{"product_id":"bper-business-model-canvas","title":"BPER Banca Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Business Model Canvas for an Italian Retail Bank - Actionable Insights\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind BPER Banca with our Business Model Canvas that maps value propositions, customer segments, channels, and revenue streams. This concise analysis reveals how BPER scales, manages risks, and captures market share in Italian banking. Ideal for investors, consultants, and executives seeking actionable insights. Purchase the complete, editable Canvas to benchmark and implement proven strategies.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayment networks and card schemes\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePartnerships with Visa (accepted in 200+ countries and territories) and Mastercard (over 210 countries and territories), plus domestic schemes, enable BPER Banca to issue and accept cards, broadening customer payment options. These partners supply payment technology, fraud and risk tools, and co-marketing, boosting transaction throughput and non-interest fee income. The alliances strengthen omnichannel payments across POS and e-commerce, improving conversion and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance and bancassurance partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTie-ups with insurers enable BPER to embed life, non-life and protection products across banking journeys, reflecting that bancassurance channels sold around 57% of Italian life premiums (ANIA 2023). Co-design of solutions sharpens product fit for retail and SME segments and accelerates cross-sell. Revenue sharing lifts fee income while diversifying client solutions. Joint compliance and underwriting expertise lowers operational and credit risk exposure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintechs and technology vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAlliances with fintechs power digital onboarding, KYC, payments, analytics and PSD2-compliant open banking APIs (PSD2 in force since 2018), while core banking providers and cloud vendors enhance scalability and time-to-market. Co-innovation pilots speed feature delivery and proofs-of-concept. Vendor SLAs (commonly 99.9–99.99% uptime in 2024) help maintain security, availability and regulatory standards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional funding and capital markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eInstitutional funding and capital markets relationships—wholesale lenders, investors and ECB facilities (TLTRO outstanding ~€1.03tn in mid‑2024)—support BPER Banca’s liquidity and capital optimization, while securitization and covered‑bond partners provide efficient market funding and reduce funding costs; market makers and brokers enhance treasury execution, stabilizing lending capacity across credit cycles.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eWholesale lenders: diversified counterparties\u003c\/li\u003e\n\u003cli\u003eECB TLTRO: ~€1.03tn (mid‑2024)\u003c\/li\u003e\n\u003cli\u003eSecuritization\/covered bonds: efficient term funding\u003c\/li\u003e\n\u003cli\u003eMarket makers\/brokers: treasury execution, liquidity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate, SME ecosystems and associations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with trade bodies, chambers and local business networks expand BPER Banca reach into Italy’s SME base, which represents 99.9% of firms and employs about 78% of the workforce (ISTAT\/Eurostat 2024), enabling targeted co-programs that bundle banking, leasing and advisory services. Ecosystem referrals lift deal flow while regulated data-sharing (PSD2, consented info) improves credit assessment and product tailoring.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSME coverage leverage: taps 99.9% of firms\u003c\/li\u003e\n\u003cli\u003eBundled offers: banking + leasing + advisory\u003c\/li\u003e\n\u003cli\u003eData-driven underwriting: PSD2-enabled insights\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic partners boost digital onboarding, funding, fee income and operational resilience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic payment, insurer, fintech, cloud and capital-market partners expand BPER Banca’s product reach, digital onboarding and funding, boosting fee income and resilience. Card networks (Visa 200+ countries; Mastercard 210+), bancassurance (57% life premiums via banks, ANIA 2023), fintech\/cloud uptime targets 99.9–99.99% (2024) and ECB TLTRO exposure ~€1.03tn (mid‑2024) underpin scale and liquidity.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePartner Type\u003c\/th\u003e\n\u003cth\u003eKey Metric\u003c\/th\u003e\n\u003cth\u003e2023\/2024 figure\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard networks\u003c\/td\u003e\n\u003ctd\u003eGlobal acceptance\u003c\/td\u003e\n\u003ctd\u003eVisa 200+; Mastercard 210+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003eShare of life premiums sold via banks\u003c\/td\u003e\n\u003ctd\u003e57% (ANIA 2023)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\/Fintech vendors\u003c\/td\u003e\n\u003ctd\u003eUptime SLA\u003c\/td\u003e\n\u003ctd\u003e99.9–99.99% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eECB funding\u003c\/td\u003e\n\u003ctd\u003eTLTRO outstanding\u003c\/td\u003e\n\u003ctd\u003e~€1.03tn (mid‑2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME networks\u003c\/td\u003e\n\u003ctd\u003eFirm share in Italy\u003c\/td\u003e\n\u003ctd\u003e99.9% of firms; 78% workforce (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for BPER Banca detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure and risk factors, reflecting real-world retail and corporate banking operations. Ideal for presentations, investor discussions and strategic analysis, with SWOT-linked insights and competitive advantages per block.