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FinecoBank

Remuneration Information Mar 10, 2017

4321_dirs_2017-03-10_3d99278e-e9bd-4f07-bd39-b03d22de358f.pdf

Remuneration Information

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ORDINARY SHAREHOLDERS' MEETING AND EXTRAORDINARY MEETING

DIRECTORS' REPORT

"Please note that this is a convenient translation of an Italian document provided for information purposes only. Therefore, the Italian version of such document shall prevail in all respects on the English translation."

Ordinary Shareholders' Meeting

Item no. 7 on the agenda

Directors' Report

2017 Compensation Policy

Dear Shareholders,

We have called this ordinary Shareholders' Meeting to request your approval of the "2017 FinecoBank Compensation Policy" (hereinafter, also "2017 Compensation Policy"), set out in the attached document which forms an integral part of the present Report, in compliance with the requirements set by the Bank of Italy Circular n. 285 of December 17th, 2013 providing the "Supervisory Provisions concerning Banks" (hereinafter, "Supervisory Provisions" which prescribe that the ordinary Shareholders' Meeting approves, amongst other items, the remuneration policy for members of the Board of Directors, employees and collaborators not related to the company by an employment agreement (or for FinecoBank selected Personal Financial Advisors of the Company) as well as according to section 123-ter of the legislative Decree 58 dated February 24th, 1998 (Consolidated Finance Act, known as TUF from its Italian initials). The approval of remuneration policy and incentive systems must evidence their conformity with prudent risk management and the company's long-term objectives, ensuring also an appropriate balance between the fixed and variable components of remuneration as required by regulators and, in the case of the latter, risk-weighting systems and mechanisms designed to ensure that compensation is linked to effective and lasting results.

In addition, in compliance with indications of the regulators, the 2017 Compensation Policy provides information on the implementation of the 2016 FinecoBank compensation policy approved by the Shareholders' Meeting on April 12th , 2016 (Section II of the 2017 Compensation Policy "Annual Compensation Report").

It is therefore proposed that this Shareholders' Meeting approves the 2017 Compensation Policy which defines the principles and standards that FinecoBank applies and which are used to define, implement and monitor the compensation policy and systems. The proposal was formulated by the Human Resources function, with the contribution of Compliance, Risk Management, Finance and Network Controls, Monitoring and Service Department functions on the topics by their scope. Shareholders are also invited to consult the information regarding the implementation of the 2016 Compensation Policy of FinecoBank approved by the Shareholders' Meeting on April 12th , 2016.

2017 Compensation Policy

The key principles of the 2017 Compensation Policy, which are confirmed with respect to those approved by Shareholders' Meeting on April 12th, 2016, are described in the section II of the attached document - that were made available to Shareholders and the market – and they are summarised here below:

  • (a) the FinecoBank compensation approach is performance and market framework oriented and aligned with business strategy and Stakeholder interests, ensuring remuneration competitiveness and effectiveness as well as internal and external equity and transparency, by driving sustainable behaviours and performance;
  • (b) within FinecoBank's governance structure, rules and processes for delegation of authority and for compliance were defined with the aim of ensuring adequate control, coherence and compliance of remuneration framework throughout the Bank;

(c) the key pillars of the 2017 Compensation Policy are:

  • clear and transparent governance;
  • compliance with regulatory requirements and principles of good professional conduct;
  • continuous monitoring of market trends and practices;
  • sustainable pay for sustainable performance;
  • motivation and retention of all staff, with particular focus on talents and mission-critical resources
  • (d) on the basis of these principles, the 2017 Compensation Policy establishes the framework for a consistent approach and an homogeneous implementation of sustainable remuneration in FinecoBank, with particular reference to Identified Staff.

In line with the regulatory requirements provided by European Banking Authority (EBA), FinecoBank performed the yearly assessment of the staff categories whose professional activities have a material impact on the Bank's risk profile. The self-assessment was performed at local and Group level, as requested by Bank of Italy, and is documented in the 2017 Compensation Policy. The defined number of Identified Staff in 2017 amounted to 14 employees and 7 financial advisors.

Moreover, in line with the indications of national and international regulators, it was considered appropriate within the annual review of policy to highlight in particular:

  • i. updates of the regulatory framework as well as the peer group for compensation benchmarking
  • ii. the definition of the 2017 Identified Staff population, both employees and financial advisors;
  • iii. the ratio between variable and fixed remuneration. In particular, the adoption of a maximum ratio of 2:1 did not changed for the employees belonging to business functions, while for the rest of the employees, a maximum ratio equal to 1:1 is usually adopted, except for the staff of the company control functions, for which is provided that the variable remuneration could not exceed 33% of the fixed remuneration. Regarding the financial advisors belonging to Identified Staff, the 2:1 ratio will be adopted between the non-recurring and the recurring component of the remuneration;
  • iv. full description of the new 2017 FinecoBank incentive system reserved for employees belonging to Identified Staff;
  • v. full description of the new 2017 FinecoBank incentive system reserved for financial advisors belonging to identified staff;
  • vi. information about the role and activities of the Remuneration and Appointments Committee in 2016, as well as the role of Compliance, Audit and Risk functions;
  • vii. continuous disclosure of all information requested by national and international regulators (Bank of Italy, Consob and European Parliament).

Annual Compensation Report

In line with national and international standards, the key implementation features and the main results of FinecoBank compensation policy and 2016 incentive systems, as well as evidence of the coherence of the rationale behind the long-term loyalty plans of FinecoBank with the principles of its compensation policy and with specific regulatory requests, are described in the Annual Compensation Report that were made available for information to Shareholders and the market within the limits established by law. The Annual Compensation Report provides a description of compensation practices adopted in FinecoBank and the implementation of incentive systems, as well as Remuneration Tables with a focus on Non-Executive Directors, the Chief Executive Officer and General Manager, Executives with strategic responsibilities and other Identified Staff with a material impact on risk, in compliance in particular with the applicable regulations.

The Annual Compensation Report provides also the disclosure as per section 84-quater of Issuers regulation as adopted with the Consob Resolution no. 11971 of May, 14th, 1999, as later modified, referring to Directors, Statutory Auditors, General Manager and executives with strategic responsibilities. The document contains specific information regarding the approval and execution of equity plans, as requested by section 114-bis of TUF.

* * *

Dear Shareholders,

If you agree with the above, you are invited to approve the proposal on the agenda and, as a result, to adopt the following resolutions:

    1. To approve the "2017 Compensation Policy" of FinecoBank, as contained in the attached document which forms an integral part of the present Report, in order to define the principles and standards that FinecoBank shall apply to the definition, implementation and monitoring of compensation policy and remuneration plans throughout the organisation for the members of the Board of Directors, for employee and for selected Personal Financial Advisors of the Company.
    1. To confer to the Chairman and the Chief Executive Officer and General Manager, also separately, all necessary power of attorney to make any additions and/or modifications to the above 2017 Compensation Policy that will be eventually required by the regulators or changes of the Group Policy made by the Shareholders' Meeting of UniCredit that will be called to approve the 2016 Financial Report, which would render 2017 Policy of FinecoBank no longer consistent with that of the Group.

