Cassa Rurale Val di Non - Rotaliana e Giovo

What Cassa Rurale Val di Non - Rotaliana e Giovo does

Cassa Rurale Val di Non - Rotaliana e Giovo is a cooperative bank (Banca di Credito Cooperativo Società Cooperativa) headquartered in Cles, Trentino, Italy. Founded in 1896, the bank traces its lineage to the Giovo rural credit tradition and took its current form through a 2018 merger of four constituent rural banks. It operates exclusively in the Val di Non, Rotaliana, and Giovo territories of the Province of Trento, serving approximately 42,000 customers and 14,577 cooperative members through a 35-branch retail network and 211 employees. As an affiliate of Gruppo Cassa Centrale Banca, the bank operates under Italian cooperative banking regulation with a 'one member, one vote' governance model.

The bank offers a comprehensive retail and corporate banking suite: current and savings accounts (Ci Conto family, youth and minor variants), debit/credit/prepaid cards, mortgages and personal loans including green variants, mutual funds (NEF), wealth management, online trading via Directa SIM, life and non-life insurance under the Sìcuro brand, a Plurifonds pension product, and merchant services via POS terminals and digital payment tools. All digital channels run on the group-wide Inbank platform (web, iOS, Android, Huawei AppGallery), with PSD2/Open Banking APIs and Prenota Banca online appointment booking. The core technology stack is not proprietary to the bank but inherited from Gruppo Cassa Centrale infrastructure.

Revenue is generated primarily through net interest income from lending and deposits, fee and commission income from payments, investment distribution, and insurance intermediation. The go-to-market combines relationship-based branch banking (including a dedicated Centro Imprese for SMEs and on-site agribusiness advisors for the local apple-growing economy tied to Consorzio Melinda) with a digital-first layer. Distribution also relies on community sponsorships, financial-literacy programs (Patente Finanziaria, Premi allo Studio), the cooperative membership model, and a separate Fondazione that disbursed 1,405,676 EUR to 521 local associations in 2024. The bank carries 307 million EUR in equity and a CET1 ratio of 39.09%, well above regulatory minimums.

Name

Cassa Rurale Val di Non - Rotaliana e Giovo

Legal name

Cassa Rurale Val di Non - Rotaliana e Giovo - Banca di Credito Cooperativo Società Cooperativa

Website

https://crvaldinon.it

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

51–100 employees

Short description

Cassa Rurale Val di Non - Rotaliana e Giovo is a Trentino-based cooperative bank (Banca di Credito Cooperativo) serving ~42,000 customers across Val di Non, Rotaliana, and Giovo via 35 branches, the Inbank digital platform, and a dedicated corporate and agribusiness center, owned by its 14,577 cooperative members.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Wealth management products
• Merchant payment services

Headquarters

HQ city

Cles

HQ country

Italy

HQ region

Europe

Offices36 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 (Lending): The bank earns interest income from loans and mortgages extended to retail customers, small businesses, and agricultural enterprises across its territory. Products include mutui (mortgages), prestiti personali (personal loans), Prestipay, and business financing lines.
2. Interest Income (Deposits): Returns on the bank's deposit base, including current accounts, savings accounts, and time deposits (conti deposito, certificati di deposito) held by retail and business customers.
3. Fee and Commission Income: Fees from payment services (cards, POS, wire transfers), account maintenance, investment products distribution, insurance intermediation, and securities custody and administration.
4. Investment and Wealth Management Products: Distribution of mutual funds (Fondi comuni — NEF), asset management mandates (Gestioni Patrimoniali), PIR-compliant investment solutions, certificates, bonds, and trading services, generating distribution fees and commissions.
5. Insurance Intermediation (Bancassicurazione): The bank acts as an intermediary for insurance products under the Sìcuro brand (life, property, auto, health), distributed through the branch network in partnership with Assicura (Assimoco group) and Itas Vita (Plurifonds pension fund).
6. POS and Payment Infrastructure: Revenue from merchant services including POS terminal provision, transaction fees, and related services for business customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Cassa Rurale Val di Non - Rotaliana e Giovo is a cooperative bank that provides retail and corporate banking services to individuals, families, youth, SMEs, and agricultural enterprises across the Val di Non, Rotaliana, and Giovo territories in Trentino. It offers current and savings accounts, mortgages, personal and green loans, payment cards, mutual funds and asset management (NEF, Gestioni Patrimoniali), trading (Directa SIM-powered), life and P&C insurance under the Sìcuro brand, pension funds (Per un domani Sìcuro/Plurifonds), POS and merchant services, and PNRR advisory, distributed through 35 branches and the Inbank digital platform.

