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Mark up
Difference between the average lending rate for the forms of lending employed and the Euribor rate.

Merchant banking
This activity includes subscription of securities, equities or debt, of corporate customers for subsequent sale on the market, the acquisition of equity interests of a more permanent nature but again with the objective of subsequent sale, advisory activities to companies for mergers and acquisitions or restructuring.

Mezzanine
In a securitisation operation it is the tranche with an intermediate level of subordination between that of the junior tranche and that of the senior tranche.

Non performing
A term which refers generally to loans with irregularities in the repayments.

Non performing loans
Loans at nominal value to persons or organisations that are either insolvent (even if not declared as such in the courts) or in equivalent circumstances.

Options
These consist of the right, but not a commitment, acquired with the payment of a premium, to purchase (call option) or sell (put option) a financial instrument at a determined price (strike price) before (American option) or on (European option) a future date.

Over the counter (OTC)
Operations concluded directly between parties without the use of a regulated market.

POS terminal (Point of sale terminals)
Automatic equipment for the payment of goods or services at suppliers premises using credit, debit or prepaid cards.

Preference shares
Those issued by the banking Group are innovative capital instruments issued by foreign subsidiaries in the banking group which combine yields linked to market rates with particularly low subordination such as for example no recovery in future years of interest not paid by the parent bank and sharing in the losses of the bank itself if these result in a substantial reduction in capital requirements. The conditions under which preference shares can be included in the core capital of banks and banking groups are set out in the supervisory instructions of the Bank of Italy.

Price sensitive
A term which generally refers to information or data that is not in the public domain which if disclosed would have a marked effect on the price of a security.

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