A4 für Copyshop GB.indd - Bayerische Landesbank

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164 Report by the Board of Administration, accounts of BayernLB and the BayernLB Group and notes to the accounts Changes in the volume of the allotment fund of our Home Loan division EUR million A. Additions Brought forward from previous year (surplus): Amounts not yet disbursed Additions in financial year • Building-savers’ deposits (incl. building-saving premiums) • Redemption amounts 1 (incl. building-saving premiums) • Interest on building-savers’ deposits Total additions B. Reductions Reductions in financial year • Allotted amounts, if disbursed a) Building-savers’ deposits b) Building loans • Repayment of building-savers’ deposits on building-saving contracts not yet allotted Comments: Additions surplus (amounts not yet disbursed) at end of financial year 2 Total reductions 1 Redemption amounts are the proportions of the redemption amounts which are purely used for redemptions. 2 The additions surplus includes, among other items: a) Building-savers’ deposits not yet disbursed relating to allotted building-saving contracts: EUR 217 million b) Building loans not yet disbursed relating to allotments: EUR 506 million 3,874 1,539 754 174 6,341 830 521 500 4,490 6,341
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 and of the Landesbausparkasse Saar Not allotted Allotted Total No. of contracts Contract amounts EUR million No. of contracts Contract amounts EUR million No. of contracts 165 Contract amounts EUR million A. Portfolio at end of previous year 1,682,387 34,733 480,658 10,465 2,163,045 45,198 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 269,318 15,247 14,420 1,742 — 12,412 313,139 105,968 — 125,504 15,247 — 3,668 — 13,213 263,600 6,322 314 229 — — 272 7,137 1,927 218 2,061 314 — 33 — 399 4,952 — 2,861 — 56 105,968 1,200 110,085 — — 39,945 2,861 7,749 85,632 14,420 1,082 151,689 — 61 — — 1,927 15 2,003 — 6 685 61 — 1,816 229 28 2,825 269,318 18,108 14,420 1,798 105,968 13,612 423,224 105,968 — 165,449 18,108 7,749 89,300 14,420 14,295 415,289 D. Net additions / reductions 49,539 2,185 – 41,604 – 822 7,935 1,363 6,322 375 229 — 1,927 287 9,140 1,927 224 2,746 375 — 1,849 E. Portfolio at end of financial year 1,731,926 36,918 439,054 9,643 2,170,980 46,561 Of which: building-savers outside the Federal Republic of Germany 7,496 161 1,252 31 8,748 192 Portfolio of contracts not yet effective • Concluded prior to 01. 01. 2004 • Concluded in 2004 financial year No. of contracts 8,351 50,203 229 427 7,777 Contract amounts EUR million As far as changes in the individual tariffs are concerned, please refer to our Home Loan division’s annual report and the annual report of Landesbausparkasse Saar. 260 1,258
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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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Investment risk Similarly to counte
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Page 133 and 134: Liabilities 1. Due to banks a) Paya
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Page 185: Complex enterprises demand reliabil
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Page 198: Bayerische Landesbank Brienner Stra
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