Name

Banca Valsabbina

Legal name

Banca Valsabbina

Website

https://lavalsabbina.it

Company type

Private

Founded year

1898

Operating status

Operating

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

Keywords

• Retail banking services
• Commercial lending
• Wealth management
• Private debt financing
• Payment services

Headquarters

HQ city

Brescia

HQ country

Italy

HQ region

Europe

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages, personal loans, and business financing. Core revenue stream from spread between lending rates and deposit rates.
2. Fee and Commission Income: Account maintenance fees, transaction fees, commission on payment services, card fees, and wealth management/advisory fees.
3. Investment Products Distribution: Distribution of third-party investment products including insurance policies, managed savings, and bonds with associated distribution commissions.
4. Alternative Financing (Minibonds): Private debt market activities including minibond underwriting for Italian SMEs, generating fee income from structuring and subscription.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Banca Valsabbina is a cooperative Italian bank that provides retail and small-business banking services through a regional branch network and digital channels. Its offering spans current accounts (with multiple variants), mortgages, personal and salary-assignment loans, credit/debit cards, private banking, bonds, time deposits, managed savings, life and property insurance, and alternative financing (minibonds and P2P lending via Prestiamoci) for Italian SMEs. Revenue is generated from net interest income on lending, fees/commissions on accounts/cards/distribution, and advisory/wealth management charges.

Product overview

Banca Valsabbina is a traditional Italian bank (founded in 1898) offering a comprehensive suite of banking products and services organized into seven main categories: Conti Correnti (Current Accounts), Investimenti (Investments), Protezione (Protection), Finanziamenti (Financing), Servizi Digitali (Digital Services), Carte e Pagamenti (Cards and Payments), and Soluzioni Green (Green Solutions). The bank serves both retail customers (Privati e Famiglie) and businesses (Imprese). Its account portfolio includes specialized products such as Baby Conto (youth), Conto Zeta (premium), Conto Eco Smart (eco-friendly), Conto Life (tiered lifestyle), and Conto Pensione Facile (pensioners). Investment services encompass Private Banking, bonds, time deposits, insurance investment policies, and managed savings. Digital services include Home Banking, mobile app, SMS alerts, and various payment integrations. The bank has expanded through fintech acquisitions including Prestiamoci (P2P lending platform acquired in 2023) and holds stakes in Credit Service and Finafarm, while also providing alternative financing through minibond transactions for Italian SMEs.

Differentiator

Problem solved

Functional benefit

Products and services

• Current Accounts (Conti Correnti) Personal current accounts for individuals and families, offered in specialised variants including Baby Conto (youth), Conto Zeta (premium), Conto Eco Smart (eco-friendly), Conto Life (tiered lifestyle), and Conto Pensione Facile (pensioners).
• Mortgages (Mutui) Home mortgage loans for purchasing or refinancing residential properties, including loan portability services, for retail customers.
• Personal Loans (Prestiti) Personal loans for various financing needs including consumption, home improvements, and major purchases, for retail customers.
• Cessione del Quinto (Salary-Assignment Loan) Loans repaid by direct deduction of up to one-fifth of the borrower's salary by the employer, for retail customers including employees and retirees.
• Credit Cards (Carte di Credito) Credit card products including the Carta Oro American Express with premium rewards and benefits, for retail customers.
• Debit Cards (Carte di Debito) Debit card products linked directly to current accounts for immediate payments and ATM withdrawals, for retail customers.
• Private Banking Service Wealth management and personalised investment advisory services for high-net-worth individuals.
• Proprietary and Third-Party Bonds (Obbligazioni Proprie e di Terzi) Fixed-income investment opportunities through proprietary and third-party bond offerings for retail customers.
• Time Deposit Fixed-term deposit accounts offering guaranteed returns for specified investment periods, for retail customers.
• Managed Savings (Risparmio Gestito) Discretionary portfolio management services for professionally managed investments, for retail customers.
• Investment-Linked Insurance Policies (Polizze Assicurative di Investimento) Insurance policies combining savings and investment components, for retail customers.
• Life and Property Insurance Policies (Polizze Assicurative Vita e Danni) Life and property/casualty insurance policies protecting savings, investments, and personal wellbeing, for retail customers.
• Card and Digital Service Protection (Protezione Carte e Servizi Digitali) Security services protecting credit and debit cards and digital banking channels from fraud, for retail customers.
• Home Banking Online banking platform enabling account management, transfers, payments, and transaction monitoring for retail and business customers.
• Mobile Banking App (App Bancaria) Mobile application providing on-the-go access to banking services for retail and business customers.
• SEPA Instant Transfer (Bonifico SEPA Istantaneo) Instant SEPA credit transfer service enabling real-time money transfers available 24/7, irrevocable once executed.
• Minibond Underwriting (Private Debt for SMEs) Arranging and underwriting of minibond issuances by Italian SMEs, providing alternative capital beyond traditional bank loans (e.g., €2M minibond for SGM Magnetics SpA).
• Prestiamoci (Peer-to-Peer Lending Platform) Wholly-owned peer-to-peer lending platform providing digital financing solutions for professionals and entrepreneurs in Italy.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature3 records

