Raiffeisen Leasing

What Raiffeisen Leasing does

Raiffeisen-Leasing Österreich GmbH is a wholly-owned subsidiary of Raiffeisen Bankengruppe Österreich, headquartered in Vienna, operating one of Austria's largest leasing platforms since the 1970s. The company delivers four core product lines: Kfz-Leasing (vehicle leasing for retail consumers with brand-independent financing, flexible terms up to six years, and bundled insurance), Fuhrparkmanagement (full-service fleet management for corporate customers including financing, maintenance, insurance, tire services, and vehicle disposition via dedicated account managers and the Fuhrpark App), Mobilien-Leasing (equipment leasing for production machinery, medical devices, agricultural equipment, and green-technology assets such as photovoltaic systems and heat pumps), and Immobilien-Leasing / Kommunalfinanzierungen (commercial and municipal real estate financing plus project development through the Raiffeisen WohnBau residential brand, managing approximately 150,000 m² of commercial space). Insurance products are bundled via partnerships with Raiffeisen Versicherung and UNIQA.

The business is built on a multi-channel distribution model that exploits the parent bank's 1,500+ Raiffeisenbank branches across Austria, complemented by a 600+ dealer network for vehicle sourcing, a corporate direct-sales team, and digital self-service via the Online Leasingrechner and the Raiffeisen Leasing App. Revenue is primarily subscription/recurring — monthly lease installments on multi-year contracts (partial or full amortization), with additional managed-services fees for fleet management and one-time real estate development sales through WohnBau. Pricing is anchored to the EURIBOR reference rate plus margin, with contract fees of approximately 1% of the financing basis.

Customer segments span private individuals, corporate fleets, business equipment lessees, municipalities (energy-efficient public buildings), and residential property buyers. The company has positioned itself as the Austrian market leader in brand-independent fleet management and e-mobility, reporting a 60.3% EV share (BEV+PHEV) of new fleet contracts in 2023, supported by ISO 9001 and ISO 14001 certifications, klimaaktiv program partnership, and a LEED Platinum-credentialed commercial property (Rivergate). Recent strategic emphasis has shifted toward sustainable mobility services (RaiCharge home charging, THG-Prämie carbon-credit monetization) and voluntary VSME sustainability disclosure.

Name

Raiffeisen Leasing

Legal name

Raiffeisen-Leasing Österreich GmbH

Website

https://raiffeisen-leasing.at

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

251–500 employees

Short description

Raiffeisen Leasing, a wholly-owned subsidiary of Raiffeisen Bankengruppe Österreich, provides vehicle and equipment leasing, fleet management, real estate financing, and residential development in Austria, serving retail, corporate, municipal, and commercial property customers via bank branches and digital tools.

Ownership category

akta.pro rank

Product category

Equipment and Vehicle Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Lessors of Nonresidential Buildings (except Miniwarehouses) (531120)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industries

Auto & Vehicle Leasing (Personal Use) (FSAKANAA), Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Vehicle leasing services
• Fleet management solutions
• Equipment leasing finance
• Commercial real estate leasing
• Residential property development

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Kfz Leasing (Vehicle Leasing): Core business generating recurring revenue from monthly leasing payments for vehicles. Customers pay installments over contract terms (typically up to 6 years), with options for partial amortization (residual value) or full amortization contracts.
2. Mobilien Leasing (Equipment Leasing): Leasing of movable assets including production machines, medical equipment, agricultural machinery, and technical equipment for businesses.
3. Immobilien Leasing (Real Estate Leasing): Commercial and municipal real estate financing. The company acquires or constructs properties and leases them long-term (typically 10-20 years) to clients. Manages a commercial real estate portfolio of approximately 150,000 m².
4. Fuhrparkmanagement (Fleet Management): Comprehensive fleet management services including vehicle financing, maintenance management, insurance, tire services, and vehicle disposition for corporate customers.
5. Insurance Products: Through partnerships with Raiffeisen Versicherung and UNIQA, the company offers vehicle insurance (liability, comprehensive), gap insurance, legal protection insurance, tire insurance, and payment protection insurance as bundled offerings.
6. Real Estate Development (Wohnbau): Raiffeisen WohnBau brand develops, plans, constructs and sells residential apartments as a project developer and building contractor for the Raiffeisen Bankengruppe Österreich.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core offering

Raiffeisen Leasing provides brand-independent vehicle leasing (new and used cars, motorcycles), full-service corporate fleet management (Fuhrparkmanagement), movable asset leasing (production machinery, medical and agricultural equipment, green technologies), and commercial real estate leasing including municipal financing. The company also develops and sells residential properties through its Raiffeisen WohnBau brand, complemented by bundled insurance products and digital self-service tools.

