Question 1

What is Raiffeisen Schlern-Rosengarten?

Accepted Answer

Raiffeisen Schlern-Rosengarten (Raiffeisenkasse Schlern-Rosengarten) is an autonomous local cooperative bank serving the Schlern-Rosengarten region of South Tyrol, Italy. Operating multiple branches across Kardaun (Cardano), Völs am Schlern, Tiers, Steinegg, Welschnofen, and extending into Val di Fassa, the bank provides comprehensive banking services to residential and commercial customers. As one of 39 independent Raiffeisen cooperative banks in South Tyrol, it maintains strong community ties while participating in the regional Raiffeisen banking network coordinated through Raiffeisen Landesbank Südtirol.

Question 2

When was Raiffeisen Schlern-Rosengarten founded?

Accepted Answer

While specific founding details for Raiffeisen Schlern-Rosengarten are not extensively documented, the bank emerged as part of the broader South Tyrolean Raiffeisen movement that began with the establishment of the first cooperative bank in Val Badia in 1889 under Austrian law. Following South Tyrol's absorption by Italy after World War I, the regional Raiffeisen organization was restructured. The bank received formal authorization from Italian banking authorities on June 21, 2017, as part of regulatory compliance updates under the Italian cooperative banking framework.

Question 3

Where is Raiffeisen Schlern-Rosengarten headquartered?

Accepted Answer

The bank is headquartered in Kardaun (Cardano), a frazione of Cornedo all'Isarco (Karneid), in the province of Bolzano, South Tyrol, Italy.

Question 4

Where does Raiffeisen Schlern-Rosengarten operate?

Accepted Answer

Raiffeisen Schlern-Rosengarten operates throughout the Schlern-Rosengarten mountain region of South Tyrol, serving communities including:

Primary Service Area: Kardaun (Cardano), Völs am Schlern, Tiers, Steinegg, and Welschnofen in South Tyrol.

Extended Service: Val di Fassa (Fassa Valley) across the provincial border in Trentino, maintaining a branch in Pozza di Fassa.

The bank's operating territory encompasses both the Schlern (Sciliar) and Rosengarten (Catinaccio) mountain groups, serving populations in the Dolomites UNESCO World Heritage region.

Question 5

What services does Raiffeisen Schlern-Rosengarten offer?

Accepted Answer

The bank provides a comprehensive suite of financial services including:

Retail Banking: Current accounts (Girokonto/Conto Corrente), savings accounts, payment cards, and domestic and international payment services including SEPA transfers.

Lending Products: Personal loans, consumer credit, mortgage financing for residential properties, and agricultural loans.

Investment Services: Mutual funds (Investmentfonds), pension funds, securities trading, and wealth management advisory services.

Insurance Products: Life insurance, health insurance, property insurance, and family protection plans distributed through partnerships.

Digital Banking: Raiffeisen mobile banking app, online banking platform, and 24/7 ATM access including self-service terminals at branch locations.

Business Banking: Commercial accounts, business credit facilities, payment processing for enterprises, and cash management services.

Question 6

What makes Raiffeisen Schlern-Rosengarten unique?

Accepted Answer

Multi-Valley Service Network: Unlike many local banks serving a single valley, Raiffeisen Schlern-Rosengarten operates across multiple mountain valleys and even extends service into Trentino province, demonstrating broader regional integration.

Cooperative Governance: As a member-owned cooperative (Società Cooperativa/Genossenschaft), the bank operates on democratic principles with members having equal voting rights regardless of share ownership size.

Strong Performance: In 2023, the bank ranked as the 219th largest bank in Italy with assets of €553.81 million and demonstrated strong profitability with a 1.40% return on assets, placing it among the top 53 most profitable banks in relation to asset size.

Institutional Protection: Member of the Raiffeisen Südtirol IPS (Institutional Protection Scheme), Italy's first IPS approved in November 2020, providing mutual support among 39 South Tyrolean Raiffeisen banks while maintaining operational autonomy.

Cultural Bridge: Operates seamlessly in the multilingual South Tyrolean context, providing services in German, Italian, and serving Ladin-speaking communities in Val di Fassa.

Question 7

What type of financial institution is Raiffeisen Schlern-Rosengarten?

Accepted Answer

Raiffeisen Schlern-Rosengarten is a Banca di Credito Cooperativo (Cooperative Credit Bank), known in German as Genossenschaftsbank. This institutional structure emphasizes mutual benefit, local autonomy, and member participation in governance. The bank is classified as a credit institution (CRDCREINS) under European Banking Authority regulations and is directly supervised by the Bank of Italy (Banca d'Italia) as a "less significant institution" under the European Banking Supervision framework. Customer deposits up to €100,000 are protected under the Italian Depositors' Guarantee Fund of Credit Cooperative Banks (Fondo di Garanzia dei Depositanti del Credito Cooperativo).

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About Raiffeisen Schlern-Rosengarten in Italy

Raiffeisen Schler­n-Rose­ngarten