Oberbank's Digital Transformation and Strategy

Oberbank has been actively working on its digital transformation, aiming to become a fully digital bank by 2025.

The bank's strategy involves investing in digital channels and platforms to enhance customer experience and increase efficiency.

Oberbank has been successful in reducing its branch network, with a goal of having no physical branches in the future.

By focusing on digital channels, Oberbank aims to increase its customer base and improve its market position.

Oberbank's leadership is comprised of a seasoned team with a combined wealth of experience. Franz Gasselsberger serves as the Chief Executive Officer, having taken on the role since April 30, 2002.

The Executive Committee is led by Franz Gasselsberger, who has been at the helm since 2002. Dietmar Holzinger-Böcskör serves as the Director of Finance/CFO, having taken on the role as of December 31, 2018.

The Board of Directors is composed of seven members, including Peter Mitterbauer, who has been a Director/Board Member since April 14, 1991. The most senior member is Hermann Bell, who has been the Chairman since December 31, 1971.

Here is a list of the current members of the Board of Directors:

The Executive Committee plays a crucial role in overseeing the strategic direction of Oberbank AG. Led by Franz Gasselsberger, the CEO since 2002, the committee ensures the bank's operations are running smoothly.

One of the key members of the committee is Dietmar Holzinger-Böcskör, who has been the Director of Finance/CFO since 2018. His role involves overseeing the bank's financial activities.

Michaela Gerschpacher serves as the Compliance Officer, although her exact start date is not specified. Her responsibilities include ensuring the bank adheres to relevant regulations and laws.

Clemens Bousquet is the Chief Operating Officer, but his start date is also not provided. As COO, he is responsible for overseeing the bank's day-to-day operations.

Andreas Pachinger has been the Corporate Secretary since his age was 64, although the exact date is not specified. His role involves ensuring the bank's corporate governance practices are in place.

Here's a brief summary of the Executive Committee members:

The Board of Directors at Oberbank AG is a team of experienced leaders who have been guiding the bank for many years. Peter Mitterbauer has been a Director/Board Member since 1991.

The Chairman position has been held by several individuals over the years. Hermann Bell held the position from 1971 to 2015, making him one of the longest-serving Chairmen. Herta Stockbauer took over as Chairman in 2015 and held the position until 2021.

In recent years, the Board of Directors has seen some changes. Andreas König became the Chairman in 2021, bringing a new perspective to the role. He is 65 years old and has been with the bank since 2021.

The Board of Directors currently consists of 10 members, including 4 Chairmen. Here is a brief overview of the current composition:

Oberbank's annual revenue was $648.1 million in 2025.

The bank's financial performance is a key indicator of its stability and growth potential.

Oberbank's revenue figure for 2025 suggests a significant presence in the market, but we can only speculate on the bank's overall financial health without more data.

Oberbank AG is a company listed on the stock market under the equities category, specifically under the OBS stock.

The company's financial performance can be understood through its income statement, which provides valuable insights into its revenue and expenses.

Oberbank's annual revenue was $648.1 million in 2025.

To get a better understanding of Oberbank's financials, let's take a look at the company's stock market listing:

The shareholder structure of the company is a reflection of its ownership and control. CABO Beteiligungsgesellschaft m.b.H. holds a significant stake of 25.97% as of December 31, 2016.

Bank für Tyrol and Vorarlberg AG also has a substantial share, accounting for 16.98% of the company's voting rights. BKS Bank AG is another major shareholder with 15.21% of the voting rights.

Employee participation is also a notable aspect, with 3.72% of the shares owned by employees. This suggests that the company values its employees' contributions.

The remaining 31.29% of the shares are freely available for public trading, known as the free float. This allows individual investors to buy and sell shares in the company.

Oberbank has been using Mindbreeze InSpire since June 2014, and it's been a game-changer for their employees.

By implementing the intelligent search solution, employees can now access all relevant information instantly.

This includes the employee portal and extranet pages of WÜSTENROT, where they can search current contracts and provisions with ease.

Bettina Nigl, Organizational Development, Strategy and Process Management at Oberbank AG, says that employees can now find the information they need quickly and efficiently.

With a single query, employees can access countryspecific information from multiple data sources, making their work easier and saving time.

