RELATÓRIO E CONTAS ANNUAL REPORT ANNUAL REPORT

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Teresa Ceccarelli
5 anni fa
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1 RELATÓRIO E CONTAS ANNUAL REPORT ANNUAL REPORT 2014

2 ANNUAL REPORT 2014

4 INDEX

5 4

6 1. MESSAGE OF THE CHAIRMAN TO THE BOARD OF DIRECTORS 5

7 ANNUAL REPORT 2014 The Chairman, 6

8 2. KEY INDICATORS 7

9 ANNUAL REPORT THE BCI BANK 8

10 4. GOVERNING BODIES GENERAL MEETING OF SHAREHOLDERS BOARD OF DIRECTORS AUDIT BOARD 9

11 ANNUAL REPORT ORGANISATIONAL STRUCTURE 10

12 6. MAIN EVENTS OF THE YEAR 2014 JANUARY MARCH APRIL JUNE JULY AUGUST SEPTEMBER NOVEMBER 11

13 ANNUAL REPORT DISTRIBUTION NETWORK GEOGRAPHIC DISTRIBUTION OF THE COMMERCIAL NETWORK, DECEMBER/

14 8. ECONOMIC AND FINANCIAL FRAMEWORK 8.1 INTERNATIONAL CONTEXT 13

15 ANNUAL REPORT

16 8.2 NATIONAL CONTEXT GDP 3,9 5,2 6,8 4,4 Oil Sector -5,6 4,3 0,9-3,5 Non-Oil Sector 9,7 5,6 10,9 8,2 15

17 ANNUAL REPORT

18 17

19 ANNUAL REPORT BUSINESS AREAS 9.1 INDIVIDUAL AND MICROFINANCE 18

20 9.2 CORPORATE AND INSTITUTIONAL 9.3 E-BANKING 19

21 ANNUAL REPORT

22 10. BUSINESS SUPPORT AREA 10.1 HUMAN RESOURCES 21

23 ANNUAL REPORT

24 23

25 ANNUAL REPORT TRANSACTIONS 24

26 10.3 GLOBAL RISK 10.4 COMPLIANCE 10.5 CREDIT RECOVERY 10.6 INFORMATION TECHNOLOGIES 25

27 ANNUAL REPORT INTERNATIONAL RELATIONS 11. SOCIAL RESPONSABILITY 26

28 12. FINANCIAL ANALYSIS ASSETS 27

29 ANNUAL REPORT 2014 LIABILITIES 28

30 EQUITY 29

31 ANNUAL REPORT 2014 PROFIT AND LOSS ACCOUNT 30

32 NET OPERATING INCOME 31

33 ANNUAL REPORT 2014 STRUCTURAL COSTS 32

34 RATIOS 33

35 ANNUAL REPORT PROPOSAL FOR THE APPROPRIATION OF PROFITS 34

36 35

38 14. FINANCIAL STATEMENTS BALANCE SHEET ON 31 DECEMBER 2014 AND

39 ANNUAL REPORT 2014 PROFIT AND LOSS ACCOUNT ON 31 DECEMBER 2014 AND

40 STATEMENT OF CHANGES IN EQUITY ON 31 DECEMBER 2014 AND

41 ANNUAL REPORT 2014 CASH FLOW STATEMENTS ON 31 DECEMBER OF 2014 AND

42 15. NOTES TO THE FINANCIAL STATEMENTS 1. ACTIVITY 2. MAIN ACCOUNTING POLICIES 41

43 ANNUAL REPORT 2014 a) Accruals Basis b) Foreign exchange transactions 42

44 c) Loans 43

45 ANNUAL REPORT

46 45

47 ANNUAL REPORT 2014 d) Securities 46

48 47

49 ANNUAL REPORT 2014 e) Financial fixed assets 48

50 f) Tangible and intangible fixed assets 49

51 ANNUAL REPORT 2014 g) Assets not for own use h) Reduction in the recoverable value of assets (impairment) 50

52 i) Monetary updating of equity reserve 51

53 ANNUAL REPORT 2014 j) Benefits to employees k) Income tax 52

54 53

55 ANNUAL REPORT 2014 l) Wealth tax m) Other Taxes n) Tax Substitution 54

56 o) Provisions and contingencies p) Recognition of income from services rendered and commissions q) Profit per share 55

57 ANNUAL REPORT 2014 r) Dividends distribution s) Main estimates and uncertainties related to the application of accounting policies t) Cash flows u) Balance Clearing 56

58 3. DISPOSABLE ASSETS 57

59 ANNUAL REPORT LIQUIDITY INVESTMENTS 58

60 5. SECURITIES: 59

61 ANNUAL REPORT LOANS AND LIABILITIES IN THE PAYMENT SYSTEM 60

62 7. LOANS 61

63 ANNUAL REPORT

64 63

65 ANNUAL REPORT

66 8. OTHER VALUES 65

67 ANNUAL REPORT

68 9. FIXED ASSETS: 67

69 ANNUAL REPORT

70 69

71 ANNUAL REPORT

72 71

73 ANNUAL REPORT DEPOSITS 72

74 11. LIQUIDITY FUNDING 73

75 ANNUAL REPORT OTHER FUNDING RECEIVED 74

76 13. OTHER LIABILITIES 75

77 ANNUAL REPORT PROVISIONS FOR PROBABLE LIABILITIES 76

78 15. EQUITY Share Capital Reserves, potential earnings and retained earnings 77

79 ANNUAL REPORT

80 16. NET INTEREST INCOME 79

81 ANNUAL REPORT NET INCOME FROM FOREIGN EXCHANGE TRANSACTIONS 18. NET INCOME FROM FINANCIAL SERVICES 80

82 19. STAFF 20. EXTERNAL SUPPLIES 81

83 ANNUAL REPORT TAX AND RATES NOT INCIDENT ON EARNINGS 22. PENALTIES APPLIED BY REGULATORY AUTHORITIES 23. EARNINGS FROM FINANCIAL FIXED ASSETS 24. OTHER OPERATING INCOME AND COSTS 82

84 25. NON-OPERATING EARNINGS 83

85 ANNUAL REPORT TAXES 27. OFF-BALANCE SHEET HEADINGS 84

86 28. SHAREHOLDERS, SUBSIDIARIES AND OTHER RELATED ENTITIES 85

87 ANNUAL REPORT BALANCE PER CURRENCY 86

88 30. SUBSEQUENT EVENTS 87

89 88 ANNUAL REPORT 2014

90 16. OPINION ON FINANCIAL YEAR

91 ANNUAL REPORT

92 17. REPORT OF INDEPENDENT AUDIT 91

93 ANNUAL REPORT

94 93

95 94 ANNUAL REPORT 2014

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