--- title: "Bper Banca S.P.A. SWIFT/BIC code BPMOIT22XXX · Italy | Elucidate" description: "Significant institution directly supervised by the ECB. SWIFT/BIC code BPMOIT22XXX for Bper Banca S.P.A., Italy. Head-office BIC, LEI N747OI7JINV7RUUH6190." url: https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22 --- 1. [Directory](https://elucidate.co/directory) 2. [Italy](https://elucidate.co/directory/country/it) 3. Bper Banca S.P.A. ![BPER logo](https://elucidate.co/images/banks/c5/c58dd4cbfb56f9fb.webp) Italy · Credit institution # Bper Banca S.P.A. BPER Banca S.p.A. is an Italian joint-stock company with its registered office in Modena. It is the parent company of the BPER Banca banking group. Its shares are listed in Milan. According to its website, the largest shareholders are Unipol Assicurazioni S.p.A. with 19.9% and Fondazione di Sardegna with 7.4%. It provides retail, corporate, private banking and wealth management services, mainly in Italy. It converted from a cooperative into a joint-stock company in November 2016. It later absorbed Banca Carige in November 2022 and Banca Popolare di Sondrio on 20 April 2026. ECB · Single Supervisory Mechanism Directly supervised by the ECB Total assets EUR 150–300 bn Supervised group head BIC **BPMOIT22XXX** LEI **[N747OI7JINV7RUUH6190](https://search.gleif.org/#/record/N747OI7JINV7RUUH6190)** Licence no. **Not on a tracked register** Reverse billing [ECB significant institution](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#regulatory) Head-office BIC only [Group: Bper Banca S.P.A.](https://elucidate.co/directory/group/N747OI7JINV7RUUH6190) [Claim this profile](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#claim) ## Licences and registrations Matched by LEI on the 22 tracked registers None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#regulatory)): that is banking supervision, not a licence on a tracked register. - The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. ## Regulatory status ### ECB banking supervision List of supervised entities as of 2026-07-01 - **Classification:** Significant institution - **Supervisor:** European Central Bank (direct supervision) - **Listed as:** BPER Banca S.p.A. - **Entity type:** Credit institution - **Supervisory group:** Heads its own group - **Why significant:** Size (Total assets EUR 150-300 bn) ## European registers ### ECB · monetary financial institutions List as at 2026-09-25 - **Category:** Credit institution - **Minimum reserves:** Subject to minimum reserves - **Listed as:** BPER BANCA S.P.A. - **RIAD code:** IT0000375525937 ### ESMA · MiFID II register Register as at 2026-09-28 | Entry | Competent authority | Authorised | Services or instruments | | --- | --- | --- | --- | | Investment services (MiFID II) | BANCA D'ITALIA | 2007-11-01 | A1 A2 A3 A4 A5 A6 A7 | Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning. Entries are matched on the LEI. Each register is quoted as its publisher lists it. ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** BPMOIT22XXX head office - **Connection to Swift:** Reverse billing - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#schemes) - **Branch codes:** None: head-office BIC only - **BIC first registered:** 1978-06-05 - **Last updated:** 2025-06-28 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#overview-sources) ![BPER - Statua di donna](https://elucidate.co/images/banks/5d/5d03f27a1154f094.webp) Photo: Pistilla · [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0) · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:BPER_-_Statua_di_donna.jpg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/e/e3/BPER_-_Statua_di_donna.jpg/960px-BPER_-_Statua_di_donna.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail) Total assets EUR 208.6bn Group · 30 Jun 2026 · [interim report ↗](https://group.bper.it/documents/133577364/2799448621/26.08.06+Comsta+risultati+1H26+-+def_con+allegati.pdf/9d37249c-ac4c-4cb6-374d-e35f321d2948?t=1785963642406) Employees 22,464 headcount · Group · 30 Jun 2026 · [interim report ↗](https://group.bper.it/documents/133577364/2799448621/26.08.06+Comsta+risultati+1H26+-+def_con+allegati.pdf/9d37249c-ac4c-4cb6-374d-e35f321d2948?t=1785963642406) Ownership Publicly listed Ticker BPE Institution type Universal bank Trades as BPER - **Standing:** Banca Popolare di Sondrio S.p.A. was merged into the bank by incorporation, with legal effect from 20 April 