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UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015

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UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015 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. Luxembourg Account Provider UBI Banca International S.A. (*) Please be informed that UBI Banca Private Investment changed the company's name in IW Bank S.p.A following the merger with IW Bank on 25th of May. (**) 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 5.486.880,00 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= € 2.754.221.552,79 Adjusted Outstanding Principal Balance B= € 91.990.837,42 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= € 114.324.968,49 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 € 301.887.421,72 Result of the overcollateralisation in the Nominal Value Test NPV Test NPV Cover Pool = A + B € 2.825.284.448,39 A € 2.825.284.448,39 NPV Assets plus Top Up Asset B € 0 NPV Asset Swap and Liability Swap NPV Cover Bond € 2.537.772.891,00 TEST NPV Cover Pool > NPV Cover Bond Pass Pass / Fail 1 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015 Interest Cover Test A= € 17.640.266,02 Interest on Interest Account B= € 0,00 Asset Swap Differential C= € 51.922.306,26 Interest due in the next 12 months D= € 34.862.132,80 Interest Payments due under all outstanding Series of Covered Bonds E= € 2.446.093,71 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 € 109.631.103,44 Recoveries - Other - TOTAL Top-up Assets € 109.631.103,44 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 Accounts at 31/07/2015 (opened with Luxembourg Account Bank) PrincipalAccount € 85.369.406,47 Interest Account € 6.894.732,63 Reserve fund € 10.144.972,73 Total € 102.409.111,83 Credit Ratings at 31/07/2015 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 € 3.217.690.861,63 Aggregate original Principal Outstanding Balance € 5.534.715.061,50 Average current Principal Outstanding Balance € 119.714,67 Average original Principal Outstanding Balance € 205.919,90 Maximum current Principal Outstanding Balance € 14.257.640,06 Maximum original Principal Outstanding Balance € 38.000.000,00 Total number of Loans 26.878 Weighted average seasoning (months) 75,32 Weighted average remaining maturity (months) 141,16 Weighted average original term (months) 216,48 Weighted average Current LTV (%) - indexed 38,17% Weighted average Original LTV (%) 56,42% Weighted average interest rate (%) 2,05% % of Floating Rate Assets (By Outstanding Balance) 89,04% % of Fixed Rate Assets (By Outstanding Balance) 10,96% Collateral Currency EUR 2 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015 Current Loan Amount / Current Market Value (indexed) Number of Loans % Current Balance % 0% - 20% 8.984 33,43% 615.884.773,90 19,14% 20% - 30% 4.709 17,52% 550.537.148,12 17,11% 30% - 40% 4.501 16,75% 652.122.563,68 20,27% 40% - 50% 3.752 13,96% 610.802.001,06 18,98% 50% - 60% 2.700 10,05% 452.491.070,49 14,06% 60% - 70% 1.148 4,27% 139.903.031,18 4,35% 70% - 80% 887 3,30% 124.741.279,18 3,88% >80% 197 0,73% 71.208.994,02 2,21% 26.878 100,00% 3.217.690.861,63 100,00% Outstanding Loan Amount Number of Loans % Current Balance % 0 - 37,500 8.141 30,29% 152.572.477,91 4,74% 37,501 - 75,000 7.094 26,39% 391.820.068,95 12,18% 75,001 - 100,000 3.424 12,74% 296.829.116,31 9,22% 100,001 - 150,000 4.009 14,92% 488.686.226,05 15,19% 150,001 - 200,000 1.525 5,67% 262.989.862,90 8,17% 200,001 - 250,000 782 2,91% 173.855.818,67 5,40% 250,001 - 500,000 1.118 4,16% 384.662.145,49 11,95% > 500,000 785 2,92% 1.066.275.145,35 33,14% 26.878 100,00% 3.217.690.861,63 100,00% Interest Type (*) Number of Loans % Current Balance % Fixed rate 3.966 14,76% 352.793.325,73 10,96% Floating rate 22.912 85,24% 2.864.897.535,90 