BANCA CASSA CENTRALE Company Profile - Cassa Centrale Banca
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CLASSIFICAZIONE: PUBBLICO
OCTOBER 2 0 2 1
CASSA CENTRALE
BANCA
Company Profile
CLASSIFICAZIONE: PUBBLICO
A great Cooperative Group 3
We are a group 7
Risk cautions and efficiency 13
TABLE OF
Territorial presence 15
Key data 23
CONTENTS Cooperative. Sustainable. Responsible. 25
Organisational structure 33
Group 34
Parent company 36
Offer 37
Instrumental companies 40
Company Profile 2
CLASSIFICAZIONE: PUBBLICO
A GREAT COOPERATIVE
GROUP
Solid. Close. Ours.
Company Profile 3
CLASSIFICAZIONE: PUBBLICO
A GREAT COOPERATIVE GROUP
We are the Cooperative
Banking Group that stands
alongside the territories and
communities.
Our aim is to promote the well-being of our partners and the
territories in which we operate, helping contribute towards the
common good and create well-being that can be handed down
to the generations to come, as part of a sustainable path. We
intend to achieve this aim by combining the value and autonomy
of a system of local Banks, the very expression of the different
territories, with the profitability, efficiency, growth and stability
typical of a major banking group.
Company Profile 4
CLASSIFICAZIONE: PUBBLICO
A GROUP THAT IS…
SOLID CLOSE OURS
Amongst the top 10 banking groups in A network that promotes social and A system of Cooperative Banks united
Italy in terms of assets and financial economic well-being on a local level by a Cohesion Agreement
solidity
Company Profile 5
CLASSIFICAZIONE: PUBBLICO
OUR STRENGTHS ▪ Guaranteeing an active participation of virtuous
Banks in the definition of the Group strategies and
operative objectives.
▪ Ensuring a good level of operational autonomy,
AUTONOMY AND
modulated according to the virtuosity of the
VIRTUOSITY individual banks.
▪ Strengthening investment capacity in
innovation and technology, to improve the offer ▪ Having excellent equity solidity with extensive
and service to customers. unrestricted inter-group asset.
▪ Expanding the knowledge of customers, ▪ Achieving, as a Group, a CET1 Ratio that is
benefitting from common and integrated data. amongst the best in the banking system.
GROWTH AND EQUITY
INNOVATION ▪ Optimising the efficiency of the information SOLIDITY
processes, pooling skills and experience.
▪ Having a balanced governance and the right
▪ Developing a range that can satisfy all our degree of decision-making agility.
partners’ and customers’ needs.
▪ Simplifying processes through growing digitisation.
▪ Maintaining and promoting relations with the
local community. ▪ Developing synergies of costs and revenues
LOCAL EFFICIENCY through the optimisation of centres of excellence
▪ Investing to improve the social, economic and and best practices.
RELATIONSHIPS AND AGILITY
cultural context of the territory.
Company Profile 6
CLASSIFICAZIONE: PUBBLICO
WE ARE A GROUP
But we haven’t always been
Company Profile 7
CLASSIFICAZIONE: PUBBLICO
WE ARE A GROUP, BUT WE
HAVEN’T ALWAYS BEEN
Driven by the Cooperative Credit reform, we decided to create a
Group to continue to do what we have always done: to
contribute towards the well-being of our territories, preserving their
social cohesion, participatory development and progress of the
communities.
The new Group has taken on the name of Cassa Centrale, the
parent company around which the Banks have joined forces,
along with the instrumental companies that today make up the
banking group.
Company Profile 8
CLASSIFICAZIONE: PUBBLICO
OUR HISTORY
12 September 2002
Name change to Cassa Centrale delle Casse Rurali
Trentine e delle Banche di Credito Cooperativo del
8 April 2016
28 February 1974 Nord Est SpA, welcoming the expansion of the The cooperative credit reform
Cassa Centrale delle Casse corporate base to include the cooperative credit banks becomes law. Parliament converts the
Rurali Trentine SpA is born of Veneto and Friuli Venezia Giulia Decree Law of 14 February 2016
1974 1999 2002 2007 2016
Agreements between 13 June 2007
Federazione Trentina, Veneta
The extraordinary shareholders' meeting approves the
and Friuli Venezia Giulia.
