List of Largest Banks
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Ecobank Group Annual Report 2018 Building
BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 ECOBANK GROUP ANNUAL REPORT CONTENTS 05 Performance Highlights 08 Ecobank is the leading Pan-African Banking Institution 09 Business Segments 10 Our Pan-African Footprint 15 Board and Management Reports 16 Group Chairman’s Statement 22 Group Chief Executive’s Review 32 Consumer Bank 36 Commercial Bank 40 Corporate and Investment Bank 45 Corporate Governance 46 Board of Directors 48 Directors’ Biographies 53 Directors’ Report 56 Group Executive Committee 58 Corporate Governance Report 78 Sustainability Report 94 People Report 101 Risk Management 141 Business and Financial Review 163 Financial Statements 164 Statement of Directors’ Responsibilities 165 Auditors’ Report 173 Consolidated Financial Statements 178 Notes to Consolidated Financial Statements 298 Five-year Summary Financials 299 Parent Company’s Financial Statements 305 Corporate Information 3 ECOBANK GROUP ANNUAL REPORT 3 PERFORMANCE HIGHLIGHTS 5 ECOBANK GROUP ANNUAL REPORT PERFORMANCE HIGHLIGHTS For the year ended 31 December (in millions of US dollars, except per share and ratio data) 2018 2017 Selected income statement data Operating income (net revenue) 1,825 1,831 Operating expenses 1,123 1,132 Operating profit before impairment losses & taxation 702 700 Impairment losses on financial assets 264 411 Profit before tax 436 288 Profit for the year 329 229 Profit attributable to ETI shareholders 262 179 Profit attributable per share ($): Basic -
View Annual Report
ANNUAL REPORT 2008 new for a New Era ANNUAL REPORT 2008 9-1, 2-ga, Namdaemun-ro, Jung-gu, Seoul 100-703, Korea Tel: (822) 2073-7114 www.kbfng.com CONTENTS 002 KB Financial Group at a Glance 003 Financial Indicators 004 Message from the Chairman 008 2008 Highlights 010 2008 Awards & Recognition New Star for New Corporate Value 014 Vision & Strategy 016 Senior Management 018 KB FGI Organization Chart 019 KB Financial Group Organization Chart 020 Synergy Creation 022 IT Systems 024 Risk Management New Star for New Social Value 030 Corporate Governance 032 Board of Directors 034 Ethical Management 036 Shareholder Relations 037 Corporate Culture 038 Social Contribution New Star for New Customer Value 042 Kookmin Bank 050 KB Investment & Securities 052 KB Futures 054 KB Asset Management 056 KB Real Estate Trust 058 KB Investment 060 KB Futures 062 KB Credit Information 064 KB Data Systems New Star for New Intrinsic Value 068 Management’s Discussion & Analysis 094 Auditor’s Report 188 Overseas Network 189 Forward-Looking Statements Business Summary Business Summary Business Summary Business Summary Business Summary Business Summary Business Summary Business Summary Business Summary Korea’s largest bank in terms of customers Joining KB Financial Group in March 2008, KB KB Life Insurance was established with KB Asset Management has made a vital KB Real Estate Trust seeks to lead the real KB Investment assists small and medium-sized KB Futures, a brokerage firm specializing in KB Credit Information specializes in the Established in 1991, KB Data Systems is a A new and branches, Kookmin Bank was also first Investment & Securities is a comprehensive capital participation by Kookmin Bank and ING contribution to the industry’s high growth with estate trust industry by providing superior enterprises in financial and business decision- derivatives, contributes to the development of management of unpaid receivables and specialized financial system company for IT in the financial industry to record net income securities company. -
KB Financial Group Inc. and Subsidiaries Consolidated Financial Statements December 31, 2019 and 2018
