Kreissparkasse Cologne – Wikipedia
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| Stands | Germany  |
| Seat | Neumarkt 18-24 50667 Cologne |
| legal form | Institute of public right |
| Bank code | 370 502 99 [first] |
| BIC | COKS DE33 XXX [first] |
| Mortgage | Rheinischer Sparkassen- und Giro |
| Website | www.ksk -koeln.de |
| Business data 2021 [2] | |
| Total assets | 29.171 billion euros |
| insoles | 22.643 billion euros |
| Customer loan | 22.234 billion euros |
| Employees | 3.714 |
| Branches | 172 |
| Management | |
| Board of Directors | Frank Rock, chairman |
| board of directors | Alexander Wüerst, chairman |
| List of savings banks in Germany | |
The Kreissparkasse Cologne (KSK Cologne) is a German savings bank based in Cologne at Neumarkt 18–24. Your sponsor is a special -purpose association and not, as your name suggests, the Cologne district that is no longer existing. It is therefore a special purpose association.
The “Sparkasse for the mayor’s Wipperfürth” is the oldest right -wing legacy of today’s Kreissparkasse Cologne (KSK Köln), which will take up her work on September 20, 1853. As a result, she enlarged the business area through mergers and transmissions in the region. The “Kreissparkasse Mülheim am Rhein”, which has existed since 1856, merged with effect from January 1, 1923 with the “Spar and Loan Cassnoy of the Cologne district”, which has existed since February 1, 1869, the “Kreissparkasse of the Cologne and Mülheim district” in the form of a special purpose association . Their first financial year was marked by the collapse of the German currency and introduction of the pension mark on November 15, 1923. [3] The Wipperfürther Sparkasse merged in 1928 with the new special purpose association. The KSK Cologne also had to go through the most sustainable impairment of its business by the German banking crisis in 1931. The deposit deduction forced the KSK Cologne to largely hire its lending business. [4] In December 1932, a new special association statute was issued, the members of which remained unchanged until the area reform in January 1975. With the dissolution of the districts of Mülheim am Rhein and Wipperfürth, the new “Rheinisch-Bergische Kreis” was built on August 1, 1932 as a member of the Sparkassenpolle Association, the statutes of which came into force on December 1, 1932. During the time of National Socialism, the “iron saving” was also propagated at the KSK Cologne from 1941.
After the Second World War, Cologne occupied on March 5, 1945, the main area was closed, the most important documents of which were temporarily underneath in the Minden district office. As early as April 1945, the military government approved the resumption of the business operations of the KSK Cologne. After the Korea crisis in September 1950, constant deposit growth began because increasing employment and real income contributed to saving. At the same time, the lending business improved through increasing construction financing and commercial loans for Cologne SMEs. The new building planned by Walter Dietz of the headquarters of the Kreissparkasse in Neumarkt No. 16–24 was partially related in 1950, in 1952. In November 1953, the extended treasurer with the famous Cologne-Wasser-Water fountain designed by Eduard Schmitz was put into operation, and at the same time the second Cologne Cinema Aki opened in No. 16 with 313 places. In 1961, the KSK Cologne was the first savings bank to introduce the “acquisition loan” for consumption purposes [5] And thus added the classic partial payment loan. In 1968 she founded the Rheinische Gewerbebau Köln GmbH To finance commercial construction work, the first real estate fund was created together with WestLB in 1972. In 1985 the KSK Cologne participated in the Information technology center Cologne mbH (Itz) and Muk capital participation company For medium -sized companies that are not capital marketable. In 1986, the cooperation was intensified in the field of commercial middle class credit business with the WestLB Cologne [6] in the form of community loans. In 1987 the KSK Cologne introduced the Electronic Banking for medium -sized companies.
