Question 1

What is Raiffeisenbank Kalsdorf-Lieboch-Stainz?

Accepted Answer

Raiffeisenbank Kalsdorf-Lieboch-Stainz is a local cooperative bank (eingetragene Genossenschaft) serving communities in the Graz-Umgebung district of Styria, Austria. As a member of the Austrian Raiffeisen Banking Group, it provides universal banking services to retail customers, professionals, and small- and medium-sized enterprises in the southwestern suburbs of Graz.

With total assets of approximately 438.5 million EUR as of 2023, the bank operates as a regional financial partner focused on supporting the local economy in Styria. It is member-owned through a cooperative structure, allowing customers to become co-owners with governance rights.

Question 2

When was Raiffeisenbank Kalsdorf-Lieboch-Stainz founded?

Accepted Answer

The bank's formal legal structure dates to July 1, 1900, making it one of the older cooperative banks in the region. Like many Austrian Raiffeisen banks, its current form likely resulted from mergers of smaller local cooperative institutions.

The bank's three-part name reflects the municipalities it serves: Kalsdorf, Lieboch, and Stainz, suggesting it evolved through consolidation of separate village banking cooperatives. This pattern of merger and consolidation has been characteristic of the Austrian cooperative banking sector for over a century.

Question 3

Where is Raiffeisenbank Kalsdorf-Lieboch-Stainz headquartered?

Accepted Answer

Raiffeisenbank Kalsdorf-Lieboch-Stainz is headquartered at Packer Straße 131, 8501 Lieboch, Styria, Austria.

Question 4

Where does Raiffeisenbank Kalsdorf-Lieboch-Stainz operate?

Accepted Answer

The bank operates in the Graz-Umgebung district of Styria, specifically serving the communities of Kalsdorf, Lieboch, and Stainz. These are suburban and rural areas located southwest of Graz, Austria's second-largest city.

The region combines residential suburbs, agricultural areas, and small commercial enterprises. The bank maintains branch locations in Lieboch and serves the surrounding municipalities within its designated service area.

Question 5

What services does Raiffeisenbank Kalsdorf-Lieboch-Stainz offer?

Accepted Answer

Raiffeisenbank Kalsdorf-Lieboch-Stainz offers comprehensive banking services including current accounts (Girokontos), savings accounts, time deposits, debit and credit cards, and pension planning products. The bank provides consumer loans, car loans, auto leasing, and mortgage financing including specialized building society products (Bausparen).

For business clients, the bank delivers commercial banking services including business accounts, payment cards, and business loans tailored to SMEs. The bank features a dedicated corporate customer center (Firmenkunden-Center) at its Lieboch location.

Digital services include Mein ELBA online banking and mobile applications, offering features like Click to Pay for online purchases, account management, transfers, and investment tools like the fit2invest educational platform. Through the Raiffeisen network, customers access insurance, investment management, leasing, and mobile telecommunications services (Raiffeisen Mobil).

Question 6

What makes Raiffeisenbank Kalsdorf-Lieboch-Stainz unique?

Accepted Answer

The bank's cooperative structure allows members to participate in governance while ensuring profits are reinvested in the local community rather than distributed to external shareholders. Its branches feature comprehensive accessibility features, including barrier-free access, specially designed ATM interfaces, accessible consultation areas, and adapted restroom facilities.

The institution emphasizes its role as a regional financial partner (regionaler Finanzpartner), with deep knowledge of the local economy around Graz. Its tagline "Digital. Regional. Überall" (Digital. Regional. Everywhere) reflects its combination of modern digital banking with local presence.

The bank participates in the Einlagensicherung AUSTRIA (ESA) deposit guarantee scheme, providing security for customer deposits. Its long history since 1900 has established it as a trusted financial institution across multiple generations in the community.

Question 7

What type of financial institution is Raiffeisenbank Kalsdorf-Lieboch-Stainz?

Accepted Answer

Raiffeisenbank Kalsdorf-Lieboch-Stainz is a Genossenschaftsbank (cooperative bank), specifically organized as an eingetragene Genossenschaft (eGen) under Austrian cooperative law. Cooperative banks are democratically governed by their members and focus on serving local communities.

As a Kreditinstitut (credit institution), it is authorized to provide the full range of banking services. The bank is registered in Austria under company number FN 52533 f and uses the bank sort code (Bankleitzahl) 38210 for domestic transactions.

Raiffeisenbank Kalsdorf-Lieboch-Stainz

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About Raiffeisenbank Kalsdorf-Lieboch-Stainz in Austria

Raiffe­isenba­nk Kalsdo­rf-Lie­boch-S­tainz