Banca Popolare del Cassinate

What Banca Popolare del Cassinate does

Banca Popolare del Cassinate (Società Cooperativa per Azioni) is an Italian regional cooperative bank founded in 1955 in Cassino and headquartered at Piazza A. Diaz, 14. It operates as a full-service retail and commercial bank under Banca d'Italia registration (ABI 05372) and IVASS supervision, serving individuals, small and medium businesses, member-shareholders (Soci), and a dedicated youth segment (ages 18–36). Its core product set spans current accounts (BPC Conto Facile, BPC Conto Giovani), savings passbooks, mortgages, personal loans (including PayTAN up to €5,000), debit/credit/prepaid cards, insurance, investment products, and supplementary pensions, distributed through an omnichannel model of 27+ branches and 50+ ATMs across Lazio (Frosinone, Latina, Rome), self-service terminals (BPC ON), and digital channels including InBank internet banking, the BPC Mobile app, the ioinBanca online onboarding platform, and Apple Pay.

The bank monetizes via traditional net interest income on loans and mortgages, plus recurring transaction fees and commissions across tiered subscription accounts priced from €2 (youth) to €9 (premium) per month. Membership in the cooperative (Soci) confers governance participation and dedicated services such as the BPC 1955 reserved area inside the Cassino flagship. Recent strategic activity includes the 2023 Ponza and 2024 Rome branch openings, an Innovation Hub launched in June 2025, ongoing NPL securitizations (2018, 2020, 2023, 2024), and a publicly declared position against external aggregation. Social capital stands at €108,652,300 as of December 31, 2025, with a reported 2025 net profit of €10 million and growing dividends; the bank was ranked first in Lazio in the MF Index Atlante delle Banche Leader in 2018 and 2019.

Name

Banca Popolare del Cassinate

Legal name

Banca Popolare del Cassinate Società Cooperativa per Azioni

Website

https://bancapopolaredelcassinate.it

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca Popolare del Cassinate is an Italian regional cooperative bank founded in 1955, serving retail, business, member-shareholders, and youth customers across Lazio through 27+ branches, digital banking platforms (InBank, BPC Mobile), and a full suite of accounts, loans, mortgages, cards, and insurance products.

Ownership category

akta.pro rank

Product category

Retail Banking (Cooperative Bank)

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

Functions Related To Depository Banking, Nec (6099), State Commercial Banks (6022)

akta.pro primary industry

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

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Mortgage lending
• Digital banking

Headquarters

HQ city

Cassino

HQ country

Italy

HQ region

Europe

Offices27 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from loans, mortgages, and credit facilities extended to retail and business customers
2. Fee and Commission Income: Account maintenance fees, transaction fees, service commissions from current accounts, payment services, and financial products
3. Investment Products: Distribution of investment products, insurance, and pension funds to customers
4. Digital Banking Services: Revenue from digital banking services including InBank and mobile banking

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Banca Popolare del Cassinate is a regional Italian cooperative bank that provides retail and small-business banking services, including current accounts (Conto Facile, Conto Giovani), savings passbooks, mortgages, personal loans (PayTAN up to €5,000, Famiglia, Comodo), payment cards (debit, credit, prepaid), insurance, investment products, and supplementary pensions. The bank distributes these products through 27+ branches, 50+ ATMs, InBank internet banking, a BPC Mobile app, BPC ON self-service terminals, and an ioinBanca online platform, serving individuals, businesses, youth, and cooperative members in the Lazio region.

Product overview

Banca Popolare del Cassinate operates as a regional cooperative bank offering a comprehensive suite of banking products through an omnichannel distribution model. The core offering includes current accounts (BPC Conto Facile, BPC Conto Giovani, Libretti di deposito a risparmio), mortgages (Mutui BPC), personal loans (Prestiti Personali including PayTAN, Famiglia, Comodo), cards, insurance, investments, and supplementary pensions. Digital banking services are delivered through InBank (internet banking), BPC Mobile App, and the online platform ioinBanca. The bank serves distinct customer segments: Privati (individuals), Business, Soci (members), and Giovani (youth aged 18-36) through 28+ branches across Lazio, with premium BPC Flagship branches and BPC ON self-service points. Specialized initiatives include Prima Idea for startup support and BPC Young for youth banking.

