Created by Anna Mileiko 
Posojilnica Bank eGen (formerly Zveza Bank) is a regional bank of Raiffeisen Banking Group (Austria) whose principal owners are local Posojilnica Banks operating in the province of Carinthia. Posojilnica Bank is a universal bank offering a broad range of retail and business banking products and services to local residents. Posojilnica Bank is also a center for the local Posojilnica Banks responsible for IT infrastructure, marketing and advertising.
In 2023, Posojilnica Bank eGen achieved the position of 234th largest bank in Austria with a market share of 0.04%; its total assets dropped by 2.60%.
Additionally, the bank became the 391st profitable bank in relation to its total assets showcasing -8.10% return on assets in 2023.
Also the lender held the 248th position regarging its loans-to-deposits (L/D) registering 101.29% L/D ratio in 2023.
Deposits up to 100,000 EUR are covered by Austrian deposit guarantee scheme in Posojilnica Bank eGen.
branch
online banking
mobile app
Posojilnica Bank eGen ranks as the 234th largest bank in Austria by total assets. In 2023 its total assets were 396.31 mln EUR, representing a 0.04% market share. It is also the 139th largest Raiffeisen credit cooperatives in Austria, commanding a 0.11% share among Raiffeisen credit cooperatives. In 2023 the bank's net income was -32.51 mln EUR.
Einlagensicherung AUSTRIA Ges.m.b.H (ESA)Posojilnica Bank eGen protects deposits up to up to 100,000 EUR per depositor through Austria's deposit guarantee scheme. The scheme applies to all balances on bank accounts made by natural persons (Austrian and foreign), legal entities (Austrian and foreign). The bank participates in the Einlagensicherung AUSTRIA Ges.m.b.H (ESA), making regular contributions into it.
Raiffeisen Banking Group (Austria)Posojilnica Bank eGen is a member of Raiffeisen Banking Group (Austria).
Paulitschg., 5-7, 9020, Klagenfurt am Wörthersee, Austria
465
0463/512365
0463/512365119Posojilnica Bank eGen is headquartered in Klagenfurt Am Wörthersee.
VisaMasterCardPosojilnica Bank eGen provides products and services in the areas of retail banking, business banking. Posojilnica Bank eGen offers a range of products including current accounts, debit cards, credit cards, savings accounts, time deposit accounts, consumer loans, car loans, mortgage loans, trading accounts, business accounts, business payment cards, business loans. Posojilnica Bank eGen makes its solutions available to natural persons, small- and medium-sized enterprises, companies.
branch online banking mobile appProducts and services offered by Posojilnica Bank eGen are available at its branches and via its online banking system, mobile application.
In 2023 total assets of Posojilnica Bank eGen were 396.31 mln EUR. Decline compared to the previous period (2022) was -2.60%. The evolution of the total assets of Posojilnica Bank eGen is shown at Chart 1 below.
Chart 1. Total Assets of Posojilnica Bank eGen.
Recent changes in total assets of Posojilnica Bank eGen and its main components are shown in Table 1.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Loans to banks | 159.9 | 181.8 | +13.69% |
| Loans to customers | 180.7 | 159.3 | -11.88% |
| Bonds and other fixed-income securities | 11.2 | 5.2 | -53.55% |
| Shares and other variable-yield securities | 25.4 | 24.6 | -3.04% |
| Total Assets | 406.9 | 396.3 | -2.60% |
Table 1. Recent changes in total assets of Posojilnica Bank eGen (mln EUR).
Recent changes in total liabilities of Posojilnica Bank eGen and its main components are shown in Table 2.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Bank deposits | 4.8 | 4.3 | -11.42% |
| Customer deposits | 348.1 | 332.5 | -4.50% |
| Total Liabilities | 406.9 | 396.3 | -2.60% |
Table 2. Recent changes in total liabilities of Posojilnica Bank eGen (mln EUR).
