The local independent Bank - Banca Popolare di Spoleto

Transcription

The Bank that listens to you
a
An ambitious business plan, based on process optimisation and innovation
The local independent Bank
Updated 4 July 2008
An ambitious business plan based on
Document updated as at 31 December 2008
process optimisatoin and innovation
Banca Popolare di Spoleto S.p.A.
Banca Popolare di Spoleto S.p.A.
Registered office and Headquarters - Piazza Luigi Pianciani 5 - 06049 Spoleto (PG) - Italy 1
Registered office and Headquarters - Piazza Luigi Pianciani 5 - 06049 Spoleto (PG) - Italy
www.bpspoleto.it
Forthe
theArea
Area
For
Over100 Branches
Branches
Over100
LocalBank
Bank
Local
The distinctive BPS model

Banca
Banca Popolare
Popolare di
di Spoleto
Spoleto (BPS)
(BPS) isis an
an independent
independent local
local bank,
bank, aa leading
leading player
player inin local
local economic
economic and
and social
social
development
developmentand
andaacreator
creatorof
ofvalue
valuefor
forits
itsshareholders,
shareholders,customers
customersand
andemployees.
employees.
BPS
BPSpursues
pursuesits
itsmission
missionthrough
throughaamulti-channel
multi-channelstrategy
strategyand
andproduct
productand
andservice
serviceinnovation
innovation
BPS
BPSoperates
operatesvia
viaone
oneof
ofthe
thelargest
largestnetworks
networksininCentral
CentralItaly,
Italy,comprising
comprising100
100branches,
branches,22treasury
treasuryoffices,
offices,an
anadvisory
advisory
centre
centreand
andaafinance
financeoutlet.
outlet.Specifically,
Specifically,the
theBank
Bankhas:
has:
9
9 7575branches
branchesininUmbria,
Umbria,with
withaamarket
marketshare
shareof
of15%
15%
9
9 2929branches
branchesininLazio,
Lazio,Marche,
Marche,Tuscany,
Tuscany,Abruzzo
Abruzzoand
andMilan
Milan
9
9 2828Financial
Advisors
(60
planned
by
2010)
Financial Advisors (60 planned by 2010)
The
TheITITplatform
platformand
andtotal
totalapproachability
approachabilityof
ofthe
thestaff
staffcomplete
completethe
theBPS
BPScustomer
customerrelation
relationmodel
model
The
TheBank
Bankisismodern
modernand
anddynamic,
dynamic,investing
investingboth
bothininand
andfor
forthe
thearea
areaininwhich
whichititoperates:
operates:
9
9 creating
wealth
and
employment
opportunities
creating wealth and employment opportunities
9
9 producing
producinginnovative
innovativeproducts
productsand
andservices
servicesto
tomeet
meetand
andanticipate
anticipatethe
the needs
needs of
of families,
families, enterprise
enterprise and
and
organisations
organisations
9
9 supporting
supportingculture,
culture,health
healthand
andthe
theenvironment
environment
BPS
BPSacts
actsas
asaacapstan
capstanfor
forthe
thelocal
localeconomy
economy
2
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Employees
Employees
Shareholders
Shareholders
Customers
Customers
The distinctive BPS model

BPS
BPSisisthe
theideal
idealpartner
partnerfor
forfamilies
familiesand
andSMEs
SMEs
Each
Customer
expresses
specific
needs,
Each Customer expresses specific needs, which
which BPS
BPS seeks
seeks to
to satisfy
satisfy through
through high
high quality
quality service,
service, rapid
rapid response
response
times,
times,product
productcompetitiveness
competitivenessand
andcustomisation,
customisation,also
alsoininsynergy
synergywith
withMonte
Montedei
deiPaschi
Paschidi
diSiena
Siena
For
For enterprise,
enterprise, jointly
jointly with
with the
the Spoleto
Spoleto Credito
Credito ee Servizi
Servizi Group,
Group, BPS
BPS offers
offers innovative
innovative services
services such
such as:
as: business
business
finance,
finance,managerial
managerialconsulting,
consulting,public
publicworks
workstender
tendersupport,
support,support
supportfor
forrenewable
renewableenergy
energyand
andyouth
youthenterprise
enterprise
Our
OurGovernance
Governanceguarantees
guaranteesstability,
stability,transparency,
transparency,consistency
consistencywith
withthe
themission
missionand
andefficient
efficientmanagement,
management,which
which
ensure
ensureadequate
adequatepay-out
pay-outlevels
levelsand
andcapitalisation
capitalisationininline
linewith
withthe
thesize
sizeof
ofthe
theBank
Bank
By
Bypursuing
pursuingconstant
constantgrowth
growthobjectives
objectivesfor
forthe
thevalue
valueand
androle
roleof
ofBPS,
BPS,the
thestrategy
strategyadopted
adoptedhas
hasininrecent
recentyears
yearshas
has
allowed
the
Bank
to
double
its
geographic
penetration
and
traded
volumes
allowed the Bank to double its geographic penetration and traded volumes
BPS
BPShas
has692
692Employees,
Employees,of
ofwhich
whicharound
around400
400were
wererecruited
recruitedfrom
from2000
2000onwards.
