The Bank
at a glance
As a private commercial bank and specialist financier, we are a reliable partner for our customers. We provide detailed advice in order to find tailor-made and efficient solutions together. We offer financial clarity on which you can base your management decisions to enable new projects, economic growth and progress.
We are fast and reliable, while always thinking entrepreneurially
Tailor-made financing, a high level of structuring expertise and many years of experience are what set us apart. Our strength as a specialist financier is based on our in-depth market and sector expertise. We are a reliable partner for your projects, even with more complex requirement profiles.
HCOB in figures
31 December 2025
Our Promise
We have recognized that our clients’ projects are becoming increasingly complex—whether due to regulatory requirements, flexible payment structures, or geopolitical uncertainties. As a reliable and competent partner, we stand by your side, acting swiftly and with commitment. We offer tailored solutions and view transactions from an entrepreneurial perspective across the entire value chain.
Our promise applies equally to our employees. We place great importance on ensuring they have the necessary resources, training, and support to best assist our clients. We foster a culture of openness, honesty, and reliability so that we can turn our promise of financial clarity into reality.
Participations
Klarphos – Providing advice and fund solutions for Alternative Investments
Klarphos S.à.r.l. is a leading European Investment Manager providing customized solutions for institutional clients to achieve their goals in Alternative Investments.
Besides providing in-depth advisory services, jointly with a modern RAIF fund platform, Klarphos launches and manages funds in an uncomplicated and quick way.
Social Responsibility
Sustainability is just as important to us as strong financial performance – across environmental, economic, and social dimensions. We align our actions with established ESG criteria and have firmly embedded sustainability aspects into our business model. We support our clients in their transition toward a more sustainable future.
We align our business model with the requirements of sustainability in the ESG context and continuously implement targeted measures and strategies to promote sustainability aspects in all areas of the bank.
We are committed to fostering an inclusive working environment with diverse perspectives and equal opportunities. This is the only way we can position ourselves sustainably for the future in a way that reflects our underlying values and creates long-term added value for our employees, our bank and society.
Corporate governance is an important part of our corporate management. It encompasses not only legal issues, but also ethical responsibilities.
In keeping with our corporate social responsibility guidelines, we are committed to supporting social issues, sports activities and culture in our region. We also support the Schleswig-Holstein Art Foundation for contemporary visual arts and culture.