Question 1

What is Raiffeisenbank Oberpfalz Süd?

Accepted Answer

Raiffeisenbank Oberpfalz Süd is a cooperative credit institution (Genossenschaftsbank) headquartered in Donaustauf, Bavaria, Germany. As a member-owned regional bank, it serves customers in the southern Upper Palatinate region with a focus on retail banking, business banking for small and medium-sized enterprises (SMEs), and agricultural sector financing. The bank operates 12 branch locations and 4 self-service stations throughout the region.

With total assets of approximately €1.45 billion as of 2023 and more than 19,000 members, Raiffeisenbank Oberpfalz Süd is part of the German Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken).

Question 2

When was Raiffeisenbank Oberpfalz Süd founded?

Accepted Answer

The bank was founded on May 3, 1903 as "Darlehenskassenverein Donaustauf" (Loan Association Donaustauf) at the Röhrlsche Gasthaus (inn) in Donaustauf. The institution was established to provide credit access to local farmers, craftsmen, laborers, and traders who had limited access to traditional banking services.

The bank's founding followed the cooperative principles developed by Friedrich Wilhelm Raiffeisen in the 19th century, which emphasized self-help, self-management, and mutual support among members. Over the years, the bank expanded through strategic mergers, including the fusion with Raiffeisenbank Sünching eG in 2000 and Raiffeisenbank Inkofen-Eggmühl eG in 2009, evolving into its current form as Raiffeisenbank Oberpfalz Süd eG.

Question 3

Where is Raiffeisenbank Oberpfalz Süd headquartered?

Accepted Answer

The bank's headquarters is located at Eichendorffstraße 13, 93093 Donaustauf, Germany. Donaustauf is a market town in the district of Regensburg in the Upper Palatinate region of Bavaria.

Question 4

Where does Raiffeisenbank Oberpfalz Süd operate?

Accepted Answer

Raiffeisenbank Oberpfalz Süd operates exclusively in the southern Upper Palatinate (Oberpfalz Süd) region of Bavaria, Germany. The bank's service area extends from Donaustauf to Langquaid, covering communities south of the city of Regensburg.

The bank maintains a strong local presence with 12 full-service branches in towns including Donaustauf, Burgweinting, Langquaid, Pfatter, Thalmassing, Mintraching, and Sünching, plus 4 additional self-service locations, ensuring accessibility throughout its operating region.

Question 5

What services does Raiffeisenbank Oberpfalz Süd offer?

Accepted Answer

Raiffeisenbank Oberpfalz Süd provides comprehensive banking services including:

Retail Banking: Current accounts, savings accounts, time deposits, debit cards, credit cards, consumer loans, car loans, mortgage loans, and pension plans.

Business Banking: Business accounts, commercial lending, financing solutions for small and medium-sized enterprises (SMEs), and specialized support for agricultural businesses.

Investment Services: Trading accounts, wealth management, and asset management through Union Investment, a partner in the cooperative financial network.

Insurance Products: Insurance solutions through R+V Versicherung, another cooperative network partner.

Digital Services: Online banking platform, mobile banking application, and telephone banking services. The bank also offers ATMs, automated coin and banknote deposit machines, safe deposit boxes, and night safes at various locations.

Question 6

What makes Raiffeisenbank Oberpfalz Süd unique?

Accepted Answer

Member-Owned Cooperative Structure: With over 19,000 members who are co-owners of the bank, Raiffeisenbank Oberpfalz Süd operates on democratic principles where each member has one vote regardless of their shareholding size, embodying the cooperative motto "What one cannot achieve, many can accomplish together."

Strong Community Engagement: The bank actively supports local clubs, cultural projects, schools, and charitable initiatives throughout the region. It has produced both federal and state-level winners in the "jugend creativ" youth competition, the world's largest youth art competition.

High Credit Rating: The bank holds an AA- long-term credit rating from Fitch (very high credit quality) and an F1+ short-term rating (highest short-term credit quality), reflecting its financial stability.

Regional Employment Impact: As a significant employer in the region with approximately 190 employees, the bank provides vocational training and professional development through partnerships with institutions like the Matthäus Runtinger Vocational School in Regensburg and the Academy of Bavarian Cooperatives.

Institutional Protection: Deposits are protected through Germany's BVR Institutssicherung GmbH (BVR Institutional Protection Scheme), which provides coverage beyond the standard €100,000 European deposit guarantee.

Question 7

What type of financial institution is Raiffeisenbank Oberpfalz Süd?

Accepted Answer

Raiffeisenbank Oberpfalz Süd is a Genossenschaftsbank (cooperative bank), a distinct type of credit institution in Germany structured as an "eingetragene Genossenschaft" (eG - registered cooperative).

In the German financial system, cooperative banks operate as member-owned mutual institutions that combine retail banking with a social mission to promote the economic welfare of their member-owners. Unlike shareholder-owned banks that prioritize profit maximization for external investors, cooperative banks focus on providing value and services to their members while supporting local economic development.

The bank is regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht - Federal Financial Supervisory Authority) and is part of the broader German Cooperative Financial Group network, which includes DZ Bank as the central institution. This network structure allows local cooperative banks to maintain their independence while benefiting from shared resources, products, and institutional support.

Raiffeisenbank Oberpfalz Süd

in Germany 🇩🇪

Crypto-Friendliness

All done!

About Raiffeisenbank Oberpfalz Süd in Germany

Raiffe­isenba­nk Oberpfalz Süd