KB Financial Group Inc. and Subsidiaries Consolidated Financial Statements December 31, 2019 and 2018 KB Financial Group Inc. and Subsidiaries Index December 31, 2019 and 2018 Page(s) Independent Auditor’s Report ......................................................................................................... 1 - 5 Consolidated Financial Statements Consolidated Statements of Financial Position ........................................................................................ 6 Consolidated Statements of Comprehensive Income .............................................................................. 7 Consolidated Statements of Changes in Equity ....................................................................................... 8 Consolidated Statements of Cash Flows ................................................................................................. 9 Notes to the Consolidated Financial Statements .................................................................... 10 - 262 Independent Auditor’s Report (English Translation of a Report Originally Issued in Korean) To the Board of Directors and Shareholders of KB Financial Group Inc. Opinion We have audited the accompanying consolidated financial statements of KB Financial Group Inc. and its subsidiaries (collectively referred to as the "Group"), which comprise the consolidated statements of financial position as at December 31, 2019 and 2018, and the consolidated statements of comprehensive income, consolidated statements of changes in equity and consolidated -
Retirement Strategy Fund 2060 Description Plan 3S DCP & JRA
Retirement Strategy Fund 2060 June 30, 2020 Note: Numbers may not always add up due to rounding. % Invested For Each Plan Description Plan 3s DCP & JRA ACTIVIA PROPERTIES INC REIT 0.0137% 0.0137% AEON REIT INVESTMENT CORP REIT 0.0195% 0.0195% ALEXANDER + BALDWIN INC REIT 0.0118% 0.0118% ALEXANDRIA REAL ESTATE EQUIT REIT USD.01 0.0585% 0.0585% ALLIANCEBERNSTEIN GOVT STIF SSC FUND 64BA AGIS 587 0.0329% 0.0329% ALLIED PROPERTIES REAL ESTAT REIT 0.0219% 0.0219% AMERICAN CAMPUS COMMUNITIES REIT USD.01 0.0277% 0.0277% AMERICAN HOMES 4 RENT A REIT USD.01 0.0396% 0.0396% AMERICOLD REALTY TRUST REIT USD.01 0.0427% 0.0427% ARMADA HOFFLER PROPERTIES IN REIT USD.01 0.0124% 0.0124% AROUNDTOWN SA COMMON STOCK EUR.01 0.0248% 0.0248% ASSURA PLC REIT GBP.1 0.0319% 0.0319% AUSTRALIAN DOLLAR 0.0061% 0.0061% AZRIELI GROUP LTD COMMON STOCK ILS.1 0.0101% 0.0101% BLUEROCK RESIDENTIAL GROWTH REIT USD.01 0.0102% 0.0102% BOSTON PROPERTIES INC REIT USD.01 0.0580% 0.0580% BRAZILIAN REAL 0.0000% 0.0000% BRIXMOR PROPERTY GROUP INC REIT USD.01 0.0418% 0.0418% CA IMMOBILIEN ANLAGEN AG COMMON STOCK 0.0191% 0.0191% CAMDEN PROPERTY TRUST REIT USD.01 0.0394% 0.0394% CANADIAN DOLLAR 0.0005% 0.0005% CAPITALAND COMMERCIAL TRUST REIT 0.0228% 0.0228% CIFI HOLDINGS GROUP CO LTD COMMON STOCK HKD.1 0.0105% 0.0105% CITY DEVELOPMENTS LTD COMMON STOCK 0.0129% 0.0129% CK ASSET HOLDINGS LTD COMMON STOCK HKD1.0 0.0378% 0.0378% COMFORIA RESIDENTIAL REIT IN REIT 0.0328% 0.0328% COUSINS PROPERTIES INC REIT USD1.0 0.0403% 0.0403% CUBESMART REIT USD.01 0.0359% 0.0359% DAIWA OFFICE INVESTMENT -
Wilmington Funds Holdings Template DRAFT
Wilmington Global Alpha Equities Fund as of 5/31/2021 (Portfolio composition is subject to change) ISSUER NAME % OF ASSETS USD/CAD FWD 20210616 00050 3.16% DREYFUS GOVT CASH MGMT-I 2.91% MORGAN STANLEY FUTURE USD SECURED - TOTAL EQUITY 2.81% USD/EUR FWD 20210616 00050 1.69% MICROSOFT CORP 1.62% USD/GBP FWD 20210616 49 1.40% USD/JPY FWD 20210616 00050 1.34% APPLE INC 1.25% AMAZON.COM INC 1.20% ALPHABET INC 1.03% CANADIAN NATIONAL RAILWAY CO 0.99% AIA GROUP LTD 0.98% NOVARTIS AG 0.98% TENCENT HOLDINGS LTD 0.91% INTACT FINANCIAL CORP 0.91% CHARLES SCHWAB CORP/THE 0.91% FACEBOOK INC 0.84% FORTIVE CORP 0.81% BRENNTAG SE 0.77% COPART INC 0.75% CONSTELLATION SOFTWARE INC/CANADA 0.70% UNITEDHEALTH GROUP INC 0.70% AXA SA 0.63% FIDELITY NATIONAL INFORMATION SERVICES INC 0.63% BERKSHIRE HATHAWAY INC 0.62% PFIZER INC 0.62% TOTAL SE 0.61% MEDICAL PROPERTIES TRUST INC 0.61% VINCI SA 0.60% COMPASS GROUP PLC 0.60% KDDI CORP 0.60% BAE SYSTEMS PLC 0.57% MOTOROLA SOLUTIONS INC 0.57% NATIONAL GRID PLC 0.56% PUBLIC STORAGE 0.56% NVR INC 0.53% AMERICAN TOWER CORP 0.53% MEDTRONIC PLC 0.51% PROGRESSIVE CORP/THE 0.50% DANAHER CORP 0.50% MARKEL CORP 0.49% JOHNSON & JOHNSON 0.48% BUREAU VERITAS SA 0.48% NESTLE SA 0.47% MARSH & MCLENNAN COS INC 0.46% ALIBABA GROUP HOLDING LTD 0.45% LOCKHEED MARTIN CORP 0.45% ALPHABET INC 0.44% MERCK & CO INC 0.43% CINTAS CORP 0.42% EXPEDITORS INTERNATIONAL OF WASHINGTON INC 0.41% MCDONALD'S CORP 0.41% RIO TINTO PLC 0.41% IDEX CORP 0.40% DIAGEO PLC 0.40% LENNOX INTERNATIONAL INC 0.40% PNC FINANCIAL SERVICES GROUP INC/THE 0.40% ACCENTURE -
