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Annual Report 2019

31 March 2020

Dear reader,

When we developed the content and concept of this annual report, the corona virus was still a phenomenon far removed from us – both geographically and in the figurative sense. That has changed. We are undergoing a dramatic development, the end of which we are not yet able to predict. It is the responsibility of each and every one of us to make a contribution so that we overcome this crisis as well as possible.

In the past few weeks, many women and men have been doing exactly that, especially staff working in the health services, in the police and emergency services, in the provision of food and other goods and in the safeguarding of energy and communications networks; this list could go on. We are deeply indebted to all of them for their commitment, often working to their physical and mental limits.

For us at Berlin Hyp, our top priority from the outset has been to protect the health of our employees, customers and business partners in the best possible way. We have limited personal contact to what is absolutely necessary and most of our staff began working from home from early on.

In addition, we swiftly took measures to ensure the stability of the Bank and its core processes and this is going very well. Heavy investment in our IT systems in recent years, strengthening our equity and building up additional risk buffers is now paying off. Our process of cultural change, which, among other things, enshrines flexible and agile working more firmly in the Bank, is also of great help to us. Above all, we can count on the people at Berlin Hyp. We would like to express our great gratitude to them.

This crisis and its far-reaching consequences will certainly be felt for a long time to come, and coping with it will demand a great deal from all of us. At the same time, other major challenges remain, especially those arising from digitisation, changing societal underlying conditions and the fight against climate change. This also applies to the real estate and financial industries. In our annual report, we take a look at these questions and present Berlin Hyp's responses. We have decided to publish these contents in their originally planned form despite the fundamentally changed situation.

Berlin Hyp can look back on a good 2019 financial year. This also contributes to the stability of the Bank. From today’s perspective, the effects of the corona crisis on the further development of the real estate and financial markets and on Berlin Hyp’s business cannot yet be seriously put into figures. The statements made in the annual report on expectations for the current year and beyond represent the status as it was at the time of preparation of the financial accounts in February 2020. We would ask you to bear this in mind when reading.

Please continue to take care of yourself and your fellow human beings.

Kind regards

Sascha Klaus, Gero Bergmann, Alexander Stuwe

next dimension Berlin Hyp
Opening a New Chapter Together

Download (855.9 KiB)

Digitisation, a stronger commitment to sustainability and new living and working environments. These three major trend lines of societal transformation will have a decisive influence on the development of the real estate and financial sectors in the decade that has just begun.

What the real estate and financing markets will look like in ten years’ time can hardly be reliably predicted in detail. Change is taking place too quickly and too dynamically for that. But one thing is quite clear: those companies that succeed in quickly finding the most convincing solutions to the associated challenges will be successful in the new decade.

Sascha Klaus about the business year 2019

Chapters

  • The Enviroment
  • next dimension berlinhyp
  • A Good Year for Berlin Hyp
  • Foresight

Will the business model of a real estate bank remain valid in 2020 and beyond?
Since real estate will retain its key function for the economy and society and remain important as a capital investment, the answer is definitely yes!

Will Berlin Hyp and its business model look different in ten years from now?
The answer here is also a resounding yes. This will be safeguarded solely by the change associated with the trends described. But there will be other challenges as well: in all probability, interest rates will remain low in the coming years and the mandatory regulation defines high requirements for reporting, risk management and equity.

So a response is needed.
The good news is, we at Berlin Hyp are ready to react, and we have already initiated many of the necessary changes. For us, it will be a matter of building upon this basis and taking the Bank and its business into the next dimension.

Our objective:
We want to become the most modern real estate financier in Germany.

In order to achieve this, three issues are in focus:

We invest in innovative digital solutions for real estate investments and their financing and digitalise our complete value chain.

We strictly focus on sustainable products and take sustainability aspects into account in all our activities to an even greater extent than before.

We are developing a sustainable corporate culture and are pushing ahead with our development into a flexible and agile bank.

#sharinginspiration:
living the future, setting trends, creating together.
This is what distinguishes Berlin Hyp today and it should remain so in the new decade.

Annual report 2019

When we developed the content and concept of this annual report, the corona virus was still a phenomenon far removed from us – both geographically and in the figurative sense. That has changed. Read here about our thoughts on the current situation.

