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Last update on 26/10/2021 14:37:46




2006 - Main indicators and ratios

The merger between BPU Banca and Banca Lombarda for the creation of UBI Banca was announced in Novembre 2006 and became effective on April 1st, 2007. The first available pro-forma financial highlights referring to UBI Banca are those as at  December 31st,  2006. Please refer to the Historical Documentation section to view the Financial Highlights relating to BPU Banca and Banca Lombarda prior to the announcement.

The reclassified pro-forma balance sheet for 2006 incorporate the calculation and allocation of merger differences, as well as the impacts of the PPA, in the same terms and in the same amount as performed for the financial statements for 2007.


UBI Banca Group - Profit Indicators 


Normalized ROE - net of merger differences (annualized)




Cost/Income ratio - net of non recurring items and excluding PPA effects


UBI Banca Group - Capital Ratios

Core capital/total weighted assets (tier1)


Supervisory capital/total weighted assets (total capital ratio)


UBI Banca Group - Risk Ratios

Net bad loans ("sofferenze")/net loans to customers


Net non performing loans/net loans to customers                      0.69%

Ubi Banca Schemes