PARECER DO CONSELHO FISCAL. Corporate Brochure
|
|
|
- Ilene King
- 8 years ago
- Views:
Transcription
1 PARECER DO CONSELHO FISCAL Corporate Brochure
2 How can BAI enhance your success? Corporate Brochure
3 Table of Contents Background Vision and Mission Our Values Governing Bodies References Shareholders Financial Statements and Performance Indicators Graphs: Leading Indicators Products and Services Corporate, Institutional and Investment Banking Contacts
4 Background Founded on November 14th 1996, BAI is today a dynamic bank using the most up-to-date technology. We give special attention to a more efficient and personalized market approach, and we work to become an essential partner in your business. We are actively engaged in providing an attentive service to Individual Customers and offering innovating solutions to support SMEs (Small and Medium Enterprises) while keeping ourselves as an undeniable reference among Corporate Organizations. A team of dedicated and expert professionals ensures our presence in the national and international market. With 66 branches in Angola, BAI is also present in Portugal, through BAI Europa, in Cabo Verde, through BAI Cabo Verde, S. Tomé e Príncipe and Brazil through partnerships that ensure BAI businesses. 04
5 Vision and Mission Our Vision To be an Angolan Financial Group distinguished in the markets where it operates for its solidity, dynamism and value creation for its stakeholders. Our Mission Integrated development of business competences that lead to the formation of sustainable partnerships in harmony with best internationally recommended practices for the financial sector. 05
6 Our Values Respect Customer Orientation Transparency Professionalism Ethical Conduct 06
7 Governing Bodies 07
8 Governing Bodies 08
9 Governing Bodies 09
10 References Auditor Ernst & Young (Portugal) from FY 1999 thru 2005 PricewaterhouseCoopers (Angola) since FY 2006 Member of SWIFT network since 2000 (BAIPAOLU) Certified as Bank nº. 1 rated 98.05% for Southern and Eastern Africa in 2004 by American Express for SWIFT straight through processing First Angolan bank to be licensed by VISA in 2006 to provide credit cards services to the Angolan market Considered Best Bank in Angola in 2008 by the Banker Correspondent banking arrangements with: In US$ American Express Bank Ltd HSBC USA 10
11 References In EUR KBC Bank Commerzbank Frankfurt BHF Bank Byblos Bank Europe SA Banco BAI Europa In ZAR Standard Bank Commerzbank South Africa HSBC Johannesburg Website 11
12 Shareholders 2008 % # of Shares Paid in Capital (USD) Sonangol - Sociedade Nacional de Combustíveis, UEE Arcinella Assets Sforza Properties Amer - Com International Dabas Management Limited Mário Abílio R.M. Palhares Theodore Jameson Giletti A.B.L. Limited Lobina Anstalt Others 8,50 7,00 6,50 5,42 5,00 5,00 5,00 5,00 5,00 47, ,
13 Financial Statements and Performance Indicators USD Thousands Accounts Interest Income Interest Expense Net Interest Income (90 231) (34 385) (31 183) (19 738) (6 570) (5 232) Commission Income Profits on Financial Operations Other Oper. Income Comission Expense Additional Margin Banking Revenue Personnel Costs Third Party Supplies and Services DDA Provisions Duties and Taxes Others Expenses Operating Income (4 065) (35 154) (41 828) (11 196) (47 535) (654) (1 937) (2 074) (21 750) (23 629) (8 182) (28 775) (468) (1 159) (1 760) (18 766) (18 067) (6 708) (3 330) (448) (1 468) (2 588) (13 369) (16 612) (5 266) (12 149) (446) (1 316) (1 226) (10 680) (13 511) (3 815) (4 302) (368) (1 147) (368) (8 341) (9 423) (2 080) (16 250) (211) (1 278)
14 Financial Statements and Performance Indicators USD Thousands Accounts Extraordinary Results Profits Before Conversion Effects Forex Loss Income Before Taxes Provision for Industrial Tax Net Income (32) (498) (17 001) (1 036) (38 956) (1 967) (14 672) (4 139) (14 745) (643) (14 656) (918) (2 283) (11 774)
15 Financial Statements and Performance Indicators USD Thousands Assets Cash & Dep. W/ CB Deposits w/ FI Loans to FI Customers Loans Bonds Equity Holdings Intangible Fixed Ass. Tangible Ass. & Works in Progress Other Assets Accruals & Deferrals Total Assests Liabilities Deposits from FI Other Deposits Responsabilities for Securities Others Liabilities Creditors
16 Financial Statements and Performance Indicators USD Thousands Assets Accruals & Deferrals Provisions Equity Funds Share Capital Funds Legal and Free Reserves Re-expression Effect Reserves Other Reserves Profits and Loss Total Liab. & Equity (585) (585) (585) (585) (564)
