Stadtsparkasse Augsburg
 Stadtsparkasse Augsburg
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|---|---|
 Main entrance in Halderstrasse |
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| Country |
 Germany
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| Seat | 86150 Augsburg |
| legal form | Institute of public right |
| Bank code | 720 500 00 |
| BIC | AUGS DE77 XXX |
| founding | 1822 |
| Association | Savings Bank Association of Bavaria |
| Website | www.sska.de |
| Business data 2019 | |
| Total assets | 6.313 billion euros |
| insoles | 5.108 billion euros |
| Customer credit | 4.486 billion euros |
| Employee | 1,073 |
| Offices | 45 |
| management | |
| Board of Directors | Kurt Gribl (Chairman) |
| Board | Rolf Settelmeier (chairman), Walter Eschle, Cornelia Kollmer |
| List of savings banks in Germany | |
The Stadtsparkasse Augsburg is a public sector financial institution based in Augsburg in Bavaria . Its business area includes the city of Augsburg and the southern part of the Aichach-Friedberg district (roughly equivalent to the old Friedberg district ), as well as the Augsburg district in accordance with the statutes. The Sparkasse is run by the municipal savings bank Augsburg-Friedberg, to which the cities of Augsburg and Friedberg belong. Stadtsparkasse Augsburg was founded in 1822. After the Nürnberger Sparkasse, which was founded in 1821, it is the second oldest Bavarian savings bank to be founded.
organization structure
Stadtsparkasse Augsburg is an institution under public law . The city of Augsburg holds 80% and the city of Friedberg 20% of the carrier (Zweckverband). 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 commercial customer market is looked after by the specialist departments for corporate customers, for corporate customers and for commercial customers and, since 2012, in the liberal professions department. The Private Banking department, the individual customer centers and the branch offices are dedicated to the private customer market.
The real estate brokerage is operated by the Sparkassen-Immobilienvermittlungs-Gesellschaft. The mortgage department takes care of mortgage lending from the financing concept to the last installment.
Business direction and business success
Stadtsparkasse Augsburg operates the universal banking business as a savings bank . It is the market leader in its business area with a market share of over 50% with private and corporate customers. It is the fifth largest savings bank in the Free State of Bavaria.
Stadtsparkasse Augsburg reported total assets of EUR 6.313 billion in the 2019 financial year and customer deposits of EUR 5.108 billion. According to the 2019 Sparkasse Ranking List, it ranks 47th in terms of total assets. It has 45 branches / self-service locations and employs 1,073 people.
In 2010, the Sparkasse was awarded the certificate for the berufundfamilie audit , which the Federal Minister for Family, Seniors, Women and Youth, Kristina Schröder , presented to CEO Rolf Settelmeier. It documents successful efforts of the company in reconciling family and work . The document is a review of relevant criteria by the berufundfamilie gGmbH, a facility of the Hertie Foundation , is based.
Commitment to the common good
The "Augsburger Sparkassen-Altenhilfe" is a foundation established on the occasion of the 150th anniversary of the Sparkasse, which acts as a sponsor for a renowned senior citizens' home. The “ Sparkasse Planetarium of the City of Augsburg ” takes care of a broad knowledge transfer about the universe. The children and youth foundation "Aufwind" is charitable through its own activities and through support from other institutions. The Mozart Foundation supports cultural events in the German Mozart city of Augsburg.
history
The initiative for the creation of the Sparkasse came from Johann Lorenz Freiherr von Schaezler , a royal finance councilor and banker in Augsburg. In a letter dated April 8, 1821, he proposed to the magistrate of Fuggerstadt to set up a “savings fund” . Schaezler's motive was his impression that insufficient provision for the future, in the youth and also in times of prosperity, contributes to the impoverishment of parts of the population. With the "savings fund" , day laborers , servants , journeymen and future craftsmen in particular should be able to invest their money safely for later times of need. The banker based his proposal primarily on the regulation of the Dresdner Sparkasse of December 23, 1820, which he was familiar with. The Augsburg magistrate took up Schaezler's idea and the royal government in Bavaria approved the magistrate's proposal on December 31, 1821.
