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Legal Notices Flat rate withholding tax Information on forward exchange transactions On 1 January 2009 the flat rate withholding tax was introduced, which imposes income from capital investments (esp. interest, dividends and capital gains as well as certain forward transactions) with a standardised, general tax of 25%. Here you will find further information on this topic. www.nordlb.de (in German only) In case you have any questions on this topic please contact your responsible NORD/LB contact person. 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 MiFIR NORD/LB as Designated Publishing Entity In the following document you will find information about the NORD/LB as a designated publishing entity (DPE): NORD/LB as Designated Publishing Entity Contact If you have any queries, please contact your responsible customer advisor....

Corporate Lease Corporate leasing financing Investments in new machines and modern technologies continue to determine the success of our companies. Business premises owned by a company ensure independence, and the buyer-oriented financing of sales of goods is a competitive advantage and the key to customer loyalty. Especially in an economic environment in which the increasing connectivity of data flows (IoD) as well as a transition from traditional purchase and ownership decisions to use-based transfer models of products and services takes place (pay-per-use). This change in consumer behaviour of end customers (B2B/B2C), which is noticeable across all industries and social sectors, creates enormous challenges for traditional business, financing and liquidity models of medium-sized companies, and creates financing functions and needs for which we can offer competitive and needs-based solutions. Among other things, we offer our corporate customers: Development of needs-based financing concepts, Flexible financing solutions along the entire value chain, Many years of structuring expertise, Optimisation of maturity, liquidity and refinancing structures, A network of efficient external cooperation partners, Arrangement and management of financing syndicates. A few advantages of our financing solutions at a glance: Off-balance sheet transaction structures (HGB [German Commercial Code]), Optimisation of balance sheet ratios, Release of tied-up capital and increase of liquidity, Enhancing internal financing margins, Flexible financing solutions for diverse financing needs (including sales financing, asset/share deals, financing of new and existing movable and/or immovable fixed assets), Customising the opportunity/risk profile (including access to the strategic asset), Optimisation of the (re)-financing basis by involving public funds as well as existing and new strategic banking partners. Your contacts Nina Siegfried Structured Solutions & Products | Head, Structured Corporate Finance Phone: Call Nina Siegfried +49 (0) 511 361-2324 Hannover send an e-mail Team Jananth Balaganesan Structured Solutions & Products | Structured Corporate Finance, Corporate Lease Mobile: Call Jananth Balaganesan +49 (0) 1578 5165 295 Hannover send an e-mail Team Sophia Oldenburg Structured Solutions & Products | Acquisition financing, Structured Corporate Finance, Corporate Lease Phone: Call Sophia Oldenburg +49 (0) 511 361-6079 Hannover send an e-mail Team Marc Pietsch Structured Solutions & Products | Structured Corporate Finance, Corporate Lease Mobile: Call Marc Pietsch +49 (0) 1578 5165 248 Hannover send an e-mail Team...

Trade Finance Trade Finance Keep risks under control and seize the opportunities of international markets! As an international company, you need to consider a number of challenges when doing business with your foreign business partners punctual, contractually compliant deliveries across borders, political and economic circumstances in the relevant country foreign cultural environments and practices around commitments. We work with you to select the perfect payment instrument to reduce your risks from international payments and assist you in optimising and tracking individual processing steps and payments. What we offer: Letters of credit: With a letter of credit, the importer's bank (the issuing bank) assumes an abstract payment commitment to the exporter for the importer's invoice, provided all conditions in the letter of credit are met. Documentary collection: The banks only successively hand over to the importer the documents for the goods against payment or the acceptance of bills of exchange. As a result, the importer generally only receives ownership of the goods upon payment and the exporter only receives the value of the goods upon proper delivery. Aval: We are happy to take over a surety or guarantee for you and thus ensure that your business partner will pay the sum stated therein if you are unable to fulfil a service or a certain event (does not) occur. Conversely, you can also use a surety or guarantee from your business partner's bank to protect yourself against non-fulfilment of a contractual obligation. Your added value: Customer proximity: A team of settlement specialists works closely with the trade finance advisors. We are based in Germany, so you can get in touch with German contacts if you have any questions. Speed: When we receive your enquiry or request, we can implement it within a short period of time and, for example, open the letter of credit in order to send it to your business partner's bank abroad. Flexibility: Do you have a special requirement for documentary business? Let us know – we will work with you to find the best solution. Your contact Dirk Zynda Structured Solutions & Products | Head, Cash Management & Trade Finance Phone: Call Dirk Zynda +49 (0) 511 361-3556 Mobile: Call Dirk Zynda +49 (0) 1578 5166 139 Hannover send an e-mail Team...

