Cassa Rurale Lavis Valle di Cembra Banca di credito cooperativo società cooperativa

What Cassa Rurale Lavis Valle di Cembra Banca di credito cooperativo società cooperativa does

Cassa Rurale Lavis Valle di Cembra Banca di credito cooperativo società cooperativa operates as BTS Banca Trentino-Südtirol, a regional cooperative bank (Banca di Credito Cooperativo) and participating member of Gruppo Cassa Centrale, serving retail customers (Privati), small and medium enterprises (Imprese), youth aged 18-30 (Giovani), and cooperative member-shareholders (Soci) across the Trentino-Alto Adige region of Italy. The institution was originally founded as Cassa Rurale Lavis Valle di Cembra and subsequently merged into the Gruppo Cassa Centrale network, operating from headquarters in Trento (Via Belenzani 4) with additional branch presence in Volano.

The bank offers a comprehensive full-service banking product suite organized around customer 'life projects' (progetti di vita): current accounts and cards, personal and business financing including the Prestipay personal loan and Mutuo Green eco-mortgage, investment and wealth management, pension/retirement products (Previdenza), insurance products including the AsSìCare health policy, merchant POS services for businesses, and foreign trade services. Technology infrastructure centers on the Inbank digital banking platform (online and mobile) accessible via inbank.it, complemented by PSD2 Open Banking interfaces, FEA (Firma Elettronica Avanzata) electronic signature, and the 'Prenota Banca' branch appointment system. The cooperative ownership structure is operationalized through member governance (Consulta dei Soci), member-exclusive travel and events, and annual profit distributions (ristorno).

Revenue is generated through five principal streams: retail and commercial banking transaction fees (deposits, lending, payment services, merchant POS commissions), subscription/recurring investment and wealth management fees, insurance distribution commissions (health and other policies), pension and social security advisory fees, and cooperative membership returns allocated to soci. Pricing is largely quote-based for loans, mortgages, and investments; the Conto EVO youth account offers a zero annual fee (canone zero) structure for customers under 30. Distribution is hybrid: a physical branch network across Trentino-Alto Adige plus the Inbank self-service digital channel, supplemented by partnerships such as Claris for youth mobility solutions. The bank pursues a community-led go-to-market motion in which local residents become shareholders, reinforced by the Fondazione Cassa Rurale di Trento cultural foundation and a regional ESG positioning campaign conducted under the Gruppo Cassa Centrale umbrella.

Name

Cassa Rurale Lavis Valle di Cembra Banca di credito cooperativo società cooperativa

Legal name

Banca per il Trentino Alto Adige – Bank für Trentino-Südtirol – Credito cooperativo italiano - Società Partecipante al Gruppo IVA Cassa Centrale Banca

Website

https://cr-lavis.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Cassa Rurale Lavis Valle di Cembra operates as BTS Banca Trentino-Südtirol, a regional Italian cooperative bank within Gruppo Cassa Centrale serving retail, SME, youth, and member-shareholder segments in Trentino-Alto Adige with full-service banking, the Inbank digital platform, and ESG-led community positioning.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Commercial Banks, Nec (6029), National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Wealth management
• Payment services

Headquarters

HQ city

Trento

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Services: BTS Banca generates revenue through standard retail and commercial banking activities including deposits, current accounts, personal and mortgage lending, credit facilities, payment services (POS for merchants), and associated banking fees and commissions.
2. Investment and Wealth Management: Revenue from investment products, wealth management advisory, and related services offered to both retail (Privati) and business (Imprese) customers.
3. Insurance Products Distribution: The bank acts as an insurance distributor offering health (AsSìCare) and other insurance products, earning commissions on premiums placed.
4. Pension and Social Security Products: Previdenza (pension) products offered to retail customers for retirement planning, generating advisory and distribution fees.
5. Cooperative Membership Returns (Ristorno): As a cooperative bank, returns a portion of profits (8 million euro ristorno approved in 2026) to members, reflecting the cooperative ownership model where customers are also members/owners.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Cassa Rurale Lavis Valle di Cembra, operating as BTS Banca Trentino-Südtirol, is an Italian cooperative bank (Banca di Credito Cooperativo) offering retail, business, and youth banking services including current accounts, credit/debit cards, personal loans (Prestipay), mortgages (including Mutuo Green eco-mortgage), investments, pension products (Previdenza), insurance (including AsSìCare health insurance), merchant POS services, foreign trade services, and digital banking via the Inbank platform.

Product overview

BTS Banca Trentino-Südtirol, operating under Gruppo Cassa Centrale, operates as a cooperative banking institution (Banca di credito cooperativo) offering a comprehensive portfolio of banking products and services. The product suite consists of core banking products (conti correnti, carte, finanziamenti, investimenti, previdenza, assicurazioni) combined with specialized offerings including InBank digital banking platform, Conto EVO youth account (zero fee up to age 30), AsSìCare health insurance, Mutuo Green eco-mortgage, Prestipay personal loans, and merchant POS services. The institution emphasizes ESG (sustainable finance) principles as a core differentiator, with products designed around customer life projects (progetti di vita).

