Banca Popolare di Bari

What Banca Popolare di Bari does

Banca Popolare di Bari, operating under the legal name BdM Banca S.p.A., is an Italian regional bank founded in 1960 and headquartered in Bari, Apulia. It operates within Gruppo Bancario Mediocredito Centrale, with MedioCredito Centrale-Banca del Mezzogiorno S.p.A. serving as its parent entity. The bank is registered and supervised by Banca d'Italia, holds a subscribed share capital of €622,303,241.00, and employs between 501 and 1,000 people. Its commercial footprint is concentrated in Southern Italy, with a multi-segment mandate covering retail, self-employed professionals, small and medium-sized enterprises, corporates, and public administration entities.

The bank's product suite spans deposit accounts, mortgages, personal and business loans, payment cards issued in partnership with Nexi, American Express, and TelePass, green and sustainability-linked lending (Mutuo Green, Sustainability Linked Loan), and insurance distribution. Digital delivery is supported by Internet Banking, Mobile Banking, and CBI (Corporate Banking Interbancario) channels, alongside PSD2-compliant AISP/PISP open-banking capabilities. The bank also operates a portfolio of segment-specific sub-brands — including BdM Privati, BdM Imprese, BdM Premium, BdM Green, ColtiviamoValore (agriculture), Futura (youth), Saniticket (healthcare), and Terzo Settore (third sector) — that translate its commercial strategy into verticalized product lines.

Revenue mechanics combine net interest income from lending and deposit gathering, fee and commission income from payment cards, insurance brokerage, and corporate banking services, plus interbank and guarantee-related fees. Operational linkages to MCC Factor, the Fondo di Garanzia, the Fondo Interbancario di Tutela dei Depositi, and the Fondo Nazionale di Garanzia indicate the bank operates within state-backed credit guarantee and deposit protection frameworks that materially shape its funding cost, lending capacity, and risk profile.

Name

Banca Popolare di Bari

Legal name

BdM BANCA Società per azioni

Website

https://popolarebari.it

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Italian regional bank headquartered in Bari, serving retail, self-employed, SMB, corporate, and public administration clients across Southern Italy as part of Gruppo Bancario Mediocredito Centrale.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Commercial Banks, Nec (6029)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), Public Sector Retail Banks (State-Owned Commercial Banks) (FSABAKAL)

Keywords

• Retail banking services
• Commercial banking solutions
• Mortgage lending products
• Corporate banking services
• Wealth management deposits

Headquarters

HQ city

Bari

HQ country

Italy

HQ region

Europe

Offices1 record

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: Traditional lending operations including mortgages (mutui), personal loans, and business loans generating interest income
2. Fee and Commission Income: Transaction fees from services including wire transfers (bonifici), MAV/RAV payments, card transactions, and account management fees
3. Card Services: Debit cards, prepaid cards, credit cards (Nexi, American Express) and associated transaction fees
4. Insurance Products: Distribution of insurance products through banking channels

Distribution channels5 records

Marketing channels4 records

Core offering

Banca Popolare di Bari (legally BdM Banca S.p.A.) is an Italian retail and commercial bank that provides deposit accounts, loans, mortgages, payment cards, insurance distribution, and digital banking services to individuals, self-employed professionals, small and medium enterprises, corporate clients, and public administration entities. It operates through physical branches, Internet Banking, Mobile Banking, and Corporate Banking Interbancario (CBI) channels.

Product overview

BdM Banca (Banca Popolare di Bari) is a retail and commercial banking institution operating as part of the Gruppo Bancario Mediocredito Centrale. Its product portfolio spans five customer segments — Privati (retail individuals), Partite IVA (self-employed professionals and artisans), Piccole Imprese (small businesses), Corporate (mid-to-large enterprises), and Enti e PA (public administration entities) — delivered through a multi-channel distribution model comprising physical branches, Internet Banking (Home Banking NG), Mobile Banking, and Corporate Banking Interbancario (CBI). The product range includes core banking services (current accounts, deposits, loans, and mortgages), co-branded card products (Nexi Excellence, Carta TelePass, Nexi credit cards, American Express credit cards, debit cards, and prepaid cards), ESG-linked financing (Sustainability Linked Loan, Mutuo Green), specialized sector offerings (ColtiviamoValore for agriculture, Terzo Settore for non-profits, Futura, ATHORENDIMENTOPIU premium for wealth management), and ancillary services (SANITICKET for healthcare payments, MCC Factor for factoring). Onboarding is supported through dedicated Kits (Kit Benvenuto Smart for businesses, Kit FormulAzienda for larger enterprises). The bank also provides AISP and PISP services under PSD2 open banking regulations.

