CASSA RAIFFEISEN DI LAGUNDO SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE ALGUND GENOSSENSCHAFT)

Cassa Raiffeisen di Lagundo Società Cooperativa (in tedesco Raiffeisenkasse Algund Genossenschaft) is a local cooperative bank based in Lagundo (Algund), Province of Bolzano/Bozen, operating within the South Tyrolean Raiffeisen system with Raiffeisen Landesbank Südtirol AG acting as central institution for network services. It focuses on retail and small business banking in its catchment area, offering current and savings accounts, payment services (including SEPA transfers and cards), mortgages and consumer/SME loans, and access to investment and insurance products distributed through group arrangements. Governance follows cooperative principles (one member, one vote), with membership subject to approval and subscription of cooperative shares; earnings are typically allocated according to statutory rules, including reserves. Services are provided in Italian and German via branches, ATMs, online and mobile banking, with fees, interest rates, and eligibility criteria disclosed in pre‑contractual documents as required by Italian transparency regulations. The bank is subject to supervision by Banca d’Italia and, for investment services, CONSOB, and applies standard PSD2 strong customer authentication for digital channels. Eligible deposits are protected up to the statutory limit per depositor under Italian law, subject to conditions and exclusions set by the applicable scheme. The operating model emphasizes proximity and knowledge of the local market; geographic reach, product scope, and pricing reflect a regional cooperative profile and may not address needs typical of larger corporates or customers requiring extensive international capabilities.