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(Click for frequent words.) 56 UAH #.#bn [001] 53 PSzÁF 53 CSSPP 53 Ceska sporitelna 53 KPMG Oy Ab 53 HUF #bn [002] 52 MBB Industries 51 pojistovna 51 Sporitelna 51 Banca Romaneasca 51 Banka Slovenije 51 Romexterra 51 OP Pohjola Group 51 Agrobanka 50 CROSS Industries 50 CBBH 50 ARQUANA 50 NJSC 50 LTL #mn [002] 50 Geniki 50 Latvijas Krajbanka 49 Nordecon 49 Aktia 49 HUF #.#bn [005] 49 Komercijalna Banka 49 NEXUS AG 49 DnB Nord 49 Excessive Deficit Procedure 49 OeKB 49 Ardaf 49 Asigurari de Viata 49 Ukrgasbank 49 SLSP 49 Eurobank EFG 49 BPH SA 49 Raiffeisen Leasing 48 Splendid Medien AG 48 AvW Invest AG 48 NKÚ 48 Kreditanstalt für Wiederaufbau KfW 48 UniCredit Tiriac Bank 48 CSOB 48 Kc#bn [002] 48 Ceska pojistovna 48 AGBank 48 TBIH 48 Deposit Guarantee Scheme 48 Austrian Raiffeisen 48 Budgetary Control 48 Cetelem 48 Palladius AG 48 Deutsche Wohnen 48 Raiffeisenbank Bulgaria 48 VOGT electronic 48 Volksbanken 48 Investbank 48 PLN #.#bn [001] 47 Zrt 47 nextevolution AG 47 Tatra Banka 47 Česká 47 AvW INVEST AG 47 Rs5 ,# crore 47 Eesti Post 47 Bank SNORAS 47 DnB NORD Bankas 47 Investsberbank 47 Azerpoct 47 regulator PSZAF 47 Kommunalkredit 47 Gorenjska banka 47 Abanka Vipa 47 banka 47 EUR 4mn 47 Slovenia NLB 47 Waberer 47 EUR #.#mn [005] 47 Investkredit Bank 47 Kc1bn 47 HBOR 47 PricewaterhouseCoopers Oy 47 UAH #mn [001] 47 TAG Tegernsee Immobilien und 47 AvW Gruppe AG 47 EUR 5mn 47 Rietumu Banka 47 forint denominated 47 Qarant Sigorta 47 APEH 47 Carpatica 47 Authorised Public Accountants 47 Algirdas Šemeta 47 Hungary OTP Bank 47 OKO Bank 47 Bancpost 47 Bank Austria Creditanstalt 46 Sampo Pank 46 DZI Bank 46 EUR #.#mn [004] 46 Poland NBP 46 RASDAQ 46 PATRIZIA Immobilien AG 46 Constantia Packaging 46 Ceska Sporitelna 46 MKB Romexterra 46 Azerdemiryolbank 46 Investkredit 46 AZN #mln [001] 46 Polbank 46 UniCredit Leasing 46 Banca Comerciala Romana BCR 46 Citadele 46 Istrobanka 46 Societe Generale Expressbank 46 Lebensversicherung 46 EU Structural Funds 46 Kc#.#bn [004] 46 PKN ORLEN 46 PAIiIZ 46 AFEP MEDEF recommendations 46 RUB #.#bn [002] 46 DF Deutsche Forfait 46 Ukreximbank 46 Plan NIP 46 DZ BANK AG 46 GWB Immobilien AG 46 ČD 46 Letiste Praha 46 MKB Bank 46 TBC Kredit 46 Csányi 46 Abanka 46 Eligible Liabilities 46 Immobilien 46 Wiener Städtische 46 UAH #.#mn [004] 46 Doverie Holding 46 mln kroons 46 E Invoicing 46 Informationstechnologie 46 NATIXIS 46 BT Asigurari 46 Authorised Public Accountant 46 Pensii 46 Sk#.