Oberösterreichische Landesbank Aktiengesellschaft

Oberösterreichische Landesbank Aktiengesellschaft is a regional credit institution headquartered in Linz, operating primarily in Upper Austria under the HYPO brand. It focuses on retail and corporate banking with particular emphasis on real estate and public sector financing, offering current and savings accounts, payment services, card services, term deposits, and lending products including mortgages and business loans, alongside investment and insurance brokerage. The bank serves households, small and medium-sized enterprises, real estate investors and developers, and municipalities and other public entities, through a regional branch network complemented by online and mobile banking channels. Funding is sourced from customer deposits and capital markets, including the issuance of covered bonds backed by mortgage and public-sector assets in line with Austrian covered bond legislation. It is subject to prudential supervision within the EU’s Single Supervisory Mechanism, with ongoing oversight by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. Deposits are protected under Austria’s statutory deposit guarantee up to EUR 100,000 per depositor per bank, in line with EU rules. Ownership is linked to the Province of Upper Austria via a regional holding structure. Risk exposures are typical for a regional lender with concentrations in its home market and real estate-related credit, managed under applicable capital and liquidity requirements (CRR/CRD). Product availability, pricing, and eligibility depend on customer profile and are subject to regulatory know-your-customer and anti-money-laundering checks.