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Banca Sistema — Investor Relations & Filings

Ticker · BST ISIN · IT0003173629 LEI · 815600B5C61A10BBB451 XMIL Financial and insurance activities
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Filings indexed 782 across all filing types
Latest filing 2022-08-29 Interim / Quarterly Rep…
Country IT Italy
Listing XMIL BST

About Banca Sistema

https://www.bancasistema.it/english

Banca Sistema is a financial institution specializing in financing and managing trade receivables, with a particular focus on those owed by public administrations. The bank serves corporate clients, including small and medium-sized enterprises (SMEs), as well as private customers. Its primary business line is factoring, encompassing both public sector and commercial receivables. Beyond its core factoring operations, the institution offers a suite of banking products. For its corporate clientele, this includes various financing and servicing activities. For private individuals, the product suite features salary-backed loans and specialized pawn credit services, offering loans collateralized by valuable assets and works of art.

Recent filings

Filing Released Lang Actions
RELAZIONE FINANZIARIA SEMESTRALE CONSOLI DATA AL 30 GIUGNO 2022
Interim / Quarterly Report Classification · 100% confidence The document is a 'Relazione Finanziaria Semestrale' (Half-Yearly Financial Report) for Banca Sistema as of June 30, 2022. It contains comprehensive financial statements, management reports, consolidated balance sheets, income statements, and notes to the accounts. It is a full interim report, not an announcement or a summary, and therefore fits the definition of an Interim/Quarterly Report (IR). H1 2022
2022-08-29 Italian
BANCA SISTEMA: PERFEZIONAMENTO DELL’EFFICACIA DELLA COOPTAZIONE DI UN AMMINISTRATORE/ PERFECTION OF THE EFFECTIVENESS OF THE CO-OPTION OF A DIRECTOR
Board/Management Information Classification · 99% confidence The document is titled 'COMUNICATO STAMPA' (Press Release) and announces that the co-option of a Director (Pier Angelo Taverna) has become effective following regulatory approval from the Bank of Italy. This directly relates to changes in the company's board of directors or senior management. This aligns perfectly with the definition for Board/Management Information (MANG). The document is short and is an announcement, not a comprehensive report, confirming it is not 10-K, AR, or IR.
2022-08-05 Italian
BANCA SISTEMA: APPROVATI I RISULTATI AL 30 GIUGNO 2022 – ERRATA CORRIGE/BANCA SISTEMA: APPROVED RESULTS AS AT 30 JUNE 2022 – ERRATA CORRIGE
Earnings Release Classification · 100% confidence The document is titled "COMUNICATO STAMPA" (Press Release) and details the financial results for the period ending June 30, 2022, including key metrics like Net Profit, Interest Margin, and Capital Ratios. It explicitly mentions the approval of consolidated financial statements for the period. The content is a summary of financial performance, not the full, detailed report itself (like a 10-K or a comprehensive IR). Furthermore, the document is a press release announcing results, which strongly aligns with the definition of an Earnings Release (ER). Although it mentions the approval of the sustainability report, the primary focus and bulk of the text are the half-year financial highlights. Since the period is half-year (June 30), it could potentially be an Interim Report (IR), but the format is clearly a press release summarizing key figures, making ER more appropriate for the initial announcement format, especially given the context of a 'Comunicato Stampa' detailing period results. The document length is substantial (60k chars), suggesting it contains more than just highlights, but the structure is that of an initial results announcement. However, upon closer inspection, the document provides detailed breakdowns of the Income Statement and Balance Sheet components (e.g., detailed analysis of factoring, CQ, credit risk, capital ratios with transitional rules, and mentions of attached consolidated statements). This level of detail often crosses the line from a pure 'Earnings Release' (ER - key highlights only) into a more comprehensive 'Interim Report' (IR - comprehensive financial report for a period shorter than a year). Given the detailed financial tables and extensive commentary on the balance sheet and income statement items for the half-year period ending June 30, 2022, the classification 'Interim / Quarterly Report' (IR) is the most accurate fit for the comprehensive nature of the disclosed data, even though it is presented as a press release. Crucially, the document explicitly states: "Il Consiglio di Amministrazione di Banca Sistema ha approvato gli schemi di bilancio consolidato al 30 giugno 2022..." and includes detailed financial statements (Stato patrimoniale consolidato, Conto economico consolidato) as attachments/sections. This confirms it is the reporting document itself for the interim period, not just a brief announcement. Final decision leans towards IR due to the comprehensive financial data presented for the half-year period. H1 2022
