Credito Emiliano S.p.A. is an Italian commercial bank headquartered in Reggio Emilia, founded in 1910 as Banca Agricola Commerciale di Reggio Emilia. It operates as a subsidiary of Credito Emiliano Holding S.p.A. and provides a comprehensive range of financial services through its subsidiaries, including retail and corporate banking, wealth management, private banking, and financial consultancy. Key offerings encompass current accounts, mortgages, personal loans, finance leasing for vehicles, real estate, and shipping, as well as factoring services for trade receivables management. The bank also manages investment funds, portfolio services, life and non-life insurance, and telematic banking solutions. Notably, it uniquely accepts Parmigiano Reggiano cheese wheels as loan collateral, stored in climate-controlled warehouses, reflecting its deep ties to the Emilia-Romagna region's agricultural heritage. With a network spanning 19 Italian regions, Credito Emiliano S.p.A. serves over a million clients, emphasizing digital innovation through initiatives like the 2013 transformation and the 2023 'AI Next' project. Recognized for capital strength by the ECB, it maintains high asset quality and diversified operations across banking, leasing, factoring, and asset management sectors.