Oberbank's NAICS code is a unique identifier that helps classify its activities within the banking industry. The NAICS codes for Oberbank are 52, 522, 522110, 5221, and 52211.

These codes indicate that Oberbank operates primarily in the finance and insurance sector, specifically in the category of banks and other depository institutions.

Commercial banks are a vital part of the financial industry, and understanding their performance is crucial for investors and financial analysts. Oberbank AG, a commercial bank, reported a 46.75% increase in its capital over the past three years.

Oberbank AG's performance is just one example of the many commercial banks operating globally. The table below shows the performance of various commercial banks over the past five days, one year, and three years, as well as their market capitalization.

Note that the weighted average by capital shows a different performance compared to the average, highlighting the importance of considering market capitalization when analyzing commercial banks.

The NAICS Code is a six-digit number assigned to businesses by the US Census Bureau to categorize them by industry.

It's used to collect, analyze, and publish data about the US economy.

The NAICS Code is based on the North American Industry Classification System.

There are over 1,900 industries covered by the NAICS Code.

Businesses can use the NAICS Code to identify their industry and compare themselves to other businesses.

The NAICS Code is used by the US government for statistical purposes and to allocate funds.

It's also used by businesses to identify potential partners and suppliers.

The NAICS Code is updated every five years to reflect changes in the economy.

Businesses can find their NAICS Code on the US Census Bureau's website.

The NAICS code is a six-digit number used to classify businesses by their industry and type of activity.

Oberbank has a NAICS code of 52, 522, 522110, 5221, and 52211.

The NAICS code is crucial for businesses to accurately classify their activities and ensure compliance with regulations.

NAICS codes are used by the US Census Bureau to collect data on businesses and industries.

Oberbank's NAICS codes indicate that it operates in the finance and insurance sector, specifically in the category of banks and other depository credit intermediation.

The NAICS code is a standardized system that helps businesses and government agencies understand the economic activities of a company.

The Oberbank International has a significant presence in several countries. The bank has had its own branches in Upper Austria, Salzburg, Lower Austria, Vienna, Burgenland, and Bad Aussee in the Styrian Salzkammergut region since 1985.

The Oberbank's expansion efforts led it to open branches in Bavaria in 1990. This was a strategic move to tap into the growing market in the region.

Since 2004, the bank has been active in the Czech Republic. This marked a significant milestone in its international expansion.

The Oberbank entered the Slovakian market in 2009. This move was part of its broader strategy to establish a presence in Central and Eastern Europe.

In 2007, the bank opened its first branch in Hungary. This was a key step in its expansion into the region.

The Oberbank's international presence continued to grow with the opening of its first Hessian branch in Darmstadt and Erfurt in Thuringia in 2015.

Oberbank is part of a larger financial group, with several companies operating under its umbrella. Oberbank AG is the parent company, with subsidiaries like Oberbank Leasing GmbH Bayern and Alpenländische Garantie - Gesellschaft mbH.

Oberbank Leasing GmbH Bayern is a financial institution that offers a range of services, including finance, rental, and leasing. It's based in Neuötting, Germany, and provides a quick payment solution with Swatch watches.

Oberbank Leasing GmbH Bayern & Co. KG Neuenrade is another subsidiary, a regional bank that provides banking services. It's also based in Neuotting, Germany, and was founded in 2004. The CEOs of this company are Michael Gerner and Hans Fein.

Alpenländische Garantie - Gesellschaft mbH is an Austrian company that operates commercial banks, and is also part of the Oberbank group. It's based in Linz, Austria.

Here's a list of some of the group companies mentioned in the article:

Oberbank AG has a diverse group of companies under its umbrella, with a strong presence in the finance and leasing sectors.

Oberbank Leasing GmbH Bayern is a financial institution that offers a wide range of services, including informative topics, news, and eShop services. It's based in Neuötting, Germany.

The company provides a quick payment solution with Swatch watches and educates its clients on investment funds, their chances, risks, and current prices.

Oberbank's stock, bond issuances, and other key figures are also available for clients to view. The CEO of Oberbank Leasing GmbH Bayern is Michael Gerner.

