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A shareholding of CR Firenze Group
Chiaffredo Salomone Head of Marketing
Merrill Lynch European Midcap Financial
Conference London, 12 December 2001
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FINDOMESTIC Banca
A shareholding of CR Firenze Group
Widespread distribution

• Market share
• by transactions 27.8
• by volume 12.2
• 3,600,000 customer database
• 96 Customer Service Centres
• Over 65,000 affiliated stores
• 1,500 employees
• S P rating ST A2 LT A-
• 2000 ROE 18.3

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FINDOMESTIC EURO ZONE
A shareholding of CR Firenze Group
Consolidation in the core area and investments
in unserviced markets
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THE ITALIAN CONSUMER CREDIT LEADER
A shareholding of CR Firenze Group
Mortgages excluded
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EFFICIENCY
A shareholding of CR Firenze Group
System average 2
Findomestic, new business (yoy )
Italy, new business (yoy )
As of outstanding credits - Source
Assofin
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BUSINESS SEGMENTATION
A shareholding of CR Firenze Group
30 September 2001 - New business volume Euro
2.7 Billion
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A shareholding of CR Firenze Group
THE CARDS BUSINESS
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THE AURA CARD
A shareholding of CR Firenze Group
ISSUERS
FLEXIBILITY
Outlets 65,000 Cash advance by
Internet-Phone-ATM
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THE AURA CARD multibranding
A shareholding of CR Firenze Group
FY 2001E
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BUSINESS CONTRIBUTION
to the FINANCIAL MARGIN
A shareholding of CR Firenze Group
Aura growing business and high contribution
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FUTURE TRENDS
A shareholding of CR Firenze Group
Comparison with more developed markets shows room
for a further increase in consumer credit
UK 00
Source Merrill Lynch
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EUROPE GOES REVOLVING
A shareholding of CR Firenze Group
Findomestic is already there
ASSOFIN - Italy
EUROFINAS - Europe
FINDOMESTIC
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