Area changes due to the regional reform in North Rhine-Westphalia led to significant transmissions of branches. [7] Due to the regional reform of January 1975, the KSK lost 26 branches to the Cologne Stadtsparkasse; This “Cologne Act” brought the resolution of the former districts of Cologne and Bergheim, which were opened in the Erftkreis. The transfer of the branches now outside the warranty area was ordered on June 30, 1983 by the Sparkasse supervision. The Oberbergische Kreis became a member of the Sparkassenpolle Association in January 1985, which opened the Kreissparkasse Waldbröl in the KSK Cologne; In December 1988, the KSK Köln received eight branches of the Kreissparkasse Euskirchen. The other mergers with the Stadtsparkasse Burscheid (June 1996), the Stadt-Sparkasse Leichlingen (August 2002), the Kreissparkasse in Siegburg (January 2003) and the Sparkasse Hennef (May 2006) were not based on area reforms. In total, six district savings banks, seven city parks and nine municipal societies rose in the Zweckverbandsparkasse “Kreissparkasse Cologne”. Today’s special-purpose association consists of the Rhein-Erft district, the Rheinisch-Bergische Kreis, the Oberbergische Kreis and the Rhein-Sieg-Kreis. The closure of branches announced in June 2018 reduced the number of 158 to 113. Due to the merger with the Stadtsparkasse Bad Honnef in August 2019, four branches were added. [8]
Legal basis [ Edit | Edit the source text ]
As a credit institution, the KSK Cologne is subject to the KWG, and as a Sparkasse it has the provisions of the Sparkassengesetz North Rhine-Westphalia (SPKG NRW) [9] to fulfill. The statutes of the special -purpose association and the Sparkasse statute are also decisive. The KSK Köln has a fully banking license of BaFin under the number 100871 [ten] And may therefore operate all banking transactions with all customer groups. While the aforementioned regulations generally regulate the business activities of the savings banks, the legal relationship of the savings banks and their customers are regulated by the general terms and conditions of the credit institutions, specifically at the KSK by their terms and conditions. [11]
organs [ Edit | Edit the source text ]
Organs of the KSK Cologne are:
- Board of Directors: According to § 4 of the articles of association, the board of directors consists of the chairman and another 23 members. According to § 15 SPKG NRW, he determines the guidelines of business policy, appointed and appoints board members, notes the annual financial statements and performs further tasks.
- Board: The Board of Directors of the KSK Cologne heads the Sparkasse on its own responsibility and represents the Sparkasse in court and out of court (§ 20 SPKG NRW). According to § 5 of the articles of association, it consists of five members and two deputy members.
Business area and regional principle [ Edit | Edit the source text ]
The business area of the Kreissparkasse Cologne generally includes the area of the Zwecksverbandkreis. However, there are smaller savings banks, in the area of which the KSK Cologne may not maintain any offices:
- In the Rheinisch-Bergische Kreis
Within the city of Cologne, which belongs to the business area of Sparkasse Kölnbonn, the Kreissparkasse maintains its main office and two branches for historical reasons.
Deposit protection [ Edit | Edit the source text ]
Due to the elimination of the warranty liability by the Brussels Concordance of July 2001, the creditors of all German savings banks were the subsidiary and unlimited liability of the respective municipal sponsors. The KSK Köln is now-like all savings banks and state banks-under the S-Finanzgruppe to protect an deposit guarantee fund that, as with the comparable security facilities of the private banking industry or the cooperative sector, takes on a financial crisis in the support trap from bankruptcy. The S-Finanzgruppe ensures that the deposits of all customers, including the commercial, at the Kreissparkasse Köln are 100% secure without a contractual limit.
As part of its public mandate, KSK Cologne is obliged to promote the economic and social progress of broad population circles and the medium-sized economy as well as to support municipalities and other public bodies in the Cologne economic area. With financial services from investment to asset advice to corporate financing in all branches, the KSK Cologne in the region offers a nationwide offer. Cooperation with the members of the S-Finanzgruppe ensures that KSK Köln can also offer or mediate financial products (such as leasing, factoring, real estate funds, building society business or insurance).
The KSK Cologne has been represented on the Internet since 1995. At that time she was the first German Sparkasse with her own website. First, internet users were only able to call up information about the Sparkasse and the economic development. Internet banking by customers has been possible since 1998. Since 2004, visually impaired and blind people have been able to use the website and internet banking. The Kreissparkasse together with the Sparkasse Kölnbonn , to the Blind and visually impaired association Cologne and developed a specialized service company.
Depending on the region, the KSK Cologne has a high customer range of 63%. The magazine “Foundation Finanztest” examined 21 credit institutions in 147 consultations in 147 consultations, of which Commerzbank, the KSK Cologne and the Berlin Sparkasse section best. [twelfth] As one of the largest savings banks in Germany, she offers the complete spectrum of financial services in her nationwide sales network with its partners of the Sparkassen-Finanzgruppe. Since September 2012, however, the KSK Köln has closed 43 branches to replace them with self -service machines and 4 mobile branches in the area.
The Kreissparkasse Cologne has been a reliable sponsor of non -profit initiatives for decades. The Sparkasse 2021 supported over 2,000 campaigns and projects from a wide variety of areas of society with EUR 4 million from donations, funding from “PS savings and profits” as well as distributions of the 14 Sparkasse’s own foundations. [13] The Kreissparkasse Cologne is the bearer of the Käthe Kollwitz Museum, [14] that is based on the Cologne Neumarkt.
