In addition to business involving private, individual, commercial and small-business customers, this segment also includes small and medium-sized corporate customers in the Braunschweig region. The product range for the private and commercial customers segment is based on the savings bank financial concept and comprises all of the standard banking services and products for the account and lending business, the savings and investment business as well as the provision of internet banking and direct brokerage. Expanded services for wealthy private customers include the integrated advisory approach based on asset structure analysis, financial planning, asset succession, inheritance and foundation management. The product range for small and medium-sized corporate customers also includes investment loans and business start-up consulting.

>Private Customers

>Private Banking

>Business Customers

The Markets segment includes the financial market activities conducted on behalf of customers in Germany, at foreign branches and within Group companies.

It offers alternative and non-mass market products, including derivatives, such as, in particular, special types of debt securities that are not standardised in terms of their interest rate and repayments, but instead offer alternatives to income generation, the type of repayment or the timing of repayment (structured securities). Within the secondary business, it conducts the sale or trade of all types of securities. Individual solutions for institutional customers, such as the structuring of special funds, pool fund solutions as well as portfolio management mandates and institutional mutual funds, are also offered.

In addition, it also offers private banking products, investment products in the form of, for example, open or closed-end funds (real estate, aircraft) and products for individual asset management or estate or foundation management for savings banks, which these banks request either as direct customers for their own trading business or to round off their product range in their business with private or corporate customers.

>Banks and Saving Banks

>Institutional Customers

The savings banks are our owners, our customers and our market access to a broad customer base. All significant co-operation business activities concerning the savings bank network in Lower Saxony, Saxony-Anhalt and Mecklenberg-Western Pomerania as well as the extended network are concentrated within the business segment Savings Bank Network Customers.

Here, we focus on savings bank‘s co-operation business together with corporate and sydication customers. Further services are giro centre transactions, financing municipal clients, promotional loan business, NORD/LB’s syndication loan business and other services. Offices for the Savings Bank Network Customers are in Hannover, Bremen, Oldenburg, Braunschweig, Magdeburg and Schwerin.

>Associated Savings Banks


>Federal & State Authorities

The remit covers global business relations with customers of NORD/LB in various sectors: infrastructure, energy (including renewables in particular) and leasing. It primarily offers project financing for a specific project or object and is tailored to meet the individual customer’s needs. The structure of this financing is developed with a view to the respective political and economic risks, legal and tax factors, social determinants as well as optimal equity structures. The goal is to tailor the project requirements and cash flow processes to the respective customer.



The aircraft financing activities of NORD/LB in Germany and abroad are recognised in this segment. The focus of aircraft financing is on the asset-based financing of commercial aircraft from well-known manufacturers. The target customers are airlines and leasing companies, which are offered individual financing solutions in addition to the NORD/LB Group’s high level of expertise in core products. In addition, it also carries out the covered export business.


The national and international commercial real estate financing provided by NORD/LB and Deutsche Hypo are consolidated here. This generally involves structured financing for large volume commercial real estate projects and portfolios in Germany and abroad. Both interim financing for new construction projects and long-term loans for current properties are offered.

>Real Estate

North is not only a direction. It's a state of mind.

Confidence, responsibility, sustainability.

Confidence as the result of fair, reliable treatment of each other like partners.

Responsibility as an expression of our mindset of tackling things and producing sustainable success.

Sustainability as our conviction that the balance between economical, ecological and social aspects will make us successful over the long term.

Courage as a sign of our willingness to take risks, develop innovative solutions and design a sustainable future for you to open up more room for action.

Performance as a requirement for our success!


NORD/LB Headquarters
Friedrichswall 10
30159 Hannover

Dauer: 01:00
Hochgeladen am: 06.08.2019

NORD/LB in 60 seconds: Our business model

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