IKB Deutsche Industriebank Aktiengesellschaft products, services and reviews

About IKB Deutsche Industriebank Aktiengesellschaft

IKB Deutsche Industriebank Aktiengesellschaft is a German corporate bank headquartered in Düsseldorf that focuses on financing for medium-sized companies in Germany and selected neighboring markets. Its activities include investment and working-capital loans, acquisition and growth financing, structured and project finance (including energy-related projects), selective commercial real estate lending, and the arrangement of Schuldscheindarlehen and other private placements, alongside basic interest-rate and foreign-exchange hedging for clients. Funding is sourced through a mix of wholesale instruments and retail deposits offered under the IKB Direkt brand, which provides overnight and fixed-term savings products; these deposits are covered by Germany’s statutory deposit guarantee scheme (EdB) up to EUR 100,000 per depositor, and the bank participates in the private banks’ voluntary deposit protection fund. IKB is authorized under European and German banking law, supervised within the Single Supervisory Mechanism (ECB and BaFin), and subject to CRR/CRD capital and liquidity requirements, with disclosures published under IFRS and Pillar 3. The bank’s origins trace back to institutions established to provide long-term industrial finance, and it underwent significant restructuring after losses on structured credit exposures during the 2007–2008 financial crisis; since then it has operated with a narrower focus on core corporate lending and deposit-funded operations. IKB is majority owned by funds advised by Lone Star following a post-crisis sale by KfW and is no longer publicly listed. Potential risk factors include sector cyclicality in the Mittelstand client base, interest-rate and funding risk, and regulatory changes.