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Bayernlb 2013 Annual Report and Accounts

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Bayernlb 2013 Annual Report and Accounts BayernLB Group BayernLB at a glance Income statement (IFRS) 2013 EUR million 1 Jan-31 Dec 2013 1 Jan-31 Dec 2012 Change in % Net interest income 1,919 1,907 0.7 Risk provisions in the credit business – 653 – 459 42.5 Net interest income after risk provisions 1,266 1,448 – 12.6 2013 Annual Report and Accounts Net commission income 289 260 11.0 Gains or losses on fair value measurement 271 299 – 9.3 Annual Report Gains or losses on hedge accounting – 27 3 – Gains or losses on financial investments 74 3 >100 Income from interests in companies measured at equity 40 – 38 – Administrative expenses – 1,533 – 1,639 – 6.5 Expenses for bank levies – 51 – 53 – 3.8 and Accounts Other income and expenses 89 421 – 78.9 Gains or losses on restructuring – 164 – 62 >100 Profit before taxes 253 642 – 60.6 Cost/income ratio (CIR) 57.7 % 57.4 % 0.3 pp1 Return on equity (RoE) 1.7 % 5.2 % -3.5 pp1 Consolidated financial statements Facts. Figures. Balance sheet (IFRS) EUR million 31 Dec 2013 31 Dec 2012 Change in % Total assets 255,601 286,864 – 10.9 Business volume 298,525 330,330 – 9.6 Credit volume 193,573 207,771 – 6.8 Total deposits 157,374 161,340 – 2.5 Securitised liabilities 52,964 60,319 – 12.2 Subordinated capital 4,984 6,346 – 21.5 Equity 14,879 14,903 – 0.2 Consolidated financial statements Consolidated financial statements Banking supervisory ratios under the German Banking Act (KWG) EUR million 31 Dec 2013 31 Dec 2012 Change in % Core capital 13.8 13.0 6.4 Own funds 17.0 17.3 – 2.0 Risk positions under the Solvency Ordinance 87.6 100.4 – 12.8 Core capital ratio 15.8 % 12.9 % 2.9 pp1 Own funds ratio (overall ratio) 19.4 % 17.3 % 2.1 pp1 Bayerische Landesbank Core tier 1 ratio (according to EBA) 15.2 % 11.6 % 3.6 pp1 Brienner Strasse 18 80333 Munich Employees www.bayernlb.com 31 Dec 2013 31 Dec 2012 Change in % Number of employees 8,568 9,932 -13.7 Current ratings Long-term Short-term Pfandbriefs2 Fitch Ratings A+ F1+ AAA Moody’s Investors Service Baa1 Prime-2 Aaa 1 Percentage points 2 Applies to public-sector Pfandbriefs and mortgage Pfandbriefs BayernLB Group BayernLB at a glance Income statement (IFRS) 2013 EUR million 1 Jan-31 Dec 2013 1 Jan-31 Dec 2012 Change in % Net interest income 1,919 1,907 0.7 Risk provisions in the credit business – 653 – 459 42.5 Net interest income after risk provisions 1,266 1,448 – 12.6 2013 Annual Report and Accounts Net commission income 289 260 11.0 Gains or losses on fair value measurement 271 299 – 9.3 Annual Report Gains or losses on hedge accounting – 27 3 – Gains or losses on financial investments 74 3 >100 Income from interests in companies measured at equity 40 – 38 – Administrative expenses – 1,533 – 1,639 – 6.5 Expenses for bank levies – 51 – 53 – 3.8 and Accounts Other income and expenses 89 421 – 78.9 Gains or losses on restructuring – 164 – 62 >100 Profit before taxes 253 642 – 60.6 Cost/income ratio (CIR) 57.7 % 57.4 % 0.3 pp1 Return on equity (RoE) 1.7 % 5.2 % -3.5 pp1 Consolidated financial statements Facts. Figures. Balance sheet (IFRS) EUR million 31 Dec 2013 31 Dec 2012 Change in % Total assets 255,601 286,864 – 10.9 Business volume 298,525 330,330 – 9.6 Credit volume 193,573 207,771 – 6.8 Total deposits 157,374 161,340 – 2.5 Securitised liabilities 52,964 60,319 – 12.2 Subordinated capital 4,984 6,346 – 21.5 Equity 14,879 14,903 – 0.2 Consolidated financial statements Consolidated financial statements Banking supervisory ratios under the German Banking Act (KWG) EUR million 31 Dec 2013 31 Dec 2012 Change in % Core capital 13.8 13.0 6.4 Own funds 17.0 17.3 – 2.0 Risk positions under the Solvency Ordinance 87.6 100.4 – 12.8 Core capital ratio 15.8 % 12.9 % 2.9 pp1 Own funds ratio (overall ratio) 19.4 % 17.3 % 2.1 pp1 Bayerische Landesbank Core tier 1 ratio (according to EBA) 15.2 % 11.6 % 3.6 pp1 Brienner Strasse 18 80333 Munich Employees www.bayernlb.com 31 Dec 2013 31 Dec 2012 Change in % Number of employees 8,568 9,932 -13.7 Current ratings Long-term Short-term Pfandbriefs2 Fitch Ratings A+ F1+ AAA Moody’s Investors Service Baa1 Prime-2 Aaa 1 Percentage points 2 Applies to public-sector Pfandbriefs and mortgage Pfandbriefs Corporate profile Sparkassen-Finanzgruppe in Bavaria Sparkassen-Finanzgruppe Market leader in Bavaria • Aggregate total assets (bank business): EUR 438 billion • Aggregate regulatory capital (excl. BayernLB): EUR 18.6 billion BayernLB is one of the leading commercial banks for large and Mittelstand customers in Germany Real Estate • Aggregate premium volume (insurance business): EUR 7.2 billion and a strong, regionally focused corporate and real estate lender with a balanced risk profile. BayernLB’s real estate business provides services and long-term financing for commercial real estate. In As a member of the Sparkassen Finanzgruppe, BayernLB is a close partner of the savings banks regional terms, the Real Estate division’s focus is on Germany and selectively serving German