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Annual Report 2015 Annual Report 2015 2 ______ Annual report 2015 annual report 2015 2 ___________________________________________________________________________________________________________________________________________ Banco Popolare Società Cooperativa Registered office and General headquarters: Piazza Nogara, 2 - 37121 Verona Fully paid up share capital as at 31 December 2015: euro 6,092,996,076.83 Tax Code, VAT No. and Verona Companies’ Register Enrolment No. 03700430238 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of the Banco Popolare Banking Group Enrolled in the register of Banking Groups ___________________________________________________________________________________________________________________________________________ 3 OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 31 DECEMBER 2015 Board of Directors Chairman Carlo Fratta Pasini (*) Deputy Chairman Guido Castellotti (*) Deputy Chairman Maurizio Comoli (*) Managing Director Pier Francesco Saviotti (*) Directors Patrizia Codecasa Luigi Corsi Domenico De Angelis (*) Maurizio Faroni (*) Gianni Filippa Cristina Galeotti Andrea Guidi Valter Lazzari Maurizio Marino Daniela Montemerlo Giulio Pedrollo Enrico Perotti Claudio Rangoni Machiavelli Fabio Ravanelli Cecilia Rossignoli Sandro Veronesi Franco Zanetta Tommaso Zanini Cesare Zonca (*) Cristina Zucchetti (*) members of the Executive Committee Board of Statutory Auditors Chairman Pietro Manzonetto Standing Auditors Maurizio Calderini Gabriele Camillo Erba Claudia Rossi Alfonso Sonato Alternate Auditors Marco Bronzato Paola Pesci General Management General Manager Maurizio Faroni Joint General Manager Domenico De Angelis Ethics and Disciplinary Committee Standing Members Aldo Bulgarelli Luciano Codini Giuseppe Germani Alternate Members Matteo Bonetti Donato Vestita Manager responsible for preparing the Company’s financial reports Gianpietro Val Independent Auditors Reconta Ernst & Young S.p.A. ___________________________________________________________________________________________________________________________________________ 5 LETTER TO SHAREHOLDERS Dear Shareholders, also thanks to several extraordinary positive components, 2015 closed with a good profit, giving a consolidated result of euro 430 million and enabling us to propose the distribution of a dividend. Over the year, we continued with the demanding de-risking exercise for Banco Popolare; we finally saw an inversion of the trend of bad loans, which fell in gross terms from euro 10,527 million to euro 10,471 million. At the end of the year, the Bank’s capital profile saw a CET1 (Common Equity Tier 1) ratio of 13.2% compared to the threshold set by the ECB of 9.55%; by contrast the CET1 fully phased (namely when the EU regulation will be fully applied) was 12.4%; liquidity indicators were continually maintained over the thresholds and the recommendations of the Supervisory Authorities; the first signs of an albeit limited recovery of the economy and of the demand for credit were recorded. On the other hand, this year opened with the continual fall of the share prices of European banks, including Italian ones; the main driver of this downtrend, beyond the weak prospects of profitability in this sector and specifically the decline in the interest margin, was the amount of NPL (Non Performing Loans) and the potential impact resulting from the possible drastic and immediate reduction of the same, with sales of the same at “liquidation” prices, rather than pursue the management of the same, which in the medium term, would lead to the adequate and full valuation of their real estate collateral. Despite the clarifications and the reassurances made in this regard by the European Authorities, although the downtrend has slowed down somewhat, it continues to be recorded for the entire sector, also with regard to the share price of Banco Popolare, which holds a significant stock of NPL characterised by real estate collateral. The Bank is therefore highly committed to a process of gradual and ordinary reduction of this “stock”; its sound capital position will enable it to increase the downtrend which is already underway; the recognition of any possible gains could be further accelerated. In the meantime, the Bank is preparing for its transformation into a Joint Stock Company (S.p.A.). At the time of this letter, we do not know whether market conditions will enable this transformation to be performed through a significant “merger” with another large people’s bank; we hope to create a new entity, which in terms of robustness and competitive positioning would be outside of and above the current turbulences and difficulties. However, the external situation is making it particularly difficult to direct and realise our efforts, even though we are increasingly convinced that the present difficulties should be tackled rather than avoided, and we are increasingly determined to pursue this objective. In any event, the Bank has been prepared for some time to handle any eventuality, even in a stand-alone situation, in order to be able to enter the next phase of our transformation into a Joint Stock Company (S.p.A.), in conditions that are highly suitable for the continuation of our mission, and to be able to choose the opportunities that the end of this everlasting crisis may offer intermediaries who have overcome it. Verona, 23 February 2016 The Board of Directors ___________________________________________________________________________________________________________________________________________ 7 CONTENTS Notice of call ........................................................................................................................................................ 9 REPORT ON OPERATIONS AND CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ..................................... 13 Banco Popolare Group structure ........................................................................................................................... 14 Group territorial network ..................................................................................................................................... 16 Group financial highlights and economic ratios .................................................................................................... 18 Group report on operations ........................................................................................................................ 21 Economic scenario .............................................................................................................................................. 22 Significant events during the year ........................................................................................................................ 27 Results ............................................................................................................................................................... 31 Consolidated income statement figures ................................................................................................................32 Consolidated statement of financial position figures .............................................................................................45 Results by business segment ............................................................................................................................... 67 Commercial Network ............................................................................................................................................68 Investment & Private Banking, Asset Management ................................................................................................91 Leasing ................................................................................................................................................................96 Corporate Centre and Other ..................................................................................................................................97 Risk management .............................................................................................................................................. 104 Supervisory, control and support activities ......................................................................................................... 107 Human resources .............................................................................................................................................. 107 Internal audit .................................................................................................................................................... 112 Compliance ....................................................................................................................................................... 113 Technological and administrative services ......................................................................................................... 114 Technological projects and investments ............................................................................................................. 117 Communication ................................................................................................................................................. 120 Investor Relations ............................................................................................................................................. 121 Other information .............................................................................................................................................
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