CASSA RURALE RENON SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE RITTEN GENOSSENSCHAFT)

Cassa Rurale Renon Società Cooperativa (in tedesco Raiffeisenkasse Ritten Genossenschaft) is a local cooperative bank based in Ritten/Renon, South Tyrol, operating within the South Tyrolean Raiffeisen sector and focusing on retail and small-business banking in its catchment area. The bank provides current and savings accounts, time deposits, domestic and cross-border payments, SEPA transfers with Italian IBANs, debit and credit cards, online and mobile banking, mortgages, consumer loans, SME and agricultural lending, and access to investment and insurance products through group and third-party providers. Digital channels support account management, payments and card controls with PSD2-compliant strong customer authentication, and 3-D Secure for online card transactions; branch counters and self-service ATMs cover the local area with access to the wider Raiffeisen ATM network in South Tyrol. Service is available in German and Italian. As a cooperative, customers may become members by subscribing cooperative shares; membership follows one-member-one-vote governance, while cooperative shares are not covered by deposit insurance, may be illiquid, and are subject to statutory redemption rules. Deposits are protected up to EUR 100,000 per depositor under the applicable Italian deposit guarantee scheme in line with EU rules. The institution is subject to prudential and conduct supervision by Banca d’Italia within the European banking framework and applies AML/KYC, FATCA/CRS and GDPR requirements. Account opening requires standard identification and tax documentation; onboarding policies prioritize local residents and businesses, and non-resident or fully remote onboarding is discretionary. Business services include POS and e-commerce acquiring via group providers, basic liquidity solutions and standard trade payments; specialized treasury and capital markets products are limited. Pricing, interest rates and eligibility depend on individual assessment and are disclosed in pre-contractual documentation per Italian transparency rules. The narrow geographic footprint and concentration on the regional market constrain nationwide branch access and some cross-border use cases; users with international needs should review card foreign currency charges, transfer fees, cut-off times and correspondent bank costs. Annual financial statements and regulatory disclosures provide visibility on capital and risk, with key exposures tied to local credit and interest-rate risk and the cooperative share structure.