Oberbank AG

Oberbank AG is an Austrian regional bank headquartered in Linz and a member of the Three-Bank Group alongside BKS Bank and Bank für Tirol und Vorarlberg, operating a branch network across Austria and selected markets in southern Germany, the Czech Republic, Slovakia, and Hungary. It focuses on retail, private, and corporate banking, offering current and savings accounts, payment services, debit and credit cards, online and mobile banking, consumer loans, mortgages, corporate lending, trade and export finance, asset management and securities brokerage, and leasing through group entities. The bank is listed on the Vienna Stock Exchange and has a stable core shareholder structure characterized by cross-shareholdings within the group. It is supervised under the European banking framework by the Austrian Financial Market Authority within the Single Supervisory Mechanism, complies with CRR/CRD capital and liquidity rules, and participates in Austria’s statutory deposit guarantee scheme (Einlagensicherung) covering up to EUR 100,000 per depositor per bank; product availability, onboarding, and pricing vary by country and customer segment. Funding is primarily based on customer deposits and capital markets instruments, with credit exposure oriented toward SMEs and real estate in its core regions; key risks include interest-rate sensitivity, credit quality in cyclical sectors, and regional concentration. Customers should review fees for accounts, cards, ATM usage, foreign exchange, brokerage and custody, and early repayment, and check language support and local IBAN availability in cross-border branches where relevant.