INVESTOR RELATIONS A shareholding of CR Firenze Group 1 Merrill Lynch European Midcap Financial Conference London, 12 December 2001 Chiaffredo Salomone.

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INVESTOR RELATIONS A shareholding of CR Firenze Group 1 Merrill Lynch European Midcap Financial Conference London, 12 December 2001 Chiaffredo Salomone Head of Marketing

INVESTOR RELATIONS A shareholding of CR Firenze Group 2 Widespread distribution High market penetration Market share: by transactions 27.8% by volume 12.2% 3,600,000 customer database 96 Customer Service Centres Over 65,000 affiliated stores 1,500 employees S & P rating : ST A2 LT A ROE : 18.3% 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 FINDOMESTIC Banca

INVESTOR RELATIONS A shareholding of CR Firenze Group 3 Consolidation in the core area and investments in unserviced markets FINDOMESTIC EURO ZONE

INVESTOR RELATIONS A shareholding of CR Firenze Group 4 Mortgages excluded Findomestic 2.7 Fiatsava 2.5 Deutsche Bank 1.5 AgosItafinco (Intesa) 1.3 Fiditalia (Unicredito) 1.2 Finemiro (Cardine) 1.1 Compass 0.9 BPLDucato 0.8 Citifin 0.8 Euro billion At 30 September 2001 new business figures confirmed the Company as the most important player in the Italian market THE ITALIAN CONSUMER CREDIT LEADER

INVESTOR RELATIONS A shareholding of CR Firenze Group 5 *As % of outstanding credits - Source : Assofin Outperforming growth and steady reduction of credit losses Italy, new business (yoy %) Findomestic, new business (yoy %) % % % % NPL ratio* % System average : 2 % EFFICIENCY

INVESTOR RELATIONS A shareholding of CR Firenze Group 6 Vehicle financing Home appliances Revolving cards Personal loans Other BUSINESS SEGMENTATION 30 September New business volume : Euro 2.7 Billion

INVESTOR RELATIONS A shareholding of CR Firenze Group 7 THE CARDS BUSINESS

INVESTOR RELATIONS A shareholding of CR Firenze Group 8 PPINGSHO FLEXIBILITY ISSUERS Outlets65,000 Cash advance by Internet-Phone-ATM 400 Retailers 400 Banks & Insurance co. 29 Revolving system Euro 4,000 credit line Monthly repayment : from 5% to 10% of outstanding debit THE AURA CARD

INVESTOR RELATIONS A shareholding of CR Firenze Group 9 - * FY 2001E 2,200,000 * cardholders among proprietary, private label and bank cards THE AURA CARD : multibranding

INVESTOR RELATIONS A shareholding of CR Firenze Group 10 Outstanding credits Financial margin BUSINESS CONTRIBUTION to the FINANCIAL MARGIN Revolving cards Personal loans Home appliances Vehicle financing Aura : growing business and high contribution

INVESTOR RELATIONS A shareholding of CR Firenze Group 11 Comparison with more developed markets shows room for a further increase in consumer credit FUTURE TRENDS ITA 91 ITA 00 UK 91 USA 91 USA 00 Savings ratio Cons. credit / GDP EU 8.8% Source : Merrill Lynch UK 00

INVESTOR RELATIONS A shareholding of CR Firenze Group 12 EUROFINAS - EuropeFINDOMESTIC ASSOFIN - Italy Revolving cards Personal loans Home appliances Vehicle financing Findomestic is already there EUROPE GOES REVOLVING