Newsletter Banca IFIS Group 2, june 2012

1. 01_Great first quarter 2012
for Banca IFIS
02_Growth objectives
for 2012
03_Interaction and transparency:
Banca IFIS introduces
its new website
04_The Group’s recruitment
campaign continues
05_Culture, training and business:
initiatives and commitments
06_Upcoming events
07_Contacts
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02012
Newsletter 2 30 June 2012_Quarterly

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01Great first quarter 2012
for Banca IFIS
Banca IFIS joins the FTSE Italia Mid Cap index.
As from 18 June 2012, Banca IFIS’s shares will
be traded on the FTSE Italia Midcap index, as
announced by the FTSE Italia Joint Executive Group.
On 10 May of this year, Banca IFIS’s Board of
Directors approved the Group’s results as at 31
March 2012. Performance was extremely positive in
this period, as it was in 2011. The main results are:
• Net banking income up by 116.3%, at 52.4 million
Euro, thanks to the greater contribution from the
trade receivables sector, and also due to the profit
deriving from treasury operations and the new non-
performing loans and tax receivables segment;
• Net profit from financial activities increased by
146.4% (46.6 million Euro compared with 18.9
million Euro in the first quarter of 2011);
• Impact of costs on net banking income (cost/
income ratio) in strong contraction, from 41.7% to
29.6%;
• Continuous growth of retail funding;
• Equity amounting to 262 million Euro (up compared
with 196.3 million Euro as at 31 December 2011);
• Profit of 19.7 million Euro (+252.8% on an annual
basis);
• Solvency: 10.8%;
• Core Tier 1: 11.1%.
The highlights of the first quarter are:
• as regards funding, the continuous success of the
rendimax savings account, which puts the Group
in the best possible position in terms of liquidity to
operate in the real economy;
• as regards loans, the commitment to support those
who create value through adequate procedures in
both the SME sector and in the Public Administration
sector;
• a highly comprehensive and encompassing
presence in the non-performing loans sector with
the acquisition of large portfolios and optimal
profitability prospects;
• reinforcement of the Italian government bond
portfolio, which includes mainly short-term bonds,
allowing the Bank to make enough profits so as
to bolster its equity without increasing its share
capital. Today, the portfolio’s goal is twofold: to
guarantee on-demand rendimax funding and to
provide an opportunity to invest additional liquidity.
“This quarter was an important stage in the growth of
the Banking Group. Speed, team spirit and strategic
choices aimed at sustaining growth all drive the
Bank’s strengthening process quarter after quarter
in a market which leaves no room for improvisation
but neither for rigid pre-set schemes” stated the
CEO, Giovanni Bossi.
As from 18 June 2012,
Banca IFIS’s shares will
be traded on the FTSE
Italia Midcap index, as
announced by the FTSE
Italia Joint Executive
Group.
Banca IFIS joins
the FTSE Italia
Mid Cap index

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“The first quarter of 2012 marks an important step
in the development of the Banking Group, with the
numbers showing the potential of the entire Bank.
Speed, team spirit, and strategic choices aimed at
sustaining growth all guide the Bank’s strengthening
process, which will be evident quarter after quarter
on a market that leaves nothing to chance but neither
to rigidly pre-defined plans.”
Quote by Giovanni Bossi, CEO

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02Growth objectives for 2012
The outlook for the remaining months of 2012
is good: despite the difficult socio-economic
situation, significant opportunities exist to acquire
new customers and new loans, thus enhancing
services to businesses and the non-performing
loans segment. In addition, the Bank is also
focusing on new projects in favour of insolvency
procedures as far as concerns the operations of
the investee company, Fast Finance, the merger
of which into the Parent Company is currently
underway and should be complete by this summer.
Growth prospects remain positive for the rendimax
savings account; whilst, as far as funding is
concerned, the Bank is currently focusing on a
project involving the launch of a new current-
account that will be ready by the end of the year.
Furthermore, new transactions involving the
Government bond portfolio are expected, in order
to take advantage of additional opportunities to
strengthen the Bank.

