raiffeisen wohnbaubank

What raiffeisen wohnbaubank does

Raiffeisen Wohnbaubank Aktiengesellschaft is a specialized Austrian credit institution (Spezialbank) founded in 1994 and headquartered in Vienna (Mooslackengasse 12, 1190 Wien). It is a wholly-owned subsidiary of Raiffeisen Bank International AG (RBI) and operates exclusively within the Austrian housing finance value chain. The institution's core product is the Wohnbauanleihe, a tax-advantaged convertible bond (Wandelschuldverschreibung) that offers retail investors a KESt-free (capital-gains-tax-exempt) interest rate of up to 4% per annum under Austrian housing promotion law (Bundesgesetz über steuerliche Sondermaßnahmen zur Förderung des Wohnbaus, BGBl. Nr. 253/1993 idF BGBl. Nr. 162/2001). Bond proceeds are legally mandated to fund Austrian residential construction and renovation, including rental apartments, owner-occupied homes, student housing, and care facilities.

Distribution occurs on two sides. On the liability side, bonds are sold through the Austrian Raiffeisen Bank branch network, with the FAQ instructing prospective buyers to contact their local Raiffeisenbank relationship manager; the offering is restricted to Austrian residents and explicitly excluded in the USA, UK, Canada, and Japan. On the asset side, proceeds are on-lent to a diversified portfolio of non-profit housing associations, municipal housing companies, and cooperatives, as documented through reference projects such as Gemeinnützige Wohnungsgesellschaft Austria AG (Michelhausen), Heimat Österreich (St. Johann im Pongau), Alpenländische Heimstätte (Telfs), NEUE HEIMAT Tirol (St. Johann in Tirol, passive-house construction), Salzburger Siedlungswerk (Taxham), VOGEWOSI (Ludesch), OSG (Innervillgraten-Walder), and FRIEDEN (Nußdorf-Debant), plus healthcare facilities including Pflegeheim Klosterneuburg.

The business model is structurally a regulated spread-and-fee franchise within the RBI group. Recent issuance volumes show meaningful scaling: Series 22 in 2019 (1.125% coupon), Series 23 in 2023 (4.0%, EUR 150M), Series 24 in 2023 (4.0%, EUR 181M), and Series 25 in 2024 (3.125%, EUR 241.2M), with Series 26 (3.000% convertible bonds 2026-2037, ISIN AT000B124698, 3.410% yield) currently in distribution via Raiffeisenlandesbank Burgenland and Raiffeisenlandesbank Vorarlberg. The bank is subject to oversight by the European Central Bank, the Austrian Finanzmarktaufsicht (FMA), and Oesterreichische Nationalbank, operates under the EU Capital Requirements Regulation (EU No. 575/2013), the Austrian Bankwesengesetz, and the Wertpapieraufsichtsgesetz, and is a member of the Österreichischer Raiffeisenverband and the Raiffeisen-Sicherungseinrichtung institutional protection scheme.

Name

raiffeisen wohnbaubank

Legal name

Raiffeisen Wohnbaubank Aktiengesellschaft

Website

https://raiffeisen-wohnbaubank.at

Company type

Private

Founded year

1994

Operating status

Operating

Short description

Raiffeisen Wohnbaubank is a Vienna-based specialized Austrian bank, founded in 1994 and wholly owned by Raiffeisen Bank International AG, that issues tax-advantaged housing bonds (Wohnbauanleihen) to finance Austrian residential construction and serves retail investors with KESt-free returns through the Raiffeisen branch network.

Ownership category

akta.pro rank

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Housing Bond Issuance: The bank issues tax-advantaged housing bonds (Wohnbauanleihen) that provide investors with KESt-free interest income up to 4% p.a. Proceeds from bond issuances are legally mandated to fund Austrian housing construction, renovation, and related projects. Recent bond series include volumes of EUR 150 million, EUR 181 million, and EUR 241.2 million.

Distribution channels2 records

Marketing channels2 records

Core offering

Raiffeisen Wohnbaubank AG issues tax-advantaged Wohnbauanleihen (housing bonds) to provide affordable refinancing for Austrian residential construction. Bond proceeds are legally mandated under Austrian housing promotion law (BGBl. Nr. 253/1993) for housing construction, renovation, and related projects, with investors receiving KESt-free (capital gains tax-free) interest income up to 4% per annum. The bank operates exclusively in Austria, distributing bonds through the Raiffeisen Bankengruppe branch network and serving non-profit housing associations, municipal housing companies, and cooperatives.

Product overview

Raiffeisen Wohnbaubank AG is a specialized bank founded in 1994, wholly owned by Raiffeisen Bank International AG, that issues tax-privileged housing bonds (Wohnbauanleihen) to provide affordable long-term financing for Austrian housing construction. The core product offering consists of Wohnbauanleihen — convertible bonds with tax benefits including KESt exemption up to 4% p.a. — distributed through the Primärmarkt (primary subscription) and Sekundärmarkt (secondary trading) platforms. The bank operates under Austrian housing promotion law (Bundesgesetz über steuerliche Sondermaßnahmen zur Förderung des Wohnbaus) and channels bond proceeds exclusively to approved housing projects including rental apartments, cooperatives, retirement homes, and student housing.

Differentiator

Problem solved

Functional benefit

Products and services

• Wohnbauanleihen (Housing Bonds) Tax-privileged convertible bonds (Wohnbauanleihen) issued to provide affordable refinancing for Austrian housing construction. Features include KESt-free interest (capital gains tax-free) up to 4% p.a., guaranteed interest rates, guaranteed use of funds for Austrian housing, end-taxation treatment, and always-transferable bonds. Targeted at Austrian retail investors and intended to fund non-profit housing associations and cooperatives.
• Primärmarkt (Primary Market) Subscription platform for new Wohnbauanleihen bond issues during the initial offering period. Lists current available bonds and base prospectuses for prospective Austrian retail investors.
• Sekundärmarkt (Secondary Market) Trading platform for existing Wohnbauanleihen bonds, listing all previously issued convertible bonds with ISINs, bond names, and detailed conditions for each series. Enables transferability of bonds, which the bank highlights as a core product feature ('Jederzeit veräußerbar').

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Customer concentration

Compliance3 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 raiffeisen wohnbaubank