996 - Banca Antonveneta

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Section 9Administrative expenses - Entry 1509.1 Personnel costs: breakdownType of expense/Value 31.12.2007 31.12.20061) Personnel (671,269) (574,163)a) wages and salaries (444,056) (406,748)b) social security costs (116,504) (110,459)c) severance pay indemnities - -d) employee benefit plan costs - -e) allocation to staff severance pay (19,824) (26,991)f) allocation to pension and similar funds: (60) (100)- defined contribution (60) (100)- defined benefit - -g) payments to complementary external retirement benefit plans (18,857) (20,907)- defined contribution (18,857) (20,907)- defined benefit - -h) costs deriving from payment agreements based on own asset instruments - -i) other benefits in favour of personnel (71,968) (8,958)2) Other personnel (11,447) (1,666)3) Directors (8,873) (4,668)Total (691,589) (580,497)9.2 Average number of employees by categoryType 31.12.2007- Personnel 9,301a) executives 151b) total managers 3,892- of which: 3 rd and 4 th level 1,529c) remaining personnel 5,258- Other Personnel 46Total 9,3479.3 Defined-benefit company pension funds: Total costsType of provisions 31.12.2007Personnel pension fund FIPP - Banca Antoniana (2,192)Personnel pension fund FIP - Banca Popolare Veneta -Personnel pension fund FAP - Banca Popolare Veneta (14,956)Pension funds PAP/LUX (2)Personnel pension fund - Credito Lombardo (326)Personnel pension fund - Previbank/Kreditna (892)Personnel pension fund - Casdic/Previp ex Molfetta (489)Total (18,857)305
9.4 Other benefits in favour of personnelType 31.12.2007 31.12.2006External training courses for employees (662) (347)Internal courses with external teaching staff (1,717) (1,196)Accommodation, rent due, condominium fees (1,494) (1,389)Scholarships and grants to employee children (512) (711)Voluntary employee departure plan (50,222) -One-off voluntary employee departure incentives (11,976) (119)Insurance companies (1,572) (1,936)Assessment of employee soc. security fund (FAD) (3,322) (3,207)Other items (491) (53)Total (71,968) (8,958)9.5 Other administrative expenses: breakdownType of expense/Value 31.12.2007 31.12.2006Fees to external professionals (33,991) (37,606)Stationery and printed materials (5,975) (4,213)Insurance companies (8,625) (8,282)Post & telephone costs (23,209) (22,702)surveillance and armoured transport (11,549) (10,882)Advertising (18,719) (18,626)Rent expenses (86,759) (87,671)Car leases (2,951) (2,761)Data processing (60,614) (30,644)Litigation costs (32,914) (31,086)title searches and information (7,117) (10,857)association dues (2,461) (2,266)Maintenance costs for fixed assets (16,482) (17,884)Hire and maintenance of hardware (6,505) (19,331)Maintenance of software (13,108) (15,561)Lighting, water, heating (12,610) (11,952)Various transport costs (3,594) (3,712)Own cars (petrol, lubricants etc.) (989) (1,086)Fees to the board of statutory auditors (232) (343)data transmission (8,165) (8,323)Cleaning (6,881) (6,744)Newspapers, magazines, books (784) (736)Entertainment expenses (466) (732)Intercompany costs (4,302) -Sundry expenses (6,167) (4,168)Administrative expenses (375,169) (358,168)Indirect taxes and fees:Non-deductible VAT (62,719) (56,990)Municipal tax on properties (88) (101)Stamp duty and special tax on stock exchange contracts (47,277) (47,696)Other indirect taxes and fees (15,053) (18,395)Indirect taxation and charges (125,137) (123,182)Total other administrative expenses (500,306) (481,350)306
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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 -
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Section 12Net allowances for risks
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Section 14Net value adjustments to
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Section 16Profits (Losses) from inv
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Section 20Taxes on income from cont
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Section 22Third party profit (loss)
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145
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A. PRIMARY REPORTINGA.1. Distributi
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This section provides information w
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Section 1CREDIT RISKQUANTITATIVE IN
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A.1.5 Cash Exposures to Banks: Tren
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A.3 DISTRIBUTION OF GUARANTEED EXPO
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A.3.4 Impaired "off balance sheet"
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B.1 By-sector distribution of cash
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C. SECURITISATIONS AND TRANSFER OF
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THEANO FINANCE SPASUMMARY STATEMENT
