Banca Popolare di Sondrio: Analisi di Mercato e Performances

Banca Popolare di Sondrio is a significant player in the Italian banking sector.

Established in 1866, the bank has a long history of serving the local community.

With a strong presence in the Lombardy region, Banca Popolare di Sondrio has a significant branch network and a wide range of financial products and services.

The bank's focus on customer satisfaction and its commitment to innovation have helped it to maintain a strong market position.

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The Banca Popolare di Sondrio was founded on March 4, 1871, in Sondrio, one of the first popular banks in Italy inspired by the cooperative credit movement.

It was established in a region with a unique economic landscape, where jobs were scattered among many small families, professionals, and businesses.

The bank's initial activity began with two branches: the central office in Sondrio and a branch in Morbegno.

Between 1881 and 1962, the bank expanded to 12 more branches in the valley, and by 1970, this number had grown to 18.

Prominent economists like Fabio Besta and Ezio Vanoni were among the bank's many members.

In 2017, the bank's leadership proposed a merger with another bank, but it was rejected by the Popolare di Sondrio, which chose to continue operating independently.

The bank then made a bid to acquire the Cassa di Risparmio di Cento, a bank with 47 branches in the provinces of Ferrara, Modena, Bologna, and Ravenna.

However, the European Central Bank blocked the acquisition due to concerns about the bank's deteriorated credits.

In 2020, the bank announced the sale of a portfolio of bad loans worth around €1 billion, and later that year, it sold an additional €500 million in deteriorated credits.

The bank's status changed on January 5, 2022, when it was transformed into a joint-stock company following a shareholder assembly decision on December 29, 2021.

Banca Popolare di Sondrio has a significant presence with over 372 filiali (branches) and 504 sportelli (cash machines) as of December 31, 2022.

The bank's capital social is approximately €1.360 billion, distributed among over 158,000 soci (shareholders), who are mostly also clients.

The bank's patrimonio netto (net worth) is around €3.387 billion as of 2022, with an utile d'esercizio (net profit) of €251 million in 2022.

Here's a breakdown of the bank's key statistics:

Banca Popolare di Sondrio has a group structure that includes its parent company, Banca Popolare di Sondrio, and several subsidiaries. These subsidiaries operate in various sectors, including banking, finance, and real estate.

The group's subsidiaries include Banca Popolare di Sondrio (SUISSE) SA, a Swiss bank with its headquarters in Lugano, and Factorit S.p.A., which specializes in factoring, credit collection, and related services. The group also has a real estate subsidiary called Sinergia Seconda S.r.l.

Here are some key subsidiaries of Banca Popolare di Sondrio:

The Banca Popolare di Sondrio group is a significant financial entity. It's composed of the capogruppo Banca Popolare di Sondrio, along with several subsidiaries.

One of the notable subsidiaries is Banca Popolare di Sondrio (SUISSE) SA, an institute of credit based in Lugano, Switzerland. This subsidiary operates under Swiss law.

The group also includes Factorit S.p.A., a company specializing in credit anticipation, factoring, and related services, based in Milan. This subsidiary plays a crucial role in the group's overall operations.

Another key subsidiary is Sinergia Seconda S.r.l., an immobiliare strumentale (instrumental real estate company) based in Milan. This subsidiary focuses on real estate-related activities.

The group's structure also includes Popso Covered Bond S.r.l., a vehicle for the issuance of covered bonds, based in Conegliano, Treviso province. This subsidiary is essential for the group's bond-issuance program.

Lastly, the group comprises Banca della Nuova Terra S.p.A., a company operating in the agricultural and agro-food sectors, as well as providing services to families and private individuals, based in Milan.

Banca Popolare di Sondrio has a unique model of doing business that has been a guiding principle for over 150 years. This model is a key part of their identity and approach to banking.

Their Consigliere delegato and Direttore generale, Mario Alberto Pedranzini, has emphasized the importance of this model in his statements. He has mentioned that it represents a "guida sicura" or safe guide for the bank's operations.

The bank's focus on growth, profitability, and attention to the territory, businesses, and families is a key aspect of their unique model. They aim to be integrated into the communities they serve.

This commitment to the local community is a core part of their approach to banking. By being integrated into the communities, they can better understand their needs and provide more effective services.

The PEA/PME market is a specific segment of the Italian stock market, listed on the Borsa Italiana. It's a closed market, with a fixed trading schedule.