SEB's Results for the Second Quarter 2019
Press release Stockholm, 28 June 2019 Invitation – SEB’s results for the second quarter 2019 SEB’s results for the second quarter 2019 will be announced on Friday, 12 July, at 07:00 (Swedish time). In addition, presentations and the Fact Book will be available on sebgroup.com/ir. You are invited to participate in the following presentations: Results presentation Time: 09:00 (Swedish time) Venue: Kungsträdgårdsgatan 8, Stockholm Johan Torgeby, President and CEO, will present and comment upon the results. The presentation will be conducted in English. The results presentation can be followed live on sebgroup.com/ir and will also be available afterwards. Telephone conference Time: 13:00 (Swedish time) Johan Torgeby, Masih Yazdi, Finance Director, and Christoffer Geijer, Head of Investor Relations, will present the results, followed by a Q&A session. To participate, please call +44 (0)2071 928 000, quote conference id: 4839848 , at least 10 minutes in advance. The telephone conference audio webcast can be followed live on sebgroup.com/ir and will also be available afterwards. For further information, please contact Christoffer Geijer, Head of Investor Relations +46-8-763 83 19, +46-70-762 1006 Frank Hojem, Head of Media Relations +46-8-763 99 47, +46-70-763 99 47 SEB is a leading Nordic financial services group with a strong belief that entrepreneurial minds and innovative companies are key in creating a better world. SEB takes a long term perspective and supports its customers in good times and bad. In Sweden and the Baltic countries, SEB offers financial advice and a wide range of financial services. -
Business Finance in the Arctic + Annex
Arctic Council SAO plenary meeting 13-14 March 201, Ruka, Finland Meeting code: SAOFI204 Document Title Business Finance in the Arctic + Annex Agenda item number 11 Submitted by KoD Document filename SAOFI204_2019_RUKA_11_Business-Finance-Arctic Number of pages, not including this cover sheet 146 Business Finance in the Arctic Analysis of access to finance for SMEs and start-ups in the Arctic region Oxford Research in cooperation with Nordregio and Lauritzen Consulting – November 2018 0 Business Finance in the Arctic Analysis of access to finance for SMEs and start-ups in the Arctic region Report prepared by Oxford Research in cooperation with Nordregio and Lauritzen Consulting for the Danish Ministry of Foreign Affairs The views, thoughts, and opinions expressed in this report are those of the authors and do not necessarily reflect the views of the Danish Ministry of Foreign Affairs. Front cover photo by Henri Louma (Polar Bear Pitching, Oulu – Finland) About Oxford Research Knowledge for a better society Oxford Research is a Nordic research company. We are documenting and developing knowledge through analyses, evaluations and investigations, providing po- litical and strategic stakeholders with a better basis for their decisions. We combine scientific methods with developing crea- tive ideas to present new knowledge for our clients. Our specialties are analyses and evaluations within in- dustrial and regional development, research and edu- cation as well as welfare and education policy. Oxford Research was founded in 1995 and has com- panies in Norway, Denmark, Sweden and Finland. Oxford Research is part of the Oxford Group and tar- get our efforts towards the Nordic and European market. -
Cross-Industry Committee on Japanese Yen Interest Rate Benchmarks Minutes for the March 11, 2021 Meeting (By Written Resolution)
