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Analyses
  1. NORD/LB
  2. Research
  3. Archiv
  4. Analyses
Research Analyses Our Archive For You Analyses...
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Social
  1. NORD/LB
  2. Sustainability
  3. Social
Sustainability Social Our social responsibility As a responsible bank, we are committed to a corporate culture that puts people at the centre. This encompasses our business relationships and supply chains, the creation of a diverse, equitable and inclusive working environment for our employees, and our engagement in initiatives and partnerships that promote the common good and a fair society. Human Rights Policy Documents Find a policy statement in accordance with the Supply Chain Due Diligence Act (LkSG) Read more Compensation Report Principles, objectives and structures of our remuneration systems. (in german only) Read more Diversity Policy Principles, goals and measures to promote diversity. Read more Human Ressource Management Strengthening employee performance and securing NORD/LB's future Our goal is to expand NORD/LB's position as a reliable and attractive employer and to secure the bank's long-term success through modern human resources work to attract, retain and strengthen the performance of its employees. To achieve this, we create a future-oriented working environment with competitive working conditions and a respectful and diverse corporate culture. A particular focus is placed on employee development and on promoting our talent pool and women in leadership positions. 98,2 % Employee participation rate in a performance/career review in the 2025 financial year 11,5 Average training hours per employee in fiscal year 2025 53 % Proportion of women in the talent center in fiscal year 2025 25,1 % Proportion of women in management at the Bank as a whole in the 2025 financial year * according to CSRD report 2025 PDF Read more Close details Download Read more Skills Development and an Inclusive Working Environment Developing Skills in a Targeted Manner and Promoting Diverse Potential Managers and employees are continuously prepared for future requirements through systematic learning management. We promote potential through targeted development programmes and focus on attracting and developing junior talent in order to build the specialist skills required over the long term. Through systematic diversity management, we aim to promote awareness and visibility and enable people with disabilities to participate in working life as fully as possible. Training and development: Investing in the development of our employees means investing in the future of the Bank. Read more DEIB: Diversity, Equity, Inclusion and Belonging. Read more Our employees are important to us Diverse range of social and fringe benefits NORD/LB offers its employees a range of benefits covering flexible working models, work-life balance, mobility options and health-promoting measures. These include bicycle leasing, company sports, fitness programmes, support for balancing work and private life, and subsidised meals. These benefits support a modern working environment and promote interaction, health and a sense of community within the Bank. Different good, better together Diversity, Equity, Inclusion & Belonging NORD/LB pursues Bank-wide diversity management to strengthen diversity, inclusion and equity. The Community of Diversity creates space for exchange, learning and visibility for different perspectives. The principles of Diversity, Equity, Inclusion and Belonging form part of the corporate culture and are supported by internal networks, awareness-raising formats and binding guidelines. Promotion of well-being and performance NORD/LB places importance on maintaining employee health and strengthening their ability to work and perform. Occupational health management complements statutory occupational health and safety requirements with health-promoting working conditions, preventive services, counselling and health-related initiatives. These include occupational medical advice, health seminars, flu vaccinations, external counselling services, company sports and exercise programmes. Our social commitment Wir zeigen Herz e.V. (driven by heart) "Wir zeigen Herz e.V." is a support association supported by the active and former employees of NORD/LB and Braunschweigische Landessparkasse (BLSK) that promotes civic engagement and charitable causes. Our goal is to make a positive difference in the lives of those who need our help together with our members and volunteer supporters. As a Group, in 2025 we received grants in the form of donations and sponsorship amounting to € ~1 Mio. prompted Since the association was founded in July 2023, "Wir zeigen Herz e. V." has already been able to 49 projects Support Donations & Social Day Strengthening cohesion together We have long regarded donations as part of our social responsibility as a Landesbank and as a way of contributing to the common good. We therefore support, in particular, projects run by organisations that focus on the education and training of disadvantaged children and young people and that help people from challenging social backgrounds improve their living conditions. Many employees also get directly involved, for example through project days such as the NORD/LB-wide Social Day. Employees are given one paid day off to support charitable initiatives on selected projects. Braunschweigische Sparkassenstiftung Together with the Braunschweigische Sparkassenstiftung, we present examples of social engagement in the region. Over the past three years, the foundation has supported more than 450 projects, including numerous initiatives relating to environmental, educational and social issues. We present four examples