Value of credit at the end of the year (billions of euro) Position1 5° 1 Internal processing of Assifact (national association of factor companies) data (09/2009) 100% UBI Banca These are among the leading national operators in their different sectors of ordinary and subsidised leasing for private individuals and businesses (property, machinery and equipment, auto, nautical, aeronautical and rail) and in the fi nancial and operational management of credit for businesses.