Annual Report Abridged version. Abridged version. Annual Report sparkasse-pforzheim-calw.de
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1 Abridged version Annual Report 2014 Abridged version Annual Report sparkasse-pforzheim-calw.de
2 The Northern Black Forest Region, Germany Sparkasse Pforzheim Calw s core market is located between the metropolitan centers of Stuttgart and Karlsruhe in the South Western part of Germany. This location, which also boasts particularly good transport connections (motorways, proximity of the airports in Stuttgart and Karlsruhe/Baden-Baden), makes it attractive for companies to settle in the region. Almost 490,000 people live in the catchment area. characterized by: Mechanical engineering and precision tool engineering, including punched and turned parts technology, components supply for the automotive industry, information technology and plastics technology 75% of German jewelry is manufactured in this region Production center for almost half of all clocks and watches Made in Germany Medical, dental and surface technology Mail order and printing Spas, tourism and gastronomy Forestry, timber, agriculture and wine-making Numerous companies act as important suppliers in the economic regions of Stuttgart and Karlsruhe, and are represented worldwide with a high export share. Alongside traditional production processes, high-tech industries are increasingly conquering the market. Product innovations and the use of the latest production technologies secure companies competitiveness in Germany and abroad. The region s attractiveness is enhanced further through the Neue Messe Stuttgart exhibition center. There is a broad range of universities and centers of further education, with notable examples including: Pforzheim Technical Colleges for Jewellery and Watches Pforzheim University for Design, Engineering, Business and Law, which holds a leading position in Europe in transportation design SRH Calw University of Applied Sciences LDT Nagold Academy of Fashion Business, Management and Marketing IHL Liebenzell University of Applied Sciences History of Sparkasse Pforzheim Calw Sparkasse Pforzheim Calw was founded on 1 January 2003 following the merger of Stadt+Kreis-SPARKASSE PFORZHEIM and Kreissparkasse Calw. The bank s origin dates back to 1834, when Städtische Sparkasse Pforzheim was founded. Kreissparkasse Calw was established in Both Sparkassen (savings banks) developed successfully and evolved into banks created a Sparkasse that is well equipped to meet the challenges of the future. Company prof ile Sparkasse Pforzheim Calw is one of the major Sparkassen in Germany number 8 out of a total of 390 and the largest in Baden-Württemberg. The balance sheet total as at 31 December 2017 amounted to 11.3 billion. The business volume (balance sheet total and contingent liabilities) stood at 11.9 billion. It operates via a modern network of 113 branches in its business area. Sparkasse Pforzheim Calw s corporate philosophy is anchored in its corporate guidelines, comprising the mission statement, employee guidelines and management guidelines. These represent the aims of the Sparkasse and the values adopted by its employees. Each of the three guidelines supports the employees with a consistent focus on forwardlooking action. Their values are security, reliability, trustworthiness vities. As a leading bank in the region, Sparkasse Pforzheim Calw is a strong pillar for the economy and the people in the region: it is an employer, client, investor and tax payer. Sparkasse Pforzheim the public, the corporate sector, small and mediumsized companies and the public sector. More than 330,000 retail customers and over 15,000 businesses, tradespeople and self-employed persons rely on the bank s skills. With almost 2,000 employees, Sparkasse Pforzheim Calw is one of the largest employers in the region. The Top National Employer award bestowed by Sparkasse Pforzheim Calw s human resources work. 2
3 With the highest number of apprentices in the Northern Black Forest region, it largely covers its own personnel requirements from within its own ranks. The Sparkasse has been awarded the Excellent Training Company quality seal by the Chamber of Commerce and Industry of the Northern Black Forest in recognition of the high quality of its training. Occupational health management is just as impor- models. A good work-life-balance is particularly important for Sparkasse Pforzheim Calw. Sparkasse Pforzheim Calw pursues a consistently sustainable business policy. For example, it pays particular attention to the conscious conservation of the environment and resources. When refurbishing or constructing new buildings, it insists on energy- ergies. It offers products in both deposit and lending ecological investment projects in the region. It is also committed to barrier-free banking. 