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03Interaction and transparency:
Banca IFIS introduces its new website
Another window to the world of Banca IFIS has
opened: the Bank is proud to present its new
complete and fully-functional web platform,
dedicated to those who wish to interact with the
Group, access its services, and be kept up-to-date on
current news.
An online platform which, from the clear and
intuitive home page onwards, provides information,
interaction and dialogue opportunities for all visitors.
The website (www.bancaifis.it) is designed to
promote knowledge of the Banca IFIS Group
through a new IT architecture, explicitly designed
for different types of visitors (potential customers,
shareholders, journalists, candidates, private and
institutional investors), as well as through providing
information according to the level of knowledge of
each type of visitor.
Banca IFIS proves its desire to be transparent and
close to the visitor by showing the faces of the
Group’s employees, in the belief that this structure
will simplify and improve relationships between the
Bank and all the stakeholders concerned.
Institutional investors can find all the documentation
andinformationtheydesireintheirdedicatedsection,
while the content included in the “Private Investors”
section is designed to promote comprehension of
banking terminology and the methods used by the
Bank, with the support, for example, of the Glossary
and the FAQ section.
All the press releases and press kits are included in
the “Media Room” section and can be downloaded
in pdf format, while the “Events” section contains
information on the initiatives and the events in which
the Group is involved: workshops, fairs, conventions,
corporate meetings, etc.
The website also includes an area dedicated to the
experiences of entrepreneurs who, also thanks
to Banca IFIS, have turned their companies into
success stories.
Fromthehomepage,andfromtheCommunitysection,
it is possible to then access the Social Networks in
which the Group participates: Facebook, Twitter,
LinkedIn, YouTube, SlideShare, SalvaRisparmio
(the blog dedicated to the world of savings) and
Mondo PMI, the most recent to be launched.
Mondo PMI is a blog dedicated to small and medium-
sized enterprises. It provides in-depth explanations
of topics such as business loans and the latest
innovations in the administrative field; its goal is
to be a content aggregator, also thanks to the direct
involvement of entrepreneurs, journalists, and
institutions (amongst which Studio Baldassi and
Salone d’Impresa) and provides news, ideas and
experiences relating to various aspects of business
activities in Italy.
Still on the subject of social networks, the target

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of 3,000 Likes on the rendimax savings account
Facebook page has recently been achieved and
exceeded. This confirms Banca IFIS’s strategic
vision and the bank continues to improve its retail
services through the use of new social media and
enhancing the telephone-based customer service. In
this sense, the ability to respond to its customers’
needs quickly and thoroughly has helped the Group
to earn numerous awards in all Facebook’s Top
Brands – Italy 2012 (awarded in May 2012), thanks
to rendimax’s page being classified among the Top
10 in “Response time”.
Thanks to these results, Banca IFIS has chosen
the Web to define the specifications of its new
current account as well. As was the case with the
launch of the rendimax ‘Like’ savings account, the
Bank has chosen to actively involve its customers
in this new product also through the publication
of ad hoc questions, both on the website www.
bancaifis.it and on the rendimax Facebook page.
Thousands of people have already expressed their
opinions on services deemed to be “fundamental”
and on more technical aspects, such as security.
The Banca IFIS Group thus confirms the great
importance it attributes to its customers’ needs; in
2011, with the help of its customers, it created, the
first on-demand savings account; a great success,
which is capable of exceeding the most optimistic
expectations in terms of growth and funding.
As far as concerns savings in the broader sense,
the Salvarisparmio blog offers a new way to interact
in a real way, taking full advantage of everyday
experience, thanks to discussions on current affairs
and the active sharing of opinions with users.

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04The Group’s recruitment
campaign continues
As already highlighted in the first Newsletter, the
Banca IFIS Group continues to hire despite
the economic crisis and unlike current trends
in Italian and non-Italian businesses. The
Bank’s growth rate and its numerous initiatives
encourage a policy of expansive recruiting,
oriented towards high-potential young talent and
key senior figures, both for the Headquarters
and for branches throughout the country.
Vacant positions can be consulted on the
Website and in the Careers Section of the Banca
IFIS Group’s LinkedIn page (http://www.
linkedin.com/company/banca-ifis/careers);
opportunities range from the commercial area
(Sales Executives) to more managerial roles
relating to the Group’s organisation and operations.
Currently, some of the positions most actively sought
are:
• Sales Manager (Bergamo, Genoa, Pordenone);
• Junior Credit Manager (Catania, Cuneo, Pescara);
• Senior Credit Analyst - International;
• Junior Credit Analyst;
• Executive Manager (North-Eastern and Southern
Italy and the Islands).

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05Culture, training and business –
initiatives and commitments
On 18 and 19 May, at the Villa Furstenberg Venice-
Mestre Office, the bank hosted the 10th Salone
d’Impresa, an important event where representatives
of small and medium, national and European,
businesses can meet and interact with each other.
For ten years now this initiative has been supporting
and developing a community of over 100,000
economic players and this year, starting with the
Polish sociologist Zygmut Bauman’s considerations
regarding the transition from modernism to the
post-modernism, attempted to present new ways to
deal with and overcome the crisis.
What success factors have allowed some companies
(the “liquid” ones) to overcome the crisis throughout
the years? What path did they follow and what tools
did they use?
The distinguished speakers present at the
convention, Prof. Enzo Rullani from the University
of Venice, the Councillor for Economic Development
of the Veneto Region Maria Luisa Coppola (who
announced reform of the districts and easier
access to loans), the CFO and VP of Gucci Micaela
Le Divelec, to mention just a few, attempted to
answer these questions. The 10th edition of Salone
d’Impresa was an occasion in which representatives
of the national and international business world,
together with exponents of the political and
institutional arena, provided their expertise to offer
ideas and suggestions on the issue under review in
order to identify: new businesses models; new paths
of development; and new corporate models and
environments to recover growth.
On the first day of the event, led by the Chairman
Ferdinando Azzariti, the companies’ current
scenarios were analysed and new management
models were investigated, concluding with some
corporate experiences characterised by continuous
and constant improvement throughout the corporate
structure, based on the organisational model that
can be found in Japan and the United States: the
Kaizen. The second day instead dealt with the theme
of the Bank-Enterprise relationship.
The participants included, amongst others, the CEO
of Banca IFIS Giovanni Bossi, the CEO of Morellato
Spa Massimo Carrara, the Chairman of Pasta
Zara SpA Furio Bragagnolo, the CFO of NH Hotels
Italia SPA Guido Nardotto, the Chairman of Cassa
di Risparmio del Veneto Giovanni Costa, and the
Chairman of Altana SpA Marina Salomon.
The Bank-Enterprise relationship was also the main
topic of the three meetings which the Banca IFIS
Group organised together with Fondazione CUOA,
a management school operating on a national and
international level, whose course plan currently
includes a new Master’s in Finance, thanks to the
Group’s support. This specialised Master’s degree

