Einlagensicherungs- und Treuhandgesellschaft mbH

What Einlagensicherungs- und Treuhandgesellschaft mbH does

Einlagensicherungs- und Treuhandgesellschaft mbH (EIS) is a Cologne-based German limited liability company operating since 1976 in the specialized field of deposit compensation and bank-insolvency administration for the German banking sector. As a wholly-owned subsidiary of Prüfungsverband deutscher Banken e.V. (PV), the private German banks' auditing association, EIS handles execution of depositor payouts at failed banks and maintains the standardized file specifications (Spezifikation Einreicherdatei and Spezifikation Meldedatei) that German banks must use to submit depositor data in compliant formats. The company is licensed under the Rechtsdienstleistungsgesetz (RDG) and operates as a regulated legal-services provider within Germany's statutory and voluntary deposit-guarantee framework.

EIS's core technology assets are (1) "Eddies," a cross-border exchange platform that achieved ISO certification in 2016 and supports standardized depositor-data exchange; (2) ADA, an internal data system supporting EIS's processing workflows; and (3) the proprietary file specifications that function as de facto industry standards. Together these assets let EIS reconcile depositor records, execute payout procedures, and coordinate data flows between failed banks, statutory authorities, and guarantee schemes.

The business model is B2B institutional: EIS serves German banks, deposit-guarantee schemes, and the PV association through framework contracts. Revenue mechanics are not publicly disclosed. With 9 employees and a 40+ year operating history, EIS functions as a quasi-monopolistic service provider inside the German banking regulatory infrastructure rather than competing in open markets, and its revenue base is structurally tied to the size of the German deposit-guarantee system and the volume of bank-insolvency events it processes.

Name

Einlagensicherungs- und Treuhandgesellschaft mbH

Legal name

Einlagensicherungs- und Treuhandgesellschaft mbH

Website

https://eis-treuhand.de

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1–10 employees

Short description

Einlagensicherungs- und Treuhandgesellschaft mbH (EIS) is a Cologne-based German service provider that executes deposit compensation and bank-insolvency administration for German banks and the Prüfungsverband deutscher Banken e.V., operating the Eddies cross-border exchange platform and standardized depositor-data file specifications under RDG licensing.

Ownership category

akta.pro rank

Product category

Deposit Insurance and Bank Insolvency Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

akta.pro secondary industries

Payment Integrity, Audit, Appeals & Grievance Support (BPAAAFAJ), Collections, Arrears Management & Debt Enforcement (BPAIADAD)

Keywords

• Deposit guarantee services
• Bank insolvency support
• Compensation management
• Regulatory compliance services
• Banking infrastructure

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Distribution channels2 records

Marketing channels4 records

Core offering

EIS executes deposit compensation cases on behalf of German statutory (EinSiG) and voluntary deposit guarantee systems, processing bank data, determining compensable deposits, and paying out depositors within statutory deadlines. The company develops proprietary Spezifikation standards for bank data submissions, conducts ADA data quality assessments, and operates the Eddies platform for secure cross-border information exchange among EWR-area deposit guarantee systems. It also supports bank insolvency proceedings through creditors' committee participation, asset realization, and claims management.

Product overview

The Einlagensicherungs- und Treuhandgesellschaft mbH (EIS) offers a unified service platform focused on deposit insurance and bank insolvency support. The core offering is Einlegerentschädigung (deposit compensation), where EIS processes bank data and pays out depositors after compensation cases are determined. This is supported by two foundational specifications: Spezifikation Einreicherdatei (Submission File Specification) and Spezifikation Meldedatei (Reporting File Specification), which standardize data formats for timely compensation. ADA (Analysis of Data) provides quality assurance by analyzing submission files. Eddies is a secure cross-border information exchange platform for EEA deposit insurance systems. Additional services include insolvency proceedings support through creditors' committee participation and the taking over of claims/assets to accelerate proceedings. The portfolio forms an integrated system for rapid, error-free deposit compensation backed by over 40 years of experience.

