Gabler-Saliter-Bank

What Gabler-Saliter-Bank does

Gabler-Saliter-Bank (legal entity: Gabler-Saliter Bankgeschäft AG) is a privately held, family-owned universal bank headquartered in Obergünzburg, Bavaria, in operation continuously since 1828 and currently in its 7th generation of Gabler family stewardship. The bank serves affluent private clients, entrepreneurs, property managers, and regional corporate customers across the Allgäu region and Baden-Württemberg, distributing services through three branches (Obergünzburg headquarters, Kempten, Babenhausen) and a representation office in Pforzheim. The product portfolio is organized into five specialized "Kontor" divisions: Finanzierungskontor (bespoke financing including multi-stage structures, business acquisition, and succession), Vermögenskontor (wealth management), Immobilienkontor (real estate services), Verwalterkontor (property management for WEGs, recommended by IVD, BVI, VDIV, and BFW Bayern), and Goldkontor (physical gold and precious metals advisory). Digital channels include the Gabler Banking App (Android/iOS), an online banking portal with electronic mailbox, and Windata-integrated business banking software, while cash access is delivered through the CashPool network of over 2,800 ATMs and thousands of supermarket cash-back points across Germany.

The business model combines traditional universal banking — interest margins on deposits and lending, plus transactional fees and commissions — with fee-based advisory across wealth, real estate, property management, and precious metals. The go-to-market motion is sales-led and personal, relying on face-to-face advisory, multi-generational client relationships, and regional reputation rather than digital acquisition; pricing is not publicly disclosed and requires direct consultation. The company is registered as an Aktiengesellschaft (AG) under German law, subject to BaFin supervision, and remains wholly family-controlled with the executive board comprising Stefan Gabler (6th generation), Stefan Lindermeir, and Stefan Blaukat following the 2023 succession from Dr. Jörg Gabler. Revenue, capital base, and earnings are not publicly disclosed.

Name

Gabler-Saliter-Bank

Legal name

Gabler-Saliter Bankgeschäft AG

Website

https://gabler-saliter-bank.de

Company type

Private

Founded year

1828

Operating status

Operating

Headcount range

11–50 employees

Short description

Gabler-Saliter-Bank is a privately held, family-owned German universal bank founded in 1828, serving affluent private clients, entrepreneurs, and property managers in Bavaria and Baden-Württemberg through specialized Kontor divisions for financing, wealth, real estate, property management, and precious metals.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110), Real Estate Credit (522292)

SIC

National Commercial Banks (6021), Loan Brokers (6163)

akta.pro primary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Private banking services
• Wealth management advisory
• Customized financing solutions
• Precious metals trading
• Property management services

Headquarters

HQ city

Obergünzburg

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Universal Banking Services: Traditional universal bank offering all standard banking services including deposit taking, lending (short-term liquidity and medium/long-term financing solutions), wealth management, and property management services. Revenue generated through interest margins, fees, and commissions.
2. Financing Kontor Services: Individualized financing solutions for demanding clients including multi-stage financing strategies and structures, business acquisition financing, and succession planning services. May include credit tranches from partner banks.
3. Precious Metals (Goldkontor): Sale of gold and precious metals in the form of coins and bars, positioned as a solid wealth preservation investment.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Gabler-Saliter-Bank is a privately-held universal private bank offering a full suite of banking services organized into specialized "Kontor" divisions: Finanzierungskontor (customized financing and credit structuring), Vermögenskontor (wealth management), Immobilienkontor (real estate services), Goldkontor (precious metals), and Verwalterkontor (property management for homeowners' associations). The bank serves demanding private clients and entrepreneurs through personal advisory at its Allgäu branches and a Baden-Württemberg representation office, supplemented by online banking, a mobile app, and CashPool network access for fee-free ATM withdrawals.

Product overview

Gabler-Saliter-Bank is a traditional private bank (Privatbank) offering a comprehensive universal banking portfolio organized into specialized "Kontor" (office) divisions. The core products include Finanzierungskontor for bespoke financing solutions, Vermögenskontor for wealth management, Immobilienkontor for real estate services, and Goldkontor for precious metals investments, along with Verwalterkontor for property management services. Digital banking is delivered through the Gabler Banking App (Android/iOS) and Onlinebanking portal with electronic mailbox and Windata integration. Card services comprise standard Giro & Debit cards with CashPool network access and GoldCard with insurance packages. The bank positions itself as a relationship-focused institution with nearly 200 years of family tradition since 1828.

Differentiator

Problem solved

Functional benefit

Brands

• Finanzierungskontor: Individual financing solutions for demanding clients with bespoke financing strategies and multi-stage financing structures
• Verwalterkontor
• Vermögenskontor
• Immobilienkontor
• Goldkontor
• Gabler Banking App

Products and services

• Finanzierungskontor

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

One partnership is on record.

• CashPoolcoreTechnology or IntegrationCashPool is a network partnership enabling Gabler-Saliter-Bank customers to withdraw cash fee-free at over 2,800 ATMs and thousands of supermarkets across Germany including Lidl, Aldi, Rewe, Penny, Edeka, Netto, Kaufland, Norma, dm, Müller, and Rossmann.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Merkur Bank: Independent German private bank offering universal banking, wealth management, and financing solutions to private and corporate clients; comparable in scale and boutique positioning.
• Quirin Privatbank: German private bank focused on affluent and HNW clients with fee-based advisory and wealth management; competes in the same affluent private client segment with similar holistic advisory positioning.
• Donner & Reuschel: Hamburg-based private bank offering universal banking, wealth management, and asset management to affluent private clients and family offices; directly comparable in service breadth and client segment.
• Bethmann Bank: Germany-focused private bank (part of ABN AMRO) serving affluent private clients and family offices with wealth management, financing, and real estate services; direct competitor in HNW advisory.
• Bankhaus Max Flessa: Family-owned German private bank with similar regional focus and universal banking service model; comparable in scale, target clientele (affluent private clients), and relationship-driven advisory approach.

Broad incumbents

• Baader Bank: German bank offering capital markets, wealth management, and banking services to private and institutional clients; broader offering but overlaps in private banking and asset management for HNW clients.
• Sparkassen: Network of public-law regional savings banks throughout Germany; dominant regional retail and SME banking competitor with universal service offerings and strong local presence in every German region.
• Berenberg: One of Germany's oldest private banks, providing wealth management, asset management, and corporate banking to HNW individuals, families, and institutions; larger but operating in the same German private banking category.
• Volksbanken Raiffeisenbanken: Cooperative banking group operating regional Volksbanken and Raiffeisenbanken across Germany; competes in the same regional retail and SME banking space with broader scale and shared infrastructure.

Emerging players

• GLS Bank: Values-driven German private bank offering universal banking with a sustainability focus; comparable in scale and target segment (affluent, values-driven private clients) though with a distinct mission angle.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gablersaliterbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gabler-Saliter-Bank