Vertici del credito cooperativo a Napoli per confrontarsi sulla Marca e sull’etica dello sviluppo

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Un confronto sui temi di grande attualità bancaria al centro del convegno dal titolo “Il Credito Cooperativo della Campania e della Calabria: analisi del posizionamento competitivo della marca e definizione delle azioni evolutive.

“La marca racchiude in sé un insieme di elementi tra cui i valori che ispirano e segnano il carattere distintivo delle aziende. Sono i valori a base della nascita e della vita di una Banca di Credito Cooperativo. Un progetto ambizioso che parte dai fabbisogni delle Comunità che si mettono insieme per realizzare scopi comuni. Un modello di banca con radici antiche e forti che ha superato avversità politiche, economiche e sociali. La BCC non è solo un’azienda bancaria, perché la sua missione comprende lo sviluppo economico dei propri soci e clienti e dei territori ripreso dell’art. 2 dello statuto di ogni BCC. Coniugare l’anima sociale con quella dell’azienda bancaria è la vera sfida di un cooperatore per evitare derive e omologazioni che tradirebbero le volontà di tante persone che hanno dato origine a questo progetto di Banca. Per questi motivi al centro della nostra azione ci sono il rating umano, la biodiversità creditizia e l’algoretica per dare maggior valore all’uomo, alle sue idee e ai suoi progetti, utilizzando gli algoritmi in maniera più umana ed efficiente”. Amedeo Manzo, presidente della Federazione Banche di Comunità Credito Cooperativo Campania e Calabria, traccia così le linee del confronto tra i relatori – tutti ai vertici del credito cooperativo italiano – partendo dalla relazione del professore Cantone davanti a tanti studenti e al mondo del credito cooperativo nella sede della Università Federico II a Monte Sant’Angelo.

Efficacia, trasparenza, presenza, solidità e radicamento sono le cinque parole chiave che le BCC aderenti alla Federazione delle Banche di Comunità Credito Cooperativo Campania e Calabria applica sui territori per raggiungere risultati straordinari. Parole chiave che hanno consentito alle Banche di credito cooperativo di raggiungere risultati davvero notevoli alla Federazione che conta numeri notevoli oggi: 16 banche, 236 sportelli, 1578 dipendenti, 63.241soci, 470.912 clienti, 8.775 milioni di euro la raccolta complessiva, 4.841 milioni di impieghi, 13.617 milioni il prodotto lordo, 694 milioni di euro di patrimonio per un CET1 al 23,83%

“Dalle Banche di Credito Cooperativo del Sud arriva la spinta a un credito più umano, sostenibile, utile al territorio. È la dimostrazione che unire i valori all’efficienza ci conduce all’efficacia e rappresenta un modello di fare banca per il territorio in difesa delle comunità riuscendo a ottenere al contempo importanti risultati economici. Ciò seguendo i principi fondanti del rating umano e della biodiversità creditizia”, ha proseguito Manzo.

Banche e Federazioni forti vicine al territorio, che contano dell’appoggio di due Gruppi Bancari Cooperativi che consentono di poter offrire prodotti e ogni servizio con alti standard di qualità. A dimostrare ciò al convegno sono presenti tutti i vertici nazionali e i presidenti delle principali Federazione del credito cooperativo con i rappresentanti sia del Gruppo BCC ICCREA che di Cassa Centrale Banca.

“Da Napoli dunque nel solco della tradizione abbiamo fatto una proposta di innovazione nel sistema per raggiungere importanti risultati economici ma anche sociali sul territorio mostrata in maniera particolare anche attraverso le celebrazioni lo scorso anno di Antonio Genovesi, che ci hanno consentito di aprire importanti interlocuzione con la società civile, culturale, istituzionale”, sottolinea Manzo.

I lavori del convegno si sono aperti con i saluti di Matteo Lorito, Rettore dell’Università degli studi di Napoli Federico II; Gaetano Manfredi, sindaco di Napoli; Fulvio Bonavitacola, vicepresidente della Regione Campania; Adele Caldarelli, Università degli Studi di Napoli Federico II, Direttrice del Dipartimento di Economia Management, Istituzioni, Antonio Garofalo rettore dell’Università Parthenope, il sottosegretario ai rapporti con il Parlamento Giuseppina Castiello.

La relazione sul tema è stata tenuta dal Luigi Cantone, professore dell’Università degli Studi di Napoli Federico II del Dipartimento di Economia Management, Istituzioni, e docente di Marketing e strategia d’impresa sulla quale si sono confrontati Mauro Pastore, direttore generale del Gruppo BCC ICCREA Banca; Giorgio Fracalossi, Presidente del Gruppo Bancario Cassa Centrale Banca; Alessandro Azzi, Presidente della Fondazione “Tertio Millennio” Augusto Dell’Erba, Presidente della Federazione Italiana delle Banche di Credito Cooperativo – C. R. che ha dichiarato: “Il rilancio del sistema del credito cooperativo di Campania e di Calabria passa per questa unificazione e oggi appunto danno prova della loro forza e della loro capacità di interpretare il territorio. Oggi ci sono inoltre gli esponenti di entrambe le capogruppo bancarie e questo è segno che il credito cooperativo al di là delle declinazioni industriali è uno e unitario”.

