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PRESS RELEASE UBI Group (UBI Banca + 3 Acquired Banks)

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PRESS RELEASE UBI Group (UBI Banca + 3 Acquired Banks) PRESS RELEASE UBI Group (UBI Banca + 3 Acquired Banks) results for the period ended 31st December 2017 Solid capital ratios - Fully loaded consolidated CET1 ratio1 of 11.43% (11.54% as at 30th September 2017), inclusive of the update of the historical data series (-27 bps) and two synthetic securitisations of performing loans (+23 bps), in accordance with the Business Plan It should be recalled that the 3 Acquired Banks are included under the standardised approach; roll-out of the IRB model is expected in 2018 - The CET1 ratio includes a proposal to pay a dividend of 11 eurocents per share, on a total dividend pay-out of €125.5 million (€107.1 million in 2016) - LCR and NSFR > 100% - Leverage ratio of 5.85% phased-in and 5.78% fully loaded (5.82% and 5.77% respectively as at 30th September 2017) First indications regarding IFRS9 - The sale of a substantial package of non-performing loans over the next three years was decided in order to accelerate the achievement of a gross non-performing loan ratio of less than 10% between 2019 and 2020, depending on market conditions - The First Time Adoption impact on CET1 will therefore affect loans in “stage 2” (envisaged in the Business Plan) and “stage 3” (not envisaged in the Business Plan) - The fully loaded impact of First Time Adoption of IFRS 9 is expected, inclusive of all the components envisaged, to total approximately -12 bps on the CET12 - The Group has decided to opt for adhesion to the transitional provisions which allow the phase-in of IFRS9 over five years3, thereby rendering the impact of FTA lower than -1 basis point for 2018. Positive operating results in 2017 (UBI Banca 12 months + 3 Acquired Banks 9 months): - Profit for the year for the enlarged Group of €690.6 million (compared with a loss of €830.2 million for UBI Stand-Alone in 2016) - Profit for the enlarged Group net of non-recurring items of €188.7 million4 (compared with a loss of €474.4 million for UBI Stand-Alone in the 2016) 1 The fully loaded CET1 ratio does not include the effect of the use of the DTAs of the 3 Acquired Banks, estimated at approximately €550 million. The phased-in CET1 ratio amounts as at 31 December 2017 to 11.56% (11.65% in September 2017). The SREP ratio for 2018 is 8.625%. 2 Please also refer to the paragraph IFRS9: First Time Adoption on page 9 3 These transitional provisions are set by Regulation (EU) 2017/2395 of the European Parliament and Council, which amends Regulation No. 575/2013 (the “CRR”). The benefit of the transitional provisions is recognised for a period of 5 years, according to decreasing quotas (95% in 2018, 85% in 2019, 70% in 2020, 50% in 2021, 25% in 2022). 4 The main non-recurring items in 2017, net of taxes and non-controlling interests are as follows: a profit of €37.4 million on the disposal of held-to-maturity investments; costs of €33.3 million for the project to integrate the three acquired banks; costs of €6.6 1 4Q 2017 / 3Q 2017: operations performed positively in the first months of the integration of the 3 acquired banks - 4Q profit net of non-recurring items of €21.4 million compared with €37.3 million in 3Q 2017 4Q stated result of -€11.9 million (+€6.3 million in 3Q 2017) - Operating income of €983.2 million and net operating income of €345.6 million, both recording an increase compared with 3Q 2017 (+14.8% and +53.5% respectively) and with 2Q 2017 (+4.5% and +13.5% respectively) - Net interest income of €478.9 million (inclusive of the TLTRO2 effect amounting to €68.8 million recognised in 4Q 2017) compared with €402.5 million in 3Q 2017. Excluding the TLTRO2 effect, net interest income was up for the third consecutive quarter to €410.1 million (€402.5 million in 3Q 2017 and €398.1 million in 2Q 2017) as a result of good performance by the contribution from general banking business with customers, which rose to €376 million (€368 million in 3Q 2017 and €356 million in 2Q 2017) - Net fee and commission income of €395 million (€389.8 million in 3Q 2017 and €410.5 million in 2Q 2017). Net of performance fees and up-front fees, recurring fees and commissions grew to €344.4 million compared with €339.4 million in 3Q 2017, largely in line with €349.4 million in 2Q 2017, notwithstanding the impact of the integration of the acquired banks and the changes to customer portfolios that took place in 4Q 2017 - Operating expenses stood at €637.5 million, with no significant changes, notwithstanding seasonal factors, compared with €631.3 million in 3Q 2017 and €636.2 million in 2Q 2017 as a result of savings on costs achieved by UBI. Furthermore, operating expenses are still not fully benefiting from staff redundancies that took place