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UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015

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UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015 Counterparties Issuer Unione di Banche Italiane S.c.p.a. Sellers Banco di Brescia S.p.A., Banca Regionale Europea S.p.A., Banca Popolare di Bergamo S.p.A., Banca Popolare di Ancona S.p.A., IW Bank S.p.A. (formerly UBI Banca Private Investment S.p.A. (*), Banca di Valle Camonica S.p.A., Banca Carime S.p.A., Banca Popolare Commercio e Industria S.p.A, and Unione di Banche Italiane S.c.p.a (*) Guarantor UBI Finance CB 2 S.r.l. Servicer Unione di Banche Italiane S.c.p.a. Calculation Agent Unione di Banche Italiane S.c.p.a. Liability Swap Provider n.a Asset Swap Provider: n.a. Italian Account Provider Unione di Banche Italiane S.c.p.a. English Account Provider BNP Paribas Securities Services, London Branch (*) At the date of this report both IW Bank and Unione di Banche Italiane have signed the Master Purchase Agreement, but haven't sold any loans yet Denomination ISIN Series Issue Date Maturity Date Currency Principal Coupon UBI BANCA TV CB2 due 28/05/2018 IT0004818701 1st (private placement) 28/05/2012 28/05/2018 Eur 1.080.000.000,00 5.549.760,00 UBI BANCA TV CB2 due 29/10/2022 IT0004864663 2nd (private placement) 29/10/2012 29/10/2022 Eur 500.000.000,00 3.170.166,67 UBI BANCA TV CB2 due 05/03/2019 IT0005002842 3rd (private placement) 05/03/2014 05/03/2019 Eur 200.000.000,00 410.466,67 UBI BANCA TV CB2 due 14/07/2021 IT0005122418 4th (private placement) 14/07/2015 14/07/2021 Eur 650.000.000,00 219.266,67 Total amount 2.430.000.000,00 Nominal Value Test A= € 2.699.128.522,86 Adjusted Outstanding Principal Balance B= € 119.524.625,43 Principal Account plus Top-Up Assets C= € 0,00 Adjusted Outstanding Principal Balance of other eligible assets Y € - Potential Set-off Amount W € - Commingling Amount The weighted average remaining maturity of all Covered Bonds (expressed in years) then Z= € 110.288.035,62 outstanding multiplied by the Euro Equivalent of the aggregate Principal Amount Outstanding of the Covered Bonds multiplied by the Negative Carry Factor F= € 2.430.000.000,00 Principal Amount Outstanding of all Series of Covered Bonds Total A*P+B+C-Y-W-Z>=F Pass Pass / Fail P= Asset Percentage 100,00% Amount of Credit Support € 278.365.112,67 Result of the overcollateralisation in the Nominal Value Test NPV Test NPV Cover Pool = A + B € 2.766.312.430,04 A € 2.766.312.430,04 NPV Assets plus Top Up Asset B € 0 NPV Asset Swap and Liability Swap NPV Cover Bond € 2.532.458.797,82 TEST NPV Cover Pool > NPV Cover Bond Pass Pass / Fail 1 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015 Interest Cover Test A= € 15.295.413,18 Interest on Interest Account B= € 0,00 Asset Swap Differential C= € 50.508.609,30 Interest due in the next 12 months D= € 32.970.212,32 Interest Payments due under all outstanding Series of Covered Bonds E= € 2.451.275,32 Senior Liabilities F= € 0,00 Payments due by the Guarantor under any Swap Agreement A+B+C>=D+E+F Pass Pass/ Fail Top Up Asset Test Top-up Assets Collections € 134.820.038,61 Recoveries - Other - TOTAL Top-up Assets € 134.820.038,61 Are the Total Top-up Assets >15% (*) NO If Yes, Excess Top-up Amount € 0,00 (Amount to be Transferred to