List of Supervised Entities (As of 1 March 2019)
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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. -
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2017 IIF Annual Membership Meeting List of Participants 10/04/2017 1 International Fincentre Associates Aberdeen Asset Management Aberdeen Standard Investments Aberdeen Standard Investments Abraaj Capital Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Global Market Abu Dhabi Investment Authority Abu Dhabi Investment Authority Abu Dhabi Investment Authority Abu Dhabi Investment Authority Access Bank Plc Access Bank Plc Access Bank Plc Access Bank Plc Acreditus Aflac Global Investments Aflac Global Investments Aflac International Aflac International AFME Africa Finance Corporation African Export Import Bank Page 1 of 51 2017 IIF Annual Membership Meeting List of Participants 10/04/2017 African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank African Export Import Bank Agricultural Bank of China, New York Branch Agricultural Bank of China, New York Branch AIG AIG AIIB Akbank Akbank Aker International AG Al Ahli Bank of Kuwait K.S.C.P Al Ahli Bank of Kuwait K.S.C.P Al Rajhi Bank Alawwal Bank Alawwal Bank Alawwal Bank Alawwal Bank Alawwal Bank Albaraka Turk Participation Bank Albaraka Turk Participation Bank Albaraka Turk Participation Bank Page 1 of 51 2017 IIF Annual Membership Meeting List of Participants 10/04/2017 Algebris Investments AllianceBernstein L.P. -
Reports and Financial Statements 2014
REPORTS AND FINANCIAL STATEMENTS 2014 Report and Consolidated financial statements of the Bipiemme Group at 31 December 2014 Approved by the Supervisory Board on 17 March 2015 Co-operative Bank founded in 1865 Parent Company of the BPM - Banca Popolare di Milano – Banking Group Share capital at 31.12.2014: Euro 3,365,439,319.02 Milan Companies Register No. 00715120150 Enrolled on the National Register of Co-operative Companies No. A109641 Registered Office and General Management: Piazza F. Meda, 4 – Milan www.gruppobpm.it Member of the Interbank Guarantee Fund Registered Bank and Parent Company of the BPM – Banca Popolare di Milano - Registered Banking Group 2014 This English version is not an official translation and is not a substitute for the original Italian document. It is for informational purposes only and has been prepared solely for the convenience of international readers. Contents Directors and Officers, General Management and Independent Auditors 9 Notice of Ordinary General Meeting 11 Report and Consolidated financial statements of the Bipiemme Group Year 2014 17 Key figures and ratios of the Bipiemme Group 19 Structure of the Bipiemme Group 20 General aspects 21 Consolidated reclassified balance sheet 22 Consolidated reclassified balance sheet – quarter by quarter 23 Consolidated reclassified income statement 24 Consolidated reclassified income statement – quarter by quarter 25 Key figures 26 Key ratios 27 Consolidated reclassified income statement, net of non-recurring items 28 Report on operations of the Bipiemme Group -
2018 European Banking Study
BANKING European Banking Study NAVIGATING THE ROAD AHEAD – MARKET TRENDS & STRATEGIC OPTIONS FOR EUROPEAN BANKS 2018 2 3 MANAGEMENT SUMMARY The current banking landscape shows that banks are A decade after the banking crisis, the industry has now operating in unstable market conditions fuelled by reached a tipping point and banks urgently need to unsustainable profit-taking, crisis level valuations and switch from “recovery mode” to “action mode”. dwindling market share. While the majority of the top 50 European banks exceeded the market’s average This study outlines four strategic options banks can capital requirement in 2017, only eight also man- choose to combat market conditions and produce value aged to achieve profitability greater than the cost of with true differentiation. They include: pursuing M&A, equity. Capital markets have gained momentum, but focusing on product specialisation, breaking up the most bank valuations are at crisis levels with mas- value chain and participating in financial ecosystems sive spreads between banks’ price-to-book ratios and or platforms. the market. We foresee that top