Raiffeisenlandesbank OÖ

What Raiffeisenlandesbank OÖ does

Raiffeisenlandesbank OÖ (legal entity: Raiffeisenlandesbank Oberösterreich Aktiengesellschaft) is a regional Landesbank headquartered in Linz, Upper Austria, providing a full-service retail and commercial banking platform. The bank was founded in 1890 as part of the Austrian Raiffeisen cooperative banking movement and operates within the broader Raiffeisen Bankengruppe network. It serves private customers (retail accounts, youth, students, families) and business customers (SMEs, professionals, farmers, municipalities, doctors) through a hybrid distribution model combining a regional branch network across Upper Austria with digital banking channels. Revenue is generated through net interest income from lending (consumer credit, mortgages, business loans, leasing), transaction and account fees, distribution of investment and insurance products, and digital services including Raiffeisen Mobil telecom offerings.

The bank's technology platform is anchored by Mein ELBA (online and mobile banking), INFINITY Business Banking (corporate portal), and a portfolio of sub-brand applications including RaiPay (digital wallet), Börse360° (capital markets app), and WILL Digitale Vermögensverwaltung (digital asset management). The technology stack supports standard digital banking features (account management, card controls, transfers, security) and integrates with major mobile payment ecosystems (Google Pay, Apple Pay, Bluecode). The bank operates under Austrian banking regulation with deposit protection up to €100,000 and is distinguished by its regional ownership structure emphasizing local decision-making. Its competitive positioning rests on 125+ years of brand heritage, the Giebelkreuz brand recognition, and a diversified product portfolio spanning accounts, credit, savings, securities, insurance, leasing, and digital payment services.

Name

Raiffeisenlandesbank OÖ

Legal name

Raiffeisenlandesbank Oberösterreich Aktiengesellschaft

Website

https://rlbooe.at

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Raiffeisenlandesbank OÖ is a regional Landesbank headquartered in Linz, Austria, providing retail and commercial banking, lending, investment, insurance, and digital payment services to private individuals, SMEs, professionals, and municipalities throughout Upper Austria as part of the Raiffeisen Bankengruppe.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

akta.pro secondary industry

Export Credit Agencies (ECAs) & Trade Finance Institutions (BPADACAF)

Keywords

• Regional banking services
• Corporate financing
• Digital banking
• Wealth management
• Mortgage lending

Headquarters

HQ city

Kirchschlag Bei Linz

HQ country

Austria

HQ region

Europe

Offices1 record

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: Core banking revenue from lending activities including consumer credits, mortgages, business loans, and leasing arrangements
2. Transaction and Account Fees: Fees from payment processing, wire transfers, foreign transactions, account maintenance, and card services
3. Investment and Insurance Products: Distribution revenue from securities, investment funds, insurance products, and wealth management services including WILL Digital Asset Management
4. Digital Services: Revenue from telecom services (Raiffeisen Mobil), premium banking features, and mobile payment services

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Raiffeisenlandesbank OÖ is a regional bank headquartered in Linz that provides full-service retail and corporate banking across Upper Austria, including current and savings accounts, consumer and mortgage loans, leasing, securities custody, investment funds, insurance distribution, and payment services. It serves individual customers, SMEs, professionals, farmers, and municipalities through a hybrid model of regional branch advisory and digital banking platforms such as Mein ELBA, Mein ELBA-App, and INFINITY Business Banking.

Product overview

Raiffeisenlandesbank OÖ operates as a regional bank offering a platform-plus-modules architecture centered on its core digital banking ecosystem. The primary customer-facing products include Mein ELBA (online banking platform) and Mein ELBA-App (mobile banking), complemented by Raiffeisen INFINITY for business banking. The product suite extends to specialized digital services including RaiPay (mobile payments), Börse360° (capital market app), WILL Digitale Vermögensverwaltung (digital wealth management), and Raiffeisen Mobil (mobile tariffs). Traditional banking products include various account types (Girokonto, Jugendkonto, Studentenkonto), credit offerings (Konsumkredit, Sofort Kredit, Wohnfinanzierung, Auto-Leasing), savings products (Online Sparen, Bausparen, Sumsi Sparen), investment services (Wertpapier-Depot), and card products (Debitkarte, Kreditkarte).

Differentiator

Problem solved

Functional benefit

Brands

• Mein ELBA: Online and mobile banking platform for retail customers
• Raiffeisen INFINITY
• Börse360°
• RaiPay
• Raiffeisen Mobil
• WILL
• Privat BANK