(Tentative translation) Cross-Industry Committee on Japanese Yen Interest Rate Benchmarks Minutes for the March 11, 2021 Meeting (by written resolution) In consideration of the announcements made by ICE Benchmark Administration (IBA) and the Financial Conduct Authority (FCA) on March 5, 2021, the Financial Services Agency (FSA) and Bank of Japan (BOJ) have jointly released “Response to the announcement on the end date of LIBOR panel publication and the announcement on the intention to consult on the publication of synthetic yen LIBOR” (hereinafter referred to as the “joint letter by the FSA and BOJ”) on March 8, 2021. The Secretariat proposed that the Committee would publish its view on the joint letter by the FSA and BOJ, which had been prepared by the chair and the vice-chair and confirmed by the members of the Committee. The members approved this proposal.1 1 https://www.boj.or.jp/en/paym/market/jpy_cmte/cmt210311c.pdf Cross-Industry Committee on Japanese Yen Interest Rate Benchmarks Attendance for the March 11, 2021 Meeting (Members) Chair MUFG Bank GODA Kenichiro Vice Chair Nomura Securities NONOMURA Shigeru Mizuho Bank KOBAYAKAWA Motomu Sumitomo Mitsui Banking Corporation ORIHARA Takashi Bank of Yokohama ARAI Tomoki North Pacific Bank TAKAHASHI Kazuhiro Deutsche Bank MORITA Shigeki Daiwa Securities INADA Yuichiro Goldman Sachs TAGUCHI Kengo Morgan Stanley MUFG Securities EZUKA Takeshi Japan Post Bank ICHIKAWA Tatsuo The Norinchukin Bank CHIBA Yuji Shinkin Central Bank TANAKA Hiroyuki Nippon Life Insurance Company OKAMOTO Shinichi -
Base Prospectus
BASE PROSPECTUS QNB FİNANSBANK A.Ș. US$5,000,000,000 Global Medium Term Note Programme Under this Global Medium Term Note Programme (the “Programme”), QNB Finansbank A.Ș., a banking institution organised as a joint stock company under the laws of the Republic of Turkey (“Turkey”) registered with the İstanbul Trade Registry under number 237525 (the “Bank” or the “Issuer”), may from time to time issue notes (the “Notes”) denominated in any currency agreed between the Issuer and the relevant Dealer(s) (as defined below) or investor(s). Notes may be issued in either bearer or registered form (respectively, “Bearer Notes” and “Registered Notes”); provided that the Notes may be offered and sold in the United States only in registered form except in certain transactions permitted by U.S. tax regulations. As of the time of each issuance of Notes, the maximum aggregate nominal amount of all Notes outstanding under the Programme will not exceed US$5,000,000,000 (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Notes may be issued from time to time to: (a) one or more of the Dealers specified under “General Description of the Programme - The Programme” and any additional Dealer(s) appointed under the Programme from time to time by the Issuer (each a “Dealer”), which appointment may be for a specific issue or on an ongoing basis, and/or (b) one or more investor(s) purchasing Notes (or beneficial interests therein) directly from the Issuer. INVESTING IN THE NOTES INVOLVES RISKS. -
Skandinaviska Enskilda Banken AB (Publ) (Herein the “Bank”, Or “SEB AB”) Is a Foreign Banking Organization Duly Organized and Existing Under the Laws of Sweden
SEB U.S. Resolution Plan Public Section October, 2013 TABLE OF CONTENTS Section 1: Public Section Introduction Summary of resolution plan A. Description of material entities B. Description of core business lines C. Summary financial information D. Description of derivative and hedging activities E. Memberships in material payment, clearing and settlement systems F. Description of foreign operations G. Material supervisory authorities H. Principal officers I. Corporate governance structure and processes related to resolution planning J. Description of material management information systems K. High-level description of resolution strategy This document contains certain forward-looking statements that reflect SEB’s current views with respect to future events. Forward-looking statements are all statements in this document that do not relate to historical facts and events. While these forward-looking statements represent SEB’s judgments and future expectations concerning the development, actual developments could differ from SEB’s expectations. SEB undertakes no obligation to publicly update or revise any forward- looking statements, whether as a result of new information, future events or otherwise. 1 Introduction Skandinaviska Enskilda Banken AB (publ) (herein the “Bank”, or “SEB AB”) is a foreign banking organization duly organized and existing under the laws of Sweden. In the United States, the Bank maintains a New York state-licensed branch (the “New York Branch”) and operates subsidiaries, as described below. This resolution plan (the “U.S. Resolution Plan”) is being filed by the Bank pursuant to Section 165(d) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) and 12 C.F.R. -
