Question 1

What is Raiffeisenbank Haag-Gars?

Accepted Answer

Raiffeisenbank Haag-Gars (officially Raiffeisenbank Haag-Gars-Maitenbeth eG) is a regional cooperative bank serving multiple communities in southeastern Bavaria, Germany. As a member-owned Genossenschaftsbank within the Volksbanken Raiffeisenbanken network, it provides comprehensive banking services to individuals, businesses, and agricultural clients in the rural region between Mühldorf am Inn and the Bavarian-Austrian border.

With total assets of approximately EUR 473 million as of 2024, it is a substantial regional cooperative bank. The institution holds a Fitch long-term credit rating of AA-, reflecting very high credit quality and strong financial management.

Question 2

When was Raiffeisenbank Haag-Gars founded?

Accepted Answer

The bank's history traces back to February 26, 1899, when the Darlehenskassenverein Ramsau (Ramsau Loan Bank Association) was founded on the initiative of Expositus Max Fischer. This makes the institution over 125 years old.

The separate Darlehenskassenverein Gars was also founded in 1899 by Pfarrer August Nischwitz, serving the Gars am Inn community. Throughout the 20th century, these and other small village banks underwent numerous mergers to create larger, more resilient institutions.

Key consolidations included the 1965 formation of Raiffeisenbank Haag eGmbH from multiple local banks, the 1988 merger creating Raiffeisenbank Haag-Maitenbeth eG, and finally the 1997 merger that formed the current Raiffeisenbank Haag-Gars-Maitenbeth eG. This merger history reflects the broader trend of cooperative bank consolidation in Germany.

Question 3

Where is Raiffeisenbank Haag-Gars headquartered?

Accepted Answer

The bank is headquartered in Haag in Oberbayern (Haag i. OB), Bavaria, Germany. The main office is located at Hauptstraße 34 in Haag.

Question 4

Where does Raiffeisenbank Haag-Gars operate?

Accepted Answer

Raiffeisenbank Haag-Gars operates in southeastern Bavaria, specifically in the Landkreis Mühldorf am Inn region near the Austrian border. The bank maintains six branches:
• Haag i. OB (headquarters)
• Maitenbeth (branch)
• Gars am Inn (branch)
• Stadl (branch)
• Reichertsheim (branch)
• Oberornau (branch)

Additionally, the bank operates an ATM at the Dorfladen Ramsau. This network serves a predominantly rural, agricultural region of Upper Bavaria with strong historical ties to farming and traditional Bavarian village life.

Question 5

What services does Raiffeisenbank Haag-Gars offer?

Accepted Answer

The bank offers comprehensive universal banking (Universalbankgeschäft) services including:

Personal Banking: Current accounts (Girokonto), debit and credit cards from Mastercard, savings accounts, time deposits, pension plans, consumer loans, car loans, and mortgage financing.

Business Banking: Business accounts (Geschäftskonto), payment terminals (stationär and mobil), business credit cards (Firmenkreditkarte), and commercial lending solutions.

Real Estate Services: Construction financing (Baufinanzierung), mortgage lending, and comprehensive real estate advisory services.

Investment Services: Trading accounts, securities brokerage, investment funds through Union Investment, and wealth management.

Insurance Services: Comprehensive personal and business insurance through partnerships with Allianz Versicherung, R+V Versicherung, and other cooperative network partners.

Digital Banking: Full-featured online banking, VR Banking mobile app, and online appointment scheduling for branch consultations.

Specialized Services: The bank operates through Verbundgeschäft (cooperative network partnerships) with DZ Bank, Bausparkasse Schwäbisch Hall, Teambank, VR Leasing, DZ Hyp, Münchener Hypothekenbank, DZ Privatbank, and Union Investment.

Question 6

What makes Raiffeisenbank Haag-Gars unique?

Accepted Answer

Rich Historical Heritage: With roots dating back to 1899, the bank embodies over 125 years of community banking history, representing the consolidation of nearly a dozen small village banks that served individual communities throughout the region.

Extensive Rural Network: Maintaining six full-service branches plus ATM locations in a rural region demonstrates the bank's commitment to accessibility and local presence, contrasting with larger banks that have withdrawn from rural areas.

Real Estate Subsidiary: In 2021, the bank founded RI Waldkraiburg GmbH, a real estate subsidiary for acquiring, selling, and managing properties, demonstrating strategic diversification and regional development involvement.

Long-Term Employee Commitment: The bank recently celebrated 205 years of combined service among long-term employees ("Gemeinsam 205 Jahre Erfahrung"), reflecting low turnover and deep institutional knowledge.

Certified Expertise: The bank employs certified Allianz insurance advisors who have completed specialized professional training, ensuring high-quality insurance consultation beyond basic product sales.

Agricultural Roots: Serving a predominantly agricultural region, the bank maintains specialized expertise in farm financing and understands the unique needs of agricultural operations in Upper Bavaria.

Question 7

What type of financial institution is Raiffeisenbank Haag-Gars?

Accepted Answer

Raiffeisenbank Haag-Gars is a Genossenschaftsbank (cooperative bank), legally organized as an eingetragene Genossenschaft (eG). This cooperative structure means members are co-owners with democratic voting rights in bank governance.

In Germany, cooperative banks form one of the three pillars of the banking system, characterized by democratic governance, local autonomy, and focus on member welfare rather than profit maximization for external shareholders.

The bank is registered in the cooperative register (Genossenschaftsregister) and is a member of the Genossenschaftsverband Bayern e.V. (Bavarian Cooperative Association). It is part of the DZ Bank cooperative central institution and participates in the BVR Institutssicherung GmbH institutional protection scheme, providing comprehensive deposit protection. The bank is regulated by BaFin (German Federal Financial Supervisory Authority) and the Deutsche Bundesbank.

Raiffeisenbank Haag-Gars

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About Raiffeisenbank Haag-Gars in Germany

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