Raiffeisenbank Region Schallaburg eGen

What Raiffeisenbank Region Schallaburg eGen does

Raiffeisenbank Region Schallaburg eGen is a regional cooperative bank (eingetragene Genossenschaft) headquartered in Loosdorf, Lower Austria, founded in 1896 and operating under the broader Raiffeisen Banking Group umbrella with Raiffeisenlandesbank Niederösterreich-Wien as its regional apex institution. The bank serves approximately 20,000 customers through 8 physical branches spanning the Schallaburg region, employing 81 staff, and manages €1.5 billion in customer volume (Money under Management). As a Genossenschaftsbank, its members are simultaneously customers and co-owners, a structure operationalized through the Mit.Einander membership program.

The bank offers a full-service retail and commercial banking product suite: accounts, cards, credit and leasing, savings, securities (Wertpapierdepot), precious metals, digital wealth management via the WILL robo-advisor, insurance and pension products, real estate financing through the WohnTraumCenter, and business banking services including factoring, cash management, and international trade support. Its core technology platform is Mein ELBA, a proprietary online and mobile banking system (iOS, Android, Huawei) extended with mobile payment integrations (Apple Pay, Google Pay, Garmin Pay, SwatchPAY!, Bluecode), Bitpanda digital asset trading access, and the Börse360° capital market app. Authentication is handled via pushTAN. The bank runs segmented service lines for physicians, freelancers, farmers, municipalities, and associations, supplemented by dedicated retail, premium, and business banking teams.

Revenue is generated through traditional banking mechanics: net interest income on loans, mortgages, and credit facilities; account and transaction fees; commissions from securities trading, wealth management, and insurance products; and real estate financing margins. Distribution is hybrid, combining relationship-driven branch advisory with self-serve digital channels. Marketing emphasizes community engagement through member evenings, business breakfasts, economic forums, and regional sponsorships rather than aggressive commercial acquisition. The bank is privately held under cooperative ownership and is not listed on any exchange.

Name

Raiffeisenbank Region Schallaburg eGen

Legal name

Raiffeisenbank Region Schallaburg eGen

Website

https://rbrs.at

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

51–100 employees

Short description

Raiffeisenbank Region Schallaburg eGen is a regional Austrian cooperative bank serving 20,000 retail and business customers across 8 branches in Lower Austria with comprehensive banking, financing, investment, insurance, and digital banking services.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industries

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Cooperative banking
• Retail banking services
• Mortgage lending
• Business banking
• Digital banking

Headquarters

HQ city

Loosdorf

HQ country

Austria

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, mortgages, and credit facilities extended to retail and business customers.
2. Account and Transaction Fees: Fees for account maintenance, transactions, card services, and electronic banking services.
3. Investment and Securities Services: Revenue from securities trading, wealth management, and digital asset services including Bitpanda access.
4. Insurance and Pension Products: Commission revenue from insurance products, pension funds, and retirement planning services.
5. Real Estate Financing: Mortgage lending, housing finance, and building society (Bausparen) products through the WohnTraumCenter.

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Regional cooperative bank (eingetragene Genossenschaft) headquartered in the Schallaburg region of Lower Austria, offering retail and business banking services including payment accounts, mortgage and real-estate financing, investment products, insurance brokerage, and digital banking via the Mein ELBA platform to approximately 20,000 customers across 8 branches.

Product overview

Raiffeisenbank Region Schallaburg eGen operates as a regional cooperative bank (Genossenschaftsbank) offering a comprehensive suite of banking products through both physical branch locations and digital channels. The core digital banking platform is Mein ELBA (web and mobile app), supported by specialized products including WILL (digital wealth management), Börse360° (capital market information app), WohnTraumCenter (real estate services), and Bitpanda (digital asset trading integration). Private customer offerings include accounts (Konto), cards (Karte), credit & leasing, savings (Sparen), investing (Anlegen), and insurance (Vorsorgen & Versichern). Business services include payment processing, electronic banking, cash management, factoring, and sector-specific solutions. The bank maintains 8 branches serving approximately 20,000 customers and 81 employees, with focus on regional financial services and personal advisory.