89,04% 26.878 100,00% 3.217.690.861,63 100,00% (*) "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 26.878 100,00% 3.217.690.861,63 100,00% Other Currencies 0 0,00% 0,00 0,00% 26.878 100,00% 3.217.690.861,63 100,00% Originator Number of Loans % Current Balance % Banca Carime 3.199 11,90% 288.251.361,39 8,96% Banca della Valle Camonica 640 2,38% 99.884.894,99 3,10% Banco di Brescia 4.861 18,09% 711.704.473,50 22,12% Banca Pop. Comm. e Industria 2.919 10,86% 321.386.781,78 9,99% Banca Pop. di Ancona 4.388 16,33% 549.827.133,91 17,09% Banca Regionale Europea 4.722 17,57% 590.896.169,97 18,36% Banca Pop. di Bergamo 6.149 22,88% 655.740.046,09 20,38% 26.878 100,00% 3.217.690.861,63 100,00% Maturity Date Number of Loans % Current Balance % 2009 - 2012 3 0,01% 78.464,56 0,002% 2013 - 2017 3.265 12,15% 104.719.633,48 3,25% 2018 - 2022 8.008 29,79% 844.822.702,52 26,26% 2023 - 2027 7.476 27,81% 1.016.871.219,82 31,60% 2028 - 2032 4.021 14,96% 642.396.417,00 19,96% 2033 - 2037 2.097 7,80% 308.959.085,51 9,60% 2038 - 2042 1.685 6,27% 248.079.182,13 7,71% 2043 - 2047 300 1,12% 44.325.181,48 1,38% > 2047 23 0,09% 7.438.975,13 0,23% 26.878 100,00% 3.217.690.861,63 100,00% Original Loan Amount / Original Market Value (*) Number of Loans % Current Balance % 0% - 20% 2.671 9,94% 288.459.034,07 8,96% 20% - 30% 2.893 10,76% 308.405.023,49 9,58% 30% - 40% 3.730 13,88% 460.860.549,12 14,32% 40% - 50% 4.501 16,75% 605.011.925,64 18,80% 50% - 60% 4.288 15,95% 574.087.574,85 17,84% 60% - 70% 3.268 12,16% 431.312.263,06 13,40% 70% - 80% 2.838 10,56% 310.481.743,22 9,65% > 80% 2.689 10,00% 239.072.748,18 7,43% 26.878 100,00% 3.217.690.861,63 100,00% (*) It refers to the LTV at the time of granting the loan 3 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report at 31/07/2015 Seasoning (months) Number of Loans % Current Balance % 0 - 12 220 0,82% 36.436.818,53 1,13% 12 - 24 866 3,22% 143.723.966,57 4,47% 24 - 48 3.155 11,74% 475.152.994,41 14,77% 48 - 72 5.754 21,41% 937.655.476,81 29,14% 72 - 96 5.251 19,54% 801.818.517,17 24,92% 96 - 170 10.376 38,60% 795.272.713,79 24,72% > 170 1.256 4,67% 27.630.374,35 0,86% 26.878 100,00% 3.217.690.861,63 100,00% Payment Number of Loans % Current Balance % Monthly 22.776 84,74% 2.352.832.201,05 73,12% Quarterly 776 2,89% 340.781.364,94 10,59% Semi-Annual 2.961 11,02% 488.602.391,78 15,18% Annual 28 0,10% 2.852.177,48 0,09% Other 337 1,25% 32.622.726,38 1,01% 26.878 100,00% 3.217.690.861,63 100,00% Geographical Distribution Number of Loans % Current Balance % Piemonte 3.137 11,67% 391.309.465,17 12,16% Valle D'Aosta 37 0,14% 3.542.665,44 0,11% Lombardia 11.953 44,47% 1.435.034.153,94 44,60% Trentino Alto Adige 20 0,07% 3.395.986,65 0,11% Veneto 428 1,59% 57.944.327,31 1,80% Friuli Venezia Giulia 90 0,33% 8.796.863,72 0,27% Liguria 1.472 5,48% 191.134.446,09 5,94% Emilia Romagna 563 2,09% 107.794.581,04 3,35% Toscana 103 0,38% 42.891.631,74 1,33% Umbria 406 1,51% 45.881.760,74 1,43% Marche 1.953 7,27% 223.223.877,75 6,94% Lazio 1.828 6,80% 220.483.222,61 6,85% Abruzzo 388 1,44% 39.342.936,77 1,22% Molise 156 0,58% 12.523.095,24 0,39% Campania 1.276 4,75% 168.380.885,30 5,23% Puglia 1.202 4,47% 123.869.793,57 3,85% Basilicata 259 0,96% 22.301.254,19 0,69% Calabria 1.514 5,63% 112.012.096,19 3,48% Sicilia 19 0,07% 1.840.764,14 0,06% Sardegna 74 0,28% 5.987.054,03 0,19% 26.878 100,00% 3.217.690.861,63 100,00% Current and delays Number of Loans % Current Balance % Current <= 1m 25.386 94,45% 2.935.864.294,78 91,24% 1<=2m 308 1,15% 37.865.508,00 1,18% 2<=3m 89 0,33% 12.684.092,45 0,39% 3<=6m 198 0,74% 30.191.206,13 0,94% 6<=12m 253 0,94% 35.975.206,99 1,12% >=12 644 2,40% 165.110.553,28 5,13% 26.878 100,00% 3.217.690.861,63 100,00% 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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