- Page 1 and 2: Landesbank Berlin Holding ANNUAL RE
- Page 3 and 4: Ratings Unguaranteed liabilities Mo
- Page 5 and 6: Contents Management 2 Letter to Sha
- Page 7 and 8: Letter to Shareholders Dear shareho
- Page 9 and 10: Report of the Supervisory Board of
- Page 11 and 12: Personnel changes In the 2008 finan
- Page 13 and 14: Corporate Governance Report The Boa
- Page 15 and 16: Transparency The members of the Boa
- Page 17 and 18: In view of this, a revised declarat
- Page 19: Sascha Händler * Landesbank Berlin
- Page 23: Innovative - with modern financial
- Page 26: Expert and fair - our claim In unce
- Page 32 and 33: The retail banking business of Land
- Page 34 and 35: 30 Retail Banking Insurance and bui
- Page 36 and 37: Landesbank Berlin is the market lea
- Page 38 and 39: 34 Regional Corporate Banking Prove
- Page 40 and 41: 36 Capital Markets In the capital M
- Page 42 and 43: 38 Capital Markets Capital Markets
- Page 44 and 45: New business in 2008 by lending reg
- Page 46 and 47: 42 Employees In 2008, we rigorously
- Page 49 and 50: Group management report Overview of
- Page 51 and 52: Landesbank Berlin AG (LBB) is a who
- Page 53 and 54: “Berliner Sparkasse”. In the Re
- Page 55 and 56: Measures to improve earnings Also i
- Page 57 and 58: With regard to their remuneration,
- Page 59 and 60: In line with their service agreemen
- Page 61 and 62: Apart from the trade union represen
- Page 63 and 64: Article 71 (1) No. 7 of the German
- Page 65 and 66: market environment, the Real Estate
- Page 67 and 68: Net commission income increased by
- Page 69 and 70: Staff costs amounted to € 492 mil
- Page 71 and 72: Capital Markets generated an operat
- Page 73 and 74: Net assets total assets at the end
- Page 75 and 76: deposits by banks declined by € 4
- Page 77 and 78: Events after 31 December 2008 As at
- Page 79 and 80: Principles for risk management and
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To ensure risk tolerance, there is
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In accordance with BaFin’s interp
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In line with its risk strategy, the
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The rating methods are calibrated t
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1800 1600 1400 1200 1000 800 600 40
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On account of the largely low-risk
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Liquidity risks The liquidity risk
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Managing liquidity risks Group-wide
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Risk concentration The Group’s da
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Risk and income monitoring for the
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Organisational structure The contro
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IT and system risks Extraordinary I
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The Federal Financial Supervisory A
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Report on expected developments / O
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Regional Corporate Banking Landesba
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Annual Financial Statements for the
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Quarterly Development of the LBB Ho
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Statement of Changes in Consolidate
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Consolidated Financial Statements C
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Notes to the Balance Sheet 33 Cash
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In addition to the standards listed
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4 Principles of consolidation Conso
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From 2 January 2008 until the date
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Capital Markets generated an operat
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Capital Markets Real Estate Financi
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Financial assets and liabilities de
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7.6 Embedded derivatives Embedded d
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8 Cash Public-sector debt instrumen
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13 Leases In accordance with IAS 17
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16 Provisions Provisions are recogn
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Minimum capital requirements The co
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23 Net commission income in € mil
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Net income by category The so-calle
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Other administrative expenses: in
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As a result of the German Business
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34 Loans and advances to banks Loan
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These include € 46,315 million (p
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Existing loans Provisions for lendi
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Financial instruments designated at
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40 Investments carried at equity A
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43 Investment property This item re
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Land and buildings used by third pa
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The future minimum lease payments a
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Trading liabilities (HfT) in € mi
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) Defined benefit plan There are se
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Development of pension obligations
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Of which: Provisions for EU measure
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55 Liabilities assigned to groups o
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The following adjustments were also
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In addition, Landesbank Berlin AG b
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The market situation was dominated
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Majority owner related party disclo
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Information on members of the Board
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Disclosures in line with Article 31
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67 List of investment holdings Comp
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Company, registered office Special
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Company, registered office Minimum
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Executive Bodies of Landesbank Berl
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Auditors’ report “We have audit
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Retail Banking Private Banking Bund
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Capital Markets Business Management
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Imprint Published by Landesbank Ber