Banche Italiane Convenzionate Con Sofort
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Conti Correntidove I Tassi Battono Le Spese
Codice cliente: 9758457 CORRIERECONOMIA LUNEDÌ 18 MAGGIO 2015 23 PATRIMONI & FINANZA Come investire L’indagine e risparmiare Estratto Bollettini Canone Saldo Valutazione conto Bollette postali tv Valutazione Taeg fido Valutazione Fonte: elaborazione Istituto Tedesco Qualità e Finanza su dati del La superclassifica della convenienza Banca Conto corrente portale Confrontaconti.it. Dati aggiornati al 20/4/2015. Saldo annuo saldo cartaceo online online online costi sconfinam. Taeg Le banche online con le migliori condizioni di conto corrente annuo: interesse creditori netti meno costi fissi meno costi variabili. IWBank Conto IW 0,00 € 2,00 € 0,00 € 1,50 € 0,00 € 6,57% Estratto conto cartaceo: i costi previste per chi lo richiede. I due euro WeBank Conto WeBank 1,11 € 1,35 € 1,00 € 1,20 € 1,00 € 5,00% di Mediolanum si riferiscono all’estratto conto trimestrale, mensile per CheBanca! Top condizioni IWBank. I pagamenti Mav e le ricariche dei cellulari online sono Fineco Top condizioni Che Banca! Conto corrente 0,00 € 0,80 € 0,00 € nd 0,00 € 10,44% sempre gratuiti presso tutte le banche. - Nd: sta per “operazione non disponibile” - WeBank: solo bollette Telecom. Pagamento presso ATM Ing Direct Top condizioni Fineco Conto corrente 0,00 € 1,95 € 0,00 € 1,55 € 1,55 € 7,98% sia per bollette che per canone tv - Taeg: dato fornito dalle banche e da IW Bank Top condizioni Widiba Conto corrente -4,15 € 1,80 € nd 1,40 € 1,00 € 15,17% Confrontaconti e calcolato in base a quanto previsto da provvedimento di Bankitalia. Si considera un affidamento di 1.500 € a tempo WeBank Top condizioni Ing Direct Conto Arancio 0,00 € 5,00 € 0,00 € 1,50 € nd 7,19% indeterminato, una durata pari a tre mesi, che il fido sia usato per intero e una periodicità di liquidazione degli interessi trimestrale. -
Reports and Financial Statements 2014
REPORTS AND FINANCIAL STATEMENTS 2014 Report and Consolidated financial statements of the Bipiemme Group at 31 December 2014 Approved by the Supervisory Board on 17 March 2015 Co-operative Bank founded in 1865 Parent Company of the BPM - Banca Popolare di Milano – Banking Group Share capital at 31.12.2014: Euro 3,365,439,319.02 Milan Companies Register No. 00715120150 Enrolled on the National Register of Co-operative Companies No. A109641 Registered Office and General Management: Piazza F. Meda, 4 – Milan www.gruppobpm.it Member of the Interbank Guarantee Fund Registered Bank and Parent Company of the BPM – Banca Popolare di Milano - Registered Banking Group 2014 This English version is not an official translation and is not a substitute for the original Italian document. It is for informational purposes only and has been prepared solely for the convenience of international readers. Contents Directors and Officers, General Management and Independent Auditors 9 Notice of Ordinary General Meeting 11 Report and Consolidated financial statements of the Bipiemme Group Year 2014 17 Key figures and ratios of the Bipiemme Group 19 Structure of the Bipiemme Group 20 General aspects 21 Consolidated reclassified balance sheet 22 Consolidated reclassified balance sheet – quarter by quarter 23 Consolidated reclassified income statement 24 Consolidated reclassified income statement – quarter by quarter 25 Key figures 26 Key ratios 27 Consolidated reclassified income statement, net of non-recurring items 28 Report on operations of the Bipiemme Group -
Banco Popolare Group at a Glance
