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Products&servicesPrivateclients:Theyareofferedmoneyinvestments,provisionsforthefutureandcapitalaccumulationandsavingthroughthebuildingsocietybesidesthemanagementofbankaccounts.Businessclients:Euro-banksupportsself-employedcustomersandfamilybusinessesinthefinancingandsafeguardingofthecompany.Euro-bankofferstheservicesofinternationalpaymenttransactions,interestandcurrencymanagementaswellase-bankingduetotheglobalizationofmanycompanies.Bigcorporations:Forbigcorporations,Euro-bankoffersprogramsforcompanyfinancing,alsobyoutsidecapital,leasingandgovernmentsupportprograms,amongothers.Industryexpertsmaycarryoutcreditcheckforacompanyandthenoptionalaccompanyarepositioning.Allproductsandservicesareeitherdesignedforregionalorglobalprojects.InvestmentsareenabledbyequityandrealestateinvestmentfundsinEurope,theUSA,SouthAmericaandAsia.ThehedgefundsofEuro-Bankofferthechanceforhighreturnswithinaveryshorttime.LocationAssetManagement:IntheUSA,thebankofferstheinvestmentofpropertyforprivateclientsandsmallbusinesses,amongothers.InAustralia,Japan,SingaporeandBrazilmainlyformedium-sizedcompanies.Investmentfunds/warrants:InvestmentfundsandwarrantsareofferedinEurope,theUSAandAsiaaswellasintheUnitArabEmirates.InsomecountriesinwhichEuro-Bankofferswarrantsitalsooffersrealestatefunds.HedgeFunds:TheregionalfocusarethemetropolisesNewYork,Tokyo,SydneyandLondon.Thecurrencyinwhichtransactionsofhedgefundsaremade,isUSdollar.Regionalfocus:InEurope.EspeciallyinGermany,Euro-Bankhasastrongpositioninallcompanydivisions.Ifthenumberofemployeesistakenasacriterion,themostimportantbranchofficeofEuro-BankisMunich.BoardofdirectorsDr.JosephFieldman:ChairmanoftheBoardofDirectorsandCertifiedEconomist.HehasbeenmemberoftheBoardofDirectorsforfiveyears.AfterhisdoctorateinSanFrancisco,heworkedforfiveyearsasafinancialadviserwiththeAmericanconsultingcompanyClueConsult.LisaWest:HeadofIB.AfterherbanktraineeshipwithEuro-bank,shestudiedeconomicsandreturnedtoEuro-bankasaclientadvisorwhereshebecametheHeadofIBafterhavingworkedinNewYorkandLosAngeles.RyanWolfe:HeadofPBCandfullyqualifiedlawyer.First,heworkedasalawyerintherealestatelawsector,butthenstartedworkingasalegalconsultantintheLegalDepartmentofEuro-bank,afterthreeyears,hebecameheadofPBC.Dr.MarkBrand:HeadofIBandCertifiedPoliticalEconomist.HeusedtoworkforaprivatebankindifferentcountriesinAsia(MalaysiaandHongKong,amongothers)fortenyearsandthenstartedworkingasastrategyadvisorforEuro-Bankafterhavingreceivedaverygoodoffer.StructureUmbrellaOrganization:ItsupportstheboardofDirectorsinmanagingtheentirebank.SomemembersoftheumbrellaorganizationaresimultaneouslymembersoftheBoardofDirectors.JosephFieldmanisoneofthemembersoftheBoardofDirectors.Subordinatedtotheumbrellaorganizationarethreedivisions:InvestmentBank(IB):Clientsarenormallyprivateandpublicinstitutionsaswellasmedium-sizedandglobalornationalcompanies.Everyclienthasitsowncontactperson.IBofferscapitalmarketproductsonaworldwidebasis.PrivateandBusinessClients(PBC):ThisdivisionisthebiggestandmostimportantoneofEuro-Bankandservicesprivateclientsandsmallbusinessesininvestments.ThefocusoftheclientssegmentsisinEurope,butalsoinothercountriesoftheworld.EstateInvestments(EI):EImanagesrealestateandindustrialholdings.Althoughthisdivisionisratherinsignificant,thegroupwillnotwithdrawfromthissectorintheforeseeablefutureasitisofstrategicimportance.StrategyConcentrationonthecorebusiness:Sale:Euro-banksoldbranchofficesintheUSAwhichofferedserviceslikeclientadvisory,managementofbankaccountsandinvestments.Someoftheseserviceswerereplacedbyonlinebanking.NumerousadvisoryserviceswerehivedoffreleaseresourcesforthesectorofPBC.Restructuring:Costscouldbedecreasedbyrestructuringmeasuresorthedismissalofemployees.Thereturnonnetassetscouldbeincreasedbyarearrangementoftheriskassetsandasharebuyback.Acquisitions:Toprovideprivateclientswithamoreindividualadvisoryservices,Euro-BankacquiredtheEnglishprivatebankBestConsultwhichisleadinginthesectorandhasawiderangeofexperienceininvestmentsforprivateclients.PrinciplesCompanyprinciples:Alldivisionsandumbrellaorganizationsaswellasinvestmentadvisorsareobligedtocomplywiththeseprinciples.Theyinclude:Shareholder’sright:Theyincludetheacquisitionandfreesaleofshares,theexerciseofvotingrightswellastheparticipationinthecompany’sprofit.DutiesoftheBoardofDirectorandSupervisoryBoard:TheyareobligedtocomplywiththeinterestsofEuro-Bank.TheBoardofDirectorsdecidesonthestrategyofthecompanyandmustinformtheSupervisoryBoardaboutthesituationofthegrouponaregularbasis.WhentheBoardofDirectorsdecidesonthecompanystrategy,theSupervisoryBoardmustapproveit.Compensation:ThecompensationofthemembersoftheBoardofDirectorswillbedeterminedbytheSupervisoryBoardwhereastheBoardofDirectorsdecidesonthecompensationoftheseniormanagersofthegroup.Transparency:Isnotensurediffinancialreportsarenotprovidedinatimelymanner,atoptimumeveryfinancialquarter.