Banca Ifis Logo 40

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

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.

Thanks to the strategic initiatives implemented and our investments, we ended 2022 exceeding the targets in our 2022-2024 D.O.E.S. business plan with a profit of EUR 141.1 million.

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 4.8%, and we hold a market share of 3.9% in leasing1.

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: Outstanding value – ASSILEA Report – To LEASE 2022

NPL

We are the sixth operator1 in terms of assets under management with 25.4 billion euros of assets under management2. We are the leader in unsecured bad loans.

We operate as a primary investor and own one of the best active servicers nationwide, with proprietary and third-party debt collection management platforms. Our main competitive advantage stems precisely from the combination of capacity to purchase and manage NPL portfolios and a proprietary database numbering more than 1.5 million debtors.

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

1 Source: Market Watch Npl February 2023 of the Banca Ifis Study Office.
2 At 31 December 2022

Company

Market share*

Intesa Sanpaolo

26%

Unicredit Factoring

22%

Ifitalia

11%

Factorit

6%

Banca Ifis

5%

Mbfacta

4%

Fidis

3%

BPER Factor

3%

Agricole Eurofactor

3%

Mps L&F

3%

*Source: turnover as at December 2022 – Assifact OSSFIN

Company

Market share*

Unicredit Leasing S.p.A.

15%

Gruppo Intesa Sanpaolo

13%

BNP Paribas Leasing Solution S.p.A.

9%

Alba Leasing S.p.A.

7%

Gruppo Iccrea BancaImpresa

7%

UBI Leasing S.p.A.

6%

SGEF Leasing

5%

MPS Leasing e Factoring S.p.A.

4%

BPER Leasing - SARDALEASING

4%

Credemleasing S.p.A.

4%

Crédit Agricole Leasing Italia S.r.l.

3%

SelmaBipiemme Leasing S.p.A.

2%

DLL Group

2%

Banca Ifis Group

2%

*Source: Outstanding value – ASSILEA Report – To Lease 2021

Company

NPLs AuM (€bn) 

doValue

79

Intrum Italia

53

Cerved Credit Management

45

AMCO

37

Prelios Credit Servicing

37

Banca Ifis (Ifis Npl Servicing)

26

Gardant 

23

*Source: Estimate of the Banca Ifis Research Office as at 31 December 2022 based on the NPL Market Watch of February 2023