HypoVereinsbank is the leading bank in Germany and a member of Unicredit , a successful Pan European Commercial Bank. Based on our position as leading bank in Germany, we offer product and services that meet modern standards – 24/7, online, on a mobile basis and via our branches.
UniCredit is and will remain a simple successful Pan European Commercial Bank, with a fully plugged in Corporate & Investment Banking, delivering a unique Western, Central and Eastern European network to our extensive and growing client franchise.
We meet real client needs with real solutions which harness synergies between our business divisions: Corporate Investment Banking, Commercial Banking and Wealth Management. The way in which these solutions are developed and provided is as important as the solutions themselves, which is why everything we do is based on our two core values ethics and respect .
By focusing on banking that matters, we offer local and international expertise, providing unparalleled access to market leading products and services in 13 core markets* through our European banking network. Leveraging on an international network of representative offices and branches, UniCredit serves clients in another 18 countries worldwide.
* Assuming full deconsolidation of Yapi
HypoVereinsbank is committed to doing business with integrity and reliability, handling resources and the environment responsibly and making a valuable contribution to the common good.
The needs and expectations of our clients are as diverse as the cli-ents themselves. Satisfying them involves much more than offering the right mix of products and services.
Through the effective networking of the business segments we ensure that clients receive comprehensive solutions covering all of their private and business needs. For companies, HypoVereinsbank offers all of the services corporate clients expect, including corporate succession consulting, transaction services such as pay-ment processing, tailor-made structured financing, and capital market and investment products.
HypoVereinsbank combines its strong presence in Germany with the international network of UniCredit. This unrivalled access to numerous global markets is useful especially to German small and medium-sized enterprises doing business internationally, large corporations and institutional clients.
Our private clients benefit from personal advice in our fully modernised branches across Germany or in our online branch. A diverse range of user-friendly online and mobile banking options rounds off our selection of products and services. The many awards and honours that we have received underscore our consulting expertise and the quality of our products.
Operating income developed positively in the first half of 2019 which, however, is partly due to non-recurring effects. As a whole, we assume for the 2019 financial year that the business segments will generate a good profit after tax which is higher than the result in the previous year. All the business segments will thus contribute to the overall result of HVB Group.
This underscores the strength of our simple commercial bank model and a fully plugged in Corporate & Investment Banking. By both national and international standards, our liquidity and capital base is one of the best in the banking sector.
HVB Group has had an excellent capital base for years. Both the Tier 1 ratio under Basel III and the Common Equity Tier 1 (CET1) capital ratio amounted to 19.4% at 30 June 2019. Coupled with a conservative risk policy, these factors all contribute to making HypoVereinsbank a solid and reliable partner.
HypoVereinsbank is a German bank and a stock corporation under German law, and thus, in addition to supervision by the European Central Bank, is subject to all restrictions and regulations of the German financial market regulators.
HypoVereinsbank is a member of the Compensation Scheme of German Banks (Entschädigungseinrichtung deutscher Banken GmbH), which provides for a statutory protection limit amounting to a maximum of €100,000 for secured deposits.
In addition, HypoVereinsbank is a member of the Deposit Protection Fund of the Association of German Banks. The protection limit for deposits subject to this voluntary protection scheme is currently equal to 20 percent of the applicable liable equity of the Bank.
HypoVereinsbank is part of UniCredit, a simple successful pan-European commercial bank, with a fully plugged in Corporate & Investment Banking, delivering a unique Western, Central and East-ern European network to our extensive client franchise.
We meet real client needs with real solutions which harness synergies between our business divisions: Corporate & Investment Banking, Commercial Banking and Wealth Management. We believe that the way we develop and provide these solutions is as important as the solution itself, which is why everything we do is based on ethics and respect.
By focusing on banking that matters, we offer local and international expertise, providing unparalleled access to market leading products and services in 14 core markets through our European banking network. Through sustainable business growth, we ensure UniCredit remains a pan-European winner.
Ecological and social aspects are of central importance for HypoVereinsbank. This is also reflected in the broad spectrum of sustainable financial products and the corresponding advice we provide to our customers. HypoVereinsbank is part of UniCredit, which is rated Prime by oekom and is therefore one of the most sustainable banks in the world.
As part of its Group-wide sustainability strategy, HypoVereinsbank is committed to doing business with integrity and reliability, handling resources and the environment responsibly and making a valuable contribution to the common good.