performing banks will be those who While profitability (RoE) has improved throughout 2017 are most capable of selecting a path of true differentia- (from 3.9% to 7.1%), zeb believes that the ability for tion while simplifying and standardising the rest. banks to repeat these gains in the coming years is high- ly unlikely. Profit improvements from non-litigation and For further insights, beyond the European Banking extraordinary costs have allowed net profits to surge, Study 2018, additional perspectives and quantitative but it is hiding the fact that maintaining sustainable analyses regarding each of these trends can be found recurring profits will be nearly impossible. -
Relazione Di Trasparenza 2013
KPMG S.p.A. Relazione di trasparenza Esercizio chiuso al 30 settembre 2013 kpmg.com/it 2 | Relazione di trasparenza © 2013 KPMG S.p.A. è una società per azioni di diritto italiano e fa parte del network KPMG di entità indipendenti affiliate a KPMG International Cooperative (“KPMG International”), entità di diritto svizzero. Tutti i diritti riservati. Relazione di trasparenza | 3 Indice Introduzione 1. Forma giuridica, struttura societaria e di governo 6 Forma giuridica 6 Struttura proprietaria 6 Struttura di governo 6 Collegio Sindacale 7 Organismo di vigilanza 7 2. Rete di appartenenza e disposizioni giuridiche 8 e strutturali che la regolano 3. Sistema di controllo interno della qualità 9 L’esempio viene dai partner 10 Accettazione e mantenimento dei clienti e degli incarichi 12 Principi chiari e strumenti di revisione affidabili 13 Assunzione, formazione e assegnazione 19 di personale professionale qualificato Impegno verso l’eccellenza tecnica e servizi di qualità 23 Svolgimento di revisioni efficaci ed efficienti 25 Impegno al miglioramento continuo 27 4. Ultimo controllo esterno della qualità 29 5. Elenco degli enti di interesse pubblico i cui bilanci 30 sono stati oggetto di revisione legale nell’esercizio sociale chiuso al 30 settembre 2013 6. Informazioni finanziarie relative alle dimensioni 30 operative della società di revisione 7. Informazioni sulla base di calcolo della remunerazione 31 dei soci 8. Dichiarazioni del Consiglio di Amministrazione 32 ai sensi dell’art. 18, comma 1, lettere c), f) e g) del Decreto Legislativo 27 gennaio 2010 n. 39 Allegato 33 Enti di interesse pubblico oggetto di revisione legale da parte di KPMG S.p.A. -
Jornal Oficial C307 45.O Ano Das Comunidades Europeias 10 De Dezembro De 2002
ISSN 0257-7771 Jornal Oficial C307 45.o ano das Comunidades Europeias 10 de Dezembro de 2002 Edição em língua portuguesa Comunicações e informações Número de informação Índice Página I Comunicações Comissão 2002/C 307/01 Lista das instituições de crédito nos termos do artigo 11.o da Directiva 2000/12/CE (adoptada em 31 de Dezembro de 2001) — Vigésima edição . ................ 1 Preço: 46,00 EUR PT 10.12.2002 PT Jornal Oficial das Comunidades Europeias C 307/1 I (Comunicações) COMISSÃO Lista das instituições de crédito nos termos do artigo 11.o da Directiva 2000/12/CE (2002/C 307/01) Nos termos do artigo 11.o da Directiva 2000/12/CE do A presente lista foi elaborada pela Comissão com base nas Parlamento Europeu e do Conselho,de 20 de Março de 2000, indicações fornecidas pelos Estados-Membros. Não tem qualquer relativa ao acesso à actividade das instituições de crédito e ao seu carácter jurídico,ao contrário do registo dos bancos em alguns exercício (1),a Comissão deve elaborar e publicar uma lista de Estados-Membros,e o facto de nela constar não tem qualquer todas as instituições de crédito autorizadas nos Estados-Mem- efeito constitutivo. Se uma instituição não autorizada figurar na bros. lista por engano,não haverá consequências quanto à sua situação jurídica. Se uma instituição autorizada tiver sido A Comissão encarrega-se,pela vigésima vez,desta missão, omitida por engano,este facto não afecta em nada a validade através da presente comunicação,cujo anexo contém a lista da sua autorização. A Comissão só é responsável quanto à destas instituições,baseada nas últimas informações disponíveis. -
For Whatever Life Brings
