The distribution of private savings in Italy
According to Unimpresa’s research center, Lombardy and Lazio are the main hubs of private savings in Italy, holding 22% and 16.3% of the national total, respectively. Together, they account for nearly 40% of total savings, with a combined value exceeding 2,094 billion euros.
The central role of households in the financial system
Household savings are the cornerstone of Italy’s financial system. Nationwide, households hold 1,137 billion euros, making up 54.3% of total savings. Their significance is particularly evident in the South and the Islands, where they represent 73.8% and 72% of overall savings.
Territorial disparities in savings
Savings distribution is highly uneven:
- The Northwest accounts for 30.8% of the national total, led by Lombardy.
- The Center contributes 24.6%, with Lazio at the forefront.
- The South and Islands together account for less than 20%, underlining the economic gap among Italy’s macro-regions.
The contribution of companies and family businesses
Companies hold 450.6 billion euros, or 21.5% of the national total, with a stronger presence in the North. Family businesses, in contrast, account for only 4.3%, with a notable concentration in the Northeast, where their share rises to 5%.
Regions leading in savings
- Lombardy: With 459.7 billion euros, it is the wealthiest region, balanced between household (50.1%) and company (30.3%) savings.
- Lazio: Holding 340.8 billion euros, it leads the Center, thanks to the economic pull of Rome.
- Campania and Sicily: These regions dominate the South and the Islands but rely heavily on household savings.
Unimpresa’s statement
Unimpresa president Giovanna Ferrara highlights Italy’s polarization in savings: “Northern regions are excessively wealthy, while the South struggles. Addressing these economic disparities is crucial for fostering balanced development.”
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