Biver Banca

What Biver Banca does

Biver Banca, legally Cassa di Risparmio di Asti S.p.A., is an Italian regional cooperative bank founded in 1842 and headquartered in Asti, Italy. The bank operates under dual commercial brands 'Banca di Asti' and 'Biver Banca' and serves a horizontal mix of retail customers (Persone e Famiglie), small and medium enterprises and self-employed professionals (Imprese e Professionisti), and wealth management clients. Its core offering spans current accounts (Conto Match for retail, Dediconto for business), lending products (Prestito Erbavoglio personal loans, Mutuo Casanova fixed-rate mortgages, agricultural financing), payment instruments (Nexi-branded credit cards, Giramondo Pay Business debit cards), and complementary services including factoring, leasing, international banking, supplementary health insurance (Salutissima), and corporate advisory (M&A, minibond, agevolated finance).

The underlying technology infrastructure is a digital banking platform delivered through the Banca Semplice home-banking channel (retail and corporate variants) plus native iOS and Android applications, layered atop a traditional Piedmont-wide branch network. Distribution combines self-service digital channels with in-person consultation, supported by partnerships including Nexi for card processing, Telepass for toll-payment benefits, and FEduF for financial education. The bank employs between 501 and 1,000 staff, manages EUR 13 billion in total assets, EUR 7.4 billion in customer loans, and reported EUR 37 million in net profit for the first half of 2025.

The revenue model is traditional banking: net interest income from lending activities (EUR 7.4 billion loan book), transaction and account-maintenance fees, and recurring revenue from investment, wealth management, and insurance distribution. Ownership is concentrated among Italian banking foundations — Fondazione Cr Biella (35.1%), Fondazione Cr Asti (31.8%), Fondazione Cr Torino (6%), and Fondazione Cr Vercelli (4.2%) — with Banco BPM holding a 9.99% minority stake as part of the ongoing Italian banking consolidation narrative. Geographic scope is explicitly Piedmont-focused with no international footprint.

Name

Biver Banca

Legal name

Cassa di Risparmio di Asti S.p.A.

Website

https://biverbanca.it

Company type

Private

Founded year

1842

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Biver Banca is an Italian regional cooperative bank serving retail customers, SMBs, and professionals in Piedmont with deposits, mortgages, personal and business loans, credit cards, insurance, and digital banking delivered through branches and the Banca Semplice platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

National Commercial Banks (6021), Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Commercial banking products
• Mortgage lending
• Wealth management
• Digital home banking

Headquarters

HQ city

Biella

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 banking revenue from interest earned on loans, mortgages, and credit facilities extended to retail and business customers
2. Banking Fees and Commissions: Fees from account maintenance, transactions, card services, and other banking operations
3. Investment and Wealth Management Services: Revenue from investment products, insurance, and wealth management services offered to customers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Biver Banca (Cassa di Risparmio di Asti S.p.A.) is a regional Italian bank providing retail and commercial banking services to individuals, families, businesses, and professionals. Core offerings include current accounts, personal and mortgage loans, credit and debit cards, factoring and leasing, agricultural financing, international banking, investment and wealth management, and supplementary health insurance (Salutissima), distributed through a Piedmont-focused branch network and the Banca Semplice digital banking platform.

Product overview

Biver Banca (Banca di Asti) operates as a regional Italian banking group organized around a unified platform with multiple product lines serving two primary segments: individuals and families (Persone e Famiglie) and businesses and professionals (Imprese e Professionisti). The core banking products include current accounts (Conto Match, Dediconto), loans (Prestito Erbavoglio personal loans, Mutuo Casanova mortgages), and cards (Nexi credit cards, Giramondo Pay Business debit cards). Digital services are delivered through the Banca Semplice platform (retail and corporate home banking). The bank also offers supplementary services including Salutissima health insurance, agricultural and business financing, factoring and leasing, and international banking services, all accessible through branches and digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• Banca Semplice: Digital banking platform for retail and corporate customers, offering online and mobile banking services.
• Conto Match
• Prestito Erbavoglio
• Salutissima
• Dediconto

