Credito Emiliano S.p.A., commonly known as Credem, is an Italian banking group founded in 1910 and headquartered in Reggio Emilia, in the Emilia-Romagna region. Over more than a century of operations, the bank has expanded its network across Italy, with a particularly strong presence in northern and central regions. Credem’s historical roots in agricultural and industrial credit have evolved into a full-service financial institution serving both individual and corporate clients.
The group’s core business activities encompass retail banking services – including deposit accounts, mortgages, consumer credit and payment solutions – as well as corporate banking for small and medium-sized enterprises. In addition to traditional lending and deposit products, Credem offers private banking and wealth management through its subsidiary Banca Euromobiliare S.p.A., capital markets services and a range of insurance products via Credemvita S.p.A. The bank also operates in specialist finance segments such as leasing, factoring, and asset management, with Euromobiliare Asset Management SGR focusing on pooled and discretionary investment solutions.
Credito Emiliano maintains a diversified organizational structure with dedicated divisions for treasury, international trade finance and digital banking, supported by its in-house IT company, Credemtel. While its network extends predominantly across Italy, the group serves clients through both physical branches and digital channels, reflecting its ongoing investment in technology and customer experience. Leadership is headed by Chairman Giuseppe Perfetti and Chief Executive Officer Paolo Morelli, under whose guidance Credem continues to pursue steady growth and innovation within the competitive Italian banking sector.
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