Credito Emiliano S p A : Consolidated Financial Statements at 31/12/2023

FINANCIAL STATEMENTS 2023

Financial Statement 2023

Credito Emiliano Spa

Credito Emiliano Banking Group - Credem 3032 - Joint stock company

Registered Office and Headquarters:

Via Emilia San Pietro No. 4 - 42100 Reggio Emilia Fully paid-up share capital € 341,320,065

Taxpayer's Code 01806740153 - VAT Number 02823390352 ABI Code 03032

Bank enrolled in the Banking Register under No. 5350

Bank enrolled in the Banking Group Register under No. 03032 Member of the Interbank Deposit Protection Fund

Tel. [phone] - Telefax [phone] - Telex BACDIR 530658 - Swift Code BACRIT22

Website: www.credem.it

CONTENTS

Governing and Control Bodies

7

CONSOLIDATED FINANCIAL

STATEMENTS

Report on Operations	11
Consolidated financial statements as at 31	78
December 2023
Explanatory Notes to the Financial Statements	92
Attachments to the Financial Statements	426
Certification by the Chairman and the Manager	438
responsible for preparing the company's financial
reports
Independent Auditor's Report	442

CONSOLIDATED FINANCIAL STATEMENTS 5

CONSOLIDATED FINANCIAL STATEMENTS

6

GOVERNING AND CONTROL BODIES

BOARD OF DIRECTORS

Chairman	Lucio Igino Zanon di Valgiurata
Vice-Chairmen	Enrico Corradi(*)	Luigi Maramotti
Directors	Paola Agnese Bongini(**)	Giorgia Fontanesi(*)
	Mariaelena Fontanesi	Elisabetta Gualandri(**)
	Alessandro Merli(**)	Ernestina Morstofolini(*)
	Edoardo Prezioso(*)	Anna Chiara Svelto(**)
	Giovanni Viani
(*) Members of the Executive Committee
(**) Independent directors pursuant to Art. 148, paragraph 3, of Italian Legislative Decree No. 58/1998
BOARD OF STATUTORY AUDITORS
Chairman	Anna Maria Allievi
Standing auditors	Giulio Morandi	Maria Paglia
Alternate auditors	Maurizio Bergomi	Stefano Fiorini
SENIOR MANAGEMENT
General Manager	Angelo Campani
Co-General Managers	Stefano Morellini	Stefano Pilastri
Deputy General Manager	Giuliano Cassinadri
Central Managers	Paolo Magnani
	Francesco Reggiani
Deputy Central Managers	Roberto Catellani	Ettore Corsi
	Alessandro Cucchi	Maurizio Giglioli

Manager responsible for preparing the company's financial reports

Paolo Tommasini

INDEPENDENT AUDITOR

Deloitte & Touche S.p.A.

CONSOLIDATED FINANCIAL STATEMENTS 7

CONSOLIDATED FINANCIAL STATEMENTS

8

CONSOLIDATED FINANCIAL STATEMENTS

2023

Mario Schifano (Homs 1934 - Rome 1998), O Sole mio, screen printing on paper, detail, Credem art collection

CONSOLIDATED FINANCIAL STATEMENTS

10