BANCA DI CREDITO COOPERATIVO DI GAUDIANO DI LAVELLO - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI GAUDIANO DI LAVELLO - SOCIETA’ COOPERATIVA is a local cooperative credit institution headquartered in Gaudiano, a frazione of Lavello (Province of Potenza, Basilicata), operating primarily in its home territory and nearby areas. As a BCC, it serves households, small businesses, agricultural enterprises, and nonprofits with a standard retail and SME offering that typically includes current and savings accounts, time deposits, domestic and SEPA payments, debit cards on the Bancomat/PagoBANCOMAT circuit, international cards (e.g., Visa/Mastercard) through network partners, online and mobile banking, and ATM access. On the lending side it provides mortgages, personal loans, business credit lines, agribusiness finance, and may distribute leasing, factoring, insurance, and asset management products via cooperative network arrangements. The bank operates under the cooperative mutual model with member-based governance (one member, one vote), non-listed shares, and admission/redemption conditions set by its statute and prudential constraints. It is supervised under Italian and EU banking rules (Bank of Italy oversight, with group-level prudential frameworks where applicable), and participates in the protection architecture of the cooperative credit sector, including the Fondo di Garanzia dei Depositanti del Credito Cooperativo for deposit coverage up to 100,000 euro per depositor per bank and the sector’s institutional protection mechanisms defined by law. Product features, pricing, and eligibility follow Italian transparency rules and are set out in the Fogli Informativi and contracts; availability and service levels can differ by branch and over time, and onboarding and lending are subject to standard KYC/AML checks and credit assessments. The operating model is branch-centric with digital channels for routine operations; the geographic footprint is limited, cross-border services are not a focus, and the breadth of digital features depends on cooperative network platforms and third-party providers. Financial reporting follows the applicable Italian/EU frameworks, with annual accounts and governance disclosures available through statutory channels.