MEMORIA_A4-CECABANK_2018

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Cecabank Report 2018

Contents

Letter from the CEO 05 Corporate Culture 37

3.1

Cecabank’s vision 38

3.2

Creation of value 39

3.2.1

3.2.2

3.2.3

Specialisation 44

3.2.4

Customer orientation 46

3.2.5

3.2.5.1

Corporate Governance 48

3.2.5.2

CSR 58 Financial Information 105

5.1

Financial Information 106

5.2

Risk management 112 Our business model 67

4.1

Economic and regulatory environment 68

4.1.1

Political risks 68

4.1.2

Economic framework and the state of the markets 69

4.1.3

Regulatory agenda 76

4.2

Lines of business 80

4.2.1

Securities Services 80

4.2.2

Treasury Management 86

4.2.3

4.2.4

Digital solutions 97

4.2.5

Retail services 103 Annual accounts 115 About Cecabank 09

2.1

2.2

Our activity 12

2.3

Cecabank presence 13

2.4

Shareholders and shareholder structure 14

2.5

Presence in forums 16

2.6

International Business 24

2.7

Strategic Plan: 2017 – 2020 evolution 26