BayernLB.The Bavarian Bank.
Content
Foreword
BayernLB. Our Bank.
Corporates & Mittelstand
Financial Markets
Savings Banks
Real Estate
BayernLabo
DKB
Office locations
Our values
4
6
8
10
12
14
16
18
20
22
3. The Bavarian Bank
“ BayernLB is a bank for customers who expect a lot. A bank as good and strong as the land it comes from.”
Johannes-Jörg Riegler, CEO
Ladies and gentlemen,
54 . The Bavarian Bank
Over the past few years BayernLB has changed. We
have gotten faster, more focused and harder hitting.
We have sharpened our profile and concentrate on
the things that we can do better than other banks.
The result is the highest quality – in our advice, our
products and our service.
One question stands at the centre of everything we
do: What do our customers need? And how can we
help them meet the challenges of the competition?
Every day we have to answer these questions again –
with the help of our deep expertise, dedication to
finding the right solution and by working closely
with our customers in a relationship built on trust.
On the following pages we want to give you an over-
view of the products we offer, the service we promise
and BayernLB’s values. Form your own opinion of the
new BayernLB. And if you’re convinced – then just come
by and talk to us. We look forward to seeing you.
Sincerely,
Johannes-Jörg Riegler
CEO
17 years
TRUST
Our average business relationship
with large corporate customers
has lasted 17 years. We are proud
of our customers’ trust and use it
to spur us on every day.
4 billion
EXPERTISE
With a total volume of over
EUR 4 bn, we are the most
successful bank in the market for
corporate Schuldschein issues.
5 billion
BUILDING
Every year we finance real estate
worth a total of EUR 5 bn in
Bavaria, Germany and abroad.
28 out of 30
CHAMPIONS
28 of the 30 DAX corporations
are customers of ours. Germany’s
industrial champions value
our reliability as a bank
and count on our solutions
in their global business.
4,000
GENERATIONS
Over 4,000 companies, many
of them family owned, trust
in BayernLB’s know-how. We
build and maintain personal
relationships with both owners
and workers – often generation
for generation.
1.8 million
LIVING
Since 1980 we have provided low-
cost, subsidised loans amounting to
EUR 12 billion through BayernLabo
for over 800,000 flats and accom-
modations in institutional facilities
for 1.8 million people in Bavaria.
400
ASSOCIATION
Over 400 savings banks in
Germany are both customers
and sales partners of BayernLB.
3 million
DIGITAL
With 3 million retail customers,
our DKB subsidiary is one
of the largest online banks
in Germany. DKB offers its
customers simple, transparent
online banking at fair terms
and conditions.
Large corporates
Mittelstand
Structured finance
Treasury products & capital markets
Financial institutions & institutionals
Asset management
Savings Banks
Municipalities & public sector
Commercial real estate
Residential property management & Management real estate
Real estate services
Retail customers
Business customers
Infrastructure
Corporates & Mittelstand
Savings Banks & Association
Real EstateFinancial Markets
BayernLB.Our Bank.
The history of our Bank goes back to the year
1884. That’s when King Ludwig II ordered the
Landeskultur-Rentenanstalt to be set up, laying
the basis for the future Bayerische Landesbank.
Today, BayernLB is one of the leading commercial
banks in Germany, located in one of Europe’s most
dynamic economic regions. Our clients include
large corporates and financial institutions, medium -
sized enterprises (the Mittelstand) and nearly
every savings bank in Germany.
In addition, we are a major nation-wide real estate lender
and a strong financial service provider for public-sector
borrowers in Bavaria. We operate in the retail banking
market through our DKB subsidiary, one of the most
innovative and successful online banks in Germany with
over 3 million customers. And through our BayernLabo
development bank we operate successfully in the
residential and urban development market.
BayernLB has over 6,840 employees and total assets of
approximately EUR 240 billion. Our head office is located
in Munich with additional offices in Stuttgart, Nuremberg,
Frankfurt, Düsseldorf, Berlin and Hamburg. We also
have offices abroad in London, Milan, Paris, Moscow
and New York. And in Asia, we serve our customers
through the German Centres in Shanghai, Taicang and
Delhi.Gurgaon. BayernLB is owned by the Free State
of Bavaria and the Bavarian savings banks.