onwards.The
TheStaff,
Staff,its
itskey
keyroles
rolesalso
alsorenewed,
renewed,
has
hasan
anaverage
averageage
ageof
of40
40
BPS
BPS encourages
encourages professional
professional growth
growth and
and corporate
corporate identity,
identity, offering
offering interesting
interesting career
career paths
paths based
based on
on ongoing
ongoing
training
trainingand
andthe
theuse
useof
ofmodern
modernincentive
incentivesystems
systems
Customer
Customersatisfaction
satisfactionisisthe
thekey
keyto
toBPS
BPSprofessional
professionalsuccess
success
3
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BPS: over 100 years of independence
28 April 1895
The Bank is founded
By public deed, Prof. Giulio Cesare founds the Banca
Popolare Società Cooperativa di Spoleto, established
to serve local individuals, families
and busineses
1895
1992
September 1996
The Stock Exchange listing
2007 - 2008
Growth continues
BPS is admitted to trading on Borsa Italiana's
screen-based MTA market
104 branches in Umbria, Marche, Lazio,
Tuscany, Abruzzo and Milan. Shareholders'
Agreements with BMPS renewed for 20072010
1996
1998
TODAY
July 1998
BPS-BMPS agreement
30 July 1992
BPS becomes a public limited company
Guido Carli recommends seizing
opportunities offered by the "Amato Law". Banca Popolare Società
Cooperativa di Spoleto
is split into Banca Popolare di Spoleto S.p.A.
and Spoleto Credito e Servizi Scarl, the Bank's major shareholder
4
A highly strategic agreement is signed with Banca Monte
dei Paschi di Siena S.p.A., which acquired 25% of BPS shares
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At the service of local families, enterprise and organisations from the start
MASS EVENTS
The Bank sponsors all events that
represent Umbria at worldwide level,
such as the Spoleto Two Worlds Festival,
Gubbio's Festa dei Ceri, the Giostra della
Quintana jousting tournament, etc.
SUSTAINABLE DEVELOPMENT
The Bank supports local
development also through meetings on
current topics such as enterprise culture,
renewable source energy and promotion of
local excellence
ART AND CULTURE
The Bank provides support in promoting the
historic, artistic and environmental heritage
of the area, encouraging growth in art &
culture tourism in Umbria
RESEARCH AND HEALTH
The Bank is one of the founder members of
the Human Health Foundation Onlus, a
cancer research foundation.
It has donated equipment and surgical and
health centres to various hospital authorities
in the Region
SOCIAL AND EDUCATION
The Bank has set up an Ethical Account for solidarity projects. The Bank is a founder member of
the Giuseppe Romano Banking Studies Centre, promoting accademic merit, top level training
and introduction to employment opportunites for young people
5
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BPS in brief
Total
Total assets
assets
2,742,088,912
2,742,088,912 Euro
Euro
Loans
Loans to
to customers
customers
2,087,171,119
2,087,171,119 Euro
Euro
116,700
116,700
Customers
Customers
Customers
Customers
116,700
116,700
Regulatory
Regulatory Capital
Capital
217,358,000
217,358,000 Euro
Euro
Direct
Direct deposits
deposits
2,425,185,000
2,425,185,000 Euro
Euro
104
104 Branches
Branches
across
across 66 regions
regions
Shareholders'
Shareholders' equity
equity
167,324,131
167,324,131 Euro
Euro
Employees
Employees
692
692
Net
Net profit
profit
10,620,817
10,620,817 Euro
Euro
Financial
Financial advisors
advisors
28
28
Dividend
Dividend Yield
Yield 4.77%
4.77%
Core
Tier
Core Tier 11 7.35%
7.35%
Totale
Totale Capital
Capital Ratio
Ratio 10.00%
10.00%
ROE
ROE 6.70%
6.70%
104
104
Branches
Branches
6
Capitalisation
Capitalisation
111,255,681
111,255,681 Euro
Euro
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Moody’s rating upgraded
Description
2006
2007 and 2008
Long Term Deposits
(medium-long term)
Baa1
A3
Short Term Deposits
P-2
P-1
C-
C-
Stable
Stable
Bank's Financial Strength
Outlook
7
Performance
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Share Capital distribution
Shareholders with a direct or indirect holding of over 2% of ordinary Bank shares. Share capital 62,136,899.60 Euro
No. of shares
% Share capital
Spoleto Credito e Servizi Soc. Coop.
