Sparkasse KölnBonn

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Logo of the savings banks  Sparkasse KölnBonn
Head office of Sparkasse KölnBonn, Hahnenstrasse 57, Cologne
Country GermanyGermany Germany
Seat Hahnenstrasse 57
50667 Cologne
legal form Institute of public right
Bank code 370 501 98
BIC COLS DE33 XXX
founding 1826 ( Sparkasse zu Cologne )
Association Rhenish Savings Banks and Giro Association
Website www.sparkasse-koelnbonn.de
Business data 2019
Total assets 27.304 billion euros
insoles 21.214 billion euros
Customer credit 19.304 billion euros
Employee 3,787
Offices 136
management
Board of Directors Martin Börschel (Chairman)
Board Chairman Ulrich Voigt
Uwe Borges, Andreas Dartsch, Volker Schramm, Rainer Virnich
List of savings banks in Germany

The Sparkasse KölnBonn is a public-law savings bank based in Cologne . It is the largest municipal savings bank in Germany and the third largest after the Hamburger Sparkasse and the Berliner Sparkasse . The business area basically focuses on the cities of Cologne and Bonn .

history

The history of the originally independent Cologne and Bonn savings banks is presented separately.

Sparkasse of the City of Cologne

The Stadtsparkasse Köln emerged from the pawnshop of the poor administration of the Cologne Minorite Monastery . On January 1, 1826, it was separated from the poor administration as the “Sparkasse zu Köln” and became an independent institution. At the end of the first financial year there were 87 savers with 4,800 marks in deposits. At that time it was a "moral institute", an institution of preventive social and poor policy of the urban poor administration and was supposed to protect the "little people" from usury , encourage them to save and promote the will to self-help and provision. Together with the poor administration, the Sparkasse moved into the building at An der Rechtschule 1 in 1831. The expansion of the lending business began in 1845, the Sparkasse became a credit institution dedicated to the middle class. In 1846 she moved into the new building for the poor administration at Cäcilienstraße 1a. It was not until October 17, 1859, that the Cologne City Council decided to separate the pawnshop and the savings bank. In 1888 the institute moved to new work rooms in the Spanish building of the town hall with modern safe and electrical security systems. In January 1891 the legal separation from the poor administration took place, the Stadtsparkasse became an independent institution with the city of Cologne as sole guarantor . Since April 1, 1892, it has been running the first branches in Deutz , Ehrenfeld and Nippes in connection with municipal paying and tax offices . The Stadtsparkasse has been authorized to accept ward money since November 21, 1899 . On March 30, 1907, during the economic crisis, the Stadtsparkasse introduced cashless payment transactions; since April 20, 1907, it has been using the Reichsbank current account of the Stadtkasse Köln. In the city of Cologne, the salary transfer from the Sparkasse was introduced on October 1, 1908. On April 1, 1910, the city of Kalk was incorporated into Cologne. The Sparkasse Kalk was therefore taken over and continued as a branch of the Cologne Institute.

