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For Guber, energy savings also matter

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The Bank

Digital but Human First

We are the Italian challenger bank that creates value from distressed credit and supports small and medium-sized enterprises in accessing finance, even in complex or temporary financial difficulty.

NPE

We have over thirty years of experience in the distressed credit sector

Every credit exposure represents a relationship and an opportunity to create positive impacts at the personal, economic and social level. We are committed to maximising value for our investors and supporting the restoration of financial stability in distressed situations.

logo

We are invested in your future

The rates vary for amounts locked in for 36, 48, and 60 months, with a return of up to 3.10%.

Zero Fees

D102 is a free deposit account with no opening, closing or management fees.

Security

The invested capital is guaranteed up to €100,000.

Interest rates up to 3,10%

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CC102

The current account dedicated to insolvency proceedings

CC102PRO is the online current account specifically designed for insolvency proceedings, offering zero fixed costs, interest on liquidity, and dedicated support.

0,2%*

Gross annual interest rate

* The effective interest rate is determined as 1-month Euribor minus 240
basis points and is calculated monthly on the average of the previous month.
Promotional message for advertising purposes. For any matters not covered herein, please refer to the information sheet for the CC102PRO current account available at www.guber.it
GUBER BANCA

Welcome to our way of banking

We recognise the potential of companies, even during periods of difficulty. For this reason, we have established a different kind of bank: digital, flexible, and centred on people.

We give new life to distressed credit and create tangible opportunities for SMEs, thanks to a passionate team and solutions designed for those who want to grow, innovate and create value.

Una dipendente della challenger bank Guber banca, mentre è in piazza a Brescia, osserva con uno sguardo al futuro il logo di Guber
The first Italian bank to be granted a new banking licence by the ECB

Our offering

NPE

We acquire non-performing exposures, both portfolios and single names, and oversee all related management and recovery activities.

Area di factoring della banca digitale Guber Banca
Factoring

We support businesses in managing their liquidity through our range of advanced factoring solutions.

Special situation financing

We provide bespoke support for the restructuring and relaunch of distressed companies.

Tax credits

We assess and acquire tax credits to facilitate their conversion into cash and provide companies with the liquidity they need.

Area dei finanziamenti in special situation della banca digitale Guber Banca
Reperform

A specialised platform for organising, promoting and managing competitive and transparent online auctions, as well as for advertising judicial sales and voluntary liquidations.

Area dei crediti erariali della banca digitale Guber Banca
Conto Corrente 102 PRO

CC102PRO is the online current account specifically designed for insolvency proceedings, offering zero fixed costs, interest on liquidity, and dedicated support.

Icona in 3D relativa all'area acquisto NPE
Conto Deposito 102

Deposito 102 is a fixed-term, online deposit account that allows you to invest your savings simply, flexibly and transparently.

Financial Results

32,3

%

CET 1

62,1

mln

Net interest and banking income

26

mln

Net profit

12,7

bn

AUM: GBV

140,1

mln

Equity

Unleash your potential

In an industry driven by numbers, we firmly believe that real value lies in the people who work every day to turn even the most complex situations into opportunities. Discover our open positions and realise your potential with us.

Our ESG commitment

We are a digital bank, but we firmly believe that our role goes beyond the purely financial dimension, and we work constantly to promote the well-being of people and the environment in which we operate. We work in partnership with local authorities, non-profit organisations and other stakeholders to develop initiatives that address key issues such as environmental sustainability, social inclusion, financial education and community support.