Sparkasse Oberland
 Sparkasse Oberland
|
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|---|---|
| Country |
 Germany
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| Seat | Weilheim in Upper Bavaria |
| legal form | Institute of public right |
| Bank code | 703 510 30 |
| BIC | BYLA DEM1 WHM |
| founding | 4th December 1836 |
| Association | Savings Bank Association of Bavaria |
| Website | www.sparkasse-oberland.de |
| Business data 2018 | |
| Total assets | EUR 2.75 billion |
| insoles | EUR 2.11 billion |
| Customer credit | EUR 1.99 billion |
| Employee | 477, of which 43 are trainees |
| Offices | 30 branches with advice and service, 6 self-service branches |
| management | |
| Board of Directors |
Markus Loth and Andrea Jochner-Weiß (changing chair) |
| Board | Thomas Orbig (Chairman) Markus Lanz Michael Lautenbacher |
| List of savings banks in Germany | |
The Sparkasse Oberland is a public sector financial institution based in Weilheim in Upper Bavaria and Schongau . The Sparkasse Oberland was created from the merger of the former United Savings Banks in the district of Weilheim i.OB and the Kreissparkasse Schongau on April 1st 2017.
Organizational structure and business direction
The Sparkasse Oberland is an institution under public law . The legal bases are the Savings Banks Act , the Bavarian Savings Banks Code and the statutes issued by the Sparkasse owner . The organs of the Sparkasse are the board of directors and the administrative board.
The municipal sponsoring body (Art. 4 SpkG) of the Sparkasse is the Zweckverband Sparkasse Oberland, of which the city of Weilheim i.OB, the district of Weilheim-Schongau, the Markt Murnau a. Staffelsee, the market Peißenberg and the city of Penzberg belong. The business district of the Sparkasse Oberland includes the spatial sphere of activity of the association members.
The Sparkasse Oberland operates the universal banking business . Sparkasse Oberland reported total assets of EUR 2.903 billion in the 2019 financial year and customer deposits of EUR 2.218 billion. According to the 2019 Sparkasse Ranking List, it ranks 143rd in terms of total assets. It has 29 branches / self-service locations and employs 528 people.
history
Today's Sparkasse Oberland is the amalgamation of five savings banks.
The Weilheimer Stadtsparkasse was the first in the Bavarian Oberland . The idea for the establishment came from the then town clerk of Weilheim, Philipp Jakob Wimmer, in 1824. The purpose of the establishment of the savings bank was "to give the less well-off population class of the town of Weilheim and its surroundings, the journeymen, apprentices and servants, and then especially the children, the opportunity to have their small Not only to keep cash and savings safe, but also to be able to receive progressive growth from them through appropriate interest. "
Twelve years later, the corresponding Council decision was made. The offices of the Weilheimer Sparkasse have been located in what was then the town hall, today's town museum. The first business day, December 4, 1836, was a Sunday.
At that time, the thirteen-year-old merchant's daughter Antonie Kaiser opened the savings account no. 1 for 15 guilders (around 370 euros based on today's purchasing power).
In the following years, too, the Sparkasse was initially only open on two Sundays a month before, from November 1865, instead of Sundays, the Sparkasse business could be carried out "every Saturday of the week". Until the middle of the 1890s there was only one weekday as the acceptance day for savings, but until the turn of the century these were expanded to increase savings, and Mondays and Thursdays also functioned as “cash days”.
The Sparkasse Murnau was founded in 1840. On January 1, 1852, the Städtische Sparkasse Schongau was founded. The purpose at that time was "to give the less well-off population class of the Schongau district court [...] the opportunity to not only keep them safe with regard to their own savings, but also to be able to receive progressive growth from them through appropriate interest payments." In 1910, the deposits exceeded one million marks for the first time. As a result of inflation and currency reform of the 1920s, a redevelopment was necessary in 1926. In the period that followed, the Sparkasse Schongau experienced a significant upswing.
In 1937 they moved into a newly built office building. The Stadtsparkasse had meanwhile become a district savings bank and later the district savings bank. In 1957, cashless wage payments were introduced at an early stage with the Peiting mine. In 1971 customer deposits exceeded DM 100 million.
In 1920 and 1921 the savings banks in Peißenberg and Penzberg were established. The first branches in the villages of Huglfing , Pähl , Bernried and Uffing were opened in the 1950s. The United Savings Banks i. Lkr. Weilheim was established between 1953 and 1959. During this time, the savings banks Weilheim and Penzberg founded a special purpose association, which the Sparkasse Peißenberg also joined a year later. At that time, the savings banks operated under the name Vereinigte Sparkassen Weilheim-Penzberg and Peißenberg . With the entry of the Sparkasse Murnau into the Zweckverband in 1959, the four savings banks operated from then on as United Sparkassen in the district of Weilheim i. OB .
