BANCA MALATESTIANA - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BANCA MALATESTIANA - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA is an Italian cooperative bank operating primarily in the Rimini area, focused on retail clients, small and medium-sized enterprises, professionals, and the third sector within its local territory. As a cooperative, it is member-owned under the one member–one vote principle, with governance and capital rules defined by its statute; member shares are non-tradable and distinct from deposits. The bank is part of the Gruppo Bancario Cooperativo Iccrea, which provides centralized services and risk controls for affiliated BCCs, and it participates in the sector’s Institutional Protection Scheme as well as the Fondo di Garanzia dei Depositanti del Credito Cooperativo; eligible deposits are protected up to €100,000 per depositor in line with EU and Italian law. Its product range typically includes current and payment accounts, domestic and SEPA transfers, debit and credit cards on Bancomat/PagoBANCOMAT and international circuits, ATM access, mortgages, personal loans, SME financing (including lines for working capital and investment), POS and e-commerce acquiring, treasury and cash management, and distribution of savings, investment, and insurance products offered directly or through group companies; international payments and trade services are usually routed via Iccrea Banca. Distribution combines a local branch network with online and mobile banking channels for account management and payments. Pricing, rates, and conditions are published in the mandatory Trasparenza documents (Fogli Informativi and the EU-standardized documents for investment products) and may differ for members versus non-members. Account opening generally requires standard KYC documentation (valid ID, Italian tax code, and, where applicable, proof of income or corporate registration); suitability and MiFID procedures apply to investment services. Operational considerations include the bank’s geographic focus—credit exposure is largely tied to the local economy—and the cooperative framework, under which certain services or terms may be reserved to members; cooperative shares are equity instruments and are not covered by deposit insurance. Supervision is conducted under the consolidated framework of the Iccrea group by the Bank of Italy, with CONSOB oversight for investment services, and the bank follows AML/CTF requirements applicable in Italy.