Epstein Secrets

ier 1 capital of €728m resulting in a Core Tier 1 ratio of around 16.6% for 2012E • Capitalization based on IFRS and already fully conform with new Basel III requirements • No significant credit or market risk and very low leverage • Conservative loan book with no legacy loans • Very limited relian

industry experience and has held CEO and other Executive Board positions at various premier institutions • Mr. Fischer serves as CEO and member of the Board of Directors of RHJI and Kleinwort Benson Group • Prior to joining RHJI in 2007, Mr. Fischer was CEO of Winterthur Group from 2003 to 2006, an insurance subsidia

g statements relate to, among others: the impact of the issuance of the Series F Preferred Stock and the use of proceeds therefrom on the Company's Basel III capital components and capital ratios: the existence or development of a trading market for the depositary shares; the price at which the depos

if applicable, the records of the Depositary referred to below under "Description of Depositary Shares") on such record dates as shall be fixed by the Board of Directors. Dividends on any series of Preferred Stock may be cumulative or non- cumulative. The Company's ability to pay dividends on its Preferred Stock is s

r executive positions with Quantanova and Scotia Holdings, plc. Prior to that, Dr. Dow was head of Global Drug Development with Hoffman-La Roche in Basel, Switzerland and previously was with Syntex Corporation for over 10 years in various senior positions in drug development. Dr. Dow holds a B.Sc. in

president of the American Society for Microbiology. He is currently a member of the National Science Advisory Board for Biosecurity, and a member of the Board of Directors of CV Therapeutics, and Merck and Company. Robert Dow, BSc MBChB FRCP (Edln) Dr. Dow's current position is as Vice President of Strategic Product

r executive positions with Quantanova and Scotia Holdings, plc. Prior to that, Dr. Dow was head of Global Drug Development with Hoffman-La Roche in Basel, Switzerland and previously was with Syntex Corporation for over 10 years in various senior positions in drug development. Dr. Dow holds a B.Sc. in

president of the American Society for Microbiology. He is currently a member of the National Science Advisory Board for Biosecurity, and a member of the Board of Directors of CV Therapeutics, and Merck and Company. Robert Dow, BSc MBChB FRCP (Edin) Dr. Dow's current position is as Vice President of Strategic Product

r executive positions with Quantanova and Scotia Holdings, plc. Prior to that, Dr. Dow was head of Global Drug Development with Hoffman-La Roche in Basel, Switzerland and previously was with Syntex Corporation for over 10 years in various senior positions in drug development. Dr. Dow holds a B.Sc. in

president of the American Society for Microbiology. He is currently a member of the National Science Advisory Board for Biosecurity, and a member of the Board of Directors of CV Therapeutics, and Merck and Company. Robert Dow, BSc MBChB FRCP (Edin) Dr. Dow's current position is as Vice President of Strategic Product

Africa, India and South Asia Managing Director Chairman Executive Director President of Azerbaijan Chairman and Chief Executive Officer Chair of the Board of Directors Chief Executive Officer Founder and Chief Executive Officer Chairman Vice-President and Commissioner, Competition, European Commission, Brussels

ecutive Chief Marketing, Strategy and Communication Officer and Executive Vice-President General Manager, Bank for International Settlements (BIS), Basel Vice-President International News and Programming Chief Executive Officer and Founder Chief Executive Officer Chief Executive Officer Chief Execut