Stadtsparkasse Düsseldorf An Overview pdf

Stadtsparkasse Düsseldorf An Overview August 2012 page 2 I. The Savings Banks Finance Group and the German Savings Banks II. About us III. Agenda August 2012 page 3 Co-operative Banks Credit Banks Credit Institutions under public law 2 3 Big Banks Regional Banks Private Banks Foreign Bank Subsidiaries Savings Banks Landesbank Companies Central Building Societies Volksbank Companies Raiffeisenbank Companies and their Controlling Institutions Predominantly stock corporations Predominantly institutions under public law Co-operatives Profit distribution / dividends Equity capital accumulation and public welfare / region Equity capital accumulation and payment to members Funds for the protection of deposits Institution protection via the Joint Liability Scheme Institution protection via protection schemes Supervised by BaFin (Federal Financial Supervisory Authority), regulated by KWG (German Banking Act), contributing to Federal Restructuring Fund 1 1. The Structure of the German Banking Market „Three Pillar“-System August 2012 page 4 One of the largest Finance Groups worldwide:  Balance sheet total € 3,250bn  600 institutions  360,000 employees Status: 31.12.2011 One of the best rated Finance Groups worldwide:  Moody‘s Group long-term Rating: Aa2 / BFSR C+ (confirmed in April 2012)  Fitch Floor Rating: A+ / F1+ (confirmed in July 2012)  DBRS Floor Rating: A (high) / R-1 (Middle) (confirmed in May 2012)  The three marketable ratings apply also to the Stadtsparkasse Düsseldorf! I. The Savings Banks Finance Group August 2012 page 5 Regional Public Insurance Groups Regional Building Societies LandesbankenSavings Banks The Savings Banks Finance Group * Number of Institutions 600 Number of Employees 360,000 Status: 31.12.2011 Number of Institutions 426 Total Assets €1,098 bn Employees 245,969 Number of LB Companies* 8 Total Assets* €1,495 bn Employees 48,464 Number of Institutions 10 Total Assets €55 bn Employees 8,940 Number 11 Gross Premium Income €18.1 bn Employees 30,000 DekaBank German Giro Centre Capital Investment Companies Capital Invest- ment Companies of the Landesbanken Total Assets €134 bn Employees 3,957 No. of Institutions 74 Investments 1,508 Total Vol. €1.8 bn Employees 234 No. of Institutions 7 Employees 250 Deutsche Leasing Regional Building Society Property Companies Other Leasing Companies Factoring Companies No. of Contracts 245,500 Purchase Price €28.1 bn Employees 1,846 No. of Institutions 4 Purchase Price €47.9 bn Employees 565 No. of Institutions 10 Volume of Trade €5.2 bn Employees 450 No. of Institutions 3 Annual Turnover €20.1 bn Employees 192 * Excluding Deka I. Savings Banks Finance Group Market Set-Up * Not a representation of hierarchy or ownership structure August 2012 page 6 I. The Savings Banks Finance Group High market shares by business volume August 2012 page 7 Savings Banks Finance Group Joint Liability Scheme Savings Banks, Landesbanken, Central Building Societies 11 Regional Savings Banks‘ Protection Fund Landesbank Protection Fund Central Building Society Protection Fund I. Joint Liability Scheme of the Savings Banks Finance Group August 2012 page 8 I. Joint Liability Scheme of the Savings Banks Finance Group Deposit guarantee scheme which …  protects customer deposits in full – and thus goes far beyond the guaranteed amount of 100,000 € currently required under European legislation!  ensures that savings banks will continue to operate, i.e. that they will discharge all their obligations and that bank accounts will be maintained! Since the Joint Liability Scheme‘s inception in 1973,  not a single customer of any Savings Bank, Landesbank or Landesbausparkasse has lost any deposits or savings,  no compensation has ever had to be paid to depositors,  and no member institution has failed to honour ist financial obligations nor has there been a single insolvency! Please direct detailed questions concerning the Group to: Dr Thomas Keidel, Director Financial Market Relations German Savings Banks Association, Berlin Tel: +49 30 20225-5280, e-mail: thomas.keidel@dsgv.de August 2012 page 9 I. The Savings Banks in Germany Sparkasse = Savings Bank!  426 independent savings banks in Germany  Ownership: municipal trusteeship of local governments, i.e. savings banks are legally and economically independent units of municipalities  Total assets 1,098 bn Euro  Tier 1 ratio 10.5 %  Total capital ratio 15.8% as per German Solvency Regulation  15,441 branch offices (incl. self-service)  25,700 ATMs (cost-free access for all Savings Banks‘ customers!)  Around 246,000 employees Status: 31.12.2011 August 2012 page 10 I. The Savings Banks in Germany  Service provider for 50m customers  Market shares in private customer business:  33% in private housing construction loans (€ 236.9 bn)  25 % in consumer credits (€ 57.2 bn)  39 % in deposits  More than 40 % market share in SME business:  In 2011, € 66.7bn in loans was extended to SMEs  Supporting start-ups in Germany:  In 2011, savings banks financed 11,000 start-up plans  with funding requirements of € 1.1. bn  spurring the creation of 22,300 new jobs Status: 31.12.2011 [...]