Strategy & Business Model

5 good reasons for a stable financial partner – your HypoVereinsbank

HypoVereinsbank is a leading private-sector bank in Germany and part of UniCredit, a successful pan-European commercial bank with a simple business model and a fully plugged in CIB, delivering our unique Western, Central and Eastern European network to our extensive client franchise. We offer local expertise as well as international reach. We accompany and support our 25 million clients globally, providing them with unparalleled access to our leading banks in 14 core markets as well as to another 18 countries worldwide.

Our vision is to be “One Bank, One UniCredit”.

As a universal bank, HypoVereinsbank offers its clients – private clients, private banking customers , small and medium-sized enterprises (SMEs), corporate and real estate clients and institutional clients – a comprehensive range of financial services.

In addition to providing banking services to its clients, HypoVereinsbank values corporate citizenship and is committed to the betterment of society in the regions where it does business.

Excellence in client advice and outstanding products and services

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. A selection:

  • In a nation-wide survey in 2016 conducted by the public-interest group Institut für Vermögensaufbau (IVA), HypoVereinsbank received an "Outstanding" rating for customer satisfaction.
  • Focus Money again selected HypoVereinsbank as "The Best Bank for SMEs" in 2016.
  • For the fourth consecutive year, HVB Private Banking received the grade "summa cum laude" from the Elite Report.
  • Corporate & Investment Banking ranks high in the league tables across the entire product range.

Robust business model and excellent capital base

Robust business model and excellent capital base

HVB Group can report a satisfactory business performance in a consistently challenging environment for the financial industry in the first half of 2017 financial year thanks to its well-balanced and robust business model. 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 21.2% at 30 June 2017. Coupled with a conservative risk policy, these factors all contribute to making HypoVereinsbank a solid and reliable partner.

At home in Germany

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 20 percent of the applicable liable equity of the Bank.

Broad-based presence in Europe

® schiffner/photocase
® schiffner/photocase

Broad-based presence in Europe

HypoVereinsbank is part of UniCredit, a successful  pan-European commercial bank with a fully plugged in Corporate & Investment Banking, delivering our unique Western, Central and Eastern European network to our extensive client franchise.

We offer local expertise as well as international reach. We accompany and support our 25 million clients globally, providing them with unparalleled access to our leading banks in 14 core markets as well as to another 18 countries worldwide.

That’s why when it comes to our client’s international needs we have the solution. Whether it is trade or other banking services, we can help: with our deep local knowledge and our unique Western Central and Eastern European network serving our clients in Europe and beyond, we are fully equipped to meet our clients’ needs, both in our home-markets and further afield.

Deep roots in society and global leadership in sustainability

Deep roots in society and global leadership in sustainability

"Sustainability is our core business". Our goal is to reconcile values and business success. HypoVereinsbank has been continuously listed in the Prime Universum index of sustainable stocks by the sustainability rating agency oekom research for 15 years. This qualifies us as one of the world's most sustainable banks. In Germany HypoVereinsbank is the most sustainable private-sector commercial bank.

In 2017 HypoVereinsbank was honoured as one of Germany's most attractive employers for the seventh consecutive year by the Top Employers Institute, which is dedicated to excellence in HR management. HypoVereinsbank also won a Certificate of Excellence in the Corporate Health Awards in recognition of its outstanding workplace health management activities. The Corporate Health Awards are presented annually in various categories to companies who demonstrate an outstanding commitment to employee health. HypoVereinsbank has been ranked in the excellence category for the past five years.