UBI Banca Group
UBI Banca Group
UBI Banca Group
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- Lending ..................................................................................................................................... 26*<br />
- Operations on the interbank market .......................................................................................... 28*<br />
▪ Financial assets ................................................................................................................ 31*<br />
▪ Equity and capital adequacy ............................................................................................. 39*<br />
▪ Relations with <strong>Group</strong> member companies .......................................................................... 41*<br />
▪ Research & Development ................................................................................................... 41*<br />
▪ The system of internal control ........................................................................................... 41*<br />
▪ Transactions with related parties ................................................................................................ 42*<br />
▪ Share performance and shareholder structure ................................................................... 44*<br />
- Share performance .................................................................................................................... 44*<br />
- Report on corporate governance and the ownership structure .................................................... 44*<br />
- Treasury shares ......................................................................................................................... 46*<br />
- Report on the admission of new registered shareholders ............................................................. 46*<br />
- Report on mutual objects ........................................................................................................... 48*<br />
- De jure and delegated powers of the corporate bodies ................................................................. 50*<br />
▪ Other information ............................................................................................................. 51*<br />
- Litigation ................................................................................................................................... 51*<br />
- Legislation on the protection of personal data ............................................................................ 52*<br />
▪ Principal risks and uncertainties to which <strong>UBI</strong> <strong>Banca</strong> is exposed ....................................... 52*<br />
▪ Subsequent events and the business outlook .................................................................... 52*<br />
▪ Proposal to replenish the loss for the year and to declare a dividend .................................. 53*<br />
STATEMENT OF THE CHIEF EXECUTIVE OFFICER AND OF THE SENIOR OFFICER<br />
RESPONSIBLE FOR PREPARING THE COMPANY ACCOUNTING DOCUMENTS ................................ 55*<br />
INDEPENDENT AUDITORS’ REPORT .......................................................................................... 58*<br />
SEPARATE FINANCIAL STATEMENTS ........................................................................................ 62*<br />
▪ Balance sheet .................................................................................................................... 63*<br />
▪ Income statement .............................................................................................................. 64*<br />
▪ Statement of comprehensive income .................................................................................. 65*<br />
▪ Statement of changes in equity .......................................................................................... 66*<br />
▪ Statement of cash flows. .................................................................................................... 68*<br />
NOTES TO THE ACCOUNTS ...................................................................................................... 70*<br />
▪ Part A – Accounting policies .............................................................................................. 71*<br />
▪ Part B – Notes to the balance sheet ................................................................................... 105*<br />
▪ Part C – Notes to the income statement ............................................................................. 163*<br />
▪ Part D – Comprehensive income ........................................................................................ 186*<br />
▪ Part E – Information on risks and the relative hedging policies .......................................... 188*<br />
▪ Part F – Information on equity ........................................................................................... 269*<br />
▪ Part G – Business combination transactions concerning companies or lines of business .... 276*<br />
▪ Part H – Transactions with related parties ......................................................................... 277*<br />
▪ Part I – Share based payments .......................................................................................... 285*<br />
▪ Part L – Segment Reporting ............................................................................................... 286*<br />
ATTACHMENTS TO THE SEPARATE FINANCIAL STATEMENTS .................................................... 288*<br />
▪ List of real estate properties .............................................................................................. 289*<br />
▪ Convertible bonds ............................................................................................................. 294*<br />
▪ List of significant equity investments held in unlisted companies as at 31 st December 2011<br />
in compliance with Art. 126 of Consob Resolution No. 11971/1999 ................................... 295*<br />
▪ Disclosures concerning the fees of the independent auditors and services other than<br />
auditing in compliance with Art. 149 duodecies ..................................................................... 300*<br />
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