Banca Popolare del Frusinate

What Banca Popolare del Frusinate does

Banca Popolare del Frusinate (BPF) is a cooperative bank (Società Cooperativa per Azioni) headquartered in Frosinone, Italy, operating 13 branches across the Lazio region (10 in Frosinone province, 3 in Rome) and serving individuals, families, SMEs, professionals, public entities, and its over 1,300 cooperative shareholders (soci). Founded in 1991/1992, BPF operates as a member-owned banca popolare with shares trading on the VORVEL market (ISIN IT0001040820) via Equita Sim S.p.A. The bank delivers a full-service retail and corporate banking product set, including current accounts (Conto Smart, Conto Facile 5, Conto Semplice 10, Conto Tempo Dì), credit and prepaid cards (Nexi and CartaSì partnerships), mortgages, personal and salary-backed loans, ESG-aligned financing (Green Energy, Terra Mia), savings and investment products (time deposits, certificates of deposit, mutual funds), insurance distribution, and member-tiered services (Silver/Gold/Platinum). The technology stack is conventional and partner-dependent: BPF Mobile app (iOS/Android/Huawei), Banking4You internet banking, Csebo corporate portal, Tesoreria Online, PSD2-compliant open banking APIs, and standard security (SSL/TLS, 3D Secure, step-up authentication).

BPF generates revenue from the traditional spread between lending and deposit rates, interchange and fees on Nexi-issued cards, commission on insurance and mutual fund distribution, treasury services for public entities, and a specialized DeskTop corporate division serving medium-to-large enterprises with credit facilities exceeding €1 million. Distribution is anchored in the branch network and complemented by digital channels; customer acquisition leverages Frosinone Calcio main sponsorship, the 'Il Cent' quarterly magazine, and FEduF financial-literacy programs. Recent strategic moves include the 2024 Roma Tuscolana branch opening, the 2026 Happy Summer Time Deposit launch, and the 2026 MBA Mutua health plan partnership for members. The bank reports semi-annual results through CONSOB-authorized channels and is supervised by the Bank of Italy under EU directives (PSD2, MiFID II, IDD).

Name

Banca Popolare del Frusinate

Legal name

Banca Popolare del Frusinate S.C.p.A.

Website

https://bpf.it

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca Popolare del Frusinate is an Italian cooperative bank (banca popolare) headquartered in Frosinone, operating 13 branches across Lazio. It serves retail customers, SMEs, professionals, public entities, and over 1,300 cooperative shareholders with deposits, lending, payments, insurance, and treasury services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Retail banking services
• Cooperative banking
• Small business lending
• Mortgage and personal loans
• Corporate treasury services

Headquarters

HQ city

Frosinone

HQ country

Italy

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Traditional bank lending including mortgages, personal loans, loans against salary (cessione del quinto), student loans (prestiti d'onore), and business financing. Interest income is the primary revenue driver.
2. Deposit Taking and Savings Products: Collection of customer deposits through current accounts, savings accounts, time deposits, certificates of deposit, and investment funds. Revenue generated from the spread between lending and deposit rates.
3. Credit Card Issuing and Merchant Services: Issuing credit cards (Nexi, CartaSì) to retail and business customers. Revenue from interchange fees, annual card fees, and revolving credit interest.
4. Insurance Distribution: Distribution of insurance and pension products (assicurazioni e previdenza) through the branch network, generating commission income.
5. Corporate and Treasury Services: Treasury and cash management services for public administration entities (schools, municipalities) and corporate clients. Advisory and screening services for the DeskTop corporate division.
6. Investment Fund Distribution: Distribution of mutual funds (fondi comuni di investimento) through partnerships with asset management firms, generating distribution commissions.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Banca Popolare del Frusinate is a regional cooperative bank (banca popolare) founded in 1992, providing retail and corporate banking services across the Lazio region of Italy through 13 physical branches and digital channels. It offers current accounts, mortgages, personal and salary-backed loans, credit cards, savings and investment products, insurance distribution, business financing, POS terminals, and treasury services for public entities, alongside tiered member-only benefits for its over 1,300 cooperative shareholders (soci).

Product overview

Banca Popolare del Frusinate operates as a regional cooperative bank serving the Lazio province with a comprehensive range of personal, business, and member banking services. The bank's product portfolio spans digital banking channels (BPF Mobile, Internet Banking, Corporate Banking), personal banking products (Conto Smart, Conto Facile 5, Conto Semplice 10, Conto Tempo Dì), credit cards through Nexi and CartaSì partnerships, various loan products including mortgages, personal loans, student loans (IO STUDIO, IO LAVORO), and salary-backed loans (Cessione del Quinto), and savings/investment products including Time Deposits, deposit certificates, mutual funds, and youth savings accounts (Obiettivo 18, Conto 44 Gatti). Business offerings include dedicated business accounts (Conto PRO, Impresa Small/Medium/Large), business financing, POS terminals, international trade services, treasury services, and the Desktop Corporate area. Member services feature tiered membership accounts (Silver, Gold, Platinum), the Exclusive Members Card, scholarship programs, Vorvel stock market trading, and health insurance through MBA Mutua. The bank operates 13 branches across Frosinone province and Rome, with digital channels including mobile and internet banking.