Differentiator

Problem solved

Functional benefit

Brands

• Eddies: A platform enabling EWR-area members to exchange sensitive information for cross-border compensation cases, ISO certified since 2016
• Spezifikation
• ADA

Products and services

• Einlegerentschädigung (Deposit Compensation) Core service for executing deposit compensation after a compensation case is determined by a security institution. EIS processes bank data, determines compensable deposits, and pays out depositors within statutory deadlines under framework contracts with German statutory (EinSiG) and voluntary deposit guarantee systems.
• Spezifikation Einreicherdatei (Submission File Specification) A specification developed by EIS for banks on the format and quality of data required for timely deposit compensation, ensuring compliance with § 14 Abs. 2 EinSiG requirements. Banks submit data in this standardized format for EIS processing.
• Spezifikation Meldedatei (Reporting File Specification) A specification for quarterly reporting by banks to deposit insurance systems, containing aggregated information from the submission file for risk management purposes.
• Eddies Cross-Border Compensation Exchange Platform A secure platform enabling deposit insurance system members from the EEA area to exchange sensitive information for cross-border compensation cases. ISO certified since 2016, featuring two-factor authentication and encrypted bilateral Exchange Rooms.
• ADA (Analysis of Data) Regular analysis of pseudonymized SCV-Files / submission files to verify that banks can provide data in required form and quality, conducted approximately every 18 months per EBA guidelines using continuously developed validation scripts.
• Insolvenzverfahren-Unterstützung (Insolvency Proceedings Support) Support for insolvency administrators in bank insolvency proceedings through participation in creditors' committees, providing market expertise and experience in asset realization.
• Forderungen und Vermögenswerte (Claims and Assets) In selected cases, EIS takes over assets such as claims or remaining masses from insolvency proceedings to accelerate case closure and reduce costs, using RDG authorization and BDIU membership.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Prüfungsverband deutscher Banken e.V.coreOthersEIS is a 100% owned subsidiary of the Prüfungsverband deutscher Banken e.V. (PV), the German Banking Industry Association. This parent company relationship provides EIS with institutional backing and integration into the German bank auditing and guarantee system structure.
• GBB-Rating Gesellschaft für Bonitätsbeurteilung mbHminorOthersGBB-Rating is a sister company within the PV-Verbund network, providing credit rating services. While both companies operate within the same association umbrella, specific collaborative activities are not detailed in available sources.

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Others

• Bundesverband deutscher Banken (BdB): German Banking Association that administers the voluntary Einlagensicherungsfonds and operates as a sister organization to Prüfungsverband; a key counterparty in the same deposit protection ecosystem.
• Single Resolution Board (SRB): EU-level bank resolution authority that oversees recovery and resolution of failing banks in the Banking Union; adjacent to EIS's bank insolvency proceedings support and asset realization work.
• Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin): German federal financial regulator that oversees the deposit guarantee system under which EIS operates and authorises compliance frameworks, making it a key regulatory counterpart.

Direct peers

• Entschädigungseinrichtung deutscher Banken GmbH (EdB): Statutory German deposit guarantee scheme for private banks that commissions EIS to execute compensation procedures. Operates as the principal counterpart client in the same deposit compensation ecosystem.
• Financial Services Compensation Scheme (FSCS, UK): UK statutory deposit protection scheme that performs analogous deposit compensation and cross-border coordination functions to EIS, including use of the Eddies platform for EEA-wide information exchange.
• Fonds de Garantie des Dépôts et de Résolution (FGDR, France): French deposit guarantee and resolution fund that performs deposit compensation duties similar to EIS and participates in cross-border EEA coordination through shared platforms.

Broad incumbents

• Federal Deposit Insurance Corporation (FDIC, US): US federal deposit insurance corporation with a much broader mandate encompassing receivership, asset disposition, and consumer protection — overlaps with EIS's core deposit payout and insolvency support functions.

Regional players

• De Nederlandsche Bank (DNB) - Dutch DGS: Operates the Dutch deposit guarantee scheme and is an active user of the Eddies cross-border exchange platform, making it a regional peer in the same niche compensation/information-exchange service area.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xxing.com/pages/einlagensicherungs-und-treuhandgesellschaft-mbh
• LinkedInlinkedin.com/company/einlagensicherungsundtreuhandgesellschaft

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Einlagensicherungs- und Treuhandgesellschaft mbH