In its role as their central institution DZ BANK provides the local cooperative banks with in situ support. Jointly with the specialised institutions that belong to the cooperative financial network we contribute to the success of all partners with our attractive products. All companies need access to intelligently structured financing concepts. For this reason, we aim to ensure that medium-sized companies are also in a position to make use of the large number of modern capital market instruments over and above classic financing facilities.

DVB Bank SE, domiciled in Frankfurt am Main, is the leading specialist in the international transport  finance business. The bank offers its customers integrated finance and advisory services in the Shipping Finance, Aviation Finance and Land Transport Finance segments. DVB is represented in Frankfurt am Main, Hamburg, London, Cardiff, Rotterdam, Bergen/Oslo, Piraeus, Zurich, Singapore, Tokyo, New York and Curaçao. DVB Bank SE’s shares are listed on the Frankfurt Stock Exchange (ISIN: DE0008045501).

VR Equitypartner functions as an equity finance provider for the SME segment. It aims to occupy a leading position in the equity investment business in the small- and mid-caps segment.

Reisebank is a specialist in foreign notes and coins, precious metals and traveller's cheques, world-wide cash transfers in cooperation with Western Union and cash management. In Germany it plays a leading role in the travellers’ payments business.


The VR LEASING Group is a leading financial services provider in Europe. Its offering spans equipment and real estate leasing as well as sales and procurements financing products such as factoring, centralised settlement and investment credits. The product range is supplemented by services such as fleet or building management. In Germany the VR LEASING Group is partner to more than 2,500 SME manufacturers and traders. Outside Germany, the VR LEASING Group operates in ten countries in Central and Eastern Europe with its own subsidiaries and affiliates. It is represented by network partners in all Western European countries. Its customers and partners are serviced through a broad network of offices employing more than 2,300 people.

Schwäbisch Hall Kreditservice AG is the group’s specialist for services in the credit, home savings  and development loan business with a portfolio of 8 million contracts and a work force of around 2,150 employees. Its customers include Bausparkasse Schwäbisch Hall as well as DZ BANK AG. Jointly with the subsidiaries VR Kreditservice GmbH, Hamburg, and Hypotheken Management GmbH, Mannheim, Schwäbisch Hall Kreditservice is the leading provider of credit services in Germany.
Schwäbisch Hall Kreditservice and its two subsidiaries make an active contribution to end-customer satisfaction with their highly efficient and innovative services. VR Kreditservice is a specialist solutions provider in the credit sector for cooperative banks. Hypotheken Management GmbH offers its services to financial services providers outside the cooperative financial network.
Schwäbisch Hall Kreditservice AG is a wholly-owned subsidiary of Bausparkasse Schwäbisch Hall AG.