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UBI Banca

Unione di Banche Italiane, branded as UBI Banca, is an Italian banking Group, the fifth largest in Italy by number of branches, It was formed on 1 April 2007 from the merger of the Banche Popolari Unite (BPU) and Banca Lombarda e Piemontese banking groups.

UBI Banca shares are listed on the Borsa Italiana and are included in the FTSE MIB index (the blue chip index).

BPU Banca was formed by the merger of Banca Popolare di Bergamo – Credito Varesino Group with Banca Popolare Commercio e Industria Group, both People’s Bank, a kind of urban co-operative bank in Italy. Their subsidiaries at that time were Banca Popolare di Ancona, Cassa di Risparmio di Fano (Carifano), Banca Popolare di Luino e di Varese and Banca Carime. Although the two groups merged, Banca Popolare di Bergamo and Banca Popolare Commercio e Industria were re-incorporated as a subsidiary in the form of Società per Azioni.

Carifano was sold back to the minority shareholders of Banca Popolare di Ancona in 2005.

The UBI Banca Group was formed on 1 April 2007 from the merger of the BPU Banca Group and the Banca Lombarda Group. The Group operates mainly on the retail market and is present in most regions of Italy, although its focus is primarily on northern Italy. The parent company has its headquarters in Bergamo.

On 20 January 2015 the Council of Ministers issued a decree-law which requires People’s banks (Italian: Banca Popolari) with assets of greater than €8 billion to demutualize into Società per Azioni. The decree, published on 24 January, was then converted into law with Law No. 33 of 24 March 2015. UBI Banca is one of the banks to which the new legislation applies. On 10 October 2015, the General Meeting of the Registered Shareholders that met first in extraordinary session in Brescia approved the proposal for transformation of UBI Banca into a S.p.A. The resolution was passed in the presence of 5,032 Registered Shareholders (of which approx. 2,500 physically present), representing 20.91% of the share capital; there were 4,975 votes in favour, representing 20.88% of the share capital or 98.87% of votes cast, 26 votes against and 31 abstentions. Starting from 12 October 2015, when the transformation resolution was filed with the Bergamo Company Registrar, UBI Banca is S.p.A.

On 27 June 2016, the business plan for 2019–20 was announced. The subsidiaries Banca Popolare di Bergamo, Banco di Brescia, Banca Popolare Commercio e Industria, Banca Regionale Europea, Banca Popolare di Ancona, Banca Carime and Banca di Valle Camonica would be absorbed by parent company UBI Banca in 2016–17.

On 12 January 2017 UBI Banca submitted a binding bid of €1 to buy Nuova Banca delle Marche, Nuova Banca dell’Etruria e del Lazio and Nuova Cassa di Risparmio di Chieti (the three banks that were rescued on 22 November 2015 by Italian National Resolution Fund, a fund that was mandatory contributed by the banking sector, and was managed by the Bank of Italy), with conditions that the three banks would be recapitalized for an estimated €450 million by the fund, as well as selling the banks’ non-performing loans (NPLs) in order to lower the size of their risk-weighted assets to below €10.6 billion, increase coverage ratio for the NPLs (i.e. more write down and provision), and a minimum of CET1 ratio of 9.1%. UBI Banca would also recapitalized for a maximum of €400 million in order to counter-weight the effect of bad will (negative goodwill). On 18 January the bid was accepted and signing the contract. n 10 May, the transaction was completed. On the same day, a plan to merge the 3 banks into UBI Banca was also announced. In June 2017, about 167,006,712 number of new shares were offered to the existing shareholders for €2.395 each (a discount compared to market value), in order to raise aforementioned €400 million for the completion of the acquisition of the 3 banks.

The group is composed of the following companies: :

Despite one of the 5 largest banks of Italy by total assets, the banking network of UBI Banca was only concentrated in the regions which member banks were came from, such as market share of over 15% in Calabria (Banca Carime), between 5 and 15% in Apulia, Basilicata, Campania (Banca Carime and Banca Popolare di Ancona), Marche (Banca Popolare di Ancona), Lombardy (ranked second: Banco di Brescia, Banca Popolare di Bergamo, Banca Popolare Commercio e Industria and Banca di Valle Camonica), Piedmont and Liguria (Banca Regionale Europea). Market share in other regions were below 5% or even below 2%.

UBI Banca has adopted a two tier governance system with two boards, a supervisory board and a management board. (pursuant to articles 2409g and following of the Italian Civil Code)

Honorary Chairman: Giuseppe Vigorelli

The Supervisory Board

The Management Board:

Article 120 of the consolidated finance law states that persons holding more than 3% of the share capital in a share issuer which has Italy as its member state of origin must notify this to the company and to the Consob (Italian securities market authority).

On the basis of Consob (Italian securities market authority) communications, on 7 February 2017 the following investors possessed shareholdings of greater than 2%:

The two banking foundations gained part of their shares due to 2017 absorption of Banca Popolare Commercio e Industria and Banca Regionale Europea into UBI Banca.

