Worksite Banking

Worksite Banking
It’s the right combination that counts
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02.04.2007 14:01:10 Uhr
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02.04.2007 14:01:11 Uhr
Especially for you
Worksite Banking
Originally, as a subsidiary of Degussa AG, Degussa Bank supported the company’s employees in all financial matters. As a direct result of
this tradition, which goes back more than 100
years, fairness and continuity in particular are
qualities which we take for granted.
Currently, we are represented by our bankshops
at over 160 well-known partner companies.
Thanks to our lean and efficiently organized
operations, we can keep costs low, enabling us
to pass on these benefits to our customers. This
means that you, your family and your friends always enjoy favourable terms and conditions.
We call this Worksite Banking.
It’s the right combination that counts!
Personal dialogue, professional competence
and trust play a crucial role, especially when
it comes to difficult individual investment or financing decisions. So it is a great advantage if
your contact person is personally available for
you directly at the place where you work, and
at a time that suits you. This service, combined
with exclusive employee terms and conditions,
is tailor-made for you.
Put it to the test!
Services which we provide as a matter of course:
Free current account
No account fees or transaction charges – with no ifs and buts!
Free custody account
Free clearing account, no charges for limited orders, favourable transaction prices
TOPZins call account
Withdrawable on demand, variable interest from the very first Euro. Ask for our current rates.
Worksite Banking on employee terms and conditions
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02.04.2007 14:01:12 Uhr
Developed just for you
A carefully thought-out concept
with freely selectable products
Employees of our partner firms have access to
all standard and innovative financial services.
We take the time to understand your specific life
situation, your wishes and your goals, and build
your personal financial planning around them.
Together, we select the products for your individual credit and investment wishes that are best
suited to your needs. We make sure that all the
In
o
individual elements in your concept are kept as
flexible as possible so that they can be adapted
to any changes that may arise in the future.
Our mission is to satisfy your needs in all
financial aspects on a long-term basis.
Accounts & Cash
Are your savings instalments
matched to your liquidity?
Do you have a number of
bank accounts, making a structured
investment approach difficult?
Home & Finance
Would you prefer to invest in own wealth creation
rather than keep paying rent?
Instead of paying rent, do you know how much
you could afford to pay towards a mortgage?
Are your repayment options as flexible as you
would like them to be?
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02.04.2007 14:01:16 Uhr
Savings & Investment
What type of investor are you?
In terms of return, are your investments
optimally matched to your life situation
and your wishes?
Securities & Brokerage
Are you already exploiting the possibilities
of investment fund-linked risk cover?
Have you considered investing in securities
in your future financial planning?
Do all the elements
of your future planning
fit properly together?
Insurance & Retirement Planning
Are you possibly under or over insured?
Does your insurance cover match your present
risk situation (new property, children, etc.)?
Have you considered real estate
in your future financial planning?
What can we do for you?
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02.04.2007 14:01:18 Uhr
Our service offer
As an innovative Worksite Bank, we offer you long-term advantages through the unique combination of personal counselling at your workplace and special employee terms and conditions.
