Espirito Santo Financial Group S.A. - Company Capsule

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					Espirito Santo Financial Group S.A.

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Espirito Santo Financial Group S.A. - Company
Capsule
Reference Code: FS0040CC
Published Date: April 2011




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Espirito Santo Financial Group S.A. - Company                                       Page 1
Capsule
Espirito Santo Financial Group S.A.

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Espirito Santo Financial Group S.A. - Company Overview

Espirito Santo Financial Group S.A. (ESFG) is a holding company for its group companies. Through its group companies,
the company is principally engaged in providing a wide range of financial products and services in Portugal and
internationally. Its financial products and services consist of commercial banking, insurance services, merchant banking,
stock brokerage and asset management services and health care services. In addition, the company also offers real
estate management, venture capital fund services and internet banking services. ESFG operates its business through a
network of offices in Portugal, France, Luxembourg, Angola, Cabo Verde, China, the US, the UAE, Spain, Macau, the UK,
Ireland, Switzerland, Panama and Brazil. ESFG is headquartered in Kirchberg, Luxembourg.


Financial Performance

The company reported interest income of EUR 3,949.6 million during the year ended December 31, 2009. The company's
interest income grew at a CAGR of 5.93% during the period 2007-2009 with an annual decline of 21.5% over fiscal year
2008. During the fiscal year 2009, its operating margin was 17.8% as against the operating margin of 9.76% in the fiscal
year 2008. During the fiscal year 2009, the company’s net profit margin was 4% as against the net profit margin of 1.5% in
the fiscal year 2008.




Espirito Santo Financial Group S.A. - Key Facts

Espirito Santo Financial Group S.A., Key Facts

                                  231, Val des Bons Malades,
                                                                    Ticker Symbol, Stock         ESTL (Luxembourg Stock
Corporate Address:                Kirchberg, , L-2121, Luxembourg Exchange                       Exchange)



Telephone                          + 352 212 6886840                No. of Employees             13,758



Fax                                + 352 212 8383393                Financial Year End           December



URL                               www.esfg.com                      Revenue (in EUR Million)     3,949.58



Industry                          Financial Services                Revenue (in USD Million)     5,485.53


                                  China, France, Ireland, Luxembourg, Portugal, Spain, Switzerland, United Kingdom, Angola, Cape
Locations                         Verde, United Arab Emirates, United States, Brazil, Cayman Islands, Panama

Source: Annual Report, Company Website, Primary and Secondary Research




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Espirito Santo Financial Group S.A. - Company Capsule                                                                   Page 2
Espirito Santo Financial Group S.A.

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Espirito Santo Financial Group S.A. - Major Products and Services

Espirito Santo Financial Group S.A is a holding company for its group companies. The company’s key products and
services include the following:

Espirito Santo Financial Group S.A., Major Products and Services
Products:

Insurance products

Credit cards

Services:

Commercial Banking:

Deposits

Loans

Leasing

Mortgage

Pension plans

Asset management services

Factoring

Trade finance

Other loans to individuals

Insurance:

Life insurance

Non life insurance

Investment Banking:

Advisory Services

Brokerage Services

Project Finance

Leveraged Finance

Private Equity Services

Asset Management and Private Banking services

Health Care services
Source: Annual Report, Company Website, Primary and Secondary Research




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Espirito Santo Financial Group S.A. - Company Capsule                                                        Page 3
Espirito Santo Financial Group S.A.

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Espirito Santo Financial Group S.A. - Key Competitors

The following companies are the major competitors of Espirito Santo Financial Group S.A.:

Insinger de Beaufort Holdings SA

Midilux Holdings SA

Banco Comercial Portugues SA

Caixa Geral de Depositos, SA

Dresdner Bank Luxembourg SA




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Espirito Santo Financial Group S.A.

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Espirito Santo Financial Group S.A. - Key Employees


Espirito Santo Financial Group S.A., Key Employees


            Name                               Job Title                       Board Level     Since   Age


Alexandre      da    Paixao
                                Director                                 Non Executive Board   2005    67
Coelho

Anibal da      Costa    Reis
                                Director                                 Non Executive Board   2001    74
Oliveira

Antonio Luis        Roquette
                                Director                                 Non Executive Board   1984    91
Ricciardi


Bernard Basecqz                 Director                                 Non Executive Board   2008    64


Carlos Augusto Machado
                       Director                                          Non Executive Board   2001    60
de Almeida Freitas


Erich Dahler                    Senior Vice President                    Senior Management


Fernando Pedro         Braga
                                Director                                 Non Executive Board   2005    63
Pereira Coutinho

                                Senior Vice President, Chief Financial
Filipe Worsdell                                                          Senior Management     2008
                                Officer

Gerard              Laffineur
                                Chief Executive Officer, Director        Executive Board       2008    48
Petracchini


Horacio Lisboa Afonso           Director                                 Non Executive Board   2007    61


Jackson Behr Gilbert            Director                                 Non Executive Board   1990    77


Jean-Luc Schneider              Senior Vice President                    Senior Management


Jose Carlos         Cardoso
                                Director                                 Non Executive Board   1986    60
Castella

Jose Manuel Pinheiro
                     Vice Chairman                                       Non Executive Board   1991    65
Espirito Santo Silva

Jose Maria Espirito Santo
                          Director                                       Non Executive Board   2001    55
Silva Ricciardi

Jose Pedro Torres Garcia
                         Director                                        Non Executive Board   2002    51
Caldeira da Silva


Juan Villalonga Navarro         Director                                 Non Executive Board   2001    56


Manuel Antonio Ribeiro
                       Director                                          Non Executive Board   2001    67
Serzedelo de Almeida
Manuel    Fernando de
Moniz Galvao Espirito Director                                           Non Executive Board   1995    52
Santo Silva

Manuel Guerrero Peman Director                                           Non Executive Board   2008    60


Mario    Mosqueira        do
                                Director                                 Non Exe
				
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