# Banca Monte dei Paschi di Siena (Banca MPS)

> Source: https://docs.barcoder.ai/docs/wallets/banca-mps
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banca MPS — official](https://www.mps.it/)

## Overview

**Banca Monte dei Paschi di Siena (Banca MPS)** is **world's oldest surviving commercial bank since 1472** + **Italian government MEF ~11.7% controlling post-2017 bailout** + **post-Sep 2025 Mediobanca takeover 86.33%** + **Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS** <sup>[1][1], [2][2], [Italy report](https://docs.barcoder.ai/docs/payments/IT)</sup>. **2025 baseline**: Banca MPS world's oldest surviving commercial bank since 1472 + Italian government MEF ~11.7% controlling post-2017 bailout; **Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca + Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital + Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital + Feb 17 2026 MPS board of directors approves delisting of Mediobanca from Milan stock exchange + complete merger into MPS** distinctive Italian banking consolidation + MPS-Mediobanca historic merger.

**Distinctive Banca MPS positioning**:
- **World's oldest surviving commercial bank since 1472** (Banca Monte dei Paschi di Siena S.p.A.; BIT: BMPS)
- **Italian government MEF ~11.7% controlling post-2017 bailout** distinctive Italian state-controlled commercial banking post-bailout heritage
- **Post-Sep 2025 Mediobanca takeover 86.33%** distinctive Italian banking consolidation + MPS-Mediobanca historic merger
- **Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS** distinctive Italian banking M&A completion
- **Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca** distinctive Italian banking unprecedented hostile takeover
- **Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital** distinctive Italian banking takeover bid completion
- **Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital** distinctive Italian banking ownership consolidation
- **1472 Banca Monte dei Paschi di Siena founding in Siena, Tuscany, Italy** distinctive world's oldest commercial banking heritage
- **2017 Italian government rescue bailout** distinctive Italian banking state rescue heritage

## History

**1472 — Banca Monte dei Paschi di Siena founded in Siena, Tuscany, Italy** as world's oldest surviving commercial bank (Italian Renaissance banking heritage).

**1995 — Banca Monte dei Paschi di Siena BIT IPO under ticker BMPS** distinctive Italian banking listing.

**2007 — Banca MPS + Banca Antonveneta acquisition for €9B**.

**2017 — Italian government rescue bailout of MPS post-Banca Antonveneta acquisition losses + non-performing loans + €5.4B Italian government MEF capital injection → MEF ~64% controlling** distinctive Italian banking state rescue heritage.

**2010 — Banca MPS Mobile Banking app launch** distinctive Italian mobile banking strategy.

**Post-2017 Italian government MEF stake gradual divestments → ~11.7% controlling end-2024**.

**Jan 24 2025 — MPS announces launch of €13.3B takeover bid for larger rival Mediobanca** distinctive Italian banking unprecedented hostile takeover <sup>[1][1], [2][2]</sup>.

**Sep 9 2025 — MPS takeover bid successful reaches 62.29% of Mediobanca share capital**.

**Sep 23 2025 — MPS acquires up to 86.33% of Mediobanca capital** <sup>[3][3]</sup>.

**Feb 17 2026 — MPS board approves delisting of Mediobanca from Milan stock exchange + complete merger into MPS** distinctive Italian banking M&A completion.

## Ownership & operator

**Operating entity**: **Banca Monte dei Paschi di Siena S.p.A.** (BIT: BMPS; world's oldest surviving commercial bank since 1472; Italian government MEF ~11.7% controlling post-2017 bailout; post-Sep 2025 Mediobanca takeover 86.33%).

**Major shareholders**: **Italian Ministry of Economy and Finance MEF (Italian government) ~11.7% controlling post-2017 bailout + Delfin S.à r.l. (Del Vecchio family Italian investment holding; Italian billionaire family) + Caltagirone Group (Francesco Gaetano Caltagirone Italian billionaire family) + Anima Holding + Italian retail + institutional + foreign investors**.

**Regulators**: **Banca d'Italia + ECB + CONSOB**.

## Technical integration

Banca MPS mobile banking app (iOS + Android) + mps.it online + Banca MPS branch network across Italy + Banca MPS Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + Bancomat Pay (Italian bank-consortium mobile payments) + Wero (post-EPI launch); **Banca MPS Mobile Banking app + mps.it online + Banca MPS branch network across Italy** distinctive Italian commercial banking comprehensive offering + **MPS-Mediobanca historic merger** distinctive Italian banking M&A completion + **MPS post-Mediobanca acquisition expanded scope into investment banking + wealth management + insurance + private banking + corporate banking + Generali Italian insurance + Mediobanca historical Italian financial elite ownership structure**.

