Accompanying
      you on a path of
          consistent success.

The bank that offers you a secure framework

As a midsize bank, we accompany our customers sustainably – both in their day-to-day business affairs and for their special financing needs. As one of the few “independent” banks in Germany, we can draw on a broad and deep wealth of experience, extending right back to 1863.

This gives us a strong and reliable foundation for fast, individual financial solutions. A further important element of our activity is trustful, highly personal collaboration. We believe that in the style practised by us this is now rare, if not even unique.

Service

Service for the Mittelstand

The “Mittelstand”, Germany’s flourishing SME sector, has its own specific needs. We at BKB Bank therefore work holistically and individually to foster your success – in all areas of financing. more


Acquisition Financing

Corporate takeovers financed with a high level of leverage are one of the core activities of our bank. Convince us of your concept. We will arrange the borrowed capital funding for you. more


Commercial Real Estate Financing

With the intelligent solutions offered by our bank, all commercial Real Estate Financing needs can be taken care of appropriately and successfully. Step by step. more

  • You are an SME business and expect to be offered financing solutions that are both individual and innovative?
  • You are planning growth – nationally or internationally?
  • You are dissatisfied with your current bankers and are looking for an alternative funding provider?
  • You wish to have a principal contact person at your bank, who is always at your side and has earned your trust by genuinely understanding your business?
  • You expect your bank to have a functioning, sustainable business model, making it reliable and predictable for you?

If these are the things you are looking for: With us, you have come to the right place.


BKB Bank - The banking partner for the Mittelstand since 1863

Our core competences lie in the individual, personal service we offer that is geared to achieving one principal goal: finding financing solutions that best meet your needs. We can advise you both on classical funding models for your enterprise as well as on more complex, highly individualized approaches, including syndicated financing, club deals or promissory note loans. We also have many years of expertise in working with China.


Our expertise, your benefits

  • With us, you have a bank with many years’ experience – since 1863.
  • We will support you competently, pragmatically and very personally in handling your entrepreneurial tasks.
  • You have a permanent principal contact partner for all financing issues who will enlist the support of product specialists when required.
  • Our comprehensive, sectoral know-how and high level of consulting expertise are at your disposal.
  • You have the benefit of our excellent reputation and our strong business background.
  • In us, you will find a dependable, dynamic and independent business bank and a strong partner for long-lasting, trusting cooperation.

Benefit from our transparent, efficient and effective processes for a speedy decision in response to your financing inquiries!


Here you can find an overview of our locations

  • You are a financial investor or family office and are planning to expand your investment portfolio?
  • Your business wishes to reposition itself strategically through the acquisition of another enterprise and needs a new financing structure in order to do so?
  • You're a manager looking to acquire a position as a shareholder in the context of a succession solution?

If any of these are the case: With us, you have come to the right people.


Acquisition Financing by the leading arranger on the German-speaking market

Our Acquisition Financing team will be delighted to assist you in realizing your goals. With financing solutions that are geared to the cash flow profile of the transaction and will so enable you to achieve your strategic goals. If need be, you can naturally also avail yourself of credit lines for your general working capital, investment or acquisition needs that will help underpin a forward-looking liquidity and growth planning approach.

For more than a decade now, we have consistently held a leading position on the German-speaking market as a special funding provider for corporate acquisitions. Our special focus lies in the arrangement and structuring of borrowed capital for the takeover of SME enterprises in Germany, Austria and Switzerland (also known collectively as the DACH region) through financial investors (leveraged buy-outs) and strategic investors (corporate-to-corporate transactions). The fundamental requirement for Acquisition Financing is the forecast of sustainable cash flow over the whole term of the financing. Special candidates are, therefore, enterprises with (i) a proven, stable, cash flow profile, (ii) a leading position on the relevant market, (iii) a diversified customer and supplier base, and (iv) a first-rate management team


Our expertise, your benefits

  • The comprehensive know-how of our experts and our substantial transaction experience in the field of Acquisition Financing are at your disposal.
  • We see ourselves as a long-term partner for you, and are willing to underpin this through correspondingly large, long-term capital commitments.
  • We offer you broad-based sectoral expertise, have a profound understanding of all kinds of business models and are fundamentally willing to provide financing for all sectors.
  • You are consistently looked after by designated contact persons, fostering the sense of mutual trust and forming the basis for long-lasting cooperation in a spirit of partner-ship.
  • You benefit from our excellent contacts to financial investors, intermediaries and other key financial service providers.
  • You have access to an extensive range of other important banking product solutions for your regular day-to-day treasury needs, e.g. in the field of interest and foreign currency management, payment transactions and document-based foreign transactions.

