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Sparda-Bank
The Sparda-Banks in Germany are eleven cooperative banks which are consolidated in the Verband der Sparda-Banken e. V. (Union of Sparda-Banks). Traditionally they are specialized in the retail banking business. The eleven, legally independent banks operate according to the regional principle, which means that each bank is responsible for a set business area and only accepts customers from that area. Development The oldest Sparda-Bank was founded on 6 May 1896 as Spar- und Vorschuss-Verein der badischen Eisenbahn beamten (Savings and Imprest Association of the Baden Railroad Officials) in Karlsruhe. Based on this model equal cooperatives were founded in other places, which, in the spring of 1906, consolidated in the Revisionsverband der Eisenbahn-Spar- und Darlehnskassen (Revision Federation of the Railroad Savings and Loan Associations) in Kassel. In 1969 the railroad savings banks were opened for staff of other public services and in 1974 for all employees (steady income in the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Sparda Bank 2003 Logo , a group of German and Austrian cooperative banks
{{disambiguation ...
Sparda may refer to: * Sparda, the Old Persian name for Lydia * Sparda (Devil May Cry), a video game character * Sparda-Bank The Sparda-Banks in Germany are eleven cooperative banks which are consolidated in the Verband der Sparda-Banken e. V. (Union of Sparda-Banks). Traditionally they are specialized in the retail banking business. The eleven, legally independent ban ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Hannover
Hanover (; german: Hannover ; nds, Hannober) is the capital and largest city of the German States of Germany, state of Lower Saxony. Its 535,932 (2021) inhabitants make it the List of cities in Germany by population, 13th-largest city in Germany as well as the fourth-largest city in Northern Germany after Berlin, Hamburg and Bremen. Hanover's urban area comprises the towns of Garbsen, Langenhagen and Laatzen and has a population of about 791,000 (2018). The Hanover Region has approximately 1.16 million inhabitants (2019). The city lies at the confluence of the River Leine and its tributary the Ihme, in the south of the North German Plain, and is the largest city in the Hannover–Braunschweig–Göttingen–Wolfsburg Metropolitan Region. It is the fifth-largest city in the Low German dialect area after Hamburg, Dortmund, Essen and Bremen. Before it became the capital of Lower Saxony in 1946, Hannover was the capital of the Principality of Calenberg (1636–1692), the Electorat ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Banks Of Germany
A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Because banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but in many ways functioned as a continuation of ideas and concepts of credit and lending that had their roots in the anc ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Euro
The euro ( symbol: €; code: EUR) is the official currency of 19 out of the member states of the European Union (EU). This group of states is known as the eurozone or, officially, the euro area, and includes about 340 million citizens . The euro is divided into 100 cents. The currency is also used officially by the institutions of the European Union, by four European microstates that are not EU members, the British Overseas Territory of Akrotiri and Dhekelia, as well as unilaterally by Montenegro and Kosovo. Outside Europe, a number of special territories of EU members also use the euro as their currency. Additionally, over 200 million people worldwide use currencies pegged to the euro. As of 2013, the euro is the second-largest reserve currency as well as the second-most traded currency in the world after the United States dollar. , with more than €1.3 trillion in circulation, the euro has one of the highest combined values of banknotes and coins in c ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
CashPool
CashPool is a cooperation of a multitude of smaller or virtual German private banks, in which they mutually waive ATM usage fees for their customers. It is not an interbank network but uses the pre-existing German ATM or Maestro/Cirrus networks. With more than 3200 ATMs, the cooperating banks' ATM networks form the smallest ATM group in Germany. The cooperation was founded in 2000. Its primary competitor in Germany is Cash Group. Background Most banks in Germany, while connected through the German ATM network, charge ATM usage fees for customers of other banks. In 1998, the six largest German private banks established Cash Group, mutually waiving these fees within the Group. After the formation, other private banks tried to join Cash Group but were not accepted into the Group. Being smaller than the six large private banks, they operated fewer ATMs and thus would have unilaterally benefited from the use of the other bank's larger networks. As a consequence, several of t ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bundesverband Der Deutschen Volksbanken Und Raiffeisenbanken
The National Association of German Cooperative Banks (german: Bundesverband der Deutschen Volksbanken und Raiffeisenbanken, BVR) is the umbrella association for the German Cooperative Financial Group. Its origins go back to 1864 as . As of 2015 it had 1,021 members, which represents all the cooperative banks in Germany, including local cooperative banks, PSD banks, Sparda banks, Church banks and Cooperative financial institutions. The BVR represents the interests of the German Cooperative Financial Institutions at both national and international levels and coordinates and develops the joint strategy within the Network. The BVR advises and supports his members on legal, taxation, and business management issues. The Cooperative Financial Group's institutional protection scheme is Germany's oldest deposit guarantee scheme for banks and is run by the BVR. The BVR informs its member banks on economic and political developments and publishes the “Bank-Information” newsletter. Eu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Cologne
