Business philosophy

Money is valuable and utterly deserving of protection. BTV is fully aware of this responsibility and it follows its creed of "Do not speculate, invest" most consistently and successfully. BTV fosters a conservative value model: its decisions are guided by the principles of independence, self-sufficiency and acting in an entrepreneurial manner. This is something that is appreciated by both, our demanding private customers and our medium-sized, export-oriented corporate clients.




BTV is the bank for discerning private customers and medium-sized, export-oriented corporate clients in Tyrol, Vorarlberg, Vienna, Bavaria, Baden-Wuerttemberg and Switzerland. Its new brand name BTV VIER LÄNDER BANK (the bank of four countries) shows where BTV's commitments lie: namely, in long-term and successful involvement in all four countries.

Close relations

The success of BTV is, above all, a result of close relations with its customers. BTV employees take time to ascertain and understand customers' needs. This way, we can find the most appropriate solution. BTV customers benefit from extensive market knowledge, specialist expertise and rapid decision-making capabilities.

A one-stop shop for networking and expertise

BTV has a full banking licence in Austria, Germany and Switzerland. In addition to a wide range of financial services, BTV uses its holdings in and cooperation with other businesses to also offer related services such as insurance and leasing to its customers, all from a single provider. BTV is the representative for Tyrol and Vorarlberg in the German Chamber of Commerce and the Switzerland-Austria-Liechtenstein Chamber of Commerce - a fact that is very much appreciated by our export-oriented corporate customers. Moreover, BTV maintains business contacts with more than 900 correspondent banks worldwide.

We do not speculate, we invest

BTV invests instead of speculating, because money is valuable. BTV only does business in sectors that it understands, namely locally and in its domestic markets. BTV has been practicing its cautious and forward-looking business philosophy for years and has managed to withstand several crises in the global and financial economy relatively unscathed. This makes BTV a reliable and predictable financial partner - without any nasty surprises.

Independent and self-sufficient

BTV takes its decisions locally, independently and autonomously, without political power games or corporate guidelines. So it can act in a business-minded way - in the interests of its customers, shareholders and employees. BTV's independence is assured by a syndicate agreement between BTV, Oberbank and BKS Bank. The 3 Banken Gruppe (3 Banks Group) is a network of three independent and strong regional banks, which even today still represents a convincing and highly competitive alternative model to multi-national financial groups.


BTV Marketing and Communication
+43 505 333 - 0
BTV's guiding philosophy

The colours of BTV are greenish blue, red and white. In shipping, red and white stand for the pilots. This symbolises our philosophy: we consider ourselves to be a competent partner, guiding our customers through all areas of the financial sector, just as a pilot guides a ship. This is how we create responsible, confidential connections.