GroupGroup Presentation Presentation November 2014 Banco Popolare Group at a glance Creation. Banco Popolare was established on 1st July 2007 from the merger between Banco Popolare di Verona e Novara and Banca Popolare Italiana. Size. Today, Banco Popolare is the 1st Italian cooperative bank by number of branches (1,919) and the 4th largest Italian bank by total assets (€126bn). Market Share. Excellent geographical position, with an average branch market share of 10% in the main regions in northern Italy and a deeply rooted local network. Business. Core business focused on retail and SME customers. 2 Banco Popolare Group at a glance Liquidity and Funding Capital position Strong support from the Group’S retail networks, which €1.5bn capital increase successfully completed in April 2014. provides 83% of the total customer funding, thereby limiting Comprehensive Assessment passed with a wide margin, thanks any reliance on the wholesale market. to the capital strengthening measures already carried out in Loan to Deposit ratio(i) at 95.9%. H1 2014: Excellent liquidity profile thanks to the significant amount of . CET1 ratio post AQR: 11.50%, unencumbered assets eligible with the ECB, equal to about . CET1 ratio post Stress baseline: 10.26% €14bn as at 31/10/2014. CET1 ratio post Stress adverse: 8.29% Liquidity ratios already in line with Basel 3 required targets: Capital ratios as at 30/09/2014 Basel 3 (pro forma)*: LCR > 100% and NSFR equal to ~100%. CET1 (Phase-in): 13.9% CET1 (Fully Loaded): 11.9% Note: (i) Net cutomer loans excluding REPOs / Total direct funds excluding REPOs * Including 18bps from the merger of Italease (to be completed in Q1 2015). -
Consolidated Interim Report As at September 30, 2011 Unicredit S.P.A
Consolidated Interim Report as at September 30, 2011 UniCredit S.p.A. A joint stock company Registered Office in Rome: Via Alessandro Specchi, 16 Head Office in Milan: Piazza Cordusio Share capital Euro €9,649,245,346.50 fully paid in, Fiscal Code, VAT number with the Company Register of Rome: 00348170101 Registered in the Register of Banking Groups and Parent Company of the Unicredit Banking Group, with cod. 02008.1; cod. ABI 02008.1 Member of the National Interbank Deposit Guarantee Fund and of the National Compensation Fund 2 Consolidated Interim Report as at September 30, 2011 3 4 Contents Introduction 7 Board of Directors, Board of Statutory Auditors and External Auditors 9 Prefatory Note to the Consolidated Interim Report 10 Interim Report on Operations 13 Highlights 14 Condensed Accounts 16 QuarterlyFigures 18 ComparisonofQ32011/Q32010 20 Segment Reporting (Summary) 21 HowtheUniCreditGrouphasgrown 22 UniCreditShare 23 GroupResults 24 Results by Business Segment 39 Other information 84 Subsequent Events and Outlook 94 Condensed Interim Consolidated Financial Statements 97 Consolidated Accounts 99 Explanatory Notes 109 Condensed Interim Consolidated Financial Statement Certification pursuant toArt.81-terofConsobRegulationno.11971ofMay14,1999,asamended 303 Notes The following conventional symbols have been used in the tables: . a dash (-) indicates that the item/figure is inexistent; . two stops (..), “n.s.” or “n.m.” when the figures do not reach the minimum considered significant or are not in any case considered significant; . “n.a.” -
CREMONINI Hold CRM.MI/CRM IM Market Capitalisation: EUR 317M Food & Beverage
ITALIAN SMALL & MID CAPS SELECTION EUR 2.23 CREMONINI Hold CRM.MI/CRM IM Market capitalisation: EUR 317m Food & Beverage EUR 12/05 12/06e 12/07e 12/08e Profile: Cremonini Group is involved in distribution, meat processing and catering. According to FY-05 Sales (m) 2,128.9 2,241.8 2,376.3 2,471.3 results, its subsidiary Marr (distribution) accounts for ca. 62.9% of EBIT and 41.4% of total sales. MARR is EBITDA (m) 117.1 116.8 121.8 124.7 the Italian market leader in the sale and distribution of food products to Hotels, Restaurants, and Catering EBITDA margin 5.5% 5.2% 5.1% 5.0% (Ho.Re.Ca – see the reference page in this stock guide). It went public in June 2005, leading to a cash-in for EBIT (m) 71.5 68.1 73.1 75.9 the Group of EUR 38m (10% sold at EUR 6.65 per share). Currently, the Group holds 57.4% of MARR. EBIT margin 3.4% 3.0% 3.1% 3.1% Cremonini is also widely known – especially through its Montana brand - as one of the most important Italian Net profit (reported) (m) 40.6 10.8 12.8 13.6 producers of beef and processed meat products (beef and cured meat & snacks). The meat division Net profit (adj.) (m) 14.4 10.8 12.8 13.6 currently represents 47.2% of net sales, while the restaurant activities and the inter-company weight for the Cash flow (m) 98.1 72.3 75.1 76.9 remaining 14.2% and -3.2% respectively. -
