In implementing our mission as a "popular" co-operative bank with strong roots in local communities, we constantly strive to stand out for the ethics of our behaviour which must always be consistent with our declared values, the observance of clear and shared ethical principles and with the provisions of the law and regulations.   

The Code of Conduct pursuant to Legislative Decree No. 231/2001 states that personnel at all levels of responsibility in our organisation must have no relations with persons involved in criminal activities such as trafficking in arms or drugs, money laundering and terrorism, with persons who, insofar as is known, are lacking in the requirements of integrity, seriousness and reliability and with persons whose conduct, even indirectly, is contrary to freedom and the individual person and/or violates or contributes to the violation of fundamental human rights.    

The Internal Dealing Code, adopted to comply with the legislations and regulations in force concerning internal dealing (Art. 114, paragraph 7 of Legislative Decree No. 58/98 and articles 152 sexies, septies and octies of the regulations adopted by CONSOB with resolution No. 11971/99 and subsequent amendments) are designed to give transparency to transactions (purchases and sales, subscriptions or swaps of shares or of financial instruments associated with the shares of Unione di Banche Italiane) performed by relevant persons and persons closely associated with them.

The ABI (Italian Banking Association) plays an important role in supplementing rules for people working in banking and finance in order to improve the transparency and the quality of bank-customer relationships. It has undertaken various initiatives and we have adopted the Code of Conduct for the Banking and Financial Sector of 1996 and the Code of Conduct for Mortgage Lending of 2002.