February 2011 - Gruppo Banca Carige

Bank of Italy RequirementsPursuant to Bank of Italy supervisory regulation (dated 15 May 2007), OBG may only be issued bybanks with: minimum consolidated regulatory capital of € 500m,minimum Total Capital Ratio of 9%, and minimum Tier 1 Ratio of 6%.In addition the transfer of assets to the cover pool is subject to certain limits based on the bank’s totalcapital and Tier 1 ratios:TCR ≥ 11%T1R ≥ 7%10% ≤ TCR < 11%T1R ≥ 6.5%9% ≤ TCR < 10%T1R ≥ 6%No limitsUp to 60% of the availableeligible assetsUp to 25% of the availableeligible assetsCarigeRatiosFY09 3Q10(*) 3Q10PF(**)T1R 7.87% 6.84% 8.12%TC R 10.03% 9.31% 10.59%(*) Operational data(**) Including the full conversion of the convertiblebonds at current share priceSources: Bank of Italy, Banca CarigeGRUPPO CARIGE 28