Product overview

Raiffeisen Leasing operates as Austria's market leader in leasing services, offering a comprehensive multi-product portfolio organized around four core pillars: Kfz-Leasing (vehicle leasing) with brand-independent financing, flexible terms up to 6 years, and bundled insurance solutions including liability, comprehensive coverage, payment protection, and GAP insurance; Fuhrparkmanagement (fleet management) providing full-service administration for company fleets with dedicated mobile apps for drivers and expense management; Mobilien-Leasing (equipment leasing) for movable assets including production machinery, medical equipment, and agricultural vehicles with green technology financing for PV systems, heat pumps, and charging infrastructure; and Immobilien-Leasing (real estate leasing) encompassing commercial properties, municipal financing, and residential development through Raiffeisen WohnBau brand. The digital platform layer includes Online.Leasingrechner for self-service rate calculations, multiple branded apps (Raiffeisen Leasing App, Fuhrpark App), and online portals (Privat.Online, Firmen.Online, Partner.Online) enabling contract management, damage reporting, and partner authorizations. Core differentiators include the Restwertleasing Plus product with guaranteed residual values, the RaiCharge home charging service for E-fleets, and the Quality Living certification for residential projects.

Differentiator

Problem solved

Functional benefit

Brands

• Raiffeisen WohnBau: A brand of Raiffeisen-Leasing GmbH specializing in residential real estate development, project development, and property management. Has been successfully active as a project developer and property manager for the Raiffeisen Bankengruppe Österreich for 30 years.
• Quality Living
• Raiffeisen Leasing App
• Raiffeisen-Leasing Fuhrparkmanagement
• Green Mobility
• RaiCharge
• RaiCar
• Leasingrechner
• Quality Living

Products and services

• Kfz-Leasing (Vehicle Leasing) Brand-independent vehicle leasing for new and used cars and motorcycles for retail customers, with flexible contract terms up to 6 years, competitive online rates, partial or full amortization, and bundled insurance solutions.
• Restwertleasing Plus Residual value leasing variant where Raiffeisen-Leasing guarantees a predetermined residual value at contract end, eliminating customer disposal risk with full flexibility for contract extension, vehicle takeover, or early termination.
• Fuhrparkmanagement (Fleet Management) Full-service fleet management for corporate vehicle fleets including financing, maintenance management, insurance, tire services, CO2 reporting, e-mobility consulting, and vehicle disposition, with optional SIXT rental integration and online reporting via Mein Fuhrpark Reporting.
• Raiffeisen Leasing App Mobile application allowing customers to view leasing contracts, manage personal data, calculate and compare offers, and access exclusive partner discounts (Vorteilswelt); available for existing customers and new prospects on iOS and Android.
• Fuhrpark App Fleet management mobile application for corporate customers providing receipt documentation, breakdown assistance via bCall, online appointment booking for tire changes and repairs, navigation to cost-effective fuel stations including EV charging, and fuel card management.
• Kfz-Versicherung (Vehicle Insurance) Comprehensive vehicle insurance solutions bundled with leasing contracts, including liability, partial and comprehensive coverage, tire insurance, legal protection insurance, payment protection insurance, and GAP/purchase price protection.
• Ratenversicherung (Payment Protection Insurance) Insurance covering monthly lease payments in case of involuntary unemployment, accident, illness, or disability, paying up to EUR 2,500 per month for up to 12 months per incident (36 months total).
• RaiCharge Home Charging Service Home charging service for electric company vehicles, facilitating employer-subsidized charging at employees' residences with smart metering and tax-free reimbursement options as part of the E-fleet management offering.
• Mobilien-Leasing (Equipment Leasing) Investment leasing for movable assets including production machines, medical equipment, agricultural machinery, and technical systems, offering bilaterally neutral financing with tax advantages and flexible contract structures.
• Green Technology Leasing Specialized financing for green technologies including photovoltaic systems, solar thermal, battery storage, charging stations, wallboxes, pellet heating, and heat pumps for both private and business customers.
• Immobilien-Leasing (Real Estate Leasing) Long-term real estate financing solutions (typically 10–20 years) for commercial properties, logistics centers, production facilities, office buildings, shopping centers, and healthcare facilities, with project management and construction services.
• Kommunalfinanzierungen (Municipal Financing) Specialized financing solutions for Austrian municipalities covering schools, kindergartens, sports halls, municipal offices, nursing homes, and fire stations, including energy-efficient construction and renovation (EEBS) solutions with cost guarantees.
• Gewerbliche Immobilienprojekte (Commercial Real Estate Projects) Development and construction of commercial properties including shopping centers, specialist retail centers, hotels, logistics centers, and office buildings, with a total usable area of approximately 150,000 m² across Austria, Hungary, Czech Republic, Poland, and Germany.
• Raiffeisen WohnBau (Residential Property Development) Residential property development as project developer and property constructor for the Raiffeisen Bankengruppe Österreich, developing, planning, constructing, and selling free-financed apartments under the Quality Living certification standard.
• Online Leasingrechner (Online Leasing Calculator) Digital self-service tool allowing customers to configure vehicles, select down payment, term, and residual value to calculate personalized monthly leasing rates, with online contract initiation and IDnow-based digital identification.
• E-Mobilität (E-Mobility Consulting and Eco-Fleet) Electric mobility consulting service for fleets, including driving profile analysis, test drive support, funding application assistance, and eco-fleet management according to ISO 14001, supported by a 60.3% E-vehicle share of new contracts in 2023.
• Raiffeisen-Leasing E-Autoprämie (THG-Prämie) THG quota incentive program enabling E-vehicle users to monetize greenhouse-gas reduction certificates tied to their leased electric vehicles.

