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Nemea Bank is a pan-European direct bank, providing banking and investment services to individuals, businesses, institutions and high net worth individuals based in the 31 countries of the European Economic Area (EEA). It is headquartered in St Julian's, Malta. As a direct bank, Nemea Bank does not operate any physical bank branches but provides all its products and services online. Nemea Bank is credited with developing the Nemea Instant Payment (NIP) product, which enables real time global money transfers between Nemea clients at no cost.〔Erkko, Anni (July 28, 2010), ("Toista tällaista ei ole" ). ''Kauppalehti''. Retrieved March 16, 2015.〕〔("How to Save Money Making International Payments" ). ''Moneywire''. Retrieved May 12, 2015.〕 == History == Nemea Bank was founded on 2 September 2008, upon its licensing as an EU-regulated bank〔("The ECB publishes final list of significant credit institutions for Malta and other EU jurisdictions" ). ''The Malta Independent''. September 12, 2014. Retrieved January 5, 2015.〕 by the Malta Financial Services Authority (MFSA).〔("Nemea Bank plc (Licence Holder Information)" ). ''Malta Financial Services Authority''. Retrieved March 6, 2015.〕〔Morera Celdrán, Julio Marco (March 7, 2015), ("Seis bancos que ofrecen depósitos en España con intereses entre el 1,75% y el 4%" ). ''Cada €uro Cuenta''. Retrieved March 16, 2015.〕 The Bank is a member of the Maltese Depositor Compensation Scheme,〔(Participants in the Depositor Compensation Scheme ). ''Depositor Compensation Scheme (Malta)''. April 9, 2013. Retrieved February 25, 2015.〕 which is based on EU Directive 94/19 on deposit-guarantee schemes〔(Deposit Guarantee Schemes ). ''Europa (web portal)''. November 11, 2014. Retrieved February 20, 2015.〕 and protects client deposits up to €100,000 per client.〔Casillas, Cristina (September 15, 2014), ("¿Se abriría un depósito en un banco en Malta para ganar un 3%?" ). ''Inversión & Finanzas''. Retrieved March 16, 2015.〕 It is also a member of the Malta Investor Protection Scheme.〔(Participants in the Investor Compensation Scheme ). ''Depositor Compensation Scheme (Malta)''. July 21, 2014. Retrieved February 25, 2015.〕 Nemea Bank is wholly owned by its parent company Nemea plc. The largest shareholder of Nemea plc is Nevestor SA, a European investment company based in Belgium. The bank is ultimately jointly owned by its founders Heikki Niemelä and Mika Lehto,〔Toivanen, Heikki (March 1, 2014), ("Pankkiiri, Pyhäniemen herra ja Patruunanmäen isäntä" ). ''Savon Sanomat''. Retrieved March 16, 2015.〕 both of whom are Finnish bankers. There are no other interests, financiers, investors or other institutions involved in Nemea Bank〔(Discover Nemea ). ''Nemea Bank''. Retrieved June 4, 2014.〕 On 14 February 2013, Nemea Bank launched its first major deposit products for both retail and business clients. These comprised a collection of short and long term deposit products as well as treasury cash management services for small and medium-sized enterprises.〔("Young Nemea Bank introduces first term deposit products" ). ''The Sunday Times''. February 24, 2013, p. S2. Retrieved March 16, 2015.〕 These products were increased to cover eight term deposit options, ranging from 1 month to 5 years, in July 2014.〔("Nemea, un banco de Malta que ofrece un ¡4% TAE! en sus depósitos" ). ''El Boletin''. September 12, 2014. Retrieved March 16, 2015.〕〔("NemeaBank baja la rentabilidad de sus depósitos contratables desde España" ). ''TuCapital''. February 19, 2015. Retrieved March 16, 2015.〕〔("El banco maltés Nemea Bank comercializa un depósito al 4 % TAE disponible desde España" ). ''El Plural''. March 2, 2015. Retrieved March 16, 2015.〕〔Charlet, Marc (January 31, 2015), ("Epargne à taux fixe: la baisse des taux s’est encore accélérée" ). ''Le Soir''. Retrieved March 16, 2015.〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Nemea Bank」の詳細全文を読む スポンサード リンク
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