reflecting different areas of the foundation's work – from environmental education and plastic-free lifestyles to financial education, integration and respectful interaction at schools. Read more Consideration of Human Rights in Our Own Operations and Supply Chain NORD/LB is committed to respecting internationally recognised human rights and takes human rights and environmental due diligence obligations into account in its own operations and supply chain. The relevant framework includes the Code of Conduct, the internal policy on human rights, the policy statement pursuant to the German Supply Chain Due Diligence Act (LkSG), and international standards such as the Universal Declaration of Human Rights, the UN Global Compact, the ILO Core Labour Standards, the UN Guiding Principles on Business and Human Rights and the OECD Guidelines for Multinational Enterprises. A complaints procedure and whistleblowing system are available for reporting and reviewing indications of human rights or environmental risks or violations. This strengthens transparency, prevention and the responsible handling of human rights and environmental due diligence obligations at NORD/LB. Human rights in our policies NORD/LB clearly and bindingly enshrines respect for human rights in its Code of Conduct, the internal human rights guideline and the declaration of principles in accordance with the LkSG. These guidelines set binding standards for responsible conduct – within the bank as well as along our supply and value chains. Procurement Management NORD/LB considers human rights and environmental due diligence obligations in its procurement and service provider management. The Supplier Code of Conduct specifies requirements relating to human rights, labour standards, environmental and climate protection, integrity and corruption, and serves as an ESG framework for service providers and suppliers. Supplier Code of Conduct Whistleblower system according to Supply Chain Due Diligence Act (LkSG) Confidential complaints and reporting channels are available to all employees, business partners and external stakeholders for information concerning potential human rights or environmental risks and violations. Reports received are reviewed and, where necessary, appropriate preventive or remedial measures are initiated. Submitting a note to NORD/LB Responsibility for human rights Key international and national standards provide guidance, including the Universal Declaration of Human Rights, the UN Global Compact, the ILO Core Labour Standards, the UN Guiding Principles on Business and Human Rights, the OECD Guidelines for Multinational Enterprises and the German Supply Chain Due Diligence Act. LKSG Supply Chain Due Diligence Act Contact Tobias Zehnter Chief Sustainability Officer Hannover send an e-mail Team...
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Asset management
  1. Our Customers & Partners
  2. Savings Bank Network
  3. Asset management
Savings Bank Network Asset management Asset management A cooperation with NORD/LB enables savings banks nationwide to combine their regional customer relationships with our international capital market expertise and many years of excellent experience in asset management for private and institutional customers. Our offer comprises three different cooperation models: Individual asset management Individual asset management (IVV) with client-specific strategic orientation Read more NORD/LB-Fonds Here is our NORD/LB-funds. Read more Individual Asset Management Support IVV Support: Administration of savings bank portfolios and providing back-office services Read more Whichever form of cooperation you choose, you can be sure that we will handle your clients' money responsibly and successfully, answer questions at every stage and offer up-to-date products. Our range of services Contract preparation with digital support Ongoing digital sales support (presentations, videos) Support for client meetings and events Asset management reports available to customers via e-postbox Direct access by the savings bank to its customer portfolios Quality assuring measures Training of savings bank employees Possible integration of the savings bank's own model portfolios into the modular allocation structure of NORD/LB portfolio and generational management Contact Ron Große Phone: Call Ron Große +49 (0) 531 487-3101 Braunschweig send an e-mail Marcel Leist Phone: Call Marcel Leist +49 (0) 421 332-2371 Bremen send an e-mail...
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2021
  1. NORD/LB
  2. Investor Relations
  3. Reports
  4. 2021
Investor Relations 2021 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Archive The reports below are provided solely for archival and record-keeping purposes and reflect the information and circumstances prevailing at the time of their publication. Subsequent changes in factual circumstances and legal requirements may mean that some statements are no longer accurate or should be interpreted differently today. NORD/LB Sustainability Report 2021 (PDF, 3 MB) NORD/LB Main Features of the Capital Instruments (31 December 2021) (XLSX, 37 KB) NORD/LB Group Annual Report 2021 (PDF, 6 MB) NORD/LB AöR Annual Report 2021 (PDF, 3 MB) NORD/LB Interim Report as at 30 June 2021 (PDF, 810 KB) Portrait Read more Press Read more Legal notices Read more Sustainability Read more Capital market portal Read more Contact Friedrich Karl Strödter Head of Investor Relations Phone: Call Friedrich Karl Strödter +49 (0) 511 361-3878 Mobile: Call Friedrich Karl Strödter +49 (0) 176 1529 0134 Hannover send an e-mail Team Jonas Sachs Senior Manager Investor Relations & Ratings Phone: Call Jonas Sachs +49 (0) 511 361-5128 Mobile: Call Jonas Sachs +49 (0) 176 1529 0001 Hannover send an e-mail Team...
