2013 Annual Report and Accounts
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2 Bayernlb Group's Income Statement Consolidated Balance Sheet
2 BayernLB Group’s Income statement consolidated Balance sheet financial statements Statement of changes in equity Cash flow statement Notes Responsibility statement by the Board of Management Auditor’s Report BayernLB Group’s consolidated financial statements 77 > Income statement Bayerische Landesbank for the period from 1 January to 31 December 2008 Notes 2008 2007 EUR million EUR million EUR million Interest income 22,158 19,766 Interest expenses -19,488 -17,577 Net interest income (25) 2,670 2,189 Risk provisions for the credit business (26) -1,656 -115 Net interest income after risk provisions 1,014 2,074 Commission income 1,114 859 BayernLB Group’s consolidated financial statements Commission expenses -531 -479 Net commission income (27) 584 380 Gains or losses on fair value measurement (28) -2,138 -257 Gains or losses on hedge accounting (29) -136 27 Gains or losses on investments (30) -1,933 -466 Income from interests in companies valued at equity 9 130 Administrative expenses (31) -2,620 -1,765 Other income (32) 141 136 Operating profit/loss -5,079 259 Restructuring expenses (33) -87 -4 Gains or losses on ordinary activities/ Earnings before taxes -5,166 255 Income taxes (34) -191 -80 Earnings after taxes -5,358 175 Minority interests 274 -83 Consolidated net income/loss -5,084 92 Figures in the tables may be rounded by ± one unit 79 > Balance sheet Bayerische Landesbank as at 31 December 2008 Notes 2008 2007 Assets EUR million EUR million Cash reserves (8, 35) 3,796 4,207 Loans and advances to banks (9, 36) 89,638 68,311 Loans -
MUFG Americas Holdings Corporation
MUFG Americas Holdings Corporation Investor Presentation for the Year Ended December 31, 2019 MUFG Americas Holdings Corporation Forward-Looking Statements and Non-GAAP Financial Measures This presentation describes activities of MUFG Americas Holdings Corporation and its consolidated subsidiaries (the Company) unless otherwise specified. This presentation should be read in conjunction with the financial statements, notes and other information contained in the Company’s most recent annual report on Form 10-K and Quarterly Reports on Forms 10-Q and in any subsequent filings with the Securities and Exchange Commission (SEC). The following appears in accordance with the Private Securities Litigation Reform Act. This presentation includes forward-looking statements that involve risks and uncertainties. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. Often, they include the words “believe,” “expect," “target,” “anticipate,” “intend,” “plan,” “seek," "estimate,” “potential,” “project,” "forecast," "outlook," or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” "might," or “may.” They may also consist of annualized amounts based on historical interim period results. There are numerous risks and uncertainties that could and will cause actual results to differ materially from those discussed in the Company’s forward-looking statements. Many of these factors are beyond the Company’s ability to control or predict and could -
MUFG Americas Holdings Corporation (MUAH)
MUFG Americas Holdings Corporation (MUAH) Investor Presentation for the Quarter Ended December 31, 2020 MUFG Americas Holdings Corporation Forward-Looking Statements and Non-GAAP Financial Measures This presentation describes activities of MUFG Americas Holdings Corporation and its consolidated subsidiaries (the Company) unless otherwise specified. This presentation should be read in conjunction with the financial statements, notes and other information contained in the Company’s most recent annual report on Form 10-K and Quarterly Reports on Forms 10-Q and in any subsequent filings with the Securities and Exchange Commission (SEC). The following appears in accordance with the Private Securities Litigation Reform Act. This presentation includes forward-looking statements that involve risks and uncertainties. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. Often, they include the words “believe,” “expect," “target,” “anticipate,” “intend,” “plan,” “seek," "estimate,” “potential,” “project,” "forecast," "outlook," or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” "might," or “may.” They may also consist of annualized amounts based on historical interim period results. There are numerous risks and uncertainties that could and will cause actual results to differ materially from those discussed in the Company’s forward-looking statements. Many of these factors are beyond the Company’s ability to control or predict -
