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Annual Report 20
14
Our Identity 07 Key Data 09 Letter from the President
10 Interview with the CEO 13 About Cecabank 13 Mission 13 Cecabank’s presence 14 Shareholder structure 15 Cecabank’s business 19 Corporate Culture 19 Vision and Values
20 Cecabank’s team 22 The Cecabank brand 23 Interview: Ana María Raposo Ferreira, Director of Cecabank’s Human Resources Area Corporate Governance 27 Governing Bodies 28 Board of Directors 30 Steering Committee 33 Code of conduct Our Business Model 37 Strategic lines 37 Economic and regulatory environment
43 Strengthening our model 44 Business lines6
9 Financial information6
9 Profit & loss7
0 Activity7
3 Capital base7
3 Ratings7
5 Risk management7
5 The Cecabank risk function Financial StatementsCecabank, S.A.
Financial statements, management
report and audit report for the 2014
financial year
Cecabank, S.A. and dependent companies
forming part of the Cecabank Group
Consolidated financial statements,
management report and audit report
for the 2014 financial year