The Cooperative Financial Services Network Volkbanken and Raiffeisenbanken, as comprehensive banking institutions, offer their customers an extensive range of financial services from one source. This is ensured by close cooperation with highly-efficient specialized institutes within the Cooperative Financial Services Network such as DZ BANK Deutsche Zentral-Genossen- schaftsbank AG as central credit institution, WGZ-Bank, Bausparkasse Schwabisch Hall, R + V - Versicherungsgruppe, Union-Investment- Gruppe and Deutsche Genossenschafts- Hypothekenbank AG.