BANCA DELLA NUOVA TERRA S.P.A. products, services and reviews

About BANCA DELLA NUOVA TERRA S.P.A.

Banca della Nuova Terra S.p.A. is an Italian joint‑stock bank operating under the Italian Consolidated Banking Act and EU banking rules (CRR/CRD), subject to prudential supervision by the Bank of Italy within the Single Supervisory Mechanism alongside the European Central Bank. Deposits are covered up to EUR 100,000 per depositor by the Italian deposit guarantee scheme (Fondo Interbancario di Tutela dei Depositi), and payment services are governed by PSD2 requirements, including strong customer authentication for online access and transactions. Product availability and eligibility should be verified against the bank’s official schedule of conditions and regulatory disclosures; items to check include fees for current accounts, domestic and cross‑border SEPA transfers, ATM withdrawals, card issuance and maintenance, overdraft and credit line pricing, early repayment costs on loans, and the application of Italian stamp duty on account balances. For risk assessment, the bank’s Pillar 3 report and annual financial statements provide core metrics such as CET1 and total capital ratios, leverage ratio, liquidity coverage and net stable funding ratios, gross and net non‑performing loan ratios with coverage levels, asset quality disclosures, and audit opinions. Governance information (board composition, related‑party policies, remuneration disclosure), complaint‑handling procedures under Bank of Italy rules, participation in the Arbitro Bancario Finanziario, operational resilience arrangements, and the status of online and mobile banking channels are relevant when comparing it to peers, particularly for customers weighing regional footprint, service accessibility, and transparency of pricing and disclosures.