# Kreissparkasse Birkenfeld

Kreissparkasse Birkenfeld is a Bank / Wealth / Trust based in Idar-Oberstein, Germany.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Idar-Oberstein, Germany
- **Region:** Europe
- **Address:** Idar-Oberstein, Germany
- **Founded:** 1842
- **Assets under management:** Undisclosed
- **Website:** ksk-birkenfeld.de
- **LinkedIn:** https://www.linkedin.com/company/kreissparkasse-birkenfeld

## Regulatory record

- **Reports private funds:** No

## Questions

### How is the firm regulated?

Kreissparkasse Birkenfeld is regulated by the German Federal Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank, and is a member of the Sparkassen-Finanzgruppe's institutional protection scheme, which provides a mutual guarantee system among member Sparkassen. It is also supervised by the Savings Banks Association of Rhineland-Palatinate. Deposits are protected by the statutory German deposit guarantee scheme plus the additional voluntary guarantee fund of the Sparkassen-Finanzgruppe.

### Does the firm invest outside its home district?

Under the Regionalprinzip (regional principle) binding all German Sparkassen, Kreissparkasse Birkenfeld is restricted from lending or opening branches outside the Birkenfeld district. Its securities portfolio, however, has no such geographic constraint, though the composition is not publicly disclosed. The institution does not operate a venture capital arm, private equity allocation, or international real estate program — its investment function is overwhelmingly bank-intermediated lending within a defined local perimeter.

### What is the relationship with the broader Sparkassen-Finanzgruppe?

Kreissparkasse Birkenfeld is an independent legal entity under German public law, not a branch of a national bank. It participates in the Sparkassen-Finanzgruppe, a network of roughly 350 savings banks, regional Landesbanken, and specialized service providers such as DekaBank for asset management and LBS for building society products. This network provides shared IT infrastructure, a mutual guarantee system, and centralized product development, but asset allocation, risk management, and profit retention remain at the individual Sparkasse level.

## Related profiles

- [Kredere Wealth Partner](https://altss.com/profile/kredere-wealth-partner)
- [Kreissparkasse Herzogtum Lauenburg](https://altss.com/profile/kreissparkasse-herzogtum-lauenburg)

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Last updated: 2026-07-06T01:19:42.314Z

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