11,173,561
51.07%
Banca Monte dei Paschi di Siena SpA
5,673,251
25.93%
Associated investees Patacconi /
Gemmani / Nicolini *
1,138,053
5.20%
446,231
2.04%
3,448,094
15.76%
21,879,190
100.00%
Shareholder
Coop Centroitalia/Coofin**
Market
TOTAL
* The shareholding of the Patacconi Group is distributed as follows: Nicolini Rosetta 539,727 shares (2.46% of the share capital);
Patacconi Leonardo 538,726 shares (2.46% of the share capital); Gemmani Lucio 43,600 shares (0.20% of the share capital);
Immobiliare Valeria 16,000 shares (0.07% of the share capital)
** The shareholding of the Coop Centroitalia Group is distributed as follows: Coop Centroitalia 183,592 shares (0.84%) and Coofin 262,639 (1.20%)
8
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Corporate Governance
Board of Directors
Chairman
Giovannino Antonini (Executive Committee Member)
Management
General Manager
Chairman
Deputy General Manager
Mauro Conticini
Standing auditors
Roberto Rossi
Michele Fesani
Alfredo Pallini
Senior Deputy Chairman
Marco Bellingacci (Executive Committee Member)
Deputy Chairman
Giorgio Raggi (Executive Committee Member)
Board of Statutory
Auditors
Francesco Bonelli
Substitute auditors
Piergiorgio Castellani
Giovanni Burini
Board members
Claudio Bernardini
Paolo Arcelli
Michele Logi (Executive Committee Member)
Nazzareno D’Atanasio (Executive Committee Member)
Marco Carbonari
Gabriele Chiocci
Valentino Conti
Mario Fagotti
Francesco Di Bello
Aldo Amoni (Executive Committee Member)
Claudio Umbrico
9
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The Organisation
General
GeneralManager
Manager
Alfredo
AlfredoPallini
Pallini
Internal Audit
Internal
Audit
Division
Division
Legal Affairs and Compliance Division
Legal Affairs and Compliance Division
Sandro Ascani
Camillo Latto
Human Resources Management and Development Office
Human Resources Management and Development Office
Human Resources Administration Office
Human Resources Administration Office
Personnel
Personnel
Division
Division
Organisation and S.S.
Organisation
Division and S.S.
Division
Mauro Conticini
General Affairs and Cost Management Office
General Affairs and Cost Management Office
Sandro Ascani
Compliance Department - Anti money-laundering
Compliance Department - Anti money-laundering
Legal Affairs Department
Legal Affairs Department
Organisation and IT Office
Organisation and IT Office
Logistics - Security - Support Office
Logistics - Security - Support Office
General Affairs,
General
Affairs,
Litigation and Cost
Management
Division
Litigation and Cost Management Division
Mauro Riommi
Litigation Office
Litigation Office
Chief Financial Officer
Paola Piermarini
Planning, Control and Risk Management
Planning, Control
and Risk Management
Department
Department
Francesca Palescandolo
Senior Deputy General Manager
Senior Deputy General Manager
Administration Division
Mauro Conticini
Agnese Pula
Finance Division
Finance Division
Valerio Volpi
Loans Division
Loans Division
Marcello Siena
Special
Special
Loans
Loans
Department
Department
Investor Relations, External Relations
Investor
Relations,
ExternalDivision
Relations
and
Special
Assignments
and Special Assignments Division
Marketing Division
Marketing Division
Management Planning and Control Department
Management Planning and Control Department
Risk Management Department
Risk Management Department
Financial Statements and Tax Accounting Office
Financial Statements and Tax Accounting Office
Central Services Office
Central Services Office
Stock Exchange and Markets Office
Stock Exchange and Markets Office
G.P.I. Office
G.P.I. Office
Financial and Foreign Admin. Services Office
Financial and Foreign Admin. Services Office
Roberto Tantillo
Emilio Quartucci
Branch Network
Network Loans
Network
Loans
Centre
Centre
Network Credit Risk
Network
Credit Risk
Management
Management
Centre
Centre
Enterprise Office
Enterprise Office
Public Administration Office
Public Administration Office
Retail Office
Retail Office
Credit Facilities Office
Credit Facilities Office
Enterprise Finance Office
Enterprise Finance Office
Abnormal Risk Management and Control Office
Abnormal Risk Management and Control Office
Credit Procedures Management Office
Credit Procedures Management Office
Online Channels Office
Online Channels Office
Transparency Office
Transparency Office
Financial Advisors Office
Financial Advisors Office
Network Coordination - North
Network Coordination - North
Network Coordination - Centre
Network Coordination - Centre
Network Coordination - South
Network Coordination - South
Network Coordination - Marche
Network Coordination - Marche
Network Coordination - Rome
Network Coordination - Rome
Financial Advisors
Financial
Advisors
Network
Network
Milan Branch
Milan Branch
10
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Our territorial presence
1
Milan
Tuscany
Arezzo
3
10
Ancona
Siena
Macerata
Perugia
Umbria
Spoleto
Marche
Pesaro
75
Ascoli
Piceno
