BANCA DI CREDITO COOPERATIVO DI CARATE BRIANZA - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Carate Brianza – Società Cooperativa is a local cooperative bank based in Carate Brianza (province of Monza e Brianza, Lombardy) operating under Italian cooperative banking law as a member-owned institution with one-member-one-vote governance and a territorial focus on households, small businesses, artisans, agricultural enterprises, and nonprofits in the Brianza area. The bank offers standard retail and SME services, including current and savings accounts, domestic and SEPA payments and transfers, debit and credit cards, remote banking, mortgages, personal loans, business lending, POS and acquiring services, and cash management; it also distributes insurance and investment products through bancassurance and asset-management partners in accordance with MiFID requirements. Following the sector reform for cooperative credit banks, it adheres to a cooperative banking group and an institutional protection scheme and is subject to prudential supervision by the Bank of Italy and, at group level, the European Central Bank. Deposits are protected by the Fondo di Garanzia dei Depositanti del Credito Cooperativo up to €100,000 per depositor, consistent with EU deposit guarantee rules. The branch network is concentrated in Carate Brianza and nearby municipalities and is complemented by online and mobile channels that apply strong customer authentication under PSD2. Pricing, interest rates, and contractual conditions are detailed in the bank’s Trasparenza documentation (Fogli Informativi), and fees vary by account package and service. Membership requires the subscription of cooperative shares, which are non-listed and subject to statutory limits on remuneration and redemption. Financial statements and regulatory disclosures are published periodically, including Basel III capital and liquidity metrics at the individual and group level.