Italian Leader with a European Scale

Size: px
Start display at page:

Download "Italian Leader with a European Scale"

Transcription

1 Italian Leader with a European Scale Updated as at December 200

2 The history of Intesa Sanpaolo

3 Italian banking leader of European scale The Leader in Italy Leader in all segments with a market share of 6% in customer loans and 7% in customer deposits Leadership in most attractive products Strong capital base and best in class asset quality Unique Customer Reach Largest domestic network: approximately 5,900 branches, 7% () market share and.3 million clients Best branch footprint making the Group truly nationwide: market share > 5% () in 4 regions out of 20 High penetration of local markets: market share > 5% () in all 0 provinces Particular strength in the wealthiest areas of Italy: strong retail presence covering more than 70% of Italian household wealth Strategic International Presence Selected retail banking presence in Central and Eastern Europe and in the Mediterranean Basin reaching 8.6 million clients in 3 countries through approximately,800 branches International network with a presence in 29 countries to support cross-border activities of corporate customers Figures as at 30 September 200 () Bank of Italy criteria, figures as at 30 June 200 3

4 A partner for growth Clients A true local bank in all Italian regions with unrivalled retail presence Enhanced product and service offering as result of new investments in technology and product innovation Even more competitive pricing for clients in some products thanks to cost efficiencies Shareholders Modern governance rules ensuring fair representation of all Shareholders and effective management Value creation for shareholders Dividend policy consistent with a solid capital base Professional growth opportunities for all employees Employees Stimulating and transparent environment where merit is rewarded Creation of an industry leader, able to attract and retain talent Society and Environment An important growth engine for the countries where the Group operates, particularly Italy, able to promote infrastructure development initiatives and the main business projects of Italian corporates at home and abroad Great attention to the specific needs of all segments of society and promotion of financial inclusion (i.e. immigrants, young people, Non-profit Entities, etc.) Strong commitment to environment protection and to strengthening of sustainable local community development 4

5 The Group at a glance: Financial Highlights Total Assets euro 677,378 m Loans to Customers euro 378,832 m Direct Customer Deposits euro 434,833 m Shareholders Equity () euro 52,978 m Intesa Sanpaolo ~9.9 million Customers 7,669 Branches ~.3 million in Italy ~ 8.6 million abroad 5,877 in Italy,792 abroad 9M0 Net Income euro 2,200 m Market Capitalisation (2) euro 25.3 bn Figures as at 30 September 200 () Including Net Income (2) As at 30 November 200 5

6 The Group at a glance: Ratings Fitch Ratings Long-term Short-term Individual Support Outlook AA- F+ B Stable Moody s Long-term Short-term Financial strength Outlook Aa2 P- B- Stable (*) Standard & Poor s Long-term Short-term Outlook A+ A- Stable (*) Stable outlook on debt and negative outlook on Financial strength 6

7 Leadership in Italy built on long-standing relationships with customers RANKING IN ITALY Debt Capital Market 3.4% Loans 6.0% Deposits 6.7% Pension Funds () 23.2% Bancassurance (2) Asset Management (3) 25.3% 25.7% Factoring 26.2% Figures as at 30 September 200 () Figures as at 30 June 200 (2) New business (3) Mutual funds 7

8 European scale EUROZONE RANKING BANKS MARKET CAPITALISATION (euro bn) Source: Bloomberg Prices as at 30 November 200 HSBC Santander BNP Paribas Sberbank Lloyds Banking Group Royal B. of Scotland Standard Chartered UBS Barclays Deutsche Bank Credit Suisse BBVA Nordea Bank UniCredit Société Générale ING Intesa Sanpaolo Crédit Agricole Turkiye Garanti Bankasi Akbank

9 Corporate Governance: Supervisory Board Supervisory Board Giovanni Bazoli Chairman Mario Bertolissi (*) Deputy Chairman () Elsa Fornero Deputy Chairwoman () Luigi Arturo Bianchi (*) Member () Rosalba Casiraghi (*) Member Franco Dalla Sega Member Gianluca Ferrero Member Jean-Paul Fitoussi (*) Member () Pietro Garibaldi Member () Giulio Stefano Lubatti Member Marco Mangiagalli (*) Member () Gianni Marchesini (*) Member () Fabio Pasquini Member Gianluca Ponzellini (*) Member Gianguido Sacchi Morsiani (*) Member () Marco Spadacini Member Ferdinando Targetti Member () Livio Torio Member Riccardo Varaldo (*) Member () Nomination Committee ( ** ) Giovanni Bazoli Chairman Mario Bertolissi Member () Elsa Fornero Member () Pietro Garibaldi Member () Riccardo Varaldo Member () Remuneration Committee ( ** ) Gianluca Ponzellini Chairman Marco Mangiagalli Member () Fabio Pasquini Member Control Committee ( ** ) Giulio Stefano Lubatti Chairman Rosalba Casiraghi Member Pietro Garibaldi Member () Gianluca Ponzellini Member Livio Torio Member Strategy Committee ( ** ) Giovanni Bazoli Chairman Mario Bertolissi Member () Gianluca Ferrero Member Elsa Fornero Member () Ferdinando Targetti Member () Financial Statements Committee ( ** ) Marco Spadacini Chairman Luigi Arturo Bianchi Member () Jean-Paul Fitoussi Member () Gianni Marchesini Member () Gianguido Sacchi Morsiani Member () Data as at 26 November 200 (*) Representative of a Minority List (**) Established within the Supervisory Board (***) Alternate member: Fabio Pasquini () Independence requirements as set forth by the Corporate Governance Code (2) Enrolment with the Register of Auditors and Practice in the legal auditing of accounts Related party transactions Committee ( ** ) ( *** ) Franco Dalla Sega Chairman Rosalba Casiraghi Member Marco Mangiagalli Member () 9

10 Corporate Governance: Management Board Management Board Business Plan and Extraordinary transactions Commission ( *** ) Andrea Beltratti (*) Chairman Marcello Sala (**) Senior Deputy Chairman Giovanni Costa (**) Deputy Chairman Corrado Passera Managing Director and CEO Aureliano Benedetti Member Paolo Campaioli (**) Member Elio Catania (*) Member Roberto Firpo (**) Member Emilio Ottolenghi (**) Member Marcello Sala Coordinator Executive member Giovanni Costa Executive member Emilio Ottolenghi Executive member Capital Adequacy and Financial Statements Commission ( *** ) Giovanni Costa Marcello Sala Roberto Firpo Coordinator Executive member Executive member Executive member Lending and Risks Commission ( *** ) Paolo Campaioli Emilio Ottolenghi Roberto Firpo Coordinator Executive member Executive member Executive member Data as at 4 May 200 (*) Independent Board member in accordance with Article 48 of Consolidated Law on Finance (**) Executive Board member (***) Established within the Management Board 0

