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Ratings Affirmed
Various Italian Bank Outlooks Revised To Negative After Action On Sovereign And BICRA Industry Trend; Ratings Affirmed Primary Credit Analyst: Mirko Sanna, Milan (39) 02-72111-275; [email protected] Secondary Contacts: Regina Argenio, Milan (39) 02-72111-208; [email protected] Francesca Sacchi, Milan (39) 02-72111-272; [email protected] Letizia Conversano, Dublin (39) 02-72111-283; [email protected] Alessandro Ulliana, Milan (39) 02-72111-228; [email protected] OVERVIEW • On Oct. 26, 2018, S&P Global Ratings revised to negative from stable its outlook on the 'BBB/A-2' long- and short-term ratings on the Republic of Italy following the government's planned budgetary policy deviation and the related drag on the country's already weak budgetary position and economic prospects. • Prolonged turmoil in the capital markets due to concerns about sovereign creditworthiness could impair the banks' funding profiles, potentially hiking up their cost of financing and thus reducing their profitability. • We are affirming the ratings on 19 Italian financial institutions. We are revising to negative from stable the outlooks on the ratings on 11 of these institutions. • The negative outlook on Intesa Sanpaolo and its core subsidiaries Banca IMI and Fideuram - Intesa Sanpaolo Private Banking SpA; UniCredit; Mediobanca and its core subsidiary MB Funding Lux; FCA Bank; Banca Nazionale del Lavoro; Dexia Crediop; MedioCredito Centrale; and the Italian branch of Bank of New York Mellon S.A./N.V. primarily mirrors that on Italy. • We are also revising the outlook on the Italian branches of both BNP WWW.STANDARDANDPOORS.COM/RATINGSDIRECT OCTOBER 30, 2018 1 Various Italian Bank Outlooks Revised To Negative After Action On Sovereign And BICRA Industry Trend; Ratings Affirmed Paribas S.A and BNP Paribas Securities Services to stable from positive, reflecting the action on the sovereign. -
Cariparma OBG Srl Registered Office
Cariparma OBG S.r.l. (This is a translation of the Italian original " Bilancio dell’esercizio chiuso al 31 dicembre 2016" and has been prepared solely for the convenience of international readers. In the event of any ambiguity the Italian text will prevail. The Italian original is available upon written request to Cariparma OBG S.r.l. by e-mail to: [email protected]) Cariparma OBG S.r.l. Registered Office: Milan, Via Pestalozza 12/14 Capital: Euro 10,000 fully paid up Milan Company Register no. 07893100961 Tax Code and VAT Number: 07893100961 Milan REA no. 1988744 Management and coordination: Crédit Agricole Cariparma S.p.A. * * * * * Financial statements for the year ended 31 December 2016 Company business The Company, incorporated on 19 June 2012, has the sole purpose of purchasing, from banks, mortgage loans, receivables due from public entities, and securities issued as part of securitisation transactions concerning receivables of the same type, through the assumption of loans granted or guaranteed also by the originator banks, as well as the provision of guarantees for the bonds issued by the same or other banks. It therefore operates pursuant to art. 7-bis of Italian Law no. 130 of 30 April 1999. Within the framework of corporate operations, in May 2013 the Company initiated a transaction connected with the implementation of a Covered Bond programme, purchasing receivables portfolios pursuant to art. 7-bis of Italian Law 130/1999 from the originator banks Crédit Agricole Cariparma S.p.A. (the former Cassa di Risparmio di Parma e Piacenza S.p.A.), Crédit Agricole Carispezia S.p.A. -
Saipem: Early Ending of the Offer to the Market of the Unexercised Rights