Item no. 8 on the agenda

Directors' Report

Termination payments policy renewal

Dear Shareholders,

We have called this ordinary Shareholders' Meeting to request your approval of the renewal of the "FinecoBank Termination Payments Policy" (hereinafter "2017 Severance Policy" or the "Policy"), set out in the attached document which forms an integral part of the present Report, in compliance with the requirements set forth in the Part I, Title IV Chapter 2, "Remuneration policies and practices" of the Bank of Italy's Circular n. 285 of December 17th, 2013 ("Supervisory Provisions concerning Banks"). In particular, according to the dispositions mentioned before, the ordinary Meeting has to approve, amongst other items, the criteria to determine the compensation to be granted in case of early termination of the employment or office, including the limits to such compensation in terms of annual fixed remuneration and the maximum amount deriving from their application.

In the general assumption that termination payment (hereinafter, also "the Severances") is defined in each case in the best interests of the company, such payments do not exceed the limits provided by the law and/or by the collective labor agreements applicable in case of lay-off.

In particular, it is proposed that the termination payments do not exceed 24 months of total compensation including the indemnity in lieu of notice. In this context, in any case, the additional payments on top of the indemnity in lieu of notice, cannot exceed 18 months of total compensation.

To this regards is highlighted that the 2017 Severance Policy - compared to the same policy approved by the Shareholders' Meeting on April 23rd 2015 - sets a more strict maximum limit for the Severances (the 2015 document set a maximum limit of 24 months, plus the indemnity in lieu of notice).

With the only aim of meeting the regulatory provision introduced by the Bank of Italy, which requires to set a maximum limit to Severances also in terms of number of monthly fixed pay and in absolute terms, it is reported that – in view of maximum 2:1 ratio between variable and fixed remuneration set by 2014 Shareholders' Meeting – the aforesaid maximum limit (including the indemnity in lieu of notice) could arrive to correspond to a merely theoretical value of 72 months of fixed compensation in the case, purely hypothetical and improbable, of a subject who in the last three years prior to the termination has always received bonuses in a measure equal to 200% of his/her fixed compensation. The value of the Severance so determined will not in any case exceed Eur 5,1 million.

The value of each month's salary used to calculate the Severance is set – in compliance with the law and the applicable collective labor agreement – considering the current fixed remuneration plus the average of the incentives actually cashed-in during the last three years prior to the termination.

Regarding the determination criteria, Severances, due to the mechanism for the calculation of the compensation used for the determination, which includes the bonuses actually cashed-in after the application of malus clause, are as a matter of fact already differentiated just on the basis of the risk-adjusted individual performance. The definition of their amount also occurs evaluating on a case-by-case basis and in an overall perspective, the specific objective and subjective circumstances of the relationship resolution, however considering - within the specific legal and contractual framework - the following elements: duration of the employment, performance provided over time, assumption of inappropriate risks, behaviors alignment with FinecoBank and Group values, personal and social impacts of the termination, willingness to take on additional commitments, interest of the company to come anyway to a consensual resolution of the relationship rather than a unilateral one.

Severances are paid out in forms and with timings fully consistent with the discipline, also regulatory, time by time applicable to the specific case.

* * *

Dear Shareholders,

If you agree with the above, you are invited to approve the proposal on the agenda and, as a result, to adopt the following resolutions:

    1. To approve the renewal of "FinecoBank Termination Payment Policy", as per the attached document and which form an integral part of this Report, in order to define the general principles, the limits, the criteria and procedures for payment of compensation to be granted in the case of early termination of the employment relationship or early termination of the position.
    1. To confer to the Chairman and the Chief Executive Officer and General Manager, also separately, every opportune power of attorney to make any additions and/or modifications to the above Policy that will be eventually required by the regulators or changes of the Group Policy made by the Shareholders' Meeting of UniCredit that will be called to approve the 2016 Financial Report, which would render 2017 Termination Payment Policy of FinecoBank no longer consistent with that of the Group.

Item no. 9 on the agenda

Directors' Report

2017 Incentive system

Dear Shareholders,

We have called this Ordinary Shareholders' Meeting to request your approval of the 2017 Incentive System, providing for the allocation of an incentive, in cash and/or in free ordinary shares, to be granted in a multi-year period to selected resources of FinecoBank, in accordance with the modalities described below and subject to the achievement of specific performance conditions.

This proposal was formulated in compliance with the provisions of section 114-bis of Decree 58 dated February 24th, 1998, and in accordance with the provisions set forth by Consob with reference to incentive plans based on financial instruments assigned to corporate officers, employees or collaborators; for this purpose, a document describing the details of the incentive system was released pursuant to section 84-bis of the Consob Regulation no. 11971/99 and subsequent amendments, and was made available to the public under the terms of the law and reference is made to detailed description of the incentive system described in this report.

The proposal is also aligned with the Compensation Policy of FinecoBank, the indications issued by the Bank of Italy on remuneration and incentives policies and practices, and the directive set by the European Directive 2013/36/EU (Capital Requirements Directive, also known as CRD IV), and by EBA (European Banking Authority) guidelines. Respecting these provisions, FinecoBank determined the adoption of a ratio between the variable and the fixed remuneration equal to 2:1 for employees working in business functions, unless of the application of a lower limit as provided by Regulators.

1. 2017 Incentive system

Goals

The 2017 Incentive System (hereinafter also "2017 System") aims to attract, retain and motivate FinecoBank beneficiaries, in compliance with the national and international regulatory requirements with the aim to define - in the interest of all stakeholders - incentive systems aligned with long- term company strategies and goals, linked to bank results, adjusted in order to consider all risks, in coherence with capital and liquidity level necessary to cover the activities in place and, regardless, be able to avoid misleading incentives that could drive excessive risks taking for the bank and the system on a whole.

Beneficiaries

The potential beneficiaries of the 2017 System, identified in line with the criteria issued by Commission Delegated Regulation (EU) no. 604/2014 of March 4th, 2014, are the following:

  • the Chief Executive Officer and General Manager (CEO/GM), the Deputy General Managers (DGM), the Executive Vice President (EVP), the Senior Vice President;
  • Employees with total remuneration more than Eur 500,000 in the last year;
  • Employees included within 0.3% of staff with the highest remuneration at local level;
  • Employees whose remuneration is within the remuneration ranges of senior management and other Identified Staff;
  • Other selected roles (including new hires).

The overall number of beneficiaries as at January 9th, 2017 is equal to 14.

Elements of the 2017 system

  • (a) In line with the same approach adopted in 2016, 2017 System provides for the bonus pool approach for determining variable remuneration to be paid in 2018. The link between profitability, risk and reward is guaranteed by directly linking the bonus pool with company results (at Group and local level), cost of capital and risk profiles relevant for the Group as stated in the Risk Appetite Framework.
  • (b) The bonus pool will be defined on the basis of local and Group performance and assigned to employees according to individual performance.

