Siemens Financial Services

Siemens Financial Services (SFS) is the business‑to‑business financing arm of Siemens, organized around Siemens Financial Services GmbH and a network of specialized financing entities including Siemens Finance & Leasing GmbH, Siemens Bank GmbH and Siemens Financieringsmaatschappij N.V. Headquartered in Munich, it operates in more than 20 countries and reports within the Siemens Group as a separate segment whose performance is measured primarily by return on equity after tax. In fiscal 2025 SFS reported a 17% ROE, earnings before tax of €622 million, total assets of €33.1 billion and a workforce of about 2,700 employees, while other corporate materials describe a global team of over 3,000 finance specialists. SFS provides a broad spectrum of debt and equity financing for Siemens customers and external clients, particularly in markets served by Siemens such as energy, transportation, healthcare, manufacturing and critical infrastructure. Its portfolio spans equipment and technology finance, leasing, vendor finance, working‑capital solutions, project and infrastructure finance, corporate lending and equity investments, complemented by financial advisory and risk‑management support to Siemens’ industrial businesses. Siemens Bank extends this range with mid‑ to long‑term investment and project loans, extended payment terms, deposit business and risk‑management services focused on energy generation and distribution, transportation and infrastructure, healthcare and industry. SFS plays a central role in enabling the energy transition and digital transformation by financing projects in industrial productivity, smart infrastructure, sustainable mobility, renewables integration, smart buildings and healthcare. Its solutions are positioned as an alternative to traditional bank funding, including managed service and extended‑payment structures that align cash flows with savings or project revenues, and it supports Siemens in co‑developing new digital business models and assessing project and business‑model risk profiles.