MOE · Q4 2025
Stadtsparkasse Mönchengladbach
Institution report with full transparency disclosures under section 28 PfandBG.
Key figures
Overview by Pfandbrief type
Outstanding Pfandbriefe, cover assets and reported overcollateralisation by Pfandbrief type.
| Public sector Pfandbriefe | |
|---|---|
| Outstanding Pfandbriefe | 25.0 EUR million |
| Cover pool | 56.8 EUR million |
| Voluntary overcollateralisation | 30.8 EUR million |
| Statutory overcollateralisation | 1.0 EUR million |
| Overcollateralisation | 31.8 EUR million |
Detail
Country breakdown
Cover assets by country and Pfandbrief type.
| Country | Mortgage cover assets | Public sector cover assets |
|---|---|---|
| Germany | – | 56.8 EUR million |
Full report
All submitted values
Organised by record type and data section. All monetary amounts are shown in EUR million.
TA
General cover data
Record type TA
Public sector PfandbriefeData section O 55 Values
| Value | Section and field | Context | Breakdown | Reported value |
|---|---|---|---|---|
| w1 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Nominal value | Total | – | 25.0 EUR million |
| w2 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Nominal value of which derivatives | Total | – | 0.0 EUR million |
| w3 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Nominal value | Total | – | 56.8 EUR million |
| w4 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Nominal value of which derivatives | Total | – | 0.0 EUR million |
| w5 | OvercollateralisationStatutory overcollateralisation - Nominal value | Total | – | 1.0 EUR million |
| w6 | OvercollateralisationContractual overcollateralisation - Nominal value | Total | – | 0.0 EUR million |
| w7 | OvercollateralisationVoluntary overcollateralisation - Nominal value | Total | – | 30.8 EUR million |
| w8 | Overcollateralisation under the vdp credit quality differentiation modelOvercollateralisation - Nominal value | Total | – | 0.0 EUR million |
| w9 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Net present value | Total | – | 24.3 EUR million |
| w10 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Net present value of which derivatives | Total | – | 0.0 EUR million |
| w11 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Net present value | Total | – | 57.9 EUR million |
| w12 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Net present value of which derivatives | Total | – | 0.0 EUR million |
| w13 | OvercollateralisationStatutory overcollateralisation - Net present value | Total | – | 0.5 EUR million |
| w14 | OvercollateralisationContractual overcollateralisation- Net present value | Total | – | 0.0 EUR million |
| w15 | OvercollateralisationVoluntary overcollateralisation - Net present value | Total | – | 33.1 EUR million |
| w16 | Overcollateralisation under the vdp credit quality differentiation modelOvercollateralisation - Net present value | Total | – | 0.0 EUR million |
| w17 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Risk-adjusted net present value | Total | – | 22.5 EUR million |
| w18 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Outstanding Pfandbriefe - Risk-adjusted net present value of which derivatives | Total | – | 0.0 EUR million |
| w19 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Risk-adjusted net present value | Total | – | 52.7 EUR million |
| w20 | Pfandbrief cover assets and outstanding volume (disclosure under § 28 subsection 1 nos. 1 and 3 PfandBG)Cover pool - Risk-adjusted net present value of which derivatives | Total | – | 0.0 EUR million |
| w21 | Other valuesValue w21 | Total | – | 0.0 |
| w22 | Other valuesValue w22 | Total | – | 0.0 |
| w23 | Other valuesValue w23 | Total | – | 0.0 |
| w24 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 0.0 EUR million |
| w25 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 10.0 EUR million |
| w26 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 0.0 EUR million |
| w27 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 0.0 EUR million |
| w28 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 14.0 EUR million |
| w29 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 0.0 EUR million |
| w30 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 0.0 EUR million |
| w31 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 4.0 EUR million |
| w32 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 0.0 EUR million |
| w33 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 5.0 EUR million |
| w34 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 0.0 EUR million |
| w35 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 0.0 EUR million |
| w36 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 10.0 EUR million |
| w37 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 0.0 EUR million |
| w38 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 5.0 EUR million |
| w39 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 5.0 EUR million |
