HYPO TIROL BANK AG products, services and reviews

About HYPO TIROL BANK AG

HYPO TIROL BANK AG is a regional universal bank headquartered in Innsbruck, Austria, with a business focus on the Tyrol region and selected surrounding markets. The bank is majority-owned by the State of Tyrol and operates under an Austrian banking license, supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank within the EU regulatory framework. It serves retail clients, small and mid-sized enterprises, larger corporates, and the public sector. Core activities include current and savings accounts, payments, consumer and mortgage lending, corporate and commercial real estate finance, cash management, and investment and securities services. Funding is primarily sourced from customer deposits and complemented by wholesale instruments common to Austrian mortgage banks, including covered bonds, alongside access to central bank facilities where eligible. The risk profile is concentrated in its home market, with exposures to households, SMEs, property developers, and municipalities; earnings are sensitive to interest rate movements, credit costs, and local real estate conditions. The bank is subject to capital and liquidity rules under CRR/CRD, MREL requirements, and AML/CFT obligations, and publishes audited annual and interim reports. Deposits are protected by the Austrian statutory deposit guarantee scheme up to EUR 100,000 per depositor, per bank. Customer access is provided through a regional branch network and digital channels, including online and mobile banking and PSD2-compliant interfaces for licensed third-party providers. Governance follows a two-tier structure with a Management Board and Supervisory Board.