OUR 2023

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Our commitment to listening, making thoughtful choices, and offering advice shows the care we have towards people, the community, and the environment. We feel part of the regions we serve, where we are rooted and where the future we build together each day begins. This close, caring approach is what truly sets us apart.

This is the story of how, in 2023, we contributed to the growth of our communities by working for the well-being of everyone.

Results

We continue to grow while remaining true to what we believe in

Read the Annual Financial Report Read the Consolidated Non-Financial Statement
871 €mln
Net result
(560 €mln in 2022)
24.6%
CET1 ratio
47.9 mld€
Net loans to Customers
65.2%
Economic value distributed

Care

To us, being a bank means addressing the needs of people, businesses, and communities in order to build lasting well-being together.

Discover our structure Discover our values
Almost
2.3 mln
Customers
more than
474 thousand
Cooperative Members
more than
12 thousand
Employees

Roots

We value our roots. We are close to the territory, actively participating in the life of the communities we represent.

Read our main financial results Discover our local contribution
67
Cooperative credit banks
(as at 31.12.2023)
1,480
Bank branches
307
Municipalities where we are the only bank
113 €bn
Overall funding

Listening

We believe that the true wealth of a community stems from the well-being of each individual. This belief sets us apart, as our growth strategy is shaped by ongoing dialogue with the world around us.

Our strategic plan 2023-2026 Discover our commitment to sustainability
Almost
6,000
completed questionnaires for the materiality matrix processing

Sustainable Growth

Every day marks is a step towards the future we envision. We invest in technology and innovation to deliver increasingly efficient services and to support projects that foster community growth while respecting the environment.

Explore the economic results Our contribution to sustainable development
8,220 €mln
Consolidated Equity
50 €bn
Total loans
42.5 €mln
in sponsorships and charitable donations
more than
21,500
initiatives supported in sponsorships and charitable donations
over
5 thousand
trees planted