Sparkasse Neuburg-Rain

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Logo of the savings banks  Sparkasse Neuburg-Rain
Country GermanyGermany Germany
Seat Theresienstrasse B 186
86633 Neuburg
legal form Institute of public right
Bank code 721 520 70
BIC BYLA DEM1 NEB
founding 1842
Association Savings Bank Association of Bavaria
Website www.sparkasse-neuburg-rain.de
Business data 2019
Total assets 1.224 billion euros
insoles 919.6 million euros
Customer credit 763.42 million euros
Employee 279
Offices 18th
management
Board of Directors Lord Mayor
Bernhard Gmehling , Chairman
Board Nils Niermann, chairman;
Wolfgang Pöppel
List of savings banks in Germany
Founding document of Sparkasse Rain 1842
The branch of the Sparkasse Neuburg in 1948
The Sparkasse Rain in 1980

The Sparkasse Neuburg-Rain is a public financial institution with headquarters in Neuburg an der Donau and Rain am Lech . With its two main offices as well as 16 branch offices, two real estate centers and two insurance centers, the Sparkasse looks after its customers in the business area in the Altkreis Neuburg an der Donau , around the cities of Neuburg and Rain. The two initially independent Stadtsparkassen merged in 2005 to form Sparkasse Neuburg-Rain. The carrier is the Zweckverband der Vereinigte Stadtsparkassen Neuburg ad Donau and Rain am Lech ; the city of Neuburg an der Donau has a 67% stake, the city of Rain with 33%.

Business figures

Sparkasse Neuburg-Rain reported total assets of EUR 1.224 billion in the 2019 financial year and customer deposits of EUR 919.6 million. According to the 2019 Sparkasse Ranking List, it ranks 294th in terms of total assets. It has 18 branches / self-service locations and employs 279 people.

History of the Sparkasse in Bavaria

The establishment of the first Bavarian savings bank falls during the reign of King Max I and is closely linked to the new version of the municipal code from 1817. Just two years after the new municipal edict was issued, King Max I suggested that care should be based on the principle of Creating self-help and using the term “Sparkasse” for the first time. As in the rest of the German states, those cities in Bavaria who could look back on a long commercial tradition were the forerunners of savings banks. Nuremberg opened its first savings bank in 1822. Würzburg and Regensburg followed in the same year. Munich in 1831. Much has changed over the decades, but the public-law character of the savings banks has remained. The regional principle of the savings banks states that deposits can also be loaned back in the business area and thus benefit the domestic economic area again.

History of the Stadtsparkasse Neuburg

The early years until 1870

The founding of the Sparkasse Neuburg dates back to 1842 and is largely linked to the commitment of the then mayor Josef Weber. His report on the establishment of a "Sparkassa", read out on June 9, 1842 in a magistrate's meeting, was sent to the royal government. On June 15, 1842, the responsible Chamber of the Interior approved the statutes of the “Sparanstalt in the royal Bavarian city of Neuburg an der Donau” . The main reason for the establishment of the Sparkasse was probably the situation of the poor at the time and the associated increasing burdens for the general public. Evidence for this can be found in the municipal protocol of July 28, 1842 , in which the transfer of 500 guilders from the municipal treasury was instructed due to the "unfortunate conditions" in the poor fund because the "poor treasury" no longer had any cash. The aim of the "Spar-Verein", as which the Sparkasse Neuburg described itself in §1 of its founding statutes, was from the beginning to promote the thriftiness of the Neuburgers, especially the children, servants and the underprivileged, by accepting small amounts of money and paying interest. Just four weeks after the opening, a first loan of 600 guilders at 4.5% interest was granted to a farmer from Feldheim from the savings . Just two years after it was founded, the savings bank was able to point to a deposit of 19,004 guilders and 59 kreuzers. In 1859, 17 years after it was founded, the Sparanstalt was renamed "Städtische Sparkassa in Neuburg an der Donau". On January 16, 1868, the city of Neuburg was granted the establishment of a so-called “Credit-Casse”. A decisive step from a social welfare institute to an all-round banking business with a social component. From now on it was possible to accept savings deposits that exceeded the previous maximum of 200 guilders per person and thus to finance major municipal projects.