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level one-page snapshot of BPER Banca’s business model with editable cells, condensing strategy, customer segments, revenue streams and risk drivers for quick review and team collaboration—saves hours and ideal for boardrooms, comparisons, and fast deliverables.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit gathering and lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDeposit gathering and lending drive BPER Banca’s balance sheet growth, with underwriting, pricing and portfolio monitoring central to origination and risk control; in 2024 the group reported customer deposits of about €86.5bn and loans net of €73.8bn. Mortgage, consumer and SME\/corporate lending remain primary income sources, while ongoing repricing and liquidity management mitigate interest rate and funding risks. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk, compliance, and capital management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCredit, market, liquidity and operational risk frameworks maintain resilience, supporting a reported fully loaded CET1 ratio of 13.2% in 2024 and a net NPE ratio near 3.9%. Compliance covers AML\/KYC, conduct and prudential rules, aligned with 2024 remediation and reporting targets. ICAAP\/ILAAP and stress testing optimize capital use and recovery plans under adverse scenarios. Data governance and enhanced reporting sustain regulatory alignment and transparency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital platform development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBuilding and maintaining mobile, web and API layers enables BPER Banca to deliver omnichannel services; as of 2024 the bank reports over 2.5 million digital customers leveraging these channels. Agile squads continuously ship features such as instant payments and e-signatures, shortening time-to-market for new services. Robust cybersecurity, identity and fraud controls protect customers, while analytics drive personalization and cross-sell through behavioral segmentation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth and investment services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAdvisory, portfolio management and fund distribution serve affluent clients using suitability checks, ESG preferences and model portfolios; ongoing reviews rebalance holdings to client goals and MiFID II\/SFDR standards. Custody and brokerage extend access to Italian and international markets, supporting over 200 000 investment accounts and AUM in the low tens of billions (2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAdvisory + model portfolios\u003c\/li\u003e\n\u003cli\u003eSuitability \u0026amp; ESG capture\u003c\/li\u003e\n\u003cli\u003eCustody \u0026amp; brokerage access\u003c\/li\u003e\n\u003cli\u003eOngoing reviews \u0026amp; rebalancing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeasing, factoring, and specialized finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eLeasing, factoring and specialized finance provide asset finance and working capital to SMEs and corporates, supporting investment and liquidity needs; Italian SMEs still represent 99.9% of firms in 2024. Origination, asset valuation and collections are core activities, while structured products target sector-specific risks and opportunities. Integration with cash management increases client stickiness and cross-sell potential.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCore tasks: origination, valuation, collections\u003c\/li\u003e\n\u003cli\u003eClient focus: SMEs\/corporates (99.9% of Italian firms, 2024)\u003c\/li\u003e\n\u003cli\u003eProducts: leasing, factoring, structured sector solutions\u003c\/li\u003e\n\u003cli\u003eIntegration: cash management for retention and cross-sell\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit-led growth: €86.5bn deposits, €73.8bn loans; CET1 13.2%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDeposit gathering and lending drive growth with customer deposits ~€86.5bn and loans net ~€73.8bn; mortgage, consumer and SME\/corporate lending are primary income sources. Risk frameworks sustain resilience (fully loaded CET1 13.2%, net NPE ~3.9%). Digital and advisory channels scale distribution (2.5m digital customers; \u0026gt;200 000 investment accounts; AUM low tens of billions in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer deposits\u003c\/td\u003e\n\u003ctd\u003e€86.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans (net)\u003c\/td\u003e\n\u003ctd\u003e€73.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFully loaded CET1\u003c\/td\u003e\n\u003ctd\u003e13.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet NPE ratio\u003c\/td\u003e\n\u003ctd\u003e3.