Oberbank AG
Oberbank AG is a 156-year-old publicly listed Austrian regional bank headquartered in Linz, providing retail, corporate, and private banking services across Austria, Germany, Czech Republic, Slovakia, and Hungary through a 4,700-employee branch network and digital channels.
- Company typePublic
- Founded1869
- HeadquartersLinz, Austria
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Oberbank AG does
Oberbank AG is an Austrian regional bank founded in 1869 and headquartered in Linz, publicly listed on the Vienna Stock Exchange under ticker OBS. The bank operates across five countries (Austria, Germany, Czech Republic, Slovakia, and Hungary) with over 4,700 employees, serving three primary customer segments: Privatkunden (retail) for everyday banking, savings, financing, and insurance; Firmenkunden (corporate) for business financing, cash management, structured finance, M&A support, and international finance; and Private Banking for wealth management and advisory. Its product portfolio includes current accounts (be classic, be(e) green, Student, Youth, Junior), debit and credit cards, savings and securities products, Bausparen (construction savings), consumer and housing finance, vehicle leasing, pension and life insurance, derivative products (interest rate caps, swaps, FX options), and ancillary services including real estate brokerage via Oberbank Immobilien-Service and Klassenlotterie lottery distribution.
The bank's technology stack includes the Oberbank Kundenportal (online customer portal), Oberbank App and Security App (mobile and authentication), the new oBusiness corporate online banking platform (replacing legacy ELBA), Oberbank Wallet, and integrations with Apple Pay, Google Pay, Garmin Pay, Bluecode, and Swatch Pay. Core IT infrastructure is delivered through 3 Banken IT GmbH, running VMware vSphere clusters with 2,700+ virtual servers, VMware NSX, vSphere Kubernetes Service, and Atlassian tools (Jira, Confluence), with Databricks used for data platform ETL. AI capabilities are deployed in credit analysis (AI-supported evaluations integrated into loan underwriting workflows) and customer support (chatbot).
The revenue model is classic commercial banking: net interest income from lending, fee and commission income from accounts, cards, securities, insurance distribution, and structured finance, supplemented by transaction fees from real estate brokerage and lottery distribution. The GTM motion is branch-based relationship banking with personal advisors in five countries, complemented by digital channels. In 2025 the bank reported EPS of €5.27 and ROE of 8.79%, supporting the 2026 share buyback (125,364 shares, ~0.1775% of capital) and an employee share program of approximately 122,000 shares. Subsidiaries include Oberbank Leasing (Bayern and Slovakia), Oberbank Immobilien-Service, Oberbank Infrastruktur Management, and joint venture 3 Banken-Generali Investment-Gesellschaft.
Oberbank AG firmographics
Firmographics- Name
- Oberbank AG
- Legal name
- Oberbank AG
- Website
- https://oberbank.at
- Company type
- Public
- Founded year
- 1869
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Oberbank AG is a 156-year-old publicly listed Austrian regional bank headquartered in Linz, providing retail, corporate, and private banking services across Austria, Germany, Czech Republic, Slovakia, and Hungary through a 4,700-employee branch network and digital channels.
- Ownership category
- akta.pro rank
Where Oberbank AG is headquartered
LocationHeadquarters
- HQ city
- Linz
- HQ country
- Austria
- HQ region
- Europe
Offices17 records
Markets served
Oberbank AG business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Banking Operations: Core banking revenue from interest income, fees, and commissions across retail, corporate, and private banking segments in Austria, Germany, Czech Republic, Slovakia, and Hungary. 2025 EPS: €5.27, Return on Equity: 8.79%
- Lottery Distribution: Distribution of Austrian class lottery (Klassenlotterie) tickets as a service to customers
- Real Estate Services: Oberbank Immobilien-Service Gesellschaft m.b.H. provides real estate brokerage and management services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Multi-year contract | Klassenlotterie - Zehntellos (1/10) |
| One time/ perpetual license | Multi-year contract | Klassenlotterie - Halbes Los (5/10) |
| One time/ perpetual license | Multi-year contract | Klassenlotterie - Ganzes Los (10/10) |
| One time/ perpetual license | Multi-year contract | Superklasse Add-on |
| One time/ perpetual license | Multi-year contract | Luxusklasse Add-on |
| One time/ perpetual license | Multi-year contract | Goldklasse Add-on |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
Oberbank AG product offering
Product offeringCore offering
Oberbank AG is a publicly listed Austrian regional bank that provides retail, corporate, and private banking services across Austria, Germany, Czech Republic, Slovakia, and Hungary. It offers current accounts, savings and investment products, consumer and housing financing, vehicle leasing, insurance and pension products, payment cards, and digital banking channels (online, mobile, customer portal). It also distributes Austrian class lottery tickets and provides real estate brokerage services through its subsidiary Oberbank Immobilien-Service.
