Aareal Bank is founded on a sound business model, which proved particularly successful in the last financial crisis.
There are two established protection schemes that apply to deposits at Aareal Bank. The deposit guarantee scheme of German banks ‒ membership of which is required by law for German banks ‒ guarantees protection for every depositor for sight, term and savings deposits up to an amount of EUR 100,000. Note: In the case of condominium owners’ associations, "per client" means that the protection ceiling applies to each owner.
Aareal Bank AG is also a member of the Deposit Protection Fund of the Association of German Banks (Einlagensicherungsfonds des Bundesverbandes deutscher Banken e.V. - BdB). This supplements the protection provided by the statutory deposit guarantee scheme. According to the current by-laws of the Deposit Protection Fund, each creditor will be compensated up to a protection ceiling of EUR 5 million (natural persons and entities treated as such) or EUR 50 million (non-financial corporations and entities treated as such), and up to a maximum of 15% of the Bank's own funds within the meaning of Article 72 CRR. From 1 January 2025, these protection ceilings will rise to EUR 3 million and EUR 30 million and a maximum of 8.75% of the Bank's own funds, and from 1 January 2030, to EUR 1 million and EUR 10 million and a maximum of 8.75% of the Bank's own funds.
The Bank will inform the client of the relevant protection ceiling upon request; the guarantee level is also available on the Internet at https://einlagensicherungsfonds.de (in German)
If you are interested in finding out more detailed information on the scope of collateralisation according to the statute of the Deposit Protection Fund, amended as at 1 January 2023, we kindly ask you to refer in particular to No. 20 of our General Terms and Conditions and to Section 6 of the statute of the Deposit Protection Fund, which you can also find at the web address provided above.