Page 54 - Consolidated Non Financial Statement

Banca Ifis

| 2020 Consolidated Non-Financial Statement
4.1 Support to enterprises and financial inclusion of customers

Policies and other reference documentation
• Ordinary credit management policy: PHARMA BU (Banca Ifis)
• Ordinary credit management policy: Pharmacies BU (Banca Ifis)
• Ordinary credit management policy: Impresa Italia (Banca Ifis)
• Ordinary credit management policy: Impresa International (Banca Ifis)
• Distribution Policy (Cap.Ital.Fin)
• NO 112 – Leasing BU - Leasing preparation process (Banca IFIS)
• NO 111 – Leasing BU - Redemption assessment and setting process (Banca Ifis)
• NO 103 – Leasing BU - Subjective credit quality assessment (Banca Ifis)
• Policy for managing the acquisitions of distressed loan portfolios and relating monitoring (Ifis Npl Investing)
• Ordinary credit management policy (Cap.Ital.Fin.)
• Credit management policy (Credifarma)
• Organisational Procedure - Concession and Management of Structured Finance (Banca Ifis)
• Organisational Procedure - Concession and Management of Special Situations (Banca Ifis)

Support to small and medium enterprises has always been an intrinsic part of the Banca Ifis Group DNA, which
sees itself as “a company that does banking” and, consequently, undertakes to flank entrepreneurs, meeting
their needs with a diversified, structured commercial and corporate banking offer headed by factoring, financial leasing
and operative leasing, advisory services for corporate acquisitions, M&As and medium and long-term loans and the
acquisition of tax credits.

In the non-performing loans (Npl) segment, the competitive advantage is hinged on the combination of the capacity to
acquire and manage/transform bad loans, offering families and businesses the possibility of agreeing and managing
sustainable repayment plans.

NPL & SME MARKET WATCH

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The Banca Ifis Studies Office is constantly involved in research, analysis and data processing, particularly in the area of
identifying current trends and planning medium and long-term strategies. The general topics are broached with a technical-
economic approach to offer a scientific analysis and ensure that forecasts are consistent, yet at the same time it adopts
simple, linear presentations to increase the communicability of the messages. The Market Watch is the observatory
specifically dedicated to the study of the emerging trends in the two areas of Banca Ifis specialisation: Italian small and
medium enterprises and the non-performing loans market. In particular:

• The Npl Market Watch uses a proprietary database coupled with the analysis of other institutional sources to
analyse the trends characterising the bad loans segment, offering a complete overview, both from the investor
side and servicing side;
• The SME Market Watch provides an analysis of the trend of Italian SMEs, focussed on the main “Made in Italy”
production sectors, on how business models are evolving and on the key factors that result in success in a given
market context. The report brings together, processes and comments on figures and information obtained from
different quality and quantity sources, combining a “classic” approach of analysing databases, surveys and one-
to-one interviews with the modern technologies offered up by web listening: almost 1 million social conversations
(with the exception of LinkedIn), blogs, forums and comments on newspapers made by more than 510 thousand
one-time authors (representative, qualified users) intercepted on the web thanks to this new generation Banca
Ifis observatory.

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