DZ BANK is the second largest bank in Germany. It is the central institution in the cooperative financial network and serves around 850 cooperative banks (and their 10,500 branch offices), each of which is a stakeholder in DZ BANK AG and which together own the majority stake. The bank conceives, develops and provides products and services aimed at every relevant customer segment for the primary banks to market, and provides them with liquidity balancing and reliable refinancing management services.