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German public banking sector

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Component of Germany's banking sector
Building of the Herzogliche Landesbank in Altenburg, erected 1862-1865

The German public banking sector (German: Öffentliches Kreditwesen) represents a significant share of the broader banking sector in Germany. Unlike in most other Western and Central European countries, German public-sector banks have been present since the early phases of formalization of banking entities in the early modern period and have never lost their collective significance. They are typically referred to as one of the three “pillars” of the German banking system, the other two pillars being the cooperative banks and commercial banks.

Following many steps of development, consolidation, and restructuring, the German public banking sector (leaving aside the Deutsche Bundesbank) consists mainly of two clusters: the Sparkassen-Finanzgruppe, which competes with commercial and cooperative banks and includes local savings banks (German: Sparkassen) and regional entities (German: Landesbanken); and promotional and development banks (German: Förderbanken) owned by the Federal Republic of Germany (in the case of KfW) or the individual states of Germany.

History

Government-owned banks are among the oldest financial institutions in Germany, with several appearing in the late 18th century simultaneously as the first municipally-owned savings banks. Throughout the 19th century, governments of individual states or provinces of Prussia established (respectively) Landesbanken and Provinzialbanken to lend to various kinds of borrowers, including Sparkassen but not limited to them. Unlike in most European countries where banking was an exclusive activity of the private sector, government-owned banks thus remained a structural feature of the German financial system, even as joint-stock Grossbanken [de] gained relative importance in the second half of the century.

The beginning of the 20th century saw the emergence of a number of Girozentralen acting as centralizing entities for their region's Sparkassen, a trend that was greatly accelerated by government policy choices during World War I even though it had started slightly earlier; numerous episodes of consolidation followed, leading to the current Landesbank landscape. By 1929, government-owned banks accounted for at least 40 percent of all banking assets in Germany. That feature set Germany apart from other European countries in which, aside from the Soviet Union of course, the bulk of the banking sector was in private-sector hands.

As a consequence of the European banking crisis of 1931, further German banks were nationalized, but they were soon reprivatized in 1935–1937 by Nazi Germany. Still, by 1938, government-owned banks represented 42 percent (in terms of aggregated assets) of the 25 largest banks in Germany, not counting those in annexed Austria. These included the Prussian and Bavarian Staatsbanken, Berliner Sparkasse [de], Reichs-Kredit-Gesellschaft, Deutschlandkasse, Deutsche Girozentrale, and eight regional Girozentralen, namely those in Düsseldorf (serving the Rhineland), Dresden (Saxony), Munich (Bavaria), Magdeburg (central Germany), Berlin (city), Hanover (Lower Saxony), Berlin (Brandenburg), and Breslau (Silesia). (The other 11 banks in the top 25 were Deutsche Bank, Dresdner Bank, Bank der Deutschen Arbeit, Commerzbank, the indirectly government-owned Deutsche Verkehrs-Kredit-Bank, cooperative Deutsche Rentenbank-Kreditanstalt, Bayerische Hypotheken- und Wechsel-Bank, Deutsche Centralbodenkredit AG, part-government-owned Deutsche Industriebank and Deutsche Bau- und Bodenbank, and Bayerische Vereinsbank.) By 1943, the share had risen to 54 percent.

With the delineation of West Germany's Länder between 1948 and 1957, the Landesbanks started acting as "house banks" of their respective Land, thus expanding into some of largest foreign issuers in Germany. By the early 21st century, other European countries that had nationalized swathes of their banking sectors in the 1930s and 1940s had mostly brought them back into the private sector, and Germany again stood out for the large share of its banking sector under government control, a situation that has not much changed in the subsequent two decades.

The Förderbanken emerged more recently as a distinct category. KfW was established in 1948 and a few regional promotional banks in the early 1950s, but in most German states they were created (in Eastern Germany) or spun off from the local Landesbank (in the West) in the 1990s and 2000s.

The German public banking sector has witnessed numerous episodes of distress, in part because of its inherently politicized governance. In mid-1931, the default of the Landesbank der Rheinprovinz, following aggressive and uncontrolled expansion of its credit to German municipalities, was a major trigger of Germany's economic depression, even though other Landesbanken such as the Mitteldeutsche Landesbank survived the episode largely unscathed. Other cases of major difficulties have included the troubles of Westdeutsche Landesbank (WestLB) in the 1970s; Bankgesellschaft Berlin in the early 2000s; Landesbank Sachsen [de] and (again) WestLB in 2007–2008; and HSH Nordbank and NORD/LB in the 2010s.