Make use of our transparent, effective and efficient processes for rapid and reliable indications and loan commitments that generate transaction security!

Selected transactions

 

YOUR CONTACT PERSON

Mr Frank Kiesewetter
Vice President

+49 (0) 69 . 75 61 93-13

Please contact

YOUR CONTACT PERSON

Mr Michael Brand
Vice President

+49 (0) 69 . 75 61 93-26

Please contact

YOUR CONTACT PERSON

Mr Michael Lichius
Vice President

+49 (0) 69 . 75 61 93-47

Please contact

YOUR CONTACT PERSON

Mr Norbert Loeken
Vice President

+49 (0) 69 . 75 61 93-24

Please contact

YOUR CONTACT PERSON

Mr Thorsten Dill
Vice President

+49 (0) 69 . 75 61 93-12

Please contact

YOUR CONTACT PERSON

Mrs Verena Jacobs
Vice President

+49 (0) 69 . 75 61 93-11

Please contact

  • You are a property or project developer and are planning a new project?
  • You are a property investor and are planning new investments?

In either case: With us, you have come to the right people.


BKB Bank - the competent partner for your commercial Real Estate Financing

Our bank has been established and operating on the German market in the field of commercial Real Estate Financing for many years. We count the real estate lending business as an individual business field and have specialized equally both in short-term interim funding for building and project developers and long-term investor financing. From our operating locations in Frankfurt, Munich and Düsseldorf, our team can serve you anywhere in Germany.


Our expertise, your benefits

  • We will accompany you individually and personally through all the financing steps. As a result, we have your project and your goals firmly in our sights at all times.
  • We will make the whole of our comprehensive sectoral know-how and wide-ranging transaction experience in the field of commercial Real Estate Financing available to you, ensuring that you find the optimum funding arrangement for your specific needs.
  • You can also rely on us in connection with major projects: Thanks to our long-standing contacts to other banks, we can organize consortiums on your behalf. Depending on the project, we will also act as the consortium leader or become a participating consortium member.
  • You can count on us as a strong banking partner with an excellent network of contacts to other market participants in Germany and parts of Western Europe.
  • We will also gladly offer our services to internationally operating market participants in Germany.

Make use of our transparent, effective and efficient processes for rapid and reliable indications which, together with our flat hierarchy and short decisionmaking channels, ensure maximum transaction security!

YOUR CONTACT PERSON

Mr Roland Dangel
Vice President

+49 (0) 211 . 130 75-23

Please contact

YOUR CONTACT PERSON

Mr Klaus Fischer
Vice President

+49 (0) 89 . 242 09 78-20

Please contact

YOUR CONTACT PERSON

Mr Julian Mühlfried
Vice president

+49 (0) 69 . 75 61 9332

Please contact

International Business

  • You are an exporter of consumer or capital goods and operate worldwide either through your own representations/subsidiaries or local trading partners?
  • Your business is strongly driven by foreign growth?
  • You are looking for a partner to support you in hedging against economic and political risks?

In any of these cases: With us, you have found the right people.

BKB Bank – An experienced partner in foreign business

Globalization and the intermeshing of markets is advancing all the time, both in Europe and worldwide. We at BKB Bank are therefore there to help you with all the experience available to us, and look forward to accompanying you as a partner in your international transactions. After all, we have been one of the leading foreign trade banks for the Mittelstand on the German market for many years. Our corporate customer business is therefore also closely interlinked with our foreign business. So take advantage of our capabilities!

Our expertise, your benefits

  • We see ourselves as a long term partner for you.
  • Our transparent, effective and efficient processes mean transaction security for you. For us, fast, clear lending decisions are a matter of course..
  • We offer you broad-based sectoral expertise and have a profound understanding for business models of all kinds.
  • You are consistently looked after by designated contact persons, fostering the sense of mutual trust and forming the basis for long-lasting cooperation in a spirit of partnership.

Our product know-how for you

Document-based transactions/Guarantees/Sureties
Anyone operating in International Business is also operating in an environment where political and cultural differences abound. We will gladly assist you in ensuring the best possible mode of payment for your transactions. And rest assured: You will be fully convinced by the international network of correspondent banks available to us on the most important markets of the world.

