Central Europe banking and finance tenders

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A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalised a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Finance is a term for the management, creation, and study of money and investments. Specifically, it deals with the questions of how an individual, company or government acquires money – called capital in the context of a business – and how they spend or invest that money. Finance is then often divided into the following broad categories: personal finance, corporate finance, and public finance.

There is no general agreement either on what geographic area constitutes Central Europe, nor on how to further subdivide it geographically. At times, the term "Central Europe" denotes a geographic definition as the Danube region in the heart of the continent, including the language and culture areas which are today included in the states of Croatia, the Czech Republic, Hungary, Poland, Romania, Serbia, Slovakia, Slovenia and usually also Austria and Germany, but never Russia and other countries of the former Soviet Union towards the Ural mountains. Depending on context, Central European countries are sometimes grouped as Eastern or Western European countries, collectively or individually but some place them in Eastern Europe instead for instance Austria can be referred to as Central European, as well as Eastern European or Western European and Slovenia can sometimes be placed in either Southeastern or Eastern Europe. The 15 countries comprising this subregion are Austria, Belgium, the Czech Republic, Denmark, France, Germany, Hungary, Ireland, Liechtenstein, Luxembourg, the Netherlands, Poland, Slovakia, Switzerland and the United Kingdom.