From February 1911, the Stadtsparkasse Köln took over the function of the Girozentrale for the Rhine Province, which was transferred to the Landesbank of the Rhine Province in June 1914 . On February 3, 1911, she introduced the check and giro business, including the overdraft facility . This corresponded in a special way to the needs of medium-sized businesses and the liberal professions; At the end of 1911 there were already 674 accounts with 1.4 million marks deposits. On April 3, 1913, the main office in the new townhouse building on the Große Sandkaul was inaugurated. The savings bank was structurally separated from the city administration and received its own entrance. In 1913, the Stadtsparkasse Köln was the third largest savings bank after Berlin and Hamburg. Because of the incorporation of the city of Mülheim am Rhein , the Sparkasse Mülheim was taken over on June 18, 1914. On July 15, 1923, the Stadtsparkasse was admitted to the Cologne Stock Exchange - the first listing of a German savings bank - and on November 15, 1923 the Rentenmark was issued for the first time . Between 1935 and 1940, the Stadtsparkasse took over a total of 15 residential or commercial buildings from Jewish ownership, which it - with one exception - acquired exclusively in foreclosure proceedings. At the end of the Second World War, on March 2, 1945, the main office of the Stadtsparkasse on the Große Sandkaul and Malzbüchel was completely destroyed; on April 4, 1945, it was set up in the district office at St. Apernstrasse 21. From June 15, 1945, the military government allowed deposits and withdrawals of up to 100 Reichsmarks, but no more than 500 Reichsmarks per account and month. In 1947, the Stadtsparkasse moved from the premises of the district administration to the rented high gate house at Hohe Pforte  9-11. After laying the foundation stone on March 6, 1952 for the new headquarters building at Habsburgerring 2-12, the building planned by Theodor Kelter was opened on November 25, 1953 . In 1955, travelers checks were introduced, and “school savings” began with vouchers for small prizes. On September 30, 1957, the Stadtsparkasse opened the first car counter in Germany , and in 1959 it put the first mobile branch in North Rhine-Westphalia into service with the "Branch 55" and thus had a total of 52 branches. The first ATM for withdrawals up to 500 DM was installed at the main office in 1969. Since June 1971 there had been a million savings bank books in circulation. Due to the regional reform of January 1975, the Stadtsparkasse received 26 branches from the Kreissparkasse Köln ; the underlying " Cologne Law " resulted in the dissolution of the former districts of Cologne and Bergheim, which were absorbed into the Erftkreis. The transfer of the branches, which are now outside the Kreissparkasse's guarantor area, was ordered by the Sparkasse supervisory authority on June 30, 1983. When the main office was rebuilt by the architects Hentrich, Petschnigg & Partner in the neighboring Hahnenstraße 57 , a rotunda has formed the central and representative entrance and distribution hall since 1992 ; in front of it, a forecourt that is lowered from street level extends to Hahnenstraße.

Sparkasse Bonn

On October 14, 1844, the Städtische Sparkasse zu Bonn was set up in Bonn together with the municipal pawnshop in today's Old Town Hall . On November 25, 1895, the Kreissparkasse Bonn was opened. After the business premises of the Städtische Sparkasse had become too small, it moved to a new building on Friedrichsplatz, today's Friedensplatz, in August 1913. In 1928 it opened its first branches in Kessenich , Endenich and Poppelsdorf .

After the First World War, the city of Bad Godesberg decided to found its own savings bank. The Stadtsparkasse Bad Godesberg began its business activities on March 1st, 1920 in a former villa on Rheinallee 1. In 1923, the Kreissparkasse Bonn was given larger premises in a new building on Bonn's Hansaeck.

With effect from January 1, 1971, the Städtische Sparkasse Bonn , the Kreissparkasse Bonn and the Stadtsparkasse Bad Godesberg merged to form the Sparkasse Bonn as part of the municipal reform . In 1982 the first two ATMs were installed in Bonn; In 1985 the first personal computers were used at the Sparkasse Bonn.

Sparkasse KölnBonn

New building of the Sparkasse in Bonn, Friedensplatz (2014)

Sparkasse KölnBonn was created on January 1st, 2005 through the merger of Stadtsparkasse Köln with Sparkasse Bonn. The legal merger was technically completed on June 5, 2006 with the merging of customer and product data from the two predecessor institutes. Since then, the Sparkasse KölnBonn has uniformly had the bank code 370 501 98 - the bank code 380 500 00 "Sparkasse Bonn -alt-" (BIC: COLSDE33BON) only exists for existing Bonn customers.

In February 2009, Sparkasse KölnBonn decided to completely rebuild its administration building with an office in Bonn, in place of the previous Bonn branch. The old building was cleared from March 2010 and demolition began in August 2010. From February 2012 to the beginning of 2014 a new building was built that is not only used by the Sparkasse. The first department of the Sparkasse to move into the new Friedensplatz was the ImmobilienCenter.

In May 2019, Sparkasse KölnBonn received the last place for its social and ecological performance in the sustainability rating of the FairFinanceGuide.

