Exploring Ways to Model Reputation Loss
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Annual Report 2016 22 March 2017 Table of Contents
Annual report 2016 22 March 2017 Table of contents Overview 5 Highlights 5 Message from the chairman 6 About Delta Lloyd 8 Our brands 8 Our strategy 9 Our environment 12 How we create value 14 Value creation model 14 Delta Lloyd’s contribution to the UN SDGs 16 Stakeholders and materiality 17 Materiality assessment 20 Delta Lloyd in 2016 23 Capital management 27 Financial and operational performance 29 Life Insurance 31 General Insurance 34 Asset Management 37 Bank 39 Corporate and other activities 41 Investor relations and share developments 41 Human capital 46 Risk management and compliance 50 Risk management 50 Risk management philosophy 50 Risk governance 51 Risk management responsibilities 52 Risk processes and systems 53 Risk culture 54 Risk taxonomy 55 Top five risks 58 Compliance 61 Fraud 62 Corporate governance 64 Executive Board and Supervisory Board 64 Executive Board 64 Supervisory Board 64 Supervisory Board committees 65 Report of the Supervisory Board 66 Role of the Supervisory Board 67 Strategy 67 Key issues in 2016 68 Other issues 69 Supervisory Board composition 70 Supervisory Board meetings 70 Supervisory Board committees 71 Financial statements and profit appropriation 75 A word of thanks 76 Remuneration report 2016 77 Remuneration policy 77 Governance of the remuneration policy 77 Remuneration received by Executive Board members 81 Remuneration of the Supervisory Board 93 Corporate governance 96 Corporate governance statement 104 EU directive on takeover bids 104 In control statement 106 Management statement under Financial -
Bank of England List of Banks
LIST OF BANKS AS COMPILED BY THE BANK OF ENGLAND AS AT 31 October 2017 (Amendments to the List of Banks since 30 September 2017 can be found on page 5) Banks incorporated in the United Kingdom Abbey National Treasury Services Plc DB UK Bank Limited ABC International Bank Plc Diamond Bank (UK) Plc Access Bank UK Limited, The Duncan Lawrie Limited (Applied to cancel) Adam & Company Plc ADIB (UK) Ltd EFG Private Bank Limited Agricultural Bank of China (UK) Limited Europe Arab Bank plc Ahli United Bank (UK) PLC AIB Group (UK) Plc FBN Bank (UK) Ltd Airdrie Savings Bank FCE Bank Plc Al Rayan Bank PLC FCMB Bank (UK) Limited Aldermore Bank Plc Alliance Trust Savings Limited Gatehouse Bank Plc Alpha Bank London Limited Ghana International Bank Plc ANZ Bank (Europe) Limited Goldman Sachs International Bank Arbuthnot Latham & Co Limited Guaranty Trust Bank (UK) Limited Atom Bank PLC Gulf International Bank (UK) Limited Axis Bank UK Limited Habib Bank Zurich Plc Bank and Clients PLC Habibsons Bank Limited Bank Leumi (UK) plc Hampden & Co Plc Bank Mandiri (Europe) Limited Hampshire Trust Bank Plc Bank Of America Merrill Lynch International Limited Harrods Bank Ltd Bank of Beirut (UK) Ltd Havin Bank Ltd Bank of Ceylon (UK) Ltd HSBC Bank Plc Bank of China (UK) Ltd HSBC Private Bank (UK) Limited Bank of Cyprus UK Limited HSBC Trust Company (UK) Ltd Bank of Ireland (UK) Plc HSBC UK RFB Limited Bank of London and The Middle East plc Bank of New York Mellon (International) Limited, The ICBC (London) plc Bank of Scotland plc ICBC Standard Bank Plc Bank of the Philippine Islands (Europe) PLC ICICI Bank UK Plc Bank Saderat Plc Investec Bank PLC Bank Sepah International Plc Itau BBA International PLC Barclays Bank Plc Barclays Bank UK PLC J.P. -
Vzor Závěrečné Práce
Masarykova univerzita Ekonomicko-správní fakulta Studijní obor: Regionální rozvoj a správa INOVAČNÍ PROSTŘEDÍ A POLITIKA V NIZOZEMSKÝCH REGIONECH Innovation environment and innovation policy in the Dutch regions Diplomová práce Vedoucí diplomové práce: Autor: Ing. Viktorie Klímová, Ph.D. Bc. Soňa RASZKOVÁ Brno, 2018 Jméno a příjmení autora: Soňa Raszková Název diplomové práce: Inovační prostředí a politika v nizozemských regionech Název práce v angličtině: Innovation environment and innovation policy in the Dutch regions Katedra: Regionálního rozvoje a správy Vedoucí diplomové práce: Ing. Viktorie Klímová, Ph.D. Rok obhajoby: 2018 Anotace Cílem diplomové práce „Inovační prostředí a politika v nizozemských regionech” je analyzovat a determinovat prvky, které ovlivňují úspěšnost a efektivitu regionálních