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Relatório E Contas 2007

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Relatório E Contas 2007 Relatório Anual 2007 Relatório e Contas 2007 Santander Totta, S.G.P.S. 1 Relatório Anual 2007 Índice O Santander Totta Principais Indicadores.................................................................................................................... 4 Organigrama Funcional da Comissão Executiva........................................................................... 5 Órgãos Sociais............................................................................................................................... 6 Práticas de Governo do Santander Totta ...................................................................................... 9 Responsabilidade Social Corporativa .......................................................................................... 10 Estrutura Accionista ..................................................................................................................... 16 Rating........................................................................................................................................... 16 Enquadramento da Actividade Economia Internacional ............................................................................................................... 18 Economia Portuguesa.................................................................................................................. 23 Áreas de Negócio Banca Comercial.......................................................................................................................... 26 Banca de Investimento e Gestão de Activos ............................................................................... 33 Crédito Especializado .................................................................................................................. 39 Seguros........................................................................................................................................ 39 Áreas de Suporte ao Negócio Recursos Humanos ..................................................................................................................... 41 Tecnologia e Sistemas................................................................................................................. 42 Qualidade..................................................................................................................................... 42 Desempenho Económico - Financeiro Actividade Consolidada ............................................................................................................... 45 Gestão de Risco Risco de Crédito .......................................................................................................................... 52 Risco de Contraparte ................................................................................................................... 54 Risco de Mercado ........................................................................................................................ 54 Risco de Balanço ......................................................................................................................... 58 Risco Operacional........................................................................................................................ 59 Proposta de Aplicação de Resultados........................................................................... 61 Prevenção de Branqueamento de Capitais ................................................................................. 62 Estrutura Orgânica por Pelouros .................................................................................................62 Funções exercidas pelos Membros do Conselho de Administração do Santander Totta noutras sociedades................................................................................................................................... 66 Movimentos de Acções e Obrigações dos Membros dos Órgãos de Administração e Fiscalização ................................................................................................................................. 70 Demonstrações Financeiras Consolidadas……………………………………………………..73 Santander Totta, S.G.P.S. 2 Relatório Anual 2007 Anexo às Demonstrações Financeiras Consolidadas………………………………………78 Relatório e Parecer Consolidado…………………….…………………………………………..200 Demonstrações Financeiras Individuais….…………….……………………………………..205 Anexo às Demonstrações Financeiras Individuais….…………………………….……….209 Relatório e Parecer Individual….…………………….