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UBI Banca: Company Officers

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UBI Banca: Company Officers Interim financial report as at and for the half year th ended 30 June 2017 Translation from the Italian original which remains the definitive version WorldReginfo - 08df5fc5-fbc4-4dad-806c-a92bb92b334b 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 14th July 2017: Euro 2,843,075,560.24 fully paid up www.ubibanca.it WorldReginfo - 08df5fc5-fbc4-4dad-806c-a92bb92b334b Contents UBI Banca: company officers .................................................................................................. 5 UBI Banca Group: the main investments as at 30th June 2017 ............................................... 6 UBI Banca Group: branch network as at 30th June 2017 ........................................................ 7 UBI Banca Group: key figures and performance indicators .......................................................... 8 The rating ............................................................................................................................................ 10 INTERIM CONSOLIDATED MANAGEMENT REPORT AS AT AND FOR THE PERIOD ENDED 30TH JUNE 2017 ▪ The macroeconomic scenario ...................................................................................................... 14 ▪ Significant events in the first half of 2017 .......................................................................... 22 - The acquisition of the New banks ............................................................................................... 22 - The 2017-2020 Business Plan (update of the 2019/2020 Business Plan to take into account the acquisition of the New Banks).............................................................................................. 24 - The share capital increase ......................................................................................................... 30 - Implementation of the 2019/2020 Business Plan ....................................................................... 32 - The Non-Performing Loan Strategic Plan .................................................................................... 35 - Resolutions approved by a Shareholders’ Meeting of UBI Banca ................................................ 37 - ECB sensitivity analysis............................................................................................................. 38 - Developments in the regulatory framework ................................................................................ 38 ▪ The distribution network, positioning, digital innovation and payment cards ..................... 40 ▪ Human resources ......................................................................................................................... 46 ▪ Reclassified consolidated financial statements, reclassified income statement net of the most significant non-recurring items and reconciliation schedules ...................... 51 ▪ The consolidated income statement ........................................................................................... 61 ▪ General banking business with customers: funding ................................................................ 74 - Total banking funding .................................................................................................................. 74 - Direct banking funding ................................................................................................................ 75 - Indirect banking funding and assets under management .............................................................. 79 - Insurance funding and technical reserves .................................................................................... 82 ▪ General banking business with customers: lending ................................................................. 83 - Performance of the loan portfolio ................................................................................................. 83 - Risk ............................................................................................................................................ 87 ▪ The interbank market and the liquidity position ...................................................................... 93 ▪ Financial activities ........................................................................................................................ 97 ▪ Equity and capital adequacy ........................................................................................................................ 114 ▪ Information on share capital, the share, dividends paid and earnings per share ...................................................................................... 120 ▪ Information on risks and hedging policies ................................................................................. 124 - The principal risks and uncertainties for the second half of the year ............................................ 134 ▪ Consolidated companies: the principal figures ......................................................................... 139 ▪ Transactions with related parties and connected parties ........................................................ 143 ▪ Other information ......................................................................................................................... 146 - Inspections ................................................................................................................................. 146 - Tax aspects ................................................................................................................................ 150 ▪ Outlook for consolidated operations ........................................................................................... 153 CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS AS AT AND FOR THE PERIOD ENDED 30TH JUNE 2017 Mandatory interim consolidated financial statements as at and for the period ended 30th June 2017 .................................................................................................. 157 ▪ Consolidated balance sheet ......................................................................................................... 158 ▪ Consolidated income statement .................................................................................................. 159 ▪ Consolidated statement of comprehensive income ................................................................... 160 3 WorldReginfo - 08df5fc5-fbc4-4dad-806c-a92bb92b334b ▪ Statement of changes in consolidated equity ............................................................................ 161 ▪ Consolidated statement of cash flows ........................................................................................ 163 Explanatory notes ............................................................................................................................ 165 ▪ Accounting policies ....................................................................................................................... 166 - Basis of preparation .................................................................................................................... 166 - Other aspects ............................................................................................................................. 174 - Information on fair value ............................................................................................................. 182 - Information on “day one profit/loss” ............................................................................................ 184 ▪ The scope of consolidation ........................................................................................................... 185 ▪ Information on the accounts ....................................................................................................... 190 - Explanatory tables for the consolidated income statement ........................................................... 190 - Explanatory tables for the consolidated balance sheet ................................................................. 193 . Assets ...................................................................................................................................... 193 . Liabilities ................................................................................................................................. 198 - Litigation .................................................................................................................................... 201 - Segment Reporting ..................................................................................................................... 210 - Transactions with related parties pursuant to IAS 24 .................................................................. 211 ▪ Events occurring after the end of the first half ......................................................................... 214 STATEMENT OF THE CHIEF EXECUTIVE OFFICER AND OF THE SENIOR OFFICER RESPONSIBLE FOR PREPARING THE CORPORATE ACCOUNTING DOCUMENTS .............................
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