February 2011 - Gruppo Banca Carige

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DisclaimerThis document has been prepared by Banca Carige SpA solely for information purposes and for use inpresentation of the Group’s strategies and financials. The information contained herein has not beenindependently verified. No representation or warranty, express or implied, is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of the information or opinionscontained herein. The information presented or contained in this presentation is current as of the date hereofand is subject to change without notice and its accuracy is not guaranteed. We do not undertake to update thisinformation. This presentation should not be construed as legal, tax, investment or other advice.Neither thecompany, its advisors or representatives shall have any liability whatsoever for any loss howsoever arisingfrom any use of this document or its contents or otherwise arising in connection with this document. Theforward-looking information contained herein has been prepared on the basis of a number of assumptionswhich may prove to be incorrect and, accordingly, actual results may vary.This document does not constitute an offer or invitation to purchase or subscribe for any securities and nopart of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever.The distribution of this presentation in certain jurisdictions may be restricted by law. In particular, thispresentation may not be taken or transmitted into the United States, Canada or Japan or distributed, directlyor indirectly, in the United States, Canada or Japan. Recipients of this presentation should inform themselvesabout and observe such restrictions.The information herein may not be reproduced or published in whole or in part, for any purpose, or distributedto any other party. By accepting this document you agree to be bound by the foregoing limitations.*****The manager responsible for preparing the company’s financial reports Ms. Daria Bagnasco, Deputy GeneralManager (Governance and Control) of Banca CARIGE S.p.A., declares, pursuant to paragraph 2 of Article 154bis of the Consolidated Law on Finance, that the accounting information contained in this presentationcorresponds to the document results, books and accounting records.GRUPPO CARIGE 48
ContactsDaria BagnascoDeputy General Manager (Governance and Control)daria.bagnasco@carige.itTel: +390105794869Giacomo BurroCFO & Wealth Management Head Office Managergiacomo.burro@carige.itTel: +390105794580Nicola PegoraroHead of Tradingnicola.pegoraro@carige.itTel: +390105793377Emilio ChiesiInternational Fundingemilio.chiesi@carige.itTel: +390105794568Investor Relationsinvestor.relations@carige.itTel: +390105794877GRUPPO CARIGE 49
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 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: European Overview on Covered Bond F

February 2011 - Gruppo Banca Carige

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