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Consolidated Interim Financial Report Consolidated interim financial report as at 30 June 2021 Consolidated interim financial report as at 30 June 2021 This document is a courtesy translation into English of the document in Italian approved by the Board of Directors. In case of any discrepancies or doubts between the English and the Italian versions of the Report, the Italian version prevails. 2 ___________________________________________________________________________________________________________________________________________ Banco BPM S.p.A. Registered office: Piazza F. Meda, 4 - 20121 Milan, Italy Administrative headquarters: Piazza Nogara, 2 - 37121 Verona, Italy Fully paid up share capital as at 30 June 2021: € 7,100,000,000.00 Tax Code and Milan Companies’ Register Enrolment No.: 09722490969 A company representing Banco BPM VAT Group, VAT no. 10537050964 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of Banco BPM Banking Group Enrolled in the Bank of Italy Register of Banks and the Register of Banking Groups ___________________________________________________________________________________________________________________________________________ 3 OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 30 JUNE 2021 Board of Directors Chairman Massimo Tononi Deputy Chairman Mauro Paoloni Chief Executive Officer Giuseppe Castagna Directors Mario Anolli Maurizio Comoli Nadine Farida Faruque Carlo Frascarolo Alberto Manenti Marina Mantelli Giulio Pedrollo Eugenio Rossetti Manuela Soffientini Luigia Tauro Costanza Torricelli Giovanna Zanotti Board of Statutory Auditors Chairman Marcello Priori Standing Auditors Maurizio Lauri Silvia Muzi Alfonso Sonato Nadia Valenti Alternate Auditors Francesca Culasso Gabriele Camillo Erba Wilmo Carlo Ferrari General Management Joint General Manager Domenico De Angelis Joint General Manager Salvatore Poloni Manager responsible for preparing the Company's financial reports Gianpietro Val Independent Auditors PricewaterhouseCoopers S.p.A. ___________________________________________________________________________________________________________________________________________ 5 CONTENTS Group structure ............................................................................................................................................ 6 Group territorial network ............................................................................................................................... 8 Group financial highlights and economic ratios ............................................................................................. 10 Interim report on operations .................................................................................................... 13 Economic scenario ..................................................................................................................................... 14 Significant events during the period .............................................................................................................. 21 Results ...................................................................................................................................................... 30 Consolidated income statement figures ................................................................................................... 31 Consolidated balance sheet figures ........................................................................................................ 42 Key financial highlights of the main Group companies .............................................................................. 51 Group ratings ...................................................................................................................................... 52 Outlook for business operations ................................................................................................................... 54 Consolidated condensed interim financial statements ............................................................... 57 Financial statements ................................................................................................................................... 58 Explanatory notes ...................................................................................................................................... 66 Part A - Accounting policies ......................................................................................................................... 66 Part B - Information on the Consolidated Balance Sheet ................................................................................. 101 Part C - Information on the Consolidated Income Statement ........................................................................... 137 Part E - Information on risks and related hedging policies .............................................................................. 144 Part G - Business combinations regarding companies or divisions ................................................................... 172 Part H - Transactions with related parties ..................................................................................................... 175 Part I - Share-based payment agreements .................................................................................................... 180 Part L - Segment reporting ......................................................................................................................... 184 Certification of the consolidated condensed interim financial statements pursuant to art. 81-ter of Consob Regulation no. 11971 of 14 May 1999 and subsequent amendments and additions ................................................................................................................................ 191 Independent Auditors’ Report ................................................................................................. 195 Attachments ........................................................................................................................... 199 6 GROUP STRUCTURE: MAIN COMPANIES BANCO BPM S.p.A. Bipielle Banca Aletti Banca Akros Vera Vita Release Real Estate 100% 100% 35% 100% 100% Vera Tecmarket Oaklins Italy Assicurazioni Servizi 100% 35% 100% Bipiemme Vita ProFamily(*) 19% 100% Agos Ducato Etica SGR 39% 19.44% Alba Leasing 39.19% SelmaBipiemme Leasing 40% Factorit 39.5% CF Liberty Servicing 30% Anima Holding 19.385% (*) Company incorporated into the Parent Company on 19 July 2021. 7 GROUP STRUCTURE: BUSINESS LINES Retail Corporate Institutional Customers Investment Strategic Corporate Private Leasing Banking Partnership Centre Associated Banco BPM Banco BPM Banca Aletti Banca Akros Banco BPM companies PORTAFOGLIO EX-ITALEASE - Vera Assicurazioni Group Functions: - Vera Vita - Group Finance Oaklins Italy Release - Bipiemme Vita - Agos Ducato - Alba Leasing ProFamily(*) - SelmaBipiemme Leasing - Factorit - CF Liberty Servicing Foreign Banks - Anima Holding Services and Real Estate companies - Bipielle Real Estate - Tecmarket Servizi Associated companies - Etica SGR (*) Company incorporated into the Parent Company on 19 July 2021. 8 GROUP TERRITORIAL NETWORK 7 8 5 558 177 167 159 76 137 1 5 1 75 5 34 34 2 1 1 57 N° BRANCHES NORTH 1,157 CENTRE 218 SOUTH AND ISLANDS 135 Total 1,510 ___________________________________________________________________________________________________________________________________________ 9 Banco BPM Group Branches in Italy Number Banco BPM 1,454 Banca Aletti 55 Banca Akros 1 Total 1,510 Presence abroad The Group’s foreign operations include a subsidiary company, Banca Aletti Suisse, and Representative Offices in China (Hong Kong) and India (Mumbai). 10 ___________________________________________________________________________________________________________________________________________ Group financial highlights and economic ratios Highlights The highlights and main ratios of the Group, calculated based on the reclassified financial statements, are presented below. The underlying calculations for these are illustrated in the “Results” section of this Report. (millions of euro) I half 2021 I half 2020 (*) Change Income statement figures Financial margin 1,117.3 1,023.9 9.1% Net fee and commission income 950.1 816.9 16.3% Operating income 2,323.5 1,955.9 18.8% Operating expenses (1,275.5) (1,248.7) 2.1% Profit (loss) from operations 1,048.0 707.2 48.2% Profit (loss) before tax from continuing operations 525.8 209.8 150.7% Profit (loss) after tax from continuing operations 392.5 170.8 129.9% Parent Company’s profit (loss) for the period 361.3 105.2 243.4% (*) The figures relating to the previous period have been restated to provide a like-for-like comparison. (millions of euro) 30/06/2021 31/12/2020 Change Balance sheet figures Total assets 198,530.1 183,685.2 8.1% Loans to customers (net) 109,374.2 109,335.0 0.0% Financial assets and hedging derivatives 45,955.5 41,175.6 11.6% Group shareholders’ equity 12,918.0 12,225.2 5.7% Customers' financial assets Direct funding 120,146.4 116,936.7 2.7% Direct funding without repurchase agreements with certificates 122,601.9 120,141.1 2.0% Indirect funding 99,623.3 94,807.3 5.1% Indirect funding without protected capital certificates 96,460.5 91,575.9 5.3% - Asset management 62,918.1 59,599.2 5.6% - Mutual funds and SICAVs 43,797.7 40,797.6 7.4% - Securities and fund management 4,140.3 3,945.2 4.9% - Insurance policies 14,980.1 14,856.4 0.8% - Administered assets 36,705.2 35,208.1 4.3%
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