BANCA DI CREDITO COOPERATIVO DI BUSTO GAROLFO E BUGUGGIATE -SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Busto Garolfo e Buguggiate – Società Cooperativa is a local mutual bank in Lombardy with roots in the communities of Busto Garolfo (Metropolitan City of Milan) and Buguggiate (Province of Varese), serving households, professionals, small and medium-sized enterprises, and nonprofit entities in its catchment area. It operates under the cooperative model, with member-shareholders exercising one vote regardless of shareholding, and since 2019 it has been part of the Gruppo Bancario Cooperativo Iccrea, which provides centralized risk, capital and liquidity frameworks, shared platforms, and group product factories. The bank offers standard retail and business services such as current and deposit accounts, SEPA transfers and direct debits, tax and bill payments, debit and credit cards, POS and acquiring, mortgages and personal loans, SME and agribusiness lending, and access to leasing, factoring, investment and insurance products via group companies. Channels include branches, ATMs, internet banking and a mobile app compliant with PSD2 strong customer authentication. Pricing, rates and conditions are set out in the Fogli Informativi and other transparency documents published under Italian law, and the bank maintains a complaints office with recourse to the Arbitro Bancario Finanziario for out-of-court dispute resolution. Deposits are covered up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; the bank also participates in the sector’s Institutional Protection Scheme and is subject to Italian and EU prudential regulation and supervision. Annual financial statements and Pillar 3 disclosures are available at entity and group level.