Caja Rural de Albacete, Ciudad Real y Cuenca, Sociedad Cooperativa de Crédito

Caja Rural de Albacete, Ciudad Real y Cuenca, Sociedad Cooperativa de Crédito, which operates commercially as Globalcaja, is a Spanish cooperative credit institution created in 2011 through the merger of the rural savings banks of Albacete, Ciudad Real, and Cuenca. Headquartered in Albacete, it focuses its activity primarily in Castilla-La Mancha and serves households, self-employed professionals, SMEs, and the agricultural sector through a branch and ATM network and digital channels (Ruralvía online and mobile banking). Its product set includes current and savings accounts, term deposits, debit and credit cards, mortgages, consumer loans, SME working capital and investment financing, agricultural lines linked to sector needs and CAP payment processing, as well as bancassurance, investment funds, and pension plans offered via group and partner companies. It provides standard payment services such as SEPA transfers and mobile payments supported in Spain, and merchant acquiring for businesses. The entity is part of the Asociación Española de Cajas Rurales and the Grupo Caja Rural, accessing shared services and infrastructure through Banco Cooperativo Español and Rural Servicios Informáticos. Governance follows the cooperative model (member-owners, general assembly, and board), and the bank is supervised within the EU Single Supervisory Mechanism as a less significant institution, under the Banco de España with European Central Bank oversight, and subject to CRR/CRD and EBA guidelines. Eligible deposits are protected by the Spanish Deposit Guarantee Fund up to the legal limit per depositor and entity. The institution publishes audited annual accounts and Pillar 3 disclosures on capital, liquidity, and risk; pricing, conditions, and eligibility criteria are product-specific and outlined in its precontractual documentation.