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Structure of the Group

Since 1983 we have made major acquisitions and developed our corporate structure.

In 2019, after years of growth through a series of acquisitions, we started a process of consolidation to reorganise the corporate structure. Our goal is to integrate people and skills into one large group.


The entire Non Performing Loans structure consists of three companies:

  • Ifis Npl Investing: focuses on purchases and investments in impaired loan portfolios;
  • Ifis Npl Servicing: brings together our impaired debt management and recovery activities;
  • Revalea: strengthened the bank’s NPL business unit when it became part of the Banca Ifis Group on 31 October 2023.

Commercial and Corporate Banking

Our Central Affairs Department presides over the entire Corporate and Commercial Banking Area, which includes factoring, financial and equipment leasing, advisory services for corporate acquisitions, M&A and medium and long-term loans, with or without guarantee, for industrial investments and the purchase of tax credits.

A number of specialist companies has helped us to develop an important presence:

  • In financial services to pharmacies, through Banca Credifarma, with a percentage of ownership of 87.74%;
  • In the market for long-term rental of technology and capital goods, through Ifis Rental Services;
  • In Eastern Europe, through Ifis Finance Sp. z o.o., active in Poland, and Ifis Finance I.F.N. S.A., active in Romania, which offer business financing and, in particular, factoring services.

Salary backed loans

Finally, we are active in consumer credit with Capitalfin, which specialises in salary/pension backed loans.