BANCA DI CREDITO COOPERATIVO ABRUZZESE - CAPPELLE SUL TAVO SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO ABRUZZESE - CAPPELLE SUL TAVO SOCIETA’ COOPERATIVA is an Italian mutual cooperative bank headquartered in Cappelle sul Tavo (Abruzzo) that operates a local branch network focused on households, self-employed clients, agribusiness and small firms in its catchment area. As a BCC, it is owned by member-shareholders under a one-member-one-vote governance model and operates under the territoriality principle defined by Italian cooperative banking law. The bank adheres to the Iccrea Cooperative Banking Group, within which it is subject to consolidated prudential oversight (CRR/CRD framework) and supervision by the Bank of Italy and, at group level, the European Central Bank. Its product set typically includes current accounts, savings and time deposits, domestic and SEPA payments, cards, ATM services, mortgages, personal and business lending, guarantees, and merchant services, with investment and insurance products distributed through group arrangements; internet and mobile banking are available with PSD2 strong customer authentication and standard SEPA functionalities (instant payments availability depends on contractual terms). Deposits are protected, within legal limits, by the Fondo di Garanzia dei Depositanti del Credito Cooperativo up to 100,000 euro per depositor per bank; investor protections depend on the specific instrument and applicable scheme. Pricing, interest rates, and fees are published in the Foglio Informativo and related pre-contractual documents as required by transparency rules, and complaints can be escalated to the Arbitro Bancario Finanziario where applicable. Funding is predominantly from customer deposits, with lending concentrated in the bank’s territory; capital and liquidity metrics are reported within the Iccrea Group perimeter, while the local bank’s annual financial statements and governance disclosures are typically available via its website or the group’s portal.