The distribution of this press release, directly or indirectly, in or into the United States, Canada, Australia or Japan is prohibited. This press release (and the information contained herein) does not contain or constitute an offer of securities for sale, or solicitation of an offer to purchase securities, in the United States, Canada, Australia or Japan or any other jurisdiction where such an offer or solicitation would require the approval of local authorities or otherwise be unlawful (the "Other Countries"). The securities referred to herein have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the "Securities Act"), or pursuant to the corresponding regulations in force in the Other Countries and may not be offered or sold in the United States unless the securities are registered under the Securities Act, or an exemption from the registration requirements of the Securities Act is available. Saipem S.p.A. does not intend to register any portion of the offering of the securities in the United States or to conduct a public offering of the securities in the United States. Any public offering of securities to be made in the United States will be made by means of a prospectus that may be obtained from Saipem S.p.A. and will contain detailed information about the company and management, as well as financial statements. Saipem: Early ending of the offer to the market of the unexercised rights San Donato Milanese (Italy), 16 February 2016 – Following the press release issued on 11 February 2016, Saipem S.p.A. -
Le Principali Banche Italiane 298. 299
TABELLA VI LE PRINCIPALI BANCHE ITALIANE (valori in migliaia di euro) Q U CAPITALE NETTO O SALDO RISULTATO DI TOTALE GRA- T PRINCIPALE ESER- CREDITI V/ ALTRE PROVVISTA ALTRE MARGINE COMMISSIONI E TOTALE COMPETENZA NUMERO NUMERO BANCHE ATTIVO DUA- A CATEGORIA CIZIO CLIENTELA ATTIVITA` V/ CLIENTELA PASSIVITA` di cui: DI INTERESSE ALTRI COSTI RICAVI DEGLI AZIONISTI DIPENDENTI SPORTELLI TANGIBILE TORIA T TOTALE INTERESSI E RICAVI DEL GRUPPO A DI TERZI =^ UNICREDIT . Q BREVE 2018 827.961.000 1 505.668.000 248.650.000 569.459.000 79.347.000 56.767.000 927.000 10.853.000 8.188.000 20.515.000 3.892.000 86.786 3.815 2017 833.405.000 1 447.727.000 314.695.000 564.509.000 88.812.000 60.225.000 894.000 10.298.000 8.309.000 20.578.000 5.473.000 91.952 4.778 =^ INTESA SANPAOLO . 1) Q BREVE 2018 778.624.000 2 408.135.000 300.260.000 474.525.000 150.926.000 54.431.000 407.000 7.342.000 8.522.000 17.774.000 4.050.000 92.117 5.302 2017 789.104.000 2 410.746.000 305.896.000 485.851.000 154.400.000 56.604.000 399.000 8.527.000 7.230.000 16.943.000 7.316.000 96.892 5.843 ^ INTESA SANPAOLO (gruppo INTESA SANPAOLO) ............ 2) Q BREVE 2018 525.785.000 * 255.669.000 115.525.000 287.245.000 32.378.000 47.211.000 — 4.251.000 4.793.000 12.456.000 3.686.000 47.648 3.365 2017 506.923.000 * 232.693.000 116.790.000 253.589.000 33.606.000 48.472.000 — 2.811.000 3.488.000 8.235.000 4.882.000 38.970 2.736 ^ UNICREDIT (gruppo UNICREDIT) .............................. -
Floating) Dated April 5, 2013 Dated March 26, 2014
FINAL TERMS BASE PROSPECTUS FINAL TERMS NO. 6543 (floating) Dated April 5, 2013 Dated March 26, 2014 SUPPLEMENTARY PROSPECTUSES Dated May 3, 2013, May 10, 2013, June 3, 2013, June 14, 2013, June 28, 2013, August 2, 2013, September 18, 2013, November 8, 2013, November 20, 2013, February 3, 2014 and March 4, 2014 GENERAL ELECTRIC CAPITAL CORPORATION ISSUE OF EURO MEDIUM-TERM NOTES U.S.$ Floating Rate Notes Due 2020 Any person making or intending to make an offer of the Notes may only do so: (i) in the Public Offer Jurisdiction mentioned in Part B below, provided such person is of a kind specified in that paragraph and that the offer is made during the Offer Period specified in that paragraph; or (ii) otherwise in circumstances in which no obligation arises for the Issuer or any Manager to publish a prospectus pursuant to Article 3 of the Prospectus Directive or to supplement a prospectus pursuant to Article 16 of the Prospectus Directive, in each case, in relation to such offer. Neither the Issuer nor any Manager has authorized, nor do they authorize, the making of any offer of Notes in any other circumstances. The expression "Prospectus Directive" means Directive 2003/71/EC (and amendments thereto, including the 2010 PD Amending Directive, to the extent implemented in the Relevant Member State) and includes any relevant implementing measure in the Relevant Member State and the expression "2010 PD Amending Directive" means Directive 2010/73/EU. PART A CONTRACTUAL TERMS Terms used herein shall be deemed to be defined as such for the purposes of the Conditions set forth in the above referenced Base Prospectus and the supplemental Prospectuses dated May 3, 2013, May 10, 2013, June 3, 2013, June 14, 2013, June 28, 2013, August 2, 2013, September 18, 2013, November 8, 2013, November 20, 2013, February 3, 2014 and March 4, 2014 which together constitute a base prospectus for the purposes of the Prospectus Directive (the "Base Prospectus"). -
