On Authority fi ned 23 banks in relation to mortgage portability (including Banca Popolare di Bergamo Group, Banca Popolare Commercio e Industria, Banco di Brescia and Banca Regionale Europea for our Group) accused of unfair commercial practices, inducing customers to choose the replacement option rather than the less costly portability option, making charges not due and furnishing incomplete and inaccurate information.