UBI Banca Group

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B.2 Banking group – Geographical distribution of on- and off-balance sheet exposures to customers (carrying amount) ITALY OTHER EUROPEAN COUNTRIES AMERICA ASIA REST OF THE WORLD Exposures/Geographical areas Net exposure Total impairment losses Net exposure Total impairment losses Net exposure Total impairment losses Net exposure Total impairment losses Net exposure Total impairment losses A. On-balance sheet exposure A.1 Non performing loans 2,472,545 (2,153,571) 5,805 (17,924) 2,302 (11,085) - (4,532) 181 (953) A.2 Impaired loans 2,487,628 (298,805) 43,217 (12,705) 53 (19) - - 3,531 (123) A.3 Restructured exposures 824,972 (91,230) 15,623 (1,843) 46 - - - 40 (22) A.4 Past due exposures 423,306 (10,152) 700 - - - - - - - A.5 Other exposures 98,313,389 (528,736) 3,107,134 (11,807) 569,1 93 (1,055) 7,769 (9) 194,281 (31) TOTAL 104,521,840 (3,082,494) 3,172,479 (44,279) 571,594 (12,159) 7,769 (4,541) 198,033 (1,129) B. Off-balance sheet exposures B.1 Non performing loans 36,413 (9,172) - - - - - - - - B.2 Impaired loans 83,575 (5,310) - - - - - - - - B.3 Other deteriorated assets 64,858 (4,787) 1,179 (3) - - - - - - B.4 Other exposures 14,113,728 (43,944) 557,208 (637) 162,642 (73) 8,039 - 18,189 - TOTAL 14,298,574 (63,213) 558,387 (640) 162,642 (73) 8,039 - 18,189 - 31/12/2011 118,820,414 (3,145,707) 3,730,866 (44,919) 734,236 (12,232) 15,808 (4,541) 216,222 (1,129) 31/12/2010 123,996,064 (2,991,449) 4,052,591 (39,051) 763,641 (17,036) 31,153 (4,349) 222,042 (2,707) 393
B.3 Banking group – Geographical distribution of on- and off-balance sheet exposures to banks (carrying amount) ITALY OTHER EUROPEAN COUNTRIES AMERICA ASIA REST OF THE WORLD Exposures/Geographical areas Net exposure Total impairme nt losses Net exposure Total impairment losses Net exposure Total impairment losse s Net exposure Total impairment losse s Net exposure Total impairment losses A. On-balance sheet exposure A.1 Non p erforming loans 20 (2) 4 7 (110) - - - - - - A.2 Impaired loans - - - - - - - - - - A.3 Restructured exposures - - - - - - - - - - A.4 Past due exposures - - - - - - - - - - A.5 Other exposures 3,474,051 (149) 3,097,18 9 - 309,678 - 15,766 - 197,712 - TOTAL 3,474,071 (151) 3,097,236 (110) 309,678 - 15,766 - 197,712 - B. Off-balance sheet exposures B.1 Non performing loans - - - - - - - - - - B.2 Impaired loans - - - - 49 - - - - - B.3 Other deteriorated assets - - - - - - - - - - B.4 Other exposures 1,197,882 (9) 1,274,86 7 (330) 106,303 (20) 46,274 (213) 18,588 (80) TOTAL 1,197,882 (9) 1,274,867 (330) 106,352 (20) 46,274 (213) 18,588 (80) 31/12/2011 4,671,953 (160) 4,372,103 (440) 416,030 (20) 62,040 (213) 216,300 (80) 31/12/2010 2,571,094 (33) 2,006,265 (299) 221,948 (7) 103,913 (235) 173,762 (104) B.4 Large exposures 31/12/2011 Number of positions 3 Exposure 15,388,367 Risk p ositions 1,127,147 394
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Joint stock co-operative company Re
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▪ Principal risks and uncertainti
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REPORT ON CORPORATE GOVERNANCE AND
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A low risk profile The Group has no
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UBI Banca: company officers Honorar
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UBI Banca Group: the main investmen
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The rating As the sovereign debt cr
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Notice of call 1 An Ordinary Genera
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The macroeconomic scenario In a gen
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Monetary policy action taken by the
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imports (+24.9%) than in exports (+
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permanently balance public accounts
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In the light of the very serious cr
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total of the variable component of
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The “hour glass” shaped distrib
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dynamic use of credit recovery serv
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The contribution of the outstanding
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4 th -7 th July 2011 (offer period
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Action undertaken on the branch net
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Disposal of UBI Pramerica SGR opera
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Finally, the UBI Banca Group increa
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• the “Italian Banking Associat
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- the global financial crisis, whic
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As a result of new loan disbursemen
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Again with regard to financial educ
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As concerns the Foreign-Commercial
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This dialogue with customers is not
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The distribution network and positi
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The Italian distribution network of
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Remote channels Market coverage by
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• private individual customers ca
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Human resources The composition of
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The percentage of part-time employe
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Personnel management policies and i
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• the implementation of the “Va
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editions were published in 2011). A
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15. Barberini Sa (100% controlled)
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Companies consolidated using the eq
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- 22 nd February 2011: UBI Banca de
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total price of €77 million. Conse
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Reclassified consolidated financial
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Reclassified consolidated income st
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Reclassified consolidated income st
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Notes to the reclassified consolida
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marked improvement compared to €8
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elation to higher volumes of busine
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equity investments (including PerMi
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(+0.9%). The changes summarise the
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Brescia and €116.3 million of imp
