5,000,000,000 Covered Bond Programme

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1 Data as of 30 June ,000,000,000 Covered Bond Programme Please note being this report as of June 2015, 30 it does not include the new portfolio sale signed on July 2016, 27. The new portfolio sale has economic effectiveness from July 2016, 1 and consists of residential mortgage loans for a total outstanding amount of Eur ,55.

2 Data as of 30 June ,000,000,000 Covered Bond Programme Counterparties Issuer Sellers Guarantor Servicer Calculation Agent Principal Paying Agent Investment Agent Liability Swap Provider Liability Swap Provider Representative of the Covered Bondholders Corporate Servicer Guarantor Calculation Agent Italian Account Bank Cash Manager Italian Paying Agent English Account Bank Asset Monitor Estense Covered Bond S.r.l. The Royal Bank of Scotland plc Credit Suisse International BNP Paribas Securities Services, London Branch Deloitte & Touche Spa List of the outstanding securities Denomination Series & Tranches Isin Code Currency Notional Amount Maturity Date BCA POP EMILIA ROMAGNA 3,375% 15/10/ /10/2018 CB III Series - I and II Tranches IT Eur /10/2018 BCA POP EMILIA ROMAGNA 0,875% 22/01/ /01/2022 CB IV Series - I Tranche IT Eur /01/2022 BCA POP EMILIA ROMAGNA 0,500% 29/07/ /07/2020 CB V Series - I Tranche IT Eur /07/2020 BCA POP EMILIA ROMAGNA FRN 31/05/ /07/2020 CB VI Series - I Tranche IT Eur /07/2020 2

3 Cover Pool details Overview data Eur collateral currency 100,00% Banca popolare dell Emilia Romagna origination 100,00% Total current loan balance Average current loan balance Borrower concentration (% of largest ten borrowers) 0,29% Total number of loans Total number of borrowers Total number of properties Loans to employees of BPER Group 0,00% Residential mortgages loans 100,00% Weighted average seasoning (months) 51,99 Weighted average remaining maturity (months) 194,75 No prior rank on loan collateral 100,00% Weighted average original LTV (as of the granting date) 58,01% Weighted average unindexed current LTV 48,07% Weighted average indexed current LTV 48,65% Fixed rate portfolio component 19,42% Mixed - Fixed as of this report date - portfolio component 7,91% Floating rate portfolio component 23,63% Mixed - Floating as of this report date - portfolio component 48,44% Foreclosure (non-performing loans) portfolio component 0,60% Loans in arrear > 90 days (Foreclosure, alias npl, included) 1,05% WA interest rate on floating loans (Mixed - Floating included) 2,18% WA margin on floating loans (Mixed - Floating included) 2,04% Weighted average interest rate on fixed loans (Mixed - Fixed included) 3,37% Contractual overcollateralisation 19,00% Committed to rating agencies overcollateralisation 20,00% % ABS included in the cover pool 0,00% Unindexed current LTV distribution Number of Loans % Current Balance % 0% - 40% ,56% ,45% 40% - 50% ,75% ,92% 50% - 60% ,52% ,41% 60% - 70% ,20% ,19% 70% - 80% ,97% ,02% > 80% - 0,00% - 0,00% Indexed current LTV distribution Number of Loans % Current Balance % 0% - 40% ,89% ,76% 40% - 50% ,51% ,55% 50% - 60% ,22% ,84% 60% - 70% ,28% ,04% 70% - 80% ,02% ,67% > 80% 38 0,08% ,14% 3

4 Current Loan Amount Number of Loans % Current Balance % Euro ,53% ,87% Euro ,42% ,01% Euro ,44% ,07% Euro ,17% ,92% Euro ,73% ,47% Euro ,19% ,68% Euro ,58% ,19% over Euro 429 0,94% ,78% Interest Type Number of Loans % Current Balance % Fixed rate ,71% ,42% Mixed - Fixed as of this report date ,79% ,91% Floating ,95% ,63% Mixed - Floating as of this report date ,01% ,44% Loans legal maturity Number of Loans % Current Balance % 0-1 year 644 1,41% ,08% 1-2 year 729 1,60% ,26% 2-3 year ,37% ,62% 3-4 year ,69% ,26% 4-5 year ,68% ,74% 5-10 year ,78% ,59% over 10 year ,92% ,84% Seasoning (months) Number of Loans % Current Balance % < ,32% ,71% 12 - < ,43% ,73% 24 - < ,78% ,70% 36 - < ,99% ,93% ,48% ,93% 4

5 Interest payment frequency Number of Loans % Current Balance % Monthly ,59% ,78% Bimonthly 2 0,00% ,01% Quarterly 192 0,42% ,50% Semi-Annual 657 1,44% ,11% Annual - 0,00% - 0,00% Geographical Distribution Number of Loans % Current Balance % Abruzzo ,31% ,71% Basilicata ,20% ,91% Calabria ,74% ,71% Campania ,13% ,10% Emilia Romagna ,07% ,42% Friuli Venezia Giulia 15 0,03% ,05% Lazio ,23% ,46% Liguria 32 0,07% ,07% Lombardia ,59% ,67% Marche 372 0,82% ,86% Molise 498 1,09% ,76% Piemonte 40 0,09% ,09% Puglia ,53% ,98% Sardegna 29 0,06% ,06% Sicilia 745 1,64% ,62% Toscana 644 1,41% ,86% Trentino Alto Adige 140 0,31% ,34% Umbria 216 0,47% ,46% Valle d'aosta 2 0,00% ,01% Veneto ,20% ,87% Loans performance Number of Loans % Current Balance % 0 (alias no delay on payments) ,62% ,61% > 0 - < 2 months 955 2,10% ,02% 2 - < 6 months 337 0,74% ,77% If you have any queries regarding this report please contact: Investor Relations Structure Finance Office Mr. Gilberto Borghi Mr. Marco Biale phone or phone or

5,000,000,000 Covered Bond Programme

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