A4 für Copyshop GB.indd - Bayerische Landesbank

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162 Report by the Board of Administration, accounts of BayernLB and the BayernLB Group and notes to the accounts Other financial obligations Other financial obligations notably arise from rental, use, service and maintenance contracts, and from consulting and marketing agreements. On the balance sheet date, there were call commitments for capital not fully paid up of EUR 45 million at BayernLB and EUR 47 million at Group level. There were uncalled liabilities from limited partnership relationships of EUR 51 million, and joint liabilities pursuant to Section 24 German Law on Limited Liability Companies (GmbHG) in respect of EUR 18 million. Moreover, there were additional funding obligations amounting to EUR 39 million at BayernLB and EUR 50 million at Group level, as well as a directly enforceable guarantee for the funding obligation of shareholders of the Frankfurt / Main-based Liquiditäts-Konsortialbank GmbH, who are members of Deutsche Spar- kassen- und Giroverband e. V. Amounts due to affiliated companies amounted to EUR 84 million at BayernLB and EUR 86 million for the Group. Pursuant to Section 157 Conversion law, there is a secondary liability for the Berlin- based Deutsche Kreditbank Aktiengesellschaft in respect of liabilities. On the balance sheet date, BayernLB’s liability as a member of the guarantee fund of the landesbanks came to EUR 88 million and that of the Group to EUR 93 million. Under the terms of the statutes of the deposit insurance fund run by the Association of German Public-Law Banks (VÖB), the Bank has undertaken to exempt the VÖB from any losses which may be suffered due to measures taken in favour of two credit institutions which are majority-owned by the Bank. As members of deposit protection schemes, individual consolidated institutions are also liable under the provisions governing those schemes.
Report by the Board of Administration, accounts of BayernLB and the BayernLB Group and notes to the accounts Changes in the portfolio of building-saving contracts and contract amounts of our Home Loan Division (Landesbausparkasse) Not allotted Allotted Total No. of contracts Contract amounts EUR million No. of contracts Contract amounts EUR million No. of contracts 163 Contract amounts EUR million A. Portfolio at end of previous year 1,583,043 32,845 447,556 9,860 2,030,599 42,705 B. Additions in financial year through • New contracts (effective) • Transfers • Waivers and revocations of allotment • Splits • Allotments • Other Total C. Reductions in financial year through • Allotments • Reductions • Write-backs • Transfers • Consolidations • Contract expiries • Waivers and revocations of allotment • Other Total 252,381 14,865 10,976 1,684 — 11,645 291,551 95,993 — 117,527 14,865 — 3,668 — 12,056 244,109 5,994 303 180 — — 257 6,734 1,769 213 1,928 303 — 33 — 374 4,620 — 2,789 — 56 95,993 583 99,421 — — 38,232 2,789 6,577 79,940 10,976 510 139,024 — 59 — — 1,769 14 1,842 — 6 661 59 — 1,718 180 9 2,633 252,381 17,654 10,976 1,740 95,993 12,228 390,972 95,993 — 155,759 17,654 6,577 83,608 10,976 12,566 383,133 D. Net additions / reductions 47,442 2,114 – 39,603 – 791 7,839 1,323 5,994 362 180 — 1,769 271 8,576 1,769 219 2,589 362 — 1,751 E. Portfolio at end of financial year 1,630,485 34,959 407,953 9,069 2,038,438 44,028 Of which: building-savers outside the Federal Republic of Germany 4,514 96 722 18 5,236 114 Portfolio of contracts not yet effective • Concluded prior to 01. 01. 2004 • Concluded in 2004 financial year No. of contracts 7,351 47,475 As far as changes in the individual tariffs are concerned, please refer to the annual report of our Home Loan division. 180 383 7,253 Contract amounts EUR million 237 1,197
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Annual Report and Accounts 2004
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LBS Bayern Corporates Business Area
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Clear figures. Clear objectives. Th
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Foreword by the Board of Management
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1 Board of Management and executive
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Dr. Rudolf Hanisch born in 1946, De
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In transforming its business model,
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Sparkassen-Finanzgruppe Bayern Baye
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Financial Statements Audit Committe
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Norbert Kastner Lord Mayor of the C
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2 Economic situation
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(Hartz IV) contributed to an overal
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An open mind. Clarity. Inspiration.
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30 BayernLB - our company } BayernL
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32 BayernLB - our company } Restruc
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34 BayernLB - our company } Cross-b
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36 BayernLB - our company } Lead ar
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38 BayernLB - our company } Coopera
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40 BayernLB - our company Real Esta
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42 BayernLB - our company Activitie
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46 BayernLB - our company New issue
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48 BayernLB - our company and the U
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50 BayernLB - our company Savings B
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54 BayernLB - our company } LBS Bay
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56 BayernLB - our company } Moderni
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58 BayernLB - our company Group ret
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60 BayernLB - our company In 2004,
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62 BayernLB - our company Support o
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64 BayernLB - our company Landesban
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66 BayernLB - our company Magyar K
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68 BayernLB - our company Banque LB
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70 BayernLB - our company LB(Swiss)
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72 BayernLB - our company Corporate
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74 BayernLB - our company } Shared
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76 BayernLB - our company } Target
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78 BayernLB - our company Our staff
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80 BayernLB - our company Fostering
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82 BayernLB - our company Public se
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84 BayernLB - our company DKB and S
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A product is only as good as the to
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4 Report on the Bank and the Group
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position and serves as a bridgehead
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Management report Assets, liabiliti
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Funding EUR billion Due to banks -
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EUR million 1.1. - 31.12.2004 Bayer
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Group operating expenses were down
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In the 2004 financial year, the ope
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Outlook The forecasts relating to t
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Strategy / rating Upon withdrawal o
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BayernLB’s subsidiaries (Hungaria
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Gross exposure by Group entity [%]
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Page 198: Bayerische Landesbank Brienner Stra
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A4 für Copyshop GB.indd - Bayerische Landesbank

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