Raiffeisenbank Drautal registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenbank Drautal registrierte Genossenschaft mit beschränkter Haftung is a regional cooperative bank based in the Drau Valley (Drautal) in Carinthia, Austria, operating under the legal form of a registered cooperative with limited liability and owned by its member-shareholders. It is part of the Raiffeisen Banking Group in Austria and is affiliated with the respective regional Raiffeisen central institution; as a licensed credit institution under the Austrian Banking Act, it is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank. The bank focuses on retail, small business, and agricultural clients in its local catchment area, offering current and savings accounts, payment services, domestic and SEPA transfers, cards, consumer loans, residential mortgages, and financing for SMEs and farms; it also intermediates investment and securities services within the Raiffeisen network and makes insurance and leasing products available through group partners. Distribution is via local branches, ATMs within the Raiffeisen network, and digital channels that provide online and mobile banking, e-statements, standing orders, and basic mobile payment functions. Deposits are covered by the Austrian statutory deposit guarantee (generally up to EUR 100,000 per depositor, per bank) via the national scheme, and the institution participates in the Raiffeisen sector’s institutional protection system; investor compensation applies to eligible securities-related claims as defined by law. Governance follows the cooperative model with a general meeting of members, a supervisory board, and a management board; pricing for accounts and services is set out in published fee schedules and may vary by package and usage. The business model centers on deposit-taking and lending within the region, with credit and interest-rate risk typical for a small cooperative bank and risk management aligned with Raiffeisen group standards; branch hours, product eligibility, and documentation requirements depend on the specific service and customer profile.