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DZ HYP. Because we can.

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Public sector

DZ HYP is a centre of competence for public-sector clients within the Cooperative Financial Network. In this function, we support cooperative banks across Germany in developing their business with regions, towns and communities, administrative districts, together with their legally dependent operations, municipal special public-law administrative unions and public-sector institutions.

We actively involve you in our financing strategies and in supporting the needs of public-sector clients. In addition, we offer you a local authority ranking comprising numerous indicators and an analysis of the strengths and weaknesses of individual local authorities within the business area. This way we are able to jointly establish the Cooperative Financial Network in the local market.

The core of our business in this segment is the granting of short-term public-sector loans and local authority loans. We involve other specialists from the DZ BANK Group in specific projects. In the case of intermediated business, we handle the entire contractual process and transfer our loan terms directly to the local authorities on your behalf.

Our range of products and services

  • Public-sector loans with fixed interest rates of up to 30 years and cash loans
  • Municipal bonds and other products of the Cooperative Financial Network
  • Support for the Volksbanks Raiffeisenbanks in regional market development


We work jointly to ensure that our clients are satisfied

  • Individual municial loan offers
  • Advice from our specialists
  • Attractive conditions
  • Regional market expertise