For around 40 years, the foundations of the Kreissparkasse Cologne have been promoting charitable purposes in the four counties of the Kreissparkasse Cologne business area: the Rhein-Erft-Kreis, the Rhein-Sieg-Kreis, the Rheinisch-Bergische Kreis and the Oberbergische Kreis. The foundations are important impulse and sponsors-oriented commitment in the social field, education, in sports, in child and youth promotion, in culture as well as in nature and environmental protection. [15]
In addition to foundations that promote projects for non -profit corporations, there are also operational foundations that implement their own projects. For example, the Kreisparkassen Foundation organizes its own concert series in the Rhein-Sieg district every year, the highly gifted foundation offers multi-day academies for elementary school students (children’s academies) and high school students (summer academies). The Education Foundation implements its own project from reading promotion to digital education.
The cultural and environmental foundation and the Cologne Cultural Foundation were the first foundations of the Kreissparkasse Cologne in 1983. Over the years, twelve other foundations came, including In the course of mergers with other savings banks. The oldest foundation “Kreissparkasse – for us Pänz” was founded in 1979 by the Kreissparkasse in Siegburg, which was integrated into the current foundation family by the merger with the Kreissparkasse Cologne. For the 10th anniversary of the 2008 High Gegen Foundation, an alumni club was founded from the former participants in the summer academies around the founding chairman Michael Stachowski. [16]
Every year the legally independent foundations promote around 500 projects. [17] Since the beginning of the foundation’s work, a total of around EUR 56 million has been released, the total foundation capital is EUR 76,982 million (as of December 31, 2021). The Kreissparkasse Cologne is one of the most active savings banks in the Federal Republic of Germany. [18]
The foundations are a member of the Federal Association of German Foundations and in the Cologne Foundations Association e.v.
The foundations of the Kreissparkasse Cologne
| Name | founding | Purpose | Funding area |
|---|---|---|---|
| Kreissparkasse Foundation – for us Pänz | 1979 | Promotion of children and adolescents. | Rhein-Sieg-Kreis |
| Cultural and environmental foundation | 1983 | Promotion of cultural and environmental projects. | Rhein-Erft-Kreis, Rheinisch-Bergischer Kreis and Oberbergischer Kreis |
| Cologne Cultural Foundation | 1983 | Promotion of the Handsic-theaters , of the Cologne City Museum , of the Rautenstrauch-Joest Museum , of the Roman-Germanic museum , of the Museums Schnütgen as well as the Cologne Zoos . | Cologne |
| Culture Foundation Oberberg | 1984 | Promotion of culture and monument preservation. | Oberbergischer Kreis |
| Sports foundation | 1992 | Promotion of width and young sports. | Rhein-Erft-Kreis, Rheinisch-Bergischer Kreis and Oberbergischer Kreis |
| Social foundation | 1995 | Promotion of youth and elderly help, the welfare system and charitable purposes. | Rhein-Erft-Kreis, Rheinisch-Bergischer Kreis and Oberbergischer Kreis |
| District Sparkassen Foundation for the Rhein-Sieg-Kreis | 1995 | Promotion of culture, environmental protection and sport. | Rhein-Sieg-Kreis |
| Burscheid Foundation | 1996 | Promotion of culture, environmental protection, sport and social projects. | Burscheid urban area |
| High gifted foundation | 1998 | Promotion of education and education. | Rhein-Erft-Kreis, Rheinisch-Bergischer Kreis, Oberbergischer Kreis and Rhein-Sieg-Kreis |
| Cities and municipal foundation of the Kreissparkasse Cologne in the Rhein-Sieg-Kreis | 2003 | Promotion of culture, environmental protection, sport and social projects. | Rhein-Sieg-Kreis |
| Hennef Foundation | 2006 | Promotion of culture, environmental protection, sport and social projects. | City of Hennef |
| Leichlingen Foundation | 1993/2008 | Promotion of culture, environmental protection, sport and social projects. | City area Leichlingen |
| Bildungsstiftung | 2010 | Promotion of education and education. | Rhein-Erft-Kreis, Rhein-Sieg-Kreis, Rheinisch-Bergischer Kreis, Oberbergischer Kreis |
| Bad Honnef Foundation | 2019 | Promotion of culture, environmental protection, sport and social projects. | Bad Honnef |
Against the background of the loss of warranty liability, the KSK Cologne and the Cologne Stadtsparkasse Cologne started to be assessed by rating agencies, [19] Since a saving of savings cassage of the refinancing costs of 0.09% of the balance sheet total at the KSK Cologne could be cope with. The reason was the exposure to the warranty liability caused by the Brussels concordance in favor of the savings banks.
