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Relazione Finanziaria Annuale 2013 Esercizio

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Relazione Finanziaria Annuale 2013 Esercizio Relazione finanziaria annuale - Esercizio 2013 Esercizio Relazione finanziaria annuale Esercizio 2013 Relazione finanziaria annuale - Esercizio 2013 Relazione finanziaria annuale - Esercizio Relazione finanziaria annuale Esercizio 2013 relazione finanziaria annuale 2013 122° esercizio 2 ___________________________________________________________________________________________________________________________________________ Credito Bergamasco Società per Azioni – Banca fondata nel 1891 Sede Legale e Direzione Generale in Bergamo, Largo Porta Nuova, 2 Capitale sociale euro 185.180.541 i.v. Codice fiscale, partita IVA ed iscrizione al Registro Imprese di Bergamo n.00218400166 Aderente al Fondo Interbancario di Tutela dei Depositi ed al Fondo Nazionale di Garanzia Appartenente al Gruppo Bancario Banco Popolare Iscritto all’Albo dei Gruppi Bancari Soggetta all’attività di direzione e coordinamento della Capogruppo Banco Popolare Soc. Coop. www.creberg.it ___________________________________________________________________________________________________________________________________________ 3 CARICHE SOCIALI, DIREZIONE GENERALE E SOCIETÀ DI REVISIONE AL 26 FEBBRAIO 2014 Consiglio di Amministrazione Presidente Cesare Zonca * Vice Presidente Vicario Mario Ratti * Vice Presidente Carlo Fratta Pasini * Amministratore Delegato Bruno Pezzoni * Consiglieri Giuseppe Ambrosi Vittorio Armani Giovanni Dotti Maurizio Faroni Enrico Fusi Giacomo Gnutti * Paolo Longhi Daniela Montemerlo Alberto Motta Claudia Rossi Monica Santini Collegio Sindacale Presidente Giovanni Tantini Sindaci effettivi Fabio Bombardieri Paolo Moro Renato Salerno Antonio Zini Sindaci supplenti Enrico Locatelli Giuliano Longhi Responsabile della Direzione Territoriale Cristiano Carrus § Segretario Generale Angelo Piazzoli ° Dirigente preposto alla redazione dei documenti contabili societari Giacomo Terzi Società di Revisione Reconta Ernst & Young S.p.A. * Membro del Comitato Esecutivo Al Comitato Esecutivo sono attribuiti poteri deliberativi in materia di affidamenti, tassi e condizioni, gestione del personale, spese, passaggi alle sofferenze, transazioni, locazioni immobiliari § Con poteri vicari dell’Amministratore Delegato ° Segretario del Consiglio di Amministrazione e del Comitato Esecutivo ___________________________________________________________________________________________________________________________________________ 5 INDICE Dati di sintesi e indici economico – finanziari ......................................................................................................... 6 Relazione sull’andamento della gestione dell’impresa relativa all’esercizio 2013 ............................................. 9 Il contesto economico .......................................................................................................................................... 21 Panorama internazionale .....................................................................................................................................21 La situazione europea e italiana ...........................................................................................................................22 Gli interventi di politica economica e la situazione dei mercati monetari e finanziari ..............................................22 L’attività bancaria nazionale .................................................................................................................................23 L’economia locale ................................................................................................................................................24 La situazione dell’impresa ................................................................................................................................... 25 Fatti di rilievo dell’esercizio .................................................................................................................................25 La gestione dei rischi ...........................................................................................................................................34 La finanza ............................................................................................................................................................39 Internal audit .......................................................................................................................................................39 Compliance ..........................................................................................................................................................40 Qualità ................................................................................................................................................................42 Gli indirizzi commerciali e organizzativi ................................................................................................................43 Le iniziative promozionali, di utilità sociale e di solidarietà ...................................................................................47 La gestione del personale .....................................................................................................................................50 Informazioni sulle azioni Credito Bergamasco e rating ..........................................................................................51 Relazione sul governo societario e gli assetti proprietari al 31 dicembre 2013 (ai sensi dell’art. 123 bis del D.Lgs. n. 58/1998) ................................................................................................... 53 Informativa sulle operazioni con parti correlate ..................................................................................................... 53 I risultati della gestione ....................................................................................................................................... 55 L’attività di intermediazione creditizia ...................................................................................................................55 Le attività finanziarie ............................................................................................................................................60 Le partecipazioni ..................................................................................................................................................61 Il patrimonio netto ed i coefficienti di solvibilità ....................................................................................................66 Il rendiconto finanziario .......................................................................................................................................67 Il conto economico ...............................................................................................................................................67 I fatti di rilievo intervenuti dopo la chiusura dell’esercizio ..................................................................................... 71 Evoluzione prevedibile della gestione ................................................................................................................... 72 Relazione del Collegio Sindacale ................................................................................................................ 75 Relazione della Società di revisione ........................................................................................................... 81 Attestazione del bilancio d’esercizio al 31 dicembre 2013 ai sensi dell’art. 81-ter del Regolamento Consob n. 11971 del 14 maggio 1999 e successive modifiche ed integrazioni ............................................................... 85 Schemi del bilancio dell’impresa ................................................................................................................ 89 Nota integrativa dell’impresa ..................................................................................................................... 97 Parte A – Politiche contabili ................................................................................................................................ 99 Parte B – Informazioni sullo Stato Patrimoniale .................................................................................................. 131 Parte C – Informazioni sul Conto Economico ...................................................................................................... 176 Parte D – Redditività complessiva ...................................................................................................................... 192 Parte E – Informazioni sui rischi e sulle relative politiche di copertura ................................................................. 193 Parte F – Informazioni sul patrimonio ................................................................................................................ 261 Parte G – Operazioni di aggregazione riguardanti imprese o rami d’azienda ........................................................ 266 Parte H – Operazioni con parti correlate ............................................................................................................. 267 Parte I – Accordi di pagamento basati su propri strumenti patrimoniali .............................................................. 270 Parte L – Informativa di settore ........................................................................................................................
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