Banca di Bologna Credito cooperativo Sc

What Banca di Bologna Credito cooperativo Sc does

Banca di Bologna Credito Cooperativo Società Cooperativa is an Italian cooperative bank founded in 1963 and headquartered in Bologna (P.zza Galvani, 4/A). It operates as an affiliate of the Cassa Centrale Banca Credito Cooperativo Italiano group, the nationwide cooperative banking network whose issuer rating Fitch upgraded to BBB+ in May 2026. The bank delivers a full-service retail and SMB banking proposition — current accounts, cards, mortgages (including the Mutuo Next Green green mortgage), personal loans (Prestipay), wealth management (Gestioni Patrimoniali, Fondi Comuni), insurance, pension products, POS merchant services, foreign trade, and PNRR advisory — across five customer segments: Privati, Imprese, Soci (cooperative members), Giovani, and Minori.

Revenue is generated through traditional banking mechanics: net interest income from lending (mortgages, personal loans, business financing), transaction and account fees (including POS), commissions from insurance product distribution, and recurring fee-based income from asset management and advisory services (Consulenza Valore). Pricing is not publicly disclosed and is negotiated through the branch network or the InBank digital platform.

Technology infrastructure is shared across the Cassa Centrale group: the InBank platform provides online and mobile banking for customers, while Allitude S.p.A. (Trento-based) supplies administrative ICT services including the whistleblowing reporting system. Distribution is multi-channel, combining a physical branch network across the Bologna territory with the digital platform and dedicated in-person advisory for investment products. The bank differentiates on community-rooted cooperative identity, local sponsorships (Bologna FC 1909, Teatro Comunale, Virtus Pallacanestro, Bologna Festival), and sustained social responsibility commitments (AIL Bologna for 22 years, Fondazione Rizzoli since 2024).

Name

Banca di Bologna Credito cooperativo Sc

Legal name

Banca di Bologna Credito Cooperativo Società cooperativa

Website

https://bancadibologna.it

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca di Bologna is an Italian cooperative bank serving retail, business, and member customers in Bologna and Emilia-Romagna with mortgages, personal loans, wealth management, insurance, and digital banking through the InBank platform, as part of the Cassa Centrale Banking Group.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

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

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

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

Keywords

• Cooperative banking services
• Retail lending products
• Mortgage and consumer credit
• Wealth management advisory
• Business banking solutions

Headquarters

HQ city

Bologna

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

Revenue model

1. Interest Income: Traditional lending operations including mortgages (Mutui), personal loans (Prestipay), and business financing generating interest income.
2. Commission and Fee Income: Banking service fees, account maintenance, payment services, POS transactions for businesses.
3. Investment Products: Asset management (Gestioni Patrimoniali), mutual funds (Fondi comuni), and financial advisory services (Consulenza Valore).
4. Insurance Products: Insurance products for individuals and businesses through partnerships with insurance providers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Banca di Bologna is a member-owned cooperative bank providing a full suite of retail and business banking services to individuals, families, businesses, young people, and cooperative members in the Bologna and Emilia-Romagna territory. Its core offerings include current accounts, cards, mortgages (including green mortgages), personal loans, wealth management, mutual funds, insurance, pensions, POS terminals, international trade services, PNRR advisory, and agribusiness financing, delivered through a regional branch network and the InBank digital banking platform.

Product overview

Banca di Bologna is a cooperative bank (Credito Cooperativo) offering a comprehensive suite of banking and financial products organized into distinct customer segments: Privati (Personal Banking with accounts, cards, loans, investments, insurance, and pension products), Imprese (Business Banking with accounts, POS terminals, loans, investments, insurance, international services, consulting, PNRR support, and agribusiness), Soci (Member services including exclusive App and scholarship programs), and Giovani (Youth Banking). The core digital platform Inbank provides online and mobile access. Key product lines include Prestipay personal loans, Mutuo Casa mortgages (including green mortgages), Gestioni Patrimoniali wealth management, Fondi Comuni mutual funds, and Consulenza Valore advisory services. The bank operates as part of the Cassa Centrale Group.

Differentiator

Problem solved

Functional benefit

Brands

• INBANK: Digital banking platform for online banking services
• Prestipay
• App Soci

Products and services

• Prestipay Personal loan product for individual borrowers, with a recent Taglia la Rata (Cut the Rate) promotion that lowers installments from the mid-point of the repayment plan.
• Mutuo Casa (Mutui Casa) including Mutuo Next Green Home mortgage products covering purchase, construction, and renovation, with dedicated green mortgages (Mutuo Next Green) for energy-efficient properties and Fondo di Garanzia Mutui Prima Casa support for first-home buyers.
• Gestioni Patrimoniali Discretionary and advisory asset management services providing tailored investment and wealth management solutions for individuals.
• Fondi Comuni Mutual funds managed by selected fund managers to grow customer savings through diversified portfolio strategies.
• Consulenza Valore Financial advisory service that maps customer objectives (protection, savings, investment, retirement) to tailored plans through dedicated consultants.
• Finanziamenti Green per Imprese Green financing solutions for businesses, leveraging facilitated financial instruments and public incentives to address environmental, climate, and energy risks.
• Conti Corrente (Privati e Imprese) Current/checking accounts for personal and business customers covering deposits, payments, and basic banking services.
• Carte (Debito, Credito, Prepagate) Debit cards, credit cards, and prepaid cards issued for personal and business customers.
• Assicurazioni Insurance products and coverage distributed to individuals and businesses through partnerships with insurance providers.
• Previdenza Pension and retirement planning products to support long-term financial preparation for individuals.
• InBank Digital Banking Online and mobile digital banking platform providing account access, transactions, payments, and product applications for customers across the Cassa Centrale group.
• POS (Point of Sale Terminals) Payment terminals provided to business customers to accept card payments at the point of sale.
• Servizi Estero Foreign exchange and international banking services for businesses engaged in cross-border trade, including payments and trade finance support.
• Borse di Studio Scholarship program for members' dependents, with registration opening on September 10 for graduate students, available exclusively to cooperative members (Soci).

