hypo steiermark

What hypo steiermark does

Raiffeisen-Landesbank Steiermark AG, which absorbed the former HYPO Steiermark, is an Austrian regional universal bank headquartered in Graz, Styria, operating under §1 of the Austrian Banking Act (BWG) and supervised by the FMA and Oesterreichische Nationalbank. The bank functions as the Sektorbank and Servicezentrale of the Styrian Raiffeisen banks, serving retail customers, SMEs, large corporates, agricultural businesses, municipalities, high-net-worth individuals, and medical professionals/freelancers across Styria and selected cross-border corporate markets. It distributes its products and services through 10 physical branches (9 in Graz, 1 in Frohnleiten), supplemented by the Mein ELBA web and mobile banking platform, the INFINITY corporate banking portal, WILL digital wealth management, and Cisco Webex-based Videoberatung.

Core products span payment services, debit and credit card operations, mortgage and consumer lending, leasing, business financing, factoring, foreign trade, treasury, securities brokerage via Raiffeisen Centrobank, and insurance intermediation with Raiffeisen Versicherung (RVS). Private Banking services include asset management, tax-optimized investment, succession planning, foundation management, and alternative investments. The digital stack — Mein ELBA, Mein ELBA-App, INFINITY, WILL, RaiPay, Börse360°-App, and Fuhrpark App — is largely shared group infrastructure operated by Raiffeisen Software GmbH and RAITEC GmbH within the Raiffeisen-Bankengruppe Österreich.

The revenue model is diversified across net interest income from lending, transaction fees on payments and cards, recurring securities and wealth management fees, subscription-style electronic banking fees, and insurance commissions. Pricing is non-public and contracted individually per price sheet. Recent strategic activity is consolidative: the HYPO Steiermark merger and the 2025 transfer of the Bruck an der Mur and Leibnitz branches to local Raiffeisen cooperatives indicate footprint rationalization rather than growth.

Name

hypo steiermark

Legal name

HYPO Steiermark (vormalige)

Website

https://premiumbanking.eu

Company type

Private

Operating status

Acquired

Short description

Raiffeisen-Landesbank Steiermark AG (successor to Hypo Steiermark) is a Styrian universal bank that serves retail, SME, corporate, and HNW clients across Austria via 10 branches and the Mein ELBA, INFINITY, and WILL digital platforms.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Investment Advice (6282), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)

akta.pro secondary industries

Private Client/High-Net-Worth Advisory (FSAEAAAN), Wealth Lending & Margin / Securities-Backed Lines (Retail) (FSAAAAAN)

Keywords

• Mortgage lending
• Private banking
• Corporate banking
• Wealth management
• Retail banking

Headquarters

HQ city

Graz

HQ country

Austria

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Payment Services: Payment transaction fees from domestic and international wire transfers, direct debits, and card-based transactions. The bank operates in all areas of banking as defined under Austrian Banking Act §1 BWG.
2. Debit and Credit Card Operations: Debit card issuance and interchange fees. Credit cards are not issued directly by the bank; the bank acts as an intermediary/broker for credit card products.
3. Securities and Investment Services: Revenue from securities brokerage, custody, and investment management services, including the Raiffeisen Vermögensverwaltung (wealth management) and WILL digital wealth management offerings.
4. Credit and Lending: Interest income from mortgage lending, consumer credit, business financing, and leasing arrangements.
5. Electronic Banking Services: Fees for electronic banking services including Mein ELBA platform access, INFINITY corporate banking, and related digital services.
6. Insurance Intermediation: The bank intermediates insurance products through its VersicherungsKooperationspartner RVS (Raiffeisen Versicherung), earning commission on placed policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Hypo Steiermark (now Raiffeisen-Landesbank Steiermark AG) is an Austrian universal bank operating across all areas of banking per §1 BWG. It provides retail banking (accounts, cards, consumer credit, mortgages/savings financing), corporate banking (working capital, investment/project finance, factoring, leasing, treasury via INFINITY), and private banking/wealth management (asset management, succession planning, foundation management, ethical-sustainable investing, plus WILL digital wealth management). Distribution combines 10 physical branches in Graz/Frohnleiten, the Mein ELBA digital platform, and Cisco Webex video consultation.

