BANCO DI SARDEGNA S.P.A.

Banco di Sardegna S.p.A. is an Italian commercial bank headquartered in Sassari with a branch network concentrated in Sardinia and a more limited presence on the mainland. It is controlled by BPER Banca S.p.A. and operates within the BPER Group’s governance, risk, and compliance frameworks. The bank provides standard retail and business banking services, including current and payment accounts, SEPA transfers, cards, consumer and mortgage lending, SME and corporate credit, cash management, POS/acquiring, and trade services, alongside distribution of investment and insurance products offered through group companies. Access is via branches, ATMs, online banking, and a mobile app, with account terms, fees, and transparency documents published in line with Italian regulations. Deposits are protected by the Fondo Interbancario di Tutela dei Depositi up to EUR 100,000 per depositor per bank, and investor protections apply as per the Fondo Nazionale di Garanzia where relevant; payments and data handling follow PSD2/SCA and GDPR requirements. Financial reporting is prepared under IFRS and the bank is included in BPER Group’s consolidated statements; prudential supervision is exercised by the Bank of Italy and the ECB at the group level. The institution’s activity is oriented to households, SMEs, and public entities in Sardinia, reflecting a regional credit focus; capital, liquidity, and non-performing exposure management align with group policies. Historically linked to the regional foundation (Fondazione di Sardegna), the bank was converted into a joint-stock company in the 1990s under national banking reforms. The geographic concentration provides local coverage while implying more limited physical access for customers outside Sardinia; digital channels mitigate, but do not eliminate, this aspect. Official information, including conditions and service availability, is available at bancodisardegna.it.