The BPER Group’s Business Plan defines the strategies to be followed and sets the objectives to be pursued
Strategies
To be the federal system of Banks which best meets the needs and plans of households and small/medium-sized enterprises
To be a point of reference in terms of soundness and customer service, striving to contribute to the economic development of the areas covered, with a concrete focus on social needs in line with the spirit of co-operative credit.
Objectives
To be a federal Group open to aggregations with other local Banks whose models match ours, with specific reference to highly attractive areas which are currently not covered
To increase market shares in the geographical areas where the Group is located
To ensure profitability of the Group that is adequate and sustainable, also through suitable levels of commercial productivity and operating efficiency. Grow at a balanced pace, preserving equity soundness
Main Business Plan Measures
Income synergies
Turnaround of underperforming branches
Introduction of Customer Relationship Management (CRM) tools
Strengthening coverage of local areas
Risk-Based Pricing
Development of Financial Advisory services for businesses through the Corporate Banks of the “Meliorbanca” Group
Cost synergies
Optimization of administrative costs
Increased efficiency of personnel costs
Rationalization of branch processes
Loans
Improved efficiency for doubtful loans management
Improved IT tools in the process of Branch/Loans Centre coverage
