Gruppo BPER
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.
- Company typePublic
- Founded1992
- HeadquartersModena, Emiliaromagna, Italy
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
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.
Gruppo BPER firmographics
Firmographics- 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
Gruppo BPER industry classification
Industry- 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
Where Gruppo BPER is headquartered
LocationHeadquarters
- HQ city
- Modena, Emiliaromagna
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Gruppo BPER business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Traditional banking interest income from lending activities, deposits, and interbank operations
- Commission Income: Fee and commission income from banking services, account management, payment services, and financial products distribution
- Trading and Financial Markets: Income from trading activities, securities portfolio, and financial markets operations
- Corporate Finance Services: Bond issuance underwriting, M&A advisory, and capital markets services
Distribution channels3 records
Marketing channels9 records
Gruppo BPER product offering
Product offeringCore 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
Companies that use Gruppo BPER
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Gruppo BPER technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Gruppo BPER partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- SACEcoreBPER 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 BrianzaminorCo-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
Gruppo BPER competitors and assessment
Company assessmentRegional 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
Gruppo BPER social profiles
Digital presenceGruppo BPER financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gruppo BPER leadership team
Management profileNumber of profiles
Gruppo BPER subsidiaries and ownership
Company hierarchySubsidiaries1 record
Gruppo BPER funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gruppo BPER M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gruppo BPER
What does Gruppo BPER do?
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.
Is Gruppo BPER a public or private company?
Gruppo BPER is a public company. It is classified as public and is currently operating.
When was Gruppo BPER founded?
Gruppo BPER was founded in 1992. It employs 1 to 10 people.
Where is Gruppo BPER based?
Gruppo BPER is headquartered in Modena, Emiliaromagna, Italy, in the Europe region.
How does Gruppo BPER make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are commission Income, trading and Financial Markets and corporate Finance Services.
Who are Gruppo BPER's main competitors?
Banca Popolare di Puglia e Basilicata is listed as a regional player. Direct peers are UniCredit, Credito Emiliano (Credem), Banca Mediolanum, Mediobanca, Banco BPM, Intesa Sanpaolo and Banca Monte dei Paschi di Siena. Generali (financial/insurance crossover) is listed as an others. Crédit Agricole Italia is listed as a broad incumbent.
Does Gruppo BPER have an API?
No public API is recorded for Gruppo BPER.
What industry is Gruppo BPER in?
Gruppo BPER's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6021.