• IMPRESE
  • DRL
  • CREDITI FISCALI
  • RACCOLTA
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  • Banca IFIS supports the short-term financial and credit management needs of small- and medium-sized enterprises. This...
  • The Banca IFIS Group is the only independent banking group in Italy that specialises in the sector of trade receivables...
  • Credi Impresa Futuro Banca IFIS developed a new project, introducing also a new brand, to foster the growth of trade...
  • STATEMENT OF FINANCIAL POSITION(in thousands of Euro) TRADE RECEIVABLES...
  • RECLASSIFIED CONSOLIDATED STATEMENT OF FINANCIAL POSITION: QUARTERLY...
  • The organisational structureThe model for segment reporting is in line with the organisational structure used by the...
  • MAIN STATEMENT OF FINANCIAL POSITION ITEMS(in thousands of Euro) AMOUNTS AT...
  • Formation of net banking incomeNet banking income rose 7,9% from 244,9 million Euro to 264,2 million Euro, thanks to...
  • GROUP KPIs (1) YEAR CHANGE 2013 2012(2) %...
  • The Banca IFIS Group continues to grow relentlessly, breaking new records in terms of profitability, capitalisation and...
  • The model for segment reporting is in line with the organisational structure used by the Head Office to analyse Group...
  • The Banca IFIS Group is the only independent banking group in Italy that specialises in the sector of trade receivables...
  • The Group's prospects for 2014 remain largely positive. On the economic front, the recession that has characterised...
  • STATEMENT OF FINANCIAL POSITION(in thousands of Euro) TRADE RECEIVABLES...
  • RECLASSIFIED CONSOLIDATED STATEMENT OF FINANCIAL POSITION: QUARTERLY...
  • The organisational structureThe model for segment reporting is in line with the organisational structure used by the...
  • MAIN STATEMENT OF FINANCIAL POSITION ITEMS(in thousands of Euro) AMOUNTS AT...
  • The market for tax receivables usually arising from insolvency proceedings has historically been valued at 40 to 50...
  • Fast FinanceFast Finance is Banca IFIS Group’s business area specialised in purchasing tax receivables arising from...
  • The Banca IFIS Group continues to grow relentlessly, breaking new records in terms of profitability, capitalisation and...
  • Formation of net banking incomeNet banking income rose 7,9% from 244,9 million Euro to 264,2 million Euro, thanks to...
  • The model for segment reporting is in line with the organisational structure used by the Head Office to analyse Group...
  • In 2013, Italian banks registered an overall reduction in funding, mainly as a result of lower refinancing operations...
  • On 7 January 2013, Banca IFIS officially launched contomax, its crowd current account born from the dialogue with the...
  • rendimax is Banca IFIS’s high-yield online savings account aimed at private investors, companies and insolvency...
  • The Banca IFIS Group is the only independent banking group in Italy that specialises in the sector of trade receivables...
  • Formation of net banking incomeNet banking income rose 7,9% from 244,9 million Euro to 264,2 million Euro, thanks to...
  • Control over the development of the Group's organisation, with reference to organisational structures, size and...
  • Key Data On The Consolidated Income Statement (2013 VS 2012)Key Data On The Consolidated Statement Of Financial...
  • The Group's prospects for 2014 remain largely positive. On the economic front, the recession that has characterised...
  • The Banca IFIS Group continues to grow relentlessly, breaking new records in terms of profitability, capitalisation and...

Chairman’s Letter

Dear Shareholders,

Banca IFIS celebrated its 30th anniversary in style with excellent results, all the more significant considering they were achieved against a challenging economic and social backdrop.

The credit industry saw significant tensions, with banks curtailing loans for regulatory and risk-related reasons, and thus negatively affecting lending to companies and households.

For businesses, especially small-sized ones, the credit crunch has had serious consequences, impacting employment and income levels for all those involved, i.e. entrepreneurs, employees, and suppliers.

For households, even though their savings are high on average, dwindling income caused spending to contract further and, increasingly, indebted people to default on their obligations.

The Bank’s support for companies on the one hand, and struggling households on the other, is intended to demonstrate confidence in Italy’s ability to recover; make the Bank’s lending capacity available to the real economy; and show its ability to make an impact where the market needs it the most.

In 2013, Banca IFIS underwent important changes which will have a further positive impact in the future.

A renewed and strengthened organisation, especially as far as risk control and management are concerned; the development of new and sustainable methods for managing household lending; and new ways to lend responsibly to small companies – these are just some of the indicators of the Bank’s propensity to innovate.

We enter 2014 with an excellent level of equity, allowing us to continue with our policy of distributing dividends – something I believe all our shareholders appreciate – as well as further support the economy; abundant liquidity; strong profitability; and outstanding asset quality, considering the economic situation, and which we hope to improve further.

The market appreciates the Bank's position, as shown by the 134% rise in the share price during the period, the interest of Italian and international investors, and the gradual consolidation of the dialogue between the Bank and all shareholders – a dialogue we wish to expand further.

I believe we can be satisfied with our progress as well as our prospects.

On this 30th anniversary, I wish to give special thanks to all the staff that have made it possible to build this Bank, which is now a reference for us all and an asset for Italy.

 

BANCA IFIS SPA P. IVA n. 02992620274