new name “Cassa Centrale Banca - Credito
Partnerships with banks outside
Cooperativo del Nord Est SpA", incorporating the now
the region of Trento
supra-regional nature of the bank
Company Profile 9
CLASSIFICAZIONE: PUBBLICO
OUR HISTORY
13 October 2016 27 September 2017 2 August 2018
Verona: the project Milan: more than 100 banks Official Bank of Italy and ECB
announcement choose Cassa Centrale Banca authorisation
2016 2017 2017 2017 2018 2019
31 March 2017 Late November 2017 1 January 2019
Milan: Cassa Centrale Banca Achievement of the share The Group is born
announces that it will be capital threshold required by law
exceeding the equity threshold
required by the cooperative
credit reform law
Company Profile 10CLASSIFICAZIONE: PUBBLICO
OUR HISTORY
10 December 2019
1 January 2020
After development of the market
As part of the reorganisation of the corporate
segment for consumer credit through
structure of the Group companies operating in
the Prestipay brand, the dedicated
ICT and back-office services, Allitude S.p.A.
company Prestipay S.p.A. was set up
was set up
2019 2019 2019 2020 2020
18 December 2019 March 2020
19 February 2019
Establishment of the company Claris
The ECB communicated its In the difficult context of the Covid-19 emergency, in order to
Rent S.p.A. with a sole shareholder, a
decision to classify the Cassa mitigate the effects of the lockdown, the Cassa Centrale
subsidiary of Claris Leasing S.p.A., in
Centrale Group as a «significant» Group promptly took on board the Government’s important
order to implement the project to
supervised entity. legislative provisions and implemented all the actions to
develop long-term leasing.
facilitate the granting of the benefits envisaged by these
provisions in order to support households and businesses.
Company Profile 11CLASSIFICAZIONE: PUBBLICO
OUR STORY
2 August 2021
31 December 2020 Cassa Centrale Banca acquired an additional 10% stake in
The Cassa Centrale Group approved the 2020 financial statements, Centrale Trading, which thus joins the Cooperative Banking
with profits up 8.8% to €245 million and a CET1 ratio of 21.46%. This puts Group as a subsidiary, from Cassa Centrale Raiffeisen Alto
the Group at the top of Italy's banking sector in terms of capitalisation Adige.
and confirm its ability to provide better and better support to the
Communities, reacting more than positively to the Covid-19
emergency.
2020 2021 2021
9 July 2021
The Cassa Centrale Group passed the Comprehensive Assessment, according to the results
published by the European Central Bank (ECB) today. Below are the overall results for the
year: CET1 ratio of 17.14% in the «baseline» scenario compared to an initial ratio
of 19.72% as of December 2019, significantly above the 8% threshold set by the ECB; CET1
ratio of 10.59%, in the «adverse» scenario, compared to the minimum 5.5% threshold set by
the ECB.
Company Profile 12CLASSIFICAZIONE: PUBBLICO
RISK CAUTIOUS AND
EFFICIENCY
Reliability is an important commitment that we choose to guarantee to our
customers, and it is one of our main strengths
Company Profile 13CLASSIFICAZIONE: PUBBLICO
RISK CAUTIOUS
Our commitment to keep the Group stable, safe and efficient comes from our high degree of equity solidity, the
low risk profile and the highly-efficient organisational model.
