arrived at the top of the hill in the most difficult moment. Anna Maria Roscio since the beginning of the year in charge of Intesa Sanpaolo SMEs. A platoon of 200 thousand small and medium-sized enterprises, which invoice from 2.5 million to 350 million euros. A very representative cross-section of the Italy that produces. But he barely had time to collect deliveries from Teresio Testa, the historian in charge of SMEs in Ca ‘de Sass, with whom he shared a year and a half of work, that the pandemic from Covid-19 threw projects and products into the air, drawing a new unexpected reality.
Since February the world has changed – says Roscio -. We all found ourselves working from home and facing an unprecedented situation. Our work plan, which was based on interventions for sustainability, the industry 4.0 program, the corporate finance for SMEs, it was suddenly upset and we had to adapt it to a new context. The emergency forced to find new measures, which could be an immediate and concrete aid to the real economy. We worked on bank measures, first of all the moratorium, and then on government measures. This forced us to rethink the way we work with businesses, it anticipated and accelerated digitalization, it led us to rewrite 50 work processes to allow businesses to work. remotely, without having to come to the branch to sign a contract. He imposed the idea of new financing products that are consistent with the needs of businesses. And to do it quickly, because the time factor it was of equal importance compared to making resources available. Personally, a beautiful one fire test. And not over. The crisis exit plan promises to be just as challenging. Also because the indications of Stefano Barrese, head of Banca dei Territori di Intesa, are clear: go beyond credit.
Italian SMEs are extraordinary realities – says Roscio – unique in the world. They are able to express a high rate of creativity in any sector they work, even if they produce rods. There is an almost innate ability of entrepreneurs to create beautiful things, with an eye oriented towards sustainability and great ability to be recognized on the markets. Of course, there is also the downside, with many entrepreneurs who are unable to detach themselves from their creatures and pass the baton. The theme of generational change is very important. About 38 percent of entrepreneurs driving smes are over 65. a theme. Also because the new generations bring innovation, greater openness to novelties, to digital.
The crisis is having serious repercussions. But the whole thing can be positively interpreted as a stimulus to accelerate. The turning point in ESG is the great issue that companies must face, in addition to relaunching the desire to invest. In some cases a process of acculturation is needed, in which the bank plays an important role. Business challenges today are represented by human capital, governance, digitalization and the ability to deal with sustainability. They are the viaticum for growth, extremely connected factors. Some sectors have already shown a strong propensity to green, we think of agri-food, wood-furniture. Now it is necessary to make a qualitative leap and have courage. There are conditions for doing this. The same relaunch of the industry 4.0 program is one of the measures that pushes in this direction, because the transition from hyper amortization to tax credit opens the audience of possible beneficiaries exponentially.
Turin, 53 years old, Roscio used to doing early. In Intesa (indeed, Sanpaolo) since 1991, she graduated when she was not yet 23 years old in Economics and commerce in Turin, with a thesis on the management of financial flows in a centralized treasury, supervisor Flavio De Zani, vote 110/110, who follows the 60/60 obtained on the occasion of the classical high school diploma at the Alfieri high school. Vocation to be nerd and before class, after graduation he started working as an auditor for Coopers & Lybrand, before doing a master’s degree, always under the Mole, with a Fiat Scholarship. But when choosing, he had no doubts: Sanpaolo offered more interesting prospects. And here it is, thirty years later, on the 19th floor of the Corso England skyscraper. Turin thus, had not yet seen it.