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Charges overview
  1. Services
  2. Charges overview
Charges overview Overview of our charges and services Please feel free to download our list of charges and services. To see the latest version, it might be necessary to delete your browser’s cache. For information on how to manage a cache-deletion, please refer to your browser’s help services. An overview of our General Business Conditions can be found here: General Business Conditions List of charges and services for download: List of charges and services Further information To access the German information on charges and services please see the following link. Information on charges and services: German documents Current charges and services for download: Conditions foreign currency account: Safekeeping fees Conditions foreign currency account: Overdraft interest Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...
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Emergency plan in accordance with Article 28 (2) of the Benchmark Regulation (BMR)
  1. Legal Notices
  2. Emergency plan in accordance with Article 28 (2) of the Benchmark Regulation (BMR)
Legal Notices Emergency plan in accordance with Article 28 (2) of the Benchmark Regulation (BMR) Emergency plan in accordance with Article 28 (2) of the Benchmark Regulation (BMR) In accordance with Article 28 (2) of Regulation (EU) 2016/1011 (so-called reference value regulation), NORD/LB disposes of sustainable, written plan (emergency schedule) in the event that a reference value that has been a standard is no longer used or changes significantly. Contact Markus Ried Treasury | Head of Liquidity Management Phone: Call Markus Ried +49 (0) 511 361-9608 Hannover send an e-mail...
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Allocation Policy
  1. Legal Notices
  2. Allocation Policy
Legal Notices Allocation Policy Allocation Policy This policy has been formulated to ensure a documented allocation process which ensures the application of objective, fair and transparent criteria in considering all orders submitted by eligible investors during a primary market bond syndication execution. You can find more information here In case you have any questions on this topic please contact your responsible NORD/LB contact person....
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Online Banking
  1. Online Banking
Online Banking Online Banking As already announced here, Braunschweigische Landessparkasse (BLSK) , as part of NORD/LB, is continuing the online banking with immediate effect. This means that you will benefit from additional functionalities and content. The login to your banking at www.blsk.de is located at the top of the browser. To access your online banking, click here: NORD/LB Online Banking...
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2021
  1. NORD/LB
  2. Press
  3. Archive
  4. 2021
Press 2021 The press releases below are provided solely for archival and record-keeping purposes and reflect the information and circumstances prevailing at the time of their publication. Subsequent changes in factual circumstances and legal requirements may mean that some statements are no longer accurate or should be interpreted differently today. 2026 2025 2024 2023 2022 2021 2020 2019...
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Basic Account Opening
  1. Services
  2. Basic Account Opening
Basic Account Opening Basic Account Opening For more information please refer to the german website . Please find our information form as well as our request form also there. Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...
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Account Changing Aid
  1. Services
  2. Account Changing Aid
Account Changing Aid Account Changing Aid For more information please refer to the german website . Please find our request form also there. Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...
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Investments
  1. NORD/LB
  2. Locations and investments
  3. Investments
Locations and investments Investments Investments Braunschweigische Landessparkasse Braunschweigische Landessparkasse (BLSK) is a municipal savings bank in the region of the former Duchy of Braunschweig that now belong to the state of Lower Saxony. It comprises the city of Braunschweig and parts of Salzgitter, in the districts of Helmstedt, Holzminden and Wolfenbüttel as well as in parts of the districts of Goslar, Northeim, Osterode and Peine with over 88 locations. This organisation has its roots in this former Duchy of Braunschweig since BLSK dates back to the "Herzogliche Leyhaus" founded by Carl I. in 1765. BLSK now acts as a savings bank with strong municipal connections and its own market presence. From corporate banking to private banking, BLSK offers its customers the entire range of products and services of a savings bank. BLSK is part of NORD/LB in the form of an "AidA" (as an institution within the institution of Norddeutsche Landesbank). Braunschweigische Landessparkasse (only in german) Caplantic GmbH (100%) Caplantic GmbH is