Question 1

What is Alxing-Brucker Bank?

Accepted Answer

Alxing-Brucker Bank (officially Alxing-Brucker Genossenschaftsbank eG) is a cooperative bank (Genossenschaftsbank) serving the local community in southern Bavaria, Germany. It is a member of the Volksbanken Raiffeisenbanken Cooperative Financial Network, Germany's second-largest financial services group.

As of 2024, the bank holds total assets of approximately €201 million and serves retail customers and small to medium-sized enterprises (SMEs) in the southern Ebersberg district. The bank operates as a universal bank, providing comprehensive financial services with a focus on personalized, local banking relationships.

Question 2

When was Alxing-Brucker Bank founded?

Accepted Answer

Alxing-Brucker Bank traces its roots to two separate Raiffeisen credit cooperatives founded in the early 20th century. The Raiffeisenkasse Alxing was established on January 22, 1901, while the Raiffeisenkasse Bruck was founded on September 29, 1908.

The two institutions merged in 1954 to form Raiffeisenkasse Alxing/Bruck eGmbH. On December 6, 2016, the bank officially changed its name to Alxing-Brucker Genossenschaftsbank eG, which remains its legal name today, though it operates under the consumer brand "Alxing-Brucker Bank."

Question 3

Where is Alxing-Brucker Bank headquartered?

Accepted Answer

Alxing-Brucker Bank is headquartered in Bruck, Oberbayern (Upper Bavaria), Germany. The main office is located at Dorfstraße 8, 85567 Bruck, in the municipality of Bruck within the Ebersberg district.

Question 4

Where does Alxing-Brucker Bank operate?

Accepted Answer

Alxing-Brucker Bank operates exclusively in the southern part of the Ebersberg district in Bavaria. The bank maintains a single branch at its headquarters in Bruck and does not operate additional branch locations.

The bank's business territory focuses on the local communities of Alxing and Bruck, reflecting its cooperative mission to serve local residents and businesses. The bank provides services to customers in surrounding rural areas of southern Ebersberg.

Question 5

What services does Alxing-Brucker Bank offer?

Accepted Answer

Alxing-Brucker Bank offers comprehensive universal banking services including:

Retail Banking: Current accounts (Privatkonto Online), savings accounts, time deposits (Festgeld), and youth accounts (Primagiro for young customers entering financial independence).

Lending Services: Consumer loans (easyCredit), mortgage financing (Baufinanzierung), and business loans for SMEs.

Digital Services: Online banking platform, mobile banking applications, and online account opening through their digital branch (Online-Geschäftsstelle).

Insurance and Investment Products: Through partnerships with cooperative network partners including R+V Insurance, Union Investment (investment funds), and Bausparkasse Schwäbisch Hall (building savings).

Additional Services: Safe deposit boxes, ATM access, coin dispensers, and agricultural supply services including equipment for farmers and gardeners.

Question 6

What makes Alxing-Brucker Bank unique?

Accepted Answer

Alxing-Brucker Bank distinguishes itself through its deep local roots and personalized service approach under the motto "persönlich - kompetent - flexibel" (personal - competent - flexible). The bank has remained independent since its founding over a century ago, maintaining strong ties to the local community.

Unlike many modern banks, Alxing-Brucker Bank still operates a warehouse supplying agricultural equipment and supplies to farmers and gardeners, reflecting its Raiffeisen heritage of supporting rural economies. The bank also maintains a farm scale (Fuhrwerkswaage) for agricultural use.

The bank earned a Fitch rating of AA- (very high credit quality) and is protected by the BVR Institutssicherung GmbH deposit guarantee scheme, which covers deposits beyond the standard €100,000 EU guarantee. Members of the cooperative receive preferential account pricing and dividend distributions from annual profits.

Question 7

What type of financial institution is Alxing-Brucker Bank?

Accepted Answer

Alxing-Brucker Bank is a Genossenschaftsbank (cooperative bank), a specific type of credit institution under German banking law. It is organized as an eingetragene Genossenschaft (eG), which is a registered cooperative.

As a cooperative bank, it is owned by its member-customers who hold shares (Geschäftsanteile) and exercise democratic control through the General Assembly (Generalversammlung), where each member has one vote regardless of the number of shares owned. The bank operates under the principles of self-help, self-responsibility, and self-administration established by cooperative pioneers Friedrich Wilhelm Raiffeisen and Franz Hermann Schulze-Delitzsch.

The bank is registered in the cooperative register (Genossenschaftsregister) at the Munich Local Court under GnR 2015. It is supervised by the German Federal Financial Supervisory Authority (BaFin) and is a member of the German Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken), which includes approximately 670 cooperative banks across Germany.

Question 8

Who leads Alxing-Brucker Bank?

Accepted Answer

The bank's management board (Vorstand) consists of two full-time board members: Jürgen Gleißner and Johann Stadler. The cooperative governance structure also includes a Supervisory Board (Aufsichtsrat) and the General Assembly of members.

The bank operates under the German Cooperative Act (Genossenschaftsgesetz) and its own bylaws approved by the General Assembly. All strategic decisions require member approval through the democratic governance structure.

Question 9

What partnerships does Alxing-Brucker Bank maintain?

Accepted Answer

As a member of the Volksbanken Raiffeisenbanken Cooperative Financial Network, Alxing-Brucker Bank collaborates with several specialized institutions to provide comprehensive financial services:

DZ Bank serves as the central institution and clearing bank for the cooperative network. R+V Versicherung provides insurance products. Bausparkasse Schwäbisch Hall offers building savings plans. TeamBank (easyCredit) provides consumer financing. VR Leasing handles equipment leasing. DZ HYP specializes in real estate financing. Union Investment manages investment funds and asset management services.

These partnerships enable the small local bank to offer the full range of financial products typically available only from large universal banks.

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About Alxing-Brucker Bank in Germany

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