CASSA RURALE - BANCA DI CREDITO COOPERATIVO DI TREVIGLIO - SOCIETA' COOPERATIVA

Cassa Rurale - Banca di Credito Cooperativo di Treviglio - Società Cooperativa is an Italian cooperative credit institution based in Treviglio (Bergamo) with a branch network focused on the local area. As a mutual cooperative, it applies the one-member-one-vote principle; becoming a member typically requires the purchase of cooperative shares, and a portion of profits is retained in statutory reserves under Italian law. The bank offers retail and SME services such as current accounts, savings and time deposits, payment cards, SEPA transfers, mortgages, consumer loans, small business and agricultural lending, and placement of insurance and investment products via distribution agreements; conditions and pricing are set out in the “fogli informativi” and vary by customer profile. Access channels include branches, ATMs, online banking and a mobile app with strong customer authentication under PSD2. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo in line with EU rules. Following Italy’s cooperative banking reform, the bank adheres to a national cooperative credit group that provides centralized risk management, capital and IT support, and it is subject to prudential and conduct supervision by the Bank of Italy within the European Single Supervisory Mechanism. Credit origination follows group policies with income verification, affordability assessments and collateral where applicable. Financial statements, Pillar 3 disclosures, capital and liquidity ratios, and detailed fee schedules are published by the bank and should be reviewed before opening an account or applying for financing.