Sparkasse Rhein-Maas
 Sparkasse Rhein-Maas
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|---|---|
| Country |
 Germany
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| Seat | Kleve |
| legal form | Public institution |
| Bank code | 324 500 00 |
| BIC | WELA DED1 KLE |
| founding | 1825 |
| Association | Rhenish Savings Banks and Giro Association |
| Website | www.sparkasse-rhein-maas.de |
| Business data 2019 | |
| Total assets | 2.283 billion euros |
| insoles | 1.735 billion euros |
| Customer credit | 1.618 billion euros |
| Employee | 478 |
| Offices | 21st |
| management | |
| Board of Directors | Wolfgang Spreen , chairman |
| Board | Michael Wolters, chairman; Wilfried Röth; Peter Reichhold (deputy member) |
| List of savings banks in Germany | |
The Sparkasse Rhein-Maas is a public-sector bank in the legal form of a public institution . The Sparkasse is based in Kleve in the Düsseldorf administrative region .
History of the Sparkasse Kleve
The beginnings of the Cleve City Savings Bank
On July 1, 1825 - based on the French model - a “savings bank for the city of Cleve” was founded together with a municipal pawnshop . The first business premises of the municipal savings bank were located in the town hall, which at that time was located on Große Straße (later: Burg-Theater). The city councilor Schlüter was appointed the first director. The beginnings were difficult because the establishment of a savings bank was something completely new for the Lower Rhine. After the savings banks in Elberfeld (1822), Koblenz and Düsseldorf (1825), the municipal “Sparcasse zu Cleve” was only the fourth savings bank to be established in the Rhineland. The Klever population met this "innovation" with caution. The "Sparcasse zu Cleve" grew steadily, and in 1865 the amount of customer deposits reached the limit of one million Thalers for the first time. After the Rendant Josef Arend, who had been in the service of the municipal savings bank for 31 years, retired in 1904, the business premises of the institute, which until then had been in the private apartment of the Rendanten, were moved back to the town hall back. This relocation of the business premises met with little approval from the population, since understandably they did not seek close proximity to the city administration for their financial transactions. The strong desire for their own savings bank building was met by purchasing house No. 18 in Kirchstrasse. On December 1, 1909, it was the first business day of the municipal savings bank in a separate building.
The beginnings of the Kreissparkasse Cleve
On September 15, the royal district councilor Devens announced the start of business operations for the “savings and loan fund for the Cleve district” on October 1, 1872. The community recipient Hermann Kamshoff was appointed as the first renter. He carried out his part-time job in his private apartment at Mühlenstrasse 8. In the early years up to 1885, the "business hours" of the new Kreissparkasse were limited to the mornings on working days.
In order to open up further customer groups, on February 1, 1873, additional branches were set up and secondary tenants were appointed in Wissel , Calcar , Uedem , Goch and in Cranenburg . In the first year after it was founded, the Kreissparkasse had five other collection points in addition to the main office in the district. The main office of the Kreissparkasse was always in the house of the respective client . At the end of the first financial year, savings deposits amounted to 52,792 marks and rose to 1,162,823 marks by 1890.
The two Klever savings banks during the First World War (1914–1918)
Immediately after the start of the war in 1914, the Klever Sparkassen saw increased withdrawals from savings deposits. Public calls were made to the Klever population to leave the savings with the savings banks. One need - so the Klever city council established - not be afraid of the deposited money, because nowhere the funds - even in times of war - are as safe as with the savings banks. These public appeals had an impact, so that a large part of the money withdrawn was paid back into the Klever Sparkassen.
Due to the good interest rate of 5% offered, a large part of the Kleve population subscribed to the so-called " German War Loan ". The Klever Sparkassen - as municipal institutes - had the main task of managing these securities. In Kleve around 45 million marks were invested in these bonds during this time.
During the First World War, the Kleve population also subscribed to war bonds with the savings banks. Since the savings banks had not yet been active in the securities deposit business, the Prussian Ministry of Finance granted them permission to hold and manage securities in March 1915.
During this time, the savings banks also advanced the cashless payment system. With the help of the "Sparkassengironetz" it was not only possible to transfer funds from account to account within an institute, but also within the entire Sparkasse organization.
