Texas Ratio

The Texas Ratio is one of the most used coefficients for estimating a bank’s financial solidity, linking a bank's exposure to credit risk with equity in the balance sheet. Values below 100% denote lower risk.

The comparison of this indicator between the Sella group and the Italian banking system confirms the high level of our Group’s solidity.

Commercial Bank

Traditional and online commercial banking, consumer credit, insurance brokerage, non-life, P2P lending, leasing.

Wealth & Asset Management

Private banking and investment services, fiduciary services, family office, venture capital.

Open Banking

Platforms, digital solutions, electronic payments, credit and debit cards, e-commerce

Corporate & Investment Banking

Corporate & investment banking