Bankgesellschaft is focussing on core business - Landesbank Berlin

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Ratings Moody’s Long-term Short-term Financial Deposit Deposit Strength Rating Rating Rating <strong>Bankgesellschaft</strong> Berlin AG A2* P-1 E + Landesbank Berlin EMTN-programme Aa3* P-1 D BGB Finance (Ireland) plc. Public Pfandbrief Aa3 – – Landesbank Berlin Aaa – – * Negative outlook Fitch Long-term Short-term Individual Rating Rating Rating <strong>Bankgesellschaft</strong> Berlin AG A – * F1 D/E Landesbank Berlin EMTN programme AAA F1 + – BGB Finance (Ireland) plc. Public Pfandbrief AAA – – – Landesbank Berlin AAA – – – * Outlook: evolving Standard & Poor’s Public Pfandbriefe Berliner Hypothekenbank AAA Ratings Corporate Profile
Contents 4 Management 4 Letter to Shareholders 8 Corporate Governance Structures 10 Report of the Superv<strong>is</strong>ory Board 18 From the Business Areas 18 Segment Reporting and Performance of the Strategic Business Areas 24 Retail Banking 28 Regional Corporate Banking 32 Capital Markets 34 Real Estate Financing 38 Real Estate Services 41 Corporate Investments 42 Government-Ass<strong>is</strong>tance Programme 45 Other/Consolidation 48 <strong>Bankgesellschaft</strong> Berlin Share 49 Management Report 50 Overview of the 2003 Financial Year 62 Development of Business 82 R<strong>is</strong>k Report 103 Group Outlook 105 Annual Financial Statement for the Group and the AG 106 <strong>Bankgesellschaft</strong> Berlin Group Balance Sheet 110 Profit and Loss Account of the <strong>Bankgesellschaft</strong> Berlin Group 112 Consolidated Equity Capital Statement 114 Segment Reporting of the Group 116 Cash Flow Statement of the <strong>Bankgesellschaft</strong> Berlin Group 118 <strong>Bankgesellschaft</strong> Berlin AG Balance Sheet 122 Profit and Loss Account of <strong>Bankgesellschaft</strong> Berlin AG 124 Notes to the Consolidated and AG Financial Statements 2003 196 Group and AG Audit Certificates 198 Group Banks and Selected Group Participations
Page 1 and 2: Bankgesellschaft B
Page 3: Corporate Profile • BANKGESELLSCH
Page 7 and 8: Our activities are centred around t
Page 9 and 10: 5 LETTER TO SHAREHOLDERS In additio
Page 11 and 12: 7 LETTER TO SHAREHOLDERS The positi
Page 13 and 14: Bernd Reinhard* Chairman of the BB/
Page 15 and 16: 11 REPORT OF THE SUPERVISORY BOARD
Page 21 and 22: Since the start of the reconstructi
Page 23 and 24: Retail Banking business area 19 SEG
Page 25 and 26: Government-Assista
Page 27 and 28: 23 SEGMENT REPORTING AND PERFORMANC
Page 29 and 30: RETAIL BANKING LOANS in t million 3
Page 31 and 32: Outlook Measures to further strengt
Page 33 and 34: The Competence Centres merged last
Page 35 and 36: The participations portfolio alloca
Page 37 and 38: From the dissoluti
Page 39 and 40: Outlook REAL ESTATE FINANCING LOANS
Page 41 and 42: Bankgesellschaft B
Page 43 and 44: almost full implementation of the s
Page 45 and 46: Corporate Investments The Group’s
Page 47 and 48: The Assembly of Guarantors of Lande
Page 49 and 50: Other/Consolidation Earnings contri
Page 51 and 52: The measures for repositioning <str
Page 53 and 54: Management Report 50 Overview of th
Page 55 and 56:
The increasing economic optim<stron
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Other important cornerstones of th<
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with market conditions. Prec<strong
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The measures started in 2002 for th
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Up to and including 2011 at least,
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esulting from the LBB/IBB proceedin
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CONSOLIDATED RESULT OF ORDINARY BUS
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Structure of net comis</str
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Personnal costs in € million 973
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Taxes on income As a result of the
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These effects negatively impact the
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RISK PROVISIONING FOR THE AG Net ot
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LENDING VOLUME WITHIN THE GROUP Dev
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Liabilities CONSOLIDATED LIABILITIE
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AG LIABILITIES Final statement on t
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(c) The system of compensation of t
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• Operational ris</strong
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Total A B C D E F no rating availab
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The complexity and scope of the ex<
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CAPITAL-AT-RISK LIMITS AND UTILISAT
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Since 2002, a Committee for Operati
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In addition, a qualifying concept r
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whereby no more than a 1.1 billion
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The large number of legally stipula
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Two key measures were implemented i
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Over the course of 2003, IBG almost
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Group Outlook The Group achieved a
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105 GROUP OUTLOOK / ANNUAL FINANCIA
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107 BANKGESELLSCHAFT BERLIN GROUP B
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109 BANKGESELLSCHAFT BERLIN GROUP B
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111 PROFIT AND LOSS ACCOUNT OF THE
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113 CONSOLIDATED EQUITY CAPITAL STA
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115 SEGMENT REPORTING OF THE GROUP
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117 CASH FLOW STATEMENT OF THE BANK
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119 BANKGESELLSCHAFT BERLIN AG BALA
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121 BANKGESELLSCHAFT BERLIN AG BALA
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123 PROFIT AND LOSS ACCOUNT OF BANK
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1) Berlin Hyp Group companies 2) IB
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127 NOTES TO THE CONSOLIDATED AND A
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Page 135 and 136:
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2 Amounts due in the following year
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Page 141 and 142:
Page 143 and 144:
17 Provisions for
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20 Profit participation capital 141
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24 Profit from financial transactio
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30 Taxes on income 147 NOTES TO THE
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Page 155 and 156:
Other Information on the Group 32 I
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Page 159 and 160:
Page 161 and 162:
38 Information on derivative transa
Page 163 and 164:
40 Corporate Governance 159 NOTES T
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1 Classification of Deadlines 161 N
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5 Subordinated assets 163 NOTES TO
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9 Foreign currency items 165 NOTES
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15 Other liabilities 167 NOTES TO T
Page 173 and 174:
Page 175 and 176:
24 Profit from financial transactio
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27 Geographic dist
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38 Information on derivative transa
Page 181 and 182:
Page 183 and 184:
BSI Immobilien-Beteiligung GmbH & C
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Long Beach Property, LLC, Wilmingto
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Associated companies (section 311/s
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185 APPENDIX 1 Company, reg
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187 APPENDIX 1 Company, reg
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189 APPENDIX 1 / APPENDIX 2 L<stron
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Claudia Fieber* (since September 1,
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Hans-Jörg Vetter Chairman of the B
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List Pursuant to S
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2. Bankgesellschaft</strong
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Financial Service Providers BB-ASSE
Page 205 and 206:
Banks and Finance Companies Real Es
Page 207 and 208:
Imprint Published
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Bankgesellschaft is focussing on core business - Landesbank Berlin

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