IBM Deutschland Kreditbank Gesellschaft mit beschränkter Haftung products, services and reviews

About IBM Deutschland Kreditbank Gesellschaft mit beschränkter Haftung

IBM Deutschland Kreditbank Gesellschaft mit beschränkter Haftung is a German credit institution aligned with IBM’s global financing activities, focused on vendor and asset-based financing for business customers. Its core business consists of loans, leases, and structured payment solutions linked to the acquisition and lifecycle of information technology, software, and related services, typically in connection with IBM offerings and selected partner equipment. It operates as a specialized corporate lender rather than a retail bank; it does not promote current accounts, cards, or mass-market savings products and serves clients through IBM sales channels and dedicated account teams instead of a public branch network. Pricing and terms are negotiated individually based on asset type, tenor, and counterparty risk, with collateral commonly including financed equipment and associated receivables. As a German bank, it is subject to the German Banking Act and supervision by BaFin in cooperation with the Deutsche Bundesbank; where eligible deposits exist, participation in the German statutory deposit protection scheme applies under applicable rules. Funding is oriented toward group and wholesale sources rather than retail deposits, concentrating liquidity and counterparty dependencies within the IBM group and capital markets. Risk is largely centered on corporate exposures to the technology sector and on residual values of leased assets, with regulatory disclosures covering capital adequacy, credit risk, and leasing exposures as required under CRR/CRD. Public information is available through the German company register and regulatory publications; product availability and eligibility are limited to business clients, and consumers seeking everyday banking services would generally need to consider other providers.