inovačních systémů na příkladu vybraných regionálních inovačních systémů v Nizozemsku. První část práce je zaměřena na popis inovačních systémů, jejich koncept, strukturu, prvky, funkce a typologii, regionální inovační politiku a její nástroje. Druhá část práce analyzuje nizozemský národní inovační systém, jeho aktéry a nástroje. Posléze se práce zaměřuje na popis jednotlivých regionů a u třech vybraných regionů (Severní Holandsko, Jižní Holandsko a Severní Brabantsko) analyzuje a charakterizuje jejich regionální inovační systém. Toto srovnání je zaměřeno na socioekonomické charakteristiky, infrastrukturu a aktivitu výzkumu a vývoje, inovační politiku a její nástroje. Tyto determinanty úspěšnosti jsou podrobeny hlubší analýze. Annotation The aim of the diploma thesis "Innovation environment and innovation policy in the Dutch regions" is to analyse and determine the elements that influence the success and effectiveness of regional innovation systems on the example of selected regional innovation systems in the Netherlands. The first part of the thesis focuses on definition of innovation systems, their concept, structure, elements, functions and typology, regional innovation policy and its tools. -
Annual Report and Accounts 2012
Towards a stronger Aviva Aviva plc Annual report and accounts 2012 | Retirement | Investments | Insurance | Health | Aviva is a life, general and health insurance business and provides asset management services. We are the largest insurer in the UK* and we have strong businesses in selected international markets. Our products help 34 million customers** enjoy the peace of mind that comes from managing the risks of everyday life. With us, they can save for a more comfortable retirement and protect – with insurance – the people and things that are important to them. We’re here to help people, businesses and communities get back on their feet when the unexpected happens. It is therefore our responsibility to make sure that our 317-year-old business will be there for our customers long into the future. 2012 was a year of change for Aviva. In this annual report you can read more about how we’re taking steps to create a stronger Aviva. View our reports online 2012 Annual report 2012 Corporate and accounts responsibility report We provide our annual Find out more about our report online which allows commitment to acting us to reduce the paper we as a responsible member print and distribute. of the international business community. Visit Aviva plc View our CR report here www.aviva.com/ www.aviva.com/ * Based on aggregate 2011 UK life and pensions sales (PVNBP) reports/2012ar reports/2012cr and general insurance gross written premiums ** On an ongoing basis 1 Aviva plc Annual report and accounts 2012 What’s inside Inside the essential read Our plan to change Aviva Chairman’s statement 04 Group chief executive In July 2012, we announced a plan designed officer’s statement 06 to strengthen our capital position and transform Chief financial officer’s Aviva: Focus, Strengthen, Perform. -
Eindhoven University of Technology MASTER De Ontwikkeling Van Een
Eindhoven University of Technology MASTER De ontwikkeling van een sourcing strategie voor direct schade herstel Welle, S.H. Award date: 2007 Link to publication Disclaimer This document contains a student thesis (bachelor's or master's), as authored by a student at Eindhoven University of Technology. Student theses are made available in the TU/e repository upon obtaining the required degree. The grade received is not published on the document as presented in the repository. The required complexity or quality of research of student theses may vary by program, and the required minimum study period may vary in duration. General rights Copyright and moral rights for the publications made accessible in the public portal are retained by the authors and/or other copyright owners and it is a condition of accessing publications that users recognise and abide by the legal requirements associated with these rights. • Users may download and print one copy of any publication from the public portal for the purpose of private study or research. • You may not further distribute the material or use it for any profit-making activity or commercial gain ARW versiteil eindhoven f/ j / ::; l 2007 delta lloyd groep BDK 'De Ontwikkeling van een Sourcing Strategie voor Direct Schade Herstel'. , ................ ,,, .. ,~,:' ... .•·; ' ·.· .• t I ', ,_; ~; ~ .. " • ....... _.. ,~.· : . / .... ' .. ' . ... , ,._ .... '":' ~·:•' ' .. !,},{' ·1 ,,r;4 ·-.. www.skyscrapercity.com Steven H. Welle Januari 2007 delta lloyd groep TBM 'De Ontwikkeling van een Sourcing Strategie voor Direct Schade Herstel'. Datum Dinsdag 9 januari 2007 Student S.H. Welle Frans Halsstraat 5, III 1072 BJ Amsterdam +316 4176 4435 [email protected] Onderwijsinstelling Technische Universiteit Eindhoven Den Dolech 2 5600 MB Eindhoven Faculteit Technologie en Management Studie Technische Bedrijfskunde Afstudeerbegeleiders TU/e Eerste begeleider Prof dr. -
Controversial Arms Trade
Case study: Controversial Arms Trade A case study prepared for the Fair Insurance Guide Case study: Controversial Arms Trade A case study prepared for the Fair Insurance Guide Anniek Herder Alex van der Meulen Michel Riemersma Barbara Kuepper 18 June 2015, embargoed until 18 June 2015, 00:00 CET Naritaweg 10 1043 BX Amsterdam The Netherlands Tel: +31-20-8208320 E-mail: [email protected] Website: www.profundo.nl Contents Summary ..................................................................................................................... i Samenvatting .......................................................................................................... viii Introduction ................................................................................................................ 1 Chapter 1 Background ...................................................................................... 2 1.1 What is at stake? ....................................................................................... 2 1.2 Trends in international arms trade .......................................................... 3 1.3 International standards............................................................................. 4 1.3.1 Arms embargoes ......................................................................................... 4 1.3.2 EU arms export policy ................................................................................. 4 1.3.3 Arms Trade Treaty ..................................................................................... -
Second Update to the 2014 Registration Document and Half Year Financial Report Filed with the Amf on August 3, 2015
SECOND UPDATE TO THE 2014 REGISTRATION DOCUMENT AND HALF YEAR FINANCIAL REPORT FILED WITH THE AMF ON AUGUST 3, 2015 Registration document and annual financial report filed with the AMF (Autorité des Marchés Financiers) on March 6, 2015 under No. D.15-0107 First update filed with the AMF (’Autorité des Marchés Financiers) on April 30, 2015 under No. D.15-0107 sous le numéro D.15-0107-A01 The English language version of this report is a free translation from the original, which was prepared in French. All possible care has been taken to ensure that the translation is accurate presentation of the original. However, in all matters of interpretation, views or opinion expressed in the original language version of the document in French take precedence over the translation. Société Anonyme (Public Limited Company) with capital of 2,492,372,484 euros Head office : 16 boulevard des Italiens, 75009 PARIS R.C.S.: PARIS 662 042 449 BNP PARIBAS – SECOND UPDATE TO THE REGISTRATION DOCUMENT 1. HALF YEAR MANAGEMENT REPORT .................................................................................................... 3 2. GOVERNANCE ......................................................................................................................................... 67 3. FINANCIAL INFORMATION AS AT 30 JUNE 2015 ................................................................................ 68 4. RISKS AND CAPITAL ADEQUACY (UNAUDITED) ............................................................................. 152 5. ADDITIONAL INFORMATION ............................................................................................................... -
Philanthropy Services by Dutch Banks: Creating Impact for Colleagues, Clients and Charities
