Credem Group Updated at 09/30/2014 636 5,729 795 271 Founded in 1910 116 € 20.3 billion € 18.5 billion TOP MANAGEMENT € 4.2 billion Chairman Giorgio Ferrari General Manager Adolfo Bizzocchi Deputy general manager Angelo Campani Deputy general manager Nazzareno Gregori € 20.1 billion € 2 billion Branches, corporate centres and financial stores Employees Financial advisors with mandate Creacasa financial subagents Financial agents specialiazed in loans based on the ‘‘cessione del quinto’’* Assets under management Direct customers deposits Insurance reserves Loans to customers Capitalization (at 11/04/2014) *Loans repaid monthly by the employer of the borrower withinstalments equal to one fifth of borrower’s salary 1 Credem group – historical milestones May, 5, 1910 The constitution of the new bank takes place. The company name is Banca Agricola Commerciale 1982 Acquiring of the Belinzaghi bank in Milano 1983 Company name changes from Banca Agricola Commerciale to Credito Emiliano (Credem) 1986 The board of directors nominates Giorgio Ferrari chairman of the bank 1991 - 2003 Credem acquires several banks (like Istituto bancario siciliano and Girgenti bank in 1991, Creditwest bank and Comuni vesuviani bank in 1995 and Banca della provincia di Napoli in 1998) 1993 The Credem Group is established, led by Credito Emiliano Holding company 1994 Credem acquires Euromobiliare group 1997 Credem is listed on the italian stock exchange 2001 Adolfo Bizzocchi is the new general manager 2003 The project of internal development of Credem goes on, especially in Nord-west and through the adriatic ridge 2007 Creacasa, a loan and insurance products company, is launched 2008 The bank concludes the purchase of some branches from Citibank, Unicredit and Banco Popolare Today The Group is made up of 17 companies and capitalises €2 billions* *Source: Borsa italiana (at 11/04/2014) 2 Credem group structure COMMERCIAL BANKING Updated at 09/30/2014 BANCASSURANCE ASSET MANAGEMENT CREDEMVITA Commercial Banking CREDEMLEASING Life Insurance and Pension Fund CREDEMHOLDING Asset Management CREDEMASSICURAZIONI Insurance against Damages Leasing Financial Advisor Holding Company CREDEMTEL Private banking CREDEM INTERNATIONAL LUX CREDEMFACTOR Factoring OTHER BUSINESS Remote banking and Document Management MAGAZZINI GENERALI DELLE TAGLIATE International Private and Corporate Banking Parmesan Cheese Warehousing and Seasoning Sicav Fiduciary Company CREDEM PRIVATE EQUITY SGR Asset Management CREDEM CB Special Purpose Vehicle to be used for the Covered Bond issuing programme as per ex. L. 130/99 CANOSSA CB Special Purpose Vehicle to be used for the Covered Bond issuing programme as per ex. L. 130/99 3 Credem group – local distribution and key data CREDEM Group Number of branches and market share 4 0,4% 72 1,1% 19 0,8% 7 1% 28 0,8% 127 3,8% 8 0,8% 39 1,7% 8 5 0,7% 0,9% 27 1,1% 5 0,6% 3 0,6% 1 0,7% 45 2,7% 50 3,6% 2 0,8% 31 6,1% 09/30/2014 09/30/2013 % Operating income 807.2 737.2 +9.5% Net operating profit 291.7 252 +15.4% Direct deposits 18,484 18,112 +2.1% Assets under management 20,311 16,953 +19.8% Loans to customers 20,107 19,269 +4.3% Net NPLs ratio 1.68% 1.63% - Common Equity Tier 1 ratio * 11.29% 10%** - 128.5 100.3 +28.1% Net profit 62 3,7% Euro million * Basel 3 phased in Updated at 09/30/2014 ** Basel 2 4 Credem group – shareholders’ base Updated at 09/30/2014 Pact among 213 shareholders 2,997 other shareholders 75,24% Credemholding 24,76% Free float Main Credemholding shareholders* % Cofimar S.r.l. 19,97** Max Mara Fashion Group S.r.l. 8,10** Max Mara Finance S.r.l. 8,30 Pictet & Cie S.A. 4,99 Fincorrad S.R.l. 3,35 Eredi Savioli S.r.l. 3,15 Padana Tubi e Profilati Acciaio S.p.a. 2,14 * With individual share ownership more than 2% ** Value for share with voting rights 76,87% Credem SpA 23,13% 5 National ranking Updated at 09/30/2014 NATIONAL CAPITALIZATION RANKING* (EURO BILLION) Banca Intesa 39,1 Unicredit 33,7 UBI Banca 5,6 Banco Popolare Mps 4,1 3,2 Bper 2,8 Bpm 2,6 Banca Generali 2,4 Credem 2 Pop. Sondrio 1,4 Creval Carige 0,9 0,7 Ifis 0,7 Intermobiliare 0,5 *Source: Borsa italiana. Banks with over 0,5 euro billions capitalization at 11/04/2014 6 Top management GIORGIO FERRARI Chairman of Credem since 1992, chairman of Credito Emiliano Holding since 1986 Other current positions: ¾ chairman of Credemvita; ¾ deputy-chairman of Credemassicurazioni; ¾ member of Euromobiliare asset management Sgr and Banca Euromobiliare Board of Directors. Download here ADOLFO BIZZOCCHI Credem general manager since 2001. Other current positions: Download here ¾ chairman of Credemtel; ¾ deputy-chairman of Credemvita; ¾ member of Credemfactor, Credemleasing, Banca Euromobiliare, Credemassicurazioni and Creacasa Board of Directors 7 Board Board of directors (appointed on 2012 - 2013 – 2014) chairman deputy chairman members Giorgio Ferrari Ignazio Maramotti * Lucio Zanon di Valgiurata * Romano Alfieri Enrico Corradi * Giorgia Fontanesi Ugo Medici * Ernestina Morstofolini ** Benedetto Renda Paola Schwizer ** Corrado Spaggiari ** Giovanni Viani Board of statutory auditors (on 2013 - 2014 – 2015) chairman Giulio Morandi statutory auditors Maurizio Bergomi Maria Paglia alternate auditors Gianni Tanturli Tiziano Scalabrini * Members of the executive committee ** Indipendent directors ex art. 148, comma 3, D.Lgs. nr. 58/1998 (TUF)) 8 Credem group – photos Spalletti Trivelli palace – Credem headquarters Download here Download here Download here 9 Contacts: Media Relations Credem 0522 582075 – 02 77426202 [email protected] www.credem.it For further informations please click here The manager responsible for preparing the company’s financial reports of Credito Emiliano S.p.A. Paolo Tommasini, declares, pursuant to paragraph 2 of Article 154 bis of the Consolidated Law on Finance, that the accounting information contained in this presentation corresponds to the document results, books and accounting records. 10
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