Mercedes-Benz Bank GmbH

Mercedes-Benz Bank GmbH is a German credit institution headquartered in Stuttgart and wholly owned by Mercedes-Benz Mobility AG, a subsidiary of Mercedes-Benz Group AG. The bank operates as the captive finance arm for the Mercedes-Benz brand in Germany, providing consumer auto loans, leasing, insurance brokerage, fleet solutions, and dealer financing for the brand’s retail network. On the liability side it raises funding through retail deposits—primarily online savings and fixed-term accounts offered to residents of Germany—and through capital-markets instruments, including securitizations of auto receivables under established programs, alongside other unsecured funding as needed. It holds a full German banking license under the Kreditwesengesetz and is supervised by BaFin and the Deutsche Bundesbank; eligible deposits are protected up to EUR 100,000 per depositor under the statutory German deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken). Distribution relies on the manufacturer’s dealership network and direct digital channels rather than a traditional branch footprint. The loan book is concentrated in vehicle finance and leasing, with risk drivers including borrower credit quality and residual values on returned vehicles; collateralization with vehicle titles and standardized recovery and remarketing processes are used to manage exposures. The bank reports separately from the manufacturing parent but uses group infrastructure, and its performance is closely linked to Mercedes-Benz new and used vehicle demand in Germany and to conditions in the domestic funding market.