| w40 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 0.0 EUR million |
| w41 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 10.0 EUR million |
| w42 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 0.0 EUR million |
| w43 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 0.0 EUR million |
| w44 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 5.0 EUR million |
| w45 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 5.0 EUR million |
| w46 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 28.8 EUR million |
| w47 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 5.0 EUR million |
| w48 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Outstanding Pfandbriefe | Total | – | 0.0 EUR million |
| w49 | Maturity structure (disclosure under § 28 subsection 1 no. 4 PfandBG)Cover pool | Total | – | 0.0 EUR million |
| w50 | Maturity structure after maturity extension (disclosure under § 28 subsection 1 no. 5 PfandBG)Outstanding Pfandbriefe after maturity extension | Total | – | 0.0 EUR million |
| w51 | Cover assets by size (disclosure under § 28 subsection 3 no. 1 PfandBG)Cover assets (≤ 10 million) | Total | – | 42.8 EUR million |
| w52 | Cover assets by size (disclosure under § 28 subsection 3 no. 1 PfandBG)Cover assets (10million < cover assets ≤ 100 million) | Total | – | 14.0 EUR million |
| w53 | Cover assets by size (disclosure under § 28 subsection 3 no. 1 PfandBG)Cover assets (> 100 million) | Total | – | 0.0 EUR million |
| w54 | Other valuesValue w54 | Total | – | 0.0 |
| – | Additional informationRisk-adjusted net present value calculation method | Total | – | Static approach Code: s |
TD
Primary cover assets
Record type TD
Public sector PfandbriefeData section O 17 Values
| Value | Section and field | Context | Breakdown | Reported value |
|---|---|---|---|---|
| w1 | Cover assets owedClaims against central government | Germany | – | 0.0 EUR million |
| w2 | Cover assets owedClaims against regional authorities | Germany | – | 29.0 EUR million |
| w3 | Cover assets owedClaims against local authorities | Germany | – | 0.0 EUR million |
| w4 | Cover assets owedClaims against other entities | Germany | – | 0.0 EUR million |
| w5 | Cover assets guaranteedClaims against central government | Germany | – | 0.0 EUR million |
| w6 | Cover assets guaranteedClaims against regional authorities | Germany | – | 27.8 EUR million |
| w7 | Cover assets guaranteed€ Claims against local authorities | Germany | – | 0.0 EUR million |
| w8 | Cover assets guaranteedClaims against other entities | Germany | – | 0.0 EUR million |
| w9 | Export credit guaranteesOf which export credit guarantees | Germany | – | 0.0 EUR million |
| w10 | Total payments overdue by at least 90 daysCentral government | Germany | – | 0.0 EUR million |
| w11 | Total payments overdue by at least 90 daysRegional authorities | Germany | – | 0.0 EUR million |
| w12 | Total payments overdue by at least 90 daysLocal authorities | Germany | – | 0.0 EUR million |
| w13 | Total payments overdue by at least 90 daysOther | Germany | – | 0.0 EUR million |
| w14 | Total claims where the respective arrears amount to at least 5% of the claimCentral government | Germany | – | 0.0 EUR million |
| w15 | Total claims where the respective arrears amount to at least 5% of the claimRegional authorities | Germany | – | 0.0 EUR million |
| w16 | Total claims where the respective arrears amount to at least 5% of the claimLocal authorities | Germany | – | 0.0 EUR million |
| w17 | Total claims where the respective arrears amount to at least 5% of the claimOther | Germany | – | 0.0 EUR million |
TW
Further cover assets
Record type TW
Public sector PfandbriefeData section O 8 Values
| Value | Section and field | Context | Breakdown | Reported value |
|---|---|---|---|---|
| w1 | Further cover assetsTotal further cover assets | Germany | – | 0.0 EUR million |
| w2 | Further cover assets(of which total) Claims under § 20 subsection 2 sentence 1 no. 2 | Germany | – | 0.0 EUR million |
| w3 | Further cover assets(of which) covered bonds under Art. 129 Regulation (EU) no. 575/2013 | Germany | – | 0.0 EUR million |
| w4 | Further cover assets(of which total) Claims under § 20 subsection 2 sentence 1 no. 3 a) to c) | Germany | – | 0.0 EUR million |
| w5 | Further cover assets(of which) covered bonds under Art. 129 Regulation (EU) no. 575/2013 | Germany | – | 0.0 EUR million |
| w6 | Further cover assets(of which total) Claims under § 20 subsection 2 sentence 1 no. 4 | Germany | – | 0.0 EUR million |
| w7 | Further cover assets(of which) covered bonds under Art. 129 Regulation (EU) no. 575/2013 | Germany | – | 0.0 EUR million |
| w8 | Other valuesValue w8 | Germany | – | 0.0 |
TK
Key figures
Record type TK
Public sector PfandbriefeData section O 34 Values
| Value | Section and field | Context | Breakdown | Reported value |
|---|---|---|---|---|
