Italy · Credit institution
Credito Emiliano SPA
Legal name in the LEI recordCREDITO EMILIANO S.P.A. ABBREVIABILE IN CREDEMBANCA E IN CREDEM
Credito Emiliano S.p.A. (Credem) is an Italian joint-stock bank with its registered office and head office in Reggio Emilia. Credito Emiliano Holding S.p.A. (Credemholding) holds 79.82% of its share capital. The remaining shares are listed on Euronext Milan. The bank provides retail, corporate and private banking through branches, corporate centres and financial advisers across Italy, and it heads the Credem banking group. Cassa di Risparmio di Cento was merged into the bank with legal effect from 24 July 2021.
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): 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
- Credito Emiliano S.p.A.
- Entity type
- Credit institution
- Supervised group (ECB)
- Credito Emiliano Holding S.p.A.
- Why significant
- Size (Total assets EUR 50-75 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- CREDITO EMILIANO S.P.A.
- RIAD code
- IT0000126876530
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 |
| Systematic internaliser | Commissione Nazionale per le Societa e la Borsa (CONSOB) | 2019-02-15 | BOND |
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
- BACRIT22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of BACRIT22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS
- Branch codes
- 43 branch codes
- BIC first registered
- 1978-06-05
- Last updated
- 2018-01-06
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Ticker CE
Institution type
Universal bank
Trades as Credem
- Ownership
- Credito Emiliano Holding S.p.A. holds 79.82% of the share capital, and the remaining shares trade on Euronext Milan.
- Direct parent
- Credito Emiliano Holding S.p.A. (Credemholding) ↗, Italy 79.82%
- Major shareholder
- Credito Emiliano Holding S.p.A. 79.82% · 30 Jun 2026
- Stock listing
- Euronext Milan CE
- Head office
- Via Emilia San Pietro 4, 42121 Reggio Emilia, Italy
- Former name
- Banca Agricola Commerciale di Reggio Emilia
Business lines
According to its 1H26 results release, the bank's commercial banking unit operates through 410 retail branches, 44 corporate centres and 556 financial advisers. Leasing, factoring, consumer credit, private banking and insurance are run by separate group companies.
Online
- Websites & references
- credem.it ↗
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 10 pages consulted
- credem.it/
- credem.it/content/credem/it/gruppo-credem/chi-siamo/gruppo-credem-management/Credito-Emiliano.html
- credem.it/content/dam/credem/documenti/Sala_Stampa/en_sala_stampa/press-releases/in-corso/2026/Pres
- credem.it/content/credem/it/gruppo-credem/contatti-istituzionali/financial-institutions.html
- credem.it/content/credem/it/gruppo-credem/international.html
- credem.it/content/credem/it/gruppo-credem/international/SSI.html
- credem.it/content/credem/en/credem-group/international/SSI.html
- en.ilsole24ore.com/art/credem-stefano-morellini-appointed-general-manager-AHfI67cB
- simplybiz.eu/credito-emiliano-capitale-sociale-post-incorporazione-caricento/
- en.wikipedia.org/wiki/Credito_Emiliano
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Stefano Morellini Direttore Generale (General Manager)
- Chair
- Lucio Igino Zanon di Valgiurata Presidente (Chairman of the Board of Directors)
- Executive
- Giuliano Cassinadri Condirettore Generale (Co-General Manager)
- Executive
- Stefano Pilastri Condirettore Generale (Co-General Manager)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- Italy
- Bank of Italy (Banca d'Italia) Central bankPrudential supervisorAML supervisorResolution
- Italy
- Commissione Nazionale per le Società e la Borsa (CONSOB) SecuritiesConduct
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The board appointed Co-General Manager Stefano Morellini as General Manager after the death of General Manager Angelo Campani.
en.ilsole24ore.com ↗
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
- BACRIT22XXX
- How the BIC breaks down
- BACRBank
- ITCountry · Italy
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 8156004B244AA70DE787
- LEI record
- View on GLEIF ↗
- 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 03032
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- 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 as of 2026-07-01
- Trading venues (MIC)
- Operates MIC CREM 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
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
- Direct parent
- "credito Emiliano Holding Societa' Per Azioni" · Italy815600AD83B2B6317788 ↗
The "credito Emiliano Holding Societa' Per Azioni" group has 3 institutions in the directory, in 1 country: all hold a BIC.
Including Euromobiliare Am Sgr SPA, Euromobiliare Asset Management S.G.R. S.P.A..
See the "credito Emiliano Holding Societa' Per Azioni" group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 ITALY
- Operational address
- VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA 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
<FinInstnId>
<BICFI>BACRIT22XXX</BICFI>
<LEI>8156004B244AA70DE787</LEI>
</FinInstnId>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
<FinInstnId>
<BICFI>BACRIT22XXX</BICFI>
<LEI>8156004B244AA70DE787</LEI>
<Nm>CREDITO EMILIANO SPA</Nm>
<PstlAdr>
<TwnNm>REGGIO NELL'EMILIA</TwnNm>
<Ctry>IT</Ctry>
<AdrLine>VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121</AdrLine>
</PstlAdr>
</FinInstnId>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 | 2024-04-02 | 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 | 2025-10-07 | 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.
Market identifiers
One trading venue or reporting service run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| CREM | CREDEM BANCACREDEM SI | Operating MIC | Systematic internaliser |
National bank codes
Codice ABI · Italy
1 code file of 2026-09-23
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 03032 | BACRIT22XXX | CREDITO EMILIANO S.P.A. | REGGIO NELL'EMILIA |
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.
Network
Branch network
All 43 branch BICs connect to the head office. Most were registered in 1993–1995 (7 BICs) and 1996–1998 (5).
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| BACRIT22AGA | AGENZIA 2 | Reggio Nell'Emilia | VIA XX SETTEMBRE 2 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22ALE | SEDE | Alessano | PIAZZA MERCATO 14 ALESSANO 73031 ALESSANO ITALY | — | 2018-01-13 |
| BACRIT22ALS | — | Alessandria | PIAZZA GARIBALDI 31 ALESSANDRIA 15100 ALESSANDRIA ITALY | — | 2018-01-13 |
| BACRIT22BOL | SEDE | Bologna | VIA INDIPENDENZA 20/ G BOLOGNA 40128 BOLOGNA ITALY | — | 2018-01-13 |
| BACRIT22BPG | BACK OFFICE INVESTMENT FUNDS | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA | — | 2018-01-13 |
| BACRIT22BTI | BACK OFFICE TITOLI | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22CAR | — | Carpi | VIA C. MARX 69/77 CARPI 41012 CARPI ITALY | — | 2018-01-13 |
| BACRIT22CAS | — | Casalgrande | PIAZZA MARTIRI DELLA LIBERTA' 4 CASALGRANDE 42013 CASALGRANDE ITALY | — | 2018-01-13 |
| BACRIT22CDR | — | Casalecchio Di Reno | VIA RONZANI 3 CASALECCHIO DI RENO 40033 CASALECCHIO DI RENO ITALY | — | 2018-01-13 |
| BACRIT22COR | — | Correggio | PIAZZA G.GARIBALDI 7 CORREGGIO 42015 CORREGGIO ITALY | — | 2018-01-13 |
| BACRIT22CST | — | Castellarano | VIA ROMA 4/ A CASTELLARANO 42014 CASTELLARANO ITALY | — | 2018-01-13 |
| BACRIT22EUM | B. O. PAYMENTS | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22FID | EUROFIDUCIARIA | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42100 REGGIO NELL'EMILIA ITALY | — | 2018-01-06 |
| BACRIT22FOR | — | Formigine | VIA J.MARCHESE 5 FORMIGINE 41043 FORMIGINE ITALY | — | 2018-01-13 |
| BACRIT22GEN | — | Genova | PIAZZA DANTE GENOVA 01400 GENOVA ITALY | — | 2018-01-06 |
