ZKB

What ZKB does

ZKB ZADRUŽNA KRAŠKA BANKA TRST GORICA Zadruga – ZKB CREDITO COOPERATIVO DI TRIESTE E GORIZIA Società Cooperativa is an Italian cooperative bank (Banca di Credito Cooperativo) founded in 1908 and headquartered in Opicina/Opčine, in the Trieste province. It operates as a member bank of Gruppo Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A., which carries a Fitch BBB+ group rating and provides shared services, governance, brand campaigns, and ICT infrastructure (via Allitude S.p.A.). The bank serves retail customers (Privati) and small-to-medium enterprises (Imprese) in the bilingual Italian/Slovenian cross-border region of Trieste and Gorizia.

The product portfolio covers current accounts (e.g., Conto Plus), debit cards (Carta di debito Plus), residential mortgages (Mutuo Casa), personal loans (Prestipay Taglia la Rata), investments, insurance, pension planning, and business banking products including POS terminals and PNRR-related services. Technology delivery runs primarily through the Inbank online and mobile banking platform, supplemented by an Advanced Electronic Signature service, a mortgage simulator, and a D.Lgs. 231/2001-compliant whistleblowing platform provided by Unione Fiduciaria. The bank's distribution combines a physical branch network with the Inbank self-serve digital channel and relationship managers for business customers.

The revenue model is traditional cooperative banking: net interest income from deposits and lending (mortgages, personal loans, business financing) complemented by recurring fees on accounts, cards, and POS services, plus distribution economics on investment and insurance products. In April 2026 ZKB joined a six-bank consortium with Swiss Stablecoin AG, UBS, PostFinance, Sygnum, Raiffeisen, and BCV to participate in a controlled sandbox for a Swiss franc-pegged stablecoin, exploring payments, settlement, and programmable money applications—an exploratory move into digital currency infrastructure that is not yet a revenue-generating product.

Name

ZKB

Legal name

ZKB ZADRUŽNA KRAŠKA BANKA TRST GORICA Zadruga - ZKB CREDITO COOPERATIVO DI TRIESTE E GORIZIA Società Cooperativa

Website

https://zkb.it

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

51–100 employees

Short description

ZKB is an Italian cooperative bank founded in 1908, serving retail and SME customers in the bilingual Trieste/Gorizia region through branches and the Inbank digital platform, as a member of Gruppo Cassa Centrale Banca.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Cooperative banking services
• Retail and business banking
• Mortgage and loan products
• Digital banking platform
• Payment processing services

Headquarters

HQ city

Trieste

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Banking Services: Traditional cooperative banking services including current accounts, deposits, loans, mortgages, and credit services for retail and business customers.
2. Investment and Insurance Products: Distribution of investment products, insurance products, and pension/retirement planning services.
3. Digital Finance Services: Digital banking and fintech services including stablecoin-related offerings as part of the Swiss digital money ecosystem initiative.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ZKB is a cooperative bank offering retail and business banking services including current accounts (Conto Plus), debit and credit cards, mortgages (Mutuo Casa), personal loans (Prestipay), investment, insurance and pension products, POS payment services for businesses, and digital banking through the Inbank platform. Services are delivered in Italian and Slovenian to customers in the Trieste/Gorizia region, with members (Soci) participating in the cooperative governance.

Product overview

ZKB operates as a cooperative bank (Credito Cooperativo) offering a comprehensive suite of banking and financial services to individuals (Privati), businesses (Imprese), and members (Soci). The bank's product portfolio includes current accounts and deposits (Conti e depositi), debit and credit cards (Carte), loans and mortgages (Finanziamenti including Mutuo Casa and Prestipay personal loans), investments (Investimenti), insurance (Assicurazioni), pensions (Previdenza), and digital banking through Inbank. For business customers, ZKB provides POS services, digital banking solutions, agricultural financing (Agribusiness), international services (Estero), and PNRR (National Recovery and Resilience Plan) related services. The bank participates in the Gruppo Cassa Centrale banking group and offers specialized services including whistleblowing, advanced electronic signatures (Firma Elettronica Avanzata), and public procurement guarantee verification. Services are available in both Italian and Slovenian languages.

Differentiator

Problem solved

Functional benefit

Brands

• Inbank: Digital banking platform offered by ZKB for online banking services.

Products and services

• Conto Plus (Plus current account)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered flagship and core.

