Question 1

What is Raiffeisenbank Hallein-Oberalm?

Accepted Answer

Raiffeisenbank Hallein-Oberalm is a regional cooperative bank serving the Tennengau region of Salzburg, Austria. As a member-owned institution within the Raiffeisen Banking Group Austria, it provides comprehensive banking, investment, and insurance services to individuals, businesses, and agricultural clients across multiple communities south of Salzburg city.

With total assets of approximately EUR 663 million as of 2023, it is a substantial regional cooperative bank. The institution maintains a strong presence in Hallein, Oberalm, and surrounding municipalities, emphasizing specialized advisory services through dedicated centers for real estate and investment consulting.

Question 2

When was Raiffeisenbank Hallein-Oberalm founded?

Accepted Answer

Historical records indicate the bank was founded in 1899 according to some sources, while company registration records show 1907/2020 as founding/reorganization dates. The earlier 1899 date likely represents the founding of one of the predecessor local Raiffeisen banks that eventually merged to form the current institution.

The first Raiffeisen bank in Austria was established in 1886, and within a decade the cooperative banking movement had spread throughout the country. Hallein and Oberalm, being important communities in the Salzburg region, were among the early adopters of the Raiffeisen model, establishing local credit cooperatives to serve farmers, craftsmen, and small businesses.

The current Raiffeisenbank Hallein-Oberalm represents the consolidation of these early cooperative banks, reflecting the broader trend of mergers that strengthened Austrian Raiffeisen banks throughout the 20th century.

Question 3

Where is Raiffeisenbank Hallein-Oberalm headquartered?

Accepted Answer

The bank is headquartered in Hallein, Salzburg, Austria. The main office is located at Justin-Robert-Platz 1 (formerly Robertplatz 1) in Hallein. The bank also maintains an important location at Salzachtalstraße 3 in Hallein.

Question 4

Where does Raiffeisenbank Hallein-Oberalm operate?

Accepted Answer

Raiffeisenbank Hallein-Oberalm operates in the Tennengau region of Salzburg, south of Salzburg city. The bank maintains branches and service points in:
• Hallein (headquarters and main branch)
• Oberalm (Kahlspergstraße 1)
• Adnet (Adnet 78)
• Bad Vigaun (Am Dorfplatz 11)
• Puch (Halleiner Landesstraße 64)
• Hallein-Burgfried (Salzachtalstraße 24)
• Krispl (Gaißau 200)

This extensive network covers the communities between Salzburg city and the Tennengau Alps, serving both urban residents of Hallein (Salzburg's second-largest city) and rural communities in the surrounding valleys.

Question 5

What services does Raiffeisenbank Hallein-Oberalm offer?

Accepted Answer

The bank offers comprehensive financial services organized through specialized advisory centers:

Wohnbaucenter (Real Estate Center): Dedicated center for building, housing, and renovation financing, providing specialized consultation for all aspects of real estate acquisition and improvement.

Veranlagungscenter (Investment Center): Specialized center for securities, investments, estate planning, and wealth transfer (Erben und Schenken), offering high-quality advisory services for complex financial planning.

Personal Banking: Girokonto (current accounts), debit and credit cards, savings accounts with competitive rates, time deposits, consumer loans, car loans, and mortgage financing.

Business Banking: Business accounts, commercial payment cards, business lending, and financing solutions for small and medium enterprises.

Digital Banking: Mein ELBA online banking platform, mobile banking app, and comprehensive digital services available 24/7/365.

Investment Services: Securities custody and trading, investment funds, retirement planning, and wealth management.

Insurance Services: Comprehensive personal and business insurance products through Raiffeisen insurance partners.

Additional Services: Safe deposit boxes, account switching service (Kontowechsel), Raiffeisen Mobil telecommunications, and financial education resources.

Question 6

What makes Raiffeisenbank Hallein-Oberalm unique?

Accepted Answer

Specialized Advisory Centers: The bank has organized its services into dedicated Zentren (centers) for real estate and investment advisory, ensuring customers receive specialized, high-quality consultation rather than generalized banking advice.

Regional Bank for Members: As stated in their philosophy, "Die Raiffeisenbank Hallein-Oberalm ist nach wie vor eine Regionalbank, die ihren Mitgliedern gehört und die ihre Gewinne im Sinne der Genossenschaftsidee zurück in die Region und die Menschen investiert" (The bank remains a regional bank owned by its members, reinvesting profits back into the region and its people according to cooperative principles).

Modern Infrastructure Investment: The bank has invested in modern, customer-friendly infrastructure combining excellent personal advisory services with comprehensive self-service options, adapting to changing customer preferences.

Strategic Location: Serving Hallein (Salzburg's second-largest city) and surrounding Tennengau communities, the bank bridges urban and rural markets, serving both city professionals and agricultural clients.

Deep Historical Roots: With origins tracing back over 120 years, the bank embodies multiple generations of commitment to the Tennengau region and its economic development.

Question 7

What type of financial institution is Raiffeisenbank Hallein-Oberalm?

Accepted Answer

Raiffeisenbank Hallein-Oberalm is a Genossenschaftsbank (cooperative bank), legally structured as an eingetragene Genossenschaft (eGen). This cooperative form means members are co-owners of the institution with democratic governance rights.

In Austria, cooperative banks form a major pillar of the banking sector, particularly in regional and rural areas. They are characterized by local autonomy, member ownership, and a commitment to serving local communities rather than maximizing profits for distant shareholders.

The bank is registered in the Austrian company register (Firmenbuch) under number FN 69205y. It is part of the Raiffeisen Banking Group Austria network while maintaining operational independence. The institution is regulated by the Austrian Financial Market Authority (FMA) and supervised by the Oesterreichische Nationalbank. Deposits are protected by the Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA) up to EUR 100,000 per depositor.

Raiffeisenbank Hallein-Oberalm

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About Raiffeisenbank Hallein-Oberalm in Austria

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