Q: What is Banca di Ancona e Falconara Marittima?

Banca di Ancona e Falconara Marittima is a cooperative credit bank (Banca di Credito Cooperativo) operating in the Marche region of Italy. As a member of the Italian BCC network and the Iccrea Banking Group, it serves its local community in Ancona and surrounding municipalities. The bank operates with approximately 13 branches and manages total assets of approximately €515 million as of 2023, serving as a local, mutual, not-for-profit organization. The bank is supervised by the European Central Bank (ECB) and participates in Italy's deposit guarantee scheme (Fondo di Garanzia dei Depositanti del Credito Cooperativo), protecting deposits up to €100,000 per depositor.

Question 1

What is Banca di Ancona e Falconara Marittima?

Accepted Answer

Banca di Ancona e Falconara Marittima is a cooperative credit bank (Banca di Credito Cooperativo) operating in the Marche region of Italy. As a member of the Italian BCC network and the Iccrea Banking Group, it serves its local community in Ancona and surrounding municipalities. The bank operates with approximately 13 branches and manages total assets of approximately €515 million as of 2023, serving as a local, mutual, not-for-profit organization.

The bank is supervised by the European Central Bank (ECB) and participates in Italy's deposit guarantee scheme (Fondo di Garanzia dei Depositanti del Credito Cooperativo), protecting deposits up to €100,000 per depositor.

The bank is supervised by the European Central Bank (ECB) and participates in Italy's deposit guarantee scheme (Fondo di Garanzia dei Depositanti del Credito Cooperativo), protecting deposits up to €100,000 per depositor.

Question 2

When was Banca di Ancona e Falconara Marittima founded?

Accepted Answer

The bank's origins trace back to the early 20th century Italian cooperative movement. The Cassa Rurale ed Artigiana (CRA) of Castelferretti was founded in 1911, while the CRA of Falconara Marittima was established in 1912. These two rural credit cooperatives merged in 1985 to form a single entity.

The modern bank was created through a 2018 merger, when the Banca di Ancona Credito Cooperativo was incorporated into the BCC di Falconara Marittima, forming the current Banca di Ancona e Falconara Marittima Credito Cooperativo. This consolidation aligned with the broader rationalization of Italy's cooperative credit movement.

The bank's history reflects the evolution of Italian cooperative banking, which began in 1883 with the first rural credit cooperative in Loreggia, Padova, inspired by the social doctrine of Pope Leo XIII's 1891 encyclical Rerum Novarum.

Question 3

Where is Banca di Ancona e Falconara Marittima headquartered?

Accepted Answer

The bank's headquarters is located at Via dell'Agricoltura, 1 in Ancona, the capital city of the Marche region in central Italy. Ancona is a significant port city on the Adriatic Sea.

Question 4

Where does Banca di Ancona e Falconara Marittima operate?

Accepted Answer

The bank operates primarily in the Province of Ancona within the Marche region. Its 13 branches serve communities including Ancona, Falconara Marittima, Castelferretti, Chiaravalle, Camerano, Osimo, and surrounding municipalities. The bank maintains a strong territorial focus, consistent with the Italian BCC model of serving local communities and residents.

The bank reopened its Castelferretti branch in July 2025 following renovations, demonstrating its continued commitment to physical branch presence in its service area.

Question 5

What services does Banca di Ancona e Falconara Marittima offer?

Accepted Answer

The bank provides comprehensive banking services to members and clients:

Retail Banking: Current accounts, savings accounts, term deposits, and the "Spazio Soci" membership portal for cooperative members.

Lending Services: Mortgage loans (up to 80% loan-to-value with 30-year terms), personal loans through the "Crediper" product line (including Crediper Premium for up to €30,000), business financing, and agricultural credit.

Payment Services: Debit cards (CartaBCC Debit Visa, CartaBCC Debit Mastercard), credit cards (CartaBCC Classic, CartaBCC Minerva), business cards (CartaBCC Debit Business), and mobile payment solutions (MPAY).

Digital Banking: Online banking platform, mobile banking services, electronic document management, digital signature services, and card blocking services available 24/7.

Investment and Insurance: Wealth management services, insurance products (including accident insurance "Polizza Infortuni Protetti"), and insurance intermediation (registered with IVASS under number D000026936).

Additional Services: Money transfers, mobile phone recharges, instant SEPA transfers (SEPA Instant), and PEC (certified email) services.

Question 6

What makes Banca di Ancona e Falconara Marittima unique?

Accepted Answer

As a cooperative credit bank, Banca di Ancona e Falconara Marittima operates on principles fundamentally different from commercial banks. Members are both owners and customers, with voting rights based on a "one person, one vote" principle rather than capital ownership. Net profits are reinvested in the community through reserves (63%) and mutual cooperation funds (3%), totaling 66% mandatory allocation.

The bank demonstrated exceptional community commitment during regional emergencies, implementing extraordinary support measures during the September 2024 flooding in the Marche region, including mortgage payment suspensions for affected residents.

With a loans-to-deposits ratio of 92.11% (2023), the bank exemplifies local financial intermediation, converting local savings directly into credit for the regional economy. This contrasts sharply with larger banks that often deploy deposits outside their collection territories.

The bank maintains strong financial stability despite its local focus, with a 0.45% return on assets and solid capital adequacy. It operates within the protection of the Iccrea Banking Group while preserving autonomous governance and territorial identity.

Question 7

What type of financial institution is Banca di Ancona e Falconara Marittima?

Accepted Answer

Banca di Ancona e Falconara Marittima is a Banca di Credito Cooperativo (BCC) – a cooperative credit institution under Italian law. This classification represents a specific category of credit institutions (CRDCREINS) recognized by the European Banking Authority.

In the Italian banking system, BCCs are mutual banks organized as cooperative societies (società cooperative) governed by the principles of mutuality, democracy, and territorial focus. They are regulated by the Testo Unico Bancario (TUB) and must serve members and residents within their defined operational territory.

The bank is enrolled in the Albo delle Banche (Banking Register) with code 4957.70 and in the Albo delle Società Cooperative (Cooperative Societies Register) with number A161877. It operates under the direction and coordination of Iccrea Banca S.p.A., the parent company of the Iccrea Banking Group, while maintaining its cooperative governance structure and local decision-making autonomy.

Banca di Ancona e Falconara Marittima

in Italy 🇮🇹

Crypto-Friendliness

All done!

About Banca di Ancona e Falconara Marittima in Italy