Prospectus UBI Banca Covered Bond Programme

Prospectus
Calabria, Vibo Valentia, Brindisi; and a significant presence in the provinces of Milan (246 branches
with a 9.4 per cent. market share) and of Rome (83 branches with a 4.0 per cent. market share).
The Parent Bank— UBI Banca S.c.p.A.
The UBI Banca performs the following activities within the UBI Banca Group:
• management, co-ordination and control by setting Group polices, formulating the Group business model
and drawing up the budget and consolidated Business Plan. It also performs risk management activities
for the individual business areas of the Group;
• control of business functions and support of the activities of network banks and product companies in
their core business, with supervision of both markets and customer segments. UBI Banca ensures that
business initiatives and commercial policies are consistent, co-ordinates the development and
management of the range of products and services, manages group finances centrally and supervises the
lending policies of the UBI Banca Group; and
• the provision, whether directly or through subsidiaries, of business support services, with the aim of
facilitating business growth and providing effective customer service by optimising operating costs
through economies of scale and ensuring that service levels meet the highest industry standards.
UBI Banca also perform its commercial activity through 2 branches, in Bergamo and Brescia.
The Network Banks
Management is of the view that local presence guarantees more accurate interpretation of trends on the ground,
faster decision-making and encourages and improves customer loyalty and the management of credit risk. As a
consequence, it is necessary to enhance the identities and brand names of individual local banks. The network
banks operate in their original local markets with the objective of consolidating and broadening customer
relations and maximising the economic value and the quality of the services they provide at local level.
The network banks are divisionalized (retail, corporate and private) and their customer base is segmented to
allow specific service models to be employed for each customer segment (Mass Market, Affluent, Private, Poe
-Piccoli Operatori Economici, Small Economic Operators -, Small Business, Low, Mid and Large Corporate).
The network banks use services and instruments (e.g. CRM), and offer services and products, made available by
UBI Banca and the product companies.
Product Companies
• The product companies' role is to optimise the quality, breadth of range and value for money of their
products and services, concentrating and rationalising the specialist expertise of the UBI Banca Group.
Thanks to the contribution of the two original Groups, UBI Banca is now active, through its product
companies, in a number of different specialist sectors, namely asset management, life and non-life
bancassurance, consumer finance, leasing, factoring, corporate banking and online trading.
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