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Rating & Reports


Established 1840 as Cassa di Risparmio di Rimini, on July 13, 1992 became a joint stock company and on May 15, 2006 name changed in BANCA CARIM – Cassa di Risparmio di Rimini SpA.

On September 29, 2010 the Italian Finance Ministry placed the bank under extraordinary administration and called for the dissolution of the former administration whose duties were taken over by two outside administrators under the supervision of the Bank of Italy. On October 1, 2012 the extraordinary administration ended and the Bank returned to its normal activities. On October 11, 2013 Banca Etica Adriatica SpA merged into the above

Born as a savings bank, after the merger with Banca Etica, the Bank became the first Italian commercial bank operating with ethical purposes, expanding the range of products and services offered to its customers.

Moreover, to make more effective use of its services, the Bank has long taken the path of on-line bank combining the traditional channel of contact with the client, represented by branches, with a number of options ranging from “Trading on-line” to “Carim Mobile”, becoming a true multi-channel bank that allows its customers to use services at any time of day, from different places, in a customized manner suiting any individual needs.

Nowadays, from the analysis of the annual report of year 2013, which you might download from here (English version from page 283), it is possible to note, among the other balance items (Assets € 2.810,74 millions; Liabilities € 4.643,40 millions; Net Equity € 287,20 millions), the prominent coverage of bad loans which is on the level of the best financial intermediaries among the national system (about 57%, pag25),  the ample quote of non-performing loans secured by a mortgage (over 75%) and, moreover, the capital ratios of the end of the  year (Tier1 8,98% and Total Capital ratio 10,90%), higher that the ratios established by the Supervising Authority, even in the perspective of the new prudential regulations of Basel III. These results have been confirmed by the 1st semester 2014 report.

Other reports here.

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We inform all our correspondents that, since Banca Carim Spa is not an usual issuer of Securities on the institutional market (frequent borrower), in 2011 we revoked our contract with Standard & Poor’s having no need to supply a rating.  


Financial Statements