11 A customer-oriented organisation Parent Company s Organisational Units Managing Director and CEO Subsidiaries Corrado Passera Head Office Departments Public Finance Banca Infrastrutture Innovazione e Sviluppo Mario Ciaccia Corporate and Investment Banking Division Gaetano Miccichè (GM) Banca dei Territori Division (*) Marco Morelli (GM Deputy to the CEO) International Subsidiary Banks Division Giovanni Boccolini Eurizon Capital Mauro Micillo Banca Fideuram Matteo Colafrancesco (*) Domestic Commercial Banking

12 Head Office Departments (*) Organisation and Security ( ) Chief Operating Officer () ICT Systems ( ) Head Office Operations ( ) Pier Luigi Curcuruto Network Operations ( ) Real Estate and Procurement ( ) Chief Financial Officer (2) Treasury Planning and Control Carlo Messina Administration and Tax Chief Lending Officer (4) Lending Decisions Eugenio Rossetti Non-performing Loans Loan Recovery Chief Risk Officer (5) Compliance Bruno Picca Legal Affairs Risk Management Human Resources Corporate Affairs External Relations Internal Auditing (6) Salvatore Poloni Silvio Fraternali Enrico Bagnasco Cesare Giuseppe Melotti Luca Tedesi Luca Tedesi Stefano Del Punta Lucia Ariano (a.i.) Ernesto Riva (3) Luigi Aricò Lucia Ariano Claudio Battistella Stefano Marchetti Piero Boccassino Elisabetta Lunati Davide Alfonsi Marco Vernieri Piero Marco Luongo Vernieri Vittorio Meloni Renato Dalla Riva (*) Staff Units reporting to the Managing Director and CEO: Secretariat of the Managing Director and CEO (S. Firpo), Corporate Social Responsibility (V. Serrentino), International Regulatory and Antitrust Affairs (A. Perrazzelli), Laboratorio Banca e Società (M. Morganti), Strategic Operations and Special Projects (G. Gilli), Safety (R. Zani). Reporting to the Supervisory Board: General Secretariat of the Supervisory Board (P. Grandi). Reporting to the Chairman of the Management Board: Secretariat of the Chairman of the Management Board (G. Paladino) ( ) Intesa Sanpaolo Group Services () Also reporting to the COO, within Intesa Sanpaolo Group Services: Contact Unit (V. Fenili), Staff Management (S. Marconi), Administration and Control (A.Chioatto), Simplification and Innovation (A. Costantini) (2) Also reporting to the CFO: Investor Relations (A. Tamagnini), Rating Agencies (M. Delfrate), Research (G. De Felice), Active Value Management and Strategies (N. Fioravanti), Capital Budget and Cost Control (A. Chioatto) (3) Manager responsible for preparing the Company s financial reports (Law 262/2005) (4) Also reporting to the CLO: Data Quality and Rating Specialistic Valuations (B. Braghè) (5) Also reporting to the CRO: Credit Quality Monitoring (R. Dallan), Internal Validation (P. Di Biasi) (6) Exclusively reporting to the Supervisory Board and the Management Board 2

13 The Banca dei Territori Division Retail Marketing () Marco Siracusano Small Business Marketing (2) Bruno Bossina SME Marketing (3) Carlo Berselli.3 million Customers 5,707 Branches Product Companies (4) Direct channels Support and enhancement of regional brands, upgrading of local commercial positions and strengthening of relations with individuals, small businesses, SMEs and Non-profit Entities while deriving full synergies from a single IT and marketing & sales platform that service the whole network Figures as at 30 September 200 () Retail customers include: Households (individual customers with financial assets under 00,000 euro), Personal (individual customers with financial assets between 00,000 euro and one million euro), Private (individual customers with financial assets of over one million euro) (2) Small Business customers include family businesses and small enterprises with a turnover under 2.5 million euro and with loan facilities under one million euro (3) SME customers include SMEs with a turnover between 2.5 million euro and 50 million euro or with a turnover under 2.5 million euro and with loan facilities equal to at least one million euro (4) Private banking, bancassurance, industrial credit, payment systems and relations with Non-profit Entities 3

14 The Banca dei Territori Division Retail Marketing Small Business Marketing SME Marketing 5,8 branches dedicated to. million Retail customers (Households, Personal and Small Businesses) and 63 branches dedicated to 73,000 Private customers 3 branches dedicated to 7,000 SME customers and 52 branches serving 50,000 Non-profit Entities Figures as at 30 September 200 4

15 The Banca dei Territori Division: 8 Regional Governance Centres (/2) Area GOVERNANCE CENTRES MANAGER BRANCHES Piemonte, Valle d Aosta and Liguria Adriano Maestri 660 Lombardia Pier Aldo Bauchiero 63 Milano and Province Franco Ceruti 540 Veneto, Friuli-Venezia Giulia and Trentino-Alto Adige Fabio Innocenzi 905 Figures as at 30 September 200 5

16 The Banca dei Territori Division: 8 Regional Governance Centres (2/2) Area GOVERNANCE CENTRES MANAGER BRANCHES Emilia-Romagna, Marche, Abruzzo and Molise Giuseppe Feliziani 568 Toscana and Umbria Luciano Nebbia,020 Campania, Basilicata, Calabria and Puglia Giuseppe Castagna 799 Lazio, Sardegna and Sicilia Antonio Nucci 602 Figures as at 30 September 200 6

17 The Banca dei Territori Division Main Product Companies Business Field Private Banking Company Manager Paolo Molesini Non-profit Entities Relations Marco Morganti Industrial Credit Carlo Stocchetti Bancassurance Gianemilio Osculati Bancassurance Erik Stattin Bancassurance Angelo Galetti Bancassurance Isabella Fumagalli Pension Funds Consumer Credit and Payment Systems Erik Stattin Orazio Palazzolo Fiduciary Services Saverio Perissinotto 7

18 The Corporate and Investment Banking Division Large () & International Corporate Teresio Testa Mid (2) Corporate Marco Rottigni Global Services (3) Walter Ambrogi Financial Institutions Stefano Stangoni Merchant Banking Marco Cerrina Feroni 9,000 Customers 55 Domestic Branches Capital Markets & Investment Banking Andrea Munari Factoring Rony Hamaui Leasing Edoardo Bacis Supporting as a global partner the balanced and sustainable development of corporates and financial institutions, also internationally through a specialist network of branches, representative offices and subsidiaries focused on corporate banking Figures as at 30 September 200 () Mainly with a turnover exceeding 500 million euro (2) With a turnover exceeding 50 million euro and mainly up to 500 million euro (3) Includes a specialist network of branches, representative offices and subsidiaries focused on corporate banking 8

19 The Corporate and Investment Banking Division Specialist network in 29 countries for corporate customers CORPORATE BANKS DIRECT BRANCHES (*) REPRESENTATIVE OFFICES Intesa Sanpaolo Bank Ireland Amsterdam Athens () Société Européenne de Banque Dubai Beijing Frankfurt Beirut George Town Brussels (2) Hong Kong Cairo London Casablanca Madrid Ho Chi Minh City New York Istanbul Paris Moscow Shanghai Mumbai Singapore Santiago Tokyo São Paulo Seoul Stockholm Tehran Tunis Warsaw Figures as at 30 September 200 (*) As of December 200; the branches of Athens, Munich and Vienna were operational at the end of September 200 () Representative Office of Banca IMI (2) International Regulatory and Antitrust Affairs and Intesa Sanpaolo Eurodesk 9

