Inhouse Banking – Die Bank im eigenen Haus

Von Ralf Keuper

Beflügelt durch die Finanzkrise und die Fortschritte in der Informationstechnologie, sind in den letzten Jahren einige namhafte Unternehmen dazu übergegangen, eine eigene Bank für die Abwicklung des internen Zahlungsverkehrs und die Innenfinanzierung zu etablieren. Da es sich beim Inhouse Banking nur um Bankgeschäfte mit Mutterunternehmen oder Tochtergesellschaften handelt, sind diese Geschäfte gemäß KWG nicht aufsichtspflichtig, d.h. es ist keine Banklizenz nötig.

Nun ist die Errichtung einer Inhouse Bank natürlich nicht für jedes Unternehmen eine sinnvolle Alternative und auch nicht nötig. Damit sich eine Inhouse Bank lohnt, sollten die folgenden Voraussetzungen erfüllt sein:

– Mehrere Schwester- und Tochtergesellschaften

– Diverse Geschäfte mit Fremdwährung

– Hohe Liquiditätsüberschüsse oder Finanzierungsbedarf

– hohes Intercompany Zahlungsverskehrsaufkommen (ebd.)

Daneben ist die Unternehmensgröße ein weiteres wichtiges Kriterium. In der Fachpresse wird in dem Zusammenhang ein Mindestumsatz von 500 Mio. € genannt.

Der bekannteste Vertreter des Inhouse-Gedankens hierzulande dürfte wohl Siemens sein. Nur verfügt Siemens inzwischen tatsächlich über eine eigene Bank mit entsprechender Lizenz.

Parallel dazu betreibt Siemens unter dem Dach von Siemens Financial Services jedoch auch eine Inhouse Bank.

Zu den typischen Aufgaben…

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