The following lists detail the path of formation of the current landscape, which has tended to be understudied because of its complexity and heterogeneity. For relative readability, developments are classified in broad geographical categories, and individual Sparkassen are omitted. The list also omits various state financial entities set up at the time of Nazi Germany and discontinued in 1945.

National entities

Berlin and Eastern Germany

  • Former head office of Landeskreditanstalt Meiningen, 2009 Former head office of Landeskreditanstalt Meiningen, 2009
  • Former SachsenLB head office in Leipzig, 2007 Former SachsenLB head office in Leipzig, 2007

Northwestern Germany

  • 1619: Hamburger Bank established in Hamburg
  • 1765: Herzogliche Leyhaus established in Braunschweig
  • 1825: Calenberger Kreditverein [de] established in Hanover
  • 1840: Hannoversche Landeskreditanstalt established in Hanover
  • 1875: Hamburger Bank taken over by the Bank of Prussia
  • 1883: Bodencredit-Anstalt des Herzogtums Oldenburg established in Oldenburg, renamed Staatliche Kreditanstalt des Herzogtums Oldenburg in 1906 and Staatliche Kreditanstalt Oldenburg in 1922
  • 1917: Landesbank Schleswig-Holstein Girozentrale established in Kiel
    • Landesbank der Provinz Hannover established in Hanover
  • 1918: Niedersächsische Wohnungskreditanstalt Stadtschaft established in Hanover
  • 1919: Herzogliche Leyhaus in Braunschweig renamed Braunschweigische Staatsbank [de]
  • 1928: Hansa-Bank established in Bremen
  • 1933: Landesbank der Provinz Hannover renamed Niedersächsische Landesbank Girozentrale
  • 1938: Staatliche Kreditanstalt Oldenburg-Bremen formed by merger of Hansa-Bank and Staatliche Kreditanstalt Oldenburg
    • Bremer Landesbank – Girozentrale established in Bremen
    • Hamburgische Landesbank – Girozentrale (HLB) established in Hamburg
  • 1951: Bremer Aufbau-Bank (BAB) established in Bremen
  • 1952: Hamburgische Wohnungsbaukasse established in Hamburg, renamed Hamburgische Wohnungsbaukreditanstalt (WK) in 1973
  • 1970: Norddeutsche Landesbank Girozentrale (later branded as NORD/LB) formed by merger of Braunschweigische Staatsbank, Hannoversche Landeskreditanstalt, Niedersächsische Landesbank Girozentrale, Niedersächsische Wohnungskreditanstalt Stadtschaft, and Braunschweigische Landessparkasse)
  • 1983: Bremer Landesbank Kreditanstalt Oldenburg – Girozentrale (also known as Bremer Landesbank, or BLB) formed by merger of Bremer Landesbank – Girozentrale and Staatlichen Kreditanstalt Oldenburg-Bremen
  • 2001: Investitionsbank Schleswig-Holstein (IB.SH) established in Kiel
  • 2003: HSH Nordbank AG formed by merger of Hamburgische Landesbank – Girozentrale and Landesbank Schleswig-Holstein Girozentrale, with joint head offices in Hamburg and Kiel
