BANCA POPOLARE ETICA

Giving credit to social economy

Berlin,7th - 8th May 2008

HISTORY

80’s: first experience of ethical finance in Italy with financial cooperative associations (transparency and mutuality);

1989: Etimos Consortium was formed, under the name of CTM-Mag;

1994: 22 non profit organisations founded “L’Associazione Verso la Banca Etica”;

1995: the association was transformed in “Cooperativa Verso la Banca Etica”;

1999: Banca Etica opened its first branch office in Padova

MEMBERS

28 thousands of members, of which 4.000 corporate body:

associations: CISL; AGESCI; ACLI; Gruppo Abele; Emmaus International and Italy;

co-operatives, social co-operatives: CGM, ABN, GESCO, Legacoop, Coopfond, Conapi;

foundations and organisations non-profit: NGO’s as Médecin Sans Frontières, Amnesty International;

Religious order: Missio Religious Foundation, Caritas; Justice and Solidarity Foundation; Istituto Centrale Sostentamento al Clero; 25 dioceses - 30 CARITAS - 300 parishes;

Public administration: 9 Region - 300 Provinces - 40 Municipalities. Organic food (AIAB) and renewable energies

Institutional Bodies

shareholders’ general assembly

board of directors executive committee board of auditors committee of guarantors direction operational office branch offices

Associative structure:

64 territorial organisation of shareholders

Ethical Committee

STRUCTURE

THE NET OF BANCA ETICA

12 Branches and 3 more opening;

26 Financial Promoters;

64 Local Shareholders Groups;

153 employees and co-workers

Update 31st March 2008

ACTIVITY

Banca Etica manages savings raised from citizens, organisations, companies and institutions in general, and invests them in initiatives pursuing both social/environmental and economic objectives.

The Bank finances organisations operating in one of the following areas: Social Co-operation International Co-operation Environment Culture and civil society:

EVOLUTION OF BANCA ETICA

From a one-product and one-branch bank…

…to the progressive development of the range of products and services to give to possibility to the customers and to the members to use Banca Etica as only financial institute;

…to the growth of the net of branches and financial promoters of Banca Etica, to physically reach the existing and potential customers.

SAVING ACTIVITY

From the offer of the subscription of Bond Issues of the bank and Certificate of Deposit…

to the offer of all the classical banking services with the possibility for the customers to dedicate the saving to one of the four sector in which the bank invest: social cooperation, environmental safeguard, co-operation for development in the South of the world, cultural and educational initiatives.

To the progressive creation of products and services dedicated to customers that work with foreign countries and for customers not resident in Italy

SERVICES

bank accounts, for individuals and organisations, and further services such as direct debit cards, credit cards, home banking, credit transfer in Italy and abroad, bancalight (banking operations management from the mobile phone), internet banking;

certificates of deposit;

saving books;

debentures, bonds;

investment funds “Responsible Values” of Etica Sgr;

foreign services: bank accounts and related services (e.i. transfers).

BANCA ETICA’S CARDS

NEW CARDS....

Affinity card dedicated to

Economia di Comunione

Pre-paid card dedicated to FairTrade Transfair Italia

NUMBER OF SHARESHOLDERS: 28.500 associations 4.100 individuals 24.400

STOCK CAPITAL SUBSCRIBED: 20.300.000 € Total equity: 35.000.000 €

TOTAL VALUE OF SAVINGS: 500.000.000 €

Number of banking account: 16.000

LOANS: total value: 373.000.000 € n. of loans: 2.000

INVESTMENT FUNDS 210.000.000 €

Update March 2008

KEY FIGURES

Thank you for your attention