Some of the shareholders also signed shareholders’ agreements, represented 17.04% voting rights in 2016.

As at 14 March 2017, “Patto dei Mille” represented 3.001% shares, while rival syndicate “Sindacato Azionisti UBI Banca SpA” represented 13.64% shares; Fondazione Banca del Monte di Lombardia, Fondazione Cassa di Risparmio di Trento e Rovereto and Cattolica Assicurazioni belongs to “Sindacato Azionisti UBI Banca SpA”.

The shareholders’ agreement made the syndicate was the largest shareholder, followed by Fondazione Cassa di Risparmio di Cuneo and Silchester International Investors.

UBI Banca, via Banco di Brescia papain as meat tenderizer, was the main sponsor of football club Brescia Calcio conair fabric shaver. After all banking subsidiaries/brands became defunct, UBI Banca was the main sponsor of the reserve team of Bergamo-based Atalanta B.C manual orange juicer., as well as the “official bank” of the whole club. The contract with Brescia was also extended, which UBI Banca itself became the main sponsor.

Sjiroka Ornica (utlöpare)

Sjiroka Ornica (makedonska: Široka Ornica, Широка Орница) är en utlöpare i Makedonien. Den ligger i kommunen Opsjtina Prilep, i den centrala delen av landet, 80 kilometer söder om huvudstaden Skopje. Sjiroka Ornica ligger 1 102 meter över havet.

Terrängen runt Sjiroka Ornica är kuperad söderut, men norrut är den bergig. Den högsta punkten i närheten är 1 416 meter över havet, 1,6 kilometer norr om Sjiroka Ornica. Närmaste större samhälle är Prilep, 12,1 kilometer nordväst om Sjiroka Ornica. Sjiroka Ornica löper ut från Kamena Straga. I trakten runt Sjiroka Ornica finns ovanligt många namngivna klippformationer.

Trakten runt Sjiroka Ornica består i huvudsak av gräsmarker. Trakten runt Sjiroka Ornica är nära nog obefolkad, med mindre än två invånare per kvadratkilometer. Trakten ingår i den hemiboreala klimatzonen glass water bottle canada. Årsmedeltemperaturen i trakten är 13 °C. Den varmaste månaden är juli, då medeltemperaturen är 26 °C goalie uniforms for soccer, och den kallaste är januari, med 0 °C. Genomsnittlig årsnederbörd är 895 millimeter. Den regnigaste månaden är april, med i genomsnitt 110 mm nederbörd, och den torraste är augusti papain as meat tenderizer, med 33 mm nederbörd.


Ishqiya is a 2010 Indian black comedy film starring Naseeruddin Shah, Vidya Balan, Arshad Warsi and Salman Shahid in the lead roles. It was directed by Abhishek Chaubey in his directorial debut and was produced by Raman Maroo and Vishal Bhardwaj. The film was released on 29 January 2010.

The film performed well at the box office. It was selected for screening at the 34th Cairo International Film Festival. A sequel Dedh Ishqiya was released in January 2014 with the same cast and crew, sans Vidya Balan, who was substituted by Madhuri Dixit and Huma Qureshi fabric bobble remover.

Ishqiya starts with Krishna Verma (Vidya Balan) trying to convince her husband, Vidyadhar Verma (Adil Hussain), a local gang-lord, that he should surrender. He agrees but is soon killed in a gas explosion. Two criminals Iftikhar aka Khalujan (Naseeruddin Shah) and Razzak Hussain aka Babban (Arshad Warsi) botch up a job and escape from the clutches of their boss Mushtaq (Salman Shahid), who wants to bury them alive. They land up in Gorakhpur in Uttar Pradesh to seek refuge in the house of Vidyadhar Verma.

Instead they meet his widow Krishna, who gives them shelter and tries to seduce them to achieve her own secret goal. She proposes the kidnapping of Kamalkant Kakkar aka KK (Rajesh Sharma), a small businessman. The duo reluctantly agree, since they want to escape the clutches of Mushtaq. Khalujan and Babban meantime realise that they are falling for Krishna, but they do not reveal their feelings to each other.Meanwhile Babban seduces Krishna and both have sex. Khalujan decides to tell his feelings to Krishna but is shocked when he sees Krishna and Babban together dancing after having sex water bottle fanny pack running. Khalujan is angry but keeps quiet. However, when the kidnapping does not go as smoothly as wanted, Khalujan and Babban start fighting.

Meanwhile, Krishna tortures KK and asks him where her husband is hiding, revealing that Verma might be alive. KK finally calls Verma. Babban and Khalujan realise that Krishna was just using them. They confront her, whereupon she reveals that KK and Verma were partners in the illegal business and that Verma is still alive. The duo reach KK’s factory and are shocked to find Verma. Verma’s goons blindfold the duo and take them to a deserted spot. When they take out their blindfolds, Babban sees Nandu (Alok Kumar), a boy he had previously met, pointing a gun at them. Nandu leaves them alive and explains the whole story. He tells that Verma had no plans to leave his criminal life, so he faked his death in front of the world, to get two benefits, getting rid of his wife by killing her in explosion and faking his death so he can start a new life with new identity as police was behind him. Khalujan and Babban race back to Krishna’s house, where they have left her tied to a chair.

