{"id":23265,"date":"2021-11-16T16:39:12","date_gmt":"2021-11-16T15:39:12","guid":{"rendered":"https:\/\/chg.cloud02.webhome.at\/praxisgruppe-banking-finance\/"},"modified":"2026-04-27T08:37:30","modified_gmt":"2026-04-27T06:37:30","slug":"praxisgruppe-banking-finance","status":"publish","type":"page","link":"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/","title":{"rendered":"Banking &#038; Finance"},"content":{"rendered":"<style type=\"text\/css\"> \n#cmsmasters_row_6a48fc9db86208_84652741 .cmsmasters_row_outer_parent { \n\tpadding-top: 80px; \n} \n\n#cmsmasters_row_6a48fc9db86208_84652741 .cmsmasters_row_outer_parent { \n\tpadding-bottom: 60px; \n} \n\n \n#cmsmasters_row_6a48fc9db877f5_26789325 { \n\tbackground-color:#ffffff;\n} \n\n#cmsmasters_row_6a48fc9db877f5_26789325 .cmsmasters_row_outer_parent { \n\tpadding-top: 0px; \n} \n\n#cmsmasters_row_6a48fc9db877f5_26789325 .cmsmasters_row_outer_parent { \n\tpadding-bottom: 80px; \n} \n\n \n#cmsmasters_row_6a48fc9db898d1_70047772 .cmsmasters_row_outer_parent { \n\tpadding-top: 0px; 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\n} \n\n<\/style><div id=\"cmsmasters_row_6a48fc9db86208_84652741\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_text\" data-animation=\"fadeInUp\" data-delay=\"0\">\n<p style=\"text-align: left;\"><span style=\"color: #212121;\">Welcome to our practice group<br \/>\n<\/span><\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #d43555; font-size: 40px; line-height: 60px;\">Banking &amp; Finance<br \/>\n<\/span><\/h2>\n<h2>Our practice group advises companies, credit and financial institutions and public institutions on all aspects of banking and financing law.<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9db877f5_26789325\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\">\n<h2>Our Services<\/h2>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\" data-animation=\"fadeInUp\" data-delay=\"0\">\n<p>Our specialised banking law team is your competent partner when it comes to complex legal matters in the financial sector. With our many years of experience and comprehensive expertise, we offer you customised solutions. Our advice ranges from drafting contracts and preparing legal opinions to representing you in court or official proceedings.<\/p>\n<p>A particular focus of our advice is banking contract law, in particular loan and credit contract law, banking general terms and conditions, payment transactions, securities law and related liability issues in the defence of claims arising from allegedly incorrect advisory and brokerage activities.<\/p>\n<p>In the credit and financial sector in particular, legal disputes can also arise that not only have considerable financial consequences for credit and financial institutions, but can also damage their reputation. This makes it all the more important for us to provide discreet, effective and prompt representation in court proceedings and &#8211; in order to avoid lengthy and cost-intensive litigation &#8211; also in the context of out-of-court dispute resolution.<\/p>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\" data-animation=\"fadeInUp\" data-delay=\"0\">\n<p>Last but not least, our practice group supports credit and financial institutions in the fulfilment and implementation of regulatory requirements and in coping with current banking supervisory challenges.<\/p>\n<p>We keep up to date with the latest developments and legislative changes in the banking sector and publish regularly in relevant journals in order to provide you with the best possible advice. We attach great importance to close and trusting co-operation with our clients. Our aim is to provide you with high-quality legal advice that is tailored to your individual needs.<\/p>\n<p>We look forward to supporting you in the legal realisation of your projects!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9db898d1_70047772\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin cmsmasters_row_columns_behavior\">\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9db8bf38_08957958\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#bankgesch%C3%A4fte\">\n<div id=\"cmsmasters_divider_6a48fc9db8d689_62881792\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/bankgeschaeft-3-1.