UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report 31/01/2013

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1 UBI FINANCE CB 2 COVERED BOND - INVESTOR REPORT Report 31/01/2013 Counterparties Issuer Sellers Guarantor Servicer Calculation Agent Liability Swap Provider Asset Swap Provider: Italian Account Provider Luxembourg Account Provider Banco di Brescia S.p.A., Banca Regionale Europea S.p.A., Banca Popolare di Bergamo S.p.A, Banca Popolare di Ancona S.p.A., Banco di San Giorgio S.p.A., UBI Banca Private Investment S.p.A. (*), Banca di Valle Camonica S.p.A., Banca Carime S.p.A. and Banca Popolare Commercio e Industria S.p.A, Unione di Banche Italiane S.c.p.a (*) UBI Finance CB 2 S.r.l. n.a n.a. UBI Banca International S.A. (*) At the date of this report both Ubi Banca Private Investment and Unione di Banche Italiane have signed the Master Purchase Agreement, but haven't sold any loans yet Series Coupon first ,00 second ,00 Nominal Value Test A= ,41 Adjusted Outstanding Principal Balance B= ,07 Principal Account plus Top-Up Assets C= 0,00 Adjusted Outstanding Principal Balace of other eligible assets Y - Potential Set-off Amount W - Commingling Amount Z= ,27 The weighted average remaining maturity of all Covered Bonds (expressed in years) then outstanding multiplied by the Euro Equivalent of the aggregate Principal Amount Outstanding of the Covered Bonds multiplied by the Negative Carry Factor F= ,00 Principal Amount Outstanding of all Series of Covered Bonds Total A*P+B+C-Y-W-Z>=F Pass Pass / Fail P= Asset Percentage 100,00% Amount of Credit Support ,21 Result of the overcollateralisation in the Nominal Value Test 1

2 NPV Test NPV Cover Pool = A + B ,24 A ,24 B NPV Assets plus Top Up Asset NPV Asset Swap and Liability Swap NPV Cover Bond ,31 TEST NPV Cover Pool > NPV Cover Bond Pass Pass / Fail Interest Cover Test A= ,70 B= C= ,23 D= ,13 E= ,66 F= Interest on Interest Account Asset Swap Differential Interest due in the next 12 months Interest Payments due under all outstanding Series of Covered Bonds Senior Liabilities Payments due by the Guarantor under any Swap Agreement A+B+C>=D+E+F Pass Pass/ Fail Top Up Asset Test Top-up Assets - Collections ,77 Recoveries - Other - TOTAL Top-up Assets Seller ,77 Are the Total Top-up Assets Seller 1 >15% NO If Yes, Excess Top-up Amount of Seller 1 ( Amount to be Transferred to Guarantor in the next Calculation Period if not cured via repayment of Term Loan) 2

3 UBI Finance Accounts at 31/01/2013 (opened with Luxembourg Account Bank) PrincipalAccount ,13 Interest Account ,07 Reserve fund ,20 Total ,40 Credit Ratings at 31/01/2013 Short Term Short Term Short Term Long Term Long Term Long Term (Moody's) (S&P) (Fitch) (Moody's) (S&P) (Fitch) UBI Banca P-2 A-2 F2 Baa2 BBB BBB+ UBI Banca Event of Default NO NO NO NO NO NO UBI Finance Srl Event of Default NO NO NO NO NO NO 3

4 Pool assets Analysis Provisional Pool Summary EUR Aggregate current Principal Outstanding Balance ,66 Aggregate original Principal Outstanding Balance ,93 Average current Principal Outstanding Balance ,23 Average original Principal Outstanding Balance ,58 Maximum current Principal Outstanding Balance ,67 Maximum original Principal Outstanding Balance ,00 Total number of Loans Weighted average seasoning (months) 60,3 Weighted average remaining maturity (months) 140,79 Weighted average original term (months) 201,09 Weighted average Current LTV (%) - indexed 46,10% Weighted average Original LTV (%) 58,48% Weighted average interest rate (%) 2,19% % of Floating Rate Assets (By Loans) 81,29% % of Fixed Rate Assets (By Loans) 18,71% Collateral Currency EUR Current Loan Amount / Current Market Value (indexed) Number of Loans % Current Balance % 0% - 20% ,93% ,30 20,50% 20% - 30% ,52% ,03 17,24% 30% - 40% ,49% ,57 20,44% 40% - 50% ,38% ,49 19,82% 50% - 60% ,51% ,18 13,83% 60% - 70% 739 3,35% ,13 4,38% 70% - 80% 344 1,56% ,74 2,06% >80% 56 0,25% ,22 1,73% 4