The structural crisis in the banking industry, among other things as a result of the low interest rate policy of the European Central Bank (ECB), accelerated the merger movements among the German savings banks. In autumn 2015, there were therefore talks about a merger of the Sparkassen Garmisch, Weilheim and Schongau. A merger to "Sparkasse Oberland" was planned for April 1, 2016. After a veto by the Board of Directors of Kreissparkasse Garmisch-Partenkirchen at the end of November 2015, the merger of the three savings banks failed. In July 2016, the United Savings Banks in the Weilheim district and the Kreissparkasse Schongau resumed negotiations on a two-party merger. After the approval of the respective municipal supervisory bodies, the merger agreement was signed on December 15, 2016. On April 1, 2017, a new era began with the official renaming to "Sparkasse Oberland". The business area of the new Sparkasse now extends with 36 branches over parts of a total of four districts (Weilheim-Schongau, Garmisch-Partenkirchen, Bad Tölz-Wolfratshausen and Landsberg).
Savings Banks Finance Group
Sparkasse Oberland is part of the Sparkasse Finance Group . The responsible association is the Sparkassenverband Bayern . The Sparkasse therefore sells z. B. Bauspar contracts from LBS Bayern, open investment funds from Deka and brokers insurance from the Bavarian Insurance Chamber . In the area of leasing , Sparkasse Oberland works together with Deutsche Leasing . Sparkassen-Immobilien-Vermittlungs GmbH supports the real estate business. The responsible Landesbank is the Bayerische Landesbank .
Deposit insurance
Sparkasse Oberland is a member of the Sparkasse Support Fund of the Sparkassenverband Bayern and thus part of the institute-related security system of the German savings bank organization, which meets the requirements of the EU deposit insurance and the Deposit Insurance Act (EinSiG).
The security system of the Sparkassen-Finanzgruppe
The protection system of the Sparkassen-Finanzgruppe is based on the Deposit Protection Act (EinSiG), which came into force in July 2015. The aim of the security system is to avoid economic difficulties for the affiliated institutes. The system protects the deposits of all citizens, which are kept at an institute of the Sparkassen-Finanzgruppe. The Sparkassen-Finanzgruppe's security system consists of two components. The primary objective is to avoid a compensation event and to ensure the solvency and liquidity of the institutes (voluntary bank guarantee). If necessary, the voluntary bank security ensures that the stability of an institute of the Sparkassen-Finanzgruppe is restored. The second objective is to be able to guarantee the compensation of depositors. Therefore, the deposits of the customers are secured up to an amount of 100,000 euros (statutory deposit insurance). In this way, the continued existence of each member institute is to be guaranteed and the business relationships between the institutes and their customers, as contractually agreed, can be continued. Since the establishment of the guarantee system in the 1970s, this system has ensured that no member institution has ever gone bankrupt. In the Sparkassen-Finanzgruppe, no customer has lost their deposits.
social commitment
The business model of the savings banks is the common good based on the public mandate and the municipal sponsorship. The funding activities by the Weilheimer Sparkasse were correspondingly extensive at the turn of the century: In 1881 they gave grants for the construction of the hospital and its expansion in 1891. In 1902, the construction, expansion and renovation of the secondary school was funded, as well as funds for churches, such as the new building in 1899 the Protestant church, as well as in the expansion of various urban infrastructures, such as the slaughterhouse in 1902, the urban gas lighting , the fire department and in 1893 the water pipes.
In December 1985, the cultural foundation of the Kreissparkasse Schongau was founded. The purpose of the foundation is to promote art and culture in the Schongauer Land, to maintain nature and homeland protection and to serve adult education.
In 1986, on the occasion of the 150th anniversary of the establishment of the United Savings Banks, the United Savings Banks' anniversary foundation was set up to promote cultural and social issues in the business area by supporting home care, nature and environmental protection, as well as care for young people and the elderly, including support for people in need. The initial basic assets of the equivalent of 200,000 euros have now grown to 1.75 million euros.
In the meantime, three more regionally anchored foundations have been added: In 2003, the Ödön von Horváth Foundation was established in Murnau. In 2005, together with the city of Weilheim, the Georg Petel Foundation was established, the purpose of which is to promote the visual arts, especially sculpture and painting. Finally, in 2007, the United Savings Banks and Market Peißenberg Cultural Foundation was established to promote young artists and musicians. In addition, the United Savings Banks make six-figure donations annually to associations, schools, kindergartens, cultural institutions, rescue and aid organizations and charitable initiatives, with which around 100 charitable projects are supported and financed each year.
