Finanzgruppe Sparkassenstiftung


Three main principles guide the Sparkassenstiftung's work - partnership based on mutual trust, the transfer of the key success-generating factors of the Sparkassen-Finanzgruppe and the implementation of practice-oriented solutions.


Counterpart institutions are not perceived as clients but as partners. Based on mutual trust, the Sparkassenstiftung helps establish long-term relationships between members of the Sparkassen-Finanzgruppe and foreign partner institutions.

Key Factors of Success

In its 200-year history, the German Sparkassen have evolved into the most successful mainstay of the German banking sector. The nationwide Sparkassen branch network offers an unrivalled closeness to customers, most of whom are local citizens and SMEs, and an in-depth knowledge of their needs. Since they operate locally, Sparkassen also share their stakeholders' interest in a healthy local economy: savings deposited locally are re-invested via loans in the same region. And although the Sparkassen-Finanzgruppe consists of a large number of legally and economically independent companies, efficient networking and economies of scale enable it to exploit existing earnings potential to the full.

Even if the general environment in Germany may differ strongly from developing and transition countries, these key success-determining factors can be transferred to and aligned with the local environment in another country to maximum effect.

Practice-oriented Solutions

The Sparkassenstiftung's advantage is that it draws directly upon the practical experience of Germany's Sparkassen-Finanzgruppe and its highly experienced staff members. Seconded practitioners with hands-on experience and state-of-the-art knowledge work together with local Sparkassenstiftung-trained experts to develop and implement practice-oriented solutions - thus generating a high level of acceptance and securing long-term project sustainability.