BANCA DI CREDITO COOPERATIVO DEI COLLI ALBANI - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo dei Colli Albani – Società Cooperativa is an Italian cooperative credit institution operating in the Colli Albani/Castelli Romani area of Lazio, focused on retail banking, small businesses, professionals, and local organizations. As a BCC, it follows a mutualistic model with one-member-one-vote governance; becoming a member typically requires purchasing cooperative shares, which are illiquid, can be subject to redemption limits, and are not protected by deposit guarantee schemes. The bank provides standard retail and SME services, including current accounts, savings and time deposits, payment services compliant with SEPA, debit and credit cards on domestic and international circuits, online and mobile banking, point-of-sale and e-commerce acquiring, mortgages, consumer loans, working capital facilities, and longer-term financing potentially supported by public guarantees where applicable. Under Italy’s cooperative banking reform, it is affiliated with a cooperative banking group that provides group-wide risk management and an institutional protection system; prudential supervision is exercised by the Bank of Italy and, at the group level, within the European banking supervision framework. Deposits are covered up to €100,000 per depositor per bank by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; investment products and cooperative shares are excluded, and market-linked instruments carry capital risk. Fees, interest rates, and conditions vary by product and customer profile and are detailed in the bank’s “Foglio Informativo” and other transparency documents published under Italian banking rules; customers can file complaints through the bank’s “reclami” channel and, if needed, escalate to the Arbitro Bancario Finanziario. Service availability, digital features, and card/payment options may reflect solutions standardized at the cooperative group level; branch presence and ATM access are oriented to the bank’s local catchment area.