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Financial Targets

On 13th May 2011 the Management Board and the Supervisory Board of UBI Banca have approved the Group Industrial Plan containing strategic guidelines and operating, financial and capital targets for the period 2011-2013/2015.


 

 

2011-2013/2015 INDUSTRIAL PLAN


GUIDELINES DESIGNED TO MAXIMISE QUALITY

  • Optimising the structure of capital

  • A stronger structural balance between assets and liabilities

  • Innovation in the distribution model

  • Redefinition of the roles of the product companies in terms of: (i) specialisation and complementary with the network bank's commercial offer; (ii) a change of focus by external networks on the acquisition of new customers to be directed to the network banks to increase customer loyalty and rates of cross-selling; (iii) optimization of the product companie's financial structure and structural balance

  • Maintenance of the current level of expense although with significant investments

  • Consolidation of the low risk profile

  • Strengthening of the already firm dividend policy


 

ASSUMPTIONS

  • Macroeconomic scenario evolution



 

  • Extraordinary operations non included

  • Hypothesis of conversion of the 2009-2013 convertible loan not taken into account


 

 

FINANCIAL TARGETS

  • A swift return to profit levels consistent with the cost of capital 


 

  • Maintenance of high capital solidity


 

  • Stronger asset and liability structural balance


 

 

OTHER FINANCIAL TARGETS

  • Improving customer satisfaction
  • strengthening a sense of Group identity among employees
  • heightening the general perception by customers, personnel, investors and local communities that UBI Banca = "a High Quality Bank"

 

 

 

ECONOMIC PROJECTIONS