... product range and prices August 2012 page 11 I The Savings Banks in Germany Business Model Savings Bank Private Customers Private Accounts Savings Retirement Provision Personal Loans Housing Finance Private Banking Investments etc SMEs / Corporates Business Accounts Corporate Loans Company Start-Up Support Subsidy Allocation Bonds Asset Management International business etc Municipalities Municipal Loans... Stadtsparkasse Düsseldorf:  „Welcome Package“ for new customers: wooden box includes a City Map and City Guide of Düsseldorf, a map of the local public transport , a pen, a key ring etc.)  „48 Hours Loan“ for corporate customers: lean application procedures and a quick final credit decision  „Japan Desk“: group of 4 employees who offer full-range services in Japanese (including translated forms and internet... within Savings Banks Finance Group (WestLB, LBS, Deka, Provinzial, Leasing) Private Equity and Venture Capital Activities Payments/ Money Supply Capital Market Products/ Interest-rate and Currency Management Corporate and Institutional Customers Private Customers Private Banking International Business/ Foreign Operations Asset Management Financing and Lending Product Range of a Universal Bank August 2012... financing/discounting/forfaiting  participant in trade finance programs of EBRD and IFC  Financing of ECA-covered receivables  ECA-covered (guaranteed) buyer‘s credits (in cooperation with the Landesbanken) August 2012 page 23 III S-CountryDesk  International cooperation network of the Savings Banks Finance Group comprising selected European and international banks and other service providers  Founded 25 September... www.countrydesk.de August 2012 page 24 Limited Partners Landesbanken German Centres Deutsche Leasing Request Company Branches and representative offices Beijing, Delhi.Gurgaon, Jakarta, Mexico City, Shanghai, Singapore, Moscow Subsidiaries in 15 European countries, China, USA Selected banking partners and service providers worldwide Savings Bank Solution Deutsche Factoring Bank EuropaService Deutsch-Poln Kooperationsbüro... municipalities of Düsseldorf and Cologne Headquarter: Berliner Allee 33, 40212 Düsseldorf 71 branches 153 ATMs 2,220 employees Our Commitment:    We serve all customers in our core region, including support and financing for business start-ups We act as a universal bank We offer tailor-made products and solutions August 2012 page 16 II About us Facts & Figures  Retail Banking:  More than 430,000 customers... International Banking Relations www.sskduesseldorf.de/bankingrelations Contents:  About us (incl profile, SSI, contact list)  Credit Ratings  Financials  Compliance/AML (incl Patriot Act) August 2012 page 22 II About us Trade Finance Business  Documentary Collections  Guarantees and Standby Letters of Credit  Letters of Credit  confirmation  post financing/discounting/forfaiting  participant in trade... current and savings accounts  Corporate Banking:  Around 21,000 SMEs  With 42,000 accounts  Start-ups:  financing of 140 new businesses in 2011 (previous year: 96, +45,8%)  volume of € 5.6m (previous year: € 3.9 m, +43.6%)  Our Market Share in Retail and Wholesale Banking: over 50 %!  We are THE leading bank in Düsseldorf and Monheim! August 2012 page 17 II About us Facts & Figures Specials of Stadtsparkasse. .. 2006 also supported by the Landesbanken  Services available to all Group Members and their corporate customers  Focus on comprehensive support for building up or extending cross-border activities of their customers  Offers savings banks and their customers the chance to profit from the infrastructure, products, local expertise and excellent trained staff of the partner banks and service providers www.countrydesk.de... Municipalities Municipal Loans Asset Management Foundations Donations Culture and Sports Sponsorship Regional Support etc August 2012 page 12 I The Savings Banks in Germany „Sparkasse“ stands for …  public service obligation to ensure quality financial services and be a dependable partner to private customers, SMEs/Corporates and municipalities  high advisory skills 57% of the Germans assess very strong or strong . Stadtsparkasse Düsseldorf An Overview August 2012 page 2 I. The Savings Banks Finance Group and the German Savings Banks II. About us III. Agenda August 2012 page 3 Co-operative Banks. Banks Credit Institutions under public law 2 3 Big Banks Regional Banks Private Banks Foreign Bank Subsidiaries Savings Banks Landesbank Companies Central Building Societies Volksbank. Stadtsparkasse Düsseldorf! I. The Savings Banks Finance Group August 2012 page 5 Regional Public Insurance Groups Regional Building Societies LandesbankenSavings Banks The Savings Banks