BBBank

The **BBBank eG** a baya an San shi da sunan (*Badische Beamtenbank*) Bankin.

German cooperative bmai andikwkta ad in Karlsruhe (Baden-WürttemberYa ta'allaka ne a kasuwancin Banking da kimar jari da ya kai kusan.

almost 11 bidaokuma os and ona ver 470.,Bankin yana daya daga cikin manyan bankunan kasar er banks in Gerany.

## Bayanan martaba.
Bankin yana tsaye a cikin al'adar *Deutsche Beamtenbanken* (bankunan ma'aikatan gwamnatin Jamus). Ga abokan cinikin ɓangaren gwamnati akwai ƙwararru a cikin rassan da *Bankin Direkt* . Tun daga ƙarshen shekara ta 1960 masu zaman kansu na duk sana'o'i na iya zama membobi.

Tare da rassa sama da 130 BBBank shine kawai bankin kasuwanci na haɗin gwiwa wanda ke hidimar yankin kasuwanci na ƙasa baki ɗaya. A wuraren da babu reshe na gida ana iya samun damar banki ta yanar gizo ta *bankin Direkt ɗin sa.*

Tsarin kasuwancin BBBank shine ƙirar ƙarancin haɗari wanda ke da niyyar dorewa. A matsayin Cibiyar haɗin gwiwa babu buƙatar masu hannun jari da ake buƙatar la'akari.  Bankin zai iya mai da hankali kan bukatun abokan ciniki waɗanda bisa ga ƙa'idodin su ma membobi ne da masu haɗin bankin.

BBBank memba ne na CashPool da *Bankcard-Servicenetz* (cibiyar sadarwar katin katin banki) 

## Tarihi.

### 1921-1969
A ranar 12 ga Nuwamba shekara ta 1921 aka kafa BBBank a matsayin cibiyar taimakon kai don hidimar jama'a a Karlsruhe. *Badische Beamten-Genossenschaftsbank eGmbH* (bankin hadin gwiwa na Baden don ma'aikatan gwamnati) kamar yadda ake kiran BBBank a wancan lokacin, ya fara aiki a ranar 1 ga Janairun acikin shekara ta 1922 tare da membobi 33 da suka kafa a wani karamin daki a cikin House Nowackanlage 19. Tuni shekaru biyu bayan haka aka sayi ginin akan Waldstraße 1, wanda har yau yana cikin babban ofishin BBBank.

*Badische Beamtenbank ya* fito daga rikicin ƙasa baki ɗaya a cikin shekara ta 1920s: Kusan ba komai bane babban sufeto na gidan waya Gotthold Mayer  tare da ƙaramin gungun abokan aiki suka kafa bankin haɗin gwiwa. Abinda ya jawo shine ɗaya daga cikin abokan aikin Gotthold Mayers waɗanda ke son gina gida amma bankinsa bai amince da lamunin sa ba, wanda a wancan lokacin ba sabon abu bane. A wancan lokacin ba a yi imanin ma'aikatan gwamnati sun cancanci daraja ba.

Manufofin Gotthold Mayers da nufin baiwa ma’aikatan gwamnati dama su saka hannun jarin albashin da ba su yi amfani da su nan take ba cikin aminci da saka hannun jari. Duk ma'amalolin biyan kuɗi ya zama kyauta ga duk membobin. Bidi'a ita ce ta ba da rance ga ma'aikatan gwamnati ta hanyar saka hannun jari da ma'aikatan gwamnati ke yi. Ta hanyar wannan tsari gaba ɗaya sana'ar ta zama abin gaskatawa wanda har zuwa wannan lokacin ba ta da ɗan dama kaɗan don samun lamuni. Bugu da kari, ribar ta kasance don amfanin memba.

Tare da kwace ikon 'yan Nazi a cikin Janairu a cikin shekara ta 1933 dole ne ma’aikatan farar hula su yarda da asara a yayin *Gleichschaltung* (tilasta bin doka) An yanke shawarar haɗin kai na taimakon kai da son kai don sabbin manufofin gwamnatoci. A watan Afrilu a cikin shekara ta 1933 Gotthold Mayer ya sauka daga mukaminsa na shugaban. Koyaya, a farkon shekara ta 1946 ya sami damar dawo da jagorancin *Badischen Beamtenbank* da kewaya Cibiyar ta cikin shekaru masu wahala bayan yaƙin da sake fasalin kuɗin. Sai kawai a cikin shekara ta 1967 wanda ya kafa bankin ya yi ritaya yana da shekaru 80. A wannan lokacin bankin yana da membobi 136,000 da rassa 14 kuma shine babban haɗin gwiwar bashi a Turai. Gotthold Mayer ya kasance shugaban bankin na girmamawa har zuwa rasuwarsa ranar 7 ga Fabrairu a cikin shekara ta 1970. 

