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PILLAR 3 Disclosure by Institutions Pursuant to Regulation (EU) No 575

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PILLAR 3 Disclosure by Institutions Pursuant to Regulation (EU) No 575 PILLAR 3 Disclosure by institutions pursuant to Regulation (EU) No 575/2013 Figures as at 31/12/2020 INTRODUCTION .............................................................................................................. 3 1. RISK MANAGEMENT OBJECTIVES AND POLICIES ........................................................ 6 2. SCOPE OF APPLICATION ........................................................................................... 60 3. OWN FUNDS ............................................................................................................. 62 4. CAPITAL REQUIREMENTS .......................................................................................... 74 5. CREDIT RISK .............................................................................................................. 76 5.1 LOAN LOSS PROVISIONS .................................................................................................. 77 5.2 ENCUMBERED AND UNENCUMBERED ASSETS ................................................................ 107 5.3 USE OF ECAIS ................................................................................................................... 114 5.4 USE OF CREDIT RISK MITIGATION TECHNIQUES ............................................................ 119 6. EXPOSURE TO COUNTERPARTY RISK ...................................................................... 124 7. OPERATIONAL RISK ................................................................................................ 136 8. EXPOSURES TO SECURITISATION POSITIONS ......................................................... 137 9. EXPOSURE IN EQUITIES NOT INCLUDED IN THE TRADING BOOK .......................... 149 10. EXPOSURE TO INTEREST RATE RISK ON POSITIONS NOT INCLUDED IN THE TRADING BOOK ......................................................................................................................... 159 11. REMUNERATION POLICIES .................................................................................... 162 12. FINANCIAL LEVERAGE .......................................................................................... 163 DECLARATION OF THE MANAGER CHARGED WITH PREPARING THE COMPANY’S FINANCIAL REPORTS PURSUANT TO ART. 154-BIS, PARAGRAPH 2 OF LEGISLATIVE DECREE NO. 58/1998 (THE CONSOLIDATED LAW ON FINANCE)..................................172 INTRODUCTION The Pillar III regulatory requirements provide for an obligation of disclosure concerning capital adequacy, risk exposure and the general features of the systems used to identify, measure and manage such risks. The harmonised requirements for credit institutions and investment firms set out in Regulation (EU) No. 575/2013 of 26 June 2013 ("CRR") and Directive (EU) 2013/36 of 26 June 2013 ("CRD IV"), transposing the reforms of the Basel Committee accords ("Basel 3") into European law, entered into force on 1 January 2014. The EU directive is complemented by the provisions set out by the Bank of Italy with circular No. 285 of 17 December 2013 and subsequent updates, which collects the prudential supervisory provisions applicable to Italian banks and banking groups – as revised and updated to adapt internal legislation to the innovations in the international regulatory framework, with particular regard to the new regulatory and institutional structure of EU banking supervision, and to take account of the needs that have emerged in the exercise of supervision of banks and intermediaries – and lists the provisions for the purpose of the CRR. The prudential regulatory framework is structured around three Pillars: - the First pillar sets out the regulatory capital required to address the typical risks of the banking core business, and introduces alternative methodologies for calculating capital requirements; - the Second pillar requires banks to adopt a strategy and process to control their current and forward-looking capital adequacy. - the Third pillar defines a set of disclosure requirements, which allow market participants to more accurately gauge the capital adequacy and risk exposure of banks. Third pillar disclosure is directly regulated by: • the CRR, Part Eight “Disclosure by Institutions” (art. 431 – 455) and Part Ten, Title I, Chapter 3 “Transitional provisions for disclosure of own funds” (art. 492); • Regulations of the European Commission laying down the regulatory or implementing technical standards required to obtain harmonised models for the disclosure of different types of information. • Guidelines published by the European Banking Authority (EBA) to harmonise the templates for disclosure of different types of information. The regulations require banks