{"id":21816,"date":"2026-07-23T10:32:04","date_gmt":"2026-07-23T10:32:04","guid":{"rendered":"https:\/\/hacapartners.com\/lu\/?page_id=21816"},"modified":"2026-07-23T13:03:52","modified_gmt":"2026-07-23T13:03:52","slug":"annual-accounts-for-banks","status":"publish","type":"page","link":"https:\/\/hacapartners.com\/lu\/annual-accounts-for-banks\/","title":{"rendered":"Annual accounts for Banks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"21816\" class=\"elementor elementor-21816\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f18042 e-con-full e-flex pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-parent \" data-id=\"9f18042\" data-element_type=\"container\" data-e-type=\"container\"><div class=\"elementor-element elementor-element-7c5530c e-flex e-con-boxed pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-child \" data-id=\"7c5530c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b78b365 elementor-widget elementor-widget-pxl_heading\" data-id=\"b78b365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-b78b365-6655\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tAnnual accounts for Banks\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-db60cc8 e-flex e-con-boxed pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-parent \" data-id=\"db60cc8\" data-element_type=\"container\" data-e-type=\"container\">\t\t\t<div class=\"e-con-inner\">\r\n\t\t<div class=\"elementor-element elementor-element-0c784bb e-con-full e-flex pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-child \" data-id=\"0c784bb\" data-element_type=\"container\" data-e-type=\"container\"><div class=\"elementor-element elementor-element-98781e4 e-con-full e-flex pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-child \" data-id=\"98781e4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\t\t<div class=\"elementor-element elementor-element-3184eaf elementor-widget elementor-widget-pxl_heading\" data-id=\"3184eaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-3184eaf-7253\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tAudience\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3e5266 elementor-widget elementor-widget-pxl_heading\" data-id=\"a3e5266\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-a3e5266-6818\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tBoard of Directors, Authorized Management, law firms, staff in Accounting department and anyone who wants to expand their knowledge in accounting.\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d30d5b6 elementor-widget elementor-widget-pxl_divider\" data-id=\"d30d5b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-el-divider \" data-wow-delay=\"ms\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e222e17 elementor-widget elementor-widget-pxl_heading\" data-id=\"e222e17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-e222e17-9517\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tTraining Objectives\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac38f95 elementor-widget elementor-widget-pxl_list\" data-id=\"ac38f95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"pxl-list pxl-list1 \">\r\n                            <div class=\"pxl--item  icon-after \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 To understand the annual accounts of a bank in Luxembourg.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item  icon-after \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 To identify the type of business when reading the financial statements.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item  icon-after \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 To understand the Board responsibilities and Governance.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item  icon-after \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 To understand the key differences between different accounting frameworks.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n            <\/div>\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59c00f1 elementor-widget elementor-widget-pxl_divider\" data-id=\"59c00f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-el-divider \" data-wow-delay=\"ms\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d652a18 elementor-widget elementor-widget-pxl_heading\" data-id=\"d652a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-d652a18-9490\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tContent\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-191ace3 elementor-widget elementor-widget-pxl_list\" data-id=\"191ace3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"pxl-list pxl-list1 \">\r\n                            <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Introduction and key concepts.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Annual accounts \u2013 technical foundations.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Key differences between Accounting Frameworks.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Disclosure Requirements in Annual Accounts.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Financial analysis based on annual accounts.\n<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Board responsibilities and Governance.