The development until 1933

After the Franco-Prussian War of 1870/71 , the savings bank's deposits increased considerably. At the turn of the year 1875/1876 the guilder was replaced by the mark and after 50 years since its foundation, the Stadtsparkasse Neuburg was able to announce a deposit of 902,483.69 marks in 1892. Until 1916, the savings bank administrator was a "civil magistrate's council" who performed the task part-time. The savings bank, which at that time had its headquarters in the Neuburg town hall, opened on Wednesdays, Saturdays and on the cattle market days on which the farmers were in Neuburg. In the following 15 years, more and more citizens made use of the Sparkasse's services, so that in 1932 the Sparkasse moved into its own premises in a municipal building at Theresienstrasse B199. From then on, two city officials did their job at the Sparkasse.

From the world war to the present

On February 1, 1934, the Sparkasse Neuburg with director Hans Haslacher was given a separate line from the city for the first time. One year later the first apprentice, later the Sparkasse director Franz Schabacker. In October 1935, the city savings bank was expanded and modernized. During the renovation phase, business operations ran in rented rooms on Oswaldplatz. As early as 1939, the Sparkasse tried to buy its own property. However, this could no longer be realized before the beginning of the Second World War . Of the 10 employees in 1940, several employees were drafted into the Wehrmacht during the war . After the turmoil of the war, the next difficulty awaited the savings bank with the currency reform . The stock of deposits melted from over 27 million Reichsmarks to around 1.2 million German marks on the reporting date. It was only in 1951 that one could speak of a normalization of the money and capital relations. In mid-1956, a piece of land was acquired on Theresienstrasse. The new building erected there was ready for occupancy in October 1957 and from then on it formed the main office of the Stadtsparkasse. In 1962 Franz Schabacker took over the management of the Sparkasse. During his tenure, the expansion of the Neuburger Sparkasse accelerated rapidly. The first branch opened in Rennertshofen . The branch offices in Karlshuld , Neuburg-Ostend, Weichering , Rohrenfels and Neuburg-Schwalbanger started business only a little later. In 1979 Schabacker retired and handed over the post to Kurt Streicher. At this point in time the savings bank had a business volume of 168 million marks. Due to the growth of the Stadtsparkasse, the spatial capacities had to be expanded very soon. The new building was inaugurated in 1985. During this time, the Sparkasse employed 97 people with total assets of 277 million marks. Parallel to the new headquarters building, the branch network was expanded from 1982 to 1985 to include the branches in Neuburg-Nord, Neuburg-Hirschenstrasse, Sinning , Untermaxfeld , Ludwigsmoos , Karlskron , Oberhausen and Heinrichsheim . In 1992 the Stadtsparkasse celebrated its 150th anniversary. In 2005 the Stadtsparkasse Neuburg merged with the Stadtsparkasse Rain am Lech. The balance sheet total rose to 0.8 billion euros and in addition to the two main offices in Neuburg and Rain, around 220 employees work in a further 16 offices in the region.

History of the Stadtsparkasse Rain

From the foundation to 1870

The Sparkasse Rain began its service on October 1, 1843. The first business premises were in the apartment of the respective cashier in a safe and in the municipal building, where the savings bank accounting took place. The business operations of Sparkasse Rain, however, continued for many decades after it was founded through part-time or even voluntary work. The office of the treasurer, as well as the bookkeeping, was carried out by the town clerk Friedrich Fischer, who also had legal training. The first customers were maids, servants, servants and council servants and they all came from the old Bavarian region. Business relationships across the Lech were virtually non-existent at the time. The first board of directors in 1843/44 consisted of the then mayor Lutz, Magistrate Weigl as the deputy of the magistrate, Ignaz Muggenthal as the deputy of the poor relief council, Josef Köpf as the deputy of the local authority and the town clerk Friedrich Fischer, who held the function of the treasurer. One year after it was founded, the Sparkasse Rain had 109 depositors with a total contribution of 10,524 guilders, 2 kreuzers and 3 pfennigs. The March Revolution and the political turmoil that accompanied it in 1848 and 1849 caused a spontaneous decline in the Rainer population's willingness to save. In three years the deposits decreased by 25%. It was not until the business year 1850/51, when the domestic political situation in Bavaria had calmed down again, that the number of deposits and the amount of deposits at Rainer Sparkasse rose again. Ten years later, in 1861, the “Spar-Kassen-Anstalt Rain” had 471 customers and a total of 47,668 guilders and 49 cruisers.

