An integration of the Verbundbank into either Helaba or the savings banks sector was organised by the savings banks associations after it had become evident that the profitability of the Verbundbank – if run on a stand-alone basis – could be expected to be rather low, with a return on equity ranging from [2.0-3.0]% to [4.0-5.0]%.
Hoiupankade liidud algatasid ühendpanga ühendamise Helaba või hoiupankade sektoriga pärast seda, kui selgus, et iseseisva ühendpanga kasumlikkus oleks suhteliselt madal ja tema omakapitali tootlus oleks vahemikus [2,0–3,0] % kuni [4,0–5,0] %.