Intesa Sanpaolo Spa
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INTESA SANPAOLO S.P.A
Level: 6 – From: 6 – Thursday, February 15, 2007 – 9:53 am – mac5 – 3632 Intro : 3632 Intro PROSPECTUS INTESA SANPAOLO S.p.A. (incorporated as a società per azioni in the Republic of Italy) as Issuer and, in respect of Notes issued by Intesa Bank Ireland p.l.c. and Sanpaolo IMI Bank Ireland p.l.c., as Guarantor and INTESA BANK IRELAND p.l.c. (incorporated with limited liability in Ireland under registered number 217741) and SANPAOLO IMI BANK IRELAND p.l.c. (incorporated with limited liability in Ireland under registered number 125216) as Issuers €35,000,000,000 Global Medium Term Note Programme ___________________________________ Under the €35,000,000,000 Global Medium Term Note Programme (the “Programme”) described in this Prospectus, Intesa Sanpaolo S.p.A. (“Intesa Sanpaolo”), Intesa Bank Ireland p.l.c. (“IBI”) and Sanpaolo IMI Bank Ireland p.l.c. (“Sanpaolo IMI Bank Ireland”) (together, the “Issuers” and, each of them, an “Issuer”) may issue notes (“Notes”) on a continuing basis to one or more of the Dealers named on page 31 and any additional Dealer appointed under the Programme from time to time (each a “Dealer” and together the “Dealers”). References in this Prospectus to the “relevant Dealer” shall be, in the case of an issue of Notes to more than one Dealer, to the lead manager of such issue and, in the case of an issue of Notes to one Dealer, to such Dealer. The Notes will be constituted by an amended and restated trust deed dated 15th February, 2007 (as amended, supplemented and/or restated from time to time, the “Trust Deed”) between the Issuers and The Law Debenture Trust Corporation p.l.c. -
REPORT on the CORPORATE GOVERNANCE and OWNERSHIP STRUCTURE of UBI BANCA Scpa
REPORT ON THE CORPORATE GOVERNANCE AND OWNERSHIP STRUCTURE OF UBI BANCA Scpa Web site: www.ubibanca.it Year: 2008 Date: 24.03.2009 Introduction Governance of UBI Banca Composition of the share capital Role of the Parent Bank and the Unione di Banche Italiane Group Governing bodies of UBI Banca • Shareholders’ meetings • Supervisory Board - APPOINTMENT AND COMPOSITION - REMUNERATION - INDEPENDENT BOARD MEMBERS - FUNCTIONS OF THE SUPERVISORY BOARD - CHAIRMAN - MANAGEMENT OR SUPERVISORY POSITIONS HELD BY MEMBERS OF THE SUPERVISORY BOARD - MEETINGS • Committees - APPOINTMENTS COMMITTEE - REMUNERATION COMMITTEE - INTERNAL CONTROL COMMITTEE - ACCOUNTS COMMITTEE • Management Board - APPOINTMENT AND COMPOSITION - REMUNERATION - EXECUTIVE AND NON -EXECUTIVE BOARD MEMBERS - INDEPENDENT BOARD MEMBERS - FUNCTIONS OF THE MANAGEMENT BOARD - CHAIRMAN - MANAGEMENT OR SUPERVISORY POSITIONS HELD BY MEMBERS OF THE MANAGEMENT BOARD - MEETINGS • Chief Executive Officer • Board Member Appointed to Supervise the System of Internal Control • Board of Arbitration • General Management • Manager charged with preparing financial reports (Financial Reporting Officer) The internal control system Organisation, management and control model pursuant to Legislative Decree No. 231/2001 and the relative Supervisory Body Related party transactions Treatment of confidential information Internal Dealing Relations with Shareholders, Institutional Investors and the Financial Community Auditing of accounts Attachments Summary tables 755 Report on Corporate governance Introduction -
20171121 Instantpayments PR
PRESS RELEASE Gruppo Banca Sella, Intesa Sanpaolo and UniCredit go live with instant payments The three banking groups are the first in Italy to provide SEPA Instant Credit Transfers via EBA Clearing’s RT1 system to their customers Milan, November 21 2017 - Instant transfer payments in euro have arrived in Italy. Gruppo Banca Sella , Intesa Sanpaolo and UniCredit are the first banks in Italy to make the payment service based on the European Payments Council’s new SEPA Instant Credit Transfer (SCT Inst) scheme available to their customers. Starting from today, the launch date of the scheme, all three banks use EBA Clearing 's RT1 system, the first pan-European platform for real-time payments in