Bilancio Ing 2006 Parte 1
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Instructions and Methods of Completing Payment Orders
1 INSTRUCTIONS AND METHODS OF COMPLETING The Payer shall enter the following data into the fields marked with the »Payer« inscription: PAYMENT ORDERS - IBAN, which is Payer’s account number, I. Purpose - Reference, The Instructions and methods of completing payment orders form part of the - Name and address, General Terms and Conditions and are intended for the user of payment - The purpose code, which is published and available on the web page services. The main function of payment services is fast and quality transfer of http://www.zbs-giz.si/news.asp?StructureId=886&ContentId=1889 funds. Speed and quality of conducting payment services depend on a large - Purpose of payment/Deadline for payment and extent on accuracy of data, contained in payment orders. Incomplete data do - Payer’s signature and optionally a stamp if the Payer decides to use the not ensure enough information for booking and processing payment orders, stamp. at the same time they cause additional costs due to longer procedure of acquiring additional information, processing claims and consequently time The Recipient shall enter the following data into the fields marked with the delays at booking. »Recipient« inscription: - Amount, Within the Bank Association of Slovenia, technical standards for the UPN – Universal Payment Order (hereinafter referred to as: UPN) have been prepared. - Date of payment in the DDMMLLLL form, For conducting domestic internal, cross-border and other international - BIC of the Recipient’s bank - optional, payment transactions, internal forms are also in use at the Bank. In - IBAN (SI56 is denomination for Slovenia, for cross-border payments continuation, instructions and methods of correct completing of payment appropriate code shall be used), which is Recipient’s account number, orders and forms are provided. -
INTESA SANPAOLO S.P.A
Level: 6 – From: 6 – Thursday, February 15, 2007 – 9:53 am – mac5 – 3632 Intro : 3632 Intro PROSPECTUS 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 Ireland p.l.c., as Guarantor and INTESA BANK IRELAND p.l.c. (incorporated with limited liability in Ireland under registered number 217741) and SANPAOLO IMI BANK IRELAND p.l.c. (incorporated with limited liability in Ireland under registered number 125216) as Issuers €35,000,000,000 Global Medium Term Note Programme ___________________________________ Under the €35,000,000,000 Global Medium Term Note Programme (the “Programme”) described in this Prospectus, Intesa Sanpaolo S.p.A. (“Intesa Sanpaolo”), Intesa Bank Ireland p.l.c. (“IBI”) and Sanpaolo IMI Bank Ireland p.l.c. (“Sanpaolo IMI Bank Ireland”) (together, the “Issuers” and, each of them, an “Issuer”) may issue notes (“Notes”) on a continuing basis to one or more of the Dealers named on page 31 and any additional Dealer appointed under the Programme from time to time (each a “Dealer” and together the “Dealers”). References in this Prospectus to the “relevant Dealer” shall be, in the case of an issue of Notes to more than one Dealer, to the lead manager of such issue and, in the case of an issue of Notes to one Dealer, to such Dealer. The Notes will be constituted by an amended and restated trust deed dated 15th February, 2007 (as amended, supplemented and/or restated from time to time, the “Trust Deed”) between the Issuers and The Law Debenture Trust Corporation p.l.c. -
Türk Eximbank Uygulamalarinda Risk