Download (40.7 KiB)

The “Key Figures at a Glance” section presents the most important key figures for 2019 with respect to “Profit and Loss Account”, “Business Development”, “Regulatory Law Key Figures”, “Issue Ratings” and “Sustainability Ratings” of Berlin Hyp – comparing in each case with the key figures of 2018.

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The “Bodies of the Bank and Other Important Functions” section gives an overview of the composition of the Supervisory Board, the Board of Management and the Supervisory Board Committees of Berlin Hyp for the full year 2019. In addition, the Cover Pool Monitor and the Deputy Cover Pool Monitors shall be named.

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The “The Supervisory Board Report” section provides information about the activities of the Supervisory Board and its Committees, the Supervisory Board meetings and the participation of the Supervisory Board members, as well as about personnel matters in the Board of Management and Supervisory Board in 2019. The topics “Corporate Governance Report”, “Annual Financial Statements” and “Sustainability Report” are particularly highlighted here.

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The “Corporate Governance Report” section describes the activities of the Board of Management and Supervisory Board of Berlin Hyp in accordance with the requirements of the current version of the German Corporate Governance Code (GCGC). The focus here is on particular topics such as “Close Cooperation between the Board of Management and the Supervisory Board”, “Increasing the Efficiency of the Committees” and “Transparency”. The chapter concludes with Berlin Hyp’s updated 2019 “Joint compliance declaration by the Board of Management and the Supervisory Board”.

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The “Management Report” section provides a detailed presentation of Berlin Hyp’s business performance, results of operations and position in 2019. This includes information on the principals of the Bank (business model, objectives and strategies, management system) and statements on possible further developments in the form of an “Opportunities, Forecast and Risk Report”.

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The “Annual Financial Statements” section presents all of Berlin Hyp’s key figures for the 2019 financial year – including the annual balance sheet and a profit and loss account. The annual financial statements thus give a reliable picture of Berlin Hyp’s financial situation and success in 2019.

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In the “Service” section, a list of the most important abbreviations can be found, to make reading Berlin Hyp’s Annual Report 2019 easier. In addition, there is a directory of Berlin Hyp addresses as well as contact persons at the Bank.

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Living the Future

“We’re getting better,
faster and more efficient”

Quality, time, costs. Berlin Hyp’s IT and digitisation strategy addresses all three levers. With targeted investments, cooperation with innovative digital companies and the establishment of an end-to-end digital workflow, the Bank is working on becoming the most modern real estate financier in Germany.

more

Creating impetus

“Only by working together
will tomorrow be better”

In terms of climate change, the real estate sector is one of the biggest levers; at the same time, the sector is particularly affected by it. For Berlin Hyp, actively shaping the green transformation of the real estate and financial industry is therefore both a matter of social responsibility and business interest.

more

Shaping the Future

Partnership
and Responsibility

A partnership built on trust. Berlin Hyp uses this sentence as an addition to its logo. It succinctly expresses both the self-image and aspirations of the Bank and is a promise to our customers, business partners, employees and society.

more

Milestones 2018 –
The Year at a Glance

January 2019 – Berlin Hyp with Successful Senior Preferred Issue

31. January 2019

In January, Berlin Hyp was the first German bank in 2019 to successfully launch a senior preferred bond ...
More

February 2019 – The Housing Market Report Berlin 2019 states

28. February 2019

...that demand on the Berlin housing market remains high despite the continuing rise in asking rents ...
More

March 2019 – MIPIM

15. March 2019

Every year, the Who’s Who of the international real estate industry meets in Cannes; something we have been doing for more than ten years. At the joint ...
More

March 2019 - First Fully Digital Annual Report of the Bank

31. March 2019

For the first time in the Bank’s 150-year history, a printed copy of the Annual Report was dispensed with for reasons of sustainability. We are thus following ...
More

April 2019 – Berlin Hyp Receives Award for Best Asset-Backed/Asset-Based Green Bond

30. April 2019

Berlin Hyp has been awarded best asset-backed/asset-based green bond by Environmental Finance Green, ...
More

