Question 1

What is Raiffeisenbank Arnstorf?

Accepted Answer

Raiffeisenbank Arnstorf is a cooperative bank (Genossenschaftsbank) headquartered in the Bavarian market town of Arnstorf in the Rottal-Inn district of Germany. As part of the Volksbanken Raiffeisenbanken cooperative financial network, the bank operates as a universal bank providing comprehensive financial services to retail and business customers throughout northern Lower Bavaria.

With approximately 5,571 members, 107 employees, and a balance sheet total of around €477 million, Raiffeisenbank Arnstorf serves the local community through 6 branch locations and 7 ATMs across its service area.

Question 2

When was Raiffeisenbank Arnstorf founded?

Accepted Answer

Raiffeisenbank Arnstorf eG was founded on February 20, 1894, making it one of the historic cooperative banks in Bavaria with over 130 years of continuous operation. The bank was established following the cooperative principles developed by Friedrich Wilhelm Raiffeisen, who pioneered the concept of rural credit cooperatives in Germany.

Since its founding, Raiffeisenbank Arnstorf has maintained its independence as a standalone cooperative institution, distinguishing it from many other regional banks that have merged over the decades. The bank is registered in the cooperative register at the Landshut District Court under registration number GnR 202.

Question 3

Where is Raiffeisenbank Arnstorf headquartered?

Accepted Answer

Raiffeisenbank Arnstorf is headquartered in Arnstorf, Bavaria, Germany. Arnstorf is a market town located in the Rottal-Inn district of Lower Bavaria, positioned in southeastern Germany near the Austrian border.

Question 4

Where does Raiffeisenbank Arnstorf operate?

Accepted Answer

Raiffeisenbank Arnstorf's service territory covers the northern part of the Rottal-Inn district, as well as the southern areas of the Dingolfing-Landau and Deggendorf districts in Lower Bavaria. The bank operates 6 branch locations throughout this region:
• Arnstorf (main office and legal headquarters)
• Malgersdorf (branch office)
• Roßbach (2 branch offices)
• Simbach (branch office)
• Gergweis (branch office)

This multi-branch structure enables the bank to maintain a strong local presence across rural and small-town communities in northern Lower Bavaria.

Question 5

What services does Raiffeisenbank Arnstorf offer?

Accepted Answer

Raiffeisenbank Arnstorf operates as a universal bank (Universalbank), offering a comprehensive range of retail and commercial banking services including:

Retail Banking: Current accounts, savings accounts, debit cards, credit cards, time deposits, and pension plans.

Lending Services: Consumer loans, car financing, mortgage loans, and business financing with particular focus on small and medium-sized enterprises (SMEs).

Wealth Management: Investment products through Union Investment, pension planning, and asset management services.

Insurance Services: Insurance products through R+V Versicherung partnership.

Building Finance: Home savings products through Bausparkasse Schwäbisch Hall.

Digital Banking: Online banking and mobile banking platforms enabling 24/7 account access, transfers, and financial management.

The bank collaborates with major partners in the cooperative financial network including DZ Bank, R+V Versicherung, Bausparkasse Schwäbisch Hall, TeamBank, VR Smart Finanz, DZ Hyp, and Union Investment.

Question 6

What makes Raiffeisenbank Arnstorf unique?

Accepted Answer

Over 130 Years of Independence: Unlike many German cooperative banks that have merged, Raiffeisenbank Arnstorf has preserved its independence since 1894, maintaining deep roots in the local community.

Strong Member Ownership: With 5,571 cooperative members, the bank is truly owned by the community it serves, embodying the cooperative principle of "what one cannot achieve alone, many can accomplish together."

Local Focus with Network Strength: The bank combines intimate knowledge of the local economy with access to the resources of Germany's Volksbanken Raiffeisenbanken Cooperative Financial Network, one of the largest banking groups in Germany with over 17.8 million members nationwide.

Comprehensive Deposit Protection: Customers benefit from both the official deposit guarantee scheme (BVR-ISG) and an additional voluntary protection system operated by the Federal Association of German Volksbanken and Raiffeisenbanken, rated AA- by Fitch Ratings.

Regional Economic Engine: As a locally-rooted institution, the bank prioritizes supporting regional businesses, agricultural operations, and community development projects throughout the Rottal-Inn area.

Question 7

What type of financial institution is Raiffeisenbank Arnstorf?

Accepted Answer

Raiffeisenbank Arnstorf is a Genossenschaftsbank (cooperative bank), specifically a credit institution (Kreditinstitut) classified as CRDCREINS under European Banking Authority regulations. In Germany, cooperative banks like Raiffeisenbank Arnstorf are member-owned financial institutions organized under the Genossenschaftsgesetz (Cooperative Act).

As a cooperative bank, it operates on democratic principles where each member has one vote regardless of their share size. The bank's governance structure includes a management board (Vorstand) appointed by the supervisory board (Aufsichtsrat), which is elected by the representative assembly (Vertreterversammlung) of member-owners. This organizational model ensures that the bank remains accountable to its members and focused on serving local community needs rather than maximizing shareholder profits.

Raiffeisenbank Arnstorf is regulated by the German Federal Financial Supervisory Authority (BaFin) and participates in the institutional protection scheme of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR), which provides comprehensive deposit protection for customer funds.

Raiffeisenbank Arnstorf

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About Raiffeisenbank Arnstorf in Germany

Raiffe­isenba­nk Arnstorf