Laura Strappini
a.a 2005/2006
• Introduction
• History
• Organisation/Leadership
• Mission
• Services
• Conclusion
We try to analyse two of the bigger and most
important banks of Italy:Banca delle Marche and
Unicredit Banca.
•
How were they born?
•
How and where did they develop?
•
How do they try to increase the number of
customers and so their turnover?
We try to answer analysing the information that
they give us from the birth till today.
Banca delle Marche was set up in 1994 and resulted from the
merger of Cassa di Risparmio di Pesaro, di Macerata and di Jesi,
three savings bank counting each on more than 150 years of
activity in their respective areas.
Ever since its foundation, the Bank has aimed at being the main
bank for the Region and to expand beyond its boundaries.
In a period of dramatic changes in society, Banca delle Marche
grew, consolidated its role, took up new challenges and
supported not only economic initiatives but also cultural and
social events in the Marche region.
UniCredit was born out of the union of seven great Italian
banks, each with deep roots in its local economy. The Group’s
vitality comes from this amalgamation of different businesses,
while preserving the distinctive local character of each, and
from its further expansion outside Italy.
In 1998 Credito Italiano, based in Milan, and Rolo Banca 1473
of Bologna (which together formed the Credito Italiano Group)
joined up with a group of regional savings banks, viz.
Cariverona (Verona, Vicenza, Belluno and Ancona), CRT (Turin)
and Cassamarca (Treviso), to form the UniCredito Italiano
Group.
In 1999 Cassa di Risparmio di Trento e Rovereto and
Cassa di Risparmio di Trieste joined the Group. In the
same year UniCredit began building a network of
subsidiaries in the countries of central and eastern
Europe now known as New Europe.
In 2000, the US fund manager Pioneer of Boston was
acquired and Pioneer Global Asset Management was
created to include the Group’s existing asset
management arm. Afterwards, the largest Croatian
bank, Zagrebacka Banka, and Demirbank in Romania
joined the UniCredit Group.
In 2001 it launched the S3 (“3 Segments”) Project,
under which the Group was reorganized with the
formation of four Divisions, viz.: Retail, Corporate,
Private Banking and Asset Management, and New
Europe.
In 2004 a fifth Division was formed, known as Global
Banking Services, which is responsible for the
optimization of cost structures and the Group’s
internal processes by bringing about further synergy
and cost savings.
Banca delle Marche currently has 240 branches and a web of
Financial Promoters and Private Bankers in Marche, Umbria,
Emilia, Romagna, Lazio, Abruzzo, and over 2.400 employees,
serving 200.000 customers.
In spite of its present dimension, the Bank has always maintained
a close relationship with its territory: branches are governed by
four Regional Headquarters located in Jesi, Macerata, Pesaro and
Roma: this enables the branches to understand and promptly
meet the customers‘ requirements.
The Head Office of Banca delle Marche defines strategic lines only
and therefore has a limited number of staff.
Branches
It is developed in 19 countries through over 7000
branches with around 140000 employees and
serving 28 million customers.
It has a very articulate structure, compared to
Banca delle Marche.
Here we have an organ gram that shows us how it
is organized:from the Board of Director to the
each division.
Banca delle Marche's objectives are:
• Confirm its position as promoter of the region's
economy and acquire a leading role in Central
Italy;
• Focus on the relationship with its clientele,
through multichannels and quality care;
• Create value for the Marche region, by
supporting local initiatives;
• Be the reference Bank for SMEs, which are the
backbone of the Region's economy.
It is one of Europe’s leading financial groups, it is
proud of its geographical root heritages which is the
foundation of common identity.
It commits itself passionately to create a new way of
banking by constantly thriving to serve the clients
with innovative solutions. Its reputation is built on
trust, accountability for results and quality in its
businesses. Its set of values is based on integrity as
sustainability condition, which makes it possible to
transform profit into value for its stakeholders
The Banca delle Marche responds to its clientele's needs by
offering innovative products and services designed for busy
people, whether at home or in the workplace.
• Companies
• Families
It is divided in many sections to provide a different range of
services:
• Retail division provides services for households, professional
people and small businesses
• Private Banking & AM Division deals with the Italian and
foreign structures devoted to the Private Banking and the
development of services of management of the investments, both
to benefit of the networks of distribution of the GROUP and in by
autonomous toward third parts
• Corporate/SME's Division deals with companies, credit
institutions and foreign branches supplying financial services and
instruments to medium and large sized companies and to
government agencies.
Basic products
payments, collection, cash management, credit and charge cards
High value added products
e-commerce, proprietary integrated circuit (smart) cards,
structured deposits, reconciliation services (invoices/payments),
domestic and international cash pooling.
 Internet Banking (inBank)
 eCommerce
 Service abroad
 Industrial survey
is the Banca delle
Marche's remote bank for
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companies.You can always
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Marche constantly
• The
TRADITIONAL
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practically,
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hours
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economic
trend
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day,
365
days
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shop
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AND PROMOTION
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industrial
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result
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• SUPPORT
SERVICES
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situation, both at a
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CREDIT INSURANCE
and regional
level,
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OPERATIONS
IN GOLD
AND
highlighting the economic trend.
SILVER
 Internet Banking (inBank)
 Bancoticket
 New Home Loans
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 Financial Products
is the Banca delle
Marche's remote bank for
families, for small
businessmen,
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the most
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day, LOAN.
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days
year in
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Just the Best.
These important banks are continually in competition to obtain the
leadership in the world (providing quality,safetly services and
products for companies and people):
• Banca delle Marche wants to reach this encouraging the
development of the Marche Region;
• Unicredit Banca instead is addressed out of the national
boundaries, look to the New Europe (the Eastern Europe)