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Our Business Model

Our formula for success

In the new Business Plan, the Group has set itself the ambitious goal of becoming a Wealth Management, Protection & Advisory leader - Zero-NPL, Digital & Fee-Driven - and will do so through four key pillars:

1. massive upfront de-risking, slashing Cost of risk

2. structural Cost reduction, enabled by technology

3. growth in Commissions, driven by Wealth Management, Protection & Advisory

4. significant ESG commitment, with a world-class position in Social Impact and strong focus on climate

Strategic priorities

Our value creation

Strong and sustainable value creation and distribution while maintaining a solid capital position and a strong focus on ESG

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