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Aareal Bank Group New Acquisition

AAREAL BANK GROUP ACQUIRES COMMERCIAL PROPERTY FINANCE PROVIDER

Wiesbaden, 22 December 2013 - Aareal Bank Group acquires all of the shares of Corealcredit Bank AG, specialising in commercial property financing in Germany. A corresponding sale and purchase agreement was concluded today with the previous owner, a company of US financial investor Lone Star. The purchase price amounts to €342 million, subject to contractually agreed adjustments until the closing date. According to current planning, the transaction - which is subject to the approval of the respective authorities - shall be completed during the first half of next year. 

 Corealcredit Bank has belonged to Lone Star since the end of 2005 under whose guidance the property bank undertook a successful realignment, focusing on the commercial property financing core business in Germany and managing to return to profit in 2007. With total assets of €7.6 billion (as at 30 June 2013), the bank's commercial property financing volume amounts to €3.6 billion. Within the framework of an extensive due diligence, Corealcredit Bank's' legal, tax and credit risks have been valued in a conservative manner and are comprehensively ring-fenced.

"By acquiring the newly realigned Corealcredit Bank, we are exploiting an attractive opportunity for inorganic growth at a favourable time", explained CEO Dr Wolf Schumacher. "With this step, we are further expanding our position as one of the leading providers of commercial property financing, and at the same time making an active contribution to sustainably safeguarding the stability of an economically important segment of the German banking sector", Schumacher said.

Value-increasing transaction

According to the agreement entered into today, Aareal Bank acquires Corealcredit at a price reflecting a discount compared to the book value of its assets and liabilities. The acquisition will be financed entirely from own resources. Aareal Bank will continue to fully comply with the tightened capital requirements under Basel III even after the transaction has been completed. The transaction will be earnings-per-share-accretive from the first year onwards. This will also be the case in the subsequent years: In the first three years, there will be a positive cumulative effect on earnings per share of more than three Euro. The medium-term target RoE of approximately 12 per cent before tax will remain unchanged.

"Due to the positive effects on earnings per share, the transaction will create value for our shareholders right from the outset. In addition, we will maintain the planned resumption of an active dividend policy starting in 2014 for the 2013 financial year", Hermann J. Merkens, CFO of Aareal Bank AG explained.

Under the umbrella of the Aareal Bank Group, Corealcredit Bank AG is intended to be a legally independent subsidiary after the closing, with its refinancing remaining secured within the Group. In view of the size and focus of Corealcredit Bank, the organisational complexity of the business combination with Aareal Bank Group can be mastered.

Source: twst Mails

Tips On Investment

One of the best guide as to finding an area to invest in is your community. The community could be as large as the globe or as small as your immediate reach.

In the community, sort out a solution. The crystal clear fact is that the entire universe will never get to that point that there would be no problems to be solved. This is pretty amazing fact. Creating solutions to the unending human problems is about one of the easiest thing to do.

Key Resource Materials

•      Profitability
•       Availability
•       Resourcefulness
•       Acceptability
•               Seasonal

Success

The Return on Investment--ROI

The tricky part in determining what constitutes your “return,” and what your true investment is. For example, different marketers might consider the following for return:

·         Total revenue generated for a campaign (or gross receipts or turnover, depending on your organization type and location, which is simply the top line sales generated from the campaign)

·         Gross profit, or a gross profit estimate, which is revenue minus the cost of goods to produce/deliver a product or service. Many marketers simply use the company’s COG percentage (say 30%) and deduct it from the total revenue

·         Net profit, which is gross profit minus expenses

On the investment side, it’s easy for marketers to input the media costs as the investment. But what other costs should you include? To execute your campaign, you might have:

·         Creative costs

·         Printing costs

·         Technical costs (such as email platforms, website coding, etc)

·         Management time

·         Cost of sales

Marketing ROI Formulas

One basic formula uses the gross profit for units sold in the campaign and the marketing investment for the campaign:

Gross Profit – Marketing Investment
Marketing Investment

You can also use the Customer Lifetime Value (CLV) instead of Gross Profit. CLV is a measure of the profit generated by a single customer or set of customers over their lifetime with your company.

Customer Lifetime Value – Marketing Investment
Marketing Investment

However, some companies deduct other expenses and use a formula like this:

Profit  – Marketing Investment – *Overhead Allocation – *Incremental Expenses
Marketing Investment

*These expenses are typically tracked in “Sales and General Expenses” in overhead, but some companies deduct them in ROI calculations to provide a closer estimate of the true profit their marketing campaigns are generating for the company. 

The components for calculating marketing ROI can be different for each organization, but with solid ROI calculations, you can focus on campaigns that deliver the greatest return. For example, if one campaign generates a 15% ROI and the other 50%, where will you invest your marketing budget next time? And if your entire marketing budget only returns 6% and the stock market returns 12%, your company can earn more profit by investing in the stock market.

Finally, ROI helps you justify marketing investments. In tough times, companies often slash their marketing budgets – a dangerous move since marketing is an investment to produce revenue. By focusing on ROI, you can help your company move away from the idea that marketing is a fluffy expense that can be cut when times get tough.

How to write a business plan ... 7

Operations

Explain the pros and cons of the location.

Explain what facilities the business will have and how it will deliver the product or service to the customer.

Indicate the facilities you will need to start (e.g. equipment and machinery). Some start-up businesses only need a desk and a phone.

·        Consider any potential limits to production capacity.

If you are going to manufacture or distribute products, show how and where you are going to warehouse them and for how long.

Provide a list of employee roles you need to fill and the skills required to fill them

Show how you selected your suppliers

How to write a business plan ... 6

Management

People reading the business plan need to be given an idea of why they should have faith in the management of your start-up.

Outline the management skills within your team.

·        Define each management role and who will fill it.

·        Show your strength and outline how you will cope with any weaknesses.

·        Describe the background and experience of each team member.

·        Clarify how you intend to cover the key areas of production, sales, marketing, finance and administration.

·        Management information systems and procedures should be outlined. For example, management accounts, sales, stock control and quality control.

·        Show how many ‘mentors’ and other supporters you will have access to.

How committed are you?

Banks and any other potential investors will want to be sure you are committed to the business.

Show how much time and money each of the management team will contribute, and what your salaries and benefits will be.