Products and services

• Mein ELBA Online Banking Online banking platform providing account management, transactions, and financial overview for retail customers.
• Mein ELBA Mobile App Mobile banking application enabling account access, transactions, and banking services on smartphones and tablets.
• Raiffeisen INFINITY Business Banking Business banking portal for corporate customers offering advanced online banking features and company financial management tools.
• RaiPay Digital card solution enabling contactless mobile payments with Android smartphones and card management features.
• Börse360° App Capital market application providing financial market information, investment tools, and market data for investors.
• WILL Digitale Vermögensverwaltung Digital wealth management service providing automated investment advisory and portfolio management.
• Raiffeisen Mobil Mobile phone tariff service offering smartphone plans (S, M, L) and mobile internet packages for customers.
• Girokonto Current account for daily banking transactions with standard features including overdraft facilities.
• Jugendkonto Youth account tailored for young customers with age-appropriate features and benefits.
• Studentenkonto Student account with special conditions and services designed for university and college students.
• Konsumkredit Consumer loan product for financing personal purchases and expenditures.
• Sofort Kredit Instant credit product providing quick loan decisions and disbursement for immediate financing needs.
• Wohnfinanzierung Home financing and mortgage loan products for purchasing or constructing residential property.
• Auto-Leasing Vehicle leasing service for financing cars and other vehicles.
• Online Sparen Online savings product with competitive interest rates and flexible term options.
• Bausparen Building savings scheme combining savings deposits with subsidized loans for home construction and renovation.
• Sumsi Sparen Children's savings account with Sumsi mascot for teaching kids about saving money.
• Wertpapier-Depot Securities custody account for holding and managing investments in stocks, bonds, and funds.
• Debitkarte Debit card for cash withdrawals and payments directly linked to the customer's account.
• Kreditkarte Credit card product with worldwide acceptance, insurance protection, and customizable limits.
• Insurance and Pension Products Distribution of pension, life, accident, disability, health, home, motor, legal protection, and e-bike insurance products for retail customers.
• Geschäftskonto Business current account for corporate customers handling payment transactions and liquidity management.
• Corporate Financing Solutions Working capital lines, factoring, project and investment financing, real estate project financing, corporate leasing, export financing, subsidized financing, private equity/mezzanine capital, and EIB global loans for corporate clients.
• Payment and Cash Management Solutions Business cards, payment and collection solutions (Bezahllösungen), night safe deposit (Losungsabfuhr), and foreign payment services for corporate clients.
• Corporate Treasury and Investment Services Treasury, investment, and market commentary services including MiFID II/LEI support for corporate clients.
• Google Pay Integration Contactless mobile payment integration enabling Android smartphone payments using Raiffeisen cards.
• Apple Pay Integration Contactless mobile payment integration for iPhone and Apple Watch using Raiffeisen cards.
• Bluecode Integration Austrian mobile payment solution for contactless payments in Austria and Germany using Raiffeisen cards.
• Specialized Banking for Medical Professionals Banking, financing, and asset management services tailored for doctors and medical practitioners.
• Agricultural Banking Services Agricultural and farm management financing, equipment leasing (Landmaschinen/Baumaschinen), and seasonal cash flow support for farmers.
• Municipal Banking Services Public treasury management and municipal investment financing for local government entities.
• Privat BANK Private Banking Private banking services for high-net-worth retail customers under the Privat BANK brand.

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Raiffeisen BankengruppecoreOthersCore banking group membership within the Austrian Raiffeisen cooperative banking network. Provides shared services, product range, risk management, and brand association. Raiffeisenlandesbank OÖ operates as a key member institution within this network.
• Raiffeisen IMPULS-LeasingcoreTechnology or IntegrationLeasing services provider mentioned for agricultural machinery (Landmaschinen) and construction equipment (Baumaschinen) leasing products. Integrates specialized equipment financing into Raiffeisen's product portfolio.
• Österreichische Raiffeisen-EinlagensicherungcoreOthersDeposit insurance scheme providing protection up to €100,000 per depositor as part of the Austrian banking system's regulatory framework and consumer protection.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Erste Group Bank AG: Largest Austrian banking group with nationwide retail and commercial banking plus CEE operations. A broad incumbent peer offering the same products as RLB OÖ but at national scale and with materially larger capital base.
• UniCredit Bank Austria AG: Major Austrian universal bank within the UniCredit group, providing retail, corporate, and investment banking across Austria. Competes with RLB OÖ for Upper Austrian retail and SME customers with greater scale and product breadth.
• BAWAG Group AG: Austrian universal bank with retail, SME, corporate, and treasury offerings, formed through consolidation of regional players. National-scale competitor to RLB OÖ with listed-company capital flexibility and demonstrated M&A appetite.

Direct peers

• BTV Vier Länder Bank AG: Austrian regional bank with corporate, retail, and private banking across western Austrian states. Similar mid-sized regional commercial bank profile, providing a benchmark for regional player economics outside Upper Austria.
• Sparkasse Oberösterreich: Regional savings bank focused on Upper Austria, providing retail accounts, mortgages, business banking, and public-sector services. Geographic and product overlap makes it a direct in-market peer competing for the same household and SME relationships.
• Oberbank AG: Independent listed regional bank headquartered in Linz, Austria, serving Upper Austria and adjacent regions with corporate, retail, and leasing services. Strong geographic overlap and similar mid-sized regional banking profile.
• HYPO NOE Niederösterreich und Wien AG: Austrian state-level bank (Landesbank) operating under the same institutional Landesbank structure as RLB OÖ, focused on Lower Austria and Vienna. Comparable regional state-bank mandate, deposit base, and product mix targeting retail and public-sector clients.
• Volksbank AG: Austrian cooperative banking group providing retail, SME, and corporate banking through a regional primary-bank model. Comparable ownership structure (cooperative members) and product breadth make it a closely aligned direct peer for RLB OÖ.
• Raiffeisenlandesbank Niederösterreich-Wien: Sister institution within the Raiffeisen Bankengruppe providing retail, commercial, trade finance, and wealth services in Lower Austria and Vienna. Operates under the same cooperative banking model with analogous product suite and target segments, making it the most directly comparable peer.

Others

• Raiffeisen Bank International AG: Listed parent/affiliate within the wider Raiffeisen network providing wholesale, corporate, and retail banking across CEE. Operates in a separate tier from RLB OÖ (network-level rather than regional retail) but is closely related through shared cooperative ownership and group affiliation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/raiffeisenooe
• Facebookfacebook.com/raiffeisenooe
• LinkedInlinkedin.com/company/raiffeisenlandesbank-oberoesterreich
• Instagraminstagram.com/raiffeisen.ooe

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Raiffeisenlandesbank OÖ