May 2019 – For the First Time, Berlin Hyp Issues a Ten-Year Mortgage Bond

31. May 2019

For the first time, Berlin Hyp has issued a ten-year mortgage Pfandbrief in benchmark format. The longest ...
More

June 2019 – When it Comes to Coworking, Berlin is the Big Player in Germany

30. June 2019

In cooperation with students of the IREBS business school, Berlin Hyp has published a short study on ...
More

July 2019 – The “Der Mensch bleibt im Cockpit” Case Study

30. July 2019

Even in the digitisation of the entire value chain of real estate financing, people should remain responsible ...
More

August 2019 – First Jumbo Pfandbrief in Six Years

31. August 2019

The third Pfandbrief issue carried out by Berlin Hyp in 2019 was priced exceedingly negatively – the short term of three years met with such great demand ...
More

September 2019 – For 2020, a Change in Berlin Hyp’s Board of Management Was Determined

30. September 2019

At its September meeting, the Supervisory Board decided to appoint Alexander Stuwe to the Bank’s Board of Management. “I am delighted that with the appointment ...
More

October 2019 – Expo Real: On our Way to Becoming the Most Modern Real Estate Financier in Germany, we Focus on Digitisation, Innovation and Sustainability

07. October 2019

Berlin Hyp presented itself at the Expo Real entirely dominated of digital networking. In addition to ...
More

October 2019 - Green Round Table at Berlin Hyp

31. October 2019

Real estate and sustainability: green buildings - green finance - green bonds 
Only together can we ...
More

October 2019 – Autumn Trip of the Kinderhaus

31. October 2019

Kinderhaus Berlin Mark-Brandenburg organises an annual autumn trip for all children of the institution. ...
More

November 2019 – Berlin Hyp Publishes the “Trendbarometer” Expert Survey

30. November 2019

Berlin Hyp has been publishing the “Trendbarometer” expert survey for six years in a row now. This year ...
More

December 2019 - Retirement of Roman Berninger

31. December 2019

Roman Berninger, who was with Berlin Hyp for almost 12 years and a member of the Board of Management for ten years, retired on expiry of his contract ...
More

January 2019 – Berlin Hyp with Successful Senior Preferred Issue

31. January 2019

In January, Berlin Hyp was the first German bank in 2019 to successfully launch a senior preferred bond ...
More

February 2019 – The Housing Market Report Berlin 2019 states

28. February 2019

...that demand on the Berlin housing market remains high despite the continuing rise in asking rents ...
More

March 2019 – MIPIM

15. March 2019

Every year, the Who’s Who of the international real estate industry meets in Cannes; something we have been doing for more than ten years. At the joint ...
More

March 2019 - First Fully Digital Annual Report of the Bank

31. March 2019

For the first time in the Bank’s 150-year history, a printed copy of the Annual Report was dispensed with for reasons of sustainability. We are thus following ...
More

April 2019 – Berlin Hyp Receives Award for Best Asset-Backed/Asset-Based Green Bond

30. April 2019

Berlin Hyp has been awarded best asset-backed/asset-based green bond by Environmental Finance Green, ...
More

May 2019 – For the First Time, Berlin Hyp Issues a Ten-Year Mortgage Bond

31. May 2019

For the first time, Berlin Hyp has issued a ten-year mortgage Pfandbrief in benchmark format. The longest ...
More

June 2019 – When it Comes to Coworking, Berlin is the Big Player in Germany

30. June 2019

In cooperation with students of the IREBS business school, Berlin Hyp has published a short study on ...
More

July 2019 – The “Der Mensch bleibt im Cockpit” Case Study

30. July 2019

Even in the digitisation of the entire value chain of real estate financing, people should remain responsible ...
More

August 2019 – First Jumbo Pfandbrief in Six Years

31. August 2019

The third Pfandbrief issue carried out by Berlin Hyp in 2019 was priced exceedingly negatively – the short term of three years met with such great demand ...
More

September 2019 – For 2020, a Change in Berlin Hyp’s Board of Management Was Determined

30. September 2019

At its September meeting, the Supervisory Board decided to appoint Alexander Stuwe to the Bank’s Board of Management. “I am delighted that with the appointment ...
More

October 2019 – Expo Real: On our Way to Becoming the Most Modern Real Estate Financier in Germany, we Focus on Digitisation, Innovation and Sustainability

