Raiffeisenbank Schrozberg-Rot am See eG

What Raiffeisenbank Schrozberg-Rot am See eG does

Raiffeisenbank Schrozberg-Rot am See eG is a German cooperative bank (eingetragene Genossenschaft) operating in the Schrozberg and Rot am See municipalities of Baden-Württemberg, Germany. The bank serves private customers (Privatkunden) and small/medium-sized business customers (Firmenkunden) within a local catchment of approximately 11,500 residents, operating two physical branches (Schrozberg headquarters at Rothenburger Weg 2 and Rot am See) with 11 employees under the cooperative ownership principle "Meine Bank gehört mir" (My bank belongs to me). The bank is part of the broader Raiffeisen/Volksbanken cooperative banking network backed by the DZ Bank Group.

The product portfolio spans retail and commercial banking: current accounts and payments (Girokonto & Bezahlen), credit and financing (Kredit & Finanzieren), real estate and mortgages (Immobilie & Wohnen), retirement planning (Zukunft & Vorsorgen), insurance distribution (Versicherung & Schützen), and investment and savings products (Geldanlage & Sparen). Specialized offerings include Gewinnsparen (a savings-lottery program that channels portions of deposits into charitable donations), Mastercard debit cards for international payments, JuniorDepot children's investment depot, and a Versicherungs-Check insurance review service. Distribution is hybrid: physical branches with personal advisory, the Online-Banking web portal, the VR Banking App, and the proprietary Raiba Online-Support live screen-sharing assistance tool accessed at 07935 9112-0 / [email protected].

Revenue is generated through three primary streams: net interest income from loans and mortgages held on the local balance sheet, account maintenance and transaction fees, and commission income from cross-selling partner products. Commission partnerships cover five distribution relationships: R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (home savings), SDK (health insurance), TeamBank (easyCredit consumer loans), and Union Investment (mutual funds and asset management). Pricing is not publicly disclosed; fees are set through individual consultation. Active community engagement through Gewinnsparen charitable donations (kindergarten, school projects, and the Schrozberger Sommer community event) reinforces the cooperative's local identity. The bank holds no subsidiaries, has no parent company, is not publicly traded, and discloses no revenue figures.

Name

Raiffeisenbank Schrozberg-Rot am See eG

Legal name

Raiffeisenbank Schrozberg-Rot am See eG

Website

https://unsere-raiba.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Schrozberg-Rot am See eG is a German member-owned cooperative bank serving private and business customers in Schrozberg and Rot am See, Baden-Württemberg via two branches and 11 employees, offering retail banking, lending, insurance, and investment products through the Raiffeisen cooperative network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Unions (52213)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

akta.pro secondary industry

Remittances & Retail FX (Consumer Cross-Border) (FSABAAAK)

Keywords

• Cooperative banking
• Retail banking
• Consumer lending
• Mortgage financing
• Business banking

Headquarters

HQ city

Schrozberg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans, mortgages, and other credit products extended to private and business customers.
2. Account and Transaction Fees: Fees from account maintenance, wire transfers, and other banking transaction services.
3. Commission Income: Commissions from sale of insurance products (R+V Versicherung), building society products (Bausparkasse Schwäbisch Hall), health insurance (SDK), investment products (Union Investment), and consumer loans (TeamBank).

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Raiffeisenbank Schrozberg-Rot am See eG is a regional cooperative bank (eingetragene Genossenschaft) that provides retail and corporate banking services, including current accounts and payments, consumer and business loans, mortgages and real estate financing, savings and investment products, insurance brokerage, and lottery savings (Gewinnsparen). The bank delivers its services through local branch offices supplemented by digital channels such as online banking, the VR Banking App, and a dedicated online support service.

