Question 1

What is Raiffeisenbank Eberschwang-Pramet?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet is a regional cooperative bank operating in Upper Austria (Oberösterreich). It provides comprehensive retail and business banking services to individuals, professionals, and small to medium-sized enterprises in the Eberschwang, Pramet, and St. Marienkirchen areas.

As a member of the Raiffeisen Banking Group, Austria's second-largest banking group, the bank combines local expertise with access to a nationwide network of financial services. With total assets of approximately €153 million as of 2023, it represents a well-established regional institution deeply committed to its local communities.

Question 2

When was Raiffeisenbank Eberschwang-Pramet founded?

Accepted Answer

While the exact founding date requires further research, Raiffeisenbank Eberschwang-Pramet emerged from the cooperative banking movement that spread across Austria in the late 19th and early 20th centuries. The bank was established to serve the agricultural communities of Eberschwang and Pramet in Upper Austria.

The institution later merged with banking operations in St. Marienkirchen, creating the current three-location structure. The bank received its authorization from Austrian financial authorities on November 19, 2014, as recorded in the EBA register, though this likely represents a regulatory milestone rather than the original founding date.

Question 3

Where is Raiffeisenbank Eberschwang-Pramet headquartered?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet is headquartered in Eberschwang, Upper Austria. The main office and competence center is located at Eberschwang 116, 4906 Eberschwang.

Question 4

Where does Raiffeisenbank Eberschwang-Pramet operate?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet operates in the Innviertel region of Upper Austria, specifically serving the municipalities of Eberschwang, Pramet, and St. Marienkirchen. The bank maintains three branch locations across these communities.

The competence center in Eberschwang serves as the hub for specialized advisory services, while additional branches in Pramet and St. Marienkirchen ensure convenient local access for customers. The service area encompasses a predominantly rural region known for agriculture and small-scale industry.

Question 5

What services does Raiffeisenbank Eberschwang-Pramet offer?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet offers a comprehensive range of retail and business banking services, including:

Personal Banking: Current accounts, savings accounts, time deposits, debit cards, credit cards, consumer loans, car loans, and mortgage loans tailored to individual needs.

Business Banking: Business accounts, business payment cards, business loans, and specialized financial services for SMEs, agricultural enterprises, and self-employed professionals.

Digital Services: Online banking platforms and mobile banking applications providing 24/7 access to accounts, transfers, and account management. The bank's self-service facilities include ATMs with barrier-free access, voice output, and contactless NFC technology.

Specialized Services: Investment products, insurance solutions, pension planning, and wealth management through the Raiffeisen network. The bank also provides foreign exchange services and mobile phone card recharge facilities.

Question 6

What makes Raiffeisenbank Eberschwang-Pramet unique?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet distinguishes itself through its deep commitment to regional sustainability and community banking. The bank operates a facility heated by renewable energy (wood chips) for 15 years and has installed solar panels (32 kWp capacity) with battery storage (22 kWh), demonstrating environmental leadership.

The bank achieved an impressive 1.10% return on assets in 2023, ranking among the top-performing regional banks in Austria. Its cooperative structure means members actively participate in governance and share in the institution's success.

The bank's motto "STARK VERWURZELT IN DER REGION" (Strongly Rooted in the Region) reflects its commitment to being more than just a financial services provider—it's a community partner that supports local economic development. With over 4,400 members in the broader Donau-Heuberg region, cooperative banks like this represent the strongest people's associations in their areas.

Question 7

What type of financial institution is Raiffeisenbank Eberschwang-Pramet?

Accepted Answer

Raiffeisenbank Eberschwang-Pramet is a Genossenschaft (cooperative credit institution), specifically an "eingetragene Genossenschaft" (eGen), which is the standard legal form for member-owned financial cooperatives in Austria.

As a cooperative, the bank is owned by its members who elect representatives to oversee management and strategic direction. This structure ensures the bank prioritizes community needs over profit maximization, while still maintaining strong financial performance. The cooperative model has proven remarkably successful in Austria, where Raiffeisen banks collectively form one of the nation's largest and most stable banking groups.

Raiffeisenbank Eberschwang-Pramet

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About Raiffeisenbank Eberschwang-Pramet in Austria

Raiffe­isenba­nk Ebersc­hwang-­Pramet