IBM products are warranted according to the terms and conditions of the agreements under which they are provided. These financial statements include: The decisions you make in this step will lay the groundwork for how your business operates going forward. Please read our website and email Terms and Conditions before using our website or contacting us by email. The legal structure you decide on will determine the steps you need to take to register the company, as well as the tax and accounting procedures you will have to follow. More concretely, this means: Each municipality commune has a zoning plan that specifies which plots can be used for what purposes.

Plan de financement File size: We worked directly with a team of experts from the IBM Software Group who were very knowledgeable and always able to answer our questions. Unicible is the largest banking solution IT provider in Suisse romande, and the transfer includes about staff. Where will the company be based? Could your market be disrupted by new technology?

InSIX Interbank Clearing Ltd, the organization that performs all domestic and international payment processing on behalf of the Swiss National Bank, committed to bringing its payment transfer system in line with ISOa major overhaul of the year-old national standard.

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Banque Cantonale Vaudoise | IBM

Do you plan to take out a loan? Sole plqn are not required to have accident insurance. Companies that provide their employees with technical or scientific training can receive financial assistance. Protecting your intellectual property If your business is based on an original idea, you will want to make sure that nobody copies it.


Do you have the requisite business skills?

That will involve preparing an inventory and balance sheet when you first start out, and then preparing an inventory, balance sheet and income statement at the end of each fiscal year.

What suppliers do you know you could count on to stick by your side?

business plan banque cantonale vaudoise

Do you plan to take out a loan? With more people choosing digital payments over cash and governing bodies changing regulations to keep pace with that change, it can be difficult to keep up. The normal rate of 7. Example of a cash-flow projection. It also serves as a calling card that shows how serious you are about making your vision a reality.

The bank has plans to move functions that are currently executed in its core banking system to the platform. These calculations will be the bznque of your business plan. Anticipating needs and opportunities Based on your cash position, you can think ahead about: To comply with regulations, we knew we would need to make significant changes to our payment processing infrastructure.

Cantonald the time do your research and be as objective as possible. The different types of legal structures available in Switzerland are set forth in the Swiss Code of Obligations.

The following table compares the main features of each one:. What customer segmentation will you use such as by location, age, disposable income, or other criteria? Vacation dates must cantonaale approved by the employer and include at least two consecutive weeks.

The projected income statement shows how you expect your company’s revenues and expenses — and thus its overall performance — to change over time. When it comes to starting a business, the person behind the idea is just as important as the idea.


Turning your business plan into a business | BCV – Banque Cantonale Vaudoise

Sole proprietors may voluntarily choose to contribute to an occupational pension plan. Canttonale will have to decide which marketing channels will be most effective in getting the word out about your product or service — while staying within your budget.

Sole proprietors are required to contribute according to the level of their salary that is subject to social-security contributions the salary level is capped at CHFper year. And are you ready to make the necessary sacrifices? Employers must provide all employees with insurance for accidents in the workplace.

Banque Cantonale Vaudoise

Where will the company be based? All financial institutions participating in the Swiss interbank payment systems must adopt the global ISO message standard by There are some legal rules you have to follow when selecting a name for your company.

The purpose of VAT is to tax end consumption. Incorporated companies have their own legal personality; their assets are completely separate from those of the owners. Your pricing policy is very important since it will have a direct impact on your company’s profitability. If you hire staff, you will have to become familiar with the part of Swiss law applicable to employment contracts.

business plan banque cantonale vaudoise