Question 1

What is Raiffeisenbank Landshuter Land?

Accepted Answer

Raiffeisenbank Landshuter Land is a cooperative bank (Genossenschaftsbank) headquartered in Ergolding, Bavaria, Germany. The bank was formed in 2022 through the merger of three regional cooperative banks. As of 2024, it manages total assets of approximately 2.0 billion EUR, making it the 489th largest bank in Germany with a market share of 0.02%.

The bank operates as a member-owned financial institution, part of the Genossenschaftliche Finanzgruppe Volksbanken Raiffeisenbanken, Germany's cooperative banking network. It focuses on serving retail customers, small and medium-sized enterprises (SMEs), and supporting the local economy in the Landshut region.

Question 2

When was Raiffeisenbank Landshuter Land founded?

Accepted Answer

Raiffeisenbank Landshuter Land was established in 2022 through the merger of three cooperative banks: Raiffeisenbank Pfeffenhausen-Rottenburg-Wildenberg eG, Raiffeisenbank Essenbach eG, and Raiffeisenbank Altdorf-Ergolding eG. However, the bank's roots trace back much further.

The oldest predecessor institution, Darlehenskassenverein Altdorf bei Landshut, was founded on December 21, 1910, when 22 individuals gathered at Gasthaus Huber in Altdorf under the initiative of Pfarrer Valentin Clemente. Inspired by Friedrich Wilhelm Raiffeisen's cooperative principles, the founders aimed to strengthen rural economic development through accepting savings deposits and providing affordable loans. The institution was officially registered on January 9, 1911.

Throughout the following decades, multiple local cooperative banks were established in the region between 1894 and 1925, including institutions in Attenhausen (1894), Ergolding (1925), and Bruckberg (1925). These cooperatives gradually merged over more than a century, culminating in the 2022 formation of Raiffeisenbank Landshuter Land eG.

Question 3

Where is Raiffeisenbank Landshuter Land headquartered?

Accepted Answer

Raiffeisenbank Landshuter Land is headquartered in Ergolding, Bavaria, Germany. The main office is located at Lindenstraße in Ergolding.

Question 4

Where does Raiffeisenbank Landshuter Land operate?

Accepted Answer

Raiffeisenbank Landshuter Land operates throughout the Landshut region in Lower Bavaria (Niederbayern). The bank's service area encompasses the city of Landshut and surrounding municipalities including Altdorf, Bruckberg, Ergolding, Furth, Essenbach, Pfeffenhausen, Rottenburg, and Wildenberg.

The bank maintains multiple branch locations throughout this region to serve its local customer base. As of its formation, the merged institution operates numerous branches inherited from its three predecessor banks, providing comprehensive coverage across the Landkreis Landshut (Landshut district).

Question 5

What services does Raiffeisenbank Landshuter Land offer?

Accepted Answer

Raiffeisenbank Landshuter Land provides comprehensive banking services for retail and business customers, including:

Retail Banking: Current accounts (Girokonto), savings accounts, time deposit accounts (Festgeld), pension plans, and debit and credit cards from Mastercard.

Lending Products: Consumer loans, car loans, mortgage loans, and easyCredit instant loans for personal financing needs.

Business Banking: Business checking accounts (Geschäftskonto), investment financing loans for machinery and commercial real estate, corporate succession planning services, and employee benefits including occupational pension plans (Direktversicherung).

Investment Services: Investment funds through Union Investment, building society savings contracts through Bausparkasse Schwäbisch Hall, online brokerage services for stock trading, and insurance products through R+V Versicherung.

Digital Services: VR Banking App for mobile banking (available for both personal and business use), online banking platform, recipient verification for secure transfers, and online appointment scheduling. The bank also provides ATM services throughout its operating region.

Question 6

What makes Raiffeisenbank Landshuter Land unique?

Accepted Answer

Raiffeisenbank Landshuter Land distinguishes itself through several key characteristics:

Cooperative Ownership Model: As a Genossenschaft (cooperative), the bank is owned by its members who can participate in decision-making processes. The bank's motto is "Meine Bank gehört mir" (My bank belongs to me), emphasizing member ownership and democratic governance.

Strong Regional Commitment: The bank demonstrates significant community engagement, donating 148,701 EUR in 2023 to support cultural, sporting, and social organizations, schools, and kindergartens in its operating region. This reflects its dedication to strengthening the local community beyond financial services.

Institutional Safety Network: The bank participates in the BVR Institutssicherung GmbH (BVR deposit guarantee scheme), providing deposit protection and has earned an AA- credit rating from Fitch, indicating very high credit quality. Member institutions of the cooperative banking network benefit from collective stability mechanisms.

Environmental Initiative: The bank has invested in sustainability infrastructure, including the inauguration of 17 new electric vehicle charging stations, demonstrating its commitment to ecological responsibility alongside economic success.

Historical Legacy: With roots dating back to 1910, the bank carries forward over a century of cooperative banking tradition inspired by Friedrich Wilhelm Raiffeisen's principles of self-help, self-responsibility, and self-governance.

Question 7

What type of financial institution is Raiffeisenbank Landshuter Land?

Accepted Answer

Raiffeisenbank Landshuter Land is a Genossenschaftsbank (cooperative bank), the German term for member-owned credit institutions operating under cooperative principles.

As a cooperative bank, it functions as an eingetragene Genossenschaft (eG), a registered cooperative with limited liability. This institutional type is common in Germany's rural and regional banking sector, where Raiffeisenbanken focus on serving local communities and small to medium-sized enterprises.

The bank is part of the Genossenschaftliche Finanzgruppe Volksbanken Raiffeisenbanken, Germany's cooperative banking network, which includes shared service providers such as DZ Bank (serving as the central bank), Bausparkasse Schwäbisch Hall (building society), Union Investment (investment funds), and R+V Versicherung (insurance). This network structure allows cooperative banks to offer comprehensive financial services while maintaining local independence.

Under German banking regulation, it is classified as a CRD_CRE_INS (credit institution) and is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), Germany's Federal Financial Supervisory Authority. The bank is also regulated under the European Banking Authority framework as part of Germany's banking system.

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About Raiffeisenbank Landshuter Land in Germany

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