A4 für Copyshop GB.indd - Bayerische Landesbank

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12 Board of Management and executive bodies Profile BayernLB was founded in 1972 with the merger of Landesbodenkreditanstalt and Bayerische Gemeindebank. It is one of the largest banks in Germany and has the legal status “corporation established under public law”. BayernLB is (indirectly) owned by the Free State of Bavaria and the Association of Bavarian Savings Banks, each with a 50 percent stake. This follows the transfer in 2002 of their shares in BayernLB to BayernLB Holding AG, in exchange for which the Free State of Bavaria and the Associa- tion of Bavarian Savings Banks each took a 50 percent holding in BayernLB Holding AG. BayernLB Holding AG is entrusted with the duties of the sole shareholder of BayernLB and is not a bank itself (see diagram of the holding structure). BayernLB is subject to legal supervision by the Bavarian State Ministries of Finance and the Interior as well as financial supervision by the German Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank. BayernLB is the central bank to the Bavarian savings banks and an important member of the Sparkassen-Finanzgruppe Bayern. It is a service provider for the partner insti- tutes of the Sparkassen-Finanzgruppe, acting as their network bank and enabling them, with its support and product policies, to exploit existing market potential in the Bavarian market together with the savings banks. In addition, BayernLB functions as a principal bank to the Free State of Bavaria and actively supports national and local governments, financial institutions, medium and large companies and real estate customers. BayernLB is one of the leading issuers of bonds in Germany. Bayerische Landesbodenkreditanstalt (Labo) and Bayerische Landesbausparkasse (LBS), both legally dependent institutions, are integral parts of the Bank. BayernLB is a financial service provider with a presence in selected global financial centres. It focuses on the core market of Bavaria and the neighbouring regions. Expansion of the Savings Bank Central Bank function, and with it the further intensifi- cation of joint marketing activities with the Bavarian savings banks, is an important pillar of BayernLB’s business model. For this purpose a number of agreements were signed by the individual savings banks and BayernLB which will increase their economic efficiency by providing for jointly-developed solutions while strengthening the market position of the Sparkassen-Finanzgruppe Bayern.
Sparkassen-Finanzgruppe Bayern BayernLB Consolidated total assets: EUR 333 billion Staff: Bank: 5,047 Group: 8,940 Bayerische Landesbausparkasse Portfolio of 2 million building-saving contracts with a volume of EUR 44 billion Bayerische Landesbodenkreditanstalt Loan volume: EUR 15 billion Subsidised contracts: 15,438 homes Part of the BayernLB Group • Deutsche Kreditbank Aktiengesellschaft • Landesbank Saar • Banque LBLux S. A. • MKB, Hungary • LB(Swiss) Sparkassen-Finanzgruppe Market leader in Bavaria • Aggregated total assets in banking business: EUR 486 billion • Aggregated premium volume of insurance business: EUR 5.2 billion • Staff: 65,741 82 savings banks Total assets: EUR 153 billion Staff: 50,451 • Branches: 2,799 • Self-service branches: 242 • Advisory centres: 287 Operating profit: EUR 1.6 billion Tax burden: EUR 0.4 billion Customer advances: EUR 95 billion Customer deposits: EUR 115 billion Financing potential • Approx. 40% of SMEs • Two thirds of trade businesses • Every second start-up Sparkassen-Immobilien Vermittlungs GmbH & Co. KG Volume of business brokered: EUR 1 billion DekaBank Share of Bavarian savings bank organisation: 9.6% including share of BayernLB. Consolidated total assets: EUR 115 billion Deutsche Sparkassen Leasing Share of Bavarian savings banks: 13 % Sparkassenverband Bayern Board of Management and executive bodies Versicherungskammer Bayern Premium volume: EUR 5.2 billion Staff: 6,350 Investment portfolio: EUR 26.6 billion Germany’s largest public-sector insurance provider Market leader in Bavaria and the Palatinate Part of the VKB Group • Bayerische Landesbrandversicherung • Bayerischer Versicherungsverband • Bayern-Versicherung • Bayerische Beamtenkrankenkasse • Union Krankenversicherung • Saarland Feuerversicherung • Saarland Lebensversicherung • Feuersozietät Berlin Brandenburg • Öffentliche Lebensversicherung Berlin Brandenburg • Association members: 82 Bavarian savings banks and their guarantors • Joint owners and guarantors of BayernLB together with the Free State of Bavaria • Owners and guarantors of Versicherungskammer Bayern 13
Page 1 and 2: Annual Report and Accounts 2004
Page 3 and 4: LBS Bayern Corporates Business Area
Page 5 and 6: Clear figures. Clear objectives. Th
Page 7: Foreword by the Board of Management
Page 11 and 12: 1 Board of Management and executive
Page 13 and 14: Dr. Rudolf Hanisch born in 1946, De
Page 15: In transforming its business model,
Page 19 and 20: Financial Statements Audit Committe
Page 21 and 22: Norbert Kastner Lord Mayor of the C
Page 25 and 26: 2 Economic situation
Page 27 and 28: (Hartz IV) contributed to an overal
Page 30: An open mind. Clarity. Inspiration.
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Page 64 and 65: 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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Net exposure of the Group by countr
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Market price risk Market risk compr
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Operational risk BayernLB defines o
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5 Report by the Board of Administra
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Report by the Board of Administrati
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Liabilities 1. Due to banks a) Paya
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Liabilities Report by the Board of
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Liabilities 1. Due to banks a) Paya
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Liabilities Report by the Board of
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Complex enterprises demand reliabil
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184 Advisory Boards and addresses T
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188 Advisory Boards and addresses B
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190 Advisory Boards and addresses S
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Bayerische Landesbank Brienner Stra
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A4 für Copyshop GB.indd - Bayerische Landesbank

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