CASSA RAIFFEISEN CASTELROTTO - ORTISEI SOC. COOPERATIVA - RAIFFEISENKASSE KASTELRUTH - ST. ULRICH GENOSSENSCHAFT

Cassa Raiffeisen Castelrotto - Ortisei Soc. Cooperativa – Raiffeisenkasse Kastelruth – St. Ulrich Genossenschaft is a cooperative retail bank operating in South Tyrol, serving the municipalities of Castelrotto/Kastelruth and Ortisei/St. Ulrich and nearby areas. It offers standard retail and small-business services including current and savings accounts, payment services (SEPA transfers, cards, ATM access), mortgages, consumer and SME lending, and distribution of investment and insurance products as an intermediary. As a cooperative, it is owned by members under a one-member-one-vote model, is not publicly listed, and holds an annual general meeting; membership usually requires purchasing cooperative shares and may confer certain member-specific conditions as defined in the statute. The bank is authorized in Italy and supervised by the Bank of Italy within the European banking framework for less significant institutions; deposits are protected up to the statutory limit of 100,000 euro per depositor under Italian and EU rules. It is part of the South Tyrol Raiffeisen network, which maintains shared service infrastructure and an institutional protection scheme designed to enhance the resilience of participating banks. Channels include local branches and ATMs in the regional Raiffeisen network, plus online and mobile banking for account management, transfers, and card controls; service is typically available in Italian and German. Pricing and interest conditions are set locally and disclosed in the bank’s transparency documents; account packages may carry monthly fees and standard charges apply to cards, cash operations, and cross-border or non-SEPA payments. Credit decisions follow standard income, collateral, and risk assessments, with SMEs potentially accessing state-backed guarantees where eligible. The institution publishes annual financial statements and pre-contractual disclosures for investment and insurance distribution. The operating footprint is regional, and product breadth and digital feature depth are generally aligned to retail and SME needs rather than specialized corporate or investment banking; availability of services such as instant payments or remote onboarding depends on channel and customer profile.