RiverBank S.A. - German Branch

RiverBank S.A. – German Branch is the German outpost of RiverBank S.A., a Luxembourg credit institution incorporated as a société anonyme. The branch focuses on financing for small and midsize enterprises and commercial real estate borrowers in Germany and may source retail funding through fixed-term deposits offered to German residents via cross-border channels. It does not operate a retail branch network and relies on digital processes and intermediaries. As a branch of a Luxembourg bank, prudential supervision is carried out by the Commission de Surveillance du Secteur Financier under the EU Single Supervisory Mechanism, with German conduct oversight by BaFin and the Deutsche Bundesbank for local reporting. Deposits accepted by the German branch are covered by Luxembourg’s deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg) up to 100,000 euros per depositor; there is no separate coverage by the German EdB scheme. Term deposits, where available, are typically offered without account maintenance fees, have fixed maturities, and generally cannot be terminated early; rates and maturities are subject to change. The institution operates as a specialist lender rather than a universal retail bank, so current accounts and day-to-day payments for the general public are not a focus in Germany. Financial statements and risk disclosures are published at the parent level in Luxembourg, with the German branch included in those consolidated reports. Prospective customers should review current product sheets, eligibility criteria, and applicable terms for identification, interest payout, and tax handling, particularly when accessing products via deposit marketplaces.