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Newsletter Banca IFIS Group 1
1.
Website: www.bancaifis.it AnnualReportwebsite: bilancio.bancaifis.it Email:
ifis@bancaifis.it Investorcontact MaraDiGiorgio Email:mara.digiorgio@bancaifis.it Phone:Phone:+390415027623 http://www.linkedin.com/company/banca-ifis www.twitter.com/bancaIFIS www.facebook.com/Banca.IFIS “2011wasanyearinwhichweshowedwewereabletoovercometheproblemsarising from theeconomic,financialandpoliticalscenario:deteriorationofcreditquality, recession,sovereigndebtcrisis.Despiteallthis,in2011BancaIFIShasrecordedthe bestresultsinitshistory,andisnowpreparingforthefuture,thinkingaboutbusinesses, saversandfamilies”saidChairmanvonFurstenberg. Let’slookatthemostsignificantitemsindetail: Theentireperiod(01/01/2011–31/12/2011): •• Increaseinnetbankingincomeof28.6% to121.4millionEuro. • Growthinnetprofitfromfinancialactivitiesof27.6% to89.3millionEuro. • Furtherimprovementintheimpactofcostsonnetbankingincome(cost/income ratio)whichended2011at39.1%. • Significantincreaseinprofitfortheyearwhichexceeded26.5millionEuro,upby 42.5%. • Solvencyat10.8% •• CoreTier1at11.2% • ROEat12.6% Inthefourthquarter(01/10/2011–31/12/2011): • Increaseinnetbankingincomeof42.0% to37.6millionEuro. • Increasenetprofitfromfinancialactivitieswhichstoodat24.4millionEuro (+53.1%). • Sharpincreaseinprofitfortheperiod,+90.6% (5.5millionEuro). “We“Wearewellawareoftheday-to-dayproblemsfacingbusinesses.Weinviteownersof healthycompanies,believinginthevalueoftheirownworkandgeneratingqualitytrade receivables,toplacetheirtrustinBancaIFIS:togetherwewillfindthebestsolutionto supporttheiroperationsandallow them tocontinuetodobusinessandbuildtheir future,”statedtheChiefExecutiveOfficerGiovanniBossi,addinghiscommentson funding“theresponsefromsaversandfamiliestorendimaxhasbeenfantastic,andhas deeplychangedtheBank.Beforerendimaxwewerelimitedtotheinterbankmarket, whichwhichinrecentyearshaslostitsmomentum,butnowtheliquidityofourdepositaccount allowsustoguaranteebusinessesandtherealeconomyeverypossiblesupport.An impressivechangeintermsofsizeandspeed.Presenceonsocialnetworkshasshown investorsourrange,promptingconversation,andhasenabledustolistentothemarket needs,givingsubstancetoournewproductssuchasrendimaxLike,whichhasdriven allthefundingactivity,eveninthefirstfewmonthsof2012.Wehavealwaysbelievedin theEuro,andintheworkingspiritofItaly.Today,with4billioneurosinvestedinItalian governmentgovernmentsecurities,weareoneofthemostimportantbanksfortheacquired portfolio,alsoinrelationtooursize.Theprofitswewillreceivefrom thisactivityinthe comingyears,oncetaxeshavebeenpaid,willstrengthentheBank’sequityandwill thereforegobackintotherealeconomy”. OnMarch22nd,theBoardofDirectorsapprovedtheGroup’s resultsforthe2011period.Therewasplentyofexpectation forthefinancial-equitydata,specificallyinordertoassessthe Group’sreactiontothedifficulteconomicsituationcurrently experiencedbyItaly,acountrydeterioratedbyrecession, creditcrunchandsovereigndebtcrisis.Despitethedifficult times,in2011theGrouppostedthebestperformanceofits entirehistory.entirehistory. 5.Upcomingbranchopenings 6.Newinitiatives:CUOAandmuchmore 7.Contacts 1.2011results 2.Outlookfor2012 3.Theonlinepresenceofrendimax 4.TheGroupthathires
2.
