Raiffeisenbank Obereßfeld-Römhild eG

    Address  97528, Germany, Sulzdorf a.d.Lederhecke, Raiffeisenstraße 4

Member of Group  DZ Bank (Germany)
Bank Identifiers 
    MFI ID  DE04869
Credit Ratings (as of Dec 2014) 
    Fitch  A+ (high credit quality)
    Moody's  - (not rated)
    S&P's  AA- (very strong capacity to meet its financial commitments)
Deposit Guarantee  Yes (up to 100 000 EUR per depositor)

Raiffeisenbank Obereßfeld-Römhild eG located at Germany, Sulzdorf a.d.Lederhecke is a member of a banking group DZ Bank (Germany). It is one of 1812 credit institutions operating in Germany.

Bank Identifiers

Any bank can be identified for different purposes and hence can have several different identifiers.


BIC (Business Identifier Code) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

Bank BIC Code  GENO
Country Code  DE (Germany)
Location Code  F1
Branch Code  SLZ

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).


MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

MFI ID  DE04869

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

Credit Ratings

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government.
Of the 'Big Three' rating agencies, Raiffeisenbank Obereßfeld-Römhild eG is rated by Fitch and Standard & Poor's.

Credit ratings assigned to Raiffeisenbank Obereßfeld-Römhild eG as of December 2014 are shown in details in the following sections.


Long-term issuer default rating is Fitch's view of a credit institution’s relative vulnerability to default on its financial obligations, for Raiffeisenbank Obereßfeld-Römhild eG it is set to A+ (high credit quality), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for Raiffeisenbank Obereßfeld-Römhild eG is set to F1+ (highest short-term credit quality).

Long-Term Issuer Default Rating  A+
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  F1+
Viability Rating  -
Support Rating  -
Support Rating Floor  -

Viability rating for Raiffeisenbank Obereßfeld-Römhild eG is not set; support rating is not assigned; support rating floor is not set.

Standard & Poor's

Long-term foreign currency rating for Raiffeisenbank Obereßfeld-Römhild eG is set to AA- (very strong capacity to meet its financial commitments). Long-term local currency rating is set to AA- (very strong capacity to meet its financial commitments).

Long-Term Foreign Currency Rating  AA-
Long-Term Local Currency Rating  AA-
Short-Term Foreign Currency Rating  A-1+
Short-Term Local Currency Rating  A-1+

Short-term foreign currency rating for Raiffeisenbank Obereßfeld-Römhild eG is set to A-1+ (strong capacity to meet its financial commitments). Short-term local currency rating is set to A-1+ (strong capacity to meet its financial commitments).

Deposit Guarantee

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Germany are obliged to participate in German deposit guarantee scheme.

In the case of Raiffeisenbank Obereßfeld-Römhild eG failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  all deposit accounts (deposits on current accounts and savings accounts, overnight money or time deposits, registered savings bonds, and similar)
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information: Deposit Guarantee Scheme in Germany

ECB Minimum Reserves Requirements (MRR)

Minimum reserves is the minimum amount of reserves a credit institution is required to hold with a central bank.

Subject to MRR by ECB  Yes
Exempt from MRR by ECB  No

Related Information on Germany

Economy and Banking Sector of Germany

List of Banks in Germany

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