Gruppo BPER

What Gruppo BPER does

Gruppo BPER Banca S.p.A. is one of the largest Italian banking groups, headquartered in Modena, Emilia-Romagna, and publicly listed on the Milan Stock Exchange (FTSE MIB) under the ticker BPER. The group was formed in 1992 through the merger of cooperative banks in Emilia-Romagna and has since grown into a full-service universal bank operating across Italy under the Business Plan 2024-2027 'Full Value 2027'. Its activities span retail banking (deposits, mortgages, personal loans), commercial and corporate banking (lending, trade finance, cash management), trading and financial markets, and corporate finance services such as bond underwriting and M&A advisory.

The group serves two primary customer segments: individual and family retail customers, and businesses and enterprises including SMEs and large corporates, with a specialized agricultural lending niche. Distribution combines an extensive physical branch network across Italian regions with the BPER online and mobile banking platforms, complemented by the B:Dynamic digital acceleration initiative. Supporting engagement channels include the Due Punti newsletter, podcast series, financial education programs (including 'Oltre il rosa'), and cultural and sports sponsorships across Italy.

The business model is a diversified banking revenue stack: net interest income from lending and deposits, fee and commission income from banking services and product distribution, trading and financial markets income, and professional-services fees from corporate finance. Recent strategic activity includes the 2025 integration of Banca Popolare di Sondrio, a SACE framework partnership supporting internationalization, and active bond co-underwriting. The group was recognized as 'Italy's Best Bank 2026' by Euromoney.

Name

Gruppo BPER

Legal name

BPER Banca S.p.A.

Website

https://gruppobper.it

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

Gruppo BPER Banca is one of Italy's largest publicly listed banking groups (FTSE MIB, ticker BPER), headquartered in Modena. It provides retail, commercial, corporate, and capital-markets banking services to individuals, SMEs, and large enterprises across Italy, operating under its Full Value 2027 plan.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

Keywords

• Retail banking services
• Commercial banking
• Corporate finance advisory
• Digital banking platform
• Italian banking group

Headquarters

HQ city

Modena, Emiliaromagna

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

Revenue model

1. Net Interest Income: Traditional banking interest income from lending activities, deposits, and interbank operations
2. Commission Income: Fee and commission income from banking services, account management, payment services, and financial products distribution
3. Trading and Financial Markets: Income from trading activities, securities portfolio, and financial markets operations
4. Corporate Finance Services: Bond issuance underwriting, M&A advisory, and capital markets services

Distribution channels3 records

Marketing channels9 records

Core offering

Gruppo BPER operates a unified banking platform providing retail, commercial, and corporate banking services across Italy. Core offerings include deposits, mortgages, personal and business loans, current accounts, payment services, insurance distribution, and corporate finance services such as bond issuance underwriting, M&A advisory, and capital markets activities. Distribution combines an extensive physical branch network with online and mobile banking channels.

Product overview

Gruppo BPER Banca operates as a unified banking platform offering retail, commercial, and corporate banking services. The core product is BPER Banca, which provides deposits, lending, mortgages, and financial services to individuals and businesses. Supporting digital offerings include the Due Punti newsletter and BPER Podcast for financial education and engagement. The B:Dynamic initiative represents the group's digital acceleration strategy embedded within the broader Full Value 2027 business plan.

Differentiator

Problem solved

Functional benefit

Brands

• B:Dynamic: Digital innovation initiative and business plan pillar focusing on digital transformation and acceleration beyond traditional banking.
• BPER e-volution
• Full Value 2027
• Due Punti

Products and services

• BPER Banca retail and commercial banking

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• SACEcoreStrategic or Co-development Partner · 5 August 2026BPER Group has joined SACE's framework agreements for Internationalization Guarantee and Archimede Guarantee programs to support Italian businesses in international markets and strategic domestic investments. The partnership enables support for development projects in foreign markets, including supply chains with international focus, and strategic investments in Italy.
• Banco di Desio e della BrianzaminorStrategic or Co-development Partner · 14 July 2026Co-underwriter with BPER for Vezzani's bond issuance totaling 10 million euros. Both banks acted as subscribers confirming their commitment to supporting growth of Italian businesses through strategic industrial investment financing.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Banca Popolare di Puglia e Basilicata: An Italian cooperative-rooted regional bank focused on southern Italy. Comparable in cooperative-bank heritage and SME relationship banking, though it operates primarily in a different geography from BPER's northern footprint.

Direct peers

• UniCredit: UniCredit is Italy's largest banking group, offering retail, corporate, and investment banking services with both domestic and significant international (CEE) franchises. Directly comparable to BPER on Italian retail and commercial banking, with greater scale and geographic diversification.
• Credito Emiliano (Credem): Credem is an Italian private/independent bank with strong Emilia-Romagna roots and nationwide retail and corporate banking. Directly comparable as a regional cooperative-rooted bank with similar SME and affluent retail focus.
• Banca Mediolanum: Banca Mediolanum is an Italian retail and wealth management bank with a strong financial-advisory distribution model. Comparable as a domestic competitor for retail deposits, advisory-led banking, and digital customer acquisition.
• Mediobanca: Mediobanca is an Italian investment and corporate banking group with private banking and consumer finance arms. Comparable on the corporate finance, capital markets, and wealth-management revenue streams BPER discloses, and a relevant Italian capital-markets competitor.
• Banco BPM: Banco BPM is a major Italian retail and commercial bank formed via mergers of cooperative banks, headquartered in northern Italy. Highly comparable as a direct competitor in northern Italian retail, SME lending, and asset gathering.
• Intesa Sanpaolo: Intesa Sanpaolo is Italy's other dominant universal bank, serving retail, SME, corporate, and wealth management customers across Italy. Closely comparable in product breadth and customer mix, and a primary domestic competitor to BPER across all major segments.
• Banca Monte dei Paschi di Siena: Monte dei Paschi is Italy's oldest bank and a significant universal bank with strong central-Italian territorial presence. Comparable as a domestic full-service competitor with similar retail and SME orientation.

Others

• Generali (financial/insurance crossover): Generali is Italy's largest insurer with a major asset management arm and bancassurance partnerships. Comparable as an ecosystem participant whose insurance products are distributed through Italian banks including BPER, and as an adjacent financial-services competitor for customer wallet share.

Broad incumbents

• Crédit Agricole Italia: Crédit Agricole Italia is the Italian subsidiary of the French Crédit Agricole group, offering retail, corporate, and private banking in Italy. Comparable as a competitor in Italian retail and corporate banking, with broader incumbent backing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sharer/sharer.php?u=https%3A%2F%2Fgroup.bper.it
• Xtwitter.com/share?url=https%3A%2F%2Fgroup.bper.it
• LinkedInlinkedin.com/company/gruppo-bper

Revenue estimate

Valuation estimate

Number of profiles

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 Gruppo BPER