Savings & Investment
 TOPZins call account
Withdrawable on demand, variable interest from the very first
Euro
 FestInvest
Combination of a fixed-rate call account and the
award-winning Degussa Bank fixed-income investment fund
 Flexible saving plans
Risk-free investments with a range of saving and payout
options, such as pension annuity plans or savings certificates
Accounts & Cash
 Free current account
with no ifs and buts
 Maestro Card/MasterCard/Visa Card
Convenient, cashless payment as well as cash withdrawals at all partners worldwide
 Foreign exchange & travellers cheques
Foreign banknotes and fully exchangeable travellers cheques bought and sold
 Internet Banking
Account access anywhere and anytime at: www.degussa-bank.de
 Cash service terminals
Cash withdrawals throughout Germany at all Degussa Bank cash service terminals and
ING-DiBa cash dispensers
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02.04.2007 14:01:20 Uhr
Securities & Brokerage
 Free custody account
Free clearing account, no charges for limited orders, favourable transaction prices
 Fund picking
Selected investment funds, continuous analysis by specialists, with reference to independent
ratings and rankings
 Investment fund saving plans
From 50 Euro, professional fund management with no custody charges
 Individual asset management
An optimal portfolio strategy that matches both your personal investment goals and your
life situation
Home & Finance
 Real estate finance
Fast and uncomplicated, with competent advisory services
and special employee terms and conditions, no commitment
fee for one year, with a buffer for homes still under construction, and flexible repayment options
 Home ownership or investment properties
with a ‘no worry’ cover package
 Personal loans
Loans for your personal financing needs on employee terms
and conditions
Insurance & Retirement Planning
 Property & liability insurance
Personal liability, household effects, building, accident, legal expenses or car insurance
 Health insurance
Choose between full private health insurance or supplementary health insurance policies
 Personal provisioning & retirement planning
Term, life, disability or pension annuity insurance, Riester-type pension plans and
company pension schemes
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02.04.2007 14:01:31 Uhr
Worksite Banking on employee terms and conditions
Degussa Bank key figures
in Million Euro
2004
2005
2006
Business volume
2,116
2,474
2,736
Total assets
2,106
2,469
2,726
Customer deposits
1,620
1,878
2,136
Gross loans and advances
1,888
2,205
2,518
69
69
80
Total liable capital (amount eligible for capital
adequacy requirements pursuant to
Section 10 (5a) of the German Banking Act (KWG)
129
136
162
Employees (annual average)
353
400
459
Subscribed capital & reserves
Through our membership of the Bundesverband deutscher Banken (German Banking Association)
deposit guarantee fund, the assets of each individual customer are guaranteed up to an amount of
29,647,000 Euro.
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02.04.2007 14:01:41 Uhr
Interested? Just mark the appropriate boxes with a cross!
Yes, I would like more information about the following:
Savings & Investment
❒
❒
❒
❒
TOPZins Call Account
FestInvest
Savings Certificates
Pension Plans
Accounts & Cash
❒
❒
❒
❒
Securities & Brokerage
Free Giro Account
Maestro Card/MasterCard/Visa Card
Internet Banking
Cash Service Terminals
Home & Finance
Insurance & Retirement Planning
❒ Real Estate Finance
❒ Home Ownership/
Investment Properties
❒ Personal Loans
Property & Liability Insurance
❒ Personal Liability
❒ Household Effects
❒ Legal Expenses
❒ Car
❒
❒
❒
❒
Personal Insurance
❒ Full Private Health Insurance
❒ Pension Annuity
❒ Riester-type
Insurance
Pension Plans
❒ Term Insurance
❒ Disability Insurance
Free Custody Account
Fund Picking
Investment Fund Savings Plans
Individual
Asset Management
❒ Accident
❒ Other:
❒ Building
❒ Supplementary
Private Health Insurance
❒ Company Pension Schemes
Please give me a call:
Name
Address
First name
Tel.
My Degussa Bankshop
The best time to call me is on
I agree to my being informed about the services of Degussa Bank
by phone or in writing.
Signature
Mobile
at
hours
Especially for you. For others too?
New clients on your recommendation
A new customer is deemed to be any person who opens an
account by 1 May 2007 and who does not have any business
dealings with Degussa Bank at the time when the coupon is
received. Persons may not recommend themselves.
Our thanks to you
A petrol coupon worth 25 Euro will be sent to you about
three weeks after the new account opened by the
recommended new customer has been actively used.
Name of new customer
Street, No.
Postal code, City/town
Tel.
Mobile
Date of birth
My Degussa Bankshop
Signature
Your contact details
Please fill out this coupon together with the new customer
you recommend and return it to us.
Name of person
making the recommendation
Street, No.
Further conditions:
Any Degussa Bank customer who already has an account with us can recommend
new customers. Both the person recommending a new customer and the new
recommended customer must be named on the coupon. The new customer must
actively use his or her account within three months of the time the new customer is
recommended. The coupon must be received by Degussa Bank before or at the time
when the new customer opens the account. The customer will receive one ARAL
petrol coupon worth 25 Euro for each new Degussa Bank customer. Payment in cash
or delivery of this coupon to an address outside Germany is not possible.
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Postal code, City/town
Tel.
Mobile
Date of birth
Signature
02.04.2007 14:01:42 Uhr
It’s the right combination that counts
Especially for you.