17 Financial Statements and Performance Indicators Key Indicators Activity (US $ Million) Total Net Assets Net Customers Loans Signature Credit (Doc. Credit & guaranties) Total Credit Deposits Debt Securities in Issue Equity Funds Net Banking Product General Overheads Net Income Shares ( 000) Operational Workforce Nr. of Branches Nr. of Accounts Cost to Income Ratio ,6% % % % % ,3% 17
18 Financial Statements and Performance Indicators Key Indicators Productivity Nr. of Customers to Employees Net Assets/Number of Employees Overheads/Net Assets Profitability Earnings per Share (EPS) Return on Equity (ROAE) Return on Assets (ROAA) Inco. Before Taxes to Equity Funds Capital Adequacy (Eq. to WRA) % % 3% 48.5% 15.7% % % 2.6% 62.7% 11.9% % % 2.5% 50.5% 12.3% % % 2.6% 45.3% 9.6% % % 2.8% 46% 10% % % 3% 42% 12% 18
19 Graphs: Leading Indicators 19
20 Products and Services Corporate Banking Investment Banking Retail Banking Trade Finance: issue and receipt of payment orders, opening and confirmation of Letters of Credit (at sight, at term and stand-by), banking guarantees Treasury Product: overdrafts, working capital accounts, application of funds on overnights Project finance: designing and structuring of debt & equity finance forgreenfield and expansion projects; venture capital solutions Structured finance: structuring of and participation in finance syndicates securitized by capital market instruments Loans: wage loans, car loans, house loans, student loans, loans to executives (Top 150) Current accounts: expense-free accounts, wage accounts Savings accounts: youth savings account, house saving account Loans: short, medium- and long-term loans, investment loans Corporate finance: economic, financial and asset valuations, auditings, preparation of business plans, restructuring and privatization studies Term deposits and financial investments: 3-year term deposit BAI Classic; BAI guaranteed securities pegged to central bank bills and int l money market paper) Banking services: opening of interest-bearing accounts, debit accounts by cheques and ATM cards, issuing and certifying of cheques, intrabanking transfers and interbanking transfers (local and offshore), standing payment instructions (water, electricity, telephone bills), purchase and sale of foreign currency cheques and traveller-cheques, purchase and sale of banknotes and hard-currency, processing and payment of wages, transport and collection of funds, debit and credit cards (Mastercard, Visa), cash advances against VISA, Diners, Euro and Matercard credit cards, Internet Banking 20
21 Corporate, Institutional and Investment Banking Integrated Logistic Service Overdraft Facility - Angola - USD ,00 Confirmed Asset Backed Facility - Angola - USD ,00 Financial Upgrade of GSM Network - Angola - USD ,00 Adviser, Arranger and Lender Co- leader, Local Arranger and Lender Adviser, Arranger and Lender Confirmed Asset Backed Facility - Angola - USD ,00 Adviser, Arranger and Lender Acquisition of Equipment for Expansion of Mobile Telephone Network - Angola - USD ,00 Syndicated Loan - Angola - USD ,00 Arranger and Lender Adviser, Arranger and Lender 21
22 Corporate, Institutional and Investment Banking Ministério das Finanças Housing Syndicated Loan Nova Vida Project - Angola - USD ,00 Arranger and Lender Syndicated Loan to Finance Sonangol Current Budget (USD ) USD ,00 Co-Lender and Arranger Ministério das Finanças Bridge Facility - Angola - USD ,00 Co- leader, Local Arranger and Lender Ministério das Finanças Line of Credit BAI AKA Export Credit Agency: Hermes Beneficiaries: EPAL, INEA USD ,00 Agent and Arranger Ministério das Finanças Syndication Loan for the Modernization of TAAG Boeing Fleet Beneficiary: TAAG (USD ) USD ,00 Advisor, Leader and Co-Arranger Ministério das Finanças Syndication Loan for Treasury Bonds (USD ) USD ,00 Advisor, Co-Leader and Co-Arranger 22
23 Corporate, Institutional and Investment Banking Ministério das Finanças Syndication and Underwriting for Treasury Bonds Public Investments Program (USD ,00) USD ,00 Underwriter 2007 Structured Loan for Construction of Luanda Medical Center USD ,00 Lenders 2007 Ministério das Finanças Housing Sydicated Loan Nova Vida Project Phase II (USD ) USD ,00 Lender 2006 Finance the Acquisition of Celular Telephone Equipment USD ,00 Lender Finance the Construction of the New Logistical and Services Center in Soyo USD ,00 Lender Ministério das Finanças Syndication and Underwriting for Treasury Bonds Phase I (USD ) USD ,00 Underwriter 23
