{"id":11320,"date":"2020-09-07T16:10:24","date_gmt":"2020-09-07T14:10:24","guid":{"rendered":"https:\/\/saarlb.de\/investors-information\/deposit-insurance\/"},"modified":"2025-07-01T10:07:50","modified_gmt":"2025-07-01T08:07:50","slug":"deposit-insurance","status":"publish","type":"page","link":"https:\/\/saarlb.de\/en\/investor-relations\/investors-information\/deposit-insurance\/","title":{"rendered":"Deposit insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11320\" class=\"elementor elementor-11320 elementor-1480\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c423f5 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c423f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c33d7b5\" data-id=\"c33d7b5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c4bf6a elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9c4bf6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-right\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe security of your investment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-59b0380\" data-id=\"59b0380\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdd4741 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"cdd4741\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2aff2fa4 elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"2aff2fa4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c21b6e3\" data-id=\"4c21b6e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-067c5a3 elementor-widget elementor-widget-heading\" data-id=\"067c5a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Deposit insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dec06b3 elementor-widget elementor-widget-heading\" data-id=\"dec06b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Customer deposits at Landesbank Saar (SaarLB, La Banque Franco-Allemande) and LBS Landesbausparkasse Saar are protected by the deposit insurance system of the Savings Banks Finance Group.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62f69ba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"62f69ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Customer deposits at Landesbank Saar (SaarLB, SaarLB France) and LBS Landesbausparkasse Saar are protected by the deposit insurance system of the Savings Banks Finance Group.<\/p>\n<p>The task of the deposit insurance system is to avert economic difficulties at the affiliated institutions by protecting the going concern of the member institutions. The primary objective is therefore to protect these institutions, in particular to ensure their liquidity and solvency. However, this is also intended to prevent the occurrence of a deposit insurance case and to protect customers\u2019 business relationships.<\/p>\n<p>Since the creation of the deposit insurance system in the 1970s, no member institution has become insolvent. No customer in the Savings Banks Finance Group has yet lost deposits or the interest owed on them.<br \/>The Deposit Insurance Act (Einlagensicherungsgesetz &#8211; EinSiG) entered into force in Germany on 3 July 2015. The law implements the corresponding EU directive. The Savings Banks Finance Group has realigned its tried and tested deposit insurance system to these legal requirements. It was recognised as a deposit insurance system under the Deposit Insurance Act.<\/p>\n<p><strong>1. Voluntary institutional insurance<\/strong><br \/>The primary objective of the deposit insurance system is to protect the member institutions themselves and to avert imminent or existing financial difficulties. In this way, a deposit insurance case is to be avoided and the business relationship with the customer is to be continued permanently and without restriction.<\/p>\n<p><strong>2. Statutory deposit insurance<\/strong><br \/>If, in exceptional cases, the institutional insurance does not apply, the customer has a claim against the deposit insurance system for reimbursement of their deposits up to a maximum of EUR 100,000. The Deposit Insurance Act is authoritative for this.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78710cc elementor-widget elementor-widget-html\" data-id=\"78710cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"button\" value=\"<< back\" onclick=\"history.back()\">\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a3be6b3 elementor-widget elementor-widget-spacer\" data-id=\"4a3be6b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-589ddc63 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"589ddc63\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fd3d39e\" data-id=\"1fd3d39e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cb2a7ef elementor-widget elementor-widget-heading\" data-id=\"5cb2a7ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your contact<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6516dbc9 elementor-widget elementor-widget-posts\" data-id=\"6516dbc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_content_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.full_content\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-full_content elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12537 kontakte type-kontakte status-publish hentry\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t<div class=\"elementor-post__content\"><style>.elementor-widget-uael-team-member .uael-separator{border-top-color:var( --e-global-color-accent );}.elementor-widget-uael-team-member .uael-team-member-image img{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-member-image img:hover{border-color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-name{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-desig{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-desc{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-uael-team-member .elementor-social-icon{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .elementor-social-icon:hover{border-color:var( --e-global-color-secondary );}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-team-member-image img{width:250px;border-style:none;}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-separator {width:20%;}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-separator{border-top-width:2px;}.elementor-12537 .elementor-element.elementor-element-73ea443f .elementor-social-icon{border-radius:10% 10% 10% 10%;border-style:none;}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-team-name{color:#000000;}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-team-desig{color:#000000;}.elementor-12537 .elementor-element.elementor-element-73ea443f .uael-team-desc{color:#000000;}.elementor-12537 .elementor-element.elementor-element-73ea443f .elementor-social-icon:not(:hover), .elementor-12537 .elementor-element.elementor-element-73ea443f .elementor-social-icon:not(:hover) svg{background-color:#C1BEA6;}.elementor-12537 .elementor-element.elementor-element-73ea443f .elementor-social-icon:hover, .elementor-12537 .elementor-element.elementor-element-73ea443f .elementor-social-icon:hover svg{background-color:#E95814;}:root{--page-title-display:none;}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12537\" class=\"elementor elementor-12537 elementor-1326 elementor-1326\" data-elementor-post-type=\"kontakte\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-720de38d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"720de38d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a31bcee\" data-id=\"7a31bcee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73ea443f elementor-shape-rounded uael-member-image-pos-above uael-shape-square uael-team-member-align-center elementor-widget elementor-widget-uael-team-member\" data-id=\"73ea443f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-team-member\">\n\t\t\t<div class = \"uael-team-member-wrap\">\n\t\t\t\t<div class=\"uael-member-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-image\">\n\t\t\t\t\t\t\t<div class=elementor-animation-><img loading=\"lazy\" decoding=\"async\" width=\"244\" height=\"163\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2021\/03\/Philipp-Werthmueller_web.jpg\" class=\"attachment-medium size-medium wp-image-14895\" alt=\"\" \/><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-name\">\n\t\t\t\t\t\t<h3 class=\"uael-team-name\">Philipp Werthm\u00fcller<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-designation\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desig\">Communication &amp; Media\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-separator-wrapper\">\n\t\t\t<span class=\"uael-separator\"><\/span>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-desc\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desc\">Phone: +49 681 383-1264<br \/>philipp.werthmueller@saarlb.de<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<div class=\"uael-team-social-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation- elementor-repeater-item-5c34d00\" href=\"mailto:philipp.werthmueller@saarlb.de\" target=\"_blank\" aria-label=\"Envelope\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-animation- elementor-repeater-item-a73dfc1\" href=\"tel:00496813831264\" target=\"_blank\" aria-label=\"Phone-alt\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b91be87 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"b91be87\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3203cc71\" data-id=\"3203cc71\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17099edd elementor-widget elementor-widget-image\" data-id=\"17099edd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2020\/09\/weitsicht_durch_naehe_titling.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The security of your investment Deposit insurance Customer deposits at Landesbank Saar (SaarLB, La Banque Franco-Allemande) and LBS Landesbausparkasse Saar are protected by the deposit insurance system of the Savings Banks Finance Group. Customer deposits at Landesbank Saar (SaarLB, SaarLB France) and LBS Landesbausparkasse Saar are protected by the deposit insurance system of the Savings [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":11318,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-11320","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/11320","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/comments?post=11320"}],"version-history":[{"count":0,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/11320\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/11318"}],"wp:attachment":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/media?parent=11320"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}