Question 1

What is Raiffeisenbank Falkenstein-Wörth?

Accepted Answer

Raiffeisenbank Falkenstein-Wörth is a Genossenschaftsbank (cooperative bank) headquartered in Falkenstein, Bavaria, Germany. As a member-owned institution, it operates as a universal bank serving retail and business customers in the southern Landkreis Cham and eastern Landkreis Regensburg regions. The bank emphasizes the cooperative principles of solidarity, self-help, and member participation.

As part of the Volksbanken Raiffeisenbanken cooperative banking network, it collaborates with leading financial partners including DZ Bank, R+V Versicherung, Bausparkasse Schwäbisch Hall, and Union Investment.

Question 2

When was Raiffeisenbank Falkenstein-Wörth founded?

Accepted Answer

The bank traces its origins to March 23, 1902, when Raiffeisenbank Falkenstein eG was founded. The current institution was formed through the 1993 merger of Raiffeisenbank Falkenstein eG (headquartered in Falkenstein) with Raiffeisenbank Wörth-Wiesent eG (headquartered in Wörth an der Donau).

Prior to the 1993 merger, both constituent banks had themselves grown through consolidation. Raiffeisenbank Wörth-Wiesent eG resulted from the 1970 merger of Raiffeisenkasse Wiesent eGmbH with Raiffeisenbank Wörth a.d.Donau eGmbH. Similarly, Raiffeisenbank Falkenstein eGmbH had absorbed three local cooperative banks between 1967 and 1969: Raiffeisenkasse Süssenbach eGmbH, Raiffeisenkasse Michelsneukirchen eGmbH, and Raiffeisenkasse Brennberg eGmbH.

Question 3

Where is Raiffeisenbank Falkenstein-Wörth headquartered?

Accepted Answer

The bank's legal and administrative headquarters is located at Dr.-Götz-Straße 1 in Falkenstein (Oberpfalz), Bavaria, Germany.

Question 4

Where does Raiffeisenbank Falkenstein-Wörth operate?

Accepted Answer

Raiffeisenbank Falkenstein-Wörth operates primarily in the southern Landkreis Cham and eastern Landkreis Regensburg regions of Bavaria. The bank maintains a branch network across six locations:
• Falkenstein – Main office and legal seat
• Wörth an der Donau – Branch office
• Süssenbach – Branch office
• Michelsneukirchen – Branch office
• Brennberg – Branch office
• Wiesent – Branch office

Question 5

What services does Raiffeisenbank Falkenstein-Wörth offer?

Accepted Answer

The bank provides comprehensive universal banking services including:

Retail Banking: Current accounts, savings accounts, debit cards (BankCard), payment services, and ATM access across its branch network.

Lending Products: Consumer loans, mortgage financing, and agricultural credit facilities.

Investment Services: Investment products through Union Investment, retirement planning, and wealth management solutions.

Insurance Products: Life, property, and liability insurance through R+V Versicherung.

Real Estate Services: Mortgage financing through DZ Hyp and home savings plans via Bausparkasse Schwäbisch Hall.

Digital Banking: Online banking platforms, mobile banking applications, and self-service terminals with 24/7 access at multiple locations.

The bank also offers extended services including safe deposit boxes, coin dispensing machines, banknote deposit machines, and account statement printers.

Question 6

What makes Raiffeisenbank Falkenstein-Wörth unique?

Accepted Answer

Member-Owned Structure: As a registered cooperative (eingetragene Genossenschaft), the bank is owned by its members, who participate in governance through the General Assembly and benefit from the institution's success.

Local Market Expertise: With over 120 years of presence in the region, the bank maintains deep knowledge of local economic conditions and customer needs, particularly in agricultural and small business sectors.

Comprehensive Branch Network: Despite being a regional institution, the bank maintains six physical locations with extended service hours, ensuring accessibility across rural and small-town communities.

Dual Protection System: Depositors benefit from both the statutory BVR Institutssicherung GmbH and the voluntary Sicherungseinrichtung of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V., providing enhanced deposit protection beyond the statutory €100,000 guarantee.

Cooperative Network Benefits: Members access products and services from Germany's largest financial services network, combining local decision-making with national-scale resources.

Question 7

What type of financial institution is Raiffeisenbank Falkenstein-Wörth?

Accepted Answer

Raiffeisenbank Falkenstein-Wörth is classified as a Genossenschaftsbank (cooperative bank), specifically a Kreditinstitut (credit institution) under German banking law. This designation signifies a member-owned financial cooperative operating under the Genossenschaftsgesetz (German Cooperative Act).

As a Genossenschaftsbank, it differs from commercial banks through its cooperative ownership structure, democratic governance (one member, one vote principle), and commitment to serving member interests rather than maximizing shareholder returns. The bank is registered in the Genossenschaftsregister (Cooperative Register) at Amtsgericht Regensburg under GnR 539 and is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).

Question 8

How is Raiffeisenbank Falkenstein-Wörth governed?

Accepted Answer

The bank operates under a three-tier governance structure mandated by the Genossenschaftsgesetz:

Vorstand (Board of Management): Responsible for day-to-day operations and strategic implementation.

Aufsichtsrat (Supervisory Board): Oversees the Board of Management and monitors business operations on behalf of members.

Generalversammlung (General Assembly): The supreme decision-making body where all members have equal voting rights, approves the annual financial statements, elects the Supervisory Board, and decides on fundamental strategic matters including amendments to the bank's bylaws.

Raiffeisenbank Falkenstein-Wörth

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About Raiffeisenbank Falkenstein-Wörth in Germany

Raiffe­isenba­nk Falken­stein-­Wörth