996 - Banca Antonveneta

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Section 1Shareholders' equityA. QUALITATIVE INFORMATIONThe Group’s assets are appropriate for its present economic and equity structure, both in individual terms and as requiredby the Bank of Italy.In planning the future development of the Group’s activities, adherence to the minimum regulatory capital requirementneeded to sustain growth in loans in both quantitative and qualitative terms, and more generally in relation to underlyingrisk, is constantly monitored.B. QUANTITATIVE INFORMATIONPlease refer to "Part B – Information on the Consolidated Balance Sheet" – Liabilities – Sections 15 and 16.185
Section 2Shareholders' equity and regulatorycapital bank ratios2.1 Area of Application of RegulationsWe note that, in compliance with regulations for thecalculation of the consolidated equity and adequacyratios only the data provided by the banks, financial andoperating companies belonging to the banking group orthat were consolidated on a proportional basis was used.We further note that there are no restrictions orimpediments involving the transfer of equity componentsbetween group companies.2.2 Bank Capital for Supervisory PurposesA. Qualitative information1. Tier I CapitalThe tier 1 capital includes the following net shareholders’equity items (amounts in thousands of euro):a) entirely paid in share capital: 926,266 (item 190of the balance sheet liabilities);b) issue premiums: 2,188,152 (item 180 of thebalance sheet liabilities);c) other reserves: 189,527 (item 170 of thebalance sheet liabilities for the portionconcerning the banking group);d) minority interests: 39,667 (item 210 of thebalance sheet liabilities for the part concerningthe banking group, not including the profitsattributable to minority interests):e) loss for the year: 5,411 (not including the part ofprofit or loss concerning companies which do notbelong to the banking group).Furthermore, the following are applicable to theformation of the tier 1 capital (amounts in thousands ofeuro):f) increases: Innovative equities (preferredsecurities): 300,000 (included under item 30“Short term securities” of the balance sheetliabilities), the main features of which aredescribed in table 3.2 “Detail of item 30Securities issued: subordinated securities”;g) decreases: intangible fixed assets: 845,182(item 130 of the balance sheet assets);2. Tier II CapitalThe following elements make up the tier II capital(amounts in thousands of euro):a) revaluation reserves – financial assets availablefor sale – positive balance: 8,884 (includedunder item 140 of the balance sheet liabilities,excluding the portion of shareholdings in banksand financial companies and the portionconcerning companies which do not belong tothe banking group);b) valuation reserves – special laws on revaluation:70,129 (included in item 140 of the balancesheet liabilities);c) hybrid equity increase instruments andsubordinated liabilities (insofar as the includedportion): 1,268,717 (included under item 10“Due to banks” and 30 “Outstanding securities”in the balance sheet liabilities), the mainfeatures of which are described in tables 1.2“Detail of item 10 Due to banks: subordinatedpayables” and 3.2 “Detail of item 30 Securitiesissued: subordinated securities”;Furthermore, the negative IAS/IFRS prudential filtershave been reduced: 4,442 representing 50% of the totalvaluation reserve amount as under point a) above.3. Tier III CapitalThere is no tier III capital.The overall regulatory capital (total capital) of 4,057,046thousand euro is the sum of the tier I and tier II capital,net of the deduction provided for equity investments ininsurance companies exceeding 20% (79,261 thousandeuro).186
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\\ItAntonvenetaAnnualReport2007XII
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Board of DirectorsChairman * France
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GROUPSTRUCTUREANTONVENETAANTONVENET
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The Macroeconomic ScenarioDear Shar
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• Santander: Business unit in Lat
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Performance in 2007Comparability wi
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As at 31 December 2007, loans to cu
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In detail, 19 new issues of unit-li
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The economic and financial performa
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Impaired and performingloansNET POS
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Income StatementThe 2007 income sta
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Performance of the main Antonveneta
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Antenore Finance Società dicartola
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Relevant events occurred after clos
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CONSOLIDATED FINANCIAL STATEMENTSCo
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Consolidated Income Statement€/th
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Statement of changes in consolidate
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A.1 - GENERAL PARTSection 1 - PREPA
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investments are originally recognis
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loans past due for over 180 days ac
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Valuation criteria and recognition
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Financial liabilities held for trad
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Prepaid tax assets and deferred tax
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ASSETSSection 1Cash and cash equiva
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2.2 Financial assets held for tradi
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Section 3Financial assets designate
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Section 4Financial assets available
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4.5.1 Financial assets available fo
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Section 7Loans to customers - Entry
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Section 8Hedging derivative contrac
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Section 12Tangible fixed assets - E
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12.3.3 Fixed assets for functional
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Section 14Tax assets and liabilitie
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14.5 Changes in prepaid taxes (offs
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Section 16Other assets - Entry 1601
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Section 2Due to customers - Entry 2
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3.3 Securities issued: securities u
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4.4.1 Trading financial liabilities
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Section 8Tax liabilities - Entry 80
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The actuarial assumptions used in t
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• discount rate. The financial ba
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12.3.2 Personnel pension fund (ex-B
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15.5 Income reserves: other informa
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Section 16Minority interests - Entr
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OTHER INFORMATION1. Guarantees and
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121
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Section 1Interest - Entries 10 and
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Section 2Commissions - Entries 40 a
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Section 3Dividends and similar inco
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Section 5Net profit on hedging - En
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Section 7Net change in value of fin
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Section 11Administrative expenses -
Page 136 and 137: Section 12Net allowances for risks
Page 138 and 139: Section 14Net value adjustments to
Page 140 and 141: Section 16Profits (Losses) from inv
Page 142 and 143: Section 20Taxes on income from cont