48 branches have meanwhile been awarded the senior friendly service from the Senior Citizens Council of the State of Baden-Württemberg, in recognition of their efforts to take account of the banking needs of the elderly. ment. In 2017, its competent employees assisted the region s companies with export business worth 1,018 million and with import business of almost 590 million. Sparkasse Pforzheim Calw is committed to providing consistently high-quality products and services tailored to its customers needs. As in all other sectors, it offers its services competently and professionally based on many years of experience. Experience is often worth its weight in gold. Good connections and established business relations are particularly crucial in foreign business to ensure secure payments and execution of transactions. This calls for extensive skills and knowledge of the international markets. Sparkasse Pforzheim Calw services address all aspects of international business. It demonstrates particular strength in the guarantee business, interest rate and currency hedging as well Legal position sector bank with a custodial function status, which acts as the joint savings bank for the City of Pforzheim, the Enz District and the District of Calw. The STADT+KREISSPARKASSE PFORZHEIM ENZKREIS CALW joint savings bank is liable for the obligations of the Sparkasse Pforzheim Calw up until 18 July As of this date, the Sparkasse is liable with its own assets. The Sparkasse is a member of the Deutsche Sparkassen-Finanzgruppe (German Savings Bank Finance Group). Your partner in foreign trade As one of Germany s major Sparkassen, Sparkasse Pforzheim Calw assists its customers worldwide with specialists offer its customers modern instruments to help them hedge country, credit rating, payment, interest-rate and currency risks. An internal team of specialists and a network of correspondent banks allows our customers to do business in more than 165 countries. 3
4 Balance sheet as at 31 December 2017 (not in the legally required format) Assets EUR EUR EUR EUR thousand 31 Dec Cash reserves a) Cash in hand ,728, ,031 b) Credit balance with the Deutsche Bundesbank ,704, , ,433, ,112 a) Treasury bills and discounted treasury notes.... b) Bills of exchange..... a) Due daily... 66,194, ,169 b) Other receivables ,901, , ,096, , ,770,635, ,418,451 Secured by mortgages... EUR 3,381,366, ,248,430 Local authority loans... EUR 525,935, ,046 a) Commercial papers aa) From public issuers.... Eligible as collateral with the Deutsche Bundesbank... EUR. ab) From other issuers... 3,000, ,000 Eligible as collateral with the Deutsche Bundesbank... EUR. 3,000, ,000 b) Bonds and debenture bonds ba) From public issuers ,609, ,773 Eligible as collateral with the Deutsche Bundesbank... EUR 345,571, ,790 bb) From other issuers... 1,946,617, ,949,594 Eligible as collateral with the Deutsche Bundesbank... EUR 1,704,475, ,665,413 2,369,227, ,376,367 c) Own bonds... 1,075, ,199 Nominal amount... EUR 1,078, ,326 2,373,302, ,383, ,765, ,116 Own participating rights... EUR 1, Nominal amount... EUR 1, a ,790, , ,157, ,172 In banks...eur 2,151, ,151 In f inancial service providers... EUR 24,283, , ,644, ,776 In banks... EUR. In f inancial service providers... EUR. 11,149, ,243 Trust loans... EUR 11,149, , a) Self-created industrial property rights and similar rights and values. b) Purchased concessions, industrial property rights and similar rights and values and licences to these rights and values , c) Goodwill.... d) Prepayments made , ,854, , Other assets... 28,035, , ,153, ,533 11,329,705, ,065,640 4
5 EUR EUR EUR EUR thousand 31 Dec a) Due daily... 56,079, ,584 b) With agreed term or notice period... 2,033,481, ,869,601 2,089,560, ,076,185 a) Savings accounts aa) With agreed notice period of three months... 1,820,513, ,743,656 ab) With agreed notice period of more than three months ,033, ,571 2,011,546, ,037,227 b) Other liabilities ba) Due daily... 5,172,833, ,844,393 bb) With agreed term or notice period ,390, ,914 5,729,224, ,461,307 7,740,771, ,498,534 a) Bonds issued ,634, ,024 b) Other securitised liabilities.... Commercial papers... EUR. Own bills of acceptance and promissory notes outstanding... EUR. 407,634, , ,804, , ,149, ,243 Trust loans... EUR 11,149, , ,209, , ,851, , Provisions a) Provisions for old-age pensions and similar liabilities... 34,276, ,232 b) Tax provisions... 6,158, ,725 c) Other provisions... 63,269, , ,703, ,457 98,023, ,631 19,564, ,564 Due within two years... EUR 19,564, ,810, ,620 Special items according to s. 340e para. 4 HGB...EUR 2,810, ,620 a) Subscribed capital... 5,298, ,298 b) Capital reserve.... c) Revenue reserves ca) Security reserve ,324, , ,324, ,324 d) Balance sheet prof it... 15,000, , ,622, ,623 11,329,705, ,065,640 a) Contingent liabilities from charged bills of exchange issued.... b) Liabilities from bank sureties and guarantee agreements ,088, ,142 c) Liability from provision of securities for third-party liabilities ,088, ,142 a) Repurchase obligations from reverse repurchasing agreements.... b) Placing and acquisition obligations.... c) Irreversible credit commitments ,922, , ,922, ,585 5
