Understanding Banco di Desio e della Brianza Banking Services and Governance

Banco di Desio e della Brianza offers a range of banking services to cater to the diverse needs of its customers.

The bank provides current accounts, savings accounts, and time deposits, allowing customers to manage their finances effectively.

Banco di Desio e della Brianza's governance structure is designed to ensure the bank operates in a transparent and accountable manner.

The bank's board of directors is responsible for setting the overall strategy and direction of the bank, ensuring it remains focused on its core mission.

Banco di Desio e della Brianza's sales have been steadily increasing over the years, with a notable jump in 2023.

The bank's sales by activity show a significant growth in the bank segment, with sales reaching 562M in 2023, up from 430M in 2022 and 344M in 2020.

In terms of geographical breakdown, the bank's sales in Italy have been increasing as well, reaching 562M in 2023, with a notable jump from 449M in 2021.

Here's a breakdown of the bank's sales by activity in 2023:

Banco di Desio e della Brianza S.p.A. reported a significant increase in sales over the years, with a notable jump in 2023.

The bank's sales reached a record high of 562M in 2023, surpassing the 430M mark in 2022.

Breaking down the sales by activity, we can see that the bank's sales have been steadily increasing, with a significant jump in 2023.

Here's a breakdown of the bank's sales by activity:

It's worth noting that the bank's sales in Italy have also been on the rise, reaching 562M in 2023.

The geographical breakdown of sales shows that the bank's sales in Italy have been steadily increasing, with a significant jump in 2023.

In 2021, the bank's sales in Italy reached 449M, and in 2022, they increased to 456M.

The bank's sales in Italy have been consistently increasing over the years, with a notable jump in 2023.

The Banca di Desio e della Brianza offers a range of flexible loan options for its clients. They have a Mutuo Flextime, which allows you to change the loan duration based on market interest rates.

You can choose from a variety of loan types, including the Mutuo Tasso Fisso, which offers a fixed interest rate, and the Mutuo a Tasso Misto, which combines a fixed and variable interest rate. The Mutuo a Tasso Variabile has a variable interest rate, while the Mutuo Cap&Floor protects your loan from interest rate fluctuations.

The Banca di Desio e della Brianza also offers the Mutuo Desio Innova Casa, which is specifically designed for home purchases, construction, or renovation. You can use this loan to acquire a property, or to carry out repairs and restorations.

Their loan options are designed to be flexible and adaptable to your needs. The Banca di Desio e della Brianza allows you to change the loan duration based on market interest rates with the Mutuo Flextime. This means you can adjust your loan to suit your changing financial situation.

The Banca di Desio e della Brianza offers a Prestito Personale Flessibile, which allows you to borrow the total amount you need in a simple and flexible way. This loan is ideal for personal projects, such as buying furniture or a car, or for covering study expenses.

Banco di Desio e della Brianza has a total of 11 members on its Board of Directors, with a mix of experienced and younger individuals.

The Chairman position is held by two individuals: Agostino Gavazzi, who has been in the role since 2002, and Stefano Lado, whose tenure is unknown.

The Board of Directors includes several directors with varying levels of experience, with the youngest member being Valentina Maria C. Casella at 45 years old.

A list of the Board of Directors members can be found below:

Let's take a closer look at the governance and structure of the company.

The Banco di Desio e della Brianza S.p.A. has an impressive asset value of € 8,4 mld.

The Executive Committee at Banco di Desio e della Brianza S.p.A. is led by Alessandro Maria Decio, the 59-year-old Chief Executive Officer.

The Committee also includes Mauro Walter Colombo, who serves as the Director of Finance/CFO and has been in this role since April 26, 2016, at the age of 64.

Giorgio Besana is the Investor Relations Contact, but his age and start date are not specified.

Here is a summary of the Executive Committee members:

The Board of Directors at Banco di Desio e della Brianza S.p.A. is composed of 10 members, with two of them serving as Chairmen.

One of the Chairmen, Agostino Gavazzi, has been in the role since April 29, 2002, and is 79 years old.

