CASSA RAIFFEISEN ULTIMO - S. PANCRAZIO - LAUREGNO SOCIETA' COOPERATIVA (RAIFFEISENKASSE ULTEN-ST.PANKRAZ-LAUREIN GEN.)

Cassa Raiffeisen Ultimo - S. Pancrazio - Lauregno Società Cooperativa (Raiffeisenkasse Ulten–St.Pankraz–Laurein Gen.) is a member-owned cooperative bank based in Val d’Ultimo/Ulten and serving the municipalities of Ultimo/Ulten, San Pancrazio/St. Pankraz and Lauregno/Laurein in the Province of Bolzano/Bozen. It operates within the Raiffeisen South Tyrol network coordinated by Raiffeisen Landesbank Südtirol AG, follows the cooperative governance model (one member, one vote), and is subject to Italian and EU banking regulation under the oversight of the Bank of Italy and the European banking framework. Activity is centered on retail and small-business banking: current and savings accounts, SEPA payments, debit and credit cards, consumer and mortgage lending, finance for local SMEs, artisans and agriculture, and placement of investment and insurance products through group arrangements. Access is provided via local branches and ATMs, online and mobile banking with strong customer authentication, and standard remote support; branch-based cash services remain available. Prices and conditions are published in the mandatory fogli informativi and related disclosure documents; account maintenance fees, card charges, ATM usage outside the network, and cross-border transfer costs vary by package and should be reviewed before opening. Funding is predominantly from local deposits and lending is concentrated in households, real estate and regional enterprises, implying limited geographic diversification; capital, liquidity and risk metrics are reported in annual financial statements and regulatory disclosures. Eligible deposits are protected up to 100,000 euro per depositor and per bank under the Italian deposit guarantee framework. The bank’s profile suits individuals and businesses in the Ulten/St. Pankraz/Laurein area seeking day-to-day services with German- and Italian-language support and access to the regional Raiffeisen infrastructure; customers requiring a wider national branch footprint or specialized corporate and investment services may need additional providers.