5 Outstanding Loan Amount Number of Loans % Current Balance % 0-37, ,52% ,14 4,78% 37,501-75, ,58% ,24 11,48% 75, , ,79% ,36 9,03% 100, , ,71% ,83 14,66% 150, , ,90% ,98 6,88% 200, , ,88% ,03 5,23% 250, , ,33% ,83 12,18% > 500, ,28% ,25 35,77% Interest Type Number of Loans % Current Balance % Fixed rate ,71% ,19 15,37% Floating rate ,29% ,47 84,63% Originator Number of Loans % Current Balance % Banca Carime ,34% ,09 10,45% Banca della Valle Camonica 616 2,79% ,95 3,26% Banco di Brescia ,54% ,77 20,83% Banca Pop. Comm. e Industria ,64% ,43 10,75% Banca Pop. di Ancona ,85% ,18 17,19% Banca Regionale Europea ,87% ,97 18,69% Banca Pop. di Bergamo ,97% ,27 18,83% UBI Banca - 0,00% - 0,00% Maturity Date Number of Loans % Current Balance % ,03% ,95 0,02% ,21% ,29 11,48% ,50% ,59 31,87% ,65% ,96 30,86% ,38% ,15 15,55% ,61% ,26 5,41% ,57% ,85 4,69% ,04% ,45 0,08% > ,03% ,16 0,04% 5

6 Original Loan Amount / Original Market Value (*) Number of Loans % Current Balance % 0% - 20% ,02% ,41 10,30% 20% - 30% ,07% ,46 10,35% 30% - 40% ,31% ,91 13,54% 40% - 50% ,34% ,82 19,23% 50% - 60% ,62% ,56 17,00% 60% - 70% ,21% ,50 13,17% 70% - 80% ,31% ,53 8,55% > 80% ,13% ,47 7,88% (*) It refers to the LTV at the time of granting of the loan Seasoning (months) Number of Loans % Current Balance % ,00% 0,00 0,00% ,63% ,51 8,65% ,82% ,58 34,64% ,04% ,87 26,13% ,31% ,30 16,79% ,85% ,48 13,56% > ,35% ,92 0,23% Payment Number of Loans % Current Balance % Monthly ,01% ,00 72,62% Quarterly 708 3,21% ,05 9,85% Semi-Annual ,45% ,57 16,90% Annual 43 0,19% ,68 0,12% Monthly with final maxi instalments 250,00 1,13% ,36 0,52% 6

7 Geographical Distribution Number of Loans % Current Balance % Piemonte ,12% ,73 11,83% Valle D'Aosta 15 0,07% ,43 0,14% Lombardia ,57% ,98 43,70% Trentino Alto Adige 8 0,04% ,52 0,06% Veneto 329 1,49% ,58 1,83% Friuli Venezia Giulia 70 0,32% ,91 0,23% Liguria ,31% ,10 6,47% Emilia Romagna 482 2,18% ,74 3,79% Toscana 67 0,30% ,10 0,72% Umbria 350 1,59% ,59 1,59% Marche ,93% ,08 7,47% Lazio ,83% ,87 6,12% Abruzzo 300 1,36% ,80 1,18% Molise 141 0,64% ,29 0,40% Campania ,78% ,27 5,33% Puglia ,74% ,50 4,11% Basilicata 285 1,29% ,51 0,90% Calabria ,23% ,09 3,95% Sicilia 10 0,05% ,20 0,05% Sardegna 40 0,18% ,37 0,11% Current and delays Number of Loans % Current Balance % Current <= 1m , ,80 0,96 1<=2m 215 0, ,20 0,02 2<=3m 78 0, ,95 0,00 3<=6m 135 0, ,02 0,01 6<=12m 122 0, ,27 0,01 >= , ,42 0,00 Contact If you have any queries regarding this report please contact: UBI Banca - Funzione Amm.ne Società Veicolo calculation.agent@ubibanca.it UBI Banca - Investor Relations investor.relations@ubibanca.it phone or

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