Oberbank Leasing GmbH Bayern & Co. KG Neuenrade is another company under the Oberbank AG umbrella, providing banking services. It's based in Neuotting, Germany, and was founded in 2004.

The CEOs of this company are Michael Gerner and Hans Fein.

Here's a list of some of the group companies under Oberbank AG:

These companies operate in various sectors, including finance, leasing, and regional banking.

The approach to implementing a new search solution was key to Oberbank's success. They tested products from two manufacturers before choosing the Mindbreeze InSpire solution.

The IT professionals at Oberbank configured Mindbreeze InSpire from the outset, ensuring a seamless integration into their existing infrastructure. This allowed them to utilize their intranet as an information platform.

Staff at Oberbank can now search for information across multiple countries, including Austria, Germany, the Czech Republic, Hungary, and Slovakia, without having to switch between different user interfaces. This streamlined process saves time and increases productivity.

The search results are sorted by country, making it easy to find relevant information. Filters are provided dynamically, allowing users to limit or broaden their search results with ease.

The intranet has become an invaluable contact search tool, enabling staff to easily find employee details, such as telephone numbers, email addresses, and photos. This feature also allows users to send emails or initiate phone calls directly from the search results.

Oberbank also incorporated the extranet of WÜSTENROT as a search information source, expanding their search capabilities even further.

Oberbank's digital transformation was a seamless process thanks to Mindbreeze InSpire's integration in their employee portal, which served as an information platform for all essential information.

This integration was done in a remarkably short time, with work on integrating and adapting search queries completed in half of the estimated time.

The IT infrastructure was also taken into consideration, with a seamless integration in the existing infrastructure being a key requirement, which Mindbreeze InSpire fulfilled.

Analyzing, understanding, and optimal retrieval of information are at the heart of comprehensive knowledge management. The goal is to make hidden stored knowledge accessible within the framework of access rights.

The intranet is a central gateway to and key source of knowledge, which is why the Oberbank decided to enhance it as an information platform.

A powerful search tool is needed to make more information from other data sources available, but this is a major challenge due to the varied page structure on the intranet.

Various editorial teams in several countries are responsible for generating the extensive and prolific intranet content, making it difficult to manage and search.

The Oberbank is intensively involved with the issue of knowledge management, seeking to make knowledge more accessible to its users.

Implementation can be a daunting task, but it doesn't have to be. One of the key benefits of Mindbreeze InSpire is its seamless integration into existing infrastructure. This allowed Oberbank to easily integrate the appliance into their employee portal.

The preconfigured solution meant that IT teams didn't have to start from scratch. This saved Oberbank a significant amount of time and resources. The connection between Mindbreeze and data sources was established using connectors, which proved to be a time-saving method.

This efficient approach meant that work that would normally take a long time was completed in half the estimated time. Oberbank was able to complete the order on time and within budget. Configurations were quickly adopted in operative use, making the transition to the new system smooth and hassle-free.

The Oberbank has a significant valuation, with its capitalization ranging from 4.08B to 55.03B.

The bank's enterprise value also varies, from 10.33B to 140B. In 2022, the EV / Sales ratio was 17.6x, while in 2023 it was 14.2x.

Here's a breakdown of the Oberbank's valuation metrics:

The Oberbank has received several awards, including the "best institution" title in the Format Bank Test in 2007.

Valuation is a crucial aspect of any company's financial standing. The capitalization of Oberbank AG has fluctuated over the years, ranging from 4.08B to 55.03B.

The P/E ratio is a key indicator of a company's valuation. In 2022, Oberbank AG's P/E ratio was 14.9x. This ratio decreased to 11.9x in 2023.

Enterprise value is another important metric in valuation. Oberbank AG's enterprise value has also changed over time, with a high of 20.95B and a low of 10.33B.

The free-float percentage of Oberbank AG's shares is 67.78%. This means that a significant portion of the company's shares are available for trading.

Here's a summary of Oberbank AG's valuation metrics over the years:

Oberbank AG's yield has also been influenced by market fluctuations. The yield increased from 1.41% in 2022 to 1.55% in 2023.

The Oberbank has received numerous awards and recognitions for its outstanding performance and commitment to excellence.

In 2007, the Oberbank was named the "best institution" in the Format Bank Test.

