Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is a private building and loan association (de: Bausparkasse) providing real estate financing products to natural persons.

Bank Category

Private building and loan associations (Private Bausparkassen)

Services

Retail Banking

Financials

Total Assets (2017)
66 151.74 mln EUR  (+3.80%)

In 2017 total assets of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken were 66 151,74 mln EUR.

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is AA- (very high credit quality).

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken participates in deposit guarantee scheme of Germany. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Member of Group

 DZ Bank (Germany)

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is a member of DZ Bank (Germany).

Contacts

Crailsheimer Straße 52, 74523, Schwäbisch Hall, Germany
0791/46 0
0791/46 26 28

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is headquartered in Schwäbisch Hall.

Bank Identifiers

BIC (SWIFT)
BSHHDE6SXXX
MFI ID
DE07803

Business Summary

Business Focus
financing housing (acquisition, construction or renovation of a home) in EU and EEA member states
Services
retail banking
Products
savings accounts
mortgage loans
Eligible Clients
natural persons (of any country of residence)

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is focused on financing housing (acquisition, construction or renovation of a home) in EU and EEA member states. Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken provides services in the area of retail banking. The range of products offered by Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken includes savings accounts, mortgage loans. Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken makes its solutions available to natural persons (of any country of residence).

Financial Positions

Total Assets (2017)
66 151.74 mln EUR  (+3.80%)

In 2017 total assets of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken were 66 151.74 mln EUR. Growth compared to the previous period (2016) was 3.80%. The evolution of the total assets of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is shown at Chart 1 below.

Total Assets of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken.

Chart 1. Total Assets of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken.

Market Share and Rank (among banks in Germany)

Total Assets (2016)
19th (market share 0.90%)

In 2016 Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken was ranked the 19th largest bank in Germany in terms of total assets, having 0.90% of the domestic market share.

Market share of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken (among banks in Germany)

Chart 2. Market share of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken (among banks in Germany)

Several banks having the market shares and ranks closest to Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken are shown below.

RankNameTotal AssetsMarket Share
18 Landeskreditbank Baden-Württemberg - Förderbank -75075.39 mln EUR1.06%
19 Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken63732.29 mln EUR0.90%
20 Volkswagen Bank GmbH60671.30 mln EUR0.86%
 

Market Share and Rank (among Private building and loan associations (Private Bausparkassen) in Germany)

Total Assets (2016)
1st (market share 41.75%)

In 2016 Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken was ranked the 1st largest private building and loan associations (private bausparkasse) in Germany in terms of total assets, having 41.75% of the category's market share.

Market share of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken (among Private building and loan associations (Private Bausparkassen) in Germany)

Chart 3. Market share of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken (among Private building and loan associations (Private Bausparkassen) in Germany)

Several private building and loan associations (private bausparkassen) having the market shares and ranks closest to Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken are shown below.

RankNameTotal AssetsMarket Share
1 Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken63732.29 mln EUR41.75%
2 BHW Bausparkasse AG31744.04 mln EUR20.80%
3 Wüstenrot Bausparkasse AG20780.16 mln EUR13.61%
 

Credit Ratings (as of May 2018)

Fitch Moody's
AA- (very high credit quality) - (not rated)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is rated by Fitch.

Credit ratings assigned to Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken as of May 2018 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken it is set to AA- (very high credit quality), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is set to F1+ (highest short-term credit quality).

Long-Term Issuer Default Rating  AA-
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  F1+
Viability Rating  -
Support Rating  NR
Support Rating Floor  -

Viability rating for Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is not set support rating is NR (not rated); support rating floor is not set.

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Germany are obliged to participate in German deposit guarantee scheme.

In the case of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  all deposit accounts (deposits on current accounts and savings accounts, overnight money or time deposits, registered savings bonds, and similar)
Covered Currencies  EU currencies
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken and its components are shown in the table below.

BIC  BSHHDE6SXXX
Bank BIC Code  BSHH
Country Code  DE (Germany)
Location Code  6S
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken is shown in the table below.

MFI ID  DE07803

European Presence: 2 banks in 2 countries

Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken operates under the brand name Bausparkasse Schwaebisch Hall. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Germany

  •  (this bank) Bausparkasse Schwäbisch Hall AG, Bausparkasse der Volksbanken und Raiffeisenbanken (Schwäbisch Hall)

Luxembourg