Question 1

What is Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut?

Accepted Answer

Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut is a German cooperative bank (Genossenschaftsbank) with an integrated agricultural supply business (Warengeschäft). Headquartered in Eschlkam, Bavaria, the bank serves retail customers, businesses, and agricultural clients in the eastern Landkreis Cham, directly bordering the Czech Republic.

With total assets of approximately €244 million (2023), the bank ranks as the 1,029th largest bank in Germany and the 558th largest among cooperative banks. It is rated AA- by Fitch, reflecting very high credit quality. The institution combines traditional banking services with agricultural commerce, operating warehouse facilities and building supply centers.

Question 2

When was Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut founded?

Accepted Answer

The bank's origins trace back to February 3, 1895, when 24 founding members established the Darlehenskassenverein Neukirchen b.Hl.Blut eGmuH (Loan Association Neukirchen) in Neukirchen beim Heiligen Blut. The current institution resulted from a series of mergers consolidating local cooperative banks.

Key consolidation milestones:
• 1965: Raiffeisenkasse Eschlkam eGmbH merged with Raiffeisenkasse Warzenried eGmbH
• 1992: The independent credit institutions Raiffeisenbank Eschlkam eG and Raiffeisenbank Neukirchen b.Hl.Blut eG merged to form Raiffeisenbank Eschlkam-Neukirchen b.Hl.Blut eG
• 2004: Raiffeisenbank Lam eG and Raiffeisenbank Lohberg eG joined, creating the current entity with its present name

This consolidation process exemplifies the trend toward scale optimization among German cooperative banks while maintaining regional focus.

Question 3

Where is Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut headquartered?

Accepted Answer

The bank's legal seat and main office is located in Eschlkam, Bavaria, Germany. Eschlkam is situated in the eastern Landkreis Cham, in the Upper Palatinate (Oberpfalz) region of Bavaria.

Question 4

Where does Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut operate?

Accepted Answer

The bank operates in the eastern Landkreis Cham in Bavaria, directly along the German-Czech border. Its service area includes predominantly rural communities with strong agricultural and tourism sectors. The bank maintains a physical presence through six branch locations:
• Eschlkam – Main office and legal seat
• Hohenwarth – Branch office
• Lam – Branch office
• Lohberg – Branch office
• Neukirchen beim Heiligen Blut – Branch office
• Warzenried – Branch office

Additionally, the bank's agricultural supply division operates warehouse facilities with building supply centers in Eschlkam, Bad Kötzting, Furth im Wald, and Neukirchen b.Hl.Blut.

Question 5

What services does Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut offer?

Accepted Answer

Banking Services:

The bank provides universal banking services including current accounts, savings products, time deposits, pension plans, consumer loans, auto loans, mortgage financing, and investment accounts. Business banking services encompass commercial accounts, business lending, and cash management solutions.

Digital Banking: Online banking platform, mobile banking application, and telephone banking center provide 24/7 account access and transaction capabilities.

Investment and Insurance: Investment products through Union Investment, retirement planning, and comprehensive insurance solutions via R+V Versicherung.

Real Estate Finance: Mortgage lending through DZ Hyp and home savings products via Bausparkasse Schwäbisch Hall.

Agricultural Commerce:

The bank's Warengeschäft (agricultural supply business) operates four warehouse locations with building supply centers offering:
• Agricultural inputs and supplies
• Building materials
• Fuel and heating products (Brenn- und Treibstoffe)
• Tools and hardware
• Home and garden supplies
• Household goods

This dual business model uniquely positions the bank to serve both the financial and operational needs of rural and agricultural customers.

Question 6

What makes Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut unique?

Accepted Answer

Integrated Business Model: Unlike most cooperative banks, this institution operates both banking services and agricultural supply warehouses, providing comprehensive support to rural customers under one cooperative umbrella.

Border Region Expertise: Located directly on the German-Czech border, the bank possesses specialized knowledge of cross-border economic activity, tourism, and international payment services.

Strong Agricultural Focus: The bank maintains Friedrich Wilhelm Raiffeisen's original vision of supporting rural communities, offering specialized agricultural financing and physical agricultural supply operations.

Enhanced Deposit Protection: Customers benefit from dual protection through BVR Institutssicherung GmbH (statutory scheme) and the voluntary Sicherungseinrichtung of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V., exceeding the €100,000 statutory minimum.

Tourism Sector Specialization: The service area includes popular tourist destinations (Lam, Lohberg, Neukirchen), providing the bank with expertise in hospitality and tourism business financing.

Long Operating History: With roots dating to 1895, the bank has over 125 years of experience serving the region through multiple economic cycles.

Question 7

What type of financial institution is Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut?

Accepted Answer

Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut is classified as a Genossenschaftsbank (cooperative bank) and Kreditinstitut (credit institution) under German banking law. This dual classification reflects both its legal structure as a member-owned cooperative and its regulatory status as a licensed credit institution.

The bank is organized as an eingetragene Genossenschaft (eG), registered in the Genossenschaftsregister at Amtsgericht Regensburg under GnR 631. It operates under the Genossenschaftsgesetz (German Cooperative Act) and banking regulations enforced by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).

As a member of the DZ Bank cooperative banking network (the Volksbanken Raiffeisenbanken group), it represents the traditional German cooperative banking model emphasizing member ownership, democratic governance, regional focus, and comprehensive financial services. The bank is also a member of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR), Germany's national association for cooperative banks.

Question 8

What is the bank's connection to the Raiffeisen heritage?

Accepted Answer

The bank embodies the principles established by Friedrich Wilhelm Raiffeisen (1818-1888), who founded the cooperative banking movement to combat rural poverty and usurious lending practices in 19th-century Germany. Raiffeisen's philosophy centered on "What one cannot achieve alone, many can achieve together" (Was einer alleine nicht schafft, das schaffen viele).

The bank's operation of agricultural supply warehouses directly reflects Raiffeisen's original model, which combined credit cooperatives with purchasing cooperatives to provide farmers with both financing and fair-priced supplies. This holistic approach to rural economic development distinguishes traditional Raiffeisen institutions from other cooperative banks that focus solely on financial services.

Today, the bank continues this tradition by serving agricultural, commercial, and retail customers in predominantly rural communities, maintaining the cooperative principle of member ownership and democratic governance (one member, one vote), and reinvesting profits to benefit members and the local community rather than external shareholders.

Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut

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About Raiffeisenbank Eschlkam-Lam-Lohberg-Neukirchen b. Hl. Blut in Germany

Raiffe­isenba­nk Eschlk­am-Lam­-Lohbe­rg-Neu­kirchen b. Hl. Blut