Sparkasse Schwarzwald-Baar: Strong paper trade in front of the horizon – Villingen-Schwenningen & Umgebung

The well-known former Florian Klausmann (links) and the former representative Arendt Gruben von der Sparkasse Schwarzwald-Baar can finally see the balance of the 2021 balance sheet. In the future, you will also be able to enjoy it. Photo: Spitz

“Das ist keine Balanzpressekonferenz wie keine andere – dazu hat sich das geopolitische und wirtschaftliche Umfeld zu engravied geändert”, dieze Ankündigung des Vorstandsvorsitzenden der Sparkasse Schwarzwald-Baar, Arendt Gruben, war deutlich.

Villingen-Schwenningen – “We are shocked by this war in the heart of Europe”, concrete.



The good old times

Klar sei, dass auch die Region Auswirkungen des Krieges spüre – etwa in Form von Veränderungen im Bereich der globalni Zusammenarbeit, des internationalen Handels und der Versorgung mit bezahlbarer Energie. Eine noch da gewesene Situation. Gruben sieht aktuell einenin “Wendepunkt hin zu swwierigeren Zeiten”, – in gewisser Weise sei 2021 also schon so etwas wie wie “die gute alte Zeit”.

And then the night of the Pandemic, Germany 2021 fest in Griff hatte. The “Spark test” is used as a “spark test”, and the application for the customer function is also functioning. Deren Schar wuchs – so freut man sich bei der Sparkasse über 3300 neue und jetzt insgesamt 120 000 Girokonten (70 Percent more than Zuwachs als 2020) ) and an “under the string of solid results with a year-round fee of 4.3 million Euros” – plus 4.9 percent. Preserve the value of the paperwork, which makes a fee of 52 percent.

Customer loans increase by 4.4 percent to 2.6 Billion Euros, the customers of 4.1 to 4.6 Billion Euros. The surplus discount is at 76.2 Million Euros (plus 26.4 Percent) – backups on your very good credit business, including the commission fee of 27.2 Million Euros (Plus 12.4 Percent). The cost-benefit ratio is reduced by 70.7 percent per year to 62.2 percent.

The total capital quote is 14.4 percent stable.




KFW-Fördergeld goes the same way

In addition to construction funding, the top inflation inflation “and the trend in safeguards” is in focus – 1,400 purchases with a volume of 326 million Euros (plus 12.5 percent) Used cars. Solange is the best way, but the KFW-Förderprogramme is well-known – “the last program is only three hours away”, according to Grubden, and the billionaire Fördermittel “has a good time”. The Bauzins are currently very dynamic, so Gruben, he has been dating for 2021. Wer mit der Sparkasse bauen wolle, von dem erwarte man aktueell auch epreprechendes Eigenkapital, schließlich seien Bauprojekte finanziell derzeit kaum verlässlich planbar.

What a house building in Kleineren tangierte, ging für die Geverbekunden ans Eingemachte. Companies and commercials, as well as Florian Klausmann’s well-known presenters, are responsible for their efforts. In addition to liquidity management, the topic, the company and sales counselors of Sparkasse, is also available for testing on the issue of stark beans. It is very popular and can also be used for accommodation and facilities. A brief explanation was discussed at the poll: “Die pandemiebeginn vielerorts prognostizierte Insolvenzwelle der Unnetnehmen hat sich auch in 2021 nicht nicht bewahrheitet.” For the future, at the time of this balance press conference, there is a forecast.

Info: Number and facts for development 2021

Balance sheet total: 4661 Million Euros (+ 8.6%)

Customer: 4624 Million Euros (+ 12.7%)

Customer credit: 2594 Million Euros (+ 4.4%)

Interest rate: 76.2 Million Euros (+ 26.4%)

Management fund: 60.5 Million Euros (+ 1.0%)

Annual fee: 4.3 Million Euro (+ 4.9%)

Number of employees: 606 (-7)


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