High equity solidity Low risk profile Strong resilience
Net income: € 245 mln
CET 1 Ratio for the Group 21.5% NPL coverage ratio
Very resilient business model despite
The higher these values, the more Coverage Ratio of 64%
the current adverse
solid the Group
The higher this value, the more macroeconomic environment
prudent the Group
Company Profile 14CLASSIFICAZIONE: PUBBLICO
TERRITORIAL PRESENCE
Company Profile 15CLASSIFICAZIONE: PUBBLICO
TRENTINO ALTO
ADIGE
LOMBARDY
16
5 FRIULI VENEZIA GIULIA
LOCALLY PRESENT AOSTA VALLEY
1
6 5
VENETO
PIEDMONT 6
7
We are a major Group EMILIA-ROMAGNA
with a capillary presence TUSCANY
1 1 MARCHE
throughout Italy, thanks to
1
71 local Banks that are UMBRIA ABRUZZO
1
well-rooted in the different 5
territories. LAZIO
APULIA
3 7
CAMPANIA
2 CALABRIA
AFFILIATED BANKS
PARENT COMPANY OFFICES
4 SICILY
Figure as at 01.10.2021
Company Profile 16CLASSIFICAZIONE: PUBBLICO
PARENT COMPANY OFFICES
TRENTO OFFICE
BRESCIA TERRITORIAL OFFICE
VIA GIOVANNI SEGANTINI, 5 - 38122 TRENTO
VIA SOSTEGNO, 60
VIA GIOVANNI SEGANTINI, 10 - 38122 TRENTO 25124 BRESCIA
VIA GIOVANNI SEGANTINI, 23 - 38122 TRENTO
CUNEO TERRITORIAL OFFICE
VIA JACOPO ACONCIO, 9 - 38122 TRENTO
VIA GENOVA, 11/A
VIA INNSBRUCK, 2 - 38123 TRENTO
12100 CUNEO
VIA ALTO ADIGE, 160 - 38121 TRENTO
BOLOGNA TERRITORIAL OFFICE
PIAZZA CENTA, 13 - 38122 TRENTO
VIA DEI TRATTATI COMUNITARI EUROPEI 1957-2007, 15
UDINE TERRITORIAL OFFICE 40127 BOLOGNA
VIA VERZEGNIS, 15
ROME TERRITORIAL OFFICE
33100 UDINE
VIALE ALEXANDRE GUSTAVE EIFFEL, 15
PADUA TERRITORIAL OFFICE 00148 ROME
VIA GIACINTO LONGHIN, 21
BARI TERRITORIAL OFFICE
35129 PADUA
VIA GIOVANNI AMENDOLA, 168/5
70126 BARI
Company Profile 17CLASSIFICAZIONE: PUBBLICO
THE AFFILIATED BANKS 1/5
Abruzzo
▪ BCC SANGRO TEATINA Emilia-Romagna
▪ BANCA MALATESTIANA CREDITO COOPERATIVO DELLA PROVINCIA DI RIMINI
Calabria ▪ BCC ROMAGNA OCCIDENTALE
▪ BANCA CENTRO CALABRIA CREDITO COOPERATIVO ▪ BCC FELSINEA BANCA DI CREDITO COOPERATIVO DAL 1902
▪ BCC DELL'ALTO TIRRENO DELLA CALABRIA VERBICARO ▪ BANCA CENTRO EMILIA CREDITO COOPERATIVO
▪ BANCA DI CREDITO COOPERATIVO DI SARSINA SOCIETÀ COOPERATIVA
Campania ▪ ROMAGNABANCA CREDITO COOPERATIVO
▪ BCC AQUARA ▪ BANCA DI BOLOGNA
▪ BCC FLUMERI
▪ BANCA MONTE PRUNO CREDITO COOPERATIVO DI FISCIANO, ROSCIGNO E
LAURINO
Company Profile 18CLASSIFICAZIONE: PUBBLICO
THE AFFILIATED BANKS 2/5
Friuli Venezia Giulia Lombardia
▪ CASSA RURALE FVG BANCA DI CREDITO COOPERATIVO ▪ CASSAPADANA BANCA DI CREDITO COOPERATIVO
▪ BANCATER CREDITO COOPERATIVO FVG SOCIETÀ COOPERATIVA ▪ BCC BARLASSINA
▪ PRIMACASSA – CREDITO COOPERATIVO FVG SOCIETÀ COOPERATIVA ▪ CASSA RURALE ED ARTIGIANA DI BORGO SAN GIACOMO BANCA DI CREDITO
COOPERATIVO
▪ FRIULOVEST BANCA CREDITO COOPERATIVO
▪ BCC DI BRESCIA
▪ ZKB ZADRUŽNA KRAŠKA BANKA TRST GORICA ZADRUGA ZKB (CREDITO
COOPERATIVO DI TRIESTE E GORIZIA SOCIETÀ COOPERATIVA) ▪ BANCA DEL TERRITORIO LOMBARDO CREDITO COOPERATIVO
▪ BCC LAUDENSE LODI
Lazio
▪ BCC DEL CIRCEO E PRIVERNATE Marche
▪ BCC DEI CASTELLI ROMANI E DEL TUSCOLO ▪ BANCO MARCHIGIANO
▪ BANCANAGNI CREDITO COOPERATIVO
▪ BANCA CENTRO LAZIO CREDITO COOPERATIVO
▪ BANCA LAZIO NORD
Company Profile 19CLASSIFICAZIONE: PUBBLICO
THE AFFILIATED BANKS 3/5
Piemonte ▪ BCC SAN GIOVANNI ROTONDO
▪ BENE BANCA CREDITO COOPERATIVO DI BENE VAGIENNA ▪ BCC SAN MARZANO DI SAN GIUSEPPE
▪ CASSA RURALE ED ARTIGIANA DI BOVES BANCA DI CREDITO COOPERATIVO