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9db97af1_25683071\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#bankgesch%C3%A4fte\">Bankgesch\u00e4ft und AGB<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Wir gestalten und pr\u00fcfen Vertragsbedingungen f\u00fcr Finanzinstitute gem\u00e4\u00df der aktuellen Rechtslage und entwickeln rechtssichere, praxisorientierte L\u00f6sungen f\u00fcr Zahlungsdienstleistungen.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9db99404_06743429\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#darlehensrecht_kreditsicherheiten\">\n<div id=\"cmsmasters_divider_6a48fc9db9a4b8_03389547\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/kredit-22.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dba20c0_32472977\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#darlehensrecht_kreditsicherheiten\">Darlehensrecht und Kreditsicherheiten<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Kreditvertr\u00e4ge setzen Vertrauen und Sorgfalt voraus. Auf Basis der jeweiligen Risikostrategie erstellen und pr\u00fcfen wir passgenaue Vertr\u00e4ge und Zusatzvereinbarungen, legen geeignete Sicherheiten fest und verwerten diese im Anlassfall effizient f\u00fcr Sie.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9dba3ea8_98337764\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#beratung_und_vermittlung_von_wertpapieren\">\n<div id=\"cmsmasters_divider_6a48fc9dba5610_67158729\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/Wertpapierrecht-2.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dbb1d34_54840956\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#beratung_und_vermittlung_von_wertpapieren\">Wertpapierrecht<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Behalten Sie mit unserer Hilfe den \u00dcberblick \u00fcber gesetzliche Aufkl\u00e4rungs- und Informationspflichten und vermeiden Sie Haftungsfallen bereits im Vorfeld. Wir unterst\u00fctzen auch bei der Abwehr von behaupteten Anspr\u00fcchen aus angeblicher Fehlberatung.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dbb35b1_49594178\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin cmsmasters_row_columns_behavior\">\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9dbb7403_75117629\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#zahlungsverkehr\">\n<div id=\"cmsmasters_divider_6a48fc9dbba0d3_21852199\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/zahlungsverkehr-22.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dbc37a6_36799985\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#zahlungsverkehr\">Zahlungsverkehr<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Alle Fragen zur Konzessionspflicht, zu Rechten und Pflichten bei der Erbringung von Zahlungsdiensten sowie zur Umsetzung der Vorgaben des ZaDiG 2018 zum Verbraucherschutz beantworten wir gerne.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9dbc5d70_95321330\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#bankenaufsichtsrecht\">\n<div id=\"cmsmasters_divider_6a48fc9dbc7b21_24224487\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/bankenaufsichtsrecht.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dbcfdb8_10389610\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#bankenaufsichtsrecht\">Bankenaufsichtsrecht \u2013 Regulatorische Fragestellungen<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Wir beantworten Ihre Fragen in Zusammenhang mit der Auslegung, Anwendung und Umsetzung regulatorischer Vorschriften des Bankenaufsichtsrechts.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column one_third\">\n<div id=\"cmsmasters_fb_6a48fc9dbd2350_97501702\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.chg.at\/en\/?page_id=17944#geldwaesche\">\n<div id=\"cmsmasters_divider_6a48fc9dbd4374_01020966\" class=\"cl\"><\/div><div class=\"aligncenter\">\n<div class=\"cmsmasters_img  cmsmasters_image_c custom-width-50\">\n<img src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/10\/geldwaesche.svg\" \/>\n<\/div>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dbdb970_72691807\" class=\"cl\"><\/div><\/a><\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #d43555;\"><a style=\"color: #d43555;\" href=\"https:\/\/www.chg.at\/en\/?page_id=17944#geldwaesche\">Geldw\u00e4sche<\/a><\/span><\/h2>\n<p style=\"text-align: center;\">Globalisierung, digitalisierte Gesch\u00e4ftsmodelle und grenz\u00fcberschreitende Zahlungsstr\u00f6me f\u00fchren dazu, dass Geldfl\u00fcsse heute komplexer, schneller und schwerer nachvollziehbar sind. Gemeinsam meistern wir die steigenden Anforderungen.