24 Corporate, Institutional and Investment Banking Syndicated Loan Ministry os Transportation Aquisition of fleet of buses Structured Loan for Upgrading Terminal 2 USD ,00 Leader 2008 USD ,00 Lender 2008 USD ,00 Lenders 2008 Glopartner, Lda Project Finance structure for a Real Estate project - Angola - USD ,00 Lender 2008 Confirmed Asset Backed Facility - Angola - USD ,00 Lender 2008 Ministry of Transportation Ministry of Finance Production of School Books AKZ 11, ,00 Lender
25 Contacts Banco Africano de Investimentos, S.A Corporate, Investment and Financial Markets Rua Major Kanhangulo 34, Luanda Angola Caixa Postal 6022 Tel.: +244(222) / Fax: +244(222) David M. Carvalho Investment Banking Manager Tel.: +244(222) / Tel.: +244(222) (direct) Victor Cardoso Financial Markets Manager Tel.: +244(222) / Tel.: +244(222) (direct) Jorge Almeida Corporate & Institutional Manager Tel.: +244(222) / Tel.: +244(222) (direct) 25
Sociedade Lusa de Negócios
Sociedade Lusa de Negócios Group structure: Ownership Structure: The BPN Group is 100%-owned by SLN Sociedade Lusa de Negócios -SGPS, S.A., the Group s holding company. SLN is owned, directly and/or indirectly,
PRESS RELEASE 1H 2015
PRESS RELEASE 1H 2015 (Non-audited accounts) 31 August 2015 1. EVOLUTION OF BUSINESS AREAS 1.1. FINANCIAL AREA The Financial Area comprises all financial activities of the Group including Orey Financial
Crédito Agrícola Group
Crédito Agrícola Group Meet your partner in Portugal A Brief Presentation Index 1 History and Ownership Structure 2 3 4 5 6 Key Financials Competitive Landscape Value Proposition Industry Awards Main Contacts
Invoice Factoring, Debtors Discounting and Trade Finance are bridging facilities using your debtors, stock or movable assets to raise cash.
Dear Sir / Madam, Re Bridging Facilities Invoice Factoring, Debtors Discounting and Trade Finance are bridging facilities using your debtors, stock or movable assets to raise cash. A key element is that
NOTES TO THE FINANCIAL STATEMENTS AS OF 31 DECEMBER 2006
NOTES TO THE FINANCIAL STATEMENTS AS OF 31 DECEMBER 2006 (Amounts expressed in Euro ) (Translation of a report originally issued in Portuguese Note 49) Operations BNP Factor Companhia Internacional de
CHARGES CATALOGUE. For Individuals and Small Companies:
The Charges Catalogue includes the usual charges that are currently valid as well as upcoming charges with their implementation date. The Charges Catalogue is reviewed at fixed intervals and is being also
FINANCIAL HIGHLIGHTS 2010
FINANCIAL HIGHLIGHTS 2010 Contents Managing Director s report 1 Consolidated statement of comprehensive income 3 Pro forma consolidated statement of comprehensive income 4 Consolidated statement of financial
BALANCE SHEET AND INCOME STATEMENT
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
Consolidated Financial Results for the Fiscal Year Ended March 31, 2016 [under Japanese GAAP]
![Consolidated Financial Results for the Fiscal Year Ended March 31, 2016 [under Japanese GAAP]](/thumbs/38/17889463.jpg "Consolidated Financial Results for the Fiscal Year Ended March 31, 2016 [under Japanese GAAP]")
This English version is a translation of the original Japanese document and is only for reference purposes. In the case where any differences occur between the English version and the original Japanese
Report of 3Q 2015 consolidated results Information reported in Ps. billions (1) and under Full IFRS (1) We refer to billions as thousands of
Report of 3Q 2015 consolidated results Information reported in Ps. billions (1) and under Full IFRS (1) We refer to billions as thousands of millions. isclaimer Grupo Aval Acciones y Valores S.A. ( Grupo
2 Annual data reflecting National Income and Product
Table 1 Basic statistical data Population (thousands) 1 291,289 294,056 296,940 299,801 302,045 GDP (USD billions) 2 10,960.8 11,685.9 12,421.9 13,178.4 13,807.5 GDP per capita (USD) 37,629 39,740 41,833
Account Type Personal Advance Premier Seniors Chequing Personal Chequing monthly maintenance fee (BMD, USD) $8/month No charge No charge No charge*
Personal Banking, HSBC Advance and HSBC Premier Customers 2013 Fee Schedule Effective 1 July 2013 Chequing Personal Chequing monthly maintenance fee (BMD, USD) $8/month No charge No charge No charge* Cheque
Personal Account. Pricing Guide. August 2011. how can we help you?
