BCC Scafati e Cetara - Gruppo BCC Iccrea

What BCC Scafati e Cetara - Gruppo BCC Iccrea does

BCC Scafati e Cetara is an Italian cooperative bank (Banca di Credito Cooperativo) founded in 1914 and headquartered in Scafati, in the Campania region. It is a constituent bank of Gruppo Bancario Cooperativo Iccrea, Italy's largest cooperative banking group, and operates under the mutual aid framework in which profits are reinvested locally rather than distributed to external shareholders. The bank serves retail and small-business customers in the Scafati, Cetara, and Amalfi Coast territories through physical branches, 24/7 ATM terminals, and the RelaxBanking digital platform. President Massimo Cavallaro and Director General Vincenzo Ferrara lead a small institution (25 employees disclosed in firmographics), operating within an autonomy area of the group's risk-monitoring framework with a CET1 ratio above 30% on the FY2020 balance sheet.

Its product portfolio spans current accounts and deposits, mortgages and personal loans (including the online Crediper channel and the Prestito Green variant), business debit/credit cards (CartaBCC Debit Business, CartaBCC Credit, CartaBCC Impresa), merchant acquiring (SmartPOS Connect, Tap to Pay su iPhone), and a broad set of wealth and insurance products distributed through group partners (BCC Vita life policies including the 2024 Level Soci edition, Fondo Pensione Aperto Aureo, PIR bond products, Gestioni Patrimoniali Essential, and PAC capital accumulation plans). Core technology is delivered via the group-shared RelaxBanking/In.Step digital banking platform, a PSD2-compliant dedicated TPP interface on CBI Globe (in production since June 1, 2019), and SEPA-compliant payment rails (SCT, SCT Inst, SDD). ESG-themed lending (FRI Green New Deal, Decarbonizzazione loans) and government-guaranteed programs (Fondo di Garanzia Prima Casa, SACE Growth) round out the catalog. Anti-fraud awareness is provided via the Stop Frodi service, and regulatory certifications include GDPR compliance, PSD2-TPP exemption, partial WCAG 2.1 AA conformance, and Italian accessibility law (Legge 4/2004) alignment.

The business model is traditional net-interest income supplemented by fee, commission, insurance distribution, and asset-management revenue, with cross-sell across cards, protection, and investment products driven by relationship banking through branches. Distribution is exclusively domestic (Campania region), segmented horizontally across Famiglie e Privati, Aziende e Professionisti, Giovani, and Soci. Pricing follows Bank of Italy regulations and is not publicly disclosed, requiring in-branch consultation for specific loan and account quotes. Marketing relies on organic social (Facebook, LinkedIn), the institutional website, the shareholder magazine "Informa...ti è meglio," and community sponsorships.

Name

BCC Scafati e Cetara - Gruppo BCC Iccrea

Legal name

Banca di Credito Cooperativo di Scafati e Cetara

Website

https://bccscafatiecetara.it

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

BCC Scafati e Cetara is an Italian cooperative bank founded in 1914, serving families, businesses, professionals, and young people in the Campania region through branches, ATMs, and the RelaxBanking digital platform, as a member of Gruppo BCC Iccrea.

Ownership category

akta.pro rank

Headquarters

HQ city

Scafati

HQ country

Italy

HQ region

Europe

Offices4 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: Traditional banking revenue from lending activities including mortgages, personal loans, and business financing. Interest income from credit operations is the primary revenue stream for the cooperative bank.
2. Commission and Fee Income: Banking fees and commissions from payment services, account management, card transactions, and financial advisory services.
3. Insurance Distribution: Distribution of insurance products including BCC Vita life insurance, pension funds (Fondo Pensione Aperto Aureo), and property/casualty coverage.
4. Investment and Wealth Management: Asset management products, investment services, PIR (Piani Individuali di Risparmio), Gestioni Patrimoniali, and capital market products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

BCC Scafati e Cetara is an Italian cooperative bank (Banca di Credito Cooperativo) offering a comprehensive portfolio of retail and commercial banking services, including current and savings accounts, mortgages, personal and business loans, payment cards, insurance and pension products, wealth management, and merchant payment solutions. It serves families, businesses, professionals, young people, and cooperative members across the Scafati, Cetara, and Amalfi Coast areas of the Campania region, operating as a constituent member of Gruppo Bancario Cooperativo Iccrea.

