5 A value composition Iccrea Banking Group is made up of Companies that provide exclusive products and services to 400 BCC- CR (Banche di Credito Cooperativo e Casse Rurali Cooperative Credit Banks Rural Savings Banks) in Italy. Iccrea Group companies provide advanced financial instruments, asset management and pension products, credit solutions for small and medium size enterprises and extraordinary financing. Iccrea Holding, whose capital is held by BCC-CR, controls Iccrea Banking Group companies.
7 Servicing BCC-CR Due to this strong tie, all Group Companies activities are aimed at acknowledging, in every business strategy, features that mark credit cooperation expressed in BCC-CR bonds to the territory and people who live and work in it. The mission of Iccrea Group companies is to support BCC-CRs by enhancing their position on the local market, increasing their efficiency and competitiveness, and maximizing the value they add in promoting local economic development.
9 Cooperative Credit Banks in Italy In Italy, Cooperative Credit came into being at the end of the 19th century, with the creation of the first system of Rural and Artisan Banks (Casse Rurali ed Artigiane), to help its members free themselves from the bonds of poverty and the scourge of usury. Casse Rurali ed Artigiane were created among rural communities to grant more favorable loans, focusing on people and relying on their members self-financing capability. Since then, each Banca di Credito Cooperativo and Cassa Rurale has kept strong and deep ties with their territory, interweaving their history to that of the local community. Credito Cooperativo in numbers: more than 400 Banche di Credito Cooperativo and Casse Rurale more than 4,0000 branches one million members 31,000 co-workers more than 5 million customers
10 Cooperative Credit in the world Cooperative organizations operating worldwide are more than 300 thousand with 170 million members. In Europe, there are more than 4,500 cooperative credit banks, about 60,000 branches and 60 million members. In some EU countries cooperative credit has reached a strong position in national markets. In France, for example, Cooperative groups such as Crédit Agricole and Crédit Mutuel account for almost one third of market deposits and jobs. The same results are registered in Finland with Ponjola Group, that plays a leading role in the Scandinavian economic market. Likewise, the Austrian RZB (Raiffeksen Zentrallbank Osterreich) has created a network of branches in the countries of Central- Eastern Europe. Also in the Netherlands, with Rabobank and in Germany, with DZ Bank and WGZ Bank members of the BVR system (Bundesverband der Deutschen Volksbanken und Raiffeinsenbanken), credit cooperation plays an important role in the entire country and territory where they operate recording constant positive growth. The most important European cooperative credit banking groups are represented by two associations located in Brussels, the European Association of Credit Banks (EACB), which represents and safeguards the entire category in front of the European Institutions, and Unico Banking Group, that promotes multilateral and bilateral cooperation among associated banks, to make banking services more efficient worldwide.
12 Association side Enterprise side Banca More than 400 banks Iccrea Banking Group is composed of Companies that offer exclusive products and services to BCC-CR 15 Local Federationslocali Iccrea Holding is the Parent Company Federcasse nationally associates Local Federations, other Entities and Credito Cooperativo Companies Institutional segment Corporate segment Retail segment Products and services for BCC-CR Products and services for BCC-CR business customers Products and services for BCC-CR private customers
13 Credito Cooperativo In order to retain the advantages linked to their small size, widespread action and roots in the territory, Italian Cooperative Credit Banks (Credito Cooperativo) are structured in a national system focused on two main segments: association and entrepreneurship. The association segment is divided into three areas: local, regional and national. BCC-CR, after their creation, are members of local federations (that represent one or more regions, and whose overall number is 15) that are associated to Federcasse, the national federation that promotes, coordinates and provides technical and auditing assistance to the entire Credito Cooperativo System. The entrepreneurial segment is made up of Iccrea Banking Group, represented by Iccrea Holding, and Subsidiary Companies, that exclusively provide products and services to BCC-CR (Banche Credito e Casse Rurali- Cooperative Credit Banks and Rural Banks). In its broad International Co-operative Lending framework, BCC-CR participates in the UNICO banking Group (through Iccrea Holding) and to the Association of European Co-operative Banks (with Federcasse). Credito Cooperativo, furthermore, participates in the Raiffeisen International Union, a body aimed at spreading cooperative lending in southern countries worldwide, following the lessons of Friedrich Wilhelm Raiffeisen, the founder of cooperative lending.
