BANCA AGRICOLA POPOLARE DI RAGUSA SOCIETA' COOPERATIVA PER AZIONI

Banca Agricola Popolare di Ragusa Società Cooperativa per Azioni is an Italian cooperative bank headquartered in Ragusa that operates primarily in Sicily and nearby regions through a branch network and remote channels serving households, professionals, farms, and small and mid-sized enterprises. Founded in 1889, it offers current accounts, payment services (including SEPA transfers and cards), savings and term deposits, mortgages and consumer loans, SME and agribusiness lending, treasury and cash management, and distribution of insurance and investment products via third-party partnerships. As a “popolare” cooperative, ownership is spread among member-shareholders and governance follows a one-member-one-vote principle; the shares are not listed on a regulated market and trading is typically handled through internal procedures, which can limit liquidity. The bank is subject to Italian and EU banking rules (including CRR/CRD and PSD2), anti-money-laundering regulations, and prudential supervision by the Bank of Italy within the European supervisory framework; deposits are covered by the Fondo Interbancario di Tutela dei Depositi up to EUR 100,000 per depositor, per bank. Its loan book is focused on retail and SME clients, with a significant portion secured by real estate collateral typical of the local market; capital, liquidity, and asset quality metrics are reported in the annual financial statements and Pillar 3 disclosures. Digital services provide online and mobile access for payments and account management, while onboarding and credit underwriting are largely performed in-branch. Pricing, interest rates, and fees vary by product and customer segment; prospective clients and investors should review the bank’s current tariff schedules, contractual terms, and public financial reports for detailed conditions and risk information.