## Users & growth

Banca MPS world's oldest surviving commercial bank since 1472 + Italian government MEF ~11.7% controlling post-2017 bailout + post-Sep 2025 Mediobanca takeover 86.33% + Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS.

## Use cases

Italian retail + private + SME + commercial + corporate + post-Mediobanca acquisition investment banking + wealth management + insurance + private banking + corporate banking via Banca MPS mobile + mps.it online + Banca MPS branch network across Italy + Visa/Mastercard cards; SEPA + SEPA Instant + EPC-QR + Bancomat Pay + Wero (post-EPI launch).

## Implementations & partners

**Operator**: Banca Monte dei Paschi di Siena S.p.A. (BIT: BMPS; world's oldest surviving commercial bank since 1472; Italian government MEF ~11.7% controlling post-2017 bailout; post-Sep 2025 Mediobanca takeover 86.33%); Italian Ministry of Economy and Finance MEF (Italian government) ~11.7% controlling post-2017 bailout + Delfin S.à r.l. (Del Vecchio family Italian investment holding; Italian billionaire family) + Caltagirone Group (Francesco Gaetano Caltagirone Italian billionaire family) + Anima Holding + Italian retail + institutional + foreign investors.

**Mediobanca acquisition partnership**: **Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca + Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital + Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital + Feb 17 2026 MPS board approves delisting of Mediobanca from Milan stock exchange + complete merger into MPS** distinctive Italian banking M&A completion.

**Major Italian banking + payments competitors**: [Intesa Sanpaolo + isybank](https://docs.barcoder.ai/docs/wallets/intesa-isybank) (Intesa Sanpaolo's Isybank Italian neobank + Intesa Sanpaolo Italy's largest commercial bank by assets; BIT: ISP) + [UniCredit + buddybank](https://docs.barcoder.ai/docs/wallets/unicredit) (UniCredit; BIT: UCG; Italian + CEE banking group; one of Italy's largest commercial banks by assets) + [Banco BPM](https://docs.barcoder.ai/docs/wallets/banco-bpm) (Banco BPM; BIT: BAMI; Italian commercial bank; Crédit Agricole French ~19.99% strategic shareholder) + [BPER Banca / SMART MOBILE](https://docs.barcoder.ai/docs/wallets/bper) (BPER Banca; BIT: BPE; Italian commercial bank; Unipol Italian insurance major shareholder) + Mediobanca (Mediobanca; BIT: MB; Italian investment bank; post-Sep 2025 MPS takeover 86.33% + Feb 17 2026 MPS board approves delisting + complete merger into MPS) + [Banca Mediolanum](https://docs.barcoder.ai/docs/wallets/mediolanum) (Banca Mediolanum; BIT: BMED; Italian retail + private banking; Doris family controlling) + [BANCOMAT Pay](https://docs.barcoder.ai/docs/standards/bancomat-pay) (Italian bank-consortium A2A mobile payments).

**Regulators**: Banca d'Italia + ECB + CONSOB.

## Fun facts

- **World's oldest surviving commercial bank since 1472** (Banca Monte dei Paschi di Siena S.p.A.; BIT: BMPS).
- **Italian government MEF ~11.7% controlling post-2017 bailout** distinctive Italian state-controlled commercial banking post-bailout heritage.
- **Post-Sep 2025 Mediobanca takeover 86.33%** distinctive Italian banking consolidation + MPS-Mediobanca historic merger.
- **Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS** distinctive Italian banking M&A completion.
- **Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca** distinctive Italian banking unprecedented hostile takeover.
- **Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital** distinctive Italian banking takeover bid completion.
- **Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital** distinctive Italian banking ownership consolidation.
- **1472 Banca Monte dei Paschi di Siena founding in Siena, Tuscany, Italy** distinctive world's oldest commercial banking heritage.
- **2017 Italian government rescue bailout** distinctive Italian banking state rescue heritage.

