Introducing : The Savings Banks Finance Group of Baden-Wuerttemberg
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Introducing :
The Savings Banks Finance Group
of Baden-Wuerttemberg
A strong financial partner :
loans totaling
EUR 139 billion
Good for Baden-Wuerttemberg :
50,000 jobs
and 3,000 trainees
On-site financial services :
2,000 branches
in Baden-Wuerttemberg
Savings Banks Finance Group of Baden-Wuerttemberg
Head office: Stuttgart
Employees: 328
51 Savings Banks in Baden-Württemberg
Branches: 1,984 Customer deposits: EUR 150.7 billion
Employees: 30,990 Customer loans: EUR 139.3 billion
Balance sheet total: EUR 215.8 billion (30. June 2020)
Landesbank Baden-Württemberg
Stuttgart / Karlsruhe / Mannheim / Mainz
40,5 %
Consolidated balance sheet total: EUR 257 billion (IFRS)
Employees: 10,005
Landesbausparkasse Südwest
Stuttgart / Karlsruhe / Mainz
87,5 %
Balance sheet total : EUR 20.5 billion
Employees: office staff 990 / field staff 600
SV SparkassenVersicherung
Baden-Württemberg, Hesse, Thuringia, Rhineland-Palatinate
SV Holding AG Stuttgart (Group) 63,3 %
Balance sheet total: EUR 27.3 billion
Group: Gross premiums written: EUR 3.48 billion
Employees: office staff 3,120 / field staff 1,850
Deutsche Leasing DekaBank Deutsche Girozentrale
18,8 % 15,84 %
Bad Homburg Frankfurt a.M.
Balance sheet total: EUR 22.1 billion Balance sheet total: EUR 97.3 billion (IFRS)
Employees: 2,620 (30.09.2019) Employees: 4,720
16,5 % 10,8 %
Finanz Informatik GmbH & Co. KG Deutscher Sparkassenverlag, Stuttgart
Frankfurt a. M. Group sales unconsolidated: EUR 640 million
Turnover: EUR 2.0 billion, Employees: 3,770 Employees: 2,000
Unless otherwise stated, all figures correspond to the status as of 31 December 2019; group sales of the DSV Group are unconsolidated;
all employees including trainees; the number of employees has been rounded to 10. © SVBW 2020
The Savings Banks Finance Group of Baden-Wuerttemberg
The 51 savings banks in Baden-Wuerttemberg
(July 2020)
Rhein Neckar Nord
Tauberfranken
Neckartal-Odenwald
Heidelberg
Hohenlohe-
kreis
Kraichgau
Heilbronn Schwäbisch Hall-
Crailsheim
Karlsruhe
Ludwigsburg
Rastatt-Gernsbach
Waiblingen Ostalb
Baden-Baden Gaggenau Pforzheim LBBW
Calw Stuttgart
Ra-Ge
Bühl
*
Hanauerland Böblingen Esslingen- Göppingen Heidenheim
Nürtingen
Offenburg/
Ortenau
Freudenstadt Tübingen
Gengenbach
Reutlingen Ulm
Haslach- Wolfach
Zell Zollernalb
Rottweil
Freiburg-
Nördlicher
Breisgau Schwarzwald- Biberach
Baar Tuttlingen Sigmaringen
P-M
Staufen- Pfullendorf-
Breisach Hochschwarzwald Meßkirch
Mark- Ravensburg
gräfler- St.
Hegau- Salem-
land Blasien Bonndorf-
Wiesental Stühlingen Bodensee Heiligen-
berg
Stand: Januar 2018
Hochrhein Engen- Bodensee
Gottmadingen
Reichenau
Lörrach-Rheinfelden
* On the territory of the state capital Stuttgart the LBBW complies with the tasks of a savings bank.
4
Collecting savings deposits in one‘s own region, keeping them safe and making The participants of the Trainee Summer
Academy 2019 at the savings banks‘ academy
them available as loans for new investments – this is the core of the savings
of Baden-Wuerttemberg
banks‘ effective idea for success. For more than 250 years, the 51 savings banks Photo: Ines Rudel
in Baden-Wuerttemberg have been keeping the economic cycle going as finan-
cial partners, thus enabling founders and traditional companies to invest and
create new jobs.
In essence, the savings banks have always remained true to their founding
idea. Over the centuries and decades, the business model has repeatedly
adapted to changing conditions with contemporary financial products and
advisory services. This applies to the period of industrialisation, to the
new beginnings after 1918 and 1945, to the years after the financial crisis
in 2008 / 2009, but also now, in 2020, in response to the corona pandemic.
Business development as of 30 June 2020
(change compared to June 2019)
2020 Change compared to 2019
€bn €bn %
Balance sheet total 215.8 16.3 8.1
Customer deposits 150.7 7.7 5.4
Private customers 113.6 6.2 5.8
Companies and self-employed 25.0 2.3 10.0
Public authorities 6.6 - 0.8 - 10.8
Other customers 5.4 0.0 0.4
Customer loans 139.3 5.9 4.4
Private customers 65.5 3.1 5.0
Companies and self-employed 66.4 2.9 4.5
Public authorities 3.8 - 0.3 - 6.3
Other customers 3.6 0.2 5.8
5
Landesbank Baden-Wuerttemberg
Landesbank Baden-Wuerttemberg (LBBW) is a medium-sized uni-
versal bank and the central institution of the savings banks in Baden-
Wuerttemberg, Saxony and Rhineland-Palatinate. With total assets of
around 257 billion euros and around 10,000 employees, it is one of the
largest banks in Germany. Together with the Baden-Wuerttembergische
Bank (BW-Bank), which belongs to the LBBW Group, it offers the complete
range of products and services of a modern universal bank nationwide.
