BANCA ADRIA COLLI EUGANEI - CREDITO COOPERATIVO SOCIETA' COOPERATIVA

BANCA ADRIA COLLI EUGANEI - CREDITO COOPERATIVO SOCIETA’ COOPERATIVA is a local Italian cooperative bank operating in the Veneto region, with a footprint concentrated around the Adria area and the Colli Euganei district and a focus on households, small businesses, artisans, and agriculture. As a Banca di Credito Cooperativo, it follows the mutual model (one member, one vote) and participates in a cooperative banking group pursuant to Italy’s BCC reform, while remaining subject to supervision by the Bank of Italy within the European Single Supervisory Mechanism for less significant institutions. The bank offers standard retail and SME services, including current and savings accounts, payment cards, SEPA transfers and direct debits, PagoPA/CBILL, term funding solutions, personal and mortgage lending, working-capital and investment loans for enterprises, and guarantees. It distributes investment and insurance products through affiliated providers (mutual funds, portfolio management, life and non-life policies) and provides merchant services such as POS and e-commerce acquiring, along with corporate digital banking (including CBI) and tools for e-invoicing. Online and mobile banking are available, though onboarding and product eligibility may vary by customer profile and residence in the service area. Deposits are protected up to €100,000 per depositor under the cooperative sector’s deposit guarantee scheme in line with EU rules; the bank is also part of the sectoral institutional protection framework. Pricing is set by published fee schedules that differ by account package and channel, and lending terms depend on credit assessment, collateral, and public guarantees where applicable. The model’s proximity to the local economy supports sector familiarity but also concentrates exposure to the regional customer base, making risk management, capitalization, and liquidity policies central to its operating profile.