\n<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Board duties and audit requirements.\n<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Key equity movements.\n<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content content-grid\">\r\n                    <label class=\"pxl-empty\"><\/label>\r\n                                            <a class=\"pxl-content\"  > \u2022 Essential financial information beyond annual accounts.<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n            <\/div>\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ad3d35 elementor-widget elementor-widget-pxl_divider\" data-id=\"8ad3d35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"pxl-el-divider \" data-wow-delay=\"ms\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b4b9ef elementor-widget elementor-widget-pxl_heading\" data-id=\"9b4b9ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-9b4b9ef-7649\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tMain Facilitators\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-283d8e3 elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-gs-team-members\" data-id=\"283d8e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gs-team-members.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\n\t\t<div id=\"gs_team_area_79\" data-shortcode-id=\"79\" class=\"wrap gs_team_area gs_team_loading gs-grid-style-four gs_tm_theme_v_2 gs-team--img-efect_none gs-team--img-hover-efect_none\" data-options='{\"search_through_all_fields\":\"off\",\"enable_clear_filters\":\"off\",\"reset_filters_text\":\"Reset Filters\",\"enable_multi_select\":\"off\",\"multi_select_ellipsis\":\"off\",\"next_txt\":\"Next\",\"prev_txt\":\"Prev\",\"carousel_autoplay\":\"on\",\"carousel_autoplay_hover_pause\":\"on\",\"carousel_loop\":\"on\",\"carousel_autoplay_speed\":1000,\"carousel_autoplay_timeout\":2500,\"carousel_items_to_scroll\":1,\"load_per_click\":3,\"initial_items\":6}' style=\"visibility: hidden; opacity: 0;\">\n\t\n\t\t\t\n<!-- Container for Team members -->\n<div class=\"gs-containeer cbp-so-scroller\">\n\n\t\t\n\t<div class=\"gs-roow clearfix gs_team\" >\n\t\n\t\t\n\t\t\t<!-- Start single member -->\n\t\t\t<div class=\"single-member-div gs-col-lg-3 gs-col-md-6 gs-col-sm-6 gs-col-xs-12 single-member-pop cbp-so-section\" >\n\t\t\t\t\n\t\t\t\t<!-- Sehema & Single member wrapper -->\n\t\t\t\t<div class=\"single-member\" itemscope itemtype=\"http:\/\/schema.org\/Person\">\n\n\t\t\t\t\t<span class=\"gs-team-member--zip-codes\" style=\"display:none!important\"><\/span>\t\t\t\t\t\t\n\t\t\t\t\t<!-- Team Image -->\n\t\t\t\t\t<div class=\"gs_team_image__wrapper\">\n\n\t\t\t\t\t\t<!-- Image -->\n\t\t\t\t\t\t<a class=\"gs_team_pop open-popup-link \" data-mfp-src=\"#gs_team_popup_11630_79\" data-theme=\"gs-team-popup--default\" href=\"#\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1024x1024.jpg\" class=\"gs_team_member--image wp-post-image\" alt=\"Cyril Cayez\" itemprop=\"image\" srcset=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1024x1024.jpg 1024w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-300x300.jpg 300w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-150x150.jpg 150w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-768x768.jpg 768w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1536x1536.jpg 1536w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-710x710.jpg 710w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-600x600.jpg 600w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264.jpg 1707w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Overlay -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"gs_team_image__overlay\"><\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Ribbon -->\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<!-- Member Name -->\n\t\t\t\t\t<div class=\"gs_member_info\">\n\n\t\t\t\t\t\t<!-- Member Name -->\n\t\t\t\t\t\t<div class=\"gs-member-name\"><a itemprop=\"name\" class=\"gs_team_pop open-popup-link\" data-mfp-src=\"#gs_team_popup_11630_79\" data-theme=\"gs-team-popup--default\" href=\"#\">Cyril Cayez<\/a><\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Member Designation -->\n\t\t\t\t\t\t<div class=\"gs-member-desig\" itemprop=\"jobTitle\">Managing Partner<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Social Links -->\n\t\t\t\t\t\t<div class=\"single-mem-desc-social\">\n\t\t\t\t\t\t\t\n    <ul class=\"gs-team-social\">\n\n    \n        <li>\n            <a class=\"linkedin\" href=\"https:\/\/www.linkedin.com\/in\/cyril-cayez-184a494\/\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fab fa-linkedin\"><\/i><\/a>        <\/li>\n\n    \n        <li>\n            <a class=\"envelope\" href=\"mailto:ccayez@hacapartners.lu\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fas fa-envelope\"><\/i><\/a>        <\/li>\n\n            \n    <\/ul>\n\n    \n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<!