…………………………………………..222 Santander Totta, S.G.P.S. 3 Relatório Anual 2007 O Santander Totta Principais Indicadores Var. % milhões de euros Dez 07 Dez 06 Dez 07 / Dez 06 Balanço Activo Líquido 42.002 37.758 +11,2% Crédito Líquido 30.304 28.353 +6,9% Recursos Totais de Clientes (em, e fora, de Balanço) 30.159 28.744 +4,9% Cap. Próp. + Int. Min. + Pas. Subordinados 3.025 2.986 +1,3% Resultados Margem Financeira Estrita 695,7 646,3 +7,6% Margem de Serviços (Comissões + Out. Proveitos) 346,7 356,5 -2,7% Actividade de Seguros 25,3 18,5 +36,6% Produto Bancário (inclui Actividade de Seguros) 1.266,3 1.125,3 +12,5% Resultado de Exploração 737,3 604,9 +21,9% Resultados Antes de Imposto 636,4 550,3 +15,6% Resultado Líquido Consolidado 510,3 425,2 +20,0% Resultado Líquido por Acção (em cêntimos de euro) 0,26 0,22 +20,0% Rácios ROE 24,4% 23,8% +0,6 p.p. ROA 1,2% 1,1% +0,1 p.p. Rácio de Eficiência 36,2% 40,2% -4,0 p.p. Rácio de Adequação de Fundos Próprios* Banco de Portugal 10,9% 12,2% -1,3 p.p. Core Capital (Tier I) 7,6% 7,9% -0,3 p.p. Racio BIS 10,2% 10,8% -0,6 p.p. Crédito com Incumprimento** / Crédito Total 0,5% 0,5% +0,0 p.p. Credito Vencido + 90 dias/ Crédito Total 0,5% 0,5% +0,0 p.p. Cobertura de Crédito Vencido a + 90 dias 378,2% 349,1% +29,1 p.p. Cobertura de Crédito com Incumprimento** 373,1% 344,0% +29,1 p.p. Colaboradores 6.209 6.155 +54 Colaboradores em Portugal 5.944 5.908 +36 Pontos de Atendimento 763 724 +39 Total de Agências e Centros Empresa em Portugal 706 665 +41 * Com resultados ** Crédito Vencido a + de 90dias + Crédito de Cobrança Duvidosa Santander Totta, S.G.P.S. 4 Relatório Anual 2007 Organigrama Funcional da Comissão Executiva - 31/12/07 Presidente Auditoria, Marketing, Recursos Humanos e Produtos Nuno Amado Área Jurídica, Prevenção de Comunicação Institucional, Capitais, Inspecção e Imagem Corporativa e Secretaria-Geral Qualidade José Carlos Sítima Luis Bento dos Santos Riscos, Recuperações, Grandes Empresas e Redes Particulares e Internacional, Universidades, Banca de Financeira e Meios Negócios e Empresas, Institucionais e Canais Seguros e Gestão de Desinvestimento e Investimento Complementares Activos Banco Totta de Angola Promotores e Mediadores António Vieira Monteiro Elias da Costa Eduardo Stock da Cunha José Eduardo Bettencourt Carlos Amaral Pedro Castro e Almeida Santander Totta, S.G.P.S. 5 Relatório Anual 2007 Órgãos Sociais - 31/12/07 SANTANDER TOTTA, S.G.P.S., SA Mesa da Assembleia Geral Presidente José Manuel Galvão Teles Vice – Presidente António Maria Pinto Leite Secretário Secretário da Sociedade Conselho de Administração Presidente António Mota de Sousa Horta Osório Vice – Presidentes Matias Pedro Rodriguez Inciarte Nuno Manuel da Silva Amado Vogais António José Sacadura Vieira Monteiro Eurico Silva Teixeira de Melo José Manuel Alves Elias da Costa Miguel de Campos Pereira de Bragança Conselho Fiscal Presidente António Mendo Castel-Branco Borges Vogais Mazars & Associados, S.R.O.C. Ricardo Manuel Duarte Vidal Castro Suplente Pedro Manuel Alves Ferreira Guerra Revisor Oficial de Contas Alves da Cunha, A. Dias & Associados, S.R.O.C. Comissão Executiva Presidente Nuno Manuel da Silva Amado Vogais António José Sacadura Vieira Monteiro José Manuel Alves Elias da Costa Secretário da Sociedade Efectivo António Miguel Leonetti Terra da Motta Suplente João Manuel da Mota Branquinho e Crespo Santander Totta, S.G.P.S. 6 Relatório Anual 2007 BANCO SANTANDER TOTTA, S.A. Mesa da Assembleia Geral Presidente António Manuel de Carvalho Ferreira Vitorino Vice – Presidente António de Macedo Vitorino Secretário Secretário da Sociedade Conselho de Administração Presidente António Mota de Sousa Horta Osório Vice – Presidentes Matias Pedro Rodriguez Inciarte Nuno Manuel da Silva Amado Vogais António José Sacadura Vieira Monteiro Carlos Manuel Amaral de Pinho Eduardo José Stock da Cunha Eurico Silva Teixeira de Melo José Carlos Brito Sítima José Eduardo Fragoso Tavares de Bettencourt José Manuel Alves Elias da Costa Luís Filipe Ferreira Bento dos Santos Miguel de Campos Pereira de Bragança Pedro Aires Coruche Castro e Almeida Conselho Fiscal Presidente António Mendo Castel-Branco Borges Vogais Mazars & Associados, S.R.O.C. Ricardo Manuel Duarte Vidal Castro Suplente Pedro Manuel Alves Ferreira Guerra Revisor Oficial de Contas Deloitte & Associados, S.R.O.C., S.A. Comissão Executiva Presidente Nuno Manuel da Silva Amado Vogais António José Sacadura Vieira Monteiro Carlos Manuel Amaral de Pinho Eduardo José Stock da Cunha José Carlos Brito Sítima José Eduardo Fragoso Tavares de Bettencourt José Manuel Alves Elias da Costa Luís Filipe Ferreira Bento dos Santos Pedro Aires Coruche Castro e Almeida Secretário da Sociedade Efectivo António Miguel Leonetti Terra da Motta Suplente João Manuel da Mota Branquinho e Crespo Santander Totta, S.G.P.S. 7 Relatório Anual 2007 BANCO SANTANDER DE NEGÓCIOS PORTUGAL, S.A. Mesa da Assembleia Geral Presidente José Manuel Galvão Teles Vice-Presidente António Maria Pinto Leite Secretário Maria Tereza de Almada de Sá de Menezes Conselho de Administração
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