Credito Emiliano (Credem) | Sustainability Performance
Italian commercial banking group (Credito Emiliano) serving retail, private and corporate clients.
1910
Italy
5,001 - 10,000 employees
Banking
$1B - 10B in revenue
$500M - 1B in profitability
Sustainability Ranking & Industry Benchmark
#7840
Overall#300
in Italy#321
in BankingSustainability Maturity
Sustainability Intent
Overview
Environmental
Carbon emissionsDigital emissionsEnergy consumptionWaste ManagementWater ManagementSocial
Diversity and InclusionGovernance
TargetsESG scores and ExclusionsFinancial Data
Business performanceCapital & innovationAnalyst projections
CO2 scope 1 + 2
Aligned
Renewable energy
Aligned
Waste generated
Laggard
Female employees
Critical
Market cap
Revenue
Carbon emissions
Reveal data for 1 credit
Industry rank: 95 out of 498
Total CO2 emissions
(CO2e tonnes)
Industry rank: 95 out of 498
Scope 1
Scope 2 location based
Scope 3 downstream
Scope 3 upstream
Industry benchmark
(adj. for revenues)
(adj. for revenues)
Renewable energy
Reveal data for 1 credit
61%2025
Industry rank: 40 out of 498
Total energy consumption
and % renewables
(MWh, % of consumption)
Industry rank: 40 out of 498
Total energy
Share of renewable energy
Industry benchmark
Intensity
Greenhouse gas intensity Scope 1, 2 (tCO₂e /$M)
Energy consumption (direct) intensity (MWh /$M)
Industry Benchmark
4.3
B/M 4.6
17.5
B/M 10.2
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Female employees
Reveal data for 1 credit
Share of female employees (%)
Share of female board members
25
50
75
100
Company
Benchmark
Digital Emissions
CO2e per visit (g)
Industry benchmark
B/M 0.4 g
C
Environmental ScoreScore C
Green HostingNo
Waste
Reveal data for 1 credit
509.02023
Total waste generated (tonnes)
Total waste
Recovered & recycled
Not-recovered & not-recycled
Industry Benchmark
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Controversy level
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Carbon emissions breakdown
Reveal data for 2 credits
| KPI | Metric | Year | |||||
|---|---|---|---|---|---|---|---|
| 2021 | 2022 | 2023 | 2024 | 2025 | Benchmark | ||
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| ******* | ******* | - | - | ******* | ******* | ******* | ******* |
Water management
Reveal data for 2 credits
| KPI | Metric | Year | |||||
|---|---|---|---|---|---|---|---|
| 2019 | 2020 | 2021 | 2022 | 2023 | Benchmark | ||
| ******* | ******* | - | - | - | - | ******* | ******* |
| ******* | ******* | - | - | - | - | ******* | ******* |
| ******* | ******* | - | - | - | - | ******* | ******* |
Market cap
Revenue
EBITDA
Operating margin
Revenue & EBITDA
$3.4BFY2025 revenue
Total Annual
Revenue & EBITDA
($ B)
Annual revenue
EBITDA
3 year change
Margin trends
Margin as % of revenue
Gross margin
Operating margin
Net margin
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Free cashflow
Capex
Debt/equity ratio
Return on invested capital
7.0%FY2026
Return on invested capital (ROIC)
Industry benchmark
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Analyst revenue estimates & actuals
Analyst consensus vs actuals
($ B)
Actual revenue
Consensus estimates
Estimate only
3.7
▲ 66.4%
4.0
▲ 72.6%
3.4
▲ 61.0%
2.2
2029Powered by illuminem
Sustainability targets and commitments
| Target | Year | Value | Scope | Baseline |
|---|
Progress against targets
Environmental policy coverage
Carbon reduction policy
Available
Human rights policy
Available
Recycling policy
Available
Workplace health & safety policy
Available
17%
Independent Directors
4 out of 24 incl. management
Overall score
62
Environment
61
Social
99
Governance
27
Exclusion screening
Adult content
Not available
Alcoholic
Not available
Animal testing
Not available
Firearms
Not available
Tobacco
Not available
Gambling
Not available
Nuclear
Not available
