About us
Clarity is capital
HCOB‘s corporate offering is flexible and creative, ensuring that businesses of all types have access to a range of options from everyday products to highly bespoke solutions.
We focus on digital and social infrastructure projects as well as innovative projects in traditional infrastructure, such as transportation networks.
Early to develop expertise in this space, we are a trusted partner for many key players in European energy transition. We are with you from project selection to short term financing for the construction period, interim financing for equity or in supplementing and optimizing your portfolio.
We develop solutions that are tailored to your requirements – be that as project developer or real estate investor. Our input and our offering help you to strike the right risk / reward balance and achieve your goals off solid foundations.
As experts with a passion for the maritime segment, we are with you for the long haul across your ship financing needs.
We provide customized financing solutions for the aerospace industry, including for flight training, ground handling, slots, gates, maintenance facilities and aviation supply chains.
Preliminary result 2025
Hamburg Commercial Bank achieves EUR 289 million net income before taxes
To the interactive Annual Report
Perspectives
Hamburg is Germany’s second-largest city and an important real estate location. Nevertheless, international investors invest less frequently in Hamburg properties than in Berlin, Munich or Frankfurt. Real estate expert Peter Axmann explains the special features of the Hanseatic city – and thus the bank’s home market.
Leasing is an integral part of many companies’ investment strategy. Christopher Punga, our Head of Structured Finance, Corporates Germany, explains the developments shaping the leasing market and why leasing will remain a key component of investment in the future.
Factoring is a fundamental component of the financing mix. A.B.S. Global Factoring AG and HCOB have been working together successfully for many years. Eva Sartorius, member of the management board of A.B.S. Global Factoring AG, talks about the prospects and challenges of the factoring market and the cooperation with HCOB.
The planned introduction of the digital euro responds to the growing trend towards cashless payments and opens up new opportunities for businesses across Europe. The central bank currency is designed to be a secure, efficient and universally accessible digital alternative for payments throughout the euro area
The business of infrastructure financing and renewable energy projects has grown steadily. Jens Thiele, Head of Project Finance & Corporates, talks about his business model and where he sees potential in the future.
The rapid rise in interest rates in 2022 put a massive brake on the transaction market for commercial real estate. In the meantime, key interest rates have fallen again and Peter Axmann, our Head of Real Estate Clients, is seeing the first signs of a recovery,
E-bike leasing transactions require customized financing, a high degree of flexibility and the rapid processing of complex and large volumes of data.
Dealing with thousands of deposits and withdrawals every day involves a great deal of administrative work for many companies. Virtual accounts offer an efficient solution that simplifies the control of payment transactions, reduces complexity and minimises the risk of incorrect bookings.
Factoring enables companies to secure valuable capital while at the same time protecting themselves against bad debt losses
Pfandbriefe (covered bonds) are established and reliable financial instruments that play an important role in the refinancing strategy of many German banks. We use Pfandbriefe for refinancing and is not only regularly active in the broad Real Estate Pfandbrief market, but also issued the rather rarer variant of a Ship Pfandbrief at the beginning of the year.
News and press
Important notice
Banks in the Single Euro Payment Area will be required to carry out an IBAN name check (Verification of Payee) before every authorisation of a SEPA transfer and SEPA instant transfer.
The ISO 20022 changeover for SEPA payment orders, account information and foreign payment transactions required in companies is starting now.
DK V3.8 is a guideline of the German Banking Industry that regulates the standards for electronic payment transactions, such as direct debits, credit transfers and account statement data.
Markets at a glance
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Facts, figures and data
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37th Finance Symposium
May 6–8, 2026
RheinMain CongressCenter
Wiesbaden
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