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Investor Relations Archive 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. 2014 NORD/LB AoeR Remuneration Report 2014 (PDF, 322 KB) NORD/LB AöR Individual financial statement 2014 (PDF, 597 KB) End 2014 data collection of the Macroprudential Supervision Group of the Basel Committee on Banking Supervision to assess the systemic importance of banks in a global context (PDF, 47 KB) NORD/LB Disclosure Report 2014 (PDF, 2 MB) NORD/LB Remuneration Report 2014 (PDF, 323 KB) NORD/LB Interim Report as at 30 September 2014 (PDF, 528 KB) NORD/LB Interim Report as at 30 June 2014 (PDF, 555 KB) NORD/LB Interim Report as at 31 March 2014 (PDF, 514 KB) Publications of Bremer Landesbank Bremer Landesbank IFRS Consolidated Financial Statement and Group Management Report 2014 (PDF, 6 MB) Bremer Landesbank HGb Reports and Financial Statements 2014 (PDF, 4 MB) Bremer Landesbank IFRS Interim Financial Report 2014 (PDF, 618 KB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2014 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2014 (PDF, 405 KB) 2013 NORD/LB AöR Remuneration Report 2013 (PDF, 602 KB) NORD/LB AöR Individual financial statement 2013 (PDF, 490 KB) NORD/LB Group Annual Report 2013 (PDF, 4 MB) NORD/LB Disclosure Report 2013 (PDF, 317 KB) NORD/LB Remuneration Report 2013 (PDF, 603 KB) NORD/LB Interim Report as at 30 September 2013 (PDF, 474 KB) NORD/LB Interim Report as at 30 June 2013 (PDF, 507 KB) NORD/LB Interim Report as at 31 March 2013 (PDF, 473 KB) Publications of Bremer Landesbank Bremer Landesbank HGB Reports and Financial Statement 2013 (PDF, 971 KB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2013 (PDF, 1 MB) Bremer Landesbank IFRS Interim Financial Report 2013 (PDF, 461 KB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2013 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2013 (PDF, 377 KB) 2012 NORD/LB AoeR Remuneration Report 2012 (PDF, 587 KB) NORD/LB Group Annual Report 2012 (PDF, 6 MB) NORD/LB Disclosure Report 2012 (PDF, 333 KB) NORD/LB Interim Report as at 30 September 2012 (PDF, 492 KB) NORD/LB Interim Report as at 30 Juni 2012 (PDF, 474 KB) NORD/LB Interim Report as at 31 March 2012 (PDF, 845 KB) Publications of Bremer Landesbank Bremer_Landesbank_HGB_Reports_and_financial_statements_2012.pdf (PDF, 694 KB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2012 (PDF, 2 MB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2012 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2012 (PDF, 309 KB) 2011 NORD/LB AöR Remuneration Report 2011 (PDF, 3 MB) NORD/LB Disclosure Report 2011 (PDF, 383 KB) NORD/LB AöR Individual financial statement 2011 (PDF, 512 KB) NORD/LB Group Annual Report 2011 (PDF, 6 MB) NORD/LB Interim Report as at 30 September 2011 (PDF, 758 KB) NORD/LB Interim Report as at 30 June 2011 (PDF, 849 KB) NORD/LB Interim Report as at 31 March 2011 (PDF, 1 MB) Publications of Bremer Landesbank Bremer Landesbank HGB Reports and Financial Statements 2011 (PDF, 1 MB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2011 (PDF, 2 MB) Bremer Landesbank IFRS Interim Financial Report 2011 (PDF, 642 KB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2011 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2011 (PDF, 417 KB) 2010 NORD/LB AoeR Remuneration Report 2010 (PDF, 2 MB) NORD/LB AöR Individual financial statement 2010 (PDF, 632 KB) NORD/LB Disclosure Report 2010 (PDF, 763 KB) NORD/LB Group Annual Report 2010 (PDF, 6 MB) NORD/LB Interim Report as at 30 September 2010 (PDF, 486 KB) NORD/LB Interim Report as at 30 June 2010 (PDF, 492 KB) NORD/LB Interim Report as at 31 March 2010 (PDF, 457 KB) Publications of Bremer Landesbank Bremer Landesbank HGB Reports and Financial Statements 2010 (PDF, 1 MB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2010 (PDF, 1 MB) Bremer Landesbank IFRS Interim Financial Report 2010 (PDF, 571 KB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2010 (PDF, 772 KB) Deutsche Hypo Interim Reports as at 30 June 2010 (PDF, 289 KB) 2009 NORD/LB Disclosure Report 2009 (PDF, 343 KB) NORD/LB AöR Individual financial statement 2009 (PDF, 512 KB) NORD/LB Group Annual Report 2009 (PDF, 3 MB) NORD/LB Interim Report as at 30 September 2009 (PDF, 487 KB) NORD/LB Interim Report as at 30 June 2009 (PDF, 538 KB) Publications of Bremer Landesbank Bremer Landesbank HGB Reports and Financial Statements 2009 (PDF, 998 KB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2009 (PDF, 1 MB) Bremer Landesbank IFRS Interim Financial Report 2009 (PDF, 684 KB) 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...

