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Raiffeisen in Tyrol |
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| Raiffeisen in Tyrol
The Raiffeisen Banking Group Tyrol (RBGT) forms by far the
densest branch network in the federal state, with 81 indepen-
dent local Raiffeisen banks, RLB Tirol AG and a total of 262
bank branches. This enables us to provide the Tyrol population
and local business throughout the region with banking services
suited to customers' needs. Raiffeisen advisors focus on advi-
sing customers on an individual basis, taking an overall view of
their situation. In addition, a wide range of self-service facilities
are provided so that customers can conduct the most important
banking transactions themselves, saving time and money.
As customer-oriented universal banks and integrated financial
services providers, Tyrol Raiffeisen banks are closely allied and
in particular also use the services provided by Raiffeisen-Landes-
bank Tirol AG. The product range offered by the specialised
subsidiaries and other companies in which RLB Tirol AG holds
a stake also makes a substantial contribution towards covering
customer needs to a large extent. The spectrum extends from the
financial services provided by the securities fund company Raiff-
eisen Capital Management to the insurance company Raiffeisen
Versicherung, Raiffeisen-Leasing and the building society Raiff-
eisen Bausparkasse. Each of these plays an important role within
their particular segment on the Tyrol market.
In the case of local authorities in Tyrol, RBGT offers a special
service, Raiffeisen-Kommunalbetreuung Tirol, which guarantees
cost certainty for local authorities when realising their building
projects, from planning to handover of the keys.
Tyrol Raiffeisen banks are currently constructing for their custo-
mers the Raiffeisen Home Centre in the recently built
Energiehaus
park at the DEZ shopping centre in Innsbruck. In cooperation
with Tyrol companies, this 300 m² of floor space will house an
advice, training and exhibition centre. It was built as a "passive
house" and provides a full range of home-related services – from
non-binding advice on financing a property purchase to renova-
ting a building to the highest standard. The Home Centre will also
accommodate partners who extend the product range beyond
the financing, for example free legal advice or clarification of tax
issues, or specialist advice on furnishings. The Raiffeisen Home
Centre will also serve as the new premises for IG Passivhaus
Tirol.
Tyrol Raiffeisen banks operate on the basis of a set of values that
has grown over time and is constantly being updated to current
needs. They have around 135,000 members who are co-owners
from their region or their original market area. One in three Tyrol
Raiffeisen members already holds a Raiffeisen membership card,
which identifies the holder as recognising the Raiffeisen set of
values. It is also a Maestro card that can be used anywhere in the
world, making it an important element in the payments system.
Almost half of Tyrol's population is a Raiffeisen bank customer.
The proportion of main customers is 42 per cent, placing RBGT
in top spot on the Tyrol banking market. This high standing is
expressed, for example, in aggregated total assets of EUR 16,118
million as at the reference date 31 December 2009. On that date,
Tyrol Raiffeisen banks and RLB Tirol AG managed initial deposits,
consisting of demand, time and savings deposits, of EUR 7,895
million – figures that are a particularly impressive reflection of
customers’ trust.
Tyrol Raiffeisen banks are leaders in the financing of private and
corporate customers. As at the reference date 31 December
2009, total lending amounted to EUR 7,729 million.
With some 2,750 attractive and crisis-proof jobs locally or in the
regions, Tyrol Raiffeisen banks are one of the largest employers
in the federal state. Consequently they also have a particularly
important place in the regional value-added chain. The profits
that the banks generate are not transferred elsewhere, but are
Raiffeisen Banking Group Tyrol
reinvested locally to a large extent. When investments are made,
e.g. in business premises, local firms are primarily contracted to
carry out the work, thus securing and creating jobs.
The Raiffeisen Banking Group Tyrol has always stood for security,
proximity and trust. It has been making valuable contributions
to sport, culture and welfare for more than 120 years. In the year
under review alone, RBGT has made available an amount of EUR
5 million from its profits for these causes.
It goes without saying that young people are the future of our
society and, as such, are also a priority for RBGT. With 90,000
members, Tyrol's Raiffeisen Club is the largest leisure associa-
tion in Western Austria. The appropriate support provided by the
260 Club supervisors in the Tyrol Raiffeisen banks is the basis
for youth development schemes. Age-related offers are made by
the bank such as the "All-Inclusive Club Package", as well as a
broadly based leisure program including reductions, events and
support for job seeking and further education.