# billion [003] 46 Pankl Racing Systems 45 Veneto Banca 45 Pfandbriefbank 45 Hebros Bank 45 CAMELS rating 45 KBC Groep NV 45 Cosmote Romania 45 Banka Koper 45 Finnvera 45 Julia Pitera 45 Bank Biochim 45 MKB Unionbank 45 Statutory Auditor 45 ESTAVIS AG 45 Liquidity Ratio 45 Slovensko 45 UniCredit Tiriac 45 BPH PBK 45 NLB Banka 45 CCEVS 45 eBanka 45 KM #mn [002] 45 Nova Banka 45 IDABC 45 Oesterreichische Kontrollbank 45 Dresdner Factoring AG 45 sporitelna 45 Banca Comerciala Romana 45 Solvency II Directive 45 plenum AG 45 HTI AG 45 Volksbank 45 CA Immobilien Anlagen 45 Íslandsbanki 45 Warimpex 45 FRSSE 45 Nova Ljubljanska 45 Bank Pekao SA 45 Structural Funds 45 Ecostat 45 Rompetrol Group 45 Romania BNR 45 UNIQA 45 Skarbiec 45 Kc#.#m [001] 45 CZK #.#bn [004] 45 ITD Hungary 45 Enics 45 Heijmans NV 45 Takeover Directive 45 Eurohold 45 Rasdaq 45 Zoltan Torok 45 Eesti Telekom 45 Inteligo 45 Raiffeisen Centrobank 45 ESA# 45 Kc#.#bn [001] 45 Raiffeisen 45 Raiffeisenbank Ukraine 45 Länsförsäkringar 44 Immorent 44 SIF Oltenia 44 STRABAG 44 MBRD 44 Quality Assurance Scheme 44 Èeská 44 Eurosic 44 Banca Agricola 44 z oo 44 ESBA 44 Authorised Advisers 44 Franconofurt 44 Authorized Public Accountants 44 Biennium 44 Zagrebacka Banka 44 Hansabank 44 Oschadbank 44 Versicherung 44 Biochim 44 BSPB 44 UAH #.#bn [004] 44 Parabank 44 CRD3 44 BUDAPEST Dow Jones 44 Internal Audit Unit 44 Asirom 44 EFG Eurobank Ergasias 44 Eybl 44 Belarusbank 44 EIBank 44 Yapi Kredi Bank 44 Uniastrum 44 AvW Invest 44 Raiffeisenbank Austria 44 nextevolution 44 PKP PLK 44 eQCM 44 z ³ .#.# [002] 44 Snoras 44 Occupational Pensions Supervisors 44 EUR #.#bn [002] 44 NDPB 44 DZ BANK 44 Hungary MKB 44 EUR #mn [001] 44 Privatbank 44 #Ф 44 Ameriabank 44 Chamber Sergei Stepashin 44 OTP Garancia 44 BCR Asigurari 44 Accounting Auditing 44 Student Loan Scheme 44 AICL 44 EUR #.#bn [001] 44 AvW 44 UAH #.#mn [001] 44 Austrian Erste 44 EPH 44 Krajbanka 44 Invoice Finance 44 SoluCom 44 AvW Group 44 Road Haulage 44 České 44 Emperia 44 Rodovid Bank 44 Promstroibank 44 CA Immo International 44 Cramo 44 BB BIOTECH AG 44 Česká spořitelna 44 Deposit Insurance Scheme 44 ProCredit Bank 44 SECOND GUIDE TO 44 ANCOM 44 Egnatia 44 Violina Marinova 44 CRE exposures 44 Statutory Auditors 44 Remuneration Committees 44 BCPP 44 AFEP MEDEF 43 Wuestenrot 43 Deposit Guarantee Schemes 43 NewConnect 43 BRAIN FORCE HOLDING AG 43 bln kroons 43 Bank Handlowy PBK 43 Bank Respublika 43 Banca Carpatica 43 NASDAQ OMX Vilnius 43 Klöckner Werke AG 43 ČR 43 BCEN Eurobank 43 VIB Vermögen AG 43 Liquidity Adjustment Facility 43 Temporary Framework 43 Nyrt 43 GROUPAMA 43 Slovenská 43 Van Lanschot NV 43 Chelopech Mining EAD 43 Raiffeisen Bank 43 Occupational Pensions 43 EUR 1mn 43 Regulatory Impact Assessment 43 Gergely Suppan 43 Tacis 43 EBRD 43 Texnikabank 43 AVAS 43 Kazyna 43 Slovenska Sporitelna 43 Jsc 43 Kooperativa 43 BIOPETROL INDUSTRIES AG 43 zł.#.# [002] 43 Credem 43 Bulbank 43 Hitzinger 43 Raiffeisen Centrobank AG 43 FranconoRheinMain AG 43 Rabitabank 43 Asigurari 43 Avaloq Banking System 43 UNDG 43 Nomination Committees 43 EuropeAid Cooperation Office 43 PLN #.