The other Chairman, Stefano Lado, is 64 years old but the date of his appointment is unknown.

The Board Members include Tito Gavazzi, who is 48 years old and has been a member since April 28, 2014, and Graziella Bologna, who is 70 years old and also joined the Board on April 28, 2014.

There are also several other Board Members, including Valentina Maria C. Casella, who is 45 years old and was appointed on February 28, 2019.

Here is a list of the Board Members, including their ages and appointment dates where available:

The Administrateurs of Banco di Desio e della Brianza S.p.A. are responsible for overseeing the bank's operations and ensuring its success. They are a crucial part of the bank's governance structure.

One of the Administrateurs is Agostino Gavazzi, who has been the Chairman since April 29, 2002. He is 79 years old.

Another important Administrator is Stefano Lado, who is also a Chairman, but his tenure is unknown. He is 64 years old.

Tito Gavazzi is also an Administrator, and he has been serving as a Director/Board Member since April 28, 2014. He is 48 years old.

Here's a list of the Administrateurs:

These Administrateurs play a vital role in the bank's decision-making process and ensure its continued success.

Let's take a closer look at the governance and structure of the company. Banco di Desio e della Brianza S.p.A. has a clear group of companies under its umbrella.

The company's group includes Desio OBG SRL, a finance company that provides mortgage loan services.

Desio OBG SRL is based in Conegliano, Italy, and is part of Brianza Unione di Luigi Gavazzi & C. S.p.A.

Here are some key details about the companies in the group:

Desio OBG SRL is a significant part of the group, providing essential financial services to its clients.

Banco di Desio e della Brianza offers a wide range of banking services, including current accounts, savings accounts, and loan facilities.

Their current accounts are designed to meet the needs of individuals, businesses, and associations, with features such as debit cards, online banking, and mobile banking.

With online banking, you can easily manage your account, pay bills, and transfer funds 24/7.

Mobile banking allows you to check your account balance, pay bills, and transfer funds on the go.

Their loan facilities include personal loans, mortgages, and business loans, with competitive interest rates and flexible repayment terms.

Their personal loans can be used for various purposes, such as consolidating debt, financing a major purchase, or covering unexpected expenses.

Their mortgage loans offer competitive interest rates and flexible repayment terms, making homeownership more accessible.

Their business loans are designed to support the growth and development of small and medium-sized enterprises.

You can apply for their loan facilities online or by visiting one of their branches.

Their loan application process is straightforward and efficient, with a decision usually made within a few days.

Once you've applied, you can track the status of your loan application online or by contacting their customer service team.

In 2019, the Group achieved a net consolidated profit of 40.2 million euros, a 13.9% increase from the previous year.

The Group's intermediation margin was 389.8 million euros.

The total collection rose by 8% to 26.8 billion euros.

The volume of investments made to clients decreased by 0.5% to 9.6 billion euros.

The ratio of net impaired loans to net investments stood at 3.6% in 2019, down from 4.2% in 2018.

The Group's Common Equity Tier 1 (CET1) ratio was 12.97% in 2019, positioning the Banco among the most reliable banks in Italy.

Banco di Desio e della Brianza has a rich history dating back to 1909 when it was founded as Cassa Rurale di Desio by ingegner Egidio Gavazzi.

The bank's name changed to Banco di Desio in 1925, and it transformed into a society anonima, opening its first branch in Nova Milanese.

In 1967, the bank doubled its presence on the territory, reaching 21 branches, following the merger with Banca della Brianza di Carate Brianza.

The bank's growth continued, with over 600 employees and 29 branches in Lombardy by the late 1980s.

Here are some key milestones in the bank's history:

In the world of finance, news can spread quickly, and it's essential to stay informed. Banco di Desio e della Brianza S.p.A. made headlines on February 19th with the announcement of Desio CB IT0005634214 - Final Terms Series 5 Tap.

The Italian stock market, or Mib, was on the rise, with a significant increase on February 18th, reaching a high of 38,400. This was largely driven by the performance of Telecom Italia, which took the top spot.