Relazione Sull'attività Dell'arbitro Bancario Finanziario
Relazione sull’attività dell’Arbitro Bancario Finanziario Appendice numero anno 2019 10 Relazione sull’attività dell’Arbitro Bancario Finanziario Appendice anno 2019 Numero 10 - luglio 2020 © Banca d’Italia, 2020 Indirizzo Via Nazionale, 91 00184 Roma - Italia Telefono +39 06 47921 Sito internet http://www.bancaditalia.it ISSN 2281-4809 (online) Tutti i diritti riservati. È consentita la riproduzione a fini didattici e non commerciali, a condizione che venga citata la fonte. Grafica a cura della Divisione Editoria e stampa della Banca d’Italia INDICE DATI STATISTICI 5 Tav. 1 Ricorsi ricevuti per tipologia di intermediario 7 “ 2 Ricorsi ricevuti e decisi per tipologia di ricorrente 7 “ 3 Ricorsi dei consumatori per area rispetto alla popolazione 7 “ 3bis Ricorsi dei consumatori per regione 8 “ 4 Ricorsi ricevuti per oggetto della controversia 9 “ 5 Ricorsi decisi e numero di riunioni per mese 10 “ 6 Ricorsi ricevuti ed esito per Collegio 10 “ 7 Ricorsi ricevuti per intermediario 11 “ 7bis Ricorsi ricevuti per intermediario e incidenza sul totale ABF 18 “ 8 Ricorsi decisi per intermediario 18 “ 9 Intermediari inadempienti 26 “ 10 Ricorsi decisi per gruppo bancario: primi 10 gruppi per ricorsi decisi nell’anno 27 NOTE METODOLOGICHE 28 Appendice Anno 2019 Relazione sull’attività dell’Arbitro Bancario Finanziario 3 DATI STATISTICI Tavola 1 Ricorsi ricevuti per tipologia di intermediario (1) (unità e valori percentuali) 2018 2019 Variaz. 2018 2019 INTERMEDIARIO Unità Unità % % % Banche 17.577 12.513 -29 65,0 56,7 di cui: banche spa 15.159 11.539 -24 56,0 52,3 banche estere 1.986 543 -73 7,3 2,5 banche popolari 226 243 8 0,8 1,1 banche di credito cooperativo 206 189 -8 0,8 0,9 Società finanziarie 6.618 4.977 -25 24,5 22,6 Poste Italiane spa 2.345 3.672 57 8,7 16,6 Istituti di pagamento 55 36 -35 0,2 0,2 Confidi 7 8 14 0,0 0,0 Imel 282 804 185 1,0 3,6 Soggetti non tenuti ad aderire 163 48 -71 0,6 0,2 Totale 27.047 22.059 -18 100 100 (1) Il dato del 2018 riflette la classificazione dell’intermediario al 31 dicembre 2019. -
Annual Report 2017
ANNUAL REPORT 2017 Practitioners Creating Pan-European Estación de Atocha Cover L’aéroport de Roissy- Madrid Atocha railway Payment Infrastructures Charles-de-Gaulle station is the largest railway station in Madrid with Paris Charles de Gaulle 16 million passengers per year. Airport is the second largest international airport in Europe, handling close to 70 million passengers and almost 500,000 aircraft movements in 2017. Haven van Rotterdam Port of Rotterdam is the largest port in Europe. It is hard to imagine what our lives In 2012, Rotterdam was the would look like without the infrastructure world’s sixthlargest port in terms of annual cargo systems that enable and support our tonnage. The port covers daily activities. 105 square kilometres and stretches over a distance of 40 kilometres. They supply water, power and heat; they provide access to goods, knowledge and money; they help us embark on physical and spiritual journeys. Like other infrastructures, EBA CLEARING’s payment systems require careful planning and smooth operations to optimally serve their users on a daily basis. This involves close monitoring as well as regular maintenance, enhancement and, where needed, renewal. What is different about other infrastructures though is that some of them make for great pictures… Channel Tunnel / Piazza Gae Aulenti Le tunnel sous la Manche Piazza Gae Aulenti is the epi The Channel Tunnel is a centre of Milan’s most modern 50.45kilometre rail tunnel neighbourhood. The square linking Folkestone, Kent, was inaugurated in 2012 and is in the United Kingdom, with dedicated to the architect Coquelles, PasdeCalais, Gae Aulenti. -
Crédit Agricole Italia Banking Group a Sound Banking Group in the Italian Landscape