Partnerships

One partnership is on record.

• PrestiamocicoreStrategic or Co-development Partner · 5 December 2023Banca Valsabbina acquired Prestiamoci, a fintech platform specializing in peer-to-peer lending in Italy. The deal aims to support Prestiamoci's development and diversification, including digital financing solutions for professionals and entrepreneurs. This acquisition represents Banca Valsabbina's strategic move into the fintech/p2p lending space.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Credito Emiliano (Credem): Italian regional bank headquartered in Emilia-Romagna serving retail, SME, and private banking customers through a branch network. Closely comparable to Banca Valsabbina in scale, regional focus, and full-service retail/SME banking model in Northern/Central Italy.
• Banca Popolare di Puglia e Basilicata: Italian cooperative bank (banca di credito cooperativo) serving retail and SME customers in Southern Italy with traditional banking products. Same ownership structure and member-based cooperative model as Banca Valsabbina, though operating in a different Italian region.
• Cassa Centrale Banca: Italian cooperative banking group acting as the central institution for the BCC (banche di credito cooperativo) network. Directly comparable institutional and ownership model to Banca Valsabbina and serves overlapping retail/SME customer segments across Italy.
• Iccrea Banca: Italian cooperative banking group providing central services and products to the BCC network, including capital markets, digital banking, and asset management. Highly comparable cooperative banking model and overlapping retail/SME customer base with Banca Valsabbina.
• Banca Sella: Italian family-owned bank serving retail, SME, and private banking customers with a strong regional presence in Northern Italy. Similar mid-size, multi-product retail/commercial banking model to Banca Valsabbina.

Broad incumbents

• BPER Banca: Mid-sized Italian commercial bank with strong regional roots across Emilia-Romagna and Northern Italy, serving retail and SME customers. Larger and more geographically diversified than Banca Valsabbina, but operates in similar retail/commercial banking categories.
• Banca Mediolanum: Italian bank specializing in wealth management, advisory, and family banking services for retail customers, with significant Northern Italian presence. Comparable private banking and investment product overlap with Banca Valsabbina, though Mediolanum operates at much larger scale and via financial advisors rather than branches.
• Banco BPM: Major Italian retail and corporate bank formed through the merger of Banco Popolare and BPM, with strong Northern Italian presence. Operates in overlapping retail, SME, and private banking categories but at significantly larger scale than Banca Valsabbina.

Emerging players

• Illimity Bank: Italian digital-first bank and fintech platform serving SMEs and corporate distressed-credit customers. Comparable focus on alternative SME financing and digital banking initiatives that overlap with Banca Valsabbina's Prestiamoci and minibond activities.

Regional players

• Banca Popolare di Bari: Italian regional bank serving retail and SME customers in Southern Italy. Similar full-service retail/commercial banking model and scale to Banca Valsabbina, though operating in a different Italian region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/banca-valsabbina

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments7 records

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

Frequently asked questions about Banca Valsabbina