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Competitive across the board

The cooperative financial network's customers expect to receive the right solutions, whatever their needs. The DZ BANK Group makes sure that these expectations can be met. Thanks to their strong brands, the entities in the DZ BANK Group are among the market leaders in their respective segments and constitute key pillars in the provision of financial products and services offered by the cooperative financial network. Here too, our approach in the spirit of partnership is what counts. The local cooperative banks can offer their customers a range of competitive products without having to develop each one themselves. At the same time, they are the network's most important sales channel.

DZ BANK offers the full suite of transaction banking products, embracing new trends and constantly developing optimized payment solutions for its customers. It also designs competitive investment products for retail customers. These include investment certificates, bonds, and interest-rate products, many of which have a focus on environmental, social, and corporate governance (ESG) aspects. The bank's capital markets team has vast expertise in money market and capital market transactions, encompassing everything from traditional trading in equities and bonds to support for primary market transactions and derivatives business. In the market segment for green and sustainable bonds, DZ BANK has carved out a strong position among European syndicate banks. The bank's corporate customer advisory teams at 14 sites across Germany provide assistance to large corporations and multinationals, orchestrating needs-based solutions across all product fields. DZ BANK also maintains branches and representative offices in key economic regions around the globe in order to support customers' international activities.

Bausparkasse Schwäbisch Hall is one of Germany's leading providers of consumer home finance and home savings. It is also the largest German building society, with around 7 million customers. A network partner to the cooperative banks, Schwäbisch Hall offers an extensive range of financing solutions, including home savings, home finance, and government support programs.

R+V Versicherung occupies the number-two spot in the German market for life and non-life insurance. The cooperative insurer enjoys the trust of almost nine million customers, who have insured more than 27 million risks. R+V also takes on inward reinsurance business around the globe.

Union Investment is the expert for asset management in the DZ BANK Group. Around 5.8 million investors rely on Union Investment's considerable experience and have entrusted assets of €413.1 billion to its management, making it one of Germany's leading providers. With more than 1,300 funds under its management, Union Investment offers a variety of solutions in the following areas: equity funds, fixed-income funds, multi-asset funds, money market funds, funds of funds, and open-ended real estate funds.