In the area of the state capital Stuttgart, BW-Bank fulfills the tasks of a
savings bank for LBBW.
LBBW’s business model is based on five pillars: corporate customers,
private customers, savings banks, real estate financing and financial
markets. LBBW also supports its corporate customers and those of the
savings banks in their international activities.
LBS Landesbausparkasse Suedwest
As the building society of the savings banks, LBS is the competent partner
for building, living and financing within the Savings Banks Finance Group.
The core business of LBS is building saving and mortgage lending. The
company supports its 1.7 million customers with high-quality products
and advice, often over many years. Its services also include real estate
services for building, buying, selling, renovating and modernising as well
as debt rescheduling, financing with public funds or real estate insurance.
The advantages of building savings and Riester incentives can be com-
bined with the LBS home pension, the residential Riester offer of LBS.
LBS Suedwest is the market leader in Baden-Wuerttemberg with a
market share of around 40 percent. Every eighth inhabitant of Baden-
Wuerttemberg is an LBS building saver. Around 1,600 employees
work for LBS in office and field service.
SV SparkassenVersicherung
SV SparkassenVersicherung is a modern regional insurer. It pools the
Savings Banks Finance Group’s insurance offering in Baden-Wuerttem-
berg, Hesse, Thuringia and parts of Rhineland-Palatinate. 3.9 million
customers entrust SV with the protection of their assets. They have
concluded 7.8 million insurance contracts. You can insure buildings, cars,
household goods or even business. SV also offers all types of life in-
surance as well as legal protection, health insurance and long-term care
provision. As market leader in building insurance, the company insures
a good two thirds of all buildings in Baden- Wuerttemberg and Hesse.
In 2019, SV recorded premium income of around EUR 3.5 billion.
SV offers around 5,000 highly qualified jobs in office and field service.
Every year, the company fills around 100 training and study places.
9
-DKUHBarrierefreie
Dienstleistungen
Zertifikat
Am 19. Februar 2019 ist die
Sparkasse Rastatt-Gernsbach
der Zielvereinbarung zu barrierefreien Dienstleistungen
zwischen dem Sparkassenverband Baden-Württemberg
und den Organisationen und Selbsthilfegruppen behinderter
Menschen in Baden-Württemberg beigetreten.
Damit ermöglicht sie Menschen mit Einschränkungen,
Dienstleistungen der Sparkasse barrierefrei in Anspruch zu nehmen.
Wir beglückwünschen die Sparkasse zu diesem vorbildlichen Schritt.
nd Baden
ba -
er
W
v
parkassen
ürt
5. März 2019
temberg •
Stuttgart Peter Schneider
•S
Präsident
•
L A G HILF.EV .
•
BST rg e
SEL embe
W ü r tt
Baden-
Landesverband für
Menschen mit Körper-
und Mehrfachbehinderung
Baden-Württemberg e.V.
Zielvereinbarung
zu barrierefreien Dienstleistungen
zwischen dem Sparkassenverband Baden-Württemberg und den
Organisationen und Selbsthilfegruppen behinderter Menschen
in Baden-Württemberg
•
L A G HILF.EV .
•
SE LBW üST
r tt e m
berg
e
Baden-
Landesverband für
Menschen mit Körper-
und Mehrfachbehinderung
Baden-Württemberg e.V.Savings banks – an active commitment to society
Savings banks –
active for society
The savings banks in Baden-Wuerttemberg – just like the affiliated com-
panies LBBW, SV and LBS – combine economic success with social respon-
sibility. They are committed to the common good and play an active role
in the economic, social and cultural development of their regions. They
promote art and culture, education, sports, environmental protection and
social projects. With their diverse social commitment, the savings banks
improve the quality of life and make a significant contribution to the
quality of the location in Baden-Wuerttemberg.
Among the outstanding projects in the field of art and culture are the
Große Landesausstellungen (Great State Exhibitions). The Savings Banks
Finance Group supports many of these important exhibitions with sub-
stantial amounts of money – often
as the main sponsor. Such as the
two large state exhibitions “Aztecs”
in the Lindenmuseum in Stuttgart
and “Emperor and Sultan” in the
Baden State Museum in Karlsruhe.
The savings banks are also an
important sponsor of the Bundes-
gartenschauen (Federal Garden
Shows) and the Heimattage (Home
Days) in Baden-Wuerttemberg.
With funding of half a million euros
nationwide, the music competition
“Jugend musiziert” (youth makes
Award ceremony “Vorbilder des Jahres” (role models of the year) 2019: All role models and their
music) is one of the savings banks’
laudators (from left): Association managing director Dr. Joachim Herrmann, Wolfgang Lohse, outstanding sponsorship commit-
Anne Köhler, Nane Frank, Daniel Baudis, Maria Laura Alvarez-Ugarte, Franca Lauinger, Corinna Döring, ments. In Baden-Wuerttemberg,
Gerhard Göker, Yvonne Schweigert, Kerstin Grießer, Christoph Rabe, Petra Schwegler, Roland Krimmer,
Gerhard Banholzer, Helga Gillich , Britta Baumann, Ralph Janke, Philipp Vorhauer, Michael Göhner,
too, the promotion of “Jugend
Heike Barth, Philip Heintz, Hermann Gantner, Sven Albrecht and Stefanie Kuhnert Photo: Anja Wieland musiziert” is part of good manners.
Many savings banks promote
regional preliminary decisions,
support the state competition
and offer young award winners a
stage, for example, at events and
awardee concerts.
In the area of sports, the savings
banks primarily promote popular
sports in their regions – but
top-class sport is also included.
