HYPO TIROL BANK AG

HYPO TIROL BANK AG is a regional Austrian credit institution headquartered in Innsbruck and majority-owned by the State of Tyrol. It focuses on retail, corporate, and public-sector banking in Tyrol and adjacent markets, offering current and savings accounts, payment services, debit and credit cards, online and mobile banking, consumer loans, mortgages secured by real estate, SME working-capital and investment financing, project and real estate finance, and basic treasury, foreign exchange, and securities custody and brokerage services subject to MiFID II rules. The bank operates a branch network concentrated in Tyrol and supports remote account management via digital channels. It is licensed under the Austrian Banking Act (BWG) and is supervised by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB) within the EU Single Supervisory Mechanism framework. Deposits are protected up to EUR 100,000 per depositor per bank under Austria’s statutory deposit guarantee scheme in line with EU law. Credit issuance follows standard underwriting practices, including affordability checks and collateral where applicable. The institution publishes audited financial statements and regulatory disclosures (Pillar 3) under the CRR/CRD regime. Product availability, pricing, and eligibility depend on customer profile and residence, and fees may apply for accounts, cards, cash services, and transfers according to published schedules.