#mn [003] 43 Capability Reviews 43 FIBank 43 BGZ 43 Modernisation Programme 43 LVL #mn 43 VTB# 43 Banat Crisana 43 ÚOHS 43 Komercni 43 Antimonopoly 43 PSZÁF 43 Bank VSE EBS 43 Oberbank 43 Uniastrum Bank 43 Hungary Magyar Telekom 43 Landesbank Berlin LBB 43 Banca Popolare di Vicenza 43 Kredyt Bank 43 EEK #.#bn [001] 43 Electronic Invoicing 43 Stocktaking 43 FORPOST 43 RUR#.# billion 43 Bank Nyrt 43 Banks DFIs 43 Vneshtorgbank VTB 43 Queenco Leisure 43 Uniqa 43 ORCO 43 Roseximbank 43 Actuarial Standards 43 EUR #.#mn [001] 43 EUR #.#mn [006] 43 Komerční banka 43 DemirBank 43 Identification Number ISIN 43 Polfa 43 Infond Holding 43 Modernization Initiative 43 SIF Moldova 43 Parex Banka 42 Ortec Finance 42 CNVM 42 Alf Göransson 42 Therewith 42 Austria Erste Bank 42 Private Voluntary Organisations 42 Erste Bank 42 Privatstiftung 42 UkrSibbank 42 RUB #.#bn [005] 42 Bewag 42 HUF #mn 42 Raiffeisenbank 42 A#/P# ratings 42 EUR #.#mn [002] 42 ČSOB 42 Stamp Duties 42 Sparkassen Immobilien 42 PTI SJY 42 Francotyp Postalia Holding 42 Legal Entities 42 FSA Sants 42 RON denominated 42 BCR Asigurari de Viata 42 Radiocommunications 42 Sekerbank 42 SofTech Announces 42 Asseco Slovakia 42 Credit Foncier 42 Aareal Bank 42 Aareal 42 Bank Handlowy 42 Nova KBM 42 Governmental Efficiency 42 Enemona 42 DnB NORD 42 CNAO 42 Deutsche Pfandbriefbank AG 42 Konekesko 42 SFLG 42 Bechtle AG 42 Impact Assessments 42 Parex banka 42 Polska SA 42 Silvano Fashion 42 Allianz Tiriac 42 Friedrich Ebert Stiftung FES 42 Magyar Posta 42 MTD Infraperdana 42 Act PFMA 42 Croatia Osiguranje 42 KfW Entwicklungsbank 42 Hungary FHB 42 Audit Scheme EMAS 42 EUR #mn [002] 42 CIFI 42 Agrobank 42 Accounting Standards IPSAS 42 Radomir Jac chief 42 Bank ČNB 42 loanbook 42 Serbia NBS 42 Statutory Instruments 42 Brau Union 42 ALTA FIDES AG 42 Govt notifies 42 Development IMAD 42 BBLF 42 writes Postimees Online 42 Lemcon 42 Evaluation Process 42 LAAA rating 42 mln levs 42 Parliamentary Entitlements 42 Improvement Notices 42 Rosbank 42 Garancia 42 MinFin 42 CCEA approves 42 Privredna Banka Zagreb 42 DZI 42 Hungary OTP 42 Florin Georgescu 42 KEVE 42 Watt Minder 42 banks DFIs 42 Certification Bodies 42 NAIC Model 42 Hypo Alpe Adria 42 Sibakadembank 42 Piotr Prokopovich 42 non compliances 42 Eesti AS 42 demat account holders 42 Insolvency Directive 42 GZS 42 SoftM 42 Ukrprombank 42 Personec 42 Erste 42 ARQUES 42 Authorized Public Accountant 42 NFD Holding 42 Fondul Proprietatea 42 Accounting Standards IAS 42 Non Departmental 42 HOLDCO 42 osiguranje 42 National Authorising Officer 41 rediscounting 41 Alpe Adria 41 PTI CORR 41 Intervest Offices 41 OÜ 41 rediscounting facility 41 carmaker Skoda 41 LTROs 41 GERLING NCM 41 Valeri Dimitrov 41 CEO Apostolos Tamvakakis 41 Lifelong Learning Programme 41 KfW IPEX Bank 