Theevolutionofrendimax,theBancaIFIS onlinesavings account,wasasquickasitwaseffective.Itsnaturallandingto whatisknownastheWeb2.0isinfactoneofthekeystothe successofasavingstoolaccountalreadyappreciatedbythe market.Inadditiontotheincreaseinnumberofcustomers andofdepositsmade,rendimaxholdsarecord:itisthefirst savingsaccountdesignedonlinetogetherwiththesavers. Indeed,Indeed,thankstoaseriesofsurveysconductedonthe Internet,in Decemberof2011
Banca IFIS introduced rendimaxLike,thefreeon-callsavingsaccountlaunched throughadailyconversationwiththeusersonthesocial networksandonthespecialisedforumFinanzaOnLine. Inadditiontothegrowingnumberofcustomers,thestrengthandsuccessofthisproduct hascontributedtoBancaIFISbeingawardedthe2011topspotinthebankingsectorby “SocialMediAbilityofItalianCompanies:ayearlater”,theresearchconductedbythe UniversitàIULM evaluatingthepresenceandinteractionofcompaniesinthesocial networks. rendimaxisonFacebook,withitsofficialpage,andonthefollowingchannels: • Twitter:averitableonlinecustomercareservice; •• LinkedIn:thegroupdiscussingabouteconomyandfinance; • SalvaRisparmio:theblogfordiscussingandexchangingviewsonthetopicof savings; • TheGoogle+andPinterestprofiles,thelatestadditionsinordertoimprovethe onlineservicesaddressedtoourcommunityofusers. AllAlltheseservicesaredesignedtoofferanew conceptof2.0Bank,inotherwords entirelydedicatedtotheworldoftheInternetandtothecapabilitiesandlogicsthatsuch worldoffersinhandlingcustomerrelations,andwhichareapreludetorendimax becomingacurrentaccount. TheTheBank’sfocusontheonlineworldiscombinedwithahigh-standardandefficient telephone service,which customerscan contactbydialling the toll-free number 800.522.122fromMondaystoFridaysfrom8:00amuntil8pm,andonSaturdaysfrom 8:00amuntil2:00pm. Therewillbegreaterfocusonthemanagementofnon-performingloansacquiredbythe ToscanaFinanzadivision,whichshowsexcellentrecoverypossibilitiesstronglyrelated totheactivitiescurrentlyunderway,constantlystrivingforgreaterexcellenceinportfolio management.Fortaxcreditsgeneratedbybankruptcyproceedings,theactivityofthe subsidiaryFastFinanceissuitablypositionedforgeneratinggrowingincomeflows. DuringDuringthefirstweeksof2012,thesizeofthebondportfoliowasincreasedsignificantly, uptoatotalofover4.5billionEuros.ThepurchasedbondsareallItaliangovernment bonds,withshort-termmaturitydatesandfixedrateormedium-termmaturitydatesand variablerate.Itcanbereasonablyexpectedforthesebondstogenerateconsiderable incomein2012andinthefollowingperiods. ThereTherearesignificantexpectationsconcerningthegrowthoftheretailcollectionbythe onlinesavingsaccountrendimaxwhich,duringthecourseof2012willbeaddingthe typicalcharacteristicsofacurrentaccounttoitsalreadyimportantcapabilities.The collectiongeneratedbytherendimaxretailcollectionwillallowsthebanktoeasilyplan itsfinancialgrowth. Overall,Overall,itispossibletoforecastapositivetrendinprofits,whichshouldrisesharply aboveall,butnotexclusively,duetotheadditionalprofitsarisingfrom thesecurity business,andasimultaneousincreaseinsolvencyasaresultofthecapitalisationof saidprofits.WithregardstotheBank’straditionalandnewsectors,weexpect:apositive trendofthemarginsinthesectorofloanstoenterprises,withariskelementrepresented bythecurrenteconomicsituationanditsimpactonthequalityofthecredit;anincrease inoperationsandinthemarginsinthesectorofnon-performingloans;apick-upin profitabilityprofitabilityandtheopeningtoproductsandservicesthathaveyettobeexploredin favourofproceduresasconcernstheoperationsofthesubsidiaryFastFinance,for whichthemergerprocessintotheparentCompanyhasbeeninitiated.Suchprocessis expectedtobecompletedbytheendoftheyearfollowingtheauthorizationbythe SupervisoryBody. Starting from the strengthening in equityand liquidity generated bythe rendimaxretailchannel,the Group intendstoenhanceitspresenceintherealeconomy.An increaseinloansisplannedinordertobothsupportthe financingofindustrioussmallandmediumsizecompanies capableofachievingsignificantgrowthandtoenhancethe pharma-industrial segment, which offers excellent refinancingopportunitiesandinterestingyields.refinancingopportunitiesandinterestingyields. April2nd,2012 ▪NewBancaIFISbranchopensinPisa April27th,2012: ▪Shareholders’Meetingforapprovalofthe annualreportfor2011 May8th,2012: ▪BoardofDirectors’approvalfirstquarterly▪BoardofDirectors’approvalfirstquarterly
3.
