Company Profile
Banca Sistema S.p.A. is a banking group organized around 2 areas of activity:
- factoring services (86.4% of income) for institutional, government and private clients;
- banking (13.6%): primarily sales of banking products, standard and specialized banking services (including unsecured loans and asset-backed loans) for individuals and small and medium-size enterprises (SMEs).
At the end of 2024, Banca Sistema S.p.A. managed EUR 3.8 billion of current deposits and EUR 2.8 billion of current loans.
- factoring services (86.4% of income) for institutional, government and private clients;
- banking (13.6%): primarily sales of banking products, standard and specialized banking services (including unsecured loans and asset-backed loans) for individuals and small and medium-size enterprises (SMEs).
At the end of 2024, Banca Sistema S.p.A. managed EUR 3.8 billion of current deposits and EUR 2.8 billion of current loans.
Source: Cofisem - Last Update: 2026-02-10
Key Executives
| Chief Executive Officer | |
| Chief Financial Officer |
Source: Cofisem - Last Update: 2026-02-10
Key Figures
| Millenium | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Net banking income | 160,543 | 121,231 | 103,531 | 105,928 | 107,954 |
| General operating costs | 84,162 | 74,665 | 70,081 | 59,762 | 61,164 |
| Gross Operating Income | 76,381 | 46,566 | 33,450 | 46,166 | 46,790 |
| Cost of risk | 7,463 | 4,659 | 7,746 | 12,963 | 12,333 |
| Operating profit | 68,918 | 41,907 | 25,704 | 33,203 | 34,457 |
| Equity-accounted companies contribution to income | 190 | -11 | 25 | -31 | 2 |
| Current profit before tax | 69,108 | 41,896 | 25,729 | 33,172 | 34,459 |
| Net income | 44,922 | 26,522 | 17,227 | 22,490 | 23,523 |
| Net income (Group share) | 42,341 | 25,199 | 16,506 | 22,034 | 23,251 |
| Fiscal year end | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Length of fiscal year (month) | 12 | 12 | 12 | 12 | 12 |
| Currency & Unit | EUR - thousands | EUR - thousands | EUR - thousands | EUR - thousands | EUR - thousands |
| Account Standards | IFRS | IFRS | IFRS | IFRS | IFRS |
Source: Cofisem - Last Update: 2026-02-10
Shareholder information
| Free float | |
| SGBS S.r.l. | |
| Fondazione Cassa di Risparmio di Alessandria | |
| Fondazione Sicilia | |
| Fondazione Cassa di Risparmio di Cuneo | |
| Garbifin S.r.l. | |
| Treasury shares |
Source: Cofisem - Last Update: 2026-02-10
Address
Banca Sistema S.p.A.
Largo Augusto 1/A, ang., Via Verziere 13
IT-20122 Milano
Italy
Phone number: +39 (0)2 802801
Fax: +39 (0)2 72093979
https://bancasistema.it/
Source: Cofisem - Last Update: 2026-02-10
Contact
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