A permanent partner are the
Eliteschulen des Sports (elite
sport schools), which are
The former Fruchtschuppen (fruit shed)-area between the Alt-Neckar and the Neckar canal in Heilbronn
has been transformed into a thriving garden and urban district as part of the Bundesgartenschau represented at seven locations
(Federal Garden Show). Photo: BUGA Heilbronn 2019 GmbH in Baden-Wuerttemberg.
14Award ceremony at Sparkasse Zollernalb: At the end of the second Bildungswettbewerb der Stiftung Kunst, Bildung und Kultur (educational competition
of the Foundation for Art, Education and Culture Foundation), CEO Markus Schmid (right) presented the donation certificates. A jury selected 13 projects
that will be funded with a total of 36,750 euros. Photo: Benjamin Treuz
Together, they receive a total of 50,000
euros per year. Schools support young
talents in getting training and school
under one roof. In this way, they help to
secure the professional future of athletes.
In gratitude for exemplary voluntary
commitment, the Wuerttembergische
Sportjugend (Wuerttemberg Sports Youth)
and the savings banks honour youth
coaches, youth leaders and club employees
every year with the award “Vorbilder des
Jahres” (role models of the year). This Bezirkssparkasse Reichenau was awarded the title of honorary-friendly employer by
award makes it clear that honorary the Ministry of the Interior. The savings banks’ board members Johann Roth and Günter
commitment is by no means a matter of Weber (centre, 5th and 6th from left) together with the mayor of Reichenau, Dr. Wolfgang
Zoll (3rd from right) and fire brigade commander Andreas Schlegel (far left) as well as the
course, but deserves high recognition. employees of the Bezirkssparkasse Reichenau, who volunteer their services at the fire
brigade: Sebastian Böhler, Alexander Peters, Andreas Brunnemann, Sven Leonards and
A similar idea is pursued by the Kulturland- Markus Schlegel (from left). Photo: Daniel Korn, Bezirkssparkasse Reichenau
schaftspreis (Cultural Landscape Award),
which the savings banks award together
with the Schwäbischer Heimatbund
(Swabian Homeland Federation). Anyone
who has rendered outstanding services
to the preservation of orchard meadows,
juniper heaths, dry stone walls or small
monuments in the country can receive a
prize. The Cultural Landscape Award is
endowed with a total of 11,000 euros.
All in all, the savings banks provide over
EUR 50 million each year for social commit-
ment. To ensure that this support is also
sustainable, there are 99 savings bank
foundations in Baden-Wuerttemberg,
which reliably accompany many initiatives The Savings Banks Finance Group supports numerous sporting events. For example the
with their distributions. Einstein Marathon – presented by the Sparkasse Ulm.
15The Association of Savings Banks of Baden-Wuerttemberg
The Savings Banks Association –
tasks and activities
The savings banks association of Baden-Wuerttemberg is one of twelve
regional savings banks associations in Germany. As the association
of the savings banks in Baden-Wuerttemberg, it is the central service
provider for its 51 member institutions and the associated companies
Landesbank Baden-Wuerttemberg (LBBW), Landesbausparkasse Suedwest
(LBS) and SV SparkassenVersicherung.
The tasks of the savings banks association are manifold:
• It represents the interests of its member institutions and strengthens
their position in competition within the banking industry.
• It supports and advises the member institutions in adapting to changing
legal, business and economic conditions.
Prominent guests at the Sparkassenakademie
• It initiates and controls the development of new products and concepts
(savings banks academy): The former Bundes-
bank board member Dr. Andreas Dombret for the member institutes.
(left) and today’s Bundesbank board member • In the Sparkassenakademie (savings banks academy), it offers the
Burkhard Balz (center). The conference was
moderated by association manager Dr. Joachim
employees of the Savings Banks Finance Group a comprehensive range
Herrmann. Photo: Ines Rudel of training and further education measures geared to practical needs.
• The audit office of the Savings Banks Association is the statutory
auditor of the savings banks in Baden Wuerttemberg and also carries
out other business and regulatory audits at the savings banks and their
Expert discussion in Berlin: At the end of subsidiaries.
June 2017, a delegation from the Sparkassen-
verband Baden-Wuerttemberg met with the
The savings banks have always combined economic success with social
then Federal Minister of Finance and today’s
President of the Bundestag, Dr. Wolfgang commitment and social responsibility. They are committed to the common
Schäuble and other members of the Bundestag, good and promote it in the fields of art, culture and sport. The Savings
including Andreas Jung, deputy. Chairman of
Banks Association plays an active and leading role on behalf of its member
the CDU parliamentary group in the German
Bundestag. institutions. It is the organizer of the “Jugend musiziert” (Youth makes
Photo: Julia Nowak music) and “Vorbild sein” (Be a role model) competitions.
16Sparkassenverband Baden-Wuerttemberg – organization chart
department directly
linked to the President President Peter Schneider
Association Director
Dr. Joachim Herrmann
General policy, legal service, Sparkassenakademie Marketing,
human resources and (savings banks academy) business management Auditing agency
administration and controlling
Stv. VGF Dr. Harry Streib Frank Metzner Dr. Markus Vogtmann WP / StB Thomas Witt
General policy and Quality control, IT and risk
Specialists and managers Business consultancy
investments management
Reporting, supervisory law and
Legal issues Junior staff Sales and marketing
organization
Human resources,
Consulting Controlling Tax consultancy
organization and finance
Information technology
Business management Field auditing service
and internal services
Once a year, it also awards the Gründerpreis Baden-Wuerttemberg (Baden-
Wuerttemberg Founders’ Prize), organises the Kommunalforum (Municipal
Forum) and many other events.
The Savings Banks Association of Baden-Wuerttemberg has around
330 employees – most of whom are banking specialists. Over 80 of them
work in the audit field service.
