UBI Banca Group

The Group also has over 61 thousand POS terminals installed in retail outlets, unchanged
compared to twelve months before. In 2012 the sector should benefit, both in terms of units
installed and volumes of business, from the new measures introduced by the government to
limit the use of cash for amounts below one thousand euro only. More widespread acceptance
of payments using cards is expected by retailers for which average payments are for small
amounts and who therefore currently accept almost exclusively payments in cash.
The positioning of the Group
The table summarises the market
positioning of the UBI Group in
terms of branches, conventional
funding (excluding bonds) and
lending in provinces, where it has
a more significant presence – on
the basis of the latest available
data from the Bank of Italy (30 th
September for branches and 30 th
June for the balance sheet data on
the basis of the location of the
branch) – both with respect to the
national market and for the main
areas in which the banks in the
Group operate.
Despite the reorganisation
performed in April 2011, the
positions at the end of September
and at the end of June did not
record any significant changes
compared to the data as at the
end of 2010.
In terms of branches, the Group
can continue to count on a market
share of at least 10% in 19 Italian
provinces and also on an
important presence in Milan (over
9%) and Rome (around 4%).
As a result of the characteristics of
the two original groups, in some
areas where the Group’s local
presence is stronger, it has a
market share of traditional
funding and/or lending that is
greater than the percentage of
branches.
UBI Banca Group: market share (*)
30.9.2011 30.6.2011
31.12.2010
Branches
Branches
Funding
(**) (***)
Lending
(***)
Funding
(**) (***)
Lending
(***)
North Italy 6.4% 6.3% 7.2% 6.4% 6.1% 7.3%
Lombardy 12.9% 10.8% 10.8% 12.9% 10.7% 10.9%
Prov. of Bergamo 21.0% 31.5% 43.1% 21.0% 32.2% 43.5%
Prov. of Brescia 22.7% 36.3% 35.0% 22.6% 33.3% 35.9%
Prov. of Como 5.9% 5.5% 8.2% 6.2% 5.9% 8.5%
Prov. of Lecco 5.8% 4.9% 7.0% 5.4% 4.8% 6.5%
Prov. of Sondrio 8.1% 1.7% 3.6% 8.1% 1.6% 3.6%
Prov. of Mantua 5.6% 3.7% 4.3% 5.7% 3.6% 4.7%
Prov. of Milan 9.2% 5.3% 4.5% 9.1% 5.3% 4.5%
Prov. of Monza Brianza 8.3% 8.4% 9.3% 8.5% 7.9% 9.1%
Prov. of Pavia 15.5% 16.8% 12.0% 15.6% 16.6% 12.4%
Prov. of Varese 23.1% 30.3% 21.7% 23.7% 30.4% 23.2%
Piedmont 8.4% 5.4% 7.1% 8.4% 4.9% 6.7%
Prov. of Alessandria 11.8% 8.4% 10.5% 11.1% 8.8% 9.7%
Prov. of Cuneo 24.4% 22.8% 20.5% 24.5% 23.6% 19.4%
Prov. of Novara 4.6% 3.1% 8.3% 5.1% 2.4% 8.0%
Liguria 6.0% 5.5% 8.3% 6.0% 5.0% 8.2%
Prov. of Genoa 4.8% 5.1% 7.8% 5.0% 4.3% 7.8%
Prov. of Imperia 5.8% 3.8% 9.2% 5.8% 3.5% 9.3%
Prov. of Savona 6.3% 3.4% 10.1% 5.9% 3.2% 10.0%
Prov. of La Spezia 10.1% 12.2% 7.0% 10.3% 12.6% 6.7%
Central Italy 3.5% 2.9% 2.6% 3.6% 3.0% 2.5%
Marches 8.1% 9.3% 8.9% 8.8% 9.3% 9.0%
Prov. of Ancona 10.0% 13.8% 11.1% 10.6% 13.1% 10.6%
Prov. of Macerata 8.8% 11.5% 10.4% 9.5% 11.3% 10.9%
Prov. of Fermo 10.8% 10.3% 15.1% 10.6% 10.0% 15.1%
Prov. of Pesaro and Urbino 6.9% 4.1% 4.8% 8.1% 5.0% 5.2%
Latium 4.2% 3.0% 2.7% 4.3% 3.2% 2.5%
Prov. of Viterbo 14.8% 13.0% 11.3% 14.8% 13.3% 11.3%
Prov. of Rome 3.9% 3.0% 2.6% 4.0% 3.2% 2.3%
South Italy 8.3% 6.7% 5.3% 8.3% 6.5% 5.3%
Campania 6.0% 4.1% 4.2% 6.1% 4.0% 4.1%
Prov. of Caserta 9.0% 6.7% 7.0% 8.6% 6.3% 6.7%
Prov. of Salerno 8.0% 5.2% 6.2% 8.1% 4.8% 6.3%
Prov. of Naples 5.0% 3.7% 3.3% 5.5% 3.7% 3.2%
Calabria 22.1% 21.1% 14.2% 22.2% 21.0% 13.8%
Prov. of Catanzaro 14.2% 17.5% 9.7% 14.3% 16.1% 9.5%
Prov. of Cosenza 25.7% 27.3% 19.3% 25.7% 27.9% 19.0%
Prov. of Crotone 18.9% 11.8% 7.2% 18.9% 12.2% 6.9%
Prov. of Reggio Calabria 22.4% 15.8% 11.5% 22.1% 16.2% 10.7%
Prov. of Vibo Valentia 26.3% 28.5% 18.7% 28.2% 28.2% 19.0%
Basilicata 14.3% 11.5% 8.9% 14.4% 12.0% 8.8%
Prov. of Matera 15.7% 10.0% 7.4% 15.7% 10.0% 7.3%
Prov. of Potenza 13.6% 12.4% 9.9% 13.8% 13.4% 9.7%
Apulia 8.2% 7.1% 4.9% 8.2% 6.9% 4.8%
Prov. of Brindisi 12.1% 9.1% 5.9% 11.5% 9.1% 5.9%
Prov. of Bari 10.0% 8.5% 5.4% 10.1% 8.4% 5.5%
Prov. of Barletta Andria Trani 6.3% 7.1% 5.7% 6.4% 6.6% 5.2%
Prov. of Taranto 8.4% 7.2% 5.3% 8.5% 7.1% 5.1%
Total Italy 5.6% 5.2% 5.7% 5.6% 5.1% 5.8%
(*) The financial dat a is t aken f rom Bank of It aly st at ist ics. From 30t h June 2011, the Bank of It aly st at istics relat ed t o t ot al ordinary cust omers excluding
f inancial and monet ary inst itut ions. This change, which with respect t o t he past excludes t hree sub groupings of economic act ivit ies of marginal
importance bot h f or deposits and loans, does not produce any signif icant discont inuit ies in t he dat a in t he comparison wit h December.
(**) Current accounts, certificates of deposit, savings deposits.
(***) M arket share by locat ion of the branch.
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