  • (c) The 2017 System aims to attract, retain and motivate the beneficiaries and to align FinecoBank incentive system to the most recent national and international regulatory requirements and provides for:

  • allocation of a variable incentive defined based on available bonus pool, individual performance evaluation, internal benchmark for specific roles and ratio between fixed and variable component set by the Ordinary Shareholders' Meeting;
  • definition of a balanced structure of upfront (as of the performance evaluation) and deferred payments, in cash and/or in shares;
  • distribution of share payments, coherently with the applicable regulatory requirements regarding the application of share retention periods. In fact the defined payment structure requires a retention period on shares (of two years for upfront shares and of one year period for deferred shares);
  • risk-adjusted metrics in order to guarantee long-term sustainability respecting the company's financial position and ensuring compliance with regulatory expectations;
  • malus clause (Zero Factor) applies in case specific thresholds (profitability, capital and liquidity) are not met at both Group and local level. In particular, the bonus pool of 2017 will be zeroed, while previous systems deferrals could be reduced from 50% to 100% of their value, based on final effective results and on the assessment performed by the relevant Bodies and Functions.
  • (d) Individual performance appraisal is based on specific goals, linked to the 5 fundamentals of UniCredit Group competency model: "Customer First"; "People Development"; "Cooperation and Synergies"; "Risk Management"; "Execution & Discipline".
  • (e) Incentive pay-outs shall be made over a multi-year period (2018-2023) subject to continuous employment at each date of payment and as follows:

  • in 2018 the first instalment of the overall incentive ("1st instalment") will be paid in cash, in absence of any individual values / compliance breach, considering also the gravity of any internal/external findings (e.g. Audit, Bank of Italy, Consob and/or analogous local authorities);

  • over the period 2019-2023 the remaining amount of the overall incentive will be paid in several instalments in cash and/or Fineco free ordinary shares; each subsequent tranche will be subject to the application of the Zero Factor for the year of allocation and in absence of any individual values / compliance breach, considering also the gravity of any internal/external findings (e.g. Audit, Bank of Italy, Consob and/or analogous local authorities);

  • (f) The final evaluation of Group sustainable performance parameters and risk-reward alignment will be reviewed by the Remuneration and Appointments Committee and defined by the Board of Directors of FinecoBank.
  • (g) The percentages of payments in cash and shares are defined considering beneficiary categories, as described in the following table::
2018 2019 2020 2021 2022 2023
20% cash +
CEO/GM and 1st reporting line 20% cash 10% cash 10% shares 10% shares 20% cash 10% shares
10% cash +
Other Identified Staff 30% cash 10% cash 30% shares 10% shares 10% shares -
  • (h) Furthermore, in coherence with 2016, it is provided the introduction of a specific minimum threshold below which deferral mechanism would not apply (equal to Eur 75,000 that will be paid in cash).
  • (i) The 2017 System can also be offered during the hiring process of outside employees. In the event that new hires are already beneficiaries of deferral incentive plans (known as "bonus buy-out"), the payment scheme that would be offered will reflect the scheme defined by previous employers, in accordance to actual regulations.
  • (j) The number of shares to be allocated in the respective instalments shall be defined in 2018, on the basis of the arithmetic mean of the official closing market price of Fineco ordinary shares during the month preceding the Board meeting that evaluates 2017 performance achievements. The allocation of a maximum number of 480,000 Fineco ordinary shares is proposed, representing about 0.08% of FinecoBank share capital, of which a maximum number of 48,000 Fineco ordinary shares devoted to possible new hiring from external market.
  • (k) The FinecoBank ordinary shares to be allocated will be freely transferable.

Item no. 9 on the agenda (Continued)

Changes to the 2017 system

In order to guarantee the compliance with regulatory and legal requirements (also regarding fiscal matters), to ensure the implementation of the 2017 System, the Chairman and the Chief Executive Officer will be granted with all necessary power of attorney to implement, also separately, any necessary adaptations to the 2017 System that do not change substantially the content of resolution of Board of Directors and Shareholders' Meeting, also via alternative solutions that fully comply with the principles of 2017 System and allow achievement of the same results (e.g. a different percentage distribution of the various instalments of payments; a different period of deferral; a retention on granted shares; extension of 2017 System application to other beneficiaries considered as equivalent to Identified Staff; using a trust company; paying an equivalent amount in cash in lieu of granting shares; to be determined on the basis of the market value of Fineco shares, considering the arithmetic mean of the official market price of ordinary shares during the month preceding each Board meeting to execute the actual grant).

It is understood that these amendments will be adopted in any case in accordance with the applicable requirements.

2. Shares requested for the 2017 incentive system

The issue of Fineco free ordinary shares necessary for the execution of the 2017 System, as in the past, will be performed in compliance with section 2349 of the civil Code and will be object of a delegation of power of attorney to the Board of Directors, in compliance with section 2443 of the civil Code.

Accordingly, the extraordinary session of today's Shareholders' Meeting will be asked to approve the proposal to delegate to the Board of Directors the related power of attorney.

For the issuance of Fineco ordinary shares to support the 2017 System the proposal will be submitted to the Extraordinary Shareholders' Meeting to transfer the powers of attorney to the Board of Directors as allowed by section 2443 of the Italian civil Code, to proceed with the capital increase in accordance with the provisions of section 2349 of the civil Code for a maximum nominal amount of euro 128,700,00 (attributable entirely to capital at Eur 0.33 per share, equal to the par value), corresponding to up to 390,000 Fineco ordinary shares with a par value of Eur 0.33 each, with the same characteristics as those in circulation with regular dividend entitlement.

Related to section 2443 of civil Code that provides that the Directors can exercise the right to carry out a free capital increase for a maximum period of five years starting from the date when the Shareholders' Meeting resolution providing the delegation of power was registered and therefore, until 2022, in order to assign last share instalment provided for 2023 it will be necessary to submit to a future Shareholders' Meeting approval a proposal aimed at integrating the delegation of power already provided to the Board of Directors so that the implementation of 2017 System can be completed.

The issue of free ordinary shares needed for the execution of 2017 System shall be done using the special reserve known as "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" which, if case may be restored or increased via allocation of profits or a portion of available statutory reserves, formed from the distribution of company profits that shall be identified by the Board of Directors at the moment of share issuance.

In case it will not be possible to issue (fully or partially) the shares to support the 2017 System, including the case in which the amount of the "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" would not be sufficient, an equivalent amount in cash will be allocated to the beneficiaries, determined in base of arithmetic mean of the official market price of Fineco ordinary shares during the month preceding the Board resolution that evaluates performance achievements 2017.

Dear Shareholders,

If you agree with the above proposal, you are invited to approve it by adopting the following resolutions:

"The Ordinary Shareholders' Meeting of FinecoBank S.p.A., having heard the Board of Directors' proposal,

RESOLVES

    1. to adopt the 2017 Incentive System which provides for the allocation of an incentive, in cash and/or Fineco free ordinary shares, to be performed by April 2023, to selected FinecoBank beneficiaries in the manner and terms described above;
    1. to confer to the Chairman and the Chief Executive Officer and General Manager, also separately, all necessary power of attorney to implement the present approval and the documents which represents part of it, also rendering any amendments and/or integrations which should be necessary to enact the present decisions of today's Shareholders' Meeting (without substantially changed the content of the decisions).

Item no. 10 on the agenda

Directors' Report

2017 Incentive system for personal financial advisors (PFA) identified staff

Dear Shareholders,

We have called this ordinary Meeting to request your approval of the 2017 Incentive System for Personal Financial Advisors, aimed at allocating an incentive in cash and/or in FinecoBank free ordinary shares, to be granted over a multi-year period to a selected group of FinecoBank Personal Financial Advisors Identified Staff, according to the conditions described below.