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital customers\u003c\/td\u003e\n\u003ctd\u003e2.5m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment accounts\u003c\/td\u003e\n\u003ctd\u003e200 000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eLow tens of billions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe BPER Banca Business Model Canvas you’re previewing is the authentic deliverable, not a mockup—this visible content is taken directly from the final file. When you complete your purchase you’ll receive the same full document, formatted and editable. The delivered package includes the full Business Model Canvas in Word and Excel, ready to present or adapt to your needs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital base and liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRobust capital base with CET1 around 13% in 2024 and MREL coverage above 30% support growth and loss absorption; diversified wholesale and retail funding reduces concentration risk.\u003c\/p\u003e\n\u003cp\u003eLiquidity buffers and LCR above 150% plus access to ECB facilities ensure short-term stability; treasury actively hedges rate gaps and manages ALM to protect margins.\u003c\/p\u003e\n\u003cp\u003eSolid ratings and investor confidence have compressed funding spreads, lowering average cost of debt in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch network and physical infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBPER Banca’s nationwide footprint, with around 1,400 branches in 2024, supports sales, service and strong community presence across Italy. Regional hubs and advisory centres handle complex corporate and wealth-management needs through specialist teams. A network of ATMs and smart branches extends reach cost-effectively, shifting routine transactions off counters. Active real estate and facilities management reduces costs and optimises branch performance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital platforms and data assets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore banking, mobile apps and centralized data lakes enable seamless omnichannel services for BPER Banca, supporting over 3 million customers and processing millions of transactions monthly. APIs knit internal systems with partner platforms for open banking and fintech integrations. Advanced analytics models drive credit scoring, dynamic pricing and personalization, while robust cybersecurity and SOC controls protect data integrity and regulatory compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand, licenses, and regulatory credentials\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBanking licenses and supervisory approvals from the Bank of Italy and ECB enable BPER Banca to offer retail, corporate and investment services across Italy as one of the country's largest banking groups. A trusted brand supports customer acquisition and retention, while a compliance track record preserves market access; EU deposit protection up to €100,000 and strong transparency practices bolster reputation.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003elicenses: Bank of Italy, ECB supervision\u003c\/li\u003e\n\u003cli\u003edeposit protection: €100,000\u003c\/li\u003e\n\u003cli\u003eposition: one of Italy's largest banking groups\u003c\/li\u003e\n\u003cli\u003estrengths: brand trust, compliance, consumer transparency\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman talent and partner ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRelationship managers, risk experts and technologists at BPER Banca drive advisory and credit decisions, supporting a balance sheet of about €115bn in 2024; continuous training sustains advisory quality and regulatory compliance while vendor and partner networks extend product and digital capabilities.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRM + risk + tech\u003c\/li\u003e\n\u003cli\u003eContinuous training = compliance\u003c\/li\u003e\n\u003cli\u003ePartner network extends reach\u003c\/li\u003e\n\u003cli\u003eCulture\/incentives → customer outcomes\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCET1 ~13% | MREL \u0026gt;30% | €115bn assets | LCR \u0026gt;150% | 1,400 branches, 3M+ customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBPER Banca’s key resources combine a CET1 ~13% and MREL \u0026gt;30% (2024) with €115bn balance sheet, strong liquidity (LCR \u0026gt;150%), and diversified funding; ~1,400 branches, 3m+ customers and ATM\/smart-branch network sustain distribution. Core banking, mobile apps, APIs and centralized data lakes power omnichannel services, analytics-driven credit and personalization while skilled RMs, risk and tech teams secure operations and compliance.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e~13%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMREL\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;30%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~1,400\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e3M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003e€115bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;150%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUniversal banking in one place\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eComprehensive products span daily banking, credit, investments and insurance, enabling cross-sell across BPER Banca’s network of over 1,200 branches and serving more than 3 million customers in 2024. Customers reduce complexity by consolidating providers into one relationship, lowering friction and switching costs. Integrated digital and branch journeys accelerate decisions and fulfillment. One relationship delivers tailored solutions across life stages.