Page 144 and 145: Section 22Third party profit (loss)
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Page 148 and 149: A. PRIMARY REPORTINGA.1. Distributi
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Page 152 and 153: Section 1CREDIT RISKQUANTITATIVE IN
Page 154 and 155: A.1.5 Cash Exposures to Banks: Tren
Page 156 and 157: A.3 DISTRIBUTION OF GUARANTEED EXPO
Page 158 and 159: A.3.4 Impaired "off balance sheet"
Page 160 and 161: B.1 By-sector distribution of cash
Page 162 and 163: C. SECURITISATIONS AND TRANSFER OF
Page 164 and 165: THEANO FINANCE SPASUMMARY STATEMENT
Page 166 and 167: GIOTTO FINANCE 2 SPASUMMARY STATEME
Page 168 and 169: 2.3 PRICE RISKREGULATORY TRADING PO
Page 170 and 171: 2.5 EXCHANGE RATE RISKQUANTITATIVE
Page 172 and 173: 2.6 DERIVATIVE FINANCIAL INSTRUMENT
Page 174 and 175: A.2 Bank Portfolio: notional values
Page 176 and 177: A.4 "Over the counter" financial de
Page 178 and 179: A.6 Residual duration of "over the
Page 180 and 181: Currency: STERLINGEntry/Time bandOn
Page 182 and 183: 2. Distribution of financial liabil
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Page 188 and 189: B. QUANTITATIVE INFORMATIONExposure
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Page 192 and 193: 1 - Information on directors' and e
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Page 196 and 197: INDIVIDUAL FINANCIAL STATEMENTS DAT
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Page 200 and 201: Dear Shareholders,In addition to il
Page 202 and 203: Banca Antonveneta in 2007, a new se
Page 204 and 205: Distribution ChannelsDuring 2007, B
Page 206 and 207: The Economic and Financial TrendsDe
Page 208 and 209: INDIRECT DEPOSITS(in millions of Eu
Page 210 and 211: Financial Assets(€/thousand)31.12
Page 212 and 213: Income StatementThe Income Statemen
Page 214 and 215: Relevant events occurred after the
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Page 222 and 223: 4. During the fiscal year 2007, the
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Page 228 and 229: Balance Sheet - Liabilities and sha
Page 230 and 231: Statement of changes in consolidate
Page 232 and 233: CASH FLOW STATEMENT (Direct method)
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235
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A.1 - GENERALSection 1 - Statement
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the accumulated profit or loss are
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Recognition and derecognition crite
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Intangible fixed assets include goo
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Valuation criteria and recognition
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247
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ASSETSSection 1Cash and cash equiva
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2.2 Financial assets held for tradi
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Section 3Financial assets designate
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Section 4Financial assets available
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4.5 Financial assets available for
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Section 7Loans to customers - Entry
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Section 8Hedging derivative contrac
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10.3 Investments: annual changes31.
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11.3 Fixed assets for functional us
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Section 12Intangible fixed assets -
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13.2 Deferred tax liabilities: brea
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13.5 Changes in prepaid taxes (offs
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Section 15Other assets - Entry 1501
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Section 2Due to customers - Entry 2
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3.3 Securities issued: securities u
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4.4 Trading financial liabilities:
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Section 8Tax liabilities - Entry 80
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The actuarial assumptions used in t
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• discount rate. The financial ba
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12.3.2 Personnel pension fund (ex-B
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14.5 Income reserves: other informa
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Other information1. Guarantees and
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293
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Section 1Interest - Entries 10 and
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Section 2Commissions - Entries 40 a
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Section 3Dividends and similar inco
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Section 5Net profit on hedging - En
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Section 7Net profit/(loss) from fin
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Section 9Administrative expenses -
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Section 10Net allowances for risks
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Section 14Profits (Losses) from inv
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Section 19Income (loss) after tax f
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313
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Section 1CREDIT RISKQUALITATIVE INF
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As a final measure, specific regula
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In this type of control, typical cr
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A.1.3 Exposure to Cash and Off-Bala
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A.2 CLASSIFICATION OF EXPOSURES BY
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A.3.3 Impaired cash exposures towar
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B. DISTRIBUTION AND CONCENTRATION O
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C. SECURITISATIONS AND TRANSFER OF
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C.1.2 Exposures deriving from princ
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C.1.7 Service activities - revenue
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Section 2MARKET RISK2.1 INTEREST RA
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Risk controlRisk control is carried
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2.2 INTEREST RATE RISKBANK PORTFOLI
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QUANTITATIVE INFORMATIONSensitivity
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2. Regulatory trading portfolio: di
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transactions, (iii) comparable tran
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2.5 EXCHANGE RATE RISKQUALITATIVE I
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2.6 DERIVATIVE FINANCIAL INSTRUMENT
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A.3 Derivatives: Purchase and Sale
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A.5 "Over the counter" financial de
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SECTION 3LIQUIDITY RISKQUALITATIVE
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Currency: SterlingEntry/Time bandOn
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2. Distribution of financial liabil
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• attributing the regular segment
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Section 1Company assetsA. QUALITATI
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B. QUANTITATIVE INFORMATIONExposure
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Breakdown of net shareholders' equi
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Fees to directors, board of auditor
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Information required by art. 2497 b
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EQUITY INVESTMENTS Situation at 31
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INTERNATIONAL ACCOUNTING STANDARDS
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996 - Banca Antonveneta

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