A4 für Copyshop GB.indd - Bayerische Landesbank

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Contents 1 Board of Management and executive bodies 2 Economic situation 3 BayernLB – our company 4 Report on the Bank and the Group 5 Report by the Board of Administration, accounts of BayernLB and the BayernLB Group and notes to the accounts 6 Advisory Boards and addresses
Foreword by the Board of Management 8 Profile 12 Sparkassen-Finanzgruppe Bayern 13 Board of Administration 14 Financial Statements Audit Committee 15 General Meeting 16 Economy: no stable uptrend yet 22 Strategy 30 Business area activities 34 LBS Bayern and Landesbodenkreditanstalt 54 Group retail activities 58 Support operations activities 62 Our staff 78 Public sector mandate 82 Overview 90 Management report 93 Outlook 103 Risk report 106 Report by the Board of Administration 124 Balance sheet and profit and loss account 128 Consolidated balance sheet and profit and loss account 134 Consolidated statement of changes in shareholders’ equity 140 Cash flow statement for the Group 141 Segment report for the Group 144 Notes to the accounts and consolidated accounts 148 Trustees 184 Economic Advisory Council 185 Savings Bank Advisory Council 187 BayernLB’s network 188
Page 1 and 2: Annual Report and Accounts 2004
Page 3 and 4: LBS Bayern Corporates Business Area
Page 5: Clear figures. Clear objectives. Th
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
Page 36 and 37: 32 BayernLB - our company } Restruc
Page 38 and 39: 34 BayernLB - our company } Cross-b
Page 40 and 41: 36 BayernLB - our company } Lead ar
Page 42 and 43: 38 BayernLB - our company } Coopera
Page 44 and 45: 40 BayernLB - our company Real Esta
Page 46 and 47: 42 BayernLB - our company Activitie
Page 48 and 49: 44 BayernLB - our company } BayernL
Page 50 and 51: 46 BayernLB - our company New issue
Page 52 and 53: 48 BayernLB - our company and the U
Page 54 and 55: 50 BayernLB - our company Savings B
Page 56 and 57:
52 BayernLB - our company } BayernL
Page 58 and 59:
54 BayernLB - our company } LBS Bay
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56 BayernLB - our company } Moderni
Page 62 and 63:
58 BayernLB - our company Group ret
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60 BayernLB - our company In 2004,
Page 66 and 67:
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
Page 90 and 91:
A product is only as good as the to
Page 93 and 94:
4 Report on the Bank and the Group
Page 95 and 96:
position and serves as a bridgehead
Page 97 and 98:
Management report Assets, liabiliti
Page 99 and 100:
Funding EUR billion Due to banks -
Page 101 and 102:
EUR million 1.1. - 31.12.2004 Bayer
Page 103 and 104:
Group operating expenses were down
Page 105 and 106:
In the 2004 financial year, the ope
Page 107 and 108:
Outlook The forecasts relating to t
Page 109 and 110:
Strategy / rating Upon withdrawal o
Page 111 and 112:
BayernLB’s subsidiaries (Hungaria
Page 113 and 114:
Gross exposure by Group entity [%]
Page 115 and 116:
Investment risk Similarly to counte
Page 117 and 118:
Net exposure of the Group by countr
Page 119 and 120:
Market price risk Market risk compr
Page 121 and 122:
Operational risk BayernLB defines o
Page 123:
119
Page 127 and 128:
5 Report by the Board of Administra
Page 129 and 130:
Report by the Board of Administrati
Page 131 and 132:
Page 133 and 134:
Liabilities 1. Due to banks a) Paya
Page 135 and 136:
Liabilities Report by the Board of
Page 137 and 138:
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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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Page 185:
Complex enterprises demand reliabil
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184 Advisory Boards and addresses T
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186 Advisory Boards and addresses D
Page 192 and 193:
188 Advisory Boards and addresses B
Page 194:
190 Advisory Boards and addresses S
Page 198:
Bayerische Landesbank Brienner Stra
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A4 für Copyshop GB.indd - Bayerische Landesbank

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