### 1969–2005
A cikin shekara ta 1969 an buɗe da'irar membobi. Yanzu ba ma’aikatan gwamnati kadai ba har ma da ma’aikatan wasu sana’o’i sun sami damar zama membobin bankin BBB

A cikin shekara ta 1990 dukiyar bankin ta kai Deutsche Mark na biliyan 5. A cikin 1992 bankin ya buɗe reshe a Dresden kuma a cikin shekara ta 1994 a Berlin, inda aka buɗe wasu rassa biyu a cikin shekara tab1997. A cikin shekara ta 1997 bankin ya kasance memba mai hikima babban bankin haɗin gwiwa a Turai tare da jimlar kadarorin kusan biliyan 9 na DM.

A cikin shekara ta 1999 sake *canza sunan daga Badische Beamtenbank* zuwa BBBank na yau ya faru.

Daga shekara ta 1972 zuwa ta 2005 bankunan haɗin gwiwa guda biyar masu zaman kansu sun zo ƙarƙashin laima na Badische Beamtenbanks: *Hessische Beamtenbank* ( Darmstadt ) *Südwestdeutsche Beamtenbank* ( Frankfurt am Main) *Beamtenbank zu Köln*, *Bankin Bayerische Beamten* da ƙarshe *Schleswigten-Holsteinische Beban.* Tun daga wannan lokacin BBBank shine kawai bankin ma'aikatan gwamnati a Jamus. 

### BBBank a yau
A yau BBBank ya haɗu da fa'idar *Bankin Direkt* kamar farashi da banki na kan layi tare da fa'ida da kusancin wani reshe na gida. Cibiyar sadarwa mai rassa sama da 100 a cikin dukkan jihohi 16 da *Bankin Direkt* - da sabis na banki na kan layi gami da wayoyin salula da kwamfutar hannu suna haifar da kusanci da isa ga abokin ciniki. Bankin har yanzu yana mai da hankali kan bankin siyarwa kuma yana ba da duk samfura da sabis na bankin duniya na zamani.

A cikin shekara ta 2011 an ba bankin takardar shaidar *berufundfamilie* (aikin duba da dangi)  a karon farko ta hanyar sadaka *Hertie-Stiftung* (Gidauniyar Hertie)  Binciken ya duba abubuwan da ake da su da kuma shirye-shiryen BBBank don dacewa da dangi da aiki cikin mahallin tsarin kula da albarkatun ɗan adam . Bankin a halin yanzu yana ba da matsayi na ɗan lokaci da sassaucin lokutan aiki. Kima a wannan yanki kusan 25%. Duk da haka, wannan ba koyaushe ya ƙunshi matasa uwaye da ubanni ba. Wasu membobin ma'aikata suna ɗaukar tayin bankunan don kula da dangi da ke dogaro da kulawa. Tun daga wannan lokacin ake tabbatar da takaddar akai akai.a ƙarshe shekara ta 2017.

## Asusun kashe gobara da sata
An riga an yi la'akari da shingen gidan masu zaman kansu game da gobara, ɓarna da ɓarna da ɓarna irin wannan muhimmin al'amari a cikin kwanakin bankin, cewa an kafa inshora ga abokan ciniki da membobin BBBank, *Feuer -und Einbruchschadenkasse VVaG* (wuta da asusu na lalacewar sata) Inshorar ta dogara ne akan ƙa'idar haɗin kai kamar yadda aka saba don inshorar juna. Ana amfani da jimlar duk kuɗin shiga memba don rama abubuwan da suka shafi lalacewar har sai an gama amfani da duk kuɗin. Kawai sai a ɗaga rabon abin da aka tabbatar, wanda yawanci yana faruwa kowace shekara huɗu. Ta wannan hanyar membobi suna jin daɗin lokacin ba da gudummawa na shekaru huɗu da cikakken ɗaukar hoto a lokaci guda. 

## Nassoshi

## Hanyoyin waje

* Yanar Gizo
* Documents and clippings about BBBank