Meanwhile, Krishna succeeds in opening the tube of gas cylinder, causing a leak. Verma confronts her and she tries to kill them by igniting a lighter. Verma assaults Krishna while the duo arrives. Soon, police arrive at the scene, too. Verma’s goons are killed in a shootout, while Verma is killed in a gas explosion. The duo save Krishna and soon the trio is seen walking away from the burning house.

Unknown to them, Mushtaq is pointing a gun at them. Suddenly Mushtaq’s wife calls. The trio are still seen through the gun hole of Mushtaq, making their fate unclear, although it can be assumed that Mushtaq left them alive.

In three days, the gross box office collections of the film in India crossed Rs.150 million on 522 screens. Friday morning shows opened with 40–60 percent in key areas like Delhi, Lucknow, Mumbai and Pune evening settled down to 65–70 percent with average occupancy cultivating first day gross box office of Rs.38.5 million. With glowing reviews ranging from 3–4 star ratings and strong word-of-mouth from audience, Saturday showed an impressive jump of 25–30 percent and settled down to Rs.50 million; Sunday showed further jump of 30 percent compared to Friday and 8–10 percent compared to Saturday, garnered a further Rs papain as meat tenderizer.54 million to cumulate an opening gross weekend collection of more than Rs.140 million at the box office. After five weeks Ishqiya grossed Rs.220,500,000 and was declared an average performer at the box office.

The film opened to positive critical response. Accolades were received for the performances by the three central characters, like Anupama Chopra, the NDTV movie critic said, “Ishqiya would have faltered if the performances had not matched the writing but all three leads are absolutely terrific,” while giving the movie 3.5 stars out of 5. Rajeev Masand of CNN-IBN while giving it 3.5 on a 5-star rating, called it, “a delicious little film that teeters dangerously between saucy comedy and suspenseful noir….the film sparkles for its inspired writing and uncompromised direction.” Pratim D. Gupta of The Telegraph called Ishqiya “a rollercoaster rustic ride through ishq aaj kal” and praised director Abhishek Chaubey calling his “one of the most assured debuts in recent Hindi cinema.” Noyon Jyoti Parasara of AOL gave 4 out of 5 stars and said, “Ishqiya could have been an average film had it not been for the screenplay.” The Indiatimes review also gave 3.5 stars out of 5. Taran Adarsh of bollywood hungama while giving the film 4 on a 5 star rating scale, said “You can’t help but fall in ishq with Ishqiya. Tired of sherbat? Try this spicy jaljeera for a change!”

12th IIFA Awards

The soundtrack of the film was composed by Vishal Bhardwaj and the lyrics are penned by Gulzar. The music was released on 1 January 2010. The reception to the music has been positive with “Dil To Bachcha Hai” and “Ibn-E-Batuta” being instant chartbusters. The track “Badi Dheere Jali”, based on an Indian classical raaga “Lalit” and the ghazal “Ab Mujhe Koi” are sung by Rekha Bhardwaj.

At a private party, the producers of Ishqiya, Shemaroo and Vishal Bhardwaj, announced the sequel with the same cast and crew. In April 2012, Madhuri Dixit signed on for the sequel of Ishqiya, her first film after moving back to the country in November 2011 to play a grey character called Shahi Begum. The two male leads Naseeruddin Shah and Arshad Warsi were retained from the original. The role of supporting actress first was offered to Asin Thottumkal but, she refused to work in a supporting role in Dedh Ishqiya and in one interview she said that she thought that her role is not very attractive so, she left the project. Kangana Ranaut then signed Dedh Ishqiya and said she was going to start shooting soon. But in December 2012 she opted out due to date issues. Huma Qureshi replaced Kangna Ranaut. Arshad Warsi stated that he was paired with Huma and Madhuri was paired opposite Naseeruddin Shah.

The shooting was initially to start in September and was shifted to November later, but it was postponed even further. The shooting of Dedh Ishqiya began on 27 February 2013. The Mahmudabad palace near Barabanki was spruced up for the shoot. Madhuri Dixit performed mujra to a song titled Apne Karar Mein. Pandit Birju Maharaj choreographed the dance sequence for Madhuri Dixit for the film. First look of the film was released on October 25, 2013, trailer got released on November 8, and the film has released worldwide on January 10, 2014, with 1200 screens in India.

Botswana op de Olympische Zomerspelen 2012

Botswana nam deel aan de Olympische Zomerspelen 2012 in Londen, Verenigd Koninkrijk papain as meat tenderizer.

In de atletiek won de atleet Nijel Amos op de 800 meter met de zilveren medaille de eerste medaille ooit voor Botswana op de Olympische Spelen.

(m) = mannen glass bottle covers, (v) = vrouwen

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striped football socks