THE CONSUMER CREDIT BUSINESS A shareholding of the Banca CR Firenze Group.

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Presentation transcript:

THE CONSUMER CREDIT BUSINESS A shareholding of the Banca CR Firenze Group

Investor Relations 2 Market share: by transaction 29% by volume 13% 2001 ROE : 23.3% 3,600,000 customer database 94 Customer Service Centers Over 65,000 affiliated stores 1,599 employees S & P rating* : LT A - ST A1 Trentino Alto Adige Friuli V. Giulia Veneto Emilia Romagna Marche Umbria Abruzzo Molise Puglia Basilicata Calabria Sicilia Sardegna Campania Lazio Toscana Liguria Piemonte Valle dAosta Lombardia * Recent upgrade, September 2002 FINDOMESTIC BANCA - Highlights National distribution & high market penetration

Investor Relations 3 Italy, new business (yoy %) Findomestic, new business (yoy %) Findomestic 3.66 Fiatsava 3.13 Deutsche Bank 2.01 AgosItafinco (Intesa) 1.74 Finemiro (Cardine) 1.70 Fiditalia (SocGen) 1.56 Compass New business BPLDucato 1.22 Citifin 1.09 Finconsumo 1.01 IntesaBci (Comit network) 1.67 Euro billion LEADERSHIP Findomestic is the most important player in the Italian market Association of the Italian consumer credit companies and company data

Investor Relations 4 * Association of the Italian consumer credit companies Business segmentation Personal loans Home appliances Vehicle financing Revolving cards FindomesticItaly * Far ahead of competitors in the experience curve BUSINESS MODEL 47% 22% 49% Europe

Investor Relations , average outstanding credit Outstanding credit Financial margin 2,000,000 cards issued (2/3 of the market) High contribution Personal loans Home appliances Vehicle financing Revolving cards THE CARD BUSINESS AURA card: #1 revolving credit card in Italy

Investor Relations 6 Source: Datastream and Findomestic NPLs ratio Italian GDP annual increase STABLE PROFITABILITY Impressive asset quality and low customer price sensitivity Home appliances Personal loansRevolving cards Vehicle financing Product rates

Investor Relations 7 Source : Merrill Lynch ITA 91 ITA 00 UK 91 USA 91 USA 00 Savings ratio Cons. credit / GDP EU 8.8% UK 00 Comparison with more developed markets shows room for further increases in consumer credit FUTURE TREND

August 26, 2002 BACK-UPSLIDES

Investor Relations 9 Tier I* Tier II Deductions REGULATORY CAPITAL SOLVENCY RATIO Tier 1 SOLVENCY RATIO FY , % 5.70% 1H , % 6.29% Euro millions CONSOLIDATED CAPITAL RATIOS +10.3% +7.8% +30.6% +18.8% +150 b.p b.p. Change *Core capital - No preference shares issued

Investor Relations 10 CONSOLIDATED FINANCIAL ASSETS Change DIRECT FUNDING INDIRECT FUNDING Asset under custody TOTAL FINANCIAL ASSETS Asset under management GP (discretionary accounts) Mutual funds Insurance products 7.5% 1.3% 2.5% 0.4% -9.1% 5.5% 1.0% 4.0% Euro millions FY , , , , , , , , H , , , , , , , ,164.5

Investor Relations 11 FINDOMESTIC EURO ZONE