Wallets/bper
BPER Banca / SMART MOBILE
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Overview
BPER Banca is Italy's 3rd largest banking entity by deposits + branch network + post-Jun 3 2022 Banca Carige €1B 80% acquisition [1, 2, it-cro]. Sep 30 2025 baseline: BPER ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers; distinctive SMART MOBILE Italian banking app + SMART WEB internet banking platform (Reply + BPER Banca digital channels transformation); 2022 BPER Banca Group + IBM partnership to modernize core banking systems + accelerate digital transformation plan.
Distinctive BPER Banca positioning [1, 2, 3, 4]:
- Italy's 3rd largest banking entity by deposits + branch network (Banco BPM is Italy #3 by some other rankings; BPER also strong)
- ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers Sep 30 2025
- Distinctive SMART MOBILE Italian banking app + SMART WEB internet banking platform (Reply + BPER Banca digital channels transformation)
- Feb 14 2022 BPER signs agreement to acquire ~80% Banca Carige for €1B in consideration (following Carige's 2019-2020 resolution)
- Jun 3 2022 BPER closes Banca Carige acquisition → BPER assumes control of Carige operations + enhances footprint in Liguria + Sardinia
- 1867 Banca Popolare dell'Emilia founding (BPER Banca's ultimate predecessor; Modena Italian cooperative bank heritage)
- 2022 BPER Banca Group + IBM partnership to modernize core banking systems + accelerate digital transformation plan
History
Jun 1867 — Banca Popolare dell'Emilia founded in Modena, Italy → distinctive Modena Italian cooperative bank heritage.
1992 — Banca Popolare dell'Emilia + Banca Popolare di Cesena merger → Banca Popolare dell'Emilia Romagna (BPER).
2011 — BPER mobile banking app launches.
2016 — BPER Banca rebrand from Banca Popolare dell'Emilia Romagna.
Oct 2022 — BPER Banca Group + IBM partnership to modernize core banking systems + accelerate digital transformation plan [4].
Feb 14 2022 — BPER signs agreement to acquire ~80% Banca Carige for €1B in consideration (following Carige's 2019-2020 resolution) [3].
Jun 3 2022 — BPER closes Banca Carige acquisition → BPER assumes control of Carige operations + enhances footprint in Liguria + Sardinia through Carige's established network.
Sep 30 2025 — BPER ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers [1, 2].
Ownership & operator
Operating entity: BPER Banca S.p.A. (BIT: BPER).
Major shareholders: Unipol Gruppo (Italian insurance group) ~24.7% controlling + Italian institutional + Italian retail public float + foreign institutional.
Regulators: Banca d'Italia + ECB.
Technical integration
SMART MOBILE distinctive Italian banking app (iOS + Android; Reply + BPER Banca digital channels transformation; faster + easier + more intuitive interactions) + SMART WEB internet banking platform + bper.it online + BPER Banca cards (Visa + Mastercard + Bancomat) + BPER Banca Italian branch network (~2,000); SEPA Instant + Bancomat Pay; Banca Carige (post-Jun 3 2022 €1B 80% acquisition; integrated; Liguria + Sardinia footprint enhancement).
Users & growth
Sep 30 2025: BPER ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers.
Use cases
Italian retail + private + corporate + SME + investment + insurance banking via SMART MOBILE + SMART WEB internet banking + bper.it online + cards + branches; SEPA Instant + Bancomat Pay; Banca Carige (post-Jun 3 2022 €1B 80% acquisition; integrated; Liguria + Sardinia footprint enhancement).
Implementations & partners
Operator: BPER Banca S.p.A. (BIT: BPER); Unipol Gruppo (Italian insurance group) ~24.7% controlling + Italian institutional + Italian retail public float + foreign institutional.
Subsidiaries: Banca Carige (post-Jun 3 2022 €1B 80% acquisition; integrated; Liguria + Sardinia footprint enhancement) + BPER Group additional subsidiaries.
Strategic partnerships: 2022 BPER Banca Group + IBM partnership (modernize core banking systems + accelerate digital transformation plan) + Reply + BPER Banca SMART MOBILE + SMART WEB transformation.
Major Italian banking competitors: [[intesa-sanpaolo]] (Italy #1; Isybank digital subsidiary) + [[unicredit]] (Italy #2; HypoVereinsbank Germany + UniCredit CEE 13-country footprint) + [[banco-bpm]] (Italy #3 + survived 2025 UniCredit ~€10-15B takeover bid + Italian government Golden Power intervention + Jul 23 2025 UniCredit bid withdrawal) + Monte dei Paschi di Siena (BMPS; world's oldest bank in operation since 1472) + [[fineco-bank]] (Italian challenger digital broker + bank) + [[mediolanum]] (Italian private bank + life insurance + 1.2M+ customers + Mediolanum app 1M+ installs) + Mediobanca (Italian investment bank) + Credito Emiliano (Credem).
Regulators: Banca d'Italia + ECB.
Fun facts
- Italy's 3rd largest banking entity by deposits + branch network.
- ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers Sep 30 2025.
- Distinctive SMART MOBILE Italian banking app + SMART WEB internet banking platform (Reply + BPER Banca digital channels transformation).
- Feb 14 2022 BPER signs agreement to acquire ~80% Banca Carige for €1B in consideration (following Carige's 2019-2020 resolution).
- Jun 3 2022 BPER closes Banca Carige acquisition → BPER assumes control of Carige operations + enhances footprint in Liguria + Sardinia.
- Jun 1867 Banca Popolare dell'Emilia founding (BPER Banca's ultimate predecessor; Modena Italian cooperative bank heritage).
- 2022 BPER Banca Group + IBM partnership to modernize core banking systems + accelerate digital transformation plan.
Comparison
| Feature | BPER Banca / SMART MOBILE | [[banco-bpm]] (Italy #3 rival + survived 2025 UniCredit ~€10-15B takeover bid + Italian Golden Power + Jul 23 2025 UniCredit bid withdrawal) | [[intesa-sanpaolo]] (Italy #1 rival; Isybank digital subsidiary) | [[unicredit]] (Italy #2 rival; HypoVereinsbank Germany + UniCredit CEE 13-country footprint) | [[mediolanum]] (Italian private bank + life insurance + 1.2M+ customers rival) |
|---|---|---|---|---|---|
| Operator | BPER Banca S.p.A. (BIT: BPER) | Banco BPM S.p.A. (BIT: BAMI) | Intesa Sanpaolo S.p.A. (BIT: ISP) | UniCredit S.p.A. (BIT: UCG) | Banca Mediolanum S.p.A. (BIT: BMED) |
| Type | Italy's 3rd largest banking entity by deposits + branch network + ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers + SMART MOBILE + SMART WEB + Jun 3 2022 Banca Carige €1B 80% acquisition + 2022 IBM partnership + Unipol Gruppo ~24.7% controlling | Italy #3 + survived 2025 UniCredit ~€10-15B takeover bid + Italian government Golden Power intervention + Jul 23 2025 UniCredit bid withdrawal + YouApp + Banco BPM Anima Holding SpA asset manager 2025 acquisition | Italy #1 + Isybank digital subsidiary + Eurizon asset management + 7M+ Isybank target | Italy #2 + HypoVereinsbank Germany + UniCredit CEE 13-country footprint + 2025 Banco BPM ~€10-15B takeover bid attempt + Andrea Orcel CEO | Italian private bank + life insurance + 1.2M+ customers + Mediolanum app 1M+ Android installs + Italian 14th largest bank with 1.26% market share 2024 |
| Country | IT | IT | IT + 7+ countries | IT + 13 European countries (Germany + Austria + CEE) | IT |
| Distinctive | Jun 1867 Banca Popolare dell'Emilia founding in Modena (Modena Italian cooperative bank heritage); 1992 BPER formation via Banca Popolare dell'Emilia + Banca Popolare di Cesena merger; 2011 mobile app launch; 2016 BPER Banca rebrand; Oct 2022 BPER + IBM core banking modernization partnership; Feb 14 2022 BPER + Banca Carige €1B 80% agreement; Jun 3 2022 BPER Banca Carige acquisition closure (Liguria + Sardinia footprint enhancement) | 1865 Banca Popolare di Milano (BPM) founding in Milan; 1867 Banco Popolare predecessor founding; Jan 1 2017 Banco Popolare + BPM merger → Banco BPM | 2007 Banca Intesa + Sanpaolo IMI merger; 2020 UBI Banca €4.86B acquisition | 1998 Credito Italiano + Banca Commerciale Italiana merger; 2005 HypoVereinsbank Germany acquisition | 1982 Programma Italia founding (Mediolanum predecessor); 1997 Banca Mediolanum founding; Doris family controlling |
Status
Active, Italy's 3rd largest banking entity by deposits + branch network + post-Jun 3 2022 Banca Carige €1B 80% acquisition [1, 2, 3, 4]:
- BPER Banca S.p.A. (BIT: BPER) since Jun 1867 Banca Popolare dell'Emilia founding in Modena + 1992 BPER formation via Banca Popolare dell'Emilia + Banca Popolare di Cesena merger + 2016 BPER Banca rebrand.
- ~2,000 Italian branches + ~23,000 staff + 6M+ Italian customers + Banca Carige (post-Jun 3 2022 €1B 80% acquisition; integrated).
- SMART MOBILE + SMART WEB + 2022 IBM partnership.
- Unipol Gruppo ~24.7% controlling.
- Banca d'Italia + ECB regulated.
Sources
- 1 BPER Banca — Wikipedia
- 2 BPER Banca — Grokipedia
- 3 BPER signs Banca Carige acquisition agreement — BPER Banca
- 4 BPER Banca Group Collaborates with IBM to Modernize Core Banking Systems — IBM Newsroom
- it-cro In-corpus:
reports/countries/IT-italy.md
Source
Biography extracted from bper.md. See matrix.md for standards-support matrix if present.