31 October 2018 JC 2018 68 Joint Committee List of Financial Conglomerates 2018 Financial conglomerates with head of group in the EU/EEA 1 2 3 Name of the Coordinator Relevant Competent Authorities (where different from the coordinator) 1. Wüstenrot Finanzmarktaufsichtsbehörde (Austria) 2. Anbang Belgium Holding NV 3. Alm. Brand National Bank of Belgium Finanstilsynet (Denmark) National Bank of Slovakia HANFA (Croatia) Croatian National Bank (Croatia) 4. Danske Bank Finanstilsynet (Denmark) Finanstilsynet (Norway) Finansinspektionen (Sweden) Finanssivalvonta (Finland) 5. ABN AMRO N.V. 6. Banco Bilbao Vizcaya Argentaria S.A.(BBVA) (Article 3 applies 3 ) 7. Banco Santander, S.A. De Nederlandsche Bank Autoridade de Supervisão de Seguros e Fundos de Pensões (Portugal) Maltese Financial Services Authority (Malta) 1 For identification purposes, the most recent annual accounts provided by financial groups have been considered when making determinations as to their status as financial conglomerates. The list reflects information received by the Joint Committee of the European Supervisory Authorities up to 31 October 2018. 2 In the case where the Member State / ECB has chosen to supervise according to Articles 6 to 17 of Directive 2002/87/EC (FICOD) the regulated entities within a financial conglomerate which is the subgroup of another financial conglomerate, the (sub) financial conglomerate is included in the list. A reference is made to which financial conglomerate the subgroup is part of. Where the Member State/ECB has opted according to Article 5 (2) of Directive 2002/87/EC not to supervise a subgroup as a financial conglomerate, as it considers that the subgroup is part of another financial conglomerate to which the FICOD applies, the subgroup has not been included in the list. 3 The list includes groups for which a waiver, either in full or in part according to Article 3 or 3a of Directive 2002/87/EC applies. Where Article 3.3 or Article 3.3a, resp. of Directive 2002/87/EC applies, the relevant competent authorities have decided by common agreement not to regard the group as a financial conglomerate or, instead, the group in question has been identified as a financial conglomerate, but the coordinator and, where appropriate, the relevant competent authorities have decided that the group should not be subject to all requirements of supplementary supervision as required under Directive 2002/87/EC. 1
8. The Bank of Ireland plc. 9. Bank of Valletta 10. Banque Neuflize OBC Malta Financial Services Authority (Malta) 11. Le e La Banque Postale 12. Belfius Bank NV/SA National Bank of Belgium (Belgium) 13. BNP Paribas Finansinspektionen (Sweden) 14. e Crédit Agricole 15. e Crédit Mutuel 16. Credito Emiliano 17. DZ Bank Gruppe 18. e BPCE 19. Grupo Ibercaja 20. CaixaBank S.A. Autoridade de Supervisão de Seguros e Fundos de Pensões (Portugal) 21. HSBC France 22. HSBC Bank Malta plc 23. Intesa San Paolo S.p.A. Malta Financial Services Authority (Malta) Croatian National Bank (Croatia) 2
