the shock and their weak capital and liquidity position contributed to amplifying the impact of the crisis on the real economy, this time banks are positively contributing to helping the economy absorb a shock originated by the pandemic and the lockdown measures. Banks significantly expanded lending during March, due to a surge in draw-downs of committed credit lines and, in some cases, re-intermediating business from other financial institutions under stress, such as money market mutual funds.
The growth in lending to non-financial companies continued also in April. Lending survey evidence, dating back to end-April, shows that this increase in lending occurred with a very contained tightening in credit standards and conditions, especially compared with Banks expect the demand for corporate credit to increase further in the second quarter. They expect to relax credit standards considerably, probably due to the utilisation of national guarantee programmes.October Calendar in Microsoft Excel format.
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