consolidated annual report - Gruppo Banca Sella

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1.9 Movements in write-downs during the year Non guaranteed Description Non-performing Watchlist Loans being Restructured loans exposed Performing loans loans restructured loans loans to country risk A. Total write-downs as of 01/01/2004 119.915 13.166 - - - 1.611 A.1 of which: for default interest 33.503 201 - - - - B. Increases 50.495 15.707 1.800 1.330 - 1.401 B.1 write-downs 40.907 14.936 1.800 - - 1.401 B.1.1 of which: for default interest 7.649 583 - - - - B.2 use of reserves for possible loan losses 28 - - - - - B.3 transfers from other categories of loans 9.507 - - 1.330 - - B.4 other increases 53 771 - - - - C. Decreases 35.277 10.769 1.800 - - 757 C.1 write-ups from valuations 1.045 867 470 - - - C.1.1 of which: for default interest 194 - - - - - C.2 write-ups from collection 4.212 390 - - - - C.2.1 of which: for default interest 1.166 - - - - - C.3 write-offs 29.728 - - - - 218 C.4 transfers to other categories of doubtful loans - 9.021 1.330 - - 486 C.5 other decreases 292 491 - - - 53 D. Total write-downs as of 31/12/2004 135.133 18.104 - 1.330 - 2.255 D.1 of which: for default interest 35.408 138 - - - - Caption 10 “Cash and balances with central banks and post offices”. Composing items Euro-in currencies Other currencies Total Cash 91.562 4.314 95.876 Postal orders 2 - 2 Other instruments with cashier 9 4 13 91.573 4.318 95.891 Free deposits with Banca d’Italia and with local central banks 5.808 4.556 10.364 Deposits with post offices 355 101 456 6.163 4.657 10.820 Total 97.736 8.975 106.711 Caption 30 “Due from banks”. Composing items 230 - GRUPPO BANCA SELLA Euro-in currencies Other currencies Total At sight Cash balances on current accounts for services rendered 68.363 67.227 135.590 Sight deposits 14.953 - 14.953 Other technical forms (caution money) 14.856 - 14.856 98.172 67.227 165.399 Other credits With Banca d’Italia and with local central banks 239.628 2.937 242.565 Term deposits 144.739 205.652 350.391 Credits for leasing contracts 2.476 - 2.476 Repurchase agreements 704.009 - 704.009 Repurchase agreements related to securities loaned 13.386 - 13.386 1.104.238 208.589 1.312.827 Total 1.202.410 275.816 1.478.226 of which: residents 982.334 144.244 1.126.578 non residents 220.076 131.572 351.648
Caption 40 “Due from customers”. Composing items Number of loan customer accounts, including personal loans Euro-in currencies Other currencies Total Current accounts 704.105 10.843 714.948 Advances 501.356 37.224 538.580 Advances not settled on current account - - - Other loans not settled on current account 858.563 56.317 914.880 Other loans (personal loans and mortgage loans) 1.935.379 3.884 1.939.263 Loans using third parties’ funds in administration 17.677 - 17.677 Consumer credits 326.195 - 326.195 Credits for leasing contracts 621.826 - 621.826 Repurchase agreements - - - Securities loaned 7.789 - 7.789 Risk in loan portfolio (including prepaid income) 32.895 - 32.895 Non-performing loans 72.268 13 72.281 Other technical forms 3.007 7 3.014 Total 5.081.060 108.288 5.189.348 of which: residents 4.978.578 80.019 5.058.597 non residents 102.482 28.269 130.751 2004 2003 Euro-in currencies 379.732 382.364 Other currencies 903 1.287 380.635 383.651 Number of outstanding repurchase agreements and securities loaned 62 80 Consolidated annual report 2004 - 231
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GRUPPO BANCA SELLA CONSOLIDATED ANN
Page 4 and 5:
Section 4 - Tangible and intangible
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
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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
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
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 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 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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