Banca IFIS Group. Value to your business. Mestre, 2013

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Francis Gilbert
8 years ago
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1 Group Value to your business Mestre, 2013

2 The Group Group Who we are 02 The Group is the only independent banking group in Italy specialized in the value chain of trade receivables, non performing loans, and tax receivables. Listed in the STAR segment of the Italian Stock Exchange, MTA Isin Code:IT Alphanumeric Code: IF Super Sector: Financial Services Index: FTSE All-Share Capped, FTSE Italia All-Share, FTSE Italia Mid Cap, FTSE Italia STAR, FTSE Italia All-Share Financials, FTSE Italia All-Share Financial Services

3 The Group Group Our Core Assets/Liabilities activities Figures at 30/06/2013 Total assets : 10,7 bn Total liabilities : 10.3 bn 03 Finance SME s Working Capital Retail funding Interbank market ECB Distressed retail loans Core activities Tax receivables loans Government bond portfolio Tactical activity

core businesses Group Core businesses Figures at 30/06/2013 04 SMEs FAMILIES INSOLVENCY Trade receivables Destressed consumer credit

4 core businesses Group Core businesses Figures at 30/06/ SMEs FAMILIES INSOLVENCY Trade receivables Destressed consumer credit loans PROCEEDINGS Tax receivables 1.724,9 mn 110,8 mn 87,6 mn RETAIL 3,9 bn WHOLESALE LOANS Total core assets : 2,2 bn DEPOSITS/FUNDING

5 SME s WC support Trade receivable support to SMEs: Factoring to mitigate the risk 05 FACTORING is an on-going relationship where a specialist ( Bank) purchases, manages and gives advances on (and may also guarantee) a part of an enterprise s trade receivables, after having monitored and assessed the quality of the receivables themselves and the debtors involved. Fast Facts 30/06/ /12/ /12/2011 N. Clients Turnover 2508 m 4941 m 4644 m Loans 1725 m 1776 m 1545 m Net Banking income/ Turnover 2,3% 2,3% 1,6% Net Banking income/ Loans 6,6% On year basis 6,4 % 4,8% NPL/Loans 3,5% 4,3% 4,8%

6 target market Short term SME s Italian credit market (Source: Assifact, 31/12/2012) 06 Trade finance 303 bn* (-2,9% yr/yr) 1,7 bn Factoring 46 bn (+2,2%)

7 rank 53,52 28,98 26,58 9,52 8,07 7,79 4,89 4,65 4,17 3,22 3,10 2,23 1,89 1,82 1,80 1,75 1,71 1,70 1,53 1,12 1,11 1,05 0,66 0,64 0,52 0,52 0,47 0,17 0,07 0,07 0,02 Turnover Market share by player (figures in million, 31/12/2012) Total n. of assignors in the market: , ,00 40,00 30,00 20,00 10,00 0,00

8 rank 13,28 11,58 8,41 3,08 2,90 2,56 2,46 2,18 1,63 1,31 1,23 1,01 0,66 0,57 0,56 0,52 0,52 0,51 0,38 0,37 0,34 0,27 0,23 0,19 0,19 0,19 0,17 0,14 0,05 0,04 0,02 Outstanding Market share by player (figures in million, 31/12/2012) 08 14,00 12,00 10,00 8,00 6,00 4,00 2,00 0,00

9 commercial presence Commercial Presence 09 PRESENCE THROUGHOUT ITALY > 29 branches throughout Italy. > Over 80 dedicated specialists managing and developing customer relationships. > New web approach tested in the last 2 months dedicated to generate leads > New brand launch by September PRESENCE outside ITALY: > 1 company in Polland > 2 branches in Rumenia > 1 subsidiary in Hungary

10 DRL Distressed retail loans area: unsecured credit consumer NPL 10 Fast Facts 30/06/ /12/ /12/2011 Consolidated from 1/7/2011 N. Clients Nominal value of receivables managed m m m Loans 111m 104 m 87 m Net Banking income 15 m 19 m 9 m Debt repayment proposal Debt Collection Company Customer Loan Financial company (Assignor) Debt collection costs 2,9 m 4,0 m 1,3 m Debt recovery mandate (Assignee) Non-Performing Loan

11 Fast Finance Fast Finance: purchasing tax receivables area arising from insolvency proceedings 11 Fast Facts 30/06/ /12/ /12/2011 Consolidated from 1/7/2011 Italian market share Over 50% (4409 cases) Nominal value of receivables managed 50% (4.245 cases) 138 m 146 m 94 m Loans 88 m 83 m 75 m Net Banking income 2,4 m 3,8 m 2,7 m

tactical business Government bonds: tactical activity Fast Facts 30/06/2013 1Q 2013 31/12/2012 Started: End 2011 Amount of the portfolio P&L impact : Net banking income 7.738 mn 7.

12 tactical business Government bonds: tactical activity Fast Facts 30/06/2013 1Q /12/2012 Started: End 2011 Amount of the portfolio P&L impact : Net banking income mn mn mn 64,1 mn 32,4 mn 92,9 mn Retail funding: tactical driven to success 12 Portfolio 27/06/2013 AFS HTM L&R 26 TOTALE time to maturity duration 23 months 8,8 months

The Group The Group The Group goes social 13 The Group is present on the following social networks: www.facebook.com/banca.ifis www.facebook.com/conto.deposito.rendimax www.facebook.com/conto.corrente.

13 The Group The Group The Group goes social 13 The Group is present on the following social networks: tvchannel.bancaifis.it

14 The Group The Group Milestones The company I.Fi.S. Istituto di Finanziamento e Sconto S.p.A. was founded. Admission of shares on the Mercato Ristretto di Milano (over-the-counter market of Milan). Registration in the list of financial intermediaries as per article 107 of the 1993 Banking Law. Authorization to carry out banking activities as from 1st January Admission to the Mercato Telematico Azionario (Telematic Stock Market). Admission to the STAR segment. Capital increase, Equity: 100 million Euro. Acquisition of IFIS Finance in Poland. Launch of rendimax s on-line, high-yield deposit account. carries out a 50 million Euro capital increase.

15 The Group The Group Milestones Takeover bid on Toscana Finanza, a company operating in the distressed loans sector. Toscana Finanza and Fast Finance become business units within the Group. contomax is launched, s on-line current account.

Highlights. The factoring market and group positioning. Strategies. Consolidated financial and economic data. Attachments

Highlights. The factoring market and group positioning. Strategies. Consolidated financial and economic data. Attachments 4 th Q. 2008 Highlights The factoring market and group positioning Strategies Consolidated financial and economic data Attachments The Credit Crunch : impact on Banca IFIS s activity The consequences for