active in the field of alternative assets as a service provider, risk manager and portfolio manager. The company's services include the structuring, management and risk management of investment products in non-liquid asset classes such as real estate financing, infrastructure and renewable energies. NORD/LB holds 100 per cent of Caplantic GmbH. Caplantic DHX Capital Solutions GmbH (50%) DHX Capital Solutions GmbH is an intermediary platform for subordinated capital. DHX is a joint venture between NORD/LB, RGK Management GmbH, and Taunus Incubator GmbH. Through this partnership, NORD/LB clients will benefit not only from the bank’s long-standing expertise in financing, but also from the deep knowledge and extensive network of the joint venture partners. With DHX, NORD/LB is expanding its product offering for institutional investors and creating an additional opportunity for interested investors to participate in subordinated capital and stretched senior debt. Acting solely as an intermediary, DHX connects project companies with the investor side. DHX Capital Solutions GmbH KreditServices Nord (100%) The purpose of the company is to act as an IT provider, in particular providing IT end devices, IT infrastructures and applications as well as technology in the context of processing standardised back office activities in the banking business. NORD/LB holds a 100-percent stake in KreditServices Nord. KreditServices Nord (only in German) Landesbausparkasse NordWest (LBS) (14,43%) With its partners LBS (Landesbausparkasse NordWest) and LBS Immobilien, NORD/LB completes its range of products and services for private customers in the construction and housing sectors. Building savings contracts are tailored to the subsequent acquisition of ownership and the special customer needs. Together with LBS or LBS Immobilien, NORD/LB offers its customers comprehensive support and professional know-how – from objective, expert advice to the financing and acquisition of real estate. NORD/LB holds 14.43 per cent of the guarantor's capital in LBS. LBSNordWest (only in german) NORD/FM Norddeutsche Facility Management GmbH (100%) NORD/FM Norddeutsche Facility Management GmbH is a wholly owned subsidiary of the NORD/LB Group. NORD/FM’s range of services covers all areas of commercial, technical and infrastructure facility management as well as construction supervision. Over the past few years, NORD/FM has successfully established itself on the market and gained the trust of a large number of new customers. Not only customers from the Savings Bank Finance Association commission NORD/FM with the optimisation of their real estate from a holistic perspective, but also public and private clients, primarily from the northern, western and eastern German regions. NORD/LB holds a 100-percent stake in NORD/FM Norddeutsche Facility Management GmbH. Norddeutsche Facility Management GmbH (only in german) NORD/LB Luxembourg S.A. Covered Bond Bank (100%) Following the merger of NORD/LB Luxembourg with the subsidiary NORD/LB Covered Finance Bank, the new bank was renamed NORD/LB Luxembourg S.A. Covered Bond Bank as of 31 May 2015 and is a wholly owned subsidiary of NORD/LB. NORD/LB Luxembourg Covered Bond Bank is a specialist bank and makes a valuable contribution to refinancing the NORD/LB Group's core business by issuing covered bonds under Luxembourg law ("Lettres de Gage"). The issued "Letters de Gage publicques" are rated Aa3 and AAA by Moody's and FITCH Ratings. The good ratings make NORD/LB Luxembourg Covered Bond Bank’s covered bond a sought-after product among international investors. The bank has its own market presence on the international money and capital markets and exclusively sells fixed-income and structured products under its regional sales responsibility for the Group in Europe. In the lending business, the bank focuses on variable-rate loans, short-term fixed-rate loans, bilateral credit lines and complex syndicated financing with the assumption of the facility agent function, in cooperation with corporate clients and structured finance. The moderate size, state-of-the-art IT platform and a motivated team of experienced and competent employees make NORD/LB Luxembourg Covered Bond Bank a flexible and reliable partner for other Group units and customers. NORD/LB Luxembourg S.A. Covered Bond Bank Öffentliche Versicherung Braunschweig (75%) Öffentliche Versicherung Braunschweig is the market leader in south-eastern Lower Saxony as a life and property insurance company, and as an institution of Braunschweigische Landesbrandversicherung. With over 240 years of experience, it is one of the most long-standing insurance companies in Germany. It is the ideal network partner for NORD/LB with the densest service network of all insurers in its sales region and its innovative product and consulting services. NORD/LB holds 75 percent of the guarantor's capital of ÖVB. ÖVB Öffentliche Versicherung Braunschweig (only in german) Contact Mario Gruppe Press Spokesperson NORD/LB Phone: Call Mario Gruppe +49 (0) 511 361-9934 Mobile: Call Mario Gruppe +49 (0) 152 0908 7808 Hannover send an e-mail Team...