The time of inflation (1918-1924)
As a result of the military defeat of the German Reich in 1918, inflation rose steadily . By subscribing to war bonds, proceeds of around 97 billion marks had been achieved. In 1918, however, the cost of the war was around 132 billion marks. A large part of the shortfall of 35 billion marks was made via the printing press, i.e. H. financed by printing new banknotes. The result was that at the end of 1920 the mark was only 6% of its value from the last year of peace. The rapidly progressing fall in prices stifled any saving thought in the population. It was no longer worthwhile to entrust the Klever savings banks with money that had already been devalued the next day as savings. At the Klever Sparkassen, the administrative costs rose, because the funds were only available for a short time, to such a high level that they could no longer be financed from ongoing operations. At the height of inflation in 1923, the business of the Klever Sparkassen practically came to a standstill. Since the Reichsdruckerei was no longer in a position, the municipalities in Germany issued so-called “ emergency money ”. The city and county of Cleve also issued emergency notes in 1923. On November 15, 1923, the Rentenmark was introduced. The conversion ratio was 1 Rentenmark = 1 trillion paper marks. The emergency money issued by the city and district of Cleve was collected at the savings banks, sorted and finally - under supervision - burned. With the introduction of the Reichsmark on October 30, 1924, old confidence in the German currency returned.
The expansion of the branch network of the Kreissparkasse Cleve
The basic principle of the Kreissparkasse Cleve had been until the 1920s that there was a main office and a further number of so-called acceptance points. In these acceptance points there was only one very limited business, which was primarily limited to accepting funds and arranging business at the main office in the city of Kleve. The good business development and the desire to remain competitive in the future prompted the management of the Kreissparkasse to convert the previous acceptance points in Calcar (Monrestraße 278) and in Kellen (Emmericher Straße 219) into main branches in February 1929 . From now on the customers had access to business premises which no longer only acted as intermediaries, but - with a few exceptions - were able to offer customers the entire range of savings banks. Another innovation: if the acceptance points were still operated on a part-time basis, the main branches now also have full-time managers. The main branch in Kranenburg followed in 1932 and the main branch in Uedem in 1939. Immediately before the start of the Second World War, the acceptance point in Grieth was given the status of a one-man point. H. It was also possible to record deposits and withdrawals directly in the savings bank book on site without the books - as before - having to be sent to the main office.
New main office for the Kreissparkasse
From 1917, the main office of the Kreissparkasse was located in the Hagsche Strasse No. 47 building. Since this building did not permit any spatial expansion, the management board decided early on to acquire the property at Hagsche Strasse 33. Here was a stately building that belonged to the Klever Gesellschaft "Verein". The building was converted into a spacious and functional cash register in 1924. The main office of the Sparkasse Kleve is located here today.
New building for the Stadtsparkasse
The Stadtsparkasse has had its domicile in the building at Kirchstrasse 18 since 1909. In order to meet the growing demands of business operations, the plans for a new building became more specific at the end of the 1920s. The property at Hagsche Strasse 28 was purchased, and the Klever architect Kannengießer designed a building with a cash desk that met the latest requirements and knowledge. It was completed in 1931. The modern building only stood for 13 years; the devastating air raid on the city of Kleve in October 1944 also reduced the business building of the Stadtsparkasse to rubble and ashes.
Kleve in ruins (October 7, 1944)
Until 1944, the business of the Klever Sparkassen could still be operated in the usual way, although many of the employees were called up for military service. In the devastating air raid on Kleve on October 7, 1944, 80% of the old ducal city was destroyed. The business buildings of the city and district savings banks on Hagschen Strasse were bombed. Accounts, files and documents were destroyed. Those responsible at the Klever Sparkassen were feverishly looking for alternative accommodation. The Stadtsparkasse started emergency operations in the "Milk School" on the dike in Kellen, and when the evacuation was ordered in February 1945, it relocated the business to Bad Driburg . The Kreissparkasse moved to Hönnepel and started restoring the account records there. On February 10, 1945, the instruction came that the Kreissparkasse should be relocated to Schermbeck . From there it went on to Salzwedel . In a school in the small town of Königstedt, the re-creation of the burned and destructive account records could be completed. During the summer of 1945 both the remaining employees of the Stadtsparkasse and the Kreissparkasse returned to the destroyed Kleve. After the end of the Second World War, the two Klever Sparkassen provided the local economy with part of the capital that was urgently needed for the reconstruction of the city, which was 80% destroyed.