2022-08-02 Italian
BANCA SISTEMA: APPROVATI I RISULTATI AL 30 GIUGNO 2022
Earnings Release Classification · 100% confidence The document is titled "COMUNICATO STAMPA" (Press Release) and announces the approval of results for the period ending June 30, 2022 ("APPROVATI I RISULTATI AL 30 GIUGNO 2022"). It provides key financial highlights (Net Profit, Interest Margin, Operating Costs, Capital Ratios) and detailed commentary on business lines (Factoring, CQ, Credito su pegno). This structure is characteristic of an Earnings Release (ER), which is the initial announcement of periodical financial results, often released before the full Interim Report (IR) or Annual Report (10-K). Crucially, the document explicitly states that the Board of Directors approved the consolidated financial statements ("schemi di bilancio consolidato al 30 giugno 2022") and then lists the actual financial statements (Stato patrimoniale consolidato, Conto economico consolidato) in the attachments section. Since this is the announcement summarizing the results and attaching the detailed statements, it fits the definition of an Earnings Release (ER) better than the comprehensive Interim Report (IR), especially given the format of a press release. Furthermore, the document mentions the approval of the voluntary sustainability report, but the primary focus is the H1 2022 financial results announcement. H1 2022
2022-07-29 Italian
APPROVAZIONE DELIBERA QUADRO RELATIVA AD OPC E PUBBLICAZIONE DOCUMENTO INFORMATIVO/APPROVAL OF FRAMEWORK RESOLUTION CONCERNING TRANSACTIONS WITH RELATED PARTIES.PUBLICATION OF THE INFORMATIVE DOCUMENT
Report Publication Announcement Classification · 98% confidence The document is a 'COMUNICATO STAMPA' (PRESS RELEASE) dated July 22, 2022. It announces the approval of a framework resolution regarding related party transactions and, crucially, states that the 'relativo documento informativo è a disposizione del pubblico' (the relative informative document is available to the public) on the company website and at the registered office. This structure—a brief announcement stating that a detailed document is available elsewhere—fits the definition of a Report Publication Announcement (RPA). It is not the full report itself (like 10-K or IR), nor is it a standard regulatory filing like DIRS or DIV. Given the document's primary function is to announce the publication/availability of another document, RPA is the most appropriate classification, adhering to the 'MENU VS MEAL' rule.
2022-07-22 Italian
DOCUMENTO INFORMATIVO RELATIVO AD OPERAZIONI DI MAGGIORE RILEVANZA CON PARTI CORRELATE
Legal Proceedings Report Classification · 95% confidence The document is titled "DOCUMENTO INFORMATIVO RELATIVO AD OPERAZIONI DI MAGGIORE RILEVANZA CON PARTI CORRELATE" (Informative Document Relating to Material Transactions with Related Parties) and explicitly references Italian regulations: "Regolamento Consob n. 17221 del 12 marzo 2010" and "Circolare Banca d'Italia n. 285 del 17 dicembre 2013". This type of disclosure, detailing transactions with related parties under specific regulatory frameworks (like Consob rules), is a mandatory disclosure in Italy. While it discusses financial operations, it is not a standard periodic report (10-K, IR, ER). It is a specific regulatory disclosure concerning corporate governance and related party transactions. Among the provided codes, 'LTR' (Legal Proceedings Report) is incorrect. 'CGR' (Governance Information) is plausible as it relates to internal rules, but the document's primary focus is the disclosure of specific, material transactions with related parties as mandated by securities regulators (Consob). In many regulatory contexts, detailed disclosures about related party transactions, especially those requiring board approval and specific regulatory filings, fall under general governance or specific transaction disclosure rules. Given the options, and recognizing this as a specific regulatory filing mandated by Consob regarding related parties, it most closely aligns with a specialized governance/regulatory disclosure. Since there isn't a specific 'Related Party Transaction Disclosure' code, and it deals heavily with internal rules, board actions, and compliance, 'CGR' (Governance Information) is the closest fit among the specific options, although 'RNS' (Regulatory Filings) is a strong fallback. However, because it is a detailed report on governance compliance regarding transactions, CGR is chosen over the generic RNS.
2022-07-22 Italian

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