2015
PROFILE
PROFILE
Cassa di Risparmio di Volterra S.p.A. was founded in 1494 A.D.,
and since then has always distinguished itself for its relationship with the local territory.
It represents the most typical and essential support for medium and small sized industrial companies,
agriculture, commerce and handicraft activities as well as families. It has always shown particular attention to its
own territory of business, with a continuous support to local economy.
Composed by high standing members and chaired by Prof. Giovanni Manghetti (for over eight years Director
and President of ISVAP Italian High Authority for Insurance Services), Cassa di Risparmio di Volterra S.p.A.
has started a large number of initiatives which could prepare its own future, while it has continued to deeply
root in the local territory of business.
Also for these reasons, Cassa di Risparmio di Volterra S.p.A. has been granted “Special Mention for Bank
Technological Infrastructures” by the Italian Bank Industry Association during “ABI Award for Innovation in Bank
Services” in 2013, thanks to the project of desktop virtualization which avoids large use of paper documentation
for the safeguard of the environment. For the same project Cassa di Risparmio di Volterra S.p.A. was also
granted a special statement by Green Global Banking Awards in 2013.
NON CHIAMARLA BANCA
TARGET MARKET
LUCCA
VIAREGGIO
LUNATA
PONTASSERCHIO
STABBIA
All savings collected are invested in 6 different provinces
of Tuscany, where the bank operates with 75 branches,
in support to families, small and medium enterprises.
Cassa di Risparmio di Volterra S.p.A. is in conclusion a traditional bank,
mindful of the market and capable to offer to its customers the answers
to their financial and savings requests.
BASSA
CALCI
PISA
BIENTINA
AGENZIA DI CITTÀ N°1
NAVACCHIO
PONSACCO
CAPANNOLI
PERIGNANO
FORCOLI
CENAIA
CRESPINA
AGENZIA DI CITTÀ N°2
AGENZIA DI CITTÀ N°1
FAUGLIA
LIVORNO
S. CROCE
SULL’ARNO S. MINIATO
BASSO
PONTEDERA
LARI
CEVOLI
SELVATELLE
CASCIANA TERME
ORCIANO PISANO
CASTELFIORENTINO
S. PIETRO BELVEDERE
CERTALDO
PECCIOLI
FABBRICA
DI PECCIOLI
TERRICCIOLA
SANTA LUCE
VILLAMAGNA
CHIANNI
POGGIBONSI
ROSIGNANO M.MO
CASTELLINA M.MA
LE BADIE
ROSIGNANO SOLVAY
AGENZIA DI CITTÀ N°1
VOLTERRA
AGENZIA DI CITTÀ N°1
MONTECATINI V.C.
RIPARBELLA
S. PIETRO IN PALAZZI
SALINE DI VOLTERRA
MONTESCUDAIO
VADA
GUARDISTALLO
PONTEGINORI
CECINA
AGENZIA DI CITTÀ N°1
POMARANCE
CASALE M.MO
LUCCA PROV.
PISA PROV.
LIVORNO PROV.
LA CALIFORNIA
LARDERELLO
BIBBONA
SERRAZZANO
FLORENCE PROV.
SIENA PROV.
CASTELNUOVO V.C.
GROSSETO PROV.
MONTEVERDI M.MO
S. VINCENZO
VENTURINA
MASSA MARITTIMA
PIOMBINO
FOLLONICA
SCARLINO
PORTOFERRAIO
MARINA DI CAMPO
NON CHIAMARLA BANCA
CAPOLIVERI
GROSSETO
COLLE VAL D’ELSA
SHAREHOLDERS
FONDAZIONE CASSA DI RISPARMIO DI VOLTERRA
VOLTERRA - ITALY
CASSA DI RISPARMIO DI SAN MINIATO
SAN MINIATO - ITALY
FONDAZIONE CASSA DI RISPARMIO
DI SAN MINIATO
SAN MINIATO - ITALY
NON CHIAMARLA BANCA
5%
20%
75%
AFFILIATED COMPANIES
UNDER 20%
CEDACRI SPA / Collecchio
7,963%
CONSORZIO FORMAZIONE VOLTERRA SOC CONSORTILE
19,637%
PROMOZIONE E SVILUPPO VAL DI CECINA SRL / Cecina
5,720%
PB SRL / Milan
2,890%
TERRE DELL’ETRURIA SOC.COOP.A.R.L. / Italy
0,949%
AUDITORS:
PricewaterhouseCoopers S.p.A.
