UBI Banca Group

Loans to customers: changes in deteriorated gross exposures in 2011
Figures in thousands of euro
Non-performing
loans
Impaired loans
Restructured
exposures
Past due
exposures
Opening gross exposure as at 1st January 2011 3,780,973 2,320,471 889,070 474,548
Increases 1,491,771 2,172,222 250,048 785,998
transfers from performing exposures 415,216 1,612,768 33,930 759,222
transfers from other classes of deteriorated exposures 873,878 387,217 136,218 3,244
other increases 202,677 172,237 79,900 23,532
Decreases -895,419 -1,648,526 -205,332 -826,408
transfers into performing exposures -37,316 -353,276 -1 -239,867
full impairment losses -328,588 -2,003 -2,963 -1
payments received -315,552 -368,314 -178,198 -57,097
disposals -174,581 - - -
transfers to other classes of deteriorated exposure -3,482 -897,419 -18,616 -481,040
other decreases -35,900 -27,514 -5,554 -48,403
Final gross exposure as at 31st December 2011 4,377,325 2,844,167 933,786 434,138
Loans to customers: changes in deteriorated gross exposures in 2010
Figures in thousands of euro
Non-performing
loans
Impaired loans
Restructured
exposures
Past due
exposures
Opening gross exposure as at 1st January 2010 2,751,588 2,208,369 479,520 934,119
Increases 1,649,454 2,484,776 1,046,418 1,811,969
transfers from performing exposures 422,669 1,258,375 181,571 1,617,752
transfers from other classes of deteriorated exposures 1,114,275 780,327 372,139 30,112
other increases 112,510 446,074 492,708 164,105
Decreases -620,069 -2,372,674 -636,868 -2,271,540
transfers into performing exposures -1,606 -294,429 -28,558 -1,228,549
full impairment losses -285,864 -83 -1,521 -
payments received -227,721 -287,673 -505,955 -53,547
disposals -29,486 - - -
transfers to other classes of deteriorated exposure -3,013 -1,379,429 -31,859 -882,552
other decreases -72,379 -411,060 -68,975 -106,892
Final gross exposure as at 31st December 2010 3,780,973 2,320,471 889,070 474,548
RESTRUCTURED LOANS
Reflecting a performance similar to that of impaired loans, although less marked, gross
restructured loans increased year-on-year, but fell in the fourth quarter.
Over twelve months, the total rose from €889.1 million to €933.8 million, up by €44.7 million
(+5%), of which +€8.6 million attributable to the first quarter, +€19.1 million to the second
quarter, +€32.9 million to the third and -€15.9 million to the fourth.
Over 80% of the year-on-year change was attributable to UBI Leasing and the network banks
(although with differing performance within the item) and it benefited, with respect to the
previous year, from fewer new classifications from performing loans and fewer transfers from
other categories of deteriorated exposures.
Coverage of 10% had increased by over three percentage points compared to 6.8% at the end
of 2010.
EXPOSURES PAST DUE AND/OR IN ARREARS
Gross exposures past due and in arrears performed in the opposite direction to other categories
of deteriorated loans, reducing overall from €474.5 million to €434.1 million, benefiting from
action taken for the qualitative management of single items, which had the effect of halving
new classifications from performing loans compared to the previous year.
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