BayernLB

Investor Relations

Brief Profile

Our services

  • BayernLB is one of the major commercial banks in Germany
  • We support our corporate customers sustainably with in-depth expertise
  • In real estate financing, we use our specialist knowledge and network to support our customers throughout the entire value chain in Germany and other selected markets
  • We are the central bank for Bavarian savings banks and the main bank for the Free State of Bavaria
  • As a tech bank, DKB provides its customers with an excellent client experience and outstanding digital solutions
  • Our asset-management companies enable our customers to choose from a wide variety of sustainable investments.

Closely integrated in the Sparkassen-Finanzgruppe

For decades, around 350 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, Leipzig
  • Europe: Branch offices in London, Milan and Paris; Representative office in Moscow
  • America: New York branch
  • German Centre: Shanghai, Taicang

Our shareholders

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

Liquidity & funding

  • Lower funding needs in 2020 are the result of the streamlining of BayernLB core Bank and the related reduction in funding requirements
  • The focus is on unsecured funding at BayernLB level through a diverse range of funding sources, especially via the savings banks, institutional investors, retail customers and the international DIP scheme
  • Capital market presence is maintained by regularly issuning secured benchmark bonds
  • Liquidity Coverage Ratio (LCR): 168 % as at December 2019