Differentiator

Problem solved

Functional benefit

Brands

• BPF Mobile: Mobile banking application for iOS and Android devices
• Club BPF
• Exclusive Members Card
• Obiettivo 18
• Conto 44 Gatti
• Io Studio
• Io Lavoro
• Conto Smart
• DeskTop

Products and services

• Conto Smart Current account targeted at customers under 30 years old, combining student and worker accounts with free activation, zero-cost debit card, internet banking, and free ATM withdrawals in Italy.
• Conto Facile 5 Basic general-purpose current account bundling debit card, credit card, internet banking, and cheque services for €5 per month.
• Conto Semplice 10 All-inclusive comprehensive current account with full service bundle for €10 per month, suited for customers seeking maximum convenience.
• Conto Tempo Dì Forfait-based current account dedicated to pension recipients whose pension is credited directly to the bank.
• Nexi Credit Classic Standard Visa credit card offered through the Nexi partnership, accepted everywhere for everyday purchases with full security features.
• Nexi Prestige Premium credit card with a higher spending ceiling (minimum €3,000/month) offering Premium Collection and Gold partner benefits.
• Nexi Excellence Top-tier credit card offering maximum flexibility and personalized service for high-spending customers.
• Carta Revolution Five Low-cost credit card offering fast, flexible, and universally accepted payment solutions with reduced management fees.
• Nexi Prepaid Prepaid card for young people and others, usable worldwide for purchases and online transactions without requiring a current account, with SMS alerts, Nexi app management, and 3D Secure fraud protection.
• Mutuo Ipotecario Secured mortgage loans offered in various configurations tailored to customer needs for property purchase.
• Green Energy Personal Loan Eco-friendly personal loan supporting sustainable investments, covering up to 70% of the investment for green energy projects.
• Prestito Personale Personal loan allowing customers to choose conditions suitable for small and large projects, with flexible rates and durations.
• Prestito IO STUDIO Honor loan for university students to fund educational expenses, offering up to €12,500 over five years at 0.50% TAEG with no personal guarantees required; repayment begins after graduation.
• Prestito IO LAVORO Honor loan for young people entering the workforce, up to €10,000 at fixed 1.00% rate, with up to 3 years of pre-amortization at zero rate and no personal guarantees required.
• Cessione del Quinto Loan for employees and pensioners where repayment occurs through direct deduction from salary or pension up to one-fifth of income, with fixed rates and insurance coverage included (bank-borne cost).
• Prestito Scuola School loan supporting children's study projects, offering up to €600 per family unit at zero interest.
• Time Deposit Flexible term deposit with maturities from 3 months to 10 years, offering competitive returns and various duration options.
• Happy Summer Time Deposit 3-5 year Time Deposit offering competitive returns with semi-annual coupon payments, with rates up to 3.50% gross annual rate, reserved for soci members.
• Certificati di Deposito Deposit certificates offering fixed, constant, and guaranteed returns for short-term savings investment.

Quantifiable outcome

• Interest rate up to 4.00% on Obiettivo 18 savings book for minors
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature9 records

Partnerships

13 partnerships are on record, tiered core, significant and minor.