Quantifiable outcome

• 60.3% E-vehicle share (BEV, PHEV) of all new contracts in 2023
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• SIXTcoreChannel Partner/ Reseller/ DistributorSIXT is the rental car partner for Raiffeisen-Leasing Fuhrparkmanagement. They provide vehicle rental solutions across Austria with 26 stations. Services include cashless settlement, low deductible liability limits, and fuel card usage. Rental costs are billed through Raiffeisen-Leasing Fuhrparkmanagement.
• UNIQA VersicherungcoreChannel Partner/ Reseller/ DistributorUNIQA provides insurance products for Raiffeisen-Leasing customers including payment protection insurance (Ratenversicherung) and vehicle damage claims processing. Online claim submission is handled through UNIQA.
• Raiffeisen VersicherungcoreChannel Partner/ Reseller/ DistributorRaiffeisen Versicherung provides Kfz insurance products including liability and comprehensive coverage with unique single malus stage system, legal protection insurance, and 24/7 service hotline. Products are bundled with leasing contracts.
• ÖAMTC ePowercoreStrategic or Co-development PartnerPartnership for public EV charging infrastructure. Raiffeisen-Leasing offers home charging solutions (RaiCharge) and cooperates with ÖAMTC ePower for public charging access for fleet customers.
• TÜV AustriaminorOthersTÜV Austria conducts ISO 9001:2015 and ISO 14001:2015 certifications for Raiffeisen-Leasing Fuhrparkmanagement.
• Verband Österreichischer Leasing-Gesellschaften (VÖL)minorOthersRaiffeisen-Leasing is a member of the Austrian Leasing Association, participating in development of quality standards for the leasing industry.
• Klimafonds (Austrian Climate Fund)minorOthersRaiffeisen-Leasing participates in Austrian climate fund programs for e-mobility promotion and advises customers on available subsidies and grants.
• Bundesverband Elektromobilität Österreich (BEÖ)minorOthersRaiffeisen-Leasing is a member of Austrian e-mobility association, participating in industry initiatives and promoting electric vehicle adoption.
• WillhabenminorChannel Partner/ Reseller/ DistributorWillhaben is Austria's largest marketplace. Raiffeisen-Leasing uses Willhaben for RaiCar used car listings, allowing customers to browse and purchase used vehicles through the platform.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sixt Leasing: German-based leasing and fleet management company with strong DACH region presence and online leasing platform. Directly comparable to Raiffeisen-Leasing's Kfz-Leasing and Fuhrparkmanagement businesses, and an actual partner of Raiffeisen for rental car services.
• LeasePlan: One of the world's largest fleet management and vehicle leasing companies, operating across Europe including Austria. Comparable to Raiffeisen-Leasing's Fuhrparkmanagement division in terms of full-service corporate fleet offerings, multi-country presence, and brand-independent vehicle sourcing.
• UniCredit Leasing: Pan-European leasing company owned by UniCredit, with operations in Austria via Bank Austria. Comparable multi-product leasing portfolio spanning vehicle, equipment, and real estate leasing for retail and corporate customers across Central Europe.
• Arval: BNP Paribas subsidiary providing full-service vehicle leasing and fleet management across Europe. Comparable to Raiffeisen-Leasing's corporate fleet business with similar multi-country reach, sustainable mobility solutions, and integrated digital fleet tools.
• Volkswagen Financial Services: Captive finance and leasing arm of the Volkswagen Group operating across Europe including Austria. Comparable in scale, vehicle leasing expertise, and corporate fleet offerings, though captive to VW brands while Raiffeisen-Leasing maintains brand independence.
• Athlon (Mercedes-Benz Mobility): International fleet management and vehicle leasing company owned by Mercedes-Benz Mobility. Direct competitor in Austrian and European fleet management with comparable full-service offering, though with Mercedes-Benz OEM alignment versus Raiffeisen-Leasing's brand independence.
• ALD Automotive: Global fleet management and vehicle leasing leader (now merged with LeasePlan as Ayvens). Direct competitor in Austrian and European fleet management markets with comparable full-service offerings including financing, maintenance, insurance, and vehicle disposition.

Broad incumbents

• BAWAG Group: Major Austrian bank with consumer and corporate lending operations including leasing products. Broad incumbent competitor in Austrian retail vehicle financing with similar bank-distribution model, though leasing is one of many product lines versus Raiffeisen-Leasing's specialization.
• BMW Financial Services: Captive finance and leasing division of BMW Group operating across Europe. Comparable in vehicle leasing expertise and corporate fleet services, though specialized to BMW/Mini brands while Raiffeisen-Leasing serves all vehicle brands.
• Toyota Financial Services: Captive finance arm of Toyota operating across Europe including Austria. Provides vehicle leasing and financing with broad automotive finance capabilities, though captive to Toyota brands versus Raiffeisen-Leasing's brand-independent positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/raiffeisenleasingat
• LinkedInlinkedin.com/company/raiffeisen-leasing

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiffeisen Leasing