  • 2004: Investitions- und Förderbank Niedersachsen (NBank) established in Hanover
  • 2005: Hamburgische Investitions- und Förderbank (IFB Hamburg) established in Hamburg
  • 2013: IFB Hamburg takes over Hamburgische Wohnungsbaukreditanstalt
  • 2017: BLB merged into NORD/LB
  • 2019: HSH Nordbank privatized and renamed Hamburg Commercial Bank; Landesbank role in Hamburg and Schleswig-Holstein taken up by NORD/LB
  • Verwaltungsbezirk building on Ruhfäutchenplatz  in Braunschweig, head office of Braunschweigische Staatsbank until 1966 Verwaltungsbezirk building on Ruhfäutchenplatz [de] in Braunschweig, head office of Braunschweigische Staatsbank until 1966
  • 1896 building of the Deutsche Nationalbank, head office of Bremer Landesbank in Bremen from 1938 to the 2010s 1896 building of the Deutsche Nationalbank, head office of Bremer Landesbank in Bremen from 1938 to the 2010s
  • Building at Schiffgraben 6 in Hanover, head office of Landeskreditanstalt from 1914 to 1970; later seat of the regional Sparkassenverband Building at Schiffgraben 6 in Hanover, head office of Landeskreditanstalt from 1914 to 1970; later seat of the regional Sparkassenverband
  • Building at Martendamm 4 in Kiel, head office of Landesbank Schleswig-Holstein Girozentrale (1954–2003), HSH Nordbank (2003–2019), and Hamburg Commercial Bank (since 2019) Building at Martendamm 4 in Kiel, head office of Landesbank Schleswig-Holstein Girozentrale (1954–2003), HSH Nordbank (2003–2019), and Hamburg Commercial Bank (since 2019)
  • Building at Georgsplatz 2 in Hanover, head office of Niedersächsische Landesbank Girozentrale from 1958 to 1970, then of NORD/LB until 2002 Building at Georgsplatz 2 in Hanover, head office of Niedersächsische Landesbank Girozentrale from 1958 to 1970, then of NORD/LB until 2002
  • High-rise wing of the former Niedersächsische Landesbank Girozentrale complex in Hanover High-rise wing of the former Niedersächsische Landesbank Girozentrale complex in Hanover
  • Former Alter Bahnhof  building or Ottmerbau in Braunschweig, head office of Braunschweigische Staatsbank (1966–1970), Nord/LB (1970–2002), then Braunschweigische Landessparkasse (since 2008) Former Alter Bahnhof [de] building or Ottmerbau in Braunschweig, head office of Braunschweigische Staatsbank (1966–1970), Nord/LB (1970–2002), then Braunschweigische Landessparkasse (since 2008)
  • NORD/LB Head Office Building  opened in 2002 in Hanover NORD/LB Head Office Building [de] opened in 2002 in Hanover
  • Former Bremer Landesbank head office in Bremen, inaugurated in 2016 a year before the bank's absorption by NORD/LB Former Bremer Landesbank head office in Bremen, inaugurated in 2016 a year before the bank's absorption by NORD/LB