euro. The RT1 system has been developed by EBA Clearing with the support of 39 funding banks from across Europe, including Gruppo Banca Sella, Intesa Sanpaolo and UniCredit. The three Italian banks are therefore among the first in Europe to implement this new payment instrument, which immediately allows for instant transfer payments to be received from counterparties across the entire Single Euro Payments Area. Sending payments will be gradually implemented in the next few months , in accordance with the programmes of each of the member banks. The instant transfer instrument allows payments in euro to be processed within seconds, so that the payment amount is immediately available to the beneficiary. Transfers can be done at any time, every day (including Saturdays and holidays), 24 hours a day, and the crediting of the beneficiary's account is immediate. The maximum amount per transfer is currently 15,000 euro. -
FINE-TUNED BNP PARIBAS EXCELS at the BUSINESS of BANKING BNP Paribas Is That Rarity: a Large Bank Actually Delivering on Its Promises to Stakeholders
Reprinted from July 2016 www.euromoney.com WORLD’S BEST BANK BNP PARIBAS EXCELS AT THE BUSINESS OF BANKING World’s best bank Reprinted from July 2016 Copyright© Euromoney magazine www.euromoney.com WORLD’S BEST BANK FINE-TUNED BNP PARIBAS EXCELS AT THE BUSINESS OF BANKING BNP Paribas is that rarity: a large bank actually delivering on its promises to stakeholders. It is producing better returns even than many of the US banks, despite being anchored in a low-growth home region, building capital and winning customers – all while proving the benefits of a diversified business model. Its cadre of loyal, long-serving senior executives look to have got the strategy right: staying the course in Asia and the US and running global customer franchises, but only in the select services it excels at By: Peter Lee Illustration: Jeff Wack eset by weak profitability, negative interest rates and Its third division, international financial services, includes banking low growth in their home markets, European banks in the US, Latin America and Asia, as well as specialist business such are losing out to US rivals that restructured and as consumer finance, asset and wealth management and insurance. recapitalized quickly after the global financial crisis At a time when peers are still shrinking, BNP Paribas is growing. and whose home economy has enjoyed a much more While new and uncertain management teams struggle to get back Brobust recovery since. to basics, the technicians at BNP Paribas embrace geographic and In April, the European Banking Authority published its latest update business diversity. Critics see a large bank running on six engines in on the vulnerabilities of the 154 biggest European banks and noted a the age of the monoplane. -
Rome, 30 November 2019 Identification of the Unicredit
Rome, 30 November 2019 Identification of the UniCredit, Intesa Sanpaolo, Banco BPM and Monte dei Paschi di Siena banking groups as other systemically important institutions authorized to operate in Italy The Bank of Italy has identified the UniCredit, Intesa Sanpaolo, Banco BPM and Monte dei Paschi di Siena banking groups as other systemically important institutions (O-SIIs) authorized to operate in Italy in 2020. Compared with last year, the Monte dei Paschi di Siena group has returned to O-SII status. UniCredit, Intesa Sanpaolo, Banco BPM and Monte dei Paschi di Siena will have to maintain a capital buffer of 1.00, 0.75, 0.25 and 0.25 per cent, respectively, of their total risk-weighted exposure, to be achieved according to the transitional periods shown in Table 1. Table 1 Transitional period applicable to the O-SII buffers (per cent) From From From From Banking group 1 Jan. 2019 1 Jan. 2020 1 Jan. 2021 1 Jan. 2022 UniCredit 0.50 0.75 1.00 1.00 Intesa Sanpaolo 0.38 0.56 0.75 0.75 Banco BPM 0.06 0.13 0.19 0.25 Monte dei Paschi di Siena - 0. 13 0. 19 0.25 The decision was taken pursuant to Bank of Italy Circular No 285/2013 (prudential regulations for banks), which implements Directive 2013/36/EU and specifies the criteria on which the methodology for identifying O-SIIs is based. The assessment was conducted in accordance with the European Banking Authority Guidelines (EBA/GL/2014/10), which set out the criteria and data required to identify O-SIIs in EU jurisdictions. -
