Raiffeisenbank Region Hausruck eGen

Raiffeisenbank Region Hausruck eGen is a regional cooperative credit institution in the Hausruck area of Upper Austria and part of the Raiffeisen Banking Group. Organized as an eGen, it operates under Austrian cooperative and banking law, with member shares and governance via a general assembly and supervisory structures. The bank’s product set covers retail and small-business banking: current accounts, savings and term deposits, SEPA payments, debit and credit cards, online and mobile banking via the Raiffeisen platform, consumer loans, mortgages, overdrafts, and financing for SMEs and agricultural clients. Through Raiffeisen group companies, it intermediates building-society savings and loans, leasing, insurance brokerage, and investment and securities services, including custody and fund distribution. Deposits are protected by the Austrian statutory deposit guarantee up to EUR 100,000 per depositor and per bank via Einlagensicherung Austria GmbH; the institution is subject to supervision by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. Fees and interest conditions are set out in published price lists and general terms; lending typically references market benchmarks such as EURIBOR and is subject to affordability, collateral, and documentation checks under Austrian consumer and mortgage-credit rules. Accounts use Austrian IBANs and support domestic and cross-border SEPA transfers; card and ATM access is provided through national schemes and Raiffeisen infrastructure. Client identification, sanctions screening, and transaction monitoring follow Austrian AML/KYC requirements, and any investment services are provided under MiFID II, including suitability and risk disclosures. Operations are delivered through a local branch footprint in the Hausruck region with shared services and liquidity, payment, and securities processing support from Raiffeisen group entities at the state level.