07. October 2019

Berlin Hyp presented itself at the Expo Real entirely dominated of digital networking. In addition to ...
More

October 2019 - Green Round Table at Berlin Hyp

31. October 2019

Real estate and sustainability: green buildings - green finance - green bonds 
Only together can we ...
More

October 2019 – Autumn Trip of the Kinderhaus

31. October 2019

Kinderhaus Berlin Mark-Brandenburg organises an annual autumn trip for all children of the institution. ...
More

November 2019 – Berlin Hyp Publishes the “Trendbarometer” Expert Survey

30. November 2019

Berlin Hyp has been publishing the “Trendbarometer” expert survey for six years in a row now. This year ...
More

December 2019 - Retirement of Roman Berninger

31. December 2019

Roman Berninger, who was with Berlin Hyp for almost 12 years and a member of the Board of Management for ten years, retired on expiry of his contract ...
More

2019 – A strong year
our highlights

Strong in new business

  • € 7.3 billion new lending volume in Germany and Europe
  • Volume of new lending increased by 20 per cent

Strong with the German savings banks

  • Active cooperation with 149 savings banks at the end of 2019, 15 more than a year earlier
  • Joint projects with a volume of € 1.9 billion realised

Strong on the capital markets

  • A volume of issues of € 3.8 billion in 2019
  • First ten-year mortgage Pfandbrief in May
  • Successful issue of the first Jumbo Pfandbrief with the lowest issue yield ever in August 2019. First ten-year mortgage Pfandbrief in May

Strong on green issues

  • Our target of “20% share of green financing in the total loans portfolio by 2020” achieved one year earlier than planned
  • Continued success as an issuer of green bonds for the third time in a row, in 2019 two emissions within one year. A total of eight green issues with a total volume of € 4.0 billion

Strong in dialogue

  • Contribution to societally relevant debates: for example, with the Housing Market Report on the situation on the housing market in Berlin or a discussion event on green real estate & financing
  • Successful presentations at the leading trade fairs MIPIM and Expo Real as well as other industry meetings, active contribution to important networks such as ULI or Immoebs

Strong together

  • Cultural change process consistently continued. Cultural Change Manager and Culture Board support the process with the objective of further developing the corporate culture
  • Agility, flexibility and personal responsibility shall characterise the future cooperation

Strong for Berlin

  • Extensive commitment of the Bank and its employees to social needs, for example the Kinderhaus Berlin - Mark Brandenburg, the Off Road Kids Berlin, the Berliner Tafel foodbank, the Hilfswerft aid organisation and many more
  • Support of contemporary art by means of the sponsorship award as part of POSITIONS Berlin art fair and exhibitions in Berlin Hyp’s foyer

Reference Projects –
Inspiration for Europe

Berlin Hyp financing commercial portfolio for GSG Gewerbesiedlungs-Gesellschaft mbH with 750 million euros, syndicate with Investitionsbank Berlin

07 August 2020

Berlin Hyp financing commercial portfolio for GSG Gewerbesiedlungs-Gesellschaft mbH with 750 million ...
More

The Netherlands - Berlin Hyp financing the ‘de Kameleon’ property with € 63 million

29 June 2020

Berlin Hyp is providing ERES REIT with a loan of around 63 million euros for the mixed-use property ...
More

Germany - Berlin Hyp financing a retail portfolio in Germany with about € 131 million for the HAHN German Retail Fund III.

31 March 2020

Berlin Hyp is providing HAHN German Retail Fund III with a ten-year loan of € 131 million to purchase a retail portfolio. Several German savings banks ...
More

Berlin - Financing of the new construction of the “3 Höfe” complex in Berlin-Mitte with more than € 170 million

31 March 2020

Berlin Hyp has provided LBBW Immobilien with about € 171 million for the first construction phase of the new building complex “3 Höfe”, which is located ...
More

Montrouge, France

31 March 2020

The client emphasises, “Berlin Hyp fulfilled our expectations perfectly and took the special features ...
More

The Netherlands - Berlin Hyp financing Kadans’ Dutch Science Park portfolio in the Netherlands with more than € 124 million