24. INVESTAR and its sub conglomerate Argenta Banken Verzekeringsgroep (Argenta BVg) National Bank of Belgium (Belgium) Commission de Surveillance de Secteur Financier (Luxembourg) 25. KBC N.V. National Bank of Belgium (Belgium) Bulgarian National Bank (Bulgaria) Financial Services and Markets Authority (FSMA) (Belgium) 26. Monte dei Paschi di Siena Banking 27. OP Financial Financial Supervisory Authority (Finland) Finantsinspektsioon (Estonia) 28. Coöperatieve Rabobank U.A. 29. Société Générale De Nederlandsche Bank Bulgarian National Bank (Bulgaria) 30. Unicredit S.p.A. 31. Aktia Financial Supervisory 32. LähiTapiola Financial Supervisory 33. Sampo Financial Supervisory 34. Taaleri Financial Supervisory 35. AXA Autorité de Contrôle Prudentiel et de Résolution (France) Finanstilsynet (Denmark) Finansinspektionen (Sweden) Finanstilsynet (Norway) Finantsinspektsioon (Estonia) Bank of Greece (Greece) Commissariat aux assurances (Luxembourg) National Bank of Belgium (Belgium) Financial Conduct 3
36. MNH Autorité de Contrôle Prudentiel et de Résolution (France) 37. Milleis Banque Autorité de Contrôle Prudentiel et de Résolution (France) 38. Allianz 39. DEBEKA 40. Inter 41. LVM 42. Signal Iduna Gruppe 43. Wüstenrot und Württembergische 44. Generali Assicurazioni (Italy 45. Unipol Assicurazioni (Italy Assicurazioni (Italy Finanzmarktaufsichtsbehörde (Austria) Banca d Italia (Italy) Banca d Italia (Italy) 46. Mediolanum Banca d Italia (Italy) Banco de España (Spain) 47. Achmea De Nederlandsche Bank 48. Aegon De Nederlandsche Bank Bank of Greece (Greece) 4
49. APG De Nederlandsche Bank 50. Delta Lloyd 4 De Nederlandsche Bank 51. NN De Nederlandsche Bank National Bank of Belgium (Belgium) Bank of Greece (Greece) 52. DNB Finanstilsynet (Norway) Commission de Surveillance de Secteur Financier (Luxembourg) 53. Gjensidige Finanstilsynet (Norway) Finanstilsynet (Finland) 54. Jernbanepersonalets Finanstilsynet (Norway) 55. Storebrand Finanstilsynet (Norway) Finansinspektionen (Sweden) 56. Eika Finanstilsynet (Norway) 57. KLP Finanstilsynet (Norway) 58. PZU 59. Crédito Agrícola (Article 3.3 a applies 3 ) Authority KNF (Poland) Banco de Portugal ( Portugal) 60. Avanza Finansinspektionen (Sweden) 61. Nordnet Finansinspektionen (Sweden) 62. Länsförsäkringar Finansinspektionen (Sweden) Lietuvos bankas (Lithuania) Financial and Capital Market Commission (Latvia) Autoridade de Supervisão de Seguros e Fundos de Pensões (Portugal) 63. SEB Finansinspektionen (Sweden) 64. Svenska Finansinspektionen (Sweden) Handelsbanken 65. Skandia Finansinspektionen (Sweden) 66. Swedbank Finansinspektionen (Sweden) 67. Baillie Gifford & Co 68. Integrated Financial Arrangements 69. Legal & General Investment Management (Holdings) Limited 70. Invesco 71. HSBC 4 As per 1 January 2018, Delta Lloyd has merged into NN and therefore has ceased to exist as a separate group from that date. This will be reflected in the updated list of financial conglomerates for 2019. 5
72. Lloyds Banking Financial Conduct 73. Quilter 74. Sanlam 75. Schroders 76. The Carlyle Trust Financial Conduct Financial Conduct Financial Conduct 77. Standard Life Aberdeen Plc 78. Grucajrural Inversiones, S.L. Banco de España Commissariat aux Assurances (Luxembourg) Commission de Surveillance du Secteur Financier (Luxembourg) Finanstilsynet (Norway) Comisión Nacional del Mercado de Valores (Spain) 6
Financial conglomerates with head of group outside the EU/EEA 1,2,3 Head of in Switzerland Name of Coordinator EUlevel Relevant competent Authorities, where different from the coordinator 1. UBS Head of in the United States of America Name of Coordinator EUlevel Relevant competent Authorities, where different from the coordinator 1. Ameriprise Head of in Bermuda Name of Coordinator EUlevel Relevant competent Authorities, where different from the coordinator 1. Fidelity 7