BANCA POPOLARE ETICA

1. BANCA POPOLARE ETICA Giving credit to social economy Berlin, 7th - 8th May 2008

2. 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

3. 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

4. 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

5. 12 Branches and 3 more opening; 26 Financial Promoters; 64 Local Shareholders Groups; 153 employees and co-workers Update 31st March 2008 THE NET OF BANCA ETICA

6. 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:

7. 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.

8. 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

9. 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).

10. BANCA ETICA’S CARDS

11. NEW CARDS.... Affinity card dedicated to Economia di Comunione Pre-paid card dedicated to FairTrade Transfair Italia

12. 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

13. Thank you for your attention