UBI Banca Group

Details of the geographical distribution of lending in
Italy are given in the table “geographical distribution of
loans to customers by region of location of the branch”.
The total share of loans to northern regions amounted
to 82.8% of the total, (of which 79.1% to the North-
West), slightly less than twelve months before, while
that granted to central regions was 9.5%. The
remaining 7.7% was destined to southern regions.
Concentration of risk
(largest customers or groups as a percentage of total loans and guarantees )
Customers or
Groups
31.12.2011 30.9.2011 30.6.2011 31.3.2011 31.12.2010
Largest 10 3.5% 3.9% 4.0% 4.1% 4.1%
Largest 20 5.6% 6.4% 6.5% 6.7% 6.8%
Largest 30 7.1% 8.0% 8.2% 8.5% 8.5%
Largest 40 8.2% 9.1% 9.3% 9.5% 9.6%
Largest 50 9.1% 10.1% 10.3% 10.4% 10.5%
From the viewpoint of the concentration, a significant
and generalised improvement was recorded with
respect to all the comparative periods, which increased
in the last quarter in particular, partly in relation to the
action already mentioned which was taken.
Geographical distribution of loans to customers
by region of location of the branch (*)
Percentage of total 31.12.2011 31.12.2010
Lombardy 69.59% 70.37%
Piedmont 6.63% 6.39%
Latium 4.81% 4.62%
Marches 3.84% 3.84%
Liguria 2.91% 2.82%
Campania 2.30% 2.17%
Apulia 2.14% 2.07%
Emilia Romagna 1.98% 1.97%
Calabria 1.92% 1.82%
Veneto 1.45% 1.59%
Umbria 0.68% 0.64%
Abruzzo 0.62% 0.61%
Basilicata 0.43% 0.40%
Friuli Venezia Giulia 0.25% 0.24%
Molise 0.23% 0.24%
Tuscany 0.20% 0.20%
Valle d'Aosta 0.02% 0.01%
Trentino Alto Adige 0.00% 0.00%
Sardinia - 0.00%
Total 100.00% 100.00%
North 82.8% 83.4%
- North West 79.1% 79.6%
- North East 3.7% 3.8%
Central Italy 9.5% 9.3%
South 7.7% 7.3%
(*) The aggregates relate to banks only.
As concerns “large exposures” on the other hand, according to the new regulations introduced
in December 2010 by the Bank of Italy, these are now measured on the basis of the nominal
value, instead of the amount weighted for counterparty risk.
Consequently, at the end of 2011, the Group had three positions which exceeded 10% of the
supervisory capital (five at the end of 2010) for a total €15.4 billion, generally down compared
to both €22.2 billion twelve months before and to all the other comparative periods:
• €7.8 billion to the Ministry of the Treasury, mainly in relation to investments in government
securities by the Parent (€8.3 billion twelve months before);
• €6 billion with the CCG, relating to all the operations by the Parent (€10.2 billion at the end
of 2010);
• €1.6 billion attributable to different types of transactions outstanding with a major banking
group (only one banking Group was reported at the end of 2010, not the same as that
reported here, for an exposure of €1.4 billion).
Exposures of €2.3 billion had also been reported in December 2010 consisting of authorised
credit to two major corporate counterparties, as part of ordinary lending business with
customers.
In consideration of the reduction in the number of counterparties reported with respect to the
comparative periods and the
Large exposures
application of a zero weighting
factor for transactions with
31.12.2011 30.9.2011 30.6.2011 31.3.2011 31.12.2010
Figures in thousands of euro
the government, the only two
actual risk positions for the Number of positions 3 5 5 6 5
Exposure 15,388,367 20,595,725 22,775,787 25,270,584 22,164,767
UBI Group existed after
Positions at risk 1,127,147 2,460,896 4,486,718 4,668,018 1,782,442
weightings, down significantly
to €1.1 billion from €1.8 billion in 2010.
The percentage of consolidated supervisory capital is well below the limit of 25% set for
banking groups for each of the exposures reported.
At the end of the year guarantees granted by the UBI Group totalled €7.3 billion, an increase
of 20% compared to €6.1 billion in December 2010.
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