-- Popup -->\n\t\t\t\t\n<div id=\"gs_team_popup_11630_79\" class=\"gs_team_popup_shortcode_79 white-popup mfp-hide mfp-with-anim gs_team_popup default\">\n    <div class=\"mfp-content--container\">\n        \n    <div class=\"gs_team_popup_left__wrapper\">\n    \n                    <div class=\"gs_team_popup_img\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1024x1024.jpg\" class=\"gs_team_member--image wp-post-image\" alt=\"Cyril Cayez\" itemprop=\"image\" srcset=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1024x1024.jpg 1024w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-300x300.jpg 300w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-150x150.jpg 150w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-768x768.jpg 768w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-1536x1536.jpg 1536w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-710x710.jpg 710w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264-600x600.jpg 600w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/Portrait_CCA-3-scaled-e1777036322264.jpg 1707w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>                            <\/div>\n        \n        <!-- Meta Details -->\n        \n<div class=\"gstm-details\">\n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n        \n<\/div>\n\n\n    <\/div>\n\n    <div class=\"gs_team_popup_details gs-tm-sicons\">\n        \n                    <div class=\"\">\n                <h2 class=\"gs-member-name\">Cyril Cayez<\/h2>                            <\/div>\n        \n                    <div class=\"gs-member-desig\" itemprop=\"jobTitle\">Managing Partner<\/div>\n                    \n        <!-- Social Links -->\n        \n    <ul class=\"gs-team-social\">\n\n    \n        <li>\n            <a class=\"linkedin\" href=\"https:\/\/www.linkedin.com\/in\/cyril-cayez-184a494\/\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fab fa-linkedin\"><\/i><\/a>        <\/li>\n\n    \n        <li>\n            <a class=\"envelope\" href=\"mailto:ccayez@hacapartners.lu\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fas fa-envelope\"><\/i><\/a>        <\/li>\n\n            \n    <\/ul>\n\n    \n\n                    <div class=\"gs-member-desc gs-team--scrollbar\" itemprop=\"description\"><p>Member of the IIA, ALCO and ALRIM, Cyril has been\u00a0<strong>serving the Financial Services Industry for more than 19 years of which 14 in Luxembourg<\/strong>\u00a0(Banks, PSF, Management Companies, UCITS and Alternative Funds).<\/p>\n<p>Cyril is a R\u00e9viseur d\u2019Entreprises in Luxembourg since 2010 and gained international experience in Singapore and France.<\/p>\n<p>On top of his background as external audit and advisory Partner, Cyril brings actual experience from Internal Auditor, Risk Manager and Compliance Officer positions.<\/p>\n<\/div>\n                    \n        <!-- Skills -->\n        \n    <\/div>\n\n    <\/div>\n<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\t\t\t<!-- Start single member -->\n\t\t\t<div class=\"single-member-div gs-col-lg-3 gs-col-md-6 gs-col-sm-6 gs-col-xs-12 single-member-pop cbp-so-section\" >\n\t\t\t\t\n\t\t\t\t<!-- Sehema & Single member wrapper -->\n\t\t\t\t<div class=\"single-member\" itemscope itemtype=\"http:\/\/schema.org\/Person\">\n\n\t\t\t\t\t<span class=\"gs-team-member--zip-codes\" style=\"display:none!important\"><\/span>\t\t\t\t\t\t\n\t\t\t\t\t<!-- Team Image -->\n\t\t\t\t\t<div class=\"gs_team_image__wrapper\">\n\n\t\t\t\t\t\t<!-- Image -->\n\t\t\t\t\t\t<a class=\"gs_team_pop open-popup-link \" data-mfp-src=\"#gs_team_popup_11733_79\" data-theme=\"gs-team-popup--default\" href=\"#\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1024x1024.jpg\" class=\"gs_team_member--image wp-post-image\" alt=\"Hortense Lamarre\" itemprop=\"image\" srcset=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1024x1024.jpg 1024w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-300x300.jpg 300w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-150x150.jpg 150w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-768x768.jpg 768w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1536x1536.jpg 1536w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-710x710.jpg 710w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-600x600.jpg 600w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605.jpg 1707w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Overlay -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"gs_team_image__overlay\"><\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Ribbon -->\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<!-- Member Name -->\n\t\t\t\t\t<div class=\"gs_member_info\">\n\n\t\t\t\t\t\t<!-- Member Name -->\n\t\t\t\t\t\t<div class=\"gs-member-name\"><a itemprop=\"name\" class=\"gs_team_pop open-popup-link\" data-mfp-src=\"#gs_team_popup_11733_79\" data-theme=\"gs-team-popup--default\" href=\"#\">Hortense Lamarre<\/a><\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Member Designation -->\n\t\t\t\t\t\t<div class=\"gs-member-desig\" itemprop=\"jobTitle\">Knowledge Management Director<\/div>\t\t\t\t\t\t\n\t\t\t\t\t\t<!-- Social Links -->\n\t\t\t\t\t\t<div class=\"single-mem-desc-social\">\n\t\t\t\t\t\t\t\n    <ul class=\"gs-team-social\">\n\n    \n        <li>\n            <a class=\"linkedin\" href=\"https:\/\/www.linkedin.com\/in\/hortense-lamarre-87206429\/\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fab fa-linkedin\"><\/i><\/a>        <\/li>\n\n    \n        <li>\n            <a class=\"envelope\" href=\"mailto:hlamarre@hacapartners.lu\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fas fa-envelope\"><\/i><\/a>        <\/li>\n\n            \n    <\/ul>\n\n    \n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<!