15 Iccrea Banking Group The current set up of Iccrea Banking Group dates back to 1995, with the creation of Iccrea Holding, the Parent Company holding the majority equities in the companies that joined Iccrea in subsequent years.
16 Iccrea Banca, Iccrea BancaImpresa (at that time known as Banca Agrileasing) and Aureo Gestioni, already operating in the Credito Cooperativo System, have been the first 3 companies to enter Iccrea Holding with their capital. In the following years, in order to create an integrated supply system for Credito Cooperativo Banks capable of meeting their customer needs, other divisions such as insurance and extraordinary finance were established. Apart from Companies dedicated to specific business segments, Iccrea Banking Group supports the market through commercial alliances with important partners. A clear example is the creation of the Crediper and Credipercasa brands in consumer credit and house mortgages market.
17 Offer of Gruppo bancario Iccrea Iccrea Banking Group offer proposition is organized into three business areas, representing the Subsidiary Companies market and partnerships with leading market Companies. The Institutional segment, that gathers all Companies that provide products and services exclusively dedicated to Banche di Credito Cooperativo e Casse Rurali (BCC-CR): Iccrea Banca BCC Gestione Crediti BCC Multimedia BCC Solutions The Corporate segment, made up by the Companies that provide solutions to small and medium enterprises customers of Banche di Credito Cooperativo e Casse Rurali (BCC-CR): Iccrea BancaImpresa BCC Private Equity The Retail segment, made up by Companies that supply products and services to private customers of Banche di Credito Cooperativo e Casse Rurali (BCC-CR): Aureo Gestioni BCC Credito Consumo BCC Vita BCC Assicurazioni
18 Iccrea Holding The creation, in 1995, of Iccrea Holding led to the establishment of Iccrea Banking Group aimed at supporting and spurring Italian Banche di Credito Cooperativo e Casse Rurali to develop, in a sustainable and responsible way, their market shares and competitiveness. A quantum leap.
19 Iccrea Holding monitors, guides and coordinates Iccrea Banking Group Companies to achieve tailored quality products and services, defining business strategies, planning and result monitoring. Iccrea Holding shareholders include Credito Cooperativo and Casse Rurali (BCC-CR), the Italian Federation of BCC-CR (Federcasse), local Federations and other territorial bodies. As Parent Company, Iccrea Holding coordinates Iccrea Banking Group Companies providing an integrated supply system aimed at increasing each Bank s (institutional segment) effectiveness and provide, exclusively for its Credito Cooperativo clientele a range of products and services for small and medium size enterprises (corporate segment) and household saving and insurance (retail segment). The establishment of Iccrea Holding has been the clearest step in the broad reorganization and revitalization of the Credito Cooperativo System, that embraces the entire entrepreneurial activity (represented by product Companies) to respond to the changing needs of cooperative credit banks and providing BCC-CRs tools to successfully operate in their market. Via Lucrezia Romana 41/ Rome Italy t f website:
20 Iccrea Banca ROLE Since 1963, Iccrea Banca is the Central Institute of Credito Cooperativo aimed at improving BCC-CR activities in efficiency and performance, by representing them in institutional and technical fields, acting as ACH and carrying out operational and accounting functions, financial brokerage, intermediation and technical assistance. The right direction. OFFER Iccrea Banca supports and boosts the overall activities of its BCC-CR clients by supporting them in payment services: it regulates domestic and international flows as Bank of Intermediation for its clients, it is direct acquirer and issuer for the Ottomila circuit, identifying the full line of domestic and international debt and credit cards. Iccrea Banca also backs the Banks in their External trade activities. As Central Financial Institute of the Group, it works for the benefit of its client Banks and implements state-of-the-art negotiation and funding techniques, also taking care of regulating and administrating securities and acting as Banca Depositaria e Banca Corrispondente (Custodian and Correspondent Bank). It supports BCC-CRs in the self-evaluation of their assets and in the optimization of their risk/return through advanced ALM (Application Lifecycle Management) services. Via Lucrezia Romana 41/ Rome Italy t f website:
