Question 1

What is Raiffeisenbank Bad Kötzting?

Accepted Answer

Raiffeisenbank Bad Kötzting is a regional cooperative bank (Genossenschaftsbank) serving Bad Kötzting and surrounding communities in the southeastern Cham district of Bavaria, Germany. With approximately 244 million euros in total assets, the bank provides universal banking services to individuals, businesses, and agricultural enterprises. As a member-owned institution, it emphasizes local economic development and personal customer relationships.

Question 2

When was Raiffeisenbank Bad Kötzting founded?

Accepted Answer

The bank was founded in 1895 as Raiffeisenbank Kötzting eGmbH in Kötzting (now Bad Kötzting). The institution evolved through several mergers of neighboring credit cooperatives.

In 1965, the bank merged with four local cooperatives: Raiffeisenkasse Grafenwiesen eGmbH (Grafenwiesen), Raiffeisenkasse Miltach eGmbH (Miltach), Raiffeisenkasse Rimbach eGmbH (Rimbach), and Raiffeisenkasse Zandt eGmbH (Zandt). The final consolidation occurred in 1967 when Raiffeisenkasse Harrling eGmbH (now part of Zandt) joined the bank.

These mergers created a stronger regional institution capable of serving a broader geographic area while maintaining the cooperative focus on local communities.

Question 3

Where is Raiffeisenbank Bad Kötzting headquartered?

Accepted Answer

The bank is headquartered in Bad Kötzting, Bavaria, at Marktstrasse 31, 93444 Bad Kötzting, in the Cham district of the Upper Palatinate region.

Question 4

Where does Raiffeisenbank Bad Kötzting operate?

Accepted Answer

Raiffeisenbank Bad Kötzting operates in the southeastern part of the Cham district in Bavaria. The bank maintains a comprehensive network of six locations:
• Bad Kötzting (main office and legal seat)
• Blaibach (branch office)
• Grafenwiesen (branch office)
• Miltach (branch office)
• Rimbach (branch office)
• Zandt (branch office)

This multi-branch structure reflects the bank's origins in serving multiple rural communities and ensures accessibility for customers throughout the region.

Question 5

What services does Raiffeisenbank Bad Kötzting offer?

Accepted Answer

As a universal bank (Universalbank), Raiffeisenbank Bad Kötzting offers comprehensive retail banking, business banking, and insurance services. Core products include current accounts, debit and credit cards, savings accounts, time deposit accounts, pension plans, consumer loans, car loans, mortgage loans, and trading accounts.

The bank serves natural persons, small and medium-sized enterprises (SMEs), and companies. Through the cooperative banking network (Verbundgeschäft), it partners with specialized institutions including DZ Bank, R+V Versicherung, Bausparkasse Schwäbisch Hall, Teambank, VR Leasing, DZ Hyp, and Union Investment.

Services are available through six branch locations across the region, complemented by online banking platforms, mobile applications, and call center support. Branch locations offer full-service banking including ATMs, coin deposit machines, safe deposit boxes, and personal consultation.

Question 6

What makes Raiffeisenbank Bad Kötzting unique?

Accepted Answer

Raiffeisenbank Bad Kötzting demonstrates the classic evolution of German cooperative banking, having successfully integrated six formerly independent credit cooperatives into a unified regional institution while maintaining branch presence in each original community. This structure preserves local accessibility while providing the financial strength and service breadth of a larger bank.

The bank serves a predominantly rural and small-town region in the Bavarian Forest area, with particular expertise in agricultural financing and supporting tourism-related businesses. Its location in Bad Kötzting, a spa town and tourist destination, positions it well to serve both permanent residents and seasonal business needs.

The institution has received an AA- credit rating from Fitch (very high credit quality) with a stable outlook, demonstrating solid financial performance. Despite its regional focus, the bank achieved 4.27% asset growth in 2023, showing continued expansion.

Question 7

What type of financial institution is Raiffeisenbank Bad Kötzting?

Accepted Answer

Raiffeisenbank Bad Kötzting is a Genossenschaftsbank (cooperative bank), specifically an eingetragene Genossenschaft (registered cooperative) denoted by "eG." This legal structure means the bank is owned by its members, who are simultaneously customers and shareholders.

The institution operates within the German Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken), following the principles of self-help, self-management, and self-responsibility established by Friedrich Wilhelm Raiffeisen. The bank is registered with the Local Court (Amtsgericht) Regensburg under GnR 628 and is a member of the Genossenschaftsverband Bayern e.V. (Cooperative Association of Bavaria).

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