| BACRIT22GUA | — | Guastalla | VIA GONZAGA 27 GUASTALLA 42016 GUASTALLA ITALY | — | 2018-01-13 |
| BACRIT22INC | INCASSI E PAGAMENTI DEPT. | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22MAN | SEDE | Mantova | VIALE PIAVE 2 MANTOVA 46100 MANTOVA ITALY | — | 2018-01-13 |
| BACRIT22MDV | — | Mazara Del Vallo | CORSO VITTORIO VENETO 254 MAZARA DEL VALLO 91026 MAZARA DEL VALLO ITALY | — | 2018-01-13 |
| BACRIT22MEC | DOCUMENTARY CREDTS DEPT. | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22MIL | SEDE | Milano | VIA G. ANDEGARI 14 MILANO 20121 MILANO ITALY | — | 2018-01-13 |
| BACRIT22MOD | SEDE | Modena | VIALE N.FABRIZI 15 MODENA 41100 MODENA ITALY | — | 2018-01-13 |
| BACRIT22MON | — | Monza | VIA A. CANTORE 12 MONZA 20052 MONZA ITALY | — | 2018-01-13 |
| BACRIT22MRS | SEDE | Marsala | VIA XI MAGGIO 115 MARSALA 91025 MARSALA ITALY | — | 2018-01-13 |
| BACRIT22NAP | SEDE | Napoli | VIA VITTORIO EMANUELE III 40 NAPOLI 80133 NAPOLI ITALY | — | 2018-01-13 |
| BACRIT22NAT | COLLECTIONS DEPT | Reggio Nell'Emilia | VIA EMILIA SAN PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22NOL | — | Nola | VIA LATERIZIO 14/18 NOLA 80035 NOLA ITALY | — | 2018-01-13 |
| BACRIT22PAL | SEDE | Palermo | PIAZZA A. DE GASPERI 25/ A PALERMO 90146 PALERMO ITALY | — | 2018-01-13 |
| BACRIT22PAR | SEDE | Parma | VIA P.M. ROSSI 14/ A PARMA 43100 PARMA ITALY | — | 2018-01-13 |
| BACRIT22PIA | PIACENZA SEDE | Piacenza | VIA EMILIA PARMENSE 1 PIACENZA 29100 PIACENZA ITALY | — | 2018-01-06 |
| BACRIT22PRA | — | Prato | VIA F. RAI 1/B PRATO 50047 PRATO ITALY | — | 2018-01-13 |
| BACRIT22REG | SEDE | Reggio Nell'Emilia | VIA EMILIA S.PIETRO 4 REGGIO NELL'EMILIA 42121 REGGIO NELL'EMILIA ITALY | — | 2018-01-13 |
| BACRIT22RGG | — | Reggiolo | VIA G.MATTEOTTI 36 REGGIOLO 42046 REGGIOLO ITALY | — | 2018-01-13 |
| BACRIT22ROM | ROMA SEDE | Roma | VIA VINCENZO BELLINI 27 ROMA 00198 ROMA ITALY | — | 2023-09-02 |
| BACRIT22RUB | — | Rubiera | VIA EMILIA EST 9/ F RUBIERA 42048 RUBIERA ITALY | — | 2018-01-13 |
| BACRIT22SAS | — | Sassuolo | VIA G.MAZZINI 7 SASSUOLO 41049 SASSUOLO ITALY | — | 2018-01-13 |
| BACRIT22SCA | — | Scandiano | VIA A.VALLISNERI 1/A SCANDIANO 42019 SCANDIANO ITALY | — | 2018-01-13 |
| BACRIT22SEC | SECURITIES | Reggio Nell'Emilia | VIA GANDHI 2/ C REGGIO NELL'EMILIA 42123 REGGIO NELL'EMILIA ITALY | — | 2018-01-06 |
| BACRIT22SUZ | — | Suzzara | VIA CAVOUR 19/ A SUZZARA 46029 SUZZARA ITALY | — | 2018-01-13 |
| BACRIT22TPX | TRAPANI MAIN BRANCH | Trapani | VIA S. GIOVANNI BOSCO 12 TRAPANI 91100 TRAPANI ITALY | — | 2018-01-13 |
| BACRIT22VAR | — | Varese | VIA CAVOUR 36 VARESE 21100 VARESE ITALY | — | 2018-01-13 |
| BACRIT22VER | VERONA MAIN BRANCH | Verona | CORSO CAVOUR ANG. VIA FRATTA VERONA 11700 VERONA ITALY | — | 2018-01-13 |
| BACRIT22VIG | — | Vignola | VIA RESISTENZA 150 VIGNOLA 41058 VIGNOLA ITALY | — | 2018-01-13 |
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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 →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.
- 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: credem.it (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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