Differentiator

Problem solved

Functional benefit

Products and services

• Conti Correnti (Current Accounts) Current/checking accounts for personal banking customers, providing standard transactional banking services including deposits, withdrawals, and payments.
• Carte (Cards) Credit and debit card products for personal banking customers, providing payment and cash access functionality.
• Finanziamenti (Loans and Mortgages) Loan products including mortgages and personal financing solutions for personal banking customers.
• Investimenti (Investment Products) Investment products and services for personal banking customers, supporting wealth management and asset allocation needs.
• Previdenza (Pension and Retirement) Pension and retirement planning products for personal banking customers, supporting long-term financial security.
• Assicurazioni (Insurance) Insurance products including health and general insurance coverage for personal banking customers.
• InBank (Digital Banking Platform) Digital banking platform providing online and mobile banking access for customers to manage accounts, payments, and financial services.
• Conto EVO Current account with zero annual fee for customers up to 30 years old, designed to help young people entering the workforce with adaptable features for evolving financial needs.
• AsSìCare (Health Insurance) Health insurance product covering medical expenses and health-related needs, marketed alongside banking products for cross-selling.
• Mutuo Green (Green Mortgage) Eco-friendly mortgage product for purchasing homes with reduced environmental footprint, aligned with ESG principles and sustainable finance objectives.
• Prestipay (Personal Loan) Personal loan product with promotional campaigns like 'Taglia la Rata' (cut the installment), offering favorable terms for retail borrowers.
• POS (Merchant Payment Terminals) Point of Sale terminal services for business customers to accept electronic payments, supporting merchant payment processing.
• Servizi Digitali per Imprese (Business Digital Services) Digital services package for business customers including online banking and digital tools tailored to SME operations.
• Business Financing (Imprese Finanziamenti) Loan and financing products tailored to local SMEs and businesses in Trentino-Alto Adige for working capital and business investment.
• Foreign Trade Services (Estero) International trade and foreign services for business customers engaged in cross-border commerce and foreign operations.
• Business Insurance (Assicurazioni Imprese) Insurance products tailored for business customers covering operational risks and commercial activities.

Quantifiable outcome

• 8 million euro in member profit-sharing (ristorno) approved and distributed to cooperative members in 2026
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Fondazione Umberto VeronesicoreStrategic or Co-development Partner · 1 January 2026BTS Banca Trentino-Südtirol partners with Fondazione Umberto Veronesi to promote a culture of health prevention in the local community. The partnership focuses on public health awareness and educational initiatives related to preventive medicine.
• PrestipaycoreChannel Partner/ Reseller/ Distributor · 1 January 2026Prestipay is the bank's personal loan product brand, offered to retail customers with promotional campaigns such as 'Taglia la Rata' (cut the installment). The bank distributes Prestipay loans through its branch and digital channels.
• Casse Rurali and Trentino SviluppocoreStrategic or Co-development Partner · 1 January 2026BTS Banca participates in a collaborative initiative with other Casse Rurali (cooperative banks), Cassa Centrale Banca, and Trentino Sviluppo (regional development agency) focused on sustainability. This multi-stakeholder partnership aims to advance ESG and sustainable development objectives in the Trentino region.
• InbankcoreTechnology or IntegrationInbank is the digital banking platform provider used by BTS Banca for online and mobile banking services. It is accessible via inbank.it and serves as the bank's primary digital channel for customers to manage accounts, payments, and financial services.
• Claris (clarisrent.it)minorChannel Partner/ Reseller/ DistributorClaris is a car rental and mobility solutions provider. BTS Banca promotes Claris offers on its youth banking page, cross-selling mobility services alongside the Conto EVO youth account. The tagline 'Sai sempre quanto spendi, mese dopo mese – Un solo canone fisso, tutti i servizi inclusi' is used jointly.
• Fondazione Cassa Rurale di TrentocoreStrategic or Co-development PartnerThe bank's associated foundation, Fondazione Cassa Rurale di Trento, supports cultural, educational, and community initiatives. It organizes the 'Benvenuti al Cinema' outdoor cinema series at Palazzo Benvenuti and other community events, enhancing the bank's social impact and brand presence.

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Others

• Federazione Italiana delle Banche di Credito Cooperativo e Casse Rurali: National trade body representing Italian cooperative banks (Banche di Credito Cooperativo and Casse Rurali). Highly comparable as the institutional representative of the same cooperative banking sector in which BTS Banca operates, sharing identical regulatory and mutual-ownership dynamics.

Broad incumbents

• Intesa Sanpaolo: Italy's largest banking group, offering the full retail, SME, and wealth management product suite that BTS Banca provides at a regional level. Comparable as a broad incumbent whose product breadth, digital scale, and capital base set the competitive ceiling for cooperative banks in the same Italian market.
• Banca Mediolanum: Italian retail-focused bank with strong family/wealth management and advisory positioning. Comparable as an established Italian retail bank targeting similar household financial-planning use cases that BTS Banca addresses via its 'progetti di vita' life-stage advisory model.
• UniCredit: Major pan-European Italian-headquartered banking group with full retail, corporate, and investment banking offerings across Italian regions including Trentino-Alto Adige. Comparable as a broad incumbent competing directly for retail deposits, mortgages, and SME lending in BTS Banca's home geography.
• Poste Italiane (BancoPosta): Italy's national postal operator with an embedded retail banking division (BancoPosta) and the largest physical distribution network in Italy. Comparable as a broad incumbent competing for retail deposits, payments, and basic banking services across Italian regions, leveraging a hybrid physical-digital model similar in concept to BTS Banca's branch-plus-Inbank approach.

Direct peers

• Cassa Centrale Banca: Coordinator of Italy's Gruppo Cassa Centrale cooperative banking group, of which BTS Banca is a participating member. Operates as the central hub for capital, technology (including Inbank), product development, and ESG strategy across Italian BCCs — directly comparable as the umbrella entity defining BTS Banca's strategic and operational framework.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cassa-rurale-lavis-valle-di-cembra-banca-di-credito-cooperativo-societ%C3%A0-cooperativa

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 Cassa Rurale Lavis Valle di Cembra Banca di credito cooperativo società cooperativa