The Sparkassenakademie
(savings banks academy)
offers:
• 20 training rooms
• 148 residential studios
• 45 daycare spaces
• conference rooms for up to
250 people
• conference hall for up to
600 people
• own kitchen,
2 restaurants
The Sparkassenakademie (savings banks academy) at Pariser Platz in Stuttgart was inaugurated
in 2014. Photo: Horst Rudel
17Activities of the association
Activities of the
Savings Banks Association
The Sparkassenverband Baden-Wuerttemberg (Savings Banks Association
of Baden-Wuerttemberg) not only bundles the interests of the 51 savings
banks and associated companies, it also organises a number of central
events that are important for the public visibility of the Savings Banks
Finance Group.
Central events
The largest event of the Savings Banks Finance Group is the Baden-
Wuerttembergischer Sparkassentag (Baden-Wuerttemberg Savings
Banks Day), which takes place every three years. Approximately 1,200
visitors meet for an afternoon of thematic presentations. In 2012, the
Sparkassentag took place under the motto “Europe. No trust without
stability” in Mannheim; 2015 in Stuttgart under the motto “Freedom and
responsibility”. The Savings Banks Finance Group met in Offenburg in
2018. The event was entitled “The Future of Europe – Shaping Change,
Gaining Trust”. The Sparkassentag will take place in Ulm in 2021.
In addition to the Sparkassentage (savings bank days) and special
forums – such as the Handels- und Kommunalforum (trade and municipal
forum) – the savings banks association regularly invites to take part in
Baden-Wuerttembergischer Sparkassentag financial policy questions. For example, in 2019 together with the Europa-
(Baden-Wuerttemberg Savings Banks Day)
2018 under the motto “The Future of Europe”
Zentrum Baden-Wuerttemberg (Center for Europe Baden-Wuerttemberg)
(from left): The chairman of the association for a discussion evening before the European elections. For Weltspartag
assembly, Mayor Wolfgang Dietz, historian (World Savings Day) 2017, the association and the Baden-Wuerttem-
Prof. Christopher Clark, the president of the
bergischer Genossenschaftsverband (Baden-Wuerttemberg Association
World Institute of Savings Banks, Heinrich
Haasis, Baden Wuerttemberg’s Sparkassen of Cooperatives) organized a symposium on monetary policy at the
President Peter Schneider, moderator Claudia European Central Bank entitled “Saving must be worthwhile again !”.
Kleinert, Prime Minister Winfried Kretschmann,
Offenburg’s Mayor Edith Schreiner, DSGV
President Helmut Schleweis and economist In view of the increasing regulation by the European Union and the
Prof. Volker Wieland European Central Bank, the Sparkassenverband Baden-Wuerttemberg
presented a paper in July 2016
together with the Handwerkstag,
the Chamber of Industry and
Commerce and the Baden-
Wuerttemberg Association of
Cooperatives, which shows
the effects of regulation on the
economy. Specifically, the four
associations are calling for regu-
lation with more sense and under-
standing of the needs of small
and medium-sized companies.
Since 2017, the four associations
have discussed the demand in
annual discussions in Brussels
with MEPs and representatives
of the EU Commission and
received a lot of approval.
18Gruenderpreis (Founders Prize) The winners of the Gruenderpreis (Founder’s
Prize) 2019 with Minister of Economic Affairs
The savings banks in Baden-Wuerttemberg support around 2,000 start-ups
Dr. Nicole Hoffmeister-Kraut, Savings Bank
each year. Together with the state, they are among the most important President Peter Schneider and the members
sponsors of young companies. The Gruenderpreis Baden-Wuerttemberg of the executive boards of the savings banks
(Baden-Wuerttemberg Founders Prize), which has been around for over 20 in whose business areas the prize winners are
based.
years, offers a platform for promising start-ups. Every year, five young com-
panies are awarded prize money totaling 25,000 euros in the “Start-up” All photos:
category. In addition, a successful entrepreneur is honored for his life’s Wolfgang List, www.perfectfotos.com
work – for example Prof. Viktor Dulger, Prof. Artur Fischer, Arthur
Handtmann, Erwin Hymer or Dr. Sybill Storz. In 2019 it was Manfred Tries,
founder and owner of Manfred Tries GmbH und Co KG in Ehingen in the Alb
Donau district.
Kommunalforum
(Municipal Forum)
Central questions on current eco-
nomic and socio-political issues
are the focus of the municipal
forum, which takes place regularly
in October in Baden-Baden. For
more than 20 years, the event has
been a fixture in the calendars
of the counties, cities and muni-
cipalities in the state of Baden-
Wuerttemberg. Around 500 muni-
cipal decision-makers take
advantage of this opportunity every
year and come to the Congress
Centre in Baden-Baden.
In 2019, the Municipal Forum stood under the guiding principle of The Kommunalforum (Municipal Forum)
will take place in the Kongresshaus in
“Rethinking living space”. Speakers included Minister of Economic Affairs
Baden-Baden.
Dr. Nicole Hofmeister-Kraut, Baden-Baden’s Lord Mayor Margret Mergen,
architect Van Bo Le-Menzel, anthropologist Dr. Elisabeth Oberzaucher,
Prof. Dr. Michael Voigtländer, Head of the Financial Markets and Real Estate
Markets Competence Area at the Institut der deutschen Wirtschaft in
Cologne, Roger Kehle, President of the Municipal Congress, and the Lord
Mayor of Heidelberg, Prof. Dr. Eckart Würzner.
19The activities in Burundi
Savings Banks Finance Group
supports finance academy in Burundi
In 2016, the then director of the educational
academy for microfinance in Burundi, Adams
Sinarinzi (far left) was a guest in Stuttgart.