2026. The bank continues to operate under the name BPER Banca S.p.A. - **Ownership:** The bank is listed and widely held: Unipol Assicurazioni S.p.A. holds 19.9% and Fondazione di Sardegna 7.4%, with 72.7% held by other shareholders. - **Major shareholders:** Unipol Assicurazioni S.p.A. 19.9% · 18 Sep 2026 Fondazione di Sardegna 7.4% · 18 Sep 2026 - **Stock listing:** Euronext Milan (Borsa Italiana) BPE - **Head office:** Via San Carlo, 8/20, 41121 Modena, Italy - **Company register:** Registro Imprese di Modena n. 01153230360; Albo delle Banche n. 4932; ABI 5387.6 - **Former name:** Banca Popolare dell'Emilia Romagna ### Business lines - Retail banking - SME banking - Corporate banking - Private banking & wealth - Mortgage lending - Consumer finance - Transaction banking & payments - Trade finance - Investment banking - Leasing & factoring - Cards - Insurance According to its August 2026 results release, the group serves about six million customers through about 1,950 branches in Italy. The same release names corporate banking, wealth management and bancassurance as growth areas. ### Online - **Websites & references:** [group.bper.it ↗](https://group.bper.it/) [bper.it ↗](https://www.bper.it/) retail and commercial customer site [istituzionale.bper.it ↗](https://istituzionale.bper.it/) former address of the corporate site (redirects to group.bper.it) [Wikidata Q806167 ↗](https://www.wikidata.org/wiki/Q806167) - **Official social accounts:** [LinkedIn ↗](https://it.linkedin.com/company/bper-banca) · [Facebook ↗](https://www.facebook.com/BPERbanca/) · [Instagram ↗](https://www.instagram.com/bper_banca/) · [YouTube ↗](https://www.youtube.com/c/BPERBancaChannel) Sources · 9 pages consulted 1. [group.bper.it/governance/organi-sociali/consiglio-di-amministrazione](https://group.bper.it/governance/organi-sociali/consiglio-di-amministrazione) 2. [group.bper.it/gruppo-bper/top-management](https://group.bper.it/gruppo-bper/top-management) 3. [group.bper.it/investor-relations/azionariato](https://group.bper.it/investor-relations/azionariato) 4. [group.bper.it/documents/133577364/2799448621/26.08.06+Comsta+risultati+1H26+-+def\_con+allegati.pdf/9d37](https://group.bper.it/documents/133577364/2799448621/26.08.06+Comsta+risultati+1H26+-+def_con+allegati.pdf/9d37249c-ac4c-4cb6-374d-e35f321d2948?t=1785963642406) 5. [group.bper.it/-/stipula-dell-atto-di-fusione-per-incorporazione-di-banca-popolare-di-sondrio-s.p.a.-in-](https://group.bper.it/-/stipula-dell-atto-di-fusione-per-incorporazione-di-banca-popolare-di-sondrio-s.p.a.-in-bper-banca-s.p.a.-la-fusione-avr%C3%A0-efficacia-a-partire-dal-20-aprile-2026) 6. [group.bper.it/gruppo-bper/storia](https://group.bper.it/gruppo-bper/storia) 7. [bper.it](https://www.bper.it/) 8. [bancaditalia.it/compiti/stabilita-finanziaria/politica-macroprudenziale/2025.11.14-o-sii/index.html](https://www.bancaditalia.it/compiti/stabilita-finanziaria/politica-macroprudenziale/2025.11.14-o-sii/index.html) 9. [globalbankingandfinance.com/italys-bper-first-quarter-profit-beats-forecast-merger-rival/](https://www.globalbankingandfinance.com/italys-bper-first-quarter-profit-beats-forecast-merger-rival/) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#overview-sources) - **Chief executive:** Gianni Franco Papa Amministratore Delegato (Chief Executive Officer) Confirmed 29 Sep 2026 · [group.bper.it ↗](https://group.bper.it/governance/organi-sociali/consiglio-di-amministrazione) - **Chair:** Fabio Cerchiai Presidente del Consiglio di Amministrazione (Chairman), non-executive director Confirmed 29 Sep 2026 · [group.bper.it ↗](https://group.bper.it/governance/organi-sociali/consiglio-di-amministrazione) - **Chief financial officer:** Simone Marcucci Chief Financial Officer Confirmed 29 Sep 2026 · [group.bper.it ↗](https://group.bper.it/gruppo-bper/top-management) - **Executive:** Elvio Sonnino Vice Direttore Generale e Chief Operating Officer Confirmed 29 Sep 2026 · [group.bper.it ↗](https://group.bper.it/gruppo-bper/top-management) - **Executive:** Michele Pisani Chief AML Officer Confirmed 29 Sep 2026 · [group.bper.it ↗](https://group.bper.it/gruppo-bper/top-management) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#overview-sources) - **European Union:** European Central Bank (Single Supervisory Mechanism) Prudential supervisor - **Italy:** Bank of Italy (Banca d'Italia) Central bank Prudential supervisor AML supervisor Resolution Conduct - **European Union:** Single Resolution Board Resolution - **Italy:** Commissione Nazionale per le Società e la Borsa (Consob) Securities Conduct ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#overview-sources) 1. Aug 2026 Other The bank said it would submit a non-binding expression of interest in BFF Bank S.p.A.'s payments and depositary banking businesses. [group.bper.it ↗](https://group.bper.it/documents/133577364/2799448621/26.08.06+Comsta+risultati+1H26+-+def_con+allegati.pdf/9d37249c-ac4c-4cb6-374d-e35f321d2948?t=1785963642406) 2. Apr 2026 Merger / acquisition Banca Popolare di Sondrio S.p.A. was merged into the bank by incorporation, with legal effect from 20 April 2026. [group.bper.it ↗](https://group.bper.it/-/stipula-dell-atto-di-fusione-per-incorporazione-di-banca-popolare-di-sondrio-s.p.a.-in-bper-banca-s.p.a.-la-fusione-avr%C3%A0-efficacia-a-partire-dal-20-aprile-2026) 3. Nov 2025 Other The Bank of Italy began a procedure to reassess the BPER group's systemic importance (O-SII) after its recent acquisition. [bancaditalia.it ↗](https://www.bancaditalia.it/compiti/stabilita-finanziaria/politica-macroprudenziale/2025.11.14-o-sii/index.html) 4. Jul 2025 Merger / acquisition The bank completed its public exchange offer for Banca Popolare di Sondrio, which joined the BPER group. [group.bper.it ↗](https://group.bper.it/gruppo-bper/storia) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source. ## Identifiers Head-office record - **BIC:** BPMOIT22XXX - **How the BIC breaks down:** 1. BPMO Bank 2. IT Country · Italy 3. 22 Location · reverse billing 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** N747OI7JINV7RUUH6190 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/N747OI7JINV7RUUH6190) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. - **National bank code:** [Codice ABI 05387](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#bank-codes) ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (ECB list) - **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. - **Country · region:** Italy · Europe & Central Asia - **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/bper-banca-s-p-a-bpmoit22#regulatory) as of 2026-07-01 - **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme - **Founded:** 1867 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records The Bper Banca S.P.A. group has 10 institutions in the directory, in 4 countries: all hold a BIC. Including [Banca Cesare Ponti S.P.A.](https://elucidate.co/directory/banca-cesare-ponti-s-p-a-bcepitmm), [Banca di Sassari SPA](https://elucidate.co/directory/banca-di-sassari-spa-bpsait31), [Bper Bank Luxembourg SA](https://elucidate.co/directory/bper-bank-luxembourg-sa-bpmoluls), [Arca Fondi Sgr SPA](https://elucidate.co/directory/arca-fondi-sgr-spa-arcgitma), [Banca Popolare di Sondrio (Suisse)](https://elucidate.co/directory/banca-popolare-di-sondrio-suisse-posoch22). [See the Bper Banca S.P.A. group →](https://elucidate.co/directory/group/N747OI7JINV7RUUH6190) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Registered address:** VIA SAN CARLO, 8/20 MODENA 41121 ITALY - **Operational address:** VIA SAN CARLO 8-20 MODENA 41100 MODENA ITALY ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Any agent, including the instructing and instructed agents ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml BPMOIT22XXX N747OI7JINV7RUUH6190 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml BPMOIT22XXX N747OI7JINV7RUUH6190 BPER BANCA S.P.A. MODENA IT VIA SAN CARLO, 8/20 MODENA 41121 ``` The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Payment schemes and systems EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 | Scheme or system | Since | Registered with | Note | | --- | --- | --- | --- | | SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — | | SEPA Instant Credit TransferISO 20022 messages | 2019-06-03 | Head office | — | | SEPA Direct Debit CoreISO 20022 messages | 2009-11-02 | Head office | — | | SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2009-11-02 | Head office | — | | Verification of Payee | 2025-10-09 | Head office | — | | T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — | | TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — | SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date. An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro. “ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants. ## National