THE COMPANY

Banca Agrileasing has been operating in the market for over 30 years, offering the best financial solutions for production investments of small and medium enterprises and artisans. Its products cover all leasing areas: real estate, instrumental, motor vehicles, watercraft and ethical assets. It sustains companies' development through the offering of different financial solutions for loans and its advisory services as corporate finance. It supports companies in the internationalisation process in the Mediterranean area and protects them against interest rate variations by hedging with coverage derivatives. It is one of the leading banks of the sector and, with its 15 branches and 3 representative offices spread over the country, it cooperates closely with the BCC (cooperative credit banks). It also offers leasing and factoring services through its subsidiaries Nole and BCC Factoring.

BANCA AGRILEASING Figures
(As at 30 June 2009)

• share capital of 285,366,250.00 Euro fully paid-up
• 6.49% share of market;
• 15 branches and 3 office of representation distributed throughout the national territory and 1 representative office in Tunisia;
• staff of 458;
• more than 80% of investments made with "Banche di Credito Cooperativo" customers
• Ranked among Italy's top 5 leasing companies
• Rating "A" long term by Standard & Poor's
• Rating "A" long term by Fitch Ratings
• Rating "A3" long term by Moody's

THE GROUP
Iccrea Holding is the parent company of the "Credito Cooperativo" banking network.

A BRIEF HISTORY of BCC'S System

• Second half of the 19th century: the first cooperative bank was founded in Germany by F.W. Raffeisen.
• 1883: the first "Farmers and Artisans Bank" was founded in Lareggia (Province of Padua) by L. Wollemborg.
• 1905: The Italian Federation of Farmers and Artisans Banks was created
• 1963: The I.C.C.R.E.A. Central Institute was founded
• 1994: Iccrea Holding was founded

BCCs NUMBERS
(As at 30 May 2009)

• 430 Cooperative Banks


• 4,127 bank branches, representing 12.1% of the banking system, active in over 2,613 municipalities


• 940,000 partners (at 31 dec 2008)

BANCA AGRILEASING PRODUCTS

1. LEASING
   
   Equipment leasing
   This type of operation allows companies to acquire new equipments for production, such as: machinery and systems (lathes, construction, textile production, fork lifts, earth-moving machinery etc.).
   
   Real Estate leasing
   Building or acquiring a larger real-estate facility: shop buildings, industrial structures, commercial real estate, offices etc.
   • Real estate to be built: Banca Agrileasing is active from the beginning, with the purchase of the land and the request for the construction license, directly handling every due diligence for technical, legal and administrative nature.
   • Existing real estate constructions: Banca Agrileasing handles every technical, legal and administrative due diligence to the real estate holding.
   
   Cars and Trucks leasing
   The simplest and most rapid way to finance the purchase of: automobiles, vans, pick-ups, commercial and industrial vehicles, public buses, charter buses, special vehicles, company motor pools.
   
   Full Leasing
   In addition to financial leasing provides all the services required to make the best use of your car, including maintenance, insurance, accident management, and relief vehicle and registration tax. Purchase option always available at the end of the contract with flexible residual values from 1% to 43%.
   
   Ethical Leasing
   Banca Agrileasing believes in social responsibility and protection of the environment; for this reason it created the Ethical Leasing, an innovative formula to promoting and supporting projects with ethical content and organisations of ethical interest. The purposes are to promote the development of solidarity and eco-support and, at the same time, motivate the ethical choice in terms of production, services and industrial policies.
   
   Nautical Leasing
   Banca Agrileasing allows people to realize their dreams with a financial solution addressed to individuals and companies. Everyone can weigh anchor and set sail for their dreams without a care in the world. Banca Agrileasing looks after all the necessary procedures, leaving you only the pleasure of the boat and the satisfaction of an ambition fulfilled.



2. CORPORATE FINANCE


The range of Corporate Finance services offered by Banca Agrileasing includes: Advisory services - highly specialised consulting services aimed at assisting enterprises and entrepreneurs, managers and public entities in:
• Fairness opinion and company evaluation
• Mergers&Acquisitions
• Privatisations
• Project Finance
Financing services- financial facilities expressly designed for corporate finance deals regarding:
• Acquisition Finance
• Project Finance
Development Finance – traditional financing facilities to support the internal growth of companies


3. INTERNATIONALISATION


In order to support Cooperative Banks and their clients in the process of internationalization, Banca Agrileasing has developed a vast range of financial and consulting solutions in line with the new role assigned to the Corporate Bank within Iccrea Banking Group.
• The Mediterranean area

The Mediterranean basin is one of the areas with greatest potential for development today. Banca Agrileasing is directly present in Tunisia - a "hub" for all the other nations in the area - in order to provide support through financial assistance and consulting services to Credito Cooperativo client companies :
• that intend to establish new commercial, industrial, financial, and economic relations;
• that already operate in the area with productive investments.


• EU- and Outside-EU Europe

A truly vast network of commercial alliances lets Banca Agrileasing offer its clients international coverage on equipment (financial and operative), Real estate and Vehicle leasing products.
Banca Agrileasing also vaunts solid presence in Vendor Finance in order to guarantee Italian suppliers with support.


4. COVERAGE DERIVATIVES


Banca Agrileasing offers its clients five different options for ensuring coverage against changes in interest rates during the lifetime period of their leasing and medium/long term financing contracts.

Therefore, the offer includes instruments exclusively aimed at a coverage connected with certain specific financial exposures.

In other words, it is a sort of insurance against those events that might occur on markets and that might negatively affect the profitability and economic sustainability of the initiative, as evaluated by the entrepreneur at the decision-making stage.

Banca Agrileasing's qualified financial experts provide client enterprises with all the information they need on derivative financial instruments and rates, as well as all the support they need to choose the right product.


5. CREDITS


Banca Agrileasing offers all kinds of financing facilities: mortgage lending, credit adjudication, and loan credit. 30 different financing instruments which make up the new product catalogue of banker's credits available from Agrileasing.

Banca Agrileasing Credit Division deals with all credit processes, including analysis methods and the development of advanced ratings systems, monitoring, and credit/claims management.


6. FACTORING


Banca Agrileasing provides factoring its subsidiary BCC Factoring. The services offered are the assessment, management and insurance of credits. The products offered, which entails different combinations of the services are:
• Recourse factoring
• Non recourse factoring
• Maturity
• Reverse factoring


7. EQUIPMENT RENTING


Banca Agrileasing provides equipment renting by its subsidiary "Nole".
Nole is market leader in the "small ticket" sector, which involves contracts up to €25,000.

Customers

• professionals
• small and medium-sized companies
• big companies

Activity sectors

• Telecommunications
• Information technology (IT)
• Copy
• Medical
• Banking IT
Nole operates in partnership with associated vendors, these being the manufacturers (or distributors) of the goods being offered under renting.

CONTACTS

Mariella Liverani
Head of Innovation and Development
tel. +39 06 7207 7112
e-mail address: mariella.liverani@agrileasing.it

Enrico Duranti
General Manager
tel. +39 06 7207 7052
e-mail address: enrico.duranti@agrileasing.it

Guido Soldano
Compliance Manager
tel. +39 06 7207 7191
e-mail address: guido.soldano@agrileasing.it

Giuseppe Palmieri
HR Manager
tel. +39 06 7207 7151
e-mail address: giuseppe.palmieri@agrileasing.it

CONTACT FOR BUSINESS PROPOSALS:

Enrico Giancoli
Head of Marketing Department
tel. +39 06 7207 7098
e-mail address: enrico.giancoli@agrileasing.it