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Consolidated Half-Yearly Report As at June 30Th 2016 Consolidated Half-Yearly Report As at 30 June 2016 2 ______

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Consolidated Half-Yearly Report As at June 30Th 2016 Consolidated Half-Yearly Report As at 30 June 2016 2 ______ Consolidated half-yearly report as at june 30th 2016 consolidated half-yearly report as at 30 june 2016 2 ___________________________________________________________________________________________________________________________________________ Banco Popolare Società Cooperativa Registered office and General headquarters: Piazza Nogara, 2 - 37121 Verona Fully paid up share capital as at 30 June 2016: euro 7,085,065,772.63 Tax Code, VAT No. and Verona Companies’ Register Enrolment No. 03700430238 Member of the Interbank Deposit Guarantee Fund and the National Guarantee Fund Parent Company of the Banco Popolare Banking Group Enrolled in the register of Banking Groups ___________________________________________________________________________________________________________________________________________ 3 OFFICERS, DIRECTORS AND INDEPENDENT AUDITORS AS AT 30 JUNE 2016 Board of Directors Chairman Carlo Fratta Pasini (*) Deputy Chairman Guido Castellotti (*) Deputy Chairman Maurizio Comoli (*) Managing Director Pier Francesco Saviotti (*) Directors Patrizia Codecasa Luigi Corsi Domenico De Angelis (*) Maurizio Faroni (*) Gianni Filippa Cristina Galeotti Andrea Guidi Valter Lazzari Daniela Montemerlo Giulio Pedrollo Enrico Perotti Claudio Rangoni Machiavelli Fabio Ravanelli Cecilia Rossignoli Sandro Veronesi Franco Zanetta Tommaso Zanini Cesare Zonca (*) Cristina Zucchetti (*) members of the Executive Committee Board of Statutory Auditors Chairman Pietro Manzonetto Standing Auditors Marco Bronzato (**) Gabriele Camillo Erba Claudia Rossi Alfonso Sonato Alternate Auditors Chiara Benciolini (**) Paola Pesci General Management General Manager Maurizio Faroni Joint General Manager Domenico De Angelis Ethics and Disciplinary Committee Standing Members Aldo Bulgarelli Luciano Codini Giuseppe Germani Alternate Members Matteo Bonetti Donato Vestita Manager responsible for preparing the Company’s financial reports Gianpietro Val Independent Auditors Deloitte & Touche S.p.A. (**) The Shareholders’ Meeting held on 7 May 2016 appointed Marco Bronzato as Standing Auditor and Chiara Benciolini as Alternate Auditor ___________________________________________________________________________________________________________________________________________ 5 CONTENTS Group structure ........................................................................................................................................................ 6 Group territorial network ........................................................................................................................................... 8 Group financial highlights and economic ratios ........................................................................................................ 10 Introduction ........................................................................................................................................................... 13 Half-yearly report on operations ................................................................................................................. 15 Economic scenario .................................................................................................................................................. 16 Significant events during the period ........................................................................................................................ 20 Risk management ................................................................................................................................................... 27 Disclosure on transactions with related parties ........................................................................................................ 37 Outlook for business operations.............................................................................................................................. 37 Interim condensed consolidated financial statements .................................................................................. 39 Financial statements ............................................................................................................................................... 40 Explanatory notes ................................................................................................................................................... 