Sparkassengruppe Österreich - Ein Überblick über Organisation und Leistung

Sparkassengruppe Österreich is a significant player in the Austrian banking sector. The group is comprised of several member banks, each with its own unique history and character.

One of the key strengths of Sparkassengruppe Österreich is its strong regional presence. With a network of branches across Austria, the group is able to provide local banking services to a wide range of customers.

The group's member banks offer a full range of banking services, from everyday accounts to investment products. This allows customers to manage all their financial needs in one place.

Sparkassengruppe Österreich is committed to providing excellent customer service, with a focus on building long-term relationships with its customers.

The Sparkassengruppe Österreich is a well-structured organization with a clear hierarchy. It consists of the Erste Bank der oesterreichischen Sparkassen, which serves as the top institution.

The group has 46 Sparkassen, each with its own set of operations and responsibilities. These Sparkassen have a significant number of subsidiaries, including the Bausparkasse der österreichischen Sparkassen and the IT Solutions.

The Österreichische Sparkassenverband represents the interests of the Sparkassen and serves as their umbrella organization. This suggests a strong sense of unity and cooperation within the group.

The group has a total of 797 Filialen, or branches, spread across all 9 Austrian Bundesländer. This extensive network allows for easy access to financial services for the public.

The Erste Group Bank AG is another key player in the Sparkassengruppe Österreich, alongside the Erste Bank der oesterreichischen Sparkassen.

The history of Sparkassengruppe Österreich is a long and fascinating one. The first Austrian Sparkassen were founded in 1819, with the Erste österreichische Spar-Casse opening in Vienna on October 4th of that year.

These early Sparkassen were established by "Menschenfreunden", which included aristocrats, clergy, high-ranking government officials, doctors, and pharmacists. They aimed to create a preventative measure against poverty and a tool for building wealth among the working population.

The Sparkassen-Regulativ of 1844 and the possibility of forming political communities in 1849 made it possible to establish community Sparkassen. This led to a surge in Sparkassen founding, with their number increasing from 26 in 1910 to 210 by 1910.

The Sparkassen became "Geldanstalten humanitären Charakters" in 1872, allowing them to conduct business with all social classes. This marked a significant shift in their purpose and scope.

The Sparkassen played a crucial role in navigating the economic challenges following World War I. The government granted them new tasks, including conducting current accounts and facilitating cashless transactions.

However, the Sparkassen faced significant difficulties during the Great Depression and World War II. Between 1938 and 1945, they had to adapt their laws to German regulations.

In Austria, Sparkassen are defined as "von Gemeinden oder Sparkassenvereinen gegründete juristische Personen des privaten Rechts" according to the Sparkassengesetz (BGBI. Nr. 64/1979).

Their legal form is unique in that they have no owners.

Since 1999, Sparkassen have had the option to outsource their business operations to an Aktiengesellschaft, and by the end of 2010, 40 institutions had taken advantage of this possibility.

In these cases, the old ownerless Sparkassen have been converted into Anteilsverwaltungssparkassen or Sparkassen-Stiftungen, with some institutions and even private individuals serving as shareholders.

The organs of a Sparkasse are the Vorstand and the Aufsichtsrat (in the case of Aktiengesellschaften) or the Sparkassenrat (in the case of the ownerless Sparkassen).

As of 2017, the total balance of Austrian savings banks, also known as Sparkassen, was a staggering 103.2 billion euros.

The primary capital of these Sparkassen was a significant 76.3 billion euros at the end of 2017.

The loans to customers, known as Kundenausleihungen, were a substantial 73.6 billion euros in the same year.

With such a large balance and loan portfolio, it's no wonder that the Sparkassen group employs a substantial workforce, with over 15,500 employees working for Erste Bank and Sparkassen.

The financial data of Austrian savings banks is quite impressive. As of December 31, 2017, the total balance sheet of Austrian savings banks was a staggering 103.2 billion euros.

The primary capital of these banks, which is essentially their core equity, stood at 76.3 billion euros at the end of 2017.

The amount of loans given to customers by these banks was 73.6 billion euros in the same year.

In terms of staffing, Austrian savings banks, including Erste Bank, employed more than 15,500 people.

Auditing is a crucial aspect of any organization, and the Sparkassengruppe is no exception. In accordance with Austrian savings bank legislation, the Sparkassengruppe relies on an in-house auditor.

The Sparkassen-Prüfungsverband, also known as the Prüfungsstelle, plays a vital role in this process. This in-house auditor works jointly with an external audit firm.

