RETAIL COMPANIES NPE SERVICES ABOUT US CUSTOMER AREA EN About us DIGITAL, BUT HUMAN FIRST Guber Credit Management became a bank in 2018: the very first Italian bank to receive an ex novo authorization from the European Central Bank. We are an Italian digital bank specialised in non-performing loan management and services for small and medium enterprises. Digital is essential to us in order to be more efficient and transparent in providing our services. It helps us overcome physical distances and enables our clients to be more competitive. Being digital for us does not mean virtual. Human relations are very important as much as building our clients’ trust, day by day. This is why Guber decides to stay in touch with the companies since day one. We want to meet the entrepreneurs and know their objectives. Nowadays, this is what makes the difference in the banking world. The Founders Gianluigi Bertini He graduated from the Catholic University of the Sacred Heart of Milan in Law. He is co-founder of Guber SpA, now Guber Banca SpA, which he was successively Chairman and CEO. Today he sits on the Board of Directors as Vice-Chairman in charge of the legal area Francesco Guarneri He graduated from Bocconi University in Milan in Economics and Business. He is co-founder of Guber SpA, now Guber Banca SpA, which he is the CEO. He is Director of Star Finance Srl, controlled by Guber and specialized in management of assets resulting from bankruptcy agreements. He is also founding partner of Fondazione Etica, dedicated to innovation in the social field. Top Management DAVIDE BECCHETTI ELISA BONAZZOLI MIRJA CARTIA D'ASERO ROCCO DEL PARADISO EGON FASSETTA FEDERICO GUARNERI SABRINA PEPICIELLO SIMONE PORCELLATI STEFANIA ROSSETTI CAMILLA TURELLI DENISE TURRINI MICHELE ZORZI History APRIL 2021 Guber upgrades its ratings Fitch issues Guber three ratings upgrade: RSS1-, CSS1- AND ABSS1- OCTOBER 2019 Guber launches its second banking product: Anticipo102 Anticipo102 is a fully digital supply chain finance, which allows suppliers to collect in advance 100% of the invoice. net of a trade discount, and offers their partner companies a payment extension of 30 days. OCTOBER 2018 Guber Banca launches Deposito 102 Deposito102 is Guber Banca new online deposit account, the ideal investment for those who want to grow their liquidity without any risk. MARCH 2018 Guber Banca is founded Guber SpA received authorisation to carry on its banking business from the European Central Bank and announces the official creation of Guber Banca. APRIL 2017 Varde Partners acquires 33% of the Guber share capital The American fund supports the two founding partners in the company’s shareholding structure. DICEMBER 2016 Rating Special Servicer ABSS2+ Guber obtains the rating ‘ABSS2+’ from Fitch and confirms the ratings ‘RSS2+’ and ‘CSS2+’. JANUARY 2014 Rating Special Servicer ABSS2 Guber also applies for a Special Servicer ABS rating and in January 2014 the CSS2 and RSS2 ratings are confirmed along with the assignment of the ABSS2 rating. MARCH 2011 Opening of the first office in Milan Following the acquisition of a business unit from Citifinancial-Citicorp, Guber opens an office in Milan. APRIL 1998 Banking service Guber gets into the banking field, becoming a highly qualified service provider, both for Italian credit institutions and for international institutional investors, transferors of NPLs, including securitised. JANUARY 1994 Industrial sector In 1994 Guber began to extend its collaboration to industrial and commercial companies. INNOVATIVE MANAGEMENT MODEL In 1994 Guber began to extend its collaboration to industrial and commercial companies. In the second half of the 1990s, Guber created a real industrial model for managing the judicial recovery process, which is still one of its distinctive skills and strengths today. JANUARY 1991 Foundation The founding shareholders are Francesco Guarneri and Gianluigi Bertini. The initial mission was to assist the Bankruptcy Proceedings in the recovery of their debts, combining the collection activity with the delicate activity of credit assessment. Registered and operational office: Via Corfù n. 102, 25124 Brescia Secondary Office: Via del Lauro n. 7, 20121 Milano Contact centre: + 39 030 24 55 811 Fax: + 39 030 24 50 351 Email: info@guber.it Certified email address: guber@legalmail.it Community News Contact Us Sustainability Corporate About us Governance Rating and certifications Information Transparency Code of Ethics Privacy Services Retail Companies NPE Services Follow Us: Guber Banca SpA - VAT number/Tax code 03140600176 - Share Capital 10,200,000 € fully paid – REA no. 331397 Registered in the Register of Banks under no. 8074 – ABI Code 3656.6 Member of the Interbank Deposit Protection Fund – PS License pursuant to art. 115 of the Consolidated Text of Laws on Public Security © 2021 All rights reserved