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05E-KA 2007.Qxd ANNUAL REPORT AAREAL BANK GROUP 2007 2007 KEY GROUP FIGURES 1 Jan- 31 Dec 2007 1 Jan- 31 Dec 2006 Change Consolidated Income Statement € mn € mn € mn Operating profit 380 160 220 Group net income / loss after minority interest income 290 107 183 Indicators Cost / income ratio (%) 1) 49.7 54.1 Earnings per share (€ ) 6.77 2.49 RoE after taxes (%) 25.0 10.9 31 Dec 2007 31 Dec 2006 Change Change Portfolio data € mn € mn € mn % Property financing 22,550 20,682 1,868 9 of which: international 16,878 14,289 2,589 18 Property financing under management 2) 23,992 22,771 1,221 5 of which: international 16,878 14,289 2,589 18 Shareholders’ equity 1,627 1,372 255 19 Total assets 40,202 38,279 1,923 5 Regulatory Indicators % % Core capital ratio (German Banking Act) 8.0 3) 8.3 Total capital ratio (German Banking Act) 12.3 3) 13.5 Core capital ratio (BIS rules) 4) 7.3 3) 7.3 Total capital ratio (BIS rules) 4) 11.2 3) 12.1 31 Dec 2007 31 Dec 2006 Rating Fitch Ratings, London Long-term A- A- Short-term F2 F2 1) only in the Structured Property Financing segment 2) The figure for property finance under management also includes property loans managed on behalf of DEPFA Deutsche Pfandbriefbank AG 3) After confirmation of Aareal Bank AG’s financial statements 2007. The inclusion of retained earnings transferred as part of Aareal Bank AG’s liable equity capital as at 31 December 2007 is subject to approval by the Annual General Meeting 4) The ratios were calculated in accordance with the definitions by the Basel Committee. No agreement regarding the determination of the ratios has been concluded with the German Federal Financial Supervisory Authority (BaFin). ▲ Key Group Figures Key Group Imprint Contents: Aareal Bank AG, Corporate Communications Photographs: Peter Stumpf, Düsseldorf Goetzke Photographie, Rodgau A view for new perspectives: The photographs show our Wiesbaden Head Office from unusual perspectives. Design / Layout: s/company, Fulda-Künzell, Germany Production: Druckerei Chmielorz GmbH, Wiesbaden-Nordenstadt, Germany The report is also available in German language. CONTENTS I Key Group Figures . 2 Milestones of Aareal Bank Group 2007 . 4 Letter to Shareholders . 6 The Aareal Bank Share . 15 Structured Property Financing . 21 Case Study: Westmont Hospitality, Europe Portfolio Project . 24 Case Study: River Ouest, Paris . 28 Refinancing . 33 Case Study: Second Aareal Bank Jumbo Pfandbrief . 35 Consulting / Services . 39 Case Study: Wankendorfer Baugenossenschaft für Schleswig-Holstein eG . 44 Case Study: GBO Gemeinnützige Baugesellschaft mbH Offenbach . 48 Our employees . 52 Group Management Report . 58 Business and Environment . 59 Group Profitability . 71 Segments . 72 Financial Situation . 82 Risk Report . 88 Outlook . 11 8 Disclosure pursuant to section 315 No. 4 of the HGB . 12 6 Report on Material Events after the Reporting Date . 12 7 Contents II . 128 Consolidated Financial Statements . 130 Consolidated Income Statement . 131 Consolidated Balance Sheet . 133 Consolidated Statement of Changes in Shareholders’ Equity . 134 Consolidated Statement of Cash Flows . 136 Notes to the Consolidated Financial Statements . 138 (A) Basis of Accounting . 139 (B) Notes to the Consolidated Income Statement . 153 (C) Notes to the Consolidated Balance Sheet . 160 (D) Reporting on Financial Instruments . 183 (E) Segment Reporting . 19 6 (F) Other Explanatory Notes . 202 (G) Executive Bodies of Aareal Bank AG . ..
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