For whatever life brings Consolidated First Half Financial Report as at June 30, 2011 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Everyone knows that life can be surprising. Many of these surprises are good things. Some are not so good. That is why people need their bank to be a reliable partner, helping them to deal with whatever life brings. Because this year’s report is inspired by real life, its graphics portray some of life’s more pleasant aspects, as well as a few of its less enjoyable features. Thus, the images present a range of contrasts, and our cover offers up a kaleidoscope of moments drawn from daily life. That is simply how life works. From the exciting to the ordinary, from the expected to the unanticipated, life is always changing and makes demands on all of us. And UniCredit is here to lend a hand. Our job is about more than offering products and managing transactions. It is about understanding the needs of our customers as individuals, families and enterprises. Our goal is to deliver solutions for the everyday issues that people face. This means providing them with concrete answers - day by day, customer by customer, need by need. Consolidated First Half Financial Report as at June 30, 2011 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 For whatever life brings WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Contents Introduction 5 Board of Directors, Board of Statutory Auditors and External Auditors 7 Prefatory Note to the Consolidated First Half Financial Report 8 Interim Report on Operations 11 Highlights 12 Condensed Accounts 14 Quarterly Figures 16 Comparison of Q2 2011 / Q2 2010 18 Segment Reporting (Summary) 19 How the UniCredit Group has grown 20 UniCredit Share 21 Group Results 22 Results by Business Segment 34 Other information 69 Subsequent Events and Outlook 76 Condensed Interim Consolidated Financial Statements 78 Consolidated Accounts 80 Explanatory Notes 91 Condensed Interim Consolidated Financial Statement Certification pursuant to Art. -
Niedersachsen Ein Porträt
Herausgegeben von der Niedersächsischen Landeszentrale für politische Bildung Hannover 1999. Redaktion: Peter Hoffmann, Winfried Meis, Ekkehard Stüber Redaktionsschluß: 1. März 1999 Herstellung und Gestaltung: Niedersächsische Landeszentrale für politsche Bildung Abbildungen: 1. Umschlagseite: Kunstmuseum Wolfsburg: Media Mobil, Hannover Die Nachweise der übrigen Bilder siehe Kapitel „Städte in Niedersachsen – Kurzportraits“. 2. Umschlagseite: Niedersachsenkarte, Quelle: Diercke Österreich, Westermann Schulbuchverlag. Die Veröffentlichung stellt keine Meinungsäußerung der Niedersächsischen Landeszentrale für politische Bildung dar. Für die inhaltlichen Aussagen tragen die Autoren die Verantwortung. Verlag: Joh. Heinr. Meyer, Braunschweig Druck: braunschweig-druck GmbH, Braunschweig Umweltfreundlich hergestellt auf chlorfrei gebleichtem Papier. ISBN 3-926701-38-2 Inhalt Lage und Größe . .5 Landesnatur – Naturräumliche und landschaftliche Ausstattung . .11 Geschichte des Landes Niedersachsen . .31 Bevölkerung und Siedlung . .51 Bevölkerungsentwicklung und Altersaufbau . .51 Arbeitsmarkt: Erwerbstätigkeit, Arbeitslosigkeit und Qualifikationsstrukturen . .62 Mundarten und Hochsprache . .74 Siedlungsstrukturen . .81 Gesundheitliche Versorgung und Sozialsystem . .90 Wirtschaft . .103 Energierohstoffe, mineralische Bodenschätze und Torf . .103 Internationale Verflechtungen . .113 Verarbeitendes Gewerbe . .121 Land-, Forst- und Fischwirtschaft . .134 Handel und dienstleistendes Gewerbe . .143 Erholung und Fremdenverkehr . .149 Verkehrsinfrastruktur -
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. -
Presentazione Standard Di Powerpoint
CRÉDIT AGRICOLE ITALIA PURSUES ITS PROFITABLE AND SUSTAINABLE GROWTH 23 NOVEMBER 2020 VOLUNTARY PUBLIC CASH TENDER OFFER FOR ALL SHARES OF CREDITO VALTELLINESE Disclaimer NOTE This presentation may include prospective information on the Group, supplied as information on trends. This data does not represent forecasts within the meaning of EU delegated regulation 2019 The Crédit Agricole 980 of 14 March 2019 (chapter 1 article 1 d). Group scope In particular, this presentation may include certain forward-looking statements, projections, objectives and estimates reflecting the current views of the management of the Company with respect to future events. These forward-looking statements include, but are