Consolidated annual report 2008

The manager responsible for preparing the company’s financial reports Daria Bagnasco, Director in charge of Planning and Accounting of Banca CARIGE S.p.A., declares, pursuant to paragraph 2 of
Article 154 bis of the Consolidated Law on Finance, that the accounting information contained in the
“On line Financial Statements 2008” section of the Banca Carige Group site corresponds to the
document results, books and accounting records. Translated into the English language solely for the convenience of international readers.

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Beta Gap Incremental: Gap analysisⁱ method that takes into account, for sight items, the percentage of absorption by internal rates of the external market rate variation.

Glossary

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