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dbdc5a8_63961141\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_text\">\n<h2>Your Partners<\/h2>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dbdef04_65282892\" class=\"cl\"><\/div>\n<div id=\"6a48fc9dbe0448_34373737\" class=\"cmsmasters_profile horizontal\">\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-8372\" class=\"one_third post-8372 profile type-profile status-publish has-post-thumbnail hentry pl-categs-innsbruck-en pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-corporate-en pl-categs-rechtsanwalt-en pl-categs-vaduz-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/dr-dietmar-czernich\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/11\/CHG-Rechtsanwaelte-Dietmar-Czernich-Portrait.jpg\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Dietmar Czernich\" loading=\"lazy\" title=\"Dietmar Czernich\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/dr-dietmar-czernich\/\">Dietmar Czernich<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Partner\u00ad, Head of the practice group Corporate<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nHonorary Professor of Civil Law, Honorary Consul of the Federal Republic of Germany, specialisation in arbitration and corporate law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-28782\" class=\"one_third post-28782 profile type-profile status-publish has-post-thumbnail hentry pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-business-law-en pl-categs-rechtsanwalt-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/yasmine-sophie-greber\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2026\/04\/Yasmine-Greber.png\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Yasmine Sophie Greber\" loading=\"lazy\" title=\"Yasmine Sophie Greber\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/yasmine-sophie-greber\/\">Yasmine Sophie Greber<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Attorney-at-law<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nSpecialisation in general civil and contract law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-27173\" class=\"one_third post-27173 profile type-profile status-publish has-post-thumbnail hentry pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-business-law-en pl-categs-rechtsanwalt-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/angela-hirsch\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2022\/09\/Angela-Hirsch-2.png\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Angela Hirsch\" loading=\"lazy\" title=\"Angela Hirsch\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/angela-hirsch\/\">Angela Hirsch<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Attorney-at-law<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nSpecialisation in banking law and general civil and contract law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-26754\" class=\"one_third post-26754 profile type-profile status-publish has-post-thumbnail hentry pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-business-law-en pl-categs-rechtsanwalt-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/bernhard-koeck\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2025\/04\/Bernhard-Koeck.png\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Bernhard Koeck\" loading=\"lazy\" title=\"Bernhard Koeck\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/bernhard-koeck\/\">Bernhard Koeck<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Attorney-at-law &amp; Partner<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nSpecialisation in litigation, restructuring & insolvency, banking and energy regulatory law and competition law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-8899\" class=\"one_third post-8899 profile