The reconstruction of the city savings bank
In Kleve - after returning from Bad Driburg - no suitable space was available for the Stadtsparkasse. After a few weeks, a temporary office building was set up in the Boschenhoff house on the corner of Heldstrasse and Karlstrasse. A first important prerequisite for the new start of the Stadtsparkasse was created - however, this was only a temporary solution. On December 1, 1949, the Stadtsparkasse moved into the new main office at the old location, Hagsche Strasse 28 (corner of Böllenstege). Just in time for the 125th anniversary of the Sparkasse der Stadt Kleve, the 23 employees had modern facilities at their disposal.
The reconstruction of the Kreissparkasse
When the employees of the Kreissparkasse returned from Salzwedel, those responsible decided to temporarily move the main office to the Kellen main office on the corner of Emmericher Straße and Biesenkamp. It soon turned out that the space here was much too cramped. With the Jennen store (Herzogstrasse / Klosterstrasse), a larger building could soon be found in the inner city area. Gradually, business operations in the main offices of the Kreissparkasse were resumed. In 1950 the decision was made to build a new building on the site where the main office building had been until it was destroyed on October 4, 1944. In 1951 46 employees moved into the new building at Hagschen Strasse 33. Thus, after the successful reconstruction after the Second World War, the Kreissparkasse Kleve operated six branches in addition to the main office in Kalkar, Kellen, Kranenburg, Uedem, Grieth and Kessel .
The Klever savings banks in the 1950s and 1960s
The 1950s were marked by the so-called German " economic miracle ". The two Klever savings banks were able to continuously expand their business volume. This was accompanied by high investments in order to meet the spatial and technical requirements for the new challenges. The steadily increasing number of business transactions made the introduction of automated data processing with the help of punch cards necessary. In addition, with new booking machines it was possible to achieve instant automatic booking in savings transactions. In 1960 Stadtsparkasse Kleve recorded a balance of DM 15.9 million in savings deposits and DM 10.2 million in loans. The balance sheet total was DM 28.16 million. The Stadtsparkasse employed 55 people. In 1960 the Kreissparkasse Kleve had a balance sheet total of 65.6 million DM. 117 employees looked after 40.4 million DM savings deposits and 28.8 million DM loans.
The 1960s brought rapid changes in technical and economic progress. At the end of 1963 the Stadtsparkasse rented a shop at Kavariner Strasse 44; After extensive renovation work, the “Lower Town Branch” was opened here on April 15, 1964. In 1967 the new building “Hauptzweigstelle Oberstadt” of the Stadtsparkasse opened at Hoffmannallee 106-108. In February 1968 the third city office opened on the corner of Kalkarer Strasse and Kermisdahlstrasse.
On June 7, 1962, business began in the new office building of the main Kellen branch. A year later, the "mobile branch" was introduced, which looked after 14 locations in the business area of the Kreissparkasse Kleve twice a week. In addition to the stationary branches in Kleve, Kalkar, Kellen, Kranenburg, Uedem, Appeldorn, Grieth, Hau , Kessel, Materborn , Reichswalde and Cattle , the "mobile branch" has now also moved to Asperden , Donsbrüggen , Frasselt , Griethausen , Hasselt , Hassum , Hau , Keppeln , Nierswalde , Nütterden , Schneppenbaum , Till , Warbeyen and Wissel. In 1964, a stationary branch of the Kreissparkasse was opened on Hohen Weg in Nütterden. This development continued one year later with the new office in Griethausen, Mühlenstrasse 4. In 1967 the town of Nierswalde was given an office at Stettiner Straße 4.
The merger of Stadt- and Kreissparkasse Kleve on June 1, 1969
Towards the end of 1968 there were talks aimed at merging the two Klever savings banks. The initiator of the talks was Gert Brock, who had been the district administrator of the Kleve district since 1961 , and later a member of the state parliament and mayor of the city of Kleve. All questions relevant to a merger of the two savings banks were resolved within a short period of time. On June 1, 1969, exactly one month before the municipal reform came into force, the association assembly of the “Sparkasse Purpose Association for the District of Kleve and for the City of Kleve” met in the Kolping House.