21 BCC GestioneCrediti ROLE Since 2002, BCC Gestione Crediti supports Banche di Credito Cooperativo and Casse Rurali by providing monitoring, managing and recovery services to address problem loans. Each service is characterized by its modularity and adaptability to individual BCC-CR operational and economic needs. An extensive network of success-oriented professionals guarantees high-level service, by advanced information and management system and by an agile and dynamic organization. OFFER BCC Gestione Crediti offers Credito Cooperativo Banks and their customers a broad range of products and services to closely manage problem loans, including monitoring of anomalies in past due loans, extrajudicial activity at each level of Credit classification and the management, including judicial management, and recovery of outstanding credits. These activities are carried out together with the evaluation of each individual credit or entire portfolios (due diligence), the recovery of commercial credit for BCC-CR business customers and support and organization of non-recourse assignment of non-performing debts. Finally, BCC Gestione Crediti proposes the real estate channel to exploit real securities and participate in Real Estate Auctions. Defending your credit value. Piazza Beata Vergine del Carmelo, 4/ Rome Italy t f website:
22 BCC Multimedia ROLE BCC Multimedia enhances and strengthens the efficiency of BCC-CR (Banche di Credito Cooperativo e Casse Rurali), in customer relations and in their social base, in their ability to compete in increasing their market shares. It helps BCC-CRs to satisfy their present customers and supports them in acquiring new ones. It strengthens the link among Iccrea Banking Group Companies, BCC-CRs and other bodies through integrated solutions that improve the Credito Cooperativo network systems. Multi-channels supporting BCC. OFFER BCC Multimedia provides a full range of Multimedia products and services for any BCC-CR, through ICT consultancy services and system integration services, ensuring also the carrying out preliminary feasibility studies and effective project management. BCC Multimedia also develops portals, websites and corporate intranets, online catalogs of products and projects of e-newsletter, supporting also their management. It contributes to the implementation of direct marketing services and contact centre services, Help Desks and PBX and toll free numbers. Via Lucrezia Romana 41/ Rome Italy t f website:
23 BCC Solutions ROLE BCC Solutions was created to facilitate Iccrea Banking Group Companies and Credito Cooperativo Institutions in carrying out their business and institutional activities. Thanks to BCC Solutions, the companies and organizations present in Rome, at the Management Center in Lucrezia Romana, can centralize processes that they previously carried out autonomously, and achieve significant economies of scale by focusing exclusively on the achievement of their objectives. OFFER BCC Solutions offers specific services to the benefit of Credito Cooperativo Companies and Entities in the purchase of goods and services and for a strict compliance with the legislation on safety. It also ensures Information Technology services, Help Desk and LAN services in the Management Center of Rome, by managing their flows for all offices. It also supports Iccrea Banking Group in the implementation of Operational Support Centers, Iccrea Banking Group offices located all across the Italian territory. Taking care of the Group. Via Lucrezia Romana 41/ Rome Italy t f
24 Iccrea BancaImpresa Let s cruise together. ROLE Iccrea BancaImpresa is the corporate bank of Credito Cooperativo, with which it makes more than 90% of the overall developed business. Its mission is to offer advice, services and financial solutions to the business customers. A network of professional and skilled experts in any business areas is on hand to search and offer tailored solutions for entrepreneurial projects. Through a network of 15 branches, 2 representative offices and 1 office in Tunis, Iccrea BancaImpresa is at the customer s disposal with a profiled offer based on SME needs. OFFER Iccrea BancaImpresa oversees all the leasing sectors. With the Real Estate services and financing products it supports both commercial and agricultural development projects of the business customers, and it upholds entrepreneurs with services and advice in the field of corporate finance and, regarding the foreign business relations, it supports import/ export and internationalization processes. Through its subsidiary companies, BCC Factoring and BCC Lease, it provides operational factoring and leasing. It completes the offer with coverage derivatives, insurance and facilitated leasing. Via Lucrezia Romana 41/ Rome Italy t f website:
25 BCC Private Equity ROLE BCC Private Equity performs capital investment activities for companies to enhance their business activities and, if necessary strengthens their reorganization processes. Founded in 2003 BCC Private Equity with the objective of extending the Group s corporate offer, it manages its closed-end real estate investment funds to support small and medium enterprises. OFFER BCC Private Equity funds prefer capital investment operations, both minority and majority holding, in Development Capital, in companies undergoing a development phase, in Buy-Out/ In or Replacement Capital, in mature companies or companies in a consolidation phase. BCC Private Equity manages three funds: Bcc Private Equity 1, Dominato Leonense, MC2 Impresa. An active partner in enterprise growth. Via Giuseppe Revere, Milan Italy t f
26 Aureo Gestioni ROLE Aureo Gestioni, founded in 1984, offers a professional, transparent and regulated investment management, with products and services covering the full range of asset management, to meet all the requirements of BCC-CR clientele. Its products are distributed all across the national territory through Credito Cooperativo Banks. Cultivating your interests. OFFER Aureo Gestioni offers 10 mutual funds and 4 multi-manager funds subject to the Italian law, an ethical fund, a pension fund consisting of 4 different sectors and a family of assets administration services with ethical fund a pension fund with 8 investment lines. Thanks to a state-of-the-art platform it provides 600 investment lines in 10 SICAV. Via Giuseppe Revere, Milan Italy t f Customer center: website:
27 BCC Credito Consumo ROLE BCC Credito Consumo is a Company that emerged to meet the family needs of Banche di Credito Cooperativo e Casse Rurali customers. It designs, develops and implements solutions for accessible and customized funding, granting loans in a clear, responsible and transparent way by favoring customers conscious approach. Through specialized services and processes and a customized range of products, the Company supports BCC-CRs in their household segment, addressing risks and providing quick response, to help strengthen BCC-CR territorial links. OFFER Within Crediper brand, that provides credit solutions for BCC-CR private customers credit, BCC Credito Consumo offers dedicated funding to families, and benefits from the partnership with an industrial market leader. Products marketed by BCC Credito Consumo through Crediper range from personal loans to top up accounts, revolving cards and loans on one s wages. Conscious credit gains momentum. Via Lucrezia Romana 41/ Rome Italy website:
28 BCC Vita e BCC Assicurazioni ROLE BCC Vita and BCC Assicurazioni are the life and claims insurance companies created within Credito Cooperativo that provide products and services exclusively through the Banche di Credito Cooperativo branch network. Companies that are backed by partnership with Cattolica Assicurazioni offer BCC customers an integrated offer in the insurance field, meeting the specific needs of the System and exploiting synergies with other Companies that are part of the Iccrea Banking Group. Tailored tranquility. OFFER BCC vita and BCC Assicurazioni offer Credito Cooperativo customers a broad range of insurance products and policies, capable of meeting needs for protection, investments, safety and safeguard. Aimed at adding value to ones assets with safe solutions, protecting houses, automobiles, health care, private life and other aspects of everyday living to increase Banche di Credito Cooperativo s customers tranquility of today and tomorrow. Via Carlo Esterle, Milan Italy t f website: Via Carlo Esterle, Milan Italy t f website:
30 For further information: A project of Iccrea Holding Corporate Communications Communication design and graphic project: KalEidon, Italy
32 Design della comunicazione: - Fotografie: Caterina Fattori - Stampata su carta riciclata Freelife Vellum Via Lucrezia Romana, 41/ Roma t f
PRESS RELEASE START OF THE BANKING & INSURANCE PARTNERSHIP BETWEEN THE CATTOLICA AND BANCA POPOLARE DI VICENZA GROUPS Signature today of a memorandum of understanding for a long-term business partnership