Product overview

Raiffeisen-Landesbank Steiermark AG operates a comprehensive banking platform consisting of multiple interconnected digital channels. The core banking platform Mein ELBA (available as web and mobile app) provides retail customers with account management, transfers, and card controls. Business customers access services through the INFINITY platform. The digital wealth management solution WILL offers automated investment management. Premium Private Banking services provide personalized wealth management for high-net-worth clients. Additional digital services include video consultation (Videoberatung via Cisco Webex), mobile payments (Apple Pay, Google Pay, RaiPay), and specialized apps for capital markets (Börse360°) and fleet management (Fuhrpark App). The products are designed to work together within the Raiffeisen banking ecosystem, with Mein ELBA serving as the central hub for retail customers and INFINITY for corporate clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Mein ELBA (Online & Mobile Banking Platform) Online and mobile banking platform providing retail customers with account management, transfers, card controls, and digital banking services. Supports pushTAN authentication and digital signature. Available as web app and native mobile app (iOS/Android/Huawei).
• INFINITY Corporate Banking Portal Web-based corporate banking platform for real-time financial management, payment processing, treasury operations, and cash pooling for corporate clients. EBICS-enabled for automated integrations.
• WILL Digitale Vermögensverwaltung (Digital Wealth Management) Automated digital wealth management service offering different risk profiles (SOLIDE, ERTRAG, WACHSTUM, DYNAMISCH) aligned to ESG/sustainability criteria for retail and affluent clients.
• Private Banking Services Premium wealth management services including Vermögensmanagement (asset management), Anlageberatung (investment advice), tax-optimized investment, Depotanalyse, Nachfolgeplanung (succession planning), Vorsorge (provision), Immobilienveranlagung, Unternehmensbeteiligungen, alternative Investments, and Stiftungsmanagement (foundation management) for high-net-worth clients. Also addresses Ärzte und Freie Berufe with practice-establishment financing and tailored solutions.
• Videoberatung (Video Consultation) Remote video-based advisory service delivered via Cisco Webex, enabling customers to conduct banking appointments (loans, investments, insurance) remotely from any location with internet connectivity. Provided free of charge.
• RaiPay Mobile Payment Raiffeisen's own mobile payment application for contactless payments and digital wallet functionality on smartphones.
• Börse360° App (Capital Markets) Capital market application providing financial market data, market overviews, and investment information with Raiffeisen expertise for retail and private banking clients.
• Fuhrpark App (Fleet Management) Fleet management application enabling corporate customers to manage vehicle fleets directly within the digital banking ecosystem.
• Mein ELBA App (Mobile Banking) Native mobile banking app providing secure access to Mein ELBA services on smartphones, with pushTAN authentication and card management features.
• Retail Banking Accounts and Cards (Girokonto, Jugendkonto, Studierendenkonto, Basiskonto, Debitkarte, Kreditkarte) Standard retail account package: Girokonto (current account), Jugendkonto (youth), Studierendenkonto (student), Basiskonto (basic), Debitkarte (debit card), Kreditkarte (credit card brokering).
• Consumer and Mortgage Lending (Konsumkredit, Wohnfinanzierung, Bausparfinanzierung, Auto-Leasing) Retail lending products covering consumer credit (Konsumkredit), residential/home financing (Wohnfinanzierung), Bauspar financing and Auto-Leasing for individual customers.
• Savings and Investment Products (Sparen, Online Sparen, Sparbuch, Bausparen, Veranlagen) Retail savings and investment product range covering Sparen, Online Sparen, Sparbuch, Bausparen, and Veranlagen (Aktien, Anleihen, Fonds, ETF, Zertifikate, Immobilien, Gold), plus Pensionsvorsorge.
• Corporate Banking Products (Betriebsmittelfinanzierung, Investitionsfinanzierung, Immobilien- & Projektfinanzierung, Factoring, Förderungen, Garantie & Haftung, Leasing, Zinsabsicherung, Auslandsgeschäft, Cash Management, Pensionsvorsorge, Abfertigung) Comprehensive corporate banking suite: working capital finance (Betriebsmittelfinanzierung), investment finance (Investitionsfinanzierung), real estate & project finance (Immobilien- & Projektfinanzierung), factoring (Factoring), subsidies (Förderungen), guarantees (Garantie & Haftung), leasing (Leasing), interest hedging (Zinsabsicherung), international trade/Auslandsgeschäft (Export/Import), international payments, cash management, pensions and severance (Pensionsvorsorge, Abfertigung).
• Insurance Intermediation (via RVS / Raiffeisen Versicherung) The bank intermediates insurance products through RVS (Raiffeisen Versicherung) covering life, accident, home, motor, and legal protection insurance, distributed through branches and advisors; earns commission on placed policies.