NON CHIAMARLA BANCA
HEAD OFFICE DETAILS
PO Box 65, Piazza Dei Priori 16, 56048 Volterra (PI)
Italy Tel: +39 0588 91111
Fax: +39 0588 86940
Email: [email protected]
SWIFT/BIC: CRVO IT 3V
ABI/CAB: 06370/71221
CHIPS UID: 064508
Website: www.crvolterra.it
Ownership type: Joint Stock Bank
Regulator: Banca d’Italia
Member of: Associazione per la Tutela degli Investitori in Titoli Argentini, Banca d’Italia Regolamento Lordo,
Corporate Banking Interbancario, Trans-European Automated Real-Time Gross Settlement Express Transfer
System, Fondo Interbancario di Tutela dei Depositi e Fondo Nazionale di Garanzia
Office Summary: 75 branches
Average number of employees divided by category:
Managers 8
Total officers 133
Total remaining employees 373
Other employees 3
TOTAL 517
NON CHIAMARLA BANCA
FINANCIALS
UNCONSOLIDATED BALANCE SHEET DECEMBER 31 IN EUR
LIABILITIES
2014
Capital Subordinated Loan
Reserves
Deposits &c
Borrowings &c
Other Liabilities
Profits/(Loss)
TOTAL 2013
72,304,400
20,000,000
108,253,289
1,462,902,419
586,407,914
69,804,778
2,064,175
72,304,400
20,000,000
104,336,442
1,730,299,106
549,947,812
65,796,924
2,068,064
2,321,736,975 2,544,752,748 For further financial information, please refer to our homepage on the website: www.crvolterra.it
For official documents: www.crvolterra.it/bilanci-annuali/
NON CHIAMARLA BANCA
FINANCIALS
UNCONSOLIDATED BALANCE SHEET DECEMBER 31 IN EUR
ASSETS
2014
Cash & Banks Investments
Loans &c
Mortgages
Fixed Assets
Other Assets
TOTAL 2013
74,738,366
542,102,176
508,262,851
1,087,244,000
39,147,723
70,241,859
96,072,745
728,465,445
538,325,017
1,088,969,000
38,523,454
54,397,087
2,321,736,975 2,544,752,748 For further financial information, please refer to our homepage on the website: www.crvolterra.it
For official documents: www.crvolterra.it/bilanci-annuali/
NON CHIAMARLA BANCA
FINANCIALS
UNCONSOLIDATED BALANCE SHEET DECEMBER 31 IN EUR
PROFIT & LOSS STATEMENT
2014
Net Interest Income 43,380,052
Other Income
77,922,143
Other Expense
-119,238,020
Net Profit/(Loss)
2,064,175
2013
46,931,667
62,656,457
-107,520,060
2,068,064
For further financial information, please refer to our homepage on the website: www.crvolterra.it
For official documents: www.crvolterra.it/bilanci-annuali/
NON CHIAMARLA BANCA
FINANCIALS
UNCONSOLIDATED BALANCE SHEET DECEMBER 31 IN EUR
PERFORMANCE RATIOS
Net Profity/Equity Capital Net Profity/Total Assets
Equity Capital/Total Assets
2014
2013
1.13%
0.09%
7.87%
1.16%
0.08%
7.02%
1,16%
0,08%
7,02%
For further financial information, please refer to our homepage on the website: www.crvolterra.it
For official documents: www.crvolterra.it/bilanci-annuali/
NON CHIAMARLA BANCA
PERSONNEL
BOARD OF DIRECTORS
STATUTORY AUDITORS
MANAGEMENT
PRESIDENT
Giovanni Manghetti
PRESIDENT
Carlo Rossi
GENERAL MANAGER
Roberto Pepi
VICE PRESIDENT
Giorgio Ghionzoli
AUDITORS
Sergio Volterrani
Andrea Fidanzi
VICE GENERAL MANAGER
Stefano Picciolini
BOARD MEMBERS
Sergio Ninci
Antonio Cioppa
Alfredo Cariello
Francesco Della Santina
Antonio Tamalio
ALTERNATE AUDITORS
Ciro Gennaro Corvese
Pasquale Giovinazzo
FOR FURTHER INFORMATION
Nicola Parenti
Area Manager +39 0588 91370 [email protected]
Stefano Pitti
Head of Finance Products Dept. +39 0588 91379 [email protected]
Leonardo Rossi
Head of M.O. Finance & Intl Div.
+39 0588 91492
[email protected]
NON CHIAMARLA BANCA