• 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...

Funding

In 2013, Italian banks registered an overall reduction in funding, mainly as a result of lower refinancing operations with the Eurosystem (-14,0% over the 12 months to September 2013) and the protracted decline in wholesale funding (-4,6%) Also retail funding fell slightly (-0,8%); the growth in households' deposits (4,7%) did not offset the reduction in bank bonds (-39 billion Euro), largely due to the higher taxation of interest payments.

In 2013, Banca IFIS continued to access secured lines, relying on a significant and growing pool of Italian government bonds, accepted as collateral by other international banks or, as a last resort, on the Eurosystem, thanks to the loans granted by the ECB.

Since January 2012, the Bank has been holding a portfolio of assets eligible for refinancing operations with the Eurosystem by issuing and repurchasing 138 million Euro in bonds that the Italian Government had guaranteed for a three-year period and 69 million Euro in bonds the Government had guaranteed for a five-year period, paying 1,03% in fees.

In February 2012, Banca IFIS received a three-year 500 million Euro loan at a 0,75% rate (ECB's key interest rate) as part of the second tranche of the LTRO programme, which is yet to be reimbursed.

Funding never showed signs of stress and securities trading generated positive results in terms of profitability, helping to ease retail funding costs. Those are traditionally higher on the online market, where the volatility of deposits not sufficiently remunerative for customers may represent a risk.

 

BANCA IFIS SPA P. IVA n. 02992620274