Ralf Kahlen

VR-Bank eG is a cooperative bank, which provides financial and banking services to private and corporate clients. It offers online banking; checking accounts and credit cards; savings deposits and investments; loan and construction financing; real estate financing; insurances; pension plans; payment systems; agricultural financing; as well as company formation and corporate succession. The company was founded on March 26, 1913 and is headquartered in Wuerselen, Germany.

Spar- und Darlehnskasse Hoengen eG was a cooperative bank, which provides financial and banking services to private and corporate clients. It offered online banking; checking accounts and credit cards; savings deposits and investments; loan and construction financing; real estate financing; insurances; pension plans; payment systems; as well as company formation and corporate succession. The company was founded by Josef Beckers, Hubert Funken, Franz Matthias Fest, Edmund Carduck, and Josef Johnen on October 28, 1894 and was headquartered in Alsdorf, Germany.