Terni
Viterbo
Rieti
L’Aquila
104 Branches
in 6 Regions
CENTRAL NETWORK
Lazio
Rome (7)
1
Abruzzo
14
NORTHERN NETWORK
SOUTHERN NETWORK
Centre Coord. Manager
Corrado Caterini
North Coord. Manager
Mario Carlettini
South Coord. Manager
Lanfranco Amadio
Spoleto/Valnerina Area
Manager - Franco Pezzi
Alto Tevere Area
Manager - Maurizio Apostolico
Terni/Rieti/Viterbo Area
Manager - Carlo Mancini
Foligno/Bastia Area
Manager - Cesare Galligari
Perugia Area
Manager - Maurizio Faina
ROME NETWORK
Rome Coord. Manager
Cesare Giglio
MARCHE NETWORK
Marche Coord. Manager
Lucio Cavalieri
11
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Market shares
Deposits *
Area
Loans
2006
2007
2008
2006
2007
2008
UMBRIA REGION
14.09%
14.76%
14.69%
9.52%
9.57%
9.92%
Perugia
16.24%
17.13%
17.13%
10.24%
9.91%
10.35%
Terni
6.79%
6.71%
6.87%
6.58%
7.02%
8.09%
LAZIO REGION
0.07%
0.07%
0.10%
0.08%
0.09%
0.12%
Rome
0.05%
0.05%
0.07%
0.05%
0.07%
0.08%
Rieti
3.65%
4.04%
3.94%
3.12%
3.39%
4.14%
Viterbo
0.19%
0.29%
0.34%
0.36%
0.59%
0.71%
MARCHE REGION
0.14%
0.16%
0.15%
0.34%
0.40%
0.47%
Macerata
0.39%
0.38%
0.33%
1.21%
1.29%
1.46%
Ancona
0.02%
0.02%
0.02%
0.08%
0.11%
0.13%
Ascoli Piceno
0.11%
0.24%
0.28%
0.28%
0.47%
0.67%
TUSCANY REGION
0.01%
0.01%
0.01%
0.02%
0.02%
0.02%
Siena
0.01%
0.01%
0.02%
0.07%
0.09%
0.09%
Arezzo
0.04%
0.05%
0.05%
0.12%
0.15%
0.17%
ABRUZZO REGION
0.03%
0.02%
0.02%
0.02%
L'Aquila
0.16%
0.11%
0.23%
0.30%
(*) current account liabilities + savings accounts + certificates of deposit + Bank bonds
12
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Traded volumes continue to increase (in millions of Euro)
Direct deposits
Short term loans
TOTAL DEPOSITS
4.500
Indirect deposits
M/L term loans
TOTAL LOANS
3.884
4.000
3.802
3.667
3.446
3.286
3.500
3.000
2.500
2.000
1.500
1.699
1.565
1.721
1.202
1.714 1.732
1.427
1.891
2.143
1.874 1.793
1.741
1.376
1.000
500
0
2.087
2.426
557
2004
645
661
2005
782
766
2006
13
917
869
2007
1.022
1.241
846
2008
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Our Customers
116,700 Customers
350
2.200
Large Corporate
Turnover > 10 million
Private
Deposits > 500 thousand
SME
Turnover up to 10 million
Affluent - Upper
Deposits from 125 thousand to 500 thousand
Affluent - Lower
Deposits from 25 thousand to 125 thousand
23.100
Small Business
Turnover up to 1 million
Family
Deposits up to 25 thousand
1.000
6.070
17.200
66.780
22%
78%
no. 25,650
Enterprise
Customer type
14
no. 91,050
Private and Families
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Products and services by Customer type
Customers
Customers
Products
Productsand
andservices
services
Private
Privateand
andFamilies
Families
Enterprise
Enterprise
credit/debit cards
revolving credit cards/utility direct debit
corporate credit/debit cards
Loans
Loans
mortgages, personal loans,
consumer credit
financing, leasing, factoring, special credit, agricultural
credit
Bonds
Bonds
bonds, fixed rate, floating rate, index-linked
bonds, fixed rate, floating rate, index-linked
Italian and foreign mutual investment funds, asset
management including multimanager
Italian and foreign mutual investment funds, asset
management including multimanager
life, non-life, unit-linked, index-linked and open-end pension
funds
life policies, non-life policies, open-end pension funds
foreign transactions, guarantee transactions
business finance, foreign and guarantee transactions
home banking, trading online
phone banking, e-commerce, sms account info, ATM
expense info
remote/corporate banking,
phone banking, e-commerce, sms account info, ATM
expense info
bank drafts, safety deposit boxes, etc.
public works tender assistance,
business consulting, renewable energy, marketing
Current
Currentaccounts
accounts
Fund
Fundand
andAsset
AssetManagement
Management
Insurance
Insurancepolicies
policies
Special
Specialtransactions
transactions
Online
OnlineBanking
Banking
Integrated
IntegratedServices
Services
15
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Banca Monte dei Paschi di Siena: the partner for growth
On
On 20
20 April
April 2007,
2007, the
the Shareholders'
Shareholders' Agreement
Agreement was
was renewed
renewed between
between Spoleto
Spoleto Crediti
Crediti ee Servizi
Servizi Soc.
Soc. Coop.,
Coop., the
the major
major
shareholder,
shareholder, and
and BMPS.
BMPS. This
This agreement
agreement establishes
establishes aa practical
practical and
and operational
operational relationship
relationship that
that allows
allows the
the Bank
Bank to
to retain
retain its
its
local
localbank
bankindependence.
independence.
Shareholders'
Shareholders' Agreements
Agreements
2007
2010
2007 - 2010
BPS-BMPS
BPS-BMPS
synergies
synergies
The
Theagreement
agreementaims
aimsto
toconsolidated
consolidatedand
anddevelop
developthe
theBank
Bankininterritorial
territorialterms,
terms,at
atthe
thesame
sametime
timeexploiting
exploitingBMPS
BMPSeconomies,
economies,
technology
technologyandproducts
andproducts. .