Guarantor in the next Calculation Period if not cured via repayment of Term Loan) UBI Finance cb2 Accounts at 31/08/2015 (opened with the English Account Bank) PrincipalAccount € 113.630.794,61 Interest Account € 4.370.045,27 Reserve fund € 10.053.352,30 Total € 128.054.192,18 Credit Ratings at 31/08/2015 Short Term Short Term Short Term Long Term Long Term Long Term (Moody's) (S&P) (Fitch) (Moody's) (S&P)* (Fitch) UBI Banca P-2 A-3 F3 Baa2 BBB- BBB UBI Banca Event of Default NO NO NO NO NO NO UBI Finance Srl Event of Default NO NO NO NO NO NO Pool assets Analysis Provisional Pool Summary EUR Aggregate current Principal Outstanding Balance € 3.190.403.938,42 Aggregate original Principal Outstanding Balance € 5.522.177.507,74 Average current Principal Outstanding Balance € 119.133,83 Average original Principal Outstanding Balance € 206.205,28 Maximum current Principal Outstanding Balance € 14.257.640,06 Maximum original Principal Outstanding Balance € 38.000.000,00 Total number of Loans 26.780 Weighted average seasoning (months) 76,29 Weighted average remaining maturity (months) 140,58 Weighted average original term (months) 216,86 Weighted average Current LTV (%) - indexed 38,15% Weighted average Original LTV (%) 56,38% Weighted average interest rate (%) 2,03% % of Floating Rate Assets (By Outstanding Balance) 89,08% % of Fixed Rate Assets (By Outstanding Balance) 10,92% Collateral Currency EUR 2 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015 Current Loan Amount / Current Market Value (indexed) Number of Loans % Current Balance % 0% - 20% 9.021 33,69% 613.665.375,99 19,23% 20% - 30% 4.714 17,60% 549.712.532,62 17,23% 30% - 40% 4.501 16,81% 655.534.919,88 20,55% 40% - 50% 3.714 13,87% 588.985.871,28 18,46% 50% - 60% 2.634 9,84% 443.572.346,57 13,90% 60% - 70% 1.136 4,24% 139.451.852,27 4,37% 70% - 80% 870 3,25% 122.882.046,95 3,85% >80% 190 0,71% 76.598.992,86 2,40% 26.780 100,00% 3.190.403.938,42 100,00% Outstanding Loan Amount Number of Loans % Current Balance % 0 - 37,500 8.183 30,56% 153.385.843,76 4,81% 37,501 - 75,000 7.064 26,38% 390.661.972,81 12,24% 75,001 - 100,000 3.387 12,65% 293.653.280,98 9,20% 100,001 - 150,000 3.986 14,88% 485.850.091,21 15,23% 150,001 - 200,000 1.503 5,61% 259.358.980,91 8,13% 200,001 - 250,000 770 2,88% 171.120.625,67 5,36% 250,001 - 500,000 1.114 4,16% 383.526.287,45 12,02% > 500,000 773 2,89% 1.052.846.855,63 33,00% 26.780 100,00% 3.190.403.938,42 100,00% Interest Type (*) Number of Loans % Current Balance % Fixed rate 3.929 14,67% 348.295.173,38 10,92% Floating rate 22.851 85,33% 2.842.108.765,04 89,08% 26.780 100,00% 3.190.403.938,42 100,00% (*) "Fixed rate" loans are loans that have a fixed rate for life, all other interest types are included in the "Floating rate" loans. Currency Number of Loans % Current Balance % Eur 26.780 100,00% 3.190.403.938,42 100,00% Other Currencies 0 0,00% 0,00 0,00% 26.780 100,00% 3.190.403.938,42 100,00% Originator Number of Loans % Current Balance % Banca Carime 3.184 11,89% 286.171.821,18 8,97% Banca della Valle Camonica 634 2,37% 97.382.571,50 3,05% Banco di Brescia 4.842 18,08% 705.843.464,43 22,12% Banca Pop. Comm. e Industria 2.909 10,86% 318.979.101,38 10,00% Banca Pop. di Ancona 4.373 16,33% 546.243.375,29 17,12% Banca Regionale Europea 4.708 17,58% 586.840.787,69 18,39% Banca Pop. di Bergamo 6.130 22,89% 