Question 1

What is Raiffeisenbank Donau-Ameisberg?

Accepted Answer

Raiffeisenbank Donau-Ameisberg is a regional cooperative bank operating in Upper Austria (Oberösterreich). It provides comprehensive retail and business banking services to individuals, professionals, and small to medium-sized enterprises in the Donau-Ameisberg region of the Mühlviertel area.

As a member of the Raiffeisen Banking Group, Austria's second-largest banking group, the bank combines local expertise with access to nationwide financial resources. With total assets of approximately €491 million as of 2023, it represents a substantial regional institution deeply committed to its local communities.

Question 2

When was Raiffeisenbank Donau-Ameisberg founded?

Accepted Answer

Raiffeisenbank Donau-Ameisberg was founded in 1889, making it one of the earliest cooperative banks established in Upper Austria with over 135 years of continuous service. The bank was created during the rapid expansion of cooperative banking across Austria following the Raiffeisen principles.

Founded to serve the agricultural communities and small businesses along the Danube River and in the Ameisberg region, the bank provided accessible financial services that larger urban banks did not offer to rural communities. The institution received its authorization from Austrian financial authorities on November 19, 2014, as recorded in the EBA register, representing a regulatory milestone in its long history.

Question 3

Where is Raiffeisenbank Donau-Ameisberg headquartered?

Accepted Answer

Raiffeisenbank Donau-Ameisberg is headquartered in Sarleinsbach, Upper Austria, in the Rohrbach district. The main office is located at Marktplatz 10, 4152 Sarleinsbach.

Question 4

Where does Raiffeisenbank Donau-Ameisberg operate?

Accepted Answer

Raiffeisenbank Donau-Ameisberg operates in the Mühlviertel region of Upper Austria, specifically serving Sarleinsbach and surrounding communities in the northern part of the state near the Czech border. The service area includes portions of the Danube Valley and the Ameisberg highland.

The bank serves communities in the Rohrbach district, an area characterized by rolling hills, agricultural lands, and small industrial enterprises. The region is part of the broader Mühlviertel, known for its granite formations, forests, and traditional farming.

Question 5

What services does Raiffeisenbank Donau-Ameisberg offer?

Accepted Answer

Raiffeisenbank Donau-Ameisberg offers a comprehensive range of retail and business banking services, including:

Personal Banking: Current accounts, savings accounts, time deposits, debit cards, credit cards, consumer loans, car loans, and mortgage loans tailored to individual and family needs.

Business Banking: Business accounts, business payment cards, business loans, and specialized financial services for SMEs, agricultural operations, and entrepreneurs. The bank has particular expertise in serving the region's farming community and small manufacturers.

Digital Services: Online banking platforms and mobile banking applications providing 24/7 access to account management, transfers, and banking services. The bank embraces modern banking technology while maintaining its commitment to personal service.

Additional Services: Investment products through the Raiffeisen network, insurance solutions, pension planning, wealth management, and trading accounts for customers seeking portfolio diversification.

Question 6

What makes Raiffeisenbank Donau-Ameisberg unique?

Accepted Answer

Raiffeisenbank Donau-Ameisberg distinguishes itself through its long heritage and strong community roots spanning over 135 years. With total assets approaching €500 million, the bank ranks among the more substantial regional institutions in Upper Austria, providing significant financial capacity while maintaining local focus.

In 2023, the bank maintained a 0.06% return on assets and a healthy loan-to-deposit ratio of 101.65%, demonstrating prudent management and financial stability. The bank successfully navigated a challenging year with declining total assets (-2.30%) while maintaining profitability and strong customer relationships.

As a cooperative owned by its members, the bank operates under democratic principles where local customers have a voice in governance. This structure ensures the institution remains focused on serving community needs rather than external shareholder demands.

The bank participates in Austria's deposit guarantee scheme (Einlagensicherung AUSTRIA), providing deposit protection up to €100,000 per customer.

Question 7

What type of financial institution is Raiffeisenbank Donau-Ameisberg?

Accepted Answer

Raiffeisenbank Donau-Ameisberg is a Genossenschaft (cooperative credit institution), specifically an "eingetragene Genossenschaft" (eGen), which is the standard legal form for member-owned financial cooperatives in Austria.

As a cooperative, the bank is owned by its members who elect representatives to oversee management and strategic direction. This structure emphasizes local ownership, democratic control, and the cooperative principle of mutual self-help established by Friedrich Wilhelm Raiffeisen in the 19th century. The Genossenschaft model has proven highly successful in Austria, where Raiffeisen banks collectively form one of the nation's largest and most stable banking groups.

Raiffeisenbank Donau-Ameisberg

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About Raiffeisenbank Donau-Ameisberg in Austria

Raiffe­isenba­nk Donau-­Ameisb­erg