Question 1

What is VR-Bank Vilshofen-Pocking?

Accepted Answer

VR-Bank Vilshofen-Pocking is a German cooperative bank (Genossenschaftsbank) headquartered in Pocking, in the district of Passau in Bavaria. The bank was formed in 2023 through the merger of Rottaler Raiffeisenbank eG and Volksbank-Raiffeisenbank Vilshofen eG.

As a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it serves over 26,000 members across the Lower Bavaria region. With a balance sheet total of approximately €1.99 billion and 347 employees, VR-Bank Vilshofen-Pocking is a significant regional banking institution specializing in retail, commercial, and agricultural banking services.

Question 2

When was VR-Bank Vilshofen-Pocking founded?

Accepted Answer

VR-Bank Vilshofen-Pocking in its current form was founded in 2023 through the merger of two established cooperative banks. However, the bank's roots trace back to the late 19th century through its predecessor institutions.

The Raiffeisenkasse Windorf, a predecessor of the Raiffeisenbank Vilshofener Land, was founded on March 21, 1894, by 21 citizens with Pfarrer Zacher as the first accountant. In its first year, it reported a balance sheet of nearly 36,000 Marks. The bank relocated from Windorf to Vilshofen in 1965.

The Volksbank lineage began in 1904 when twenty men, including craftsmen, merchants, city parish cooperators, and a tax inspector, gathered at the "Zur goldenen Krone" inn in Vilshofen on December 16 to establish the "Kreditgenossenschaft Vilshofen." The bank underwent several name changes, becoming "Bank für Landwirtschaft und Gewerbe" in 1917 and finally "Volksbank Vilshofen eG" in 1973. In 2017, Volksbank Vilshofen eG merged with Raiffeisenbank Vilshofener Land eG to form Volksbank-Raiffeisenbank Vilshofen eG, which then merged with Rottaler Raiffeisenbank eG in 2023 to create the current VR-Bank Vilshofen-Pocking eG.

Question 3

Where is VR-Bank Vilshofen-Pocking headquartered?

Accepted Answer

VR-Bank Vilshofen-Pocking is headquartered in Pocking, Bavaria, Germany. Pocking is located in the district of Passau in Lower Bavaria (Niederbayern), near the Austrian border.

The bank also maintains a significant presence in Vilshofen an der Donau, where one of its predecessor institutions was historically based at Stadtplatz 12.

Question 4

Where does VR-Bank Vilshofen-Pocking operate?

Accepted Answer

VR-Bank Vilshofen-Pocking operates throughout the Lower Bavaria region of Germany, with a network of 19 full-service branches and 3 self-service locations. The bank's operational area spans three districts: Passau, Rottal-Inn, and Deggendorf.

The bank maintains branches in municipalities including Pocking (main office), Vilshofen an der Donau, Bad Füssing, Bad Griesbach, Bayerbach, Egglfing, Eging am See, Aidenbach, Aldersbach, Haarbach, Hofkirchen, Ortenburg, Osterhofen, Kirchham, Schöllnach, Alkofen, and Rathsmannsdorf. The institution operates 30 ATMs throughout its service area to ensure convenient access for customers.

Question 5

What services does VR-Bank Vilshofen-Pocking offer?

Accepted Answer

VR-Bank Vilshofen-Pocking offers comprehensive financial services for retail customers, businesses, and agricultural clients. Core retail banking services include various account models (girokontos), savings products, consumer loans, mortgages, and wealth management through Union Investment.

The bank provides business banking services including commercial accounts, payment processing, financing solutions up to €100,000, and business succession planning. Digital banking services include online banking, mobile banking apps, and online brokerage for securities trading.

Insurance products are offered through R+V Versicherung, and home financing solutions through partnerships with Bausparkasse Schwäbisch Hall, DZ Hyp, and Münchener Hyp. Additional services include safe deposit boxes, money transfer services (domestic and international), corporate pension schemes (betriebliche Altersvorsorge), and leasing through VR Smart Finanz. The bank also provides easyCredit instant loans and investment depot services.

Question 6

What makes VR-Bank Vilshofen-Pocking unique?

Accepted Answer

VR-Bank Vilshofen-Pocking distinguishes itself through its cooperative ownership model, where over 26,000 members have voting rights and share in the bank's success. The cooperative principle of "what one cannot achieve alone, many can achieve together" guides its operations, ensuring decisions prioritize member and community interests over shareholder profits.

The bank demonstrates strong regional commitment, donating €204,350 in 2024 to local organizations and initiatives. Its extensive branch network of 19 locations ensures personal, face-to-face banking in an era of bank branch consolidation.

As part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, members benefit from the institutional protection scheme (BVR-ISG), which provides deposit guarantees and institutional support. The cooperative governance structure includes elected representatives in the Vertreterversammlung (representative assembly), an Aufsichtsrat (supervisory board), and a management board (Vorstand), ensuring democratic oversight. The bank's heritage dating back to 1894 reflects over 130 years of serving the Lower Bavaria agricultural and commercial communities.

Question 7

What type of financial institution is VR-Bank Vilshofen-Pocking?

Accepted Answer

VR-Bank Vilshofen-Pocking is a Genossenschaftsbank (cooperative bank), operating as an eingetragene Genossenschaft (registered cooperative) under German cooperative law. This legal structure is governed by the Genossenschaftsgesetz (Cooperative Act) and the bank's own statutes as approved by its representative assembly.

In Germany, cooperative banks are member-owned financial institutions where customers are also owners, embodying the principles of self-help, self-management, and self-responsibility established by cooperative pioneers Friedrich Wilhelm Raiffeisen and Hermann Schulze-Delitzsch in the 19th century. The bank is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), Germany's federal financial supervisory authority.

As a credit institution (Kreditinstitut) under the EU Capital Requirements Directive, it is classified as a CRD credit institution. VR-Bank Vilshofen-Pocking is a member of the BVR (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken), the national association representing all German cooperative banks, and participates in the cooperative sector's institutional protection scheme, making it part of one of Germany's three major banking pillars alongside commercial banks and public savings banks (Sparkassen).

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