CASSA RURALE ALTOGARDA - ROVERETO - BANCA DI CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Cassa Rurale AltoGarda – Rovereto – Banca di Credito Cooperativo – Società Cooperativa is a cooperative credit institution operating in the Province of Trento (Trentino-Alto Adige/Südtirol), with a branch network concentrated in the Alto Garda and Rovereto area and a product set oriented to households, small businesses, professionals, and the local nonprofit sector. As a member of the Italian cooperative banking system and part of the Gruppo Cassa Centrale Banca – Credito Cooperativo Italiano, it operates under the group’s risk, capital, compliance, and internal control frameworks and falls within the prudential supervision of the Bank of Italy and the European Central Bank via the Single Supervisory Mechanism. Core activities include current and payment accounts, cards, domestic and SEPA payments, savings and time deposits, mortgages and consumer credit, loans to SMEs and agribusiness, and treasury and cash management for associations and public bodies; it also distributes investment products and insurance through group and partner platforms, with leasing and factoring typically provided via specialized affiliates. Distribution combines local branches, ATMs, online and mobile banking, and remote onboarding in line with PSD2 strong customer authentication standards. Funding is predominantly customer deposits, lending is mainly to the retail and SME segments with a local geographic concentration, and collateralized mortgages form a significant share; market and trading activities are limited. Governance follows the cooperative model (member ownership and voting, profit allocation primarily to reserves), and access to certain conditions may depend on membership status and relationship intensity. Pricing, interest rates, and service packages are set at the institution’s discretion and vary by product and customer profile. Deposits are protected up to €100,000 per depositor, per bank, under the statutory EU deposit guarantee framework. Operational policies, branch hours, and digital features can change; prospective customers should review current documentation, tariffs, and KIDs/KIIDs before subscribing to services or instruments.