Figures and ratios - Banca Popolare di Milano

Transparency
Transparency, trust and fairness are the values underlying the relationship with our customers.
In this context, the Group continued its commitment to the initiatives promoted by the PattiChiari Consortium, both by getting involved
in such initiatives and by forming part of the restricted group of banks that will ensure their implementation. In 2010, having completed
the planning phase of the "Commitment to Quality" project with the start-up of the Automated Securities Dossier Transfer service, the
Consortium launched a rationalisation process designed to bring together and redefine individual initiatives to make them as transparent
and clear as possible for customers.
Since last September, with the inclusion of Banca Popolare di Mantova, all of the Group's regional banks have been taking part in the
initiatives promoted by the Consortium.
During the past year, also in accordance with the provisions of the Bank of Italy, we have implemented the following initiatives with
the objective of ensuring maximum transparency for our customers: the creation of an area dedicated to transparency on all websites
of all Group banks, a remake of the documentation according to a logic of greater completeness, comprehensibility and readability,
progressive enlargement of the European Payment Systems Directive (PSD) for standing orders, bank transfers and charge cards, which
established operating methods to provide customers with better protection.
As part of the consumer credit business launched
by ProFamily, a new Group company, at the
beginning of 2011 an exclusive agreement was
stipulated with Adiconsum, one of Italy's most
important consumer associations. This agreement
provides for an assessment of compliance by
ProFamily's contractual standards with the various
regulations that protect the rights of consumers
and users of financial services.
1. Casillo Group: thanks to its role as the largest private user of durum wheat in the world, it is one of the principal global market makers of wheat and milled products (bran and flour) obtained from
wheat. The Group is located in Corato Casillo in the province of Bari and has been a customer of BPM since 2007.
2. Alidaunia: this is the only company in Italy that operates scheduled flights by helicopter. It is based in Apulia. It provides a complete air navigation service: public transport for passengers and
cargo, humanitarian emergency/rescue flights, aerial work in its many applications. It is also a Certified Maintenance Company. It has been our customer since the '80s.
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