BANCA DI CARAGLIO, DEL CUNEESE E DELLA RIVIERA DEI FIORI - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BANCA DI CARAGLIO, DEL CUNEESE E DELLA RIVIERA DEI FIORI - CREDITO COOPERATIVO - SOCIETA’ COOPERATIVA is an Italian mutual bank based in Caraglio (province of Cuneo) with activity concentrated in the Cuneo area of Piedmont and the Ligurian Riviera dei Fiori, delivering retail and SME banking through a local branch network and remote channels. Incorporated as a società cooperativa under the Credito Cooperativo framework, it is owned by member-shareholders (soci) on a one-member-one-vote basis and operates with the mutuality constraints set by law; since 2019 it belongs to a cooperative banking group (Gruppo Bancario Cooperativo) for consolidated supervision, risk management and shared platforms. The offering covers current accounts, savings and deposit solutions, payment services (SEPA transfers, BANCOMAT/PagoBANCOMAT, international cards and POS), mortgages and personal loans, financing for small businesses and agriculture, and the placement of investment and insurance products under MiFID and IVASS regulation. Digital access is provided via home banking and a mobile app aligned with the group infrastructure; onboarding and some credit processes may require branch interaction due to KYC/AML requirements, and availability is generally tailored to residents in the served territories. Conditions, fees and interest rates are detailed in the Fogli Informativi and Documento di Sintesi for each product, with pricing dependent on the chosen package and usage profile. Deposits are covered up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the sector’s institutional protection scheme operates alongside this; prudential oversight is exercised by Banca d’Italia and, at group level, within the European banking supervision framework. The bank addresses households, professionals, nonprofits and local enterprises in its catchment area, with service delivery and credit allocation focused on the regional economy and branch footprint, and service language primarily Italian.