The Italians own about 46 million postal interest-bearing bonds for an equivalent value of 334.8 billion euros. Postal bonds represent a form of investment that still attracts a huge number of savers, because they are considered safe and reliable, guaranteed by a solid entity such as Poste Italiane. The southern regions are the most fond of saving bonds: Molise has over 778 thousand certificates, on average 2 bonds for each inhabitant. Campania records 12 million euro in savings books and active interest-bearing bonds, with Avellino even scoring 3.26 bonds per capita. In Lombardy, the most populous region in Italy, active interest-bearing bonds stand at 5.7 million. The figure of Sardinia is also significant, with a regional total that exceeds 850,000 subscriptions and the record held by South Sardinia (251,807 units), followed by the province of Sassari (180,580), the metropolitan city of Cagliari (171,556) and the province of Oristano (153,107). The province of Nuoro closes the ranking with 95,001 active interest-bearing certificates. The postal interest-bearing bonds, which can be paper or digital, are issued by Cassa Depositi e Prestiti S.p.A. (CDP), a company controlled by the State and which is direct guarantor of the bonds issued, which are placed exclusively by Poste Italiane. The annual gross yield is equal to 2.50%, conferred at maturity; however, interest begins to be recognized after 1 year from the subscription and subsequently every two months, and paid on the refund of the certificate.