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| Additional information |
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| Caixa Geral de Depósitos SA |
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Overview:
CGD has been at the forefront of Portuguese economic and social development over the last 132 years. It has been a benchmark operator in the Portuguese banking sector in terms of its support to households, companies and domestic institutions, since its formation on 10 April 1876.
On the basis of a strong corporate ethos and the highest ethical standards, rigour and professionalism, CGD is permanently geared to the willingness to change. It is currently the parent company of a modern financial group, prepared to cater for the needs and expectations of millions of customers and the challenges of market globalisation.
Notwithstanding the fact that it is a fully competitive organisation whose operations are based on laws regulating the private sector, CGD is a state owned financial institution and the only type of Portuguese bank with this type of equity structure.
CGD’s principal development objectives include, inter alia:
* Commitment to permanent innovation and on-going improvements to its retail banking services - its principal business area;
* Opening new contact channels with customers and facilitating their access to the bank’s services;
* Gearing and expanding its operations to business areas with higher growth and profitability potential;
* Promoting its customers’ and employees’ use of new technologies, improving the quality of service and reducing operating costs;
* Forming partnerships with other leading companies in their sectors, for creating such advanced new economy services as e-banking, e-commerce, specialised portals and interactive television.
Although operating as a universal bank, CGD is also fully involved in specialised financial services, providing customers with a full service international group.
We enjoy an integrated presence in all quadrants of this universe, namely: investment banking, brokerage services and venture capital, property, insurance, asset management, specialised credit, e-commerce and cultural activities.
CGD is strongly committed to playing a lead role in terms of its provision of services to cater for its customers’ specific requirements, with the aim of retaining customer loyalty and promoting the sustained growth of market shares.
Companhia de Seguros Fidelidade-Mundial was recently formed in the insurance area. This merger between the two principal CGD Group insurance companies, was designed to exploit the synergies deriving from the huge experience existing in this sector, further improving the range of Life and Non-Life Branches insurance services, optimising both business return and customer service support capacity.
Caixa Banco de Investimento is responsible for both investment banking and co-ordinating brokerage and venture capital operations, enabling CGD Group to provide customers with a high level of capital market expertise.
All operations in the asset management field are structured by Caixa Gestão de Activos, SGPS, a sub-holding company handling equity investments in companies in which CGD Group specialises in Unit Trusts, Property Funds, Pension Funds and Asset Management.
Caixa Leasing e Factoring, in turn, co-ordinates equity investments in the leasing and factoring and sales financing companies (SFAC) areas.
CGD, in providing a vast, diversified range of financing solutions tailored to customer needs, has always been a benchmark operator in the Home Loans and Construction areas. This position has recently been reinforced by its participation in the European Agreement on a Voluntary Code of Conduct on Home Loans under the aegis of the European Commission, designed to promote the transparency, systemisation and comparability of information to customers, prior to entering into agreements, both in domestic and European Union terms.
The SME (Small and Medium Sized Enterprises) segment benefits from CGD’s specialised Empresas & Soluções network, comprising teams of professionals providing assistance to companies in managing their operations and achieving sustained business development. |
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