The Pfandbrief 2011 | 2012

Landesbank Saar, Saarbrücken (SaarLB) has successfully positioned itself as the Franco-German SME
bank. Boasting EUR 19 billion in total assets, it is the largest financial institution in the Saarland region.
The Bank’s core markets are the German state of Saarland and in the neighbouring regions of France,
particularly in the country’s prosperous northeast.
SaarLB’s activities are geared toward small and medium-sized enterprises, HNWI customers and customers
seeking commercial real estate financing. With its “cross-border” market knowledge, the Bank is familiar
with the customary business practices and legal norms in both Germany and France. Its customers are
served by bilingually-trained staff.
SaarLB also provides financing for mainly regional public-sector budgets and for renewable energy
projects. The Bank is authorised to issue Pfandbriefs, in accordance with the German Pfandbrief Act, as
well as other bonds, and is a member in the Association of German Pfandbrief Banks (vdp).
As the central bank to the Saarland savings banks, and in its capacity as associated partner of the Sparkassen-Finanzgruppe
Saar, SaarLB conducts vigorous syndicate business with the regional savings banks.
It is also a centre of competence, particularly in corporate finance, securities transactions and international
commercial business.
Rating: Mortgage Public Non-guaranteed Non-guaranteed Financial
Pfandbriefe Pfandbriefe short-term liabilities long-term liabilities strength
Moody‘s – – P-1 A1 D
Fitch – – F1 A D
138
Selected key figures
Total assets
2010
in Mio. €
19,064
2009
in Mio. €
18,740
Mortgage loan portfolio
2,865
2,774
Public-sector loan portfolio
2,353
1,372
Total funds outstanding (registered and bearer bonds)
Mortgage Pfandbriefe incl. Ship Pfandbriefe
473
530
Public Pfandbriefe
2,176
2,295
Unsecured bonds
3,380
3,481
Jumbo issues outstanding
0
0
Refinancing funds raised 1)
Ship Pfandbriefe
0
0
Mortgage Pfandbriefe
85
25
Public Pfandbriefe
325
170
Unsecured bonds
45
0
Promissory notes
0
0
Own funds as shown in the balance sheet – total –
Core capital (without net income)
758
758
Profit-sharing capital
82
140
Subordinated liabilities
144
180
Net interest income
111
164,0
Administrative expenditure
-72
-69,0
Operating result before risk provisions and valuation
61
105,0
Provisions for risks
35
72,0
Operating result after risk provisions and valuation
31
29,0
Income for the year
0
0
1)
only securitized liabilities
Presence in electronic media: Reuters, Bloomberg
Contacts:
Treasury Joachim Schäfer Tel.: +49 681 383-1521 joachim.schaefer@saarlb.de
Funding Hans-Peter Arweiler Tel.: +49 681 383-1685 hans-peter.arweiler@saarlb.de
Investor Relations Dieter Gläsener Tel.: +49 681 383-1362 dieter.glaesener@saarlb.de