AA
Commercial
Commercial
BB
Personnel,
Personnel,Professionalism
Professionalismand
andTraining
Training
CC
Capital
CapitalManagement
Management
DD
Cost
Costeconomies
economies
Synergies already operative
Synergies to be implemented
.........
......... for
for the
the independence,
independence, consolidation
consolidation and
and development
development of
of the
the Bank
Bank
16
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Commercial partners and product companies
MPS Leasing &
Factoring SpA
Leasing and
Factoring (with
and without
recourse)
MPS Capital
Services Banca per
le Imprese SpA
Financing and
enterprise support
Bright Oak Ltd.
AXA MPS Vita SpA
Investment
company
specialised in
quantitative
management
Life policies
(capitalisation,
variable, etc.) and
Open-end Pension
Funds
Consum.it
Fondi MPAM SGR
Fondi MPS AI SGR
Consumer credit.
Revolving credit
cards. Personal
and business loans
Italian mutual
investment funds
Italian funds of
hedge funds
AXA MPS Danni
SpA
Non-life policies,
theft, fire, etc.
17
AXA MPS Financial
Ltd
Foreign insurance
policies (unit-linked
and index linked)
MPS Fiduciaria SpA
Trust products and
transactions
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Synergies with Group companies
SPOLETO CREDITO E SERVIZI Società Cooperativa
This is the Group's Holding, which holds 51.07% of Banca Popolare di Spoleto S.p.A. shares
Spoleto Credito e Servizi (SCS) is a cooperative
with over 19,400 members throughout Italy.
The SCS holds 51.07% of the Bank's shares and is
the major shareholder.
Through Banca Popolare di Spoleto S.p.A., SCS
provides its customers with preferential-term
financial services.
Jointly with the Bank it created the Giuseppe
Romano Banking Studies Centre and the
Human Health Foundation Onlus.
Via Porta Fuga, 4 - 06049 Spoleto
www.grupposcs.it
BRANDUP SRL - Management Consulting
This is an investee company of the Bank and a subsidiary of Spoleto Credito e Servizi Soc. Coop.
BrandUP Srl is the Group's
services company, subject to management and
coordination of Spoleto Credito e Servizi S.C.
Through BrandUP, the Bank provides a package
of products/services unique to the area in which
it operates:
It operates in the following sectors:
Managerial consulting
Subsidised public financing
Marketing and Web services
Renewable source energy
Basel II consulting
Business Plans
Market research
Public works tender consulting
Photovoltaic assistance
Corso Garibaldi, 88 - 06049 Spoleto
Via Lunghi, 63 - 06135 Perugia
www.brandup.it
18
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The 2007-2010 Strategic Plan: growth and innovation
Independence and a local vocation through growth and innovation
Net profit of over € 13.2 million
CAGR revenues* (08-10) +4.9%
2010 Shareholders' Equity up to € 221 million
Share Capital increase of up to € 44 million, self-financed by
approx. € 8.5 million
2010 ROE over 6%
10 new branches
20,000 new customers
Staff increase to 750
Enhancement of the Financial Advisors' network
Average banking product up to € 6.5 million
Increased market share
Umbria Region, 1.0% per year
Growth
Value
Optimisation
Growth
Innovation
Innovation
Process automation
Expansion of the loans sector
Focus on IT as effective distribution tools
Streamlining of the distribution network
Emphasis on quality of service
Risk Management enhancement
Head Office reorganisation
Expansion of the product mix for customers
Cost of credit at 74 basis points
Net payout over two years of max 65%
Cost-income ratio to 62%
2010 TIER 1 to 7.8%
2010 TOTAL CAPITAL RATIO to 11.20%
* Compound Annual Growth Rate
19
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The 2007-2010 Strategic Plan: objectives for Customers
CRM and team dedicated to
affluent customers
Targeted products and
services to achieve
greater Customer Satisfaction
IT upgrading to reduce costs
and response times
Intensification of financial