INTESA SANPAOLO S.P.A. Società Iscritta All'albo Delle Banche Al N
INTESA SANPAOLO S.P.A. Società iscritta all’Albo delle Banche al n. 5361 Capogruppo del Gruppo Bancario Intesa Sanpaolo iscritto all’Albo dei Gruppi Bancari Sede legale in Torino, Piazza San Carlo 156 Sede secondaria in Milano, Via Monte di Pietà 8 Capitale sociale Euro 6.646.547.922,56 Numero di iscrizione al Registro delle Imprese di Torino e codice fiscale: 00799960158 Partita I.V.A: 10810700152 Aderente al Fondo Interbancario di Tutela dei Depositi ed al Fondo Nazionale di Garanzia DOCUMENTO DI REGISTRAZIONE Intesa Sanpaolo S.p.A. (l'Emittente o la Banca) ha predisposto il presente documento di registrazione (il Documento di Registrazione, in cui si devono ritenere comprese le informazioni indicate come ivi incluse mediante riferimento) in conformità ed ai sensi della Direttiva sul Prospetto (Direttiva 2003/71/CE) (la Direttiva). Il Documento di Registrazione (che comprende le informazioni su Intesa Sanpaolo S.p.A. nella sua veste di emittente), assieme alla documentazione predisposta per l'offerta e/o quotazione degli strumenti finanziari di volta in volta emessi, redatta in conformità alla Direttiva, i.e. la nota informativa sugli strumenti finanziari (anche facente parte di programmi di emissione e che contiene i rischi e le informazioni specifiche connesse agli strumenti finanziari) (la Nota Informativa), la nota di sintesi (contenente in breve i rischi e le caratteristiche essenziali connessi a Intesa Sanpaolo S.p.A. e agli strumenti finanziari) (la Nota di Sintesi), i vari eventuali avvisi nonché la documentazione indicata come inclusa mediante riferimento nei medesimi, costituisce un prospetto ai sensi e per gli effetti della Direttiva. -
Numero 10 - Marzo 2015
Periodico on - line Fiba Cisl Gruppo Cariparma Crédit Agricole Gruppo CINQUE DOMANDE AL SEGRETARIO RESPONSABILE Cariparma TUTTE LE NOVITA’ DELLA POLIZZA SANITARIA 2015 Carispezia I PERCHE’ DELLO SCIOPERO - LO STUDIO SULLE PARI OPPORTUNITA’ Friuladria AL LAVORO IN BICI: ANCHE DA NOI SI PUO’ FARE ? NUMERO 10 - MARZO 2015 IN REDAZIONE SINDACANDO Numero 10 Marzo 2015 Periodico on-line a cura della FIBA CISL GRUPPO CARIPARMA CREDIT AGRICOLE Segretario Responsabile ANDREA ZECCA Responsabile Comunicazione Gruppo NICOLA TANZI Hanno collaborato a questo numero ANDREA ZECCA GIACOMO MENCHELLI NICOLA TANZI ANDREA TASSI FABIO BOMMEZZADRI PIERANGELO MAZZARELLA MARCELLO NANNI ILARIA AZZARINI CARLO BOMPASSO Sede PARMA, VIA C. GHIRETTI 2 Tel.0521 291074 Fax 0521 1622145 Sito Internet WWW.FIBAGRUPPOCARIPARMA.IT E-mail [email protected] Nelle foto dall’alto: Grafica, impaginazione e coordinamento Parma, Pordenone e La Spezia. NICOLA TANZI Si ringrazia SARA BARBEROTTI Numero chiuso in redazione il 26 Febbraio 2015 2 IN QUESTO NUMERO n.10 - marzo 2015 Pagina 6 EDITORIALE Dal 2 al 13 marzo si terranno le elezioni per Pagina 4 FACCIAMO IL PUNTO il rinnovo delle cariche Cinque domande al Segretario Responsabile del Fondo Pensione di Gruppo IN COPERTINA Pagina 6 RINNOVO ORGANISMI FONDO PENSIONE Pagina 8 Il momento che conta di Andrea Tassi, Pierangelo Mazzarella e Carlo Bompasso Le novità della polizza sanitaria Cariparma: la compagnia, ATTUALITA’ le prestazioni, le novità. Pagina 8 ASSISTENZA SANITARIA CARIPARMA La nuova era - di Nicola Tanzi L’ANALISI -
Intesa Sanpaolo Innovates Banking with New Services Supported by Advanced Technology