Crédit Agricole Italia Banking Group A sound banking Group in the Italian landscape Covered Bond Programme Update www.credit-agricole.it Disclaimer This document has been prepared by Crédit Agricole Cariparma S.p.A. and is confidential and is not to be reproduced by any person, nor to be forwarded or distributed to any person other than its original recipient. Failure to comply with this directive may result in a violation of the Securities Act of 1933, as amended (the “Securities Act”), or the applicable laws of other jurisdictions where it would be unlawful (the “Other Countries”). None of Crédit Agricole Cariparma or its affiliates, advisers, dealers or representatives takes any responsibility for these materials or any of its contents or in relation to any loss arising from its use or from any reliance placed upon it by any person. No representation or warranty expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. None of Crédit Agricole Cariparma or its affiliates, advisers, dealers or representatives, or any other person, shall have any liability whatsoever (in negligence or otherwise) for any loss arising from any use of this document or its contents or otherwise arising in connection with this document. The information, opinions, estimates and forecasts contained herein have not been independently verified and are subject to change without notice. They have been obtained from, or are based upon, sources we believe to be reliable but Crédit Agricole Cariparma makes no representation (either expressed or implied) or warranty on their completeness, timeliness or accuracy. -
Half-Yearly Consolidated Report As at 30 June 2020
HALF-YEARLY CONSOLIDATED REPORT AS AT 30 JUNE 2020 Crédit Agricole Italia Banking Group Half-yearly Consolidated Report as at 30 June 2020 Table of Contents Crédit Agricole Italia Banking Group Half-yearly Consolidated Report as at 30 June 2020 Corporate Officers and Independent Auditors 01 4 The Crédit Agricole Group 01 02 6 The Crédit Agricole Group in Italy 02 03 7 The Crédit Agricole Italia Banking Group 03 04 9 Financial highlights and performance measures 04 05 12 Half-yearly Report on Operations 05 06 14 Half-yearly Condensed Consolidated Financial Statements 06 07 27 Financial Statements 07 08 28 Note to the Half-yearly Condensed Consolidated Financial Statements 08 09 36 Independent Auditors’ Report Table of 09 10 79 Annexes Contents 10 11 80 Table of Contents 3 Crédit Agricole Italia Banking Group Half-yearly Consolidated Report as at 30 June 2020 Corporate Officers and Independent Auditors Board of Directors CHAIRMAN Ariberto Fassati DEPUTY-CHAIRPERSONS Xavier Musca Annalisa Sassi(*) CHIEF EXECUTIVE OFFICER Giampiero Maioli(*) DIRECTORS Evelina Christillin(°) François Edouard Drion(*) Daniel Epron Annamaria Fellegara(°) Lamberto Frescobaldi Franceschi Marini(*) Nicolas Langevin Hervé Le Floc’h Paolo Maggioli Michel Mathieu Andrea Pontremoli(*) Christian Valette(*) (*) Members of the Executive Committee (°) Independent Directors Corporate Officers and Independent Auditors 4 Crédit Agricole Italia Banking Group Half-yearly Consolidated Report as at 30 June 2020 General Management VICE GENERAL MANAGERS Roberto Ghisellini Olivier Guilhamon Vittorio Ratto Board of Auditors CHAIRMAN Paolo Alinovi STANDING AUDITORS Luigi Capitani Maria Ludovica Giovanardi Stefano Lottici Germano Montanari ALTERNATE AUDITORS Alberto Cacciani Roberto Perlini MANAGER IN CHARGE OF THE PREPARATION OF CORPORATE ACCOUNTING DOCUMENTS Pierre Débourdeaux INDEPENDENT AUDITORS EY S.p.A. -
Annual Report 2008
Annual Report 2008 Annual Report December 2008 Banca IMI S.p.A. Piazzetta Giordano Dell’Amore 3 – 20121 Milan (Italy) – Share capital 662,464,000 Euro – ABI Code 3249.0 – Member of the Interbank Deposit Protection Fund – Registered with the Milan Business Registry – Registration number and tax ID 04377700150 – e-mail: info@ bancaimi.com – www.bancaimi.com – Telephone +39 02.72611 – Company subject to management and control of the sale shareholder Intesa Sanpaolo S.p.A. – Banca IMI is a bank of Intesa Sanpaolo Group Contents Officers 5 Summary information 7 Executive summary 8 Report by the Board of Directors on the Company’s situation and management trends 11 Business plan and management guidelines 13 Macroeconomic outlook and financial markets 15 Results by business area 17 Results in 2008 22 Equity aggregates 32 