First Investment Bank AD (Joint Stock Company Incorporated in Bulgaria)
First Investment Bank AD (joint stock company incorporated in Bulgaria) EUR 40,000,000 12.75% perpetual, subordinated, unsecured bonds (the "Bonds") Issue Price: 100% First Investment Bank AD (the "Issuer"), a joint stock company incorporated in Bulgaria, having its registered office at 37 Dragan Tsankov Boulevard, 1797 Sofia, Bulgaria, has issued the Bonds. The Bonds bear interest at the rate of 12.75% per annum, subject to the terms and conditions of the Bonds (as described in this Prospectus). Interest on the Bonds is payable annually in arrear on 1 May of each year. The Bonds are perpetual. Central Depository AD is expected to act as paying agent and Banque Internationale à Luxembourg SA is acting as listing agent in Luxembourg. The Bonds were issued in registered and dematerialised form in denominations of EUR 50,000 each. This listing prospectus dated 3 September 2014 (the "Prospectus") was approved on 3 September 2014 by the Commission de Surveillance du Secteur Financier (the "CSSF") in its capacity as competent authority under the Luxembourg law dated 10 July 2005 relating to prospectus for securities, as amended (the "Luxembourg Prospectus Law"). This approval cannot be considered as a judgment as to the opportunity or the quality of the transaction, nor on the situation of the Issuer and the CSSF gives no undertaking as to the economic and financial soundness of the transaction and the quality or solvency of the Issuer, in line with the provisions of article 7 (7) of the Luxembourg Prospectus Law. Application has been made to the Luxembourg Stock Exchange for the Bonds to be listed on the official list of the Luxembourg Stock Exchange and to be admitted to trading on the regulated market of the Luxembourg Stock Exchange. -
2Q20 MUAH Investor Presentation
MUFG Americas Holdings Corporation (MUAH) Investor Presentation for the Quarter Ended June 30, 2020 MUFG Americas Holdings Corporation Forward-Looking Statements and Non-GAAP Financial Measures This presentation describes activities of MUFG Americas Holdings Corporation and its consolidated subsidiaries (the Company) unless otherwise specified. This presentation should be read in conjunction with the financial statements, notes and other information contained in the Company’s most recent annual report on Form 10-K and Quarterly Reports on Forms 10-Q and in any subsequent filings with the Securities and Exchange Commission (SEC). The following appears in accordance with the Private Securities Litigation Reform Act. This presentation includes forward-looking statements that involve risks and uncertainties. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. Often, they include the words “believe,” “expect," “target,” “anticipate,” “intend,” “plan,” “seek," "estimate,” “potential,” “project,” "forecast," "outlook," or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” "might," or “may.” They may also consist of annualized amounts based on historical interim period results. There are numerous risks and uncertainties that could and will cause actual results to differ materially from those discussed in the Company’s forward-looking statements. Many of these factors are beyond the Company’s ability to control or predict and -
Bayernlb 2013 Annual Report and Accounts
BayernLB Group BayernLB at a glance Income statement (IFRS) 2013 EUR million 1 Jan-31 Dec 2013 1 Jan-31 Dec 2012 Change in % Net interest income 1,919 1,907 0.7 Risk provisions in the credit business – 653 – 459 42.5 Net interest income after risk provisions 1,266 1,448 – 12.6 2013 Annual Report and Accounts Net commission income 289 260 11.0 Gains or losses on fair value measurement 271 299 – 9.3 Annual Report Gains or losses on hedge accounting – 27 3 – Gains or losses on financial investments 74 3 >100 Income from interests in companies measured at equity 40 – 38 – Administrative expenses – 1,533 – 1,639 – 6.5 Expenses for bank levies – 51 – 53 – 3.8 and Accounts Other income and expenses 89 421 – 78.9 Gains or losses on restructuring – 164 – 62 >100 Profit before taxes 253 642 – 60.6 Cost/income ratio (CIR) 57.7 % 57.4 % 0.3 pp1 Return on equity (RoE) 1.7 % 5.2 % -3.5 pp1 Consolidated financial statements Facts. Figures. Balance sheet (IFRS) EUR million 31 Dec 2013 31 Dec 2012 Change in % Total assets 255,601 286,864 – 10.9 Business volume 298,525 330,330 – 9.6 Credit volume 193,573 207,771 – 6.8 Total deposits 157,374 161,340 – 2.5 Securitised liabilities 52,964 60,319 – 12.2 Subordinated capital 4,984 6,346 – 21.5 Equity 14,879 14,903 – 0.2 Consolidated financial statements Consolidated financial statements Banking supervisory ratios under the German Banking Act (KWG) EUR million 31 Dec 2013 31 Dec 2012 Change in % Core capital 13.8 13.0 6.4 Own funds 17.0 17.3 – 2.0 Risk positions under the Solvency Ordinance 87.6 100.4 – 12.8 -
