Bilancio 2010 Banca d Alba

Bilancio 2010

Banca d’Alba

Bilancio 2010 Banca d’Alba

BANCA DI CREDITO COOPERATIVO DI ALBA LANGHE E ROERO società cooperativa Capogruppo del Gruppo bancario Banca d’Alba iscritto all’Albo dei Gruppi bancari n. 8530.8

Sede legale: via Cavour, 4 - 12051 Alba (CN)

Registro delle Imprese C.C.I.A.A. di Cuneo n. 00236570040 – REA 44644 Iscritta all’Albo nazionale delle Banche n. 205.50. - Codice ABI n. 8530/8

Iscritta all’Albo delle società cooperative n. A 161532

Aderente al Fondo di Garanzia dei Depositanti del Credito Cooperativo, al Fondo Nazionale di Garanzia, al Fondo di Garanzia degli Obbligazionisti e al Fondo di Garanzia Istituzionale del Credito Cooperativo

Sito Internet: www.bancadalba.it

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Consiglio di Amministrazione

Presidente Felice Cerruti

Vice Presidente Vicario Tino Ernesto Cornaglia Vice Presidente Pierpaolo Stra

Consiglieri Guido Battaglio

Matteo Bosco Ornella Bracco Raffaele Drocco Margherita Fenoglio Gian Franco Marengo Maurizio Montagnese Giulio Porzio

Pierluigi Rinaldi Giancarlo Rista Emilio Vaschetto Mario Viazzi

Collegio Sindacale

Presidente Michelangelo Bonardi

Sindaci Effettivi Mariella Bottallo Maurizio Giacosa Sindaco Supplente Giuseppe Pezzuto

Giuseppe Vico

Direzione

Direttore Generale Riccardo Corino Vice Direttore Generale Mario Musso

Società di revisione

Deloitte & Touche S.p.A.

Cariche Sociali

al 14 marzo 2011

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Le filiali della Banca

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11 SALUTO DEL PRESIDENTE

15 INDICATORI E PROSPETTI DI BILANCIO Principali indicatori di sintesi

Stato patrimoniale Conto economico

19 RELAZIONE SULLA GESTIONE Lo scenario economico e creditizio La gestione mutualistica

L’andamento reddituale

Le grandezze operative e la struttura La gestione e il controllo dei rischi L’evoluzione prevedibile della gestione Proposta di ripartizione dell’utile 64 RELAZIONI

Relazione sul Collegio Sindacale Relazione sulla Società di Revisione 69 SCHEMI DI BILANCIO

Stato patrimoniale Conto economico

Prospetto della redditività complessiva Prospetto della variazioni di patrimonio netto Rendiconto finanziario

76 NOTA INTEGRATIVA Parte A – Politiche contabili

Parte B – Informazioni sullo stato patrimoniale Parte C – Informazioni sul conto economico Parte D – Redditività complessiva

Parte E – Informazioni sui rischi e sulle relative politiche di copertura Parte F – Informazioni sul patrimonio

Parte G – Operazioni di aggregazione riguardanti imprese o rami d’aziende Parte H – Operazioni con parti correlate

Parte I – Accordi di pagamento basati su proprio strumenti patrimoniali Parte L – Informativa di settore

Indice

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Saluto del Presidente

 


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26

Evoluzione Soci nel 2010

totale di cui per-

sone fisiche % su tot

di cui per- sone giuri-

diche

% su tot

Soci al 31-12-09    

Soci ammessi nel 2010      

Soci usciti nel 2010     

Soci al 31-12-10    


Variaz. 10/09    
  

Variaz. %10/09  
 


Evoluzione Soci dal 1998

30.370

7.399 9.414

11.134 14.239

16.015 17.147

19.734 21.232

22.282

23.846 25.356

35.050

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

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27 Ripartizione soci persone fisiche per genere

42%

51%

58%

49%

Soci al 31-12- 2010 Soci ammessi nel 2010

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28

Distribuzione % Soci per classi di età







  



 

ILQR DDQQL    R OWUHDQQL

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euro/mln % euro/mln %

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1.943

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2010 2009

Classi di importo importo posizioni importo posizioni

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euro/mln % euro/mln %

Variazione 2010/2009

(%)

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850

1.001

1.247

1.486

1.734

2.083 2.343

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Impieghi netto sofferenze per classi di importo (composizione %)

2010 2009

Classi di importo Importo posizioni importo posizioni

Fino a 25.000        

Da 25.000 a 50.000        

Da 50.000 a 150.000         

Da 150.000 a 300.000         

Da 300.000 a 1 milione        

Oltre 1 milione        

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Crediti deteriorati lordi

2010 2009

euro/mln % euro/mln %

Variazione 2010/2009

(%)

Scaduti          

Ristrutturati          

Incagli          

Sofferenze          

Totale crediti deteriorati   
 


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