Postage paid
Thank you for your interest!
Reply
INT-001/06
Degussa Bank
Postfach 1343
61283 Bad Homburg
Especially for you.
Postage paid
Thank you for your interest!
Reply
KWK-001/06
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Degussa Bank
Postfach 1343
61283 Bad Homburg
02.04.2007 14:01:42 Uhr
Our locations
NORDRHEINW ESTFALEN
Marl
Duisburg
Herne
(3 bs)
Bochum
m
Krefeld Mülhei
Ratingen Essen (2 bs)
(3 bs)
Bankshops in your vicinity
Wuppertal
Düsseldorf (4 bs)
We look forward to your visit.
You will find our bankshops (“bs”) at over 160
locations throughout Germany. You can make
cash withdrawals free of charge there and at all
ING DiBa cash dispensers.
Monheim (2 bs)
NORDRHEINMarl
Leverkusen
W ESTFALEN
Köln (4 bs)
Gladbach
Duisburg BergischHerne
Hürth (2 bs)
(3 bs) Niederkassel-Lülsdorf
Bochum
Wesseling
(2 bs) MülheimTroisdorf
Krefeld
Ratingen Essen (2 bs)
(3 bs)
Dormagen
Bonn
Wuppertal
Düsseldorf (4 bs)
Monheim (2 bs)
Leverkusen
Bergisch Gladbach
Niederkassel-Lülsdorf
Troisdorf
Dormagen
Köln (4 bs)
Hürth (2 bs)
Wesseling (2 bs)
SCHLESWIG-
Hemmingstedt
Itzehoe
Bonn
HOLSTEI N
Ahrensburg
Hamburg
(9 bs)
HESSEN
SCHLESWIG-
Bremen
Hemmingstedt
Itzehoe
MECKLENBURGBRANDENBURG
HOLSTEI N
NIEDERSACHSEN
Hannover
(2 bs)
Lemförde
MECKLENBURGVORPOMMERN
Ahrensburg
Hamburg
(9 bs)
VORPOMMERN
Berlin
(4 bs)
Salzgitte
Bremenr
SACHSENEisenhüttenstadt
Halle
BRANDENBURG
KünsebeckNIEDERSACHSENANHAL T
Langelshei
m
Berlin
Hannover
Paderborn
Lemförde
(4 bs)
(2 bs)
(5 bs)
Duisburg Bochum
Schkopau
Salzgitte
r
Arnsberg
Krefeld
SACHSENEisenhüttenstadt
Halle
Essen IserlohnRadebeul
ANHAL
T
Colditz
(2 bs)
KasselKünsebeck
Düsseldorf
NORDRHEINLetmathe
Langelsheim
Paderborn
Köln Duisburg WESTFALE N
Dresden
(5 bs)
Bochum
Marburg
SACHSEN
Arnsberg T HÜRINGEN Schkopau
Krefeld
Bonn
Essen IserlohnRadebeul
NORDRHEINWESTFALE N
Düsseldorf
Frankfurt
Bonn
Hanau
Wiesbaden
Mainz
Darmstadt
PFAL Z (3 bs)
Colditz
Kassel
HESSEN
Letmathe
Köln
RHEINLAND-
Marburg
(2 bs)
Dresden
SACHSEN
T HÜRINGEN
Marl
NORDRHEINW ESTFALEN
(3 bs)
(2 bs)BAYERN
Worms
Östringen
Mannheim
Nürnberg
Karlsruhe Ludwigshafen
Wassertrüdingen
