Who we are
We are 17,000 men and women who form a cooperative banking group with 1,800 branches.
Over the past 150 years, we have become part of
the history of the households and businesses in our
local areas.
2.6 million people have placed their trust in us.
Every day we work for them, helping them make
their projects, ideas and aspirations become reality.
We are Banco Popolare (the People’s Bank).
Why the People’s Bank?
“People’s” because we really understand what the
households, individuals, businesses, traders, professionals, institutions and associations based in
the areas in which we operate want. We know the
places and the backgrounds, because they are ours
too: the same ones we were established in and grew
up with, living through the good and the hard times
alike.
“People’s” because we provide support to those
experiencing social hardship, those that work in the
healthcare service and those who are committed
to assuring the civil and cultural growth of our cities. We are dedicated to guaranteeing this support
constantly through our local foundations and our
network of branches.
“People’s” because we are a bank for everyone who
wishes to become a part of it, as shareholders or
members. Their contribution is important. Always.
Our background
We were established on 1 July 2007 following a large-scale project through which several of the most
historically important organisations in the world
of people’s credit and savings decided to pool their
traditions, expertise and prospects.
Today, Banca Popolare di Verona, Banca Popolare
di Novara, Banca Popolare di Lodi, Credito Bergamasco, Banco S.Geminiano e S.Prospero, Cassa di
Risparmio di Lucca Pisa Livorno, Banca Popolare di
Cremona, Banca Popolare di Crema, Banco di Chiavari e della Riviera Ligure, Banco San Marco, Banca
Popolare del Trentino, Cassa di Risparmio di Imola, Banco Popolare Siciliano and Banca Aletti work
together within Banco Popolare and are its driving
force.
Our mission
Carlo Fratta Pasini
Chairman
Pier Francesco Saviotti
Managing Director
Guido Castellotti
Deputy Chairman
Maurizio Comoli
Deputy Chairman
Maurizio Faroni
General Manager
Domenico De Angelis
Joint General Manager
“To serve our private and corporate Customers, by
creating stable and sustainable value over time for
Members, Shareholders and for Local communities.”
Carlo Fratta Pasini
Chairman of Banco Popolare
Our vocation
Our business focuses above all on households, professionals, traders, artisans and small and medium
enterprises. We currently work with over 2,000 suppliers mostly located in areas where the Group has
its traditional roots, selected with the assistance of
the sales network.
We have developed strong territorial roots in regions
where production output is highest. Our efforts are
mainly focused on traditional banking activities.
Our multichannel approach means that Customers
can manage their own banking needs through their
computers, tablets, smartphones, telephones and
ATMs, with the remote support of their branch.
We are engaged in all of the main activities in the
credit and financial sector, at the service of our
Customers, whose advice and opinions on how to
improve our operations are always welcome, every
day.
On several occasions, we have intervened to provide assistance to families and businesses that have
been affected by natural disasters, by making new
loans available to them immediately, to help them
overcome a difficult situation or at times a calamity
that has hit our local communities.
The Foundations
The bond between people, families and local businesses is fundamental to us.
Each area has different and specific needs. We are
able to meet these requirements also thanks to our
Foundations.
Every year we allocate significant resources to support our local communities. In 2014, we devolved almost 5 million euro to charity activities, 32% of which
was dedicated to social and solidarity projects, 29%
to promoting culture, 14.4% to protecting artistic
and architectural heritage, 10.2% to healthcare, 10%
to providing support for education and 3.9% to sport.
The Foundations strengthen the bond between the
bank and the local community and represent a driving force for the common good. Our “people’s” nature preserves and reinforces the original spirit of
service and common ground between members, leading to social accountability and a genuine bond with
“our people”.
The Banca Popolare di Lodi Foundation, the Banca
Popolare di Novara Foundation for the territory, the
Credito Bergamasco Foundation, the S.Geminiano e
S.Prospero Cult Foundation and the Zanotto Foundation in Verona play this important role in supporting
the local community alongside Banco itself.
Loans in local areas
by customer segment (at 31/12/2014)
Euro 61.3 bn
of which Euro 28.5 bn
Mortgage loans
Mid Corporate
Institutional and other
Large Corporate
Entities
Private Customers *
Small Business
The market
Income statement figures as at 31/12/2014 (Euro/millions)
Financial margin
1.645,6
Operating income
3.385,9
Operating expenses
2.269,3
Income (loss) from operations
1.116,6
Market listing
Milan Stock Market
Stock code: IT0004231566
Indices: FTSE MIB/FTSE Italia All Share Banks/
Eurostoxx Banks/ Eurostoxx Index
Note: (*) The Private Customers segment also includes Small Business Operators
(businesses/professionals with a turnover of <Euro 100K).
Direct funding of core segments
Euro 86.5 bn
15%
Euro 73.4 bn
(100%)
10%
11%
Institutional
Non-institutional
23%
85%
56%
Total Direct
Funding
Direct Funding
Non-institutional
Other
Repos
Retail bonds
Traditional funding
Balance Sheet figures as at 31/12/2014 (Euro/millions)
Assets123.081,7
Loans to Customers (gross)
87.661,2
Direct funding
86.513,5
Indirect funding
66.476,0
Organisational structure
and territorial network
Group territorial network
Figures as at 31 12 2014
The Group operates in Italy in all banking and financial sectors. It
also has subsidiaries and branches in other European countries,
and several representation offices in Asia. Banco Popolare’s registered and administrative office is in Verona and it has administrative offices in Lodi and Novara. In addition to its role as parent
company, Banco also operates as a bank, organised into Divisions
on a territorial basis, and is dedicated to its traditional roots. In
2014, following a merger by incorporation of Credito Bergamasco,
Banco Popolare further simplified its organisational model by rationalising Credito Bergamasco’s local management.
Banca Popolare di Verona
Banco S.Geminiano e S.Prospero
Banco San Marco
Banca Popolare del Trentino
Cassa di Risparmio di Imola
Banca Popolare di Novara
Banco Popolare Siciliano
Verbano
C.O.
Aosta
Novara
Torino
Monza Bergamo
Brianza
Lodi
Vercelli
Pavia
Asti
Cremona
Piacenza
Alessandria
Parma
Genova
Cuneo
Savona
Vicenza
Brescia
Milano
Verona
Mantova
Banca Popolare di Lodi
Cassa di Risparmio di Lucca Pisa Livorno
Banco di Chiavari e della Riviera Ligure
Banca Popolare di Cremona
Banca Popolare di Crema
Treviso
Trieste
Venezia
Padova
Multi trademark areas
Rovigo
Reggio
Emilia
Ferrara
Modena
Bologna
La Spezia
Massa Lucca
Prato
Pistoia
Carrara
Firenze
Pisa
Imperia
Credito Bergamasco
Udine
Pordenone
Como Lecco
Varese
Biella
Belluno
Trento
Ravenna
Forlì-Cesena Rimini
Pesaro e Urbino
Arezzo
Livorno
Siena
Perugia
Grosseto
Terni
The international network
ROMA
Latina
Frosinone
Isernia Campobasso
Caserta
Olbia
Tempio
Foggia
Benevento
Napoli
Bari
Avellino
Salerno
Potenza
Russia (Moscow)
Lecce
Switzerland
Italy
China (Shanghai)
India (Mumbai)
China (Hong Kong)
Messina
Number of Banco Popolare group branches
excluding 43 treasury branches
Subsidiaries
Representative offices
International desk
Banco Popolare 1.778
Banca Aletti
34
Total1.812
Trapani
Palermo
Reggio
Calabria
Enna
Caltanisetta
Catania
Agrigento
Siracusa
Ragusa