Volksbank Uelzen-Salzwedel
 Volksbank Uelzen-Salzwedel eG
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| Country |
 Germany
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| Seat | Gudesstrasse 25 29525 Uelzen |
| legal form | registered cooperative |
| Bank code | 258 622 92 |
| BIC | GENO DEF1 EUB |
| founding | May 22, 1895 |
| Association | Genossenschaftsverband eV |
| Website | www.vb-ue-saw.de |
| Business data 2018 | |
| Total assets | 782 million euros |
| insoles | 561 million euros |
| Customer credit | 503 million euros |
| Employee | 161 |
| Offices | 8th |
| Members | 21,335 |
| management | |
| Board | Matthias Gericke Carsten Mielke |
| Supervisory board | Burkhard Gehrke |
| List of cooperative banks in Germany | |
The People's Bank Uelzen-Salzwedel eG is a bank in the form of a registered cooperative (eG). The cooperative bank is based in Uelzen . The business area of the bank extends over the district of Uelzen ( Lower Saxony ) and the western Altmark ( Saxony-Anhalt ).
Business model
Volksbank Uelzen-Salzwedel eG operates the universal banking business . Her core business areas include the implementation of payment transactions , financing advice, financial and asset investments , future provision , the real estate business area and the brokerage of cooperative financial services for private customers, corporate customers, freelancers, self-employed and, due to the rural structure, especially for agriculture.
Offices
In its business area, Volksbank Uelzen-Salzwedel eG has seven branches in the Uelzen district and one branch in western Altmark.
The internal service center of the bank is located in Uelzen, where the areas downstream of the store are located. This is also where the board of directors is located. Volksbank Uelzen-Salzwedel has branches in Uelzen as well as in Bad Bevensen , Bad Bodenteich , Bienenbüttel , Ebstorf , Rosche , Salzwedel and Suderburg .
The bank has 7 self-service points with an ATM . These are located in Uelzen (3 ×), Salzwedel, Bad Bevensen, Oldenstadt and Wriedel .
The bank also offers a direct branch, an online branch and a mobile branch including an app for smartphones and tablets.
Organs and legal bases
membership
Volksbank Uelzen-Salzwedel eG is managed in the legal form of a registered cooperative. The basis of this legal form is membership. As a member of Volksbank Uelzen-Salzwedel eG, you have one or more business shares in the bank, can participate in democratic decision-making processes and benefit from exclusive added value for members. Volksbank Uelzen-Salzwedel eG currently has more than 21,000 members.
Representative Assembly
The highest body of Volksbank Uelzen-Salzwedel eG is the annual meeting of representatives . The articles of association of the cooperative stipulate that the members exercise their rights in a meeting of representatives. For this purpose, all members elect one representative for every 40 members who represent their interests in the representative assembly. The representatives are elected for four years. When electing a representative, all members have one vote - regardless of the number of shares. The board of directors and the supervisory board give an account of their activities to the meeting of representatives. The meeting of representatives adopts the annual financial statements and decides how the annual surplus is to be used. It also decides on the discharge of the supervisory board and the executive board.
Board of Directors and Supervisory Board
The supervisory board is elected from among the representatives. He supervises the management of the board and controls the business results. The Supervisory Board also reviews the annual financial statements and reports on this review once a year to the Representative Assembly. The board of directors of Volksbank Uelzen-Salzwedel eG currently consists of 2 members. You manage the bank independently, represent it externally and manage the business. The Management Board is accountable to the Supervisory Board and the members of the bank.
Legal bases
The legal basis of the Volksbank is the German Cooperative Act and the statutes of Volksbank Uelzen-Salzwedel eG.
history
Today's Volksbank Uelzen-Salzwedel eG was created in 2003 from the merger between Volksbank Uelzen-Bevensen eG and Volksbank Ostkreis Uelzen eG . Its roots go back to 1895.
