Brief Profile

The Bavarian bank for the German economy

Financing growth and innovation for companies in Bavaria, Germany, Europe and worldwide: this is the clear mandate with which we serve large and medium-sized companies and the public sector. We are also a leading player in commercial real estate financing.

Closely integrated in the Sparkassen-Finanzgruppe

For decades, over 400 savings banks in Bavaria and Germany have trusted us as a preferred partner. For instance, when it comes to issuing public-sector bonds: thanks to our longstanding customer relationships and sector expertise we are one of the leading arrangers. We serve retail customers through our subsidiary Deutsche Kreditbank AG (DKB).

Right there for our customers

  • Germany: Munich head office, Nuremberg, Stuttgart, Frankfurt, Düsseldorf, Hamburg, Berlin
  • Europe: Branch offices in London, Milan and Paris; Representative office in Moscow
  • America: New York branch

We are active in these segments

  • Core business: Corporates & Mittelstand, Real Estate & Savings Banks/Association, DKB, Financial Markets

Our shareholders

  • Association of Bavarian Savings Banks (approx. 25%)
  • Free State of Bavaria (approx. 75%)

Liquidity & funding

  • Funding needs for 2017 approx. EUR 7bn (of which EUR 4bn secured and EUR 3bn unsecured)
  • Funding sources are becoming increasingly diverse due to the expanded funding mix
  • High retail funding from the savings banks (B custody accounts, 2016: about EUR 1 bn)
  • The liquidity coverage ratio 1 (LCR) was 179% as at 30 June 2017
  • BayernLB has around EUR 63 bn in customer deposits that are not covered by the deposit guarantee scheme (required by EinSiG, the German law implementing EU Directive 2014/49/EU)
  • Ensure access to capital markets by regularly issuing benchmark secured bonds

We have a good market position

Corporates & Mittelstand

  • Strong market position with 37% customer share among large corporates
  • 19% customer share in large Mittelstand - targeted expansion in the regions

Real Estate & Savings Banks/Association

  • Real estate: approx. EUR 3,0 bn in new business in H1, including renewals
  • Central bank to the savings banks, no. 1 partner of the Bavarian savings banks
  • Market leading position in the foreign notes & coins/ precious metals business

Financial Markets

  • Top position in covered bonds and Schuldschein note loans
  • Supplier of interest and currency management products
  • Strong market position in business with institutional customers


  • Over 3.6m retail customers – second largest online bank in Germany
  • Leading position in the renewable energy sector (EUR 10 bn portfolio)