CASSA RAIFFEISEN LACES SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE LATSCH GENOSSENSCHAFT)

Cassa Raiffeisen Laces Società Cooperativa (in tedesco Raiffeisenkasse Latsch Genossenschaft) is a local cooperative bank based in Laces/Latsch in the Province of Bolzano/Bozen (Alto Adige/Südtirol) operating within the South Tyrolean Raiffeisen network. It focuses on retail and small-business banking in its catchment area, offering current and savings accounts, domestic and SEPA payments, cash services and ATMs, debit and credit cards issued through established payment circuits, and digital access via online and mobile channels; service is typically available in German and Italian given the region’s bilingual framework. On the lending side it provides personal loans, mortgages, and financing to small firms and agricultural clients, with terms linked to market benchmarks and subject to standard underwriting; investment products and insurance policies are generally distributed as intermediary offerings from group or third‑party providers. The institution follows the cooperative model with member ownership and one‑member‑one‑vote governance, operates under Italian banking law and EU prudential rules, and is supervised by the Bank of Italy within the European supervisory framework. Deposits are protected up to EUR 100,000 per depositor under applicable Italian/EU deposit guarantee provisions. Pricing, interest rates, and conditions are set out in the mandatory transparency documents (Foglio Informativo and Documento di Sintesi) and may include account package fees, transfer charges, and card/ATM tariffs; lending costs reflect spreads over reference rates plus fees. As a geographically focused cooperative, its product range and limits are oriented to households, professionals, SMEs, and farmers in Val Venosta/Vinschgau, with certain specialized services provided through Raiffeisen group entities or partner institutions.