BANCA PATAVINA CREDITO COOPERATVO DI SANT'ELENA E PIOVE DI SACCO, SOCIETA' COOPERATIVA

BANCA PATAVINA CREDITO COOPERATVO DI SANT'ELENA E PIOVE DI SACCO, SOCIETA' COOPERATIVA is an Italian cooperative credit bank (BCC) active primarily in the Veneto region, with a branch network centered around the province of Padua and neighboring areas. It operates within the Iccrea Cooperative Banking Group (Gruppo Bancario Cooperativo Iccrea), which provides centralized functions such as risk control, treasury, and IT, and an institutional protection framework for affiliated BCCs. The bank’s activity is focused on retail and small-business banking, including current and savings accounts, payment services (SEPA transfers, cards, POS/acquiring), mortgages and personal loans, financing for SMEs and agriculture, cash management, and the distribution of standard insurance and investment products through group channels. Access is provided via local branches and remote channels (online and mobile banking) compliant with PSD2 strong customer authentication, with standard KYC, AML, FATCA/CRS requirements. Governance follows the cooperative model in which member-shareholders (soci) exercise voting rights on a one-member-one-vote basis; membership typically requires subscribing cooperative shares and allows participation in assemblies, while non-members can use banking services under published terms. Funding is largely based on customer deposits, complemented by group liquidity lines; credit risk is concentrated in lending to households and local enterprises, with provisioning under IFRS 9 and prudential requirements under CRR/CRD, and supervision by the Bank of Italy within the European regulatory framework. Deposits are covered up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the bank participates in the sector’s institutional protection scheme. Pricing, eligibility, and product conditions are disclosed in the bank’s transparency documents as required by Italian law and vary by product and customer segment; account packages and digital services generally involve ongoing fees and transaction charges in line with regional cooperative peers. Prospective clients should consult the latest information sheets, key information documents, and fee schedules before opening accounts or subscribing to services.