We can provide all the following services in the classical export trade business on your behalf:

Import and export L/Cs
We offer a complete range of services in the handling of import and export letters of credit, including security against documentary transaction risks through L/C confirmations or commitments to acquire or negotiate documents.On request, we can also supply experienced business partners to assist in drafting the wording on letters of credit.

Import and export payment transactions
Handling of the documents in the case of payment terms such as documents against acceptance or cash against documents are also among the tasks we can handle with our extensive know-how on your behalf.

International guarantees
We will be pleased to issue tender guarantees, advance payment guarantees and performance bonds in your customers’ favour.

Formulare Dokumentengeschäft / Garantien / Avale

Export financing
We are available as a reliable partner for you in connection with the provision of financing for foreign trading partners. The sooner you contact us about such matters, the better and more individually we can tailor the financing model to meet your needs.

Our competence centre for export financing at the head office in Bremen offers the following products:

Buyer credit
As a rule, we grant credits relating to deliveries primarily to foreign importers, but we additionally make them available to banks and financing companies.

Buyer credit with Euler-Hermes AG export credit insurance

  1. Conclusion of export contract
  2. Application to credit insurer for granting of export cover (exporter) and buyer credit cover (BKB Bank)
  3. Receipt of provisional cover note from credit insurer
  4. Conclusion of credit agreement between BKB Bank and borrower
  5. Application for and issue of final insurance commitment by credit insurer
  6. Remittance of down-payment agreed under export contract outside of credit agreement
  7. Delivery of goods/provision of services as per terms of the export contract
  8. Submission of delivery documents to BKB Bank
  9. Payment of value corresponding to documents direct to exporter, with sum charged to credit agreement
  10. Credit repayments made by borrower on agreed dates

 

Schematic diagram of buyer credit with Euler-Hermes AG export credit insurance cover


Your benefits:

  • You have no foreign risk and you avoid burdening your balance sheet.
  • You are paid on delivery of the goods/services (cash transaction).
  • You can offer your customer attractive payment terms with favourable financing costs and so enhance the added value of your offer.

Forfaiting – Our bank offers forfaiting, i.e. one of the classical export financing instruments, in two different variants:

  • Purchase of short, medium and long-term receivables
  • Purchase of secured and unsecured book receivables and bills receivable.

Your benefits:

  • You can allow your customer a period for payment while at the same time receiving liquidity immediately.
  • The economic and political risk is assumed by us.
  • Sale of the receivables relieves your balance sheet.

YOUR CONTACT PERSON

Mr Dirk Stamer
Senior Vice President

+49 (0) 421 . 36 84-422

Please contact

more

Syndication (structured financing)

  • You are a small or medium-sized enterprise and need individual financing solutions that precisely match your needs?
  • You are looking for a partner who understands the requirements of your enterprise and will work with you in developing made-to-measure solutions on this basis?
  • You want a sustainable, reliable partner with financing ideas that develop in line with your business?

If so: With us, you are with the right people.

Our expertise, your benefits

  • We at BKB Bank understand your business and strive for made-to-measure financing solutions on this basis.
  • We are an experienced partner with many years of market expertise and an excellent network of connections on the German-speaking Syndication and borrower’s note market.
  • We always hold a share in credit facilities that have been structured by us. We do this as it is important to us to be a close and competent partner for you, also in the long term.
  • We always advise you individually and personally. Alongside any product specialist that may be needed, your corporate customer adviser always remains your principal contact person.

Our product know-how for you

Structuring of syndicated financing
Syndicated financing arrangements are often a good way of covering your individual, differentiated financing needs. Whether for financing your working capital, investment/growth or guarantee facility needs- we will find the optimum solution for you and consolidate this in a syndicated loan.

Under the coordination of a structuring bank, your existing banks, and possibly also a number of new banks, are brought together to form a syndicate. We will assist you in ensuring that the syndicated loan is shaped exactly to your needs, and will remain your principal contact partner throughout the whole term of the loan.

Structuring of borrower’s note loans
Borrower’s note loans are a good method for the medium and long-term financing of certain projects or for core financing. They offer access to the investors and favourable conditions of the capital market without being subject to its strict rules. They therefore broaden your investor base and reduce the need for working capital loans.Talk to us about them. Thanks to our many years of expertise in the borrower’s note business, we are a highly experienced and outstanding partner in the issue of borrower’s note loans.


