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Marketing communications mix consists of eight major modes of communication – advertising, direct marketing, events and experiences, interactive marketing, personal selling, public relations and publicity, sales promotion, and word-of-mouth marketing – but a fully integrated communications mix also includes email marketing, partnerships / promotions, and social media. The most powerful touch-points are Internet, mobile phones, social media, and TV. Innovative media such as interactive video, mobile development...

The paper presents the significant aspects of the interest rate, considering that it performs an important function in the banking system. Taking in the consideration that money represents the blood that supplies the system, the interest constitutes the way in which it develops. The interest rate is the main item in relation to which the interest is calculated. There are presented and analyzed the interest rates charged by the credit institutions at: term deposits in lei, term deposits in euros, deposits in lei on...