This proposal has been formulated in compliance with the provisions of section 114-bis of Decree 58 dated February 24th, 1998, and in accordance with the provisions set forth by Consob with reference to incentive plans based on financial instruments assigned to corporate officers, employees and collaborators; for this purpose, a document describing the details of the incentive systems has been prepared pursuant to Section 84-bis of the Consob Regulation no. 11971/99 and subsequent amendments, and has been made available to the public under the terms of law and reference is made to detailed description of the incentive system described in this report.

The proposal is also in line with FinecoBank Compensation Policy, the indications issued by Bank of Italy1 on remuneration policies and practices and the direction set by the European Directive 2013/36/UE (Capital Requirements Directive or CRD IV) and by EBA (European Banking Authority) guidelines. With this regards, it should be recalled that FinecoBank, in respect to these provisions, has defined the adoption of a ratio between the variable and the fixed remuneration equal to 2:1 for the Personal Financial Advisors Identified Staff, within the regulatory limit.

Goals

The 2017 Incentive System for Personal Financial Advisors Identified Staff (also the "2017 PFA System") aims to retain and motivate the Personal Financial Advisors, in compliance with national and international regulatory requirements and with the aim to define – in the interest of all stakeholders – incentive systems aligned with long term company strategies and goals, linked to Company results, adjusted in order to consider all kind of risks, in coherence with capital and liquidity levels needed to cover the activities in place and, in any case, able to avoid misleading incentives that could drive excessive risk taking for the bank and the system in its whole.

Beneficiaries

The potential beneficiaries of the 2017 PFA System, as provided by the criteria issued by Commission Delegated Regulation (EU) No 604/2014 of March 4th, 2014, are:

  • Personal Financial Advisors with a total remuneration ("recurring" and "non-recurring") greater than Eur 750,000 in the last year and with an impact on Bank risk profiles;
  • Personal Financial Advisors Area Manager who coordinate a structure to which is linked an overall portfolio equal or greater than 5% of total network assets and with an impact on Bank risk profiles;

The total estimated number of beneficiaries, as on the date of the hereby report, is ca.10.

Elements of 2017 PFA system

  • (a) The 2017 PFA System is based on the "bonus pool approach" to define variable remuneration to be paid in 2018. The link between profitability, risk and reward is assured by linking directly bonus pool with company results (at Group and local level), cost of capital and relevant risk profiles as stated in the Risk Appetite Framework.
  • (b) The Bonus pool will be defined based on FinecoBank and Group performance and assigned to beneficiaries according to individual performance.

1 7° update of November, 18th, 2014 of "Disposizioni di vigilanza per le banche", Circolare nr. 285 of December, 17th, 2013 ( "Nuove Disposizioni").

  • (c) The 2017 PFA System besides its aims to retain and motivate beneficiaries confirm the alignment of FinecoBank to the most recent national and international regulatory requirements providing for:
  • the allocation of a variable incentive defined on the basis of the available bonus pool, of the individual performance evaluation as well as in coherency with the bonus cap set by the ordinary Shareholder's meeting;
  • the definition of a balanced structure of upfront (done at the moment of performance evaluation) and deferred payments, in cash and in FinecoBank ordinary shares (also "shares");
  • the distribution of share payments, coherently with the applicable regulatory requirements regarding the application of share retention periods. The payment structure defined requires a retention period on upfront shares of 2 years and of 1 year for deferred shares;
  • risk adjusted metrics in order to guarantee long-term sustainability with respect to company's financial position and to ensure compliance with regulatory expectations;
  • malus condition (Zero Factor) applies in case specific thresholds (of capital & liquidity) are not met at both FinecoBank and Group levels (at local level it is considered also the profitability). In particular, the Bonus Pool related to 2017 performance will be zeroed.
  • (d) Incentive payouts will be made over a multi-year period (2018-2022), as indicated below and provided that the agency relationship of the beneficiaries is in place at the time of each payment:
  • in 2018 the first instalment of the overall incentive will be paid in cash ("1st instalment") in absence of any individual values/compliance breach, considering also the gravity of any internal/external findings (i.e. Audit, Consob and/or analogous local authorities);
  • over the period 2019-2022 the remaining amount of the overall incentive will be paid in several instalments in cash and/or FinecoBank ordinary shares; each further instalments will be subject to the application of the Zero Factor for the year of allocation and in absence of any individual /values compliance breach, considering also the gravity of any internal/external findings (i.e. Audit, Consob and/or analogous local authorities);
  • (e) The final evaluation of sustainable performance parameters and risk-reward alignment will be reviewed by the Remuneration and Appointments Committee and defined under the responsibility and governance of the Board of Directors of FinecoBank.
  • (f) The percentages of payments in cash and shares are defined as described in the following table:
2018 2019 2020 2021 2022
30% 10% cash + 10%
FinecoBank 10% FinecoBank FinecoBank
30% 10% ordinary ordinary ordinary
Personal Financial Advisors Identified Staff cash cash shares shares shares

(g) In coherence with 2016, it is foreseen a specific minimum threshold below which deferral mechanism will not be applied (Eur 75,000 that will be paid in cash).

  • (h) The number of ordinary shares to be allocated with the third, fourth and fifth instalments will be defined in 2018, on the basis of the arithmetic mean of the official closing price of FinecoBank ordinary shares during the month preceding the Board resolution that verifies 2017 performance achievements.
  • (i) The estimated allocation is maximum number of 346,000 FinecoBank ordinary shares, representing about 0.06% of FinecoBank share capital, therefore, well below the maximum limit of 20% provided by the applicable regulation, also taking into consideration the number of 714,325 treasury shares owned by the Company at the date of the present report, equal to 0.12% of share capital, and also the maximum number of treasury shares (i.e. number of 250,000 shares, equal to 0.04% of the current share capital) that the Bank will be able to purchase on the market in order to support the "2016 PFA Plan", already been authorized by the 2016 Shareholders' Meeting and also by the European Central Bank.
  • (j) The FinecoBank ordinary shares to be allocated will be freely transferable.

Item no. 10 on the agenda (Continued)

Changes to the 2017 pfa system

In order to guarantee the compliance with regulatory and legal dispositions (also in fiscal matter), during the implementation of 2017 PFA System, it deems appropriate to empower the Chairman and the Chief Executive Officer and General Manager, also separately, with every opportune power to implement any eventual change to the 2017 PFA System that do not change substantially the content of resolutions of Board and today's General Shareholders' Meeting, also through alternative solutions that fully comply with the principles of 2017 PFA System and allow achievement of the same results (e.g.: a different percentage distribution of the various instalments of payments; a different period of deferral; paying an equivalent amount in cash in lieu of granting shares, to be determined on the basis of the market value of FinecoBank shares, considering the arithmetic mean of the official closing price of ordinary shares during the month preceding each Board resolution to execute the actual grant; extension of 2017 PFA System application to other beneficiaries considered as equivalent to identified staff).

It is understood that these amendments will be adopted in any case in accordance with the applicable provisions and in particular as provided by the Regulation "Nuove Disposizioni".