Legal bases

Legal basis

As a credit institution , Sparkasse KölnBonn is subject to the German Banking Act (KWG); as a savings bank, it also has to comply with the provisions of the Sparkasse Act North Rhine-Westphalia (SpkG NRW). The statutes of the association and the savings bank statutes are also authoritative . Sparkasse KölnBonn has a full banking license from the Federal Financial Supervisory Authority (BaFin) under the number 100872 and is therefore allowed to conduct all banking transactions with all customer groups. While the aforementioned regulations regulate the business activities of the savings banks in general, the legal relationship between the savings banks and their customers is regulated by the general terms and conditions of the credit institutions , specifically in the case of Sparkasse KölnBonn by their terms and conditions.

organs

The bodies of Sparkasse KölnBonn are:

  • Administrative board : according to § 4 of the statutes, the administrative board consists of the chairman and a further 17 members. According to § 15 SpkG NRW, it determines the guidelines of the business policy, appoints and dismisses members of the board, adopts the annual financial statements and performs other tasks.
  • Board of Directors : According to Section 5 of the Articles of Association, it consists of five members and two deputy members. The board of directors of Sparkasse KölnBonn manages the Sparkasse on its own responsibility and represents the Sparkasse in and out of court (Section 20 SpkG NRW).

Business area and regional principle

Service center in Cologne, Adolf-Grimme-Allee 4

According to Section 7 of the Articles of Association, the business area of ​​Sparkasse KölnBonn basically comprises the area of ​​the special purpose association. It includes the urban areas of Cologne and Bonn as well

Deposit insurance

With the abolition of guarantor liability as a result of the Brussels Concordance of July 2001, the creditors of all German savings banks were no longer subject to the subsidiary and unlimited liability of the respective municipal institutions. Like all savings banks and Landesbanken , Sparkasse KölnBonn is now subject to a deposit protection fund within the S-Finanzgruppe , which, like comparable security institutions in the private banking industry or the cooperative sector, assumes the function of protecting credit institutions that have got into a financial crisis from insolvency in the event of support . The S-Finanzgruppe ensures that the deposits of all customers, including commercial ones, are 100% safe with Sparkasse KölnBonn without any limit on the amount.

carrier

Sparkasse KölnBonn is an institution under public law . Carrier Sparkasse KölnBonn is with effect from 1 January 2005 that have been made Zweckverbandssparkasse Cologne Bonn , a public service contract between the City of Cologne and Bonn of 28 June 2004, where the cities of Cologne with 70% and Bonn with 30 % involved.

Business direction and economic development

The Sparkasse KölnBonn operates the universal banking business as a savings bank . Sparkasse KölnBonn is the market leader in Cologne and Bonn in the traditional savings bank segments of savings business, giro business and lending business . In the network business, the Sparkasse KölnBonn works together with the Landesbausparkasse NRW , the Landesbank Hessen-Thüringen and the insurance company Provinzial Rheinland . With its new HeilberufeCentern , where doctors and pharmacists are given special advice , the institute focuses on proximity and regionality . As a regional specialty, Sparkasse KölnBonn also offers its customers online banking “op Kölsch und Bönnsch”. The GKS - Global Account Service mbH in Cologne was founded in 2003 by the city of Cologne Savings Bank (now Sparkasse Köln Bonn) and is a member of SKB Kapitalbeteiligungsgesellschaft KölnBonn mbH . Services are offered in the form of a competence center for the entire range of back office activities in the area of ​​passive / services (“all about the account”).

Your goal under the former chairman of the board, Gustav Adolf Schröder , to be active in investment banking in particular in the media industry established in Cologne , has proven to be particularly risky. A lack of expertise, a commitment that is unusual for a savings bank, and insufficient controls resulted in considerable losses. In addition to loans and support for business start-ups, Sparkasse KölnBonn provided a special loan program for the media and telecommunications industry and, together with the subsidiary TechnoMedia Köln TMK venture capital, founded in 1995 . Mediabiz wrote in June 1998: “The Stadtsparkasse Köln has become one of the top addresses in terms of film financing with risk capital.” In 2000, Stadtsparkasse Köln was in second place with a financing volume of around DM 1 billion for TV and film the Hypovereinsbank .

