CENTROMARCA BANCA - CREDITO COOPERATIVO DI TREVISO E VENEZIA, SOCIETA' COOPERATIVA PER AZIONI

CENTROMARCA BANCA - Credito Cooperativo di Treviso e Venezia, Società Cooperativa per Azioni, is a local cooperative bank operating primarily across the provinces of Treviso and Venice, focused on retail customers, small businesses, professionals, and the agrifood sector. As a cooperative company limited by shares, it is owned by members (soci) under a one-member-one-vote principle and is governed by a board elected by the membership. The bank provides current accounts, savings and time deposits, debit and credit cards, domestic and cross-border SEPA payments, mortgages, consumer credit, and loans to SMEs, alongside leasing, factoring, insurance distributed via bancassurance partners, and investment services subject to MiFID II rules. Digital channels typically include internet and mobile banking with strong customer authentication under PSD2, while branch-based advisory and cash services remain available. It is part of Italy’s cooperative credit system and, like its peers, operates under the supervision of the Bank of Italy within the European prudential framework (CRR/CRD), with risk and liquidity managed under group policies. Deposits are protected up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, in line with EU directive 2014/49/EU. Pricing depends on product type and usage; official “Foglio Informativo” disclosures outline fees, interest, and conditions. The bank’s risk profile is typical of a regional cooperative, with exposures concentrated in household and SME lending and sensitivity to local economic conditions.