The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
The Pfandbrief 2011 | 2012
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
Kreissparkasse Köln – with a business volume of € 24.9 billion and a balance sheet total of € 24.5 billion –<br />
is Germany’s third largest savings bank. Due to its strategic location with a wide catchment area, Kreissparkasse<br />
Köln covers an aggregate territory of 3,650 square kilometres with 42 cities and municipalities<br />
in its four counties Rhein-Erft-Kreis, Rheinisch-Bergischer Kreis, Oberbergischer Kreis and Rhein-Sieg-<br />
Kreis. As a regional market-leader, Kreissparkasse Köln supplies the people, trade and industry as well as<br />
the counties, the cities and municipalities with the whole scope of financial products and services in its<br />
aggregate territory. Kreissparkasse Köln’s broad customer base consists of retail clients, private wealth<br />
management, small and medium-sized businesses as well as the public sector. Financing of real estate<br />
and local authority loans rank among the core business segments of the Kreissparkasse Köln.<br />
Kreissparkasse Köln began issuing <strong>Pfandbrief</strong>e at November 2003. Since October 18, 2005, Kreissparkasse<br />
Köln is a holder of a <strong>Pfandbrief</strong> licence under the new <strong>Pfandbrief</strong> Act.<br />
Rating: Mortgage Short-term Long-term Financial<br />
<strong>Pfandbrief</strong>e liabilities liabilities strength<br />
Moody‘s Aaa P–1 Aa2 C<br />
Selected key figures<br />
2010<br />
€ million<br />
2009<br />
€ million<br />
Total assets<br />
24,483<br />
24,042<br />
Mortgage loan portfolio<br />
6,939<br />
6,530<br />
Residential loans<br />
5,776<br />
5,526<br />
Commercial loans<br />
1,163<br />
1,004<br />
124<br />
of which cross-border<br />
Mortgage loan commitments<br />
0<br />
1,138<br />
0<br />
1,015<br />
Residential loans<br />
864<br />
735<br />
Commercial loans<br />
274<br />
280<br />
of which cross-border<br />
0<br />
0<br />
Public-sector loan portfolio<br />
2,477<br />
2,367<br />
of which cross-border<br />
0<br />
0<br />
Public-sector loan commitments<br />
347<br />
339<br />
of which cross-border<br />
0<br />
0<br />
Total funds outstanding (registered and bearer bonds)<br />
2,734<br />
2,448<br />
Mortgage <strong>Pfandbrief</strong>e<br />
1,382<br />
847<br />
Public <strong>Pfandbrief</strong>e<br />
239<br />
168<br />
Unsecured bonds<br />
651<br />
948<br />
Promissory notes<br />
462<br />
485<br />
Jumbo issues outstanding<br />
0<br />
0<br />
Refinancing funds raised<br />
741<br />
829<br />
Mortgage <strong>Pfandbrief</strong>e<br />
544<br />
587<br />
Public <strong>Pfandbrief</strong>e<br />
81<br />
40<br />
Unsecured bonds<br />
92<br />
146<br />
Promissory notes<br />
24<br />
56<br />
Own funds as shown in the balance sheet – total –<br />
1,650<br />
1,734<br />
Core capital (without net income)<br />
1,285<br />
1,263<br />
Profit-sharing capital<br />
53<br />
55<br />
Subordinated liabilities<br />
312<br />
416<br />
Net interest income<br />
467<br />
420<br />
Administrative expenditure<br />
385<br />
383<br />
Operating result before provisions for risks<br />
236<br />
192<br />
Provisions for risks<br />
174<br />
158<br />
Operating result after provisions for risks<br />
62<br />
34<br />
Income for the year<br />
33<br />
16<br />
Presence in electronic media: Reuters: KSKKOELN03<br />
Treasury:<br />
Thorsten Hildebrand Tel.: +49 221 227-2081 thorsten.hildebrand@ksk-koeln.de<br />
Matthias Bourgart Tel.: +49 221 227-2913 matthias.bourgart@ksk-koeln.de
Change language