On February 2, 1822, the “Augsburg Savings Fund with Interest” , supported by an association to which the main Augsburg banks belonged as guarantors, began operations. With savings plans, which earned interest at 5% per annum (as opposed to the usual 4%), depositors were introduced to retirement savings. Only citizens of Augsburg were allowed to make deposits, as the local welfare thought was paramount. The capital flowing in was invested in 5% state promissory notes .
However, the royal public debt repayment commission decided on May 1, 1829 to only pay 4% interest in future. This created a deficit in the contractually guaranteed deposit interest, which the association was not willing to pay. On October 22, 1830, the royal government approved that the Augsburg magistrate could take over the savings bank as part of the administration. On January 20, 1831, the assets of the Sparkasse of 525,919 guilders with deposits of 510,106 guilders were taken over by the local government.
From October 1, 1843, investments by the State Debt Repayment Commission in Bavaria were completely prohibited to all savings banks. The money was now alternatively invested securely in 3 ½% Bavarian government bonds and the deposit interest in the articles of association of the Sparkasse of April 13, 1844 was reduced accordingly.
The Bavarian Savings Bank Act of June 4, 1848 finally prescribed
- the solution of deposits of the savings banks in the national debt repayment fund
- an interest rate of 4% annually for existing savings bank deposits there
- the repayment of this national debt with 1 million guilders annually
- A preference for less well-to-do depositors, servants, day laborers, journeymen, factory workers and military personnel up to the rank of first non-commissioned officer in the repayment of their savings.
At the end of the 1840s, the Sparkasse's situation was difficult. 1846/47 were years of hunger, combined with a surge in prices for everyday goods. Depositors therefore resorted to their nest egg. The inflow of deposits from wealthy groups, however, stalled because they were offered more lucrative investment opportunities in commercial or industrial bonds . Also because of the expected government bonds for railway financing, the wealthier citizens speculated on higher interest income than those at the Sparkasse.
In an announcement dated January 19, 1868, the customers were informed of the changeover from the accounting year to the calendar year after the period 1867/68 from the Sparkasse. The mobilization for the war in 1866 in the Austrian alliance against Prussia and the Franco-German War in 1870/71 led to increased repayments of deposits at the Sparkasse.
In the second half of the 19th century, restrictive provisions in the Sparkasse's statutes were gradually relaxed. On May 19, 1874, King Ludwig II approved the nationwide “Basic Provisions on the Savings Banks of Communities and Districts”, which were published the next day. According to the decree, previous restrictions no longer apply to a specific group of depositors at savings banks. The savings bank's assets and administration were to be strictly separated from those of the community. Funds from the Sparkasse could now flow into bonds , first-rate mortgage loans , municipal loans and also private borrower's note loans with a guarantee . Every savings bank had to gradually accumulate a "reserve fund" of 10% of total deposits from its profits.
In the statutes of January 1, 1877, the Reich currency " Mark " was first mentioned. The minimum deposit was set at 1 mark, the maximum deposit increased by the regulatory authority to 3,000 marks in the approval process .
In 1895 the pegging of savings deposit rates to the customary rate of interest was abandoned. The opening hours of the Sparkasse have been extended to 6 hours on working days. On Sundays and public holidays, deposits were possible from 10:00 a.m. to 11:30 a.m. For the purpose of the interest supplement, the savings bank books no longer had to be delivered.
1900 was with the Civil Code of the savings bank management, the -introduction cancellation of lost savings accounts allowed. The Check Act of March 11, 1908 also gave the Städtische Sparkasse Augsburg the passive check ability.
