- Page 1: GRUPPO BANCA SELLA CONSOLIDATED ANN
- Page 4 and 5: Section 4 - Tangible and intangible
- Page 8 and 9: Net interest income 205,2 189,0 8,6
- Page 10 and 11: OVERVIEW OF GROUP STRATEGY Provided
- Page 12 and 13: OVERVIEW OF PERFORMANCE In a scenar
- Page 14 and 15: RECLASSIFIED CONSOLIDATED INCOME ST
- Page 16 and 17: NET FEES (figures in euro million)
- Page 18 and 19: C A P I T A L A N D I N V E S T M E
- Page 20 and 21: pervisory purposes over total risk
- Page 22 and 23: fair specialized in trading on line
- Page 24 and 25: GRUPPO BANCA SELLA Group staff (1)
- Page 26 and 27: aim of improving the distribution o
- Page 28 and 29: The participation to the interbank
- Page 30 and 31: MAIN BUSINESS AREAS - OPERATING VOL
- Page 32 and 33: The unfavourable economic situation
- Page 34 and 35: COMPANIES OF THE GROUP Banca Sella
- Page 36 and 37: Banca di Palermo S.p.A. As at 31 De
- Page 38 and 39: ecorded a decrease of 74% over 2003
- Page 40 and 41: ket market (day MTA market) stood a
- Page 42 and 43: tion) stood at 1,26%, showing an in
- Page 44 and 45: a year earlier, while other income
- Page 46 and 47: • growth of customers of foreign
- Page 48 and 49: 208 - GRUPPO BANCA SELLA RECONCILIA
- Page 50 and 51: Shareholders, the Consolidated Fina
- Page 52 and 53: 212 - GRUPPO BANCA SELLA CONSOLIDAT
- Page 54 and 55: (figures in euro thousand) 31/12/20
- Page 57 and 58:
PART A - ACCOUNTING POLICIES Consol
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of the leased asset be equal to a g
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differential between spot exchange
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Consolidation criteria Equity inves
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on consolidation, is calculated in
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PART B - INFORMATION ABOUT CONSOLID
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1.6 Secured loans to customers 2004
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Caption 40 “Due from customers”
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2.3 Dealing securities Book value M
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Head Type of Net Economic Ownership
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3.3 Assets and liabilities towards
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3.5 Caption 80 “Investments in su
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SECTION 5 OTHER ASSETS 5.1 Caption
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Number of outstanding current accou
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7.5 Changes in liabilities for defe
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Changes in caption 80/b “Provisio
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Caption 110 “Subordinated liabili
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Caption 100 “Goodwill arising on
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SECTION 10 GUARANTEES AND COMMITMEN
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SECTION 11 CONCENTRATION AND DISTRI
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11.7 Assets and liabilites in forei
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Securitizations STATE OF THE SECURI
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F) Interest payable on bonds issued
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SECTION 1 INTEREST 1.1 Caption 10
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2.3 Caption 50 “Fees and commissi
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268 - GRUPPO BANCA SELLA SECTION 4
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Caption 140 “Provisions to the re
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272 - GRUPPO BANCA SELLA SECTION 7
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274 - GRUPPO BANCA SELLA SECTION 1
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276 - GRUPPO BANCA SELLA STATEMENT
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AUDITORS’ REPORT Consolidated ann
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Consolidated annual report 2004 - 2