76 . The Bavarian Bank
Whether giant corporation or hidden champion from
the Mittelstand: Companies from Bavaria and the rest
of Germany are among the best in the world. A leading
position that has to be defended again every day. That
requires clever financial planning. And a reliable bank.
A bank that understands the whole value added chain
of your company. A partner that can go with you on
the global market with expertise and enthusiasm.
We have a long tradition in corporate banking.
Decades-long business relationships, top expertise
and in-depth knowledge of a wide range of business
sectors make us a banking partner in demand. Our
financing solutions are carefully adjusted to suit the
needs of each company – and precisely aligned with
their opportunities. In that way we open new prospects
for our customers and expand their opportunities to
act – whether it be capital expenditures or optimising
their financial structures, for capital funding solutions,
M&A transactions or succession planning. In Bavaria,
Germany and the world.
Corporates & Mittelstand
The competition is getting tougher. How can you stay competitive?And what’s the best way to structureyour financial planning?
Professionalism
98 . The Bavarian Bank
The global financial system has become more fragile.
Currencies and exchange rates are volatile. Energy
and commodity prices rise and fall. And interest rates
are at historic lows. Our customers need planning
certainty even in this environment. And they are
looking for investment opportunities which offer
the optimum combination of safety and performance.
We help them to professionally manage risks, provide
a number of suitable investment products and assist
them to raise money on capital markets.
Our financial markets experts have a broad range of
products on hand to adequately cushion commodity
price and interest rate moves. This enables our
customers to avoid unnecessary decreases in their
earnings, optimise their cash flow structure and gives
them a solid basis for cost planning. In addition,
we arrange and place bonds, promissory notes
(Schuldscheindarlehen) and commercial paper issues
for our customers, execute payments transactions
in Germany and abroad and advise on and deliver
products for capital investments. Moreover, the asset
management expertise in our BayernInvest and Real I.S.
subsidiaries is available both to our business areas
in-house and to our institutional customers.
Financial Markets
The markets are volatile. Who gives you the financialproducts you really need?
Dedication
1110 . The Bavarian Bank
Millions of people and companies trust the ability and
reliability of their savings bank and the stability of the
S-Finanzgruppe. For a good reason: The advisors in
the branches provide a broad range of know-how and
products. Only so can they meet the high expectations
of their customers.
We have a particularly close relationship with the
savings banks. For us, they are not only customers but
also partners. Together we provide tailored financial
solutions to retail, corporate, real estate and municipal
customers. We do so by ideally complementing the
product lines of the savings banks – in capital market
and corporate banking transactions, in specialised
areas such as foreign notes and coins/precious metals
and in subsidised loans. In large-volume loans to
Mittelstand customers, we have worked successfully
together for years as financing partners. And as the
central bank for the Bavarian savings banks, BayernLB
makes a valuable contribution to the stability of the
S-Finanzgruppe.
Savings Banks
Strong partners are important. Who will help you realiseyour plans for the future –with vision and skill?
Team spirit
1312 . The Bavarian Bank
Real Estate
Real estate is a long-term investment.Who will stand by you as a partneryou can count on?
Project developments and real estate investments
are complex And so is the financing of them. Our
customers know that. That’s why they have trusted
in BayernLB’s expertise and experience for years.
Real estate is one of BayernLB’s core business areas.
Whether office buildings, shopping centres, hotels,
warehouses, residential property or homes for the
elderly: we are a strong partner for developers and
investors. Our services include all types and sizes of
financing, providing strategic advice and a wide range
of services on buying or selling real estate. In addition,
we are experienced in developing investment strategies
in Germany, Europe and the US.
If desired, we also take over the management of real
estate for our customers and develop solutions to
optimise profitability, energy efficiency, usability and
value retention.
Reliability
1514 . The Bavarian Bank
Responsibility
BayernLabo
Building is expensive. Renovation is too. Who helps you protect and increasethe quality of life in your region?
The heart of Bavaria beats in its towns and cities. In
the homes and hometowns of its people. There you’ll
find the quality of life that makes Bavaria so attractive.