On the basis of the new "basic provisions" of the state government of June 1, 1911, the Sparkasse was allowed to participate in cashless payment transactions and in transfer and postal check transactions from 1912 . In addition to the savings bank branch in Lechhausen (see below), a second branch was added in Wertachvorstadt, which also looked after customers from Oberhausen , which was incorporated into Augsburg on March 2, 1914 .
On October 31, 1907, the Städtische Sparkasse Augsburg was a founding member of the “Sparkasse Association for the Administrative Region of Swabia and Neuburg”. On March 28, 1908, she was involved in founding the Bavarian Savings Banks and Giro Association .
In order to promote the sale of war bonds , the Bavarian savings banks were granted the custody business by the government on May 14, 1915 . In 1919 the institute made the first bill purchases . From 1922 the Sparkasse also granted its customers overdrafts .
On January 5, 1923, the Augsburg magistrate decided to give the Sparkasse the no longer used central gymnasium on Halderstrasse. After a renovation, the larger business premises long awaited by the Sparkasse were to be created there. On November 2, 1923, business was started there. The construction cost statement of September 19, 1924, together with the renovation costs and the purchase of furnishings, resulted in production costs of 10,837,461,268,767,789 (more than 10.8 quadrillion) marks. It was the time of runaway inflation . The introduction of the Rentenmark required an adjustment of the savings bank statutes. The version of January 27, 1926 now also allows business dealings with banks .
An emergency ordinance of the Reich President of October 6, 1931 created new framework conditions for the savings banks in Germany, which the state governments had to fill out in more detail. On December 21, 1933, the Bavarian Savings Banks Act and the Bavarian Savings Banks Ordinance were issued. This gave the Sparkasse the status of a non-profit, legally competent institution under public law, for whose liabilities the city of Augsburg continued to be fully liable in the event of the institution's insolvency. In 1939, the debt collection business , the issuing of letters of credit and through loans were approved as new branches of business . The rediscounting of foreign bills at the Reichsbank was made possible.
Institute growth
Göggingen
In Göggingen (a district of Augsburg since 1972), the "District Sparkassa Institution of the Royal District Court District of Göggingen" began operations on May 1, 1860 . Minors, servants, apprentices, journeymen and factory workers, day laborers and foreigners from this group of investors could also invest their savings capital with her. The administration of the institution was placed under the trustee of the royal district court. Shortly after the establishment of the Sparkasse, on November 10, 1861, the Bavarian law on the constitution of courts decreed the separation of the judiciary from the newly created district offices.
On February 25, 1863, the Augsburg district office announced that its district council had decided to abolish the Gögginger Sparkasse and merge it with the Augsburger Stadtsparkasse. Just three days later, the Augsburg magistrate approved this plan. The merger of the savings banks was completed on June 1, 1863. Reasons were, among other things, the lack of success of the district savings bank and the observation that many rural residents preferred to carry their money to the municipal institute.
On September 21, 1924, the Augsburg district office approved the Stadtsparkasse Augsburg to set up a branch in the neighboring town of Göggingen. This was taken over on March 31, 1931 by the newly founded "Bezirkssparkasse Augsburg" (today Kreissparkasse Augsburg). The reason was compliance with the regional principle, which tied the savings banks to the territory of their guarantor. Göggingen was not yet part of the Augsburg city area.
Lechhausen
Lechhausen , just outside Augsburg, had matured into the largest village in Bavaria. On January 1, 1900, the rural community was therefore elevated to a city. Since it was of the opinion in Lechhausen that a city should also have its own savings bank, the Lechhausen magistrate applied for the establishment of such a financial institution. The responsible district office in Friedberg / Bavaria approved the application. On August 1, 1900, the newly founded institute began its business activities.
The increasing industrialization in Augsburg meant that residents of the surrounding towns were hiring out more and more as factory workers. Lechhausen thus became a dormitory town with little tax revenue, which quickly put the young town in a predicament between unavoidable expenses and a lack of income. After a few years, the magistrate therefore submitted an application for incorporation into Augsburg. It was carried out on January 1, 1913.