Portrait Diversity Diversity and Equal Opportunities at NORD/LB Our society is diverse – and this also applies to the world we work in. Since 2013 NORD/LB has been signing the "Diversity Charter - Companies in Germany" initiative. This Charter is Germany’s largest employer-led initiative promoting diversity and inclusion in the workplace, aiming to create a respectful, prejudice-free environment where all talents are valued regardless of age, gender, nationality, abilities, religion, sexual orientation, or social background. For more than a decade, we have been expressly committed to diversity and equal opportunities in a non-discriminatory working environment. Additionally, we have signed the UN Principles for Responsible Banking back in 2020 to make the impact of our business on sustainable aspects transparent and measurable. In the 17 Sustainable Development Goals of the United Nations, the diversity dimensions are represented several times and are of great importance to us. We take a holistic approach that encompasses both our business relationships and value chains as well as the design of an inclusive work environment. It is important to us that all employees feel valued, accepted and supported. NORD/LB Diversity Policy To read NORD/LB Diversity Policy... Read more Community of Diversity At NORD/LB, the activities, enquiries and diversity networks are coordinated by the Community of Diversity . The community's work spans different dimensions: religion and faith, gender, age diversity, sexual identity, ethnic and social origin as well as physical and mental abilities. We offer workshops on different topics such as equal opportunities, health and unconscious bias. Moreover, we raise awareness towards different topics of Diversity on specific days, such as the German Diversity Day, the International Weeks against Racism or Orange Day. More than 10 per cent of our employees are already part of the community, dimension teams and networks. Within the Community of Diversity, the largest groups are BUNT/LB, the bank's queer network and the women's network of NORD/LB ( women@work ). Networking NORD/LB ist PROUT EMPLOYER 2025 Get more insights PDF Read more Close details Download Read more Get more information Sustainability Read more NORD/LB Portrait Read more Press Read more Contact Viola Rave Diversity Phone: Call Viola Rave +49 (0) 511 361-4056 send an e-mail...

Corporate Customers Food Industries We offer financing solutions according to your taste. Partnership cooperation: our success concept arises from diversity. Individuality and creativity are our essential ingredients. For your optimal financing structure, we develop innovative solutions together with you and above all adapted to your business model. You benefit from our specific industry know-how and our many years of experience in the nutritional economy. We provide you with capable and reliable support along the entire value chain – from the trade in agricultural produce right up to the supermarket shelf. Financing your trade flows, active working capital management with the help of innovative supply chain finance products as well as our cash management experience are just some examples of our expertise. We would be happy to develop tailored solutions for your company. Corporate Sales Changes in the financial markets constantly create risks and opportunities. Responding flexible to changes not only limits commercial risks, but rather takes advantage of current market movements. Our balanced opportunity-risk analysis is the basis to create suitable risk strategies and develop tailor-made solutions that fit your needs. Read more Our services for you Cash Management Let's talk about it. We would be happy to develop the right solution for you. Read more Currency and liquidity management Hedge currency fluctuations - preserve capital - increase performance Read more Interest-rate management Limit interest charge - increase flexibility Read more Public Funding We develop optimised refinancing solutions for our clients for all topics! Read more Syndicated Loans Take advantage of our experience with syndicated loans and benefit from various advantages! Read more Trade Finance In international trade relations, letters of credit are used to secure payment flows! Read more Working Capital Management Together with you, we develop modern supply chain finance solutions! Read more Contact Sönke Refardt Corporate Customers | Head of Food Industries Phone: Call Sönke Refardt +49 (0) 511 361-2486 Hannover send an e-mail Team...

Working Capital Management Working Capital Management Growth and success are stated objectives of your company. Macroeconomic fluctuations, volatile exchange rates and changes in the price of commodities have always influenced your company's cost and risk profile. In addition, you are increasingly confronted with the ever greater globalisation of your supply chain and the need to deal with the introduction of technical, digital solutions. Professional supply chain management ("SCM") provides an answer to these challenges. Along with optimising logistics processes, the financial aspects of all actors in the supply chain also play a central role. With NORD/LB's innovative supply chain finance solutions, the idea of a consistent value chain is also at the heart of financing issues. Join us in opening up alternative sources of financing to optimise the cash flows along your supply chain and thus achieve competitive advantages over competitors. Increase your financing power from within in a targeted way and focus not only on your own strengths, but also those of your suppliers and customers in order to increase your own competitiveness. Optimise your working capital, e.g. through our receivables purchase or reverse factoring programmes, and release tied-up capital to make the most of your company's financial leeway. In addition, improve your balance sheet structure with a positive impact on important company key figures, and thus on your rating and the associated financing costs. We offer you: Receivables purchases (individual receivables and/or portfolios) Supplier financing/Reverse factoring Platform-based supply chain finance programmes/dynamic discounting Borrowing base financing Individually structured purchasing and sales financing Your benefits at a glance: Release of liquidity tied up in working capital and the supply chain Optimisation of your balance sheet structure Reduction in your financing costs Strengthening of your strategically important suppliers Optimisation of financial flows along the entire supply chain Enhancement of internal financing margins Increase your business value and profitability Your contact Eva Richau Structured Solutions & Products | Head, Supply Chain Finance Mobile: Call Eva Richau +49 (0) 1578 5165 381 Hannover send an e-mail Team Jürgen Timm Structured Solutions & Products | Head, Supply Chain Finance Phone: Call Jürgen Timm +49 (0) 511 361-5021 Hannover send an e-mail Team...

Transition to T+1 Settlement Confirmations Confirmations What deadlines apply? In a T+1 environment, confirmations should be transmitted as soon as possible after trade execution in an electronic, standardized, and machine-readable format. The information required for confirmation should generally be exchanged no later than 11:00 p.m. on the trade date (T) to allow sufficient time for the subsequent matching, confirmation, and settlement processes ahead of settlement on the following business day (T+1). Effective 3 October 2026, the inclusion of the PSET (Place of Settlement) in Trade Confirmations will be mandatory. The PSET identifies the settlement location designated for the settlement of the transaction. Example: DAKVDEFFXXX (Clearstream Banking Frankfurt) This information is required to route the transaction to the correct settlement location and to ensure smooth straight-through processing. We therefore kindly request that you adapt your systems and processes accordingly. Trade Confirmations that do not contain a valid PSET code cannot be processed electronically. What solutions does NORD/LB offer? DTCC CTM (Central Trade Manager) Für Confirmations zu Allokationsgeschäften sieht die NORD/LB künftig die Nutzung von DTCC CTM (Central Trade Manager) als zentralen Kommunikationskanal für den elektronischen Austausch. SWIFT ISO 15022 (MT515) For trades without allocation, or where DTCC CTM (Central Trade Manager) is not available, confirmations may be submitted to NORD/LB via the SWIFT message type MT515. Note: NORD/LB is also evaluating the introduction of confirmation exchange via ISO 20022 MX setr.027 during the first quarter of 2027. Your contact T+1 Project send an e-mail...

Syndicated Loans Syndicated Loans You would like to secure the success and growth of your business with a plannable and reliable financing base? A syndicated loan allows you, under the lead of a bank (the mandated lead arranger) to secure the liquidity of your business for many years. You may need finance for an impending investment, the acquisition of a company, the restructuring of your liabilities or possibly extend your group of banks. As the lead bank, we coordinate the entire process. We provide the liquidity required for your business for the desired term and integrate types of finance tailored to meet your specific needs. With a single set of documentation, we reduce the complexity of financing and the administrative burden for your business. Our product specialists will provide you with a financing package that is tailored to your individual needs and allows you to achieve your plans and objectives. Your benefits: Ability to finance large sums that are greater than the sums that can be raised by a single bank Saving of time for the borrower as you only have to communicate with the lead bank High degree of flexibility in the financing structure (e.g. regarding amount, utilisation and repayment) Planning reliability in relation to volumes, conditions and term Widening of the investor base (if desired) National / international publicity (if desired) Your contacts Nina Siegfried Structured Solutions & Products | Head, Structured Corporate Finance Phone: Call Nina Siegfried +49 (0) 511 361-2324 Hannover send an e-mail Team Jananth Balaganesan Structured Solutions & Products | Structured Corporate Finance, Corporate Lease Mobile: Call Jananth Balaganesan +49 (0) 1578 5165 295 Hannover send an e-mail Team Sebastian Dahlhaus Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Mobile: Call Sebastian Dahlhaus +49 (0) 173 1911 745 Hannover send an e-mail Team Julius Dieckmann Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Mobile: Call Julius Dieckmann +49 (0) 176 1529 0655 Hannover send an e-mail Team Michael Pfaff Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Mobile: Call Michael Pfaff +49 (0) 162 7568 900 Hannover send an e-mail Team Jakob Rose Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Phone: Call Jakob Rose +49 (0) 511 361-5749 Mobile: Call Jakob Rose +49 (0) 1520 4620 973 Hannover send an e-mail Team Manon Thomas Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Phone: Call Manon Thomas +49 (0) 511 361-4875 Hannover send an e-mail Team Annika Winkelmann Structured Solutions & Products | Structured Corporate Finance, Syndicated loan Phone: Call Annika Winkelmann +49 (0) 511 361-6575 Hannover send an e-mail Team...

Promissory notes Schuldschein loans / Registered bonds "Digital. Efficient. Flexible." - This is NORD/LB's approach to capital market-oriented financing structures via Schuldschein loans or registered bonds. Structuring and placement are carried out by finpair - a subsidiary of NORD/LB - as an innovative provider of digital debt instruments. finpair is the only platform provider where users benefit from a digital product solution with personal product and structuring expertise from a single source. Here, finpair covers all phases of the process from structuring and marketing to repayment. It offers service and value-added services at all stages. Thanks to its digitally supported approach and the broad investor universe, finpair is the ideal partner for both broad placements of debt instruments and private placements. Issuers benefit from the transparency, efficiency, and cost reduction of the platform technology. Added value Flexibility in product modeling Digital platform solution with unique placement universe Proximity to the capital market even for companies without an external ratingg No obligation for publicity Relief for existing credit lines and extension of financing terms Diversification/broadening of the lender base Crisis-resistant market Attractive cost structure Your contact Christian Müller Corporate Customers | finpair GmbH Mobile: Call Christian Müller +49 (0) 173 3743 365 Hannover send an e-mail Team Tobias Müssig Corporate Customers | finpair GmbH Mobile: Call Tobias Müssig +49 (0) 173 2430 140 Hannover send an e-mail Team Christopher Wilkening Corporate Customers | finpair GmbH Mobile: Call Christopher Wilkening +49 (0) 173 2043 286 Hannover send an e-mail Team...

Corporate Customers Energy Industries Quick, reliable and capable – putting our energy into your solutions With the Energy sectoral cluster, we focus our activities on this fast-growing, drastically changing core segment of the German economy. Thanks to our specialist expertise we understand the balancing act between economic necessities and municipal interests, we are aware of both the regulatory requirements and your future topics, and we consistently align our range of services with the needs of the energy sector. In our view, providing such a professional consultancy service is the key to generating extra value added in a long-term core bank relationship. With our sectoral expertise, our understanding of your business model and our close relationship with you, we can devise innovative and pragmatic solutions for the optimisation of your short-term liquidity management and your long-term investment needs. We see ourselves as your partner not just for energy-related matters, but also for topics related to public services. For us, speed is the key to transparency and reliability in our relationship. Our services for you Public Funding We develop optimised refinancing solutions for our clients for all topics! Read more Contact Tim Junghans Corporate Customers | Haed of Energy Industries Phone: Call Tim Junghans +49 (0) 441 237-1685 Oldenburg send an e-mail Team...

Project finance Project finance Project financing refers to the structured financing of a project that is realised economically and usually also legally by an independent project company. We offer project financing mainly in the following segments: Renewable energies Infrastructure Real estate We also advise you in agricultural banking on the management of your operational planning and investments. Your personal agricultural customer advisor is available on site to provide you with valuable decision-making support in all agricultural financing matters. Get more information: Structured Finance Read more Commercial Real Estate (Deutsche Hypo) Read more Sydications & Investment Solutions Read more Agrar-Banking Read more...

Transition to T+1 Settlement T+1 at a Glance T+1 at a Glance What does T+1 mean? T+1 stands for "Trade Date plus 1 Business Day". This means that securities transactions will be settled one business day after the trade date in the future. For the European capital market, this represents a reduction of the current standard settlement cycle from T+2 to T+1. As a result, the timeframe for all post-trade processes is shortened, particularly for allocations, confirmations, the transmission of settlement instructions, and the provision of the required cash liquidity. Why is the transition taking place? The introduction of T+1 aims to further increase the efficiency and resilience of securities markets. By shortening the period between trade execution and settlement, risks are reduced and capital becomes available more quickly. At the same time, the transition promotes the standardization and automation of market processes as well as the international harmonization of capital markets. In addition, the early adoption of standardized electronic allocation and confirmation processes is intended to establish the prerequisites for a successful implementation of T+1. Which markets and transactions are affected? European securities markets are currently preparing for the introduction of the shortened T+1 settlement cycle. In the future, securities transactions in the European Union, the United Kingdom, and Switzerland will be settled one business day after the trade date (T+1) instead of the current two business days (T+2). The requirements for allocations and confirmations apply both to exchange-traded transactions in equities, bonds, and fund units covered by the T+1 settlement cycle, as well as to OTC securities transactions, repo transactions, and securities lending transactions. The affected market participants are those classified as Professional Clients or Eligible Counterparties under MiFID II. Your contact T+1 Project send an e-mail...

Interest Interest Interest rates are in constant motion. Rising interest rates have a negative impact on your financing costs. By regularly analysing your risk positions, we develop targeted hedging solutions and jointly derive value-oriented risk management. Scope of Service We generate a reliable calculation basis in order to enable long-term economic success for our clients We review the financing of our clients to minimize interest rate risks and limit future interest rate payments We develop a strategic interest m anagement for our clients by simulating different market scenarios We design tailor-made strategies for complex issues by incorporating classical fixed income products as well as individual structured solutions We prepare detailed analyses and prognoses on selected key topics Benefit from Our Client Proposal You separate your liquidity and interest rate management You use flexible hedging solutions with tailored opportunity-risk profiles You can optimise your interest payments by using optional components You build a competitive advantage by participating in future interest rate trends You benefit from stabilizing of your cash flows Product Portfolio Basic Instruments : Interest Rate Swaps Cross Currency Swaps Options Innovative P roducts Swaps with Participation Swaps with Market Value Insurance Knock-In Swaps Your contacts Sebastian Heddergott Corporate Sales | Head Phone: Call Sebastian Heddergott +49 (0) 511 361-2991 Hannover send an e-mail Team Sabrina Aschenbach Corporate Sales | Deputy line | Interest rate, FX and liquidity management Phone: Call Sabrina Aschenbach +49 (0) 511 361-8435 Hannover send an e-mail Team...