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Bologna Football Club 1909coreGTM or Marketing PartnerSponsorship and partnership renewed for sporting seasons 2024-2025 and 2025-2026. Banca di Bologna is the official bank of Bologna FC, with branding presence and joint community initiatives. The partnership reflects the bank's commitment to local sports and community identity.
• Teatro Comunale di BolognacoreGTM or Marketing PartnerLong-standing support for the Teatro Comunale di Bologna as part of the bank's commitment to arts and culture in the territory. Partnership for cultural promotion and artistic programming.
• Virtus Pallacanestro BolognaminorGTM or Marketing PartnerNew partnership announced for the 2025-2026 sports season with Virtus Pallacanestro, the city's basketball team.
• Bologna FestivalminorGTM or Marketing PartnerPartnership to promote great music, bringing prestigious orchestras, conductors, and soloists to city stages. Cultural sponsorship supporting international classical music programming.
• Fondazione Istituto Ortopedico RizzolicoreOthersSince 2024, Banca di Bologna became a Supporting Member (Socio Sostenitore) of the Fondazione Istituto Ortopedico Rizzoli, committing to support orthopedics healthcare in the city.
• AIL BolognacoreOthersFor 22 consecutive years, Banca di Bologna has supported AIL Bologna in its commitment to hematology patients, families, and scientific research.
• InBankcoreTechnology or IntegrationInBank is the digital banking platform used by Banca di Bologna and other cooperative banks in the Cassa Centrale group. Provides online and mobile banking services to customers.
• Allitude S.p.A.coreTechnology or IntegrationTechnology partner providing the whistleblowing platform (managed by Unione Fiduciaria). Allitude S.p.A. is based in Trento with share capital of 11,378,811.00 euros, part of the Cassa Centrale group.
• Cassa Centrale Banca - Credito Cooperativo Italiano S.p.A.coreStrategic or Co-development PartnerParent banking group that coordinates and directs the network of cooperative banks (Banche di Credito Cooperativo) across Italy. Provides strategic direction, technology platforms, and shared services to member banks including Banca di Bologna.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banca Credito Cooperativo EmilBanca: Another Emilia-Romagna-based Banca di Credito Cooperativo within the Cassa Centrale group. Directly comparable cooperative bank model serving overlapping territory with similar product suite (retail, business, mortgages, ESG products) and shared group infrastructure (InBank, Allitude).
• Banca di Piacenza: Cooperative bank within the Emilia-Romagna cooperative banking ecosystem, offering retail and business banking products with a comparable community-anchored value proposition. Closely aligned in cooperative structure, product scope, and Cassa Centrale group affiliation.
• Credito Cooperativo Romagnolo (BCC Romagnolo): Regional Italian cooperative bank operating in the Romagna area with retail and business banking services. Directly comparable as a Credito Cooperativo member of the Cassa Centrale group serving a similar customer base.
• Banca di Imola: Cooperative bank (Credito Cooperativo) in the Cassa Centrale network operating in Emilia-Romagna, near Bologna. Closely comparable member-owned mutual bank with similar retail and SMB product offerings and group-level technology platform.

Broad incumbents

• UniCredit: Major Italian and European commercial bank with extensive retail, business, and wealth management offerings nationwide. While serving overlapping customer segments, UniCredit operates at vastly greater scale with broader geographic coverage and listed-equity capital access.
• Intesa Sanpaolo: Italy's largest banking group with comprehensive retail, corporate, and wealth management services. Provides a broad incumbent benchmark for retail deposit, mortgage, and business banking products, with significantly greater scale and capital flexibility.
• Banco BPM: Major Italian commercial bank with strong presence in northern Italy including Emilia-Romagna. Comparable in retail and SMB banking focus but with substantially larger scale and broader geographic coverage.
• Banca Monte dei Paschi di Siena: Large Italian retail and commercial bank with a significant presence across regions including Emilia-Romagna. Comparable in core retail and SMB banking products but operates at much greater scale and as a listed company, providing a broad incumbent comparison.

Emerging players

• Banca Sella: Italian family-owned bank with strong fintech orientation through its Hype neobank subsidiary. Comparable in offering retail and SMB digital banking services, though with a more digitally-led approach versus Banca di Bologna's branch-and-cooperative model.
• Illimity Bank: Italian digital-native bank offering specialized corporate banking, SME lending, and digital retail services. Comparable in competing for SMB banking relationships in Italy, though operating with a digital-first model and listed-equity capital structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bancadibologna
• Facebookfacebook.com/bancadibologna
• LinkedInlinkedin.com/company/banca-di-bologna

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 di Bologna Credito cooperativo Sc