31 March 2020

Berlin Hyp is providing Kadans Holding B.V. with a loan of around € 124 million for a portfolio of a ...
More

Amsterdam - Berlin Hyp financing the “de Oliphant” office building in Amsterdam with € 56.4 million

31 March 2020

Berlin Hyp has provided FS NL Zuidoost Property 15 B.V., an associate company of First Sponsor Group ...
More

Frankfurt am Main - Construction of a modern office complex for DekaBank

31 March 2020

Berlin Hyp as the syndicate leader of the syndicate set up together with Bayern LB and Deutsche Hypo ...
More

Warsaw - Berlin Hyp provides € 38 million for refinancing of Park Rozwoju office building in Warsaw

31 March 2020

Berlin Hyp has granted a loan to EPP Park Rozwoju for refinancing of Park Rozwoju in Warsaw. The Property is an office building complex with a total of ...
More

Paris region - Berlin Hyp is financing Argan's new logistic development project near Paris

31 March 2020

Berlin Hyp is providing Argan S.A. a 12-year € 44 million loan for the financing of a new Class A logistic asset in Fleury-Meroqis, The project is very ...
More

Warsaw - Berlin Hyp provides € 65 million for refinancing of Warsaw Trade Tower

31 March 2020

Berlin Hyp has granted a loan to Warsaw Trade Tower 2 Sp. z 0.0. for refinancing of Warsaw Trade Tower ...
More

Berlin Hyp financing commercial portfolio for GSG Gewerbesiedlungs-Gesellschaft mbH with 750 million euros, syndicate with Investitionsbank Berlin

07 August 2020

Berlin Hyp financing commercial portfolio for GSG Gewerbesiedlungs-Gesellschaft mbH with 750 million ...
More

The Netherlands - Berlin Hyp financing the ‘de Kameleon’ property with € 63 million

29 June 2020

Berlin Hyp is providing ERES REIT with a loan of around 63 million euros for the mixed-use property ...
More

Germany - Berlin Hyp financing a retail portfolio in Germany with about € 131 million for the HAHN German Retail Fund III.

31 March 2020

Berlin Hyp is providing HAHN German Retail Fund III with a ten-year loan of € 131 million to purchase a retail portfolio. Several German savings banks ...
More

Berlin - Financing of the new construction of the “3 Höfe” complex in Berlin-Mitte with more than € 170 million

31 March 2020

Berlin Hyp has provided LBBW Immobilien with about € 171 million for the first construction phase of the new building complex “3 Höfe”, which is located ...
More

Montrouge, France

31 March 2020

The client emphasises, “Berlin Hyp fulfilled our expectations perfectly and took the special features ...
More

The Netherlands - Berlin Hyp financing Kadans’ Dutch Science Park portfolio in the Netherlands with more than € 124 million

31 March 2020

Berlin Hyp is providing Kadans Holding B.V. with a loan of around € 124 million for a portfolio of a ...
More

Amsterdam - Berlin Hyp financing the “de Oliphant” office building in Amsterdam with € 56.4 million

31 March 2020

Berlin Hyp has provided FS NL Zuidoost Property 15 B.V., an associate company of First Sponsor Group ...
More

Frankfurt am Main - Construction of a modern office complex for DekaBank

31 March 2020

Berlin Hyp as the syndicate leader of the syndicate set up together with Bayern LB and Deutsche Hypo ...
More

Warsaw - Berlin Hyp provides € 38 million for refinancing of Park Rozwoju office building in Warsaw

31 March 2020

Berlin Hyp has granted a loan to EPP Park Rozwoju for refinancing of Park Rozwoju in Warsaw. The Property is an office building complex with a total of ...
More

Paris region - Berlin Hyp is financing Argan's new logistic development project near Paris

31 March 2020

Berlin Hyp is providing Argan S.A. a 12-year € 44 million loan for the financing of a new Class A logistic asset in Fleury-Meroqis, The project is very ...
More

Warsaw - Berlin Hyp provides € 65 million for refinancing of Warsaw Trade Tower

31 March 2020

Berlin Hyp has granted a loan to Warsaw Trade Tower 2 Sp. z 0.0. for refinancing of Warsaw Trade Tower ...
More
Back to overview

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