Collaboration of German Savings Banks · 2015. 2. 1. · Apex Body •Cooperate •Note: Common...

Collaboration of German Savings Banks

Rhineland Savings Banks Association

Ghana, Kasoa, 21. August 2013

Keynote

August 2013 Dipl. oec Cuno Güttler Seite 2

Individual, Interest, Challenges, Cooperation


Common Ground/ Interest

Challenges Cooperation Individual

Keynote

august 2013 Dipl. oec. Cuno Güttler Seite 4

Common Ground

• Sharing a common ground/Interest

Labour and Economy

• 50 %

Society and Politics

•11 %

Leisure and Culture

•9 %

Education and Sciences

•10 %

Health and Social Welfare

•20 %

• 15.538 Associations in Germany

Keynote


Institution • Independent Institutions

Common Ground

• Sharing a common ground/Interest

Challenges • Facing similar challenges

Apex Body • Cooperate

• Note: Common ground defines level of cooperation

Financial Institutions in Germany


Credit Services Sector Federation

- Law and Tax Policy

- Bank Supervision

- Payment Services

- Securities Services

German Savings Banks and Giro Association

Regional Savings Banks Association

Savings Bank

Savings Bank

Regional Savings Banks Association

Savings Bank

Savings Bank

Association of Credit Unions

Regional Association of Credit Unions

Credit Union

Credit Union

Regional Association of Credit Unions

Credit Union

Credit Union

Association of Commercial Banks

Regional Commercial Bank

Commercial Bank

Association of Public Banks Public Bank

Public Bank

Association of Mortgage Lending Institution

Mortgage Lending Institution

Mortgage Lending Institution

Federal Regional Local

Federal Republic of Germany States City/District

Structure


Local presence

Regional principle

Linked to the local economy

Focused on SMEs

Providing access to financial services for everyone

Professional Bank-Management

Legal entity

Institution Common Ground

Challenges

Legislative Framework

Product Development

Training

IT-System

New Media

Public Relations

Audit

Savings Bank 1

Savings Bank 2

Savings Bank 3

Savings Bank …

Savings Bank 32

Savings Bank 33

Savings Bank 34

Apex Body: Rhineland Savings Banks Association

Tasks

august 2013 Dipl. oec Cuno Güttler Seite 8

•Financial statement

•Quality management •Reports

•Field crew

•Public relations •Legal department

•Tax department

•Basic training

•Further training

•Tutorials, seminars

•Human resource development

•International cooperation

•Equity holding

•Products

•Marketing/Distribution

•Information systems

•Risk management

Business Develop-

ment Training

Audit Advocacy

Organisational and operational structure


General Assembly

Steering Committee

President

High level strategic decisions

Managing Director

Operational decisions and preparation of strategic decisions

Member

Working Groups

Expert Committees

Main Committee Spokesman

Committee

Staff of Association

34 Savings Banks

Balance Sheet Total

Liabilities to clients

Loans to clients

156.7 107.3 111.9

Key Figures 2012 in billion €

Key Figures of Member Savings Banks


32031 Employees

1102 Branches

Holdings

• Strategic holdings

• IT-Centers

• Savings banks products

• Others

Financing

• Initial capital (580 million €)

• Yearly Budget (60 million €)

• Cost allocation

• Distribution of earnings

In total 329 staff members Legal Basis

1. German Banking Act

2. Commercial law

3. Savings Banks law in NRW

4. General administrative regulation to the

savings bank law

5. By-law of RSGV

Association – Some Facts


Business Develop-

ment 98 staff members

Training 46 staff members

Audit 23 staff members

70 people field crew

Advocacy 33 staff members

Internal services: 59 staff members

Business Development


Business Develop-

ment 98 staff members

• International cooperation

• Equity holding

• Products • Marketing/Distribution

• Information systems • Risk management

Holdings

(Book value 773.632,9 TEUR)

• Strategic holdings

• IT-Centers

• Savings banks products

• Others (e.g. Stock-exchange

Düsseldorf)

Strategic holdings

• WestLB/HeLaBa

• Provinzial

• LBS

• Deka

Savings banks products

• Deutsche Wertpapier Service

Bank

• Deutscher Sparkassen Verlag

• B + S Card Service GmbH

Others

• Stock-exchange Düsseldorf

• Rheinische

Mittelstandsakademie GmbH

By-law of RSGV

• General rules

• Bodies of the association

• Committees, Departments

• Economic conditions

Savings Banks law in NRW

• General rules (Foundation, Regional

principle, network of SBs,

contracting, organising institution,

liability)

• Administration

• Accounting and Reporting

• Merger of SBs

• Associations of SBs, Savings bank

central bank

• Supervision

Legal Basis

1. German Banking Act

2. Commercial law

3. Savings Banks law in NRW

4. General administrative regulation to the

savings bank law

5. By-law of RSGV

Advocacy


Advocacy 33 staff members

General administrative regulation to the

savings bank law

• Administrative law

• Commercial transactons

• General notifications

Training


Training 46 staff members

Training Services…

… are part of the organizational Knowledge-Management in the Savings Banks Financial Group on the following targets:

• Academical (university-related) Standard in the transmission of specific banking

knowledge and additonal orientation on practical skills

• Protection of the (implicit) practical knowledge within the organization by transfering it

between the generations of employees

• Establishment and enforcement of educational standards in the hole Savings Banks

Group: Certified Customer Service Administrator (Sparkassenfachwirt für

Kundenberatung), Business Administrator for Banking (Bankfachwirt-S), Savings Banks

Economist (Sparkassenbetriebswirt), system of specific seminars with specific degrees (e.

g. Credit Analyst)

• Specific and rapid response to current need in the Education without calling external

trainers

• Motivation and challenge for participant and trainer

•Basic training •Further training

•Tutorials, seminars •Human resource development

Audit


Audit 23 staff members

70 people field crew

Audit fields

Year-end audits

Consolidated financial statements audits

Audits of Risk Management and Organisation

Special audits

Audits directed by the financial authorities

Securities and Servicing Business Audits

Other Activities

Consulting with reference to accounting and supervision

Training of savings banks employees and of supervisory board members on banking supervisory regulations and accounting

Membership in working groups of the German Institute of Auditors (IDW)

Specialized Auditors

• Annual Account

• Cosnsolidated Financial

Statements as per HGB and

IFRS

• Risk-Management

• Credit-risk Loans

• Money Laundering

• Securities-Servicing Business

• IT-Audits

Head of Auditing Body

Audit Reports

Audit and Accounting

Specialized Auditors

Audit Field Service

Quality Management

Supervisory bodies

Federal Supervisory Body (BaFin)

German Central Bank (Bundesbank)

Federal Ministry of Finance (Finanzministerium)

Summary


Common Basis

•Business Philosophie

•Credit Unions Core Values

•Contribution to the Development

•Competition?

Common Problems

•Training

•Product Development

•Legislation

•Audit

Fields of Cooperation

•Product Development

•Audit

•Training

•Exchange of Experiences

Strategy/Action •Apex Body

• Joint Ventures

• International Collaboration

Vielen Dank! Thank you!


Collaboration of German Savings Banks · 2015. 2. 1. · Apex Body •Cooperate •Note: Common...

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