41 railways MAV 41 DZI Insurance 41 International Competitive Bidding 41 Tatra banka 41 Enterprises CPSEs 41 Statutory Liquidity Ratio 41 Bankas 41 Pari Daily 41 OCDE 41 IVSC 41 Kommunalkredit Austria 41 Atlas Copco Atlas Copco 41 UkrGasBank 41 SARFAESI Act 41 Geniki Bank 41 SHIRE PLC 41 PADERBORN Germany Wincor Nixdorf 41 STEP2 41 Procedure Code 41 Intermediation 41 Employment Subsidy Scheme 41 Befimmo 41 Commissioner Algirdas Semeta 41 Novavisions AG 41 Ziraat Bank 41 DJ DGAP 41 Contactel 41 INR#.#m [002] 41 Crédit Foncier 41 GRAWE 41 Transatlantic Agenda 41 Stocktake 41 Small Medium Enterprises 41 conwert 41 Ukraine NBU 41 EUR1bn 41 Danubius Hotels 41 BEKO HOLDING AG 41 Wiener Boerse AG 41 Hochtief AirPort 41 Canbank MF 41 Account Number IBAN 41 Corp Banca 41 Assessment Framework 41 Rompetrol Rafinare 41 Efficiency Effectiveness 41 Vozrozhdenie 41 IPSAS 41 Prva 41 SG Expressbank 41 gross NPL ratio 41 CLRG 41 Scotland ICAS 41 Electrochem Commercial Power 41 Globalisation Adjustment Fund 41 HCFB 41 Chimimport 41 OZS 41 Ethical Guidelines 41 BACB 41 HRK #mn [002] 41 AFS licensees 41 TOLIC 41 Denizbank 41 WHK Horwath 41 Euroins 41 Hermes Softlab 41 MGEL 41 STRATEC 41 RM2b 41 Raiffeisen Investment 41 GLP GMP 41 FCDUs 41 LTL #.#mn [002] 41 FBiH Government 41 ADIF 41 Pension Schemes 41 UUW 41 Broker Cluj 41 Rodovid 41 IPTS 41 PIA CAR Kalinga 41 Governor Mugur Isarescu 41 InvestBulgaria Agency 41 Interregional Investment 41 Safeguard Measures 41 Swissquote 41 NBFC MFIs 41 PIA MMIO top 41 Srbije 41 Fond de Pensii 41 BRD Groupe Societe Generale 41 EPSCO 41 NSF ISR 41 technoparks 41 Linkage Programme 41 Loan Guarantee Scheme 41 Nomos Bank 41 Tonnage Tax 41 Bank Vozrozhdenie 41 SUN Interbrew 41 Biofrontera AG 41 Career Progression 41 Operational Efficiency Programme 41 Eurohold Bulgaria 41 Cohesion Policy 41 BZ WBK AIB 41 ZSE RA 41 Procurement Procedures 40 local Rabobanks 40 Takarekbank 40 FY#/# [001] 40 Slovak Telekom 40 Related Issuers 40 Sparkasse 40 SPRING Singapore 40 RR #-# 40 CRAR 40 Smilehouse 40 Wiener Städtische Versicherung AG 40 Swarnjayanti Gram Swarozgar Yojana 40 Egnatia Bank 40 QFB license 40 MoReq2 40 Ziraat Bankasi 40 Bank Zachodni WBK 40 Tranches 40 IOSA audit 40 Asseco 40 Pre Shipment 40 SBCG 40 TSKB 40 Splitska Banka 40 SORP 40 JA YE 40 Deutsche Pfandbriefbank 40 z ³ .# [001] 40 Governor Ivan Iskrov 40 FHFB 40 AHML 40 Informatika 40 Hungary Egis 40 PBZ 40 Governor Radovan Jelašić 40 Hungária 40 Electronic Transactions 40 NASDAQ OMX Tallinn 40 Komercni Banka 40 Caisse Nationale des Caisses 40 Credit Guarantee Scheme 40 Hypoport 40 Eksportfinans ASA 40 Greiner Packaging 40 Homeworking 40 Paixão Júnior 40 Deductibility 40 Amyas Morse 40 YOC AG 40 R. Rauter 40 Management FRBM Act 40 PIA9 40 Countercyclical 40 zł.