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Raiffeisen Kapitalanlage-GmbHcoreStrategic or Co-development PartnerThe bank offers wealth management and digital wealth management (WILL) in cooperation with Raiffeisen Kapitalanlage-GmbH. The investment management and FundPension products are provided in partnership, and the bank's Mitwirkungspolitik (engagement policy) references RAIFFEISEN KAPITALANLAGE-GMBH's published engagement policy for voting rights.
• Raiffeisen Versicherung (RVS)coreChannel Partner/ Reseller/ DistributorThe bank serves as an insurance intermediary for Raiffeisen Versicherung (RVS) products in Styria. Insurance products (life, accident, home, motor, legal protection) are distributed through the bank's branches and advisors.
• Raiffeisen Centrobank AGminorChannel Partner/ Reseller/ DistributorThe bank distributes securities issued by Raiffeisen Centrobank AG. Prospectuses and final terms are made available on the bank's website for publicly offered securities.
• Raiffeisen Wohnbaubank AktiengesellschaftminorChannel Partner/ Reseller/ DistributorThe bank distributes convertible bonds ( Wandelschuldverschreibungen) issued by Raiffeisen Wohnbaubank AG, with prospectus approved by the Austrian Financial Market Authority.
• Raiffeisen Software GmbHcoreTechnology or IntegrationResponsible for the development of the bank's websites and digital platforms as part of the Raiffeisen-Bankengruppe's shared technology infrastructure.
• RAITEC GmbHcoreTechnology or IntegrationResponsible for the operation (Betrieb) of the bank's IT systems and digital infrastructure as part of the Raiffeisen-Bankengruppe's shared technology operations.
• Cisco (Webex)coreTechnology or IntegrationThe video consultation (Videoberatung) service is delivered via Cisco Webex Meetings platform, enabling remote advisory sessions through encrypted video connections.
• Styrian Raiffeisenbanken (Raiffeisenbanken Steiermark)coreStrategic or Co-development PartnerThe bank serves as Sektorbank (sector bank) and Servicezentrale (service center) for all Styrian Raiffeisen banks. It coordinates services, provides shared infrastructure, and acts as Kommerzkundenbank and Privatkundenbank within the regional network.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Erste Group Bank AG: One of Austria's three dominant banking groups; operates Erste Bank and Sparkassen across Austria and CEE. Directly comparable in retail, mortgage, corporate, and private banking product breadth serving Austrian households and SMEs.
• Volksbanken Verbund: Austrian cooperative banking sector alongside Raiffeisen, providing retail, SME, and private banking via local Volksbanken. Comparable cooperative distribution model and product suite.
• Raiffeisen Bank International AG: Head entity of the Raiffeisen banking group in Austria and CEE. Highly comparable as the apex of the cooperative network that Hypo Steiermark is embedded within; offers similar retail, corporate, and wealth management products but at international scale.
• UniCredit Bank Austria: Austrian subsidiary of UniCredit, offering full-service retail, corporate, and private banking across Austria. Comparable product set including mortgage, wealth management, and ESG investment options.
• BAWAG Group AG: Major Austrian universal bank listed on the Vienna Stock Exchange. Comparable as a competing Austrian incumbent in retail deposits, mortgages, and SME/corporate banking with similar regulatory standing.

Others

• DWS Group (Deutsche Bank subsidiary): Major European asset manager with ESG-aligned product lines and digital wealth capabilities. Comparable as an enabler/supplier of wealth management products and ESG portfolio strategies that compete with in-house offerings like WILL.

Regional players

• Hypo Vorarlberg Bank AG: Austrian regional bank (Landeshypothekenbank) focused on Vorarlberg with retail, mortgage, and private banking offerings. Highly comparable mortgage and HNW proposition in a different Austrian region.

Emerging players

• Schelhammer Capital Bank AG: Austrian private banking and capital advisory specialist. Comparable as a focused HNW/wealth management player operating in the Austrian market with discretionary portfolio services.

Direct peers

• Bank für Tirol und Vorarlberg (BTV): Austrian regional bank with similar Landesbank-style positioning, providing retail, corporate, and private banking in its western Austrian home market. Strongly comparable regional banking model.
• Oberbank AG: Regional Austrian universal bank with comparable retail, corporate, and private banking offerings, focused on Upper Austria and neighboring regions. Closely comparable as a mid-sized Austrian Landesbank-style institution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/landes-hypothekenbank-steiermark-ag

Compliance5 records

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 hypo steiermark