consolidated annual report - Gruppo Banca Sella

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Section 4 - Tangible and intangible fixed assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 240 Section 5 - Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 241 Section 6 - Payables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 242 Section 7 - Provisions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 244 Section 8 - Capital, equity reserves, reserve for general banking risks 164 - GRUPPO BANCA SELLA and subordinated liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 248 Section 9 - Other liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 252 Section 10 - Guarantees and commitments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 253 Section 11 - Concentration and distribution of assets and liabilities. . . . . . . . . . . . . . . . . . . 255 Section 12 - Asset management and dealing on behalf of third parties . . . . . . . . . . . . . . . . 258 PART C - INFORMATION ABOUT CONSOLIDATED INCOME STATEMENT 263 Section 1 - Interest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 264 Section 2 - Commissions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 265 Section 3 - Dealing profits/losses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 267 Section 4 - Administrative expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 268 Section 5 - Write-downs, write-ups and provisions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 269 Section 6 - Other income statement captions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 271 Section 7 - Other information regarding income statement. . . . . . . . . . . . . . . . . . . . . . . . . . 272 PART D - OTHER INFORMATION 273 Section 1 - Directors and statutory auditors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 274 ANNEXES 275 Statement of changes in shareholders’ equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 276 Statement of cash flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 277 AUDITORS’ REPORT 279
BOARD OF DIRECTORS OF THE PARENT COMPANY FINANZIARIA BANSEL S.p.A. appointed up to the approval of the 2005 financial statements Chairman * Maurizio Sella Vice Chairman * Lodovico Sella Vice Chairman * Franco Sella Managing Director * Pietro Sella Director Mario Cattaneo “ Mario Renzo Deaglio (as from 1 February 2005) “ Pier Vittorio Magnani “ Enzo Panico “ Giovanni Rosso “ Marco Scarzella “ * Federico Sella “ * Sebastiano Sella “ Vittorio Sella “ Marco Weigmann (as from 1 February 2005) “ Giovanni Zanetti * Member of the Executive Committee BOARD OF STATUTORY AUDITORS OF THE PARENT COMPANY FINANZIARIA BANSEL S.p.A. appointed up to the approval of the 2006 financial statements Auditor - Chairman Alberto Rizzo “ Vittorio Bernero “ Alessandro Rayneri Supplementary Auditor Roberto Cravero “ “ Benito Rimini Consolidated annual report 2004 - 165
Page 1: GRUPPO BANCA SELLA CONSOLIDATED ANN
Page 7 and 8: BOARD OF DIRECTORS’ CONSOLIDATED
Page 9 and 10: FINANCIAL RATIOS PROFITABILITY RATI
Page 11 and 12: - accomplishment of the project for
Page 13 and 14: R.O.E. (1) 2004 2003 2002 Banca Sel
Page 15 and 16: F I N A N C I A L R E S U LT S NET
Page 17 and 18: Loan losses (excluding write-ups to
Page 19 and 20: SECURITIES PORTFOLIO Consolidated s
Page 21 and 22: COMMERCIAL AND DISTRIBUTION POLICIE
Page 23 and 24: BRANCHES OF THE BANKS OF THE GROUP
Page 25 and 26: An analysis of Group staff highligh
Page 27 and 28: arise. It puts forward proposals an
Page 29 and 30: AUDITING CONTROL SURVEYS 2004 2003
Page 31 and 32: LOANS AS AT 31/12/2004 AND AS AT 31
Page 33 and 34: ASSETS UNDER MANAGEMENT AND THIRD P
Page 35 and 36: to € 17,3 million (including divi
Page 37 and 38: item was given by commissions on th
Page 39 and 40: Net collected assets showed a posit
Page 41 and 42: International Capital Holding S.A.
Page 43 and 44: one person and the rise in wages ac
Page 45 and 46: 2005 OUTLOOK ECONOMIC BACKGROUND Th
Page 47 and 48: REMARKABLE FACTS AFTER CLOSING OF T
Page 49 and 50: BOARD OF STATUTORY AUDITORS’ CONS
Page 51 and 52: CONSOLIDATED FINANCIAL STATEMENTS O
Page 53 and 54: 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
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any interest on arrears accrued and
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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
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2.1 Investment securities 232 - GRU
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3.1 Significant investments Head Ty
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Here below are stated the operation
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Name of company Activity Ownership
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4.1 Changes during the year in tang
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SECTION 6 PAYABLES 6.1 Caption 10
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7.1 Caption 90 “Reserves for poss
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Changes in caption 70 “Staff seve
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Caption 150 “Subscribed capital
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The floating rate bond loan issued
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9.2 Caption 60 “Accruals and defe
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10.5 Forward transactions Transacti
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11.5 Geographical distribution of a
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12.1 Securities dealing 258 - GRUPP
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The situation since the beginning o
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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 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
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280 - GRUPPO BANCA SELLA
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consolidated annual report - Gruppo Banca Sella

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