Banca Monte dei Paschi di Siena has introduced new procedures for evaluating the creditworthiness of agricultural enterprises [P1]. Banca Monte dei Paschi di Siena has joined the understanding protocol with which Agea, the Agency for Agricultural Payments, provides banks with information certificates collected on enterprises in the primary sector. For agricultural credit, the novelty concerns the financing investigation: the corporate document, satellite surveys, and PAC payments received become elements for evaluating the creditworthiness, useful also for enterprises that do not prepare a balance sheet [P2].

MPS is the fifth bank to join the understanding, which Agea has opened to the entire credit system with the objective of making it faster to access agricultural credit and to obtain bank credits on favorable conditions. The channel bank is accompanied by the favorable conditions for agriculture in force, which intervene on tax and investment. In summary: Agea manages almost one million enterprise documents in the National Agricultural Information System (SIAN), the database used by adhering banks to evaluate loan requests; according to Agea, shared information concerns enterprise consistency, PAC payments received, satellite surveys, and data on assistance requests; the director of Agea, Fabio Vitale, indicates as an objective the bank's advance of the PAC annual next year on favorable terms, without caps or announced interest rates from the parties; Agea defines the protocol as a free agreement, open to any interested credit institution.

Agea defines the protocol as a free agreement, open to any interested credit institution. Data on the creditworthiness of agricultural enterprises With the Agea understanding, banks adhering can use, in the investigation of loans to agricultural and livestock enterprises, the enterprise documents and satellite surveys contained in the SIAN, the National Agricultural Information System managed by the Agency. The patrimonial information includes almost one million enterprise documents and, in the adherence of UniCredit, Agea has committed also to participate in working groups to define indicators and credit metrics of creditworthiness and to train the commercial and credit staff of the bank.

Corporate document and PAC payments The corporate document is the single document of the enterprise in the SIAN: according to the Agea Circular n. 67143 of September 12, 2023, it collects in declarative form the productive patrimony of the enterprise and is the basis on which assistance requests are presented. For the bank, these data attest the enterprise's consistency and already received contributions; according to Agea, the certainty on future payments allows for faster investigations and more favorable rates. Agricultural enterprises without a traditional balance sheet The most evident advantage concerns enterprises that do not have a traditional balance sheet: Agea and BPER, in the note of October 8, 2026, have indicated as an objective the advance of the PAC annual next year on favorable terms, without caps or announced interest rates from the parties. [P3] After joining the understanding with Agea, Banca Monte dei Paschi di Siena has introduced new procedures for evaluating the creditworthiness of agricultural enterprises.

This process has been implemented to improve access to agricultural credit and obtain bank credits on favorable terms. The bank has introduced a series of modifications to its credit procedures to attract customers and improve its service of credit. The shared information has been collected from the National Agricultural Information System (SIAN), managed by the Agency for Agricultural Payments (Agea).