LA BCC ravennate, forlivese e imolese

What LA BCC ravennate, forlivese e imolese does

LA BCC ravennate, forlivese e imolese is an Italian cooperative bank (Banca di Credito Cooperativo) headquartered in Faenza, operating as a member of the Gruppo Bancario Cooperativo Iccrea, the central cooperative banking group comprising over 130 BCC banks. The bank serves the provinces of Ravenna, Forlì, and Imola in Emilia-Romagna, offering a comprehensive retail and SME banking portfolio including current accounts (Conto +, Conto Smart, Conto Socio Base/+, Conto Impresa variants), payment cards (CartaBCC Debit, Credit, Green, Tasca), agricultural banking products (Conto corrente di campagna), Third Sector banking (Conto Coopera), lending products (Prestito Scuola, Prestito Master Soci), and investment/insurance distribution through PAC and pension funds.

The bank's technology infrastructure centers on the RelaxBanking internet banking platform, the MyCartaBCC mobile application, self-service banking terminals (casse self) available 5:00-22:00, and POS terminal services including SmartPOS Connect. Card products support contactless payments via Apple Pay, Samsung Pay, Google Pay, and Garmin Pay. The bank operates on Mastercard and VISA circuits through its partnership with Numia S.p.A. (Electronic Money Institution) and distributes investment products through BCC Risparmio&Previdenza S.G.R. The bank serves approximately 501-1000 employees and maintains a hybrid physical-digital distribution model with branch consultations across its territory.

Revenue mechanics follow traditional cooperative banking: net interest income from loan-deposit spreads (mortgage, personal, business, and agricultural financing), recurring account maintenance fees (€2-€30/month range), payment card annual fees and transaction commissions, and affiliate referral income from investment/insurance product distribution. The member-owned (soci) structure provides pricing advantages for cooperative members, youth-friendly free accounts (under 30), and specialized products for non-profit organizations and farmers. Distribution is primarily regional through branches, digital channels, and the Iccrea Group's cooperative banking network.

Name

LA BCC ravennate, forlivese e imolese

Legal name

Credito Cooperativo ravennate, forlivese e imolese società cooperativa

Website

https://labcc.it

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

501–1,000 employees

Short description

LA BCC ravennate, forlivese e imolese is an Italian cooperative bank (Banca di Credito Cooperativo) serving retail, SME, agricultural, and Third Sector customers across the Ravenna, Forlì, and Imola provinces, operating as a member of the Gruppo Bancario Cooperativo Iccrea with a hybrid branch-and-digital banking model.

Ownership category

akta.pro rank

Product category

Cooperative Retail & SME Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Cooperative banking services
• Retail banking products
• Agricultural lending
• Payment card services
• Digital banking platforms

Headquarters

HQ city

Faenza

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 rate spreads between loans extended to customers and deposits held. The bank operates as a cooperative credit institution earning margins on mortgage loans, personal loans, and business financing.
2. Account Maintenance Fees: Monthly and quarterly account keeping fees across various current account products including Conto+, Conto Smart, Conto Socio Base/+, and Impresa accounts.
3. Payment Cards: Annual fees and transaction commissions from debit cards (CartaBCC Debit, CartaBCC Green, CartaBCC Debit Business), credit cards (CartaBCC Credit, CartaBCC Classic, CartaBCC Impresa), and prepaid cards.
4. Investment and Insurance Products: Distribution of investment funds through PAC (Piano di Accumulo Capitale), pension funds (Fondo Pensione), and insurance products in partnership with Group entities.
5. Business Banking Services: Fees from business current accounts (Conto Impresa Smart, TOP, Easy, Web), POS terminal services, and business lending products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

LA BCC ravennate, forlivese e imolese is an Italian cooperative bank offering retail and small-business banking services. It provides current accounts, payment cards (debit, credit, prepaid), personal and education loans, savings/investment plans (PAC), POS terminals, agricultural financing, and specialized accounts for non-profit organizations. Distribution combines a regional branch network with the RelaxBanking online platform and the MyCartaBCC mobile app.

