CREDEM CREDITO EMILIANO S.P.A.

Credito Emiliano S.p.A. (CREDEM) is an Italian banking group headquartered in Reggio Emilia and listed on Euronext Milan, operating a multi-channel model that combines a nationwide branch network concentrated in northern and central regions with online and mobile services. The group provides retail, private, and corporate banking, including current and payment accounts, debit and credit cards, domestic and international transfers, mortgages and consumer loans (also through a dedicated consumer-credit arm), SME and corporate lending, trade finance, leasing, factoring, asset management and investment services, and life and non-life bancassurance distributed through group companies. Fees, interest rates, and product features are tiered by package and profile; typical charges can include account maintenance, out-of-network ATM withdrawals, international transfers, and paper statements, while loan pricing generally references market benchmarks (such as Euribor) plus a spread based on credit risk. Digital channels support account management, payments, and securities services where enabled, and apply strong customer authentication in line with PSD2; data handling follows GDPR. CREDEM is supervised under the European Banking Single Supervisory Mechanism (ECB/Banca d’Italia) and adheres to the Italian Interbank Deposit Protection Fund (FITD), which protects eligible deposits up to €100,000 per depositor per bank; investment and insurance products are not covered by the deposit guarantee. The bank is controlled by Credemholding S.p.A., with the remaining shares in free float, and publishes audited annual and interim financial statements; regulatory capital and liquidity metrics are reported periodically and are required to remain above minimum thresholds, while asset quality and coverage levels are monitored under prudential rules. Standard account opening requires valid identification, Italian tax code, and anti–money laundering checks; some products allow remote onboarding, and availability or eligibility may vary by residence and customer risk profile. Customer assistance is provided through branches, phone, and digital channels, and complaints can be escalated through the procedures set out by Italian regulation (including the Arbitro Bancario Finanziario).