Your contacts: UBI Banca domestic Your network Italian Banking Group UBI Banca Head Ofﬁce for your International Business. 8, Piazza Vittorio Veneto - 24122 Bergamo ITALY Gianluca TROMBI Marco D’ESTE Head of International Division Head of Institutional Banking Telephone +39 030 24731 marco.d’firstname.lastname@example.org Fax +39 030 2473625 email@example.com Sergio SILVA BARRADAS Head of International Development firstname.lastname@example.org Subsidiaries Telephone e-mail UBI Banca International +352 46 13411 email@example.com Banque de Dépôts et de Gestion +41 32 7276740 firstname.lastname@example.org Financiera Veneta EFC +34 91 5865673 ettore.pezzuto@ﬁnancieraveneta.es Corporation Financière Européenne +41 22 3125910 info@cfe-ﬁnance.com Gestioni Lombarda (Suisse) +41 91 9930125 email@example.com Branches Telephone e-mail Luxembourg +352 46 95691 firstname.lastname@example.org Munich +49 89 2900610 email@example.com Menton +33 49 37118100 firstname.lastname@example.org Nice +33 49 7036080 email@example.com Representative Ofﬁces Telephone e-mail Hong Kong +852 28 787393 firstname.lastname@example.org London +44 207 3742676 email@example.com Mumbai +91 22 24368186 firstname.lastname@example.org Sao Paulo +55 11 30630454 email@example.com Shanghai +86 21 62490066 firstname.lastname@example.org Singapore +65 67 335127 email@example.com A leading co-operative UBI Banca Group UBI Banca foreign Banking Group in Italy international mission presence... UBI Banca is a cooperative banking Group resulting from the merger of two strong regional Direct presence in 11 countries... we are where our customers need us! Groups (BPU Banca e Banca Lombarda e Piemontese). UBI Banca is the fourth Italian banking Group with a market share of 6.3% and a signiﬁcant At UBI Banca we are committed to providing our clientele with a wide range of products and presence in the wealthiest areas of the country. Listed on the Milan Stock Exchange UBI services to ensure full coverage of their international requirements. We provide personalized Banca is included into S&P/MIB index. import/export services, state-of-the-art transaction processing and have the ﬂexibility to devise tailor-made solutions for our customers. Multi-functional, federal and integrated model Through our excellent services and with the support of the many correspondent arrangements UBI Banca : parent company we have in place with leading international banks, we can arrange bespoke solutions to meet our clients’ needs. Listed parent company with strong co-operative identity and new name Headquarter in Bergamo, main functions in Bergamo and Brescia Dualistic governance model: Supervisory Board and Management Board Our services for private, corporate and retail customers encompass: Mission Advising/conﬁrming and discounting of L/Cs Cash Management and Payments Management, co-ordination and control Stand by/Performance Letter of Credits Private Banking Main support services Bank Guarantees Asset Management and Wealth Advisory Import/Export Trade Finance Offshore banking Non Resident A/Cs Advisory services from UBI International network Bank networks: Product factories: leveraging on brand identities cross-selling of best practice products International remote banking and strong local relationships across entire client base of new group Mission Mission At UBI Banca we can also provide a full range of products and services to cater for the needs Presence in reference markets Competitive product and services offering, of International Correspondents and Financial Institutions worldwide: in line with market best practice ...to support our clientele Distinctive capability to understand and serve local economies Correspondent account in EURO ALM Commercial Payments Bank-to-Bank payments Drivers Drivers international growth (low value and mass payments) Service model differentiated by customer segment Continuous product innovation Commercial and Treasury credit facilities Draft Clearing and Cash Letter service Sharing of the same organizational structure Ability to listen to distribution network requirements Forex & Treasury Services RIBA Collection (encashment of receivables) Sharing of tools and services provided by parent bank Treasury clearing CORPORATE PRIVATE GROUP KEY FIGURES as at 31st December 2006 UBI Banca RATINGS Luxembourg Menton Lausanne UBI Banca International Banca Regionale Europea - branch Banque de Dépôts et de Gestion Total Assets 117.3 bn ¤ FITCH RATINGS STANDARD & POOR’S MOODY’S Banco di Brescia - branch Hong Kong Lugano Shareholders’ equity (excluding proﬁt for the period) 10.2 mn ¤ Short-term Issuer F1 Short-term Counterparty A-1 Long term debt A1 Munich Rep. Ofﬁce Gestioni Lombarda (Suisse) Default Rating Credit Rating and deposit ratings Sao Paulo Singapore Lending to customers (+10.2%) 83.1 bn ¤ Banca Popolare di Bergamo - branch Long-term Issuer A Long-term Counterparty A Short term debt Prime-1 Rep. Ofﬁce Rep. Ofﬁce Total funding (direct + indirect +6.9%) 180.5 bn ¤ Madrid Default Rating Credit Rating and deposit ratings Mumbai Shanghai Financiera Veneta EFC Rep. Ofﬁce Direct funding (+9.3%) 85.9 bn ¤ Individual rating B/C Financial strength rating C Lombarda China Fund Management Geneva Shanghai Jersey Indirect funding (+4.8%) 94.6 bn ¤ Support rating 2 Corporation Financière Européenne Rep. Ofﬁce UBI Trust Company Limited Assets under management (+6.1%) 55.4 bn ¤ Support rating ﬂoor BBB Nice London of which: insurance policies (+10.3%) 12.2 bn ¤ Banca Regionale Europea - branch Rep. Ofﬁce Outlook POSITIVE Outlook POSITIVE Outlook POSITIVE Net proﬁt (up by 3.4%) 951 mn ¤ ...and 56 Co-operation agreements with local Institutions in more than 30 countries.