To protect and increase this high standard, the Free
State of Bavaria has traditionally employed low-cost,
subsidised loan programmes. And one bank is usually
in the forefront in putting these programmes into
action: BayernLabo.
BayernLabo works with the Free State of Bavaria to
help primarily young families realise their dream of
owning their own home. It does so through targeted
programmes and low-cost home loans. It also helps
residential construction companies to build, renovate
or modernise rental properties in Bavaria. And as the
Free State of Bavaria’s development bank, BayernLabo
is a trusted partner in assisting municipal governments,
school boards and local special purpose authorities
finance their infrastructure investment projects. That’s
how BayernLabo assumes responsibility for the people
in our homeland. And makes an important contribution
to Bavaria’s unique quality of life.
1716 . The Bavarian Bank
MotivationThe internet is changing our lives. More and more
people are doing their banking online – both in their
private and their professional lives. They need a strong
internet bank. A bank that’s there for you. 24 hours
a day. Fast, capable and willing.
Our 100 %-owned subsidiary DKB, with over three
million customers, is one of the most successful online
banks in Germany. DKB offers its retail and business
customers state-of-the-art, intuitive online banking
including savings products and investment products
for long-term asset growth, real-estate financing and
consumer loans. All of this with maximum security
and, of course, at favourable terms. Not without
good reason has DKB been voted the most innovative
and fairest bank in Germany more than once. By the
way: DKB is also very successful in business loans in
the areas of renewable energy, housing, healthcare
and agriculture.
DKB
The future is digital. Where can you find the bestbank on the internet?
1918 . The Bavarian Bank
Office locations
Banking is becoming more and more faceless.Where can you find a bank where you know the bankers personally and they work hand in hand with you?
In an age of growing automation, digitalisation and
standardisation, we still believe in personal commu-
nication. For us, it’s the basis for open exchanges,
intensive cooperation and mutual success.
Being close to our customers means personal contact
for us. That’s why we have seven offices throughout
Germany. In addition to our head office in Munich
and our long-standing Nuremberg office, we are also
located in Berlin, Düsseldorf, Frankfurt, Hamburg and
Stuttgart. We also have international offices in the
world’s major financial centres: in London, Milan, Paris,
Moscow and New York. And in Asia, we serve our
customers through the German Centres in Shanghai,
Taicang and Delhi.Gurgaon. So no matter where you
need us, we’re there for you.
2120 . The Bavarian Bank
u Professionalismu Dedicationu Reliabilityu Responsibilityu Team Spiritu Motivation
Our roots makes us unique.
As do our customer relationships.
Bavaria is one of the strongest economic regions in
Europe. And Germany’s economy is one of the best
in the world. As a high-performance commercial bank,
we have been a dependable partner to companies and
institutions for decades – from globally active DAX
corporations and hidden champions of the Mittelstand
to traditional family-owned businesses, real estate
companies and municipalities.
We assume responsibility.
As a principal bank. And as people.
As a principal bank to our customers and the central
bank to the Bavarian savings banks, we recognise
our responsibility to the economy and to society. Our
employees are deeply rooted in the regions where
we do business. They are committed to these regions
on many levels. As bankers. And as people.
Our focus: The things that count.
And only the best of these.
We are a bank that focuses on the things that count:
We help our customers master economic and financial
challenges. And do so by concentrating on only the
areas where we can deliver top quality solutions. What
else sets us apart from the others? Our outstanding
reliability, expertise and ability to get things done.
The BayernLB bankers:
Competent. Pragmatic. Honest.
Our employees are our business card. Their main
features? Competence, pragmatism and honesty.
We promote their dedication and team spirit. Which
is why we give them attractive working conditions
as well as responsibility. Trainees, specialists and
managers alike.
2322 . The Bavarian Bank
Our values
Bayerische Landesbank
Brienner Strasse 18
80333 Munich
www.bayernlb.com
09
/20
15
DD
A H
F
Unsubscribe If you do not wish to receive any advertising in the future, please let us know. You can do this by contacting the BayernLB team responsible under the German Federal Data Protection Act: Bayerische Landesbank, Konzernstrategie & Konzernkommunikation, Brienner Strasse 18, 80333 Munich, Germany, Phone +49 89 2171-21161, Fax +49 89 2171-21250, [email protected]