Next to him in the photo (from left): the project
coordinator Prof. Dr. Tobias Peylo, an expert
from Baden-Wuerttemberg, Julia Peylo, the
managing director of the Sparkassenstiftung
fuer internationale Zusammenarbeit e. V.,
Niclaus Bergmann, and SVBW President Peter
Schneider
Photo: Horst Rudel
Burundi is located in East Africa, has around ten million inhabitants and
has been an official partner country of Baden-Wuerttemberg since 2014.
It is one of the poorest countries in the world. Like its neighbour Rwanda,
it was shaken by a civil war and has been plagued by unrest ever since.
Together with the Burundian microfinance association “Réseau des
Institutions de Microfinance au Burundi” (RIM) and Sparkassenstiftung
fuer internationale Kooperation e. V., the Sparkassenverband Baden-
Wuerttemberg supports the establishment of a training academy for
microfinance staff – a successful model that has also been implemented
in the neighbouring country of Rwanda (with the help of the Sparkassen-
verband Rheinland-Pfalz).
Employees of the microfinance institute
“Réseau des Institutions de Microfinance au As part of a cooperation agreement, the SVBW finances a staff member
Burundi” (RIM), the Sparkassenstiftung and
in Burundi who coordinates the project on site. The association also
the experts sent by the Sparkassenverband
Baden-Wuerttemberg Julia Peylo and covers the costs of two experts, who mainly work on a voluntary basis
Prof. Dr. Dieter Gramlich in January 2015. and contribute their knowledge in the areas of project management,
marketing and financial education in several
project assignments on site.
Despite the difficult political situation in Burundi,
a good 50 microfinance institutions have been
founded in the country, whose umbrella organiza-
tion is the association RIM. These institutes now
have their own training academy. “Here our em-
ployees can learn what they need to advise their
clients,” explains Bernard Kinyata, manager of the
microfinance institute RececaInkingi and chairman
of the supervisory board of the microfinance asso-
ciation RIM, in which the Burundian microfinance
institutions have joined forces. “Before, we often
had the problem that our own employees were too
20A business simulation game from the
Sparkassenstiftung is used to train coaches.
With the simulation farmers are to be trained in
economics. Bridging the long periods between
harvest revenues is a particular challenge.
Photos: Tobias Peylo
A report on the trip to Burundi by Prof. Dr.
Tobias Peylo is published on the YouTube
channel of the Sparkassenverband Baden-
Wuerttemberg: www.youtube.de / svbwdeu
There is also a magazine broadcast by the TV
station bw family.tv on the channel to build up
poorly trained to really help the microentrepreneurs. Thanks to coopera- the financial academy in Burundi.
tion with Sparkassenstiftung, this has now changed.”
The Sparkassenstiftung fuer internationale Kooperation is working world-
wide to establish and professionalise a stable financial system that – just
like the savings banks in this country – is there for all people and not
just for the upper classes. The men and women who work in the smallest
companies with heart and soul and great courage to make a living for
themselves and their families are not dependent on gifts – but they need
fair conditions and access to simple, understandable and honest financial
services.
The Microfinance Academy in Burundi. Despite
This principle of “helping people to help themselves” is a central founding the short period of its existence, it is well on
the way to becoming self-employed – thanks to
idea of the savings banks and that is why the Savings Banks Finance Group
the high level of commitment of the employees
of Baden-Wuerttemberg has been promoting the educational project in on site and the support of the Sparkassen-
the Baden-Wuerttemberg partner country Burundi with great dedication Finanzgruppe Baden-Wuerttemberg.
and commitment since 2014. After four
years, the microfinance association RIM
was able to turn the concept of the
microfinance academy from dream to
reality despite the most difficult frame-
work conditions with the support of the
Sparkassenstiftung and the experts sent
and financed by SVBW. Training courses
are held today that not only convey
important financial knowledge, but also
cover their costs – an essential prerequi-
site for economic sustainability. The
academy is not yet able to support itself
completely without help, but it is on the
right track. The SVBW will continue to
support the academy.