Product overview

Cassa Rurale Val di Non - Rotaliana e Giovo is a cooperative bank offering comprehensive financial services through multiple product lines: (1) Digital Banking via Inbank platform with trading capabilities; (2) Personal Banking including current accounts (Ci Conto, Ci Conto EVO, Ci Conto Uni), payment cards (debit, credit, prepaid), and insurance (Sìcuro brand for auto, health, property); (3) Lending products comprising mortgages (Mutuo Casa, Mutuo Giovani Prima Casa, Mutuo Casa GREEN, Condominio Green), personal loans (Prestipay, Prestito mobilità GREEN), and Claris Rent for vehicle leasing; (4) Investment services including mutual funds (NEF), wealth management (Gestioni Patrimoniali), online trading (Directa SIM), life insurance, and PIR pension plans; (5) Pension products via Plurifonds (Per un domani Sìcuro); (6) Youth/Minor products (DR MINI, Conto MIDI, Ricarica TEEN, PAC Minori, Patente Finanziaria); (7) Merchant services including POS terminals (Desktop, Cordless, Hi-POS, Tap on Mobile, pHey!, Clicpay, Hi-POS mini), Cbill for invoicing; (8) Business banking through Centro Imprese and Agribusiness division; (9) PNRR funding advisory; (10) Member services via inCooperazione app; (11) Utility services including Etika energy and Telepass. The bank operates 35 branches serving 42,000 customers and 14,577 members across Trentino.

Differentiator

Problem solved

Functional benefit

Brands

• Inbank: Digital banking platform and mobile app for online and mobile banking services.
• Sìcuro
• Inbank Trading
• Prenota Banca

Products and services

• Inbank Digital Banking Platform Comprehensive digital banking platform enabling account management, payments, transfers, card management, mobile deposits, tax and postal payments, prepaid card recharges, and securities trading from desktop, web, or mobile app (iOS/Android). Available to all account holders 24/7.
• Inbank Trading Online trading module within Inbank for trading on major financial markets with real-time monitoring, favorite securities, strategy building, and execution of trades for retail and business customers.
• Ci Conto Current Account

Quantifiable outcome

• 39.09% CET1 Ratio — significantly above regulatory minimums, indicating strong capital adequacy and financial resilience
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, major and minor.

