This document, prepared in PDF format to facilitate the reading of the Annual financial statements, does not constitute compliance with the obligations arising from Directive 2004/109/EC (the "Transparency Directive") and Delegated Regulation (EU) 2019/815 (the "ESEF Regulation" - European Single Electronic Format). For these purposes, a special XHTML format has been developed and is available on the institutional website of Banca Popolare di Sondrio https://istituzionale.popso.it/
ORDINARY SHAREHOLDERS' MEETING 27 APRIL 2024
Banca Popolare di Sondrio S.p.A. Società per azioni (joint-stock company)
Head Office and General Management: ITALY - 23100 Sondrio (SO) - Piazza Garibaldi 16 Tel. 0342 528.111 - Fax 0342 528.204
Websites: https://www.popso.it - https://istituzionale.popso.it
E-mail info@popso.it - Certified e-mail (PEC): postacertificata@pec.popso.it Sondrio Companies Register No. 00053810149 - Official List of Banks No. 842 Monetary intermediation by monetary institutions other than central banks Parent Company of the Banca Popolare di Sondrio Banking Group,
Official List of Banking Groups No. 5696.0 - Member of the Interbank Deposits Protection Fund Tax code and VAT number: 00053810149
Share capital: 1,360,157,331 euro - Reserves: 1,564,088,615 euro (Figures approved at the Shareholders' meeting of 27 April 2024)
Rating:
- Rating issued to Banca Popolare di Sondrio by Fitch Ratings on 6 July 2023:
- Long-termIssuer Default Rating (IDR): BB+
- Short-termIssuer Default Rating (IDR): B
- Viability Rating: bb+
- Government Support Rating: n.a.
- Long-termDeposit Rating: BBB-
- Short-termDeposit Rating: F3
- Senior Preferred Debt: BB+
- Tier 2 Subordinated Debt: BB-
- Outlook: Stable
-
Rating issued to Banca Popolare di Sondrio by DBRS Morningstar on 13 November 2023: - Long-Term Issuer Rating: BBB (low)
- Short-Term Issuer Rating: R-2 (middle)
- Intrinsic Assessment: BBB (low)
- Support Assessment: SA3
- Long-Term Deposit Rating: BBB
- Short-Term Deposit Rating: R-2 (high)
- Long-term Senior Debt: BBB (low)
- Short-term Debt: R-2 (middle)
- Subordinated Debt: BB
- Trend: Positive - Rating issued to Banca Popolare di Sondrio by Scope Ratings on 14 March 2023: - Issuer rating: BBB
- Outlook: Stable - Rating issued to Banca Popolare di Sondrio by S&P Global Ratings on 26 February 2024: - Stand-alone credit profile: BBB-
- Long-term Issuer Credit Rating: BBB-
- Short-Term Issuer Credit Rating: A-3
- Long-term Resolution Counterparty Rating: BBB
- Short-term Resolution Counterparty Rating: A-2
- Outlook: Stable
CONTENTS | |
Corporate bodies | 13 |
Calling of the meeting | 14 |
Directors' Report on Operations | 26 |
Report of the Board of Statutory Auditors to the Shareholders' Meeting | 137 |
Financial Statements of the Company | 188 |
Balance sheet | 189 |
Income statement | 191 |
Statement of other comprehensive income | 192 |
Statement of changes in shareholders' equity | 193 |
Cash flow statement | 195 |
Notes | 197 |
PART A - Accounting policies | 197 |
PART B - Information on the balance sheet | 242 |
PART C - Information on the income statement | 281 |
PART D - Comprehensive Income | 296 |
PART E - Information on risks and related hedging policies | 297 |
PART F - Information on Equity | 411 |
PART G - Business Combinations involving companies or business units | 414 |
PART H - Transactions with related parties | 415 |
PART I - Equity-settledshare-based payment agreements | 417 |
PART L - Segment information | 418 |
PART M - Information on Leasing | 419 |
Annexes | 421 |
Financial statements of subsidiaries | 425 |
Certification of the Managing Director and the Manager responsible for preparing the company's | |
accounting documents | 440 |
Independent Auditor's report on the company financial statements | 441 |
6
Group Report on Operations | 449 |
Consolidated financial statements of the Banca Popolare di Sondrio Banking Group | 475 |
Consolidated balance sheet | 476 |
Consolidated income statement | 478 |
Consolidated statement of other comprehensive income | 479 |
Consolidated statement of changes in equity | 480 |
Consolidated cash flow statement | 482 |
Consolidated Notes | 484 |
PART A - Accounting policies | 484 |
PART B - Information on the consolidated balance sheet | 534 |
PART C - Information on the consolidated income statement | 576 |
PART D - Consolidated statement of other comprehensive income | 592 |
PART E - Information on risks and related hedging policies | 593 |
PART F - Information on consolidated equity | 668 |
PART G - Business Combinations involving Businesses or Business Units | 671 |
PART H - Related-party transactions | 672 |
PART I - Equity-settledshare-based payment agreements | 674 |
PART L - Segment information | 676 |
PART M - Information on Leasing | 685 |
Certification of the Managing Director and the Manager responsible for preparing the Company's | |
accounting documents | 688 |
Report of the Independent Auditors on the consolidated financial statements | 689 |
Resolutions of the shareholders' meeting………………………………………………………………………..698 | |
The progress of Banca Popolare di Sondrio in the main items of the financial statements | 705 |
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Banca Popolare di Sondrio Scpa published this content on 22 May 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 May 2024 15:58:03 UTC.