Product overview
Oberbank AG offers a comprehensive regional banking platform providing consumer and corporate banking services. The core product portfolio includes multiple current account variants (be(e) green, be classic, Student, Youth, Junior accounts), card products (debit and credit cards), savings and investment products (savings accounts, construction savings, securities), financing solutions (consumer finance, housing finance, vehicle leasing), and insurance products (pension, life, accident). Digital services include the Oberbank App, Security App, customer portal, oBusiness online banking platform (replacing ELBA), and Oberbank Wallet for mobile payments. The bank also offers derivative products (interest rate caps/swaps, currency options), real estate services through its subsidiary Oberbank Immobilien-Service, class lottery services, and educational content platforms (JETZT WOHNEN, JETZT UNTERNEHMEN, JETZT VERMÖGEN).
Differentiator
Problem solved
Functional benefit
Brands
- be(e) green: Green banking account with sustainable features, includes student account option
- be classic
- be junior
- Oberbank Donau Kulinarium
- Oberbank Donau-Forum
Products and services
- Current Accounts (Konten) Girokonto and variants (be(e) green, be classic, student, youth, junior) for everyday banking needs of individual retail customers.
- Payment Cards (Debit & Credit Cards) Debitkarten for cash withdrawals and everyday payments, and Kreditkarten for flexible payment options, available to retail customers.
- Savings & Investment Products Sparkonten (savings accounts), Bausparen (construction savings for home financing), and Wertpapier-Veranlagung (securities investment) for portfolio building and secure deposits.
- Consumer & Housing Financing Konsumfinanzierung (consumer financing for personal purchases) and Wohnbaufinanzierung (housing finance and mortgage products) for retail customers.
- Insurance & Pension Products Pensionsvorsorge (pension provision), Lebensversicherung (life insurance), Ablebensvorsorge (death benefit provision), Unfallvorsorge (accident insurance) for personal risk and retirement planning.
- Vehicle Leasing (Kfz Leasing) Kfz Leasing offering for vehicle financing.
- Private Banking Services Wealth management, investment advisory, and private banking services for high-net-worth individuals.
- Corporate Banking (Firmenkunden) Firmenkonto (business accounts), corporate financing, cash management, international finance, and structured finance for corporate clients.
- Derivative Products (Interest Rate Caps, Swaps, FX Options) Zinscaps (interest rate caps), Zinsswaps (interest rate swaps), and Devisenoptionen (FX options) for hedging interest rate and currency risk, available in EUR and CZK.
- oBusiness Online Banking Platform Online banking application for corporate customers replacing the legacy Electronic Banking Software ELBA.
- Oberbank App & Mobile Banking Services Mobile banking application and customer portal for retail and corporate customers to manage accounts, perform transactions, and access banking services.
- Mobile Payment Services Contactless payment integrations including Apple Pay, Google Pay, Garmin Pay, Bluecode, Swatch Pay, and the proprietary Oberbank Wallet.
- Real Estate Services (Oberbank Immobilien-Service) Real estate brokerage, valuation, and property management services provided through subsidiary Oberbank Immobilien-Service Gesellschaft m.b.H.
- Klassenlotterie (Austrian Class Lottery Distribution) Distribution of Austrian class lottery (Klassenlotterie) tickets as an official sales partner of Österreichische Lotterien.
- Ombudsstelle (Ombudsman Service) Internal ombudsman service for extra-judicial dispute resolution, with referral to Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft.
Quantifiable outcome
- 2025 EPS of €5.27
- +1 more outcomes
Companies that use Oberbank AG
Customer profileSegments3 records
Ideal customer profiles3 records
Oberbank AG technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability2 records
Feature6 records
Oberbank AG partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor and core.
- 3 Banken-Generali Investment-Gesellschaft m.b.H.minorInvestment management company jointly operated with Generali for investment fund products and asset management services
- 3 Banken IT GmbHcoreIT services company providing technology infrastructure for the 3 Banken Group including VMware virtualization, Kubernetes services, network infrastructure, and Atlassian tools. Over 2,700 virtual servers managed.
