Banca di Piacenza

What Banca di Piacenza does

Banca di Piacenza is an Italian cooperative bank (società cooperativa per azioni) founded on June 26, 1936 in Piacenza, operating across Emilia-Romagna, Liguria, and Lombardia through 55 branches and approximately 490 employees. The bank serves individuals, families, small and medium enterprises (PMI), and a base of approximately 20,000 cooperative shareholders (soci), holding total funding (raccolta complessiva) of €7.4 billion and net customer loans (impieghi) of €2.4 billion as of December 31, 2025.

Its offering spans tiered retail and business accounts (Conto Valore Smart/BPC, Conto di Base, Conto Valore Giovani, Conto 44 gatti for retail; Conto Valore Impresa Elite/Superior/Premium/Standard for businesses), mortgages, personal and agricultural loans, investment products through Anima and Arca SGR, and an extensive insurance catalog distributed via Arca Assicurazioni and Net Insurance. The underlying technology stack includes proprietary digital banking platforms PCBANK Family (retail) and PCBANK Impresa / Temporeale Light / Teso Web (business), mobile apps with Apple Pay and Nexi Pay integration, merchant acquiring via SmartPOS/SmartPOS Mini and Worldline, and PSD2-compliant Open Banking APIs delivered through SIA's Open Banking Platform.

Revenue is generated through three core streams: net interest income (€83.6M in 2023, rising with rates), net commissions (€44.7M in 2023, stable), and net financial management result (€122.1M in 2023), supplemented by bancassurance distribution fees. The bank reported FY2023 net profit of €29.97 million (+45.41% YoY) and continued profit growth of +17.38% in 2025, supported by CET1 and TCR ratios of 20.03% and a non-performing loan ratio (sofferenze) of 0.23% versus a system average of 0.98%, with the Piano Strategico 2024-2026 targeting €95M cumulative net profit.

Name

Banca di Piacenza

Legal name

Banca di Piacenza soc. coop. per azioni

Website

https://bancadipiacenza.it

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

1–10 employees

Short description

Banca di Piacenza is an Italian cooperative bank founded in 1936, operating 55 branches across Emilia-Romagna, Liguria, and Lombardia to serve retail customers, SMEs, and approximately 20,000 cooperative shareholders with deposits, lending, digital banking, and insurance products.

Ownership category

akta.pro rank

Product category

Cooperative Retail and Corporate Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

Keywords

• Retail banking services
• Cooperative banking
• Corporate banking
• Mortgage lending
• Bancassurance products

Headquarters

HQ city

Piacenza

HQ country

Italy

HQ region

Europe

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Margine di interesse (Interest Income): Traditional banking interest income from lending activities. Net interest income of 83.6 million euros in 2023, up from 63.3 million in 2022, driven by rising interest rates. Represents core revenue stream from mortgage loans, business financing, and personal loans.
2. Commissioni nette (Net Commissions): Fee income from banking services including payment services, insurance product placement, and asset management. Net commissions of 44.7 million euros in 2023, substantially in line with 2022 (+0.74%).
3. Risultato netto gestione finanziaria: Net financial management result including trading activities and securities gains. Increased by 22.3 million euros (+23.77% vs 2022) to 122.1 million euros in 2023.
4. Bancassicurazione (Bancassurance): Distribution of insurance products through bank branches including Arca Assicurazioni, Net Insurance, Tutto Tondo auto insurance, health policies, and property coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Banca di Piacenza is a cooperative bank (banca popolare) that provides retail and corporate banking services across 55 branches in Emilia-Romagna, Liguria, and Lombardia. Its core offering spans current and savings accounts, mortgages, personal and business loans, mutual funds and portfolio management, bancassurance (auto, health, home, life, pet, credit protection), payment cards via Nexi, merchant acquiring services (POS/e-commerce), and digital banking platforms (PCBANK Family, PCBANK Impresa, Temporeale Light, Teso Web). The bank serves approximately 90,000 current accounts, ~20,000 shareholder-members (soci), and manages over €10 billion in deposits and loans.