▪ BANCA DI CARAGLIO CREDITO COOPERATIVO Sicilia
▪ BANCA DI CHERASCO CREDITO COOPERATIVO ▪ BCC DEI CASTELLI E DEGLI IBLEI MAZZARINO
▪ BCC PIANFEI E ROCCA DÈ BALDI ▪ CREDITO ETNEO BANCA DI CREDITO COOPERATIVO
▪ BCC CASALGRASSO E SANT'ALBANO STURA ▪ BCC LA RISCOSSA DI REGALBUTO
▪ BANCA SICANA CREDITO COOPERATIVO DI SOMMATINO, SERRADIFALCO E
SAMBUCA DI SICILIA
Puglia
▪ BCC DELL'ALTA MURGIA
Toscana
▪ BCC ALBEROBELLO, SAMMICHELE E MONOPOLI
▪ BCC DI CASTAGNETO CARDUCCI
▪ BCC CASSANO DELLE MURGE E TOLVE
▪ BCC DI CONVERSANO
▪ BCC LOCOROTONDO
Company Profile 20CLASSIFICAZIONE: PUBBLICO
THE AFFILIATED BANKS 4/5
Trentino Alto Adige ▪ CASSA DI TRENTO, LAVIS, MEZZOCORONA E VALLE DI CEMBRA BANCA DI
CREDITO COOPERATIVO
▪ CASSA RURALE VALLAGARINA BANCA DI CREDITO COOPERATIVO
▪ CASSA RURALE ALTA VALLAGARINA E LIZZANA BANCA DI CREDITO
▪ CASSA RURALE ALTOGARDA - ROVERETO BANCA DI CREDITO COOPERATIVO
COOPERATIVO
▪ CASSA RURALE DI LEDRO BANCA DI CREDITO COOPERATIVO
▪ LA CASSA RURALE – CREDITO COOPERATIVO ADAMELLO GIUDICARIE
▪ CASSA RURALE VALSUGANA E TESINO BANCA DI CREDITO COOPERATIVO VALSABBIA PAGANELLA
▪ CASSA RURALE ROTALIANA E GIOVO BANCA DI CREDITO COOPERATIVO
▪ CASSA RURALE DOLOMITI BANCA DI CREDITO COOPERATIVO
▪ CASSA RURALE VAL DI SOLE BANCA DI CREDITO COOPERATIVO
▪ CASSA RURALE ALTA VALSUGANA BANCA DI CREDITO COOPERATIVO
▪ CASSA RURALE VAL DI FIEMME
▪ RAIFFEISEN DI RENON
▪ CASSA RURALE NOVELLA E ALTA ANAUNIA BANCA DI CREDITO COOPERATIVO
▪ RAIFFEISEN DI SAN MARTINO IN PASSIRIA
▪ CASSA RURALE VAL DI NON BANCA DI CREDITO COOPERATIVO
Company Profile 21CLASSIFICAZIONE: PUBBLICO
THE AFFILIATED BANKS 5/5
Umbria
▪ BANCA DI CREDITO COOPERATIVO DELL’UMBRIA E DEL VELINO
Valle d'Aosta
▪ BCC VALDOSTANA
Veneto
▪ CORTINABANCA
▪ BANCA DEL VENETO CENTRALE CREDITO COOPERATIVO
▪ BVR BANCA – BANCHE VENETE RIUNITE
▪ BANCA PREALPI SANBIAGIO CREDITO COOPERATIVO
▪ BANCADRIA COLLI EUGANEI CREDITO COOPERATIVO
Company Profile 22CLASSIFICAZIONE: PUBBLICO KEY DATA Company Profile 23
CLASSIFICAZIONE: PUBBLICO
KEY DATA
As at 31 December 2020
ECONOMIC LOCAL
FINANCIAL SOLIDITY SUSTAINABILITY RELATIONSHIPS
• In 2020, Gruppo Cassa Centrale
maintained its focus on helping and
supporting the economies of the local
communities in which it operates
21.5% € 657 mln € 43.6 bn • As a result, lending to customers
CET1 Ratio Net commissions Net loans increased by € 2.4 bn vs YE 2019 and
approx. 120k credit moratoria worth €
14 bn were granted on top of the € 3.5
bn in Guaranteed Loans
• A solid effort was done to reduce NPL
exposure, which is down to 6.8% as of
Dec. 2020 (9.3% in 2019) while
increasing the coverage level, which is
64% € 245 mln € 60.4 bn now 64% for the overall NPL portfolio
Coverage Ratio Net income Direct funding
Company Profile 24CLASSIFICAZIONE: PUBBLICO
CLASSIFICAZIONE: PUBBLICO
Cooperativi
per natura
Cooperative Sustainable Responsible
by nature from inception by vocation
Company Profile 26CLASSIFICAZIONE: PUBBLICO
COOPERATIVE
BY NATURE
Heirs to a history that has been a factor in the development
of communities for over 100 years, we believe that it is
possible to operate in a spirit of collaboration and solidarity,
combining efficiency and cooperation, reciprocity and
profitability, coordination and autonomy. Our status as a
Cooperative Banking Group specifically reflects the principles
of mutual credit co-operation and reinforces their
implementation in our daily operations.