- Oberbank Leasing GmbH BayernminorLeasing company operating in Bavaria, Germany as part of the Oberbank group structure
- Oberbank Leasing SlowakeiminorLeasing subsidiary operating in Slovakia as part of the Oberbank group structure
- Oberbank Infrastruktur Management GmbHminorSubsidiary managing infrastructure assets for the Oberbank group
- Österreichischer Verband der Immobilientreuhänder (ÖVI)minorMembership in Austrian real estate association providing guidelines and standards for real estate services through Oberbank Immobilien-Service
- Österreichische Lotterien Gesellschaft m.b.H.minorPartnership for distribution of Klassenlotterie lottery tickets to Oberbank customers
- win2dayminorOnline platform for lottery services and information (win2day.at) linked to Austrian lottery distribution
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
Oberbank AG competitors and assessment
Company assessmentDirect peers
- BAWAG Group AG: Austrian publicly listed retail and corporate bank serving retail, SME, and corporate customers across Austria and selected CEE markets — most direct head-to-head competitor with Oberbank on geography and product mix.
- Bank für Tirol und Vorarlberg AG (BTV): Austrian regional universal bank of comparable size and product scope, serving retail, corporate, and private banking clients in western Austria — directly comparable as a mid-sized Austrian regional lender.
- Hypo Vorarlberg Bank AG: Austrian regional bank operating retail, corporate, and private banking services within a defined home region — comparable peer in scale, branch-based GTM, and product breadth.
- Raiffeisenlandesbank Oberösterreich AG: Austrian regional Raiffeisen cooperative bank headquartered in the same Upper Austrian home market as Oberbank — directly competes for retail deposits and SME lending in Linz and surrounding regions.
- Volksbank Wien AG (VBW): Austrian cooperative banking group offering retail, corporate, and private banking in Austria and neighboring markets — comparable in scale and product breadth to Oberbank's domestic franchise.
Broad incumbents
- Erste Group Bank AG: Dominant Austrian banking group with the country's largest retail and savings bank franchise (Sparkassen) and CEE expansion — overlaps directly with Oberbank's retail and corporate segments but at materially larger scale.
- Raiffeisen Bank International AG: Austrian-headquartered universal bank focused heavily on CEE corporate banking — comparable in cross-border CEE strategy even though significantly larger than Oberbank.
- UniCredit Bank Austria (Bank Austria): Austrian subsidiary of UniCredit, providing universal banking to retail and corporate customers across Austria — overlaps Oberbank's customer segments and Austrian geography but with larger balance sheet.
Regional players
- Addiko Bank AG: Consumer and SME-focused bank operating across Austria, Slovenia, Croatia, Bosnia, and Serbia — comparable CEE geographic exposure but absent from Germany, Czech Republic, and Hungary.
- DenizBank AG (subsidiary of Emirates NBD): Universal bank operating in Austria (via DenizBank Austria) and Turkey, focused on retail, SME, and corporate segments — comparable focus on Austria and a CEE-adjacent footprint but with different shareholder base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Oberbank AG social profiles
Digital presenceOberbank AG compliance and trust
Trust signalCompliance10 records
Oberbank AG financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oberbank AG leadership team
Management profileNumber of profiles
Profiles5 records
Oberbank AG subsidiaries and ownership
Company hierarchySubsidiaries6 records
Oberbank AG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oberbank AG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oberbank AG
What does Oberbank AG do?
Oberbank AG is a publicly listed Austrian regional bank that provides retail, corporate, and private banking services across Austria, Germany, Czech Republic, Slovakia, and Hungary. It offers current accounts, savings and investment products, consumer and housing financing, vehicle leasing, insurance and pension products, payment cards, and digital banking channels (online, mobile, customer portal). It also distributes Austrian class lottery tickets and provides real estate brokerage services through its subsidiary Oberbank Immobilien-Service.
Is Oberbank AG a public or private company?
Oberbank AG is a public company. It is classified as public and is currently operating.
When was Oberbank AG founded?
Oberbank AG was founded in 1869. It employs 1,001 to 5,000 people.
Where is Oberbank AG based?
Oberbank AG is headquartered in Linz, Austria, in the Europe region.
How does Oberbank AG make money?
Three revenue lines are on record. Banking Operations are the primary driver. The others are lottery Distribution and real Estate Services.
Who are Oberbank AG's main competitors?
Direct peers on record are BAWAG Group AG, Bank für Tirol und Vorarlberg AG (BTV), Hypo Vorarlberg Bank AG, Raiffeisenlandesbank Oberösterreich AG and Volksbank Wien AG (VBW). Broad incumbents are Erste Group Bank AG, Raiffeisen Bank International AG and UniCredit Bank Austria (Bank Austria). Regional players are Addiko Bank AG and DenizBank AG (subsidiary of Emirates NBD).
Does Oberbank AG have an API?
No public API is recorded for Oberbank AG.