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Business model

Banca Ifis operates in the Italian banking world with a solid, highly specialised and diversified business model. We are positioned competitively in the factoring, leasing and NPL markets.

We are present in highly profitable businesses, where we have proven management skills and exclusive know-how, and where we are well established and recognised.

Our business model is solid, profitable and sustainable and is characterised by a high degree of specialisation and diversification:

  • Specialisation in financial services for businesses and the acquisition and management of non‑performing loans secures  a competitive advantage: we play a forefront role, thanks to a solid track record.
  • Diversification ensures stability, and allows one to reduce business risk.

The main aspects of the business model are covered below:

Business model

Innovation

Innovation

In product and service delivery. In technological infrastructure.

Rapidity

In response and execution.

Specialist areas

In highly profitable product and market segments.

Flexibility

In listening to customers and in customer service. In investment and divestment decisions.

Generation of sustainable profit, self-financing, growth and, at the same time, distribution of attractive dividends.

Our goal is to continuously improve, leveraging technology to provide a cutting-edge, innovative service and to be competitive in our markets.

It is important for us to support the local community with projects and actions that offer real and sustainable value, to be shared with all stakeholders.

Our Value Creation

Value for the enterprise and territories

We support SME growth through access to financial services and their integration into value markets and chains.

Value for the environment

We promote efficient use of resources, using renewable energy and sustainable mobility, also through specific finance products and programs to help businesses growth.

Value for people and the community

We promote people inclusion and engagement and create value in the territories we operate in through projects dedicated to business culture, sustaining inclusive, sustainable industrialisation.

Our commitment for sustainability

Find out more

Thanks to the strategic initiatives implemented and our investments, we ended 2023 exceeding the targets in our 2022-2024 D.O.E.S. business plan with a profit of EUR 160 million.

Digital innovation for business

Find out more

Competitive positioning

Commercial and corporate banking

We started out as an operator specialised in factoring and we are a strong leader in services for small and medium enterprises, to whom we offer tailor-made solutions.

We are one of the top factoring operators in Italy in terms of turnover, with a market share of 4.2%1, and we hold a market share of 4.1% in leasing2.

We are a leader in the segment of car leasing. We also specialised in advisory services for corporate acquisitions, M&A and medium and long-term loans, with or without guarantee, for industrial investments.

We have a division entirely dedicated to tax credits business, with an important presence in the finance sector  for pharmacies, through the company Banca Credifarma, and we manage the advance payment of invoices to the Public Administration.

We have accrued specific expertise in recognising the creditworthiness of SMEs, which makes us the market’s benchmark company. We currently total about 100,000 business customers.

To find out more, visit the page Banking services for  business and individuals.

1 Source: Assifact: preliminary data as at December 2023 and Banca Ifis management control findings (Italy scope).
2 Market share calculated based on cumulative data to December 2023 in the market segments in which the Bank operates.

NPL

The Banca Ifis Group is one of the leading specialised players in the Italian non-performing loans sector, with a proprietary portfolio of 20 billion Euro (GBV) as at 31/12/2023 on Ifis Npl Investing and 6,1 billion Euro on Revalea at the end of 2023.

Banca Ifis operates as primary investor and proprietor of one of the best servicers today operating nationwide, uniquely combining a capacity to acquire and manage Npl portfolios, with an ethical collection model aiming at ensuring the financial re-inclusion of families and businesses.

Our main competitive advantage stems precisely from the combination of capacity to purchase and manage NPL portfolios.

To find out more, visit the Impaired Loan Management page.

Company

Market share*

Intesa Sanpaolo

27%

Unicredit Factoring

19%

Ifitalia

11%

Factorit

6%

Banca Ifis

5%

Mbfacta

4%

Fidis

3%

BPER Factor

3%

Crédit Agricole Factoring

3%

SG Factoring

3%

*Source: turnover as at December 2023 – Assifact OSSFIN

Company

Market share*

Unicredit Leasing S.p.A.

14%

Intesa Sanpaolo Group

13%

BNP Paribas Leasing Solution S.p.A.

8%

Alba Leasing S.p.A.

7%

Iccrea BancaImpresa group

6%

UBI Leasing S.p.A.

6%

SGEF Leasing

6%

MPS Leasing e Factoring S.p.A.

5%

Sardaleasing S.p.A.

4%

Credemleasing S.p.A.

4%

Crédit Agricole Leasing Italia S.r.l.

3%

SelmaBipiemme Leasing S.p.A.

2%

Banca Ifis Group

2%

DLL Group

1%

*Source: Outstanding value – ASSILEA Report – To Lease 2022

Company

NPLs AuM (€bn) 

doValue

68

Cerved Credit Management

46

Intrum Italia

41

Prelios Credit Servicing

40

Amco

35

Banca Ifis (Ifis Npl Servicing)

22

Gardant 

21

*Source: Estimate of the Banca Ifis Research Office as at 31 December 2023