- Page 1: Annual Report and Accounts 2004
- 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 and 16: In transforming its business model,
- Page 17 and 18: Sparkassen-Finanzgruppe Bayern Baye
- 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.
- Page 34 and 35: 30 BayernLB - our company } BayernL
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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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52 BayernLB - our company } BayernL
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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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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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119
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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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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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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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Report by the Board of Administrati
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Report by the Board of Administrati
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Report by the Board of Administrati
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Complex enterprises demand reliabil
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184 Advisory Boards and addresses T
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186 Advisory Boards and addresses D
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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