to provide specific information to the public - in order to strengthen market discipline - on, inter alia, capital adequacy, risk exposure, the general features of risk management and control systems, corporate governance structures and remuneration policies. Banca Carige (hereinafter the “Parent Company”, “Banca Carige”, “Carige” or the “Bank”) fulfils the obligation of disclosure to the public for the Banca Carige Group (hereinafter referred to as the “Carige Group” or the “Group”) and draws up this document on the basis of the aforementioned regulatory provisions, on a consolidated basis, with reference to a “prudential” scope of consolidation which essentially coincides with the supervisory definition of banking group. The document is therefore organised in accordance with the CRR to provide qualitative and quantitative information, where it is considered applicable to the Group, and, in compliance with Art. 433, para. 2, it is published in conjunction with the financial statements. It should be noted that in light of the COVID-19 pandemic and in response to the negative consequences of the ongoing economic crisis, the disclosure requirements needed to be updated in order to allow for adequate reporting to the public. For these reasons, in June 2020 the EBA published the “Guidelines on reporting and disclosure of exposures subject to measures applied in response to the COVID‐19 crisis” (EBA/GL/2020/07), covering the disclosure requirements for the exposures subject to measures adopted to mitigate the effects of the COVID‐19 crisis. Still within the framework of the pandemic scenario described above, Regulation (EU) 2020/873 of the European Parliament and of the Council of 24 June 2020 was published as a CRR quick fix. By amending Regulations (EU) 575/2013 and (EU) 2019/876, the quick fix introduces temporary measures, intended to provide capital and liquidity support to companies and households. On 31 January 2020, the Parent Company's Temporary Administration procedure, initiated by the ECB on 2 January 2019, came to a close and new governing and control bodies were appointed by the Shareholders’ Meeting, resulting in a situation of ordinary, stable governance being restored. Therefore, the Consolidated Financial Statements at 31 December 2020 of the Banca Carige Group relate to financial reporting for the period 1 February - 31 December 2020 (eleven months). Article 433, paragraph 2 of the CRR requires that the Pillar III annual disclosure should be published on the same date as the date on which institutions publish their financial statements, thus establishing a connection between these reports. It is noted that, in light of this connection and in the absence of financial reporting obligations for the financial year 2019, the Group, having heard the opinion of the competent supervisory bodies, decided to fulfil the obligations set out in Part 8 of the CRR as at 31 January 2020, in line with the reporting period of the Consolidated Financial Statements for the financial year under Temporary Administration, i.e. 01.01.2019 - 31.01.2020, prepared in accordance with art. 75, para. 2 of the Italian Consolidated Law on Banking and approved by the ECB. Finally, it should be noted that, albeit determined in compliance with the applicable prudential regulatory framework, certain quantitative information contained in this document was not submitted to the Supervisory Authorities, as it referred to 31 January 2020, a date which is not relevant under the regulations in force for certain data reporting flows. For completeness, it is specified that: • Further information on the risks to which the Group is exposed is published in Part E of the Explanatory Notes to the Consolidated Financial Statements as at 31 December 2020 for the Banca Carige Group. • all information on the governance is shown in the “Corporate Governance and Ownership Structure Report for 2020”, available in the “Company Documents” section of the “Governance” section of the Group website www.gruppocarige.it (hereinafter the “website”); • all information required by art. 450 of the CRR on remuneration policies and practices, relating to the categories of staff whose professional activities have a significant impact on the Bank’s risk profile are set out in the “Remuneration Report”, which can be found in the “Shareholders’ Meetings” section of the “Governance” menu of the website. The document is available on the Group website www.gruppocarige.it, in the section “Basel Report – Pillar 3” of the “Investor Relations” menu. Unless otherwise indicated, figures are expressed in thousands of EUR. 1. RISK MANAGEMENT OBJECTIVES AND POLICIES QUALITATIVE INFORMATION – art. 435 CRR 1.1 Introduction Risk management is structured in four specific phases: (a) definition of risk management strategies, with particular reference to the organisation's risk tolerance
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