February 2011 - Gruppo Banca Carige

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Table of ContentsIssuer descriptionItalian mortgage marketGruppo Carige’s mortgage businessBanca Carige OBG ProgrammeCover Pool DescriptionAnnexe : Italian OBG Law vs. European Covered Bond FrameworkGRUPPO CARIGE 20
€mOrigination StatisticsResidential mortgages (€m)120100806040200Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2008 2009 2010RESIDENTIAL 2008 2009 2010Jan 85,5 34,4 41,6Feb 81,0 30,5 48,8Mar 71,9 42,9 59,7Apr 72,9 41,4 56,2May 73,8 50,8 63,4Jun 80,4 59,0 66,1Jul 99,7 83,7 73,0Aug 32,5 18,6 17,4Sep 77,6 50,3 56,8Oct 96,0 57,0 49,7Nov 70,3 55,7 56,5Dec 63,8 69,4 75,9Total 905 594 665Commercial mortgages (€m)400,0350,0300,0250,0200,0150,0100,050,0-Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2008 2009 2010COMMERCIAL 2008 2009 2010Jan 44,8 43,5 136,6Feb 82,5 54,8 78,5Mar 46,5 167,0 69,6Apr 48,2 125,2 84,0May 62,7 280,4 81,0Jun 67,5 265,6 110,3Jul 240,2 361,2 109,5Aug 63,8 37,8 23,6Sep 89,9 61,7 47,7Oct 227,5 153,7 88,8Nov 186,5 53,0 92,7Dec 294,1 102,7 179,31.454 1.707 1.102Sources: Operational data as at 31 December 2010All figures refer to volume of originated mortgagesGRUPPO CARIGE 21
Page 1 and 2: GRUPPO CARIGEProgramme andCovered B
Page 3 and 4: Table of ContentsIssuer description
Page 5 and 6: Among the top Italian banking Group
Page 7 and 8: €mCustomer based funding and no p
Page 9 and 10: with sound credit qualityBreakdown
Page 11 and 12: Stable net profitNet profit (€m)R
Page 13 and 14: 3Q10 - Economic resultsNET PROFIT (
Page 15 and 16: The mortgage market in ItalyIn rece
Page 17 and 18: ForecastItaly’s macroeconomic ove
Page 19: Mortgage and RMBS SnapshotEuropean
Page 23 and 24: The underwriting processDATA COLLEC
Page 25 and 26: Overview of the Scoring System• C
Page 29 and 30: Summary of the programmeIssuerSelle
Page 31 and 32: Asset MonitorStructural overviewIta
Page 33 and 34: Mandatory testsNominalValue Test‣
Page 37 and 38: Total Porftfolio BreakdownCommercia
Page 39 and 40: Residential Portion Breakdown/2Curr
Page 41 and 42: Commercial Portion Breakdown/2Curre
Page 43 and 44: The last segregation (21 February 2
Page 45 and 46: Italian Covered Bond Legal Framewor
Page 47 and 48: European Overview on Covered Bond F
Page 49: ContactsDaria BagnascoDeputy Genera

February 2011 - Gruppo Banca Carige

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