Product overview

Banca di Piacenza is a cooperative bank (Banca popolare) offering a comprehensive suite of retail and corporate banking products and services. The offering consists of multiple product lines spanning: (1) current and savings accounts for individuals (Conto Valore Smart, Conto Valore BPC, Conto di Base, Conto Valore Giovani, Conto 44 gatti) and businesses (Conto Valore Impresa in four tiers); (2) investment products including time deposits, mutual funds, and discretionary portfolio management through Anima and Arca SGR; (3) insurance products for individuals (auto, health, home, pet, LTC, accident, life, investment-linked policies via Arca Assicurazioni and Net Insurance brands) and businesses (commercial insurance, catastrophic risk, key-person insurance); (4) financing products including personal loans, salary-backed loans, mortgages, and agricultural/business loans; (5) digital banking platforms (PCBANK Family, PCBANK Impresa, Temporeale Light, Teso Web, Fideiussioni Digitali) accessible via web and mobile; (6) payment cards through Nexi (debit, credit tiers from Classic to Black for retail, Business and Corporate for businesses); (7) merchant acquiring services (SmartPOS, SmartPOS Mini, E-commerce) processed via Worldline; and (8) a Soci BPC membership program with tiered shareholder benefits. All products are available across the bank's 55-branch network in Emilia-Romagna, Lombardy, and Liguria, with digital channels providing 24/7 access.

Differentiator

Problem solved

Functional benefit

Products and services

• Conto Valore Smart
• Conto Valore BPC
• Conto di Base
• Conto Valore Giovani
• Conto 44 gatti
• Conto Valore Impresa (Elite, Superior, Premium, Standard)
• Conto di Deposito Vincolato
• Fondi Comuni (Mutual Funds)
• Gestioni Patrimoniali
• Premiati con Anima
• Arca Previdenza
• Tutto Tondo
• Acuore
• SìPrevisto
• Ama&Proteggi - Casa a modo tuo
• Zero Pensieri
• ETF Energy! 3.0
• Ingegno 951
• Piano Risparmio Oscar 100%
• Net CPI Mutui
• Net CPI Prestiti
• Net LTC
• Net PET
• Net Incendio
• Net TCM
• Imprimis Commercio e Artigiano
• Net PMI Catastrofali
• Tutela Attività New
• Gamma Arca Valore Impresa
• Net CPI Business
• Polizza K-Man
• Prestito Passpartù
• Prestito con Cessione del Quinto dello Stipendio
• Mutuo Ipotecario
• Sospensione Mutui per Eventi Calamitosi
• Finanziamenti Business
• Finanziamenti per l'Agricoltura
• PCBANK Family
• PCBANK Impresa
• Temporeale Light
• Documentazione Bancaria Online
• Carta di Debito Nexi
• Carta di Credito Nexi Classic
• Carta di Credito Nexi Prestige
• Carta di Credito Nexi Excellence
• Carta di Credito Nexi Black
• Carta di Credito Nexi Business
• Carta di Credito Nexi Corporate
• SmartPOS
• SmartPOS Mini
• E-commerce
• Soci BPC Membership Program
• Teso Web
• Fideiussioni Digitali

