Kärntner Sparkasse
 Kärntner Sparkasse AG
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| Country |
 Austria
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| Seat | Neuer Platz 14, 9020 Klagenfurt |
| legal form | Corporation |
| Bank code | 20706 |
| BIC | KSPKAT2KXXX |
| founding | February 12, 1835 |
| Association | Austrian Savings Bank Association |
| Website | www.kspk.at |
| Business data 2019 | |
| Total assets | 5.5 billion euros |
| Employee | over 800 |
| Offices | 59 |
| management | |
| Board | Gabriele Semmelrock-Werzer, Mag. Siegfried Huber |
| List of savings banks in Austria | |
The Carinthian Sparkasse AG is a banking company based in Klagenfurt . The Kärntner Sparkasse was founded in 1835 in the Carinthian state capital. Since the 1990s, the company has expanded its business activities beyond national borders into the expanded home market of Slovenia. The Kärntner Sparkasse group operates a total of 59 branches, 49 of them in Carinthia and 10 in Slovenia. The Italian customers of the Kärntner Sparkasse can use the branch in Villach Moritschstraße as a consulting location.
The Kärntner Sparkasse is a stock corporation whose shares are 75% (minus one share) owned by the private foundation Kärntner Sparkasse. The remaining 25% + one share is held by Erste Bank , the lead institution of the Austrian savings bank group .
history
The non-profit Sparkassenverein was founded as the 7th in Austria in 1835 in Klagenfurt. The "Kärntnerische Sparkasse", as the institute was called, saw its business activities essentially as a contribution to raising public welfare. On the one hand, low-income recipients should be given the opportunity to make provisions for times of need or old age, and on the other hand, the intention was to provide mortgage loans to finance fire-proof house roofs.
The rapid economic success of the first few years shows that this business model actually met the needs of large sections of the population. Until 1868, the Kärntner Sparkasse remained the only financial institution in the country that offered small savers the opportunity to accumulate savings. In addition, with the establishment of the old age savings bank in 1894, the offer was expanded: the savings bank contributed an interest subsidy to improve the “nest egg”.
In 1844, the charitable status of the savings banks in Austria was legally established and regulated in the “Sparcassenregulativ”. Although the founding statutes already provided for the distribution of funds for charitable purposes, the Kärntner Sparkasse joined the new statute.
A legal change that took place in 1848 made it possible to expand the business activities to other customer groups such as farmers and traders and contributed significantly to the growth of the institute. The generated surpluses made essential contributions to the development of scientific, cultural and social life in the province of Carinthia. Among other things, the financial means for the establishment of the Carinthian State Museum, the concert hall and numerous other social and educational institutions were provided by the Kärntner Sparkasse.
Shortly before the end of the Second World War, the savings bank building on Bahnhofstrasse was destroyed by a bomb. The safes and accounting documents were partly dug up from the basement by the few remaining employees with their bare hands and the Sparkasse's headquarters were relocated to the Klagenfurt building at Neuer Platz 14, which was purchased in 1928, in order to ensure "emergency supplies". In the short term, consideration was even given to liquidating the savings bank. The young Sparkasse director Gustav Gfrerer, together with the few employees, ensured a fresh start.
In 1947 the name was changed to the company name "Kärntner Sparkasse". With the takeover of the first branch in Spittal an der Drau in 1930, the Sparkasse had started to expand beyond Klagenfurt. In the 1950s, the company expanded to the entire Carinthian region: mergers with smaller municipal savings banks and the establishment of numerous new branches took place.
The Kärntner Sparkasse not only played a role as a driving force behind modern developments by promoting technical and social innovations - in-house setting a good example in many areas. In 1927, Kärntner Sparkasse was one of the first banking institutes in Austria to convert its entire savings business to booking machines. Even in the age of electronic data processing, the Kärntner Sparkasse proved to be a pioneer: in 1969, the house was the first financial institute in Carinthia to open its own data center.
New approaches were also taken in customer care: for the introduction of a product range especially for young people in 1983, the Kärntner Sparkasse was recognized by the Carinthian provincial government as a “particularly youth-friendly company”. Modern support tools such as the electronic financial check and successful training processes such as the N3 were developed in-house.
Modernizations and adjustments to legal and social framework conditions were carried out right through to the further development of the structure - in 1990 the savings bank association and operational banking business were separated, which were brought into an AG. On January 11, 1999, the Kärntner Sparkasse association founded the world's first private savings bank foundation. She took on the tasks of managing share ownership and promoting projects aimed at the common good.
Private foundation Kärntner Sparkasse
The private foundation Kärntner Sparkasse was founded on January 11, 1999 in Klagenfurt. The business activity of the foundation consists in the administration of the participation in the Kärntner Sparkasse Aktiengesellschaft. It currently holds around 75% of the share capital of Kärntner Sparkasse AG.
The purpose of the private foundation Kärntner Sparkasse is the subsidiary and subsisting promotion of the development of the talents and abilities of the people in Carinthia and in the economic area of activity of the Kärntner Sparkasse AG.
A distinction is made between the following funding areas:
- Area 1: Youth Promotion
- Area 2: Culture and Social
- Area 3: Science and Research
- Area 4: Innovation and Economy
- Area 5: Free allocation by the board
The beneficiaries of the private foundation Kärntner Sparkasse are organizations and institutions whose area of responsibility is exclusively the pursuit of charitable, charitable or church purposes.
The Kärntner Sparkasse Foundation supports numerous projects in the province of Carinthia every year. One focus of the funding activities is the area of youth support. Both sporting activities in the youth sector and well-known school competitions such as innovation @ school are promoted here. In the area of culture and social affairs, there are collaborations with the Komödienspiele Porcia , the Carinthian Summer and associations such as the Carinthian Music Association , the Carinthian Social Welfare Association , the Josefinum school home, Caritas Carinthia and many others. In the field of science and research, the private foundation Kärntner Sparkasse is one of the largest private sponsors of the Alpe Adria University of Klagenfurt and the Carinthia University of Applied Sciences . In the area of innovation and economy, another project in Carinthia, the Makerspace Carinthia, is supported by the Kärntner Sparkasse.
Spark 7 - The youth community in the Kärntner Sparkasse
spark7 is the youth community of the savings banks. Spark7 services are accessible to all young people in Carinthia via a special internet platform and in the branches of the Kärntner Sparkasse. Current information as well as advantages and discounts for customers are communicated via the spark7 platform.
Web links
Individual evidence
- ↑ a b query for bank code 20706. In: SEPA payments directory of the Oesterreichische Nationalbank (OeNB) . (Requires browser reloading.)
- ↑ About us. Retrieved May 4, 2020 .
Coordinates: 46 ° 37 '24.7 " N , 14 ° 18'25.8" E