20 The Corporate and Investment Banking Division Complete solutions for global needs of Financial Institutions Global Relationship Transaction Banking Trade & Export Finance Banks Cash Management Export Trade Insurances and Financial Institutions Non Banks Agency Services Structured Trade Funds Local Custody ECAs 20

21 The Corporate and Investment Banking Division Capital Markets and Investment Banking Capital Markets Structured Finance Risk Trading Leveraged & Acquisition Finance Corporate & Institutional Sales Retail Hub Investment Banking Advisory Equity Capital Markets Debt Capital Markets Real Estate Project Finance & Industry Specialised Lending Special Financing Securitisation & Risk Transfer Syndication Loan Agency 2

22 The International Subsidiary Banks Division Albania Hungary Bosnia and Herzegovina Romania (*) Croatia Czech Republic Egypt 8.6 Million Customers,766 Branches in 3 Countries Russian Federation Serbia Slovakia Slovenia Greece Ukraine Figures as at 30 September 200 (*) Including Banca CR Firenze Romania Selected and strategic presence in retail banking in Central-Eastern Europe and in the Mediterranean Basin 22

23 The International Subsidiary Banks Division ALBANIA Intesa Sanpaolo Bank Albania 2 BOSNIA AND HERZEGOVINA Intesa Sanpaolo Banka Bosna i Hercegovina CROATIA Privredna Banka Zagreb CZECH REPUBLIC Prague branch of VUB Banka EGYPT Bank of Alexandria GREECE Athens branch of Intesa Sanpaolo Bank Albania HUNGARY CIB Bank ROMANIA Intesa Sanpaolo Bank Romania Banca CR Firenze Romania RUSSIAN FEDERATION Banca Intesa SERBIA Banca Intesa Beograd SLOVAKIA VUB Banka SLOVENIA Banka Koper UKRAINE Pravex-Bank 23

24 The International Subsidiary Banks Division Country Bank Manager Total Assets (euro m) Ranking (by Total Assets) Branches Customers South-Eastern Europe Area Albania Stefano Farabbi ,000 Bosnia and Herzegovina Almir Krkalić ,000 Croatia Božo Prka 9, ,590,000 Romania (*) Nicola Calabrò ,000 Serbia Draginja Djuric 3,72 205,547,000 Figures as at 30 September 200 (*) Including Banca CR Firenze Romania 24

25 The International Subsidiary Banks Division Country Bank Manager 2 Total Assets Ranking Branches Customers (euro m) (by Total Assets) Central-Eastern Europe Area Hungary Tomas Spurny 5 9, ,000 Slovakia Ignacio Jaquotot 0, ,600,000 Slovenia Ezio Salvai 2, ,000 Commonwealth of Independent States & South Mediterranean Area Egypt Mahmoud Abdel Latif 4, ,600,000 Russian Federation Yury Vladimirovich Tverskoy, ,000 Ukraine Sergji Naumov ,000 Figures as at 30 September

26 Public Finance Project finance for infrastructures Long-term financing Debt restructuring Securitisation 2,800 Customers Central Public Administration, Local Authorities, Public Administration s Holding and Auxiliary Companies, Public Utilities Companies, General Contractors, Public and Private Health Service Providers 8 Domestic Branches and in London Privatisation and M&A Bond issues Real estate advisory & finance Banking services Subsidiary specialised in public finance supporting public administration and infrastructure upgrading and favouring public-private sector cooperation, also pursuing development opportunities abroad in strategic countries for the Group Figures as at 30 September

27 Eurizon Capital and Banca Fideuram Asset Management The leading company in Italy with 4 billion euro of assets under management Financial Advisors Leader in Italy in the sector of financial advisors with 4,344 private bankers and 97 domestic branches Figures as at 30 September

28 Breakdown of consolidated results as at 30 September 200 Operating Income Breakdown by Business Area (*).6%.9% 4.6% 22% Breakdown by Geographical Area (#) 20.3% 58.% 3.5% 78% Banca dei Territori Division () International Subsidiary Banks Division Corporate and Investment Banking Division Banca Fideuram Eurizon Capital Public Finance Italy Other Countries (*) Excluding Corporate Centre (#) Figures as at 30 June 200 () Domestic Commercial Banking 28

29 Italian network NORTH WEST Intesa Sanpaolo Branches,753 CENTRE Subsidiaries Intesa Sanpaolo Subsidiaries Company Branches Branches Company Branches Banca CR Firenze (*) Banca CR Firenze (*) 753 Intesa Sanpaolo Private Banking 62 Banca dell'adriatico 84 Banca Fideuram 38 Intesa Sanpaolo Private Banking 24 Banca Prossima 7 Banca Fideuram 22 BIIS 5 Banca Prossima 8 Mediocredito Italiano 2 BIIS 4 Banca IMI Banco di Napoli 4 CR del Veneto Mediocredito Italiano 3 NORTH EAST Intesa Sanpaolo Branches Subsidiaries Company Branches 7 CR del Veneto 487 CR in Bologna 25 CR del Friuli Venezia Giulia 6 CR Venezia CR di Forlì e della Romagna 24 7 Banca di Trento e Bolzano 94 Banca CR Firenze (*) 53 Intesa Sanpaolo Private Banking 4 Banca Fideuram 22 Banca Prossima 0 BIIS 3 Mediocredito Italiano 2 SOUTH Intesa Sanpaolo Branches ISLANDS Intesa Sanpaolo Branches Subsidiaries Company 6 Banco di Napoli 766 Banca dell'adriatico 24 Intesa Sanpaolo Private Banking 20 Banca Prossima 3 Banca CR Firenze (*) Banca Fideuram 0 BIIS Mediocredito Italiano 4 2 Subsidiaries Company Branches Branches 96 Banca di Credito Sardo Banca Fideuram Intesa Sanpaolo Private Banking Banca Prossima BIIS 2 Mediocredito Italiano Figures as at 30 September 200 (*) Merger by incorporation of Casse del Centro into Banca CR Firenze as of November

