mlp unique positioning within germany s financial services sector nils frowein cfo westlb deutschland conference sustaining profitable growth frankfurt november 16 2006 page 2 overview y business model and perspectives opportunity wealth management & feri in the market q3 highlights summary appendix additional information on 9m results contact 3 private finance intelligent concepts for retirement provision insurance coverage investment objectives advice solution target group focus quality of independence 4 one stop lifetime solutions setting up 40 university children 52 65 hobbies travelling 28 31 1st child 34 property 35 2nd 37 inheritance 45 planning health consumption old age non life loan mortgage cash 25 employment added value client 5 attractive framework conditions pension large gaps still exist population high complexity further strain state scheme great need reform demand individualised is