With a total of almost 24 billion euros, a business area of 3650 km², 207 branches and 4,000 employees, KSK Köln is the third largest Sparkasse in Germany. She has always understood herself as a medium -sized Sparkasse. So she is a leader in NRW when conveying funding loans (by KfW and NRW.Bank). This is also expressed in the loan volume, which is 51% on corporate customers and 37% of private customers (2013). The deposits and securities stocks, on the other hand, belong to 54% private investors and 44%. The gross interest rate span was 3.3% in 2013 and the net interest rate span, while Sparkasse Kölnbonn reached interest rates of 3.4% and 1.5% with a total of EUR 28.7 billion. For the individual institute KSK Köln, there is a regulatory total capital rate of 13.05% with a core capital ratio of 10.91% (2013).
Kölsche Evergreens / Kölsche Heimat [ Edit | Edit the source text ]
Since 1973 the Kreissparkasse Cologne published the Cologne Evergreens , a collection of songs and over Cologne. By 2014, 17 records, 21 CDs, two videos and a mixed mode CD-ROM have been released. The Cologne Evergreens were spent on customers as giveaways and could not be purchased. An exception was in 2003 with the Megabox Made, which included songs from 150 years. A third of the sales proceeds went to Lebenshilfe, which supports mentally handicapped people.
In 2015 the series was made by the new publication Cologne home replaced.
Famous board [ Edit | Edit the source text ]
Book author Manuel Falter (born July 18, 1904 in Cologne) is the best -known board of the KSK Cologne, his book The practice of the credit business (1950) belongs to the standard works of banking management.
See also [ Edit | Edit the source text ]
- Annual reports since 1999 as PDF files on the Kreissparkasse website
- Jubilee 150 years Kreissparkasse Cologne 1853–2003. Publisher: Board of the Kreissparkasse Cologne (without ISBN)
- Chronik 150 years Kreissparkasse in the Rhein-Sieg-Kreis 1854–2004. Editor: Kreissparkasse Cologne (without ISBN)
- Konrad Rüdelstein/Ingo Ellgering: No future without origin. Colleagues remember their professional years in the Kreissparkasse Cologne. A font from the Kreissparkasse Cologne. Completed 8/2000 (without ISBN)
- From the meaning of giving. Publisher: Cultural foundations of the Kreissparkasse Cologne. 10/96. ISBN 3-930054-26-4
- O. A.: “The Cultural Foundations of the Kreissparkasse Cologne” in Rheinisch-Bergischer Kalende 1986, pp. 117, ISBN 3-87314-156-6
- ↑ a b base data of the credit institution at the Deutsche Bundesbank
- ↑ Sparkasse ranking 2021. (PDF; 65 kb; 9 pages) in: Financial group of German Sparkassen and Giroverband. Dsgv.de, 21. May 2022, accessed on May 21, 2022 .
- ↑ His pohl, Economy, company, credit system , 2005, S. 1083.
- ↑ KSK Cologne, Annual report 1931 , S. 4.
- ↑ His pohl, The Rheinische Sparkassen , 2001, S. 261.
- ↑ KSK Cologne, Annual report 1986 , S. 26.
- ↑ His pohl, Economy, company, credit system , 2005, S. 1105.
- ↑ As of August 1, 2019, KSK Köln took over the Stadtsparkasse Bad Honnef, whose branches passed the KSK Cologne. Source: Stadtsparkasse: Also a special purpose association today gave the green light for fusion Accessed on December 19, 2018
- ↑ right.nrw.de, Sparkassengesetz
- ↑ List of approved credit institutions of December 15, 2014 ( Memento of the Originals from December 24, 2015 in Internet Archive ) Info: The archive link has been used automatically and not yet checked. Please check original and archive link according to the instructions and then remove this note. @first @2 Template: Webachiv/Iabot/www.bafin.de , Bafin
- ↑ GB of the KSK Cologne , As of March 2014.
- ↑ Paul Andrä, Financial service provider: A critical assessment of the quality of advice , 2012, S. 18
- ↑ Kreissparkasse Köln looks confidently into the future , on localklick.eu accessed on May 24, 2022
- ↑ Käthe Kollwitz Museum , on muskoeln.de
- ↑ Foundations , on ksk-koeln.de, accessed on May 24, 2022
- ↑ Independent communications, December 2008
- ↑ Kreissparkasse Cologne supports volunteering in the district. December 28, 2021, accessed on May 26, 2022 .
- ↑ Social Foundation of the Kreissparkasse Cologne , on Sparkassenstiftungen.de, accessed on May 24, 2022
- ↑ Oliver Everling / Karl-Heinz GoesCKEMEY, Bankenrating: Credit institutions on the test bench , 2004, S. 16.
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