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- the partial non deductibility of
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The comments that follow are based
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Total funding Total group funding,
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On the other hand, while significan
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In detail, institutional funding wa
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The public tender offer to purchase
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As concerns mutual investment funds
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General banking business with custo
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The ratio of lending to funding in
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The change recorded was caused by a
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unsecured non-performing loans (€
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Loans to customers: changes in dete
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The interbank market and the liquid
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Loans to banks: composition Changes
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The collateral pool also benefited
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Financial assets The year 2011 was
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- the Centrobanca corporate bond po
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Financial instruments held for trad
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Financial liabilities held for trad
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As concerns, on the other hand, por
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Exposures to some types of products
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SPE underlying assets Figures in mi
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The table below summarises on- and
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OTC interest rate derivatives: deta
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OTC derivatives: first five counter
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Fair value reserves of available-fo
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illion) and on the other hand for t
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The system of internal control The
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from the scope of the regulations f
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Consolidated companies: the princip
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Direct funding from customers Figur
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The performance of the main consoli
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exposures secured by real estate pr
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million) and other services (+€5.
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BANCA POPOLARE COMMERCIO E INDUSTRI
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accounts and deposits and term depo
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- net interest income reached €16
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BANCA POPOLARE DI ANCONA SPA Figure
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under management, which fell overal
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million) and the repurchase of own
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CENTROBANCA SPA Figures in thousand
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principally to new classifications
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- the net result for financial acti
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IW BANK SPA Figures in thousands of
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overdrafts, while the remaining €
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y the “Company restructuring prog
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UBI PRAMERICA SGR SPA Figures in th
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UBI FACTOR SPA Figures in thousands
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impaired loans - attributable mainl
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managers of Banca Popolare Commerci
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Development Decree - Decree Law No.
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‐ the tax treatment of provisions
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a different criterion is used to ca
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Further details of tax inspections
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In 2011, UBI Banca obtained visibil
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meetings with representatives of bo
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Legislation on the protection of pe
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• risks defined as measurable, fo
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uncertainty surrounding the outcome
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Compliance of corporate health and
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STATEMENT OF THE CHIEF EXECUTIVE OF
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Certification of the consolidated f
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Independent auditors’ report 226
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228
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Consolidated Balance Sheet
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Consolidated Income Statement figur
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Statement of changes in consolidate
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Consolidated Statement of Cash Flow
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PART A - Accounting policies A.1 -
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Accounting policies The accounting
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The income statement of the investo
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39. UBI Finance Srl Milan euro 10,0
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▪ ▪ ▪ 14 th March 2012: the U
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consequent absence of taxable incom
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List of the main IFRS standards end
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Reg. 1126/2008, SIC 7 Introduction
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1.2. Definition of financial assets
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performance by stock markets rather
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3.4 Derecognition criteria Held-to-
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original loan contract, or in the p
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The methods used for measurement of
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6.3 Measurement criteria Investment
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individual renewals, or if the asse