With the incorporation, the "Städtische Sparkasse Lechhausen" became the first branch of the Stadtsparkasse Augsburg. 651 depositors with a credit of around 306,000 marks have now become customers of Stadtsparkasse Augsburg.
Augsburger Viehmarktbank
On April 1, 1941, the "Augsburger Handels- und Gewerbebank (Viehmarktbank) AG" was taken over by the Stadtsparkasse. The cooperative , which was entered in the commercial register on October 22, 1913 , started banking on January 1, 1914 and originally focused primarily on banking services for cattle dealers and butchers at the Augsburg slaughterhouse and cattle yard. After being converted into a stock corporation in 1924, it had become a universal bank. As such, it competed with the savings bank branch set up in the slaughterhouse and cattle yard at the request of the city council .
When merger talks with the Viehmarktbank failed in 1939, the savings bank bodies reacted. The Sparkasse bought shares in the bank and, secured by a 75% stake in the share capital, applied for a takeover in 1940. It was approved by the Reich Banking Supervisory Office and then the merger was completed. The Viehmarktbank building was completely destroyed by a bomb during World War II.
Stadtsparkasse Friedberg / Bavaria
In Friedberg, the negotiations for the establishment of a savings bank can be traced back to 1858, but serious preparations did not begin until 1863. On September 30, 1865, the Royal Ministry of Commerce in Munich approved the establishment of a separate savings bank in Friedberg. The first business day was Sunday, November 5, 1865.
From 1906 the Friedberger Sparkasse also held “official days” in Mering. In 1934 the first branch was opened in Mering. In 1943, the Sparkasse moved its headquarters from the Friedberg town hall to a newly constructed building next to the parish church of Sankt Jakob. In 1982 the company moved into a new main office building at Herrgottsruhstrasse 6. In 1995 the place in front of the Sparkasse was renamed, the address has since been Sparkassenplatz 1.
On January 1, 1999, the Stadtsparkasse Augsburg and Friedberg merged to form the Stadtsparkasse Augsburg. The reason for the merger was value adjustments in the credit business, which had used up the liable equity of Sparkasse Friedberg. Since then, the Sparkasse has been run by the “Zweckverband Stadtsparkasse Augsburg-Friedberg”, to which the cities of Augsburg and Friedberg belong.
After the merger, the space required by the savings bank was reduced. At the same time, the demand for rooms for medical practices in the immediate vicinity of the hospital increased. From 2012, the former building of the savings bank was renovated according to the latest energetic findings and adapted to the changed requirements. In addition to the Sparkasse branch, which was reopened in 2014, practices for specialists and therapists, a pharmacy and a bistro are planned in the “Finance and Health Center”.
Special business activities
On April 30, 1958, the Sparkasse was the first Bavarian credit institution to open a car counter next to its main office. The upswing in cashless bulk payment transactions in the 1960s necessitated a renovation and extension that was completed in 1967. The counter hall established at that time was the largest and one of the most modern of all the savings banks in Germany.
At the beginning of the 1950s, Sparkasse director Julius Heil vehemently advocated his idea of PS-Lossparens (premium loss savings). The system was well received by the savings banks in Germany. In Bavaria, implementation was approved on February 26, 1952 after other federal states were pioneers. The product known today as “PS-Saving und Win” is regularly played by around 9% of the population. The bar token sale has now largely been replaced by a savings option based on standing orders.
Stadtsparkasse Augsburg was the first Bavarian savings bank to issue savings bank bonds as order debts in 1971 . In 1989, bearer bonds were listed on the regulated market of the Bavarian stock exchange in Munich as the first Bavarian savings bank. The savings banks in the Free State were able to issue these papers from 1986.
Until December 31, 2009, the Sparkasse had its own travel agencies in Friedberg and Mering .