Intesa Sanpaolo Financial Services Intesa Sanpaolo innovates banking with new services supported by advanced technology Intesa Sanpaolo is the banking group formed The bank created a roadmap to move Intesa Sanpaolo: by the merger of Banca Intesa and Sanpaolo away from its old banking model—a Size: More than 93,000 employees IMI bringing together two major Italian proprietary UNIX environment—to converged banks with shared values to increase their infrastructure and open systems. The Industry: Financial services opportunities for growth, enhance service new platform needed the performance Location: Turin, Italy for retail customers, significantly support and simplicity to respond to new market the development of businesses and make demands as well as cost and regulatory an important contribution to the country’s pressures. The solution also had to be Solutions growth. Intesa Sanpaolo has focused on scalable, because the bank is constantly • Flexible infrastructure expands opportunities for profitable growth through adding new services. quickly to support new services continuously evolving online services. And that means developing a new banking model Intesa Sanpaolo collaborated with Cisco for • Virtualized environment reduces to reduce infrastructure costs and improve a simplified platform that supports innovation costs, power, and footprint while time to market for new applications. and growth by delivering new application increasing performance environments in minutes and at far lower cost. • New cloud, analytics, and big data Challenge: Growth Through New Services The role of technology in financial services Embracing New Speeds services drive business growth ® is changing. Banks that are able to bring With Cisco UCS servers and Cisco new services to market quickly capture the management tools, the Intesa Sanpaolo most market share. -
(Eu) No. 575/2013 As at December 31, 2017
ACCORDING TO REGULATION (EU) NO. 575/2013 AS AT DECEMBER 31, 2017 Disclosure by Institutions according to Regulation (EU) 575/2013 as at December 31, 2017 Disclosure by institutions – Contents Contents Introduction ................................................................................................................................................................... - 3 - General Disclosure Requirements .............................................................................................................................. - 5 - Scope of application .................................................................................................................................................... - 6 - Own Funds ................................................................................................................................................................... - 7 - Capital requirements .................................................................................................................................................. - 14 - Capital Buffers ............................................................................................................................................................ - 20 - Credit risk adjustments .............................................................................................................................................. - 22 - Remuneration and incentive systems and practices .............................................................................................. -
Prospectus Supplement Intesa
PROSPECTUS SUPPLEMENT INTESA SANPAOLO S.p.A. (incorporated as a società per azioni in the Republic of Italy) as Issuer and, in respect of Notes issued by Intesa Bank Ireland p.l.c. and Sanpaolo IMI Bank Ireland p.l.c., as Guarantor INTESA BANK IRELAND p.l.c. and (incorporated with limited liability in Ireland under registered number 217741) SANPAOLO IMI BANK IRELAND p.l.c. (incorporated with limited liability in Ireland under registered number 125216) as Issuers 35,000,000,000 Global Medium Term Note Programme This Prospectus Supplement (the “Supplement”) is supplemental to and must be read in conjunction with the Prospectus dated 15th February, 2007 (the “Prospectus”), prepared by Intesa Sanpaolo S.p.A. (“Intesa Sanpaolo”), Intesa Bank Ireland p.l.c. (“IBI”) and Sanpaolo IMI Bank Ireland p.l.c. ("SIBI" and, together with Intesa Sanpaolo and IBI, the “Issuers”) in connection with their 35,000,000,000 Global Medium Term Note Programme (the “Programme”). Terms defined in the