Deutsche Bank

Human Resources
Report 2016

Global benefits for employees

As a key factor in attracting and retaining skilled employees, Deutsche Bank provides a broad range of benefits in addition to compensation to support employees' professional and personal development. Globally, the bank offers around 900 benefit programs focused on physical, mental and financial wellbeing as well as a healthy work-life balance.

For instance, Deutsche Bank contributes to its employees’ pension needs. In Germany, the bank supports three areas of provision in addition to statutory retirement benefits: an employer-financed direct pension commitment (contribution plan); insurance contributions which are shared by the employer and the employee; and the possibility of converting part of a salary into a company pension plan up to the amount permitted by law. Similar schemes exist for employees worldwide.

With a 97% funding ratio in 2016, Deutsche Bank again achieved its funding target of 90-100% for pension obligations, which is higher than the funding level reported by any other DAX-30 company in recent years.

participation rate in the Global Share Purchase Plan in Germany

Every year, more than 15,000 employees from branches and subsidiaries all over the world participate in Deutsche Bank’s Global Share Purchase Plan (GSPP), with employees purchasing Deutsche Bank shares in monthly installments and participating in the bank’s long-term performance. At the end of the annual purchase cycle, the bank matches the acquired shares, up to a maximum of ten free shares. In 2016, the eighth cycle, 45% of employees in Germany were enrolled. Globally, 28% of employees participated in those countries where the plan operates. Additionally, close to 4,000 employees in the UK are enrolled in the Employee Share Ownership Plan (ESOP) or the Share Incentive Plan (SIP), with an overall participation rate of approximately 43%.

Health and wellbeing

Deutsche Bank’s core long-term health offering includes preventive medical examinations, which are available in various countries including Germany, the UK, the U.S. and Spain. The examinations cover all relevant fields of prevention: internal medicine, mental health, fitness and nutrition. In 2016, employees in Germany utilized this offering with a total of more than 4,600 health examinations taking place. Reports show that the examinations contribute to improvements in fitness, blood pressure, nutrition habits and nicotine abstinence. Managers are also offered training programs and workshops on health-oriented leadership. The health rate of employees in Germany stood at 94.3% in 2016, almost unchanged from the previous year.

Health rate (Germany only)







Health rate: 100 − ((total sickness days × 100) / total regular working days)

Germany excluding primarily Postbank and BHF (sold in 2014). DB Investment Services integrated in 2016, Sal. Oppenheim integrated in 2015

In %






In addition, the Employee Assistance Program (EAP) supports staff as they deal with issues in their personal or professional lives. Confidential 24/7 support hotlines, staffed by psychologists or therapists, offer advice on family relationships, stress management and other issues. EAP, available in many locations such as Germany, the UK, the U.S., Japan and Hong Kong, may also serve as an important resource in external crises, such as natural disasters, epidemics or other threats to public safety.

Deutsche Bank provides an occupational health service and emergency services on business trips for employees globally, while conducting local initiatives on specific health topics, such as preventing heart disease (e.g. in Germany), sports injuries or mental health (e.g. in the UK).