Having an in-house auditor provides a level of expertise and familiarity with the organization's operations. This can lead to more accurate and efficient audits.

The Sparkassengruppe Österreich has a network of Landesverbände, which are essentially regional associations of Sparkassen. These regional associations are made up of the Sparkassen from each Austrian state.

The Landesverbände are closely tied to the Sparkassen and play an important role in the Sparkassengruppe Österreich.

In Austria, there are several Landesverbände, which are associations of Sparkassen, or savings banks, from different federal states. Each Landesverband has its own members, with the Sparkassen-Landesverband Wien having 3 members, for example.

The Landesverband der niederösterreichischen Sparkassen has 16 members, making it one of the larger Landesverbände in the country. There are also smaller Landesverbände, such as the Landesverband der Sparkassen Kärntens, which has only 2 members.

The Sparkassen Landesverband Oberösterreichs und Salzburg has 2 members, and there are several other Landesverbände with varying numbers of members. The Sparkassen-Landesverband Tirol und Vorarlberg, for instance, has 13 members.

Our Verbpartner play a vital role in supporting our organization.

Bausparkasse AG is one of our Verbpartner, and we appreciate their collaboration.

Erste-Sparinvest KAG is another important Verbpartner, contributing to our shared goals.

The Österreichischer Sparkassenverband is also a Verbpartner, working with us to achieve common objectives.

EBV-Leasing GmbH is a Verbpartner that helps us in various ways.

We're also grateful for the support of s REAL Immobilien, one of our Verbpartner.

Vereinssparkassen were founded by Sparkassenvereins, which now only secures the organizational existence of these Sparkassen. The Vereinsversammlung and Vereinsvorsteher are the organs of the Sparkassenverein.

Vereinsmitglieder do not have personal liability for the debts of the Sparkassen.

Gemeindesparkassen, on the other hand, were established by one or more municipalities, which take on the liability for all debts as a guarantor in case of insolvency. This liability is limited by a time limit for new commitments.

The main task of the municipality is to appoint the supervisory body, either the Sparkassenrat or the Aufsichtsrat.

The Sparkassengruppe Österreich has a robust system in place to ensure the safety of its depositors' funds.

The Sparkassengruppe deposit guarantee scheme was established in 1988 and is recognized as a mandatory deposit guarantee scheme in line with Austrian and EU legislation.

This scheme is separate from the other two Austrian deposit insurance systems, but can be called upon to intervene if the other two schemes become depleted.

The Austrian state may intervene if all three schemes are depleted.

S-Haftungs GmbH, the entity operating the Sparkassengruppe deposit guarantee scheme, has been classified as part of the Austrian government sector by Eurostat for national accounts purposes.

The joint liability scheme, known as the Haftungsverbund, relies on a separate entity, Haftungsverbund GmbH, which overlaps with the institutional guarantee scheme.

Erste Group controls 64 percent of Haftungsverbund GmbH directly or indirectly, and likewise with Sparkassen-Haftungs GmbH.

The Haftungsverbund replaced an earlier regime of guarantee of the municipal savings banks by the relevant municipalities, which was phased out from 2003 onwards.

The Haftungsverbund is a voluntary agreement between Erste Group Bank AG and all Austrian Sparkassen, with a core focus on a Frühwarnsystem that recognizes potential economic problems and takes measures to counter them.

The Haftungsverbund ensures the solvency of Sparkassen and prevents compensation claims.

The Haftungsverbund has several key tasks, including establishing a uniform business and market policy, and implementing a Frühwarnsystem to identify potential economic problems.

This cooperation within the Sparkassengruppe also offers benefits to customers, including a comprehensive range of financial services and a unified technical progress within the Sparkassengruppe.

The Austrian Sparkasse Group has made headlines for winning the Recommender Award, a prestigious recognition for outstanding customer orientation. The award is given annually by the Finanz-Marketing Verband Österreich (FMVÖ) to the best banks and insurance companies in Austria.

The Österreichische Sparkassengruppe was the sole winner in the Banksektoren category, beating out other contenders to take home the prize. They were awarded the "Gütesiegel für hervorragende Kundenorientierung" (Quality Seal for Outstanding Customer Orientation).

Franz Portisch, Generalsekretär des Österreichischen Sparkassenverbandes, credits the group's success to the engagement of their employees. He notes that the Sparkassen are unique in their ability to make decisions locally, rather than in a central headquarters.