## Comparison

| Feature | Banca MPS | [Intesa Sanpaolo + isybank](https://docs.barcoder.ai/docs/wallets/intesa-isybank) (Intesa Sanpaolo Italy's largest commercial bank by assets rival; BIT: ISP) | [UniCredit + buddybank](https://docs.barcoder.ai/docs/wallets/unicredit) (UniCredit rival; BIT: UCG; Italian + CEE banking group) | [Banco BPM](https://docs.barcoder.ai/docs/wallets/banco-bpm) (Banco BPM rival; BIT: BAMI; Italian commercial bank; Crédit Agricole French ~19.99% strategic shareholder) | Mediobanca (Mediobanca rival; BIT: MB; Italian investment bank; post-Sep 2025 MPS takeover 86.33%) |
|---|---|---|---|---|---|
| Operator | **Banca Monte dei Paschi di Siena S.p.A. (BIT: BMPS; world's oldest surviving commercial bank since 1472; Italian government MEF ~11.7% controlling post-2017 bailout)** | Intesa Sanpaolo (BIT: ISP; Italy's largest commercial bank by assets) | UniCredit S.p.A. (BIT: UCG; Italian + CEE banking group) | Banco BPM (BIT: BAMI; Italian commercial bank; Crédit Agricole French ~19.99% strategic shareholder) | Mediobanca (BIT: MB; Italian investment bank; post-Sep 2025 MPS takeover 86.33% + Feb 17 2026 MPS board approves delisting + complete merger into MPS) |
| Type | **World's oldest surviving commercial bank since 1472 + Italian government MEF ~11.7% controlling post-2017 bailout + post-Sep 2025 Mediobanca takeover 86.33% + Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS + Jan 24 2025 MPS announces launch of €13.3B takeover bid + 2017 Italian government rescue bailout** | Italy's largest commercial bank by assets + Isybank Italian neobank + Intesa Sanpaolo Italian retail + private + corporate banking | Italian + CEE banking group + 21+ countries + ~15M+ customers in CEE + 1473 Rolo Banca founding heritage + UniCredit 1998 merger | Italian commercial bank + Crédit Agricole French ~19.99% strategic shareholder | Italian investment bank + post-Sep 2025 MPS takeover 86.33% + Feb 17 2026 MPS board approves delisting + complete merger into MPS |
| Country | IT | IT + 11 countries | IT + DE + AT + RU + CZ + SK + HU + RO + BG + HR + SI + BiH + RS + 21+ countries | IT | IT + GB + DE + FR + LU + ES |
| Distinctive | **1472 Banca Monte dei Paschi di Siena founding in Siena, Tuscany, Italy (world's oldest surviving commercial bank); 1995 Banca Monte dei Paschi di Siena BIT IPO under ticker BMPS; 2007 Banca MPS + Banca Antonveneta acquisition for €9B; 2017 Italian government rescue bailout of MPS post-Banca Antonveneta acquisition losses; 2010 Banca MPS Mobile Banking app launch; Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca; Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital; Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital; Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS** | 2007 Intesa Sanpaolo formation via Intesa + Sanpaolo IMI merger | 1473 Rolo Banca founding heritage; 1998 UniCredit merger | 2017 Banco BPM formation via Banco Popolare + Banca Popolare di Milano merger | 1946 Mediobanca founding by Enrico Cuccia in Milan |

## Status

**Active, world's oldest surviving commercial bank since 1472 + Italian government MEF ~11.7% controlling post-2017 bailout + post-Sep 2025 Mediobanca takeover 86.33% + Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS** <sup>[1][1], [2][2], [3][3]</sup>:
- **Banca Monte dei Paschi di Siena S.p.A. (BIT: BMPS; world's oldest surviving commercial bank since 1472; Italian government MEF ~11.7% controlling post-2017 bailout)** since 1472 Banca Monte dei Paschi di Siena founding in Siena, Tuscany, Italy + 1995 Banca Monte dei Paschi di Siena BIT IPO under ticker BMPS + 2007 Banca MPS + Banca Antonveneta acquisition for €9B + 2017 Italian government rescue bailout of MPS + 2010 Banca MPS Mobile Banking app launch + Jan 24 2025 MPS announces launch of €13.3B takeover bid for larger rival Mediobanca + Sep 9 2025 MPS takeover bid successful reaches 62.29% of Mediobanca share capital + Sep 23 2025 MPS acquires up to 86.33% of Mediobanca capital + Feb 17 2026 MPS board approves Mediobanca delisting + complete merger into MPS.
- **Post-Mediobanca acquisition expanded scope into investment banking + wealth management + insurance + private banking + corporate banking**.
- **MPS-Mediobanca historic merger**.
- **Banca d'Italia + ECB + CONSOB regulated**.

## Sources

[1]: https://www.mps.it/ "mps.it — Banca MPS"
[2]: https://en.wikipedia.org/wiki/Banca_Monte_dei_Paschi_di_Siena "Banca Monte dei Paschi di Siena — Wikipedia"
[3]: https://www.gruppomps.it/en/ "Banca MPS – English version — Gruppo MPS"
[it-cro]: https://docs.barcoder.ai/docs/payments/IT

- [1] [mps.it — Banca MPS][1]
- [2] [Banca Monte dei Paschi di Siena — Wikipedia][2]
- [3] [Banca MPS – English version — Gruppo MPS][3]
- <sup>[Italy report](https://docs.barcoder.ai/docs/payments/IT)</sup> In-corpus: `reports/countries/IT-italy.md`

## Source

Biography extracted from [banca-mps.md](https://docs.barcoder.ai/source/wallets/banca-mps). See `matrix.md` for standards-support matrix if present.