Company profile

The company

Company profile

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 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 BankingCommercial 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 16 countries worldwide.

Banking that matters – Institutional Video

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.

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Simple successful pan-European commercial bank:

As "One Bank, One UniCredit", our group acts as "One Team" across all of our countries and business divisions, providing central support with local excellence in order to turn the challenges of the current scenario into opportunities.
UniCreditGroup

Our strengths are:

5 good reasons for a stable financial partner

1. Excellence in client advice and outstanding products and services

 

The needs and expectations of our clients are as diverse as the clients 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 payment 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.

2. Well-balanced and solid business model and excellent capital base

The 2020 reporting year was significantly impacted by the COVID-19 pandemic. Although HVB was able to overcome the operational challenges caused by the COVID-19 pandemic (including a temporary lockdown), the COVID-19 pandemic resulted in major economic restrictions.

Against this backdrop, HVB Group managed to generate a satisfactory result in its operating business. Operating income is moderately below the previous-year result contrary to the forecast from the previous year, which had assumed a slight increase.

HVB Group has had an excellent capital base for years. The CET1 capital ratio in accordance with approved consolidated financial statements amounted to 18.8 % in the reporting year (previous year: 17.5 %). The year-on-year increase of 130 basis points is due to the decrease in total risk-weighted assets.

3. At home in Germany

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 15 % of the applicable liable equity of the Bank.

4. Broad based presence in Europe

HypoVereinsbank is part of UniCredit, a simple successful pan-European Commercial Bank, with a fully plugged in CIB, delivering a unique Western, Central and Eastern European network to its extensive and growing client franchise. We meet real client needs with real solutions which harness synergies between our businesses: CIB, 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 16 countries worldwide.

5. Deep roots in society and global leadership in sustainability

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 ISS ESG 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.