Investor Relations 2015 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 AöR Remuneration Report 2015 (PDF, 752 KB) NORD/LB AöR Individual financial statement 2015 (PDF, 4 MB) NORD/LB Sustainability Report 2015 (PDF, 5 MB) NORD/LB Main Features of the Capital Instruments (31 December 2015) (XLSX, 152 KB) NORD/LB Remuneration Report 2015 (PDF, 957 KB) End 2015 data collection of the Macroprudential Supervision Group of the Basel Committee on Banking Supervision to assess the systemic importance of banks in a global context. (PDF, 23 KB) NORD/LB Disclosure Report 2015 (PDF, 8 MB) NORD/LB Group Annual Report 2015 (PDF, 10 MB) NORD/LB Group tables (31 December 2015) (XLSX, 139 KB) NORD/LB Interim Report as at 30 September 2015 (PDF, 1 MB) NORD/LB Group tables (30 September 2015) (XLSX, 136 KB) NORD/LB Disclosure Report as at 30 September 2015 (PDF, 561 KB) NORD/LB Group tables (30 June 2015) (XLSX, 139 KB) NORD/LB Disclosure Report as at 30 June 2015 (PDF, 1 MB) NORD/LB Interim Report as at 30 June 2015 (PDF, 4 MB) NORD/LB Disclosure Report as at 31 March 2015 (PDF, 137 KB) NORD/LB Interim Report as at 31 March 2015 (PDF, 759 KB) NORD/LB Group tables (31 March 2015) (XLSX, 139 KB) Publications of Bremer Landesbank No documents found. Publications of Deutsche Hypothekenbank Bremer Landesbank HGB Reports and Financial Statements 2015 (PDF, 4 MB) Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2015 (PDF, 7 MB) Bremer Landesbank IFRS Interim Financial Report 2015 (PDF, 4 MB) 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...

Investor Relations 2018 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 Group Annual Report 2018 (PDF, 12 MB) NORD/LB AöR Individual financial statement 2018 (PDF, 660 KB) NORD/LB Group tables (31 December 2018) (XLSX, 351 KB) NORD/LB Main Features of the Capital Instruments (31 December 2018) (XLSX, 345 KB) NORD/LB Sustainability Report 2018 (PDF, 1 MB) NORD/LB Remuneration Report 2018 (PDF, 1 MB) NORD/LB Group Remuneration Report 2018 (PDF, 809 KB) NORD/LB Sustainability Report 2018 (PDF, 1 MB) NORD/LB Group tables (30 September 2018) (XLSX, 85 KB) NORD/LB Interim Report as at 30 September 2018 (PDF, 158 KB) NORD/LB Group tables (30 June 2018) (XLSX, 349 KB) NORD/LB Half-Year Review 2018 - Facts & Figures (PDF, 175 KB) NORD/LB Main Features of the Capital Instruments (30 June 2018) (XLSX, 346 KB) NORD/LB Group tables (31 March 2018) (XLSX, 84 KB) Publications of Deutschen Hypothekenbank Deutsche Hypo Annual Report 2018 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2018 (PDF, 512 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...