• Swiss Stablecoin AGflagshipStrategic or Co-development Partner · 8 April 2026Six Swiss banks including ZKB partnered with Swiss Stablecoin AG to launch a controlled sandbox in 2026 for testing a Swiss franc-pegged stablecoin. The initiative explores payments, settlement, and programmable money applications to strengthen Switzerland's digital money ecosystem. Other partners include UBS, PostFinance, Sygnum, Raiffeisen, and BCV.
• UBSflagshipStrategic or Co-development Partner · 8 April 2026Major Swiss banking group participating in the Swiss franc stablecoin sandbox initiative alongside ZKB, PostFinance, Sygnum, Raiffeisen, and BCV with Swiss Stablecoin AG.
• PostFinanceflagshipStrategic or Co-development Partner · 8 April 2026Swiss postal financial services provider part of the stablecoin sandbox consortium with ZKB and other Swiss banks.
• SygnumflagshipStrategic or Co-development Partner · 8 April 2026Swiss digital asset bank participating in the stablecoin sandbox initiative alongside ZKB and other consortium banks.
• RaiffeisenflagshipStrategic or Co-development Partner · 8 April 2026Swiss cooperative banking group part of the stablecoin sandbox consortium for Swiss franc stablecoin testing.
• BCV (Banca di Chiavenna e della Venezia Giulia)flagshipStrategic or Co-development Partner · 8 April 2026Swiss regional bank participating in the stablecoin sandbox initiative alongside ZKB and other Swiss banking partners.
• Gruppo Cassa Centrale BancacoreStrategic or Co-development PartnerZKB is a member of Gruppo Cassa Centrale Banca Credito Cooperativo Italiano, one of Italy's largest cooperative banking groups. The group provides shared services, brand, governance framework, and marketing campaigns including ESG initiatives. Fitch upgraded the group's rating to BBB+.
• Allitude S.p.A.coreTechnology or IntegrationTechnology and ICT services provider for Gruppo Cassa Centrale. Allitude S.p.A. (based in Trento, Italy) provides the digital banking infrastructure and whistleblowing platform used by ZKB. Share capital: €11,378,811.00.
• Unione FiduciariacoreTechnology or IntegrationProvides the whistleblowing reporting platform for ZKB, enabling secure and confidential reporting through their digital platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Banca di Credito Cooperativo di Brescia: Another BCC operating in northern Italy with comparable retail and small business banking services. Direct peer given shared cooperative banking model, similar Italian regional positioning, and overlapping product offerings.
• Iccrea Banca: Iccrea Banca is the holding company of the Iccrea Banking Group, the other major Italian cooperative banking consortium (BCC). It serves the same cooperative banking ecosystem in Italy and is the most direct structural peer to Gruppo Cassa Centrale.
• Banca Sella: Italian regional bank with strong retail and digital banking franchise serving SMEs and individuals. Comparable in offering retail and business banking with a digital platform (similar to Inbank), and competing in the Italian small-business banking segment.
• Cassa Rurale Val di Non: A Trentino-based Italian cooperative bank (BCC) within the cooperative banking system offering retail and business banking with a similar product mix (accounts, mortgages, loans, digital banking). Comparable in scale, mission, and Italian regional bank model.
• Cassa Rurale Alto Garda: A small Italian cooperative bank serving the Lake Garda region, part of the cooperative banking network. Direct peer in terms of BCC structure, community-rooted banking model, and similar size and product scope.

Others

• Sygnum: Swiss digital asset bank participating in the same Swiss Stablecoin AG consortium as ZKB. Compares as a strategic consortium partner in the stablecoin sandbox initiative rather than a direct banking competitor.
• Allitude S.p.A. Technology and ICT services provider for Gruppo Cassa Centrale, including the Inbank digital banking platform used by ZKB. Adjacent ecosystem participant providing core infrastructure to cooperative banks.

Emerging players

• Illimity Bank: Italian digital-native challenger bank focused on SME lending and digital banking. Comparable as a digital banking competitor targeting Italian SMEs and retail customers, representing the type of fintech disruption BCCs face.

Broad incumbents

• Credito Emiliano (Credem): Mid-sized Italian commercial bank with regional strength and a broad product suite including retail, business, and private banking. Larger incumbent peer that competes with BCCs in retail and SME banking across northern Italy.

Regional players

• Banca Mediocredito del Friuli Venezia Giulia: Regional development bank operating in the Friuli Venezia Giulia region, the same area as ZKB. Comparable geographic focus and SME/business lending orientation in the Trieste/Gorizia-adjacent market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/zkb-credito-cooperativo-di-trieste-e-gorizia

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 ZKB