Question 1

What is Raiffeisenbank Lieser-Maltatal?

Accepted Answer

Raiffeisenbank Lieser-Maltatal is a local cooperative bank (eingetragene Genossenschaft, or eG) operating in the Carinthian region of Austria. The bank serves individuals, small and medium-sized enterprises (SMEs), and agricultural businesses in the Lieser-Maltatal valley area.

As part of the Austrian Raiffeisen Banking Group, it operates as an independent regional institution focused on retail and business banking. With total assets of approximately 196.89 million EUR as of 2023, it ranks as the 327th largest bank in Austria and the 218th largest among Raiffeisen credit cooperatives in the country.

Question 2

When was Raiffeisenbank Lieser-Maltatal founded?

Accepted Answer

[Information not publicly available]. The bank operates under the Raiffeisen cooperative banking model, which has been present in Austria since 1886 when the first Raiffeisenbank was established in Mühldorf, near Spitz an der Donau.

The cooperative banking movement, initiated by Friedrich Wilhelm Raiffeisen in Germany, spread to the Habsburg Monarchy to address the agrarian crisis affecting farmers, craftsmen, and traders. By the time Austria became a republic in 1918, more than 2,000 local Raiffeisen banks existed across the country.

Question 3

Where is Raiffeisenbank Lieser-Maltatal headquartered?

Accepted Answer

The bank is headquartered in Rennweg, Carinthia, Austria. The main branch is located at Rennweg 6, 9863 Rennweg am Katschberg.

Rennweg is a market town situated in the Katsch Valley (Katschtal) between the Hohe Tauern mountain range in the west and the Gurktal Alps (Nock Mountains) in the east. The town is known for its proximity to the Katschberg ski resort and its position along the upper Lieser River.

Question 4

Where does Raiffeisenbank Lieser-Maltatal operate?

Accepted Answer

The bank operates in the Lieser-Maltatal region of Carinthia, Austria. This includes the Katsch Valley area, encompassing the towns and communities of Rennweg, the surrounding districts of St. Peter and Gries, and the broader Lieser-Maltatal valley area.

The region is part of Carinthia's alpine landscape, situated along the Lieser River and characterized by tourism, agriculture, and small to medium-sized enterprises. The bank serves a rural and semi-rural market with strong ties to the local community and regional economy.

Question 5

What services does Raiffeisenbank Lieser-Maltatal offer?

Accepted Answer

Raiffeisenbank Lieser-Maltatal provides a comprehensive range of retail and business banking services, including:

Personal Banking: Current accounts, savings accounts, time deposit accounts, debit cards, credit cards, consumer loans, car loans, and mortgage loans.

Business Banking: Business accounts, business payment cards, business loans, and financing solutions for small and medium-sized enterprises.

Digital Services: Online banking platform and mobile banking application, allowing customers to manage accounts, make transfers, and access banking services remotely.

Additional Services: Trading accounts for securities, currency exchange services (Wechselstube), private banking services, and housing consultation (Wohnberatung). The bank also provides ATM services with accessibility features including contactless card recognition (NFC), voice output, and barrier-free device height.

Question 6

What makes Raiffeisenbank Lieser-Maltatal unique?

Accepted Answer

Cooperative Structure: As an eingetragene Genossenschaft (eG), the bank operates under cooperative principles where members hold shares and exercise voting rights, emphasizing local knowledge and community-focused decision-making.

Regional Focus: The bank maintains strong ties to the Lieser-Maltatal region, serving the local population, tourism industry, and agricultural sector with personalized service and regional expertise.

Institutional Protection: The bank participates in Austria's institutional protection scheme and deposit guarantee system (Einlagensicherung AUSTRIA Ges.m.b.H), protecting deposits up to 100,000 EUR per depositor. It is also part of the Österreichische Raiffeisen-Sicherungseinrichtung (ÖRS), the Raiffeisen-specific protection scheme established in 2021.

Raiffeisen Network Membership: As part of the Austrian Raiffeisen Banking Group, the bank benefits from shared infrastructure, digital platforms, and financial support while maintaining its independence and local character.

Question 7

What type of financial institution is Raiffeisenbank Lieser-Maltatal?

Accepted Answer

Raiffeisenbank Lieser-Maltatal is a registered cooperative credit institution (eingetragene Genossenschaft, eG), which is a recognized legal form for financial institutions in Austria.

Cooperative banks in Austria operate under a decentralized structure where each local Raiffeisenbank functions as an independent entity owned by its members. These banks are democratically governed, with members holding voting rights in the general assembly regardless of the size of their financial stake.

This cooperative model emphasizes mutual support, community development, and service to members rather than profit maximization for external shareholders. The bank is supervised by the Austrian Financial Market Authority (FMA) and regulated under Austrian and EU banking legislation.

Question 8

How does Raiffeisenbank Lieser-Maltatal connect to the broader Raiffeisen network?

Accepted Answer

Raiffeisenbank Lieser-Maltatal operates as an independent member of the Austrian Raiffeisen Banking Group, one of the largest banking groups in Austria. The structure follows a three-tier system.

At the local level, 342 independent cooperative banks (including Raiffeisenbank Lieser-Maltatal) serve their communities. These banks are connected to regional wholesale banks called Raiffeisenlandesbanken—in this case, the Raiffeisenlandesbank Kärnten for Carinthian institutions.

At the national level, these regional banks jointly own Raiffeisen Bank International (RBI), which handles international operations and provides central services. This networked structure allows small local banks to offer sophisticated financial products while maintaining their cooperative identity and regional focus.

Question 9

What is the bank's regulatory and identification information?

Accepted Answer

The bank operates under multiple regulatory identifiers essential for financial transactions and compliance. Its Bank Sort Code (Bankleitzahl) is 39464, assigned by the Oesterreichische Nationalbank (OeNB) for domestic payment routing.

The BIC/SWIFT code is RZKTAT2K464, which identifies the bank in international transactions and SEPA payments. The LEI (Legal Entity Identifier) is 529900S1E4L6A03YXJ15, used for regulatory reporting and risk management in financial markets.

The bank's MFI ID (Monetary Financial Institution identifier) is AT0000002686903, assigned by the European Central Bank. The company registration number is 113120d, under which the bank is registered in Austria's official company register (Firmenbuch).

Raiffeisenbank Lieser-Maltatal

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About Raiffeisenbank Lieser-Maltatal in Austria

Raiffe­isenba­nk Lieser­-Malta­tal