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Banking Relations

Sparkasse Hannover

About the Savings Bank

About the Savings Bank

With 13.493 bn Euro total assets in 2015, Sparkasse Hannover is one of the top ten among the 409 German Savings Banks.

Considering Moody's Corporate Family Rating of Aa2 we belong to the best rated banks in the country.

Savings Banks are institutions governed by public law, which are answerable to their municipalities. The institutions of the Savings Banks Finance Group not only cooperate closely in the market, Savings Banks, Landesbanken and central building societies also support one another by means of a joint liability scheme.

This joint liability scheme is an important factor in the stability of the German banking sector. It secures the continued existence of the institutions and, as a result, protects customer deposits without limit as to amount.
 

Financial Report

Financial Report

In millions of Euros / Number of 2011 2012 2013 2014 2015
Balance sheet total 12.574 12.724 13.276 13.601 13.493
Volume of Business 13.444 13.635 14.020 14.454 14.379
Customer loans 9.212 9.492 9.855 10.148 10.457
Liabilities to non-banks 9.325 9.734 10.141 10.432 10.891
Net interest income 282,5 266,3 282,2 286,7 256
Net commission income 73,9 76,6 75,6 76,1 79
Administrative expences 232,1 247,5 247,3 248,6 262
Earnings before valuation (DBS) 151,9 (1,18%) 118,9 (0,92%) 115,8 (0,89%) 116,4 (0,85%) 110,0
(0,80%)
Taxes on income 43,4 12,2 33,4   15 27
Net income for the year after taxes 25,0 25,0 25,0 25,0 25,0
Core capital ratio 10,6 10,6 10,7 11,0 11,6
Cost-income ratio 61,0 67,4 67,7 67,9 69,1
Number of employees 2.345 2.354 2.340 2.255 2.102
Number of employees within the Sparkasse Hannover Group 3.090 3.062 3.015 2.913 2.749
Rating

Rating

Credit Ratings of the Savings Banks Finance Group

The rating agency Moody's, the Canadian rating agency DBRS and Fitch confirm the international competitiveness of the Savings Banks Finance Group. The basis for the good results are:

  • long-established franchise in Germany's retail banking market
  • stable profitability and funding structure as well as sound capitalisation
  • sound diversification of risks within the Group using fully developed risk management instruments
  • the "Sparkasse" trade name
  • the high level of co-operation within the Savings Banks Finance Group.

All ratings fully apply to Sparkasse Hannover as member of the Savings Banks Finance Group.

Please find the credit ratings of the Savings Banks Finance Group via the following link.

Standard Settlement Instructions

Our Standard Settlement Instructions

AML

Anti-Money Laundering / Compliance

Sparkasse Hannover is supervised by the German Federal Financial Supervisory Authority (BaFin). All our policies, procedures and controls are in accordance with FATF standards.

Our understanding of compliance (german information)

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