• Frosinone CalciocoreGTM or Marketing PartnerMain sponsor (Main Sponsor) of Frosinone Calcio, the local professional football club. The sponsorship represents the bank's primary sports marketing investment and demonstrates its commitment to local community support.
• FEduF (Fondazione per l'Educazione Finanziaria e al Risparmio)coreStrategic or Co-development PartnerBPF is a member of FEduF, the Italian Foundation for Financial Education and Savings. Through this partnership, the bank promotes financial literacy programs for young people, aligning its social mission with educational outreach.
• Ente Nazionale per il MicrocreditosignificantStrategic or Co-development PartnerPartnership with the National Microcredit Entity (public body) to offer microcredit products. Up to 80% of loans are covered by the Central Guarantee Fund, with the bank acquiring collateral only for the remaining 20%. Targets self-employed professionals and new/young entrepreneurs.
• InvitaliasignificantStrategic or Co-development PartnerConvention with Invitalia (Ministry of Economic Development) for concessions of benefits to new enterprises with prevalent young and female participation. Investments up to €1.5 million over 24 months qualify for subsidized financing.
• MBA Mutua (MBA Cassa)coreStrategic or Co-development PartnerPartnership with MBA Mutua to provide a free 'Grandi Interventi Chirurgici' (Major Surgical Interventions) health plan to all BPF members without age limit, effective January 31, 2026. Members can optionally extend coverage to their entire family.
• Equita Sim S.p.A.significantChannel Partner/ Reseller/ DistributorEquita Sim S.p.A. acts as the Direct Member (Aderente Diretto) facilitating BPF's stock trading on the VORVEL market (formerly Hi-MTF) for the bank's shares (ISIN IT0001040820).
• A Come A (资产管理)minorChannel Partner/ Reseller/ DistributorPartner investment management firm whose products are offered to BPF customers through the branch network.
• Arca Assicurazioni / ArcaonlineminorChannel Partner/ Reseller/ DistributorArca Assicurazioni and Arcaonline (asset management) products distributed to BPF customers.
• CobapominorChannel Partner/ Reseller/ DistributorPartner whose products are offered to BPF customers through the branch network.
• Banca Leonardo (CA Indosuez)minorChannel Partner/ Reseller/ DistributorInternational banking partner whose products are offered to BPF customers through the branch network.
• Nexi PaymentscoreTechnology or IntegrationNexi Payments is the primary payment card network provider for BPF credit cards (Nexi Credit Classic, Nexi Prestige, Nexi Excellence) and prepaid cards (Nexi Prepaid). Nexi provides processing infrastructure, fraud protection (3D Secure), SMS alerts, and mobile app management.
• CartaSì (Nexi)coreTechnology or IntegrationCartaSì (now part of Nexi) provides business credit card programs including CartaSì Business Plus (for SMEs), CartaSì Corporate (for large enterprises), and related merchant services. BPF issues CartaSì cards across Visa and Mastercard networks.
• ABI (Associazione Bancaria Italiana)significantStrategic or Co-development PartnerBPF participates in ABI-led initiatives including 'Una donna, un lavoro, un conto' (financial inclusion for women), instant payment education, and other national banking system programs.

Scale indicators6 records

Recent moves18 records

Expansion highlights6 records

Broad incumbents

• UniCredit: Italy's largest commercial bank with full-service retail, corporate, and investment banking nationwide. Sets the competitive baseline for Italian retail and SME banking against which BPF must compete in the Lazio market.
• Banca Mediolanum: Large Italian retail and wealth management bank with a network of financial advisors and digital channels. Comparable in retail banking breadth and customer-segment focus, though operating nationally and at significantly larger scale than BPF.
• Intesa Sanpaolo: Italy's leading banking group providing universal retail, corporate, and wealth management services. Major competitive incumbent in the Lazio/Rome territory where BPF has been opening branches since 2013.

Direct peers

• Banca Sella: Family-owned Italian commercial bank with a strong digital and territorial orientation, offering retail, SME, and wealth management products. Comparable to BPF as a mid-sized Italian private bank with regional depth and a product-led approach.
• Credito Emiliano (Credem): Italian regional bank with a strong cooperative and shareholder-base orientation, focused on retail, SME, and private banking in Emilia. Comparable to BPF in community-rooted relationship banking and territorial depth, but operating in a wealthier northern Italian region.
• BPER Banca: One of Italy's leading cooperative-popular banks, headquartered in Emilia-Romagna with a strong territorial footprint across regional Italy. Closely comparable to BPF in cooperative governance, retail/SME focus, and Italian regional banking model, though materially larger in scale.
• Cassa Centrale Banca: Head of the Gruppo Bancario Cooperativo (cooperative banking group) representing the Italian Credito Cooperativo (BCC) network. A natural institutional peer given BPF's status as a banca popolare (member-owned cooperative) operating in the same regulatory and structural framework.
• Banca Popolare di Puglia e Basilicata: Italian cooperative-popular bank serving southern Italian regions with retail, corporate, and member banking services. Closely comparable to BPF in cooperative governance, regional Italian focus, and product portfolio, although operating in a different geographic area.
• ICCREA Banca: Italian cooperative banking group representing Iccrea network of BCCs (cooperative credit banks), supplying capital markets, treasury, and IT services to member cooperative banks. Comparable institutional peer given BPF's cooperative business model.
• Banca del Fucino: Small historic Italian regional bank based in Rome/Lazio serving retail, SME, and private banking clients. Closely comparable to BPF in territorial footprint, scale (community bank tier), and product breadth in the same Lazio region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bpf.it
• LinkedInlinkedin.com/company/banca-popolare-del-frusinate
• Instagraminstagram.com/bancapopolaredelfrusinate
• Xx.com/bpf_it

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banca Popolare del Frusinate