Product overview

LA BCC ravennate, forlivese e imolese offers a comprehensive banking product portfolio organized across multiple categories. The core offerings include current accounts (Conti Correnti) ranging from basic accounts for minors (Primo conto per minorenni) and simple accounts (Conto di base) to sophisticated business accounts (Conto Impresa, Conto Impresa Web, Conto Impresa easy). Member-specific accounts (Conto Socio Base, Conto Socio +) provide exclusive benefits, while agricultural accounts (Conto corrente di campagna) and non-profit accounts (Conto Coopera Semplice, Conto Coopera Premium) serve specialized segments. The card portfolio includes CartaBCC Credit (credit card with rewards), CartaBCC Debit Mastercard, CartaBCC Green (eco-friendly biodegradable card), and CartaBCC Tasca (prepaid for youth). Lending products span education loans (Prestito Scuola, Prestito Master Soci) and savings plans (Piano di Accumulo Capitale PAC). All accounts integrate with RelaxBanking for digital banking access and support mobile payments via Apple Pay, Samsung Pay, Google Pay, and Garmin Pay. The bank is part of the Gruppo Bancario Cooperativo Iccrea network.

Differentiator

Problem solved

Functional benefit

Brands

• Coopera: Line of products and services dedicated to non-profit organizations including Conto Coopera Semplice and Conto Coopera Premium
• Agricoltura Viva
• Conto Socio
• CartaBCC

Products and services

• Conto + (Conto Corrente for individuals) Simple and dynamic current account for individuals of all ages, with welcome bonus for new customers and discounted quarterly fees for adults. Free for young people up to 30 years old.
• Conto Smart Economical current account aimed at customers who operate primarily autonomously online; €2/month with free home banking and favorable online transfer rates.
• Conto Socio Base Basic current account version for bank members (soci) with simple operations and limited transactions; €2 monthly canone with 30 free quarterly operations.
• Conto Socio + Plus version of the member current account with more complex operations, unlimited free operations, free CartaBCC Debit, discounted credit card, and exclusive member benefits.
• Conto Corrente For We Current account designed for women with an active lifestyle, offering €2/month canone, free internet banking, unlimited online operations, and free withdrawals at BCC Group ATMs.
• Primo Conto per Minorenni Simple and complete current account for minors with zero canone and stamp duty paid by the bank until age 18, including CartaBCC Tasca prepaid card and debit card options.
• Conto di Base Basic current account under MEF Decree 70/2018 for financial inclusion, with simplified operations and subsidized annual canone of €40 for consumers.
• Conto Impresa Easy Current account tailored for small businesses, sole proprietors, freelancers, and farmers; €24 quarterly canone with discount options for member/loan/POS customers.
• Conto Impresa (SMART and TOP versions) Current account for businesses in two versions: SMART for small enterprises and TOP for medium and large businesses, with usage-based pricing and reduced fixed costs.
• Conto Impresa Web Current account for businesses operating primarily through advanced digital channels (Internet Banking, ATM, self-service), with €36 quarterly canone.
• Conto Corrente di Campagna (Agricoltura Viva) Specialized agricultural current account for farmers needing cash flexibility between purchasing inputs and selling harvests; credit line up to €80,000 with consortium-based terms.
• Conto Coopera Semplice Simple current account for non-profit organizations (Third Sector) with straightforward financial needs; €6 quarterly canone, 40 free annual counter operations, and unlimited self-service operations.
• Conto Coopera Premium Premium current account for non-profit organizations with complex financial needs; €12 quarterly canone, 120 free annual counter operations, free debit card, and free internet banking.
• CartaBCC Credit Personal credit card for everyday purchases including online shopping; up to 48-day delayed debit, contactless, PremiaTi Revolution rewards, and mobile payment compatibility.
• CartaBCC Debit Mastercard Debit card for every need including foreign use, online transactions, ATM operations, and self-service branches, with immediate debit to current account.
• CartaBCC Green Eco-friendly debit card made from biodegradable and compostable PLA material, with CO2 emission monitoring via app and sustainability tips.
• CartaBCC Tasca Reloadable prepaid card for teenagers' budget management, available from age 12, with immediate availability of funds.
• Prestito Scuola Student loan for young people up to 30 years old for educational expenses up to €2,500 at 0% TAN, repayable in 12 monthly installments with no interest.
• Prestito Master Soci Master loan reserved for bank members (soci) and their children up to 30 years old; amounts over €2,500 up to €30,000 at favorable rates with up to 120-month duration.
• Piano di Accumulo Capitale (PAC) Capital Accumulation Plan for systematic savings via periodic installments from €50 minimum, with monthly, quarterly, or semi-annual options, managed through BCC Risparmio&Previdenza S.G.R.