Differentiator

Problem solved

Functional benefit

Brands

• Mit.Einander: The cooperative membership program where members are not just customers but co-owners of the bank and can benefit from various advantages
• Mein ELBA
• Raiffeisen INFINITY
• WILL
• WohnTraumCenter
• Raiffeisen Mobil
• Bitpanda

Products and services

• Mein ELBA Digital Banking
• WohnTraumCenter Real Estate Financing
• WILL Financial Planning Tool
• Börse360° Securities Platform
• Insurance Brokerage Services
• Business Banking Services
• Mobile Payment Solutions

Quantifiable outcome

• €1.5 billion customer volume managed (Money under Management)
• +3 more outcomes

Named customers2 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Lagerhaus Mostviertel MittecoreStrategic or Co-development PartnerRegional agricultural cooperative partnership for joint customer events. Organized the Bau-Infoabend (Construction Info Evening) together, combining agricultural supplies and financial services expertise for construction and renovation customers in the region.
• Raiffeisenlandesbank Niederösterreich-WiencoreStrategic or Co-development PartnerParent organization providing strategic direction, technology platforms, and regional banking support. Dr. Roland Mechtler, Vorstandsdirektor, attended the 2026 Generalversammlung as guest speaker discussing technological developments including AI in banking.
• Raiffeisen BausparkassecoreChannel Partner/ Reseller/ DistributorBuilding society partner providing housing savings and construction financing products, accessible through the Wohn-Portal der Raiffeisen Bausparkasse and the bank's WohnTraumCenter.
• Raiffeisen ImmobilienminorStrategic or Co-development PartnerReal estate services partner providing property buying and selling advisory services. Representatives attended the Bau-Infoabend to provide inputs on property transactions.
• Raiffeisenbank Gruppe (Austrian Raiffeisen Banking Group)coreStrategic or Co-development PartnerCentral brand and organizational network providing shared technology platforms (Mein ELBA), product frameworks, marketing campaigns, and brand identity. Enables cross-selling of group products including insurance, asset management, and digital services.

Scale indicators6 records

Recent moves8 records

Expansion highlights4 records

Regional players

• Oberbank AG: Austrian regional bank (Lin-headquartered) with a multi-branch retail and corporate model similar in structure to a regional cooperative, though operating outside Lower Austria. Comparable in scale and product mix.

Broad incumbents

• DZ BANK AG: Central institution of the German cooperative banking sector (Volksbanken und Raiffeisenbanken). Relevant broad incumbent for group-level platform, technology, and strategic benchmarking in the cooperative banking model.
• BAWAG Group AG: Large publicly listed Austrian retail and SME bank with a strong branch and digital network. A relevant broad incumbent peer, especially in consumer lending and deposit gathering where it overlaps with regional cooperatives.
• Erste Group Bank AG: One of the largest banking groups in CEE and a leading retail bank in Austria, providing comparable retail and SME products at national scale. A broad incumbent that competes for the same Austrian customers across digital and physical channels.
• UniCredit Bank Austria AG: Major Austrian retail and corporate bank and UniCredit subsidiary, offering the full product set in branches and digital channels. Directly competes for retail and SME customers in Lower Austria.
• Raiffeisenlandesbank Niederösterreich-Wien AG: Parent organization and regional central institution of the Austrian Raiffeisen group in Lower Austria and Vienna. The natural apex peer and group-level strategic/technology counterpart to the local cooperative.

Direct peers

• HYPO NOE Landesbank für Niederösterreich und Wien AG: Regional Landesbank headquartered in Lower Austria serving retail, corporate, and public-sector clients. Comparable as a regional Austrian bank with similar product breadth and Lower Austria focus.
• Volksbank Niederösterreich AG: Another cooperative Volksbanken member institution operating in Lower Austria with a similar regional retail and SME banking model. Directly comparable as a member-owned, multi-branch Austrian cooperative bank.
• Sparkasse Niederösterreich Mitte West AG: Austrian Sparkasse (savings bank) operating in the same Lower Austrian region with a comparable mix of retail, SME, and private banking services and similar community/municipality focus.
• Volksbank Wien AG: Vienna-based Volksbank cooperative member institution with a similar retail, SME, and wealth-management focus. Direct peer within the Austrian Volksbanken cooperative network, mirroring the Raiffeisen cooperative structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/rbschallaburg
• Instagraminstagram.com/rbschallaburg
• LinkedInlinkedin.com/company/rbschallaburg

Revenue estimate

Valuation estimate

Number of profiles

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 Region Schallaburg eGen