The author aims to highlight the significance of corporate and social responsibility, particularly in the context of banks, and to provide a detailed introduction to the model of the Second Savings Bank. As the title suggests, this bank is not an ordinary commercial bank; it is a bank for people without a bank. What exactly this means will be explained to the readers in Chapter Five. Other topics address the concept of Corporate Social Responsibility and also provide insights into the debt situation of households in Austria. Furthermore, the extent of poverty and the risk of poverty in Austria is summarized based on the latest EU-SILC survey.