The world's local bank Annual Report and Accounts CCF - HSBC

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This reference document was registered with the Autorité des Marchés Financiers on 14 June 2004 in accordance with Regulation no. 98-01 / no. 95-01. It may be used in support of a financial transaction when supplemented by a Transaction Note that has received approval from the Autorité des Marchés Financiers.
CCF Annual Report and Accounts 2003 Contents 3 Report of the Board of Directors to the Annual General Meeting of shareholders 10 Executive Management Committee and General Managers 13 Corporate Governance 21 Chairman’s Report on corporate governance and internal control procedures 33 Corporate social responsibility policy 34 Risk management 43 International Financial Reporting Standards (IFRS) 44 Financial highlights 48 Consolidated financial statements 51 Notes to the consolidated financial statements 90 Parent company financial statements 104 Summary of business activities of CCF’s principal subsidiaries 110 Investment policy 113 CCF group offices 114 Other legal documents relating to the Annual General Meeting of shareholders 123 Annual General Meeting of 12 May 2004 – Resolutions adopted 127 Information on CCF and its share capital 132 Employees, remuneration, share offering and incentive schemes 141 Recent developments and outlook 143 Persons responsible for the reference document and for auditing the financial statements 146 Cross-Reference Table 147 Network of offices 1
Page 1: CCF Annual Report and Accounts The
Page 5 and 6: CCF Report of the Board of Director
Page 7 and 8: 400 customers are now authorised to
Page 9 and 10: In light of these results, the Boar
Page 11 and 12: Special business Pursuant to the pr
Page 13 and 14: Peter Boyles Senior Corporate Vice
Page 15 and 16: CCF Corporate Governance Compositio
Page 17 and 18: William P. Dalton Born in 1943 Hold
Page 19 and 20: Jean-Claude Jolain Born in 1943 Hol
Page 21 and 22: CCF Corporate governance Remunerati
Page 23 and 24: CCF Chairman’s report on corporat
Page 25 and 26: Special committees Nomination and R
Page 27 and 28: controls are documented in the Acco
Page 29 and 30: d e performed to assess compliance
Page 31 and 32: CCF regularly issues internal circu
Page 33 and 34: c • HSBC reporting: This principa
Page 35 and 36: CCF Corporate social responsibility
Page 37 and 38: Due to its robust financial structu
Page 39 and 40: Back testing The chart below presen
Page 41 and 42: International solvency ratio (BIS r
Page 43 and 44: Compliance and money laundering The
Page 45 and 46: CCF International Financial Reporti
Page 47 and 48: Discussion of the main items of the
Page 49 and 50: Consolidated profit and loss accoun
Page 51 and 52: Consolidated balance sheets 2003 -
Page 53 and 54:
CCF Notes to the consolidated finan
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2 Group accounting policies and val
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Page 59 and 60:
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3 Presentation of financial stateme
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6 Treasury bills, debt securities a
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7 Long term securities and other pa
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9 Tangible fixed assets (in € mil
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12 Prepayments and accrued income (
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16 Debt securities in issue (in €
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20 Subordinated liabilities (in €
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23 Consolidated shareholders’ fun
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25 Sovereign risks In 1989, CCF sec
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27 Financial instruments (continued
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31 Dealing profits (in € million)
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37 Exceptional items (in € millio
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40 List of consolidated companies (
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40 List of consolidated companies (
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Change in consolidation method: Non
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Balance sheets 2003 - 2002 - 2001 (
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Statement of reported net profit an
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Five-year highlights (articles 133
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List of equity shares and debt secu
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Dividends Book value Loan and recei
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Shareholders’ funds* Attributable
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Attributable net profitCCF group’
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Shareholders’ funds* Attributable
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- Disposal of CCF’s 33.4 per cent
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CCF CCF group offices CCF’s main
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Statutory auditors’ report on the
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Statutory auditors’ report on the
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Statutory auditor’s report, prepa
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Agreements approved in prior years
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CCF Annual General Meeting of 12 Ma
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Thirteenth resolution Having heard
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CCF Information on CCF and its shar
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2001 2000 1999 ddddddddddddddddddd
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Changes in ownership of share capit
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Employee relations and collective b
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Profit-sharing agreement The profit
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dddddddddddddddddddddddddddd 7.5.19
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Options granted by subsidiaries to
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CCF Recent developments and outlook
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CCF Persons responsible for the ref
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Names and addresses of Statutory Au
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CCF Network of offices RETAIL BANK
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© Copyright CCF S.A. 2004 All righ
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The world's local bank Annual Report and Accounts CCF - HSBC

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