Investor Relations 2019 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 Group tables (30 September 2019) (XLSX, 85 KB) NORD/LB Group tables (31 December 2019) (XLSX, 348 KB) NORD/LB AöR Individual financial statement 2019 (PDF, 3 MB) NORD/LB Group Annual Report 2019 (PDF, 12 MB) NORD/LB Main Features of the Capital Instruments (31 Dec 2019) (XLSX, 334 KB) NORD/LB Group Remuneration Report 2019 (PDF, 268 KB) NORDLB AöR Remuneration Report 2019 (PDF, 291 KB) NORDLB Group Sustainability Report 2019 (PDF, 4 MB) NORD/LB Sustainability Report 2019 (PDF, 3 MB) NORD/LB Interim Report as at 30 June 2019 (PDF, 6 MB) NORD/LB Group tables (30 June 2019) (XLSX, 346 KB) NORD/LB Main Features of the Capital Instruments (30 June 2019) (XLSX, 336 KB) NORD/LB Slavery and Human Trafficking Statement 2019 (PDF, 1 MB) NORD/LB Group tables (31 March 2019) (XLSX, 87 KB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2019 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2019 (PDF, 492 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...

Investor Relations 2016 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 Disclosure Report 2016 (PDF, 1 MB) NORD/LB Group tables (31 December 2016) (XLSX, 142 KB) NORD/LB Group Annual Report 2016 (PDF, 11 MB) NORD/LB Remuneration Report 2016 (PDF, 845 KB) NORD/LB Main Features of the Capital Instruments (31 December 2016) (XLSX, 337 KB) NORD/LB AöR Individual financial statement 2016 (PDF, 1 MB) NORD/LB Group tables (30 September 2016) (XLSX, 140 KB) NORD/LB Interim Report as at 30 June 2016 (PDF, 5 MB) NORD/LB Group tables (30 June 2016) (XLSX, 140 KB) NORD/LB Interim Report as at 30 September 2016 (PDF, 900 KB) NORD/LB Disclosure Report as at 30 June 2016 (PDF, 1 MB) NORD/LB Main Features of the Capital Instruments (30 June 2016) (XLSX, 337 KB) NORD/LB Group tables (31 March 2016) (XLSX, 138 KB) NORD/LB Interim Report as at 31 March 2016 (PDF, 5 MB) Publications of Bremer Landesbank Bremer Landesbank IFRS Consolidated Financial Statements and Group Management Report 2016 (PDF, 3 MB) Bremer Landesbank IFRS Interim Financial Report 2016 (PDF, 4 MB) Publications of Deutsche Hypothekenbank Deutsche Hypo Annual Report 2019 (PDF, 2 MB) Deutsche Hypo Interim Report as at 30 June 2016 (PDF, 301 KB) Portrait Read more Press Read more Legal notices Read more Sustainability Read more Capital market portal Read more Contact Thomas Breit Sustainability Hannover send an e-mail Team...

Advisory custody account If you like to make decisions: Our advisory custody account Our premium offer for the management of your securities portfolio if you would like to make the decisions. With the "best of strategy", we recommend our consulting expertise based on your risk-bearing capacity and return expectations in the asset classes of equities, bonds, classic and alternative investment funds. Your contact persons Diana Blank Private Investors | Freelance Professions Phone: Call Diana Blank +49 (0) 421 332-2990 Bremen send an e-mail Team Sven Brünjes Private Investors | Freelance Professions Phone: Call Sven Brünjes +49 (0) 421 332-2750 Bremen send an e-mail Team Mario Carstens Private Investors | Head | Bremen und Oldenburg Phone: Call Mario Carstens +49 (0) 421 332-2413 Bremen send an e-mail Team Anja Gause Private Investors | Bremen und Oldenburg Phone: Call Anja Gause +49 (0) 441 237-1340 Hannover send an e-mail Team Kerstin Pfannenschmidt Private Investors | Bremen und Oldenburg Phone: Call Kerstin Pfannenschmidt +49 (0) 441 237-1344 Oldenburg 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 Stefan Richter Private Investors | Hamburg Phone: Call Stefan Richter +49 (0) 40 3765-5132 Hamburg send an e-mail Team Alexander Walther Private Investors | Bremen und Oldenburg Phone: Call Alexander Walther +49 (0) 421 332-2683 Bremen send an e-mail Team Cornelia Warnke Private Investors | Bremen und Oldenburg Phone: Call Cornelia Warnke +49 (0) 421 332-2588 Bremen send an e-mail Team...