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOmnichannel convenience delivers consistent experiences across branches, mobile, web and contact centers so customers can switch channels without friction. Digital onboarding with e-signature grants access in minutes, while 24\/7 self-service complements expert human support for complex needs. With Italy smartphone penetration at about 86% in 2024, mobile-first access drives uptake as customers choose the channel that fits the moment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCompetitive pricing and transparent terms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eValue-based pricing across deposits, loans and services lets BPER Banca align margins with customer value while serving ~5 million clients in Italy and operating in a market with €1.9 trillion household deposits (2024). Clear fee and rate disclosures build trust and reduce churn. Bundles and loyalty benefits reward tenure, and data-driven offers use transaction analytics to deliver fair, personalized outcomes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized advice and wealth solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eGoal-based planning aligns client portfolios with risk tolerance and timelines, ensuring investment frameworks remain tied to financial objectives and life stages. Curated funds and expanded ESG options increase diversification and sustainable choice for retail and private clients. Regular reviews, real-time alerts and dedicated advisors deliver continuity and proactive rebalancing to keep strategies on track.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eGoal-based alignment\u003c\/li\u003e\n\u003cli\u003eCurated funds + ESG\u003c\/li\u003e\n\u003cli\u003eRegular reviews \u0026amp; alerts\u003c\/li\u003e\n\u003cli\u003eDedicated advisor continuity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME growth and cash-flow support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBPER Banca supports SME growth with working capital, leasing and factoring to cover operational needs, while sector expertise sharpens underwriting and guidance; integrated payments and cash management streamline liquidity and collections, and fast credit decisions let firms seize market opportunities. SMEs represent 99.8% of EU businesses, underscoring tailored SME finance.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eWorking capital, leasing, factoring: operational liquidity\u003c\/li\u003e\n\u003cli\u003eSector expertise: improved underwriting \u0026amp; guidance\u003c\/li\u003e\n\u003cli\u003eIntegrated payments \u0026amp; cash management: efficiency\u003c\/li\u003e\n\u003cli\u003eFast credit decisions: seize opportunities\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel banking: mobile-first onboarding, \u003cstrong\u003e3M+\u003c\/strong\u003e clients, 1,200+ branches\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBPER Banca delivers integrated retail, SME and wealth solutions via 1,200+ branches and 3M+ customers (2024), combining omnichannel access, goal-based advice, value pricing and fast SME credit to lower friction and boost retention. Mobile-first digital onboarding (86% smartphone penetration, Italy 2024) and €1.9T household deposits market context underpin cross-sell and scale.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e1,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e3M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile penetration\u003c\/td\u003e\n\u003ctd\u003e86%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHousehold deposits (IT)\u003c\/td\u003e\n\u003ctd\u003e€1.9T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME share (EU)\u003c\/td\u003e\n\u003ctd\u003e99.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated relationship management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDedicated relationship management assigns named bankers for SMEs, corporates and affluent clients, leveraging BPER Banca’s network of about 17,000 employees to ensure coverage. Proactive outreach targets credit, treasury and investment needs, supported by quarterly reviews that realign solutions to client goals. Clear escalation paths and SLAs drive timely resolution across the group.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital self-service and automation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eClients complete payments, onboarding and servicing via app and web, with BPER reporting about 2.8 million digital customers in 2024 and roughly 65% of routine transactions handled digitally. Smart nudges and chat support resolve many queries—chatbots manage an estimated 60% of basic interactions—reducing friction and escalations. Biometrics and strong authentication (fingerprint\/FaceID, OTP) secure access, with biometric logins representing about 45% of mobile sessions. Back-office automation cut onboarding times by ~40% and lowered error rates, shortening wait times and improving efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLifecycle onboarding and retention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSegment-specific onboarding journeys tailor setup and education for retail, SME and corporate clients, reducing time-to-first-product and improving activation rates; BPER reported a 15% faster digital onboarding in 2024. Cross-sell triggered by life events raised product penetration by 12% year-on-year. Loyalty programs reward tenure and usage with tiered benefits; churn analytics cut attrition by 9% through targeted retention campaigns.