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Credito Emiliano — Investor Relations & Filings

Ticker · CE ISIN · IT0003121677 LEI · 8156004B244AA70DE787 XMIL Financial and insurance activities
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Filings indexed 538 across all filing types
Latest filing 2025-03-20 Audit Report / Informat…
Country IT Italy
Listing XMIL CE

About Credito Emiliano

http://www.credem.it

Credito Emiliano (Credem) is a banking group that provides a range of financial services. Its core operations are structured around commercial banking, private banking, asset management, and insurance. The group caters to both individuals and families, offering products such as current accounts, payment cards, loans, and mortgages. For corporate clients and professionals, it delivers tailored financial consulting, leasing, and factoring services. Additional activities include fund management and security trading. A distinctive aspect of its business involves accepting wheels of Parmigiano-Reggiano cheese as collateral for loans to local producers, aging the cheese in its own climate-controlled vaults to support the regional economy.

Recent filings

Filing Released Lang Actions
Proposta motivata del Collegio Sindacale di CREDEM in merito all’ampliamento dell’incarico per la attività di revisione della Rendicontazione di Sostenibilità a partire dall''esercizio 2024
Audit Report / Information Classification · 99% confidence The document is titled "PROPOSTA MOTIVATA DEL COLLEGIO SINDACALE... IN MERITO ALL'AMPLIAMENTO DELL'INCARICO PER LO SVOLGIMENTO DELL'ATTIVITA DI REVISIONE DELLA 'RENDICONTAZIONE DI SOSTENIBILITÀ'" (Motivated Proposal of the Board of Statutory Auditors... regarding the expansion of the assignment for the performance of the audit activity of the 'Sustainability Report'). It explicitly discusses the proposal by the Board of Statutory Auditors (Organo di Controllo) to the Shareholders' Meeting regarding the engagement of the auditor (DELOITTE) for sustainability reporting assurance under the CSRD directive. This type of document, which involves a formal proposal from a governing body (like the Board of Auditors) to the shareholders concerning an audit or governance matter, fits best under Governance Information (CGR) or potentially a specific type of Audit Report/Information (AR) if it were the final report. However, since it is a formal proposal regarding the scope and fees for future assurance work related to sustainability reporting (which is closely tied to governance and non-financial reporting), and it is addressed to the shareholders for a decision, it strongly aligns with Governance Information (CGR) which covers internal rules and board structure/practices, or potentially a specific type of Audit/Review information. Given the focus on the auditor's mandate expansion related to sustainability reporting assurance, which is a key governance/compliance function, CGR is a strong fit, but AR covers 'applied accounting principles' and regulatory stress tests. Since this is a proposal about the *audit* mandate itself, and not the final sustainability report, CGR (Governance Information) or potentially a specialized Regulatory Filing (RNS) might apply. Looking closely at the definitions, CGR covers 'internal rules, board structure, and governance practices.' A proposal from the Board of Statutory Auditors regarding the mandate of the external auditor for sustainability reporting assurance is fundamentally a governance matter being presented to the shareholders. It is not a standard Audit Report (AR), nor is it a general regulatory announcement (RNS). It is a formal recommendation concerning the oversight function. Therefore, Governance Information (CGR) is the most appropriate classification. FY 2024
2025-03-20 Italian
Proposta motivata del Collegio Sindacale in merito all’integrazione degli onorari per la revisione legale dei conti del bilancio d’esercizio e consolidato di CREDEM per l’esercizio 2023
