Tiroler Sparkasse: Struktur und Leistung

The Tiroler Sparkasse is a cooperative bank that has been a staple in Tyrol, Austria for over 200 years. It was founded in 1819 as a savings bank.

The bank's structure is based on a cooperative model, where members own and control the bank through a network of local branches. This approach allows for a high level of community involvement and decision-making.

The Tiroler Sparkasse has a strong presence in the region, with over 40 branches and a large network of ATMs. This makes it easily accessible to its members and clients.

Despite its long history, the bank has adapted to modern times, offering a range of financial services and products to its members.

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The Tiroler Sparkasse has a rich history that spans over two centuries. Founded in 1822, it was established by Count Chotek and Felix Adam von Riccabona as the first financial institution in Tyrol and the second oldest association savings bank in Austria.

The Sparkasse initially aimed to encourage savings and financial provision for the population and use savings for regional economic development. This goal was achieved by providing a general savings institution that could be used by all sections of the population.

In 1877, the Sparkasse moved into its later property in Erlerstraße, which is still a significant part of its main building today. It was given the statutory name "Sparkasse der Stadt Innsbruck" in 1885.

The Sparkasse has undergone several mergers and name changes throughout its history. In 1943, it merged with the Sparkasse of the city of Innsbruck, and in 1975, it merged with the Sparkasse der Stadt Solbad Hall.

In 1974, a new seven-storey building was erected on Sparkassenplatz, which became the official address of the Sparkasse. The Sparkasse now bore the name Sparkasse der Stadt Innsbruck mit Sparkasse der Stadt Hall.

The Sparkasse has been part of the Erste Group since 2001, when Erste Bank became the majority owner. Today, the Erste Bank owns 74.99% of the Sparkasse, while the Privatstiftung der Sparkasse Innsbruck Hall, Tiroler Sparkasse holds the remaining 25.01%.

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Tiroler Sparkasse Bankaktiengesellschaft Innsbruck is a banking institution based in Innsbruck, Austria. It was founded in 1824.

The bank is part of the Sparkassen-Finanzgruppe, a network of savings banks in Germany, Austria, and Italy. This membership gives the bank access to a larger network of resources and expertise.

The bank is regulated by the Austrian Financial Market Authority (FMA) and is a member of the Deposit Guarantee and Investor Compensation Scheme. This ensures that customers' deposits are protected and their investments are secure.

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The Haftungsverbund is a network of Austrian banks that provides additional protection to customers beyond the standard deposit guarantee scheme.

It was established in 2002 by Erste Group Bank AG and many Austrian Sparkassen, with the goal of intensifying cooperation and mutual support.

As part of the Haftungsverbund, member banks have agreed to provide financial support to each other in case of financial difficulties, going beyond the standard deposit guarantee.

This means that customers of participating banks have an additional layer of protection, as the Haftungsverbund covers certain claims beyond the standard 100,000 EUR deposit guarantee.

The Haftungsverbund has been expanded over time to meet wettbewerbsrechtlichen Vorgaben, or competition regulations, and has strengthened its cooperation between members.

The Erste Bank der oesterreichischen Sparkassen AG, Erste Group Bank AG, and many Austrian Sparkassen participate in the Haftungsverbund, which is led by Erste Group Bank AG as the "Lead Bank".

By working together, the Haftungsverbund enables member banks to offer a wider range of services and benefit from technological advancements, ultimately benefiting consumers.

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Erste Bank holds a significant majority interest in Tiroler Sparkasse Bankaktiengesellschaft Innsbruck, with a stake of 74.98756% as of December 31, 2018.

This majority ownership gives Erste Bank a substantial level of control over the bank's operations and decision-making processes.

The remaining 25.01244% of Tiroler Sparkasse Bankaktiengesellschaft Innsbruck is owned by the private foundation of Sparkasse Innsbruck-Hall, Tiroler Sparkasse.

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Tiroler Sparkasse Bankaktiengesellschaft Innsbruck is a banking institution based in Innsbruck, Austria, founded in 1824.

It's part of the Sparkassen-Finanzgruppe, a network of savings banks in Germany, Austria, and Italy. The bank offers a range of financial services such as savings accounts, loans, mortgages, and insurance products.

The bank operates several branches and ATMs throughout the Tyrol region. It's regulated by the Austrian Financial Market Authority (FMA) and is a member of the Deposit Guarantee and Investor Compensation Scheme.

Deposits up to €100k per person are covered under the Deposit Guarantee Scheme (DGS).

Here's a brief overview of the bank's ownership structure:

The bank offers fixed deposits with an interest rate of 1.88% for a term of 12 months, with interest paid at maturity.

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The Tiroler Sparkasse has its head office at Sparkassenplatz, which is a central location.

It has a total of 51 locations, including 26 branches and 25 self-service and ATM locations.

These locations are mainly found in the districts of Innsbruck-Stadt and Innsbruck-Land, making it convenient for customers in these areas.

The Tiroler Sparkasse has a significant presence in the area, with a head office located at Sparkassenplatz.

This main office serves as the central hub for the bank's operations.

The bank also has 26 branches, making it easily accessible to the public.

These branches are strategically located in the districts of Innsbruck-Stadt and Innsbruck-Land.

In addition to branches, the bank has 25 self-service and ATM locations for customers to use.

The wohn²Center at Sparkassenplatz 1 is another notable location, providing a convenient spot for customers to access their accounts.

Tiroler Sparkasse Bankaktiengesellschaft Innsbruck offers their savings products in Austria.

Their operations are limited to a single country, making it easier for customers to navigate their services.

The bank's focus on a specific region allows for a more personalized approach to customer service.

Tiroler Sparkasse Bankaktiengesellschaft Innsbruck doesn't have any information about their operations in other countries.

Tiroler Sparkasse offers a range of bank services that cater to different needs.

You can manage your finances with ease using their online banking platform, which is available 24/7.

Mobile banking is also an option, allowing you to access your accounts and perform transactions on the go.

Their customer service is available to help with any questions or concerns you may have.

Tiroler Sparkasse has a wide network of branches and ATMs, making it convenient to access your money when you need it.

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Tiroler Sparkasse Bankaktiengesellschaft Innsbruck offers their savings products in Austria.

Their operations are limited to Austria, which is a great option for those looking for a local banking solution.

In fact, they only offer savings products in Austria, so if you're looking for a bank with a global presence, this might not be the best fit.

Tiroler Sparkasse Bankaktiengesellschaft Innsbruck participates in the deposit guarantee scheme of Austria, which covers all deposit accounts made by natural persons and legal entities.

This scheme covers up to €100,000 (or equivalent in local currency) per bank per depositor.

In other words, your deposits are protected up to a certain amount, giving you peace of mind when banking with Tiroler Sparkasse Bankaktiengesellschaft Innsbruck.

Bank Identifiers are used to uniquely identify banks and financial institutions.

SWIFT codes, also known as Bank Identifier Codes, are a standard format of Bank Identifier used internationally.

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is responsible for maintaining and assigning SWIFT codes.

SWIFT codes are usually 8 or 11 characters long and consist of a combination of letters and numbers.

The first 4 characters of a SWIFT code represent the bank's location, the next 2 characters represent the bank's code, and the last 2 characters (if present) represent the bank's branch.

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