The Board of Directors of Cassa Centrale Banca has approved and presented to the top management of the affiliated banks and subsidiary companies the Group Strategic Plan 2026–2028 which defines the development priorities for the next three years and strengthens the Group’s commitment to sustainable growth.
IM•PATTO is the key to understanding the entire Plan: a renewed pact with affiliated banks, members, customers and territories and, at the same time, the desire to generate a conscious, measurable and lasting impact, not only economic-financial but also social and sustainable for the territories.
“The 2026–2028 Strategic Plan clearly defines the Group’s priorities and guides growth consistent with the values of cooperation, capable of generating economic and social value in the territories in which we are historically present” – declares Sandro Bolognesi, CEO of Cassa Centrale Banca – “Investments in innovation, people and processes strengthen our mutual model, allowing us to improve the quality of the service and to concretely accompany families, businesses and local communities in their development paths”.
Economic and financial projections at the end of 2028 for the affiliated banks of Calabria
The results achieved at the end of the 2025 financial year and the strategic guidelines underlying the Group Strategic Plan have made it possible to define the economic and financial projections which confirm the central role of the affiliated banks in serving local families and businesses. In particular, in Calabria there are 2 Cooperative Credit Banks of the Group in which 110 people currently work: Banca Centro Calabria and BCC Calabria Nord. The territorial presence is ensured by 20 branches, present in 17 Municipalities. In 5 Municipalities, the Group’s Cooperative Credit Banks represent the only banking presence, reconfirming the concrete commitment to proximity in building relationships with Members and Customers.
Performing credit exposure to customers is expected to grow constantly with a target of 439 million in 2028 (equal to an average annual change of +2.9%). Overall customer funding is expected to grow to 888 million at the end of 2028: direct funding to 751 million (+2.2%) while indirect funding is expected to increase to 137 million (+9.1%).
Priority directions of the Group Plan
For the three-year period 2026–2028, the Strategic Plan identifies the priority guidelines to guide the action of the Group Banks and translate the strategy into concrete results: • Business growth and development • Operational efficiency • People • Mutuality • Technology and artificial intelligence, with a significant commitment in the digital and technological field, and overall ICT investments of 300 million euros, to support the implementation of the transformation path and the evolution of processes and models service.
Economic-financial prospects and solidity of the Group
Constant growth in loans to Italian territory is expected with a 2028 target of 57 billion (+7.6% compared to 2025) and 30 billion in new disbursements to customers over the three-year period, with a net incidence of impaired credit limited to 0.9%.
Overall customer deposits are expected to grow to over 148 billion at the end of 2028 (+14%) with a strong boost from the indirect component up to 68 billion (+25%).
The ratio between loans to customers and direct funding remains conservative at around 68% over the course of the plan, confirming a situation of abundant structural liquidity.
At the income level, the interest margin is prudentially projected to grow moderately at the Banking Group level (+1.7%) in light of the current market context characterized by strong uncertainty.
The growing contribution of the commission margin is highlighted, linked to the strengthening of the offer of products and services, up to one billion at the end of 2028 with an average annual growth of 4.1% compared to 2025 values.
As a result of the aforementioned dynamics, the banking group’s banking margin will settle at higher levels than the current ones, reaching 3.5 billion (3.2 billion in 2025), with an operating result of 1.45 billion at the end of the Plan, which factors in the IT investment plan (300 million in the three-year period 2025 – 2028), the strengthening of the Group’s workforce, and prudent estimates of the expected inflation component.
The cost/income ratio at Group level is expected to remain stable at around 58%.
The trajectory of constant capital strengthening is confirmed with a Banking Group-wide objective of Common Equity Tier 1 (CET1) equal to 35.4%, a value at the top of the national and European banking system.
With IM•PATTO, Cassa Centrale Banca therefore defines a development path that translates the Group model into concrete strategic choices, aimed at supporting its solidity, the growth of the territories, and the creation of value over time for members, customers and communities.
The Cassa Centrale – Italian Cooperative Credit Group includes 65 BCC – Casse Rurali – Raiffeisenkassen and 1,501 branches throughout Italy, more than 12,500 thousand collaborators and 500 thousand Cooperative Members. With balance sheet assets of 94 billion euros, as of 31.12.2025, the Group is positioned among the top 10 at a national level.
In Calabria, the Group has 2 Cooperative Credit Banks (Banca Centro Calabria and BCC Calabria Nord) which together have 20 branches and employ 110 people. Direct collection exceeds 704 million, overall collection exceeds 809 million and loans exceed 417 million euros. Assets (CET1) exceed 75 million euros.