UBI Banca Group

Quantitative information
The graphs below show that the main sources of operational risk for the Bank in the period from
January 2008 to December 2011 were “external causes” (78% of frequencies and 48% of the total
impacts detected) and “processes” (19% of frequencies and 45% of the total impacts detected).
The “external causes” risk driver included, amongst other things, human actions performed by third
parties and not directly under the control of the Bank. The “process” risk driver included
unintentional errors and incorrect application of regulations.
Percentage of operational losses by risk driver (detection from 1 st January 2008 to 31 st December 2011)
19.1%
Number of events
1.3%
Impact on profit
2.4%
1.1%
78.5%
44.9%
48.0%
4.7%
External factors (external context) People (Human Factor)
Processes
Systems
Operational losses during the year were again concentrated on the following risk factors: “processes”
(31% of frequencies and 58% of the total impacts detected) and “external causes” (64% of frequencies
and 29% of the total impacts detected).
Percentage of operational losses by risk driver (detection from 1 st January 2011 to 31 st December 2011)
Number of events
Impact on profit
30.9%
2.1%
64.2%
58.2%
2.4%
29.5%
2.9%
9.9%
External factors (external context) People (Human Factor)
Processes
Systems
448