  • TechnoMedia participated, among other things, in the financing of the film The 13th Floor (Germany premiere: November 25, 1999) through Centropolis Entertainment (the production company of director Roland Emmerich ).
  • The Sparkasse had been involved in the special- interest broadcaster VOX since January 1993 through the Westdeutsche Medienbeteiligungsgesellschaft . When it was founded, VOX was owned by Bertelsmann (via UFA ; 24.9%), Süddeutscher Verlag (20%), Westdeutsche Medienbeteiligungsgesellschaft ( WestLB , Stadtsparkasse Köln, Kreissparkasse Köln and Stadtwerke Köln ; 25.1%), Holzbrinck-Verlag (14.5%) ), dctp (11.5%) and medium-sized corporate capital investment company (MUK Cologne; 4%). The start-up losses to be borne by the shareholders amounted to almost 390 million DM in the first financial year of 1994.
  • Coloneum : In September 1997 the city of Cologne sold the property for 17.6 million marks via the interim buyer Stadtsparkasse Köln to the real estate fund “Ossendorf I”. Stadtsparkasse financed the fund's shareholders to acquire the fund's shares with loans of around 700 million euros. In addition, the Sparkasse with 25.42% (through the subsidiary SKB Kapitalbeteiligungsgesellschaft KölnBonn mbH) is one of the founding shareholders of the operating company Magic Media Company (MMC). The shareholders took over proportional rental guarantees in favor of the Oppenheim-Esch-Fonds . The Sparkasse initially released RTL from its obligations under the rental guarantee from November 2000 . For this, the broadcaster paid 7.4 million DM and undertook to rent MMC studio capacities of 68.8 million DM for 10 years. In 2005, ProSiebenSat.1 bought itself free from the rental guarantee with a one-off payment of 7 million euros . The two MMC founders, the Breuer brothers, also withdrew. Initially, a company called Lana Beteiligungsgesellschaft mbH, closely related to Stadtsparkasse Köln, took over the Breuer brothers' stake and paid the obligations from the rental guarantee to the Oppenheim-Esch Fund. In December 2001, Lana received a loan of DM 11 million from the Sparkasse, which later had to be written off. In a letter dated August 4, 2005, the Sparkasse finally released the two MMC founders "via Lana Beteiligungsgesellschaft mbH" from "all obligations that you entered into in connection with your earlier investment in MMC". Overall, the Sparkasse exempted the other MMC shareholders between 1998 and 2007 from guarantee risks amounting to 60 million euros.
  • In July 2000, the Sparkasse took part in the IPO of VIVA Germany under the leadership of Merrill Lynch and Commerzbank (consorts: Stadtsparkasse Köln and the bank Sal. Oppenheim ) and thus engaged in investment banking - atypical of the Sparkasse .
  • New construction of the north halls of Koelnmesse : The city of Cologne and Koelnmesse sold a plot of land to the Oppenheim-Esch-Fonds in December 2003 for the price of 70 million euros in order to have new exhibition halls built on it. Four exhibition halls were built (construction costs 260 million euros). A contract dated December 7, 2004 between Josef Esch Fonds Projekt GmbH (JEFP) and SK-Kapitalbeteiligungs GmbH (SBK) - a subsidiary of SSK - secured the latter a fee of 9.9 million euros in the event that the fund ended Train come. On December 18, 2003 the city of Cologne decided on a solution in which Oppenheim-Esch came into play. The investors' fund company received secure long-term rent payments because the city of Cologne officially acted as the tenant and sublet it to Koelnmesse.
  • The Gut Lärchenhof Golf Club has been a 100 percent participation of the Sparkasse since 2002 (40 million DM). The unprofitable commitment has brought the Sparkasse a total of 10.5 million euros in loss since 1997 and was sold in September 2009.
  • Rheinhallen : In September 2005, extensive renovation and new construction work began to design the building according to the ideas of the main tenant, RTL Group . The same structure with the Oppenheim-Esch-Fonds, construction delays, increased construction costs, excessive rental guarantees and the settlement via the Sparkasse's own landlord RheinEstate brought the Sparkasse a loss of at least 277 million euros from the Rheinhallen commitment by 2010.

There was also criticism of consultancy contracts for local CDU politicians . In June 2013 the Cologne public prosecutor brought charges against the politician and former chairman of the board of directors Rolf Bietmann and Gustav Adolf Schröder for breach of trust or aiding and abetting embezzlement in particularly serious cases. In June 2014, the Sparkasse decided, with the approval of the Board of Directors, to reach a settlement with its former CEO Gustav Adolf Schröder. Mr Schröder will make an appropriate financial contribution to the Sparkasse KölnBonn in order to establish legal peace without recognizing any legal obligation.

