dicembre 2010
Aiutiamoci a crescere
A pag 6
Accordo Confcooperative
A pag 12
Basilea 3 non fa paura
A pag 20
Bilanci e desideri di ripresa
Editoriale
DI ROBERTO SCAZZOSI
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HANNO DETTO
Roberto Scazzosi, presidente
della Bcc di Busto Garolfo e Buguggiate
«Crediamo fortemente alla forza del modello
cooperativo. Pianiﬁcare l’erogazione di prestiti
alle cooperative, che hanno oggettive difﬁcoltà ad accedervi, signiﬁca sostenere e sviluppare progetti di auto-impiego e determinare un
signiﬁcativo impatto positivo sul territorio».
Luca Barni, direttore generale
della Bcc di Busto Garolfo e Buguggiate
«Il Mutuo Cooperazione ha in sé gli elementi
per educare le società cooperative all’importanza della patrimonializzazione. Il ﬁnanziamento
erogato, infatti, è una sorta di premio per chi
mette in atto attività di rafforzamento aziendale
con conferimento di capitale da parte dei soci».
Claudio Marelli,
presidente di Confcooperative Varese
«La Bcc di Busto Garolfo e Buguggiate
diventa la nostra prima banca associata,
permettendo un accesso al credito che per
nostri soci è vitale. Confcooperative Varese
vuole impegnarsi per rappresentare un ponte
di collegamento, il quale possa facilitare la
coniugazione delle reciproche esigenze».
Nicola Abalsamo,
direttore di Confcooperative Varese
«Un’intensa attività e una presenza costante
sul territorio a ﬁanco delle cooperative hanno
favorito lo sviluppo e la diffusione nel segno
degli ideali che da decenni accompagnano il
sistema cooperativo. Questo accordo favorirà
ulteriormente lo sviluppo di tutto il sistema
cooperativo varesino».
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ECONOMIA
Il piccolo credito si fa grande
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Nella foto in alto il brindisi che suggella l’accordo fra Bcc e Confcooperative: da sinistra Claudio
Marelli, Nicola Abalsamo, Roberto Scazzosi e Luca Barni. Al centro il consigliere del Cda Bcc Mario
Pozzi. Nella foto sopra il tavolo dei relatori alla conferenza stampa.
La Bcc in Confcooperative
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Mutuo Cooperazione - dati tecnici
Importo ﬁnanziabile: minimo 2mila euro, massimo 50mila euro. Nei limiti
del 50% dell’aumento di capitale sottoscritto nell’ultimo esercizio (100% in
presenza di garanzia Cooperﬁdi Italia);
Beneﬁciari: società cooperative operanti nella zona di competenza della
Bcc. Possono presentare domanda le cooperative iscritte a Confcooperative
Varese costituite al di fuori del territorio di competenza della Bcc;
Forma tecnica: mutuo chirografario;
Durata: massimo 60 mesi (inclusa possibilità di preammortamento per non
più di 6 mesi);
Periodicità rate: mensile;
Tasso: Euribor 3 mesi mmp/365gg + 2,50 p.p. (garanzia Cooperﬁdi Italia:
minus 0,25%). Il tasso nominale annuo viene rideterminato trimestralmente, con decorrenza dal primo giorno dei mesi di gennaio, aprile, luglio e
ottobre, calcolato sul valore medio mensile, pubblicato da “Il Sole 24 Ore”,
riferito al mese solare precedente il trimestre di applicazione;
Spese di istruttoria: 70 euro;
Spese di incasso: 3 euro.
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ECONOMIA
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Confesercenti: l’eccellenza
dei solisti per il bene di tutti
L’assemblea degli esercenti
di Varese: un’attenta analisi
della situazione economica
del paese, tra singoli ruoli
e organizzazione comune
Barni: «Siamo in una terra
di mezzo, dobbiamo tornare
a esibirci su palchi prestigiosi
per riaffermare l’importanza
del territorio e dell’impresa»
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Tipologia libretto di risparmio
Tasso di interesse 0,75%
Costi di gestione zero
Spese di bollo zero
Costo operazioni zero
da 0 a 14 anni
1%
0,75%
0%
Tasso di interesse 1% con adesione ad un Pac
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LA NOSTRA BANCA
LA NOSTRA BANCA
Il movimento delle Bcc
pronto alla discussione
Alessandro Azzi
IL SISTEMA DELLE BCC
Lombardia
giugno 2010
giugno 2009
variazione
BANCHE*
SPORTELLI
SOCI
DIPENDENTI
RACCOLTA
IMPEGNI
PATRIMONIO
46
784
157.647
5.884
29.395.897.000
25.934.995.000
4.078.626.000
45
751
150.012
5.804
28.256.841.000
24.423.028.000
3.940.348.000
+4,4%
+5,1%
+1,4%
+4,0%
+6,2%
+3,5%
*il primo luglio 2010 sono scese a 45 per la fusione di Bcc Camuna in Cassa Padana
Bcc Lab, la convention della Federazione Lombarda, ha dato spunti e suggerimenti
che porteranno il movimento agli Stati Generali del prossimo anno, consapevole
delle necessità riorganizzative dell’intero sistema. Azzi: «Non temiamo il futuro»
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ALLA NOSTRA BCC
Il reparto di pediatria dell’ospedale di Mutoyi è a pieno regime.