Philanthropy services by Dutch banks: Creating impact for colleagues, clients and charities Philanthropy services by Dutch banks: Creating Impact for Colleagues, Clients and Charities Jacqueline Detiger (www.betergeven.nl) Joining forces for more impact In October 2015 four Dutch Charity Desks at banks offering philanthropy services to wealthy clients set up the FAFI network (the name derives from Philanthropy Advice by Financial Institutions). The aim of this cooperation is to meet regularly to share best practices, new perspectives and research results so as to improve knowledge and insights in philanthropy and to be able to expand the number of clients making use of philanthropy advice. Jacqueline Detiger ecent research in the Netherlands shows Banks provide this service because customers that wealthy individuals are looking for show a keen interest in it and it is part of these ways to give more strategically. Charity banks’ DNA. Guus Loomans of Rabobank states: desks of banks provide this service. In the “We have a long tradition of giving through our Rend, it is all about helping clients with their giving foundation and through our employee giving plan and to increase the number of clients investing in fund. Giving is in the DNA of our Cooperative charities: making the pie bigger for everyone! Bank. To be able to support our clients with philanthropy we started our Charity Management We even have a verb for joining forces so as to get Services eight years ago.” Andrew Mackay of positive results that are beneficial for everybody. Van Lanschot Charity Service remarks: “The client is asking us about giving and social investing. -
Delta Lloyd Levensverzekering NV Dated Subordinated Notes - Investor Presentation, August 2012 Table of Contents I
Delta Lloyd Levensverzekering NV Dated Subordinated Notes - Investor Presentation, August 2012 Table of contents I. Delta Lloyd Group II. Delta Lloyd Levensverzekering NV III. Transaction information IV. Appendix 2 Delta Lloyd Group reliable partner since 1807 FY 2011 GWP by Geography1 • A strong Group secured on 200 years Belgium of reliability and trust 15% • An insurance company and financial services provider – Life & Pension insurance, General Insurance, Asset Management and Netherlands 85% Banking Total: € 5,529m • Distribution mainly through three FY 2011 GWP by Segment1 brands: Delta Lloyd, OHRA and ABN General Insurance AMRO 28% • Approx. 6,000 FTE, focus on the Netherlands and Belgium Life & Pensions 72% Total: € 5,529m 1. GWP excluding Germany. 3 Overview of Delta Lloyd Group Simplified Group Structure 1 Free Float 19.8%79.3% Aviva Delta Lloyd NV Issuer DL Levens – DL Schade – Other Subs.2 Verzekering NV Verzekering NV Key Financials H1 (IFRS) €m, Delta Lloyd Group 2012 2011 €m, Levensverzekering3 2012 2011 Net operational profit 218 227 Net operational profit 144 127 Net profit (942) (342) Net profit (773) (218) Total assets 76.8bn 71.4bn Total assets 38.1bn 35.5n⁴ Shareholders’ funds 2,860 4,021 Shareholders’ funds 2,033 2,859⁴ FTE 5,963 6,034 FTE 756 782 GWP 2,877 2,818 GWP 1,402 1,408 Current rating (S&P) BBB+ (stable) Current rating (S&P) A (stable) IGD Group solvency 194% 203% Regulatory solvency 275% 200%⁴ 1. 0.9% of shares are owned by Delta Lloyd. See appendix for further details. 2. Includes, amongst others, Delta Lloyd Bank and Delta Lloyd Asset Management. -
2018 Transparency Report Deloitte Accountants B.V. Aspire with Assurance Date Published Sept 28, 2018
0 2018 Transparency Report Deloitte Accountants B.V. Aspire with assurance Date published Sept 28, 2018 0 2018 Transparency Report | Regulatory context Regulatory context This Transparency Report has been prepared in accordance with Article 13 of the Regulation No 537/2014 of the European Parliament and of the Council of 16 April 2014 (The EU Audit Regulation). The EU Audit Regulation came into force on 17 June 2016 and requires publication of an annual Transparency Report by audit firms that perform statutory audits of public interest entities. It supersedes the provisions of the ‘Wet toezicht accountantsorganisaties (Wta)’. This Transparency Report relates to our principal activities in the Netherlands for the financial year ending May 31, 2018 unless otherwise stated. 