BANCA DI CREDITO COOPERATIVO DI MOZZANICA - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Mozzanica - Società Cooperativa is a local cooperative credit institution based in Mozzanica (Province of Bergamo, Lombardy). As a mutual bank, it is owned by its members and operates under the Italian cooperative credit framework, with one‑member‑one‑vote governance and a mandate oriented to households, small businesses, and the local economy. The bank provides standard retail and SME services, including current and savings accounts, term deposits, payment services, domestic and SEPA transfers, debit and credit cards on domestic PagoBANCOMAT and international circuits, online and mobile banking, personal loans and mortgages, SME financing, agribusiness credit, POS and acquiring solutions, and distribution of investment and insurance products under MiFID/IDD rules via third‑party partners. Branch operations remain central, with a footprint focused on Mozzanica and nearby municipalities; ATMs and service hours are tied to the local network. The institution is authorized and supervised by Banca d’Italia and subject to applicable oversight for investment and insurance intermediation, applies Italian and EU prudential standards, and participates in cooperative credit sector protection mechanisms, including the deposit guarantee scheme for BCCs (Fondo di Garanzia dei Depositanti del Credito Cooperativo) that covers eligible deposits up to 100,000 euro per depositor. Fees and conditions follow the published tariffario and vary by account package and usage (e.g., account maintenance, payment and transfer charges, card fees), while lending rates typically reference Euribor/Eurirs benchmarks plus risk‑based spreads. Digital channels support account management, transfers, card controls, and basic remote onboarding where available, but some operations and advisory services require in‑branch completion. Prospective clients should consider the bank’s local scope, documentation and collateral expectations for credit, possible limits on foreign‑currency transactions and complex investment services, and the practical value of proximity to branches. Financial reporting is available through the annual bilancio and Pillar 3 disclosures, which outline capital adequacy, liquidity, and asset quality; performance is exposed to regional economic conditions and concentration in local borrowers, consistent with the profile of small cooperative banks in Italy.