# [002] 40 Kulczyk Holding 40 & van Haaren 40 Banka Celje 40 Wiener Staedtische 40 Al Dhameen 40 Slovenija 40 Analyst Andrea Tevlin 40 MKB 40 mln lev 40 KKCG 40 TBIH Financial 40 Amrahbank 40 Yapı Kredi 40 Doğuş 40 Eesti Ehitus 40 banka ČSOB 40 ABB System #xA 40 Ukrsotsbank 40 Moutafchiev 40 SOLVIT 40 Contributory Pension 40 BRAIN FORCE 40 Euro Changeover 40 Real Estate Cadastre 40 ORCO Germany 40 Export Credits 40 Kc#bn [001] 40 Constructionline 40 Programme REGP 40 Beijer Ref 40 Telekom Austria TA 40 Energy ITRE 40 Milan M. Cvikl 40 Prominvestbank 40 Quantitative Risk 40 PIPE Financing 40 Igor Soltes 40 BSTDB 40 Kreditanstalt fur Wiederaufbau 40 Ministerial Decree 40 Negoita 40 Bulstrad 40 Minister Teodor Baconschi 40 Kc#m [002] 40 Komercni banka 40 NKBM 40 Equitisation 40 NBRM 40 NBFI 40 Állami Nyomda 40 Fraud Advisory Panel 40 FlexFinance ® 40 Synergon 40 Michal Brozka 40 HTM category 40 Horizont 40 LVL #.#mn [001] 40 Distrigaz Nord 40 Expandi segment 40 Structured Obligation 40 EASA Part 40 billion soums 40 Orgresbank 40 Internal Audits 40 Impexbank 40 Kvazar Micro 40 Austria Raiffeisen International 40 TransCreditBank 40 Primorje 40 Pojistovna 40 Application Provisioning 40 Inspectorates 40 BNPP IP 40 Medium Term Budgetary 40 Defense Policy ESDP 40 Sergey Stepashin 40 VKGUY 40 Sekyra Group 40 Bt# bn 40 HVB Tiriac 40 News Unternehmensnachrichten DGAP 40 Review Mechanism 40 External Auditors 40 Ergasias 40 Omniasig 40 Orco Property Group 40 Distrigaz Sud 40 PrivatBank 40 FCDU 40 Outlines Priorities 40 Health Scheme ECHS 40 Inspectorate Wales CSSIW 40 Rompetrol Downstream 40 GMP Certification 40 Bank Pekao 40 Optial 40 Generali Providencia 40 ATEbank 40 Organisational Structure 40 CeoTronics 40 Komercni Banka AS 40 QMI SAI Global 40 FRRP 40 Rs#.#mn [002] 40 provisioning norms 40 National Bank NBGr.AT 40 AZN #mln [002] 40 Scarce Skills 40 Systemically Important 40 z ³ 39 ZDB 39 Public Accountants 39 Eurofinance 39 ANAO 39 equitised enterprises 39 BMPIU 39 # DELHI 39 Warsaw Puls Biznesu 39 Infond 39 IAQG 39 FVO 39 EUROCAE 39 Aspis Bank 39 Kc#m [001] 39 Lewiatan 39 Framework Agreements 39 #.#-# Convict Labor 39 MÜSİAD 39 Tranquilidade 39 Aa3 Moody 39 analyst Vladimir Pikora 39 Slovenska 39 Generally Accepted Auditing Standards 39 Napi Gazdasag 39 ECAS 39 Syndicated Facility 39 Orange Slovensko 39 BGN #.#mn EUR #.#mn 39 Transelectrica 39 RoA 39 Electrotechnical 39 BABT 39 wef 1st 39 RNBCs 39 SAFEcontractor 39 BCR Leasing 39 Hypo Group 39 Deutsche Beteiligungs AG 39 TriGránit 39 SEPA Direct Debit 39 NIKoil 39 medium sized enterprises 39 FCCB buyback 39 ICPE 39 PKP Cargo 39 IP Devel 39 Expect flyspeck scrutiny 39 Monetary Policies 39 Bank Slaski 39 Pricewaterhousecoopers 39 Rosia Montana Project 39 NBFC MFI 39 IFM Immobilien AG 39 Emporiki 39 FHLBank Cincinnati 39 BICs 39 BZWBK 39 GlobalCapital 39 Citibank Handlowy 39 Estonia Eesti 39 Authorising 39 Albena AD 39 SEPA Direct Debits 39 Vivacon 39 Zavarovalnica Triglav 39 Auditing Firm 39 Jacada unified desktop 39 SFCs 39 uncollateralised 39 NDTL 39 Kc#.