-- Popup -->\n\t\t\t\t\n<div id=\"gs_team_popup_11733_79\" class=\"gs_team_popup_shortcode_79 white-popup mfp-hide mfp-with-anim gs_team_popup default\">\n    <div class=\"mfp-content--container\">\n        \n    <div class=\"gs_team_popup_left__wrapper\">\n    \n                    <div class=\"gs_team_popup_img\">\n                <img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1024x1024.jpg\" class=\"gs_team_member--image wp-post-image\" alt=\"Hortense Lamarre\" itemprop=\"image\" srcset=\"https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1024x1024.jpg 1024w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-300x300.jpg 300w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-150x150.jpg 150w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-768x768.jpg 768w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-1536x1536.jpg 1536w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-710x710.jpg 710w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605-600x600.jpg 600w, https:\/\/hacapartners.com\/lu\/wp-content\/uploads\/sites\/3\/2026\/04\/HD-HACA-S9-Hortense-scaled-e1777036761605.jpg 1707w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>                            <\/div>\n        \n        <!-- Meta Details -->\n        \n<div class=\"gstm-details\">\n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n    \n        \n<\/div>\n\n\n    <\/div>\n\n    <div class=\"gs_team_popup_details gs-tm-sicons\">\n        \n                    <div class=\"\">\n                <h2 class=\"gs-member-name\">Hortense Lamarre<\/h2>                            <\/div>\n        \n                    <div class=\"gs-member-desig\" itemprop=\"jobTitle\">Knowledge Management Director<\/div>\n                    \n        <!-- Social Links -->\n        \n    <ul class=\"gs-team-social\">\n\n    \n        <li>\n            <a class=\"linkedin\" href=\"https:\/\/www.linkedin.com\/in\/hortense-lamarre-87206429\/\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fab fa-linkedin\"><\/i><\/a>        <\/li>\n\n    \n        <li>\n            <a class=\"envelope\" href=\"mailto:hlamarre@hacapartners.lu\" target=\"_blank\" itemprop=\"sameAs\"><i class=\"fas fa-envelope\"><\/i><\/a>        <\/li>\n\n            \n    <\/ul>\n\n    \n\n                    <div class=\"gs-member-desc gs-team--scrollbar\" itemprop=\"description\"><p>Hortense is a Senior finance executive with<strong>\u00a0over 17 years of experience in the banking and audit sectors<\/strong>. She has extensive expertise in regulatory reporting, accounting (LuxGAAP &amp; IFRS), liquidity and risk management, and team leadership.<\/p>\n<p>She has a proven track record in coordinating audits, implementing regulatory frameworks (Basel III, IFRS 9\/16, Anacredit), and delivering strategic financial insights to executive committees and regulators.<\/p>\n<\/div>\n                    \n        <!-- Skills -->\n        \n    <\/div>\n\n    <\/div>\n<\/div>\n\n\t\t\t<\/div>\n\n\t\t\n\t\t\t\n\t\t\n\t\t<!-- Drawer Contents -->\n\t\t\n\t<\/div>\n\n\t<!-- Pagination -->\n\t\n<\/div>\n\n<!-- Panel -->\n\t\n\t\t<\/div>\n\t\t\n\t\t<style>#gs_team_area_79 .gs-member-name,#gs_team_area_79 .gs-member-name a{font-size:16px}#gs_team_area_79 .gs-member-name,#gs_team_area_79 .gs-member-name a{font-weight:600}#gs_team_area_79 .gs-member-name,#gs_team_area_79 .gs-member-name a{color:rgb(1, 54, 76)}#gs_team_area_79 .single-member-div .gs_member_info .gs-member-desc{color:rgb(1, 54, 76)}#gs_team_area_79 .gs-team-filter-cats{text-align:center}.mfp-gsteam .mfp-container .mfp-arrow,.mfp-gsteam .mfp-container .mfp-arrow:hover{background-color:rgb(255, 255, 255)!important}.gs_team_popup_shortcode_79 .gs-team--scrollbar,#gs_team_area_79 .gridder .gridder-show .gs-team--scrollbar{max-height:500px !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7677eed elementor-widget elementor-widget-pxl_heading\" data-id=\"7677eed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-7677eed-5101\" class=\"pxl-heading \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h2 class=\"pxl-item--title  style-default highlight-default \" data-wow-delay=\"ms\">\n\n\t\t<span class=\"pxl-heading--text \">\n\n\t\t\t\t\t\t\tWant to take your skills to the next level?