Indipendent auditors’ report on the Consolidated Fianncial Statement

Indipendent auditors’ report on the Consolidated Fianncial Statement

The attached report of the independent auditors and the consolidated financial statements to which it refers conform to those which will be deposited at the registered office of Banca IFIS S.p.A. and published pursuant to the law; subsequent to the date given in the report, Reconta Ernst & Young S.p.A. did not carry out any audit work aimed at updating its contents.