CASSA DI RISPARMIO DI FOSSANO S.P.A.

Cassa di Risparmio di Fossano S.p.A. is an Italian regional savings bank headquartered in Fossano (Province of Cuneo, Piedmont) that operates as a joint-stock company and focuses on retail and small to mid-sized business customers in its local market through a network of branches and ATMs. The bank offers current and savings accounts, payment services including SEPA credit transfers and direct debits, domestic debit cards on the BANCOMAT/PagoBANCOMAT circuit and international cards on global networks, residential mortgages, consumer loans, and commercial lending to local enterprises; investment products, insurance, leasing and similar services are typically provided via specialist partners. It is authorized by Banca d’Italia, supervised within the ECB’s Single Supervisory Mechanism as a less significant institution, and participates in the Italian Interbank Deposit Protection Fund, which protects eligible deposits up to €100,000 per depositor. Digital channels include online and mobile banking for account management and payments, with PSD2-compliant access for licensed third parties; cross-border transfers are handled via standard IBAN/SWIFT infrastructure. Funding is largely sourced from customer deposits with limited wholesale market reliance, and lending is concentrated in households and SMEs in Piedmont, implying the geographic concentration common to local savings banks; capital, liquidity and asset quality metrics are disclosed in the bank’s annual financial statements. The institution traces its current corporate form to the 1990s reforms that separated operating banks from banking foundations, with the related foundation remaining among its shareholders. Fee structures follow Italian transparency rules with product-specific “fogli informativi” and published pricing; account packages generally include recurring fees and per-transaction charges, and ATM withdrawals follow domestic and international network conditions. The footprint and product set are oriented to customers in the bank’s catchment area, with branch-based services supplemented by digital channels.