| Gruppo UBI Banca - Profitability Indicators |
| | 31/12/2008 | 30/09/2008 | 30/06/2008 | 31/03/2008 |
Normalised ROE - net of merger differences (annualized) | 6.8% | 10.8% | 12.5% | 10.3% |
Cost/income ratio excluding PPA effects | 59.8%* | 57.1% * | 56.0% * | 56.7% |
* Cost/income ratio net of non recurring items and excluding PPA effects
| UBI Banca Group - Capital Ratios |
Total Capital Ratio | 11.08% | | 10.33% | |
Capital ratios are calculated on the basis of Basel 2 standardised approach. | UBI Banca Group - Risk Ratios |
| | 31/12/2008 | 30/09/2008 | 30/06/2008 | 31/03/2008 |
Net bad loans ("sofferenze")/net loans to costumers | 0.88% | 0.79% | 0.77% | 0.79% |
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