February 2011 - Gruppo Banca Carige

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Cover Pool Highlights at 31 December 2010TOTAL PORTFOLIO RESIDENTIAL PORTION COMMERCIAL PORTIONBalance (€) 3,422,767,928 3,289,833,098 132,934,830% of Pool 100.0% 97.2% 2.8%Number of Loans 36,573 35,547 1,026Average Loan Balance (€) 93,587 92,549 129,566WA Term at mortgage granting (Months) 249.65 252.79 172.00WA Remaining Term (Months) 213.61 218.75 86.18Number of Borrowers 35,483 35,424 988WA CLTV 50.23% 51.36% 23.28%Percentage of Floating Rate Mortgages 67.22% 66.37% 96.59%WA Interest Rate on Floating Rate Loans (%) 2.57% 2.57% 2.49%WA Margin on Floating Rate Loans (bps) 150 151 146WA Interest Rate on Fixed Rate Loans (%) 5.55% 5.55% 5.82%Currency Euro Euro EuroFigures refer to volume of outstanding mortgages - Data as at 31 December 2010GRUPPO CARIGE 36
Total Porftfolio BreakdownCommercial/ResidentialGeographical distributionCommercialSouth &2,8% CentreIsles9,7%10,5%Residential97,2%North79,8%Current LTV90 - 10080 - 9070 - 8060 - 7050 - 6040 - 5030 - 4020 - 3010 - 20
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 and 20: Mortgage and RMBS SnapshotEuropean
Page 21 and 22: €mOrigination StatisticsResidenti
Page 23 and 24: The underwriting processDATA COLLEC
Page 25 and 26: Overview of the Scoring System• C
Page 27 and 28: Table of ContentsIssuer description
Page 29 and 30: Summary of the programmeIssuerSelle
Page 31 and 32: Asset MonitorStructural overviewIta
Page 33 and 34: Mandatory testsNominalValue Test‣
Page 35: Table of ContentsIssuer description
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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