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With the new European legislation that was drafted in the wake of the banking crisis, it has become increasingly important to put yourself in the hands of a stable bank.

You have to choose whether to trust your Bank. How? By assessing its reliability.

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Why is the BPER Group reliable

The reliability of our Group is insured by three key points that set us apart: a solid level of capital, a high level of liquidity and a low risk profile.

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Solid level of capital

CET 1 (Common Equity Tier 1)

This is a measure of a bank's solidity. The higher this figure compared to the one assigned by the ECB, the more solid the bank. We are significantly above the minimum level required for 2018.

CET 1 Phased In for the BPER Group as at 30.06.2018
14.72 %
Minimum level required by the ECB for 2018
8.125 %

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High level of liquidity

Liquidity indicators provided under the legislation considerably higher than minimum required levels

Significant refinancing capacity with the ECB

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Low level of risk

Financial leverage
This indicator is used to assess a bank's risk profile. Our risk profile is one of the lowest in Italy.

6

,3%

Leverage phased in
al 30.06.2018

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Organic growth

1867

Founding of Banca Popolare di Modena

1994

Creation of the BPER Group

2001

Acquisition of commercial banks and financial product companies

2012

Established as a national bank

Present

Rationalisation and simplification

1867
1994
2001
2012
Present

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The BPER Group today

Since 2009 we have been involved in an important process of simplification and rationalisation.

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Commercial banks
12
4
Financial product companies
21
14

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Nationwide presence and strong connections with local areas

The Group's commercial banks
Number of Branches 30.06.2018
828
336
28
27

Total

1219

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The Bail-in

As of 1 January 2016, with the transposition of the new European directive (Bank Recovery and Resolution Directive), new rules were introduced in Italy and other EU member states with the aim of preventing and managing banking crises.

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