Company Profile Trento I 05.2015 CASSA CENTRALE BANCA The main goal of the activities of Cassa Centrale Banca Group is to SUPPORT the operations of its partecipants and partner Banks (Cooperative Banks):
Paris, 3 February 2006 PRESS RELEASE BNP Paribas announces intent to acquire BNL BNL would become a key part of a global banking group with an outstanding European base and two home markets. BNP Paribas,
Co-operative Banking in Trentino and in Italy Trento, October 13 th 2009 Dott. Vincenzo Visetti Chief of Secretary TRENTINO FEDERATION OF CO-OPERATIVES Co-operative Banks System of autonomous banks Local
PRESS RELEASE BANCA SISTEMA: NET INCOME +36% IN H1 2015 1 Rising factoring turnover: +36% % in H1 2015 compared with H1 2014 +37% in Q2 2015 compared with Q2 2014 Net interest income up by 20% compared
We endeavor to maximize returns. Ayşegül Özel Yapı Kredi Bankası Private Banking Portfolio Manager Erdoğan Yücel Yapı Kredi Emeklilik Sales Manager FInance 4 th largest private bank (asset size) Leader
1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates
Table of contents Strategic Planning and Organizational Structure Standard 1. General provisions Grounds for application of the Standard Provisions of the Standard 2. Contents of the Standard 3. Corporate
Carige s project: history and results The The 2005-2007 Business Plan Plan The adoption of IAS and 1H 2005 results Carige share performance -1- Future evolution Independence through growth 1990-1998 1999-2003
4 th Q. 2008 Highlights The factoring market and group positioning Strategies Consolidated financial and economic data Attachments The Credit Crunch : impact on Banca IFIS s activity The consequences for
Introduction to mbank Group The most successful organic growth story in Poland August 2015 mbank Group in a snapshot General description Key financial data (PLN M) Set up in 1986, mbank (originally BRE
Crédit Agricole Asset Management Nextra: An ambitious European project in the Asset Management Industry Press conference, Milan, January 10 th, 2006 Content Rationale of the deal Description of the transaction
PRESS RELEASE of CREDEM GROUP: FY2002 consolidated net profit up to 109.5 million (+2%). Total income up by +4.6% to 800 million. Customer deposits and assets: net inflow in 2002 of some 4 billion. Total
ITALIAN INSURANCE IN FIGURES Year 2015 The Italian insurance industry gives a significant contribution to the economy and to the society, offering a wide range of services aiming at risk protection: from
Business and Financial Highlights Nine Months Ended December 31, 214 Shinsei Bank, Limited January 215 Table of Contents Q3 FY214 Results: Key Points ------------------------------------------ Q3 FY214
ASF: The French Association of Specialised Finance Companies Created under the regulatory framework of the banking act of 24 January 1984, the ASF (the French Association of Specialised Finance Companies)
1 st Annual Greek Roadshow London, September 20-21, 21, 2006 History - Profile 1925 1964 1997 2001 2003 Founding Year Part of Emporiki Bank Group, Initial Public Offering (ASE) Major change in Shareholders
CONSULTATION ON PROMOTING SOCIAL INVESTMENT FUNDS AS PART OF THE SOCIAL BUSINESS INITIATIVE European Commission s Consultation Response by RESEAU FINANCEMENT ALTERNATIF Chaussée d'alsemberg 303-309 1190
sabanc hold ng 2007 annual report 32 Financial Services AKBANK As of the end of 2007, Akbank was Turkey's most valuable bank having the most profitable banking operations among privately owned banks in
BANCA CR FIRENZE Annual Report 2003 Limited Liability Company Registered Office and Headquarters in Florence Share Capital 8 620,422,859.49 fully paid Reserves 8 255,956,237.64 Register of Companies, Fiscal
FACTORIT S.p.A. SOCIETA DI FACTORING DELLE BANCHE POPOLARI ITALIANE FINANCIAL STATEMENTS AT 31 DECEMBER, 2001 2 FACTORIT S.p.A. Balance sheets as at 31 December, 2001 and 2000 (in Lire/million) Notes Assets
Board of Directors Report Corporate Profile Board of Directors Report In 1999, OOO Raiffeisenbank Austria performed impressively in the challenging Russian financial environment. As the Russian economy
Life Bancassurance in Europe: Protection-Related Life Insurance Report Prospectus November 2011 Finaccord, 2011 Web: www.finaccord.com. E-mail: firstname.lastname@example.org 1 Prospectus contents Page What is the
Definition of Public Interest Entities (PIEs) in Europe FEE Survey October 2014 This document has been prepared by FEE to the best of its knowledge and ability to ensure that it is accurate and complete.
THE FIRM Profile Founded in Pesaro in 1974 by Achille Marchionni, the firm evolved throughout the 1980s, becoming Marchionni & Partners after a decade of professional partnership. In addition to the founder,
JAN LIDÉN S ADDRESS TO FÖRENINGSSPARBANKEN S ANNUAL GENERAL MEETING IN STOCKHOLM APRIL 21, 2005 Dear shareholders, ladies and gentlemen, FöreningsSparbanken is currently the most profitable bank in the
Introduction to the Firm FIRM PROFILE MTEA is an integrated tax, corporate, administrative and business consulting firm oriented to domestic clients as well as to international clients establishing business
Associazione Italiana del credito al consumo e immobiliare NOTE: Sources and definitions are provided in the accompanying supplemental document Italian economic context 2013 2014 Population 1 (millions
FEDERAL RESERVE SYSTEM Banca di Roma, S.p.A. Rome, Italy Order Approving Establishment of Branches and an Agency Banca di Roma, S.p.A. ( Bank ), Rome, Italy (formerly known as Minghetti Finanziaria, S.p.A.
ACCOUNTING SERVICES An integrated management of administrative-accounting processes Outsourcing, compliance, solutions for enterprises kpmg.com/it Outsourcing unleashes growth Unforeseen changes in the
BANKING AND INSURANCE As the leading banking and insurance group in Turkey, we are the key thanks to our customer-oriented approach, strong financial structure, and millions of active customers. As Yapı
Overview of the microcredit sector in the European Union 2010-11 Summary For the first time the EMN Overview survey covered Non-EU member states including all potential EU candidate states. A special emphasis
PRESS RELEASE BANCA SISTEMA GROWING ACROSS ALL BUSINESS LINES WITH A NET INCOME UP BY 21% YoY 1 Business performance Factoring: turnover +20% yoy and growing customer base from 124 in 2014 to 294 in 2015
QUARTERLY FINANCIAL ACCOUNTS NORGES BANK I. INTRODUCTION Statistics Norway published the first set of annual financial balance sheets in 1957. The accounts recorded the stocks of financial assets and liabilities
SAMPLE QUESTIONS The following 30 questions are drawn from the Claritas supplemental study materials. The format and difficulty level are similar to what candidates experience on the live Claritas examination.
Press release WGZ BANK copes with fallout from sovereign debt crisis WGZ BANK's 2011 operating profit is second highest in its history Negative impact of European sovereign debt crisis is completely absorbed
BANCOLOMBIA S.A. (NYSE: CIB; BVC: BCOLOMBIA, PFBCOLOM) REPORTS CONSOLIDATED NET INCOME OF COP 1,879 BILLION FOR 2014, AN INCREASE OF 24% COMPARED TO 2013. Operating income increased 23.8% during 2014 and
A new way to gain competitive advantage in motor business UBS Italian Financial Services Conference 2007 Competing for sustainable returns Milan, February 2nd 2007 1 Agenda The strategic scenario The joint-venture
University meets Microfinance Do our clients grow? - Microfinance vs. SME Finance July 2012 Definition(s) of MSME Definitions vary greatly between countries, financial regulators and financial institutions.
Presentation Brussels May, 2012 1 Executive summary Deminor and NPEX have joined forces to develop a highly efficient trading platform for distressed securities Holders of distressed securities now have
CNP Assurances signs a longterm strategic partnership in insurance in Europe with Banco Santander 0 th July 04 Disclaimer «Some of the statements contained in this document may be forward-looking statements
INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.
Risk Management Risk Control The ORIX Group allocates management resources by taking into account Group-wide risk preference based on management strategies and the strategy of individual business units.
