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A bank that deserves your attention

A long-term business model. Expert advisers. Successful cooperation with small and medium-sized enterprises since 1863. The BKB Bank has a long and interesting history. Originally founded as a loan society, today we are a banking house of high renown, with strong expertise and a broad wealth of experience.

We have branches in all the key economic regions areas of Germany. Through these, we offer intensive service to our customers. Our personnel see themselves as partners of our customers and assist them in every way they can. With esteem. Commitment. And competence.

Management

The management team of the BKB Bank consists of two members:

Axel Bartsch, Director since 1995, CEO since 2006

Jens Rammenzweig, Director since 2015

Axel Bartsch, Director since 1995, CEO since 2006
As Vorstandsvorsitzender (CEO), Axel Bartsch is in charge of strategy and business policy at the BKB Bank. He also has principal responsibility for several departments, namely Markets (Corporate Customers, International Business, Corporate Sales, Treasury, Private Customers and Asset Management), Auditing, HR and Law, and Business Service. Thanks to his close ties to Belgium, Axel Bartsch is also Honorary Consul of the Kingdom of Belgium in the Federal State of Bremen.

Jens Rammenzweig, Director since 2015
Jens Rammenzweig is primarily responsible for the Back Office (Credit Analysis and Processing, Problem Credit Management), Risk Controlling and Finance, Organization/Data Processing, Trading and Payment Transactions Handling.

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Shareholders

Effective from 1 October 2014, the BKB Bank has new shareholders, who are affiliated with:

Teacher Retirement System of Texas | Apollo Global Management | Grovepoint Capital

The three investor groups are independent of each other and each has a shareholding of less than 40% and thus none of them has control.

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Dates, facts and figures

The BKB Bank can look back on successful years of business. An overview of our development can be taken from our business reports.

BKB Annual Report 2017BKB Annual Report 2016 | BKB Annual Report 2015 | BKB Annual Report 2014 | KBC Annual Report 2013

Deposit protection
The BKB Bank is a member of the Bundesverband deutscher Banken (Association of German Banks) and therefore also participates in the private deposit protection scheme. The deposit protection fund means that the credit balances of all of our customers are secured in full up to the deposit protection ceiling.

Corporate Governance
By Corporate Governance, we understand responsible management and control of our company, and we are committed to this without reservation. All our values and principles have the goal of ensuring that our enterprise is constantly aligned to the interests of our customers and that management decisions are taken with a view to long-term value creation. The principal means for achieving this are close cooperation between the management and the supervisory board, transparency in our corporate communication and protection of the interests of all stakeholders.

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Cultural engagement

For over 20 years now, the BKB Bank has been a sponsor of the Musikfest Bremen, a major annual festival of classical music. The repertoire ranges from major works of music in benchmark interpretations and revivals of forgotten works, to performances of prestigious stars and debuts of upcoming new talents of the future, as well as first performances and exclusive German premieres.

With this commitment, we seek not only to support our home town and outstanding art-ists of all kinds. We also take pleasure ourselves, together with our customers, in the magnificent music from so many different centuries, genres and continents.

www.musikfest-bremen.de

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History

Our bank was originally founded in 1863 as a loan society; from 1945, it continued operations as a joint stock corporation under the name Bankverein Bremen AG. Following acquisition of the share majority by a Belgian bank, Kredietbank NV, in1982, the name was changed in 1990 to Kredietbank-Bankverein AG. Before then, branches had already been opened in Frankfurt (1986) and Düsseldorf (1988). These were joined in 1990 by a further branch in Berlin, followed in 1995 by one in Hamburg.

As a result of the merger of Kredietbank with CERA-Bank and ABB-Versicherungen, an insurance company, in 1998, the bank was renamed KBC Bank Deutschland AG in 1999. Additionally, a new branch was opened in Munich in the same year, followed by Stuttgart (2004) and Hanover (2008).

2013 – the year of our 150th anniversary – saw the signing of the sale of the bank to our new owners. With the approval of the supervisory authorities, the actual transfer took place on 1 October 2014. Since that date, the bank has operated under the name Bremer Kreditbank AG (BKB Bank).

 

Our history in brief

2014: Since 1 October 2014, the bank has been renamed Bremer Kreditbank AG (BKB) and is owned by three new investors or investor groups: Teacher Retirement System of Texas, Apollo Global Management and Apollo Commercial Real Estate Finance, und Grovepoint.

1999: To indicate the link to the powerful Belgian parent company, Kredietbank-Bankverein AG is renamed KBC Bank Deutschland AG with effect as from 1 July 1999.

1998: The merger of Kredietbank of Belgium, the CERA-Bank and ABB-Versicherungen of Belgium results in the creation of KBC-Allfinanzholding – a global player with a workforce at the time of over 20,000 people.

1990: Through a company agreement, Bankverein Bremen AG is renamed Kredietbank-Bankverein AG.

1982:
Acquisition of a majority shareholding in Bankverein Bremen AG by Kredietbank N.V., Brussels.

1977: Inauguration and move into the new bank building - described as “modern and contemporary” - on Wachtstrasse - between the River Weser and the Cathedral.

1964: Bankverein Bremen AG and Norddeutsche Kreditbank AG agree a form of internal cooperation, resulting three years later in the taking of cross-shareholdings.

1958: A rare occasion: Hermann Pöpper joined the bank as an apprentice on 1 October 1908. After working for the bank without interruption for 50 years, he now celebrates the anniversary as a member of the management board.

1956: The share capital is increased to DM 1,000,000.

1952: Following introduction of the new currency, the “Deutsche Mark”, the registered capital is converted at a rate of 5 : 1.

1945: Merger of Bankverein für Nordwestdeutschland AG and Bremer Kreditbank AG, which has also lost some of its buildings, under the name Bankverein Bremen AG.

1944:
Destruction of large parts of the bank’s building on Langenstrasse through air raids. Business continues, but in difficult conditions.

1924: When the period of inflation ends, the registered capital is converted to the new national currency, the “Reichsmark”, at a rate of 80:1.

1921: Takover of the Bremer Bank-Verein in Bremerhaven. This results in further branches in Bremerhaven und Geestemünde.

1921: After 24 years operating as the “Bank für Handel und Gewerbe AG”, it is resolved to change the name to Bankverein für Nordwestdeutschland AG so as to avoid confusion in future with the Berliner Bank für Handel und Industrie AG.

1920: A further branch is created through takeover of the Spar- und Leihbank GmbH in Thedinghausen by the Bank für Handel und Gewerbe.

1900: Enlargement of the bank building and installation of a modern safe so as to offer customers the possibility to deposit valuables.

1897: The name of Bremer Gewerbebank AG is changed to Bank für Handel und Ge-werbe AG so as to distinguish it more clearly by name from the cooperative bank which has collapsed.

1880: A resolution is adopted to change the legal form of the Bremer Gewerbebank E.G. and rename it Bremer Gewerbebank AG as from the turn of the year 1880.

1872: Nothing being more constant than change, with effect from 1 January 1872, the Bremer Vorschussverein is renamed Bremer Gewerbebank Eingetragene Genossenschaft.

1869: The Vorschussverein (loan society), now with over 350 members, is renamed Bremer Vorschussverein Eingetragene Genossenschaft. On 3 March 1869, an application is made for it to be registered in the register of cooperative societies kept by Bremen Commercial Court. The object of the enterprise is the operation of a banking business for the procurement of the financial means required in trade and business on joint credit.

1863: The Bremen Trade and Industrial Association commissions six local businessmen, including Senator Dr. Albert Gröning, to form a loan society based on the principles put forward by Hermann Schulze-Delitzsch.The Vorschussverein (loan society) is founded on 18 November 1863, and already has 98 members

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Career

Our bank is an important partner for small and medium-sized Corporate Customers in Germany and a specialist in serving the needs of Private Customers in connection with financial and asset investment activities. Our striving is for long-term business relation-ships, and it is our aspiration to be consistently reliable and personal. We currently have around 190 employees, who always look forward to welcoming new, committed colleagues, and would be delighted for you to join them in their teams in Bremen (head office), Hamburg, Hanover, Berlin, Düsseldorf, Frankfurt, Stuttgart and Munich.

See whether there is anything to attract you among our situations vacant – or submit your unsolicited application either by email or post to the address shown below.

We look forward to receiving your informative application and documents!

Bremer Kreditbank AG
Personalabteilung
Wachtstr. 16
28195 Bremen
personal@bkb-bank.com

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Compliance

Compliance means acting in conformity with all the relevant legal provisions and meeting all the regulatory standards. It also includes the ethical values and norms defined by the bank itself. In the banking sector, the issues and activities involved in combating money laundering, the prevention of other criminal acts and the funding of terrorism, conformity with the provisions of the German Securities Trading Act and observance of the data protection requirements, all fall under compliance, and responsibility for this area lies directly with the management board. More detailed information can be found under the points below.

Prevention of fraud

What for many years used to be simply referred to in Germany as “prevention of fraud”, is now subsumed under the general heading of prevention of “other punishable offences”. As a bank, we are expected to act as an extension of the police and adopt effective measures to combat all manner of criminal offences, e.g. forgery of documents, tax eva-sion, corruption, credit card crime or simple theft. This is a Herculean task.

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Compliance with the German Securities Trading Act (WpHG)

On the strength of the German Securities Trading Act (WpHG), Germany’s Federal Financial Services Regulatory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) - abbreviated BaFin - has laid down minimum requirements for compliance (“MaComp”) and, in combination with other regulations and directives, drawn up generally binding compliance standards that must be observed by the banks in Germany. The principal rules relate to safeguarding the customers’ interests, avoiding conflicts of interest between the customer, bank and personnel, and ensuring continuous and timely monitoring of compliance with all relevant laws and regulations.

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Embargos & sanctions

At the very latest since the attacks of 11 September 2001 in the USA, terrorism has gained a prominent place in the awareness and thinking of the Western world. Since that time, many embargos and sanctions have been imposed or intensified as a preventive measure against terrorism. The banks have an important role to play in combating terrorism because in their function as financial intermediaries they have access to crucial data already at the source of payment flows. Read more about embargos and sanctions here:

OFAC-Link zum Sanctions List Search

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Data protection

The statutory regulations and requirements in relation to data protection play a prominent role at our bank. Especially in light of the current eavesdropping affairs involving the NSA and the spies who have been uncovered, it is our aim to make also personal data as secure as possible.

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Money laundering

The aim of money laundering is to render assets that have been acquired through criminal activity (including - increasingly - through tax offences) unidentifiable for the law enforcement authorities and channel them into legitimate business circulation. Businesses, traders and even private people can also be used for money laundering activities in the conversion of cash into book money. You should therefore protect yourself accordingly. To find out more, read here:

AML-Questionnaire
US Patriot Act Certification
Answered „Know Your Customer Due Diligence Questionnaire“

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FATCA

FATCA stands for “Foreign Account Tax Compliance Act”. This acronym designates part of a US tax law for combating tax evasion by individuals or legal entities who are liable for tax in America and have accounts in other countries. The purpose of FATCA is to prevent cash transfers by US taxpayers to tax havens abroad and to trace assets which are already deposited there.

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BKB Bank Code of Conduct

Our Code of Conduct is a set of guidelines which we have imposed upon ourselves and to which we have committed ourselves voluntarily. It reflects how our bank sees itself and its role and provides a general orientation framework for all employees.

Code of Conduct

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