BANCA DI CREDITO COOPERATIVO DI GAMBATESA - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Gambatesa – Società Cooperativa is an Italian mutual cooperative bank based in Gambatesa (Molise) operating under the regulatory framework for Banche di Credito Cooperativo. It provides retail and small business banking services typical of the sector, including current and savings accounts, time deposits, domestic and SEPA payments, cards on domestic and international circuits, ATM and POS services, online and mobile banking, and lending such as personal loans, mortgages, and financing for small enterprises, agriculture, and non‑profit entities. As a cooperative, client‑members (soci) may subscribe shares and exercise governance on a one‑member, one‑vote basis according to its statute. The bank is supervised by the Banca d’Italia under the Consolidated Banking Act and applies EU rules such as PSD2 strong customer authentication for payment services and MiFID II when offering investment products; product costs and conditions are disclosed in the required fogli informativi and pre‑contractual documentation. Deposits are protected up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; investment services, if provided, fall under the National Guarantee Fund within legal limits. Like other BCCs, it operates within Italy’s cooperative banking system, which provides centralized services and support mechanisms for risk management, and publishes annual financial statements prepared under EU‑endorsed IFRS. Its risk profile is tied to a localized operating area and borrower base, and pricing, eligibility, and availability of products are determined locally and subject to change.