Dear Shareholders,

If you agree with the above proposal, you are invited to approve it by adopting the following resolution:

"FinecoBank's ordinary shareholders' meeting, having heard the Board of Directors proposal,

RESOLVES

    1. to adopt the 2017 Incentive System for Personal Financial Advisors (PFA) Identified Staff which provides for the allocation of an incentive in cash and/or FinecoBank ordinary shares, to be performed by July 2022, to selected PFA beneficiaries in the manner and terms described above;
    1. to confer to the Chairman and to the Chief Executive Officer and General Manager, also separately, every opportune power of attorney to implement the present resolution and the documents which represent part of it, also rendering any amendments and/or integrations which should be necessary to enact the present deliberations of today's Shareholders' Meeting (not changing substantially the content of the resolutions).

Item no. 11 on the agenda

Authorization to purchase and dispose of treasury shares. Consequent and inherent resolutions

Dear Shareholders,

We have called this ordinary Meeting to request your approval of the authorization to purchase and to dispose of treasury shares. Consequent and inherent resolutions.

Supply related to the 2017 pfa system

In order to acquire the financial instruments needed to carry out the 2017 PFA System for the Personal Financial Advisors, it is needed to propose to the Shareholders' Meeting the authorization, pursuant article 2357 civil Code, to purchase and to dispose of treasury shares. In this way the Company will have, by purchasing them on the market, the shares needed to support the 2017 Incentive System for PFA through the assignment of those shares to the beneficiaries who have the right to receive them.

The proposal foresees to confer to the Board of Directors the faculty to carry out repeated and subsequent transactions to buy and sell (or other kind of disposals) treasury shares on a revolving base, also for fractions of the maximum amount authorized, so that, at any time, the number of shares of the purchase proposed and in the Company's ownership does not exceed the limits set by the law and by the authorization provided by the Shareholders' Meeting.

The authorization request is for maximum number of 346,000 ordinary shares, equal to 0.06% of share capital and, therefore, well below the maximum limit of 20% provided by the applicable regulation, also taking into consideration the nr. 714,325 treasury shares owned by the Company at the date of the present report, equal to 0.12% of share capital, and also the maximum number of treasury shares (i.e. number of 250,000 shares, equal to 0.04% of the current share capital) that the Bank will be able to purchase on the market in order to support the "2016 PFA Plan", already authorized by the 2016 Shareholders' Meeting and also by the European Central Bank.

The purchase of treasury shares will be executed within the limits of the distributable earnings and of available supply consequent to the last annual report approved at the moment of the disposal of purchasing operations.

The purchasing of treasury shares reduces the net worth of an equal amount, through the inclusion in the balance sheet of a specific passive item, with negative sign.

The proposal foresees that purchasing and disposition orders of treasury shares have to be made on regulated capital markets, according to art. 132 of the Consolidated Finance Act (TUF) and to art. 144-bis (1) (b) of Consob regulation, with the same operational procedures described in the guidelines of organization and management of such marketsin order to guarantee equality in treatment between Shareholders and which do not allow the direct matching of purchase orders against pre-determined sell orders; in particular, these purchases will have to be made:

(i) by public offering for purchase or trade;

  • (ii) on regulated capital markets, according to the operational procedures described in the guidelines of organization and management of such markets, which do not allow the direct matching of purchase orders against pre-determined sell orders;
  • (iii) by allocating to Shareholders, proportionally to their own shares, a put option to be exercised during the period of the authorization granted by the Shareholders' Meeting to purchase treasury shares.

Sell operations of treasury shares in portfolio instead will be executed in the manner deemed recommendable for the Company's interest, including transfer and/or the assignment to execute stock granting incentive plans.

With reference to the amount of the purchasing operations, it is proposed that it should not be below the nominal per share value, equal to a nominal value of Eur 0.33 and not above, as a maximum, to the arithmetic mean of the official closing price of FinecoBank ordinary shares registered in the MTA ("Mercato Telematico Azionario" – Milan Stock Exchange) in the 30 days preceding the purchase, increased by 10%.

Item no. 11 on the agenda (Continued)

Regarding the disposal of the treasury shares, the Board of Directors will establish from time to time criteria for the definition of the corresponding fees and/or modalities, terms and conditions of purpose of treasury shares in portfolio, taking into consideration the procedure followed, the share price trend in the period prior to transactions and the best interest of the Company.

Finally it is proposed that the authorization to purchase is released for a period of eighteen months from the date of the Shareholders' Meeting that passed the resolution for authorization.

Dear Shareholders,

If you agree with the above proposal, you are invited to approve it by adopting the following resolution: "FinecoBank's ordinary shareholders' meeting, having heard the Board of Directors proposal, according to the provisions of articles 2357 and 2357-ter of the Civ. Cod., 132 D, Lgs. D. n. 58/1998 and 114-bis of Consob Regulation

RESOLVES

    1. To authorize the purchase and the dispose of a maximum of number 346,000 treasury shares, equal to a nominal value of Eur 0.33 each, for the purposes of "2017 PFA System" under the terms and conditions described above, considering that buy back operations of treasury shares could be executed after having received the necessary authorization of the Regulator, according to articles 77-78 Reg. UE n°575/2013 (CRR) dated June 26th, 2013.
    1. To confer to the Board of Directors and consequently to the Chairman and to the Chief Executive Officer and General Manager, also separately, every opportune power of attorney to implement the present resolution and to communicate to the market, in accordance with applicable regulations.

Directors' Report

Renewal of the authorization to purchase and dispose of treasury shares for stock granting plan "2015 - 2017 pfa plan. Related and consequent resolutions

Dear Shareholders,

We have called this Ordinary Meeting to request your approval of an authorization renewal to purchase and dispose of treasury shares for stock granting plan "2015-2017 PFA PLAN". Related and consequent resolutions.

Supply related to the stock granting plan "2015-2017 PFA PLAN"

In order to acquire the financial instruments needed to carry out the stock granting plan "2015-2017 PFA PLAN" for the Personal Financial Advisors - also considering the relevant resolution of the Shareholders' Meeting held on June, 5th 2014 - it is needed to propose to the Shareholders' Meeting the authorization, pursuant article 2357 Civil Code, to purchase and to dispose of treasury shares. In this way the Company will have, by purchasing them on the market, the shares needed to support the stock granting plan "2015-2017 PFA PLAN" through the assignment of those shares to the beneficiaries who have the right to receive them.

The proposal foresees to confer to the Board of Directors the faculty to carry out repeated and subsequent transactions to buy and sell (or other kind of disposals) treasury shares on a revolving base, also for fractions of the maximum amount authorized, so that, at any time, the number of shares of the purchase proposed and in the Company's ownership does not exceed the limits set by the law and by the authorization provided by the Shareholders' Meeting.

The authorization request is for maximum number of 5,520,000 ordinary shares, equal to 0.91% of share capital and, therefore, well below the maximum limit of 20% provided by the applicable regulation, also taking into consideration the nr. 714,325 treasury shares owned by the Company at the date of the present report, equal to 0.12% of share capital, and also the maximum number of treasury shares (i.e. number of 250,000 shares, equal to 0.04% of the current share capital) that the Bank will be able to purchase on the market in order to support the "2016 PFA PLAN", already authorized by the 2016 Shareholders' Meeting and also by the European Central Bank.

The purchase of treasury shares will be executed within the limits of the distributable earnings and of available supply consequent to the last annual report approved at the moment of the disposal of purchasing operations.