On the same day, Banco BPM stood out as the top performer, with a strong showing in the market. The Mib continued its upward trend on February 17th, reaching 38,200, with Leonardo taking the lead.

Here's a summary of the top performers on February 18th:

As the market continues to evolve, it's crucial to stay up-to-date on the latest news and developments.

Banco Desio has a rich history that spans over a century. The bank was founded in 1909 by engineer Egidio Gavazzi as Cassa Rurale di Desio.

In 1925, the bank transformed into a society anonymous and opened its first branch in Nova Milanese. This marked the beginning of a significant expansion.

By 1967, the bank had doubled its presence in the region, reaching 21 branches, thanks to the incorporation of Banca della Brianza di Carate Brianza. This strategic move allowed the bank to strengthen its roots.

In the 1980s, the bank relocated to a new structure in via Rovagnati, Desio, and continued to grow, employing over 600 staff members with 29 branches in Lombardy. The bank's expansion was impressive.

Banco Desio went public in 1995, listing on the Milan Stock Exchange (Borsa Italia: BDB). This move enabled the bank to raise capital and invest in new initiatives.

In 1999, the bank acquired Anima, a company specializing in asset management, and opened its first branch in Tuscany, in Florence. This marked the bank's entry into a new region.

By 2005, Banco Desio had reached a milestone, opening its 100th branch in Piacenza. The bank's growth was steady and remarkable.

In 2007, Fides S.p.A., a company specializing in debt collection, joined the bank's group. This acquisition brought new expertise to the bank.

The bank celebrated its 100th anniversary in 2009, with 161 branches and 1,774 employees. This was a significant achievement.

By 2011, Banco Desio had become the 15th largest bank in Italy by capitalization, listed on the Italian Stock Exchange. The bank's reputation continued to grow.

In 2012, Tommaso Cartone took over as the bank's CEO. This marked a new era for the bank.

The bank continued to expand, with the acquisition of Banca Popolare di Spoleto in 2014. This move enabled the bank to reach a wider audience, with a network of 280 branches across ten regions.

In 2018, the bank merged with Banca Popolare di Spoleto, creating a stronger entity. The merger became effective in 2019.

In 2022, the bank acquired two business units from BPER Banca, including 48 branches from Banca Carige and 8 from Banco di Sardegna. This strategic move helped the bank to strengthen its presence in the market.

Banco di Desio e della Brianza has a significant ownership structure, with key stakeholders holding substantial percentages of the company's shares.

Brianza Unione di Luigi Gavazzi e Stefano Lado S.p.A. is the largest shareholder, owning 50.44% of the ordinary shares.

Avocetta S.p.A. holds an 8.20% stake in the company, while Stefano Lado, through various entities, owns a combined 7.53% of the ordinary shares.

A similar pattern is observed in the ownership of the company's saving shares, where Brianza Unione di Luigi Gavazzi e Stefano Lado S.p.A. holds a 44.69% stake.

Here's a breakdown of the top shareholders in the company:

These shareholders have a significant influence on the company's decision-making processes.

The Banco di Desio e della Brianza has had a successful year in 2019, with a net consolidated profit of 40.2 million euros, a 13.9% increase from the previous year. This growth is a testament to the bank's strong performance.

The bank's intermediation margin reached 389.8 million euros, a significant figure that indicates the bank's ability to facilitate transactions and generate revenue.

In 2019, the bank's overall collection rose by 8%, reaching 26.8 billion euros. This increase suggests that the bank's lending and collection activities are thriving. The bank's volume of investments towards its clients, however, decreased by 0.5% to 9.6 billion euros.

The bank's credit deterioration ratio improved from 4.2% in 2018 to 3.6% in 2019, indicating a reduction in non-performing loans. This is a positive development for the bank's financial health.

The bank's CET1 ratio, a key indicator of its financial stability, stood at 12.97% in 2019. This positions the Banco di Desio e della Brianza among the most reliable banks in the Italian banking sector.