Trust foundation and community foundations
In 2011, the community of founders of the former Kreissparkasse Schongau was founded. In addition to numerous private foundations, it was home to 16 community foundations from municipalities in Schongauer Land. The community of founders of the former Kreissparkasse Schongau was an independent foundation, which enables citizens willing to make a foundation to support charitable and social projects in their home country with donations. This is possible, for example, through one of the 16 community foundations or by setting up your own sub-foundation within the Sparkasse's community of founders. When setting up his own name foundation, the founder himself determines the name and the foundation capital as well as the foundation purposes and the beneficiary institutions.
One year later, in 2012, the former United Savings Banks set up the "Stiftergemeinschaft der Vereinigte Sparkassen im Landkreis Weilheim i.OB". This has a total of community foundations from five municipalities, the city of Weilheim, the city of Penzberg, the market town of Peißenberg and the communities of Huglfing and Bernried. Since the two founding communities were founded, around 335,000 euros have been made available for charitable purposes to the 21 community foundations of the participating municipalities.
Due to the merger of the former Kreissparkasse Schongau and the former United Savings Banks in the Weilheim district, the two benefactors' associations of the two old savings banks were merged on January 1, 2019 to form the "Donors Association of Sparkasse Oberland". The new community of founders currently comprises 21 community foundations, several name foundations and two association sponsorship foundations. Founders can set up their own sub-foundation quickly and unbureaucratically under the umbrella of the "Stiftergemeinschaft der Sparkasse Oberland". This means that committed citizens have ideal conditions to be able to fund things for the benefit of their region. The community of founders makes it possible to use the advantages of a common organization and at the same time to be able to give the founders a maximum of individuality.
literature
- 100 years of Stadtsparkasse Weilheim 1836-1936. Weilheim 1936.
- Willi Mauthe: 125 years of United Savings Banks in the Weilheim district: 1836-1961 . Ed .: United Savings Banks in the District of Weilheim OB. Self-published, Weilheim 1961, DNB 821225626 .
- Josef Wysocki: Land and Time: 1836-1986 . Ed .: United Savings Banks in the District of Weilheim i. IF. Self-published, Weilheim 1986, DNB 870453610 .
- Paul Erker: People and Money. Insights into the capital market history of the Bavarian Oberland . Booklet accompanying the exhibition 175 Years of United Savings Banks. Weilheim 2011.
Web links
- Sparkasse Oberland in the company database of BaFin
- Homepage
Individual evidence
- ↑ a b Master data of the credit institute at the Deutsche Bundesbank
- ↑ 2018
- ↑ Articles of Association of Sparkasse Oberland , accessed on April 2, 2018
- ↑ 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 .
- ↑ Quoted from: 125 years of the United Sparkassen WM 1836 - 1961. p. 2.
- ↑ Quoted from: 85 years Bezirks-Sparkasse Schongau 1852-1937 p. 19 ff.
- ↑ Quoted from: https://www.merkur.de/lokales/weilheim/sparkassen-fusion-gescheitert-weilheim-schongau-garmisch-partenkirchen-5905512.html , accessed on April 4, 2019.
- ↑ Quoted from: https://www.sparkasse-oberland.de/content/dam/myif/spk-oberland/work/dokumente/pdf/allgemein/is_presse_samstagsseite.pdf , accessed on April 4, 2019.
- ↑ Quoted from: https://www.sparkasse-oberland.de/de/home/ihre-sparkasse/presse-center/fusion.html?n=true , accessed on April 4, 2019.
- ↑ Quoted from: https://www.dsgv.de/sparkassen-finanzgruppe/sicherheitungssystem.html , accessed on April 4, 2019.
- ↑ from: People and Money. Insights into the capital market history of the Bavarian Oberland. P. 14.
- ↑ [1]
- ↑ www.vereinigte-sparkassen.de/jubilaeumsstiftung ( page no longer available , search in web archives ) Info: The link was automatically marked as defective. Please check the link according to the instructions and then remove this notice.
- ↑ www.vereinigte-sparkassen.de/stiftungen_vskweilheim ( page no longer available , search in web archives ) Info: The link was automatically marked as defective. Please check the link according to the instructions and then remove this notice.
- ↑ [2]
Coordinates: 47 ° 50 ′ 21.1 ″ N , 11 ° 8 ′ 33.7 ″ E