Personal Account Pricing Guide August 2011 how can we help you? Personal Account Pricing Guide August 2011 how can we help you? FUTURE SAVE ACCOUNT Monthly Maintenance Fee Minimum balance P100.00 Monthly
Whitepaper. Retail Banking Test Suite IP YOUR SUCCESS IS OUR FOCUS. Published on: March 2008 Author: Kapaleeswaran V
YOUR SUCCESS IS OUR FOCUS Whitepaper Published on: March 2008 Author: Kapaleeswaran V 2009 Hexaware Technologies. All rights reserved. Table of Contents 1. Introduction 2. Problem Statement 3. Scope Definition
2008 SJ Group Report. Contents. SJ Holdings Inc. 2007.4.1-2008.3.31
Securities code : 2315 28 SJ Group Report 27.4.1-28.3.31 Contents A Message to Our Shareholders 1 Consolidated Results and Assets and Liabilities 2 Breakdown of Results (1): By Business Category 3 Breakdown
Tariff of Charges FIRST
Tariff of Charges FIRST QNB First Membership QNB First Membership QNB First - Premium (Debit Card) QNB First - World Card (Debit & Credit Card*) *subject to the Bank's Terms and Conditions Accounts Local
Ethiopian Institute of Financial Studies (EIFS) PROJECT FINANCE
PROJECT FINANCE With the growth in the economy and the revival in the industrial sector coupled with the increasing role of private players in the field of infrastructure, more and more Ethiopian banks
Consolidated Financial Results for Six Months Ended September 30, 2007
Consolidated Financial Results for Six Months Ended September 30, 2007 SOHGO SECURITY SERVICES CO., LTD (URL http://ir.alsok.co.jp/english) (Code No.:2331, TSE 1 st Sec.) Representative: Atsushi Murai,
Nomura Securities Co., Ltd. Non-consolidated Balance Sheets
ASSETS Non-consolidated Balance Sheets Nomura Securities Co., Ltd. (Millions of yen) March 31, 2014 March 31, 2015 Increase/(Decrease) Current Assets 12,488,887 13,949,399 1,460,512 Cash and time deposits
2005 New York Broker dealer. Diversification of portfolio. 2007 Expansion of Investment Bank, payroll loan and credit cards. Shareholder base 2
OVERVIEW - History 1 1991 Beginning of operations as a multiple bank 2002 Nassau Branch 2005 New York Broker dealer 2009 Beginning of strategic partnership with 2015 Promotiva S.A. (payroll loans origination
Your Target Market. Taking Your Company Global. International Tax & Accounting Services
Your Target Market Taking Your Company Global & Company www.rowbotham.com (415) 433-1177 consulting@rowbotham.com San Francisco Silicon Valley Associated Firms Worldwide International Tax & Accounting
Turkiye IS Bankasi A.S. (ISATR) : Company Profile and SWOT Analysis
Brochure More information from http://www.researchandmarkets.com/reports/2320329/ Turkiye IS Bankasi A.S. (ISATR) : Company Profile and SWOT Analysis Description: This "Turkiye IS Bankasi A.S. (ISATR)
CONSOLIDATED INCOME STATEMENTS
ATTACHMENTS TO THE PRESS RELEASE The consolidated Income Statements, consolidated Statements of Financial Position and the Consolidated Statements of Cash Flows as well as the Net Financial Debt of INWIT,
(amounts in USD/GBP/CYP/MKD/CSD)
@CONSOLIDATED COMPANY @ CODE COMPANY NAME 1045 ALPHA ASSET FINANCE C.I. LTD @TABLE : - ASSETS @FOR THE CONSOLIDATED FINANCIAL STATEMENTS OF ALPHA BANK GROUP 31.12.2005 @ACCOUNT CODE ACCOUNT DESCRIPTION
LIST OF TERMS AND CONDITIONS
KEY OFFERS MEDICIB Health Line Medical Call Centre and Second Medical Opinion service is available free of charge Free Visa Classic primary debit card. The closing fee for MasterCard Gold credit and for
Fees and charges BBVA LONDON BRANCHES
Fees and charges BBVA LONDON BRANCHES 1. Current Account s 2. Transfers 3. Other s 4.Credit and Debit Cards 5. Sale and purchase of Securities As of 1 January 2016 www.bbvauk.com Please let us know if
Product Catalogue of NLB Prishtina- Price List
TERM DEPOSIT CURRENT ACCOUNT PRIVAT INDIVIDUAL BUSINESS Account opening Account authorization 2.00 2.00 Account maintenance (Monthly) Fee for over the counter cash withdrawal (excludes account types for
Brief Report on Closing of Accounts (connection) for the Term Ended March 31, 2007
MARUHAN Co., Ltd. Brief Report on Closing of (connection) for the Term Ended March 31, 2007 (Amounts less than 1 million yen omitted) 1.Business Results for the term ended on March, 2007 (From April 1,
Summarised annual financial statements
79 Summarised annual financial statements The summary presented on pages 81 to 85 of this report has been extracted from the audited annual consolidated financial statements. This report is itself not
