Ethical Banking in Numbers and Facts. Knowing for what.
Notice for all our customers and savers
The aim of Ethical Banking is not to maximise profits, but to create value for society and the environment.Since its foundation, Ethical Banking has been built on two fundamental principles: <link url="689">transparency and security<link>. Through the targeted allocation of savings, we are able to provide financing for an increasing number of sustainable projects that contribute positively to our communities and our environment.
All financed projects are selected accoridng to clearly defined criteria and are regularly reviewed and monitored. We ae committed to ensuring that the savings entrusted to us are used specifically for projects within the sustainable sector chosen by each saver.
Savings that are not immediately required for financing projects remain securely deposited at the Raiffeisenkasse Bozen until they can be allocated to a suitable Ethical Banking project in the selected area.
Overview as of 30 June 2026:
Fair trade |
Bäuerlicher Notstandsfonds |
Biologic Agriculture |
Renewable Energy |
Energetic Reconstruction |
Less Handicap |
Handicraft |
LandWIRtschaft (Agriculture) |
|
|---|---|---|---|---|---|---|---|---|
Saving funds Sparmittel |
€5,874,788.46 |
€10,104,283.77 |
€11,611,722.62 |
€3,017,615.11 |
€587,883.68 |
€4,361,542.04 |
€1,908,109.76 |
€910,000.00 |
Financing Finanzierungen |
€-3,504,415.58 |
€-4,030,511.75 |
€-9,945,813.55 |
€-1,600,847.60 |
€-429,211.43 |
€-1,908,587.22 |
€-1,003,084.49 |
€-300,000.00 |
balance fundings - Saving funds Differenz Finanzierungen - Sparmittel |
€2,370,372.88 |
€6,073,772.02 |
€1,665,909.07 |
€1,416,767.51 |
€158,672.25 |
€2,452,954.82 |
€905,025.27 |
€610,000.00 |
profits % excess Vorschlag % Überdeckung |
20% |
20% |
20% |
20% |
20% |
20% |
20% |
20% |
Total Gesamt |
€4,205,298.70 |
€4,836,614.10 |
€11,934,976.26 |
€1,921,017.12 |
€515,053.72 |
€2,290,304.64 |
€1,203,701.39 |
€360,000.00 |
Balance Differenz |
€700,883.12 |
€806,102.35 |
€1,989,162.71 |
€320,169.52 |
€85,842.29 |
€381,717.42 |
€200,616.90 |
€60,000.00 |
Current overview of preferential loan rates for the second half of 2026 (30 June 2026 – 31 December 2026):
Bezeichnung |
Basis |
Spread |
Finanzierungen |
|---|---|---|---|
Fair Trade (CTM - Gerechter Handel) |
0.918 % |
1.000 |
1.918 % |
Biologic Agriculture (Biologische Landwirtschaft) |
1.156 % |
1.000 |
2.156 % |
Helping People (Menschen Helfen - BNF) |
1.364 % |
1.000 |
2.364 % |
Renewable Energy (Erneuerbare Energien) |
1.171 % |
1.000 |
2.171 % |
Energetic Reconstruction (Energetische Sanierung) |
1.333 % |
1.000 |
2.333 % |
Less Handicap (Weniger Handicap) |
1.282 % |
1.000 |
2.282 % |
Handicraft (Handwerk) |
1.184 % |
1.000 |
2.184 % |
LandWIRtschaft (Agriculture) |
0.962 % |
1.000 |
1.962 % |
Impact Account (Förderkonto) "Sonne" |
0.10 % |
depending on the rating class, up to 3% |
depending on the spread |