Assicurazioni Generali Group Sal Oppenheim 2006 3 rd European Financials Conference Mel Carvill - Deputy General Manager, Head of Enterprise Risk Management, Strategic Planning and Corporate Finance March
Milan, 25 June 2013 European Commission B- 1049 Brussel EU Identification Number 89046007765-76 Prot. N. 273 /2013 email@example.com Reply to the European Commission on
Bank of Ireland US Branch Resolution Plan Public Version December 2013 BOI Group Classification: Green - Public Table of Contents 1. Introduction... 2 2. Name of material entities... 2 3. Core operations
UNIPOL GRUPPO FINANZIARIO UBS The Italian Financial Services Conference 2010 Unipol Gruppo Finanziario Bancassurance Strategy 21 January 2010 Carlo Cimbri, General Manager Agenda The Bancassurance scenario
Annals of the University of Petroşani, Economics, 11(3), 2011, 15-22 15 THE EVOLUTION AND THE FUTURE ROLE OF THE BRANCH IN DISTRIBUTION OF THE BANKING PRODUCTS AND SERVICES CĂTĂLIN NICOLAE BULGĂREA * ABSTRACT:
322 Information pursuant to Art. 149k of the Consob s Regulations on Issuers This table reports the 2011 fees due for the auditing and other than auditing services provided by the Audit firm or by other
Presentation of consolidated results as at 30 June 2014 Carlo Cimbri CEO Bologna, 6 August 2014 Unipol Group key operations Consolidated results Insurance business Non-Life insurance business Agenda Life
NUMBER 16 FEBRUARY 216 Economic activity and employment Foreign trade and competitiveness Inflation Credit The Public Finances Macroeconomic projections 1 7 8 11 12 Directorate general for economics, statistics
Restoring Financing and Growth To Europe s SMEs Jeffrey Anderson Senior Director for European Affairs (formerly) 1. Introduction & Report Focus 2. SMEs in Europe 3. Main Findings 4. Four sets of Impediments
The Italian case study: the largest retail bond market in Europe Alberto Mancuso, Global Head of Sales & Distribution Banca IMI - Intesa Sanpaolo Group Agenda 1 Historical evolution of italian household
No. 1467-/01/26/2016 To: FINANCIAL SUPERVISORY AUTHORITY- Financial instruments and investments sector BUCHAREST STOCK EXCHANGE Ref: Current report on the Biding Subscription notice from Nextebank to subscribe
Santander BanCorp Press release For more information contact: Puerto Rico New York José González de Castejón (787) 759-9094 Ana Calvo de Luis (212) 350-3903 Margie Alvarez (787) 250-3025 SANTANDER BANCORP
Giulio Fezzi - Chief Financial Officer and IR Manager Andrea Battista - General Manager Duomo Assicurazioni and IR Borsa Italiana Italian Investor Conference 2006 : Strategy and Results New York, 3-4 April
Methorios Capital Small Cap Conference Milan, 29th November 2012 Borsa Italiana Palazzo Mezzanotte 11.30 Room Gialla 2 Methorios Capital Group Business overview Key Numbers & Strategies 3 3 Overview Methorios
Consolidated Results Presentation Second quarter, 2015 Índice general KEY QUARTERLY HIGHLIGHTS MOST SIGNIFICANT FIGURES RESULTS BUSINESS BRANCHES AND EMPLOYEES RISK MANAGEMENT LIQUIDITY CAPITAL PERSPECTIVES
CASE STORY ON GENDER DIMENSION OF AID FOR TRADE Banking on Women Pays Off: Creating Opportunities for Women Entrepreneurs Banking on Women Pays Off Creating Opportunities for Women Entrepreneurs International
Funding Measures CMB Issuance in Hungary Presentation by Rita Mayer, Director FHB Land Credit and Mortgage Bank 5 December 2002 Content I. Introduction II. Mortgage Banking in Hungary III. The Hungarian
NUMBER 99 JULY 21 ECONOMIC ACTIVITY AND EMPLOYMENT FOREIGN TRADE AND COMPETITIVENESS INFLATION CREDIT THE PUBLIC FINANCES MACROECONOMIC PROJECTIONS 1 7 8 11 12 Directorate general for economics, statistics
Cassa di Risparmio di Genova e Imperia Italian Large and Mid Cap Conference 2007 Paris, 24 May 2007 Giacomo Burro, CFO -1- Agenda Carige Group Overview Italian Large and Mid Cap Conference 2007 Strategic
Sources of Funds: Equity and Debt The Secrets to Successful Financing 1. Choosing the right sources of capital is a decision that will influence a company for a lifetime. 2. The money is out there; the