T.C İSTANBUL TİCARET ÜNİVERSİTESİ DIŞ TİCARET ENSTİTÜSÜ ULUSLARARASI TİCARET HUKUKU VE AB ANABİLİM DALI TÜRK EXİMBANK UYGULAMALARINDA RİSK YÖNETİMİ YÜKSEK LİSANS TEZİ SILANUR ÇIRAK Danışman Dr. Öğr. Üyesi V. Ferhan BENLİ İstanbul, 2018 ÖNSÖZ Çalışmalarım sırasında benden manevi desteklerini esirgemeyen sevgili babam Hayati ÇIRAK'a, annem Şükran ÇIRAK'a, kardeşim Emrah ÇIRAK'a ve arkadaşım Gökhan ÖZEN'e en içten teşekkürlerimi sunmayı bir borç bilirim. ÖZET Risk Yönetimi temel olarak işletmelerin varlığını sürdürmeye yönelik olası tehditleri tespit edip değerlendirerek önlemeyi veya minimize etmeyi amaçlayan bir sistemler bütünüdür. Bu kavram hayatımıza, 2001 yılında ülkemizde yaşanan Bankacılık Krizi ile girmiş ve Bankacılık Düzenleme ve Denetleme Kurulu'nun(BDDK) benimsediği uluslararası Basel Kriterleri ile tanınır hale gelmiştir. Türk Eximbank'ın ana hedef kitlesi Türkiye'de yerleşik ihracatçılar, ihracat odaklı üretim yapan imalatçılar ile yurtdışında etkinlik gösteren müteahhitler ve girişimciler olmakla birlikte Banka, ilgili gruplara kredi, sigorta ve garanti hizmetleri vermektedir. Bu çerçevede geniş yelpazede hizmet sunan Türk Eximbank'ta olası risklere karşı bütüncül ve uluslararası normlara uygun politikalar belirlenerek banka faaliyetleri ile ilgili riskler yönetilmeye çalışılmaktadır. Bu çalışmada ilk bölümde; Eximbank'ların Dünya Ticaret Finansmanındaki Rolü ve Önemi, Türk Eximbank’ı ticari bankalardan ayıran ve iş modeli ile risk yönetimi politikasını doğrudan etkileyen özellikleri ve Basel prensipleri incelenmiştir. Ayrıca -
SDH and NLB Announce Intention to Proceed with an Initial Public
THIS RELEASE (AND THE INFORMATION CONTAINED HEREIN) IS NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, IN OR INTO OR WITHIN THE UNITED STATES OF AMERICA, AUSTRALIA, CANADA, JAPAN OR ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE THIS ANNOUNCEMENT. THIS RELEASE (AND THE INFORMATION CONTAINED HEREIN) DOES NOT CONTAIN OR CONSTITUTE AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO PURCHASE ANY SECURITIES IN THE UNITED STATES, AUSTRALIA, CANADA OR JAPAN OR ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION OR OFFER IS UNLAWFUL. This announcement is an advertisement for the purposes of the Prospectus Rules of the UK Financial Conduct Authority ("FCA") and Slovenian Financial Instruments Market Act and not a prospectus and not an offer to sell, or a solicitation of an offer to subscribe for or to acquire, securities in the United States or in any other jurisdiction, including in or into the United States, Australia, Canada or Japan. Neither this announcement nor anything contained herein shall form the basis of, or be relied upon in connection with, any offer or commitment whatsoever in any jurisdiction. These materials do not contain or constitute an offer of securities for sale, or the solicitation of an offer to purchase securities, in the United States. The securities referred to herein have not been and will not be registered under the US Securities Act of 1933, as amended (the "Securities Act") or under the securities laws of any state or other jurisdiction of the United States, and may not be offered or sold in the United States absent registration under the Securities Act, or pursuant to an available exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and applicable state securities law. -
Intesa Sanpaolo Spa
EMEA Issuer Profile 11 February 2021 Intesa Sanpaolo SpA Senior Outlook Unsecured William Hahn Moody’s Baa1 Negative Credit Research +44 20 7597 8355 S&P BBB Negative [email protected] Fitch BBB- Stable Source: Moody’s, S&P and Fitch Background and ownership Intesa Sanpaolo SpA (‘ISP’) was formed through the merger of Banca Intesa and Intesa – Key Data Sanpaolo IMI in January 2007. In 2018, Intesa announced its intention to merge with its investment-banking subsidiary Banca IMI by incorporation, which was completed in July FY20 2020. In keeping with the bank’s articulated growth strategy, Intesa made a bid for Total Assets (€bn) 1,002 domestic rival and Italy’s fifth largest bank, UBI Banca, in early 2020 and acquired full control in late-July 2020. The merger into the parent company is expected to be finalised Loan Book (€bn) 461.5 by 2Q21. With total assets of €1tr at end-2020, Intesa has become the largest banking group in Italy, ahead of the more internationally active UniCredit group. Loans to Deposits (%) 87.9 Cost to Income (%) 52.2 ISP’s activities are predominantly domestically focused where it is the market leader in retail banking, corporate banking and wealth management, with domestic market shares Net Profit (€m) 3,277 (incl. UBI) of 21% in customer loans, 22% in deposits, 25% in asset management and 24% in pension funds. ISP has also developed a sound retail banking presence in Central LCR (%) >100 and Eastern Europe (CEE) and the Middle East and North Africa (MENA) with total assets FL CET1 (%) 15.4 and lending activities making up 6% and 8.4% of the group’s total respectively. -
