UBI Banca Group

The types of event which recorded the greatest concentration of operational losses during the period
examined were “external fraud” (74% of frequencies and 44% of the total impacts detected),
“execution, delivery and process management” (13% of frequencies and 24% of the total impacts
detected) and “customers, products and professional practices” (6% of frequencies and 23% of the
total impacts detected).
Percentage of operational losses by type of event (detection from 1 st January 2008 to 31 st December 2011)
Number of events
Impact on profit
74.2%
0.3% 1.3%
3.8%
44.1%
2.0%
2.4%
4.0%
6.5%
23.2%
1.1%
12.8%
23.5%
0.8%
Customers, products and professional practuces
Damage from external events
Execution, delivery and process management
External fraud
Internal fraud
Business interruprtion and systems malfunctions
Employment and safety at work
Operational losses incurred during the year were concentrated mainly in the following types of event:
“execution, delivery and process management” (19% of frequencies and 49% of the total impacts
detected), “customers, products and professional practices” (13% of frequencies and 23% of the total
impacts detected) and “external fraud” (55% of frequencies and 14% of the total impacts detected).
Percentage of operational losses by type of event (detection from 1 st January 2011 to 31 st December 2011)
Number of events
Impact on profit
55.27%
0.73% 2.02%
7.23%
48.80%
14.01%
1.91%
12.87%
2.08%
2.92%
8.94%
18.96%
1.11%
23.17%
Customers, products and professional practuces
Damage from external events
Execution, delivery and process management
External fraud
Internal fraud
Business interruprtion and systems malfunctions
Employment and safety at work
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