Differentiator

Problem solved

Functional benefit

Brands

• InBank: Servizio di Internet Banking della Banca Popolare del Cassinate che permette di accedere al conto corrente, verificare il bilancio personale e familiare, effettuare operazioni bancarie online.
• BPC Mobile
• ioinBanca
• BPC Young
• Prima Idea
• BPC 1955
• BPC ON
• BPC Valori Vincenti
• BPC per la Cultura
• BPC per lo Sport
• BPC News

Products and services

• BPC Conto Facile
• BPC Conto Giovani
• Libretti di deposito a risparmio
• Mutui BPC
• Prestiti Personali BPC
• Carte BPC
• Assicurazioni BPC
• Investimenti BPC
• Previdenza Complementare BPC
• InBank
• BPC Mobile App
• ioinBanca
• Business banking services (Conti correnti, Mutui, Prestiti, Servizi incassi e pagamenti, Assicurazioni, Investimenti, Previdenza complementare)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Università degli Studi di Cassino e del Lazio MeridionalecoreStrategic or Co-development PartnerBanca Popolare del Cassinate is a partner of the University of Cassino and Lazio Meridionale, supporting academic initiatives, student scholarships, and collaborative projects. The bank collaborates with university representatives on the Prima Idea initiative to evaluate innovative business proposals from young entrepreneurs.
• ASD Cassino CalciominorOthersSports sponsorship partnership supporting local football club
• Virtus CassinominorOthersSports sponsorship partnership with local sports team
• CUS (Centro Universitario Sportivo)minorOthersSports sponsorship partnership with university sports center

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Banca Mediolanum: Italian retail bank with strong family/private banking and bancassurance distribution. Comparable retail deposit-taking and wealth/insurance product mix, but operates with a digital-first, national model rather than a regional branch network.
• Credito Emiliano (Credem): Mid-sized Italian retail and SME bank with strong regional roots and a broad product set (banking, insurance, asset management). Comparable customer base and product breadth, though larger and not a cooperative.
• Banco BPM: Top Italian banking group formed from the merger of Banco Popolare and BPM, with deep retail and SME presence across northern/central Italy. Comparable core product set and customer segments at substantially larger scale.
• BPER Banca: Major Italian regional banking group with multi-region presence and significant SME/retail banking exposure. Comparable customer mix to BPC but at much larger scale following recent consolidations (e.g., Carige).
• Intesa Sanpaolo: Italy's largest banking group with universal retail, SME, and corporate offerings plus bancassurance. Sets the competitive benchmark on digital, capital, and pricing that BPC and other regional cooperative banks must match.

Direct peers

• Banca Popolare di Sondrio: One of Italy's largest surviving banche popolari, still operating as a cooperative bank focused on regional retail and SME banking. Comparable cooperative structure, customer mix, and product breadth, though at meaningfully larger scale.
• ICCREA Banca: Banking group that aggregates and supports Italian cooperative credit banks (banche di credito cooperativo). Closely comparable institutional peer for cooperative-banking strategy and group-level services.
• Banca Popolare di Puglia e Basilicata: Italian cooperative 'banca popolare' operating regionally with deposit-taking, lending, and community-focused banking. Highly comparable in legal form, regional depth, and target customer mix to BPC.
• Banca di Credito Popolare (Popolare di Torre del Greco): Italian cooperative banca popolare; BPC holds a financial stake in this institution per disclosed partnerships. Operates in the same legal and business model category (regional cooperative retail banking).
• Banca Popolare di Bari: Southern Italian cooperative bank with regional retail/SME focus. Highly comparable legal form, target segments, and community-banking approach, with similar post-restructuring dynamics common to smaller Italian cooperative banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bancapopolaredelcassinate
• Instagraminstagram.com/bancapopolaredelcassinate
• LinkedInlinkedin.com/company/bancapopolaredelcassinate

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

Investments

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

Frequently asked questions about Banca Popolare del Cassinate