Western-central Germany

  • 1832: Provinzial-Hülfskasse Westfalen [de] established in Münster, sometimes referred to as the first Landesbank
    • Landeskreditkasse established in Kassel
  • 1840: Landeskreditkasse established in Wiesbaden, reorganized in 1849 as Nassauische Landesbank [de]
  • 1854: Rheinische Provinzial-Hülfskasse established in Cologne; relocated in 1877 to Düsseldorf, and renamed in 1888 Landesbank der Rheinprovinz
  • 1890: Provinzial-Hülfskasse Westfalen renamed Landesbank der Provinz Westfalen
  • 1903: Hessische Landes-Hypothekenbank AG established in Darmstadt
  • 1914: Landesbank der Rheinprovinz becomes the payments clearing house (German: Girozentrale) for the savings banks in the Rheinisch-Westfälische Sparkassentag, in substitution of the Stadtsparkasse Köln which had taken up that role in 1911 for the Rhine Province of Prussia
  • 1921: Westfälisches Pfandbriefamt für Hausgrundstücke established in Münster
  • 1923: Hessische Landesbank - Staatsbank established in Darmstadt
  • 1929: Landeskommunalbank - Girozentrale für Hessen established in Darmstadt
  • 1931: Landesbank der Rheinprovinz in distress, suspends payments despite emergency liquidity assistance from Deutsche Girozentrale, Preussische Staatsbank and the Reichsbank; clearing house role transferred to the Cologne branch of the Deutsche Girozentrale
  • 1935: Landesbank der Rheinprovinz renamed Rheinische Girozentrale und Provinzialbank
  • 1940: Hessische Landesbank Darmstadt Girozentrale formed by merger of Landeskommunalbank - Girozentrale für Hessen, Hessische Landes-Hypothekenbank AG, and Hessische Landesbank - Staatsbank, with seat in Darmstadt
  • 1941: Landesbank und Girozentrale Westmark established in Saarbrücken, renamed Landesbank und Girozentrale Saar in 1946 (also known as Landesbank Saar, later SaarLB)
  • 1943: Landesbank für Westfalen (Girozentrale) formed by merger of Landesbank der Provinz Westfalen and Westfälisches Pfandbriefamt für Hausgrundstücke
  • 1948: Landesbank und Girozentrale Kaiserslautern established in Kaiserslautern
  • 1951: Saarländische Investitionskreditbank established in Saarbrücken
  • 1953: Hessische Landesbank Girozentrale (Helaba) formed by merger of Landeskreditkasse Kassel, Nassauische Landesbank, and Hessische Landesbank Darmstadt Girozentrale, with seat in Frankfurt
  • 1958: Landesbank Rheinland-Pfalz [de] (LRP) formed by merger of the branch of the Rheinische Girozentrale und Provinzialbank in Koblenz, that of the Hessen-Nassauische Landesbank in Mainz and Landesbank und Girozentrale Kaiserslautern, with seat in Mainz
  • 1969: Westdeutsche Landesbank Girozentrale (WestLB) formed by merger of Rheinische Girozentrale und Provinzialbank and Landesbank für Westfalen (Girozentrale), with joint head offices in Düsseldorf and Münster and branches in Cologne, Dortmund, Bielefeld, and Essen
  • 1972: WestLB starts its international expansion by opening a branch in Luxembourg, followed by London in 1973 and New York in 1975
  • 2002: WestLB spins off NRW.Bank, converts itself into a joint-stock company as WestLB AG, and sells its private banking business to Merck Finck Privatbankiers
    • Förderbank Hessen, known as Wirtschafts- und Infrastrukturbank (WI-Bank) established in Frankfurt and Offenbach am Main
  • 2004: Investitions- und Strukturbank Rheinland-Pfalz established in Mainz
  • 2012: WestLB dismantled with assets transferred to Portigon Financial Services; Landesbank role in North Rhine-Westphalia taken up by Helaba
  • Former Nassauische Landesbank in Wiesbaden Former Nassauische Landesbank in Wiesbaden
  • Former branch of Landesbank der Rheinprovinz in Aachen Former branch of Landesbank der Rheinprovinz in Aachen
  • Former Landesbank der Provinz Westfalen in Münster Former Landesbank der Provinz Westfalen in Münster
  • Landeskreditkasse building in Kassel Landeskreditkasse building in Kassel
  • SaarLB head office in Saarbrücken, 2011 SaarLB head office in Saarbrücken, 2011
  • Former LRP head office in Mainz, 2015 Former LRP head office in Mainz, 2015
  • Building at Herzogstrasse 15 in Düsseldorf, built 1974–1986, head office of WestLB until 2012, now Herzogterrassen commercial complex Building at Herzogstrasse 15 in Düsseldorf, built 1974–1986, head office of WestLB until 2012, now Herzogterrassen commercial complex
  • WestLB branch in Münster from 1975 to 2002, later head office of the regional Landesbausparkasse WestLB branch in Münster from 1975 to 2002, later head office of the regional Landesbausparkasse
  • WestLB branch in Dortmund from 1978 to 2010, repurposed in 2014 as Dortmunder Centrum für Medizin & Gesundheit WestLB branch in Dortmund from 1978 to 2010, repurposed in 2014 as Dortmunder Centrum für Medizin & Gesundheit
  • NRW.Bank head office in Düsseldorf NRW.Bank head office in Düsseldorf
  • Helaba head office in Frankfurt, 2012 Helaba head office in Frankfurt, 2012

