264 mila
Employees
19 mila
Number of branches
36 thousand
Number of ATMs
3,3 milioni
Number of POS
(Dati a dic. 2025 – Fonte Banca d’Italia )
- In Italy you can find 1 in 5 bank branches of the entire euro area. Our country counts 32 sportelli ogni 100 mila abitanti, un numero superiore alla media dell'area euro, che è di 28 sportelli. (2025, Fonte: BCE)
- In Italia ci sono circa 17 abitanti per POS, in linea alla media dell'area dell'euro. (2025, Fonte: BCE e Eurostat)
The financing of the economy
(Data a - Source Bank of Italy)
Banks play a crucial role in supporting the economy, providing financing to businesses, households and public administration.
1.657 miliardi €
Loans to the private sector and PA
Loans to businesses
L’90,4% delle PMI in Italia ottiene l’intero importo richiesto o almeno il 75% del prestito richiesto, rispetto all’84,2% delle PMI nell’area dell’euro. (2025, Fonte: SAFE, BCE)
A fine 2025, il 40% dei prestiti concessi alle imprese italiane è stato destinato alle PMI, un dato in linea alla media dell’area dell’euro, che si attesta al 41%. (Fonte: EBA)
606 miliardi €
Loans to businesses
441 miliardi €
For housing purchase
684 miliardi €
Loans to households
Household savings and bank funding
(Data a - Source Bank of Italy)
Banks play a central role in financing the economy, using funds collected from customers through deposits and bonds.
- 91 mila euro: net financial assets per capita in Italy, higher than the euro area average (74 mila euro).
2.141 miliardi €
Inflows from customers
Deposits from resident customers
Bonds
Customers and banking channels
(Fonte: Osservatorio ABI “Banche Clienti” in collaborazione con IPSOS DOXA aprile 2026)
Digital channels
Access to banking services through digital channels is growing steadily.
- Internet Banking e/o Mobile Banking: 30,5 milioni di clienti (79%).
- Home Banking/Internet Banking: oltre 24,1 milioni di clienti (63%).
- Mobile Banking (app, smartphone, tablet): over 24,1 milioni di clienti (63%).
- Interaction via e-mail or website: approx. 7,2 milioni di clienti (19%).
- Chat with operator: approx. 1,8 milioni di clienti (5%).
- Chatbot: approx. 2 milioni di clienti (5%).
- Interaction with the bank on social media: over 2,2 milioni di clienti (6%).
Remote channels
Despite digitisation, physical channels remain essential for many customers.
- ATM: 36,9 milioni di clienti (96%).
- ATM machine for withdrawals: approx. 36,6 milioni di clienti (95%).
- Advanced ATMs/self-service areas: approx. 9,5 milioni di clienti (25%).
- Telephone bank / call centre / toll-free number: 9,9 milioni di clienti (26%).
Managing Payments
( - Source Bank of Italy)
Banks and other payment service providers play a key role in the management of financial flows between businesses, consumers and public administration, supporting the evolution towards increasingly digital payment instruments.
- 12,4% annuo of increase in electronic payments
- 27.889 electronic payment transactions per minute in Italy
In were carried out 16,5 miliardi of transactions with non-cash instruments, with a total value of 12.662 miliardi di euro.
Transfers
2,4 miliardi di operazioni
of 10.607 miliardi €
Collection arrangements
1,7 miliardi di operazioni
of 1.287 miliardi €
Payment card transactions
12,4 miliardi di operazioni
of 506 miliardi €
115 milioni of payment cards
Bank and bank drafts
0.1 billion transactions
of 222 miliardi €
Soundness and capitalisation of the banking sector
(Data a - Source: Bank of Italy)
The Italian banking sector proves to be solid and resilient, able to face adverse scenarios thanks to high capitalisation
Two Italian banks are among the top ten in the euro area per total assets (Source: Bankfocus), confirming the relevance of the sector in the European financial context
Capitalisation ratio (*)
(*) Ratio of total capital to risk-weighted assets
Coefficient relative to CET 1 (*)
(*) Ratio of best quality capital to risk-weighted assets
Reports and Statistics
Studies and research conducted by ABI with the aim of providing analysis and information support of a periodical and monographic nature on the main segments of the national and international banking and financial market.
ABI Monthly Outlook
The ABI's monthly Report on the evolution of financial and credit markets offers an in-depth and up-to-date analysis of the main credit and financial market dynamics, while providing an interpretative key to the most significant economic and financial phenomena. The first part of the Report is devoted to the macroeconomic scenario, with an analysis of the national and international context and the main trends that may affect the financial sector. After a section devoted to public finance and one focusing on the evolution of monetary and financial markets, the Report concentrates on banking markets, providing data and estimates on the performance of the main balance sheet aggregates of Italian banks, including loans, funding, bank interest rates and asset quality.
You can access the collection of compiled monthly reports by clicking here.
ABI-CERVED OUTLOOK on impaired corporate loans
The ABI-Cerved Outlook on corporate impaired loans, produced on a half-yearly basis, disseminates estimates and forecasts of the non-performing loan entry rates of non-financial companies by size class, with the aim of expanding the pool of information available on the national economic fabric. The estimate of bad debt rates is obtained through a process that uses a Cerved score available for the Italian companies as a whole, the CeBi-Score4, as a synthetic assessment of a company's economic-financial risk, transforming it into individual risk indicators or Eidr (Expected individual default rates) and reproportioning the reproportioned Eidr on the historical series published by the Bank of Italy.
The possibility of having an indicator at the individual level with the property of replicating, on average, the dynamics of system-wide lapse rates, provides a powerful estimator of the rate itself at the cluster size level. The historical series since 1990 of decay rates (TD) for the 64 clusters considered in the project was therefore reconstructed by means of a proportion.
ABI and Cerved distinguish non-financial companies into four size classes (micro, small, medium and large), using the criteria defined by the European Commission.
The decay rates obtained feed into a model for estimating the riskiness of business loans with a degree of detail given by the intersection of the sectoral, territorial and dimensional levels of detail.
Read the communiqué from here
Outlook ABI-Cerved 2025-27 sui crediti deteriorati delle imprese
Tassi di default previsti in aumento contenuto: 2,9% nel 2027 contro il 2,6% del 2024, passando per il 3% del 2026
7 October 2025
Residential property report
The Residential Real Estate Report is the volume that the Agenzia delle Entrate's Real Estate Market Observatory (OMI), in collaboration with the Italian Banking Association, dedicates to the residential real estate market in order to provide an in-depth analysis of the past year. In particular, the Report illustrates the trend of the affordability index drawn up by ABI's Economic Analysis Office for Italian households as a whole, both at national and regional level.
Rapporto Immobiliare 2026 - Il settore residenziale
Rapporto Immobiliare Residenziale edizione 2026
21 May 2026