(3 bs)
Bruchsal
(2 bs)
(3 bs)SAARLAND
Östringen
Pforzheim Karlsruhe SchwäbischWassertrüdingen
Bruchsal
Gmünd
(3 bs)
Stuttgart
Schwäbisch(2Pforzhei
bs) m
Stuttgart Gmünd
Augsburg
BADEN-
Dormagen
Köln (4 bs)
Hürth (2 bs)
Wesseling (2 bs)
Monheim (2 bs)
Leverkusen
Bergisch Gladbach
Niederkassel-Lülsdorf
Troisdorf
Bonn
(2 bs)
WÜRTTEMBERG BADEN-
WÜRTTEMBERG
München
Gottmadingen
GrenzachWyhlen
Gottmadingen
Konstanz
Rheinfelden
Grenzach- Rheinfelden
Augsburg
München
Konstanz
Wyhlen
bs)
(3 bs)
Alzenau (2 bs)
Rüsselsheim
BAYERN
Weiterstadt (2 bs)
Darmstadt
Heusenstamm
Alzenau (2 bs)
RHEINLANDPFALZ
Weiterstadt (2 bs)
Lampertheim
RHEINLAND-
HESSEN
Darmstadt
BAYERN
BADENW ÜRTTEMBERG
Heidelberg
HESSEN
Mannheim
Lampertheim
SAARLAND
Wuppertal
Düsseldorf (4 bs)
bach
Bad Soden
Rüsselshei
m Hanau
Eschbor
n
Frankfurt
(2 bs)
(21 bs)
Kelsterbach (2 bs)
Heusenstamm
Offenbach
PFALZ
HESSEN
Frankfurt Hanau BAYERN
Worms Wiesbaden
Mainz m Darmstadt
Mannhei
LudwigshafenPFAL
Nürnberg
Z (3 bs)
RHEINLAND-
Duisburg
Herne
(3 bs)
Bochum
m
Krefeld Mülhei
Ratingen Essen (2 bs)
(3 bs)
Bad Homburg
(2 bs)
Oberursel (2 bs)
Kronberg
SchwalBad Vibel
bach
Bad Soden
Hanau
(3
HESSEN Eschborn
Frankfurt
(2 bs) Bad Hombur
g
(2
bs)
(21
bs)
Oberursel
Kelsterbach
(2 bs)(2 bs)
Kronberg
Schwal- Offenbach
Bad Vibel
BADENW ÜRTTEMBERG
Heidelberg
Mannheim
Münchsmünster
Münchsmünster
BAYERN
BAYERN
Augsburg
Augsburg
Freising
Freising
Hallbergmoos
Hallbergmoos
München
(6 bs)
München (6 bs)
Pullach
Pullach
Taufkirchen
Taufkirchen
Trostberg
Trostberg
Listed below are some of the firms where we have bankshops:
SCHLESWIG-
Hemmingstedt
Itzehoe
HOLSTEI N
MECKLENBURG-
HESSEN
Cognis Deutschland
Accenture
Ahrensburg VORPOMMERN
BadGmbH
Homburg& Co. KG
(2 bs)
Oberursel (2 bs)
Hamburg
Adam
Condor
Flugdienst GmbH
(9 bs) Opel AG
Kronberg
Bad Vibel
Bremen ALD Vacuum Technologies AG
Danet
GmbHSchwal
bach
Bad Soden
Hanau (3 bs)
Allg. Gold- und Silberscheideanstalt
AG Degussa AG
Eschborn
BRANDENBURG
NIEDERSACHSEN
Frankfurt
(2 bs)
Berlin
Hannover
Deutsche
Lufthansa(21
AG
bs)
Lemförde
Kelsterbach
(2 bs)
(4 bs)
(2 bs)Applied Films Corp.