Locations and investments Europe Locations in Europe 40 Years NORD/LB in London We celebrate our location in London with customers and partners! Bytes to watts: See in our video how the financing of the energy transition works. To the video in our YouTube Channel...

Locations and investments North America Locations in North America...

Locations and investments Germany Locations in Germany...

Legal Notices §28 Covered Bond Act Publications in accordance with §28 Covered Bond Act You can find the german publications according to § 28 Covered Bond Act here: Veröffentlichungen gemäß § 28 Pfandbriefgesetz All reports since 2009 can also be found on the website of the Verband deutscher Pfandbriefbanken (vdp) e. V. – Association of German Pfandbrief Banks: Transparency reports of vdp members Publications 2026 Publication in accordance with §28 of the German Pfandbriefgesetz (30.06.2026) (PDF, 333 KB) Harmonised Transparency Template NORDLB Public Assets, 30 June 2026 (XLSX, 650 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 30 June 2026 (XLSX, 658 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 31 March 2026 (XLSX, 659 KB) Harmonised Transparency Template NORDLB Public Assets, 31 March 2026 (XLSX, 650 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.03.2026) (PDF, 292 KB) Publications 2025 Publication in accordance with §28 of the German Pfandbriefgesetz (31.12.2025) (PDF, 289 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 31 December 2025 (XLSX, 672 KB) Harmonised Transparency Template NORDLB Public Assets, 31 December 2025 (XLSX, 662 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.09.2025) (PDF, 294 KB) Harmonised Transparency Template NORDLB Public Assets, 30 September 2025 (XLSX, 663 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 30 September 2025 (XLSX, 669 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.06.2025) (PDF, 300 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 30 June 2025 (XLSX, 668 KB) Harmonised Transparency Template NORDLB Public Assets, 30 June 2025 (XLSX, 662 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.03.2025) (PDF, 301 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 31 March 2025 (XLSX, 673 KB) Harmonised Transparency Template NORDLB Public Assets, 31 March 2025 (XLSX, 662 KB) Publications 2024 Harmonised Transparency Template NORDLB Mortgage Assets, 31 December 2024 (XLSX, 715 KB) Harmonised Transparency Template NORDLB Public Assets, 31 December 2024 (XLSX, 707 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.12.2024) (PDF, 302 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.09.2024) (PDF, 306 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 30 September 2024 (XLSX, 639 KB) Harmonised Transparency Template NORDLB Public Assets, 30 September 2024 (XLSX, 658 KB) Publication in accordance with §28 Pfandbrief Act, 30 June 2024 (PDF, 306 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 30 June 2024 (XLSX, 406 KB) Harmonised Transparency Template NORDLB Public Assets, 30 June 2024 (XLSX, 711 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 31 March 2024 (XLSX, 713 KB) Harmonised Transparency Template NORDLB Public Assets, 31 March 2024 (XLSX, 711 KB) Publication in accordance with §28 Pfandbrief Act, 31 March 2024 (PDF, 302 KB) Publications 2023 Harmonised Transparency Template per 31.03.2023 (XLSX, 699 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.03.2023) (PDF, 214 KB) Harmonised Transparency Template per 30.06.2023 (XLSX, 693 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.06.2023) (PDF, 202 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.09.2023) (PDF, 306 KB) Harmonised Transparency Template per 30.09.2023 (XLSX, 692 KB) Harmonised Transparency Template NORDLB Mortgage Assets, 31. Dez 2023 (XLSX, 678 KB) Harmonised Transparency Template NORDLB Public Assets, 31. Dez 2023 (XLSX, 661 KB) Publication in accordance with §28 Pfandbrief Act, 31 Dec 2023 (PDF, 305 KB) Publications 2022 Publication in accordance with §28 of the German Pfandbriefgesetz (31.12.2022) (PDF, 347 KB) Harmonised Transparency Template per 31.12.2022 (XLSX, 696 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.9.2022) (PDF, 140 KB) Harmonised Transparency Template per 30.9.2022 (XLSX, 696 KB) Harmonised Transparency Template per 30.6.2022 (XLSX, 696 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.6.2022) (PDF, 631 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.3.2022) (PDF, 726 KB) Harmonised Transparency Template per 31.3.2022 (XLSX, 696 KB) Publications 2021 Publication in accordance with §28 of the German Pfandbriefgesetz (31.12.2021) (PDF, 631 KB) Harmonised Transparency Template per 31.12.2021 (XLSX, 415 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.09.2021) (PDF, 748 KB) Harmonised Transparency Template per 30.09.2021 (XLSX, 415 KB) Harmonised Transparency Template per 30.6.2021 (XLSX, 414 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (30.6.2021) (PDF, 724 KB) Publication in accordance with §28 of the German Pfandbriefgesetz (31.3.2021) (PDF, 724 KB) Harmonised Transparency Template per 31.3.2021 (XLSX, 414 KB) Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...

