BANCA REALE S.P.A.

Banca Reale S.p.A. is an Italian bank headquartered in Turin and part of Reale Group, a mutual insurance-led financial group; it operates under authorization and supervision of the Bank of Italy and provides investment and distribution services subject to CONSOB oversight. The bank’s model is bancassurance-oriented, combining retail and small-business banking with the group’s insurance distribution network, and relies on a compact branch footprint complemented by digital channels and cross-selling through affiliated insurance agencies. Core services include current and payment accounts, debit and credit cards, SEPA transfers, remote banking, personal and mortgage lending, SME financing, and savings and investment solutions delivered directly or via third-party fund platforms; insurance policies from the group are distributed alongside banking products. Customer deposits are covered by the Italian deposit guarantee scheme up to EUR 100,000 per depositor per bank, and card and online operations follow PSD2 strong customer authentication and 3-D Secure protocols. Pricing and tariff structures follow standard Italian market practice with package accounts and pay-per-use options; the bank publishes contractual documents, KIDs, and fee schedules as required by local transparency rules. Liquidity and capital adequacy are reported in annual financial statements and Pillar 3 disclosures; the balance sheet is primarily retail-funded with credit exposure focused on Italian households and small enterprises, and risk governance frameworks align with CRR/CRD requirements. Operationally, Banca Reale participates in domestic clearing and payment systems, supports standard dispute-resolution mechanisms (including the Arbitro Bancario Finanziario), and maintains complaint-handling procedures consistent with Bank of Italy regulations. The proposition targets customers seeking integrated banking and insurance services in the group’s historical regions, with digital servicing for broader reach; product availability, pricing, and eligibility are contingent on underwriting criteria and may vary by channel and customer profile.