DZ BANK was formed following the merger between the two co-operative central banks GZ-Bank and DG BANK on 1st September 2001. DZ BANK, in the banking centre Frankfurt, is the fifth largest bank in Germany. It is the central bank for 1,100 Volksbanken and Raiffeisenbanken and is a Verbund-oriented commercial bank in Germany and abroad. DZ BANK can therefore call on the experiences of over 100 years of history.