Founded in 1910

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Credem Group
Updated at 09/30/2014
636
5,729
795
271
Founded in 1910
116
€ 20.3 billion
€ 18.5 billion
TOP MANAGEMENT
€ 4.2 billion
Chairman
Giorgio Ferrari
General Manager
Adolfo Bizzocchi
Deputy general manager
Angelo Campani
Deputy general manager
Nazzareno Gregori
€ 20.1 billion
€ 2 billion
Branches, corporate centres and
financial stores
Employees
Financial advisors with mandate
Creacasa financial subagents
Financial agents specialiazed in loans
based on the ‘‘cessione del quinto’’*
Assets under management
Direct customers deposits
Insurance reserves
Loans to customers
Capitalization
(at 11/04/2014)
*Loans repaid monthly by the employer of the borrower withinstalments equal to one fifth of borrower’s salary
1
Credem group – historical milestones
May, 5,
1910
The constitution of the new bank takes place. The company name is Banca Agricola Commerciale
1982
Acquiring of the Belinzaghi bank in Milano
1983
Company name changes from Banca Agricola Commerciale to Credito Emiliano (Credem)
1986
The board of directors nominates Giorgio Ferrari chairman of the bank
1991 - 2003
Credem acquires several banks (like Istituto bancario siciliano and Girgenti bank in 1991, Creditwest bank and
Comuni vesuviani bank in 1995 and Banca della provincia di Napoli in 1998)
1993
The Credem Group is established, led by Credito Emiliano Holding company
1994
Credem acquires Euromobiliare group
1997
Credem is listed on the italian stock exchange
2001
Adolfo Bizzocchi is the new general manager
2003
The project of internal development of Credem goes on, especially in Nord-west and through the adriatic ridge
2007
Creacasa, a loan and insurance products company, is launched
2008
The bank concludes the purchase of some branches from Citibank, Unicredit and Banco Popolare
Today
The Group is made up of 17 companies and capitalises €2 billions*
*Source: Borsa italiana (at 11/04/2014)
2
Credem group structure
COMMERCIAL BANKING
Updated at 09/30/2014
BANCASSURANCE
ASSET MANAGEMENT
CREDEMVITA
Commercial Banking
CREDEMLEASING
Life Insurance and Pension Fund
CREDEMHOLDING
Asset Management
CREDEMASSICURAZIONI
Insurance against Damages
Leasing
Financial Advisor
Holding Company
CREDEMTEL
Private banking
CREDEM
INTERNATIONAL LUX
CREDEMFACTOR
Factoring
OTHER BUSINESS
Remote banking and Document
Management
MAGAZZINI GENERALI
DELLE TAGLIATE
International Private and Corporate Banking
Parmesan Cheese Warehousing and
Seasoning
Sicav
Fiduciary Company
CREDEM
PRIVATE EQUITY SGR
Asset Management
CREDEM CB
Special Purpose Vehicle to be used for the Covered
Bond issuing programme as per ex. L. 130/99
CANOSSA CB
Special Purpose Vehicle to be used for the Covered
Bond issuing programme as per ex. L. 130/99
3
Credem group – local distribution and key data
CREDEM Group
Number of branches and market share
4
0,4%
72
1,1%
19
0,8%
7
1%
28
0,8%
127
3,8%
8
0,8%
39
1,7%
8
5 0,7%
0,9%
27
1,1%
5
0,6%
3
0,6%
1
0,7%
45
2,7%
50
3,6%
2
0,8%
31
6,1%
09/30/2014
09/30/2013
%
Operating income
807.2
737.2
+9.5%
Net operating
profit
291.7
252
+15.4%
Direct deposits
18,484
18,112
+2.1%
Assets under
management
20,311
16,953
+19.8%
Loans to
customers
20,107
19,269
+4.3%
Net NPLs ratio
1.68%
1.63%
-
Common Equity
Tier 1 ratio *
11.29%
10%**
-
128.5
100.3
+28.1%
Net profit
62
3,7%
Euro million
* Basel 3 phased in
Updated at 09/30/2014
** Basel 2
4
Credem group – shareholders’ base
Updated at 09/30/2014
Pact among
213
shareholders
2,997 other
shareholders
75,24%
Credemholding
24,76%
Free float
Main Credemholding shareholders*
%
Cofimar S.r.l.
19,97**
Max Mara Fashion Group S.r.l.
8,10**
Max Mara Finance S.r.l.
8,30
Pictet & Cie S.A.
4,99
Fincorrad S.R.l.
3,35
Eredi Savioli S.r.l.
3,15
Padana Tubi e Profilati Acciaio S.p.a.
2,14
* With individual share ownership more than 2%
** Value for share with voting rights
76,87%
Credem SpA
23,13%
5
National ranking
Updated at 09/30/2014
NATIONAL CAPITALIZATION RANKING* (EURO BILLION)
Banca Intesa
39,1
Unicredit
33,7
UBI Banca
5,6
Banco Popolare
Mps
4,1
3,2
Bper
2,8
Bpm
2,6
Banca Generali
2,4
Credem
2
Pop. Sondrio
1,4
Creval
Carige
0,9
0,7
Ifis
0,7
Intermobiliare
0,5
*Source: Borsa italiana. Banks with over 0,5 euro billions capitalization at 11/04/2014
6
Top management
GIORGIO FERRARI
Chairman of Credem since 1992, chairman of Credito Emiliano
Holding since 1986
Other current positions:
¾
chairman of Credemvita;
¾
deputy-chairman of Credemassicurazioni;
¾
member of Euromobiliare asset management Sgr and Banca
Euromobiliare Board of Directors.
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ADOLFO BIZZOCCHI
Credem general manager since 2001.
Other current positions:
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¾
chairman of Credemtel;
¾
deputy-chairman of Credemvita;
¾
member
of
Credemfactor,
Credemleasing,
Banca
Euromobiliare, Credemassicurazioni and Creacasa Board of
Directors
7
Board
Board of directors
(appointed on 2012 - 2013 – 2014)
chairman
deputy chairman
members
Giorgio Ferrari
Ignazio Maramotti *
Lucio Zanon di Valgiurata *
Romano Alfieri
Enrico Corradi *
Giorgia Fontanesi
Ugo Medici *
Ernestina Morstofolini **
Benedetto Renda
Paola Schwizer **
Corrado Spaggiari **
Giovanni Viani
Board of statutory auditors
(on 2013 - 2014 – 2015)
chairman
Giulio Morandi
statutory
auditors
Maurizio Bergomi
Maria Paglia
alternate
auditors
Gianni Tanturli
Tiziano Scalabrini
* Members of the executive committee
** Indipendent directors ex art. 148, comma 3, D.Lgs. nr. 58/1998 (TUF))
8
Credem group – photos
Spalletti Trivelli palace – Credem headquarters
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9
Contacts:
Media Relations Credem
0522 582075 – 02 77426202
[email protected]
www.credem.it
For further informations please click here
The manager responsible for preparing the company’s financial reports of Credito Emiliano S.p.A.
Paolo Tommasini, declares, pursuant to paragraph 2 of Article 154 bis of the Consolidated Law on
Finance, that the accounting information contained in this presentation corresponds to the document
results, books and accounting records.
10
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