Banco di Desio e della Brianza S.p.A.
BDB.MI
Italian Stock Exchange13.84
EUR
-0.30
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Banco di Desio e della Brianza S.p.A.
BDB.MI
(Italian Stock Exchange)
Recent
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13.84
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ROIC.AI
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- Business
- Banco di Desio e della Brianza S.p.A. (BDB.MI) is an Italy-based regional bank providing commercial banking services, loans, deposits, and financial products to retail clients, small and medium-sized enterprises (SMEs), and families. Founded in 1909 and headquartered in Desio, Monza Brianza, the bank offers current and deposit accounts; financing products including mortgages, personal loans, salary-backed loans (CQS), pension-backed loans (CQP), delegation of payment, TFS advances, and financial leasing; insurance and social security services through bancassurance partnerships such as Italiana Assicurazioni and Reale Group; investment and savings products including funds, SICAVs, and asset management; debit and credit cards; internet, mobile, and electronic payment services; and wealth management solutions via private bankers and financial advisors. It operates primarily through a network of 276 branches across 11 regions in northern and central Italy as well as Sardinia, supported by 46 financial shops and 89 agencies for consumer credit subsidiaries Fides S.p.A. and Dynamica Retail S.p.A., which specialize in guaranteed and non-guaranteed consumer lending nationwide; the group manages total assets exceeding €18.6 billion, with customer loans of €12.1 billion (predominantly mortgages at €7.7 billion and consumer credit at €2.2 billion), direct deposits of €12.7 billion, and indirect funding including €10.2 billion in assets under management. Recent developments include the 2025 acquisitions of Dynamica Retail S.p.A. and Fides S.p.A. to bolster its consumer credit hub, purchase of 14 branches from Banca Popolare di Puglia e Basilicata and 48 from BPER Banca in 2023, sale of the merchant acquiring business to Worldline, acquisition of €101 million in salary-backed loan receivables in November 2024, a €200 million agreement with the European Investment Bank (EIB) signed in January 2025 to mobilize up to €400 million for SME innovation and digitalization (with an initial €60 million tranche), issuance of its first €40 million senior preferred Green Bond in October 2024 under a new Green Bond Framework aligned with ICMA principles and EU Taxonomy, and adherence to the UN Principles for Responsible Investment (PRI) in September 2024; these initiatives support strategic growth in high-return areas like wealth management, consumer lending market share, and ESG integration, while maintaining strong capital ratios (CET1 at 18.5%) and investment-grade ratings from agencies including S&P (BBB-/A-3) and Fitch.