1 2018 Transparency Report | Contents Contents Leadership message – Report from the Executive Board of Deloitte Accountants B.V. 2 Leadership message – Report from the supervisory board of Deloitte Coöperatief U.A. 5 Deloitte network 9 Developing leadership – Talent 14 What Deloitte Audit & Assurance brings to capital markets 19 External and internal audit quality monitoring 22 Independence, ethics, and additional disclosures 37 Appendices 42 Appendix A | EU EEA audit firms 43 Appendix B | Financial information 46 Appendix C | Public interest entities 47 Appendix D | Status of implementation of NBA Measures 51 2 2018 Transparency Report | Leadership message – Report from the Executive Board of Deloitte Accountants B.V. Leadership message – Report from the Executive Board of Deloitte Accountants B.V. For Deloitte making an impact that matters means • Our Quality, with significant investments in, for that we focus on delivering independent high example, (i) further bolstering root cause quality audits and are dedicated to pursuing analyses to properly understand and develop opportunities and addressing challenges to meet leading practices; (ii) the global Audit Quality the expectations of the public interest. -
De Nederlandsche Bank Nv
DE NEDERLANDSCHE BANK NV Uitvoering Wet toezicht kredietwezen 1992 Verklaringen van geen bezwaar op grond van artikel 26 van de Wet toezicht kredietwezen 1992 (Wtk 1992) In de verslagperiode zijn op grond van artikel 26 Wtk 1992 door de Nederlandsche Bank, vanwege de Minister van Financiën, de volgende verklaringen van geen bezwaar verleend of ingetrokken. Verleend aan: Aard van de handeling: Betrokken onderneming Datum afgifte of of instelling intrekking van de verklaring van geen bezwaar Art. 23, eerste lid, sub b; deelneming Amsterdam International Bank 50% rechtstreeks DBTC Effectenbewaarbedrijf B.V. 01-11-1999 and Trust Company B.V. Rabobank Nederland 100% middellijk Isacle Investments B.V. 04-11-1999 Westland/Utrecht 100% middellijk C.V. Obligo 04-11-1999 Hypotheekbank N.V. ABN AMRO Bank N.V. 100% middellijk ABN AMRO International Treasury 05-11-1999 Securities Company Kft ABN AMRO Bank N.V. 33% middellijk ECT Beheer B.V. 05-11-1999 ABN AMRO Bank N.V. 12,6% middellijk Infomedas, Agencia de Valores S.A. 05-11-1999 ABN AMRO Bank N.V. 22,3% middellijk Balzac Participation S.A. 05-11-1999 ABN AMRO Bank N.V. 20% middellijk Stichting NavPart 05-11-1999 ABN AMRO Bank N.V. 20% middellijk NavPart I B.V. 05-11-1999 ABN AMRO Bank N.V. 20% middellijk NavPart II B.V. 05-11-1999 ABN AMRO Bank N.V. 33% middellijk Darfeuille Associés S.A. 05-11-1999 ABN AMRO Bank N.V. 20% middellijk Plus Intergration Supply Chain Solutions B.V. 05-11-1999 Rabobank Nederland 50% middellijk Geronimo B.V. -
Registered Delegates for the ICMA AGM & Conference As at June 6
Registered delegates for ICMA AGM and Conference in Berlin as at June 6, 2014 Company Title First Name Surname Job title Aareal Bank AG Mr. Jan Kopp Director Operations Legal & Documentation Aargauische Kantonalbank Mr. Peter Pastor SL Treasury & Trading ABB Capital B.V. Mrs. Céleste Tchetgen Vogel Senior Counsel Finance ABN AMRO Bank N.V. Mr. Philip Brutsche Managing Director, Fixed Income & Rates Sales ABN AMRO Bank N.V. Mr. Roland Kepel Head of Fixed Income Sales ABN AMRO Bank N.V. Ms. Ingrid Out Fixed income network sales ABN AMRO Bank N.V. Mr. Bart-Jan van der Noord Sales Advisor ABN AMRO Bank N.V. Mr. Eric Wilde Senior Sales Advisor ACI - The Financial Markets Association Mr. Jean-Pierre Ravisé Managing Director AFS Interest B.V. Mr. Rutger Jakobsen Director Fixed Income AFS Interest B.V. Mr. Boele van der Linden Fixed Income Sales Allen & Overy LLP Mr. Berthold Kusserow Partner Allen & Overy LLP Mr. Patrick Scholl Counsel Allianz Global Investors Europe GmbH Mr. Burkhard Ober Head of Allianz SE, European Affairs Office Brussels Anbima-Brazilian Financial and Capital Market Association Mr. Inô Gazotti Bonds and derivatives markets representation manager Arab African International Bank Mr. Omar Khattab General Manager - Group Treasurer / Dealing Room Arab African International Bank Mrs. Nevine Sabbour Assistant Managing Director - Head of Business Strategies & Finance Group Ashurst LLP Ms. Anna Delgado Partner Ashurst LLP Mr. Francis Kucera Partner Asian Development Bank (ADB) Mr. Thierry de Longuemar Vice President - Finance and Risk Management Association for Financial Markets in Europe (AFME) Mr. Rick Watson Head of Capital Markets Australia and New Zealand Banking Group Limited Mr.