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NORD/LB - Your contact for the execution of wills
  1. Our Customers & Partners
  2. Savings Bank Network
  3. Execution of wills
Savings Bank Network Execution of wills Execution of wills Professional implementation and fulfilment of wills after death The will is binding for heirs and executors Service offered to NORD/LB or BLSK customers as well as customers of cooperation savings banks Execution of administrative and ongoing wills NORD/LB is a long-standing provider and experienced service provider in this field Activity: Coordination of funeral formalities Constitution of the estate Housing or household liquidation Termination of existing contracts Valuation and, if necessary, realisation of estate items Deregistration/deletion of digital data (known as the "digital estate") Creation of an estate directory/documentation of estate development Fulfilment of bequests Management of the estate Commissioning of the income tax return Submission of the inheritance tax return Fulfilment of inheritance Customer benefit: Relief of heirs Executor acts as a neutral third party Implementation of the last will is ensured Who may be interested in the execution of a will: Special family circumstances (divorced spouses and patchwork families, customers with children under the age of 18 or with disabilities, heirs who are not able to deal with inheritance processing for other reasons (e.g. spatial distance, age, mental state), single customers without close surviving relatives) Extensive assets (e.g. art collections, complex investment or real estate assets) Fulfilment of special customer wishes (preservation of real estate (e.g. rented houses), large number of bequests and conditions, pre- and post-inheritance regulations, establishment of foundations/endowments upon death) if there is suspicion of dispute among heirs Foundations Establishing foundations is also possible with limited assets Foundation idea: "Doing something good!" is possible for everyone Legacy lives on in the foundation name – memorial idea Non-profit foundations are exempt from inheritance tax – the assets are transferred to the foundation tax-free Stiftungspartner GmbH assumes professional foundation management Foundation types: Endowment : Contribution to an existing foundation as an increase in the foundation's capital. The purpose of the foundation is set out in the charter. Foundation fund : Fund set up specifically for foundations in the form of "subfoundations“. Trust foundation : Non-independent foundation under an umbrella foundation. The umbrella foundation is responsible for administration. No separate committees are required. The name of the foundation can be freely chosen by the founder. Legal foundation : Independent foundation with its own committees (board of directors and board of trustees). The purpose of the foundation can be chosen for charitable purposes. The name of the foundation can be freely chosen by the founder. Further information Private Banking Read more www.blsk.de www.braunschweigische-sparkassenstiftung.de (only in German) Contact Service-Hotline Execution of wills Phone: Call Service-Hotline Execution of wills +49 (0) 511 361-6670 Hannover send an e-mail Benedikt Ernst Savings Bank Network | Execution of wills Phone: Call Benedikt Ernst +49 (0) 511 361-6671 Mobile: Call Benedikt Ernst +49 (0) 173 6221 633 Hannover send an e-mail Lothar Küttner Savings Bank Network | Execution of wills Phone: Call Lothar Küttner +49 (0) 511 361-6077 Mobile: Call Lothar Küttner +49 (0) 172 5219 542 Hannover send an e-mail...
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NORD/LB Funds
  1. Produktseiten
  2. NORD/LB Funds
NORD/LB Funds Invested in a targeted manner - with our variety of strategy Benefit from the expertise of our professional asset management With NORD/LB Funds , we offer you the opportunity to invest in the outcomes of our investment process through a single fund. Our objective is to invest the assets managed within the fund with a long-term focus on returns. Continuous monitoring and active management of the fund's assets form a central part of our investment process. In line with the strategies available within our individual asset management service, the following sub-funds are offered: NORD/LB Pension Strategy NORD/LB Portfolio Defensiv NORD/LB Portfolio Balanced NORD/LB Stock Minimum ESG criteria in the investment process In the investment process, defined minimum criteria on social and ecological aspects are taken into account. To assess these criteria, portfolio management relies on data provided by an independent sustainability rating agency. The consideration of such criteria does not imply that all investments made by the fund are sustainable or that the investment will achieve a specific environmental or social impact. Further details on the specific design, scope and methodology of these minimum criteria, as well as any product-specific sustainability characteristics, are available exclusively in the fund’s current sales documents and pre-contractual disclosures. Your goals – our strategies Depending on whether your focus is on wealth preservation or asset accumulation, different investment strategies can be considered. Investors can choose from four strategies that differ in their allocation ranges across the asset classes equities, bonds and liquidity. Broad Diversification – one solution With one of our four funds, you gain access to a broad range ofmarkets, industries and asset classes through a single investment product, with no minimum investment amount. A broadly diversified investment approach can help spread risk, although losses cannot be ruled out. Do you have any questions? Feel free to contact us. Downloads (german only) Factsheet NORD/LB Pension Strategy A Factsheet NORD/LB Pension Strategy V Factsheet NORD/LB Portfolio Defensiv Factsheet NORD/LB