Bausparkasse Schwabisch Hall AG — Bauspar kasse der Volksbanken und Raiffeisenbanken (“BSH”) is with its approximately 6.5 million customers and around 7.2 million Bauspar contracts (i.e., home loan and savings contracts) the largest private building and loan association in Germany. BSH is one of the leading providers of residential mortgage loans in Germany. Since its foundation in 1931, BSH has been an integral part of the German cooperative banking sector. The shareholders are the German cooperative central bank DZ BANK AG, headquartered in Frankfurt am Main, and cooperative banks.
While collaborating with the German cooperative banks, BSH is present all over Germany with its field financial advisers. Together with its office staff, it provides qualified advice and support to customers. “Building and living” are at the heart of the Schwäbisch Hall Group’s business activities. In its core business segment Bausparen, BSH of fers its customers a contractual savings product that combines a predictable, (under certain condi tions) government-subsidised savings plan with an option of a fixed-interest loan. With this, it is providing an important financial instrument for accumulating own capital for a home and for pro tecting against rising interest rates.
In the second core business segment of housing financing, BSH acts as product and solution provider for its customers and partners by offering a comprehensive range of services. Thèse include BSH’s own loan products backed by Bauspar savings, traditional mortgage loans, and brokerage of cooperative banks’ real estate loans. Through its broad product portfolio, the cooperation with the German cooperative banking sector and its high quality financial advisory, BSH is a reliable partner that creates individual solutions for its customers.