International presence with north German focus

NORD/LB is a universal bank at the heart of northern Germany and is clearly focused on its core business with special attention paid to the region. The company's headquarters in Hanover, Braunschweig and Magdeburg mark the roots of the bank in its supporting states of Lower Saxony and Saxony-Anhalt.

NORD/LB looks back on a one hundred year old tradition. In 1970, Norddeutsche Landesbank Girozentrale emerged from the merger of four predecessors: Braunschweigische Staatsbank (established in 1765), Hannoversche Landeskreditanstalt (established in 1840), Niedersächsische Landesbank Girozentrale (established in 1917) and Niedersächsische Wohnungskreditanstalt Stadtschaft (established in 1918).

As a commercial bank, we offer an extensive range of financial services to our private, corporate and institutional customers as well as public sector customers. In the area of structured financing, we are involved in ship and aircraft financing and in international projects at select locations in the sectors of energy, infrastructure, industry and real estate. Globally, we are represented in all important trading centres such as London, New York, Shanghai and Singapore through our branches and representative offices.

NORD/LB does business as the Landesbank for Lower Saxony and Saxony-Anhalt and assumes the responsibilities of a central bank for savings banks in the federal states of Lower Saxony (43 savings banks), Saxony-Anhalt (13 savings banks) and Mecklenburg-Western Pomerania (10 savings banks). The NORD/LB Group possesses more than 100 locations in Braunschweig country through Braunschweigische Landessparkasse (an institute in an institute).

As a central bank for savings banks, we are a partner of the savings banks in Lower Saxony, Saxony-Anhalt and Mecklenburg-Western Pomerania. Beyond these three federal states, we also operate as a service provider for individual savings banks. Furthermore, in our role as a Girozentrale, we offer all the services that are relevant for the savings banks we support.

Finally, the bank's activities include the development business. Investitionsbank Sachsen-Anhalt (Saxony-Anhalt Investment Bank) and Landesförderinstitut Mecklenburg-Vorpommern (Mecklenburg-Western Pomerania State Development Institute), which belong to the NORD/LB Group, advise the respective state governments. The development banks are also contacts for development questions in their respective federal states: They offer their customers consulting services for all issues related to development and support them in filing applications for programmes.

Our self-conception as a bank is shaped by this regional combination, which is also reflected in our business model. We regularly rework this to react to the constantly changing conditions and to prepare ourselves for new challenges. With our north-German focus and simultaneous international presence, we are well situated and will also be able to successfully address the challenges awaiting us in the future.

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 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 ship financing activities of NORD/LB in Germany and abroad are recognised in this segment. Customers in the Ship Customers segment are offered short and long-term financing, such as advance and interim financing as well as short and medium-term construction period financing and final financing (long-term) for their projects. The provision of loans and guarantees allows for the asset-based financing of ships generally secured by an asset. Products such as swap, options, futures and forward transactions round off the range.


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

Ownership structure

Currently 100% in the hands of public sector guarantors

Since the merger to create NORD/LB in 1970, the states and savings banks have been behind us. In the beginning, the state of Lower Saxony and the savings banks in Lower Saxony equally divided the shares in NORD/LB. When NORD/LB also became the Landesbank for Mecklenburg-Western Pomerania and Saxony-Anhalt, these two states and their savings bank associations were also added. Since the departure of the state Mecklenburg-Western Pomerania in 2005, the ownership structure has looked like this:

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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