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. 269 bank branches.
Advanced software and applications. Positions of excellence, with the innovation in business tools, within the framework of the digitisation process.
Loan Disbursement. € 134 mln loans valid for ESG purposes. € 4.4 mln 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. 128 new products, services, initiatives and activities.
Benefits from the integrated network. 93.2% banking and insurance customer retention rate.
Efficient network in an integrated multichannel model. My Unipol Banca e app “My” app for mobile devices.
Sales process innovation. 9,213 customers online.
Business instrument innovation. 40% of customers using home banking. 49,345 contracts signed with Advanced Digital Signature.
Customer satisfaction. 846 complaints management in 2016. 478  rejected complaint in 2016

Output capital