# Raiffeisen Group

Raiffeisen Group is a Bank / Wealth / Trust based in St. Gallen, Switzerland.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** St. Gallen, Switzerland
- **Region:** Europe
- **Address:** St. Gallen, Switzerland
- **Founded:** 1985
- **Assets under management:** Undisclosed
- **Website:** raiffeisen.ch
- **LinkedIn:** https://www.linkedin.com/company/banque-raiffeisen-s.c.

## Regulatory record

- **Reports private funds:** No

## About

Banque Raiffeisen est la seule banque coopérative du Luxembourg. Découvrez nos offres et services : prêts, épargne, assurance-vie, cartes bancaires, avantages tarifaires, etc.

## Questions

### Who runs investment decisions at Raiffeisen Group?

There is no single CIO for the entire group. Each of the 200+ local Raiffeisen banks governs its own balance sheet and investment portfolio through a local board of directors and management team. Raiffeisen Switzerland provides centralized recommendations and access to capital markets and fund platforms, but individual banks retain significant decision autonomy within a shared risk framework.

### What investment stages and sectors does Raiffeisen Group typically target?

Raiffeisen's own portfolio is conservatively structured around Swiss mortgages (by far the largest asset class), high-grade Swiss and European bonds, and secured corporate lending to Swiss SMEs. The group does not have a meaningful venture capital or growth equity program. Fund offerings sold to clients span traditional equity, fixed income, real estate, and thematic strategies, often via external partners including Vontobel and Allianz.

### What is the structural differentiator of Raiffeisen Group compared to other Swiss banks?

The mutual guarantee system is the core difference. Each local Raiffeisen bank is legally independent but jointly and severally liable for the group's obligations. This cooperative federalism means no single executive can direct consolidated asset allocation — a sharp contrast to UBS or Zürcher Kantonalbank. It also means Raiffeisen's aggregate investment posture is an emergent property of hundreds of local constraints rather than a top-down strategic plan.

### How is Raiffeisen Group regulated?

Raiffeisen Group is regulated by the Swiss Financial Market Supervisory Authority (FINMA) and has been classified as a systemically important financial institution under Swiss law since 2012. It is subject to enhanced capital, liquidity, and recovery and resolution planning requirements comparable to UBS, PostFinance, and Zürcher Kantonalbank.

### Where does the underlying capital of Raiffeisen Group come from?

Raiffeisen's capital base is cooperative member equity and accumulated retained earnings from over a century of Swiss retail banking, not a single-family fortune or sovereign endowment. Its roughly 1.9 million cooperative members (per Raiffeisen annual report, 2022) provide the equity base, supplemented by public bond issuance and interbank funding.

## Related profiles

- [Raidah Investment Company (RIC)](https://altss.com/profile/raidah-investment-company-ric)
- [Rain Capital Management](https://altss.com/profile/rain-capital-management)

---

Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/raiffeisen-group

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology