BANCA POPOLARE DEL LAZIO SOCIETA' COOPERATIVA

BANCA POPOLARE DEL LAZIO SOCIETA' COOPERATIVA is a regional cooperative bank operating primarily in the Lazio area of Italy, including Rome and surrounding provinces, with a network of branches and ATMs serving households, professionals, and small to mid-sized enterprises. Its cooperative structure means ownership is held by member-shareholders under a “one member, one vote” principle, and governance follows Italian cooperative banking rules alongside European banking regulation. The bank offers standard retail and commercial services: current and savings accounts, payment services within SEPA, domestic tax payments (e.g., F24), debit and credit cards on international circuits, online and mobile banking, and cash management. Lending covers mortgages, consumer credit, working capital lines, term loans, guarantees, and project or equipment financing, provided directly or through partnerships (such as leasing or factoring). Investment and savings products typically include time deposits, mutual funds, and insurance-based solutions distributed under MiFID II and IDD frameworks, with services subject to suitability and appropriateness checks. Supervision is conducted by the Bank of Italy within the European Single Supervisory Mechanism, and investment services are overseen by CONSOB; deposits are protected up to EUR 100,000 per depositor by the Fondo Interbancario di Tutela dei Depositi, in line with EU rules. The institution operates under PSD2, enabling strong customer authentication and connections with licensed third-party providers. Pricing, interest rates, and product availability follow published terms and are adjusted to regulatory and market conditions; credit issuance is subject to underwriting, collateral, and ongoing monitoring as defined in the bank’s risk policies and disclosures.