Here are the winners in the different categories:

The Recommender Award uses the Net Promoter Score (NPS) method to evaluate customer satisfaction and loyalty. This involves surveying 9,000 customers of banks, insurance companies, and savings banks.

Die Sparkassengruppe Österreich ist Teil eines Verbunds, der auch Erste Bank umfasst.

Die Erste Bank und Sparkassen arbeiten zusammen, um ihre Kunden zu unterstützen.

Hier finden Sie Informationen über unsere Verbundpartner.

The Sparkassengruppe Österreich is a fascinating topic, and I'd like to start by saying that their history dates back to 1 July 2025, according to the Sparkassen-Finanzgruppe Deutscher Sparkassen- und Giroverband.

The Sparkassengruppe Österreich is a significant player in the Austrian financial sector, with Erste Group being a notable entity within the group. In fact, Erste Group is one of the largest banks in Austria, with a long history dating back to the 19th century.

The group's organization is complex, with various entities working together to provide financial services to the public. For example, the Girozentrale is a key institution within the group, responsible for managing the group's financial operations.

Here's a brief overview of some of the key entities within the Sparkassengruppe Österreich:

The Sparkassengruppe Österreich has a strong presence in Austria, with a significant number of branches and employees across the country. In fact, the group's headquarters is located in Vienna, the capital city of Austria.

The group's financial performance is closely monitored by regulatory bodies, including the European Central Bank. According to the European Central Bank's list of supervised entities, the Sparkassengruppe Österreich is subject to regular audits and inspections to ensure compliance with financial regulations.

Overall, the Sparkassengruppe Österreich is a complex and multifaceted organization, with a rich history and a significant presence in the Austrian financial sector.

The Österreichische Sparkassenverband is the voice of Austrian Sparkassen, representing their interests in Austria and the EU. It's the umbrella organization for the Austrian Sparkassengruppe.

The Sparkassenverband is the strategic platform for both political representation and internal interest mediation. It also provides advisory and service functions for Sparkassen.

The European Affairs department in Brussels advocates for the interests of Austrian Sparkassen at national, European, and international levels. They proactively address issues with the European Commission and Parliament.

Since April 1, 2018, Amrit Rescheneder has been leading the Brussels office. The Sparkassenverband also serves as the industry association for Sparkassen, handling collective labor agreements with the GPA-djp trade union.

The Sparkassenverband offers services on law and data management, providing information and advice on service, tax, and banking law. They're also responsible for the public relations work of the Sparkassengruppe and support regional press work by Sparkassen.

The Österreichische Sparkassenverband actively campaigns against cash restrictions.

The Erste Bank and Sparkassen are deeply connected, with the Erste Group Bank AG serving as the holding company for the Sparkassengruppe. This connection enables the Sparkassengruppe to offer a wide range of financial services to its customers.

The Sparkassengruppe has undergone significant changes over the years, with a major restructuring taking place in the 1990s. This restructuring led to the formation of the Erste Group Bank AG, which serves as the holding company for the Sparkassengruppe.

In 1997, the Zentralsparkasse der Gemeinde Wien merged with the Creditanstalt, leaving the Sparkassenorganisation. The Erste österreichische Spar-Casse, on the other hand, merged with the Girozentrale and became the Erste Bank.

The Sparkassengruppe has also formed a Haftungsverbund, which is a voluntary agreement between the Erste Group Bank AG and all Austrian Sparkassen. This agreement provides a safety net for the Sparkassen, ensuring their solvency and preventing potential compensation claims.

The Haftungsverbund has several key objectives, including establishing a unified business and market policy for the Sparkassengruppe. This policy encompasses areas such as planning and development, the use of sector products and services, and the coordination of marketing efforts.

The Sparkassengruppe Österreich's founding idea is rooted in community service, not profit maximization. This unique approach sets them apart from other financial institutions.

The first Sparkasse was founded in 1819 in Austria, and its purpose was to provide financial security to all social classes, including those who were less fortunate. This goal is still at the heart of the Sparkassengruppe's mission today.

The Sparkassengruppe is actively involved in promoting cultural, sporting, and social activities in their regions, investing around 21.2 million euros annually. Their strong regional presence creates a sense of trust and responsibility among their customers.

The Sparkassengruppe has a decentralized structure, which is a stabilizing factor in the financial market. This allows them to make decisions locally and respond quickly to market changes.

The Haftungsverbund, a safety net agreement between Erste Bank and the Sparkassen, ensures the solvency of the Sparkassen and protects against potential losses. This agreement includes a Frühwarnsystem that identifies potential economic problems and takes corrective action early on.