advisory services, subsidised
public finance and business
consulting
Development of a
model based on
customer clusters and
not merely quantitative
Development of
cross-selling with an
integrated product mix
20
10 new
branches
Enhancement of the
Financial Advisors' network
Max
MaxValue
Value
Proposition
Proposition
for
forthe
theCustomer
Customer
www.bpspoleto.it
The 2007-2010 Strategic Plan: objectives for Employees
30 person increase in the Financial Advisors' network
(recruitment - staff turnover)
30 person increase in Employees
(recruitments - staff turnover)
750
665
Employees
22 Financial Advisors
30/06/2007
Recruitment of key staff to
Head Office and network
enhancement
Recruitments for
new branches
Financial Advisor recruitment
from the market
Recruitments for
new branches
Financial Advisor recruitment
after BPS training
Employees
Financial
Advisors
60
31/12/2010
The
Thechart
chartshows
showsthe
theincrease
increaseininworkforce
workforcenet
netof
ofstaff
staffturnover
turnoverfor
forboth
bothEmployees
Employeesand
andFinancial
FinancialAdvisors
Advisors
21
www.bpspoleto.it
Volumes and Values
The Strategic Plan: objectives for Shareholders
Volume objectives
(CAGR* 2006-2010)
Loans 10.9%
Economic objectives
(CAGR* 2008-2010)
Direct deposits 11.7%
Total deposits 6.8%
Revenues 4.5%
Cost of personnel 5.1%
Equity objectives
(CAGR* 2008-2010)
Admin. expense 3.4%
Provisions 2.1%
Shareholders’ Equity 14.6%
Net Profit 11.3%
Profit objectives
Gross profit of 24.9 million by 2010
ROE to 6.4% by 2010
* Compound Annual Growth Rate
22
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Contacts: Chairman's Office and Head Office
CHAIRMAN
Giovannino Antonini
Tel. + 390743220753
[email protected]
Piazza Luigi Pianciani, 5
06049 Spoleto (PG)
Tel. + 39 0743 2151 - Fax + 39 0743 44963
[email protected]
GENERAL MANAGER
Fully paid-up Share capital 62,136,899.60 Euro
Alfredo Pallini
Reg. no. 2346, Perugia Register of Companies
(Court of Spoleto)
Tel. + 390743215220
[email protected]
Perugia Chamber of Commerce no. 170173
Tax Code and VAT no. 01959720549
Reg. no. 5134.2, Register of Banks held by
the Bank of Italy
SENIOR DEPUTY GENERAL MANAGER
Mauro Conticini
Tel. +390743215215
Email: [email protected]
23
www.bpspoleto.it
Contacts: Divisions, Financial Advisors, Branch network
General Affairs, Litigation and Cost
Management Division
Mauro Riommi
Tel +390743/215603
[email protected]
Agnese Pula
Tel +390743215336
[email protected]
Marketing Division
Emilio Quartucci
Tel +390743215833
[email protected]
Loans Division
Marcello Siena
Tel +390743215768
[email protected]
Finance Division
Valerio Volpi
Tel +390743215345
[email protected]
Investor Relations, External Relations and
Special Assignments Division
Roberto Tantillo
Tel. +390743215233
[email protected]
Personnel Division
Mauro Conticini
Senior Dep. Gen. Manager
Tel +390743215220
[email protected]
Organisation and Support Services Division
Sandro Ascani
Tel +390743215314
[email protected]
Internal Audit Division
Camillo Latto
Tel +390743215370
[email protected]
Legal Affairs and Compliance
Division
Sandro Ascani
Tel +390743215314
[email protected]
Planning, Control and
Risk Management Division
Francesca Maria Palescandolo
Tel +390743215219
francesca_maria_
[email protected]
FINANCIAL ADVISORS OFFICE
Matteucci Lionello
Tel +390743215793
[email protected]
ROME COORDINATOR
Cesare Giglio
Tel +390642013405
[email protected]
CENTRAL NETWORK COORDINATOR
Corrado Caterini
Tel +39074234791
[email protected]
NORTHERN NETWORK COORDINATOR
Mario Carlettini
Tel. +39075575104
[email protected]
SOUTHERN NETWORK COORDINATOR
Lanfranco Amadio
Tel +390744545621
[email protected]
Foligno/Bastia Area
Cesare Galligari
Tel +390742347970
[email protected]
Spoleto/Valnerina Area
Franco Pezzi
Tel +390743215416
[email protected]
Alto Tevere Area
Maurizio Apostolico
Tel. +39075852219
[email protected]
Perugia Area
