consolidated annual report - Gruppo Banca Sella

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Caption 140 “Provisions to the reserve for possible loan losses”. Composing items 270 - GRUPPO BANCA SELLA 2004 2003 Provisions for the financial year 1.967 1.990 Caption 150 “Write-downs to financial fixed assets”. Composing items 2004 2003 Write-downs to equity investments 429 520 Caption 170 “Profit on investments evaluated according to the equity method”. Composing items 2004 2003 Profit (loss) for the year 710 266
SECTION 6 OTHER INCOME STATEMENT CAPTIONS 6.1 Caption 70 “Other operating income”. Composing items 6.5 Caption 220 “Income taxes for the year”. Composing items 2004 2003 Property rental income and other similar revenues 990 894 Expenses recovery and other revenues on deposits and current accounts 10.155 9.848 Recovery of charges for staff attached to other companies 166 210 Recovery of stamp duty and other taxes 17.063 16.301 Expenses recovery and other income from financial leases 3.309 2.932 Capital gains on the sale of financial leased assets 608 352 Income for software services 5.472 4.697 Profit on junior bonds from securitization operations 4.206 5.162 Tax credit on dividends - 4.314 Recovery of interest on payments and collections settled in clearing house 879 947 Premiums received on options 350 - Other 6.741 6.894 Total 49.939 52.551 6.2 Caption 110 “Other operating expenses”. Composing items 2004 2003 Capital losses on the sale of financial leased assets 139 879 Insurance on leased assets 176 154 Reimbursement of interest on payments and collections settled in clearing house 1.370 1.393 Premiums paid on options 299 - Other 4.337 4.657 Total 6.321 7.083 6.3 Caption 190 “Extraordinary income”. Composing items 2004 2003 Gains on the disposal of tangible and intangible fixed assets 39 274 Gains on the disposal of investment securities - 159 Gains on the disposal of equity investments 5.486 1.997 Out-of-period income on items referring to previous financial years 6.848 6.466 Out-of-period income on provisions for risks and charges of Sella Bank Luxembourg S.A. in excess 6.951 - Other 4.973 2.573 Total 24.297 11.469 6.4 Caption 200 “Extraordinary expenses”. Composing items 2004 2003 Losses on the disposal of tangible and intangible fixed assets 57 351 Losses on the disposal of equity investments 42 - Out-of-period expenses and cancellation of assets (various cancellations, losses due to robberies - quotas not covered by insurance, etc) 5.585 6.928 Deferred taxation relevant to previous financial years 58 - Other 3.709 1.130 Total 9.451 8.409 2004 2003 Current taxation 35.596 37.570 Variation of taxes paid in advance (1.887) (5.239) Variation of deferred taxation 730 (259) Total 34.439 32.072 Consolidated annual report 2004 - 271
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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
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EXPLANATORY NOTES TO THE CONSOLIDAT
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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 and 106: SECTION 2 COMMISSIONS 2.1 Caption 4
Page 107 and 108: SECTION 3 DEALING PROFITS/LOSSES 3.
Page 109: SECTION 5 WRITE-DOWNS, WRITE-UPS AN
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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