30 International network EUROPE Direct Branches (*) Amsterdam Dornbirn (3) Frankfurt Innsbruck (3) London Madrid Paris Representative Offices Athens () Brussels (2) Istanbul Moscow Stockholm Warsaw Country Subsidiaries Branches Albania Bosnia and Herzegovina Croatia Czech Republic Greece Intesa Sanpaolo Bank Albania 3 Intesa Sanpaolo Banka Bosna i Hercegovina 54 Privredna Banka Zagreb 28 VUB Banka Intesa Sanpaolo Bank Albania Hungary CIB Bank 45 Ireland Intesa Sanpaolo Bank Ireland Luxembourg Banca Fideuram Société Européenne de Banque (SEB) Principality of Monaco Banca Fideuram Romania Intesa Sanpaolo Bank Romania 92 Banca CR Firenze Romania 7 Russian Federation Banca Intesa 79 Serbia Banca Intesa Beograd 205 Slovakia VUB Banka 244 Slovenia Banka Koper 54 Switzerland Banca Fideuram 2 Intesa Sanpaolo Private Bank (Suisse) Ukraine Pravex-Bank 425 United Kingdom Banca IMI BIIS AMERICA Direct Branches George Town New York Representative Offices Santiago São Paulo AFRICA Representative Offices Cairo Casablanca Tunis (*) Country Egypt Subsidiaries Bank of Alexandria ASIA Direct Branches Dubai Hong Kong Shanghai Singapore Tokyo Branches 200 Representative Offices Beijing Beirut Ho Chi Minh City Mumbai Seoul Tehran Figures as at 30 September 200 (*) As of December 200; the branches of Athens, Munich and Vienna were operational at the end of September 200 () Representative Office of Banca IMI (2) International Regulatory and Antitrust Affairs and Intesa Sanpaolo Eurodesk (3) Branches of Italian subsidiary Banca di Trento e Bolzano 30

The Intesa Sanpaolo Group s International Business. Vienna, 14 January 2008

The Intesa Sanpaolo Group s International Business. Vienna, 14 January 2008 The Intesa Sanpaolo Group s International Business Vienna, 4 January 2008 The history of Intesa Sanpaolo 998 2000 200 2002 2007 2 The Group at a glance Total Assets euro 576 bn Loans to Customers euro

More information

Italian Leader with a European Scale

Italian Leader with a European Scale Italian Leader with a European Scale Updated as at 1 April 2014 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 2 Italian banking leader of European scale The Leader in Italy Leader in all segments

More information

Italian Leader of European Scale. Updated as at 3 January 2008

Italian Leader of European Scale. Updated as at 3 January 2008 Italian Leader of European Scale Updated as at 3 January 2008 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 2 Italian banking leader of European scale The Leader in Italy Leader in all segments

More information

Italian Leader with a European Scale. Updated as at 2 January 2015

Italian Leader with a European Scale. Updated as at 2 January 2015 Italian Leader with a European Scale Updated as at 2 January 2015 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 2 Italian banking leader of European scale The Leader in Italy Leader in all segments

More information

Italian Leader with a European Scale

Italian Leader with a European Scale Italian Leader with a European Scale Updated as at 5 November 2015 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 2 Italian banking leader of European scale The Leader in Italy Leader in all segments

More information

Gruppo Intesa Network

Gruppo Intesa Network Gruppo Intesa Network Branches in Italy broken down by Bank and by Region (Up-dated as at December 2000) Ambroveneto (1) Cariplo BCI Carime (2) FriulAdria Cariparma Other Group banks (3) Piemonte 37 85

More information

Italian Leader with a European Scale

Italian Leader with a European Scale Italian Leader with a European Scale Updated as at 5 August 2016 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 2 Italian banking leader of European scale The Leader in Italy Leader in all segments

More information

Interim statement as at 30 September 2012

Interim statement as at 30 September 2012 Interim statement as at 30 September 2012 This is an English translation of the Italian original Resoconto intermedio al 30 settembre 2012 and has been prepared solely for the convenience of the reader.

More information

Report and consolidated financial statements of the Intesa Sanpaolo Group 2010

Report and consolidated financial statements of the Intesa Sanpaolo Group 2010 Annual Report 2010 This is an English translation of the Italian original Bilanci 2010 and has been prepared solely for the convenience of the reader. The Italian version takes precedence and will be

More information

This is an English translation of the Italian language original Bilanci 2012 that has been prepared solely for the convenience of the reader.

This is an English translation of the Italian language original Bilanci 2012 that has been prepared solely for the convenience of the reader. Annual Report 2012 This is an English translation of the Italian language original Bilanci 2012 that has been prepared solely for the convenience of the reader. The Italian language original Bilanci 2012

More information

Half-yearly report as at 30 June 2012

Half-yearly report as at 30 June 2012 Half-yearly report as at 30 June 2012 This is an English translation of the Italian original Relazione semestrale al 30 giugno 2012 and has been prepared solely for the convenience of the reader. The

More information

PRESS RELEASE. INTESA SANPAOLO: CONSOLIDATED RESULTS AT DECEMBER 31 st 2012

PRESS RELEASE. INTESA SANPAOLO: CONSOLIDATED RESULTS AT DECEMBER 31 st 2012 PRESS RELEASE INTESA SANPAOLO: CONSOLIDATED RESULTS AT DECEMBER 31 st 2012 IN A CHALLENGING YEAR, INTESA SANPAOLO DELIVERS STRONG RESULTS: CAPITAL IS SOLID AND WELL ABOVE REQUIREMENTS, LIQUIDITY IS VERY

More information

PRESS RELEASE. Adjusted consolidated net income for the first quarter of 2007 at 1,313 million euro, +13.2% (2006 first quarter: 1,160 million).

PRESS RELEASE. Adjusted consolidated net income for the first quarter of 2007 at 1,313 million euro, +13.2% (2006 first quarter: 1,160 million). PRESS RELEASE INTESA SANPAOLO: RESULTS AS AT 31 st MARCH 2007 Consolidated net income for the first quarter of 2007 at 4 billion euro with capital gains on the sale of Cariparma e FriulAdria (2006 first

More information

CREDIT AGRICOLE - CREDIT LYONNAIS

CREDIT AGRICOLE - CREDIT LYONNAIS CREDIT AGRICOLE - CREDIT LYONNAIS CREDIT AGRICOLE - CREDIT LYONNAIS The emergence of a major European banking group A historic vocation as a full service bank A strong ambition to develop all its businesses

More information

This is an English translation of the Italian language original Resoconto intermedio al 31 marzo 2014 that has been prepared solely for the

This is an English translation of the Italian language original Resoconto intermedio al 31 marzo 2014 that has been prepared solely for the Interim Statement as at 31 March 2014 This is an English translation of the Italian language original Resoconto intermedio al 31 marzo 2014 that has been prepared solely for the convenience of the reader.

