Prepared for tomorrow

Annual Report 2019

Aareal Bank can look back on a successful financial year. We reached our targets, whilst building the foundations for a sustainable continuation of our positive performance. We have strengthened our robust base, and are exploiting new potential.

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We have made our Group more powerful, but also more robust. Hermann J. Merkens Chairman of the Management Board of Aareal Bank AG

To our Shareholders

Letter from the Management Board

Dear shareholders, business associates and staff members the 2019 financial year was another challenging year – not only for the banking sector as a whole, but also for Aareal Bank.

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Our business in figures

Comparison of indicators

Results

Thinking ahead. Designing a more connected tomorrow.

Making the property industry of tomorrow tangible – today. From many perspectives. Whether it's about platform solutions for payment transactions, the future of student housing, or the way we cooperate: we are actively taking part in shaping our future, the future of our sector, and that of our clients. What is our tomorrow holding ready for you today? Take a peek at our seven trend topics.

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Diverse. Platform-based. The future of payment transactions in the housing industry.

Many diverse payment methods are emerging, which is pleasing for end-customers. This requires process owners to find an answer to the payment management issues of tomorrow.

The importance of platform solutions

Logistics of the future: green, digital, and urban.

Since logistics companies are facing ever-increasing requirements, we need new concepts for the industry – today.

How logistics are changing urban space

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What cooperation can look like in the digital age.

Digitalisation enhances processes and efficiency. However, technological change alone is no cure-all. We need the mindset to go along with it.

How good cooperation works

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Platform solution? Product innovation! Cooperation reconceived.

Platforms are the foundation for cooperations of tomorrow, and a technology which Aareon – in its role as pioneer – is already implementing for the housing industry.

Development platforms & the property industry: a perfect fit

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Student housing – a relevant asset class with growth potential.

Apartments with a focus on student demands are increasingly popping up around the world. Aareal Bank is already a sought-after financing partner in this area.

What makes new asset classes attractive

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Climate change meets Structured Property Financing.

Sustainability effects are being increasingly quantified. This requires the use of data as a cornerstone of economic activity.

How sustainable management works

Not just electricity. The digital transformation of utilities.

Digitalisation is noticeably changing current ways of living. Customers rightly expect more services from their electricity suppliers in tomorrow's connected world.

What tomorrow's utilities look like

Sustainable company management

Creating transparent sustainability

That is what we strive for. Aareal Bank pursues a corporate strategy with a long-term, sustainable focus.

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Innovations shape our future

A wealth of ideas for digital innovation

Digitalisation is changing our world permanently – and will continue to do so. We want to help shape these developments, and have therefore developed a comprehensive digital roadmap for the Group.

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Our business

We strive to offer our clients pioneering solutions for decisive competitive advantages, enabling long-term business success. With our expertise as a provider of smart financing, software products, digital solutions, and payment transaction applications in the property sector and related industries, we are a partner on an equal footing.

Structured Property Financing

Consulting/Services

Innovation responsibility

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You can get pretty smart answers to silly questions; you just have to dig a bit deeper. Wolf Lotter Business journalist and book author

Essay