Company Profile 27CLASSIFICAZIONE: PUBBLICO
SUSTAINABLE
FROM INCEPTION
We are a network of Banks formed by people who work for their
Community.
Like those same people, our aim is to create wealth that we can
pass on to the next generation. A goal that can only be achieved
as part of a sustainable way of operating.
Company Profile 28CLASSIFICAZIONE: PUBBLICO
RESPONSIBLE
BY VOCATION
We have always lived in the Communities and Local Areas in
which we operate, alongside the people who live there.
We pursue the growth and well-being of our Communities through
a sustainable way of operating and common values to be passed
on to future generations.
Company Profile 29CLASSIFICAZIONE: PUBBLICO
SUSTAINABILITY IN FIGURES
FOR THE COMMUNITIES
The affiliate Banks reinvest at least 70% of their profits into
indivisible reserves, boosting their capitalisation—which allows
financing growth and the real economy. They allocate 3% of their
earnings to Mutual Funds to promote and develop Cooperation.
€ 7.4 mln € 54 mln € 26.3 mln
to Mutual Funds in direct taxes paid in sponsorships,
charity, donations
Data as of 31 December 2020
Company Profile 30CLASSIFICAZIONE: PUBBLICO
SUSTAINABILITY IN FIGURES
FOR THE ENVIRONMENT
We take all steps necessary to reduce our impact, and we are
committed to raising awareness among all stakeholders by
promoting eco-compatible actions and practices.
Over €1 billion invested in NEF Ethical, one of 34
funds in the world to have obtained the ESG
(environmental, social, and governance)
certification from the Luxembourg Finance
Labelling Agency.
Over
75%
-27% of electricity 57% Over 1.6 million Customers use the Inbank virtual
banking platform, receiving their bank documents
reduction in CO2 generated from of paper used is FSC only in digital format: in 2020, the service avoided
emissions in 2020 renewable sources certified printing out over 79 million sheets of paper and
emitting over 3,000 tonnes of CO2.
Data as of 31 December 2020
Company Profile 31CLASSIFICAZIONE: PUBBLICO
FOR SUSTAINABLE DEVELOPMENT
Some of the business objectives and purposes set out in the Articles of Association of the affiliate Banks
and the Parent are directly associated with the 2030 Agenda's Sustainable Development Goals.
The Group acknowledges the importance of operating in accordance with the principles of lawfulness,
morality, professionalism, integrity, and transparency, consistently with our business goals.
This is why Cassa Centrale Banca and the Group's Banks have adopted the first sustainability policies.
• Anti-corruption policy
• Environmental policy
• Human rights policy
• Diversity policy
• Arms brokering policy
The principles of the Global Compact and the Sustainable Development Goals are explicitly referenced
in the Group's Code of Ethics, along with the Charter of Values of Cooperative Banks.
Company Profile 32CLASSIFICAZIONE: PUBBLICO
THE STRUCTURE
Between autonomy and central coordination
Company Profile 33CLASSIFICAZIONE: PUBBLICO
Structure between autonomy and central coordination
THE MODEL
As a system of local, autonomous, cooperative banks
organised into a modern Banking Group, we have adopted
a structure that can optimise the contribution made by all,
within a central coordination system.
Competitive advantages
It is a unique, original model that self-
feeds and creates shared well-being.