customers in Bavaria, providing them with a wide range of products while also acting as central bank abroad. Rounding out these target customers are international companies with a connection to Germany. for the Association. Retail customers are mainly served by BayernLB’s Deutsche Kreditbank AG In the commercial real estate area, products include financing for real estate assets and portfolios, project (DKB) subsidiary. developments and housing developers. In the area of managed real estate, the Bank provides financing concepts primarily for hotels, logistics centres, hospitals, clinics and care homes for the elderly. The Real Large German and selected international companies with a German connection BayernLB 71 savings banks Versicherungskammer Bayern Estate division also arranges syndicated loans with the savings banks and other partners. BayernLB prides itself on its successful and long-term relationships with German and international Consolidated total assets: Total assets: EUR 182 billion Premium volume: EUR 7.2 billion customers. On the domestic front, these include DAX, MDAX and family-owned companies Moreover, it works in close partnership with BayernLB’s real estate subsidiaries (Real I. S. AG, LBImmoWert, EUR 255.6 billion Staff: 44,769 Staff: 6,730* BayernImmo and BayernFM) to offer customers an even more comprehensive one-stop shop. with annual sales of at least EUR 1 billion which operate from their home market in Germany. Staff: • Branches: 2,354 Investment portfolio: EUR 42.5 billion International companies with a significant connection to Germany are likewise served. The Bank’s Bank: 3,418 • Self-service branches: 392 Public sector Group: 8,568 Germany’s largest public-sector core competencies are traditional credit financing such as working capital, capex and trade • Advisory centres: 465 In its public-sector business, BayernLB focuses particularly on expanding its market share in its home market insurance provider financing. And when its customers do business abroad, they count on BayernLB’s recognised Customer loans: EUR 113 billion of Bavaria and intensifying sales in close partnership with the Bavarian savings banks. It provides a wide range Bayerische Landesbodenkreditanstalt expertise for all their needs, be it currency and interest rate hedging, traditional trade finance. Customer deposits: EUR 142 billion of customised financing and investment solutions to governments, local authorities and public institutions. Market leader in Bavaria project and export finance, etc. In addition, BayernLB helps its customers to tap capital markets Market share The BayernLB Group stands out in this segment thanks to its long-standing experience and its expertise in Lending volume (proprietary and fidu- and the Palatinate for their financing needs, whether by traditional bonds or German Schuldschein note loans. ciary business): EUR 25.0 billion • Approx. 40 % of SMEs public-private partnership projects and the renewable energy sector. Liquidity management is another significant • Two-thirds of trade businesses State subsidised business in 2013 Entities within the service for these customers. • 50 % of company start-ups Middle-market (Mittelstand) companies (number of apartments and residences): Versicherungskammer BayernLB is the bank for German Mittelstand companies, especially in the economic powerhouses 8,774 DekaBank Bayern Group (VKB) Retail customers of Bavaria and North Rhine-Westphalia. Thanks to the high quality of its products and advisory Share of Bavarian savings banks • Composite insurers Thanks to its subsidiary Deutsche Kreditbank (DKB), “your bank on the web”, BayernLB already boasts around services, good personal business relationships and years of experience it has established a profile BayernLB Group companies include organisation: 14.7 % • Life insurers 2.7 million retail customers. And the number keeps growing. In addition to its online banking operations, Consolidated total assets: • Health insurers as a reliable partner to these customers. With its extensive know-how, BayernLB helps Mittel- • Deutsche Kreditbank AG, Berlin DKB is active in growing markets like environmental technology, health services and education & research. EUR 118.9 billion** • Re-insurers stand companies export to new markets – every step of the way. BayernLB is also extremely well • BayernInvest Kapitalanlage- Target customers also include business clients and customers from the infrastructure sector, particularly in gesellschaft mhH, Munich Landesbank Berlin positioned in the subsidised loan market. As a long-term partner, BayernLB offers products that the eastern half of Germany. • Real I. S. AG, Munich Share of Bavarian savings bank go far beyond traditional credit financing, tailoring them to the needs of its customers in the • MKB Bank Zrt., Budapest organisation areas of export and trade finance, documentary business, interest and currency management, BayernLB’s legal mandate to promote residential construction and urban development on a non-competitive incl.
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