basic information
name and background: Raiffeisenbank is one of the largest cooperative banking groups in Switzerland, founded in 1899 and headquartered in St. Gallen. Its unique cooperative structure gives it an important place in the Swiss banking industry.
Shareholder Background: Raiffeisenbank's shareholders are its members, and the cooperative model is adopted, emphasizing member participation and benefit sharing. The group is not publicly traded and remains independent.
Service
coverage: Raiffeisenbank has an extensive network of branches in Switzerland, covering all parts of the country. In addition, Raiffeisenbank International has a presence in Central and Eastern Europe.
Number of offline outlets: With more than 900 branches in Switzerland, Raiffeisenbank has one of the densest network of outlets in the Swiss banking sector.
ATM distribution: Raiffeisenbank has a large number of ATMs throughout Switzerland to facilitate customers to carry out their daily transactions.
regulatory and compliance
regulator: Raiffeisenbank complies with the regulatory requirements of the Swiss Financial Market Supervisory Authority (FINMA) to ensure that its operations comply with the regulations of the Swiss financial markets.
Deposit Insurance Scheme: As part of the Swiss banking system, Raiffeisenbank's deposits are protected by the Swiss deposit insurance system.
Compliance Record: Raiffeisenbank is committed to operating in compliance to ensure that its business activities comply with relevant laws and regulations.
financial
healthCapital adequacy ratio: Raiffeisenbank has a robust capital adequacy ratio that complies with Swiss financial regulatory requirements, ensuring that it has sufficient capital to address potential risks.
Non-Performing Loan Ratio: Raiffeisenbank's non-performing loan ratio remained low, reflecting its robust credit risk management capabilities.
Liquidity Coverage Ratio: Raiffeisenbank maintains an adequate liquidity coverage ratio to ensure that it has sufficient liquidity capacity to respond to market volatility.
Deposits &
LoansDeposits: Raiffeisenbank offers a wide range of deposit products, including demand deposits and time deposits. The interest rate of fixed deposits varies according to the deposit term and amount, and customers can choose the appropriate deposit product according to their own needs.
Loans: Raiffeisenbank offers a variety of loan products, including home loans, car loans, and personal lines of credit. Loan interest rates and conditions vary depending on the customer's credit profile and loan amount.
List of common feesAccount
management fees: Raiffeisenbank's account management fees vary according to the account type and service content, customers can choose the right account product according to their own needs.
Transfer fees: Raiffeisenbank offers both domestic and international transfer services, and transfer fees vary depending on the amount and destination of the transfer.
Overdraft fees, ATM inter-bank withdrawal fees: Raiffeisenbank charges corresponding fees for overdrafts and inter-bank withdrawals, which can be consulted with the bank.
Digital Service Experience
APP & Online Banking: Raiffeisenbank offers a feature-rich mobile banking app and online banking services that allow customers to manage their accounts, conduct transactions and access banking services anytime, anywhere.
Technological innovation: Raiffeisenbank is embracing artificial intelligence and open banking technologies to improve customer experience and operational efficiency.
customer service
quality service channels: Raiffeisenbank offers a variety of customer service channels, including phone, live chat and social media, to ensure that customers can easily access help.
Complaint handling: Raiffeisenbank values customer feedback and has a dedicated complaint handling mechanism in place to ensure that customer issues are resolved in a timely manner.
Multi-language support: Raiffeisenbank offers multilingual services to facilitate the use of banking services by customers with different language backgrounds.
security measuresFunds
security: Raiffeisenbank uses advanced anti-fraud technology and a real-time transaction monitoring system to ensure the safety of customer funds.
Data security: Raiffeisenbank complies with international data security standards and ensures the security of customers' personal information and transaction data.
Featured services and differentiated
market segments: Raiffeisenbank offers exclusive financial products for students and seniors to meet the needs of different customer groups.
High Net Worth Services: Raiffeisenbank provides private banking services to provide customized wealth management solutions to high net worth clients.
