Helma Horbach-Schmitz

Volksbank Mönchengladbach eG eG is a cooperative bank, which provides financial and banking services to private and corporate clients. It offers online and mobile banking; checking accounts and credit cards; savings deposits and financial investments; loans and mortgage loans; insurances; pension and retirement plans; payment systems; corporate investments; real estate financing; business and agricultural financing; as well as company formation and corporate succession. The company was founded on January 11, 1925 and is headquartered in Moenchengladbach, Germany.

Volksbank Erkelenz eG provides banking and financial services to private and corporate clients. Its products and services include accounts and credit cards, savings and investments, loans and home finance, real estate finance, pension and insurance, as well as start-ups and succession planning. It also offers financing in the agricultural sector. The company was founded on May 27, 1957 and is headquartered in Erkelenz, Germany.