type-profile status-publish has-post-thumbnail hentry pl-categs-innsbruck-en pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-immobilienrecht-en pl-categs-rechtsanwalt-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/daniel-tamerl\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/11\/CHG-Rechtsanwaelte-Daniel-Tamerl-Portrait.jpg\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Daniel Tamerl\" loading=\"lazy\" title=\"Daniel Tamerl\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/daniel-tamerl\/\">Daniel Tamerl<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Partner, Head of the practice group Banking &amp; Finance<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nSpecialisation in banking law, contract law and real estate law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n\r\n<!-- Start Horizontal Profile -->\r\n\r\n<article id=\"post-25692\" class=\"one_third post-25692 profile type-profile status-publish has-post-thumbnail hentry pl-categs-praxisgruppe-banking-finance-en pl-categs-praxisgruppe-corporate-en pl-categs-rechtsanwaltsanwaerter-en pl-categs-wien-en\">\r\n\t\t\r\n\t<div class=\"pl_img_wrap\"><div class=\"pl_img\">\n<figure>\n<a href=\"https:\/\/www.chg.at\/en\/profile\/marko-pavlovic\/\"><img width=\"338\" height=\"450\" src=\"https:\/\/www.chg.at\/wp-content\/uploads\/2024\/10\/CHG-Rechtsanwaelte-Marko-Pavlovic-Portrait-mK-2.jpg\" class=\"attachment-cmsmasters-project-thumb size-cmsmasters-project-thumb wp-post-image\" alt=\"Marko Pavlovic\" loading=\"lazy\" title=\"Marko Pavlovic\" \/><\/a><\/figure>\n<\/div>\n<div class=\"pl_title_wrap\">\n<h2 class=\"entry-title\">\n<a href=\"https:\/\/www.chg.at\/en\/profile\/marko-pavlovic\/\">Marko Pavlovic<\/a>\n<\/h2>\n<h5 class=\"pl_subtitle\">Associate<\/h5>\n<\/div>\n<\/div><div class=\"pl_content\">\n<div class=\"entry-content\">\nFocus on general civil and contract law, corporate and company law and banking law<\/div>\n<\/div>\n\t<div class=\"cl\"><\/div>\r\n<\/article>\r\n<!-- Finish Horizontal Profile -->\r\n\r\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dc600d5_37546676\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\">\n<h2>Folder &#8220;Banking &amp; Finance&#8221;<\/h2>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column two_third\">\n<div class=\"cmsmasters_text\" data-animation=\"fadeInUp\" data-delay=\"0\">\n<p>Here you can download the current folder of our Banking &amp; Finance practice group:<\/p>\n<\/div>\n\n<div id=\"cmsmasters_button_6a48fc9dc646e7_78423426\" class=\"button_wrap\"><a href=\"https:\/\/www.chg.at\/wp-content\/uploads\/2026\/04\/PGF-One-Pager_english.pdf\" class=\"ripple cmsmasters_button cmsmasters_but_clear_styles cmsmasters_but_bg_hover\"><span>Folder <\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dc64f60_33529558\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\">\n<h2>Innsbruck Banking Law Talks<\/h2>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column two_third\">\n<div class=\"cmsmasters_text\" data-animation=\"fadeInUp\" data-delay=\"0\">\n<p>The <a href=\"https:\/\/www.chg.at\/bankrechtsgespraeche\/\">Innsbrucker Bankrechtsgespr\u00e4che<\/a> (&#8220;Innsbruck Baniking Law Talks&#8221;) organised by CHG Czernich Rechtsanw\u00e4lte in cooperation with LexisNexis offer a platform where current problems and developments in banking law are addressed and current case law is discussed.<br \/>\nIt is also an excellent opportunity to exchange ideas with the speakers and with colleagues from the banking and finance industry.<br \/>\nFurther information and the current programme can be found here:<\/p>\n<\/div>\n\n<div id=\"cmsmasters_button_6a48fc9dc67741_08309631\" class=\"button_wrap\"><a href=\"\/bankrechtsgespraeche\/\" class=\"ripple cmsmasters_button cmsmasters_but_clear_styles cmsmasters_but_bg_hover\"><span>Bankrechtsgespr\u00e4che<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dc67de6_79955794\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_third\">\n<div class=\"cmsmasters_text\">\n<h2>Current publications and specialist articles (German)<\/h2>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_column two_third\">\n<div class=\"cmsmasters_text\">\n<p>Zur K\u00fcrzung von (nicht) laufzeitabh\u00e4ngigen Kosten nach \u00a7 20 HIKrG aF (BankArchiv \u00d6BA, Ausgabe 12\/2023)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/zur-bestimmbarkeit-der-echten-fremdwaehrungsschuld\/artikel\/zfr\/2023\/5\/ZFR_2023_05_105.html\">Zur Bestimmbarkeit der echten Fremdw\u00e4hrungsschuld<\/a> (Zeitschrift f\u00fcr Finanzmarktrecht, Ausgabe 05\/2023)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/reduktion-laufzeitunabhaengiger-kosten-bei-vorzeitiger-rueckzahl\/artikel\/immozak\/2023\/2\/ImmoZak_2023_02_013.html\">Reduktion laufzeitunabh\u00e4ngiger Kosten bei vorzeitiger R\u00fcckzahlung nach \u00a7 20 Abs 1 HIKrG?<\/a> (ImmoZak, Ausgabe 02\/2023)<\/p>\n<\/div>\n\n<div id=\"cmsmasters_divider_6a48fc9dc6c1b4_86207503\" class=\"cmsmasters_divider cmsmasters_divider_width_medium cmsmasters_divider_pos_left\"><\/div>\n<div class=\"cmsmasters_toggles toggles_mode_toggle\">\n<div class=\"cmsmasters_toggle_wrap\" data-tags=\"all \">\n<div class=\"cmsmasters_toggle_title\">\n<span class=\"cmsmasters_toggle_plus\">\n<span class=\"cmsmasters_toggle_plus_hor\"><\/span>\n<span class=\"cmsmasters_toggle_plus_vert\"><\/span>\n<\/span>\n<a href=\"#\">further publications (German)<\/a>\n<\/div>\n<div class=\"cmsmasters_toggle\">\n<div class=\"cmsmasters_toggle_inner\">\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/keine-reduktion-laufzeitunabhaengiger-kosten-bei-vorzeitiger-rue\/artikel\/immozak\/2023\/2\/ImmoZak_2023_02_019.html\">Keine Reduktion laufzeitunabh\u00e4ngiger Kosten bei vorzeitiger R\u00fcckzahlung von Hypothekar- und Immobilienkrediten<\/a> (ImmoZak, Ausgabe 02\/2023)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/12\/Vorzeitige-Kreditru\u0308ckzahlung-DiePresse-20.2.2023.pdf\">Fr\u00fchere R\u00fcckzahlung: Urteil l\u00e4sst Fragen offen<\/a> (Tageszeitung &#8220;Die Presse&#8221;, 20.02.2023)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/keine-reduktion-laufzeitunabhaengiger-kosten-bei-vorzeitiger-rueckzahlung-von-hypothekar-oder-immobilienkrediten\/\">Keine Reduktion laufzeitunabh\u00e4ngiger Kosten bei vorzeitiger R\u00fcckzahlung von Hypothekar- oder Immobilienkrediten<\/a> (CHG News, 13.02.2023)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/12\/Novelle-des-Hypothekar-und-Immobilienkreditgesetzes-in-Begutachtung_CHG_Rechtsanwa\u0308lte_Tamerl_Schwager_2022_12_03-.pdf\">Novelle des Hypothekar- und Immobilienkreditgesetzes in Begutachtung<\/a> (CHG News, 05.12.2022)<\/p>\n<p><a href=\"https:\/\/360.lexisnexis.at\/d\/lexisbriefings\/kreditvermittlung\/h_80004_6304199937138187325_d98673b2c3?searchid=20221117142014179&amp;page=1&amp;index=1&amp;origin=rl&amp;rlclick=title&amp;originview=STM\">Kreditvermittlung<\/a> (Lexis Briefing, November 2022)<\/p>\n<p><a href=\"https:\/\/360.lexisnexis.at\/d\/lexisbriefings\/kreditwurdigkeitsprufung\/h_80004_4700735067565909073_681fe6d47d?origin=gs&amp;searchid=20221205201625628&amp;rlclick=graph%20title\">Kreditw\u00fcrdigkeitspr\u00fcfung<\/a> (Lexis Briefing, Oktober 2022)<\/p>\n<p><a href=\"https:\/\/360.lexisnexis.at\/d\/lexisbriefings\/h_80004_3705211110257336766_2ce14d9df1?secureloginsilent=false&amp;rasreturn=false\">Hypothekarkredit<\/a> (Lexis Briefing, September 2022)<\/p>\n<p><a href=\"https:\/\/www.meinbezirk.at\/tirol\/c-wirtschaft\/neue-regeln-fuer-die-vergabe-von-wohnkrediten_a5557942\">Neue Regeln f\u00fcr die Vergabe von Wohnkrediten<\/a> (MeinBezirk.at, 07.09.2022)<\/p>\n<p><a href=\"https:\/\/360.lexisnexis.at\/d\/lexisbriefings\/immobilienkredit\/h_80004_4125149083807614553_e65904830b?searchid=20220719174424063&amp;page=1&amp;index=1&amp;origin=rl\">Immobilienkredit<\/a> (Lexis Briefing, Juli 2022)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/12\/diepresse-4.7.