BANCA DI CREDITO COOPERATIVO DI SARSINA - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Sarsina – Società Cooperativa is a local mutual bank headquartered in Sarsina (province of Forlì-Cesena, Emilia-Romagna), operating under the Italian cooperative credit framework and supervised by the Bank of Italy, with investment and insurance distribution governed by MiFID II and IDD rules. It focuses on retail and small-business banking typical of Italy’s cooperative sector, offering current and savings accounts, domestic and SEPA payments, debit and credit cards, online and mobile banking, personal loans, mortgages, and financing for artisans, agriculture, and SMEs; investment funds, insurance and pension products are generally provided through the cooperative network’s platforms. Governance follows the one-member-one-vote model, with local members (soci) holding share capital under by-law conditions; membership can influence access to certain products or pricing, and cooperative shares are not deposits. The bank operates within the national cooperative credit network created by the sector’s reform, leveraging shared risk management, treasury, and IT systems while maintaining a predominantly local commercial footprint, which supports territorial specialization but limits scale and breadth relative to large nationwide banks. Deposits are protected up to €100,000 per depositor under the Italian deposit guarantee framework applicable to cooperative credit banks, and the sector’s institutional protection scheme provides preventive support mechanisms; as with other geographically concentrated mutual banks, credit and concentration risks should be considered by prospective clients. Pricing, rates and terms are disclosed in the mandatory transparency sheets (foglio informativo); PSD2 strong customer authentication is in place, PagoBANCOMAT/Bancomat Pay and SEPA transfers are supported, and international card acceptance is handled via group processors. The overall profile is that of a regional cooperative focused on core retail and SME services, relying on group infrastructure for compliance, risk control and digital channels, with more complex or large-ticket corporate needs typically addressed via group partnerships or external providers.