Press Release Results As at 31 December 2020
PRESS RELEASE RESULTS AS AT 31 DECEMBER 2020 • PROFIT NET OF COSTS RELATED TO THE VOLUNTARY REDUNDANCY PLAN AND THE CLOSURE OF 300 BRANCHES AS WELL AS OTHER NON-RECURRING COMPONENTS1: € 330 MILLION • PROPOSED DISTRIBUTION OF A DIVIDEND OF 6 CENTS PER SHARE, IN LINE WITH ECB GUIDELINES PROFIT FROM OPERATIONS2 AT € 1,722 MILLION: • ESSENTIALLY STABLE (-1.4%) WITH RESPECT TO 2019, DESPITE THE NEGATIVE EFFECTS OF THE PANDEMIC CRISIS WHICH EXPLODED AT THE START OF 2020 AND IS STILL ONGOING; • SIGNIFICANT GROWTH IN THE SECOND HALF (+43.5% COMPARED TO THE FIRST HALF) THANKS TO THE STRONG SALES RECOVERY, DESPITE THE SECOND WAVE OF THE PANDEMIC CORE REVENUES3 AT € 1,876 MILLION IN THE SECOND HALF, + 5.9% H/H OPERATING EXPENSES AT € 1,181 MILLION IN THE SECOND HALF, -5.4% H/H THE EXCELLENT OPERATING RESULTS MADE IT POSSIBLE TO SUPPORT: 1 Result net of non-recurring components detailed in point 6 of the explanatory notes of this press release. 2 Effective from the closure of the accounting period as at 31 December 2020, the reclassified income statement is presented in a format that shows the profit (loss) before tax from continuing operations, by excluding not only the accounting impacts relating to the PPA, amounting to € -41.5 million, and the change in the company's creditworthiness on certificate issues, amounting to € -11.7 million, but some extraordinary components involving a significant amount, which have a notable influence on the economic results of the periods being compared, preventing a full understanding of the actual operating performance. -
Sia: Over 350,000 “Jiffy” Users in Italy
Press release SIA: OVER 350,000 “JIFFY” USERS IN ITALY 23 bank groups have joined the service developed by SIA to transfer money in real time from a smartphone 52 euro is the average value of an individual transaction 44% of operations are for amounts under 25 euro The “Person to Business” pilot phase for payments at retail outlets is underway Milan, 30 June 2016 – Jiffy, the service developed by SIA to send and receive money in real time from a smartphone, has topped 350,000 registered users. The average value of an individual transaction is around 52 euro, while transfers under 25 euro represent 44% of the total. 23 bank groups have joined the SIA “Person to Person” (P2P) payments service since it was launched on the Italian market. Jiffy is currently available to the current account holders of BNL, Banca Popolare di Milano, Cariparma, Carispezia, Che Banca!, Friuladria, Gruppo Carige, Hello bank!, Intesa Sanpaolo, Banca Mediolanum, Monte dei Paschi di Siena, Banca Popolare di Vicenza, UBI Banca, UniCredit, Webank and Widiba. Soon, Jiffy will also be available to Banca Popolare di Sondrio, Cassa Centrale Banca, Raiffeisen, Veneto Banca and Volksbank Banca Popolare. Once all of these banks have signed up, the service will be available to over 32 million Italian current accounts, equal to more than 80% of the total. PILOT PHASE IN MILAN AND BERGAMO FOR PAYMENTS IN STORES Following on from “Person to Person” cash transfers, Jiffy is now also available for payments in stores. Indeed the pilot phase has already started up, in the cities of Milan and Bergamo, of the “Person to Business” (P2B) project that enables customers to pay by smartphone at stores subscribing through UBI Banca. -
L'associazione Notarile Comunica L'esito Delle Vendite Fissate Per Il Giorno 28 Giugno 2017 N