Rapporto sulla Stabilità Finanziaria Novembre 2013 Fabio Panetta Member of the Governing Board - Banca d Italia Milano, Università Bocconi - 18 Novembre 2013 Outline of the Presentation o The macroeconomic
Presentation of consolidated results as at 31 March 2014 Carlo Cimbri CEO Bologna, 15 May 2014 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking
Press Kit May 2014 SAREB, THE KEY TO CLEANING UP SPANISH BANKS BALANCE SHEETS The Management Company for Assets Arising from the Banking Sector Reorganisation (Sareb) is a private company which was created
The Canada Life Assurance Company 2007 ANNUAL REPORT CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION This report contains some forward-looking statements about the Company, including its business
FITCH DOWNGRADES RABOBANK TO 'AA-'; OUTLOOK NEGATIVE Fitch Ratings-Paris/London-21 November 2013: Fitch Ratings has downgraded Rabobank Group's (Rabobank) Long-term Issuer Default Rating (IDR) to 'AA-'
Russell Tax Exempt High Yield Bond Fund Money Manager and Russell Overview November 2015 Russell s investment approach Russell uses a multi-asset approach to investing, combining asset allocation, manager
Joint-stock Company supporting the capitalization and restructuring of Italian firms Brief profile May, 2015 Introduction The Italian Government has recently issued a Law Decree N. 3 of 24 January 2015
UFJ Holdings, Inc. The 5 th Japanese Financial Service Conference October 8, 2003 - Table of Contents - Management Reform Initiatives ---------------- 2 - Progress on Group Integration ----------------
June 5, 2008 Flow of Funds Accounts of the United States Annual Flows and Outstandings 2005-2007 Board of Governors of the Federal Reserve System, Washington D.C. 20551 Table of Contents Flows Levels Title
Company Profile 1 Index The Company Expansion process Opportunities created by Basilea 2 Operability: the way we approach Our services Existing conventions and new ones in activation phases 2 The Company
ELEFTHO : Supporting Business Incubators & technology parks. Region of Central Macedonia Task Page 1 of 14 Contents Description of policy... 3 Name of the policy... 3 Responsible body... 3 Implementation
ing System in the Czech Republic BIVŠ 17. 3. 2014 http://petr.kielar.cz/download Overview History Double-stage banking system Czech National s Special kinds of banks Deposit Insurance Fund Credit Registers
FHLBanks: The Basics For more information, visit www.fhlbanks.com. The Federal Home Loan Banks (FHLBanks) are 11 private, wholesale banks regionally based throughout the U.S. They are cooperatively owned
Overview of a Plan for Revitalization of Sound Management December, 2011 Sumitomo Mitsui Trust Holdings, Inc. The Management Integration On April 1, 2011, Chuo Mitsui Trust Holdings, Inc. (the former CMTH
7 May 2014 HSBC BANK CANADA FIRST QUARTER 2014 RESULTS Profit before income tax expense for the quarter ended 2014 was C$233m, a decrease of 13.4% compared with the same period in and broadly unchanged
2ASSETS Assets held by life insurers back the companies life, annuity, and health liabilities. Accumulating these assets via the collection of premiums from policyholders and earnings on investments provides
Consolidated Financial Summary (For the fiscal year 2002 ended March 31, 2003) May 22, 2003 Name of Company: Taiyo Life Insurance Company Stock Listing: Tokyo Security Code No.: 8796 Head Office: Tokyo,
Traditional Financing This session explores the traditional financing options that are available to allow you to build value in your business while you prepare for your exit 1 Agenda Benefits of Debt Types
Results for the interim period of the year ending March 31, The Asahi Bank, Ltd. 1. Strong earnings base : Net operating profit exceeded forecast issued at the beginning of the period Sharp focus on domestic
Now, I would like to start the financial results presentation of our group for the six months ended September 2012. As usual, I will go over the presentation material, followed by Q&A. Please turn to page
Ministry Of Finance VAT Department VAT Guidance for Financial Services Version 4: June 09, 2015 Introduction This guide is intended to provide businesses offering financial services with information about