Banca IFIS Group

Value to your business

Mestre, 2013

02

Banca IFIS Group

Who we are

The Group

The Banca IFIS 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:IT0003188064 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

03

Banca IFIS Group

The Group

Our Core Assets/Liabilities activities

Finance SME’s Working Capital

Distressed retail loans

Tax receivables loans

Core activities

Government bond portfolio

Retail funding

Interbank market

ECB

Tactical activity

Total assets : 8,1 bn €

Total liabilities : 7,8 bn €

04

Core businesses

Banca IFIS Group

Banca IFIS core businesses

LOANS

SMEs FAMILIES INSOLVENCY

PROCEEDINGS Trade

receivables Destressed

consumer credit

loans

Tax

receivables

RETAIL WHOLESALE

DEPOSITS/FUNDING

Total core assets : 2,0 bn €

3,1 bn €

1.775,9 mn € 83,2 mn € 104,1 mn €

05

Trade receivable support to SMEs: Factoring to mitigate the risk

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.

Banca IFIS

Fast Facts 31/12/2012 31/12/2011

N. Clients 3619 3039

Turnover 4941 m € 4644 m €

Loans 1776 m € 1545 m €

Net Banking income/ Turnover 2,3% 1,6%

Net Banking income/ Loans

6,4 % 4,8%

NPL/Loans 4,3% 4,8% http://www.youtube.com/watch?v=9tdJ-TbdcsU

SME’s WC support

Trade finance 303 bn* (-2,9% yr/yr)

Factoring 46 bn (+2,2%)

Short term SME’s Italian credit market (Source: Assifact, 31/12/2012)

06

Banca IFIS

Banca IFIS 1,7 bn

Banca IFIS target market

Market share by player (figures in million €, 31/12/2012) 53,5

2

28,9

8

26,5

8

9,5

2

8,0

7

7,7

9

4,8

9

4,6

5

4,1

7

3,2

2

3,1

0

2,2

3

1,8

9

1,8

2

1,8

0

1,7

5

1,7

1

1,7

0

1,5

3

1,1

2

1,1

1

1,0

5

0,6

6

0,6

4

0,5

2

0,5

2

0,4

7

0,1

7

0,0

7

0,0

7

0,0

2

0,00

10,00

20,00

30,00

40,00

50,00

60,0007

Turnover

Banca IFIS rank

Total n. of assignors in the market: 19.071

13,2

8

11,5

8

8,4

1

3,0

8

2,9

0

2,5

6

2,4

6

2,1

8

1,6

3

1,3

1

1,2

3

1,0

1

0,6

6

0,5

7

0,5

6

0,5

2

0,5

2

0,5

1

0,3

8

0,3

7

0,3

4

0,2

7

0,2

3

0,1

9

0,1

9

0,1

9

0,1

7

0,1

4

0,0

5

0,0

4

0,0

2

0,00

2,00

4,00

6,00

8,00

10,00

12,00

14,00

08

Banca IFIS rank

Outstanding

Market share by player (figures in million €, 31/12/2012)

09

Commercial Presence

Banca IFIS

Banca IFIS commercial presence

> 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 THROUGHOUT ITALY

PRESENCE outside ITALY:

> 1 company in Polland

> 2 branches in Rumenia

> 1 subsidiary in Hungary

10

Distressed retail loans area: unsecured credit consumer NPL

Banca IFIS

Banca IFIS DRL

Customer

Financial company (Assignor)

Banca IFIS (Assignee)

Debt Collection Company

Loan

Non-Performing Loan Debt recovery mandate

Debt repayment proposal

Fast Facts 31/12/2012 31/12/2011 Consolidated from 1/7/2011

N. Clients 460.792

Nominal value of receivables managed

3.471 m € 2.451 m €

Loans 104 m € 87 m €

Net Banking income 19 m € 9 m €

Debt collection costs 4,0 m € 1,3 m €

11

Fast Finance: purchasing tax receivables area arising from insolvency proceedings

Banca IFIS

Banca IFIS Fast Finance

Fast Facts 31/12/2012 31/12/2011 Consolidated from 1/7/2011

Italian market share 50% (4.245 cases)

Nominal value of receivables managed

146 m € 94 m €

Loans 83 m € 75 m €

Net Banking income 3,8 m € 2,7 m €

12

Government bonds: tactical activity

Banca IFIS

Banca IFIS tactical business

Fast Facts 31/12/2012 1Q 2013

Started: End 2011

Amount of the portfolio 5.140 mn €

7.492 mn €

P&L impact : Net banking income

92,9 mn €

32,4 mn €

Retail funding: tactical driven to success

Portfolio 27/06/2013 AFS 2.838 HTM 4.844 L&R 26 HFT 500 TOTALE 7.709

time to maturity 23 months duration 8,8 months

13

The Banca IFIS Group goes social

The Banca IFIS Group

The Group

The Banca IFIS Group is present on the following social networks:

www.facebook.com/Banca.IFIS

www.facebook.com/conto.deposito.rendimax

www.facebook.com/conto.corrente.contomax

www.twitter.com/bancaifis

www.twitter.com/GiovanniBossi

www.twitter.com/rendimax

www.twitter.com/contomax4you

www.twitter.com/MondoPMI

www.youtube.com/user/bancaifis

www.linkedin.com/company/banca-ifis

tvchannel.bancaifis.it

www.slideshare.net/bancaifis

www.mondopmi.com

www.salvarisparmio.com

14

The Banca IFIS Group

Milestones

The Group

The company ‘I.Fi.S. – Istituto di Finanziamento e Sconto S.p.A.’ was founded.

1983

Admission of shares on the ‘Mercato Ristretto di Milano’ (over-the-counter market of Milan). 1989

Registration in the list of financial intermediaries as per article 107 of the 1993 Banking Law. 1997

Authorization to carry out banking activities as from 1st January 2002. 2001

Admission to the ‘Mercato Telematico Azionario’ (Telematic Stock Market). 2002

Admission to the STAR segment. 2004

Capital increase, Equity: 100 million Euro. 2005

Acquisition of IFIS Finance in Poland. 2006

Launch of rendimax – Banca IFIS’s on-line, high-yield deposit account. 2008

Banca IFIS carries out a 50 million Euro capital increase. 2010

15

The Banca IFIS Group

Milestones

The Group

Takeover bid on Toscana Finanza, a company operating in the distressed loans sector. 2011

Toscana Finanza and Fast Finance become business units within the Banca IFIS Group. 2012

contomax is launched, Banca IFIS’s on-line current account. 2013