Differentiator

Problem solved

Functional benefit

Brands

• BdM privati: Online banking service for private individuals
• BdM imprese
• BdM Premium
• ColtiviamoValore
• Futura
• SANITICKET
• BdM Green
• TERZOSETTORE

Products and services

• BdM Privati Retail banking services for individual customers, encompassing current accounts, deposits, loans, mortgages, insurance distribution, and pension payments, accessible via branch, Internet Banking, and Mobile Banking.
• BdM Partite IVA Banking solutions tailored for self-employed professionals (Liberi Professionisti) and artisans (Artigiani), addressing their specific business and financial management needs.
• BdM Piccole Imprese Sector-specific banking products and services designed for small businesses, supporting their growth and operational financial needs.
• BdM Corporate Specialist personalized banking solutions supporting corporate clients' growth trajectories through customized financial instruments.
• BdM Enti e PA Banking partnership services for Public Administration entities, providing financial solutions tailored to public sector requirements.
• Internet Banking (Home Banking) Online banking platform enabling customers to manage accounts, execute transactions, and access banking services via the web, with dedicated private (BdM privati) and business (BdM imprese) portals.
• Mobile Banking Smartphone-based banking application enabling account access and transactions via mobile devices.
• Corporate Banking Interbancario (CBI) Interbank corporate banking service enabling business customers to conduct cross-bank payment and reporting operations.
• ColtiviamoValore Banking product focused on agricultural and farming sector value creation.
• Nexi Excellence Premium credit card issued in partnership with Nexi, offering elevated spending limits and exclusive benefits for high-value customers.
• ATHORENDIMENTOPIU premium Premium savings and investment account product offering enhanced returns for customers seeking higher-yield deposit solutions.
• Mutuo Green Green mortgage designed for property renovation and construction, supporting energy-efficient building projects and sustainable property improvements.
• Futura Banking product targeting specific customer segments with dedicated financial solutions.
• Terzo Settore Specialized banking solutions for third-sector organizations (non-profits, associations, social enterprises), addressing their unique financial and operational needs.
• Sustainability Linked Loan ESG-linked loan product where borrowing costs are tied to the achievement of sustainability performance targets, incentivizing environmental and social improvements.
• Carta TelePass Co-branded payment card integrated with the TelePass toll collection service, enabling drivers to pay highway tolls and parking through a single card solution.
• SANITICKET Health ticket payment service enabling customers to pay healthcare-related fees and medical charges through the bank's digital and physical channels.
• MCC Factor Factoring service provided through the bank's group company MCC Factor, enabling businesses to manage accounts receivable and improve cash flow.
• Carta di debito/Bancomat Debit card offering ATM cash withdrawals, point-of-sale payments, and card blocking services (domestic and international) for everyday banking transactions.
• Carta prepagata Prepaid card offering secure, reloadable payment capabilities without requiring a traditional bank account.
• Carta di credito Nexi Credit card issued in partnership with Nexi, providing consumer credit facilities with domestic and international card blocking support.
• Carta di credito American Express American Express credit card offering premium cardholder benefits, rewards, and worldwide acceptance, with dedicated international card blocking numbers.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Nexi PaymentscoreTechnology or IntegrationCredit card processing partner providing Nexi debit and credit card services including Nexi Excellence premium card; card blocking service available at 800 151 616
• Fondo di Garanzia per le PMIcoreStrategic or Co-development PartnerItalian Ministry of Economic Development guaranteed loan program (Law 662/96) enabling access to credit for small and medium enterprises through state-backed guarantees
• MCC FactorminorChannel Partner/ Reseller/ DistributorFactoring services partnership within the Mediocredito Centrale Group for invoice factoring and receivables management

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BPER Banca: Italian mid-sized commercial bank serving retail, SME, and corporate segments across multiple regions with a strong branch network. Closely comparable to BdM in scale, customer mix, and multi-channel distribution model.
• Banca Popolare di Sondrio: Italian cooperative-popular bank with regional roots, retail and SME focus, and a national branch and digital network. Comparable as a peer Italian popular/cooperative bank with similar segment focus.
• Credito Emiliano (Credem): Italian regional commercial bank with strong private, SME, and wealth management presence. Comparable as a similarly sized Italian regional franchise emphasizing advisory and relationship banking.
• Banca Popolare Pugliese: Regional cooperative-popular bank headquartered in Apulia, directly overlapping with BdM Banca's core geography and customer base. Highly comparable as a direct local competitor in the same southern Italian market.
• ICCREA Banca: Italian banking group serving cooperative credit banks (BCCs) with corporate, investment, and funding services. Comparable as an Italian cooperative-banking ecosystem counterpart with similar institutional DNA.

Broad incumbents

• Banco BPM: Italian mid-to-large incumbent commercial bank with nationwide retail, corporate, and private banking coverage. Comparable as a larger incumbent in the same retail/SME banking space that competes for similar customers.
• Banca Monte dei Paschi di Siena: Italian incumbent commercial bank with significant state (Treasury) ownership and a national retail/SME franchise. Comparable as a state-influenced Italian banking institution with similar oversight and recapitalization history.
• Intesa Sanpaolo: Italy's largest banking group with full retail, corporate, and public-sector coverage. Comparable as the dominant incumbent competitor whose scale and pricing power shape the environment for regional peers like BdM.
• UniCredit: Italian-headquartered pan-European banking group with strong retail, SME, and corporate banking franchises in Italy. Comparable as a major incumbent competitor for SME lending, retail deposits, and corporate banking across Italy.

Others

• Cassa Depositi e Prestiti (CDP): Italian state-owned financial institution supporting public investment and SME financing. Comparable as the broader state-backed development finance ecosystem within which BdM Banca's parent Mediocredito Centrale operates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/popolarebari

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Banca Popolare di Bari