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).

Present on the spot 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
  • Non-core business: Restructuring Unit, Others

Our shareholders

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

Liquidity & funding

  • Increasing diversification of sources of funding as the funding mix is broadened
  • High retail funding through the savings banks (custody account B in 2015: approx. EUR 1 billion)
  • BayernLB has some EUR 63 billion of uncovered customer deposits as defined in the Deposit Guarantee Scheme Act (EinSiG - national transposition of EU Directive 2014/49/EU)
  • 2-3 covered benchmark bonds issued every year to maintain benchmark curves

We have a good market position

Corporates & Mittelstand

  • 35% customer share in the Corporates segment
  • Average annual growth in Mittelstand customers since 2009: 8.5%
  • Mittelstand campaign: new locations in Hamburg, Berlin, Stuttgart, Frankfurt

Real Estate & Savings Banks/Association

  • EUR 6.1 billion in new business including renewals for real estate
  • Business relationships with 400 savings banks: no. 1 in Bavaria
  • One of the national market leaders in foreign notes and precious metals

Financial Markets

  • Customer-focused capital markets business
  • At EUR 4 billion, the most successful issuing house in the Schuldschein market
  • Integration of the asset management subsidiaries Real I.S. and BayernInvest


  • Second-largest direct bank in Germany with over three million retail customers
  • Investing in the digital future: fintech cooperations
  • Leading position in renewable energy (portfolio of EUR 9 billion)