The bank's customer-centric approach has earned it the Recommender Award from the Finanz-Marketing Verbandes Österreich (FMVÖ) in 2009, 2010, 2014, and 2016.

This award is a testament to the Oberbank's ability to consistently meet and exceed customer expectations.

The Oberbank has also been recognized for its efforts to promote work-life balance, earning the three-year basic certificate berufundfamilie audit in 2011 and extending it for another three years in 2014.

The Oberbank's commitment to workplace health promotion has earned it the BGF seal of approval in 2013, 2014, and 2016.

This seal of approval is a significant achievement, recognizing the bank's initiatives in promoting employee well-being.

Oberbank has reported its earnings results for several quarters, with the most recent being for the Third Quarter and Nine Months Ended September 30, 2024, which was announced on November 22, 2024.

Oberbank's earnings reports are typically published quarterly and provide insights into the bank's financial performance. The reports include information on the bank's revenue, expenses, and net income.

Here is a list of Oberbank's earnings reports for the past few years:

Oberbank has also announced an equity buyback plan, which was authorized on May 29, 2023, and expired on June 13, 2023.

Oberbank AG has released its earnings results for the third quarter and nine months ended September 30, 2024, on November 22.

The company's equity buyback plan, announced on May 30, 2023, has expired. Oberbank AG authorized a buyback plan on May 29, 2023, and announced an equity buyback for 90,000 shares on the same day.

Oberbank AG has reported its earnings results for the full year ended December 31, 2023, on April 3, 2024. The company also reported its earnings results for the second quarter and six months ended June 30, 2023, on August 25, 2023.

Here's a summary of Oberbank AG's recent earnings reports:

News in other languages can be a great way to stay informed about global events, and Oberbank AG is a great example of this. Oberbank AG has a presence in multiple languages, as seen in the news articles listed below.

In this section, we can see that Oberbank AG has released news articles in multiple languages, including a dividend proposal from the board of directors, a report on insider transactions, and an environmental report. These articles were released on different dates, ranging from February 14 to November 22.

Here are the specific news articles listed in the table below:

These articles demonstrate the importance of staying informed about global events, and the value of having access to news in multiple languages.

At Oberbank, the management team is led by Franz Gasselsberger, who has been the Chief Executive Officer since April 30, 2002. He's a seasoned leader with a wealth of experience.

The bank's Director of Finance, Dietmar Holzinger-Böcskör, has been in the role since December 31, 2018. Unfortunately, his age is not publicly disclosed.

The bank's Compliance Officer, Michaela Gerschpacher, has a crucial role in ensuring the bank operates within the law. Unfortunately, her age and date of appointment are not publicly available.

Here's a brief overview of the bank's management team:

The bank's Board Members, including Peter Mitterbauer and Herta Stockbauer, bring a wealth of experience to their roles.

At Oberbank, the Deputy Head of Strategic Organisational Development, Digitalisation and IT is a crucial role. Hinterdorfer Tobias holds this position.

This role is responsible for overseeing the strategic development of the bank's organisational structure, digitalisation, and IT systems.

Tobias Hinterdorfer is the person who fills this role at Oberbank.

As we explore the management and team behind Oberbank, let's take a look at the employment numbers. 1,097 people are employed at Oberbank.

The team at Oberbank is comprised of a significant number of professionals who work together to achieve the bank's goals.

At Oberbank AG, the management team is led by Franz Gasselsberger, who has been the CEO since April 30, 2002, at the age of 65. He has been with the bank for a long time.

The bank's Director of Finance/CFO, Dietmar Holzinger-Böcskör, took on the role on December 31, 2018. Unfortunately, his age is not publicly disclosed.

The longest-serving member of the management team is Hermann Bell, who has been the Chairman since December 31, 1971, at the age of 92. That's an impressive tenure of over 49 years.

Here are the current managers at Oberbank AG:

In 2008, the Oberbank faced criticism for converting Swiss franc loans into euro loans, which led to losses for individual borrowers.

This decision was made despite an agreement with customers to keep the loans in Swiss francs.

The Verein für Konsumenteninformation (VKI) issued a warning, prompting the bank to change its course of action.

Consumer protection endorsed this decision, and the bank offered borrowers the option to switch back to foreign currency loans.