Overview of Business Results for the 2nd Quarter of Fiscal Year Ending March 31, 2012 (2Q FY2011)
November 8, 2011 Overview of Business Results for the 2nd Quarter of Fiscal Year Ending March 31, 2012 () Name of the company: Iwatani Corporation Share traded: TSE, OSE, and NSE first sections Company
FINANCING AND PRIVATE SECTOR OPPORTUNITIES IN AFRICA. Fernando Costa Lima
FINANCING AND PRIVATE SECTOR OPPORTUNITIES IN AFRICA Fernando Costa Lima BPI GROUP For corporate clients, BPI outlines a specialised distribution network aiming to fulfil rapidly and efficiently its clients
Rupiah requirement on transactions in Indonesia update
Client Update Rupiah requirement on transactions in Indonesia update Revised June 2015 On 31 March 2015, the Indonesian central bank (Bank Indonesia) issued Bank Indonesia Regulation No. 17/3/PBI/2015
COMPANY PRODUCTS AND SERVICES
COMPANY PRODUCTS AND SERVICES THE WORLD IS WAITING. 1 1 Santander Group. With more than 150 years in the business, Santander has become one of the world's largest financial groups. This has been based
Consolidated Financial Statements 2009
Consolidated Financial Statements 2009 (April 1, 2009 - March 31, 2010) Senkon Logistics Co., Ltd. CONSOLIDATED BALANCE SHEET ASSETS (As of March 31,2009) (As of March 31,2010) Current assets Cash and
PLEASE PRINT THIS PAGE FOR PRESENTATION AT CONFERENCE CREDENTIALS DESK
PLEASE PRINT THIS PAGE FOR PRESENTATION AT CONFERENCE CREDENTIALS DESK -----------------------------------------------------------------------------------------------------------------------------------------------------------
Sappi Limited. Debt Update. September 2014. Sappi Debt Update June 2014
Sappi Limited Debt Update September 2014 1 Forward looking statements Certain statements in this release that are neither reported financial results nor other historical information, are forward-looking
Retail Banking. General Tariff of Charges
Retail General Tariff of Charges Retail General Tariff of Charges BANKING SERVICE CHARGES Account Charges Savings Accounts Monthly minimum balance (monthly average) 20.000 or equivalent amount in foreign
Summary of Financial Results for the Three Months Ended June 30, 2015
Summary of Financial Results for the Three Months Ended June 30, 2015 (Non-Consolidated) August 7, 2015 Company name: JAPAN POST BANK Co., Ltd. Website: http://www.jp-bank.japanpost.jp/
Strategic Planning and Organizational Structure Standard
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
Investment Banking. Nature of operations
Investment Banking Nature of operations Raiffeisenbank s investment banking operations are directed towards local bond issuances and placement, loan syndications arrangement, and the provision of consulting
ARION BANK S H1 2015 FINANCIAL RESULTS
Press release, 26 August 2015 ARION BANK S H1 2015 FINANCIAL RESULTS Arion Bank reported net earnings of ISK 19.3 billion for the first six months of 2015, compared with ISK 17.4 billion for the same period
Annual Report. Relatório & Contas 2013 BANC - Banco Angolano de Negócios e Comércio
Annual Report Relatório & 1 2 3 4 Table of Contents Relatório & 5 6 7 Message from the Chairman of the Board of Directors 1 8 9 1. - Message from the Chairman of the Board of Directors 1.1 - Message from
www.pwc.com/ao Adding value Angolan Tax reform: Be prepared 5 March 2012
www.pwc.com/ao Adding value Angolan Tax reform: Be prepared 5 March 2012 Index Background 3 Investment Income Tax 5 Stamp Tax 8 Consumption Tax 13 PwC Contacts 16 Be prepared PwC 2 Background Background
BANCO INDUSTRIAL DO BRASIL S.A. INSTITUTIONAL PRESENTATION JUNE 2015
BANCO INDUSTRIAL DO BRASIL S.A. INSTITUTIONAL PRESENTATION JUNE 2015 0 CONTENT Overview History Group s Structure Management Assets and Liabilities International Highlights Trade Finance Portfolio Financial
Consolidated Management Indicators
Consolidated Management Indicators Isetan Mitsukoshi Holdings Ltd., Consolidated Subsidiaries and Affiliated Companies Net sales Gross profit Selling, general and administrative expenses Operating income
ICAP GROUP S.A. FINANCIAL RATIOS EXPLANATION
ICAP GROUP S.A. FINANCIAL RATIOS EXPLANATION OCTOBER 2006 Table of Contents 1. INTRODUCTION... 3 2. FINANCIAL RATIOS FOR COMPANIES (INDUSTRY - COMMERCE - SERVICES) 4 2.1 Profitability Ratios...4 2.2 Viability
OPINION OF THE EUROPEAN CENTRAL BANK
EN ECB-PUBLIC OPINION OF THE EUROPEAN CENTRAL BANK of 24 January 2012 on a guarantee scheme for the liabilities of Italian banks and on the exchange of lira banknotes (CON/2012/4) Introduction and legal
Consolidated Financial Results for the nine months of Fiscal Year 2010
Consolidated Financial Results for the nine months of Fiscal Year 2010 (Fiscal Year 2010: Year ending March 31, 2010) Noritake Co., Limited Company Name Stock Exchange Listings Tokyo, Nagoya Code Number
PRESS RELEASE. Board of Directors approves results as of December 31 2014
PRESS RELEASE Board of Directors approves results as of December 31 2014 SOGEFI (CIR GROUP): REVENUES AT OVER 1.3 BLN (+1.1%; +4.7% AT SAME EXCHANGE RATES), NET INCOME AT 3.6 MLN MARGINS LOWER BECAUSE
Whether you seek to BROADEN, DEEPEN, OR SIMPLY REFRESH YOUR SKILLS, Consider F nultima
Whether you seek to BROADEN, DEEPEN, OR SIMPLY REFRESH YOUR SKILLS, Consider F nultima F nultima Our trainers have successfully delivered training programmes for some of the top global organizations (
Banco Santander (Brasil) S.A. 2010 IFRS Results
Banco Santander (Brasil) S.A. 2010 IFRS Results February 3 rd, 2011 Table of Contents 2 Macroeconomic Scenario Strategy Business Results Final Remarks Macroeconomic Scenario 3 Economy resumes growth in
Separate financial statements of the SAES Getters S.p.A. for the year ended December 31, 2013
Separate financial statements of the S.p.A. for the year ended December 31, 2013 161 162 Income Statement ( Notes 2013 2012 Third party net sales 3.531.162 3.802.189 Intercompany net sales 909.638 882.955
Glossary of Accounting Terms Peter Baskerville
Glossary of Accounting Terms Peter Baskerville Account for or 'bring to account': An accounting phrase used to describe the recording of a financial transaction that is required under the generally accepted
Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013
Retail Banking and Wealth Management Fees and Charges with effect from 1 October 2013 About this guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial
26 October 2005 Summary of Non-consolidated Financial Statements for the First Half of the Financial Year Ending 31 March 2006
26 October 2005 Summary of Non-consolidated Financial Statements for the First Half of the Financial Year Ending 31 March 2006 Listed company s name: Shinko Securities Co., Ltd. Listing stock exchanges:
Secure Trust Bank PLC. 2015 INTERIM RESULTS 21st July 2015
Secure Trust Bank PLC 2015 INTERIM RESULTS 21st July 2015 Introduction & business review PAUL LYNAM Chief Executive Officer Strategy continues to deliver Maximise shareholder value: To maximise shareholder
Group's financial performance Getin Holding
Tytuł testowy Group's financial performance Getin Holding H1 2013 Warsaw, 30 August 2013 Getin Holding Group Main events of the quarter and half year in a nutshell PLN 64.0 million net profit 1) for Q2
Closing Announcement of First Quarter of the Fiscal Year Ending March 31, 2009
Member of Financial Accounting Standards Foundation Closing Announcement of First Quarter of the Fiscal Year Ending March 31, 2009 Name of Listed Company: Arisawa Mfg. Co., Ltd. Listed on the 1st Section
LINk Lusophone Investment Network. Leveraging business in the Portuguese-speaking world
LINk Lusophone Investment Network Leveraging business in the Portuguese-speaking world As we created our strategy, Vision 2020, it became clear that a sense of purpose ran strongly through our organization.
1 CONSOLIDATED FINANCIAL STATEMENTS (1) Consolidated Balance Sheets
1 CONSOLIDATED FINANCIAL STATEMENTS (1) Consolidated Balance Sheets As of March 31,2014 As of March 31,2015 Assets Cash and due from banks 478,425 339,266 Call loans and bills bought 23,088 58,740 Monetary
Accounts. EGP 50 for every current account below EGP Minimum balance Commission
Minimum Opening Balance. Current account opening fees Saving account opening fees without having other opened accounts Account annual fees Statement of Account fees. Accounts EGP 10000 or its equivalent
Consolidated financial summary
1-8-1 Marunouchi Chiyoda-ku Tokyo 100-8289, Japan (URL http://www.daiwasmbc.co.jp/) Consolidated financial summary (For fiscal year ended March 31, 2005) April 27, 2005 (1)Consolidated Operating results
Prosegur 9M 2013 Results
Prosegur 9M 2013 Results November 12th, 2013 Compañía de Seguridad S.A. all rights reserved 1 Highlights in the period The transfer to clients of the increase in the labour costs in Brazil (ARV) is being
CONSOLIDATED FINANCIAL REPORT FIRST QUARTER FISCAL 2009
CONSOLIDATED FINANCIAL REPORT FIRST QUARTER FISCAL 2009 (March 1, 2009 to May 31, 2009) July 9, 2009 F&A Aqua Holdings, Inc. is listed on the First Section of the Tokyo Stock Exchange under the securities
