Banking Business Model

The Business Plan of Unipol Banca provided for a program of initiatives along three lines: increase of core business revenues, optimisation of costs and separate management of non-performing loans or loans at risk of becoming non-performing (already implemented in late 2015).

Input capital

Business and technological know-how for the development of products.
Consolidated Network of partners in the integrated services chain.
Bank branches expansion. 263 bank branches.
Advanced software and applications. Positions of excellence, with the innovation in business tools, within the framework of the digitisation process.
Loan Disbursement. €125m outstanding loans relevant for ESG €4.6m for new social cooperatives
PRODUCT CONSTRUCTION DEVELOPMENT AND MANAGEMENT OF DISTRIBUTION CHANNELS CUSTOMERS: • Deposits • Bonds LOAN MANAGEMENT Creation of the Special Credit division for impared loan management SPECIAL CREDIT PORTFOLIO MANAGEMENT INTERBANK Employments Inflows LENDING INTERBANK FINANCE (Securities)
New products. 94 new products, services, initiatives and activities.
Benefits from the integrated network. 94.3% banking and insurance customer retention rate.
Efficient network in an integrated multichannel model. “My Unipol” mobile app
Sales process innovation. 11,956 online Customers.
Business instrument innovation. 42% of customers using home banking. 438,103 contracts signed with Advanced Digital Signature.
Customer satisfaction. 745 complaints management in 2017. 399 rejected complaints in 2017

Output capital