not limited to, all statements other than statements of historical facts, including, without limitation, those regarding the Group’s of consolidation future financial position and results of operations, strategy, plans, objectives, goals and targets and future developments in the markets where the Group participates or is seeking to participate. comprises: 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 the Regional Banks, the Local Banks, 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 Crédit Agricole S.A. and their 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. subsidiaries. This is the scope of All forward looking statements included herein are based on information available to the Group as of 23 November 2020. -
Practicing Love of God in Medieval Jerusalem, Gaul and Saxony
he collection of essays presented in “Devotional Cross-Roads: Practicing Love of God in Medieval Gaul, Jerusalem, and Saxony” investigates test case witnesses of TChristian devotion and patronage from Late Antiquity to the Late Middle Ages, set in and between the Eastern and Western Mediterranean, as well as Gaul and the regions north of the Alps. Devotional practice and love of God refer to people – mostly from the lay and religious elite –, ideas, copies of texts, images, and material objects, such as relics and reliquaries. The wide geographic borders and time span are used here to illustrate a broad picture composed around questions of worship, identity, reli- gious affiliation and gender. Among the diversity of cases, the studies presented in this volume exemplify recurring themes, which occupied the Christian believer, such as the veneration of the Cross, translation of architecture, pilgrimage and patronage, emergence of iconography and devotional patterns. These essays are representing the research results of the project “Practicing Love of God: Comparing Women’s and Men’s Practice in Medieval Saxony” guided by the art historian Galit Noga-Banai, The Hebrew University of Jerusalem, and the histori- an Hedwig Röckelein, Georg-August-University Göttingen. This project was running from 2013 to 2018 within the Niedersachsen-Israeli Program and financed by the State of Lower Saxony. Devotional Cross-Roads Practicing Love of God in Medieval Jerusalem, Gaul and Saxony Edited by Hedwig Röckelein, Galit Noga-Banai, and Lotem Pinchover Röckelein/Noga-Banai/Pinchover Devotional Cross-Roads ISBN 978-3-86395-372-0 Universitätsverlag Göttingen Universitätsverlag Göttingen Hedwig Röckelein, Galit Noga-Banai, and Lotem Pinchover (Eds.) Devotional Cross-Roads This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. -
ADB's Trade Finance Program Confirming Banks List
Trade Finance Program Confirming Banks List As of 31 July 2016 AFGHANISTAN Bank Alfalah Limited (Afghanistan Branch) 410 Chahri-e-Sadarat Shar-e-Nou, Kabul, Afghanistan National Bank of Pakistan (Jalalabad Branch) Bank Street Near Haji Qadeer House Nahya Awal, Jalalabad, Afghanistan National Bank of Pakistan (Kabul Branch) House No. 2, Street No. 10 Wazir Akbar Khan, Kabul, Afghanistan ALGERIA HSBC Bank Middle East Limited, Algeria 10 Eme Etage El-Mohammadia 16212, Alger, Algeria ANGOLA Banco Millennium Angola SA Rua Rainha Ginga 83, Luanda, Angola ARGENTINA Banco Patagonia S.A. Av. De Mayo 701 24th floor C1084AAC, Buenos Aires, Argentina Banco Rio de la Plata S.A. Bartolome Mitre 480-8th Floor C1306AAH, Buenos Aires, Argentina AUSTRALIA Australia and New Zealand Banking Group Limited Level 20, 100 Queen Street, Melbourne, VIC 3000, Australia Australia and New Zealand Banking Group Limited (Adelaide Branch) Level 20, 11 Waymouth Street, Adelaide, Australia Australia and New Zealand Banking Group Limited (Adelaide Branch - Trade and Supply Chain) Level 20, 11 Waymouth Street, Adelaide, Australia Australia and New Zealand Banking Group Limited (Brisbane Branch) Level 18, 111 Eagle Street, Brisbane QLD 4000, Australia Australia and New Zealand Banking Group Limited (Brisbane Branch - Trade and Supply Chain) Level 18, 111 Eagle Street, Brisbane QLD 4000, Australia Australia and New Zealand Banking Group Limited (Perth Branch) Level 6, 77 St Georges Terrace, Perth, Australia Australia and New Zealand Banking Group Limited (Perth Branch - Trade