UBI Banca Group

7.2 Loans to customers: composition by debtors/issuers
Type o f trans actio n/Amo unts
31/12/2011 31/12/2010
Performing Deteriorated Performing Deteriorated
1. Debt instruments 208,076 1,000 51,118 1,000
a) Governments - - - -
b) Other public authorities 7,637 - 8,026 -
c) Other issuers 200,439 1,000 43,092 1,000
- non-financial companies 1,256 - 5,524 -
- financial companies 199,183 1,000 37,568 1,000
- ins urance co mpanies - - - -
- o ther - - - -
2. Financing to 93,201,810 6,278,884 96,502,582 5,260,129
a) Governments 180,989 - 91,716 1
b) Other public authorities 869,391 18,857 1,001,685 2,323
c) Other 92,151,430 6,260,027 95,409,181 5,257,805
- non-financial companies 52,452,519 4,506,570 55,995,639 3,958,314
- financial companies 4,418,276 94,053 4,981,460 68,283
- insurance companies 134,419 197 124,449 112
- o ther 35,146,216 1,659,207 34,307,633 1,231,096
Total 93,409,886 6,279,884 96,553,700 5,261,129
7.3 Loans to customers: assets subject to specific hedging
Type of transaction/Amounts 31/12/2011 31/12/2010
1. Loans subject to fair value specific hedge:
a) interest rate risk 640,551 370,600
c) currency risk - -
d) credit risk - -
e) multiple risks - -
2. Loans subject to cash flow specific hedge:
a) interest rate risk - -
b) currency risk - -
c) other - -
Total 640,551 370,600
7.4 Finance leases
Duration
deteriorated
exposures
minimum payments
quota of principal
of which secured
remaining amount
quota of interest
gross investment
of which
unsecured
remaining amount
on demand 83,293 341,649 - - - -
up to 3 months 10,597 274,581 14,634 78,243 352,824
between 3 months and 1 year 29,746 772,030 50,294 219,315 991,345
from 1 year to 5 years 129,418 2,634,726 261,331 839,489 3,474,215
more than 5 years 279,447 3,701,878 832,828 871,521 4,573,399
indeterminate maturity 405,070 224,079 - - 224,079 -
total 937,571 7,948,943 1,159,087 2,008,568 9,615,862 -
Net loans to customers for finance leases, net of intercompany eliminations, totalled
€8,886,514 thousand of which €937,571 thousand were “deteriorated assets” and €143,394
thousand “assets transferred not derecognised”.
The lending portfolio for the finance leases of UBI leasing consisted of 73,971 contracts,
composed as follows:
- 71 % property sector;
- 14 % machinery and equipment sector;
- 7 % energy sector;
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