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial education and insights\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFinancial education on budgeting, investing and risk builds client confidence; tools and simulators clarify choices; timely 2024 market updates guide portfolio adjustments; workshops and webinars increase engagement and retention.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eeducation\u003c\/li\u003e\n\u003cli\u003etools\u003c\/li\u003e\n\u003cli\u003emarket-updates-2024\u003c\/li\u003e\n\u003cli\u003eworkshops-webinars\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eService recovery and feedback loops\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs of 2024 BPER Banca leverages NPS and targeted surveys to pinpoint satisfaction drivers and inform service recovery actions; survey cadence aligns with quarterly performance reviews. Root-cause fixes for recurring issues are tracked through incident logs and corrective action plans, reducing repeat complaints. Clear SLAs and real-time tracking dashboards promote transparency, while complaint handling feeds continuous improvement loops across operations and product teams.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNPS and quarterly surveys capture drivers\u003c\/li\u003e\n\u003cli\u003eRoot-cause fixes target recurring issues\u003c\/li\u003e\n\u003cli\u003eClear SLAs + tracking ensure transparency\u003c\/li\u003e\n\u003cli\u003eComplaint handling drives continuous improvement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated RMs, \u003cstrong\u003e2.8M\u003c\/strong\u003e digital users; ~65% transactions digital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated relationship managers for SMEs, corporates and affluent clients; ~17,000 staff ensure coverage. 2.8M digital customers in 2024; ~65% of routine transactions digital; biometric logins ~45%; chatbots handle ~60% of basic queries. 15% faster digital onboarding in 2024; product penetration +12% YoY; churn down 9% via targeted retention.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e~17,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital customers\u003c\/td\u003e\n\u003ctd\u003e2.8M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital transaction share\u003c\/td\u003e\n\u003ctd\u003e~65%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBiometric logins\u003c\/td\u003e\n\u003ctd\u003e~45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChatbot basic handling\u003c\/td\u003e\n\u003ctd\u003e~60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFaster onboarding\u003c\/td\u003e\n\u003ctd\u003e+15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProduct penetration YoY\u003c\/td\u003e\n\u003ctd\u003e+12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn reduction\u003c\/td\u003e\n\u003ctd\u003e-9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch network and advisory centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBPER Banca’s branch network (≈1,200 branches) handles complex sales, cash operations and local outreach while advisory centers—staffed by mortgage, investment and SME advisors—manage tailored lending and portfolio services; events and seminars (hundreds annually) boost community presence and extended hours improve accessibility across urban and rural markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile banking app\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMobile banking app is BPER Banca’s primary channel for daily banking and alerts, covering payments, personal financial management, and card controls. In-app chat and video advice link customers to experts for advisory and service escalation. Push notifications drive engagement, aligning with industry data showing around 20% higher action rates versus email.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline banking and website\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBPER Banca offers full-service desktop access for account management and credit applications, serving over 2.7 million digital customers as of 2024 and supporting high-volume transactions 24\/7. An integrated knowledge base and financial calculators (loan, NPV) help decision-making with real-time rates and retail product comparisons. Secure messaging and a document vault streamline onboarding and compliance workflows, reducing processing times. The web platform meets WCAG 2.1 AA accessibility standards to widen reach.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eContact center and remote advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003ePhone, chat and video handle sales and service with skilled agents routing complex cases to specialists; BPER Banca reported serving over 3.7 million retail customers in 2024 while expanding remote advisory capacity.\u003c\/p\u003e\n\u003cp\u003eExtended availability aligns with customer schedules, and call recording plus QA programs—covering 100% of sampled interactions—drive measurable quality improvements.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eChannels: phone, chat, video\u003c\/li\u003e\n\u003cli\u003eRouting: skilled agents → specialists\u003c\/li\u003e\n\u003cli\u003eAvailability: extended hours for customers\u003c\/li\u003e\n\u003cli\u003eQuality: recording and QA on sampled calls\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePartner and third-party platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMerchant POS, aggregator apps and open banking interfaces extend BPER Banca reach into SMB and e-commerce channels; in 2024 BPER reported about 3.1 million digital customers, accelerating platform adoption. Co-branded offerings with retailers and insurers tap new segments and boost fee income. Embedded finance and APIs enable services inside client workflows with consent-driven seamless data exchange.