CASSA RAIFFEISEN DI DOBBIACO SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE TOBLACH GENOSSENSHAFT)

Cassa Raiffeisen di Dobbiaco Società Cooperativa (in tedesco Raiffeisenkasse Toblach Genossenschaft) is a member-owned cooperative bank based in Dobbiaco/Toblach (Province of Bolzano/Bozen, South Tyrol, Italy). It operates within the South Tyrolean Raiffeisen system, coordinating with central service and liquidity institutions in the region, and is subject to Italian and EU banking regulations under the oversight of the Bank of Italy within the Single Supervisory framework. The bank focuses on retail and small-business banking in its local area, offering current and savings accounts, payment services (including SEPA transfers and cards), consumer and business lending, residential mortgages, and financing for agriculture and local enterprises; it also distributes investment and insurance products through affiliated providers where allowed by law. Access is provided through branch counters, ATMs, online banking, and a mobile app, with customer service typically available in Italian and German. As a cooperative, customers may apply to become members by subscribing shares, gaining voting rights in governance and access to member-related policies as defined by the statutes; membership terms, any patronage allocations, and share redemption conditions are set by the bank and applicable regulations. Pricing follows published fee schedules and interest rate conditions, which can vary by product and customer profile; underwriting is relationship-based and centered on the local economy. Deposits are protected up to the limits set by EU law (generally up to EUR 100,000 per depositor, per bank) through participation in an Italian deposit guarantee scheme. The bank publishes statutory disclosures and financial statements and adheres to conduct, transparency, and anti–money laundering requirements. Its proposition is primarily oriented to residents and businesses in the Alta Pusteria/Hochpustertal area who require proximity banking and multilingual servicing, while customers seeking nationwide branch coverage or standardized digital offerings across Italy may find scope and reach aligned to a local institution.