The purchasing of treasury shares reduces the net worth of an equal amount, through the inclusion in the balance sheet of a specific passive item, with negative sign.

The proposal foresees that purchasing and disposition orders of treasury shares have to be made on regulated capital markets, according to art. 132 of the Consolidated Finance Act (TUF) and to art. 144-bis (1) (b) of Consob regulation, with the same operational procedures described in the guidelines of organization and management of such markets, in order to guarantee equality in treatment between Shareholders and which do not allow the direct matching of purchase orders against pre-determined sell orders; in particular, these purchases will have to be made:

(i) by public offering for purchase or trade;

  • (ii) on regulated capital markets, according to the operational procedures described in the guidelines of organization and management of such markets, which do not allow the direct matching of purchase orders against pre-determined sell orders;
  • (iii) by allocating to Shareholders, proportionally to their own shares, a put option to be exercised during the period of the authorization granted by the Shareholders' Meeting to purchase treasury shares.

Sell operations of treasury shares in portfolio instead will be executed in the manner deemed recommendable for the Company's interest, including transfer and/or the assignment to execute stock granting incentive plans.

Item no. 12 on the agenda (Continued)

With reference to the amount of the purchasing operations, it is proposed that it should not be below the nominal per share value, equal to a nominal value of Eur 0.33 and not above, as a maximum, to the arithmetic mean of the official closing price of Fineco ordinary shares registered in the MTA ("Mercato Telematico Azionario" – Milan Stock Exchange) in the 30 days preceding the purchase, increased by 10%.

Regarding the disposal of the treasury shares, the Board of Directors will establish from time to time criteria for the definition of the corresponding fees and/or modalities, terms and conditions of purpose of treasury shares in portfolio, taking into consideration the procedure followed, the share price trend in the period prior to transactions and the best interest of the Company.

Finally it is proposed that the authorization to purchase is released for a period of eighteen months from the date of the Shareholders' Meeting that passed the resolution for authorization.

Dear Shareholders,

If you agree with the above proposal, you are invited to approve it by adopting the following resolution:

"FinecoBank's ordinary shareholders' meeting, having heard the Board of Directors proposal, according to the provisions of articles 2357 and 2357-ter of the Civil Code, 132 D, Legislative Decree n° 58/1998 and 114-bis of Consob Regulation

RESOLVES

    1. To authorize the purchase and the dispose of a maximum nr. of 5,520,000 treasury shares, equal to a nominal value of Eur 0.33 each, for the purposes of "2015 – 2017 PFA PLAN" under the terms and conditions described above, considering that buy back operations of treasury shares could be executed after having received the necessary authorization of the Regulator, according to articles 77-78 Reg. UE n°575/2013 (CRR) dated June 26th, 2013.
    1. To confer to the Board of Directors and consequently to the Chairman and to the Chief Executive Officer and General Manager, also separately, every opportune power of attorney to implement the present resolution and to communicate to the market, in accordance with applicable regulations.

Item no. 1 and 2 on the agenda

Directors' Report

    1. Delegation to the Board of Directors, under the provisions of section 2443 of the Italian civil Code, of the authority to resolve in 2022 to carry out a free capital increase, as allowed by section 2349 of the Italian civil Code, for a maximum amount of Eur 22,110,00 corresponding to up to 67,000 FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation and with regular dividend entitlement, to be granted to the Identified Staff 2016 of FinecoBank in execution of the 2016 Incentive System; corresponding updates of the Articles of Association.
    1. Delegation to the Board of Directors, under the provisions of section 2443 of the Italian civil Code, of the authority to resolve, on one or more occasions for a maximum period of five years starting from the date of the Shareholders' resolution, to carry out a free capital increase, as allowed by section 2349 of the Italian civil Code, for a maximum amount of Eur 128,700,00 (to be allocated in full to share capital at Eur 0.33 per share, corresponding to the nominal value per share), corresponding to up to 390,000 FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation and with regular dividend entitlement, to be granted to the Identified Staff 2017 of FinecoBank in execution of the 2017 Incentive System; corresponding updates of the Articles of Association.

Dear Shareholders,

We have called this Extraordinary Shareholders' Meeting to submit for your approval the proposal to delegate authority to the Board of Directors, pursuant to section 2443 of the civil Code, to increase the share capital pursuant under section 2349 of the civil Code (granting of free ordinary shares to employees of FinecoBank) in order to:

    1. complete the execution of the "2016 Incentive System" (hereinafter the "2016 System") as per the approval of the Shareholders' Meeting of April 12th, 2016, as well as to
    1. execute the "2017 Incentive System" (hereinafter the "2017 System") submitted to the approval of today's ordinary session of the Shareholders' Meeting.

We also submit for your approval the consequent amendments required to the Articles of Association.

1. Delegation for capital increase to support the 2016 incentive system

As known, on April 12th, 2016 the Ordinary Shareholders' Meeting approved the 2016 Incentive System aimed to incentivize the Identified Staff of FinecoBank, over a multi-year period (2017-2022), through a balanced structure of "upfront" (following the moment of performance evaluation) and deferred payments, in cash and/or in Fineco ordinary shares.

In the same date, the ExtraOrdinary Shareholders' Meeting approved to give to the Board of Directors the power of attorney to issue the necessary free ordinary shares to execute the 2016 System.

Considering that, pursuant to Article 2443 of the civil Code, the power of attorney to the Directors for capital increase can't have a duration higher than five years from the date of the registration of relevant Shareholders' resolution, during the above mentioned meeting it was anticipated to Shareholders the need to submit to a future Shareholders' Meeting approval the proposed assignment of a further power of attorney to allocate the last share instalment to be executed in 2022, as foreseen by 2016 System.

Having said that, it is submit for the approval of today's meeting the proposal to give to the Board of Directors the power of attorney, that will be executed in 2022, to resolve a free capital increase for a maximum number of 67,000 ordinary shares, corresponding to up to Eur 22,110,00 calculated on the basis of the par value of Fineco ordinary share equal to Eur 0.33, consequently amending the Articles of Association.

Item no. 1 and 2 on the agenda (Continued)

The above mentioned capital increase would be carried out using the special reserve known as "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" set up for this purpose which, if case, may be increased via allocation of profits or a portion of available statutory reserves, formed from the distribution of company profits that shall be identified by the Board of Directors at the moment of share issuance.

2. Delegation for capital increase to support the 2017 incentive system

It has been submitted to the approval of today's Ordinary Shareholders' Meeting the 2017 System based on financial instruments, in order to align shareholders' and Management interests, reward long term value creation and motivate and retain key resources of FinecoBank.

The 2017 System aims to incentive in a multi-year period the following employees: Chief Executive Officer and General Manager (CEO/GM), Deputy General Managers (DGM), Executive Vice President (EVP), Senior Vice President (SVP), employees with total remuneration greater than Eur 500,000 in the last year, employees included within 0.3% of staff with the highest remuneration, employees whose remuneration is within the remuneration ranges of senior management and/or other Identified Staff and other selected roles (including new hires). The overall number of beneficiaries as at January 9th, 2017 is equal to 14.

Individual bonuses will be allocated to the beneficiaries of 2017 System based on available bonus pool, individual performance evaluation, internal benchmarking for specific roles and bonus cap as defined by the Ordinary Shareholders' Meeting.