• SmartPOS Connect Latest-generation Android-based POS terminal enabling merchants to accept electronic card payments and mobile wallets.
• RelaxBanking (Home Banking) Internet banking platform enabling customers to manage bank accounts, view movements, and perform banking operations 24/7.
• MyCartaBCC App Mobile application for card management, spending notifications, online purchase authorization, and CO2 monitoring on eco-friendly cards.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration30 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerLA BCC is a member bank of Gruppo Bancario Cooperativo Iccrea, the central cooperative banking group. The group provides centralized services, risk management, product development, and regulatory oversight. LA BCC operates under the group's brand and shares in its cooperative values and mission.
• Consorzio Agrario di RavennacoreStrategic or Co-development PartnerAgricultural consortium partnership for the Agricoltura Viva program. The consortium collaborates with the bank to provide financial services to farmers, including the Conto di Campagna seasonal credit product and potential contributions to agricultural members.
• Terremerse CooperativacoreStrategic or Co-development PartnerAgricultural cooperative partnership for the Agricoltura Viva program. Partnership enables specialized financing solutions for agricultural businesses and cooperative members.
• Consorzi Agrari d'ItaliacoreStrategic or Co-development PartnerNational consortium of agricultural cooperatives partnership providing agricultural financing solutions and market access support for farmers through the bank's seasonal credit products.
• Fondazione Giovanni Dalle Fabbriche - Multifor ETSminorStrategic or Co-development PartnerFoundation partnership for social initiatives and territorial development. The foundation works on social and cultural projects in the bank's service territory.
• CaritasminorStrategic or Co-development PartnerMicrocredit partnership with Caritas for social solidarity projects. The bank supports microcredit initiatives for financially vulnerable populations in the territory.
• Numia S.p.A.coreTechnology or IntegrationElectronic Money Institution that issues credit and debit cards (CartaBCC) for the BCC network. Provides card processing, mobile payments, and card management infrastructure.
• BCC Risparmio&Previdenza S.G.R.coreTechnology or IntegrationAsset management company within Gruppo Iccrea that manages investment funds offered through the bank's PAC and pension products. Provides fund management and investment expertise.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BPER Banca: Major Italian regional bank with strong presence in Emilia-Romagna and broad retail, SME, and corporate banking services. BPER provides a benchmark for what scaled-up regional banking in this territory looks like — relevant comparison for LA BCC's growth ceiling.
• Cassa Centrale Banca: The other major Italian cooperative banking group (capogruppo of Credico), serving as a parallel structure to Iccrea. Cassa Centrale Banca is the closest institutional comparison to LA BCC's parent structure and provides a benchmark for group-level economics in the cooperative banking sector.
• Banco BPM: Large Italian bank formed through the merger of Banco Popolare and BPM, serving retail, SME, and corporate customers across northern and central Italy. Comparable as a regional-banking consolidator — relevant given the ongoing Italian banking consolidation pressure facing BCCs.
• Credito Emiliano (Credem): Regional Italian bank headquartered in Reggio Emilia, serving retail, SME, and private banking customers across northern Italy. Credem shares a similar geography and customer base but operates at significantly larger scale and with a broader product portfolio.
• Iccrea Banca: Parent banking group of the Italian Cooperative Banking Group (Gruppo Bancario Cooperativo Iccrea), of which LA BCC is a member. Iccrea provides centralized capital, risk management, treasury, and shared services to all member BCCs including LA BCC.

Direct peers

• Banca Agricola Popolare di Ragusa: An Italian cooperative bank with a strong agricultural banking tradition (BAPR), serving SMEs, farmers, and retail clients in Sicily. Comparable in cooperative governance, agricultural specialization, and member-driven model, though operating in a different geography.
• Banca Sella: Italian family-owned bank with roots in cooperative banking and a strong focus on SMEs, digital banking, and innovative financial services. Comparable as a privately-held Italian bank competing with both cooperatives and incumbents in retail and SME banking.
• Emil Banca: Another BCC cooperative bank (Credito Cooperativo Emiliano) operating in Emilia-Romagna, with similar community-focused products, member ownership, and group-level technology partnerships. Emil Banca is the most direct comparable in scale, geography, and product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/LaBCC_ra_fo_im
• YouTubeyoutube.com/channel/UC0dw30JdpLQMRo2Bmg1v78g
• Facebookfacebook.com/LaBCCravennateforliveseeimolese
• LinkedInlinkedin.com/company/la-bcc-ravennate-forlivese-e-imolese
• Instagraminstagram.com/la_bcc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 LA BCC ravennate, forlivese e imolese