Cologne ( ; german: Köln ; ksh, Kölle ) is the largest city of the German western States of Germany, state of North Rhine-Westphalia (NRW) and the List of cities in Germany by population, fourth-most populous city of Germany with 1.1 million inhabitants in the city proper and 3.6 million people in the Cologne Bonn Region, urban region. Centered on the left bank of the Rhine, left (west) bank of the Rhine, Cologne is about southeast of NRW's state capital Düsseldorf and northwest of Bonn, the former capital of West Germany. The city's medieval Catholic Cologne Cathedral (), the third-tallest church and tallest cathedral in the world, constructed to house the Shrine of the Three Kings, is a globally recognized landmark and one of the most visited sights and pilgrimage destinations in Europe. The cityscape is further shaped by the Twelve Romanesque churches of Cologne, and Cologne is famous for Eau de Cologne, that has been produced in the city since 1709, and "col ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Wuppertal
Wuppertal (; "''Wupper Dale''") is, with a population of approximately 355,000, the seventh-largest city in North Rhine-Westphalia as well as the 17th-largest city of Germany. It was founded in 1929 by the merger of the cities and towns of Elberfeld, Barmen, Ronsdorf, Cronenberg and Vohwinkel, and was initially "Barmen-Elberfeld" before adopting its present name in 1930. It is regarded as the capital and largest city of the Bergisches Land (historically this was Düsseldorf). The city straddles the densely populated banks of the River Wupper, a tributary of the Rhine called ''Wipper'' in its upper course. Wuppertal is located between the Ruhr (Essen) to the north, Düsseldorf to the west, and Cologne to the southwest, and over time has grown together with Solingen, Remscheid and Hagen. The stretching of the city in a long band along the narrow Wupper Valley leads to a spatial impression of Wuppertal being larger than it actually is. The city is known for its steep ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Essen
Essen (; Latin: ''Assindia'') is the central and, after Dortmund, second-largest city of the Ruhr, the largest urban area in Germany. Its population of makes it the fourth-largest city of North Rhine-Westphalia after Cologne, Düsseldorf and Dortmund, as well as the ninth-largest city of Germany. Essen lies in the larger Rhine-Ruhr Metropolitan Region and is part of the cultural area of Rhineland. Because of its central location in the Ruhr, Essen is often regarded as the Ruhr's "secret capital". Two rivers flow through the city: in the north, the Emscher, the Ruhr area's central river, and in the south, the Ruhr River, which is dammed in Essen to form the Lake Baldeney (''Baldeneysee'') and Lake Kettwig (''Kettwiger See'') reservoirs. The central and northern boroughs of Essen historically belong to the Low German ( Westphalian) language area, and the south of the city to the Low Franconian ( Bergish) area (closely related to Dutch). Essen is seat to several of the region's ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Regensburg
Regensburg or is a city in eastern Bavaria, at the confluence of the Danube, Naab and Regen rivers. It is capital of the Upper Palatinate subregion of the state in the south of Germany. With more than 150,000 inhabitants, Regensburg is the fourth-largest city in the State of Bavaria after Munich, Nuremberg and Augsburg. From its foundation as an imperial Roman river fort, the city has been the political, economic and cultural centre of the surrounding region; it is still known in the Romance languages by a cognate of its Latin name of "Ratisbona" (the version "Ratisbon" was long current in English). Later, under the rule of the Holy Roman Empire, it housed the Perpetual Diet of Regensburg. The medieval centre of the city was made a UNESCO World Heritage Site in 2006 because of its well-preserved architecture and the city's historical importance for assemblies during the Holy Roman Empire. In 2014, Regensburg was among the top sights and travel attractions in Germany. Histor ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bavaria
Bavaria ( ; ), officially the Free State of Bavaria (german: Freistaat Bayern, link=no ), is a state in the south-east of Germany. With an area of , Bavaria is the largest German state by land area, comprising roughly a fifth of the total land area of Germany. With over 13 million inhabitants, it is second in population only to North Rhine-Westphalia, but due to its large size its population density is below the German average. Bavaria's main cities are Munich (its capital and largest city and also the third largest city in Germany), Nuremberg, and Augsburg. The history of Bavaria includes its earliest settlement by Iron Age Celtic tribes, followed by the conquests of the Roman Empire in the 1st century BC, when the territory was incorporated into the provinces of Raetia and Noricum. It became the Duchy of Bavaria (a stem duchy) in the 6th century AD following the collapse of the Western Roman Empire. It was later incorporated into the Holy Roman Empire, became an ind ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Nuremberg
Nuremberg ( ; german: link=no, Nürnberg ; in the local East Franconian dialect: ''Nämberch'' ) is the second-largest city of the German state of Bavaria after its capital Munich, and its 518,370 (2019) inhabitants make it the 14th-largest city in Germany. On the Pegnitz River (from its confluence with the Rednitz in Fürth onwards: Regnitz, a tributary of the River Main) and the Rhine–Main–Danube Canal, it lies in the Bavarian administrative region of Middle Franconia, and is the largest city and the unofficial capital of Franconia. Nuremberg forms with the neighbouring cities of Fürth, Erlangen and Schwabach a continuous conurbation with a total population of 800,376 (2019), which is the heart of the urban area region with around 1.4 million inhabitants, while the larger Nuremberg Metropolitan Region has approximately 3.6 million inhabitants. The city lies about north of Munich. It is the largest city in the East Franconian dialect area (colloquially: "F ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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