during the year (a total of 1,379 staff5), which will be added to in 2018 by around 550 redundancies planned under trade union agreements signed - Net impairment losses on loans of €310.7 million. This figure is impacted by the effects, up to now recognisable, of the inspection in progress by the ECB on the corporate loan portfolio (Specialised Lending, Large Corporates, Small Businesses, with the exclusion of Retail businesses) of the Group (UBI Banca, UBI Leasing and UBI Factor, performing and non-performing). The procedure, commenced at the end of September 2017, will be concluded in the first part of 2018. On the basis of evidences collected up to now by the Bank, the substantial accuracy of the classification of the loans analysed, both performing and non-performing, appears to be confirmed. - For 2017, net impairment losses on loans stood at 79 basis points of total loans, notwithstanding a higher 4Q 2017 million for the Single Bank Project; early staff exit costs of €41.1 million; write-down of the Atlante Fund investment amounting to €64.7 million; Interbank Deposit Protection Fund intervention expenses of €28.1 million; impairment losses of €2.9 million on property, plant and equipment. Badwill must be added to the items mentioned above: following the final allocation this amounts to €640.8 million (€616.2 million in September 2017 and 612.3 million in June 2017 in relation to the then still provisional allocation of this item). 5 Approximately 700 staff recruited during the year. 2 Balance sheet figures (UBI Banca+3 Acquired Banks) compared with 31st December 2016: - Net lending to customers of €92.3 billion, down €1.4 billion compared with December 2016, essentially due to a reduction in net non-performing loans, down €1.1 billion on December 2016 to €8.2 billion (8.8% of total net loans compared with 9.9% in December 2016) - Gross non-performing loans of €13.8 billion (-4% vs €14.4 billion as at 31st December 2016) accounting for 14.03% of total gross loans. Following the final allocation of badwill which took place in 4Q 2017, steps were taken to recognise loans from the 3 acquired banks at fair value as at the date of acquisition, which is to say at the purchase price (gross value - impairment – badwill allocated), indicating solely the net book value, in accordance with IFRS 3 for Business Combinations6. Following that recognition, gross non-performing loans as at 31st December 2017 amounted to €12.7 billion, accounting for 13.01% of total gross loans. - Assets under management + banc assurance of €65.4 billion, +11.7% vs €58.6 billion as at 31st December 2016 and further growth of 2.7% compared with September 2017. - Total funding from ordinary Group customers7 (direct and indirect) of €176.9 billion, notwithstanding the derecognition of €4.1 billion relating to the sale of UBI International in 4Q 2017 (€176.1 billion in December 2016). * * * Bergamo, 8th February 2018 – The Management Board of Unione di Banche Italiane Spa has approved the proposed separate and consolidated Annual Reports for the year ended 31st December 2017, inclusive of a proposal to distribute a dividend per share of €0.11 on the 1,141,300,266 ordinary shares outstanding (net of treasury shares repurchased), to give a maximum dividend pay- out of €125.5 million, drawn from the extraordinary reserve, which will be submitted for approval to the Supervisory Board on 6th March 2018. That proposal will be submitted to a shareholders meeting that will be held in a single session on 6th April 2018. If approved by the Shareholders’ Meeting in the amount proposed, the dividend will be paid with ex dividend date, record date and payment date on 21st, 22nd and 23rd May 2018 respectively. The operating performance of the Group From 1st April 2017, and therefore for three quarters, the consolidated results of the UBI Group for the financial year 2017 include the three recently acquired banks. Following the mergers of Banca Adriatica and Banca Tirrenica - and the relative banking subsidiaries - into UBI Banca, which took place in the fourth quarter of 2017, the disaggregated figures for UBI 6 IFRS 3 – Business combinations – Appendix B – Application guidance Assets with uncertain cash flows (valuation allowances) B41 The acquirer shall not recognise a separate valuation allowance as of the acquisition date for assets acquired in a business combination that are measured at their acquisition-date fair values because the effects of uncertainty about future cash flows are included in the fair value measure. For example, because this IFRS requires the acquirer to measure acquired receivables, including loans, at their acquisition-date fair values, the acquirer does not recognise a separate valuation allowance for the contractual cash flows that are deemed to be uncollectible at that date.
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