(Finance) – The Board of Directors of Iccrea Banca approved the financial statements project and the consolidated group budget at 31 December 2024, confirming the preliminary results communicated on February 12, 2025. In addition, he examined the group targets for 2027: theExtension to 2027 of the current plan reflects the Rolling strategic planning approach adopted by the group, as well as the need to consider the changed macroeconomic and financial conditions. In addition, this extension takes into account the results obtained in 2024, during which the main objectives set for 2026 were substantially achieved.
The group expects net jobs Customer to 97.6 billion euros (CAGR 24-27: +1.4%, supported by approximately 46 billion of new disbursements), a direct collection from customers to 146.2 billion euros (CAGR 24-27: +2.1%), indirect collection to 85.1 billion euros (Cagr 24-27: +6.5%, growing 14.7 billion in the arc, drag. by the growth of qualified collection).
A Transformation and digital adoption plan With the aim of strengthening the Omnichannel proposal, improving the distribution and interaction processes with members and customers, with about 850 million investments in the three -year period, of which 300 million euros in IT.
On the financial front there are: Margin of interest at 3.9 billion euros (CAGR 24-27: -3.5%), Net commissions to 1.6 billion euros (CAGR 24-27: +4.2%), intermediation margin for 5.6 billion euros (Cagr 24-27: -2.0%), cost/income at 60.5%, ROE 7.3%, Roa at 0.8%. An additional improvement in the quality indicators of the assets was expected, with gross Npl Ratio at 2.7% and Npl Ratio net: 0.9%
“Growth, credit quality, innovation, sustainability and inclusion: these are the routes of our industrial plan to 2027 – commented on the General Manager Mauro Pastore – We have a challenging path in front but we are aware of having all the resources to achieve the objectives, as we have already done in recent years. We want to effectively diversify our offer, in order to increase levers to be more and more protagonists of the development of the territories in which our BCCs are present. Ours is a project of continuous growth with a strong attention to solidity, with the aim of reaching 27.1% of CET1, to the quality of the assets, with a net Npl ratio that aims at 0.9%, and to our technological infrastructures, with investments for 300 million euros “.