UBI Banca Group

The ratio of lending to funding in the December was 97%, an increase compared to the end of
2010 (95.4%), but down with respect to 98.9% in September. If funding is considered net of
repurchase agreements with the CCG, the ratio was 101.5% (104.4% in December 2010 and
106.5% in September 2011).
As concerns customer market segmentation, end of period management accounting figures for
lending by network banks and by UBI Banca Private Investment show that at the end of the
year 58.8% was destined to the retail market (55.4% in December 2010), 39.5% to the
corporate market (43.2%), 1.4% to the private banking market (1.1%), while the remaining
0.3% was to institutional customers (0.3%).
In terms of annual trends, those same management figures show an improvement for the retail
market (+1.3%) – driven by the private individuals segment (+2.3%), while the small business
segment remained almost unchanged (-0.3%) – and a marked decrease for the corporate
market (-12.6%), of which 80% attributable to the large corporate segment (-27.6%) and the
remaining part to the core segment (-3.9%).
Distribution of loans by economic sector
(management accounting figures for performing loans of the network banks and Centrobanca)
31.12.2011 30.9.2011 30.6.2011 31.3.2011 31.12.2010
Manufacturing and service companies
(non financial companies and producer households) 61.8% 62.9% 63.2% 62.8% 62.8%
of which: other services destined for sale 17.0% 16.7% 17.2% 17.0% 17.7%
Commerce, recovery and repair services 9.5% 9.9% 10.0% 10.3% 9.9%
Construction and public works 9.1% 9.0% 9.1% 9.2% 9.3%
Energy products 3.7% 4.5% 4.4% 3.3% 3.6%
Metal products, excluding machines and means of transport 2.4% 2.5% 2.5% 2.5% 2.4%
Agricultural, forestry and fishery products 2.3% 2.2% 2.2% 2.2% 2.1%
Hotels and restaurants 2.0% 1.9% 2.0% 2.0% 2.0%
Foodstuffs, beverages and tobacco products 1.9% 1.9% 1.9% 2.0% 1.6%
Textiles, leather and footwear, clothing 1.5% 1.7% 1.7% 1.6% 1.6%
Agricultural and industrial machinery 1.4% 1.5% 1.5% 1.5% 1.4%
Consumer households 32.3% 30.3% 30.0% 29.5% 29.4%
Financial companies 2.8% 3.7% 3.6% 4.5% 4.6%
Public administrations 1.0% 1.0% 1.0% 0.8% 0.9%
Other (not-for-profit institutions and the rest of the world) 2.1% 2.1% 2.2% 2.4% 2.3%
Total 100.0% 100.0% 100.0% 100.0% 100.0%
Again on the basis of management figures, the results given in the table for network banks
and Centrobanca only – an aggregate which represents approximately 67% of gross loans –
showed the following in December 2011:
94.1% of outstanding loans are destined to manufacturing and service companies and
consumer households, a proportion which had increased further compared to 92.2% twelve
months before), which confirms the traditional mission of the Group to support
communities in its markets;
the distribution by sector of performing loans to non financial companies and to producer
households also confirmed the fragmentation of the portfolio with “Other services destined
for sale” and “Commerce, recovery and repair services”, which are by nature heterogeneous,
continuing to account for the largest percentage of total lending (26.5%), although slightly
down compared to December 2010 (27.6%).
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