International Research Forum on Monetary Policy, Third Conference
International Research Forum on Monetary Policy, Third Conference ECB, 20 and 21 May 2005 List of participants Name Affiliation E-mail Adam, K European Central Bank [email protected] Amato, J Bank for International Settlements [email protected] Angeloni, I European Central Bank [email protected] Angenendt, U BHF-Bank AG [email protected] Arce, O Banco de España [email protected] Bacchetta, P Study Center Gerzensee [email protected] Bastian, P German-American Fullbright [email protected] Commission Batini, N International Monetary Fund [email protected] Beyer, A European Central Bank [email protected] Billi, R Center for Financial Studies [email protected] Binder, M Goethe University [email protected] Brand, C European Central Bank [email protected] Broyer, C Allianz Group/Dresdner Bank [email protected] Bruggeman, A National Bank of Belgium [email protected] Buiter, W European Bank for Reconstruction and [email protected] Development Bullard, J Federal Reserve Bank of Saint Louis [email protected] Canzoneri, M Georgetown University [email protected] Castren, O European Central Bank [email protected] Catenaro, M European Central Bank [email protected] Christoforatos, F European Central Bank [email protected] Coenen, G European Central Bank [email protected] Corsetti, G European University Institute [email protected] Dabusinskas, A Bank of Estonia [email protected] Dale, S Bank of England [email protected] -
International Directory of Deposit Insurers
Federal Deposit Insurance Corporation International Directory of Deposit Insurers September 2015 A listing of addresses of deposit insurers, central banks and other entities involved in deposit insurance functions. Division of Insurance and Research Federal Deposit Insurance Corporation Washington, DC 20429 The FDIC wants to acknowledge the cooperation of all the countries listed, without which the directory’s compilation would not have been possible. Please direct any comments or corrections to: Donna Vogel Division of Insurance and Research, FDIC by phone +1 703 254 0937 or by e-mail [email protected] FDIC INTERNATIONAL DIRECTORY OF DEPOSIT INSURERS ■ SEPTEMBER 2015 2 Table of Contents AFGHANISTAN ......................................................................................................................................6 ALBANIA ...............................................................................................................................................6 ALGERIA ................................................................................................................................................6 ARGENTINA ..........................................................................................................................................6 ARMENIA ..............................................................................................................................................7 AUSTRALIA ............................................................................................................................................7 -
List of Certain Foreign Institutions Classified As Official for Purposes of Reporting on the Treasury International Capital (TIC) Forms