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aims to train managers to operate successfully in the
finance sector at banks, brokerage companies, asset
management companies, and consulting firms and
in the head financial offices of businesses operating
in the industrial and services sectors. The Master’s
program also includes lessons on factoring, held
with the support of professionals in the field from
the Banca IFIS Group.
Finally it should be noted that the Group will be a
supporter of Associazione Partners Palazzo Strozzi
for all of 2012, promoting, arts and culture “in
favour of Florence and those who love it” in a purely
patronal spirit.
Here are the more important upcoming events:
• the exhibition Americani a Firenze – Sargent e gli
Impressionisti del Nuovo Mondo which continues
until 15 July; this exhibit takes place in the fifth
centennial of Amerigo Vespucci’s death and
celebrates the strong ties between the old and new
continent;
• the exhibit Anni Trenta Arti in Italia oltre il
fascismo starting on 22 September, highlighting
the very vibrant artistic struggle of those years,
from classicism to futurism, from expressionism
to abstractionism, from monumental art to salon
painting.
The Banca IFIS Group has a very busy agenda of
events in which it participates or is involved: in May,
in Bologna, the Group participated, with its own
stand, in Exposanità, an International Fair oriented
towards the Healthcare and assistance sectors,
offering business solutions relating to the IFIS
Pharma brand
For information:
www.mondopmi.com
The blog for companies

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06Upcoming
events
An international workshop, organised in
collaboration with Credit Village, is scheduled for
26 September 2012, and is dedicated to the non-
performing loans sector in which the Group is the
leading player under its Toscana Finanza brand. The
event will be held, upon invitation, at the Head Office
of Banca IFIS, via Gatta 11 – 30174 Venezia Mestre,
Italy.
In addition to the event organised for the Toscana
Finanza brand, Banca IFIS promotes many others
through its Fast Finance brand. A few underway and
scheduled for this summer include:
• the round table: “Composition of the crisis of over-
indebtedness”, organized by the ‘Centro Studi di
Diritto Concorsuale’ in Bologna, which will take
place on 12 July, at the ‘Complesso conventuale
della basilica di S. Domenico’ in Bologna;
• the conference “The New Arrangement before
Bankruptcy: reflections on the Development
Decree”, organized by Redazione Scientifica “Il
Fallimentarista” (Giuffrè Editore), which will be
held at the Reggia di Caserta Theatre on 13 July.
www.nplmeeting.it
Event on
September, 26

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Price on 30/06/2012 4,99 €
365 day Min-Max Min 3,678 € – Max 4,99 €
Number of shares issued 53.811.095
Capitalisation 268.517.364,05 €
1 month performance +10.41%
6 month performance 27,25%
1 year performance +9,37%
Dividend paid 0,250 €/share (07/05/2012)
Specialist Centrobanca
Thanks to the positive results achieved, interest in Banca IFIS’s shares has increased markedly. Thanks to
continuous dialogue with the wider financial market and its participation in numerous events, many investors,
both Italian and English, have added Banca IFIS’s shares to their portfolio. Banca IFIS has achieved still further
attention thanks to it entering the FTSE Italia Mid Cap Index.
Banca IFIS shares on the stock market
Giovedì 09 agosto 2012 Approvazione relazione semestrale
Mercoledì 14 novembre 2012 Approvazione terza trimestrale
Thursday 09 August 2012 Approval of the half-year interim report
Wednesday 14 November 2012 Approval of quarterly results
Financial calendar
Shareholders’ breakdown
29 June 2012
Sebastian Egon Furstenberg 69,2
In circulation 24,5
Giovanni Bossi 3,4
Riccardo Preve 2,4
Treasury shares 0,5

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Follow us on Contact information
https://twitter.com/#!/BancaIFIS
http://www.facebook.com/Banca.IFIS
http://www.linkedin.com/company/banca-ifis
Website: http://www.bancaifis.it
Website of 2011 financial statements:
http://bilancio.bancaifis.it
Investor contact: Mara Di Giorgio
Email: mara.digiorgio@bancaifis.it
Tel. +39 041 502 7623
Coverage by analysts
Marco Cristofori,
Centrobanca, Gruppo UBI Banca,
marco.cristofori@centrobanca.it
_
Giovanni Razzoli,
Equita sim,
g.razzoli@equitasim.it
Marco Cavalleri,
Banca Akros,
marco.cavalleri@bancaakros.it
_
07Contacts