648.942.816,95 20,34% 26.780 100,00% 3.190.403.938,42 100,00% Maturity Date Number of Loans % Current Balance % 2009 - 2012 3 0,01% 78.464,56 0,002% 2013 - 2017 3.191 11,92% 100.227.278,09 3,14% 2018 - 2022 7.996 29,86% 834.003.934,49 26,14% 2023 - 2027 7.465 27,88% 1.008.196.009,55 31,60% 2028 - 2032 4.019 15,01% 640.854.999,35 20,09% 2033 - 2037 2.099 7,84% 308.718.152,86 9,68% 2038 - 2042 1.684 6,29% 246.684.997,56 7,73% 2043 - 2047 300 1,12% 44.227.380,57 1,39% > 2047 23 0,09% 7.412.721,39 0,23% 26.780 100,00% 3.190.403.938,42 100,00% Original Loan Amount / Original Market Value (*) Number of Loans % Current Balance % 0% - 20% 2.661 9,94% 286.435.870,00 8,98% 20% - 30% 2.881 10,76% 306.158.510,31 9,60% 30% - 40% 3.724 13,91% 457.587.037,73 14,34% 40% - 50% 4.483 16,74% 600.520.481,48 18,82% 50% - 60% 4.279 15,98% 568.429.842,73 17,82% 60% - 70% 3.260 12,17% 427.297.729,89 13,39% 70% - 80% 2.831 10,57% 307.447.564,03 9,64% > 80% 2.661 9,94% 236.526.902,25 7,41% 26.780 100,00% 3.190.403.938,42 100,00% (*) It refers to the LTV at the time of granting the loan 3 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/08/2015 Seasoning (months) Number of Loans % Current Balance % 0 - 12 184 0,69% 32.525.007,08 1,02% 12 - 24 841 3,14% 136.647.482,48 4,28% 24 - 48 3.099 11,57% 465.732.461,33 14,60% 48 - 72 5.715 21,34% 922.989.301,90 28,93% 72 - 96 5.251 19,61% 799.550.490,53 25,06% 96 - 170 10.381 38,76% 803.545.944,92 25,19% > 170 1.309 4,89% 29.413.250,18 0,92% 26.780 100,00% 3.190.403.938,42 100,00% Payment Number of Loans % Current Balance % Monthly 22.699 84,76% 2.330.485.945,35 73,05% Quarterly 774 2,89% 338.824.685,90 10,62% Semi-Annual 2.933 10,95% 484.646.766,04 15,19% Annual 27 0,10% 2.848.666,58 0,09% Other 347 1,30% 33.597.874,55 1,05% 26.780 100,00% 3.190.403.938,42 100,00% Geographical Distribution Number of Loans % Current Balance % Piemonte 3.127 11,68% 388.608.153,62 12,18% Valle D'Aosta 37 0,14% 3.519.682,87 0,11% Lombardia 11.913 44,48% 1.420.520.435,37 44,52% Trentino Alto Adige 20 0,07% 3.350.337,20 0,11% Veneto 425 1,59% 57.408.380,57 1,80% Friuli Venezia Giulia 90 0,34% 8.700.395,29 0,27% Liguria 1.467 5,48% 189.785.253,86 5,95% Emilia Romagna 562 2,10% 107.337.321,40 3,36% Toscana 103 0,38% 42.758.737,07 1,34% Umbria 403 1,50% 45.552.497,44 1,43% Marche 1.949 7,28% 221.842.838,88 6,95% Lazio 1.818 6,79% 218.228.577,71 6,84% Abruzzo 385 1,44% 39.002.469,66 1,22% Molise 155 0,58% 12.423.749,30 0,39% Campania 1.274 4,76% 167.308.825,97 5,24% Puglia 1.197 4,47% 123.063.325,12 3,86% Basilicata 258 0,96% 22.113.452,63 0,69% Calabria 1.505 5,62% 111.149.843,85 3,48% Sicilia 18 0,07% 1.780.220,33 0,06% Sardegna 74 0,28% 5.949.440,28 0,19% 26.780 100,00% 3.190.403.938,42 100,00% Current and delays Number of Loans % Current Balance % Current <= 1m 25.250 94,29% 2.897.699.652,28 90,83% 1<=2m 223 0,83% 27.434.965,04 0,86% 2<=3m 192 0,72% 29.470.737,99 0,92% 3<=6m 198 0,74% 29.052.404,36 0,91% 6<=12m 242 0,90% 37.664.754,92 1,18% >=12 675 2,52% 169.081.423,83 5,30% 26.780 100,00% 3.190.403.938,42 100,00% Contact If you have any queries regarding this report please contact: UBI Banca - Funzione Amm.ne Società Veicolo [email protected] UBI Banca - Investor Relations [email protected] phone +39 035 3922217 or +39 035 3923535 4.
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