VIVAL BANCA - BANCA DI CREDITO COOPERATIVO DI MONTECATINI TERME, BIENTINA E S. PIETRO IN VINCIO S.C.

VIVAL BANCA – Banca di Credito Cooperativo di Montecatini Terme, Bientina e S. Pietro in Vincio S.C. is a Tuscan cooperative credit institution operating under the Italian BCC framework, using the commercial brand “Vival Banca” and a branch footprint concentrated in northern Tuscany around Montecatini Terme and Bientina. The bank offers standard retail and business services, including payment accounts, savings and time deposits, debit/credit and prepaid cards, domestic and cross-border payments, and internet and mobile banking; lending covers mortgages, personal loans, guarantees and lines for SMEs, agriculture and third-sector entities, with leasing and factoring typically provided through specialist partners. It also distributes investment, insurance and pension products via placement and bancassurance agreements. As a mutual cooperative, customers can become members (soci) with one-member-one-vote governance, and operations are geared to the local economy. The bank adheres to the cooperative banking group system established by Italian law (Law 49/2016) and is supervised within the European framework by the Bank of Italy and the ECB; deposits are covered by the cooperative credit sector’s deposit guarantee scheme up to 100,000 euro per depositor, per bank, in line with EU rules. Conditions, rates and fees vary by product and customer profile and are detailed in the mandatory transparency documents (fogli informativi); account opening requires standard KYC and, where applicable, membership formalities. The model emphasizes proximity and relationship banking in its territory, while constraints include a limited geographic footprint and exposure to the performance of the local economy compared with nationwide institutions.