SEB Creates New Division to Further Sharpen Its Private Banking Offering
SEB creates new division to further sharpen its Private Banking offering SEB is establishing a new division, Private Wealth Management & Family Office, to further strengthen its focus on entrepreneurs, individuals and families and their businesses in SEB’s home markets. William Paus, today Co-Head of SEB’s Large Corporates & Financial Institutions division, has been appointed Head of the new division. Ever since SEB was founded, the bank has supported individuals and companies in their value creation. Private Banking is part of SEB's DNA, and the segment has seen its assets under management (AuM) grow to more than SEK 1,000bn over the years, corresponding to nearly 50 per cent of SEB’s total AuM. Fuelled by successful entrepreneurship, a favourable macroeconomic environment including demographic factors and strong financial markets, the global Private Banking industry is growing. By gathering SEB’s expertise within Private Banking in one division, the bank further sharpens its offering in response to the continuously changing needs of the customers, aiming to grow SEB’s savings and investments business. “SEB has strong and longstanding relationships with customers ranging from entrepreneurs to professional family offices, and I am confident that we, by creating this dedicated Private Wealth Management & Family Office division, will be able to become an even more relevant partner for both new and existing customers in our home markets. Our aim is to take a leading position in this increasingly important segment by offering first-class investment advisory based on SEB's entire product range of analysis, IPOs and alternative investments. I am delighted that William Paus is taking on this new challenge within the bank,” says Johan Torgeby, SEB’s President and CEO. -
Corporate Information(153KB)PDF
CORPORATE INFORMATION Status of Capital and Shareholders Members and Share Ownership (As of March 31, 2017) (1) Common Stocks (Including lower dividend rate stocks) The face value of one common stock is ¥100. Type of Organization Number of Members Stocks Owned Agricultural Cooperatives 801 (154) 7,034,821,770 ( 5,999,500,000) Federations of Agricultural Cooperatives 103 ( 33) 26,466,319,740 (23,704,080,000) Forestry Cooperatives 614 ( 0) 19,588,080 ( 0) Forestry Production Cooperatives 11 ( 0) 14,650 ( 0) Federations of Forestry Cooperatives 47 ( 0) 22,948,340 ( 0) Fishery Cooperatives 982 ( 4) 126,537,351 ( 66,520,000) Fishery Production Cooperatives 24 ( 0) 202,840 ( 0) Federations of Fishery Cooperatives 84 ( 29) 851,528,189 ( 527,610,000) Marine Products Processing Cooperatives 39 ( 0) 620,100 ( 0) Federations of Marine Products Processing Cooperatives 6 ( 0) 694,650 ( 0) Mutual Insurance Federation of Fishery Cooperative Associations 1 ( 0) 7,064,800 ( 0) Agricultural Mutual Relief Insurance Associations 39 ( 0) 699,300 ( 0) Federations of Agricultural Mutual Relief Insurance Associations 24 ( 0) 659,500 ( 0) Fishing Boat Insurance Associations 20 ( 0) 2,454,350 ( 0) Agricultural Credit Guarantee Fund Associations 10 ( 0) 139,650 ( 0) Fishery Credit Guarantee Fund Associations 35 ( 0) 17,158,100 ( 0) Fishery Mutual Relief Insurance Associations 12 ( 0) 132,000 ( 0) Federation of Fishery Mutual Relief Insurance Associations 1 ( 0) 292,800 ( 0) Land Improvement Districts 768 ( 0) 2,875,740 ( 0) Federations of Land Improvement Districts 4 ( 0) 2,850 ( 0) Medium and Small-Sized Enterprise Cooperative Associations Related to Sericulture, Forestry or Salt Production 15 ( 0) 133,500 ( 0) Total 3,640 (220) 34,554,888,300 (30,297,710,000) (2) Preferred Stocks The face value of one stock is ¥100.