More information

Internationalization and business support in the USA

Internationalization and business support in the USA Internationalization and business support in the USA Daniele Marcheselli, Internationalization Office Marketing Department, Intesa Sanpaolo Turin, 2015, November 16th Schedule Intesa Sanpaolo and the Group's

More information

5,000,000,000 Covered Bond Programme

5,000,000,000 Covered Bond Programme Data as of 30 June 2015 5,000,000,000 Covered Bond Programme Please note being this report as of June 2015, 30 it does not include: - the V Series new issuance (Eur 750ml, IT0005120198), effective from

More information

Global business needs a global partner

Global business needs a global partner Global business needs a global partner Bespoke business banking on an international scale Corporate Banking The global business experts Riga Saint Petersburg Moscow London Amsterdam Minsk Warsaw Brussels

More information

An introduction to the Rothschild businesses

An introduction to the Rothschild businesses An introduction to the Rothschild businesses Introducing the Group The Rothschild Group is one of the world s largest independent financial advisory groups, employing approximately 2,800 people in 40 countries

More information

PRESS RELEASE INTESA SANPAOLO: RESULTS AS AT 31 DECEMBER 2007

PRESS RELEASE INTESA SANPAOLO: RESULTS AS AT 31 DECEMBER 2007 PRESS RELEASE INTESA SANPAOLO: RESULTS AS AT 31 DECEMBER 2007 2007 consolidated net income at over 7.2 billion euro, including capital gains from disposals (2006: 4.7 billion). Proposal for dividend distribution:

More information

Profile RETAIL BANKING INVESTMENT SOLUTIONS CORPORATE AND INVESTMENT BANKING

Profile RETAIL BANKING INVESTMENT SOLUTIONS CORPORATE AND INVESTMENT BANKING 2012 AT A GLANCE Profile Whether across Europe or around the globe, BNP Paribas provides all its clients with the banking solutions they need to achieve their goals. Our branches and offices in 80 countries

More information

SUMMARY OF TERMS. Intesa Funding LLC, a limited liability company formed in Delaware. Issuer:

SUMMARY OF TERMS. Intesa Funding LLC, a limited liability company formed in Delaware. Issuer: INTESA FUNDING LLC Unconditionally Guaranteed by INTESA SANPAOLO S.p.A. U.S. $40,000,000,000 3(a)(3) Commercial Paper Notes RATINGS The Notes have been rated by Standard & Poor s Ratings Services, Moody

More information

Telecom Italia Portfolio Beni Stabili Investor Day

Telecom Italia Portfolio Beni Stabili Investor Day Telecom Italia Portfolio Beni Stabili Investor Day Milan, June 6 th 2012 Core Office Portfolio / Beni Stabili Investor Day / Milan, June 6 th 2012 ALEXANDRE ASTIER Business Development & Telecom Italia

More information

2013 AT A GLANCE. A responsible bank, committed to you

2013 AT A GLANCE. A responsible bank, committed to you 2013 AT A GLANCE A responsible bank, committed to you ProfilE Whether across Europe or around the globe, BNP Paribas provides all its clients with the banking solutions they need to achieve their goals.

More information

PROSPECTUS SUPPLEMENT. INTESA SANPAOLO S.p.A. (incorporated as a società per azioni in the Republic of Italy)

PROSPECTUS SUPPLEMENT. INTESA SANPAOLO S.p.A. (incorporated as a società per azioni in the Republic of Italy) PROSPECTUS SUPPLEMENT INTESA SANPAOLO S.p.A. (incorporated as a società per azioni in the Republic of Italy) as Issuer and, in respect of Notes issued by Intesa Bank Ireland p.l.c. and Sanpaolo IMI Bank

More information

Demographic indicators

Demographic indicators February 19, 2016 Demographic indicators Estimates for the year 2015 In 2015 the resident population decreased by 2.3 per thousand inhabitants. The reduction corresponds to 139,000 units less, resulting

More information

MARCO BOLGIANI CAREER BACKGROUND

MARCO BOLGIANI CAREER BACKGROUND MARCO BOLGIANI PROFILE Proven experience gained at major banking groups as Intesa Sanpaolo and UniCredit, until the position of Head of International Subsidiary Bank Division ISP (11 subsidiary banks,

More information

Banca fideuram at a glance

Banca fideuram at a glance Banca fideuram at a glance Key ratios 2012 2011 2010 2009 2008 CUSTOMER FINANCIAL ASSETS Net inflows into managed assets ( m) 2,749 (31) 4,234 2,928 (3,850) Total net inflows ( m) 2,316 1,717 1,901 2,804

More information

BANCA CARIGE SPA Cassa di Risparmio di Genova e Imperia BANCA CARIGE SPA

BANCA CARIGE SPA Cassa di Risparmio di Genova e Imperia BANCA CARIGE SPA BANCA CARIGE SPA BANCA CARIGE SPA Cassa di Risparmio di Genova e Imperia HSBC Italian Banks Conference London, 19 th January 2006-1- Agenda Carige s background The Strategic Plan 2005 first results The

More information

Highlights. The factoring market and group positioning. Strategies. Consolidated financial and economic data. Attachments

Highlights. The factoring market and group positioning. Strategies. Consolidated financial and economic data. Attachments 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

More information

Citi Global Financial Conference Hong Kong, 19 November 2013

Citi Global Financial Conference Hong Kong, 19 November 2013 Citi Global Financial Conference Hong Kong, 19 November 2013 Hanse Ringström, Chairman SEB Asia Ulf Grunnesjö, Head of Investor Relations 1 SEB the Nordic corporate bank with a global reach Income distribution

More information

MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE

MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE 2013 MAKING YOUR PROJECTS REAL SOCIETE GENERALE EQUIPMENT FINANCE AT A GLANCE Our profile We, Societe Generale Equipment Finance, are part of the French banking group Societe Generale and are a leading

More information

BANCA FIDEURAM AT A GLANCE

BANCA FIDEURAM AT A GLANCE BANCA FIDEURAM AT A GLANCE Key ratios 2010 2009 2008 2007 2006 CUSTOMER FINANCIAL ASSETS Net inflows into managed assets ( m) 4,234 2,928 (3,850) (892) 681 Total net inflows ( m) 1,901 2,804 345 1,617

More information

ASSOBIOMEDICA AND BIOMEDICAL START-UPS. Vera Codazzi, Ph.D.

ASSOBIOMEDICA AND BIOMEDICAL START-UPS. Vera Codazzi, Ph.D. ASSOBIOMEDICA AND BIOMEDICAL START-UPS Vera Codazzi, Ph.D. Startup Biomed FORUM Torino, 26-27 febbraio 2015 2 Towards innovation in the medical device sector NANO-TECHNOLOGIES CHEMISTRY ELECTRONICS MATERIALS

More information

Traineeships Regulation in Italy after the Fornero Labour Market Reform

Traineeships Regulation in Italy after the Fornero Labour Market Reform Executive Summary Traineeships Regulation in Italy after the Fornero Labour Market Reform www.bollettinoadapt.it Internships in Italy have new rules since the 2012 Fornero labour market reform that changed

More information

Office Rents map EUROPE, MIDDLE EAST AND AFRICA. Accelerating success.