Overall incentive pay-out shall be done over a multi-year period (2018-2023) in a balanced structure of "upfront" (following the moment of performance evaluation) and deferred payments, in cash and in shares, providing that the beneficiaries will be still employees at the moment of each payout:

2018 2019 2020 2021 2022 2023
20% cash +
CEO/GM and 1st reporting line 20% cash 10% cash 20% shares 10% shares 10% shares 10% shares
10% cash +
Other Identified Staff 30% cash 10% cash 30% shares 10% shares 10% shares -

The number of shares to be allocated in the respective instalments shall be defined in 2018, on the basis of the arithmetic mean of the official closing market price of Fineco ordinary shares during the month preceding the Board resolution that evaluates 2017 performance achievements (the maximum number of shares to support the 2017 System is estimated equal to 480,000).

Considering the number of beneficiaries and the total number of financial instruments to be allocated, the optimal method identified to execute the 2017 System is the resolution – on one or more occasions - by the Board of Directors upon power of attorney delegated by this Shareholders' Meeting under section 2443 of the Italian civil Code, of a free capital increase, as allowed by section 2349 of the Italian civil Code, within five years of the date of the Shareholders' resolution, for a maximum amount of Eur 128,700,00 (attributable entirely to capital), with the issue of up to 390,000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank. In compliance with section 2349 of the civil Code, the consequent amendments to the Articles of Association are submitted to today's Shareholders' Meeting.

Being understood that, under the provision of section 2443 of the Italian civil Code, the power of attorney to the Board of Directors for capital increase can't have a duration higher than five years from the date of the registration of relevant Shareholders' resolution, in order to complete the execution of 2017 System - having a 6-years duration - it will be submitted to one of the future Shareholders' Meetings approval the proposed assignment of a further power of attorney to the Board of Directors for capital increase to service the above mentioned 2017 System through the allocation of a maximum overall number of 90,000 Fineco ordinary shares, corresponding to a capital increase of a maximum of Eur 29,700,00.

It is highlighted that a maximum number of Fineco ordinary shares equal to 48,000 will be devoted to possible new hiring of Identified Staff from external market also in reference to the so called "bonus buy-out" to be paid to possible new hires who are entitled to receive previous incentive plans assigned by previous Employer. The pay-out scheme offered in such cases will mirror the one as defined by the previous Employer and regardless in compliance with actual regulations.

The capital increase would be carried out using the special reserve known as "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" set up for this purpose which, if case, may be increased via allocation of profits or a portion of available statutory reserves, formed from the distribution of company profits that shall be identified by the Board of Directors at the moment of share issuance.

In case it would not be possible to proceed with the issuance (full or partial) of the Fineco ordinary shares to support the 2017 System (including the case in which the amount of the "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" would not be sufficient), an equivalent amount in cash will be allocated to the beneficiaries, determined on base of arithmetic mean of the official closing market price of Fineco ordinary shares during the month preceding the Board resolution that evaluates results achieved in 2017.

Should the aforementioned delegation of power of attorney be exercised to its maximum amount, the newly issued shares would represent an overall 0.06% of existing share capital (0.08% considering the maximum number of shares equal to 480,000 which include also the 90,000 shares for the allocation of the last instalments in shares in 2023).

In light of the above, it is proposed to amend Art. 5 of the Articles of Association, through the amendment of the paragraph n. 10 and the insertion of an additional paragraph (n. 11). Changes submitted to Shareholders' approval are shown in the synoptic table below.

CURRENT TEXT PROPOSED AMENDMENT

Article 5 1. The fully subscribed and paid-up share capital is Eur 200,245,793.88 (two hundred million two hundred and forty five thousand seven hundred and ninety three point eight eight), divided into 606,805,436 (six hundred and six million eight hundred and five thousand four hundred and thirty six) ordinary shares with a par value of Eur 0.33 (point three three) each. 2. The share capital may be increased by way of a shareholders' resolution, through the issuance of shares, also bearing various rights, in compliance with legal requirements. In the event of an increase in share capital through a rights issue, the pre-emptive rights of shareholders may be excluded, limited to ten percent of the pre-existing share capital, provided that the issue price of the new shares corresponds to the market value of those already outstanding and that this is confirmed by a special report prepared by the appointed independent auditors. 3. Ordinary shares are registered shares. 4. The shares are indivisible and in the event of joint ownership they shall be regulated according to law. 5. The extraordinary Shareholders' Meeting may resolve upon the allocation of profits to the employees of the Company in accordance with current regulations. 6. The Shareholders' service address for their dealings with the Company shall be the address stated in the Shareholders' registry. Article 5 (unchanged) (unchanged) (unchanged) (unchanged) (unchanged) (unchanged)

TITLE II - SHARE CAPITAL - SHARES - BONDS

Item no. 1 and 2 on the agenda (Continued)

  1. The status of shareholder implies unconditional acceptance of the deed of incorporation and of the articles of association.

    1. The Board of Directors, shall be empowered, pursuant to Article 2443 of the civil Code, for a period of five years starting from the beginning of the negotiation on the Italian regulated market, to increase the share capital, free of charge – in one or more tranches – to implement the employee incentive schemes approved by the ordinary Shareholders' Meeting held on June 5, 2014, for a maximum amount of Euro 1,155,000.00 (entirely attributable to capital for Euro 0.33 per share, equal to the nominal unit value), issuing a maximum number of 3,500,000 new ordinary shares having a nominal value of Euro 0.33 each, with the same characteristics as those outstanding, with regular dividend rights, by assigning the corresponding maximum amount of profit and/ or profit reserves resulting from the last financial statements in question approved pursuant to Article 2349 of the civil Code, according to the terms, conditions and methods provided for in the incentive schemes. The Board of Directors, in partial execution of the authority granted in accordance with Article 2443 of the civil Code by the Extraordinary Shareholders' Meeting of 5 June 2014, resolved on 9 February 2015 to increase the share capital by a nominal Euro 79,761 (seventy-nine thousand, seven hundred and sixty-one) corresponding to 241,700 (two hundred and forty-one thousand, seven hundred) ordinary shares with a nominal value of Euro 0.33 (thirty-three cents) each, to service the implementation of employee incentive plans. The Board of Directors, in partial exercise of the powers conferred on the same pursuant to Article 2443 of the civil Code by the Extraordinary Shareholders' Meeting of June 5, 2014, decided, on February 8, 2016, to increase the share capital by the nominal amount of Eur 95,601.99 (ninety-five thousand six hundred and one point nine nine), corresponding to 289,703 (two hundred and eighty nine thousand seven hundred and three) ordinary shares with par value of Eur 0.33 (point three three) each, to service the implementation of employee incentive schemes.
    1. The Board of Directors has the right, pursuant to Article 2443 of the civil Code, to carry out a free share capital increase, pursuant to Article 2349 of the civil Code, resolve, one or more times and for a maximum period of five years (i) from the date of the shareholders' resolution dated April 23, 2015, for a maximum amount of Eur 131,159,49 with the issue of up to 397,453 new FinecoBank ordinary shares, as well as (ii) from the date of the shareholders' resolution dated April 12, 2016, for a maximum amount of Eur 32.789,79 with the issue of up to 99.363 new FinecoBank ordinary shares; attributable entirely to capital at Eur 0.33 per share, equal to the par value of each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Staff of FinecoBank, which covers key positions for the achievement of the overall objectives in execution of the 2015 System.