Offenbach
Arcelor
Deutsche Reisebüro GmbH
Salzgitte
r Bremen GmbH
SACHSENEisenhüttenstadt
Halle
Asklepios
Kliniken
GmbH
Deutsche Rüsselshei
TelekommAG
T
ANHAL
NORDRHEIN- Künsebeck
Langelshei
m AG
PaderbornAsta
WESTFALE N
Medica
DOW Olefinverbund GmbH
(5 bs)
uisburg Bochum
Du PontHeusenstamm
de Nemours Alzenau
Deutschland
Avaya Schkopau
Tenovis GmbH & Co KG
(2 bs)
Arnsberg
eld
Essen IserlohnRadebeul
Colditz
GmbH
(2 bs)
Kassel Axel Springer AG
eldorf
Letmathe
BAYERN
Weiterstadt (2 bs)
Köln
Dresden
elbion AG
GmbH
Darmstadt
Marburg Basell PolyolefinsSACHSEN
T HÜRINGEN
RHEINLANDBonn
BASF AG
EnBW Energie Baden-Württenberg AG
HESSEN
PFALZ
HESSEN
Baxter Oncology GmbH
Ernst & Young
AG
RHEINLAND- Frankfurt
Lampertheim
Hanau Bayer AG
Ferro GmbH
Wiesbaden
Mainz
BADENDarmstadt Bayer CropScience AG
PFAL Z (3 bs)
Fraport AG
BAYERN
Mannheim
W ÜRTTEMBERG
Worms
Heidelberg
Benteler
AG
Goldschmidt
AG
Mannhei
m
Ludwigshafen
Nürnberg
(3 bs)
(2 bs)
Gruner + Jahr AG & Co KG
SAARLAND
Östringen Celanese AG
Karlsruhe
Wassertrüdingen
Bruchsal
Chemetall GmbH
Henkel KGaA Münchsmünster
(3 bs)
SchwäbischPforzheim
Ciba
Spezialitätenchemie
GmbH
Heraeus GmbH
BAYERN
Gmünd
Stuttgart
(2 bs)
Clariant
GmbH
Hexal Pharma GmbH
Augsburg
BADENWÜRTTEMBERG
Freising
Augsburg
München
Gottmadingen
GrenzachWyhlen
Rheinfelden
Konstanz
Perstorp Chemicals GmbH
Prinovis GmbH & Co KG
Procter & Gamble Service GmbH
RAG Aktiengesellschaft
Röhm GmbH
RWE-Nukem GmbH
Sachtleben Chemie GmbH
Sanofi-Aventis Deutschland GmbH
SCA Hygiene Products GmbH
Schwarzkopf & Henkel GmbH
Shell Deutschland Oil GmbH
Siemens AG
Sofotec GmbH & Co KG
Stockhausen GmbH
Thomas Cook AG
Ticona GmbH
Umicore Galvanotechnik GmbH
Vacuumschmelze GmbH & Co KG
Zentaris GmbH
Zimmer AG
Hallbergmoos
München (6 bs)
Pullach
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HT Troplast AG
IBM Deutschland GmbH
INEOS Paraform GmbH
Infraserv GmbH
Invista (Deutschland) GmbH
K+S Aktiengesellschaft
IVG Immobilien GmbH
Lahmeyer International GmbH
Lentjes GmbH
Leybold Optics GmbH
Lufthansa Cargo AG
Lurgi AG
Meda Pharma GmbH & Co. KG
Medizinische Hochschule Hannover
Michelin Reifenwerke KgaA
Montblanc Deutschland GmbH
Nestlé Deutschland AG
Norddeutsche Affinerie AG
OTIS GmbH & Co. OHG
Outokumpu Technology GmbH
Taufkirchen
Trostberg
02.04.2007 14:01:45 Uhr
Contact
Degussa Bank
Theodor-Heuss-Allee 74
60486 Frankfurt am Main
Postfach 20 01 23
60605 Frankfurt am Main
Phone:
069 / 3600 - 2222
069 / 3600 - 5555 (Customer Support)
Fax:
069 / 3600 - 2770
E-mail: [email protected]
Internet: www.degussa-bank.de
Affiliated to
Bankenverband Hessen e.V., Frankfurt
Bundesverband deutscher Banken e.V.
Deposit Guarantee Fund
Your local contact person
Subsidiaries of Degussa Bank
Our partner for
insurance and retirement planning
INDUSTRIA
Bau- und Vermietungsgesellschaft mbH
Theodor-Heuss-Allee 74
60486 Frankfurt am Main
PRINAS
Assekuranz Service GmbH
Huyssenallee 100
45128 Essen
Phone:
Phone:
069 / 83 83 - 98 0 (Head Office)
0800 / 83 83 - 888 (Customer Support)
Fax:
069 / 83 77 - 99
E-mail: [email protected]
Internet: www.industria-gmbh.de
Imagebroschuere_englisch.indd 12
0201 / 801 - 3140
0180 / 503 - 2110 (Customer Support)
Fax:
0201 / 801 - 3111
E-mail: [email protected]
Internet: www.prinas.de
M-01-017 Issued: 02/2007
Our partner for
home ownership and investment properties
02.04.2007 14:01:48 Uhr