Oldenburgische Landesbank Aktiengesellschaft

Oldenburgische Landesbank Aktiengesellschaft (OLB) is a German stock corporation headquartered in Oldenburg, Lower Saxony, founded in 1869. The bank operates a multi-segment model across retail and SME banking, corporate and structured lending, real estate finance, and private banking/wealth management, with a branch network focused on northwestern Germany and, following the acquisition and integration of Degussa Bank, a nationwide workplace-banking footprint. OLB offers current and savings accounts, payments and cards, consumer and mortgage lending, investment and brokerage services, and financing solutions for corporate clients, including sponsor-backed transactions, serving customers via branches as well as online and mobile channels. The company has grown through mergers and acquisitions and has been listed on the Frankfurt Stock Exchange (Prime Standard) since 2023, reporting under IFRS and operating a two-tier governance system with a Management Board and Supervisory Board. It is supervised by BaFin and the Deutsche Bundesbank within the European Single Supervisory Mechanism and participates in Germany’s statutory deposit guarantee scheme (EdB); it also belongs to the Association of German Banks’ voluntary Deposit Protection Fund. Funding is primarily based on customer deposits, complemented by wholesale instruments, with key risk drivers stemming from retail and SME credit exposure, commercial real estate and sponsor-related lending, as well as interest rate risk in the banking book and integration risk from acquisitions. The bank provides standard digital onboarding and service functionality, publishes regular financial and non-financial reports, and participates in the private banks’ ombudsman procedure for customer dispute resolution.