consolidated annual report - Gruppo Banca Sella

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2.3 Caption 50 “Fees and commissions payable”. Composing items Caption 50 “Fees and commissions payable - Other services”. Detailed items 266 - GRUPPO BANCA SELLA 2004 2003 a) Guarantees received - - b) Credit derivatives - - c) Asset management, dealing and consulting: 67.078 59.738 1. securities dealing 26.991 22.079 2. currencies dealing 7 8 3. asset management: 3.1 own securities portfolio - - 3.2 third parties’ securities portfolio 2.276 1.660 4. securities custody and administration 2.853 1.993 5. securities placement 4.135 5.189 6. “door-to-door” sales of securities, financial products and services 30.816 28.809 d) Payment and collection services 43.060 34.952 e) Other services 2.794 3.312 Total 112.932 98.002 Caption 40 “Fees and commissions receivable - Other services”. Detailed items 2004 2003 1. Commissions on loans to customers 10.812 9.247 2. Expenses refunds and other income on loans granted to customers 15.585 14.824 3. Commissions and fees on relations with banks 20 42 4. Refund of post outlays, print-out, etc. 4.524 3.747 5. Safe-deposits boxes 169 170 6. Commissions for funding activities on behalf of third party 1 2 7. Commissions on credit and debit cards 5.255 4.789 8. Trusteeship services 2.213 2.548 9. Other 4.337 4.023 Total 42.916 39.392 2004 2003 1. Fees and commissions for relations with banks, Banca d’Italia and U.I.C. 396 417 (Office of the Comptroller of the Currency) 2. Commissions paid to brokers for treasury transactions 1.499 1.448 3. Other 899 1.447 Total 2.794 3.312
SECTION 3 DEALING PROFITS/LOSSES 3.1 Caption 60 “ Dealing profits (losses)”. Composing items Voci/Operazioni Securities transactions Forex transactions Other transactions 2004 2003 2004 2003 2004 2003 A.1 Revaluations 1.232 95 - - 759 323 A.2 Depreciations (1.572) (1.909) - - (1.559) (611) B. Other profits/losses 23.260 28.683 3.553 4.874 348 570 Total 22.920 26.869 3.553 4.874 (452) 282 2004 2003 1. Government bonds 3.585 3.874 2. Other debt securities 8.467 9.778 3. Equity shares 14.682 15.889 4. Derivative contracts on securities (3.814) (2.672) Consolidated annual report 2004 - 267
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GRUPPO BANCA SELLA CONSOLIDATED ANN
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Section 4 - Tangible and intangible
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BOARD OF DIRECTORS’ CONSOLIDATED
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FINANCIAL RATIOS PROFITABILITY RATI
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- accomplishment of the project for
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R.O.E. (1) 2004 2003 2002 Banca Sel
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F I N A N C I A L R E S U LT S NET
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Loan losses (excluding write-ups to
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SECURITIES PORTFOLIO Consolidated s
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COMMERCIAL AND DISTRIBUTION POLICIE
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BRANCHES OF THE BANKS OF THE GROUP
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An analysis of Group staff highligh
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arise. It puts forward proposals an
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AUDITING CONTROL SURVEYS 2004 2003
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LOANS AS AT 31/12/2004 AND AS AT 31
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ASSETS UNDER MANAGEMENT AND THIRD P
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to € 17,3 million (including divi
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item was given by commissions on th
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Net collected assets showed a posit
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International Capital Holding S.A.
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one person and the rise in wages ac
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2005 OUTLOOK ECONOMIC BACKGROUND Th
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REMARKABLE FACTS AFTER CLOSING OF T
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BOARD OF STATUTORY AUDITORS’ CONS
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CONSOLIDATED FINANCIAL STATEMENTS O
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LIABILITIES (figures in euro thousa
Page 55: EXPLANATORY NOTES TO THE CONSOLIDAT
Page 58 and 59: The consolidated financial statemen
Page 60 and 61: ties hedged and the characteristics
Page 62 and 63: Sella Holding N.V. Participation ho
Page 64 and 65: any interest on arrears accrued and
Page 66 and 67: Dividends Dividends in favour of th
Page 68 and 69: SECTION 1 LOANS 1.1 Caption 30 “D
Page 70 and 71: 1.9 Movements in write-downs during
Page 72 and 73: 2.1 Investment securities 232 - GRU
Page 74 and 75: 3.1 Significant investments Head Ty
Page 76 and 77: Here below are stated the operation
Page 78 and 79: Name of company Activity Ownership
Page 80 and 81: 4.1 Changes during the year in tang
Page 82 and 83: SECTION 6 PAYABLES 6.1 Caption 10
Page 84 and 85: 7.1 Caption 90 “Reserves for poss
Page 86 and 87: Changes in caption 70 “Staff seve
Page 88 and 89: Caption 150 “Subscribed capital
Page 90 and 91: The floating rate bond loan issued
Page 92 and 93: 9.2 Caption 60 “Accruals and defe
Page 94 and 95: 10.5 Forward transactions Transacti
Page 96 and 97: 11.5 Geographical distribution of a
Page 98 and 99: 12.1 Securities dealing 258 - GRUPP
Page 100 and 101: The situation since the beginning o
Page 103 and 104: PART C - INFORMATION ABOUT CONSOLID
Page 105: SECTION 2 COMMISSIONS 2.1 Caption 4
Page 109 and 110: SECTION 5 WRITE-DOWNS, WRITE-UPS AN
Page 111 and 112: SECTION 6 OTHER INCOME STATEMENT CA
Page 113 and 114: PART D - OTHER INFORMATION (all fig
Page 115 and 116: ANNEXES (all figures are shown in e
Page 117: STATEMENT OF CASH FLOW Funds genera
Page 120 and 121: 280 - GRUPPO BANCA SELLA
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consolidated annual report - Gruppo Banca Sella

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