Through this merger, the Stadtsparkasse founded in 1825 and the Kreissparkasse founded in 1872 merged on June 1, 1969 to form the Kleve District and Stadtsparkasse. Karl Class became chairman of the board of the Kreis- und Stadtsparkasse Kleve, Gert Brock took over the chairmanship of the savings bank council (administrative board) and chief district director Hans Smeets became chairman of the credit committee . In addition to the two main branches on Hagschen Strasse, the Kreis- und Stadtsparkasse Kleve had 19 additional stationary branches, a paying office at the Klever slaughterhouse and a "mobile branch" with 14 stops in the year of the merger. In 1969, two more stationary branches were added in the places Donsbrüggen (Hauptstrasse 26-28) and Hasselt (Schwanenkamp 14). The "mobile branch" received two new stops in the communities of Altkalkar (barracks) and Schottheide. As of the 1969 balance sheet date, the new institute had total assets of DM 226.9 million and had 216 employees.
The way to the universal credit institution
The last 30 years of the 20th century were characterized by very strong growth for Sparkasse Kleve. In the year of the merger in 1969, the Sparkasse still had a balance sheet total of 226.9 million DM; by the year 2000 this had grown to around 2.5 billion DM. The number of private and business customers doubled in this period from 20,000 (1969) to 41,000 accounts in 2000.
The first years of the Kreis- und Stadtsparkasse Kleve are closely connected with the name of Peter Theissen, who became chairman of the board in 1973.
The large increase in customers necessitated an expansion of the branch network, so between 1970 and 1990 a large number of new and modernization work was carried out on the existing branch network. From 1977 the former main offices of the district and city savings bank, 100 meters away, were combined to form a central office. A new concept “Treffpunkt Sparkasse” was implemented in 2000 after extensive renovation work in the main office building. In addition to the financial services branch with self-service and service areas as well as rooms for customer service and the savings bank insurance agency, there is now - within an arcade - a travel agency and a café in the savings bank building.
Automation and mechanization
The large number of business transactions in modern payment transactions made the use and further development of electronic data processing necessary. In the 1960s, the "IT age" began at Sparkasse Kleve with the use of punch cards. In 1977, with the help of the Sparkasse computer center, the possibility was created to record business transactions in the savings and giro area "online", i. H. to be processed at the same time. In 1982 the first ATM was installed in the main office at Hagschen Straße 33 . The Sparkasse has also been on the Internet since autumn 1996, accessible via www.sparkasse-kleve.de.
engagement
The public credit institute supports numerous initiatives in the area of social, societal, cultural and sporting life in the region. The focus of funding is on the areas of art and culture. a. in the close cooperation with the Museum Kurhaus Kleve and the Foundation Schloss Moyland as well as the many non-profit organizations.
In December 1975 the “Sparkassenstiftung Kleve” was founded. This independent foundation under private law pursues charitable purposes that extend to the promotion of art, culture and education, youth welfare and welfare as well as sport. Sparkasse Kleve provided the foundation with an amount of 500,000 DM when it was founded; in the anniversary year 2000 this sum was increased to 3 million DM. Applications can be submitted to the foundation in March of each year; a voluntary board of trustees made up of three members of the board of directors and six members chosen by the board of directors from the municipalities of the guarantor area decides on the allocation of funds.
Merger in 2016
In 2016, Sparkasse Kleve merged with Stadtsparkasse Emmerich-Rees and Sparkasse der Stadt Straelen to form Sparkasse Rhein-Maas, based in Kleve. The Sparkasse is run by the Sparkassenzweckverband Rhein-Maas, to which the district of Kleve and the cities of Kleve , Emmerich , Rees and Straelen belong.
literature
- Wolfgang Dahms: We for you - 175 years of Sparkasse Kleve, Kleve 2001
- Aloys Puyn and Peter Theissen: 1948 - Forty Years Later, Kleve 1988
- Annual reports of the Kreis- und Stadtsparkasse Kleve since 1969, archive of the Sparkasse Kleve
Web links
- Sparkasse Rhein-Maas in the company database of BaFin
- Official website
Individual evidence
- ↑ a b Master data of the credit institute at the Deutsche Bundesbank
- ↑ 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 .
- ↑ HRA 901 at the Kleve District Court on August 29, 2016
- ↑ The "Sparkasse Rhein-Maas" will be available from August 29th , accessed on September 3rd, 2016
Coordinates: 51 ° 47 '6.7 " N , 6 ° 8' 9.2" E