CASSA DI RISPARMIO DI ASTI S.P.A. (IN FORMA ABBREVIATA BANCA C.R. ASTI S.P.A.)

Cassa di Risparmio di Asti S.p.A. (in forma abbreviata Banca C.R. Asti S.p.A.) is a regional Italian bank headquartered in Asti (Piedmont) that operates primarily across northwestern Italy, combining the historic “Banca di Asti” brand with the “Biver Banca” brand acquired and later merged by incorporation. It focuses on retail, private, and SME banking, offering current accounts, payment services, cards on international schemes, mortgages and consumer loans, savings and investment products distributed through third-party asset managers, and bancassurance solutions; leasing and other specialist services are typically provided directly or via partnerships. The bank runs a branch-centric model complemented by online and mobile banking, PSD2-compliant strong customer authentication, and remote channels for everyday operations; account opening procedures and product availability can vary by customer profile and residency. Funding is largely deposit-based with access to wholesale markets for liquidity and capital management; the institution publishes statutory financial statements, Pillar 3 disclosures, and risk reports in line with European banking rules. It is supervised within the European Banking Union framework (Bank of Italy under the ECB’s Single Supervisory Mechanism for less significant institutions) and participates in the Italian Interbank Deposit Protection Fund (FITD), which protects eligible deposits up to €100,000 per depositor per bank. Credit risk is mainly tied to households and local firms, with interest-rate and liquidity risk managed under regulatory limits; governance follows the standard Italian bank model with board oversight and internal control functions. Service scope is tailored to its home regions, which may imply limited physical coverage nationally; fees, rates, and conditions depend on product and channel and are set out in the bank’s official information sheets and transparency documents.