DekaBank

DekaBank combines banking activities with the investment expertise of the wider Deka Group. The group manages securities and real-estate investments and provides custody, administration and distribution services. Capital-market products and financing complement that investment business, including refinancing for savings banks.

Digital channels are part of how these services reach customers. Online brokerage, securities accounts and multichannel distribution allow savings banks to combine investment products with their own customer relationships. Deka Easy Access also supports institutional users in analyzing holdings and trading capital-market products electronically.

Customers need a securities account to hold investments and record purchases and sales. The Deka Group combines investment products with account administration and digital distribution through the savings-bank network. These services connect investment decisions with the records and transactions required to manage a portfolio.

The S-Invest app provides portfolio views and securities transactions for supported DekaBank and savings-bank accounts (in German). Customers can also manage savings plans and review their holdings by investment type. Integration with the Sparkasse app connects investing with the banking access customers already use.

Deka Easy Access combines market information with portfolio analysis and electronic trading for savings banks and institutional clients (in German). Users can examine holdings and trade capital-market products such as bonds and swaps. Savings banks use the platform for their own investments, which are separate from securities held for their customers.

Digital investment services bring information and transaction processing into the same workflow. A portfolio view helps users identify existing exposures before placing another order. Trading tools provide access to financial products but do not remove their market risks; asset management includes decisions about investment objectives and risk.

DekaBank combines investment services with financing for real estate and infrastructure, alongside refinancing for savings banks. Financing supplies capital for projects or banking operations, while securities services handle the administration of investments. These are distinct financial needs within the same group.

In 2024, DekaBank participated in the Eurosystem's tests of securities settlement in central bank money with SWIAT and the D7 platform of Clearstream. The historical trials included ten transactions totaling €380 million (in German). The work tested transaction roles and registration methods for tokenized securities, whose ownership records are managed using distributed-ledger technology. Central bank money supplied the cash side of the settlement.

DekaBank was on the panel on DLT-based market infrastructures at the Frankfurt Forum on Digital Assets & Applications, next to 360X, 21X and Seturion. The panel covered client needs and design choices for trading and settlement venues for tokenized securities.

DekaBank and its subsidiaries provide investment products and securities services for savings banks and their customers. The group also supports institutional investors and provides financing and capital-market services. A local savings bank can combine Deka investment services with its own customer advice and banking relationship.

Digital services include online account access and the S-Invest app. For supported accounts, customers can review holdings, buy or sell securities and manage savings plans. The relevant account and online access need to be enabled; the app connects to existing investment services.

Deka Easy Access is an information and trading platform for savings banks and institutional clients. The platform helps users analyze their own investment holdings and trade capital-market products electronically. Portfolio information supports investment decisions, while each product retains its own terms and financial risks.