Audit Report / Information Classification · 99% confidence The document is titled "PROPOSTA MOTIVATA DEL COLLEGIO SINDACALE... IN MERITO ALL'INTEGRAZIONE DEGLI ONORARI PER LA REVISIONE LEGALE DEI CONTI DEL BILANCIO D'ESERCIZIO E CONSOLIDATO... PER L'ESERCIZIO 2023." This clearly indicates it is a formal proposal from the Board of Statutory Auditors (Collegio Sindacale) regarding the fees for the statutory audit of the annual and consolidated financial statements for the year 2023. This document is not the full Annual Report (10-K) or the Audit Report itself (AR), but rather a specific communication related to the governance and approval process concerning the audit fees, likely presented to shareholders for approval, possibly in conjunction with an AGM or a specific resolution. Since it deals with the formal approval/remuneration aspect related to the audit function, it aligns closely with governance or specific regulatory/audit-related information presented to shareholders. Given the options, it is a specific report/proposal concerning the audit process and fees, which is a key component of corporate governance and statutory reporting requirements. It is a formal proposal from the supervisory body (Collegio Sindacale) regarding the auditor's fees, which is a governance matter, but more specifically tied to the audit function than general governance (CGR). It is not a general Audit Report (AR) but a proposal about the audit fees. Since it is a formal proposal from the supervisory body to the shareholders regarding a specific financial/audit matter, and it is not a general management report (MDA) or a general governance report (CGR), the closest fit among the specific options is related to the audit process or governance. Given the focus on the auditor's fees and the proposal to the shareholders, it is a highly specific document. It is not a DEF 14A (Remuneration Information, which usually covers management/director pay). It is a proposal concerning the audit fee integration. This type of document, detailing specific actions and proposals from the supervisory board to the assembly, often falls under specific regulatory disclosures. Since it is a formal proposal concerning the statutory audit fees, it is most closely related to the Audit Report/Information category (AR) as it directly concerns the statutory audit process, even though it is a proposal about fees rather than the final audit opinion. However, if we strictly follow the definitions, it is a proposal concerning the audit, which is a core part of the AR scope (applied accounting principles/results of internal/regulatory stress tests). If it were a general governance document, CGR would fit, but the focus is purely on the auditor's remuneration for the statutory audit. I will classify it as AR because it is a formal document detailing the justification and proposed integration of fees for the statutory audit of the annual accounts, which is intrinsically linked to the audit process itself. The document length (5894 chars) is substantial enough to be the report itself, not just an announcement (RPA/RNS). FY 2023
2025-03-20 Italian
Orientamenti del Collegio Sindacale di Credito Emiliano S.p.A agli Azionisti sulla composizione qualitativa e quantitativa ottimale del Collegio Sindacale
Proxy Solicitation & Information Statement Classification · 95% confidence The document is titled "ORIENTAMENTI DEL COLLEGIO SINDACALE DI CREDITO EMILIANO S.P.A. AGLI AZIONISTI SULLA COMPOSIZIONE QUALITATIVA E QUANTITATIVA OTTIMALE DEL COLLEGIO SINDACALE" (Guidelines of the Board of Statutory Auditors of Credito Emiliano S.p.A. to Shareholders on the Optimal Qualitative and Quantitative Composition of the Board of Statutory Auditors). It explicitly discusses the composition, functioning, and ideal professional profiles for the upcoming nomination of the Board of Statutory Auditors (Collegio Sindacale) ahead of the Annual General Meeting (AGM) scheduled for April 30, 2025. This document provides guidance and recommendations to shareholders regarding their voting choices for the board renewal. This content strongly aligns with the purpose of materials presented to shareholders to influence their vote, which is characteristic of a Proxy Solicitation or Information Statement (DEF 14A or PSI). Since it is providing detailed guidance on the composition of the supervisory body (Collegio Sindacale) which is subject to shareholder vote, and it is not the actual proxy statement itself (which would solicit the vote directly), it fits best under Proxy Solicitation & Information Statement (PSI) or potentially Governance Information (CGR). Given the direct focus on informing shareholders for the upcoming election/nomination process, PSI is the most precise fit, as it guides the shareholder vote on governance roles.
2025-03-20 Italian
All. 3 Relazione del CdA - Proposta di incremento del rapporto tra remunerazione variabile e remunerazione fissa a beneficio di alcuni dipendenti del Gruppo CREDEM