First Investment Bank AD As at 31 Dec 2015
To: Financial Supervision Commission Investment Activity Supervision Department 16 Budapest Str. Sofia Cc: Bulgarian Stock Exchange - Sofia AD 6 Tri Ushi Str. Sofia Re: Annual non-consolidated (audited) financial statements of First Investment Bank AD as at 31 Dec 2015 Dear Sirs, In compliance with the requirements of the Public Offering of Securities Act (POSA) and the regulations for its implementation, in our capacity as public company and issuer of bonds admitted for trading at a regulated market, we hereby submit the audited non-consolidated financial statements of First Investment Bank AD as at 31 December 2015, containing Audited unconsolidated financial statements as at 31.12.2015 and notes thereto, accompanied by the auditor’s report as per Art. 100m, para. 4(1) of POSA; 2015 Annual Report of First Investment Bank pursuant to Art. 100m, Para. 4(2) of POSA; Corporate Governance Code and Disclosure Policy of First Investment Bank in compliance with the requirement of Article 100m, para. 4(3) of POSA regarding the programme for implementation of the international standards for good corporate governance; Declaration under Art. 100о, para. 4(4) of POSA; Information on First Investment Bank under Annex 11 to Ordinance №2 of the Financial Supervision Commission on the prospects of public offering and admittance for trade on a regulated market of securities and for the disclosure of information by public companies and other issuers of securities; We are also sending you the Score Card for assessment of corporate governance in Bulgaria. -
Press Release
Press Release Press contact: MUFG Americas Holdings Corporation Lauren Sambrotto A member of MUFG, a global financial group T: +1-212-782-4909 E: [email protected] 25 September 2015 Regional Executive for the Americas Kanetsugu Mike Named Executive Chairman of MUFG Americas Holdings Corporation and MUFG Union Bank Outgoing Executive Chairman Masashi Oka to Serve as Special Advisor to BTMU President Nobuyuki Hirano NEW YORK, September 25, 2015 – MUFG, one of the world’s leading financial groups, today announced that, effective October 23, 2015, Regional Executive for the Americas Kanetsugu (“Sugu”) Mike will serve as Executive Chairman of the Board of Directors for MUFG Americas Holdings Corporation and its U.S. banking subsidiary, MUFG Union Bank, N.A. Mr. Mike will continue in his role as Regional Executive, with oversight of MUFG’s businesses in the United States, Latin America and Canada. Current Executive Chairman Masashi Oka will be Special Advisor to BTMU President Nobuyuki Hirano. Prior to becoming Regional Executive on May 1, 2015, Mr. Mike was Senior Managing Executive Officer and Deputy Chief Executive of the Global Business Unit of The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU), positions he retains. He also served as Vice Chairman of the Board of Directors of Bangkok-based Bank of Ayudhya, also known as Krungsri, a subsidiary of BTMU. Mr. Oka began his banking career in 1979 with The Mitsubishi Bank, Ltd. Since then, he has led a distinguished career with the MUFG family of companies in Tokyo, San Francisco, Los Angeles, and New York. Prior to becoming Executive Chairman, he served as President and Chief Executive Officer of Union Bank and UnionBanCal Corporation from July 2010 through June 2014. -
PHILIPPINES the Ideal Location to Invest in 2018
PROMOTION PHILIPPINES THE IDEAL LOCATION TO INVEST IN 2018 One of the fastest-growing economies in Asia, there are an increasing number of attractive opportunities opening up in what could currently be the best country in Asia to invest in. “The Philippines is 13th-biggest popu- Having a highly skilled, Eng- Increasingly, the private-sec- a sure bet for inves- lation is “relatively lish-speaking population has tor is investing in new activities, tors,” says Edwin R. young and increas- other positive impacts. Many such as manufacturing in export Bautista, president ingly middle class. move abroad and send earnings processing zones. As in all sec- and CEO of Union- We have the right back home, for example, there tors, investors are encouraged Bank, a major local demographic pro- are over 3.5 million Filipinos in by a stable macro environment, bank. Having expe- file to support the U.S. and in the first half of prudent debt management and rienced remarkable future economic 2017, remittances from overseas attractive tax incentives. growth for over a growth,” says Cesar citizens were $5.4 billion. decade, the tropical G. Romero, presi- As well as importing dollars, Edwin R. Bautista Rising Foreign Investment archipelago in the President and CEO, dent and CEO of these expats introduce those at When the competitive costs of South China Sea, UnionBank Pilipinas Shell Petro- home to the latest technologies running a business in the Philip- containing nearly leum Corporation from their adopted countries, pines are also considered, it is no 7,500 islands and (PSPC), a subsidiary giving a further boost to knowl- surprise that much of the invest- over 100 million people, saw a of Royal Dutch Shell. -