21The 51 savings banks of Baden-Wuerttemberg
Baden-Wuerttemberg‘s savings banks
(at 1 July 2020)
Savings Bank Chairman of the Board of Owner
Supervisory Board Managing Directors representative
Sparkasse Lothar Volle, Martin Semmet,
BM Karsten Mußler OB Margret Mergen
Baden-Baden Gaggenau Susanne Burg
Kreissparkasse Martin Bücher, Kurt Hardt,
LR Dr. Heiko Schmid OB Gerold Rechle
Biberach Dr. Michael Schieble
Sparkasse Lothar Mayer, Franz Bernhard Bühler,
OB Uli Burchardt LR Lothar Wölfle
Bodensee Christoph Müller
Kreissparkasse Dr. Detlef Schmidt, Michael Tillmann,
LR Roland Bernhard OB Thomas Sprißler
Böblingen Michael Fritz
Sparkasse
BM Michael Scharf Theo Binninger, Georg Riesterer BM Tobias Gantert
Bonndorf-Stühlingen
Sparkasse
OB Hubert Schnurr Frank König, Matthias Frietsch BM Oliver Rastetter
Bühl
Sparkasse
BM Johannes Moser Andrea Grusdas, Frank Lammering BM Dr. Michael Klinger
Engen-Gottmadingen
Kreissparkasse Burkhard Wittmacher, Kai Scholze,
LR Heinz Eininger KR / BM Bernhard Richter
Esslingen-Nürtingen Frank Dierolf
Sparkasse Marcel Thimm, Erich Greil,
OB Martin Horn OB Stefan Schlatterer
Freiburg-Nördlicher Breisgau Lars Hopp, Bernd Rigl
Kreissparkasse LR Dr. Klaus Michael
Werner Loser, Bernd Philippsen OB Peter Rosenberger
Freudenstadt Rückert
Sparkasse
BM Thorsten Erny Martin Seidel, Matthias Heck BM Bernd Bruder
Gengenbach
Kreissparkasse
LR Edgar Wolff Dr. Hariolf Teufel, Klaus Meissner KR / GF i. R. Kurt Moll
Göppingen
Sparkasse
OB Toni Vetrano Jutta Grandjean, Wolfgang Huber BM Michael Welsche
Hanauerland
Sparkasse
BM Philipp Saar Bernd Jacobs, Carlo Carosi BM Günter Pfundstein
Haslach-Zell
Sparkasse
OB Bernd Häusler Dr. Alexander Endlich, Jens Heinert, OB Martin Staab
Hegau-Bodensee
Sparkasse Rainer Arens, Thomas Lorenz,
OB Prof. Dr. Eckart Würzner BM Christiane Staab
Heidelberg Stefan Beismann
Kreissparkasse
LR Peter Polta Dieter Steck, Thomas Schöpplein OB Bernhard Ilg
Heidenheim
Kreissparkasse Ralf Peter Beitner, Matthias Peschke,
LR Detlef Piepenburg OB Harry Mergel
Heilbronn Bernhard Steck, Marcus Nähser
Sparkasse
OB Dr. Philipp Frank Heinz Rombach, Wolf Morlock BM Alexander Guhl
Hochrhein
Sparkasse
BM Andreas Hall Jochen Brachs, Michael Frech BM Meike Folkerts
Hochschwarzwald
Sparkasse
LR Dr. Matthias Neth Bernd Kaufmann, Werner Siller BM Torsten Kunkel
Hohenlohekreis
Sparkasse Michael Huber, Thomas Schroff,
OB Dr. Frank Mentrup BM Stefan Martus
Karlsruhe Lutz Boden, Marc Sesemann
Sparkasse Norbert Grießhaber, Thomas Geiß,
OB Cornelia Petzold-Schick OB Jörg Albrecht
Kraichgau Michael Reichert
Sparkasse
OB Jörg Lutz Rainer Liebenow, Klaus Jost OB Klaus Eberhardt
Lörrach-Rheinfelden
Kreissparkasse Dr. Heinz-Werner Schulte, Dieter Wizemann,
LR Dietmar Allgaier KR Rainer Gessler
Ludwigsburg Thomas Raab
Sparkasse Ulrich Feuerstein, Peter Blubacher,
OB Wolfgang Dietz BM Martin Löffler
Markgräflerland Patrick Glünkin
Sparkasse Michael Krähmer, Martin Graser,
OB Michael Jann BM Jürgen Galm
Neckartal-Odenwald Gerd Weiß
BM = Mayor (Buergermeister) LR = District Administrator (Landrat) KR = County Councillor (Kreisrat) OB = Lord Mayor (Oberbuergermeister)
22Deposits from customers Loans to customers 1) Business volume
€m €m €m
Dec, 31 Dec, 31 Dec, 31
2019 2018 2019 2018 2019 2018
1,587 1,542 1,233 1,218 2,063 1,967
3,717 3,460 2,745 2,652 5,795 5,569
3,422 3,376 3,437 3,344 4,669 4,548
6,224 5,808 6,549 6,281 8,990 8,581
416 390 313 282 571 535
737 702 604 585 1,048 1,008
737 692 762 701 1,069 994
7,662 7,311 6,774 6,523 9,902 9,186
5,118 4,736 5,103 4,874 6,933 6,615
1,420 1,367 1,120 1,048 1,928 1,841
290 274 327 311 485 451
4,070 4,092 3,966 4,093 6,104 5,981
801 796 880 825 1,469 1,412
809 799 717 725 1,109 1,095
2,309 2,160 2,376 2,258 3,385 3,286
5,725 6,146 5,355 5,314 7,954 7,808
1,500 1,513 1,311 1,246 2,147 2,128
7,335 6,749 7,548 7,058 10,272 9,326
2,280 2,176 2,338 2,284 3,346 3,147
843 797 784 731 1,200 1,107
1,592 1,532 1,204 1,136 2,018 1,945
6,817 6,306 6,704 6,215 9,157 8,576
3,228 3,221 2,387 2,223 4,313 4,228
1,730 1,608 2,252 2,192 2,936 2,774
7,473 7,180 6,157 5,856 11,171 10,843
1,549 1,457 1,863 1,740 2,651 2,460
1,816 1,748 1,371 1,292 2,369 2,296
1)
including acquired borrower‘s notes and registered bonds
23The 51 savings banks of Baden-Wuerttemberg
Savings Bank Chairman of the Board of Owner
Supervisory Board Managing Directors representative
Sparkasse Helmut Becker, Karl Bähr,
OB Marco Steffens OB Matthias Braun
Offenburg / Ortenau Jürgen Riexinger
Kreissparkasse Markus Frei, Dr. Christof Morawitz,
LR Klaus Pavel KR / Erster BM Dr. Joachim Bläse
Ostalb Dr. Tobias Schneider
