Become a member

As a cooperative bank, only one thing matters to us: our commitment to our members. You are what makes us unique. Watch the video to find out why.

Cooperative banks are carried forward by their members, and are bound to them in a very particular way through their cooperative remit – §1 of the German Cooperatives Act even regulates the binding nature of this association. As a member, you are not just a client but a co-owner of BIB. This also applies to companies, associations and corporations.

To become a BIB member, you need to apply for membership. The Management Board will decide if you can join. Once you join, as a new member, you pledge to subscribe to one or more shares. The maximum number of shares you can acquire is regulated in the bank's articles of association. Upon written declaration of membership and approval of your membership by the cooperative bank, you will become a member and also a part-owner of the bank.

As a co-owner, you are entitled to comprehensive transparency and information. The Management Board reports on all significant factors relating to BIB corporate policy at the Annual General Meeting. You can also contact your bank at any time or read the annual report on business activities.

As a part-owner, you play a decisive role in shaping BIB's corporate policy as you have the right to vote at the General Meeting and in representative elections. For example, the General Meeting approves the financial statements, determines how net profits are to be used and decides who sits on the supervisory committees.

The democratic principle applies to the General Meeting: one member, one vote – regardless of how many shares you hold. You cannot buy a majority vote from us. Everyone has an influence, but no one can control someone else or have more power than anyone else.

"Things that are impossible for one person acting alone can often be achieved by many people acting together." This is the founding principle behind every cooperative. Cooperation and solidarity are the basis for joint success. Become a member of BIB and play an active role.

You start benefiting from your BIB membership immediately. You can find out more about our business strategies. You can help shape the bank's policy democratically and share its economic success. A dividend on shares is usually paid once a year.

We give top priority to promoting the interests of our members. We do all that we can to fulfil your wishes and ensure that you achieve your aims.