BANCA CAMBIANO 1884 S.P.A.

Banca Cambiano 1884 S.p.A. is an Italian joint-stock bank that traces its origins to a cooperative credit institution founded in 1884 in Cambiano (Tuscany) and subsequently converted into an S.p.A. following the reform of the cooperative credit sector; it operates independently, with a branch network concentrated in Tuscany and selected locations in other Italian cities. The bank offers retail, private, and SME services, including current and savings accounts, domestic and SEPA payments, Bancomat/PagoBANCOMAT and international-card circuits, mortgages and consumer credit, business lending and cash management, as well as the distribution of investment and insurance products under MiFID II and IDD frameworks. Digital channels provide online and mobile banking for account management, payments, and investment orders, with specific features and onboarding options subject to customer profile and regulatory requirements. Governance follows the Italian joint-stock model with a board of directors and a board of statutory auditors, and financial reporting is prepared in line with applicable Italian regulations and IFRS for banks of its size. The bank is supervised by the Bank of Italy for prudential matters and by CONSOB for investment services, participates in the Interbank Deposit Protection Fund (Fondo Interbancario di Tutela dei Depositi), and protects eligible deposits up to €100,000 per depositor as provided by law. Pricing reflects a traditional branch-centered model, with account maintenance fees, payment and card charges, and commissions for securities custody and portfolio services; statutory stamp duty (imposta di bollo) may apply to current accounts and securities accounts. Its risk profile is typical of a regional lender, with credit exposure to households and small and medium-sized enterprises in its core area and holdings of Italian sovereign and bank instruments in the liquidity portfolio; interest rate and liquidity risks are managed within regulatory metrics such as LCR and NSFR. Prospective and existing clients should review pre-contractual documents, fee schedules, and product terms for items such as mortgages, term deposits, and investment services, noting that availability, pricing, and limits can vary by branch, customer segment, and regulatory constraints.