3Q20 MUAH Investor Presentation
MUFG Americas Holdings Corporation (MUAH) Investor Presentation for the Quarter Ended September 30, 2020 MUFG Americas Holdings Corporation Forward-Looking Statements and Non-GAAP Financial Measures This presentation describes activities of MUFG Americas Holdings Corporation and its consolidated subsidiaries (the Company) unless otherwise specified. This presentation should be read in conjunction with the financial statements, notes and other information contained in the Company’s most recent annual report on Form 10-K and Quarterly Reports on Forms 10-Q and in any subsequent filings with the Securities and Exchange Commission (SEC). The following appears in accordance with the Private Securities Litigation Reform Act. This presentation includes forward-looking statements that involve risks and uncertainties. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. Often, they include the words “believe,” “expect," “target,” “anticipate,” “intend,” “plan,” “seek," "estimate,” “potential,” “project,” "forecast," "outlook," or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” "might," or “may.” They may also consist of annualized amounts based on historical interim period results. There are numerous risks and uncertainties that could and will cause actual results to differ materially from those discussed in the Company’s forward-looking statements. Many of these factors are beyond the Company’s ability to control or predict -
Q2 2018 Investor Presentation
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________ FORM 8-K ________________________________ CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 8, 2018 ________________________________ MUFG Americas Holdings Corporation (Exact name of registrant as specified in its charter) ________________________________ Delaware 001-15081 94-1234979 (State of Incorporation) (Commission File Number) (IRS Employer Identification No.) 1251 Avenue of the Americas New York, NY 10020 (Address of principal executive offices) (Zip Code) Tel. (212) 782-6800 Registrant’s telephone number, including area code ________________________________ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company [ ] If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. -
Unionbanc Investment Services Commission & Fee Schedule
EFFECTIVE JANUARY 1, 2019 UnionBanc Investment Services Commission & Fee Schedule, Disclosures, and Services Agreements LIST OF DOCUMENTS A. UnionBanc Investment Services® Commission & Fee Schedule B. Investment Services Agreement C. Portfolio Connection Accounts & Services Disclosure and Supplemental Agreement D. UnionBanc Investment Services Bank Deposit Sweep Program (BDSPSM) Disclosure Document E. UnionBanc Investment Services Business Continuity Plan Disclosure F. Brokerage or Advisory Account: Which is the best fit for you? If you have an investment advisory account with us, please refer to the Managed Account Solutions and/or Personal Portfolio Solutions Terms and Conditions, the Statement of Investment Selection, and the Form ADVs you received from your financial advisor for information regarding your account rather than the Investment Services Agreement, Portfolio Connection Accounts and Services Disclosure, and the UnionBanc Investment Services BDSP Disclosure Document which apply to brokerage accounts. EFFECTIVE JANUARY 1, 2019 A. UnionBanc Investment Services Commission & Fee Schedule TABLE OF CONTENTS INVESTMENT SERVICES ................................................................................................................................................1 Equities ............................................................................................................................................................................................1 Options .............................................................................................................................................................................................1