ZKB ZADRU¿NA KRA¿KA BANKA TRST GORICA ZADRUGA - ZKB CREDITO COOPERATIVO DI TRIESTE E GORIZIA SOCIETÀ COOPERATIVA IN FORMA ABBREVIATA ZKB

ZKB ZADRUNA KRASKA BANKA TRST GORICA ZADRUGA – ZKB CREDITO COOPERATIVO DI TRIESTE E GORIZIA SOCIETÀ COOPERATIVA (in forma abbreviata ZKB) is an Italian cooperative credit institution serving the Karst/Kras area around Trieste and Gorizia, with bilingual Italian–Slovene operations and a focus on retail customers, small businesses, and local entities. Organized as a mutual cooperative under Italian banking law, it is owned by its members, who exercise voting rights on a one-member/one-vote basis and elect the board, and it operates within the national cooperative credit framework required by the 2016 reform of BCCs. It is supervised by the Bank of Italy within the European banking framework and adheres to sectoral protection schemes for cooperative banks; eligible deposits are protected up to statutory limits by the cooperative credit deposit guarantee fund. The bank offers current and savings accounts, payment services (SEPA transfers, domestic and international wires within regulatory limits), debit and credit cards with contactless capability, and online and mobile banking with PSD2 strong customer authentication; it also provides mortgages, consumer credit, and financing to SMEs and agricultural enterprises, and distributes investment and insurance products as an intermediary under MiFID II and IVASS rules through partner providers. Services and documentation are available in Italian and Slovene, and the bank follows standard AML/CFT and GDPR requirements. Pricing is published in the mandatory “foglio informativo” and varies by account package, card type, and channel, with typical distinctions between in-network and out-of-network ATM usage and fees for certain transfer types; interest rates and charges are set by product and can change, with current conditions disclosed in pre-contractual information. Account opening is generally targeted to residents and businesses operating in its defined territory and may require in-branch identification; IBANs are Italian and SEPA-compliant. Customer support is delivered through local branches and remote channels during standard business hours.