Remuneration Information Classification · 95% confidence The document is a formal proposal addressed to the Shareholders' Meeting ('Proposta all'Assemblea degli Azionisti') concerning the increase of the ratio between variable and fixed remuneration ('incremento del rapporto fra remunerazione variabile e remunerazione fissa') for certain employees, specifically referencing compliance with Italian banking regulations (Banca d'Italia Circular 285/2013, CRDV Directive) and detailing remuneration policies, performance metrics, and risk appetite frameworks (CET1, NSFR). This content directly relates to the compensation structure and governance practices for directors and senior management, which falls under the scope of remuneration information, often detailed in proxy statements or specific governance reports. Reviewing the definitions: - 10-K/IR: Not a full annual or interim financial report. - ER/MDA: Not a standard earnings release or management discussion. - DEF 14A (Remuneration Information): This definition covers reports detailing compensation for top executives and directors. The document is explicitly about proposing changes to the variable remuneration cap ('cap') for key personnel, which is a core component of remuneration disclosure. - CGR (Governance Information): While remuneration is related to governance, the specific focus on executive pay structure makes DEF 14A a more precise fit. Given the explicit focus on proposing changes to the variable remuneration cap for key personnel, this document is best classified as Remuneration Information, aligning with the DEF 14A code, which often encompasses proxy materials related to executive compensation.
2025-03-20 Italian
All. 2 Relazione del CdA - Relazione illustrativa del CdA sulla proposta all'Assemblea di autorizzazione all’acquisto di azioni proprie
Transaction in Own Shares Classification · 98% confidence The document is titled "RELAZIONE ILLUSTRATIVA del Consiglio di Amministrazione di Credito Emiliano all'Assemblea convocata per deliberare sulla proposta di autorizzazione all'acquisto di azioni proprie" (Explanatory Report of the Board of Directors of Credito Emiliano to the Shareholders' Meeting convened to resolve on the proposal for authorization to purchase own shares). The text explicitly discusses the proposal for a 'piano di acquisto di azioni proprie' (share buyback plan) intended to cover incentive schemes (SISPRE) for management, referencing Italian civil code (c.c.), TUF, and CONSOB regulations. This document is a formal report submitted to shareholders seeking approval for a specific corporate action related to capital management (share repurchase). This aligns perfectly with the definition of a document related to capital/financing activities, specifically share repurchase, which falls under the 'Capital/Financing Update' (CAP) category, or potentially a specific type of shareholder information document. Since the core purpose is seeking authorization for a share repurchase program (Transaction in Own Shares - POS), and it is a detailed explanatory report, it is most closely related to 'POS' (Transaction in Own Shares) or 'CAP' (Capital/Financing Update). Given the detailed nature of the proposal for buying back shares (up to 1,500,000 shares) and the explicit reference to the plan's execution, 'POS' is the most precise fit, as it directly concerns the transaction in own shares. It is not a general financing update (CAP) but a specific authorization for a buyback.
2025-03-20 Italian
All. 1 Relazione del CdA - Documento informativo relativo al piano incentivante 2025 basato su azioni
Remuneration Information Classification · 98% confidence The document is titled "DOCUMENTO INFORMATIVO relativo al Piano Incentivante 2025 basato su azioni" (Information Document relating to the 2025 Incentive Plan based on shares) for Credito Emiliano S.p.A. It explicitly references Italian regulatory articles concerning incentive plans, remuneration, and compensation (e.g., art. 84*bis* of CONSOB Issuer's Regulation, TUF, Banca d'Italia provisions). The content details the beneficiaries (Directors, Strategic Responsibility Managers, PPR personnel), the structure of the incentive plan (SISPRE 2025), and the rationale behind using share-based compensation. This detailed disclosure regarding executive and employee compensation, particularly share-based incentive plans, aligns directly with the scope of a Remuneration Information document, which corresponds to the DEF 14A filing type in the US context, or similar detailed compensation reports required by European/Italian regulators for shareholder approval or information. Although it discusses remuneration, it is a specific document detailing the *plan* itself, not just the final compensation figures (which would be part of the Annual Report or a specific Remuneration Report). Given the focus on the structure and recipients of the incentive plan, it is best classified as Remuneration Information (DEF 14A).
2025-03-20 Italian

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