Strengths

Rock solid balance sheet
A proven delivery machine
A fee-driven, efficient and low-risk Wealth Management & Protection Company
Fully-owned product factories
Top-notch digital tools
Massive de-risking
Strong capital base and asset quality
One of the best Cost/Income ratios in Europe
Leader in risk management
Capital exceeding regulatory requirements
Excess liquidity reserves
Low leverage
Leader in Italy in all segments, with a market share of 22% in customer deposits and 18% in customer loans
Large number of customers with unique customer reach
Leadership in most attractive products
Strong digital proposition
World-class position in Social Impact and strong focus on climate
Leader in ESG, with a best-in-class position in the main indexes and rankings