L’equipe medica sul posto ha inviato alla nostra Bcc i ringraziamenti
per quanto fatto. Noi li giriamo ai
nostri Soci che hanno sostenuto il
progetto e ai lettori della Voce.
33
TERRITORIO
Associazione Ccr
Gastronomia, cultura e compagnia
per l’autunno del Circolo culturale
BUSTO GAROLFO SCOPRE
LE SUE ANTICHE CARTOLINE
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34
APPUNTAMENTI DEL CCR
12 dicembre
torna a Buguggiate il tradizionale
concerto di Natale, un momento
dedicato allo scambio di auguri in
musica durante il quale saranno
consegnate le beneficenze della
Bcc. L’appuntamento è alle 21,
all’oratorio San Giovanni Bosco.
Si esibirà la banda di Capolago.
L’ingresso è libero.
Sport & Sports si è chiusa la rassegna
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Nelle foto due momenti della premiazione della
decima edizione del Master Sport & Sports del trofeo Bcc tenutasi il 9 ottobre nel cineteatro di Orago.
Busti è il primo da sinistra nella foto in alto e il
secondo da destra in piedi nella foto sopra.
L’
autunno del Circolo Culturale
e Ricreativo della nostra Bcc
si è svolto all’insegna della
musica e della tradizione. Due gli
appuntamenti che il Ccr ha proposto.
Sabato 30 ottobre, un gruppo di soci
è andato alla scoperta di scorci suggestivi e prelibatezze enogastronomiche.
Destinazione: Castell’Arquato e la Val
D’Arda, nel Piacentino. Come prima
tappa, i partecipanti alla gita hanno visitato Castell’Arquato, città d’arte caratterizzata da un borgo medioevale bello
e ben conservato. Qui cultura, storia,
ricchezze naturalistiche e gastronomia
si fondono insieme. Ed è stata infatti l’enogastronomia la seconda tappa
dell’uscita. Seguendo quella che è una
delle valli più suggestive del piacentino,
i soci del Ccr hanno fatto la sosta pranzo
in un’azienda agrituristica della zona e
hanno visitato le cantine della Val d’Arda dove vengono prodotti e conservati i
vini tipici.
La musica è stata invece la grande protagonista del secondo appuntamento.
Sabato 13 novembre, la sala Don Besana
della Bcc a Busto Garolfo ha ospitato il
concerto rock degli Stato 3. Il Gruppo,
nato nell’estate del 2006 e composto
da Mattia Zanzottera alla voce e alla
chitarra, Gabriele Caforio al basso e
Roberto Boaro alla batteria, ha proposto
un repertorio che spaziava dai classici
italiani a pezzi rock e dance appartenenti
alla scena internazionale. E gli applausi
non sono mancati.
23 dicembre
Sarà la sala don Besana della Bcc,
in via Manzoni a Busto Garolfo,
ad ospitare l’immancabile concerto di Natale. Sul palco ci sarà
il corpo musicale Santa Cecilia
di Busto Garolfo; durante il concerto saranno consegnate le tradizionali beneficenze della Bcc.
Inizio alle 21, l’ingresso è libero.
Dal 4 al 7 dicembre
Per la notte di San Silvestro il
Ccr proporrà la partecipazione
ad uno spettacolo; l’occasione
per festeggiare tutti assieme la
fine del 2010 e l’inizio del nuovo
anno. Maggiori informazioni
saranno comunicate appena
definiti i dettagli.
A nome del consiglio direttivo
del Circolo Culturale Ricreativo
della Bcc, il presidente Maria
Carla Ceriotti porge a tutti i
soci del Ccr e della Bcc i migliori auguri di buon Natale e di
un felice nuovo anno dando
appuntamento alle iniziative
che saranno proposte nel corso
del 2011.
L’associazione Cc r è aperta tutti
i giovedì dalle 21 alle 22 nella
sede di via Busto Arsizio, 23 a
Busto Garolfo.
Info: 333.3402169
Mail: [email protected].
35