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Aareal Bank – Your competitive advantage.

More Than a Century of Real Estate Banking Expertise  

Aareal Bank supports the real estate and housing sectors with specialist expertise, financial stability and international experience. As an established German bank, we understand the industry and support real estate professionals in a continuously evolving market.

Built on experience

With in-depth real estate expertise, a strong international presence and a dedicated focus on the real estate and housing sectors, we understand the industry like few others.

Market leader

in Germany

Active in more than 20 countries

Active worldwide with our Headquarter in Germany

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Dedicated Exclusively to the Real Estate and Housing Sector

Banking Backed by Industry Expertise

We believe that effective banking goes beyond numbers alone. It requires a deep understanding of how homeowners’ associations and property managers operate. That is why we combine extensive sector expertise, modern digital solutions, and a personal approach.

Where we make a difference

We are doing baking with more than one century of trust

Real estate as our specialty

We fully focus on the real estate and housing market. .

More than 100 years of experience

A solid foundation of knowledge and experience in supporting real estate professionals and organisations.

Digital Solutions

We combine banking services with digital processes which make administration and management simple.

A- Rating

Aareal Bank is a specialized real estate bank with an A rating from Fitch. Combining financial strength with deep sector expertise, we provide our clients with the confidence of a reliable and trusted banking partner.

Our international position

Aareal Bank is worldwide active as a specialized real estate bank.

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Meet the team

Our expertise is built on the knowledge, experience, and commitment of our people. Meet the team dedicated to supporting our clients and helping them achieve their real estate goals.

Andreas Kramer 

Head of New Markets & Products 

With over 30 years of experience in banking, Andreas plays a key role in the development of new markets and products at Aareal Bank. His international perspective and strategic vision are instrumental in driving the continued growth of our presence in the Netherlands. 

Frans van Berlo 

Senior Sales Manager International 

Frans combines extensive real estate expertise with strong commercial experience and deep market insight. Thanks to his many years in the homeowners’ association (VvE) sector, he understands the industry inside and out. Outside of work, he enjoys athletics, traveling, and spending time with his children and grandchildren.

Roderick Kroeze 

Senior Sales Manager International 

With more than ten years of experience in the real estate sector, Roderick is responsible for commercial activities in the Dutch market. He is dedicated to building lasting client relationships and helping customers find banking solutions that best support their business objectives.

Rebecca Junker 

Senior Sales Manager International 

Based in Munich, Rebecca connects our German and Dutch teams, facilitating seamless cross-border collaboration. With her multilingual capabilities and international experience, she supports both clients and colleagues in navigating complex challenges and fostering effective cooperation across markets.

Bas van Zwamburg 

Sales Consultant 

Bas combines extensive experience in marketing, communications, and relationship management with a strong commercial drive. His enthusiasm, client-centric approach, and proactive mindset make him a trusted advisor and valued partner for clients and business relationships alike.

Steffen Seidel 

Business Development Manager 

Steffen explores new market opportunities and product developments in the Netherlands and other international markets. With his analytical mindset and keen eye for detail, he contributes to the continued growth and innovation of our services.

Lukas Böhm 

Product Owner 

Lukas ensures that our products meet both our clients’ needs and evolving market requirements. He works continuously to improve processes, product functionalities, and integrations with software solutions.

Justus Krupp 

Business Support & Market Research 

Justus supports the international expansion of our banking activities by translating market developments, client needs, and regulatory requirements into concrete solutions. At the intersection of business, IT, and sales, he drives digitalization and innovation initiatives across our international payments and deposit business.

Peter Dil 

Client Service

Based in our Wiesbaden office, Peter supports Dutch clients throughout their onboarding and KYC journey. He is committed to providing efficient, thorough, and personalized assistance, helping clients navigate every stage of their relationship with Aareal Bank with confidence.