BANCA CESARE PONTI S.P.A.

Banca Cesare Ponti S.p.A. is an Italian private bank headquartered in Milan that operates within the BPER Banca Group, focusing on wealth management and private banking for affluent and high-net-worth clients. The bank provides investment advisory, discretionary portfolio management, order execution and custody of financial instruments, life-insurance wrappers distributed via bancassurance partners, and credit solutions such as Lombard lending and mortgages, alongside current and deposit accounts and standard payment services. Distribution is through a network of private bankers and a limited number of offices in major Italian cities, with remote channels for reporting and account access. As an Italian bank, it is supervised by the Bank of Italy and CONSOB, and participates in the Interbank Deposit Protection Fund; eligible deposits are protected up to EUR 100,000 per depositor, while investment products are subject to market risk and are not covered by deposit insurance. The bank applies MiFID II profiling and suitability/appropriateness checks, and provides pre-contractual disclosures and Key Information Documents where applicable. Pricing generally consists of management and, where relevant, performance fees on mandates and products, as well as custody, execution, and account fees, which vary by service level and client profile; detailed conditions are set out in the bank’s information sheets and contracts. Onboarding follows standard Italian KYC/AML requirements and typically involves in-person verification; minimum investment thresholds apply and the bank primarily serves clients resident in Italy, with cross-border availability subject to regulatory constraints. Banca Cesare Ponti is a wholly controlled entity within the BPER perimeter and is consolidated at group level for capital and risk reporting; it is not separately listed and may not have standalone public credit ratings.