46 General preparation principles .............................................................................................................................46 Statement of compliance with the international accounting standards ..................................................................46 Uncertainties with regard to the use of estimates for drawing up the interim financial statements ..........................49 Scope of consolidation and methods ....................................................................................................................55 Disclosure on transfers between portfolios of financial assets ...............................................................................57 Fair value disclosure ............................................................................................................................................58 Disclosure on structured credit products ..............................................................................................................64 Results .................................................................................................................................................................. 65 Key financial highlights of the main Group companies ..........................................................................................94 Segment reporting ...............................................................................................................................................95 Disclosure on Banco Popolare shares ...................................................................................................................98 Disclosure on earnings per share .........................................................................................................................98 Disclosure on share-based payment agreements ..................................................................................................99 Business combinations regarding companies or divisions ................................................................................. 100 Transactions with related parties ...................................................................................................................... 100 Significant events after the end of the interim period ......................................................................................... 104 Certification of the half-yearly condensed consolidated financial statements pursuant to art. 81-ter of Consob Regulation no. 11971 of 14 May 1999 and subsequent amendments and additions ...................... 107 Independent Auditors’ Report .................................................................................................................. 111 Attachments ........................................................................................................................................... 115 6 GROUP STRUCTURE: MAIN COMPANIES 100% 8383.4%4% 100%80% BP PROPERTY ALETTI GESTIELLE SGR BANCA ALETTI BANCARELEASE ITALEASE BPMANAGEMENT LUXEMBOURG 100% 1616.6%6% ITALEASE BPSOCIETÀ PROPERTY GESTIONE BENI GESTIONEMANAGEMENT SERVIZI 100% 100% 80% BIPIELLESOCIETÀ REAL ESTATE RELEASE GESTIONE SERVIZI 100% ITALEASE TECMARKET GESTIONE BENI BIPIELLE REAL ESTATE 100% 100% HOLDING ALBA LEASING DI PARTECIPAZIONITECKMARKETTECMARKET 3230.2%8% 100% HOLDING DI PARTECIPAZIONI 100% AGOS DUCATO 39% AGOSALBA LEASINGDUCATO 30.2%39% POPOLARE VITA 2424.4%4% 2525.6%6% AVIPOP ASSICURAZIONI 4949.9%9% 7 GROUP STRUCTURE: BUSINESS LINES INVESTMENT & PRIVATE BANKING CORPORATE CENTRE COMMERCIAL NETWORK ASSET MANAGEMENT LEASING AND OTHER BANCO POPOLARE BANCA ALETTI BANCOBANCA POPOLARE ITALEASE BANCO POPOLARE BPV division (North East) &Y*UBMFBTFQPSGPMJP BPL division (North and GROUP FUNCTIONS Centre) 70.3/)-!-#% BPN division (North West, 7%#30)2)%1/.02&.+). Centre and South) ALETTI GESTIELLE SGR RELEASE 7-12)232).-!+&3-$)-' CB division (Bergamo) RELEASE 7 312.$)!-"!-* ASSOCIATED COMPANIESITALEASE FOREIGN BANKS GESTIONE BENI 7 +"!%!1)-' PRODUCT AND REAL ESTATE COMPANIES 7.#)%29%12).-%%04)6) 7 )/)%++%%!+ 12!2% ASSOCIATED COMPANIES 7 '.1 3#!2.t"HPT%VDBUP 7./.+!0%)2!t"MCB-FBTJOH 7 4)/./ 11)#30!6).-)t1PQPMBSF7JUB t"WJQPQ"TTJDVSB[JPOJ 5TheIF #17BPVEJWJTJPO divisionXPSLTXJUIUIFUSBEFNBSLT 5.0*15)2(2(%20!$%,!0*1 !-#!./.+!0%$)%0.-! !-#.#BODB1PQPMBSFEJ7FSPOB #BODPS.4 Geminiano(FNJOJBOPF e 0.1/%0. !-#.41SPTQFSP #BODP4 .!0#. !-#!./.+!0%$%+0%-2)-.!-$ !11!$))1/!0,).$),BSDP #BODB1PQPMBSFEFM5SFOUJOPBOE$BTTBEJ3JTQBSNJPEJ*NPMB.+! 5TheIF BPL#1- EJWJTJPOdivision XPSLTXJUIUIFUSBEFNBSLT5.0*15)2(2(%20!$%,!0*1 !-#!./.+!0%$).$) !11!$))#BODB1PQPMBSFEJ-PEJ $BTTBEJ3JTQBSNJPEJ1/!0,).$)3##!)1!%)4.0-. !-#.$)-VDDB1JTBF-JWPSOP #BODPEJ ()!4!0)%$%++!)4)%0!)'30% !-#!./.+!0%$) 0%,.-!!-$$IJBWBSJFEFMMB3JWJFSB-JHVSF #BODB1PQPMBSFEJ$SFNPOBBOE# !-#!./.+!0%$) 0%,!BODB1PQPMBSFEJ$SFNB The5IF BPN#1/ EJWJTJPOdivisionXPSLTXJUIUIFUSBEFNBSLT 5.0*15)2(2(%20!$%,!0*1 !-#!./.+!0%#BODB1PQPMBSFEJdi Novara/PWBSBBOE!-$ !-#../.+!0%)#)+)!-.#BODP1PQPMBSF4JDJMJBOP The5IF CB$#EJWJTJPO division XPSLTXJUIUIFUSBEFNBSL5.0*15)2(2(%20!$%,!0* 0%$)2. %0'!,!1#.$SFEJUP#FSHBNBTDP GROUP TERRITORIAL NETWORK Banca Popolare di Verona
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