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UBI Banca: Interim Financial Report As at and for the Period Ended 30Th

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UBI Banca: Interim Financial Report As at and for the Period Ended 30Th Interim financial report as at and for the period ended 30th June 2019 Translation from the Italian orginal which remains the definitive version Unione di Banche Italiane Società per azioni UBI Banca Spa in abbreviated form Head Office and General Management: Piazza Vittorio Veneto 8, Bergamo (Italy) Operating offices: Brescia, Bergamo and Milan Member of the Interbank Deposit Protection Fund and the National Guarantee Fund A member of the UBI VAT Group with VAT No. 04334690163 Tax Code and Bergamo Company Registration No. 03053920165 ABI (Italian Banking Association) 3111.2 Register of Banks No. 5678 Register of Banking Groups No. 3111.2 Parent of the Unione di Banche Italiane Banking Group Share capital as at 30th June 2019 Euro 2,843,177,160.24 fully paid up Certified email address (P.E.C.): [email protected] www.ubibanca.it Contents UBI Banca: company officers ....................................................................................................................... 5 UBI Banca Group: the main investments as at 30th June 2019 ............................................................. 6 UBI Banca Group: branch network as at 30th June 2019 .................................................................. 7 UBI Banca Group: key figures and performance indicators ...................................................................... 8 The rating ....................................................................................................................................................... 10 INTERIM CONSOLIDATED MANAGEMENT REPORT AS AT AND FOR THE PERIOD ENDED 30TH JUNE 2019 ▪ The macroeconomic scenario ...................................................................................................... 14 ▪ Significant events in the first half of 2019 ............................................................................................ 22 - The new governance ............................................................................................................................ 22 - The trade union agreement of 27th March and 9th May 2019 ................................................................. 26 - The 2018 SREP . ................................................................................................................................. 26 - Update to the Non-Performing Loans Strategic Plan ............................................................................. 27 - Developments in the regulatory framework .......................................................................................... 28 ▪ The distribution network and market positioning ....................................................................... 33 ▪ Human resources ....................................................................................................................... 37 ▪ Reclassified consolidated financial statements, reclassified income statement net of the most significant non-recurring items and reconciliation schedules ............................................................ 40 ▪ The consolidated income statement ...................................................................................................... 51 ▪ General banking business with customers: funding ........................................................................... 62 - Total banking funding ......................................................................................................................... 62 - Direct banking funding ........................................................................................................................ 63 - Indirect banking funding and assets under management ..................................................................... 69 - Insurance deposits and technical reserves ........................................................................................... 72 ▪ General banking business with customers: lending ............................................................................ 74 - Loans and advances to customers measured at fair value through profit or loss ................................... 74 - Loans and advances to customers measured at amortised cost ............................................................ 75 - Performance of the loan portfolio ................................................................................................... 75 - Risk .............................................................................................................................................. 80 ▪ The interbank market and the liquidity position ................................................................................. 87 ▪ Financial activities ................................................................................................................................... 92 ▪ Equity and capital adequacy ..................................................................................................................................... 110 ▪ Information on share capital, share performance, dividends paid and earnings per share ................ 117 ▪ Information on risks and on hedging policies .............................................................................. 122 - The principal risks and uncertainties for the second half of the year ..................................................... 132 ▪ Consolidated companies: the principal figures ............................................................................ 138 ▪ Transactions with related parties and with connected persons .................................................... 141 ▪ Other information ...................................................................................................................... 144 - Inspections and legal proceedings ........................................................................................................ 144 - Tax aspects ......................................................................................................................................... 149 ▪ Outlook for consolidated operations ........................................................................................... 151 CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS AS AT AND FOR THE PERIOD ENDED 30TH JUNE 2019 Mandatory interim consolidated financial statements as at and for the period ended 30th June 2019 ........................................................................................................................................... 155 ▪ Consolidated Balance Sheet .................................................................................................... 156 ▪ Consolidated Income Statement .............................................................................................. 158 ▪ Consolidated statement of comprehensive income ................................................................... 159 ▪ Statement of changes in consolidated equity ........................................................................... 160 3 ▪ Consolidated statement of cash flows ......................................................................................... 162 Explanatory notes ........................................................................................................................... 163 ▪ Accounting policies .................................................................................................................... 164 - Basis of preparation ............................................................................................................................... 164 - Other aspects ........................................................................................................................................ 168 - Information on transfers between portfolios of financial assets ............................................................... 181 - Information on fair value ........................................................................................................................ 181 - Information on “day one profit/loss” ....................................................................................................... 183 ▪ The scope of consolidation .......................................................................................................... 184 ▪ Information on the accounts ...................................................................................................... 188 - Explanatory tables for the consolidated income statement ...................................................................... 188 - Explanatory tables for the consolidated balance sheet ............................................................................ 193 . Assets ................................................................................................................................................. 193 . Liabilities ............................................................................................................................................ 197 - Litigation ............................................................................................................................................... 201 - Segment reporting ................................................................................................................................. 205 - Transactions with related parties pursuant to IAS 24 ............................................................................. 208
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