BANCA DI ANGHIARI E STIA - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Banca di Anghiari e Stia - Credito Cooperativo - Società Cooperativa is a Tuscan cooperative credit institution (BCC) headquartered in the province of Arezzo, operating a local branch network across the Valtiberina and Casentino areas, including Anghiari and Stia. It provides retail and small-business services such as current and savings accounts, term deposits, domestic and SEPA payments, debit and credit cards, online and mobile banking, mortgages, personal loans, SME and agribusiness lending, guarantees, and POS acquiring; insurance and investment products are generally distributed through bancassurance and group partnerships. Governance follows the cooperative model, with ownership held by members (soci) on a one-member-one-vote basis, and membership typically requiring the subscription of cooperative shares. Following the Italian cooperative banking reform, it is part of a national cooperative banking group that centralizes capital, risk management, treasury, and compliance functions; prudential supervision applies at both the individual and group level by the Bank of Italy and, within the Single Supervisory Mechanism, the European Central Bank. Deposits are protected up to 100,000 euros per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the group’s institutional protection scheme provides additional support mechanisms. Pricing, interest rates, and eligibility criteria are set locally and disclosed in the Fogli Informativi and other pre-contractual documents; account opening and lending generally require standard Italian identification, tax code, and income documentation. The bank processes SEPA credit transfers and standing orders, with international transfers via SWIFT where available; the availability of instant payments, digital onboarding, and advanced corporate services depends on customer profile and channel. Its business model is geographically concentrated, linking loan performance and growth to local economic conditions, and its international and specialized corporate capabilities are narrower than those of larger national banks, while operations remain focused on households, artisans, small firms, cooperatives, and non-profits within its catchment area.