Recent changes in gross profit of Posojilnica Bank eGen and its main components are shown in Table 3.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Commission Income | 2.8 | 3.0 | +5.81% |
| Commission Charges | -0.3 | -0.3 | +3.82% |
| Interest Income | 7.5 | 15.2 | +102.01% |
| Interest Charges | -0.1 | -2.4 | +1,728.78% |
| Net Interest Income | 7.4 | 12.8 | +72.70% |
Table 3. Recent changes in gross profit of Posojilnica Bank eGen (mln EUR).
In 2023 net income of Posojilnica Bank eGen was -32,511,579.13 EUR. Decline compared to the previous period (2022) was -17.13%. The evolution of the net income of Posojilnica Bank eGen is shown at Chart 2 below.
Chart 2. Net Income of Posojilnica Bank eGen.
In 2023 Posojilnica Bank eGen was ranked the 234th largest bank in Austriain terms of total assets, having 0.04% of the domestic market share.
Chart 3. Market share of Posojilnica Bank eGen (among banks in Austria)
Historical changes in Posojilnica Bank eGen's domestic rank and market share over 2019-2023 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2023 | 234 | 0.04 % |
| 2022 | 228 | 0.04 % |
| 2021 | 210 | 0.04 % |
| 2020 | 197 | 0.05 % |
| 2019 | 168 | 0.06 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Posojilnica Bank eGen listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 233 |  | 0.04% | 402.01 mln EUR (-4.92%) |
| 234 | | 0.04% | 396.31 mln EUR (-2.60%) |
| 235 | | 0.04% | 390.80 mln EUR (+0.13%) |
In 2023 Posojilnica Bank eGen was ranked the 139th largest raiffeisen credit cooperatives in Austriain terms of total assets, having 0.11% of the category's market share.
Chart 4. Market share of Posojilnica Bank eGen (among Raiffeisen credit cooperatives in Austria)
TheBanks.eu identified several banks raiffeisen credit cooperatives having the market shares and ranks closest to Posojilnica Bank eGen listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 138 | | 0.11% | 402.01 mln EUR (-4.92%) |
| 139 | | 0.11% | 396.31 mln EUR (-2.60%) |
| 140 | | 0.11% | 390.80 mln EUR (+0.13%) |
Discover key identifiers of Posojilnica Bank eGen including its BIC, LEI, sort code, company number, MFI ID.
BIC: VSGKAT2KXXX
The BIC (also known as SWIFT code) for Posojilnica Bank eGen is VSGKAT2KXXX. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | VSGKAT2KXXX |
| Bank BIC Code | VSGK |
| Country Code | AT (Austria) |
| Location Code | 2K |
| Branch Code | XXX |
LEI: 529900KD0L0FDTDAPJ25
Posojilnica Bank eGen’s LEI is 529900KD0L0FDTDAPJ25. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 529900KD0L0FDTDAPJ25 |
| LOU Identifier | 5299 |
| Reserved | 00 |
| Entity Identifier | KD0L0FDTDAPJ |
| Verification ID | 25 |
Bank Sort Code: 39100
The Bank Sort Code for Posojilnica Bank eGen is 39100. This unique code identifies the bank within Austria and is essential for domestic payment transactions.
| Key | Value |
|---|---|
| Bank Sort Code | 39100 |
The Bank Sort Code (also known as Bankleitzahl or BLZ) is a five-digit code allocated by the Oesterreichische Nationalbank (OeNB). It ensures accurate routing of funds between financial institutions within Austria.
Company Registration Number: 115073a
Posojilnica Bank eGen is registered in Austria under company number 115073a. In Austria, companies are issued a registration number (Firmenbuchnummer - FN) upon formation and registering in the official register (Firmenbuch). The registration numbers consist of 6 digits and a letter.
| Key | Value |
|---|---|
| Company Number | 115073a |
MFI ID: AT0000001148202
Posojilnica Bank eGen’s MFI ID, AT0000001148202, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Austria (AT), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | AT0000001148202 |
| Country Code | AT |
| MFI Code | 0000001148202 |
TheBanks.eu identified several banks similar to Posojilnica Bank eGen based on various criteria, including:
