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Why the People's Bank?

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Why the People's Bank? Who we are We are 17,000 men and women who form a coope- rative banking group with 1,800 branches. Over the past 150 years, we have become part of the history of the households and businesses in our local areas. 2.6 million people have placed their trust in us. Every day we work for them, helping them make their projects, ideas and aspirations become reality. We are Banco Popolare (the People’s Bank). Why the People’s Bank? “People’s” because we really understand what the households, individuals, businesses, traders, pro- fessionals, institutions and associations based in the areas in which we operate want. We know the places and the backgrounds, because they are ours too: the same ones we were established in and grew up with, living through the good and the hard times alike. “People’s” because we provide support to those experiencing social hardship, those that work in the healthcare service and those who are committed to assuring the civil and cultural growth of our ci- ties. We are dedicated to guaranteeing this support constantly through our local foundations and our network of branches. “People’s” because we are a bank for everyone who wishes to become a part of it, as shareholders or members. Their contribution is important. Always. Our background We were established on 1 July 2007 following a lar- ge-scale project through which several of the most historically important organisations in the world of people’s credit and savings decided to pool their traditions, expertise and prospects. Today, Banca Popolare di Verona, Banca Popolare di Novara, Banca Popolare di Lodi, Credito Berga- masco, Banco S.Geminiano e S.Prospero, Cassa di Risparmio di Lucca Pisa Livorno, Banca Popolare di Cremona, Banca Popolare di Crema, Banco di Chia- vari e della Riviera Ligure, Banco San Marco, Banca Popolare del Trentino, Cassa di Risparmio di Imo- la, Banco Popolare Siciliano and Banca Aletti work together within Banco Popolare and are its driving force. Our mission “To serve our private and corporate Customers, by creating stable and sustainable value over time for Members, Shareholders and for Local communities.” Carlo Fratta Pasini Pier Francesco Saviotti Chairman Managing Director Carlo Fratta Pasini Chairman of Banco Popolare Guido Castellotti Maurizio Comoli Deputy Chairman Deputy Chairman Maurizio Faroni Domenico De Angelis General Manager Joint General Manager Our vocation Our business focuses above all on households, pro- fessionals, traders, artisans and small and medium enterprises. We currently work with over 2,000 sup- pliers mostly located in areas where the Group has its traditional roots, selected with the assistance of the sales network. We have developed strong territorial roots in regions where production output is highest. Our efforts are mainly focused on traditional banking activities. Our multichannel approach means that Customers can manage their own banking needs through their computers, tablets, smartphones, telephones and ATMs, with the remote support of their branch. We are engaged in all of the main activities in the credit and financial sector, at the service of our Customers, whose advice and opinions on how to improve our operations are always welcome, every day. On several occasions, we have intervened to provi- de assistance to families and businesses that have been affected by natural disasters, by making new loans available to them immediately, to help them overcome a difficult situation or at times a calamity that has hit our local communities. The Foundations The bond between people, families and local busi- nesses is fundamental to us. Each area has different and specific needs. We are able to meet these requirements also thanks to our Foundations. Every year we allocate significant resources to sup- port our local communities. In 2014, we devolved al- most 5 million euro to charity activities, 32% of which was dedicated to social and solidarity projects, 29% to promoting culture, 14.4% to protecting artistic and architectural heritage, 10.2% to healthcare, 10% to providing support for education and 3.9% to sport. The Foundations strengthen the bond between the bank and the local community and represent a dri- ving force for the common good. Our “people’s” na- ture preserves and reinforces the original spirit of service and common ground between members, lea- ding to social accountability and a genuine bond with “our people”. The Banca Popolare di Lodi Foundation, the Banca Popolare di Novara Foundation for the territory, the Credito Bergamasco Foundation, the S.Geminiano e S.Prospero Cult Foundation and the Zanotto Founda- tion in Verona play this important role in supporting the local community alongside Banco itself. Loans* of the territorial network Income statement figures as at 31/03/2016 (Euro/million) Financial margin 387.7 by customer segment ( as at 31/03/2016) Total income 786.2 560.5 17.2% Operating costs - Profit (loss) from operations 225.7 36.3% Euro 60.8 bn Balance Sheet figures as at al 31/03/2016 (Euro/million) of which Euro 28.5 bn Mortgage loans Mid Corporate Total Assets 122,150.4 Institutional and other Large Corporate Loans to Customers (gross) 85,494.9 31.1% 4.7% Entities Direct funding 82,673.5 Private Customers * 8.7% 2.0% Small Business Indirect funding 69,832.5 Notes: (*) Excluding bad loans (**) The Private Customers segment includes also Small Business Operators (businesses/professionals with a turnover of <Euro 100K). Composition of direct funding (as at 31/03/2016) Stock Exchange listing Borsa italiana (Milan Stock Exchange) Stock code: IT0005002883 Euro 82.7 bn Euro 70.3 bn Wholesale Indices: FTSE MIB/FTSE Italia All Share Banks/ (100%) 15% Captive Eurostoxx Banks/ Eurostoxx Index 9% 16% 17% 85% Other 58% Repos Retail bonds Core deposits Total Direct Captive Direct Funding Funding Organisational structure Group territorial network Figures as at 31 03 2016 and territorial network Banca Popolare di Verona Banco S.Geminiano e S.Prospero Banco San Marco Banca Popolare del Trentino The Group operates in Italy in all banking and financial sectors. It Cassa di Risparmio di Imola Banca Popolare di Novara also has subsidiaries and branches in other European countries, Banco Popolare Siciliano Credito Bergamasco and several representation offices in Asia. Banco Popolare’s regi- Belluno Trento Udine Verbano Pordenone Banca Popolare di Lodi stered and administrative office is in Verona and it has administra- C.O. Lecco Como Cassa di Risparmio di Lucca Pisa Livorno Aosta Varese Treviso Biella Banco di Chiavari e della Riviera Ligure Monza Bergamo Vicenza Trieste tive offices in Lodi and Novara. In addition to its role as parent Novara Brianza Banca Popolare di Cremona Brescia Milano Verona Banca Popolare di Crema Lodi Padova Venezia Vercelli company, Banco also operates as a bank, organised into Divisions Torino Cremona Mantova Multi trademark areas Pavia Rovigo Asti Piacenza on a territorial basis, and is dedicated to its traditional roots. In Reggio Alessandria Emilia Ferrara Parma 2014, following a merger by incorporation of Credito Bergamasco, Cuneo Genova Modena Ravenna Bologna Savona La Spezia Banco Popolare further simplified its organisational model by ra- Forlì-Cesena Rimini Massa Lucca Prato Imperia Pistoia Carrara Pesaro e Urbino tionalising Credito Bergamasco’s local management. Pisa Firenze Arezzo Livorno Siena Perugia Grosseto Terni The international network ROMA Isernia Campobasso Frosinone Foggia Latina Benevento Caserta Bari Olbia Napoli Avellino Tempio Salerno Potenza Russia (Moscow) Lecce Switzerland Italy China (Shanghai) India (Mumbai) China (Hong Kong) Messina Reggio Palermo Calabria Trapani Number of Banco Popolare group branches Enna excluding 31 treasury branches Catania Caltanisetta Subsidiaries Banco Popolare 1,781 Agrigento Representative offices Siracusa Banca Aletti 33 Ragusa International desk Total 1,814.
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