BANCA DI CREDITO COOPERATIVO DI STARANZANO E VILLESSE - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI STARANZANO E VILLESSE - SOCIETA’ COOPERATIVA is an Italian mutual cooperative bank operating primarily in the province of Gorizia in Friuli-Venezia Giulia, with a local branch network focused on retail clients, small and medium-sized enterprises, professionals, agriculture, and the third sector. It operates under the Testo Unico Bancario and the Single Supervisory Mechanism framework, is supervised by Banca d’Italia (and by CONSOB for investment services), and adheres to the cooperative banking model with member-shareholders and the one-member-one-vote principle. As required by Italian law for cooperative credit institutions, it is part of a cooperative banking group that maintains an institutional protection scheme designed to support liquidity and solvency at group level. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, in line with EU rules. The bank’s product set typically includes current accounts, savings and term deposits, payment cards on domestic and international circuits, mortgages and personal loans, SME credit lines, POS and acquiring services, insurance distributed via bancassurance partners, and basic investment and wealth products offered through the group’s platforms. Payment services cover SEPA transfers and direct debits, with access to ATMs on the BANCOMAT network and digital channels for internet and mobile banking; availability of features such as instant payments or digital wallets depends on channel and contract. Pricing, rates, and eligibility are set by tariff schedules and credit policies and may differ by branch and customer profile. Risk management, capital and liquidity remain aligned with the requirements of the cooperative banking group and European prudential regulations, with lending concentrated in the bank’s home markets.