AUTOTRANSFERT - NOTARES ASSOCIAZIONE NOTARILE Via San Francesco da Paola n. 3 - 46100 MANTOVA TEL. 0376/329948 L'Associazione Notarile comunica l'esito delle vendite fissate per il giorno 28 giugno 2017 N. Esec. Imm. Notaio o Commercialista Creditore Esito Prossima Delegato Vendita Senza Inc. 1 064/2012 Balottin Jacopo ITALFONDIARIO S.P.A - ISTANZA G.E. 2 594/2011 Balottin Jacopo MANTOVABANCA 1896 CREDITO COOP. SOC. COOP. OFFERTA + ISTANZA G.E. 3 106/2012 Balottin Jacopo BANCA CARIGE S.P.A. - CASSA DI RISPARMIO DI GENOVA DESERTA 15/11/2017 E IMPERIA 4 021/2013 Balottin Jacopo BANCA POPOLARE DI SONDRIO Soc. Coop. per Azioni OFFERTA 5 425/2014 Balottin Jacopo ITALFONDIARIO SPA OFFERTA PARZIALE 15/11/2017 riunita con 176/2012 e la N° 231/2014 6 175/2015 Balottin Jacopo ITALFONDIARIO SPA OFFERTA 7 409/2014 Balottin Jacopo CASSA RURALE ED ARTIGIANA DI VESTENANOVA - DESERTA 15/11/2017 CRED. COOP. - SOC. COOP. 8 366/2014 Balottin Jacopo ITALFONDIARIO SPA DESERTA 15/11/2017 9 132/2015 Balottin Jacopo BANCO POPOLARE SOC. COOP. OFFERTA 10 391/2013 Dezio Daniela Santa UNICREDIT SPA OFFERTA 11 156/2013 Dezio Daniela Santa INTESA SANPAOLO SPA DESERTA 15/11/2017 12 388/2013 Dezio Daniela Santa CASSA PADANA BANCA DI CREDITO COOPERATIVO DESERTA 15/11/2017 SOC.COOP. 13 086/2014 Dezio Daniela Santa UNICREDIT SPA DESERTA 15/11/2017 14 341/2014 Dezio Daniela Santa UNICREDIT SPA OFFERTA 15 207/2015 Dezio Daniela Santa BANCA MONTE DEI PASCHI DI SIENA SPA DESERTA - ISTANZA GE SCADENZA OPERAZ VENDITA 16 196/2015 Dezio Daniela Santa UNICREDIT S.P.A OFFERTA 17 431/2015 Dezio Daniela Santa ITALFONDIARIO SPA OFFERTA 18 192/2015 Dezio Daniela Santa BANCO DI DESIO E DELLA BRIANZA S.P.A. -
Ai Servizi Consumatore
GUIDA AI SERVIZI CONSUMATORE 26 Luglio 2021 GUIDA AI SERVIZI CONSUMATORE – Edizione 26 Luglio 2021 1 INTESA SANPAOLO PREMESSA Questo documento contiene: • la Guida al servizio a distanza disciplinato: . nel contratto My Key; • la Guida al servizio Pagamenti con dispositivo mobile; • la Guida al servizio Masterpass. Il servizio di banca online permette di operare in modo semplice, diretto e integrato con la banca, dovunque tu sia, a qualsiasi ora del giorno, scegliendo di volta in volta il canale che preferisci. • Internet, per gestire il tuo conto ed i tuoi investimenti in mobilità, in totale sicurezza e in autonomia; • Mobile, per le funzionalità utili nell’everyday banking; • Telefono, per contattare la filiale online e operare con l’aiuto del gestore online; • Cassa veloce automatica, per le funzioni cardless disponibili; • Cassa self assistita, per le funzioni cardless disponibili. GUIDA AI SERVIZI CONSUMATORE – Edizione 26 Luglio 2021 2 Sommario PREMESSA .......................................................................................................................................................... 2 CREDENZIALI DI ACCESSO ................................................................................................................................... 6 01.01 Cosa fare se si dimenticano o si perdono i codici ........................................................................... 9 ABILITAZIONE DEI RAPPORTI ........................................................................................................................... -
VITRUVIUS Société D'investissement À Capital Variable with Multiple Portfolios Luxembourg
Annual report including audited financial statements as at 31st December 2015 VITRUVIUS Société d'Investissement à Capital Variable with multiple portfolios Luxembourg R.C.S. Luxembourg B 71 899 No subscription can be received on the basis of this financial report. Subscriptions are only valid if made on the basis of the current prospectus and the key investor information document ("KIID") supplemented by the latest annual report and the most recent semi-annual report, if published thereafter. VITRUVIUS Contents Organisation ..................................................................................................................................................... 3 General information ......................................................................................................................................... 9 Additional information for investors in Switzerland ................................................................................... 11 Additional information for investors in Germany ....................................................................................... 13 Additional information for investors in Austria........................................................................................... 14 Additional information for investors in UK .................................................................................................. 15 Report on activities of the Board of Directors............................................................................................. 16 Audit Report -