Total Capital International Period from January 1 to March 31, 2014
KPMG Audit ERNST & YOUNG Audit This is a free translation into English of a report issued in French and it is provided solely for the convenience of English-speaking users. This report should be read in
Corporate and Investment Banking Tariff Guide Domestic Business. Effective 1 October 2013
Tariff Guide Effective 1 October 2013 This Tariff Guide details hereunder the charges applicable to transactions offered by Standard Bank (Mauritius) Limited as from 1 October 2013. The bank reserves
Institutional Presentation June 13
Institutional Presentation June 13 BB Seguridade Largest Insurance, Pension and Premium Bonds Company in Latin America Fast Growing with High Profitability Largest Insurance Broker in Latin America Largest
Ceska sporitelna General Presentation of CS Financial Group
Ceska sporitelna General Presentation of CS Financial Group Presentation Topics Ceska sporitelna s Development History Current market position Erste Group CS Group Product Offerings Retail clients Corporate
Subject: Preliminary consolidated financial statements of the Capital Group of Bank Handlowy w Warszawie S.A. for the 2014
Warsaw, February 12, 2015 Subject: Preliminary consolidated financial statements of the Capital Group of Bank Handlowy w Warszawie S.A. for the 2014 Legal basis: Art. 5 section 1 item 25) of the Ordinance
Schedule of fees and charges for business customers
Schedule of fees and charges for business customers Effective 23 February 2015 Bank of Ireland is regulated by the Central Bank of Ireland. 37-560RU.35(02/15) Schedule of fees and charges Contents Introduction
RATES AND CHARGES. Businesses. Applicable to customers at 1st February 2015 BANK AUDI FRANCE
RATES AN Businesses Applicable to customers at 1st February 2015 BANK AUI FRANCE 1 1- STANAR EXTRACT OF PRICES VALUE Account maintenance fee Internet banking subscription Card fee for Carte Bleue Visa
Consolidated Financial Results
UFJ Holdings, Inc. November 25, 2003 For the Six Months Ended September 30, 2003 UFJ Holdings, Inc. today reported the company's consolidated financial results for the six months ended September 30, 2003.
BANCO INDUSTRIAL DO BRASIL S.A. INSTITUTIONAL PRESENTATION JUNE 2014
BANCO INDUSTRIAL DO BRASIL S.A. INSTITUTIONAL PRESENTATION JUNE 2014 0 CONTENT Overview History Group s Structure Management Assets and Liabilities International Highlights Trade Finance Portfolio Financial
DISCLOSURE REQUIRED BY BUREAU OF MONETARY AFFAIRS
DISCLOSURE REQUIRED BY BUREAU OF MONETARY AFFAIRS Disclosures regulated in directives No. 89760330, No. 89764532 and No. 0936000140 issued by the Ministry of Finance were as follows: 1. Balance Sheet and
Account Charges Leaflet
Account Charges Leaflet Your guide to charges you can expect on your Co-operative Bank Personal Current Accounts and any savings account linked to a Privilege Account, Privilege Premier Account or Current
United Kingdom. From: OECD Banking Statistics: Methodological Country Notes 2010
From: OECD Banking Statistics: Methodological Country Notes 2010 Access the complete publication at: http://dx.doi.org/10.1787/9789264089907-en United Kingdom Please cite this chapter as: OECD (2011),
Ricoh Company, Ltd. INTERIM REPORT (Non consolidated. Half year ended September 30, 2000)
Ricoh Company, Ltd. INTERIM REPORT (Non consolidated. Half year ended September 30, 2000) *Date of approval for the financial results for the half year ended September 30, 2000, at the Board of Directors'
ARION BANK S 2014 FINANCIAL RESULTS
Press release, 24 February 2015 ARION BANK S 2014 FINANCIAL RESULTS Arion Bank reported net earnings of ISK 28.7 billion for the year 2014, compared with ISK 12.7 billion for the year 2013. Return on equity
3Q11. Insurance premiums grow 9.6% to R$2.4 billion in 3Q11. Highlights. Conference Calls and Webcasts:
3Q11 Rio de Janeiro, November 3 rd, 2011 - SulAmérica S.A. (BM&FBovespa: SULA11), the largest independent insurance group in Brazil, presents its results for the third quarter of 2011 (3Q11). The Company
Nordea Bank AB Lithuania branch Price List for corporate customers Valid from 1 st of September, 2016. Contents
Contents DAILY BANKING... 2 BANK ACCOUNTS...2 ELECTRONIC SERVICES...2 Nordea Electronic Banking... 2 Nordea Internetbank for... 2 Package of daily banking services for corporate... 2 Web Service channel...