Financial Markets Institutional customers Institutional customers Trust, understanding, personality, competence – your NORD/LB Close dialogue, a good sense of your needs, personal contact and the development of suitable individual and success-oriented concepts: these are the pillars of our NORD/LB relationship management. We combine our strong customer focus with our capital market and corporate banking expertise. The in-depth industry knowledge of our qualified and experienced relationship managers, comprehensive product know-how and access to our specialists ensure you receive comprehensive and needs-based support. As a future-oriented and modern regional bank, we offer you solutions for all aspects of the financial management of your company and your customer business through a combination of classic financial services and innovative product ideas. The "public-sector customers" business area encompasses our owner states with all their affiliated institutions, such as universities and state companies, and other "institutional customers", such as social security institutions, regional churches, municipal and church pension funds, trade unions and associations. The "insurance“ business area reflects the Hannover insurance location with its life, health, property and accident insurance as well as foundations. Despite our regional roots, we are present on the broad European market. Contact Daniela Krüger Markets Relationship Management | Bund/Länder & Sparkassenlösungen Phone: Call Daniela Krüger +49 (0) 511 361-5665 Hannover send an e-mail Team Thomas Vetter Markets Relationship Management | Bund/Länder & Sparkassenlösungen Phone: Call Thomas Vetter +49 (0) 511 361-8941 Hannover send an e-mail Team...

Legal Notices Security mechanisms Security mechanisms of NORD/LB Security system of the savings bank financial group Savings banks are not primarily focused on maximising profits and therefore avoid excessive risks. Nevertheless, it can never be completely ruled out that a bank may run into financial difficulties. For this reason, the Savings Banks Finance Group has an Institutional Protection Scheme, which was recognised as a deposit guarantee scheme under Germany’s Deposit Guarantee Act (EinSiG) on 3 July 2015. The scheme is composed of 13 guarantee funds: the guarantee funds of the regional savings banks associations, the guarantee fund of the Landesbausparkassen, and the guarantee fund of the Landesbanken and giro centres. Since the establishment of the Institutional Protection Scheme in the 1970s, no member institution has ever defaulted. In the Savings Banks Finance Group, no customers have lost any their deposits or interest. Voluntary Institutional Protection Scheme and statutory deposit guarantee scheme In Germany, the Deposit Guarantee Act (EinSiG) entered into force on 3 July 2015. The Act implements the relevant EU Directive. The Savings Banks Finance Group has modified its proven Institutional Protection Scheme to meet the statutory requirements, and the scheme has been recognised as a deposit guarantee scheme under the Deposit Guarantee Act. 1. Voluntary Institutional Protection Scheme The key objective of the voluntary Institutional Protection Scheme is to protect the member institutions and to avert emerging or existing financial difficulties for these institutions. In this way, we avoid having to use the deposit guarantee scheme while fully protecting the business relationships with our customers. The protection afforded by the scheme covers customer claims relating to: savings deposits, savings certificates, time deposits, sight deposits, and bearer bonds. 2. Statutory deposit guarantee scheme The Institutional Protection Scheme of the Savings Banks Finance Group has been officially recognised as a deposit guarantee scheme under the Deposit Guarantee Act. Under the statutory deposit guarantee scheme, customers have the right to have up to € 100,000 of their deposits refunded, as stipulated in the Deposit Guarantee Act. For more information (in german language) Contact General NORD/LB Customer Service Hotline Phone: Call General NORD/LB Customer Service Hotline +49 (0) 511 3610 send an e-mail...

