On 29 April, the ordinary meeting of Banca Macerata shareholders was held at the company headquarters for the approval, among other things, of the 2023 financial statements, which closed with a gross profit beyond €3 million and net of €2.1 million. At the same time, the meeting approved the distribution of a dividend equal to 1.41% of the share capital. The meeting saw a large participation of the shareholders (72.01% of the share capital was present) with the usual intervention of the Honorary President and founder of the Bank, Loris Tartuferi, who welcomed all the shareholders.
The President, Ferdinando Cavallini expresses great satisfaction with the results achieved in terms of operating volumes, profitability, capital ratios and credit quality. The Bank is healthy – continues the President – and also in these first months of 2024 it is recording important results. Then Cavallini outlines the future which sees significant developments in Banca Macerata, including the decision to request the Bank of Italy to open a branch in Ancona, which gives a sense of the role that Banca Macerata intends to assume in the regional banking market.
Goes into detail about the financial statement results General manager, Toni Guardiani, who states that in the year 2023, Banca Macerata has continued its path of growth and affirmation, in line with the set objectives. Above all, as at 31 December 2023, the excellent performances in terms of direct funding (+11.6%), indirect funding (+13.14%) and loans (+8.9%) stand out, in contrast with the results of the Marche system. The loan quality indicators are also improving with a ratio between net impaired loans and net loans which stood at 1.61% (2.55% in 2022) and net bad loans at 0.78% (0. 93% in 2022), values that can be counted among the best in the system.
These data, which follow the equally positive ones for 2022, continues Guardians, increasingly demonstrate the pervasiveness of the Bank’s presence in the area of competence and the appreciation it enjoys. The profitability achieved in the two-year period 2022/2023 is also significant: the return for shareholders stood at an average of 8.47% per year, of which 2.12% was recognized as a dividend and 6.35% was allocated to strengthening the capital which will grow by over 3.6 million euros in 2023 and, overall in the two-year period, by over 5 million, reaching 47.9 million. Consequently, the CET 1 stands at 16.38% against 15.18% in 2022 and 14.58% in 2021.
The meeting also renewed the corporate bodies with the confirmation of the Presidents of the Board of Directors and the Board of Statutory Auditors, Ferdinando Cavallini and Umberto Massei and the appointment of a new Vice President, Michela Sopranzi, in place of Nando Ottavi who leaves the Body administrative, in which he had been present since the start of the Bank. Any other details on members of the Board and their CVs can be consulted on the bancamacerata.it website.
The Vice President, already responsible for ESG for the Bank, underlines the attention to the issue of sustainability with the launch of a specific program for the implementation and implementation of ESG factors in company policies. An activity plan has been defined which includes various interventions regarding energy efficiency, dematerialisation, valorisation of the territory, sponsorship of social events, ESG training, integration of ESG criteria in credit disbursement and investment processes, etc. In particular, Banca Macerata places itself with a natural propensity towards the theme of sustainability towards the community; the Institute’s corporate mission has always taken into consideration the link with the territory, with the aim of contributing to the prosperity of the local economic system.
The President closes with thanks to the outgoing councilors and with satisfaction for a new Council which he considers balanced, both in terms of professionalism, experience and gender. Regarding this last point, he underlines how the composition of the corporate bodies also fully implements the provisions that introduced equal representation between genders.