The "Impulse Workshop", which opened in 2019 in the Sparkasse headquarters in Augsburg, wants to make digital services tangible. In several stations it is shown by way of example how digitization can simplify everyday life. B. in the tram or during the lunch break. In addition to paying with a smartphone, making a photo transfer and querying account transactions using voice control, visitor groups can also explore computer-generated realities using VR glasses. The free offer is aimed at school classes, clubs and other interested organizations.
An overview of technical advances at Sparkasse
| year | Work technique / business area / work relief through |
|---|---|
| 1822 | Manual entries in books |
| 1885 | Introduction of savings brands |
| 1906 | Introduction of loose accounts instead of bound ledgers |
| 1910 | Acquisition of an electric “ Burroughs ” addition machine |
| 1911 | Counter-accounting and countersigning at the main cash desk |
| 1914 | Issuing and emptying of home money boxes |
| 1914 | Installation of token machines in four schools |
| 1923 | In the main office: calculating machines, typewriters, duplicating machines |
| 1926 | Introduction of commercial accounting |
| 1929 | Conversion of savings accounts to balancing machines |
| 1934 | The economy pick-up process is practiced |
| 1936 | Check and current account transactions in the two-pass system with booking machines from National (now NCR ) as the first large Bavarian savings bank |
| 1938 | Booking process a Hollerith - punch card system |
| 1955 | Archiving of documents on microfilm |
| 1957 | The IBM punched card system is supplemented by a tabulation machine |
| 1957 | Introduction of counter acknowledgment machines |
| 1959 | Check sorting and accounting machine in check processing |
| 1964 | Start of electronic data processing with IBM model 1401 |
| 1967 | Supplement to IBM system 360/30 |
| 1970 | Introduction of online booking traffic between head office and branches |
| 1972 | Five interpreters serve clients who are foreign employees in Turkish, Yugoslav, Italian, Greek and Spanish |
| 1974 | Real estate brokerage as the branch of the Landes-Immobilien-Gesellschaft |
| 1977 | Joining the SWIFT system for international payments |
| 1979 | The first ATM of the Sparkasse goes into operation at NCR |
| 1981 | Bank statement printer for customers and 20 ATMs in the city area |
| 1984 | PCs are finding their way into main office departments |
| 1987 | Use of a document sorting reader in payment transactions |
| 1995 | On October 1st, connection to the IZB SOFT association data center of the Bavarian savings banks |
| 2000 | No IT chaos at the turn of the millennium |
| 2002 | Currency conversion from the ATMs to the euro goes smoothly |
| 2007 | Connection to the Münster data center of the Sparkassen Informatik |
Savings Banks Finance Group
Stadtsparkasse Augsburg is part of the Sparkassen-Finanzgruppe and thus also belongs to its liability association. He secures the existence of the institutes and ensures that they can meet all liabilities even in the event of individual savings banks becoming insolvent . The Sparkasse arranges home loan and savings contracts from the regional building society , open investment funds from Deka and insurance from the Bavarian Insurance Chamber . Stadtsparkasse Augsburg works together with Deutsche Leasing in the area of leasing . BayernLB performs the function of the savings bank central bank .
literature
- Richard Merz: Stadtsparkasse Augsburg 1822–1997, a contribution to the economic and social history of the city of Augsburg. Stuttgart 1997, ISBN 3-09-303836-7 .
- Stefan Fendt: Friedberger Sparkasse history . Stuttgart 1990, ISBN 3-09-303984-3 .
Web links
- Stadtsparkasse Augsburg in the company database of BaFin
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 .
- ^ Association shares according to the list of sponsors and members of the Bavarian savings banks , accessed on May 10, 2020.
- ↑ 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 .
- ↑ Augsburger Allgemeine from June 25, 2010: Stadtsparkasse is family-friendly
- ↑ Augsburger Allgemeine from May 22, 2008: Stadtsparkasse makes money for the German city of Mozart
Coordinates: 48 ° 21 '53.1 " N , 10 ° 53' 35.9" E