Office Rents map EUROPE, MIDDLE EAST AND AFRICA. Accelerating success. Office Rents map EUROPE, MIDDLE EAST AND AFRICA Accelerating success. FINLAND EMEA Office Rents H2 212 NORWAY Oslo 38.3 5.4% 7.% 295, SWEDEN Stockholm 44.7 4.5% 3.% 5, Tallinn 13.4 44,2 21. 5.25% 1.% 12,

More information

Crédit Agricole Asset Management Nextra: An ambitious European project in the Asset Management Industry. Press conference, Milan, January 10 th, 2006

Crédit Agricole Asset Management Nextra: An ambitious European project in the Asset Management Industry. Press conference, Milan, January 10 th, 2006 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

More information

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-

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- 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

More information

PRESS RELEASE. BNP Paribas announces intent to acquire BNL

PRESS RELEASE. BNP Paribas announces intent to acquire BNL 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,

More information

2014 AT A GLANCE. Coworking session at NUMA, the digital innovation centre in Paris.

2014 AT A GLANCE. Coworking session at NUMA, the digital innovation centre in Paris. 2014 AT A GLANCE Coworking session at NUMA, the digital innovation centre in Paris. PROFILE Whether across Europe or around the globe, BNP Paribas provides with the banking solutions they need to achieve

More information

CASSA DI RISPARMIO DI FIRENZE - BANCA CR FIRENZE -

CASSA DI RISPARMIO DI FIRENZE - BANCA CR FIRENZE - 01-09 Inglese CRF 24-06-2003 11:10 Pagina 1 Annual Report 2002 CASSA DI RISPARMIO DI FIRENZE - BANCA CR FIRENZE - Limited Liability Company Registered Office and Headquarters in Florence Share Capital

More information

Supplemental Information First Quarter 2011 Earnings Call

Supplemental Information First Quarter 2011 Earnings Call Supplemental Information First Quarter 2011 Earnings Call Market & Financial Overview s Q1 2010 Q1 2011 growth slowing growth accelerating falling bottoming out Shanghai Washington DC London, Hong Kong

More information

Part E Information on risks and relative hedging policies

Part E Information on risks and relative hedging policies Part E Information on risks and relative hedging policies INTRODUCTION The table below shows the mapping of risk disclosures regarding the financial statements and Pillar 3, which is in compliance of the

More information

Methorios Capital. Small Cap Conference. Milan, 29th November 2012 Borsa Italiana Palazzo Mezzanotte 11.30 Room Gialla

Methorios Capital. Small Cap Conference. Milan, 29th November 2012 Borsa Italiana Palazzo Mezzanotte 11.30 Room Gialla 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

More information

BANCA FIDEURAM AT A GLANCE

BANCA FIDEURAM AT A GLANCE BANCA FIDEURAM AT A GLANCE Key ratios 2011 2010 2009 2008 2007 CUSTOMER FINANCIAL ASSETS Net inflows into managed assets ( m) (31) 4,234 2,928 (3,850) (892) Total net inflows ( m) 1,717 1,901 2,804 345

More information

An introduction to the UBI Banca Group. Ernst Rolf Hartmann

An introduction to the UBI Banca Group. Ernst Rolf Hartmann An introduction to the UBI Banca Group Ernst Rolf Hartmann The History of UBI Banca explains strong customer loyalty and stability of funding base Unione di Banche Italiane Scpa ( UBI Banca ) was formed

More information

BANCA CR FIRENZE. Annual Report 2003

BANCA CR FIRENZE. Annual Report 2003 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

More information

Fiscal federalism in Italy at a glance

Fiscal federalism in Italy at a glance Fiscal federalism in Italy at a glance Distribution of fiscal revenues (2006) Local Governments 7% Distribution of public expenditure (2006) Local Governments 19% Regions 24% State 53% Source: Region of

More information

Global Real Estate Outlook

Global Real Estate Outlook Global Real Estate Outlook August 2014 The Hierarchy of Economic Performance, 2014-2015 China Indonesia India Poland South Korea Turkey Australia Mexico United Kingdom Sweden United States Canada South

More information

Introduction. We will refer in particular to the list of issues : Part I - n 7 and n 12 Part III - n 1: (ii) points a, c, e.

Introduction. We will refer in particular to the list of issues : Part I - n 7 and n 12 Part III - n 1: (ii) points a, c, e. Brief summary from SOS Children s Villages in response to the list of Issues concerning additional and updated information related to the third and fourth combined periodic report of ITALY from the UN

More information

BNP Paribas. Italy : a New Home Market in Europe. Philippe Bordenave. Chief Financial Officer

BNP Paribas. Italy : a New Home Market in Europe. Philippe Bordenave. Chief Financial Officer BNP Paribas Italy : a New Home Market in Europe Philippe Bordenave Chief Financial Officer June 9 th 2006 1 Disclaimer Some information contained in this presentation and other information or material

More information

Today Eurocrea is organized in three different business units: Eurocrea Consulting; Eurocrea Financial Services; Eurocrea Merchant.

Today Eurocrea is organized in three different business units: Eurocrea Consulting; Eurocrea Financial Services; Eurocrea Merchant. Eurocrea was established in 1988 aiming at providing SMEs with consulting and other services related to Subsidized Credit. Since then it has always played a leading role in this sector which had not been

More information

WE RE AT YOUR SIDE BNP PARIBAS GROUP IN LUXEMBOURG. Data up to date as at 31/12/2011

WE RE AT YOUR SIDE BNP PARIBAS GROUP IN LUXEMBOURG. Data up to date as at 31/12/2011 WE RE AT YOUR SIDE BNP PARIBAS GROUP IN LUXEMBOURG 2012 Data up to date as at 31/12/2011 BNP Paribas in Luxembourg Established since 1919 4,000 employees 3 business areas: Retail Banking, Investment Solutions,

More information

The new Athens Airport

The new Athens Airport Athens International Airport S.A. The new Athens Airport Presentation to Hochtief Analysts Dr Yiannis Paraschis Athens, 28/6/02 The Agenda The Airport Project The Business Approach Cost and Traffic The

More information

KBC s entry into Russia. KBC acquires majority stake in Absolut Bank

KBC s entry into Russia. KBC acquires majority stake in Absolut Bank KBC s entry into Russia KBC acquires majority stake in Absolut Bank 18 April 2007 Table of contents 1. The Transaction 2. The Russian banking environment 3. Absolut bank profile and strategy 2 Majority

More information

The Investment Bank of the Intesa Sanpaolo group

The Investment Bank of the Intesa Sanpaolo group The Investment Bank of the Intesa Sanpaolo group 5 August, 2016 Intesa Sanpaolo: snapshot Highlights Market Capitalisation 38.6 bn Loans to customers 361,035 mm Direct deposits from banking business 379,927

More information

Bank Austria IR Release

Bank Austria IR Release Bank Austria IR Release Günther Stromenger +43 (0) 50505 57232 Vienna, 12 February 2015 Preliminary results 1 for the 2014 financial year: Bank Austria posts net profit of about EUR 1.4 billion Sound operating

More information

HISTORICAL MAP IMAGES SOURCES ARCHIVES THE PLURAL ROOTS OF INTESA SANPAOLO. www.group.intesasanpaolo.com

HISTORICAL MAP IMAGES SOURCES ARCHIVES THE PLURAL ROOTS OF INTESA SANPAOLO. www.group.intesasanpaolo.com Archivio Storico Intesa Sanpaolo Via Morone 3-20121 Milano archivio.storico@intesasanpaolo.com Direction Francesca Pino Coordination Paola Chiapponi Barbara Costa Historical research and texts Alessandro

More information

The leading adviser in the global education sector

The leading adviser in the global education sector The leading adviser in the global education sector 3 Global Financial Advisory Rothschild stands apart from the competition. What makes Rothschild special as an adviser is that we are: Focused on clients