Prospectus have the same meaning when used in this Supplement. This Supplement has been approved by the Commission de Surveillance du Secteur Financier (the “CSSF”) in its capacity as competent authority pursuant to the Luxembourg Law on Prospectuses for Securities dated 10th July, 2005, which implements Directive 2003/71/EC (the “Prospectus Directive”). In addition, the Issuers have requested that the CSSF send a certificate of approval pursuant to Article 18 of the Prospectus Directive, together with a copy of this Supplement, to the Irish Financial Services Regulatory Authority in its capacity as competent authority in Ireland. -
Building the #1 Bank in Europe on Solid Fundamentals and Values
Building the #1 Bank in Europe on Solid Fundamentals and Values A Strong Bank for ISP 2018-2021 Business Plan a Digital World February 6, 2018 MIL-BVA362-03032014-90141/VR Disclaimer This presentation includes certain forward looking statements, projections, objectives and estimates reflecting the current views of the management of the Company with respect to future events. Forward looking statements, projections, objectives, estimates and forecasts are generally identifiable by the use of the words “may,” “will,” “should,” “plan,” “expect,” “anticipate,” “estimate,” “believe,” “intend,” “project,” “goal” or “target” or the negative of these words or other variations on these words or comparable terminology. These forward-looking statements include, but are not limited to, all statements other than statements of historical facts, including, without limitation, those regarding the Company’s future financial position and results of operations, strategy, plans, objectives, goals and targets and future developments in the markets where the Company participates or is seeking to participate. Due to such uncertainties and risks, readers are cautioned not to place undue reliance on such forward-looking statements as a prediction of actual results. The Group’s ability to achieve its projected objectives or results is dependent on many factors which are outside management’s control. Actual results may differ materially from (and be more negative than) those projected or implied in the forward-looking statements. Such forward-looking information involves risks and uncertainties that could significantly affect expected results and is based on certain key assumptions. All forward-looking statements included herein are based on information available to the Company as of the date hereof. -
Assicurazioni Generali
Assicurazioni Generali MANAGEMENT REPORT AND PARENT COMPANY STATEMENTS th year 2009 MANAGEMENT REPORT AND PARENT COMPANY STATEMENTS 2009 APPROVED BY THE SHAREHoLDERS’ MEETING OF 24 APRIL 2010 Registered Office and Central Head Office in Trieste Head Office for Italian Operations in Mogliano Veneto Capital (fully paid in) Euro 1,556,864,483.00 Fiscal code and Trieste Companies Register 00079760328 Company entered in the Register of Italian Insurance and Reinsurance Companies under no. 100003 Parent Company of Generali Group, entered in the Register of Insurance Groups under no. 026 CHAIRMAN Cesare Geronzi VICE-CHAIRMEN Vincent Bolloré, Francesco Gaetano Caltagirone, Alberto Nicola Nagel MANAGING DIRECTORS AND GROUP CEO Giovanni Perissinotto (*) (*) He acts also as General Manager MANAGING DIRECTOR Sergio Balbinot (*) (*) He acts also as General Manager DIRECTORS Ana Patricia Botìn / Cesare Calari / Carlo Carraro (**) Directors who, together with the Chairman, Diego Della Valle / Leonardo Del Vecchio (**) / Petr Kellner Vice-Chairmen and Managing Directors, form the Executive Committee Angelo Miglietta / Alessandro Pedersoli / Lorenzo Pellicioli (**) Reinfried Pohl / Paola Sapienza / Paolo Scaroni / Francesco Saverio Vinci GENERAL COUNCIL Giorgio Davide Adler / José Ramón Álvarez Rendueles Comprising, besides the below listed elective José Maria Amusátegui de la Cierva / Francesco Maria Attaguile Members, the Members of the Board of Directors and the General Managers Claude Bébéar / Kenneth J. Bialkin / Gerardo Broggini Giacomo Costa / Maurizio