The PEA/PME market is open for trading at 17:45:00 on February 5th, 2025. This is the scheduled time for trading to commence.

The PEA/PME market offers a 5-year variable price, which is currently at €8,905. This price is unchanged from the previous day, indicating no movement in the market.

The 1-year variable price for the PEA/PME market is not available, as it's marked as empty in the data. However, the 5-year variable price is a key indicator of the market's performance.

The 5-year variable price has increased by 9.40% compared to the previous year, indicating a positive trend in the market.

Banca Popolare di Sondrio has a new board of directors, elected for the triennium 2023-2025, consisting of Pedranzini Mario Alberto, Stoppani Lino Enrico, Zambelli Rossana, Stefini Silvia, and Malaguti Maria Chiara.

The bank's CEO, Mario Alberto Pedranzini, has been leading the institution since December 21, 2012, at the age of 74. He will oversee the nominations for social positions during the first meeting on May 9.

The bank's leadership includes several experienced directors, including Falck Federico Francesco Sergio, who has been a director since February 15, 2010, and Lino Enrico Stoppani, who has been a director since January 1, 1996.

Valorisation is a crucial aspect of any business, and Banca Popolare di Sondrio S.p.A. is no exception. The company's capitalisation has fluctuated over the years, with the highest recorded value being 45.42 Md.

The Price-to-Earnings Ratio (PER) is a key indicator of a company's value. In 2024, Banca Popolare di Sondrio S.p.A.'s PER is expected to be around 7.15x, while in 2025, it's expected to increase to 8.85x.

The company's market value has also been affected by the fluctuations in capitalisation. In 2024, the market value is expected to be around 2.38 times the company's capitalisation, while in 2025, it's expected to increase to 2.62 times.

One of the key factors that can affect a company's valorisation is its dividend policy. Banca Popolare di Sondrio S.p.A. has a history of paying dividends, with a projected dividend yield of 7.7% in 2024 and 6.82% in 2025.

Here's a summary of the company's valorisation metrics for 2024 and 2025:

The new Board of Directors (CdA) of Banca Popolare di Sondrio has been elected for the triennium 2023-2025. The members of the CdA are Mario Alberto Pedranzini, Lino Enrico Stoppani, Rossana Zambelli, Silvia Stefini, and Maria Chiara Malaguti.

Mario Alberto Pedranzini, the CEO, has expressed his confidence in the team and their ability to navigate the complex macroeconomic context. He has also thanked the outgoing consiglieri Paolo Biglioli, Cecilia Corradini, and Annalisa Rainoldi for their contributions.

The new CdA will meet for the first time on May 9th, where they will make nominations for social positions. The team will focus on developing new services and improving the quality of their offerings while expanding their physical presence in the territory.

Here is a list of the new CdA members:

Pedranzini has emphasized the importance of anticipating and meeting the targets outlined in the plan, while also being mindful of the challenges ahead.

In the past week, Banca Popolare di Sondrio S.P.A. saw a -1.49% decrease in its performance. Over the past six months, the bank has experienced a significant increase of 41.57%.

One of the notable banks in the "Banques - Autres" section is BANCA POPOLARE DI SONDRIO S.P.A. Here are its performance statistics over different time periods:

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Effective cash management helps businesses stay afloat during slow periods and take advantage of opportunities as they arise. It's also essential for making informed decisions about investments and resource allocation.

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In the past week, the market has seen a decline of -1.49% in performance.

The current month has shown a modest increase of -0.34%.

However, over the past month, the market has seen a significant surge of 11.17%.

Here's a breakdown of the market's performance over the past few months:

These numbers show a consistent upward trend, with the market performing well over the past few months.

According to analyst recommendations, the market is expected to grow by 15% in the next quarter.

Many analysts suggest diversifying your portfolio to minimize risk, citing the example of the 2008 financial crisis where diversified investors recovered faster.

A key factor in this growth is the increasing demand for sustainable products, which is expected to reach 30% of the market by 2025.

Analysts also recommend investing in emerging markets, particularly in countries with growing middle-class populations, such as India and Brazil.

The average return on investment for sustainable products is 12% higher than traditional products, making them an attractive option for investors.

Investors are advised to keep a close eye on market trends and adjust their portfolios accordingly, as seen in the 2019 market fluctuations where timely adjustments resulted in significant gains.