More information

A Global Rating Agency >

A Global Rating Agency > A Global Rating Agency > Who We Are > Fitch Ratings is committed to providing the world s credit markets with reliable, timely and prospective credit opinions. Built on a foundation of organic growth and

More information

Supplemental Information First-Quarter 2014 Earnings Call

Supplemental Information First-Quarter 2014 Earnings Call Supplemental Information First-Quarter 2014 Earnings Call Market & Financial Overview Q1 & FY Capital Markets & Leasing Markets Volumes Investment Volume Strength Varies HISTORICAL FORECAST Capital Markets

More information

Norton Rose Group expands across Canada, Latin America and Kazakhstan. Creating one of the world s leading energy and mining practices

Norton Rose Group expands across Canada, Latin America and Kazakhstan. Creating one of the world s leading energy and mining practices Norton Rose Group expands across Canada, Latin America and Kazakhstan Creating one of the world s leading energy and mining practices Norton Rose Group expands across Canada, Latin America and Kazakhstan

More information

Alba Leasing Company Profile 2014

Alba Leasing Company Profile 2014 Alba Leasing Company Profile 2014 Company at a glance Alba Leasing The partner for small and medium-sized enterprises Alba Leasing is a financial company founded in 2010 on the initiative of some of the

More information

Company Profile. Trento I 05.2015

Company Profile. Trento I 05.2015 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):

More information

How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell

How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell Case Study - 2012 How to improve the Banco Santander Brasil business model by analyzing opportunities of Cross Sell Is it possible to increase client relationship efficiency and revenue by collect, analyze

More information

We continue our consumer finance activities with KoçFinans, Turkey s first consumer finance company.

We continue our consumer finance activities with KoçFinans, Turkey s first consumer finance company. 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

More information

Report for half year to 30 June 2000

Report for half year to 30 June 2000 Report for half year to 30 June 2000 Limited Liability Company Registered Office and Headquarters in Florence Share Capital: Lire 1.065.367.273.000 fully paid Reserves: Lire 265.861.984.376 Register of

More information

Why Credit Suisse? Private Banking & Wealth Management 3Q2014

Why Credit Suisse? Private Banking & Wealth Management 3Q2014 Why Credit Suisse? Private Banking & Wealth Management 3Q2014 October 2014 Disclaimer Cautionary statement regarding forward-looking statements This presentation contains forward-looking statements that

More information

keep reaching The founders of change are people like you. Let us accompany you with financial solutions for all your banking and investment needs.

keep reaching The founders of change are people like you. Let us accompany you with financial solutions for all your banking and investment needs. 2011 AT A GLANCE The founders of change keep reaching are people like you. Let us accompany you with financial solutions for all your banking and investment needs. The poster opposite and the one on the

More information

Organizational Revision of SMFG and SMBC. (1) Strengthen business in emerging markets (SMBC and SMFG)

Organizational Revision of SMFG and SMBC. (1) Strengthen business in emerging markets (SMBC and SMFG) March 26, 2013 Sumitomo Mitsui Financial Group, Inc. Sumitomo Mitsui Banking Corporation Organizational Revision of SMFG and SMBC Tokyo, March 26, 2013 --- Sumitomo Mitsui Financial Group, Inc. (SMFG,

More information

About Standard Chartered

About Standard Chartered About Standard Chartered Standard Chartered PLC, listed on both London and Hong Kong stock exchanges, ranks among the top 25 companies in the FTSE-100 by market capitalisation. The London-headquartered

More information

Master in Finance II level Master from the University of Torino. www.carloalberto.org

Master in Finance II level Master from the University of Torino. www.carloalberto.org Master in Finance II level Master from the University of Torino HISTORY The Master in Finance has been offered by the University of Torino and organized by CORIPE since 1998. It takes place and is currently

More information

Banca Popolare di Verona

Banca Popolare di Verona Banca Popolare di Verona Fabio Innocenzi, CEO Merrill Lynch Midcap Financial Conference London (UK), 12 December 2001 Brief Standalone Profile of BPV Merger between BPV and BPN BPV Group Structure Corporate

More information

Delegated to CNR on December 23rd, 1987. New synchronous registration system from September 28 th, 2009

Delegated to CNR on December 23rd, 1987. New synchronous registration system from September 28 th, 2009 The.it Registry: a short overview Delegated to CNR on December 23rd, 1987 More than 1,860,000 domain names New synchronous registration system from September 28 th, 2009 Coexistence of the two systems

More information

SECONDA BOZZA. Gruppo Intesa Report on Operations and Consolidated Financial Statements

SECONDA BOZZA. Gruppo Intesa Report on Operations and Consolidated Financial Statements SECONDA BOZZA Gruppo Intesa Report on Operations and Consolidated Financial Statements SECONDA BOZZA Report on Operations Significant events The Group s development Gruppo Intesa was established at the

More information

REPORT OF THE BOARD OF DIRECTORS IN ACCORDANCE WITH ART. 2501 QUATER of the Italian Civil Code ON THE MERGER BY INCORPORATION OF

REPORT OF THE BOARD OF DIRECTORS IN ACCORDANCE WITH ART. 2501 QUATER of the Italian Civil Code ON THE MERGER BY INCORPORATION OF REPORT OF THE BOARD OF DIRECTORS IN ACCORDANCE WITH ART. 2501 QUATER of the Italian Civil Code ON THE MERGER BY INCORPORATION OF CARDINE FINANZIARIA S.P.A. INTO SANPAOLO IMI S.P.A. CONTENTS INTRODUCTION

More information

CEE bancassurance partnership

CEE bancassurance partnership CEE bancassurance partnership OTP Bank and Groupama to form Emerging Europe insurance partnership February 11, 2008 1 Dr Sándor Csányi Chairman and CEO OTP Bank Mr Jean Azéma CEO Groupama 2 OTP Bank and

More information

Pohjola Group. 31 March 2008

Pohjola Group. 31 March 2008 Pohjola Group 31 March 2008 Group business structure Strategy Interim report 31 March 2008 Pohjola Group Banking and Investment Services Non-life Insurance Acquisition synergies Prospects for 2008 Dividend

More information

BNP Paribas Private Banking

BNP Paribas Private Banking BNP Paribas Private Banking Olivier Cœnon Head of Development & Partnerships BNP Paribas Private Banking May 2007 1 Disclaimer This presentation includes forward-looking statements based on current beliefs

More information

We endeavor to maximize returns.

We endeavor to maximize returns. 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

More information

UniCredit Asia Pacific Your bridge between Europe and Asia.

