Stadtsparkasse Düsseldorf An Overview pdf

The Savings Banks Finance Group and the German Savings BanksII.. Co-operative Banks under public law Volksbank Companies Raiffeisenbank Companies and their Controlling Institutions divid

Stadtsparkasse Düsseldorf

An Overview

I The Savings Banks Finance Group and the German Savings Banks

II About us

III

Agenda

Co-operative Banks

under public law

Volksbank Companies Raiffeisenbank Companies and their Controlling Institutions

dividends Equityand publiccapitalwelfareaccumulation/ region Equityand paymentcapitalto membersaccumulation

deposits Institution protectionthe Joint Liability Schemevia Institution protectionprotection schemes via

Supervised by BaFin (Federal Financial Supervisory Authority), regulated by KWG (German

Banking Act), contributing to Federal Restructuring Fund

1

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!

Regional Public Insurance Groups

Regional Building Societies

Landesbanken Savings Banks

Number of Institutions 600 Number of Employees 360,000

Capital

Investment

Companies

Capital ment Companies

Invest-of the Landesbanken

Employees 250

Deutsche Leasing

Regional Building Society Property Companies

Other Leasing Companies CompaniesFactoring

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 The Savings Banks Finance Group

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

Deposit guarantee schemewhich …

 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

I The Savings Banks in Germany

 426 independent savings banks in Germany

 Ownership: municipal trusteeship of localgovernments, 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

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

 According to German law savings banks are not allowed to open up

subsidiaries abroad, i.e each savings bank restricts its business activities to

the regions of the respectivemunicipality(ies)!

 Savings banks are decentralised institutions: Each savings bank is working

independently in its defined business region

 Each savings bank decides locally on its respective business policy, product

range and prices

Savings Bank

Municipal Loans Asset Management Foundations Donations Culture and Sports Sponsorship Regional Support etc

Private Accounts

Savings Retirement Provision

Bonds Asset Management International business etc

Business Model

„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 orstrong skills to the Sparkasse

regarding fair and objective advice

(Source: icon economic and financial markets research, August 2010)

 support of common welfare:

The Group is the largest non-governmental sponsor of culture, sports and in the social sector - in 2011, the Group alone donated € 504m!

II About us

2011 Changes to Previous Year

Balance Sheet

Total € 12,062m + €384m + 3,29 %Commission

Surplus €65.6m + €1.3m + 2,03 %Interest Surplus € 276.4m + € 0m + 0,00 %

Operating

Expenses €218.9m -€4.5m -2,04 %Profit for the Year € 14.8m + € 2.68m + 22,10%

Cost-Income Ratio 60,9 % - 1,4 %

Core Capital Ratio 9.2 % + 0,2 %

 Our History:

 1992: acquisition of Migros Bank

 2002: acquisition of Sparkasse Monheim am Rhein

 Institution incorporated under public law

 Municipal trusteeship of the City of Düsseldorf

 Represented by the Mayor who is also Chairman of our Advisory

Board

Facts & Figures

 Our Regional Presence:

 Our businessactivities are restricted to the area of the

municipalities of Düsseldorf and Cologne

 Headquarter: Berliner Allee 33, 40212 Düsseldorf

 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

Facts & Figures

 Retail Banking:

 More than 430,000 customers

 With 700,000 current and savings accounts

 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!

Facts & Figures

II About us

Facts & Figures

Specials of 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 translatedforms and internet pages)

 Weltspartag („World Savings Day“) held on 31 October each year:

promotion of the idea of „saving money“

 Spargeschenkgutschein: voucher given to parents for a new-born

 Schulsparen: kids save their pocket money in savings boxes in their school;

the amount is credited to each savings account at fixed times a year

Asset Management

Financing andLendingInternational Business/

 Our global network:

 Payment services including Cross Border Direct Debit

to part III)

the Landesbanken)

Trade Finance Business

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 2003 by the G25-Sparkassen; since 2006 also

supported by the Landesbanken

 Services available to all Group Members and their corporate customers

 Focus on comprehensive support for buildingup 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

Limited Partners

Deutsche Factoring Bank EuropaService

German Centres Deutsche Leasing

Company

Landesbanken

Request Solution

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

Worldwide „Factors Chain international“ Part of the network

of Euro Info Centres (300 in 40 countries)

Savings Bank

III S-CountryDesk Services for Customers - Examples

 Continual personal support by the expert advisers at the regional Sparkasse

 Continual personal support on the spot by our selected partners

 Up-to-date information on countries, foreign trade, payments …

 Search for cooperation partners

 Site-selection and start-up assistance

 Worldwide account opening

 International financing solutions, incl leasing

 Finished office space for straight-forward entry into emerging markets (via German Centres)

 Assistance in and outside the main cities

Contact Details – International Business