Southern Germany

  • 1780: Hochfürstlich-Brandenburg-Anspach-Bayreuthische Hofbanco established in Ansbach, successively renamed as Königlich Baierische Banco (1806), Königliche Bank Nürnberg (1807), Königliche Filialbank in Munich (1875), and Bayerische Staatsbank (1918)
  • 1818: Württembergische Landessparkasse [de] established in Stuttgart as national savings bank of the Kingdom of Württemberg
  • 1884: Landeskultur-Rentenanstalt established in Munich
    • Städtische Sparkasse Stuttgart established in Stuttgart
  • 1914: Bayerische Girozentrale founded, permanently established in 1917 in Nuremberg and relocated in 1920 in Munich
  • 1916: Zentralstelle des Württembergischen Giroverbands – Stuttgart established in Stuttgart, later renamed Landesbank Stuttgart
  • 1923: Württembergische Notenbank (est. 1871 in Stuttgart) becomes government-owned
  • 1924: Württembergische Wohnungskreditanstalt established in Stuttgart; renamed Württembergische Landeskreditanstalt in 1932
    • Badische Landeskreditanstalt für Wohnungsbau established in Karlsruhe
  • 1925: Bayerische Girozentrale reorganized and renamed Bayerische Gemeindebank (Girozentrale) Öffentliche Bankanstalt
  • 1929: Badische Kommunale Landesbank [de] established in Mannheim
  • 1931: Bank of Baden (est. 1870 in Mannheim) becomes government-owned; relocated to Karlsruhe in 1932
  • 1934: Bank of Baden and Württembergische Notenbank deprived of their note-issuing role and repurposed as commercial entities; the latter renamed Württembergische Landeskommunalbank - Girozentrale (also known as Württembergische Bank) in 1935
  • 1949: Landeskultur-Rentenanstalt renamed Bayerische Landesbodenkreditanstalt (Bayern Labo)
  • 1951: LfA Förderbank Bayern established in Munich
  • 1971: Bayerische Staatsbank privatized and acquired by Bayerische Vereinsbank
  • 1972: Bayerische Landesbank Girozentrale (BayernLB) formed by merger of Bayerische Gemeindebank (Girozentrale) Öffentliche Bankanstalt and Bayerische Landesbodenkreditanstalt
  • 1975: Landessparkasse – Girokasse öffentliche Bank formed by merger of Württembergische Landessparkasse and Städtische Spar- und Girokasse Stuttgart, renamed Landesgirokasse Stuttgart [de] in 1977
  • 1978: Baden-Württembergische Bank [de] (BW-Bank) formed by merger of Bank of Baden, Württembergische Bank and private-sector Handelsbank Heilbronn, with seat in Stuttgart
  • 1988: Südwestdeutsche Landesbank Girozentrale [de] (SüdwestLB) formed by merger of Landesbank Stuttgart and Badische Kommunale Landesbank, with seat in Stuttgart
  • 1998: Landeskreditbank Baden-Württemberg – Förderbank (L-Bank) formed from the development finance activities of Landeskreditbank Baden-Württemberg
  • 1999: Landesbank Baden-Württemberg (LBBW) formed by merger of SüdwestLB, Landesgirokasse Stuttgart and the commercial activities of Landeskreditbank Baden-Württemberg
  • 2005: BW-Bank merged into LBBW
  • Former head office of Badische Kommunale Landesbank in Mannheim, 2018 Former head office of Badische Kommunale Landesbank in Mannheim, 2018
  • BW-Bank in Heilbronn, 2007 BW-Bank in Heilbronn, 2007
  • BW-Bank in Stuttgart, 2013 BW-Bank in Stuttgart, 2013
  • LBBW head office in Stuttgart, 2007 LBBW head office in Stuttgart, 2007
  • BayernLB head office in Munich, 2013 BayernLB head office in Munich, 2013
  • Lion statue in front of BayernLB head office in Munich, 2009 Lion statue in front of BayernLB head office in Munich, 2009
  • Courtyard of BayernLB head office in Munich, 2014 Courtyard of BayernLB head office in Munich, 2014

Cross-regional consolidation

  • 1992: Hessische Landesbank Girozentrale takes up Landesbank role in Thuringia, and is renamed Landesbank Hessen-Thüringen Girozentrale while keeping the shorthand name Helaba
  • 1993: NORD/LB takes up Landesbank role in Mecklenburg-Vorpommern
  • 2001: BayernLB acquires majority control of SaarLB
  • 2005: LRP merged into LBBW
  • 2007: SachsenLB acquired by LBBW
  • 2010-2013: Saarland acquires control of SaarLB from BayernLB

National representation

Two overlapping organizations represent the German public banking sector: the Deutscher Sparkassen- und Giroverband (DSGV), the umbrella organization for the Sparkassen-Finanzgruppe; and the Association of German Public Banks, which brings together the Landesbanks (also members of the DSGV) and the Förderbanken.

See also

References

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