Commerzbank coburg records strong growth

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Commerzbank coburg grew last year in terms of both private and corporate customers. Market share in real estate financing and securities business also expanded. "In coburg, we increased the net number of private customers by 461 and the number of corporate customers by 166, said branch manager susanne blob at a press conference on wednesday. An excellent year in 2017", said stefan hock, head of corporate customers in coburg, also spoke. Blob and hock see one reason for the good business development, also of the entire group, in the further expansion of digitalization. "In two years, 80 percent of all banking processes are to be digitalized", according to susanne blob. On the other hand, the personal advisory service currently provided by 27 employees at the commerzbank branch in coburg is not neglected. "90 percent of customers want this."

Heiber's tip: invest instead of save

Another reason is the fee-free checking account "that is the basis for all customer relationships". The bank branch in coburg serves a total of 11,141 private and 1,268 corporate customers in the region. Lending business also boomed thanks to real estate financing. "For this, the new credit volume amounted to almost 53 million euros in the past year", said susanne blob, which represents an increase of 41 percent. For their branch, they put the volume of customer assets under management at 112 million euros (+ 7.5 percent). What is positive in real estate financing, the currently very low interest rates remain unsatisfactory for savers. According to commerzbank economists, this development will continue for at least two more years. "If you invest your money instead of saving it, you can increase your wealth now at a manageable risk", blob stated. Even with a conservative, i.E. Low-risk investment, a 3 percent return could be achieved. More than half of the customers were treated in this way "while 46 million euros are currently lying unpaid in our savings accounts. Inflation is reducing this asset".

In the corporate customer segment, commerzbank gained 24 new business partners in the region last year, most of them smes. Stefan hock, head of corporate customers: "with our expertise in interest rate, currency and commodity hedging as well as export financing, we have a competitive advantage in business with small and medium-sized enterprises, which we will further expand in the future. Adjusted for repayments, we recorded a 10 percent increase in the volume of loans in coburg alone. This puts the coburg branch above the national average."

Commerzbank has expanded its digital offering of many banking services and products, including for corporate customers. This way, account balances, payment approvals and credits could be handled and applied for online. "We are represented in 50 countries and can thus accompany our corporate customers in global competition wherever they need us", says stefan hock. In the strongly export-oriented upper franconian economy, commerzbank is a partner of "around 530 large to very large companies".

Because we only have this one world: project for more sustainability launches

The kitzinger land in figures: with 61 percent, agriculture occupies the largest share of the land area. 22 percent are used for forestry. The settlement share is 14 percent. Two percent are covered by water.

Climatically, the district is largely located in the mainfranken basin, which is why it is warmer and drier than in the wider region. As a result, the vegetation period is 240 to 250 days, compared to the usual 210 to 230 days. The landscape diversity is enormous: the district has designated 15 nature reserves and four landscape protection areas.

A small paradise

In short: a small paradise. To ensure that this remains the case, to protect the special habitats, and not least to better meet challenges such as climate change, the district office is now launching a bavaria-wide project entitled "education for sustainable development" (BNE).

"We must continue to protect the climate!"

An unwieldy term, but one that can be summed up in one simple phrase: it’s all about sustainability. And to focus even more on environmental awareness – including the realization that there is only one earth that needs to be treated with care. A first step within the ESD project was an analysis: a specialist office carried out an inventory. The costs were close to 50,000 euros, half of which was claimed.

The office contacted 24 institutions, recorded the breakdown mentioned at the beginning of this article, concerning agriculture, forests and residential areas . The "view from the pigeons" was intended to highlight strong and weak points, develop guiding principles and ultimately provide a basis for further steps.

The results of the analysis have now been presented to the environment, transport and public transport committee, which has also taken the next step: two positions will be created for a limited period of two years in order to promote and coordinate the ESD project. The county is providing a total of 200,000 euros for this purpose. The two positions will be attached to the landscape conservation association in kitzingen. "Staying on top of climate protection is the name of the game!", emphasized district administrator tamara bischof at the meeting.

New coordination center

The next step is also clear: the new child needs a home – so the next step is to set up an ESD coordination office. After that, an environmental station could be built as a further project. A starting point from which the next projects – such as environmental education for children – could be launched. Environment and education – a powerful combination. There are already over 50 environmental stations in bavaria, seven of them in lower franconia.

During the discussion in the meeting room of the district administration office, it became clear that the project was supported across party lines and was "a good impulse". At the same time, there were complaints that there were hardly any funds available for the ESD movement wanted by the state government.

Quite well positioned

All in all, the district is already in a good position in terms of sustainability, as was made clear by the analysis. The volkshochschule has long been committed to the subject. Another beacon of sustainability is the munsterschwarzach monastery, which has been treading its own path for years and has repeatedly attracted attention with surprising projects.

There are no limits to the imagination as to what is possible. Many things are conceivable in this area. The strengthening of regional products can be just as much a focus as, for example, the fight against to-go coffee cups. The gauze. Every inhabitant in the district produced 521 kilos of waste last year – which doesn’t have much to do with sustainability either.

All over germany women of the catholic german women’s federation (KDFB) took to the streets last saturday to "set a sign with a hat".

At the suggestion of the KDFB, the adelsdorf women’s association also joined the "set a sign with a hat" campaign connected and many women came to the adelsdorf castle garden to set a sign – full of respect for their predecessors – with various hats.

Even before 1918, the KDFB, which emerged from the women’s movement in 1903, was concerned with women’s suffrage. He carried out a fundamental staatsburger educational work and set himself the goal of counteracting the social disadvantage of women and improving their living conditions. 100 years ago, it helped motivate women to vote or stand for election. You can only take your hat off to this performance.

Well "shepherded" forwards

The ladies of the catholic women’s association in adelsdorf also share this opinion. The idea for the campaign came from regina heyder, chairwoman of the KDFB’s theological commission, and ulrike gerdiken, the representative of the individual members at the federal level. You were at the visit of an exhibition with the title "women’s departure into modern politics – from women’s rights to women’s mandates" they noticed that at that time all the women who fought for the right to vote were "sheltered" and because the KDFB was often referred to as the "association of ladies in hats" the idea of making the hat a symbol of remembrance for all women who have been politically active since then came to the two of them.

Adelsdorf women join in

Of course the women of adelsdorf were happy to join the hat call. As lovers of democracy, they also want to show their support for the committed women who oppose the tendencies to curtail women’s right to self-determination and co-determination.

"Fortunately, it is normal for us here to be able to get involved in politics and help shape our society, as ms. Gerdiken emphasizes", explains the spokeswoman of the adelsdorf women’s association maria zahnleiter. "Even though equality has come a long way in the last 100 years, there is still a lot to be improved, like equal pay for equal work, no discrimination because of raising children and more", maria gob adds.

90 years of the women’s federation

The KDFB adelsdorf celebrates this year, on 3. Marz, its 90th anniversary. Throughout the years, he has always stood up for women’s rights and will continue to do so. He was and is with his various activities always also a supporting pillar for the parish life in st. Stephanus.

Heiber's tip: invest instead of save

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