BANCA DI CREDITO COOPERATIVO DEGLI ULIVI - TERRA DI BARI - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DEGLI ULIVI - TERRA DI BARI - SOCIETA’ COOPERATIVA is an Italian cooperative credit institution focused on the Terra di Bari area in Apulia, providing retail and business banking anchored to member-based governance and local intermediation. The bank’s core offering typically includes current and payment accounts, debit and credit cards on domestic and international circuits, prepaid cards, term deposits, personal and auto loans, mortgages, and insurance distribution; on the business side it provides working-capital and investment loans, agribusiness credit, leasing and factoring via specialist group entities, guarantees, POS and e-commerce acquiring, treasury solutions, and access to public guarantee programs such as the Fondo di Garanzia per le PMI where applicable. Standard digital channels are available, including internet and mobile banking with strong customer authentication under PSD2, SEPA credit transfers and direct debits (with options for instant transfers where enabled), tax payments (F24), and remote document exchange; cash services are supported by ATMs on the national BANCOMAT network. Investment services are provided under MiFID II with client profiling, and may include government and corporate bonds, mutual funds, and portfolio services distributed through the cooperative credit system. As a cooperative, the institution operates on a one-member-one-vote basis, with membership shares, a board of directors, and statutory auditors as set out in its bylaws. It is subject to Italian and EU banking regulation (Bank of Italy/ECB supervisory framework), anti-money-laundering and consumer-protection rules, and insurance distribution requirements (IDD). Deposits are protected up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; the bank also participates in sector-level institutional protection mechanisms designed to support liquidity and capital within the cooperative network. Pricing follows Italian transparency standards, with pre-contractual information sheets (fogli informativi), the Indicatore Sintetico di Costo for key accounts, and published fee schedules covering account maintenance, cards, payments, and overdrafts; business tariffs and acquiring fees are set per contract. Financial reporting is available through annual financial statements and Pillar 3 disclosures where required, outlining capital ratios, liquidity metrics, and credit quality; results are influenced by local economic conditions, customer deposit funding, ECB interest-rate dynamics, and the performance of SME and agricultural portfolios under IFRS 9. The bank’s practical fit is for households, professionals, and small to mid-sized enterprises seeking proximity banking in the Bari province with access to standard Italian and SEPA payment rails and the cooperative credit ecosystem. Prospective clients should review current documentation and product conditions directly with the bank, as availability and features can vary by customer segment and over time.