(unchanged)

(unchanged)

(unchanged)

    1. The Board of Directors has the right, pursuant to Article 2443 of the civil Code, to resolve, one or more times and for a maximum period of five years from the date of the shareholders' resolution dated April 12, 2016, a free increase in share capital, pursuant to Article 2349 of the civil Code, for a maximum amount of Eur 88,440 (attributable entirely to capital at Eur 0.33 per share, equal to the par value of each), with the issue of up to 268.000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank in execution of the 2016 System.
    1. The Board of Directors has the right, pursuant to Article 2443 of the civil Code to carry out a free share capital increase, pursuant to Article 2349 of the civil Code, to resolve, one or more times and for a maximum period of five years (i) from the date of the shareholders' resolution dated April 12, 2016, a free increase in share capital, pursuant to Article 2349 of the civil Code, for a maximum amount of Eur 88.440 (attributable entirely to capital at Eur 0.33 per share, equal to the par value of each), with the issue of up to 268.000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank in execution of the 2016 System. as well as (ii) from the date of the shareholders' resolution dated April 11, 2017, for a maximum amount of Eur 22,110,00 (attributable entirely to capital) with the issue of up to 67,000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank in execution of the 2016 System.
    1. The Board of Directors has the right, pursuant to Article 2443 of the civil Code, to resolve, one or more times and for a maximum period of five years from the date of the shareholders' resolution dated April 11, 2017, a free increase in share capital, pursuant to Article 2349 of the civil Code, for a maximum amount of Eur 128,700,00 (attributable entirely to capital) with the issue of up to 390,000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank in execution of the 2017 System.

It should be noted that the amendments to the Articles of Association of FinecoBank submitted to the approval of today Shareholders' Meeting are subject to the measure of examination by the Bank of Italy pursuant to the provisions of Article 56 of Legislative Decree no. 385/9.

The aforementioned amendments will be effective starting from the registration of the Extraordinary Shareholders' Meeting resolution at the relevant "Registro delle Imprese".

Item no. 1 and 2 on the agenda (Continued)

Dear Shareholders,

in relation to the above, considering as approved by today's ordinary Shareholders' Meeting the adoption of the 2017 Incentive System, you are invited to approve the following resolution:

"The Extraordinary Shareholders' Meeting of FinecoBank S.p.A., having heard the Board of Directors' proposal,

RESOLVES

    1. to grant the Board of Directors, under the provisions of section 2443 of the Italian civil Code, the authority to resolve in 2022 a free capital increase, as allowed by section 2349 of the Italian civil Code, for a maximum amount of Eur 22,110,000 corresponding to up to 67,000 Fineco ordinary shares, to be granted to the Staff of FinecoBank, which covers key positions for the achievement of the overall objectives in execution of the 2016 System approved by the Ordinary Shareholders' Meeting on April 12, 2016. Such an increase in capital shall be carried out using the special reserve known as "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" set up for this purpose which, if case, may be increased via allocation of a portion of profits or available statutory reserves, formed from the distribution of company profits that shall be identified by the Board of Directors at the moment of share issuance;
    1. further to the resolution passed in point 1, to amend the paragraph no. 9 in clause 5 of the Articles of Association with the following text "The Board of Directors has the right, pursuant to Article 2443 of the civil Code, to resolve a free increase in share capital, pursuant to Article 2349 of the civil Code, one or more times and for a maximum period of five years (i) from the date of the shareholders' resolution dated April 12, 2016, for a maximum amount of Eur 88,440,00 (to be allocated in full to share capital at Eur 0.33 per share, corresponding to the nominal value per share) with the issue of up to 268,000 new FinecoBank ordinary shares, as well as (ii) from the date of the shareholders' resolution dated April 11, 2017, for a maximum amount of Eur 22,110 with the issue of up to 67,000 new FinecoBank ordinary shares; attributable entirely to capital at Eur 0.33 per share, equal to the par value of each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Staff of FinecoBank, which covers key positions for the achievement of the overall objectives in execution of the 2016 System";
    1. to grant the Board of Directors, under the provisions of section 2443 of the Italian civil Code, the authority to resolve, on one or more occasions for a maximum period of five years from the date of Shareholders' resolution, to carry out a free capital increase, as allowed by section 2349 of the Italian civil Code, for a maximum amount of 128,700,00 (attributable entirely to capital at Eur 0.33 per share, equal to the par value), corresponding to up to 390,000 Fineco ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those outstanding, with regular dividend entitlement, to be granted to Identified Staff of FinecoBank, in execution of the 2017 System approved by today's Ordinary Shareholders' Meeting. Such an increase in capital shall be carried out using the special reserve known as "Provisions Linked to the Medium-Term Incentive System for the staff of FinecoBank" set up for this purpose which, if case, may be increased via allocation of a portion of profits or available statutory reserves, formed from the distribution of company profits that shall be identified by the Board of Directors at the moment of share issuance;
    1. further to the resolution passed in point 3, to insert a new paragraph (no. 11) in clause 5 of the Articles of Association with the following text: "The Board of Directors has the right, pursuant to Article 2443 of the civil Code, to resolve, one or more times and for a maximum period of five years from the date of the shareholders' resolution dated April 11, 2017, a free increase in share capital, pursuant to Article 2349 of the civil Code, for a maximum amount of Eur 128.700,00 (attributable entirely to capital at Eur 0.33 per share, equal to the par value of each), with the issue of up to 390,000 new FinecoBank ordinary shares with a nominal value of Eur 0.33 each, with the same characteristics as those in circulation, with regular dividend entitlement, to be granted to the Identified Staff of FinecoBank in execution of the 2017 System";
  • to delegate to the Board of Directors all the necessary powers for issuing the new shares;

    1. to give to the Chairman and to the Chief Executive Officer and General Manager, also separately, all necessary power of attorney to:
  • (i) provide for implementing the above resolutions under the terms of the law;
  • (ii) accept or adopt all amendments and additions (not changing substantially the content of the resolutions) which should be necessary for registration at the Register of Companies;
  • (iii) proceed with the deposit and registration, under the terms of the law, with explicit and advanced approval and ratification;
  • (iv) make the consequent amendments to clause 5 of the Articles of Association, as described in the resolution above.

FinecoBank S.p.A.

Piazza Durante 11, 20131 Milano Freephone 800 52 52 52 From e mobile phone or from abroad 02 2899 2899 [email protected] FinecoBank S.p.A. – Part of the UniCredit Banking Group enrolled in the Register of Banking Groups at No. 02008.1 Registered Oce in Piazza Durante 11, Milan, 20131 Headquarters in Via Rivoluzione d'Ottobre 16, Reggio Emilia, 42123 approved Share capital €200,545,403.85 fully subscribed and paid-in €200,540,166.09 ABI Code 3015.5 – VAT No. 12962340159 – Tax ID No. and Milan Companies Register No. 01392970404 and the Interbank Fund for the Protection of Deposits. Fineco is a trademark licensed for use by FinecoBank S.p.A.

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