Features
Company Profile 34CLASSIFICAZIONE: PUBBLICO
GROUP ORGANISATION
71 COOPERATIVE CREDIT PARENT COMPANY SUBSIDIARIES
BANKS
These control the majority of Group guidance, Services to local banks
the capital of the management and
Cooperative Banking Group coordination
Company Profile 35CLASSIFICAZIONE: PUBBLICO
THE PARENT COMPANY
For longer than 40 years, Cassa Centrale Banca has enjoyed a
status as reference partner of a cooperative banking system,
sharing values, culture, strategies and reference model.
It has always operated as a level-two bank, offering support and
drive to the work of cooperative credit banks (BCCs) and rural
banks (Casse Rurali), its partners and customers, with an offer that
has always stood out for the reliability and innovation of its
products and services, flanked by highly specialised consultancy.
In 2019, it became the parent company of the first Italian
Cooperative Banking Group, also guiding, controlling and
coordinating the Group.
Company Profile 36CLASSIFICAZIONE: PUBBLICO
THE OFFER:
AN ANSWER
TO EVERY NEED
Our offer is focussed both on the banking sector, through the services of Cassa
Centrale Banca and of the instrumental companies, and on the private sector,
through the local Banks
Company Profile 37CLASSIFICAZIONE: PUBBLICO
THE OFFER FOR THE BANKING
SECTOR
Group Banks and other local Banks
Through Cassa Centrale Banca, or by using the services offered by
the instrumental companies, the Group boasts an offer that has
always stood out for the reliability and innovation of its products
and services, flanked by highly-specialised consultancy.
▪ Credits
▪ Finance
▪ Payments
▪ Planning
Company Profile 38CLASSIFICAZIONE: PUBBLICO
THE OFFER FOR THE PRIVATE SECTOR
Individuals, families and businesses
Through its local banks, the Group can successfully meet all the
typical needs expressed by people and the world of business.
▪ Current accounts ▪ Internet and mobile
banking
▪ Credit and debit cards
▪ Risk management
▪ Credit
▪ Investment banking
▪ Leasing & Factoring
▪ International
▪ Investments, insurance
and welfare ▪ Other
▪ Collection and payment
instruments
Company Profile 39CLASSIFICAZIONE: PUBBLICO
THE GROUP
INSTRUMENTAL
COMPANIES
Company Profile 40CLASSIFICAZIONE: PUBBLICO
SOCIETÀ CONTROLLATE
Centrale Credit Solutions assists the banks in Centrale Soluzioni Immobiliari manages the Claris Leasing offers lease transactions on
offering consultancy to businesses in Group’s instrumental real estate activities, instrumental assets, real estate and boats.
extraordinary business finance, operating as aiming to defend the real value of properties
advisors and coordinating the banks involved guaranteeing the non-performing loans
in the sales process. disbursed by the Cassa Centrale Banca
Group, in particular through intervening in
enforcement procedures (or “auctions”).
Claris Rent (a wholly-owned subsidiary of This company, which was established on 1st Assicura Agenzia and Assicura Broker supplie
Claris Leasing) is a company that provides January 2020 from the union of 8 operating insurance products and brokering services to
long-term rental services for the mobility and companies involved in IT and administrative the distributing banks.
operating lease of capital goods. services, is specialised in IT and back-office
outsourcing activities for the banking industry.
Company Profile 41CLASSIFICAZIONE: PUBBLICO
SOCIETÀ CONTROLLATE
Centrale Trading provides technical NEAM S.A (Nord Est Asset Management S.A) is Centrale Casa is a property intermediation
assistance to cooperative credit banks the company that manages NEF, a multi- agency that operates in the purchase and
distributing Directa SIM on-line trading manager, multi-segment Luxembourgian sale of properties and in property
services. mutual investment fund. consultancy.
Prestipay meets the financial needs of families
and customers of the Cooperative Credit
Banks, Rural Banks and Raiffeisen belonging
to the Cassa Centrale Group.
Company Profile 42CLASSIFICAZIONE: PUBBLICO
SOCIETÀ COLLEGATE
Casse Rurali Raiffeisen Finanziaria SPA
Casse Rurali Raiffeisen Finanziaria Spa manages its own equity investments in companies that carry out banking activities, in order to enhance the
investee companies.
Servizi e Finanza FVG
Servizi e Finanza FVG develops suitable solutions for the marketing and creation of highly technological, innovative services for the management of
payment systems and tools, also on behalf of third parties including but not limited to brokers.
Company Profile 43CLASSIFICAZIONE: PUBBLICO
Registered office and General Management
Via Segantini, 5 - 38122 Trento
Tel. 0461.313 111
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