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UBI Banca” in the Abbreviated Form Reports and Financial Statements 2017 Translation from the Italian original which remains the definitive version 15th Financial year WorldReginfo - 443ee11b-e188-477f-9b0d-38a07c5d7da1 Unione di Banche Italiane Società per azioni or “UBI Banca” in the abbreviated form. Joint Stock Company Head Office and General Management: Piazza Vittorio Veneto 8, Bergamo (Italy) Operating offices: Bergamo, Piazza Vittorio Veneto 8; Brescia, Via Cefalonia 74 Member of the Interbank Deposit Protection Fund and the National Guarantee Fund Tax Code, VAT No. and Bergamo Company Registration No. 03053920165 ABI (Italian Banking Association) 3111.2 Register of Banks No. 5678 Register of banking groups No. 3111.2 Parent of the Unione di Banche Italiane Banking Group Share capital as at 31st December 2017: Euro 2,843,177,160.24 fully paid up www.ubibanca.it WorldReginfo - 443ee11b-e188-477f-9b0d-38a07c5d7da1 Contents UBI Banca: company officers ................................................................................................. 6 UBI Banca Group: key figures and performance indicators .................................................... 7 UBI Banca Group: branch network as at 31st December 2017 ................................................ 9 UBI Banca Group: the main investments as at 31st December 2017 ....................................... 10 The rating .............................................................................................................................. 11 Notice of call .......................................................................................................................... 14 CONSOLIDATED FINANCIAL STATEMENTS OF THE UBI BANCA GROUP AS AT AND FOR THE YEAR ENDED 31ST DECEMBER 2017 CONSOLIDATED MANAGEMENT REPORT .................................................................... 19 ▪ The macroeconomic scenario ............................................................................................ 20 ▪ Significant events in 2017 ................................................................................................. 29 ▪ Commercial activity ........................................................................................................... 45 ▪ The distribution network and market positioning……………....... ........................................ 61 ▪ Human resources ............................................................................................................ 64 ▪ The scope of consolidation ................................................................................................. 68 ▪ Reclassified consolidated financial statements, reclassified income statement net of the most significant non-recurring items and reconciliation schedules ............................................. 74 ▪ The consolidated income statement ................................................................................... 83 ▪ General banking business with customers: funding ........................................................... 95 - Total banking funding ............................................................................................................... ..... 95 - Direct banking funding .............................................................................................................. 96 - Indirect banking funding and assets under management ........................................................... 100 - Insurance funding and technical reserves .................................................................................. 103 ▪ General banking business with customers: lending ........................................................... 104 - Performance of the loan portfolio ............................................................................................... 104 - Risk .......................................................................................................................................... 108 ▪ The interbank market and the liquidity position ................................................................ 115 ▪ Financial activities ............................................................................................................ 119 ▪ Equity and capital adequacy ............................................................................................. 136 ▪ R&D and Innovation .......................................................................................................... 142 ▪ The internal control system ............................................................................................... 143 ▪ Transactions with related parties and with connected parties ............................................ 144 ▪ Consolidated companies: the principal figures ................................................................... 148 - Information on Banca Teatina and the main product companies ................................................ 152 ▪ Other information ............................................................................................................. 158 - Treasury shares ......................................................................................................................... 158 - Litigation ................................................................................................................................... 158 - Inspections ................................................................................................................................ 158 - Developments in the regulatory framework. ............................................................................... 163 - Tax aspects ............................................................................................................................... 168 - Investor relations and external communication . ........................................................................ 173 - The “Italian Responsible Payments Code” .................................................................................. 174 - Social and environmental responsibility ..................................................................................... 174 ▪ Principal risks and uncertainties to which the UBI Banca Group is exposed ...................... 175 ▪ Subsequent events and the business outlook .................................................................... for consolidated operations ................................................................................................ 182 STATEMENT OF THE CHIEF EXECUTIVE OFFICER AND OF THE SENIOR OFFICER RESPONSIBLE FOR PREPARING THE CORPORATE ACCOUNTING DOCUMENTS ........................................................ 183 2 WorldReginfo - 443ee11b-e188-477f-9b0d-38a07c5d7da1 INDEPENDENT AUDITORS’ REPORT ......................................................................................... 185 Consolidated financial statements ................................................................................ 195 ▪ Consolidated balance sheet ............................................................................................... 196 ▪ Consolidated income statement ......................................................................................... 197 ▪ Consolidated statement of comprehensive income ............................................................. 198 ▪ Statement of changes in consolidated equity ..................................................................... 199 ▪ Consolidated statement of cash flows ................................................................................ 201 Notes to the consolidated financial statements .................................................. 203 ▪ Part A – Accounting policies ............................................................................................. 204 - A.1 – General part ..................................................................................................................... 204 - A.2 – The main items in the financial statements ....................................................................... 230 - A.3 – Information on transfers between portfolios of financial assets ........................................... 257 - A.4 – Information on fair value ................................................................................................... 258 - A.5 – Information on “Day one profit/loss” ................................................................................. 267 ▪ PART B – Notes to the consolidated balance sheet …………………………………………….. ..... 268 - Assets ....................................................................................................................................... 268 - Liabilities .................................................................................................................................. 299 - Other information ...................................................................................................................... 336 ▪ Part C – Notes to the consolidated income statement ........................................................ 342 ▪ Part D – Consolidated comprehensive income ................................................................... 362 ▪ Part E – Information on risks and the relative hedging policies .......................................... 363 ▪ Part F – Information on consolidated equity ....................................................................... 497 ▪ Part G – Business combination transactions concerning companies
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