NOT FOR PUBLICATION DEPARTMENT OF THE TREASURY JANUARY 2001 Revised Aug. 2002, May 2004, May 2005, May/July 2006, June 2007 List of Certain Foreign Institutions classified as Official for Purposes of Reporting on the Treasury International Capital (TIC) Forms The attached list of foreign institutions, which conform to the definition of foreign official institutions on the Treasury International Capital (TIC) Forms, supersedes all previous lists. The definition of foreign official institutions is: "FOREIGN OFFICIAL INSTITUTIONS (FOI) include the following: 1. Treasuries, including ministries of finance, or corresponding departments of national governments; central banks, including all departments thereof; stabilization funds, including official exchange control offices or other government exchange authorities; and diplomatic and consular establishments and other departments and agencies of national governments. 2. International and regional organizations. 3. Banks, corporations, or other agencies (including development banks and other institutions that are majority-owned by central governments) that are fiscal agents of national governments and perform activities similar to those of a treasury, central bank, stabilization fund, or exchange control authority." Although the attached list includes the major foreign official institutions which have come to the attention of the Federal Reserve Banks and the Department of the Treasury, it does not purport to be exhaustive. Whenever a question arises whether or not an institution should, in accordance with the instructions on the TIC forms, be classified as official, the Federal Reserve Bank with which you file reports should be consulted. It should be noted that the list does not in every case include all alternative names applying to the same institution. -
Bank of Slovenia Activities in 2002 and 2003 22
CONTENTS 1. INTRODUCTION AND SUMMARY 3 2. INFLATION TRENDS 6 3. BANK OF SLOVENIA ACTIVITIES IN 2002 AND 2003 22 4. ECONOMIC FORECASTS TO THE END OF 2004 33 5. MONETARY POLICY CONDUCT AND SHORT-TERM ORIENTATION 57 Appendix 2 1. INTRODUCTION AND SUMMARY In November 2001 the Governing Board of the Bank of Slovenia approved and announced a clear-cut medium-term policy orientation: to put in place the conditions for joining the Economic and Monetary Union (EMU) at the earliest opportunity. Pursuit of this aim is the most effective way for the Bank of Slovenia to fulfil the task of achieving price stability laid down for it in the Law on the Bank of Slovenia. In line with this medium-term orientation, the Bank of Slovenia committed itself to concentrating on bringing inflation down. The Bank also undertook to prepare a regular inflation report as a way of reporting publicly on the implementation of its short-term monetary stance. This will contribute to greater transparency in the implementation of monetary policy. * * * Inflation did not fall as quickly as desired last year. It was clear after a few months that there was very little likelihood of achieving the desired rate of inflation at the end of the year and we drew attention to this in our October report. However, we consider the inflationary pressures of last year to be only temporary in nature and therefore expect the rapid reduction in inflation achieved at the beginning of this year to continue, with the rate coming down to around 5% at the end of the year. -
EBA Recommendation on the Creation and Supervisory Oversight of Temporary Capital Buffers to Restore Market Confidence
EBA BS 2011 173 EBA Recommendation on the creation and supervisory oversight of temporary capital buffers to restore market confidence (EBA/REC/2011/1) London, 8 December 2011 1 Contents I. EBA Recommendation on the creation and supervisory oversight of temporary capital buffers to restore market confidence ............................... 3 II. Form for competent authorities’ confirmation of compliance with the recommendation .................................................................................. 22 2 I. EBA Recommendation on the creation and supervisory oversight of temporary capital buffers to restore market confidence Status of the Recommendation 1. This document contains a Recommendation issued on the combined legal bases of Article 16(1), Article 21(2)(b) and Article 31 of Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority), amending Decision No 716/2009/EC and repealing Commission Decision 2009/78/EC (EBA Regulation). In accordance with Article 16(3) of the EBA Regulation, competent authorities must make every effort to comply with the Recommendation. 