Since the equity of the Sparkasse had sunk significantly, the institute had to be provided with profit participation capital of 300 million euros from the Rheinische Sparkassen- und Giroverband and 350 million euros as a silent contribution from the cities of Cologne and Bonn. The silent participation should bear an interest rate of 7.25% above the 12 month Euribor . However, since the Sparkasse reported a loss of almost 200 million euros for the 2008 financial year, no interest payment was made, the silent participation participated in the loss and was reduced. In 2010, the cities made a further silent contribution of € 144.9 million, which was supposed to earn interest at 8% per year. It was not until the end of the 2012 financial year that the losses on the silent partnership contributions were made up again.

Banking data

With the presentation of the 2013 business results, the Sparkasse reported an interest payment at nominal value on the silent contribution for the first time, after only 0.7 million interest had been paid to the silent partners in the previous year. According to the terms and conditions of the deposits, the unpaid interest for the years 2009 to 2012 was not made up. Sparkasse KölnBonn reported total assets of 27.304 billion euros in the 2019 financial year and customer deposits of 21.214 billion euros. According to the 2019 Sparkasse Ranking List, it ranks second in terms of total assets. It has 136 branches / self-service locations and employs 3,787 people. This makes it the largest municipal savings bank in Germany and has always seen itself as a savings bank oriented towards medium-sized companies. This is also reflected in the credit volume, of which 62% is attributable to corporate customers and 32% to private customers (2013). The gross interest margin was 3.4% in 2013 and the net interest margin was 1.6%. For the individual institute, the total regulatory capital ratio is 13.69% with a core capital ratio of 9.35% (2013).

Social Commitment

Sparkasse KölnBonn supports cultural, social and societal purposes in the Cologne and Bonn region.

Own foundations

The bank has set up nine foundations of its own:

  • SK Foundation for Culture of Sparkasse KölnBonn
  • Ludwig van Beethoven Foundation of the Sparkasse KölnBonn
  • Stiftung Kunst: Promotion of cultural activities, such as the museum forum in the Kunstmuseum Bonn or special exhibitions (for example Natura Artis Magistra. Modern art meets natural history , an art exhibition by the artist group Tripolar (Ines Braun, Anja Schindler and Iris Stephan) 2010/2011) in the Bonn Museum King .
  • Wisen Foundation of the Sparkasse KölnBonn
  • SK Foundation for Youth and Media of Sparkasse KölnBonn
  • August Macke Foundation House of Sparkasse KölnBonn
  • International meeting of the Sparkasse KölnBonn Foundation
  • Youth Welfare Foundation of Sparkasse KölnBonn
  • Sport Foundation of Sparkasse KölnBonn

Supported community foundations

In addition, the Stadtsparkasse KölnBonn supports the community foundations in their business area.

literature

Movie

  • Advising and selling - How politicians and investors cashed in at Sparkasse KölnBonn. Documentation, Germany, 2009, 45 min., Script and direction: Ingolf Gritschneder and Georg Wellmann, production: WDR , first broadcast: March 9, 2009, by WDR (Note: no longer available on WDR.de, but on www.dokus4. me )