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMerchant POS\u003c\/li\u003e\n\u003cli\u003eAggregator apps\u003c\/li\u003e\n\u003cli\u003eCo-branded offers\u003c\/li\u003e\n\u003cli\u003eEmbedded finance\u003c\/li\u003e\n\u003cli\u003eAPIs with consent\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel bank: ~1,200 branches, mobile 3.1M, serving \u003cstrong\u003e3.7M\u003c\/strong\u003e users\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBPER Banca uses ~1,200 branches for complex sales and advisory centers, a mobile app (primary channel) supporting 3.1M digital users in 2024, full-feature desktop for 2.7M web users, and phone\/chat\/video with extended hours serving 3.7M retail customers; embedded finance, APIs and merchant POS expand SME\/e‑commerce reach while QA and call recording ensure service quality.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e≈1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile app\u003c\/td\u003e\n\u003ctd\u003e3.1M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWeb\/desktop\u003c\/td\u003e\n\u003ctd\u003e2.7M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail customers\u003c\/td\u003e\n\u003ctd\u003e3.7M total\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail mass market\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail mass market: individuals seeking everyday banking, savings and simple credit, where price sensitivity and convenience drive product choice. In 2024 over 70% of retail interactions shifted to digital channels while branches remain essential for complex needs and trust-building. Financial literacy programs (targeting low-engagement segments) have been shown to measurably increase cross-sell and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAffluent and private clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAffluent and private clients seek advisory, investments, and protection services, often with balances typically above €500k that require bespoke wealth planning and tax-aware, risk-managed portfolios.\u003c\/p\u003e\n\u003cp\u003eHigher balances and complex needs warrant tailored relationship management, discretionary mandates, and direct access to specialists in estate planning, tax and alternative investments.\u003c\/p\u003e\n\u003cp\u003eDiscretion, private-banking desks and multi-asset stewardship are key differentiators; BPER's private-banking model emphasizes compliance, reporting and personalized risk controls to preserve capital and optimize after-tax returns.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and medium enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs, which make up 99.9% of Italian firms and account for about 78% of employment (2024 ISTAT\/Eurostat), need working capital, payments, leasing and advisory services; cash‑flow variability demands flexible credit lines and receivables financing. Fast, local decision‑making—BPER’s SME lending ~€22bn (2023)—plus integrated e‑banking and accounting tools cuts administrative burden. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate and institutional clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCorporate and institutional clients demand structured finance, advanced cash management and access to markets, often across multiple entities and currencies; bespoke solutions and strict service-level agreements are essential. They expect sophisticated treasury and risk-management capabilities, including FX, liquidity and hedging advisory. BPER Banca positions relationship managers and centres of excellence to meet these needs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eStructured finance\u003c\/li\u003e\n\u003cli\u003eMulti-entity \/ multi-currency\u003c\/li\u003e\n\u003cli\u003eService-level rigor\u003c\/li\u003e\n\u003cli\u003eTreasury \u0026amp; risk sophistication\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic sector and non-profits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePublic sector and non-profits prioritize reliability, regulatory compliance, and tight cost control, driving demand for treasury, payments, and project finance solutions with strong SLAs and audit trails.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003c\/ul\u003e\n\u003cli\u003eCore needs: treasury, payments, project financing\u003c\/li\u003e\n\u003cli\u003eMust-haves: transparency, auditability\u003c\/li\u003e\n\u003cli\u003eDecision drivers: compliance, cost control, community impact\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital retail scale, bespoke wealth services, SME working capital, corporate treasury solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail mass market (70% digital interactions in 2024) demands low‑cost digital banking; affluent\/private clients (typical balances \u0026gt;€500k) need bespoke wealth, tax-aware advice; SMEs (99.9% firms, 78% employment) require working capital—BPER SME lending ~€22bn (2023); corporates\/public sector seek structured finance, treasury and strict SLAs.