Commercial Financial Services: Industry Specialization and Solutions for Working Capital Issues. October 6 th, 2014
Commercial Financial Services: Industry Specialization and Solutions for Working Capital Issues October 6 th, 2014 Who we are: Vision Always earning the right to be our clients' first choice. Strategic
Chapter 1. Introduction to Accounting and Business
1 Chapter 1 Introduction to Accounting and Business Learning Objective 1 Describe the nature of a business, the role of accounting, and ethics in business. Nature of Business and Accounting A business
Role of Financial Information in Global Credit Decision-Making
Role of Financial Information in Global Credit Decision-Making Speaker Edwin Bell, PhD, CICP, ICCE Date June 15 th, 2016 Time 2:00 3:00pm Session Number 25080 Going Global Series Role of Financial Information
Supplementary Material on Consolidated Financial Results for the First Six Months of the Fiscal Year Ending December 31, 2015
Supplementary Material on Consolidated Financial Results for the First Six Months of the Fiscal Year Ending December 31, 2015
698 Net Assets... 12,093 million Own Funds... 1,000 million Banking Product... 424 million Net Profit... 43 million Tier 1 Solvency Ratio...
Your partner in Portugal celebrates its 100th Birthday February 2011 31st December 2009 Institutional Snapshot Associated Caixas... Branches... 85 (Feb 2011) 85 698 (Feb 2011) 698 Net Assets... 12,093
BANCO DE GALICIA Y BUENOS AIRES S.A. REPORTS EARNINGS FOR THE QUARTER ENDED MARCH 31, 2014
FOR IMMEDIATE RELEASE Banco de Galicia y Buenos Aires S.A. Phone (54) (11) 6329-6430 Fax (54) (11) 6329-6494 www.bancogalicia.com BANCO DE GALICIA Y BUENOS AIRES S.A. REPORTS EARNINGS FOR THE QUARTER ENDED
Cape Verde Tali Asias
Cape Verde Tali Asias 1 Brief History: Cape Verde, an archipelago located off the west coast of Africa, is a stable multi party parliamentary democracy in which power has changed hands peacefully since
BANCO BPI CONSOLIDATED RESULTS IN THE 1 ST QUARTER 2016
BANCO BPI, S.A. Publicly held company Share capital: 1 293 063 324.98 Registered in Oporto C.R.C. and corporate body no. 501 214 534 Head Office: Rua Tenente Valadim, no.284, Porto, Portugal www.ir.bpi.pt
Financial supplement 2013. Zurich Insurance Group Annual Report 2013
Financial supplement 2013 Zurich Insurance Group Annual Report 2013 2 Contents Results for the Year ended December 31, 2013 Financial supplement (unaudited) Financial highlights (unaudited) Business operating
Agenda. Traditional Financing
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
Consolidated and Non-Consolidated Financial Statements
May 13, 2016 Consolidated and Non-Consolidated Financial Statements (For the Period from April 1, 2015 to March 31, 2016) 1. Summary of Operating Results (Consolidated) (April 1,
5. Provisions for decrease in value of marketable securities (-)
Balance sheet ASSETS I. CURRENT ASSETS A. Liquid Assets: 1. Cash. 2. Cheques received. 3. Banks. 4. Cheques given and payment orders (-). 5. Other liquid assets. B. Marketable Securities: 1. Share certificates.
CA CPT SAMPLE PAPER FUNDAMENTAL ACCOUNTING (60MARKS)
CA CPT SAMPLE PAPER FUNDAMENTAL ACCOUNTING (60MARKS) 1. Which of the following provide frame work and accounting policies so that the financial statements of different enterprises become comparable? (a)
Certified Financial Management Professional VS-1201
Certified Financial Management Professional VS-1201 Certified Financial Management Professional Certified Financial Management Professional Certification Code VS-1201 Vskills certification for Financial
CENTRAL BANK OF NIGERIA
CENTRAL BANK OF NIGERIA Guidance Notes on the Calculation of Capital Requirement for Operational Risk Basic Indicator Approach (BIA) and the Standardized Approach (TSA) TABLE OF CONTENTS OPERATIONAL RISK
We are Commerzbank Financial Institutions
We are Commerzbank Financial Institutions A team of highly qualified professionals, convincing worldwide through commitment and excellence. Advanced Markets CEE, Russia, CIS, Baltics Asia Middle East FI
CONSOLIDATED FINANCIAL HIGHLIGHTS
CONSOLIDATED FINANCIAL HIGHLIGHTS January 28, 2015 Nintendo Co., Ltd. 111 Hokotatecho, Kamitoba, Minamiku, Kyoto 6018501 Consolidated Results for the Nine Months Ended December 2013 and 2014 (1) Consolidated
Institutional Presentation 1Q13
Institutional Presentation BB Seguridade Largest Insurance, Pension and Premium Bonds Company in Latin America Fast Growing with High Profitability Largest Insurance Broker in Latin America Largest Life
TABLE OF CONTENTS 007 MANAGEMENT REPORT 008 AT A GLANCE 010 KEY FIGURES 012 MESSAGE FROM THE CHAIRMAN 014 MESSAGE FROM THE CEO 018 1. THE SONAE GROUP 019 1.1. CORPORATE PROFILE 026 1.2. GOVERNING BODIES
Overview Presentation
213 Overview Presentation OTP Group OTP Bank is the largest retail bank in Hungary and one of the largest financial groups in Central and Eastern Europe OTP Bank provides high quality financial solutions