Informe_Anual_Cecabank_2016_ENG

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Page Background

Page. 2

2013-2016 STRATEGIC PLAN OUR BUSINESS MODEL

01

05

1.1

Strategic plan: We reach the end of a cycle 12

1.2

Main achievements 13 Improvement of key ratios 13 Consolidation of the business model 15 Diversification of income 17 Diversification of client base 18 New corporate culture 18

1.3

2017-2020 Strategic Plan 19 Structure 19 Objectives 19

5.1

Economic and regulatory context 56 Economic framework and the state of the markets 56 Agenda 60 Balance Sheet 2013-2016 61

5.2

Lines of Business 62 Securities Services 63 Treasury Management 66 Banking Services 69 ABOUT CECABANK FINANCIAL INFORMATION

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06

2.1

Our details 22

2.2

Our identity 23 Cecabank’s activity 24 Shareholders 25 Shareholder structure 26 Mechanisms of dialogue with stakeholders 27

2.3

2016 Main milestones 30

6.1

Financial information 82 Results 82 Activity 83 Robust capitalisation 86 Ratings 87

6.2

Risk management 88 Structure and organisation 88 Assets and Liabilities Committee (ALC) 90 The Compliance and Operational Risk Committee 91

2016

ANNUAL

REPORT