Sparkasse Stephan Scholl, Hans Neuweiler,
OB Peter Boch LR Helmut Riegger
Pforzheim Calw Sieghardt Bucher, Dr. Georg Stickel
Sparkasse
BM Thomas Kugler Hubert Rist, Carsten Knaus BM Ralph Gerster
Pfullendorf-Meßkirch
Sparkasse
OB Hans Jürgen Pütsch Ulrich Kistner, Klemens Götz BM Julian Christ
Rastatt-Gernsbach
Kreissparkasse Heinrich Pumpmeier, Norbert Martin,
LR Harald Sievers BM Volker Restle
Ravensburg Dr. Manfred Schöner
Bezirkssparkasse
BM Dr. Wolfgang Zoll Johann Roth, Günter Weber BM Stefan Friedrich
Reichenau
Kreissparkasse Michael Bläsius, Joachim Deichmann,
LR Thomas Reumann OB Dr. Ulrich Fiedler
Reutlingen Martin Bosch
Sparkasse Stefan Kleiber, Helmut Augustin,
OB Dr. Peter Kurz BM Michael Kessler
Rhein Neckar Nord Thomas Kowalski
Kreissparkasse
LR Dr. Wolf-Rüdiger Michel Matthäus Reiser, Christian Kinzel KR / BM a. D. Herbert Halder
Rottweil
Sparkasse
BM Manfred Härle Ralf Bäuerle, Wolfgang Müller BM Frank Amann
Salem-Heiligenberg
Sparkasse Thomas Lützelberger, Michael Beck,
LR Gerhard Bauer KR / BM Kurt Wackler
Schwäbisch Hall-Crailsheim Klaus Ehrmann
Sparkasse
OB Jürgen Roth Arendt Gruben, Florian Klausmann OB Erik Pauly
Schwarzwald-Baar
Hohenzollerische Landesbank
LR Stefanie Bürkle Michael Hahn, Stefan Häußler KR / BM Stefan Bubeck
Kreissparkasse Sigmaringen
Sparkasse
BM Adrian Probst Gerhard Behringer, Klaus Kistler BM Helmut Kaiser
St. Blasien
Sparkasse
BM Michael Benitz Michael Grüninger, Georg Selinger BM Oliver Rein
Staufen-Breisach
Sparkasse
OB Markus Herrera Torrez Peter Vogel, Wolfgang Reiner LR Reinhard Frank
Tauberfranken
Kreissparkasse
LR Joachim Walter Dr. Christoph Gögler, Hans Lamparter BM Thomas Hölsch
Tübingen
Kreissparkasse
LR Stefan Bär Markus Waizenegger, Daniel Zeiler OB Michael Beck
Tuttlingen
Sparkasse Dr. Stefan Bill, Wolfgang Hach,
LR Heiner Scheffold OB Gunter Czisch
Ulm Ulrich Heisele
Kreissparkasse Ines Dietze, Lothar Kümmerle,
LR Dr. Richard Sigel OB Dr. Frank Nopper
Waiblingen Ralph Walter
Sparkasse
BM Peter Palme Lothar Müller, Georg Ückert BM Dirk Harscher
Wiesental
Sparkasse
BM Thomas Geppert Axel Fahner, Alexander Thau BM Thomas Haas
Wolfach
Sparkasse
LR Günther-Martin Pauli Markus Schmid, Claus Kimmerle BM Thomas Miller
Zollernalb
Assets total
Baden-Wuerttemberg
BM = Mayor (Buergermeister) LR = District Administrator (Landrat) KR = County Councillor (Kreisrat) OB = Lord Mayor (Oberbuergermeister)
24Deposits from customers Loans to customers 1) Business volume
€m €m €m
Dec, 31 Dec, 31 Dec, 31
2019 2018 2019 2018 2019 2018
3,566 3,317 2,976 2,788 4,812 4,533
4,358 4,044 3,596 3,372 5,593 5,236
8,785 8,205 8,805 8,438 13,091 12,446
647 617 526 498 834 795
1,315 1,256 1,027 972 1,732 1,701
3,836 3,767 3,294 3,197 4,979 4,756
726 655 1,170 1,072 1,283 1,162
4,075 3,950 3,537 3,533 5,409 5,265
3,670 3,454 3,141 2,841 5,173 4,885
2,251 2,111 1,790 1,720 3,069 2,911
733 683 595 557 940 894
2,338 2,170 2,358 2,234 3,702 3,436
2,807 2,683 2,329 2,203 3,917 3,684
1,328 1,276 999 936 1,857 1,734
235 220 355 305 480 421
1,128 1,028 1,032 949 1,515 1,358
2,128 2,033 1,854 1,819 2,882 2,741
3,992 3,736 3,972 3,817 5,515 5,139
2,527 2,409 2,548 2,418 3,940 3,732
4,972 4,831 4,192 4,060 6,588 6,346
6,722 6,481 6,731 6,519 9,068 8,668
862 832 839 804 1,200 1,145
351 329 296 274 491 470
2,778 2,719 2,180 2,078 3,692 3,514
147,335 140,742 136,325 130,414 206,817 196,680
1)
including acquired borrower‘s notes and registered bonds
25Annual Report
2019 Mittelstand stärken – Kreditfinanzierung sichern –
Finanzmarktregulierung anpassen – Digitalisierung gestalten
Gemeinsames Positionspapier von Handwerkstag, Industrie- und Handelskammertag,
Genossenschaftsverband und Sparkassenverband in Baden-Württemberg
Savings banks in Baden-Wuerttemberg
Strengthening SMEs – safeguarding loan financing –
adjusting financial market regulation – shaping digitalization
Common policy positions of the Baden-Württemberg Confederation of Skilled Crafts,
Chamber of Industry and Commerce, Federation of Cooperatives and Association of Savings Banks
Die Wirtschaft in Baden-Württemberg The economy of Baden-Württemberg
ist mittelständisch geprägt. Mehr als is characterized by small and medium-
99 Prozent der Unternehmen sind sized enterprises, which constitute
kleine und mittlere Unternehmen. Sie over 99 % of companies. They form
bilden das Rückgrat der baden-württem- the backbone of Baden-Württemberg’s
bergischen Wirtschaft als Triebfeder für economy as drivers of innovation,
Innovationen, Investitionen, sichere investment, secure employment
Arbeitsplätze und Wachstum. and growth.