Startingfromthissolidfinancialbase,theGrouppursuestheobjectiveofsearchingfor andtrainingyoungsterswithaneyetothefuture,capableofprofessionalandpersonal growthwithinadynamicandconstantlyevolvingorganisation.Andnotjustyoungsters: wearealsolookingforseniorfiguresthatcanprovidetheirvaluableexperience. Throughthewebsite,andspecificallytheCareerssectionoftheLinkedInpageofthe BancaIFISGroup (http://www.linkedin.com/company/banca-ifis/careers),(http://www.linkedin.com/company/banca-ifis/careers),youcanlookthroughtheposi- tionsthatarecurrentlyopen.Specifically,thereareemploymentopportunitiesinthe commercialarea(SalesManagers)aswellaspositionsofamoremanagerialnature, dedicatedtotheGroup’soperationalmanagementandorganisation. Theprofessionalfiguresinhighestdemandinclude: • SalesManager; • JuniorCreditManager; •
OrganisationProjectManager; • CorporateAffairsClerk; • AssetManager; Despitethecrisisthatiscausingmoreandmorepeopleto beunemployed,theBancaIFISGroupcontinuesitshiring campaign.The mergerby incorporation ofToscana Finanza,combinedwiththeencouragingfiguresofthe 2011consolidatedfinancialstatements,haveresultedin theBancaIFISGroupneedingnewpersonnel. AmongthevariousinitiativesundertakenbytheBancaIFIS Group,thecooperationwithFondazioneCUOAstandsout. FondazioneFondazioneCUOAisamanagementschoolthathasbeen operatingattheinternationallevelsince1957.Itspeculiar featureisthestrongbondwiththeeconomic-entrepreneurial sectorinwhichitworks,whichguaranteestheschool–in addition to scientific rigour– a considerable applicative nature. TheThefeatherinthecapofitsteachingofferisCUOAFinance, whichrepresentstheschool’sspecificfocusonthefinance marketandonitsmainmarketplayers,suchas:banks, insurancecompaniesandfinancialservices. ThecooperationbetweentheBancaIFISGroupandFondazioneCUOAhasledtoa partnershipagreementundertwoprofiles: • ContributingtothesecondeditionoftheMasterinFinance; • CycleofmeetingsdedicatedtotheenterpriseswhoareBancaIFIScustomerson topicsofcorporateandfinancialculture. ThisThisseconditem isdevelopedthroughthecourse“Toolsandtechniquesforabetter relationship between enterprise and bank”,dedicated to entrepreneurs,General Managers,CFOs,andControllersofcompanieslocatedintheNorth-easternItaly (Padova,Pordenone,TrevisoandVicenzabranches)withthegoalof: • encouraging the developmentofa financialenterprise culture:finance asa strategicleverinsupportoftheenterprise’sbusiness; •• suggesting techniquesand toolswith which to plan financialresourcesand evaluatethefinancialsustainabilityofthedebt; • understandinghowtoproperlycommunicatethebank’sdevelopmentprojectsand financialplans. Thecourseconsistsofthreemeetings,whichareheldattheregisteredofficeofBanca IFIS,from5:00pmuntil8:00pm. Themeetingsareuponinvitationandfreeofcharge. AnotherAnotherimportantcooperationistheoneinvolvingtheDecimoSaloned’Impresa(Tenth Enterprise Tradeshow),which willbe held on May18th and May19th atVilla Furstenberg(VeniceMestre),theheadquartersofBancaIFIS. Thisyear’seditionwillbededicatedtotheLiquidEnterprise,ascoinedbyBauman. TheThe event,attracting an audience ofapproximately 500 entrepreneurs and top managers,aims to analyse the new relationship between bank and enterprise, evaluatingitsevolutionintermsoftheapproachandmanagementofthepartnership betweenthesetwoeconomicinstitutes.
4.
Website:http://www.bancaifis.it 2011AnnualReportwebsite:http://bilancio.bancaifis.it Email:ifis@bancaifis.it Investorcontact:MaraDiGiorgio Email:mara.digiorgio@bancaifis.it Phone:+390415027623 BancaIFIS isalways,andhasalwaysbeen,closetoits customers.AftertheopeningsofthispastNovember,which broughtto27thenumberofItalianbranchesdedicatedto enterprises,thenew branchinPisawillbeinauguratedon April2nd. ThenewbranchjoinstherecentopeningsoftheTurin branch(includingtheprovincesofAstiandAlessandria)andthebranchinSalerno, Campania’slargestprovinceintermsofsize. BancaIFIS,focusedonprovidingcommercialcreditinsupportofemploymentandthe developmentofsmallandmedium
enterprises,offersitscustomersanincreasingly capillarypresenceforahigherqualityserviceandafurtherreductioninresponsetimes. Newaddress: BancaIFISS.p.A. V.Mezzanina,18V.Mezzanina,18 56121PISA
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