BANCA PREALPI SANBIAGIO CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Banca Prealpi SanBiagio Credito Cooperativo – Società Cooperativa is an Italian mutual cooperative bank (BCC) operating mainly in Veneto and neighboring areas, created through the consolidation of local cooperative institutions in recent years. It provides standard retail and small-business services, including current and savings accounts, time deposits, debit and credit cards, domestic and SEPA transfers, mortgages and consumer loans, business credit lines and leasing, POS and acquiring, as well as insurance and investment products distributed on an intermediary basis. Governance follows the cooperative model: customers can apply to become members by subscribing non-listed cooperative shares; voting is typically one-member-one-vote; dividends are not guaranteed; redemption of shares can be deferred or limited under by-laws and prudential rules. Eligible deposits are protected up to EUR 100,000 per depositor under the recognized deposit guarantee scheme for cooperative banks in line with EU rules; the bank also adheres to the sector’s institutional protection mechanism designed to support member institutions’ stability. Supervision falls under the European banking framework via the Bank of Italy and the Single Supervisory Mechanism; investment and payment services are provided under MiFID II and PSD2, with pre-contractual disclosures, cost transparency, and suitability/appropriateness checks where required. Access is via a local branch network supported by online and mobile banking; remote onboarding may be available for some products, though certain services still require in-person identification or signatures; cards work on domestic networks and internationally, with fees and limits specified in the bank’s price lists. The bank’s customer base is oriented toward households, professionals, micro and small enterprises, and agriculture within its territory; credit processes emphasize local knowledge, while the breadth of products and digital features can differ from larger national players. Pricing, interest rates, and conditions are set out in the “Fogli Informativi,” “Documento di Sintesi,” and contractual terms; customers should review amortization type, total cost of credit, early repayment rules, and ancillary costs before subscribing, and consult the bank’s public disclosures (including Pillar 3/“Informativa al Pubblico”) for risk and capital information.