Human Capital is a company’s most important asset, sometimes its only asset. It is human capital that dreams, creates, invents and innovates. Investing in people is smart business.

“We knew that cash is lent to people who don’t need it, it is an old banking law. And I had very little to offer as a guarantee. However, I found a bank in Modena – then a small bank that bore the name of the patron saint San Geminiano – which saw things differently: On some occasions, it placed its trust not so much in the assets and capital of the potential debtor but in his presumed abilities. I was one of those occasions.”

Enzo Ferrari, 1980.