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An intangible asset is recognised i
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(a) within asset item 120 of the ba
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10.1. Current tax assets and liabil
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might affect the amount required to
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14.3.2 Post-employment benefits and
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Interest is recognised on an accrua
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Level 2 Where no prices are availab
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A.3.2.1 Accounting portfolios: dist
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2.2 Financial assets held for tradi
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3.3. Financial assets at fair value
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4.4 Available-for-sale financial as
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6.2 Loans to banks: assets subject
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- 5 % auto sector; - 3 % aeronautic
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SECTION 10 Equity investments - Ite
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10.3 Annual changes in equity inves
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SECTION 11 Technical reserves of re
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These valuation methods were perfor
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Details of the item “Goodwill”
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13.2 Annual changes in intangible a
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comparable transactions for corpora
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Second level impairment test Becaus
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Cash Generating Unit Increase in th
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No deferred tax assets were recogni
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14.7 Other information The tables a
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15.2 Other information Nothing to r
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SECTION 2 Due to customers - Item 2
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Details of item A.1 “Subordinated
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SECTION 4 Financial liabilities hel
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6.2 Hedging derivatives: compositio
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11.2 Other information The demograp
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demographic tables; the characteri
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Changes in liabilities in 2011 for
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The economic and financial assumpti
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• degree of “innovation” in t
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year, for 2004 the tax authorities
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Banca Carime (2003 and 2004) increa
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15.2 Share capital - Number of shar
Page 343 and 344: Also, with regard to the conversion
Page 345 and 346: UBI Leasing SpA + €353 thousand R
Page 347 and 348: 5. Management and intermediation on
Page 349 and 350: 1.4 Interest expense and similar: c
Page 351 and 352: 2.2 Commission expense: composition
Page 353 and 354: SECTION 6 Income (loss) from dispos
Page 355 and 356: 8.2 Net impairment losses on availa
Page 357 and 358: SECTION 9 Net premiums - Item 150 9
Page 359 and 360: SECTION 12 Net provisions for risks
Page 361 and 362: SECTION 16 Profits (losses) of equi
Page 363 and 364: SECTION 19 Profits (losses) on disp
Page 365 and 366: SECTION 21 Post-tax profit after ta
Page 367 and 368: (v) (vi) (vii) (viii) (ix) (x) on 5
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Page 371 and 372: - AMA) - in combined use with the t
Page 373 and 374: 1.2 Policies for the management of
Page 375 and 376: - it works with the Rating Desk and
Page 377 and 378: Credit processes within the network
Page 379 and 380: Credit risk management policy A pro
Page 381 and 382: Policy for the distribution of mort
Page 383 and 384: - pledge. In the case of mortgage c
Page 385 and 386: Quantitative information A. Credit
Page 387 and 388: A.1.3 Banking Group - On- and off-b
Page 389 and 390: A.1.7 Banking Group - On-balance sh
Page 391 and 392: A.3.1 Banking Group - Guaranteed/se
Page 393: B. Distribution and concentration o
Page 397 and 398: of a loan portfolio was signed, whi
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Page 401 and 402: Orio Finance 3 Originator UBI Banca
Page 403 and 404: Tabella 7: 190090O|1 - NOTA C.1.6 I
Page 405 and 406: C.2 Transfers C.2.1 Financial asset
Page 407 and 408: C.3 Banking Group - Covered bond op
Page 409 and 410: transferred. Each of these swaps ha
Page 411 and 412: 3. management of the operations. Th
Page 413 and 414: Subsequently, in November 2011, aft
Page 415 and 416: D. Banking group - Models for the m
Page 417 and 418: one day VaR limit for the UBI Group
Page 419 and 420: Backtesting analysis Backtesting an
Page 421 and 422: The analysis shows a very heightene
Page 423 and 424: different hypotheses for the elasti
Page 425 and 426: 2.3 Currency risk Qualitative infor
Page 427 and 428: 2.4 Derivative financial instrument
Page 429 and 430: A.3 Financial derivatives: gross po
Page 431 and 432: A.7 OTC financial derivatives: bank
Page 433 and 434: B. Credit derivatives B.1 Credit de
Page 435 and 436: The system for the management of li
Page 437 and 438: Quantitative information 1.1 Distri
Page 439 and 440: 1.3 Distribution over time by resid
Page 441 and 442: 1.5 Distribution over time by resid
Page 443 and 444: 4 BANKING GROUP - OPERATIONAL RISKS
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- Local Operational Risk Support Of
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16031). It must also be underlined
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Quantitative information The graphs
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Operational losses detected in 2011
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B. Quantitative information Informa
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Section 2 - Capital and banking sup
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deductions and negative filters, to
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PART G - Business combination trans
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the consolidated income tax act) co
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Transactions with related parties -
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Principal income statement items wi
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it is calculated on the basis of th
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Distribution by business segment: b
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Assistance activities (risk assessm
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