bank codes ### Codice ABI · Italy 1 code file of 2026-09-23 | Code | Routes to BIC | Name in the national file | City | | --- | --- | --- | --- | | 05387 | BPMOIT22XXX | BPER BANCA S.P.A. | MODENA | Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page. ## Related institutions ### Subsidiaries in the directory - [Banca Cesare Ponti S.P.A. BIC BCEPITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 549300DY78U4CMKNHE48](https://elucidate.co/directory/banca-cesare-ponti-s-p-a-bcepitmm) - [Banca di Sassari SPA BIC BPSAIT31 Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 549300PHVEBLXGO8CN25](https://elucidate.co/directory/banca-di-sassari-spa-bpsait31) - [Bper Bank Luxembourg SA BIC BPMOLULS Credit institution Prudential licence Luxembourg · On the ECB list of supervised entities · LEI 549300FOF121DSRG5867](https://elucidate.co/directory/bper-bank-luxembourg-sa-bpmoluls) - [Banca Popolare di Sondrio (Suisse) BIC POSOCH22 Financial institution Not on a tracked register Switzerland · Not on a tracked register · LEI YF5U1PMQND8LTA68GO19](https://elucidate.co/directory/banca-popolare-di-sondrio-suisse-posoch22) - [Finitalia SPA BIC FNIIITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 81560045CD9293FB8792](https://elucidate.co/directory/finitalia-spa-fniiitm1) - [Lanterna Consumer S.R.L. BIC LCSRITG1 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 549300C1DKVS5NB9AW83](https://elucidate.co/directory/lanterna-consumer-s-r-l-lcsritg1) - [Lanterna Finance S.R.L. BIC LAFCITG1 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 549300C8BNK81BLYTD88](https://elucidate.co/directory/lanterna-finance-s-r-l-lafcitg1) Entities that GLEIF records with this LEI as their direct parent. ### Same group - [Arca Fondi Sgr SPA BIC ARCGITMA Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 54930000SYYUFXE0FN30](https://elucidate.co/directory/arca-fondi-sgr-spa-arcgitma) [All 10 institutions in the Bper Banca S.P.A. group →](https://elucidate.co/directory/group/N747OI7JINV7RUUH6190) ### Same name, different BIC - [Bper Banca S.P.A. BIC POSOIT22 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bper-banca-s-p-a-posoit22) - [Bper Banca S.P.A. BIC BPVAIT31 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bper-banca-s-p-a-bpvait31) - [Bper Banca S.P.A. BIC CRFQIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bper-banca-s-p-a-crfqit21) ### Largest institutions in Italy - [Unicredit S.P.A. BIC UNCRITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/unicredit-s-p-a-uncritm1) - [Banca Monte Dei Paschi di Siena BIC PASCITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitm1) - [Banco Bpm SPA BIC BAPPIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banco-bpm-spa-bappit21) - [Iccrea Banca SPA - Istituto Centrale del Credito Cooperativo BIC ICRAITR1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/iccrea-banca-spa-istituto-centrale-del-credito-cooperativo-icraitr1) - [Banca Antonveneta SPA BIC ANTBIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-antonveneta-spa-antbit21) - [Intesa Sanpaolo SPA BIC BLOPIT22 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/intesa-sanpaolo-spa-blopit22) - [Credit Agricole Italia S.P.A. BIC CRPPIT2P Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 8156007D348794DB1690](https://elucidate.co/directory/credit-agricole-italia-s-p-a-crppit2p) - [Banca Nazionale del Lavoro SPA BIC BNLIITR1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-nazionale-del-lavoro-spa-bnliitr1) [See every BIC in Italy →](https://elucidate.co/directory/country/it#bics) Claim this profile ## Work at Bper Banca S.P.A.? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. The sanctions facts on this page cover the BIC and its LEI only. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties. - **Banking supervision**—Source: European Central Bank, list of supervised entities. - **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts. - **National bank codes**—Italy (Source: Banca d'Italia). - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. - **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate. - **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: BPER Banca S.p.A. · Public domain · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:BPER_Banca_Logo.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/b/b6/BPER_Banca_Logo.svg/330px-BPER_Banca_Logo.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.