Web links

Individual evidence

  1. a b Master data of the credit institute at the Deutsche Bundesbank
  2. Sparkasse Ranking List 2019 (PDF; 199 kB, 9 pages) In: Finanzgruppe Deutscher Sparkassen- und Giroverband. DSGV.de, May 4, 2020, accessed on May 4, 2020 .
  3. Eberhard Gothein / Georg Neuhaus, The City of Cologne in the First Century under Prussian Rule 1815-1915 , 1915, p. 513
  4. ^ A b Arno Mersmann / Bodo Hombach, Reformführer NRW: social movements, social reform and their buildings , 1991, p. 200.
  5. Hans Pohl: Die Rheinischen Sparkassen , 2001, p. 78.
  6. Hans Pohl: Die Rheinischen Sparkassen , 2001, p. 96.
  7. ^ Friedrich Knapp-Verlag, Contributions to banking history , Volumes 11-13, 1974, p. 496.
  8. Zentralblatt der Bauverwaltung, Das neue Stadthaus in Cologne , No. 92 of November 19, 1913, p. 621 ff.
  9. Britta Bopf, Aryanization in Cologne: The Existential Destruction of the Jews 1933-1945 , 2004, p. 376.
  10. Chronik-Verlag, Chronik Köln , 1997, p. 46.
  11. ^ Journal for the entire credit system, Volume 13, Sparkasse der Stadt Köln , 1960, p. 238
  12. ↑ Concise dictionary for banking and savings banks , Gabler Bank-Lexikon, 1983, Sp. 2219.
  13. General-Anzeiger of December 23, 2013
  14. Start | Fair Finance Guide Germany. Retrieved November 7, 2019 .
  15. recht.nrw.de, Savings Bank Act
  16. BAFin, List of Authorized Credit Institutions from December 15, 2014 ( Memento of the original from December 24, 2015 in the Internet Archive ) Info: The archive link has been inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.bafin.de
  17. General Terms and Conditions of Sparkasse KölnBonn, as of March 2014 ( Memento of the original from April 2, 2015 in the Internet Archive ) Info: The archive link has been inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.sparkasse-koelnbonn.de
  18. "mediabiz" of June 10, 1998, media commitment of the Stadtsparkasse Köln
  19. Klaus Janowitz, Kulturwirtschaftsbericht Köln : Medienwirtschaft, 2000, p. 48
  20. Kölner Stadt-Anzeiger of October 28, 1997 "On to the world market"
  21. Die Zeit No. 12 of March 18, 1994, "Television without Esprit"
  22. ^ Only signed by the Sparkasse board member Gustav Adolf Schröder, contrary to regulations
  23. DER SPIEGEL 45/2007 of November 5, 2007, Schröders Alleingang , p. 110 ff.
  24. Stadtrevue issue 2/2010, The long shadow of the fair ( Memento of the original from April 2, 2015 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.stadtrevue.de
  25. Zeit.Online of 11 May 2012 , the Cologne game is over
  26. ^ Andreas Damm: Sparkasse Köln: Indictment against Bietmann and Schröder. In: Kölner Stadt-Anzeiger. June 10, 2013, accessed May 27, 2016 .
  27. Press release from Sparkasse KölnBonn
  28. Market & Opinions - Finances of November 4, 2009, EU Commission initiates investigation against Sparkasse KölnBonn ( Memento of the original from April 9, 2014 in the Internet Archive ) Info: The archive link was automatically inserted and not yet checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.fmm-magazin.de
  29. Sparkasse Ranking List 2019 (PDF; 199 kB, 9 pages) In: Finanzgruppe Deutscher Sparkassen- und Giroverband. DSGV.de, May 4, 2020, accessed on May 4, 2020 .
  30. Homepage Sparkasse KölnBonn. Retrieved July 14, 2020 .
  31. Culture Foundation of Sparkasse KölnBonn: www.sk-stiftung-kultur.de. September 4, 2014, accessed July 14, 2020 .
  32. Ludwig van Beethoven Foundation of the Sparkasse in Bonn. Retrieved July 14, 2020 .
  33. ^ Stiftung Kunst der Sparkasse in Bonn. Retrieved July 14, 2020 .
  34. Announcement of the exhibition on the museum koenig website ( memento of the original from January 7, 2014 in the Internet Archive ) Info: The archive link has been inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.museumkoenig.de
  35. Home. Retrieved on July 14, 2020 (German).
  36. sk stiftung youth and media. Retrieved on July 14, 2020 (German).
  37. ^ Foundation August Macke House of the Sparkasse in Bonn. Retrieved July 14, 2020 .
  38. ^ Foundation for international meeting of the Sparkasse in Bonn. Retrieved July 14, 2020 .
  39. Youth Welfare Foundation of the Sparkasse in Bonn. Retrieved July 14, 2020 .
  40. ^ Sports Foundation of the Sparkasse in Bonn. Retrieved July 14, 2020 .
  41. Homepage Stadtsparkasse KölnBonn, chapter community foundations. Retrieved July 14, 2020 .

Coordinates: 50 ° 56 ′ 5.9 ″  N , 6 ° 56 ′ 26.6 ″  E