Product overview

BCC Scafati e Cetara is a cooperative bank (Banca di Credito Cooperativo) affiliated with Gruppo Bancario Cooperativo Iccrea, offering a comprehensive portfolio of traditional banking products and digital services. The product portfolio centers on core banking (current accounts, deposits) and credit products (mortgages, personal loans including Crediper online loans), complemented by an extensive card suite (CartaBCC Debit Business, CartaBCC Credit, CartaBCC Impresa), investment and wealth management products (Gestioni Patrimoniali Essential, Piano di Accumulo Capitale PAC, PIR Obbligazionario, Global Investment Managers ICAV, I Navigati), life and general insurance products (BCC Vita Level Plus, BCC Vita Unica Evolution, BCC Vita Level Soci 2024, Fondo Pensione Aperto Aureo, Casa Protetta, Formula Tutela Reddito, Mutuo al Sicuro 3.0), and merchant payment solutions (SmartPOS Connect, Tap to Pay su iPhone, PayWay Mail). Digital banking is delivered via RelaxBanking (home banking platform with app) and In.Step. The bank also supports green financing (FRI Green New Deal, Prestito Green Crediper), government guarantee programs (Fondo di Garanzia Prima Casa with 50% coverage), and SACE Growth guarantees for businesses. Anti-fraud protection is available via Stop Frodi. The offering targets individuals, families, businesses, professionals, and young customers through segmented product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• RelaxBanking

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

One partnership is on record.

• Gruppo Bancario Cooperativo IccreacoreStrategic or Co-development PartnerParent banking group. BCC Scafati e Cetara is a constituent bank of Gruppo BCC Iccrea, Italy's largest cooperative banking group. The group provides centralized services, risk management, product platforms, and governance framework. All member banks operate under the mutual support mechanism and share brand, technology platforms, and strategic direction.

Scale indicators5 records

Recent moves8 records

Expansion highlights3 records

Direct peers

• Banca Popolare Etica: Italian cooperative bank focused on ethical and ESG lending. Comparable as a values-driven, member-owned Italian bank operating with similar mutual principles and community-led GTM in the same regulatory framework.
• Cassa Centrale Banca: The 'other' main Italian cooperative banking group (Gruppo Bancario Cooperativo Cassa Centrale), coordinating roughly 70+ BCCs across northern and central Italy. Directly comparable as the structural counterpart to Gruppo BCC Iccrea, with the same mutual/cooperative banking model.
• Cassa di Risparmio di Bolzano (Südtiroler Sparkasse): Italian mutual/savings bank with deep regional roots and a strong retail/SME lending franchise. Comparable as a member-owned regional Italian depository institution with community-led distribution and similar deposit-funded lending model.

Broad incumbents

• UniCredit: Pan-European banking group with deep Italian retail, SME, and wealth management franchise. Comparable as a broad incumbent and direct competitor for deposits, mortgages, and SME lending in Italy.
• Banco BPM: Top Italian banking group formed from regional cooperative-rooted banks. Comparable as a broad incumbent with strong northern Italian retail and SME franchise competing for similar depositors and borrowers.
• Credito Emiliano (Credem): Italian regional bank with strong family/SME banking franchise and digital initiatives. Comparable as a regional retail and SME competitor in Italy with overlap in family banking, mortgages, and business lending.
• Intesa Sanpaolo: Italy's largest banking group by total assets, with the densest physical branch network and broadest product platform. Comparable as the dominant Italian retail/SME incumbent competing directly in the same Campania market.
• BPER Banca: Major Italian regional incumbent bank with strong presence across retail and SME customers in central and southern Italy, including Campania. Comparable as a competitor for the same household and SME deposit/lending market.

Others

• Crediper: Online personal loan platform of the Italian cooperative banking system used to distribute 'Prestito Online Crediper' through partner BCCs. Comparable as an ecosystem-level product and origination partner directly tied to BCC Scafati's product line.

Regional players

• Banca Monte dei Paschi di Siena: Historic Italian bank with strong central/southern Italy retail presence, including Campania. Comparable as a regionally rooted retail/SME competitor overlapping on depositors and small business lending.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bccscafatiecetara
• LinkedInlinkedin.com/company/bcc-scafati-e-cetara

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 BCC Scafati e Cetara - Gruppo BCC Iccrea