Landeskreditbank Baden-WÃ¼rttemberg - L-Bank

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Notes to the annual financial statements for the financial year ended December 31, 2004 Loans to members of administrative bodies (incl. contingent liabilities) Dec. 31, 2004 Dec. 31, 2003 EUR ’000 EUR ’000 – Board of Governors ................................................. 148 346 – Board of Management ............................................... 1,053 1,140 Average number of staff employed in 2004 male female Total Employees ................................................................ 497 610 1,107 of whom: full-time employees ................................................ 484 393 877 part-time employees ................................................. 13 217 230 excluding trainees, students on placement F-18
Directorships held by members of the Board of Management and employees of L-Bank pursuant to § 340a para. 4 no. 1 HGB Christian Brand, Chairman of the Board of Management Baden-Württembergische Bank AG, Stuttgart Member of the Board of Governors BWK GmbH Unternehmensbeteiligungsgesellschaft, Stuttgart Member of the Supervisory Board Clariant GmbH, Frankfurt am Main Member of the Supervisory Board Landesbank Baden-Württemberg, Stuttgart, Karlsruhe, Mannheim Member of the Guarantors’ Assembly Sächsische Aufbaubank - Förderbank, Dresden Member of the Board of Governors Tourismus-Marketing GmbH Baden-Württemberg, Stuttgart Vice Chairman of the Supervisory Board Vorarlberger Landes- and Hypothekenbank AG, Bregenz Member of the Board of Governors Jürgen Hägele, Vice Chairman of the Board of Management Business-Park Göppingen GmbH, Göppingen Member of the Supervisory Board Industriepark Gottmadingen AG (IPG), Gottmadingen Chairman of the Supervisory Board Dr. Manfred Schmitz, Member of the Board of Management MBG Mittelständische Beteiligungsgesellschaft Baden- Member of the Supervisory Board Württemberg GmbH, Stuttgart Industriepark Gottmadingen AG (IPG), Gottmadingen Vice Chairman of the Supervisory Board F-19
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INTERNATIONAL PROSPECTUS SUPPLEMENT
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ISSUER Landeskreditbank Baden-Würt
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TABLE OF CONTENTS Use of Proceeds .
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EXCHANGE RATE INFORMATION The follo
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Maturity, Repurchase Maturity. The
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the rules of such stock exchange pe
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THE CLEARING SYSTEMS DTC DTC is a l
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Cross-market transfers between pers
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For the purposes of this provision,
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These activities by the managers or
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You should rely only on the informa
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PROSPECTUS SUMMARY The following su
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APPLICATION OF PROCEEDS As may be m
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(4) Loans to customers (i.e., non-c
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transferred to independent subsidia
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Our housing-related activities are
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(1) Holdings in companies for strat
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Loan Portfolio Risks We maintain a
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securities portfolio. In accordance
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The following table shows our borro
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authorized limits. A daily risk and
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MANAGEMENT INFORMATION Introduction
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credit institutions increased by 10
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To control the risks of unhedged po
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RECENT DEVELOPMENTS Development of
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MANAGEMENT Board of Management Our
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Wirtsch.-Ing. Bernd Bechtold Presid
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REGULATION AND SUPERVISION OF L-BAN
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non-banking corporations if the use
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Covering Market Risk Positions Mark
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ank, and the aggregate nominal valu
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may at any time change the reserve
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The Entschädigungseinrichtung GmbH
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ECONOMY General Germany The economy
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Industrial Structure General Positi
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The following table shows the amoun
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The Euro-zone follows a mutual mone
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Revenue Equalization While the Germ
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For more detailed information regar
Page 80 and 81: Outstanding Principal Maturity Amou
Page 82 and 83: DESCRIPTION OF THE DEBT SECURITIES
Page 84 and 85: (iv) a waiver by the holders of the
Page 86 and 87: CURRENCY CONVERSION RATES The follo
Page 88 and 89: TAXATION UNITED STATES FEDERAL INCO
Page 90 and 91: number of complete years to maturit
Page 92 and 93: will equal such U.S. Holder’s ini
Page 94 and 95: using the constant yield method des
Page 96 and 97: We have included the federal income
Page 98 and 99: Capital gains resulting from the di
Page 100 and 101: SUMMARY OF CERTAIN DIFFERENCES BETW
Page 102 and 103: The credit risk of the loan and sec
Page 104 and 105: Under U.S. GAAP, repurchased debt s
Page 106 and 107: LIMITATIONS ON ACTIONS AGAINST THE
Page 108 and 109: GLOSSARY This glossary describes ce
Page 110 and 111: Administrative loans, which are loa
Page 112 and 113: Depreciation and accumulated amorti
Page 114 and 115: Landeskreditbank Baden-Württemberg
Page 116 and 117: Balance sheet as at December 31, 20
Page 118 and 119: Statement of income for the period
Page 120 and 121: Notes to the annual financial state
Page 132 and 133: Authorities of Landeskreditbank Bad
Page 134 and 135: Proposal of the Board of Management
Page 136 and 137: FINANCIAL STATEMENTS OF L-BANK AS O
Page 140 and 141: Landeskreditbank Baden - Württembe
Page 154 and 155: Directorships held by members of th
Page 156 and 157: State government deputy representat
Page 158 and 159: Independent Auditors’ opinion We
Page 178 and 179: Directorships held by members of th
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Authorities of Landeskreditbank Bad
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Proposal of the Board of Management
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Debt of L-Bank at December 31, 2004
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Debt Securities
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Landeskreditbank Baden-WÃ¼rttemberg - L-Bank

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