2. The Recommendation includes the EBA‟s view of appropriate supervisory practice within the European System of Financial Supervision and of how Union law should be applied in a particular area. The EBA therefore expects all competent authorities to whom the recommendation applies to comply with it. Competent authorities to whom the recommendation applies should comply by incorporating it into their supervisory requirements and practices in line with the EBA‟s ongoing coordination of the capitalisation exercise. Reporting Requirements 3. Competent authorities must notify EBA whether they comply or intend to comply with this Recommendation, or, with reasons for non-compliance, by 8 February 20121. -
2018 Annual Report ANNUAL REPORT 2018 TABLE of CONTENTS BUSINESS REPORT FINANCIAL REPORT
2018 Annual Report ANNUAL REPORT 2018 TABLE OF CONTENTS BUSINESS REPORT FINANCIAL REPORT Table Of Contents BUSINESS REPORT Intesa Sanpaolo Bank at a glance 9 Milestones in the Bank’s corporate history 11 Management overview 12 1. MANAGEMENT BOARD’S FOREWORD 12 2. REPORT OF THE SUPERVISORY BOARD 14 3. BODIES OF CORPORATE GOVERNANCE 18 4. ECONOMIC AND BANKING ENVIRONMENT 19 5. AN OVERVIEW OF THE BANK’S OPERATIONS IN 2018 20 5.1 LENDING OPERATIONS 20 5.2 DEPOSITS 21 5.3 OTHER SERVICES 21 5.3.1 Card operations 21 5.3.2 Marketing and sale of mutual investment funds 22 5.3.3 Leasing 22 5.3.4 Open-ended mutual pension funds by Intesa Sanpaolo Bank 22 5.3.5 Depositary banking 23 6. THE BANK’S ORGANIC GROWTH AND DEVELOPMENT 24 6.1 CAPITAL INVESTMENTS 24 6.2 INFORMATION TECHNOLOGY AND TECHNOLOGICAL DEVELOPMENT 24 7. ACTIVITIES IN THE FIELD OF SUSTAINABLE DEVELOPMENT 25 7.1 RESPONSIBILITY TOWARDS EMPLOYEES 25 7.1.1 Training programmes 25 7.1.2 Development of key personnel 25 7.1.3 Concern for and dialogue with employees 26 7.2 RESPONSIBILITY TOWARDS CUSTOMERS 26 7.3 CORPORATE SOCIAL RESPONSIBILITY 26 8. TERRITORIAL CHART OF COMMERCIAL UNITS 27 9. INTERNAL ORGANISATION CHART 28 10. THE CORPORATE GOVERNANCE STATEMENT OF BANKA INTESA SANPAOLO D.D. 29 FINANCIAL REPORT Independent auditors’ report on financial statements 36 Statement of management’s responsibilities 43 Financial statements 44 1. INCOME STATEMENT 44 2. STATEMENT OF COMPREHENSIVE INCOME 45 3. STATEMENT OF FINANCIAL POSITION 46 4. STATEMENT OF CHANGES IN EQUITY 47 5. -
NLB Group Presentation Audited Results 2017 Disclaimer
NLB Group Presentation Audited results 2017 Disclaimer THIS PRESENTATION AND ITS CONTENTS ARE NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, IN OR INTO OR FROM THE UNITED STATES OF AMERICA, CANADA, AUSTRALIA OR JAPAN, OR TO ANY RESIDENT THEREOF, OR ANY JURISDICTION WHERE SUCH DISTRIBUTION IS UNLAWFUL. This presentation includes forward-looking statements within the meaning of the safe-harbour provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements typically use terms such as "believes", "targets", "aims", "projects", "anticipates", "expects", "intends", "plans", "may", "will", "would", "could" or "should" or similar terminology. Statements in this presentation that are not historical facts are forward-looking statements, including statements relating to the intentions, beliefs or current expectations and projections of Nova Ljubljanska banka d.d., Ljubljana ("NLB") about its future results of operations, financial condition, liquidity, performance, prospects, anticipated growth, provisions, impairments, strategies and opportunities, as well as potential developments in the legal and regulatory environment to which NLB is subject and developments in the markets in which NLB operates, including changes in interest rates, inflation, foreign exchange rates, demographics, and any assumptions underlying any such statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. These forward-looking statements are based on NLB's beliefs, assumptions and current expectations regarding future events and trends that affect NLB’s future performance, taking into account all information currently available to NLB, and are not guarantees of future performance.