Products and services

• Conto Match Free digital current account for individual customers with all operations included, no maintenance fees, and no account opening costs.
• Prestito Erbavoglio Flexible personal loan product designed to finance educational paths and life milestones, offering rapid access to funds and customizable repayment options for individual customers.
• Mutuo Casanova Rata Fissa Fixed-rate mortgage with transparent terms tailored to individual needs, targeting homebuyers.
• Dediconto Business current account with fixed costs, free withdrawals, and simplified management designed for enterprises and self-employed professionals.
• Giramondo Pay Business Debit card designed for business expenses, enabling cash withdrawals and purchases anywhere.
• Salutissima Supplementary health insurance program offering reimbursements for policyholders and families, discounts at affiliated centers, and a reserved area for managing paperwork.
• Finanziamenti Agricoltura Agricultural financing solutions supporting sustainability investments in the food supply chain.
• Factoring e Leasing Business financing solutions optimizing credit management and financial planning through factoring and leasing services for enterprises.
• Servizi Estero International banking services for businesses operating beyond national borders, including foreign transactions and cross-border services.
• Carte di Credito Nexi

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• NexicoreTechnology or IntegrationNexi provides credit card processing services for Banca di Asti. The bank offers Nexi credit cards with advanced protection features for customer payments and transactions.
• TelepassminorStrategic or Co-development PartnerTelepass partnership offering toll payment services to Banca di Asti customers, with promotional offers such as free annual subscription periods.
• FEduF (Fondazione per l'Educazione Finanziaria)minorStrategic or Co-development PartnerPartnership for financial education initiatives targeting students, focusing on digital finance awareness and security.
• Fondazione Cassa di Risparmio di AsticoreOthersRelated foundation holding 31.8% ownership stake in Banca di Asti, part of the foundation-controlled shareholder structure including Cr Biella (35.1%), Crt (6%), and Cr Vercelli (4.2%).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Banco BPM: Major Italian commercial bank with a national branch network. Directly comparable as a mid-tier Italian universal bank, and notably holds a 9.99% stake in Biver Banca, making it both a peer and a strategic shareholder.
• Banca Monte dei Paschi di Siena: One of Italy's largest universal banks with a strong regional anchor in Tuscany. Comparable as a deposit-taking and SME-focused institution with a similar historical territorial bank DNA.
• UniCredit: Italy's largest banking group with national and international reach. Comparable as a competitor operating in the same Piedmont and SME/corporate segments, but at much larger scale and broader product breadth.
• Intesa Sanpaolo: Italy's largest retail and corporate bank. Competes directly with Biver Banca across retail, wealth, and corporate banking in Piedmont, but operates at national scale with a broader product portfolio.

Direct peers

• Banca Popolare di Sondrio: Northern Italian regional bank with similar Piedmont/Lombardy footprint and SME lending focus. Closely comparable cooperative-style regional franchise model.
• Banca Sella: Italian private, family-controlled bank with strong regional roots in Piedmont. Highly comparable in governance style (private/family ownership), regional focus, and digital banking emphasis.
• Credito Emiliano (Credem): Italian regional bank with similar scale, private ownership, and strong presence in northern Italy. Comparable product mix (retail, corporate, wealth management) and regional mid-market positioning.
• Cassa Centrale Banca: Italian cooperative banking group representing a network of casse di risparmio and rural banks. Directly comparable to Biver Banca's cooperative heritage and foundation-influenced governance.
• BPER Banca: Mid-sized Italian commercial bank with strong regional roots across northern and central Italy. Closely comparable to Biver Banca in scale, regional banking model, and SME/corporate focus.

Emerging players

• Banca Mediolanum: Italy-based bank with a strong wealth management and digital advisory model. Comparable as a competitor for retail deposits and investment products in Italy, with a different but adjacent distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bancadiasti
• Xx.com/biver_banca

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Biver Banca