Maurizio Faina
Tel. +39075575105
[email protected]
Terni/Rieti/Viterbo Area
Carlo Mancini
Tel +390744545651
[email protected]
MARCHE COORDINATOR
Lucio Cavalieri
Tel +390733837697
[email protected]
24
www.bpspoleto.it
Contacts: Branches
Assisi
Piazza S. Chiara, 19
06081 Assisi (Pg)
Tel +39075816249
Cannara
Via A. Di Savoia
06033 Cannara (Pg)
Tel +390742720184
Cerqueto di Marsciano
Via 2 giugno, 26
06055 Cerqueto (Pg)
Tel +39075879397
Collazzone
Fraz. Collepepe
Via Tiberina, 145
06050 Collepepe (Pg)
Tel +390758789300
Foligno
Via C. Battisti, 2
06034 Foligno (Pg)
Tel +39074234791
Assisi S. M. Angeli
Via Los Angeles
06081 Assisi (Pg)
Tel +390758040303
Cascia
Piazza G. Garibaldi, 1
06043 Cascia (Pg)
Tel +39074376193
Cerreto di Spoleto
Piazza G. Pontano, 35
06040 Cerreto (Pg)
Tel +390743922128
Collevalenza di Todi
Voc.Torri 06050
Collevalenza di Todi (Pg)
Tel +39075887479
Giano dellÚmbria
Bastardo
Largo A. De Gasperi
06030 Bastardo (Pg)
Tel +39074299118)
Assisi – Torchiagina
Piazza A. Canini
06081 Torchiagina (Pg)
Tel +390758098135
Castel del Piano
Centro Commerciale "La
Perugina" - 06071 Perugia
Tel +390757749445
Città di Castello
Viale V. Veneto, 20
06012 Città di Castello(Pg)
Tel +390758521682
Corciano Fraz. Ellera
Via A. Gramsci
06074 Ellera (Pg)
Gualdo Cattaneo
Ponte di Ferro
P.zza Caduti delle Miniere
06035 Ponte di Ferro (Pg)
Tel +390742920000
Bastia
Via V. Veneto
06083 Bastia (Pg)
Tel +390758010821
Castel Ritaldi - La Bruna
Via della Repubblica
06080 Castel Ritaldi (Pg)
Tel +39074351313
Città di Castello
Loc. Riosecco
Via del Vaschi, 1
06012 Riosecco (Pg)
Tel +390758522135
Deruta
Via Tiberina, 243
06053 Deruta (Pg)
Tel +390759724047
Gualdo Cattaneo
S. Terenziano
Via delle Scuole, 2
06058 SanTerenziano (Pg)
Tel +390742932000
Bevagna
Corso G.Matteotti 36/38
06031 Bevagna (Pg)
Tel +390742360125
Castiglion del Lago
ViaS.Pellico 06061
Castiglion del Lago (Pg)
Città di Castello
San Secondo
Via E. Fermi, 2 - 06012
San Secondo (Pg)
Foligno - Loc. Paciana
Viale Firenze, 166/d
06034 Loc. Paciana (Pg)
Gualdo Tadino
Via Vittorio Veneto, 75
06023 GualdoTadino (Pg)
Tel +390759140115
Tel +390759525146
Tel +390755172499
Tel +39074220060
Tel +390758578149
25
www.bpspoleto.it
Contacts: Branches
Gubbio - Padule
Via Castel DÁlfiolo, 34
06024 Padule (Pg)
Tel +390759293071
Monteleone di Spoleto
Corso V. Emanuele, 20/b
06045 Monteleone di
Spoleto (Pg)
Tel +39074370115
Perugia - Corso Vannucci
C.so Vannucci, 30
06180 Perugia (Pg)
Tel +39075575131
Perugia - Sant' Egidio
Via Assisi, 101
06080 Sant' Egidio (Pg)
Gubbio
Via Montello, 17
06020 Gubbio (Pg)
Tel +390759221856
Nocera Umbra
Loc. Gaifana
06025 Gaifana (Pg)
Tel +390742810582
Perugia - Elce
Via A. Vecchi, 53
06100 Perugia (Pg)
Tel +3907542470
Perugia
Solfagnano Parlesca
Via della Solidarieta, 4
06100 SolfagnanoParlesca (Pg)
Tel +39075604433
Scheggino
Piazza del Mercato, 1
06040 Scheggino (Pg)
Tel +39074361139
Magione
Loc. Case Nuove
06063 Magione (Pg)
Tel +390758472416
Nocera Umbra
Piazza Umberto I, 6
06025 Nocera Umbra(Pg)
Perugia - Ponte Felcino
Via dellÁla, 14/d
06077 Ponte Felcino (Pg)
Tel +390755918569
Perugia 1 - Via Briganti
V. Briganti, 69/c
06100 Perugia (Pg)
Tel +390755057607
Sellano
Via G. Marconi
06030 Sellano (Pg)
Tel +390743926577
Marsciano
Via Umberto I
06055 Marsciano (Pg)
Norcia
Corso Sertorio, 5
06046 Norcia (Pg)
Tel +390743828151
Perugia
Ponte San Giovanni
Via della Scuola 06087
Ponte San Giovanni (Pg)
Tel +390755671
Perugia 2
Via Caduti del Lavoro
V. Caduti del Lavoro, 52
06100 Perugia (Pg)
Tel +39075567270
Spoleto
S. Giovanni Baiano
Via K. Marx, 92 - 06049
S. Giovanni Baiano (Pg)
Tel +390743215361
Perugia - Colombella
Via delle Marche, 26/a
06080 Colombella (Pg)
Perugia - San Sisto
Via Tagliapietra, 3
06080 Perugia (Pg)
Tel +39075528581
Preci
Via Roma, 33
06047 Preci (Pg)
Spoleto - San Giacomo
Corso Flaminio, 115
06049 San Giacomo (Pg)
Tel +390743275627
Tel +390758749911