Product overview

Raiffeisenbank Schrozberg-Rot am See eG is a regional cooperative bank offering a comprehensive portfolio of retail and business banking services. The core banking platform encompasses current account services (Girokonto & Bezahlen), credit and financing products (Kredit & Finanzieren), real estate services (Immobilie & Wohnen), future planning (Zukunft & Vorsorgen), insurance products (Versicherung & Schützen), and investment/savings products (Geldanlage & Sparen). Digital channels include Online-Banking and the VR Banking App. The bank also offers specialized products such as Gewinnsparen (a savings program with lottery elements and charitable donations), Mastercard debit cards for international payments, and the JuniorDepot for children's investments. Value-added services include the Versicherungs-Check for insurance reviews and Raiba Online-Support for electronic banking assistance.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto & Bezahlen (Current Accounts & Payments)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Five partnerships are on record, tiered minor.

• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society partnership providing home savings and construction financing products. Customers can access Bausparkasse Schwäbisch Hall products through the bank, with contract termination/widerruf processes managed directly through the partner.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorInsurance partnership offering property, liability, and other insurance products. Part of the broader Raiffeisen cooperative insurance network.
• SDK – Süddeutsche KrankenversicherungminorChannel Partner/ Reseller/ DistributorHealth insurance partnership providing private health insurance products to bank customers.
• TeamBankminorChannel Partner/ Reseller/ DistributorConsumer lending partnership offering installment loans and credit products under the easycredit brand.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment management partnership providing mutual funds, asset management, and investment advisory services. Part of the DZ Bank group.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• DZ BANK AG Deutsche Zentral-Genossenschaftsbank: Central institution and holding entity of the Volksbanken Raiffeisenbanken cooperative financial network; powers Union Investment and other partner products that Raiffeisenbank Schrozberg-Rot am See distributes, making it both an umbrella and an indirect competitor for capital and product decisions.
• Volksbank Stuttgart eG: Larger Volksbank cooperative serving the Stuttgart metropolitan area; comparable member-owned operating model and product breadth, but materially larger scale and broader digital capabilities that set the upper-bound regional benchmark.
• Postbank - eine Niederlassung der Deutsche Bank AG: Large German retail bank with national branch and digital coverage; competes with the same deposit, current account and consumer credit services across rural Baden-Württemberg, though at a different scale and without the local cooperative identity.

Direct peers

• Volksbank Backnang eG: Cooperatively-owned Volksbank in a similar small-town Baden-Württemberg catchment; comparable headcount-class cooperative running retail accounts, member lending, and partner-mediated insurance and investment distribution.
• Kreissparkasse Heilbronn: Mid-sized savings bank in the broader Hohenlohe/Franken region; competes for SME and retail customers just outside Raiffeisenbank Schrozberg-Rot am See's core catchment with the same deposit-taking, lending and cooperative-channel model.
• Kreissparkasse Schwäbisch Hall: Public-law savings bank operating in the same Baden-Württemberg region; competes head-to-head for retail and SME customers in the Schrozberg/Rot am See corridor with a comparable deposit, lending and payments proposition.
• Volksbank Hohenlohe eG: Neighbouring cooperative bank serving Hohenlohe with the same Raiffeisen/Volksbank cooperative ownership structure, comparable member-flavour retail and SME banking, and overlapping product partnerships.
• Sparkasse Tauberfranken: Regional savings bank serving the adjacent Tauberfranken area; mirrors a small-town German public-sector bank competing for the same private and business customers via branches, Online-Banking and Sparkassen-App.
• Raiffeisenbank Oberes Gäu eG: Another small Raiffeisen cooperative bank in Baden-Württemberg; nearly identical legal form (eingetragene Genossenschaft), product set, regional branding, and reliance on DZ Bank group partnerships.

Emerging players

• ING-DiBa (ING Deutschland): Germany's largest direct bank offering online current accounts, consumer credit and investment products to the same nationwide retail customer pool; relevant as the principal digital-first threat to small-branch cooperative banks in Germany.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-schrozberg-rot-am-see-eg

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Raiffeisenbank Schrozberg-Rot am See eG