Quantifiable outcome

• Net profit increased 17.38% in 2025
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature4 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• POP NPLs 2019 s.r.l. / Prelios Credit ServicingminorOthers · 10 December 2019NPL securitization transaction where Banca di Piacenza sold a portfolio of non-performing loans (sofferenze) to POP NPLs 2019 s.r.l. as part of a multi-bank transaction. Prelios Credit Servicing appointed as Master Servicer for collection and recovery activities.
• POP NPLs 2018 s.r.l. / Cerved Credit ManagementminorOthers · 31 October 2018Earlier NPL securitization transaction where Banca di Piacenza sold non-performing loan portfolio to POP NPLs 2018 s.r.l. Cerved Master Services and Cerved Credit Management appointed for administration and recovery.
• Arca Assicurazioni / Arca VitacoreChannel Partner/ Reseller/ DistributorBanca di Piacenza distributes insurance products from Arca Assicurazioni including Arca Previdenza pension funds, Arca Soluzione strada auto insurance, Arca Energia futuro sustainability product, and various life insurance products like Ingegno 951 and ETF Energy 3.0.
• Net InsurancecoreChannel Partner/ Reseller/ DistributorPartnership for insurance products including Net CPI Mutui and Net CPI Prestiti (credit protection), Net Incendio (property), Net LTC (long-term care), Net PET (pet insurance), and Net PMI Catastrofali (catastrophic risks for businesses).
• Tutto TondocoreChannel Partner/ Reseller/ DistributorComplete auto insurance product offered through the bank for vehicle coverage.
• NexicoreTechnology or IntegrationPayment card services including Nexi Debit (debit cards), Nexi Classic/Prestige/Excellence/Black credit cards for retail and business customers. Also provides mobile payment solutions including Nexi Pay and Apple Pay integration. Nexi handles card issuance, processing, and fraud protection services.
• ApplecoreTechnology or IntegrationApple Pay integration allowing customers to pay with cards using Apple devices. Part of digital banking services strategy.
• SIAcoreTechnology or IntegrationTechnology partner providing PSD2/Open Banking API infrastructure (cse-piacenza-psd2.obp.sia.eu) enabling Third Party Provider access to account information and payment initiation services as required by European payment services directive.
• Accademia della Cucina PiacentinacoreStrategic or Co-development PartnerCo-organization of the Süppéra d'Argint cooking competition, a major regional culinary event. Banca di Piacenza hosts the award ceremony at PalabancaEventi and sponsors the competition along with Camera di Commercio and Fondazione di Piacenza e Vigevano.
• Palazzo Galli / PalabancaEventiminorOthersCultural venue acquired by the bank in 1997, originally the bank's first branch location in 1937. Now operates as a cultural center hosting exhibitions, concerts, conferences, and events including the Süppéra d'Argint award ceremony. Managed by the bank for community benefit.

Scale indicators15 records

Recent moves12 records

Expansion highlights6 records

Broad incumbents

• UniCredit: Pan-European banking group with a large Italian retail and corporate franchise. Competes with BPC for regional SME and household relationships in Lombardia and Emilia-Romagna and sets competitive pricing benchmarks.
• Intesa Sanpaolo: Italy's largest banking group offering retail, corporate, wealth management and insurance nationwide. Competes with BPC across retail deposits, mortgages and SME lending and represents the scale benchmark.

Direct peers

• Credito Emiliano (Credem): Italian regional bank with a strong Emilia-Romagna presence, family business focus and large private banking arm. Directly comparable as a regional retail/SME competitor with a similar private-bank style customer profile.
• BPER Banca: Italian regional bank historically rooted in Emilia-Romagna with multi-regional retail and SME banking. Closest geographic and product overlap with Banca di Piacenza, serving individuals, families and small businesses in overlapping Northern Italian markets.
• Crédit Agricole Italia (formerly Cariparma/Crédit Agricole Cariparma): Italian banking subsidiary of Crédit Agricole built on Cariparma — historically the dominant retail bank in Parma and Piacenza. Operates branches in the same Piacenza/Emilia-Romagna footprint and competes head-to-head with BPC for local retail and SME relationships.
• Banca Popolare di Sondrio: Italian cooperative bank (banca popolare) headquartered in Lombardia serving retail customers and SMEs in Northern Italy. Directly comparable cooperative ownership model, regional branch-led distribution and customer segments.
• Banco BPM: Italian bank born from the merger of Banca Popolare di Milano and Banca Popolare di Verona, operating across Lombardia, Veneto and Emilia-Romagna. Comparable regional retail/SME franchise with cooperative-banking heritage similar to BPC's.

Emerging players

• FinecoBank: Italian digital bank serving retail customers with brokerage, payments and credit products. Comparable retail customer profile and increasing overlap in payments and consumer credit, though with a pure-digital model.
• Banca Mediolanum: Italian retail bank with a strong digital and advisor-led hybrid model serving families, savers and small businesses. Comparable target customer (Italian households) with a contrasting digital-first distribution approach.
• Illimity Bank: Italian digital-native challenger bank focused on SME lending and digital banking services. Comparable SME customer segment but with a tech-first operating model that benchmarks BPC's modernization path.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/bancadipiacenza
• YouTubevimeo.com/bancadipiacenza/videos
• Facebookfacebook.com/BancadiPiacenza
• Instagraminstagram.com/bancadipiacenza
• LinkedInlinkedin.com/company/banca-di-piacenza-soc.-coop.-per-azioni

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 di Piacenza