As a central bank we serve as the subsidiary partner of about 850 local cooperative banks. We conceive, develop and provide products and services aimed at every relevant customer segment for the primary banks to market, and provide them with liquidity balancing and reliable refinancing management services.

As an internationally oriented corporate bank we serve SME customers directly and provide them with the full range of Corporate Finance products to fund both operations and investments. In Investment Banking, we are specialised in Fixed Income and private-customer-focused securities services. We put the exceptional placing power of the integrated cooperative financial services sector to work at the interface between the capital markets and the custody account institutions. Our International division provides a worldwide hub for the primary banks and their customers.

As a holding we coordinate the efforts of the cooperative sector's comprehensive range of specialised services in order to achieve synergies and grow market potentials for the benefit of our local cooperative banks. Among others Bausparkasse Schwäbisch Hall, R+V Versicherung, Union Investment, DZ HYP and VR Smart Finanz belong to the DZ BANK Group.