-schwager-tamerl.png\">Vorzeitige Kredittilgung: Nicht alle Spesen retour<\/a> (Tageszeitung &#8220;Die Presse&#8221;, 04.07.2022)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/vorzeitige-rueckzahlung-von-verbraucherkrediten-im-wandel-der-ze\/artikel\/zfr\/2022\/5\/ZFR_2022_05_111.html\">Vorzeitige R\u00fcckzahlung von Verbraucherkrediten im Wandel der Zeit<\/a> (Zeitschrift f\u00fcr Finanzmarktrecht, Ausgabe 05\/2022)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/wp-content\/uploads\/2023\/12\/Neue-FMA-Vergabestandards-fu\u0308r-Wohnimmobilienkredite-in-Begutachtung_CHG_Rechtsanwa\u0308lte_Tamerl_Schwager.pdf\">Neue FMA-Vergabestandards f\u00fcr Wohnimmobilienkredite in Begutachtung<\/a> (CHG News, 02.05.2022)<\/p>\n<p><a href=\"https:\/\/www.youtube.com\/watch?v=KZ1T_NRFLQM&amp;ab_channel=AntonGeist\">Hypothekar- und Immobilienkreditgesetz &#8211; Interview mit Daniel Tamerl<\/a> (Lexis Views #02, 30.03.2022)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/ogh-sollzinsen-kreditmoratorium\/\">Keine Sollzinsen w\u00e4hrend des Kreditmoratoriums nach \u00a7 2 des 2. COVID-19-JuBG? Der OGH differenziert.<\/a> (CHG News, 06.02.2022)<\/p>\n<p><a href=\"https:\/\/shop.lexisnexis.at\/abgb-praxiskommentar-abgb-praxiskommentar-band-9-5-auflage-9783700780533.html\">Kommentierung zum Hypothekar- und Immobilienkreditgesetz<\/a> (in Schwimann\/Kodek, ABGB Praxiskommentar &#8211; Band 9, 5. Auflage, Verlag LexisNexis, erschienen am 18.01.2022)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/fleckerlteppich-im-verbraucherkreditrecht\/artikel\/zfr\/2021\/12\/ZFR_2021_12_260.html\">&#8220;Fleckerlteppich&#8221; im Verbraucherkreditrecht<\/a>\u00a0(Zeitschrift f\u00fcr Finanzmarktrecht, Ausgabe 12\/2021)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/zur-kreditwuerdigkeit-von-solidarschuldnern\/artikel\/zfr\/2021\/12\/ZFR_2021_12_262.html\">Zur Kreditw\u00fcrdigkeit von Solidarschuldnern<\/a> (Zeitschrift f\u00fcr Finanzmarktrecht, Ausgabe 12\/2021)<\/p>\n<p><a href=\"https:\/\/lesen.lexisnexis.at\/_\/das-kopplungsverbot-beim-verbraucherkredit\/artikel\/zfr\/2021\/9\/ZFR_2021_09_183.html\">Das Kopplungsverbot beim Verbraucherkredit<\/a>\u00a0(Zeitschrift f\u00fcr Finanzmarktrecht, Ausgabe 09\/2021)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/eba-leitlinien-fuer-die-kreditvergabe-und-ueberwachung-in-geltung\/\">EBA-Leitlinien f\u00fcr die Kreditvergabe und \u00dcberwachung in Geltung<\/a> (CHG News, 06.07.2021)<\/p>\n<p><a href=\"https:\/\/www.chg.at\/novellen-des-verbraucherkreditrechts-in-kraft\/\">Novellen des Verbraucherkreditrechts in Kraft<\/a> (CHG News, 02.02.2021)<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_6a48fc9dc701d0_74293264\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div class=\"cmsmasters_column one_first\">\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banking &amp; Finance &ndash; CHG Czernich Rechtsanw\u00e4lte<\/title>\n<meta name=\"description\" content=\"CHG Rechtsanw\u00e4lte, Banking &amp; Finance, Bankvertragsrecht, Darlehens- und Kreditsicherungsrecht, Banken-AGB, das Wertpapierrecht\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking &amp; Finance &ndash; CHG Czernich Rechtsanw\u00e4lte\" \/>\n<meta property=\"og:description\" content=\"CHG Rechtsanw\u00e4lte, Banking &amp; Finance, Bankvertragsrecht, Darlehens- und Kreditsicherungsrecht, Banken-AGB, das Wertpapierrecht\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/\" \/>\n<meta property=\"og:site_name\" content=\"CHG Czernich Rechtsanw\u00e4lte \u2013 Wir bewegen Wirtschaft\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-27T06:37:30+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/\",\"url\":\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/\",\"name\":\"Banking & Finance &ndash; CHG Czernich Rechtsanw\u00e4lte\",\"isPartOf\":{\"@id\":\"https:\/\/www.chg.at\/en\/#website\"},\"datePublished\":\"2021-11-16T15:39:12+00:00\",\"dateModified\":\"2026-04-27T06:37:30+00:00\",\"description\":\"CHG Rechtsanw\u00e4lte, Banking & Finance, Bankvertragsrecht, Darlehens- und Kreditsicherungsrecht, Banken-AGB, das Wertpapierrecht\",\"breadcrumb\":{\"@id\":\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.chg.at\/en\/praxisgruppe-banking-finance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/www.chg.at\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banking &#038; Finance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.chg.at\/en\/#website\",\"url\":\"https:\/\/www.chg.at\/en\/\",\"name\":\"CHG Czernich Rechtsanw\u00e4lte \u2013 Wir bewegen Wirtschaft\",\"description\":\"Wir sorgen f\u00fcr Klarheit, wenn es rechtlich kompliziert wird. 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