UmweltBank Aktiengesellschaft: directors' dealings · Germany · BaFin

About UmweltBank Aktiengesellschaft

UmweltBank Aktiengesellschaft (ISIN DE0005570808, ticker UBK.DE) is a German listed bank traded on Xetra / Frankfurt (DAX/MDAX/SDAX) with a clearly differentiated sustainable-banking model. Founded in 1997 and headquartered in Nuremberg, Germany, the institution built its franchise around a simple thesis: channel savings and credit into projects with measurable ecological and social value rather than into conventional, carbon-intensive sectors. Its footprint is nationwide across Germany, serving both retail and commercial customers. ([umweltbank.de](https://www.umweltbank.de/download/10969-Sustainability-and-Annual-Report_2024_EN.pdf)) The business model is anchored by two core segments. On the retail side, UmweltBank offers savings products such as demand deposits and term deposits, as well as current accounts, cards, and sustainable investment solutions. These include the UmweltBank share itself, own bonds, third-party project and corporate bonds, investment funds, and an ETF managed in line with its sustainability standards. On the commercial side, the bank focuses on financing renewable energy projects and sustainable real estate in Germany. Typical exposures include rooftop and ground-mounted photovoltaic plants, wind farms, rental housing, commercial property, and social infrastructure such as schools, nurseries, daycare centres, care facilities, and student accommodation. The bank applies strict positive and exclusion criteria, explicitly avoiding fossil fuels, nuclear power, weapons and other harmful industries. ([umweltbank.de](https://www.umweltbank.de/ueber-uns/english/)) From a competitive standpoint, UmweltBank occupies a niche position in the German banking landscape. Its brand is closely associated with “green banking,” the UN Sustainable Development Goals, and financing the energy transition. The bank says it serves roughly 155,000 private and commercial customers, giving it a national reach while remaining far more specialised than Germany’s universal banks. That combination of focused product design and sustainability positioning is a key part of its investment case. ([umweltbank.de](https://www.umweltbank.de/download/10969-Sustainability-and-Annual-Report_2024_EN.pdf)) Recent developments suggest a turnaround in execution and regulatory normalisation. In July 2025, UmweltBank announced that the BaFin-appointed special representative, installed in February 2024 to monitor remediation of supervisory deficiencies, had ended its work after progress on the required measures. In January 2026, the bank said it had finished FY2025 with renewed growth momentum. On 25 February 2026, it reported preliminary FY2025 pre-tax profit of EUR 6.4 million, a total capital ratio of around 17%, and plans to resume a dividend of EUR 0.05 per share. In March 2026, UmweltBank also highlighted its climate strategy, stating that its loan portfolio had been externally validated by the Science Based Targets initiative as already aligned with the 1.5°C pathway. ([umweltbank.de](https://www.umweltbank.de/news/beendigung-der-taetigkeit-des-sonderbeauftragten-der-bafin/)) For international investors, UmweltBank is best understood as a specialized German ESG bank undergoing operational recovery, with growth tied to sustainable lending, product expansion, and continued regulatory de-risking.