Founded in the 19th century
Volksbank Uelzen-Salzwedel eG can look back on many predecessor institutions. In the middle of the 18th century the population in today's business area of the bank grew rapidly, a famine threatened and so the intensification of agriculture had to be promoted. To this end, Georg III, King of England and Hanover, founded the Royal Agricultural Society in Celle in 1764 - the cornerstone of modern agriculture. In order to be able to work more directly and quickly, the wrestedter, Christian Freiherr von Hammerstein, founded the agricultural and forestry provincial association for the Principality of Lüneburg on March 22, 1830 together with 41 other men in Uelzen. As a subsidiary of the Royal Agricultural Society, the primary goal of the association was to show farmers ways in which higher yields could be achieved. The Provincial Association was so successful that subsidiary associations were founded all over the country - the Agricultural Associations. The first association of this kind in the Uelzen district was established in Ebstorf in 1855. Even then, the concept of a cooperative had developed very far in today's business area of the bank. The intensification of agriculture, the acquisition of livestock and new tools increasingly required the use of capital on every farm. But where should this money come from? The private banking industry increasingly turned to the supply of credit to industrial companies and private individuals, and the savings bank, which was established in 1860, was unable to give credit to agricultural and commercial enterprises with which they could do business all year round. Out of this need, the agricultural associations began at the end of the 19th century to found financial institutions that were geared to these special requirements and peculiarities.
The difficulties in raising capital threatened the very existence of many traders and farmers. For this reason, the "Verband hannoverscher Landwirtschaftlicher Genossenschaften eV" (Association of Hanoverian Agricultural Cooperatives), which had meanwhile been founded in Hanover, sent the hiking teacher Fricke to the interested communities for the purpose of founding savings and loan funds - the predecessor institutions of today's Volksbanks. In the respective agricultural associations, the knowledge of the hiking teacher Fricke found fertile ground, and so in 1895 a start was made to found savings and loan funds in the business area of Volksbank Uelzen-Salzwedel eG.
The predecessor institutions of Volksbank Uelzen-Salzwedel eG were founded
| year | Establishing the ... |
|---|---|
| 1895 | Savings and Loan Fund Ebstorf eGmuH; Savings and Loan Fund Pretzier eGmuH; Savings and Loan Fund Seebenau eGmuH; Savings and loan fund Siedenlangenbeck eGmuH |
| 1896 | Savings and Loan Fund Wieren eGmuH; Savings and Loan Fund Rätzlingen eGmuH; Savings and loan fund Wrestedt eGmuH |
| 1897 | Savings and Loan Fund Bevensen eGmuH; Savings and Loan Fund Rosche eGmuH; Savings and Loan Fund Altenmedingen eGmuH; Savings and Loan Fund Himbergen eGmuH |
| 1898 | Savings and loan fund Bienenbüttel eGmuH |
| 1902 | Savings and loan fund Altensalzwedel eGmuH; Savings and loan fund Mahlsdorf eGmuH |
| 1903 | Savings and loan fund Fleetmark and surroundings eGmuH |
| 1905 | Savings and loan fund Suhlendorf eGmuH |
| 1906 | Savings and loan fund Dambeck eGmuH |
| 1922 | Savings and loan fund Cheine-Brietz eGmuH |
Beginning of the 20th century
The predecessor institutes of today's Volksbank Uelzen-Salzwedel eG were founded in the legal form of the eGmuH (registered cooperative with unlimited liability). This was the usual form of detention at the time. Each member was liable for the bank's liabilities with their entire assets . This fact created trust, so that new members were found very quickly. However, if you wanted a loan, you had to be a member of the bank yourself. The savings and loan funds that had now emerged in many places were able to establish themselves quickly and led to the banking system and the economy as a whole experiencing an enormous upswing. The number of members grew, full-time managing directors were hired and the bank's first branches were set up. This growth was interrupted by the aftermath of the First World War. In addition, the creeping devaluation turned into total inflation. The inflation was so rapid that the printing works of the Reichsbanken were unable to meet the demand for banknotes. The money was transported in a "suitcase". As a result, the work of the bank employees also increased enormously. In Bevensen alone, two employees were busy all day counting the huge amounts of money.
In November 1923 this phase was over: the "Goldmark" or "Rentenmark" was the new means of payment. Transfer and check transactions were also introduced at the predecessor institutions of Volksbank Uelzen-Salzwedel eG in the 1920s, and machine accounting was started. In order to stimulate small savings traffic, savings books were issued for newborns. This has been maintained to this day. Every newborn receives a savings gift voucher worth € 10. In the 1930s, the general assemblies decided to transform the company into cooperatives with "limited" liability. The previous form in which all members were liable with their entire assets turned out to be out of date.