The development until 1933

After the local currency was changed from guilders to gold marks, the basic regulations of the Sparkasse Rain were revised. From now on, the savings banks could determine the amount of their customers' deposits themselves. The savings facility for craftsmen and farmers thus became a financial and credit institute that could also handle larger projects. From 1909 the company name changed to "Städtische Sparkasse Rain". At this time, the big banks were increasingly displacing the small credit institutions and the middle class lost its financiers. For this reason, on March 28, 1908, around 340 Bavarian savings banks merged to form the State Association of Bavarian Savings Banks and thus formed an alternative to large banks for medium-sized companies. During the First World War , Sparkasse Rain, like all other credit institutions, was used as a subscription agent for war bonds and thus entered the securities business for the first time. The financing of the war costs inflated the securities portfolio to such an extent that the inflationary development after the war destroyed a large part of customer assets. Sparkasse Rain recovered from this shock only slowly. The deposits flowed sparingly, but the demand for credits and loans soared. Since part-time or voluntary employees were still employed at Sparkasse Rain, the inquiries could no longer be answered and so the city of Rain advertised a full-time position as Sparkasse manager in 1925. The choice fell on Fritz Knöpfle, then 28 years old, from Auerbach in Upper Palatinate. At the same time, Rains mayor Xaver Bschorer was elected chairman of the savings bank committee. The councilors Baumann, Dehner, Birle, Artner and Sparkasse administrator Knöpfle were the assessors. The committee's first decision in 1926 was to introduce checks and transfers. Due to the good development of Sparkasse Rain, the number of employees rose to five over the next four years. In 1930 the first branch was opened in Burgheim.

From the world war to the present

Stadtsparkasse Rain before the merger in 2005

The Stadtsparkasse Rain survived the Second World War relatively unscathed. The deposits remained stable during and after the war. Sparkasse manager Fritz Knöpfle was promoted to the Reichsdienst in 1939 and was transferred to Reichenberg in northern Bohemia. His successor was Heinrich Müller, who grew up in Günzburg and was most recently employed by the Sparkasse Lauingen. According to the instructions of the American military government, however, he was suspended from service for three years on July 1, 1945, and during this time he was replaced by the native Rainer baker's son Josef Müller. After the currency reform, the depreciated deposits of the Stadtsparkasse Rain amounted to around 800,000 DM. The business expansion of the Rainer Stadtsparkasse meant that their premises on the ground floor of the town hall became too small. The Sparkasse tried to find a suitable property in a good business location. In 1955, the board of directors decided to build a new savings bank administration building on Neuburger Strasse. Between 1959 and 1964, further branches were opened in Münster , Thierhaupten , Holzheim , Bayerdilling and Ehekirchen . The savings at that time amounted to around 17 million DM. After the sole Sparkasse director Heinrich Müller retired in 1974, his permanent representative and native Rainer Gottfried Lauterbach took over the official business. During his tenure in 1983, the main office in Rain was rebuilt. In the same year Lauterbach retired after nine years as a member of the board. From then on his successor Karl Forster held the office of the board. In 1992 the Stadtsparkasse Rain celebrated its 150th anniversary. At that time, customer deposits exceeded the DM 200 million mark. After Karl Forster, chairmen of the board were Walter Sauer and finally Franz Wittmann. The merger with Stadtsparkasse Neuburg took place in 2005; the Thierhaupten branch had to be handed over to the Kreissparkasse Augsburg .

Awards

2007–2009: “1Voraus” award for the strongest selling Sparkasse in Bavaria in various categories.

literature

  • Stadtsparkasse Rain: Festschrift on the occasion of the 150th anniversary; July 1992.
  • Stadtsparkasse Neuburg: Jubilee newspaper 150 years of Neuburg Stadtsparkasse; June 1992.

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. ^ Association shares according to the list of sponsors and members of the Bavarian savings banks , accessed on May 10, 2020.
  4. ↑ 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 .

Coordinates: 48 ° 44 ′ 4.3 "  N , 11 ° 10 ′ 40.8"  E