Million EUR

Balance sheet total

Mio. EUR (+21,6%)

Net interest and commission income

Million EUR

Operating result before taxes
(before fund for general banking risks, Section 340g HGB)

When the IBB Executive Board team, Heike Kemmner and Stephan Waiblinger, reflect on the year 2023, you will wait in vain for the moaning and lamenting that is otherwise common in business. There are two reasons for this. Firstly, because there is not much to moan about. IBB has – once again – managed to buck the general trend and put in a very respectable financial year. Secondly, because the bank lives by a philosophy that sees opportunity in everything. “You have to use even negative influences in a positive way – as an opportunity for new ideas!” is how Heike Kemmner puts it. But one thing at a time…