After the Second World War until German unification
After the war, the rebuilding of the bank began. New branches were opened, for example in Bad Bodenteich in 1954 . In the 1970s, electronic data processing found its way into the predecessor institutions of the bank and the cooperative associations Raiffeisen and Schulze-Delitzsch merged with one another. This paved the way for today's Volksbanks. In 1973, for example, the name of the savings and loan fund was changed to "Volksbank Bevensen eGmbH". Today's main office in Uelzen opened its doors on February 6, 1973. In 1976, the provision in the statutes was changed that loans could only be granted to members. The 80s brought the first data display devices to the bank. This made it possible to book the receipts submitted at the counter immediately and to query the new account balance via a terminal. In this decade, the first ATMs were also installed in the bank's business area. In 1987, Volksbank Ebstorf and Wrestedt merged to form Volksbank Uelzen eG; 1989 Volksbank Bevensen and Volksbank Bienenbüttel become Volksbank Bevensen eG. In the area of what was then the German Democratic Republic, politics was also reflected in the history of the bank's predecessor institutions. In 1951, the individual cooperatives in the Salzwedel district were renamed into individual local associations of mutual farmers' aid (VdgB), farmers trading cooperative (BHG). By 1976, all of the former individual cooperatives in the area of today's Altmarkkreis Salzwedel were merged to form BHG Salzwedel.
Growing together after German unification
The time after German reunification was marked by the growing together of the individual Volksbanks at the local level. On July 1, 1990, Raiffeisenbank Salzwedel eG was created, which was renamed Volksbank Salzwedel eG the following year. The Volksbanken Suhlendorf and Wieren merged in 1992 to form the Volksbank Ostkreis Uelzen eG and the new headquarters of the Volksbank Uelzen-Salzwedel eG was built on Gudesstrasse in Uelzen. In 1994 the Volksbanken Bevensen eG and Uelzen eG merged to form Volksbank Uelzen-Bevensen eG. In the same year the Volksbank Himbergen-Rosche eG emerged from the Volksbanken from Altenmedingen , Himbergen and Rosche . As early as 1996, with the merger between Volksbank Ostkreis Uelzen eG and Volksbank Salzwedel eG, the transnational step was taken, which also documents the growing together between East and West Germany. In 1999 the Volksbanken Uelzen-Bevensen eG and Himbergen-Rosche eG merged. In autumn 2003, the bank took the step to create a Volksbank for the Uelzen district and western Altmark - today's Volksbank Uelzen-Salzwedel eG was created.
Part of the cooperative financial network
Volksbank Uelzen-Salzwedel eG is part of the Volksbanken Raiffeisenbanken cooperative financial network and a member of the Federal Association of German Volksbanks and Raiffeisenbanks (BVR) and its security scheme . The stability of the cooperative financial network and the trust in the creditworthiness of its members are of decisive importance for the successful work of the German cooperative banks in competition. The BVR security scheme, together with BVR Institutssicherung GmbH, guarantees this stability and trust to a particularly high degree.
Volksbank Uelzen-Salzwedel eG works closely with companies in the Cooperative Financial Network, such as Bausparkasse Schwäbisch Hall , Union Investment , R + V Versicherung , Teambank and DZ Bank as the central institution. In the area of leasing , Volksbank Uelzen-Salzwedel works together with VR Smart Finanz . Other network partners are DZ Hyp and Münchener Hypothekenbank .
Web links
Individual evidence
- ↑ a b Master data of the credit institute at the Deutsche Bundesbank
- ↑ Facts and figures as of December 31, 2018
- ↑ Our branches at a glance. Volksbank Uelzen-Salzwedel eG, accessed on July 25, 2017 .
- ↑ Annual Report 2016. (PDF) Volksbank Uelzen-Salzwedel eG, 2017, accessed on July 25, 2017 ((PDF / 43 MB)).
- ↑ a b Articles of Association of Volksbank Uelzen-Salzwedel eG , accessed on July 25, 2017
- ↑ Imprint. Volksbank Uelzen-Salzwedel eG, accessed on July 25, 2017 .
Coordinates: 52 ° 57 ′ 54.1 ″ N , 10 ° 33 ′ 46.6 ″ E