Portfolio Balanced Factsheet NORD/LB Stock Investment fund opportunities and risks Opportunities - Price increases in the equity segment due to market, industry and company-related factors - Exchange rate opportunities in the bond segment due to changes in interest rates and debtor credit rating - Risk diversification through global investment in equities, interest-bearing securities and money market assets - Broad diversification by company, country and sector in the equity segment - Broad diversification by debtor and maturity in the bond segment - Objective selection and weighting of all financial instruments based on fundamental and technical analyses Risks - Price losses due to changes in the value of investments in the equity and/or bond segment - The value of managed assets may fall below the initial value (no capital guarantee) - Rising interest rates on the capital market can lead to price losses on interest-bearing investments - A deterioration in the credit rating (up to payment default) of individual bond debtors (e.g. states or companies) can lead to price losses in the bond segment - Supply and demand-related restrictions on the tradability of financial instruments can lead to the permanent or temporary inability to sell investments or only at prices that are not in line with the market - Additional incidental costs incurred (transaction costs, commissions) can affect performance - Environmental, social or governance events or conditions may have a negative impact on the investment. Your contact persons Felix Ecken Private Investors | Securities Specialists Phone: Call Felix Ecken +49 (0) 421 332-3254 Bremen send an e-mail Team Mara Geier Private Investors | Securities Specialists Phone: Call Mara Geier +49 (0) 421 332-3249 Bremen send an e-mail Team Christine Knoll Private Investors | Freelance Professions Phone: Call Christine Knoll +49 (0) 441 237-1440 Oldenburg send an e-mail Team Frank Weber Private Investors | Freelance Professions Phone: Call Frank Weber +49 (0) 421 332-2430 Bremen send an e-mail Team...
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Individual asset management
  1. Produktseiten
  2. Individual asset management
Individual asset management Tailored to Your Goals and Preferences Active Portfolio Management Across Asset Classes Our objective is to manage your assets in accordance with your investment objectives and risk tolerance. Within our individual asset management (IAM), we follow an active portfolio management approach across the asset classes of equities, fixed income securities and cash. Our investment decisions are based on research conducted by NORD/LB. Volatility and downside risks are also taken into account in our analysis and portfolio management. Aggressive investment strategies and leveraged financial instruments are not part of our investment approach. Your Preferences Shape the Strategy As part of our individual asset management service, you can choose from a range of investment options covering equities, fixed income securities and cash. You also determine the allocation ranges for these asset classes. Your assets are managed in line with the selected strategy and the agreements reached with you. Continuous monitoring of the capital markets and regular reviews form part of our investment process. This service is available for investment volumes of €100,000 or more. For lower investment amounts, investors may invest in our NORD/LB funds , which reflect the different strategies available within our IAM offering. External Assessment of Our Asset Management Services Our asset management offering is regularly reviewed by independent expert panels. For example, the specialist publication Elite Report, in cooperation with Handelsblatt, regularly evaluates a large number of wealth managers in German-speaking countries. Our services have been included among the recognised providers in these assessments on multiple occasions. Do you have any questions? Feel free to contact us. Opportunities and risks of asset management Opportunities - Price increases in the equity segment due to market, industry and company-related factors - Exchange rate opportunities in the bond segment due to changes in interest rates and debtor credit rating - Risk diversification through global investment in equities, interest-bearing securities and money market assets - Broad diversification by company, country and sector in the equity segment - Broad diversification by debtor and maturity in the bond segment - Objective selection and weighting of all financial instruments based on fundamental and technical analyses Risks - Price losses due to changes in the value of investments in the equity and/or bond segment - The value of managed assets may fall below the initial value (no capital guarantee) - Rising interest rates on the capital market can lead to price losses on interest-bearing investments - A deterioration in the credit rating (up to payment default) of individual bond debtors (e.g. states or companies) can lead to price losses in the bond segment - Supply and demand-related restrictions on the tradability of financial instruments can lead to the permanent or temporary inability to sell investments or only at prices that are not in line with the market - Additional incidental costs incurred (transaction costs, commissions) can affect performance Further information on the topic of sustainability in asset management can be found here Read more Your contact persons Sven Brünjes Private Investors | Freelance Professions Phone: Call Sven Brünjes +49 (0) 421 332-2750 Bremen send an e-mail Team Manja Nietert Private Investors | Asset Management Phone: Call Manja Nietert +49 (0) 421 332-2084 Bremen send an e-mail Team Marcus Probst Private Investors | Hannover Phone: Call Marcus Probst +49 (0) 511 361-2342 Hannover send an e-mail Team...
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