Banking and Financial Services: 70%
Insurance Services: 20%
Asset Management: 10%

Top 3 Markets:
Italy: 65%
Germany: 15%
France: 10%

Credito Emiliano S.p.A. (CREDEM) generates the majority of its revenues from banking and financial services, which is typical for traditional banks. Insurance services and asset management complement the portfolio and provide diversification.

CREDEM's main market remains Italy, which is not surprising given its origins and strong local presence. Germany and France are significant markets in Europe where CREDEM is also active to expand its international reach.

Production: Mainly in Italy

Credito Emiliano S.p.A., also known as Credem, is an Italian bank and not a manufacturing company in the traditional sense. As a financial institution, Credem offers banking services and does not produce physical products.

The services and products offered by Credem, such as accounts, loans, and investment products, are mainly developed and offered in Italy, as the bank is headquartered there and conducts its main activities.

Strategy for Future Growth:

1. Digitization and Technology Transformation
2. Expansion of Customer Base in the Retail Segment
3. Sustainability Initiatives

Credito Emiliano S.p.A. is increasingly focusing on digitization and technology transformation to make its services more efficient and customer-friendly. This includes investments in digital platforms and mobile applications to facilitate access to banking services and enhance the customer experience.

Another key focus is on expanding the customer base, especially in the retail segment. The company plans to attract new customers and deepen existing customer relationships through targeted marketing strategies and tailored financial products.

In addition, Credito Emiliano is involved in sustainability initiatives to meet the growing demands for environmentally friendly and socially responsible business practices. This includes promoting green financing and integrating ESG criteria (Environmental, Social, Governance) into its business strategy.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

Credito Emiliano S.p.A. (BIT:CE) is a bank and not a production company that imports raw materials or materials. Banks generally do not import physical raw materials, but focus on financial services such as lending, asset management, and other banking-related services.

If it concerns investments in commodities through financial products or funds, this information may be found in the specific fund prospectuses or reports of the bank.

Return on Equity (ROE): 9.8% (2024)
Cost-Income Ratio: 58% (2024)
Market Share in Italy: approximately 2% (2024)

Credito Emiliano S.p.A., also known as Credem, has a moderate competitive advantage in the Italian banking landscape. The return on equity of 9.8% indicates that the company is able to achieve a solid return on its capital, pointing to an efficient use of its resources.

The company's cost efficiency, measured by the cost-income ratio of 58%, is relatively good compared to many other banks, suggesting that Credem effectively manages its operating costs. This is an important aspect that can give the company a competitive edge as it is able to operate more profitably.

However, the market share of approximately 2% in Italy is relatively small, meaning that Credem operates in a highly fragmented and competitive market. To further enhance its competitive advantage, the company could benefit from a stronger focus on digital transformation and customer experiences.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last year

The institutional investor share in Credito Emiliano S.p.A. is estimated to be around 45%. This demonstrates a strong confidence from institutional investors in the company.

No significant insider transactions were reported in 2025, indicating a stable internal assessment of the company's development. This stability can be seen as a positive signal for market participants.

Market share of Credito Emiliano S.p.A.: Estimated around 2% (2025)

Top 5-10 competitors by market share:

1. UniCredit S.p.A.: 15%
2. Intesa Sanpaolo S.p.A.: 14%
3. Banco BPM S.p.A.: 8%
4. BPER Banca S.p.A.: 6%
5. Mediobanca S.p.A.: 5%
6. UBI Banca S.p.A.: 4%
7. Credito Emiliano S.p.A.: 2%
8. Banca Monte dei Paschi di Siena S.p.A.: 2%
9. Banca Popolare di Sondrio S.p.A.: 1.5%
10. Banca Carige S.p.A.: 1%

Moat of Credito Emiliano S.p.A.:

Credito Emiliano S.p.A. has a moderate moat, mainly due to its strong regional presence and specialization in certain financial services. The focus on the local market and personalized customer service provides a competitive advantage over larger, less specialized banks.

However, some of the larger competitors, such as UniCredit and Intesa Sanpaolo, have significantly stronger moats. These stem from their extensive international presence, broader product portfolios, and larger economies of scale, allowing them to operate more cost-effectively and serve a wider range of customers.

Overall, while Credito Emiliano S.p.A. has specific strengths, the larger banks in Italy are often better positioned to secure long-term competitive advantages due to their size and resources.

Revenue growth: 4.8% (2024) Return on equity: 7.5% (2024) Common Equity Tier 1 (CET1) ratio: 13.2% (2024)

Credito Emiliano S.p.A. recorded a moderate revenue growth of 4.8% in 2024, indicating a stable business development. The return on equity of 7.5% shows that the company is able to efficiently utilize its equity base to generate profits.

The CET1 ratio of 13.2% suggests that the company is well capitalized and has a solid financial foundation to mitigate potential risks. This ratio is higher compared to many other banks in the European region, indicating a conservative financial policy.

Overall, the financial stability and moderate growth suggest that Credito Emiliano S.p.A. could be a solid investment, especially for investors who value stability and a conservative financial strategy. However, potential investors should also consider the macroeconomic conditions and specific market trends in Italy before making an investment decision.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

Credito Emiliano S.p.A. has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 4.2% for 2025 suggests an attractive payout compared to other banks.

The stability of dividend payments is supported by the company's solid financial performance and conservative risk management. Therefore, investors can expect a certain level of reliability regarding future payouts, as long as the economic conditions do not change drastically.