Montefalco
Piazzetta Mustafà
06036 Montefalco (Pg)
Tel +390742378607
Tel +390742812051
Tel +390755791000
26
Tel +390755928283
Tel +390743939251
San Giustino
Via Umbra, 18/b
06016 San Giustino (Pg)
Tel +390758569321
www.bpspoleto.it
Contacts: Branches
Spoleto - San Venanzo
Via S. Benedetto
06049 San Venanzo (Pg)
Tel +390743215475
Todi
Via Angelo Cortesi
06050 Todi (Pg)
Tel +390758942655
Amelia
Via Orvieto, 14/15
05022 Amelia (Tr)
Tel +390744978087
Orvieto
Via Montenibbio
05018 Orvieto (Tr)
Tel +390763300044
Terni
Corso del Popolo
05100 Terni (Tr)
Tel +390744545611
Spoleto - Via Marconi
Via G. Marconi
06049 Spoleto (Pg)
Tel +390743215861
Torgiano
Via G. Mazzini, 6
06089 Torgiano (Pg)
Tel +390759880023
Arrone
Via G. Matteotti, 10/12
05031 Arrone (Tr)
Tel +390744389138
Terni - Via della Stazione
Via della Stazione, 25
05100 Terni (Tr)
Tel +390744433521
Civitavecchia
Viale della Vittoria, 4
00053 Civitavecchia Roma
Tel +39076633449
Spoleto - Sede
Piazza Pianciani, 1
06049 Spoleto (Pg)
Trevi - Cannaiola
Via Nuova, 39/a
06039 Cannaiola (Pg)
Tel +390742/381895
Narni Scalo
Via Tuderte, 84
05036 Narni Scalo (Tr)
Tel +390744750870
Terni - Viale Trento
Viale Trento
05100 Terni (Tr)
Tel +390744288340
Fonte Nuova
Via Palombarese ,82
00013 S.Lucia Roma
Tel +390690531908
Spoleto 1
Ag. Città Via Nursina
Via Nursina, 1
06049 Spoleto (Pg)
Tel +390743215434
Trevi
Piazza G. Garibaldi, 7
06039 Trevi (Pg)
Tel +390742381583
Narni
Via G. Garibaldi, 25
05035 Narni (Tr)
Tel +390744726641
Terni - Voc. Sabbione
Str. Sabbione
05100 Voc. Sabbione (Tr)
Roma - La Storta
Via Braccianese, 15
00123 - La Storta Roma
Tel +390630892143
Tavernelle
Via Pievaiola, 3
06068 Tavernelle (Pg)
Tel +390758355972
Umbertide
Via Martiri della Libertà
06019 Umbertide (Pg)
Tel +390759412029
Orvieto - Sferracavallo
Via Po, 8,10,12
05010 Sferracavallo (Tr)
Tel +390763393418
Terni 1 - Borgo Rivo
Viale del Rivo, 79
05100 Borgo Rivo (Tr)
Tel +390743215271
27
Tel +390744814545
Tel +390744305399
Roma - Via Emilia
Via Emilia, 68
00187 Roma
Tel +390642013405
www.bpspoleto.it
Contacts: Branches
Roma - Via Innocenzo XI
Via Innocenzo XI, 43/45
00165 Roma
Tel +39066382794
Leonessa
Piazza VII Aprile, 7
02016 Leonessa Rieti
Chiusi
Via Leonardo da Vinci, 21
53043 Chiusi (Si)
Porto d’Ascoli
Via Valsesia, 2
63037 Porto dÁscoli (Ap)
Tel +390735753812
Tolentino
Via G. Leopardi
62029 Tolentino (Mc)
Tel +390746923171
Tel +390578226433
Roma 1
Corso Trieste
00198 Roma
Rieti - Via G. Falcone
Via G. Falcone, 33/35
02100 Rieti
San Benedetto del Tronto
Via A. De Gasperi, 42
63039 S. Benedetto (Ap)
Tel +390746202430
Montepulciano
Loc. Stazione
53045 Montepulciano (Si)
Tel +390578738748
Tel +39073586398
Villa Potenza - Macerata
Borgo Peranzoni, 152
62010 Villa Potenza (Mc)
Tel +390733493191
Tel +390686398118
Roma 2
Circ.ne Clodia, 165 f
00195 Roma
Tel +390637500192
Rieti - Via Matteucci
Via Matteucci
02100 Rieti
Tel +390746200149
Sansepolcro
Via Montefeltro, 10
52037 Sansepolcro (Ar)
Tel +390575734606
Civitanova Marche
Corso Garibaldi, 22
62012 Civitanova Marche
Tel 0733784479
Visso
Via Rosi, 21
62039 Visso (Mc)
Tel +390737972005
Cittaducale
Fraz. S. Rufina
Viale le M. DÁquilio,
58/60 02015 Rieti
Montefiascone
Via Indipendenza, 26
01027 Montefiascone (Vt)
Osimo
Via don Sturzo, 61
60027 Osimo Ancona
Tel +39071715999
Monte San Giusto
Fraz. Villa San Filippo
Via Pontechienti, 31
62015 Villa S. Filippo (Mc)
LÁquila
Ss. 17 nr.2 c/o Centro
Commerciale Parroni 67100 LÁquila
Tel +390862317317
Tel +390761820592
Tel +390746606568
Fara in Sabina
Passo Corese
Via G. Matteotti, 70/72
02032 Rieti
Tel +390765484072
Tel +390733837522
Viterbo
Via F. Baracca, 26
01100 Viterbo
Tel +390761250920
Porto San Giorgio
Via Petrarca, 63
63017 (Ap)
Tel +390734674320
28
Recanati
Via Madonna Cupa di
Varano62019 Recanati
(Mc) Tel +390717570092
Tel +390733966025
Milano
Via del Bollo, 8
Milano
Tel +390272018085
www.bpspoleto.it