\t\n\t\t\t\t\n\n\t\t<\/span>\n\t\t<\/h2>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c872dd elementor-align-left elementor-widget elementor-widget-pxl_button\" data-id=\"6c872dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-6c872dd-1444\" class=\"pxl-button \" data-wow-delay=\"ms\">\r\n    <a href=\"https:\/\/hacapartners.com\/lu\/form\/hacademy\/\" class=\"btn pxl-action-popup pxl-icon-active btn-block-inline btn-text-nina btn-icon-box pxl-icon--left\" data-anchor=\"https:\/\/hacapartners.com\/lu\/form\/hacademy\/\">\r\n                    <span class=\"pxl--btn-icon\">\r\n                <i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>                            <\/span>\r\n                <span class=\"pxl--btn-text\" data-text=\"Click here to register\">\r\n            <span>C<\/span><span>l<\/span><span>i<\/span><span>c<\/span><span>k<\/span><span class=\"spacer\">&nbsp;<\/span><span>h<\/span><span>e<\/span><span>r<\/span><span>e<\/span><span class=\"spacer\">&nbsp;<\/span><span>t<\/span><span>o<\/span><span class=\"spacer\">&nbsp;<\/span><span>r<\/span><span>e<\/span><span>g<\/span><span>i<\/span><span>s<\/span><span>t<\/span><span>e<\/span><span>r<\/span>        <\/span>\r\n    <\/a>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-42f6d09 e-con-full e-flex pxl-section-overflow-visible pxl-column-none pxl-section-fix-none pxl-bg-color-none e-con e-child \" data-id=\"42f6d09\" data-element_type=\"container\" data-e-type=\"container\"><div class=\"elementor-element elementor-element-fb2e9b5 e-con-full pxl-column-sticky e-flex pxl-section-overflow-visible pxl-section-fix-none pxl-bg-color-none e-con e-child \" data-id=\"fb2e9b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\t\t<div class=\"elementor-element elementor-element-817a168 elementor-widget__width-initial elementor-widget elementor-widget-pxl_list\" data-id=\"817a168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pxl_list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"pxl-list pxl-list1 \">\r\n                            <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Duration<\/label>\r\n                                            <a class=\"pxl-content\"  > 2h<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Date<\/label>\r\n                                            <a class=\"pxl-content\"  > Upon request<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Language<\/label>\r\n                                            <a class=\"pxl-content\"  > English\/French<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Format<\/label>\r\n                                            <a class=\"pxl-content\"  > Hybrid\/ Presential<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Certificate<\/label>\r\n                                            <a class=\"pxl-content\"  > Completion certificate\n<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n                    <div class=\"pxl--item   \" data-wow-delay=\"ms\">\r\n                                                                <div class=\"pxl-item--content \">\r\n                    <label class=\"pxl-empty\">Price<\/label>\r\n                                            <a class=\"pxl-content\"  > \u20ac370 (VAT excl.)<\/a>\r\n                                    <\/div>\r\n\r\n            <\/div>\r\n            <\/div>\r\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Annual accounts for Banks Audience Board of Directors, Authorized Management, law firms, staff in Accounting department and anyone who wants to expand their knowledge in accounting. Training Objectives \u2022 To understand the annual accounts of a bank in Luxembourg. \u2022 To identify the type of business when reading the financial statements. \u2022 To understand the Board responsibilities and Governance. \u2022 To understand the key differences between different accounting frameworks. Content \u2022 Introduction and key concepts. \u2022 Annual accounts \u2013 technical foundations. \u2022 Key differences between Accounting Frameworks. \u2022 Disclosure Requirements in Annual Accounts. \u2022 Financial analysis based on annual accounts. \u2022 Board responsibilities and Governance. \u2022 Board duties and audit requirements. \u2022 Key equity movements. \u2022 Essential financial information beyond annual accounts. Main Facilitators Cyril Cayez Managing Partner Cyril Cayez Managing Partner Member of the IIA, ALCO and ALRIM, Cyril has been\u00a0serving the Financial Services Industry for more than 19 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"folder":[250],"class_list":["post-21816","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"post-thumbnail":false,"floka-portfolio":false},"uagb_author_info":{"display_name":"Sandra Barreda","author_link":"https:\/\/hacapartners.com\/lu\/author\/sbarreda\/"},"uagb_comment_info":0,"uagb_excerpt":"Annual accounts for Banks Audience Board of Directors, Authorized Management, law firms, staff in Accounting department and anyone who wants to expand their knowledge in accounting. Training Objectives \u2022 To understand the annual accounts of a bank in Luxembourg. \u2022 To identify the type of business when reading the financial statements. \u2022 To understand the&hellip;","_links":{"self":[{"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/pages\/21816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/comments?post=21816"}],"version-history":[{"count":20,"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/pages\/21816\/revisions"}],"predecessor-version":[{"id":21875,"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/pages\/21816\/revisions\/21875"}],"wp:attachment":[{"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/media?parent=21816"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/hacapartners.com\/lu\/wp-json\/wp\/v2\/folder?post=21816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}