Sparkassen sowie Volksbanken und Savings banks and the Volksbanken
Raiffeisenbanken sind in Baden- and Raiffeisenbanken (cooperative
Württemberg die Hauptfinanzierer des banks) are the main providers of
Mittelstands mit einem Marktanteil finance to SMEs in Baden-Württemberg
von rund 80 Prozent. Sie garantieren with a market share of around 80 %.
die Kreditversorgung der kleinen und They guarantee the supply of loans to
mittleren Unternehmen. In der Finanz- small and medium-sized companies.
markt- und Staatsschuldenkrise konnte During the financial market and sover-
Baden-Württemberg den tiefsten Wirt- eign debt crisis Baden-Württemberg
schaftseinbruch der Nachkriegszeit was able to overcome the deepest
schnell überwinden – dank der aus- economic downturn of the postwar
reichenden, bankbasierten Kreditfinan- period quickly thanks to sufficient
zierung kleiner und mittlerer Unternehmen bank-based loan financing of small
und ihrer Wettbewerbsstärke. Damit das and medium-sized companies and their
mittelständische Erfolgsmodell in Baden- competitive strength. If the successful
Württemberg auch zukünftig seinen Bei- SME model in Baden-Württemberg is
trag für ein auf Vielfalt aufbauendes sta- to continue to make its contribution
biles und starkes Europa leisten kann, to a stable and strong Europe built on
müssen die Rahmenbedingungen und diversity in the future, the conditions
die Regulierung in Europa auch den mit- and regulations in Europe must also
1
1
20_0918_Auszug_GB2019_ENG.indd 1 03.06.20 10:56
18_0108_Positionspapier_2018_D_GB.indd 1 22.01.18 15:49
10_0416_Umschlag.qxd 08.06.2010 12:19 Uhr Seite 1
Sparkassen-Ticker April 2019
125 Jahre Sparkassenverband Baden-Württemberg
Sparkassen -Ticker Einheit. Stärke. Zukunft.
Newsletter des Sparkassenverbands Baden-Württemberg Nr. 20 · April 2019
125 Jahre
Sparkassenverband
Engagement der Sparkassen-Finanzgruppe
Baden-Württemberg
Heilbronn blüht auf : Die Bundesgartenschau startet
Einheit. Stärke. Zukunft.
1885
Das einstige Fruchtschuppen-Areal zwischen Alt-Neckar und Neckarkanal hat sich in ein blühendes Garten- und Stadtquartier verwandelt.
Foto : BUGA Heilbronn 2019 GmbH 1894
Gartenkunst, Erlebnisfläche und urbane Architektur –
die Bundesgartenschau in Heilbronn überrascht ab
In dieser Ausgabe
2001
2010
dem 19. April mit einem bunten Strauß an Ideen. Das
einstige Fruchtschuppen-Areal zwischen Alt-Neckar
und Neckarkanal hat sich seit dem ersten Spatenstich B Seite 6 und 7
2013 von Grund auf verändert. Wo sich bis vor weni- Jahresbilanz 2018 der Sparkassen
gen Jahren noch Brachland erstreckte, ist nun ein 40
B Seite 14 und 15
Hektar großes, blühendes Garten- und Stadtquartier
Positive Resonanz :
entstanden. Hunderte von Bäumen wurden gepflanzt,
Liederbuch der Sparkassen-Finanzgruppe
zwei Seen angelegt, ein großer Wall aufgeschüttet und
ein ganzes Stadtviertel mit 22 Gebäuden errichtet. B Seite 23
Aufruf zur Europawahl
„Mit der Bundesgartenschau wird eines der bedeut-
samsten Zukunftsprojekte der letzten Jahrzehnte im B Seiten 32 – 34
Raum Heilbronn Wirklichkeit,“ betont der Vorsitzende Neue Köpfe und Aufgaben
19_0176_SparkassenTicker_1_2019.indd 1 21.03.19 13:56
Zielvereinbarung Die neue
zu barrierefreien Dienstleistungen Sparkassenakademie
zwischen dem Sparkassenverband Baden-Württemberg und den
in Stuttgart
Organisationen und Selbsthilfegruppen behinderter Menschen
in Baden-Württemberg
Die neue Sparkassenakademie in Stuttgart
Wir freuen uns auf Sie.
Sparkassen-Finanzgruppe
Baden-Württemberg
53 Sparkassen
• Landesbank Baden-Württemberg
L A G HILFE. V .
•
LBS Baden-Württemberg
LBW üST SV SparkassenVersicherung
e
berg
SE r tt e m
Baden- DekaBank
Deutsche Leasing
Landesverband für
Menschen mit Körper-
und Mehrfachbehinderung www.sv-bw.de
Baden-Württemberg e.V.
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Neuauflage
Sparkassen-Kompass 2020
Baden-Württemberg Vorgestellt:
Sparkassen-Kompass Baden-Württemberg 2020 / 2021
Sparkassen-Finanzgruppe
Baden-Württemberg
2020 / 2021
Die Sparkassen-Finanzgruppe
51 Sparkassen
Landesbank Baden-Württemberg Baden-Württemberg
LBS Südwest
SV SparkassenVersicherung
DekaBank
Deutsche Leasing
www.sv-bw.de
Starker Finanzpartner :
Kredite in Höhe von
139 Milliarden Euro
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Finanzdienstleistung vor Ort :
2.000 Filialen in
Baden-WürttembergImprint
Publisher: For the Savings Banks Finance Group of
Baden-Wuerttemberg, sustainability is an
Sparkassenverband Baden-Wuerttemberg
important benchmark for its actions.
Am Hauptbahnhof 2 We therefore pay attention to the use of
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materials. The presentation brochure is
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