Strategy and Goals

Oberbank offers its customers the highest quality of advice. Security, stability and sustainability are the foundation of all our actions. Our nine strategic principles determine our path to success.

1. Priority goal: safeguarding the independence and autonomy of Oberbank
   Oberbank’s focus on this goal ensures that all the bank’s activities will always serve the interests of its customers, shareholders and employees in a well-balanced manner, now and in the future. This priority goal is the basis and guiding principle of all of Oberbank’s other objectives.
    
2. High quality of advisory services
   - Corporate clients benefit from our high level of expertise in cross-border business, our know-how in investment financing and our range of alternative forms of financing such as equity and mezzanine capital.
   - We offer private clients a high level of advisory competence, especially in private banking and housing finance.
    
3. Continuous organic growth
   Oberbank is growing organically through the establishment of new branches and the competent support and acquisition of new customers on site.
    
4. Concentration on Risk Management
   An important criterion for success is our consistent risk management. Oberbank only takes on risks it can handle on the strength of its own resources.
    
5. Safeguarding long-term liquidity
   To offer clients security, we aim to refinance loans with deposits. In addition, freely available assets and refinancing lines with other banks and institutional investors secure our liquidity.
    
6. No proprietary trading detached from customer business
   Oberbank does not engage in any noteworthy proprietary trading detached from customer business and does not conduct any risky speculative transactions.
    
7. Strategic staff development
   Our employees are the foundation of our success. That is why we invest heavily in training and development as well as in the professionalism of our managers.
    
8. Ensuring long-term competitiveness by focusing on lean processes
   Our clear goal is the ideal combination of the analogue and digital world! We have digitalised the majority of our internal processes - and thus created more time for consulting.
    
9. Sustainability
   Sustainable thinking and action have always been an integral part of Oberbank's strategy. We are committed to the 1.5 degree target of the Paris Climate Agreement and want to steer capital flows even more strongly in the direction of sustainable investments.
   Based on these principles, Oberbank has developed a Code of Conduct containing the guidelines of our business policy and the minimum standards for the conduct of Oberbank and the persons acting for the institution.

Code of Conduct