Participation in borrower’s note loans and syndicated loans

It goas without saying that our bank also regularly participates in borrower’s note loans that are marketed by others. In this way, we are involved as a funding partner in very many SME firms and have an optimum overview of trends and developments on the German borrower’s note market.

We will be pleased to assist you with detailed information and explanations on these products and look forward to supporting you in selecting the ideal financing solution for your requirements!

 

YOUR CONTACT PERSON

Mr Pieter W. Ruhaak
Senior Vice President

+49 (0) 69 . 75 61 93-25

Please contact

more

Treasury and Corporate Sales

  • Your company has loans, deposits and cash flows in foreign currencies, and you wish to actively manage these risks and opportunities?
  • Your balance sheet contains interest rate risks and you seek to minimize the risk of losses and increase the opportunities for earning with the aid of interest rate derivatives?
  • To take care of your liquidity needs, you require an appropriate investment product that offers a good return with limited risk?

If any of this is the case: With us, you are with the right people.

Our expertise, your benefits

  • Our treasury and corporate sales teams are there to assist you in all matters relating to interest rate, currency and liquidity management.
  • With the help of technical and fundamental analyses, we offer you tailor-made services and advice. To this end, we supply you with the latest price information and news relating to the interest and foreign exchange markets.
  • We have been active in interest and foreign exchange management on our customers’ behalf for over 25 years with our own dealing room at the Frankfurt Stock Exchange. Make sure to benefit from our years of experience and our excellent connections on the international interest and currency markets.
  • Our most important objective is to establish a long-standing, professional business relationship with you that is characterized by individual service.
  • We look carefully at all aspects of your corporate situation and generate individual solutions for proactively steering your interest and currency management.

Our product know-how at your service

Foreign currency management
Aside from classical hedging for your foreign currency risks, we can also offer you a wide variety of derivative products – specifically tailored to your needs. These include, for example, forward exchange contracts with or without maturity options, currency swaps and currency options such as participating forward or zero cost as leverage products with or without a trigger. Our strengths also include price hedging for non-convertible currencies in the shape of non-deliverable forwards (NDF).

The special benefit for you: With products specifically selected for your needs, you can take advantage of exchange rate opportunities in your foreign currency management while at the same time limiting the exchange rate risks.We will naturally also gladly observe limit orders on your behalf even outside of our trading hours and will carry them out reliably. As well as the classical way of concluding transactions by telephone, you can, if desired, also deal with us through the 360T multibank trading platform.

Interest rate risk management
We are able to offer you interest rate hedging products that allow you to benefit from the historically low level of interest rates but without having to abandon the security of an interest rate ceiling. These include e.g. interest rate swaps and interest rate options such as caps, collars and swaptions. You may also consider the use of an interest-currency swap as a means of taking advantage of the more favourable refinancing possibilities of the parent company in euros for raising a foreign currency loan by one of your subsidiaries abroad.While simultaneously hedging your interest rate position, you can realize significant interest rate advantages and optimize your returns and still maintain a balanced opportunity and risk profile.


Investment products
At a time of low interest rates, lucrative investments are the exception rather than the rule. However, take a look and convince yourself of our attractive offers in the way of call money and fixed-term deposit accounts in all currencies, as well as proprietary borrower’s note loans. Our investment products with their optimized risk-return ratios will help you succeed in both managing your liquidity and raising your profitability..

 

For corporate customers

YOUR CONTACT PERSON

Mr Sascha Massoth
Head of Corporate Sales

+49 (0) 69 . 75 61 93-72

Please contact

YOUR CONTACT PERSON

Mr Andreas Dömel
Senior Corporate Sales

+49 (0) 69 . 75 61 93-72

Please contact

YOUR CONTACT PERSON

Mr Stefan Prange
Senior Corporate Sales

+49 (0) 69 . 75 61 93-72

Please contact

YOUR CONTACT PERSON

Mr Andreas Weber
Senior Corporate Sales

+49 (0) 69 . 75 61 93-72

Please contact


For institutional customers

YOUR CONTACT PERSON

Mr Michael Altmann
Treasury

+49 (0) 69 . 75 61 93-54

Please contact

YOUR CONTACT PERSON

Mr Carl Baker
Senior Treasurer

+49 (0) 69 . 75 61 93-71

Please contact

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