Equity investments and holdings 39 Capital adequacy 42 Operations support and organizational change 45 Human resources 47 Management and coordination by Intesa Sanpaolo 49 Dealings with other Group companies 50 Business outlook 51 Proposals to the Shareholders’ Meeting 52 Certification by the executive in charge of accounting documents 53 Report of the Independent Auditors 55 Report of the Board of Statutory Auditors 59 Financial statements of Banca IMI 63 Balance sheet 64 Income Statement 66 Statement of changes in shareholders’ equity 67 Statement of cash flows 69 Notes 71 Part A – Accounting policies 73 Part B – Information on the balance sheet 83 Part C – Information on the Income Statement 117 Part E – Information on risks -
Annual Report 2017
ANNUAL REPORT 2017 Practitioners Creating Pan-European Payment Infrastructures Estación de Atocha Cover L’aéroport de Roissy- Madrid Atocha railway Charles-de-Gaulle station is the largest railway station in Madrid with Paris Charles de Gaulle 16 million passengers per year. Airport is the second largest international airport in Europe, handling close to 70 million passengers and almost 500,000 aircraft movements in 2017. Haven van Rotterdam Port of Rotterdam is the largest port in Europe. In 2012, Rotterdam was the world’s sixth-largest port in terms of annual cargo tonnage. The port covers 105 square kilometres and stretches over a distance of 40 kilometres. Channel Tunnel / Le tunnel sous la Manche The Channel Tunnel is a 50.45-kilometre rail tunnel linking Folkestone, Kent, in the United Kingdom, with Coquelles, Pas-de-Calais, near Calais in northern France. At its lowest point, it is 75 m deep below the sea bed and 115 m below sea level. It is hard to imagine what our lives would look like without the infrastructure systems that enable and support our daily activities. They supply water, power and heat; they provide access to goods, knowledge and money; they help us embark on physical and spiritual journeys. Like other infrastructures, EBA CLEARING’s payment systems require careful planning and smooth operations to optimally serve their users on a daily basis. This involves close monitoring as well as regular maintenance, enhancement and, where needed, renewal. What is different about other infrastructures though is that some of them make for great pictures… Piazza Gae Aulenti Piazza Gae Aulenti is the epi- centre of Milan’s most modern neighbourhood. -
Crédit Agricole Italia OBG Srl Registered Office
Credit Agricole Italia OBG s.r.l. Crédit Agricole Italia OBG S.r.l. Registered office: Milan, Via Vittorio Betteloni, 2 Capital: Euro 10,000, fully paid up Milan Company Register no. 07893100961 Tax Code and VAT Number: 07893100961 Milan REA no. 1988744 Management and coordination: Crédit Agricole Italia S.p.A. * * * * * DIRECTORS’ REPORT ON OPERATIONS FOR THE YEAR ENDED 31 December 2019 Dear Quotaholders, I submit the financial statements for the year ended 31 December 2019 for your approval. The financial statements consist of the Statement of Financial Position, the Income Statement, the Statement of Comprehensive Income, the Statement of Changes in Quotaholders’ Equity, the Statement of Cash Flows and the Notes to the Financial Statements. In addition, they are accompanied by this Report on operations. The financial statements were prepared in accordance with the International Financial Reporting Standards (IFRS), the relevant interpretations by the International Accounting Standards Board (IASB), and the “instructions for the preparation of financial statements for Financial Intermediaries, Payment Institutions, Electronic Money Institutions, SGRs, and SIMs” issued by the Bank of Italy on 30 November 2018. The Company exercised its option to adopt the international accounting standards, as entity controlled by a holding company whose financial statements are prepared according to the IAS/IFRS. Company business The Company, incorporated under Italian Law no. 130 of 30 April 1999 on 19 June 2012, has the sole purpose of purchasing assets, receivables and securities issued as part of receivables securitisation transactions, within the framework of covered bond issue transactions, pursuant to Article 7-bis of Italian Law 130/1999.