Question 1

What is Raiffeisenbank Rosenstein?

Accepted Answer

Raiffeisenbank Rosenstein is a regional cooperative bank serving the Rosenstein administrative community in Baden-Württemberg, Germany. It provides universal banking services to individuals, small and medium-sized enterprises, and local businesses in the western Ostalbkreis region.

As a member of the German Cooperative Financial Group and DZ Bank, it operates under the cooperative (Genossenschaft) model. With total assets of approximately €449 million as of 2024, it holds a Fitch credit rating of AA- (very high credit quality) and serves the communities surrounding the Rosenstein castle ruins near Heubach.

Question 2

When was Raiffeisenbank Rosenstein founded?

Accepted Answer

The bank's history dates back to 1889, when the Spar- und Darlehenskassenverein Oberböbingen was founded on February 27, 1889, with 61 founding members signing the establishment protocol. This represents the oldest predecessor institution of the current bank.

In 1892, the Darlehenskassenverein Heubach was founded on December 27 at the Gasthaus Rössle inn, with 102 Heubach citizens signing the founding protocol. Through numerous mergers—including consolidations in 1970, 1977, and culminating in 1999—the various local cooperative banks merged to form the current Raiffeisenbank Rosenstein eG, named after the Rosenstein castle ruins, Heubach's landmark.

Question 3

Where is Raiffeisenbank Rosenstein headquartered?

Accepted Answer

The bank is headquartered in Heubach, a town in the Ostalbkreis district of Baden-Württemberg, Germany. The main office is located at Bahnhofstraße 2 in Heubach.

Heubach is situated at the foot of the Rosenstein mountain with its prominent castle ruins, approximately 15 kilometers east of Schwäbisch Gmünd in the eastern part of Baden-Württemberg.

Question 4

Where does Raiffeisenbank Rosenstein operate?

Accepted Answer

The bank operates throughout the Verwaltungsgemeinschaft Rosenstein (Rosenstein administrative community) in the western Ostalbkreis. Its service area includes the town of Heubach (headquarters with an additional self-service branch), and the municipalities of Heuchlingen, Böbingen an der Rems, Mögglingen (with both a full branch and self-service location), and Bartholomä.

The region is characterized by small-town and rural communities in the foothills of the Swabian Alps, with a mix of local commerce, small industry, and commuters to larger cities. The bank maintains multiple branch locations across all these communities to ensure local accessibility.

Question 5

What services does Raiffeisenbank Rosenstein offer?

Accepted Answer

The bank provides comprehensive retail banking including current accounts, savings accounts, time deposits, debit cards, credit cards, and pension plans. Lending services encompass consumer loans, car loans, and mortgage loans.

For business clients, the bank offers business accounts, business payment cards, and commercial loans tailored to SMEs. It operates as a universal bank (Universalbank), providing the full spectrum of banking services.

Digital services include online banking, mobile applications, and telephone banking. Through the cooperative network, customers access investment products via Union Investment, insurance through R+V Versicherung, building society savings through Bausparkasse Schwäbisch Hall, leasing through VR Leasing, and mortgage financing through Münchener Hypothekenbank and DZ Hyp.

Question 6

What makes Raiffeisenbank Rosenstein unique?

Accepted Answer

The bank demonstrates strong community engagement, supporting regional sports, culture, youth programs, and social institutions. In 2022 alone, it distributed €51,000 in donations within the Rosenstein region, reflecting its commitment to local development.

As a member-owned cooperative (Genossenschaft), it operates under principles of self-help, self-management, and self-responsibility. The bank offers vocational training programs for bank clerks (Bankkaufmann) and emphasizes continuous employee education as part of its business strategy.

The bank participates in the BVR Institutssicherung, Germany's cooperative banking protection scheme, providing robust deposit insurance. Its AA- credit rating and negative outlook from Fitch reflect solid financial stability despite challenging market conditions.

Question 7

What type of financial institution is Raiffeisenbank Rosenstein?

Accepted Answer

Raiffeisenbank Rosenstein is a registered cooperative (eingetragene Genossenschaft or eG), the German legal form for cooperative enterprises. It is registered in the cooperative register (Genossenschaftsregister) at the Ulm District Court under GnR 700025.

As a credit cooperative (Kreditgenossenschaft) and specifically a Raiffeisenbank, it belongs to the rural cooperative banking tradition within Germany's Volksbanken Raiffeisenbanken network. The bank's statutory auditor is the Baden-Württemberg Cooperative Association (baden-württembergischer Genossenschaftsverband), ensuring compliance with cooperative principles and banking regulations.

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About Raiffeisenbank Rosenstein in Germany

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