Stefan Kram

Kreissparkasse Herzogtum Lauenburg provides banking and financial services to private and corporate clients. Its products and services include savings accounts, credit cards, securities, insurance, pension, investments, loans, corporate succession planning, and financing of business start-ups. The company is headquartered in Ratzeburg, Germany.

DekaBank Deutsche Girozentrale provides asset management and banking services. The firm operates through the following business divisions: Securities, Real Estate, Services, Capital Markets, and Financing. The Securities business division handles actively managed securities funds, passively managed index funds, as well as fund-linked asset management and special funds. The Real Estate business division offers property-based investment products for private and institutional investors. The Services business division provides banking services for asset management. The Capital Markets business division focuses on the development and supply of products, provision of infrastructure for capital market transactions, and acting as a liquidity platform for the savings banks and institutional customers. The Financing business division provides refinancing services to savings banks, as well as real estate, infrastructure, transport and export financing. The company was founded in 1918 and is headquartered in Frankfurt, Germany.