6 Income Statement for the period from 01 January to 31 December 2017 EUR EUR EUR EUR thousand 1 Jan Dec a) Credit and money market transactions ,624, ,801 Negative interest rates already accounted for... EUR 176, b) Fixed-income securities and debt register claims... 22,789, , ,414, , ,420, ,934 Positive interest rates already accounted for... EUR 636, ,817 Interest accrued on provisions...eur 3,116, , ,993, ,772 a) Shares and other variable income securities... 4,750, ,352 b) Equity investments... 7,287, ,850 c) Shares in aff iliated companies ,037, , , ,316, , ,587, ,779 66,729, , ,687, ,051 Transfers to the fund for general banking risks... EUR 190, ,039, ,390 From foreign currency translations... EUR 12,130, , ,737, ,362 a) Personnel expenditure aa) Salaries and wages... 80,716, ,134 ab) Social charges and expenditure for old-age pension provision and support, including:... 23,069, ,663 For old-age pension provision... EUR 7,807, , ,785, ,798 b) Other administrative expenditure... 48,296, , ,082, ,671 10,106, , ,501, ,414 From foreign currency conversions... EUR 8,192, , ,749, ,153 20,749, , ,285, , ,285, , ,097, , ,000, , ,915, , ,018, , , ,492, , , ,000, , ,000, ,000 a) From contingent reserves.... b) From other reserves ,000, ,000 a) To contingent reserves.... b) To other reserves ,000, ,000 6
7 Close to our customers a strong force in the region Sparkasse Pforzheim Calw has been living its business policy for more than 180 years. It owes its success to a philosophy that includes sustainability, commitment to ethical principles and a focus on long-term customer relationships. The essence of its long-standing experience is its close proximity to the people and it takes on responsibility for the common good and supports social, sporting, cultural and arts events. Tax payments, investments and the purchasing power towns and communities of the region. Needless to say, this helps to strengthen the local economy. As the leading bank in the region, Sparkasse Pforzheim Calw succeeded in consolidating its total assets rose by 2.4 % to 11.3 billion, driven by risk provisioning came to more than 90 million. Loans to customers rose by 4.5 % over the previous year to 8.1 billion, with loan commitments at around 1.7 billion. The Sparkasse thus continued to successfully support above-average economic development in the region in 2017, too. Notwithstanding the phase of low interest rates, retail customer deposits carried on the balance sheet rose by 2.9 % to 7.9 billion. The Sparkasse can look back at a very successful year in the leasing business, with almost 61.5 million of new business generated on 387 individual agreements. This is almost 49 % over the previous year s level. In 2017, the Sparkasse supported 108 start-ups and company successions, which represents an increase to the labor market in the region. A total of 469 jobs were created or secured in the region, through startups, company successions and business acquisitions. In the insurance and pensions-saving business, more than 6,500 non-life insurance policies were arranged, a result that exceeded the previous year by 9.8 %. The value of the life insurance policies arranged came to around million. The Sparkasse also has a strong position in home savings business, backed by its partner Landesbausparkasse Südwest. Sparkasse Pforzheim Calw boosted its result to more than 195 million in new home savings contracts. More than 4,300 new home savings contracts were arranged. Although the supply of properties on the market continues to fall, more than 450 real estate transactions with a total volume of more than 100 million were successfully arranged therefore represented another very successful year on the real estate market for the Sparkasse. Traditionally, Sparkasse Pforzheim Calw is a potent partner in the precious metals business. Almost 6.1 tonnes of gold and just short of 60 tonnes of silver were transacted in Transactions in this customers increasingly bought precious metals at lower prices. Private investors have bought gold, physically as well as through the account. More than 3,000 customers held almost 3 tonnes of gold deposits at the end of the year. wide to receive the best-known sustainability stands for Responsible Jewellery Council, is an international association of companies operating in the gold and jewelry sector, and is headquartered in London. These companies commit to responsible corporate management, the observance of human rights, fair working conditions and meeting environmental requirements. Sparkasse on the Internet: info@sparkasse-pforzheim-calw.de 7
8 Published by Sparkasse Pforzheim Calw Board of Management Off ice Text: Board of Management Off ice Poststraße 3, Pforzheim, Germany Telephone: Telefax:
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