• Gruppo Cassa Centrale (Cassa Centrale Banca)coreStrategic or Co-development Partner · 1 January 2021Cassa Rurale Val di Non is an affiliated member of Gruppo Cassa Centrale, the national cooperative banking group. Gruppo Cassa Centrale provides shared technology platforms (including Inbank), capital support, product development, risk management, ESG reporting infrastructure, and access to a 1 billion Euro PNRR financing plafond. The bank participates in group-wide sustainability initiatives, remuneration policies, and governance standards.
• Assicura (Assicura Agenzia / Gruppo Assimoco)coreChannel Partner/ Reseller/ DistributorAssicura is the insurance partner of the bank, distributing life, property, auto, and health insurance products under the Sìcuro brand through the bank's branches. Products include AsSìYou, AsSìCredit, AsSìDrive, Per un domani Sìcuro pension fund (via Itas Vita / Plurifonds), and Sìcresce Patrimonio Cap (capitalization policy via Gruppo Assimoco). Assicura Broker also provides commercial insurance for the bank's Centro Imprese corporate clients.
• Inbank (info.inbank.it)coreTechnology or IntegrationInbank is the digital banking platform powering the bank's online and mobile banking services. Provided as a white-label/hosted platform by the Cassa Centrale group. Offers account management, payments, card controls, trading, and product discovery functionality via web and native iOS/Android apps.
• inCooperazione (Federazione Trentina della Cooperazione)coreStrategic or Co-development PartnerinCooperazione is a digital loyalty and member engagement platform developed by the Federazione Trentina della Cooperazione in collaboration with the Cassa Rurali network. The bank's members access exclusive discounts, convenzioni (agreements), and services via the inCooperazione app and web portal. The platform serves as the bank's primary channel for member communications, including assembly convocation.
• Consorzio MelindamajorStrategic or Co-development PartnerConsorzio Melinda is a major apple-growing cooperative in Val di Non. The bank has a long-standing partnership supporting local agriculture and has collaborated on community solidarity initiatives, including post-flood relief efforts in Faenza (Romagna) where Melinda farmers provided beehives to affected areas. The partnership includes joint sponsorship programs for the Val di Non community.
• Azienda per il Turismo Val di NonminorGTM or Marketing PartnerLocal tourism promotion body (APT Val di Non). The bank collaborates with APT Val di Non on joint community events and solidarity initiatives (including the Faenza presepe donation), and offers exclusive discounts to members via the inCooperazione platform for visits to local castles and cultural sites.
• TelepassminorChannel Partner/ Reseller/ DistributorTelepass highway toll and mobility services are distributed through the bank's branches and digital channels, offered to both retail and business customers for vehicle fleet and personal mobility management.
• Etika Energia (Cooperatives)minorGTM or Marketing PartnerEtika is an electricity and gas offering reserved exclusively for the bank's customers and members, provided through a cooperative energy supplier. The bank promotes Etika as a member benefit via its in-branch and digital channels.
• NEF (Nord Est Asset Management / NEAM)minorChannel Partner/ Reseller/ DistributorNEF is a Luxembourg-domiciled mutual fund (UCITS) managed by Nord Est Asset Management, distributed by the bank to retail and business customers. The bank offers NEF fund shares across multiple asset classes for investment portfolio construction.
• Amundi SGRminorChannel Partner/ Reseller/ DistributorAmundi is an international asset management company whose investment products and financial education seminars are hosted by the bank. Amundi specialists participated in the bank's March 2023 financial markets evening events alongside bank advisors.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Cassa Centrale Banca: Parent cooperative banking group providing shared infrastructure (Inbank platform), capital, and product platforms to affiliated Italian BCCs including Cassa Rurale Val di Non. Same cooperative banking DNA and operating model.
• Cassa Rurale di Rovereto: BCC serving the Rovereto area in Trentino with comparable member-driven model, retail/SME lending, and Gruppo Cassa Centrale affiliation. Closest direct regional peer by scale.
• Cassa Rurale Vallagarina: Neighbouring BCC in Trentino operating with the same member-driven cooperative model, retail/SME banking, and Inbank digital platform under Gruppo Cassa Centrale.
• Cassa Rurale di Trento: Neighbouring Trentino BCC offering the same cooperative banking model with retail, SME, and wealth management services and Gruppo Cassa Centrale affiliation. Direct competitor in overlapping territory.
• Cassa Rurale delle Giudicarie: BCC operating in the Giudicarie valleys of Trentino with the same cooperative governance model, Inbank platform, and Gruppo Cassa Centrale affiliation. Directly comparable by structure and scale.
• Cassa Rurale Alta Valsugana: Trentino BCC serving the Valsugana valley with the same one-member-one-vote cooperative structure, full retail/SME product suite, and Inbank digital platform under the same group umbrella.
• Cassa Rurale di Lavarone: Smaller BCC in Trentino operating with the same cooperative banking model, Inbank platform, and Gruppo Cassa Centrale affiliation. Comparable product set at smaller scale.

Others

• Mediocredito Trentino-Alto Adige: Regional credit institution serving Trentino-Alto Adige with specialised SME lending, public-finance advisory, and EU-fund intermediation. Complementary rather than directly competitive with Cassa Rurale Val di Non.

Broad incumbents

• Banca Popolare dell'Alto Adige (Volksbank): Major cooperative-popular bank in Trentino-Alto Adige offering retail, SME, wealth, and insurance products. Much larger scale than Cassa Rurale Val di Non and overlaps in territory but with a broader geographic and product footprint.
• Cassa di Risparmio di Bolzano (Sparkasse): Major regional savings bank in Alto Adige/South Tyrol with full retail/SME focus. Significantly larger scale and broader geographic reach than Cassa Rurale Val di Non, with overlapping product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cassa-rurale-val-di-non

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 Cassa Rurale Val di Non - Rotaliana e Giovo