Kreissparkasse Miesbach-tegernsee

What Kreissparkasse Miesbach-tegernsee does

Kreissparkasse Miesbach-Tegernsee is a German public savings bank (Sparkasse) organized as a public law institution (Anstalt des öffentlichen Rechts), headquartered at Bahnhofplatz 2, 83714 Miesbach, and serving the Miesbach-Tegernsee district in Upper Bavaria. It is supervised by the European Central Bank and BaFin, registered with Amtsgericht München under HRA 75619, and is a member of the Sparkassen-Finanzgruppe and the German Savings Banks Association (DSGV). The bank operates six branches across the Oberland region — Miesbach (headquarters), Holzkirchen, Gmund, Tegernsee, Rottach-Egern, and Schliersee — alongside online banking with SSL encryption and a website featuring regional storytelling, event listings, and career content.

The product portfolio spans core retail and commercial banking (deposits, lending, accounts) and a flagship Private Banking division built around six sub-modules: Vermögensoptimierung (Asset Optimization), Zukunftssicherung (Future Security), Risikoabsicherung (Risk Protection), Immobilienmanagement (Real Estate Management), Generationenmanagement (Generational Management), and Unternehmer und Gewerbekunden (Business and Commercial Clients). Service delivery is supported by an in-house Private Banking team and a broad partner ecosystem including Sparkassen-Finanzgruppe affiliates (Deka, BayernLB, LBBW, LBS, Versicherungskammer Bayern) and specialist providers (Frankfurter Bankgesellschaft, Flossbach von Storch, J.P. Morgan Asset Management, iShares by BlackRock). Beyond core banking, the bank operates community programs branded as "Beyond Finance" — including the FIT Forum for regional dialogue, Open Horizons youth sailing, Fablab Oberland makerspace, and Community Ride cycling event — positioning the institution as a regional civic anchor.

Revenue is generated through three streams: interest income on loans and deposits, recurring advisory and management fees from Private Banking and wealth management, and transaction/account fees from standard banking services. Pricing follows Sparkassen tariff structures, with Private Banking services offered on a personalized consultation basis. The go-to-market is sales-led and relationship-based, relying on in-person advisory across branches and dedicated relationship managers. As a regulated public institution, the bank pursues a regional development mandate alongside commercial banking, and its competitive position rests on regulatory status, multi-branch distribution, Sparkassen-Finanzgruppe ecosystem access, and deep regional brand equity rather than on proprietary technology or AI capability — none of which is disclosed in the input.

Name

Kreissparkasse Miesbach-tegernsee

Legal name

Kreissparkasse Miesbach-Tegernsee

Website

https://die-ksk-mbteg.de

Company type

Private

Founded year

1835

Operating status

Operating

Headcount range

51–100 employees

Short description

Kreissparkasse Miesbach-Tegernsee is a German public savings bank serving the Miesbach-Tegernsee district in Upper Bavaria, offering core retail and business banking plus a flagship Private Banking wealth management service across six regional branches.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218), Portfolio Management and Investment Advice (523940)

SIC

Savings Institutions, Not Federally Chartered (6036), Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

akta.pro secondary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Retail banking services
• Private banking services
• Wealth management advisory
• Regional savings banking
• Commercial banking services

Headquarters

HQ city

Miesbach

HQ country

Germany

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans and deposits
2. Advisory and Management Fees: Fees from private banking advisory services, wealth management, and financial planning
3. Transaction and Account Fees: Account maintenance fees, transaction charges, and banking service commissions

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Kreissparkasse Miesbach-Tegernsee is a regional German savings bank (Sparkasse) operating as a public law institution (Anstalt des öffentlichen Rechts). It provides deposit accounts, lending, payment services, insurance, and financial advisory to retail and business customers across the Oberland region in Upper Bavaria. Its flagship Private Banking division offers wealth management, estate planning, retirement, risk protection, real estate, and succession advisory through six specialized modules.

Product overview

Kreissparkasse Miesbach-Tegernsee operates as a regional public-law banking institution (Anstalt des öffentlichen Rechts) offering a unified banking platform with multiple service divisions. The core banking services include deposit accounts, lending, and financial advisory for retail and business customers. The Private Banking division represents the flagship premium wealth management service featuring six specialized sub-modules: Vermögensoptimierung (Asset Optimization), Zukunftssicherung (Future Security), Risikoabsicherung (Risk Protection), Immobilienmanagement (Real Estate Management), Generationenmanagement (Generational Management), and Unternehmer und Gewerbekunden (Business and Commercial Clients). Beyond financial services, the institution operates community engagement programs including the Beyond Finance initiative supporting regional clubs, schools, and cultural organizations, the annual FIT Forum for regional dialogue, and supported initiatives like Open Horizons (youth sailing program) and Fablab Oberland (makerspace). Career offerings include apprenticeships, internships, and direct entry positions. The institution has multiple branch locations throughout the Oberland region including Holzkirchen, Gmund, Tegernsee, Rottach-Egern, Miesbach, and Schliersee.

