Question 1

What is BCC Agrobresciano?

Accepted Answer

BCC Agrobresciano (Banca di Credito Cooperativo Agrobresciano - Società Cooperativa) is a cooperative credit bank based in Ghedi, in the province of Brescia, Lombardy, Italy. As a member of the BCC Iccrea Group, Italy's largest cooperative banking group, BCC Agrobresciano operates as a local, mutual, not-for-profit organization dedicated to serving its members and the communities in its territory.

In 2023, the bank ranked as the 137th largest bank in Italy with total assets of €1.27 billion, representing a 0.04% market share. The bank employs approximately 167 people and serves local residents, businesses, and legal entities throughout the Brescia area.

Question 2

When was BCC Agrobresciano founded?

Accepted Answer

While the specific founding date of BCC Agrobresciano is not publicly documented, the bank is part of the broader Italian cooperative banking movement that traces its origins to 1883 when the first Rural Bank (Cassa Rurale) was established in Loreggia, Italy. The cooperative credit banking system evolved over more than a century, with Rural and Artisan Banks becoming Cooperative Credit Banks (BCCs) following the Italian Consolidated Banking Act of 1993 (Legislative Decree no. 385/1993).

BCC Agrobresciano joined the Iccrea Cooperative Banking Group when it was formally established on March 4, 2019, following the Italian cooperative banking reform (Law no. 49 of 2016). The bank's authorization date by the European Central Bank is June 20, 2017, marking its formal recognition under current European banking supervision.

Question 3

Where is BCC Agrobresciano headquartered?

Accepted Answer

BCC Agrobresciano is headquartered in Ghedi, a municipality in the province of Brescia, Lombardy, Italy. The main office is located at Piazza Roma 17, 25016 Ghedi (BS).

Question 4

Where does BCC Agrobresciano operate?

Accepted Answer

BCC Agrobresciano operates primarily in the province of Brescia and the surrounding Lombardy region. The bank maintains multiple branch locations throughout the Brescia area, including:
• Ghedi (headquarters)
• Brescia city, with several branches including locations at Piazza Duomo (opened in May 2021), Via Flaminia, Via Triumplina, and San Polo
• Additional municipalities in the Brescia province and neighboring areas

As a cooperative bank, BCC Agrobresciano focuses on serving local communities within its operational territory, maintaining a strong territorial presence that distinguishes it from larger national banks.

Question 5

What services does BCC Agrobresciano offer?

Accepted Answer

BCC Agrobresciano provides a comprehensive range of banking and financial services to its members and customers:

Retail Banking Services:
• Current accounts and cash accounts
• Savings accounts and time deposits (protected up to €100,000 under the Italian Deposit Guarantee Scheme)
• Personal loans and mortgages
• Payment cards and credit cards (including participation in the PremiaTi Revolution rewards program)

Digital Banking Services:
• Inbank online banking platform for personal and business customers
• Mobile banking applications
• CBILL digital payment system for utilities, tickets, and taxes
• Bancomat Pay digital payment services
• Online trading platforms
• ATM network

Business Services:
• Commercial lending and credit facilities
• Business accounts and cash management
• POS terminals for merchants
• Telepass and Viacard services for business transportation needs

Insurance Products:
• Banking insurance products through cooperative partners

Additional Services:
• Wealth management and investment advisory
• Financial planning and consulting (by appointment)
• Support for agricultural and artisan enterprises

Question 6

What makes BCC Agrobresciano unique?

Accepted Answer

BCC Agrobresciano distinguishes itself through several key characteristics:

Cooperative Mutual Structure: As a not-for-profit cooperative bank, BCC Agrobresciano is owned by its members (soci) and operates according to mutual principles, prioritizing community benefit over profit maximization.

Deep Local Commitment: The bank demonstrates exceptional territorial engagement through:
• Eleven consecutive years as main sponsor of Librixia, Brescia's Book Fair
• Active support for local cultural events and social initiatives
• Annual Premio allo Studio scholarship program (now in its 23rd edition) for members and their children
• Participation in community health initiatives like Race for the Cure Brescia

Community Banking Model: The bank collects savings locally and reinvests them in the same territory, directly supporting local economic and social development. In several municipalities, BCC branches serve as the only banking presence, making them essential community infrastructure.

ESG Leadership: Through the BCC Iccrea Group, the bank has achieved a Negligible ESG Risk Rating (8.2) from Morningstar Sustainalytics and has been recognized as a Leader in Sustainability 2024 by Il Sole 24 Ore and Statista.

Strong Financial Performance: In 2023, the bank achieved a 1.21% return on assets, ranking 82nd among profitable Italian banks, demonstrating financial stability while maintaining its cooperative mission.

Question 7

What type of financial institution is BCC Agrobresciano?

Accepted Answer

BCC Agrobresciano is a Banca di Credito Cooperativo (Cooperative Credit Bank), a distinctive Italian banking institution type regulated as a credit institution (CRDCREINS) under European banking supervision.

Cooperative Credit Banks represent a unique category in the Italian financial system, characterized by:

Mutual Cooperative Structure: BCCs operate as cooperative societies (Società Cooperativa) where members hold ownership stakes and participate in governance through democratic principles (one member, one vote, regardless of shareholding size).

Local Operational Focus: Unlike commercial banks, BCCs are required to primarily serve their local territories and communities, with strong ties to specific geographic areas and local economic development.

Member-Centric Banking: The bank's primary purpose is serving its members' financial needs rather than maximizing shareholder returns, following the cooperative principles established in the Italian Consolidated Banking Act.

Regulatory Framework: As a member of the BCC Iccrea Group formed under Law 49/2016, the bank operates within a cooperative banking group structure while maintaining local autonomy. It is supervised directly by the European Central Bank (ECB) as part of the European Banking Supervision framework and participates in the Italian Deposit Guarantee Fund for Cooperative Credit Banks (Fondo di Garanzia Depositanti del Credito Cooperativo).

This cooperative banking model combines local mutual banking traditions dating back to the 19th century with modern banking capabilities and regulatory compliance.

BCC Agrobresciano

in Italy 🇮🇹

Crypto-Friendliness

All done!

About BCC Agrobresciano in Italy

BCC Agrobr­esciano