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GIOTTO FINANCE 2 SPASUMMARY STATEME
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2.3 PRICE RISKREGULATORY TRADING PO
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2.5 EXCHANGE RATE RISKQUANTITATIVE
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2.6 DERIVATIVE FINANCIAL INSTRUMENT
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A.2 Bank Portfolio: notional values
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A.4 "Over the counter" financial de
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A.6 Residual duration of "over the
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Currency: STERLINGEntry/Time bandOn
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2. Distribution of financial liabil
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Section 1Shareholders' equityA. QUA
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B. QUANTITATIVE INFORMATIONExposure
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1 - Information on directors' and e
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INDIVIDUAL FINANCIAL STATEMENTS DAT
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Dear Shareholders,In addition to il
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Banca Antonveneta in 2007, a new se
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Distribution ChannelsDuring 2007, B
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The Economic and Financial TrendsDe
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INDIRECT DEPOSITS(in millions of Eu
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Financial Assets(€/thousand)31.12
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Income StatementThe Income Statemen
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Relevant events occurred after the
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4. During the fiscal year 2007, the
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Balance Sheet - Liabilities and sha
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Statement of changes in consolidate
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CASH FLOW STATEMENT (Direct method)
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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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ASSETSSection 1Cash and cash equiva
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2.2 Financial assets held for tradi
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Section 3Financial assets designate
Page 256 and 257: Section 4Financial assets available
Page 258 and 259: 4.5 Financial assets available for
Page 260 and 261: Section 7Loans to customers - Entry
Page 262 and 263: Section 8Hedging derivative contrac
Page 264 and 265: 10.3 Investments: annual changes31.
Page 266 and 267: 11.3 Fixed assets for functional us
Page 268 and 269: Section 12Intangible fixed assets -
Page 270 and 271: 13.2 Deferred tax liabilities: brea
Page 272 and 273: 13.5 Changes in prepaid taxes (offs
Page 274 and 275: Section 15Other assets - Entry 1501
Page 276 and 277: Section 2Due to customers - Entry 2
Page 278 and 279: 3.3 Securities issued: securities u
Page 280 and 281: 4.4 Trading financial liabilities:
Page 282 and 283: Section 8Tax liabilities - Entry 80
Page 284 and 285: The actuarial assumptions used in t
Page 286 and 287: • discount rate. The financial ba
Page 288 and 289: 12.3.2 Personnel pension fund (ex-B
Page 290 and 291: 14.5 Income reserves: other informa
Page 292 and 293: Other information1. Guarantees and
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Page 296 and 297: Section 1Interest - Entries 10 and
Page 298 and 299: Section 2Commissions - Entries 40 a
Page 300 and 301: Section 3Dividends and similar inco
Page 302 and 303: Section 5Net profit on hedging - En
Page 304 and 305: Section 7Net profit/(loss) from fin
Page 308 and 309: Section 10Net allowances for risks
Page 310 and 311: Section 14Profits (Losses) from inv
Page 312 and 313: Section 19Income (loss) after tax f
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Page 316 and 317: Section 1CREDIT RISKQUALITATIVE INF
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Page 322 and 323: A.1.3 Exposure to Cash and Off-Bala
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Page 328 and 329: B. DISTRIBUTION AND CONCENTRATION O
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Page 334 and 335: C.1.7 Service activities - revenue
Page 336 and 337: Section 2MARKET RISK2.1 INTEREST RA
Page 338 and 339: Risk controlRisk control is carried
Page 340 and 341: 2.2 INTEREST RATE RISKBANK PORTFOLI
Page 342 and 343: QUANTITATIVE INFORMATIONSensitivity
Page 344 and 345: 2. Regulatory trading portfolio: di
Page 346 and 347: transactions, (iii) comparable tran
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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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