LA CASSA DI RAVENNA S.P.A.

LA CASSA DI RAVENNA S.P.A. is an Italian commercial bank headquartered in Ravenna and operates as the parent of Gruppo La Cassa di Ravenna, with a branch network concentrated in Emilia-Romagna and selected other regions. The group conducts retail, private, and corporate banking, offering current and savings accounts, payment services, debit and credit cards on domestic and international circuits, mortgages, consumer and business loans, and wealth management and advisory; certain activities such as insurance, leasing, and merchant acquiring are typically provided directly or via specialist subsidiaries and partners. The bank’s shares are not publicly listed and a banking foundation associated with Ravenna is a key shareholder; governance follows Italian corporate law with a board of directors and statutory auditors, and financial statements are prepared under IFRS. As a less significant institution under the European banking union, it is supervised by the Bank of Italy with ECB oversight, participates in SEPA, and adheres to the Italian deposit guarantee scheme (Fondo Interbancario di Tutela dei Depositi) covering eligible deposits up to €100,000 per depositor per bank; BRRD bail-in rules apply. Digital channels include online and mobile banking with standard domestic and cross-border euro payment functions and PSD2-compliant access for licensed third parties. Fees and interest conditions vary by product and are disclosed in the bank’s “fogli informativi” and transparency documents; customers should review tariffs for items such as account maintenance, transfers, card issuance and usage, and early repayment or closure. The bank publishes annual and interim reports with capital and asset quality information and Pillar 3 disclosures on its website.