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 V Series new issuance (Eur 750ml, IT ), effective from July 2015, 29.
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 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 BNP Paribas Securities Services, London Branch Deloitte & Touche Spa List of the outstanding securities Denomination Series & Tranches Isin Code Currency Notional Amount Issue Date Maturity Date BCA POP EMILIA ROMAGNA 3,375% 15/10/ /10/2018 CB III Series - I and II Tranches IT Eur /10/ /10/2018 BCA POP EMILIA ROMAGNA 0,875% 22/01/ /01/2022 CB IV Series - I Tranche IT Eur /01/ /01/2022 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) 0,28% 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) 50,76 Weighted average remaining maturity (months) 199,83 No prior rank on loan collateral 100,00% Weighted average original LTV (as of the granting date) 58,35% Weighted average unindexed current LTV 48,63% Weighted average indexed current LTV 49,52% Fixed rate 10,04% Mixed - Fixed as of this report date 6,55% Floating 30,70% Mixed - Floating as of this report date 52,38% Foreclosure (non performing loans) 0,33% Loans in arrear > 90 days (Foreclosure, alias npl, included) 0,76% WA interest rate on floating loans (Mixed - Floating included) 2,41% WA margin on floating loans (Mixed - Floating included) 2,07% Weighted average interest rate on fixed loans (Mixed - Fixed included) 4,63% 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% ,01% ,54% 40% - 50% ,77% ,62% 50% - 60% ,83% ,55% 60% - 70% ,25% ,83% 70% - 80% ,13% ,47% > 80% - 0,00% - 0,00% Indexed current LTV distribution Number of Loans % Current Balance % 0% - 40% ,86% ,44% 40% - 50% ,45% ,10% 50% - 60% ,48% ,99% 60% - 70% ,15% ,18% 70% - 80% ,84% ,94% > 80% 77 0,21% ,35% 3
4 Current Loan Amount Number of Loans % Current Balance % Euro ,24% ,80% Euro ,35% ,50% Euro ,24% ,27% Euro ,56% ,73% Euro ,41% ,96% Euro ,76% ,15% Euro ,36% ,41% over Euro 402 1,09% ,18% Interest Type Number of Loans % Current Balance % Fixed rate ,86% ,04% Mixed - Fixed as of this report date ,05% ,55% Floating ,95% ,70% Mixed - Floating as of this report date ,86% ,38% Loans legal maturity Number of Loans % Current Balance % 0-1 year 463 1,25% ,09% 1-2 year 674 1,82% ,30% 2-3 year 691 1,87% ,48% 3-4 year ,87% ,00% 4-5 year ,45% ,83% 5-10 year ,95% ,69% over 10 year ,51% ,28% Seasoning (months) Number of Loans % Current Balance % < ,80% ,38% 12 - < ,79% ,21% 24 - < ,40% ,28% 36 - < ,36% ,14% ,65% ,00% 4
5 Interest payment frequency Number of Loans % Current Balance % Monthly ,59% ,70% Bimonthly 1 0,00% ,01% Quarterly 177 0,48% ,59% Semi-Annual 611 1,65% ,37% Annual - 0,00% - 0,00% Geographical Distribution Number of Loans % Current Balance % Abruzzo ,00% ,91% Basilicata ,76% ,51% Calabria ,81% ,87% Campania ,55% ,35% Emilia Romagna ,20% ,20% Friuli Venezia Giulia 9 0,02% ,04% Lazio ,65% ,77% Liguria 29 0,08% ,08% Lombardia ,31% ,29% Marche 274 0,74% ,75% Molise 433 1,17% ,80% Piemonte 25 0,07% ,07% Puglia ,85% ,31% Sardegna 18 0,05% ,05% Sicilia 514 1,39% ,37% Toscana 535 1,44% ,01% Trentino Alto Adige 155 0,42% ,45% Umbria 150 0,40% ,39% Valle d'aosta 1 0,00% ,00% Veneto ,08% ,80% Loans performance Number of Loans % Current Balance % 0 (alias no delay on payments) ,02% ,73% > 0 - < 2 months 770 2,08% ,23% 2 - < 6 months 227 0,61% ,71% 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 gilberto.borghi@bper.it marco.biale@bper.it 5
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