BANCO DI LUCCA E DEL TIRRENO S.P.A. (IN FORMA ABBREVIATA BANCO DI LUCCA S.P.A.)

Banco di Lucca e del Tirreno S.p.A. (in forma abbreviata Banco di Lucca S.p.A.) is an Italian joint-stock bank headquartered in Lucca, operating as a regional lender focused on retail clients, professionals, and small and medium-sized enterprises in Tuscany and nearby areas. It provides standard current and savings accounts, domestic and SEPA payments (credit transfers and direct debits, with SEPA Instant where offered), debit and, where available, credit cards on Bancomat/PagoBANCOMAT and international circuits, internet and mobile banking with PSD2 strong customer authentication, consumer and mortgage lending, SME financing and basic treasury services, and distribution of investment and insurance products under MiFID II and IDD frameworks through third-party providers. As an Italian credit institution it is supervised by the Bank of Italy and, for investment services, by CONSOB, adheres to the Interbank Deposit Protection Fund (Fondo Interbancario di Tutela dei Depositi) that protects eligible deposits up to 100,000 euro per depositor per bank, follows EU prudential rules (CRR/CRD), and publishes annual financial statements and, where applicable, Pillar 3 disclosures. Its operating model remains branch-centric with a limited physical network complemented by digital channels; pricing is disclosed in the transparency documentation with typical periodic account fees, card charges, and payment commissions that vary by package and usage. Funding is primarily from customer deposits, with net interest income and fees as main revenue sources; credit risk is concentrated on local households and SMEs, making asset quality sensitive to the regional economy and the interest-rate cycle, while market risk is mainly related to the banking book; operational, IT, and cyber risks are managed under internal control systems and regulatory guidelines. The bank participates in SEPA and domestic payment systems (including PagoPA and F24), provides Italian IBANs (IT) and a SWIFT/BIC for cross-border transfers, and supports open-banking interfaces for third-party providers in line with PSD2. Customer support and dispute resolution follow Italian rules, including an internal complaints process and access to the Arbitro Bancario Finanziario; standard KYC/AML procedures apply at onboarding and during the relationship. Public coverage by international rating agencies is limited for small regional banks, so stakeholders typically rely on statutory disclosures, and prospective clients should review current tariffs, documentation, and the availability of branch and digital services before opening an account.