Differentiator

Problem solved

Functional benefit

Products and services

• Banking Services Core banking services including deposit accounts, lending, and financial advisory for retail and business customers in the Miesbach-Tegernsee region.
• Private Banking Comprehensive wealth management service for high-net-worth individuals, featuring personalized financial strategies, portfolio management, and intergenerational wealth planning.
• Vermögensoptimierung (Asset Optimization) Comprehensive overview of total assets, liquidity management, risk-return evaluation, wealth accumulation, and ongoing asset management.
• Zukunftssicherung (Future Security) Retirement planning services including private and company pension schemes, family protection, real estate planning for retirement, and maintaining future living standards.
• Risikoabsicherung (Risk Protection) Insurance and risk management solutions covering family protection, income security, asset protection, and health-related coverage.
• Immobilienmanagement (Real Estate Management) Comprehensive real estate services including portfolio management, valuation, financing, purchase and sale, risk coverage, transfers, and modernization for value preservation.
• Generationenmanagement (Generational Management) Wealth succession and inheritance planning services including powers of attorney, estate succession, business succession, wills, executor services, survivor protection, foundations, and gifts.
• Unternehmer und Gewerbekunden (Business and Commercial Clients) Specialized banking services for entrepreneurs and commercial customers including credit solutions, financing with promotional support, financial planning, and succession planning.

Quantifiable outcome

• Supporting regional clubs, schools, initiatives, culture, sports and volunteering through the Beyond Finance program

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Frankfurter BankgesellschaftcoreStrategic or Co-development PartnerStrategic banking partner providing access to broader financial services network and institutional investment products for Private Banking clients.
• Sparkassen Immobilien Vermittlungs-GmbHcoreChannel Partner/ Reseller/ DistributorReal estate services partner for property valuation, buying, selling, and portfolio management services for clients.
• Forum Innovation TransformationminorStrategic or Co-development PartnerInnovation and transformation consultancy supporting regional business development and digitalization initiatives.
• Flossbach von StorchcoreStrategic or Co-development PartnerAsset management partner providing investment solutions and fund products for wealth management clients.
• DekacoreStrategic or Co-development PartnerInvestment funds and asset management partner of the Sparkassen-Finanzgruppe, providing retail and institutional investment products.
• Versicherungskammer BayerncoreStrategic or Co-development PartnerInsurance partner providing comprehensive insurance solutions for risk protection and coverage needs of private and business clients.
• iShares by BlackRockminorStrategic or Co-development PartnerExchange-traded fund (ETF) provider for cost-efficient investment solutions in client portfolios.
• LBBW (Landesbank Baden-Württemberg)coreStrategic or Co-development PartnerRegional state bank partner providing wholesale banking services, capital market products, and institutional services.
• BayernLBcoreStrategic or Co-development PartnerBavarian state bank partner providing corporate banking, real estate finance, and capital market solutions.
• J.P. Morgan Asset ManagementcoreStrategic or Co-development PartnerGlobal asset management firm providing institutional investment expertise and products for Private Banking clients.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerThe broader Sparkasse financial group network providing shared services, product range, and collective brand strength.
• LBS (Landesbausparkasse)minorStrategic or Co-development PartnerBuilding society partner for real estate financing and construction savings products.

Scale indicators3 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Deutsche Bank: Germany's largest private bank with significant wealth management (Deutsche Bank Wealth Management) and private banking presence. Competes for the same affluent Tegernsee-area clientele with broader international capabilities and institutional-grade investment products.
• Stadtsparkasse München: Munich's municipal Sparkasse and one of Germany's largest savings banks. Operates the same Sparkasse model but with significantly larger scale, broader geographic reach, and more sophisticated digital and wealth management capabilities.
• Hamburger Sparkasse (Haspa): Germany's largest Sparkasse by total assets, serving the Hamburg metropolitan area. Operates the same public-law Sparkasse model but with much broader geographic scope, larger balance sheet, and more developed digital capabilities.
• ING-DiBa: Germany's largest direct bank and a major competitor for retail deposits, brokerage, and consumer lending. Represents the digital-native competitive threat that regional Sparkassen face in deposit gathering and younger customer segments.

Direct peers

• Sparkasse Rosenheim-Bad Aibling: Adjacent regional Sparkasse in Upper Bavaria serving the Rosenheim-Bad Aibling district. Operates the same public-law Sparkasse model with comparable retail, business, and private banking services in a similarly sized Upper Bavarian district.
• Volksbank Raiffeisenbank Oberland eG: Local cooperative bank (Volksbank) also operating in the Oberland region of Upper Bavaria. Competes directly for retail, business, and private banking customers using the parallel cooperative banking model with similar branch-based distribution.
• Sparkasse Berchtesgadener Land: Regional Kreissparkasse in Upper Bavaria serving the Berchtesgadener Land district. Same regional Sparkasse operating model, public-law institution status, and Sparkassen-Finanzgruppe membership, with comparable scale and customer profile.
• Kreissparkasse München Starnberg Ebersberg: Neighboring Kreissparkasse in Upper Bavaria serving the adjacent Munich-area districts with the same public-law Sparkasse model, branch-based distribution, and Sparkassen-Finanzgruppe affiliation. Most directly comparable regional Sparkasse peer.

Regional players

• Sparkasse KölnBonn: Large regional Sparkasse serving the Cologne-Bonn metropolitan area in North Rhine-Westphalia. Operates the same Sparkasse model but in a completely different German region with urban rather than rural affluent customer base.
• Sparkasse Nürnberg: Large regional Sparkasse serving the Nuremberg metropolitan area in Middle Franconia. Same public-law Sparkasse model and product suite, but operates in a different geographic region (Franconia vs. Upper Bavaria) and serves a larger urban-influenced market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/KreissparkasseMiesbachTegernsee
• LinkedInlinkedin.com/company/kreissparkasse-miesbach-tegernsee

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Kreissparkasse Miesbach-tegernsee