“Una conclusione sulla proporzionalità, nel senso che si fa tanto per le comunità, come banche meno rischiose però ugualmente assoggettate alla normativa di altri Gruppi Bancari, creando uno svantaggio competitivo e costi di compliance elevati. Federcasse unitamente alle Capogruppo si sta attivando proprio nella direzione di far riconoscere una proporzionalità maggiore alle BCC. In tal senso di recente, la Banca d’Italia ha osservato che si dovrebbe tenere conto delle “peculiarità” delle BCC. E riteniamo che anche il nuovo governo possa impegnarsi in tale direzione riconoscendo il valore particolare delle BCC con una maggiore proporzionalità”, una riflessione di Amedeo Manzo accolta con favore dalla sottosegretaria Giuseppina Castiello intervenuta alla iniziativa che ha osservato che “siamo qui per evidenziare quanto sia importante il ruolo del credito cooperativo. Il presidente Manzo ha dimostrato quanto sia importante essere a contatto col territorio. E la politica deve fare insieme questo lavoro”.

“Partendo dallo scenario presente in cui ci muoviamo, contrassegnato da una diffusa mancanza di ottimismo e sfiducia, interessante è rilevare quanto la Marca BCC continui ad essere “depositaria di fiducia”. Fiducia che rappresenta uno dei quattro ingredienti chiave dell’Economia civile, insieme a mutualità, bene comune e pubblica felicità. Una fiducia ed una stima, quella dei clienti e dei dipendenti delle BCC, che si dimostra svincolata dalla mera dimensione funzionale e ‘prestazionale’ relativa alla fruizione di un prodotto/servizio, ed è legata invece ad una matrice valoriale condivisa. Da qui l’importanza di confermare e rinnovare il nesso fondante con quanto riportato nel nostro Statuto, per valorizzare la vocazione etica e solidale delle BCC; ponendo sempre al centro del nostro operare l’essere umano e il bene(ssere) comune, nel solco tracciato dalla Dottrina Sociale della Chiesa”. Lo ha dichiarato Alessandro Azzi, presidente della Fondazione Tertio Millennio.

Giorgio Fracalossi, Presidente del Gruppo Bancario Cassa Centrale Banca ha sottolineato “il ruolo di banca inclusiva e partner affidabile per le comunità del territorio, a maggior ragione nell’attuale contesto complesso. Il gruppo Cassa Centrale Banca, Credito Cooperativo Italiano valorizza le peculiarità del ‘Nostro modo di fare banca’ con una evidente identità forte con un richiamo alla rilevanza della riconoscibilità del marchio, sviluppata in collaborazione con le Banche del Gruppo. In tal senso ribadiamo l’impegno a proseguire nel percorso di crescita riaffermando la vocazione locale ed autonoma del nostro Gruppo. L’incontro di oggi è molto importante per tutto il credito cooperativo e spero che oggi si possa dibattere in serenità di quello che sono alcuni aspetti che toccano anche il modo in generale di parlare di marca, di marchio, di visioni, di parlare di distintività dei gruppi e spero di poter dare il mio contributo”.

Mauro Pastore Direttore Generale Gruppo BCC Iccrea ha invece sottolineato: “Il Gruppo BCC Iccrea dalla sua costituzione nel 2019 ad oggi ha realizzato una vera e propria un percorso di crescita evolutiva. Ha lavorato nella direzione dell’efficientamento delle sue strutture per renderle più funzionali alle richieste delle sue banche e alle esigenze dei soci e clienti di queste ultime. Ha rafforzato la solidità patrimoniale complessiva. Ha realizzato partnership per arricchire l’offerta con prodotti sempre più competitivi. Ha rinnovato nella continuità preservando la storia e i valori delle sue BCC che sono riuscite ogni anno ad incrementare il proprio sostegno finanziario ai loro territori. Oggi è il quarto gruppo bancario italiano per totale attivo e si compone di 120 banche di credito cooperativo con oltre 2.400 filiali in tutta Italia. Un brand riconosciuto e riconoscibile, sinonimo di coesione, affidabilità, professionalità”.

Il vicepresidente della Federazione Campania Calabria Nicola Paldino ha sottolineato che “oggi è una giornata importante per le BCC di tutta Italia e in particolare per la Federazione Campania Calabria perché siamo certi di riuscire a realizzare ancora qualcosa di interessante per tutto il mondo del credito cooperativo grazie ai suggerimenti che vengono da questa indagine”.

Tanti i messaggi istituzionali di vicinanza al credito cooperativo ben rappresentati dal saluti del sindaco di Napoli Gaetano Manfredi che ha fortemente sottolineato che “il credito cooperativo è molto importante per la nostra città e in questi anni difficili Amedeo Manzo è sempre stato al fianco dei napoletani e sappiano di poter sempre contare su di voi”.

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