Landesbank Berlin Holding

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Retail Banking
The retail banking business of Landesbank Berlin is primarily oper-
ated by Berliner Sparkasse. Measured by the number of customer
accounts, it is the largest savings bank in Germany and is by far the
no. 1 among providers of comprehensive banking services for retail
customers in Berlin. One in two Berlin residents is a Landesbank
customer.
In 2007, the Retail Banking division was able to continue the gratifying growth in new
business of previous years despite intensifying competitive pressures and consequently
boost its sales figures. More and more people are choosing Berliner Sparkasse as their
key banking relationship: for example the number of customers with a personal current
account increased by 6,500. The acquisition of a majority holding in netbank AG has
also allowed us to boost our presence on the Internet, which is becoming an ever more
important sales channel.
While an increase in expenses relating to market investment has led to a temporary
fall in earnings, they will create the preconditions for long-term growth and the consolidation
of the Company’s good business performance.
RETAIL BAnkInG – LOAnS
in t million 31.12.2007 1) 31.12.2006
Overnight and term money 0 1
Overdraft facilities 298 307
Near-money market loans 400 263
Real estate loans 1,554 1,901
Other loans (e.g. consumer loans) 997 987
Total loans and advances to customers 3,249 3,459
RETAIL BAnkInG – dEpOSITS
in t million 31.12.2007 1) 31.12.2006
Demand deposits 3,441 2,989
Overnight deposits 17 17
Term deposits / savings certificates 572 273
Savings deposits 6,718 6,488
‘Cash direkt’ 735 670
Total customer deposits 11,483 10,437
1) including netbank AG acquired in 2007