UniCredit Asia Pacific Your bridge between Europe and Asia. UniCredit Asia Pacific Your bridge between Europe and Asia. 3 UNICREDIT CORPORATE & INVESTMENT BANKING YOUR ACCESS TO BOUNDLESS OPPORTUNITIES UniCredit Corporate & Investment Banking serves corporate

More information

BANCA CARIGE SpA Cassa di Risparmio di Genova e Imperia

BANCA CARIGE SpA Cassa di Risparmio di Genova e Imperia -1- BANCA CARIGE SpA Cassa di Risparmio di Genova e Imperia European Banks & Misc. Financials KBW Conference 2006 -2- Agenda Banca Carige overview Carige share performance 1H06 results The Strategic Plan

More information

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th Profit earner or cost driver? A combined view of retail banking and payments Bertrand Lavayssière Frankfurt, May 25th Payments are crucial for Retail Banking Retail banking revenues are rather stable and

More information

NATIONAL BANK OF GREECE

NATIONAL BANK OF GREECE NATIONAL BANK OF GREECE NBG may file a registration statement (including a prospectus) with the SEC for the rights offering referred to in this report. Before you invest, you should read the prospectus

More information

NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS

NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS NORGES BANK INVESTMENT MANAGEMENT NIRI SAN FRANCISCO CHAPTER PRESENTATION TUESDAY 13TH MAY 2014 SPEAKER: HUGO SANDERS- HEAD OF CORPORATE ACCESS Safeguarding financial wealth From natural resource to financial

More information

EBRD IN THE SOUTHERN & EASTERN MEDITERRANEAN REGION. Milan, 3 June 2014

EBRD IN THE SOUTHERN & EASTERN MEDITERRANEAN REGION. Milan, 3 June 2014 EBRD IN THE SOUTHERN & EASTERN MEDITERRANEAN REGION Milan, 3 June 2014 Contents EBRD: Introduction to EBRD EBRD: in the Southern and Eastern Mediterranean region (SEMED) EBRD: LEF, Local Enterprise Facility

More information

Our Financial Services Regulatory practice

Our Financial Services Regulatory practice Our Financial Services Regulatory practice 2015 2 Our Financial Services Regulatory practice 2015 Allen & Overy LLP 2015 3 How we can assist you Ranked Tier 1 for Financial Services Regulatory: Non-contentious

More information

Banca Intesa s Strategies in Retail Banking. Massimo Arrighetti Head of Retail Division

Banca Intesa s Strategies in Retail Banking. Massimo Arrighetti Head of Retail Division Banca Intesa s Strategies in Retail Banking Massimo Arrighetti Head of Retail Division Sanford C. Bernstein Pan European Strategic Decisions Conference 2004 London - September 28 th, 2004 Agenda 1 Introduction

More information

Ship Finance Practice. Covering ship finance from every perspective. www.allenovery.com

Ship Finance Practice. Covering ship finance from every perspective. www.allenovery.com Ship Finance Practice Covering ship finance from every perspective 2 Ship Finance Practice Why Allen & Overy? A pre-eminent ship finance practice Our international ship finance practice holds a premier

More information

Digital Infrastructure and Economic Development. An Impact Assessment of Facebook s Data Center in Northern Sweden executive summary

Digital Infrastructure and Economic Development. An Impact Assessment of Facebook s Data Center in Northern Sweden executive summary Digital Infrastructure and Economic Development An Impact Assessment of Facebook s Data Center in Northern Sweden executive summary The Boston Consulting Group (BCG) is a global management consulting firm

More information

BEST EXECUTION POLICY

BEST EXECUTION POLICY BEST EXECUTION POLICY In Prague on 9 th December 2015 TABLE OF CONTENT 1. Introductory provisions 2. Markets where the Company executes customer's instructions 3. Instructions 4. Strategy for executing

More information

1Q15 Results. An Excellent Start to the Year. A Strong Bank, Delivering Growth

1Q15 Results. An Excellent Start to the Year. A Strong Bank, Delivering Growth Results An Excellent Start to the Year A Strong Bank, Delivering Growth May 11, 2015 Q1: An Excellent Start to the Year ~ 1.1bn Net income, over 50% of 2015 2bn dividend commitment Revenues up 16%, with

More information

Sberbank of Russia. Interim Condensed Consolidated Financial Statements and Review Report

Sberbank of Russia. Interim Condensed Consolidated Financial Statements and Review Report Sberbank of Russia Interim Condensed Consolidated Financial Statements and Review Report Interim Condensed Consolidated Financial Statements and Review Report CONTENTS Review Report... 3 Interim Condensed

More information

BANCA CR FIRENZE. 2004 Financial Statements

BANCA CR FIRENZE. 2004 Financial Statements BANCA CR FIRENZE 2004 Financial Statements Joint-stock Company Registered Office and Headquarters in Florence Share Capital 8 648,035,843.16 fully paid Reserves and share premiums 8 311,333,236.20 Register

More information

FRANCHISING IN ITALY IN 2000

FRANCHISING IN ITALY IN 2000 FRANCHISING IN ITALY IN 2000 Franchising in Italy from 1971 until the eve of the new Millennium Franchising in Italy was born in 1971 when the Italian Franchising Association (Associazione Italiana del

More information

2011-2013/2015 Business Plan Solid Value Creation for all Stakeholders

2011-2013/2015 Business Plan Solid Value Creation for all Stakeholders 2011-2013/2015 Business Plan Solid Value Creation for all Stakeholders Basel 3: immediate competitive advantage for Intesa Sanpaolo Milan, 6 April 2011 Disclaimer This document has been prepared by and

More information

Raiffeisenlandesbank Niederösterreich-Wien AG Member of Austrian Raiffeisen Banking Group Self Introduction

Raiffeisenlandesbank Niederösterreich-Wien AG Member of Austrian Raiffeisen Banking Group Self Introduction Raiffeisenlandesbank Niederösterreich-Wien AG Member of Austrian Raiffeisen Banking Group Self Introduction Correspondent Banks 1 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first

More information

CONTENTS THE ITALIAN REVENUE AGENCY THE GOVERNANCE CENTRAL ORGANISATION CENTRAL DIRECTORATES FUNCTIONS STAFF OFFICES FUNCTIONS

CONTENTS THE ITALIAN REVENUE AGENCY THE GOVERNANCE CENTRAL ORGANISATION CENTRAL DIRECTORATES FUNCTIONS STAFF OFFICES FUNCTIONS CONTENTS THE ITALIAN REVENUE AGENCY 2 THE GOVERNANCE 3 CENTRAL ORGANISATION 4 CENTRAL DIRECTORATES FUNCTIONS 5 STAFF OFFICES FUNCTIONS 6 TERRITORIAL ORGANISATION 7 FINANCIAL AND HUMAN RESOURCES 9 FIGURES

More information

Achieving Export Sales Growth

Achieving Export Sales Growth Achieving Export Sales Growth How Enterprise Ireland and its overseas network works with Irish exporting companies Angela Byrne Marketing & Sales Strategy Adviser Enterprise Ireland Finance 4 Growth Workshop

More information

Supplemental Information Fourth-Quarter 2013 Earnings Call

Supplemental Information Fourth-Quarter 2013 Earnings Call Supplemental Information Fourth-Quarter 2013 Earnings Call Market & Financial Overview 2013 Q4 and FY Capital Markets & Leasing Markets Volumes 2013 Investment Volume Strength Continued Q4 2013 v. Q4 2012

More information