We put customers at the centre of our attention and we work to create and develop long-lasting relationships based on trust and mutual satisfaction, offering products and services that meet their needs, in line with their individual risk profile.

from the Banco BPM Group’s Code of Ethics

Listening to people and businesses and a careful complaint management system represent an essential tool for gaining a deeper understanding of needs, and monitoring and improving our relationship with our clients.

This relationship consists of:

• a commercial model that ensures local proximity, a high level of service and complementarity between physical and digital channels;
• financial products that meet various needs, as well as non-financial services and initiatives that reflect the interests of the territory;
• sustainable credit management that combines corporate objectives with risk control, as well as measures to support individuals and businesses experiencing temporary difficulties but which remain financially sound and have positive economic prospects.

To provide a high-quality service to all customers, Banca Aletti, the Group’s private banking specialist, has established a dedicated unit to support the entire network and provide advanced advisory services tailored to individual needs.

Among the investment opportunities we offer, particular attention is paid to financial products managed according to ESG criteria, covering environmental, social and governance factors, which can help direct savings towards activities that also generate positive impacts on society.

We accompany the growth of our companies also through the support of Banca Akros, the Group’s Corporate and Investment Bank.
In line with the growing importance of offering a range of digital services, in 2024, Banco BPM continued its integration of new cutting-edge channels, with both information and order functions, addressed to companies that work with or intend to work with firms abroad:

• YouWorld is an information platform that enables companies to access comprehensive, constantly updated information on foreign trade and references of potential foreign suppliers or buyers;
• YouTrade Finance allows goods operations to be managed electronically, simplifying and optimising the bank-customer relationship and ensuring maximum security through guided procedures.

We believe it is essential to accompany the growth of companies also with training courses capable of encouraging the development of technical-managerial skills capable of increasing their competitiveness and the ability to manage risks, seizing market opportunities and overcoming periods of crisis.

The claim ‘Always close, even online’ sums up our relational approach to meet the new needs of customers and characterises the advertising campaign dedicated to digital transformation through storytelling, which will tell the story of the innovations towards a fully digital bank.