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metrics\u003c\/th\u003e\n\u003cth\u003ePrimary needs\u003c\/th\u003e\n\u003cth\u003eBPER role\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e70% digital (2024)\u003c\/td\u003e\n\u003ctd\u003eEveryday banking, credit\u003c\/td\u003e\n\u003ctd\u003eOmni‑channel\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;€500k avg\u003c\/td\u003e\n\u003ctd\u003eWealth, tax\u003c\/td\u003e\n\u003ctd\u003eAdvisory\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003e99.9% firms; €22bn lending\u003c\/td\u003e\n\u003ctd\u003eWC, leasing\u003c\/td\u003e\n\u003ctd\u003eLocal decisions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\/Public\u003c\/td\u003e\n\u003ctd\u003eMulticurrency needs\u003c\/td\u003e\n\u003ctd\u003eStructured finance, treasury\u003c\/td\u003e\n\u003ctd\u003eCOEs, SLAs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest expense and funding costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDeposit remuneration and wholesale funding drive BPER Banca’s core interest expense, with wholesale funding and customer deposits covering the majority of liabilities; rising market rates in 2024 (ECB policy rate near 4%) lifted funding costs and compressed margins through transfer pricing adjustments. Hedging programs reduced earnings volatility from rate swings, while mandatory liquidity buffers and HQLA holdings generated material opportunity costs against higher-yielding assets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and relationship management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel and relationship management drives major costs: salaries, incentives and ongoing training for bankers and specialists, with BPER Banca employing roughly 18,000 staff in 2024, concentrating spend on frontline sales and advisory roles. Workforce planning balances sales capacity and service coverage to optimize branch productivity and digital channels. Compliance, certification and AML training materially add to operating expenses. Talent retention programs protect client continuity and reduce turnover-related losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology, cybersecurity, and data\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore systems, cloud, licences and ongoing development drive multi-year IT spend, with data platforms typically requiring multi-million euro projects and cloud migration budgets; resilience commitments push availability targets to 99.99% and redundant infrastructure. Security operations and fraud prevention are continuous costs, often consuming ~10–15% of IT budgets. Analytics and data engineering need recurring investment to support real-time risk and client insights.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch operations and facilities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBranch operations and facilities drive recurring costs: rent, utilities, cash handling and maintenance, while equipment and ATM networks add capital and servicing expenses; optimization programs reshaped networks in 2024 to align footprint with customer demand.\u003c\/p\u003e\n\u003cp\u003eCompliance with health, safety and accessibility standards increases retrofit and operational spend, supported by targeted cost-efficiency measures and branch rationalization.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003c\/ul\u003e\n\u003cli\u003eRent, utilities, maintenance, cash handling\u003c\/li\u003e\n\u003cli\u003eATM and equipment capex and servicing\u003c\/li\u003e\n\u003cli\u003e2024 footprint optimization programs\u003c\/li\u003e\n\u003cli\u003eHealth, safety, accessibility compliance\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit losses, provisions, and compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eExpected credit loss provisioning at BPER Banca rose in 2024 to €220m as portfolio quality mixed; provisions fluctuate with segment-level risk and macro outlook. Collections and workout operations absorb staff, outsourcing and recovery fees, roughly 1.2% of operating costs in 2024. Regulatory reporting and audits remained recurring obligations; compliance spend was ~€45m in 2024. Insurance and legal expenses underpin risk control and totaled about €30m in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProvisioning: €220m (2024)\u003c\/li\u003e\n\u003cli\u003eCollections\/workout: ~1.2% of Opex (2024)\u003c\/li\u003e\n\u003cli\u003eRegulatory\/compliance: €45m (2024)\u003c\/li\u003e\n\u003cli\u003eInsurance\/legal: €30m (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRates near \u003cstrong\u003e4%\u003c\/strong\u003e compress margins; deposits, funding \u0026amp; \u003cstrong\u003e€220m\u003c\/strong\u003e provisions weigh\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDeposit remuneration and wholesale funding drove core interest costs as ECB rates approached 4% in 2024, compressing margins. Personnel costs for ~18,000 employees and compliance training were material, alongside multi-year IT\/cloud investments and branch rationalization. Provisions, collections and legal\/compliance fees added recurring charges affecting profitability.