Page 53 - Consolidated Non Financial Statement

Banca Ifis

| 2020 Consolidated Non-Financial Statement
INTERVENTION TYPE DESCRIPTION

ENTERPRISES

Measures in favour of companies Willingness to consider the possibility of granting support measures to customer
not included in the “Cura Italia” businesses not coming under the scope of application of the “Cura Italia” Decree and/or
Decree and/or the ABI Agreement ABI Agreement relative to the credit facilities in place.

An agreement has been stipulated with the European Investment Bank (EIB) for 50
million Euro to support SMEs. The agreement is part of the pan-European “COVID-19”
Guarantee Fund established to finance and support investment projects and growth of the
SME loan agreement with the EIB SMEs. Loan contracts are envisaged at beneficial rates for all businesses in the various
production sectors, as well as working capital loans to address liquidity needs and stem
the effects of the pandemic.
Agreement stipulated with Veneto Sviluppo and the Veneto Region for the concession of
Agreement with Veneto Sviluppo
and the Veneto Region special-rate loans to support the liquidity needs of the companies struck by the COVID-19
emergency.
Establishment of specific credit lines dedicated to customer businesses that have
Credit lines dedicated to customer
businesses producing instruments converted or strengthened part of their manufacturing lines to produce masks, sanitising
for the fight against COVID-19 gel, technical material for the civil guard, machine components for patient oxygenation
and processing plasma and blood derivatives.
Financial leasing and rental Range of financial leasing and rental solutions to handle the new types of assets linked to
solutions to handle the new types the COVID-19 emergency, namely: equipment for monitoring body temperature
of assets linked to the COVID-19 (Termoscanner) and equipment for purifying and filtering air.
emergency
In incorporation of the Civil Guard Order no. 642 of 29 February 2020, information to
Suspension of mortgage and
lease instalments for the COVID- Customer Businesses on the possibility of requesting a suspension, within the terms
19 emergency envisaged, of the principal instalment or entire instalment of the respective leases and/or
loans in place.
Development of additional digital solutions by which to foster the “remote” procedure,
according to requests and perfecting new contracts, thanks to digital signatures and the
exchange of documents via certified e-mail. More specifically, a new solution has been
Measures to guarantee service: introduced, which allows customers with their own personal digital signatures to use this
Contact and constant dialogue method to sign factoring, leasing and rental contracts, so as to further reduce use of
with customers
paper-based signatures. In just a few weeks a digital platform was prepared to streamline
the process of granting new loans guaranteed by the government under the “Cura Italia”
Decree.
Assessment of the possibility of granting payment extensions for transferred factoring
Payment extensions debtors, in the average amount of 30 days (maximum 60 days). For customers, the
possibility was considered of rising to 100% of the advance on current loans.
PRIVATE CUSTOMERS
Cap.Ital.Fin. has adopted measures to support customers falling within the segment of
employees of private businesses that have adhered to the system of social shock
Salary-backed loans absorbers envisaged by Italian Decree no. 18/2020 (the “Cura Italia” Decree), declaring
willing to grant the potential queuing of instalments as per the salary-backed loan
contracts.
PHARMACIES
Credifarma has intervened offering specialised financial support for owners of pharmacies
Financial backing to pharmacy through a simplified procedure for the concession of liquidity in 24 hours, in the case of
owners mandatory, but temporary, suspension of operation for health reasons, up to a maximum
of 30 days.

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