| w1 | Key figures (disclosure under §28 subsection 1 nos. 11 to 13 PfandBG)Share of fixed-rate Pfandbriefe in outstanding Pfandbriefe, in percent (§ 28 subsection 1 no. 13 PfandBG) | Total | – | 100.0 % |
| w2 | Key figures (disclosure under §28 subsection 1 nos. 11 to 13 PfandBG)Total claims under § 20 subsection 1 and subsection 2, exceeding the limits under § 20 subsection 3 (§ 28 subsection 1 no. 11 PfandBG) | Total | – | 0.0 EUR million |
| w3 | Other valuesValue w3 | Total | – | 0.0 |
| w4 | Key figures (disclosure under §28 subsection 1 nos. 11 to 13 PfandBG)Claims exceeding the limit under § 20 subsection 2 no. 2 (§ 28 subsection 1 no. 12 PfandBG) | Total | – | 0.0 EUR million |
| w5 | Key figures (disclosure under §28 subsection 1 nos. 11 to 13 PfandBG)Claims exceeding the limit under § 20 subsection 2 no. 3 (§ 28 subsection 1 no. 12 PfandBG) | Total | – | 0.0 % |
| w6 | Other valuesValue w6 | Total | – | 0.0 |
| w7 | Key figures (disclosure under §28 subsection 1 nos. 11 to 13 PfandBG)Share of fixed-rate cover assets in total cover assets, in percent (§ 28 subsection 1 no. 13 PfandBG) | Total | – | 100.0 % |
| w8 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)CAD | Total | – | 0.0 EUR million |
| w9 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)CHF | Total | – | 0.0 EUR million |
| w10 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)CZK | Total | – | 0.0 EUR million |
| w11 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)DKK | Total | – | 0.0 EUR million |
| w12 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)GBP | Total | – | 0.0 EUR million |
| w13 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)HKD | Total | – | 0.0 EUR million |
| w14 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)JPY | Total | – | 0.0 EUR million |
| w15 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)NOK | Total | – | 0.0 EUR million |
| w16 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)SEK | Total | – | 0.0 EUR million |
| w17 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)USD | Total | – | 0.0 EUR million |
| w18 | Net present value by foreign currency under section 6 of the Pfandbrief Net Present Value Regulation (disclosure under § 28 subsection 1 no. 14 PfandBG) (balance of assets and liabilities)AUD | Total | – | 0.0 EUR million |
| w19 | Other valuesValue w19 | Total | – | 0.0 |
| w20 | Other valuesValue w20 | Total | – | 0.0 |
| w21 | Other valuesValue w21 | Total | – | 0.0 |
| w22 | Other valuesValue w22 | Total | – | 0.0 |
| w23 | Other valuesValue w23 | Total | – | 0.0 |
| w24 | Other valuesValue w24 | Total | – | 0.0 |
| w25 | Liquidity figures under § 28 subsection 1 no. 6 PfandBGLargest negative sum within the next 180 days under section 4(1a), sentence 3 PfandBG (liquidity requirement) | Total | – | 0.0 EUR million |
| w26 | Liquidity figures under § 28 subsection 1 no. 6 PfandBGDay on which the largest negative sum occurs (day 1–180) | Total | – | 165.0 |
| w27 | Liquidity figures under § 28 subsection 1 no. 6 PfandBGTotal cover assets meeting the requirements of section 4(1a), sentence 3 PfandBG (liquidity coverage) | Total | – | 56.9 EUR million |
| w28 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in cover assets under § 20 subsection 2 sentence 1 no. 1 (credit quality step 3) | Total | – | 0.0 % |
| w29 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in cover assets under § 20 subsection 2 sentence 1 no. 2 (credit quality step 2) | Total | – | 0.0 % |
| w30 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in cover assets under § 20 subsection 2 sentence 1 no. 3 letter c (credit quality step 1) | Total | – | 0.0 % |
| w31 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in liabilities to be covered under § 20 subsection 2 sentence 1 no. 1 (credit quality step 3) | Total | – | 0.0 % |
| w32 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in liabilities to be covered under § 20 subsection 2 sentence 1 no. 2 (credit quality step 2) | Total | – | 0.0 % |
| w33 | Key figures under § 28 subsection 1 no. 7 PfandBG (all figures in %)Share of derivatives in liabilities to be covered under § 20 subsection 2 sentence 1 no. 3 letter c (credit quality step 1) | Total | – | 0.0 % |
| w34 | Key figures under § 28 subsection 1 no. 15 PfandBG (figures in %)Share of cover assets for which, or for whose debtor, a default under Article 178(1) CRR is deemed to have occurred | Total | – | 0.0 % |
TIS
Securities identification numbers
Record type TIS
Public sector PfandbriefeData section O 1 Values
| Value | Section and field | Context | Breakdown | Reported value |
|---|---|---|---|---|
| w1 | Securities identification numbers | Total | – | Not reported |
Units and interpretation
- All monetary values are shown in EUR million.
- Numbers in the summaries and the full data table are rounded to one decimal place.
- Percentage, text and selection fields are not scaled.
- JSON and CSV contain this report's published source data with the reported precision.