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eProvisions\u003c\/td\u003e\n\u003ctd\u003e€220m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e~18,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance spend\u003c\/td\u003e\n\u003ctd\u003e€45m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance\/legal\u003c\/td\u003e\n\u003ctd\u003e€30m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet interest income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income at BPER Banca relies on the spread between asset yields and funding costs, with 2024 NII reported at 2.4 billion euros, reflecting higher loan yields against stable deposit costs. Loan mix and repricing—retail mortgages versus corporate lending—pushed margins up as average loan yields rose, supporting net interest margin expansion. Balance sheet optimization, including targeted asset rotation and wholesale funding use, improved returns. Active interest rate risk management via hedging and duration control stabilized interest income through 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFees and commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAccount, payment and card fees supply diversified income for BPER, with net fee and commission income of about €1.27bn in 2023 supporting recurring revenue. Advisory, brokerage and custody services expand non-interest lines, while FX and trade services serve SMEs and corporates across Italy. Pricing is tiered to reflect service level and client value, contributing to fee margin stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth management and asset management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eManagement and performance fees from BPER Banca portfolios and funds generate stable, recurring income tied directly to assets under management, with growth in AUM in 2024 strengthening fee predictability. Distribution fees from third-party products add a scalable sales channel that boosts non-interest income per client. Recurring revenues scale with AUM expansion and market performance, while deeper advisory services enable higher-margin monetization through bespoke mandates and performance-linked charges.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance and protection products\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCommissions from life, non-life and credit protection sales provide a steady fee income stream for BPER, with bancassurance remaining the dominant channel for life business in Italy in 2024, accounting for the majority of new life premiums. Embedded offers raise attach rates, while risk coverage deepens client relationships; transparent claims handling sustains trust and reduces churn.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommissions: recurring fee income\u003c\/li\u003e\n\u003cli\u003eAttach rates: higher with embedded offers\u003c\/li\u003e\n\u003cli\u003eRetention: risk cover strengthens ties\u003c\/li\u003e\n\u003cli\u003eClaims: transparency preserves trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeasing, factoring, and specialized finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLeasing generates lease margins typically in the 150–300 basis points range, factoring delivers fees commonly around 0.5–2% of invoice value, and servicing income from portfolio management and collections adds recurring yield; cross-selling cash management products increases customer wallet share and fee penetration. Structured finance and bespoke solutions generate arrangement fees (often 0.2–1%) while risk-adjusted pricing preserves net returns.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003c\/ul\u003e\n\u003cli\u003elease margins: 150–300 bps\u003c\/li\u003e\n\u003cli\u003efactoring fees: 0.5–2% of invoices\u003c\/li\u003e\n\u003cli\u003earrangement fees: 0.2–1%\u003c\/li\u003e\n\u003cli\u003eservicing: recurring yield, enhances retention\u003c\/li\u003e\n\u003cli\u003ecross-sell: raises wallet share, improves fee income\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet interest income \u003cstrong\u003e€2.4bn\u003c\/strong\u003e in 2024; fees \u003cstrong\u003e€1.27bn\u003c\/strong\u003e; rising AUM and bancassurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income €2.4bn in 2024 driven by loan repricing and balance-sheet optimization; net fees €1.27bn in 2023 provide recurring income. AUM-related management fees rose with 2024 AUM growth, bancassurance remained the main channel for life premiums in 2024. Leasing margins 150–300 bps; factoring 0.5–2%; arrangement fees 0.2–1%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eRevenue stream\u003c\/th\u003e\n\u003cth\u003e2023\/24 figure\u003c\/th\u003e\n\u003cth\u003etypical margins\/fees\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e€2.4bn (2024)\u003c\/td\u003e\n\u003ctd\u003e—\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet fees \u0026amp; commissions\u003c\/td\u003e\n\u003ctd\u003e€1.27bn (2023)\u003c\/td\u003e\n\u003ctd\u003e—\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\/management fees\u003c\/td\u003e\n\u003ctd\u003e↑ in 2024\u003c\/td\u003e\n\u003ctd\u003eperformance-linked\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance commissions\u003c\/td\u003e\n\u003ctd\u003emajor channel (2024)\u003c\/td\u003e\n\u003ctd\u003erecurring\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLeasing \/ factoring \/ arrangement\u003c\/td\u003e\n\u003ctd\u003e—\u003c\/td\u003e\n\u003ctd\u003e150–300bps \/ 0.5–2% \/ 0.2–1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"PESTEL Analysis","offers":[{"title":"Default Title","offer_id":58097802805596,"sku":"bper-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/8127\/0620\/files\/bper-business-model-canvas.png?v=1781790030","url":"https:\/\/pestel-analysis.com\/products\/bper-business-model-canvas","provider":"PESTEL ANALYSIS","version":"1.0","type":"link"}