BPER

BPER, short for Banca Popolare dell'Emilia Romagna, is an Italian banking group providing retail and corporate financial services. The group is headquartered in Modena and operates primarily through BPER Banca S.p.A. and has a network of branches across northern and central Italy, complemented by digital channels and specialized subsidiaries.

The institution traces its origins to several local cooperative banks in the Emilia-Romagna region and traces its name to Banca Popolare dell'Emilia Romagna. It evolved from a cooperative model into a joint-stock banking group, expanding through mergers and acquisitions to form a diversified financial services provider.

BPER's activities cover traditional retail banking, such as current accounts, deposits, mortgages and consumer lending, along with corporate financing, payment services, wealth management and asset management. The group also distributes insurance products through partnerships and develops digital banking solutions for individuals and businesses.

Corporate structure comprises BPER Banca S.p.A. as the operating bank and Gruppo BPER as the holding group, with various subsidiaries focusing on asset management, leasing, and insurance distribution. The group markets under the BPER brand in its retail network and serves clients ranging from individuals to small and medium-sized enterprises.

In the Italian and European regulatory environment, BPER is supervised by the Bank of Italy and, for certain activities, the European Central Bank, and participates in the Italian deposit guarantee scheme. It is regarded as a significant mid-sized player in Italy's banking sector, continuing to pursue consolidation and digital expansion.