#bn [005] 39 RUB#.#bn [001] 39 GENERALI 39 Gambling Supervision 39 Licence Holders 39 Getin Bank 39 Romania SRL 39 VUB 39 Matáv 39 Crédit Foncier de 39 PIAs 39 FADA 39 Promsvyazbank 39 HDFC BANK 39 Rs.#.# cr [002] 39 Termoelectrica 39 inward remittance 39 BRD SocGen 39 Ziarul Financiar 39 IMPLEMENTATION 39 developer Orco Property 39 Vakifbank 39 Nine o'Clock reports 39 MicroCred 39 Dr Bandid 39 Christoph Leitl 39 Miscellaneous Provisions Bill 39 FreeSoft 39 collateralization OC 39 URSA Bank 39 DenizBank 39 Prompt Payment Code 39 SARIO 39 EPSI 39 Analytik Jena 39 Lucian Anghel 39 Nova Banka Maribor 39 ProCredit Holding 39 Generali PPF 39 BES Vida 39 Revised Guidelines 39 Romstal Leasing 39 Immobilien GmbH 39 ERSTE 39 Levon Hampartzoumian 39 Pekao SA 39 NBFIs 39 Compulsory Purchase 39 Livo Technologies 39 ersol 39 INR1 #m 39 VolgaTelecom 39 VND5 trillion 39 Nova Ljubljanska Banka 39 Warszawa 39 PPFs 39 PM Jadranka Kosor 39 Marfin Financial 39 SmartVista 39 Bank Zachodni WBK SA 39 Postabank 39 anti moneylaundering 39 BMBE 39 aXs GUARD Gatekeeper 39 Common Criteria evaluations 39 NBU 39 Her Majesty Stationery 39 Disbursements 39 rediscount 39 Procredit 39 Ceska Pojistovna 39 Kft 39 '# +2' 39 ILAC 39 BNR 39 SHEQ 39 DBIS 39 #mln rub [002] 39 EconMin 39 F4 ind 39 Arco Vara 39 KM #.#mn [003] 39 MOLDPRES Moldova 39 EU Cohesion Policy 39 MAISONS FRANCE 39 daily Dagens 39 Rietumu 39 P#.#B [003] 39 IPFA 39 Penta Investments 38 ACA ACCA 38 Narodny Bank 38 Initiative Mittelstand 38 Minister Anca Boagiu 38 Internalisation 38 Complaint Handling 38 LTFF 38 Gazprombank 38 Recalculation 38 Unicredit Bulbank 38 Irina Parkhomenko spokeswoman 38 Chinabank 38 Peru Credicorp 38 Miscellaneous Provisions Act 38 Handbook Sections 38 NRE deposit 38 Office ANAO 38 SCAs 38 CAPITAL BHD 38 Nonbank 38 EOOD 38 prudential regulation 38 Blight Elimination 38 Internationalisation 38 Laiki Bank 38 Retains HC 38 Cefin 38 MNV 38 Remitting 38 Auditing Practices Board 38 Olivier Descamps 38 eInvoicing 38 Hazara Phosphate 38 Medicaid RACs 38 Authorisations 38 EUROCHAMBRES 38 Administrative Tribunals 38 Komercni banka KB 38 national airline airBaltic 38 FAR #.#-# [001] 38 Raiffeisen Zentralbank 38 EUR #.#m [004] 38 unexpended balances 38 Marfin Popular 38 Europolis 38 ICICI Bank IDBI 38 Ceske 38 SJSRY 38 Stoyan Stalev 38 Rompetrol Holding 38 Conversbank 38 Biofrontera 38 Raiffeisen International 38 @ Gowlings 38 EFG Eurobank 38 Polski SA 38 SWECO PIC 38 Rs#cr [002] 38 APPU 38 FCNR B 38 Unionbank 38 Brenda Voet spokeswoman 38 SBA loan originations 38 ECM REI 38 Risk Mgmt 38 Liberalise 38 Alior Bank