Degree in Business Economics, Luigi Bocconi University, Italy. 1977-87, Banco Lariano; 1987-89, McKinsey and Company; 1989-91, Bain Cuneo; 1991-94, General Manager, Riunione Adriatica di Sicurtà. With Credito Italiano: 1994, Deputy General Manager; 1995, Chief General Manager; 1997-2010, Chief Executive Officer. Currently Owner and CEO, Appeal Strategy & Finance. President, European Banking Federation, Brussels. Member of the Board: Luigi Bocconi University; Arnaldo Pomodoro Foundation.