996 - Banca Antonveneta

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Section 1Company assetsA. QUALITATIVE INFORMATIONThe bank's assets are appropriate for its present economic and equity structure, both in individual terms and as laid downby the Bank of Italy.In planning the future development of the Bank’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 INFORMATIONYou are referred to "Part B – Information on the Balance Sheet" – Liabilities – Section 14.365
Section 2Shareholders’ equity and regulatory capital ratios2.1 Area of Application of RegulationsWe note that, in compliance with regulations for the calculation of the consolidated equity and adequacy ratios only thedata provided by the banks, financial and operating companies belonging to the banking group or that were consolidatedon a proportional basis was used.We further note that there are no restrictions or impediments involving the transfer of equity components between groupcompanies.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 190 of the balance sheet liabilities);b) issue premiums: 2,188,152 (item 180 of the balance sheet liabilities);c) other reserves: 189,527 (item 170 of the balance sheet liabilities for the portion concerning the banking group);d) minority interests: 39,667 (item 210 of the balance sheet liabilities for the part concerning the banking group, notincluding the profits attributable to minority interests):e) loss for the year: 5,411 (not including the part of profit or loss concerning companies which do not belong to thebanking group).Furthermore, the following are applicable to the formation of the tier 1 capital (amounts in thousands of euro):f) increases: Innovative equities (preferred securities): 300,000 (included under item 30 “Short term securities” ofthe balance sheet liabilities), the main features of which are described in table 3.2 “Detail of item 30 Securitiesissued: 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 available for sale – positive balance: 8,884 (included under item 140 of thebalance sheet liabilities, excluding the portion of shareholdings in banks and financial companies and the portionconcerning companies which do not belong to the banking group);b) valuation reserves – special laws on revaluation: 70,129 (included in item 140 of the balance sheet liabilities);c) hybrid equity increase instruments and subordinated liabilities (insofar as the included portion): 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: subordinated payables” and 3.2“Detail of item 30 Securities issued: subordinated securities”;Furthermore, the negative IAS/IFRS prudential filters have been reduced: 4,442 representing 50% of the total valuationreserve amount as under point a) above.3. Tier III CapitalThere is no tier III capital.The overall regulatory capital (total capital) of 4,057,046 thousand euro is the sum of the tier I and tier II capital, net ofthe deduction provided for equity investments in insurance companies exceeding 20% (79,261 thousand euro).366
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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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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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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
Page 316 and 317: Section 1CREDIT RISKQUALITATIVE INF
Page 318 and 319: As a final measure, specific regula
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Page 322 and 323: A.1.3 Exposure to Cash and Off-Bala
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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
Page 348 and 349: 2.5 EXCHANGE RATE RISKQUALITATIVE I
Page 350 and 351: 2.6 DERIVATIVE FINANCIAL INSTRUMENT
Page 352 and 353: A.3 Derivatives: Purchase and Sale
Page 354 and 355: A.5 "Over the counter" financial de
Page 356 and 357: SECTION 3LIQUIDITY RISKQUALITATIVE
Page 358 and 359: Currency: SterlingEntry/Time bandOn
Page 360 and 361: 2. Distribution of financial liabil
Page 362 and 363: • attributing the regular segment
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Page 368 and 369: B. QUANTITATIVE INFORMATIONExposure
Page 370 and 371: Breakdown of net shareholders' equi
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Page 374 and 375: Fees to directors, board of auditor
Page 376 and 377: Information required by art. 2497 b
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Page 380 and 381: EQUITY INVESTMENTS Situation at 31
Page 382 and 383: INTERNATIONAL ACCOUNTING STANDARDS
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996 - Banca Antonveneta

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