Genius Card Multiservizi Unisun
Genius Card Multiservizi UniSUN Quali sono le mie esigenze? Avere un prodotto semplice e conveniente, vista l’assenza di costi di emissione e canone mensile grazie allo status di studente, docente o dipendente della Seconda Università degli Studi di Napoli, per gestire in tutta sicurezza le principali esigenze di operatività bancaria, senza la necessità di avere un conto corrente. IL PRODOTTO IN SINTESI A chi è rivolto Agli Studenti e ai dipendenti – docenti e non – della Seconda Università degli Studi di Napoli che siano maggiorenni e residenti, anche a fini valutari, in Italia. Con un unico prodotto, semplice e conveniente Genius Card Multiservizi UniSUN consente di gestire comodamente e con sicurezza le principali operazioni bancarie, con in più la possibilità di accedere ai servizi resi dalla Seconda Università degli Studi di Napoli e al circuito di scontistica presso gli esercenti convenzionati dalla Banca. Come funziona Genius Card Multiservizi UniSUN è una carta prepagata nominativa ricaricabile che consente di prelevare e pagare nei negozi in Italia e all’estero grazie al circuito internazionale MasterCard. La carta è abilitata alla tecnologia contactless che consente di effettuare presso gli esercenti che espongono il marchio MasterCard PAYPASS operazioni di pagamento anche mediante semplice avvicinamento della Carta alle apparecchiature POS. Le operazioni effettuate in tale modalità: • se hanno importo pari o inferiore a 25 euro possono essere effettuate senza digitazione del PIN o firma della memoria di spesa • se hanno importo -
Banche, Confidi E Altri Intermediari Che Operano Con Il Fondo
BANCHE, CONFIDI E ALTRI INTERMEDIARI CHE OPERANO CON IL FONDO AGRIFIDI AGRIFIDI EMILIA SOC. COOPRATIVA AGRIFIDI MODENA REGGIO FERRARA AGRIFIDI UNO EMILIA ROMAGNA ALBA LEASING A-LEASING A-LEASING SPA - SERVICE PROMOZIONI SERVIZI APIFIDI CENTRO ITALIA ART SGR ART SGR SPA ARTFIDI LOMBARDIA ARTIGIANCOOP ARTIGIANCREDITO ARTIGIANCREDITO TOSCANO ARTIGIANFIDI ITALIA ASCOM FIDI - VERCELLI ASCOM FIDI ENNA ASCOMFIDI NORD-OVEST ASCONFIDI LOMBARDIA ASTI GROUP PMI BANCA AGRICOLA POPOLARE DI RAGUSA BANCA APULIA BANCA CAMBIANO 1884 BANCA CARIGE BANCA CARIM - CASSA DI RISP. DI RIMINI BANCA CASSA DI RISPARMIO DI SAVIGLIANO BANCA DEL FUCINO BANCA DEL GRAN SASSO BANCA DEL MEZZOGIORNO BANCA DEL MEZZOGIORNO - MEDIOCREDITO CENTRALE BANCA DEL PIEMONTE BANCA DEL SUD BANCA DELL ALTA MURGIA BANCA DI CREDITO POPOLARE BANCA DI FORMELLO E TREVIGNANO ROMANO BANCA DI IMOLA BANCA DI PIACENZA BANCA DI SASSARI BANCA EMILVENETA BANCA FINANZIARIA INTERNAZIONALE BANCA IFIS BANCA INTERPROVINCIALE BANCA MONTE DEI PASCHI DI SIENA BANCA NAZIONALE DEL LAVORO BANCA NUOVA BANCA PASSADORE BANCA PATAVINA BANCA POPOLARE DEL CASSINATE BANCA POPOLARE DEL FRUSINATE BANCA POPOLARE DEL LAZIO BANCA POPOLARE DEL MEDITERRANEO BANCA POPOLARE DELL'ALTO ADIGE BANCA POPOLARE DELLE PROVINCE MOLISANE BANCA POPOLARE DI BARI BANCA POPOLARE DI BERGAMO BANCA POPOLARE DI CIVIDALE BANCA POPOLARE DI FONDI BANCA POPOLARE DI MILANO BANCA POPOLARE DI MILANO SPA BANCA POPOLARE DI PUGLIA E BASILICATA BANCA POPOLARE DI SONDRIO BANCA POPOLARE DI SPOLETO BANCA POPOLARE DI SVILUPPO BANCA POPOLARE DI VICENZA BANCA POPOLARE ETICA BANCA POPOLARE FRIULADRIA BANCA POPOLARE PUGLIESE BANCA POPOLARE SANT ANGELO BANCA POPOLARE VALCONCA BANCA POPOLARE VESUVIANA BANCA PRIVATA LEASING BANCA PROGETTO BANCA PROMOS BANCA PROSSIMA BANCA REALE BANCA SAN GIORGIO E VALLE AGNO BANCA SANTA GIULIA BANCA SELLA BANCA SISTEMA BANCA SVILUPPO ECONOMICO BANCA SVILUPPO TUSCIA BANCA TIRRENICA BANCA VALSABBINA BANCO BPM BANCO DELLE TRE VENEZIE BANCO DI CREDITO P.