Legal Notices FATCA Foreign Account Tax Compliance Act (FATCA) In 2010 the USA passed the Foreign Account Tax Compliance Act (FATCA). FATCA came into force as a component of the “Hiring Incentives to Restore Employment Act” (HIRE Act). The aim of this HIRE Act is to create jobs in America and offer companies an incentive to employ job seekers. In order to be able offer such sweeteners to the companies, America conversely needs to ensure that it can finance them through taxes. This has brought potential tax evasion by companies operated overseas into sharper focus, and the US tax authorities have taken financial institutions around the world to task. Germany advocates the idea of combatting tax evasion, hence its willingness to implement FATCA at an early stage. However, in order to enable a statutorily-compliant implementation of FATCA in Germany, a bilateral agreement on FACTA was negotiated between the USA and Germany and published in May 2013. FATCA became a statutory requirement for companies based in Germany following the conclusion of the German-American treaty. The Global Intermediary Identification Number (GIIN) identifies financial institutions to the American tax authority (IRS). After a financial institution has been registered on the IRS website and vetted, a GIIN will be issued. The GIIN shows other financial institutions that the partner bank is FATCA-compliant. NORD/LB Group GIINs Unit GIIN TAX ID Lead FI NORD/LB EKLIT5.00000.LE.276 London Branch EKLIT5.00000.BR.826 Branch FI Singapore Branch EKLIT5.00000.BR.702 NY Branch (U.S. Person) - 13-3592426 NORD/LB Luxemburg S.A. Covered Bond Bank EKLIT5.00004.ME.442 Contact FATCA Customer Service send an e-mail...

Legal Notices IBOR Transition Important information from NORD/LB regarding the reform of the reference interest rates With the support of supervisory authorities and central banks, initiatives have been working for several years to reform the current reference for floating rates. The corresponding reform projects are taking place in a large number of different jurisdictions involving multiple currencies, including the euro area, the USA, the United Kingdom (UK), Switzerland, Canada, Japan, Hong Kong, Singapore and Australia. The aim here is to increase the reliability and robustness of the variable interest reference rates. According to the definition of the supervisory bodies, this can be achieved by transaction-based reference interest rates. There are local variable interest reference rates in the individual currency areas. In addition to EURIBOR (Euro Interbank Offered Rate), USD LIBOR (London Interbank Offered Rate) or GBP LIBOR are the most commonly known variable interest reference rates. Each of these reference rates is the basis for a variety of transactions, including interest payments on derivatives, loans and bonds. The ibor transition has now been fully completed at NORD/LB....

Legal Notices EMIR Notice with regard to the margining obligation for uncleared OTC derivatives. Based on EMIR (European Market Infrastructure Regulation) certain counterparties are obliged to exchange margins for all non-cleared OTC derivatives. Furthermore, EMIR allows the exemption of intragroup trades from the requirement to exchange margin. If such an exemption is applied for and afterwards granted by the local supervisory bodies, according to article 11, paragraph 14 EMIR as well as article 20 of the commissions delegated regulation (EU 149/2013) details on the exempted transactions must be published by the counterparty. The corresponding information can be found in the attached document. Downloads: Notice with regard to the margining obligation for uncleared OTC derivates Re: Uncleared Initial Margin Requirements – Documentation requirements Contact EMIR Regulation Hannover send an e-mail...