<?xml version="1.0" encoding="utf-8"?>
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.xbrl.org/2003/linkbase">
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/NotesAndMandatoryItems" xlink:href="oberbankag-2020-12-31.xsd#NotesAndMandatoryItems" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/GewinnVerlust" xlink:href="oberbankag-2020-12-31.xsd#GewinnVerlust" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/SonstigesErgebnis" xlink:href="oberbankag-2020-12-31.xsd#SonstigesErgebnis" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/Bilanz" xlink:href="oberbankag-2020-12-31.xsd#Bilanz" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/Eigenkapitalveraenderungsrechnung" xlink:href="oberbankag-2020-12-31.xsd#Eigenkapitalveraenderungsrechnung" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://oberbankag.com/xbrl/2020/roles/Kapitalflussrechnung" xlink:href="oberbankag-2020-12-31.xsd#Kapitalflussrechnung" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/NotesAndMandatoryItems" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfUltimateParentOfGroup" xlink:label="ifrs-full_NameOfUltimateParentOfGroup" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AddressOfRegisteredOfficeOfEntity" xlink:label="ifrs-full_AddressOfRegisteredOfficeOfEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PrincipalPlaceOfBusiness" xlink:label="ifrs-full_PrincipalPlaceOfBusiness" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DomicileOfEntity" xlink:label="ifrs-full_DomicileOfEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LegalFormOfEntity" xlink:label="ifrs-full_LegalFormOfEntity" />
    <loc xlink:type="locator" xlink:href="http://www.esma.europa.eu/taxonomy/2020-03-16/esef_cor.xsd#esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:label="esef_cor_NotesAccountingPoliciesAndMandatoryTags" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" xlink:label="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CountryOfIncorporation" xlink:label="ifrs-full_CountryOfIncorporation" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfParentEntity" xlink:label="ifrs-full_NameOfParentEntity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" xlink:label="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DomicileOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_CountryOfIncorporation" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_PrincipalPlaceOfBusiness" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfParentEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_LegalFormOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfUltimateParentOfGroup" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_AddressOfRegisteredOfficeOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/GewinnVerlust" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungJahresueberschussVorSteuern" xlink:label="oberbankag_VeraenderungJahresueberschussVorSteuern" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZinsenUndAehnlicheAufwendungen" xlink:label="oberbankag_VeraenderungZinsenUndAehnlicheAufwendungen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungRisikovorsorgenImKreditgeschaeft" xlink:label="oberbankag_VeraenderungRisikovorsorgenImKreditgeschaeft" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenAC" xlink:label="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenAC" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZinsergebnis" xlink:label="oberbankag_VeraenderungZinsergebnis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_TradingIncomeExpense" xlink:label="ifrs-full_TradingIncomeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungDavonDenMinderheitsgesellschafternZuzurechnen" xlink:label="oberbankag_VeraenderungDavonDenMinderheitsgesellschafternZuzurechnen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigeZinsertraege" xlink:label="oberbankag_VeraenderungSonstigeZinsertraege" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RevenueFromInterest" xlink:label="ifrs-full_RevenueFromInterest" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungProvisionsaufwendungen" xlink:label="oberbankag_VeraenderungProvisionsaufwendungen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" xlink:label="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeStatementAbstract" xlink:label="ifrs-full_IncomeStatementAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InterestExpense" xlink:label="ifrs-full_InterestExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherOperatingIncomeExpense" xlink:label="ifrs-full_OtherOperatingIncomeExpense" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungProvisionsergebnis" xlink:label="oberbankag_VeraenderungProvisionsergebnis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InterestRevenueExpense" xlink:label="ifrs-full_InterestRevenueExpense" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSteuernVomEinkommenUndErtrag" xlink:label="oberbankag_VeraenderungSteuernVomEinkommenUndErtrag" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZinsenUndAehnlicheErtraege" xlink:label="oberbankag_VeraenderungZinsenUndAehnlicheErtraege" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_SummeSonstigerBetrieblicherErfolg" xlink:label="oberbankag_SummeSonstigerBetrieblicherErfolg" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZinsertraegeNachDerEffektivzinsmethode" xlink:label="oberbankag_VeraenderungZinsertraegeNachDerEffektivzinsmethode" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungProvisionsertraege" xlink:label="oberbankag_VeraenderungProvisionsertraege" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVOCI" xlink:label="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVOCI" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungDavonDenAnteilseignernDesMutterunternehmensUndDenZusaetzlichenEigenkapitalbestandteileignernZuzurechnen" xlink:label="oberbankag_VeraenderungDavonDenAnteilseignernDesMutterunternehmensUndDenZusaetzlichenEigenkapitalbestandteileignernZuzurechnen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungErgebnisAusAtEquityBewertetenUnternehmen" xlink:label="oberbankag_VeraenderungErgebnisAusAtEquityBewertetenUnternehmen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ifrs-full_ProfitLossBeforeTax" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungJahresueberschussNachSteuern" xlink:label="oberbankag_VeraenderungJahresueberschussNachSteuern" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVPL" xlink:label="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVPL" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSummeSonstigerBetrieblicherErfolg" xlink:label="oberbankag_VeraenderungSummeSonstigerBetrieblicherErfolg" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:label="ifrs-full_ProfitLossAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungHandelsergebnis" xlink:label="oberbankag_VeraenderungHandelsergebnis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="ifrs-full_IncomeTaxExpenseContinuingOperations" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigerBetrieblicherErfolg" xlink:label="oberbankag_VeraenderungSonstigerBetrieblicherErfolg" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungVerwaltungsaufwand" xlink:label="oberbankag_VeraenderungVerwaltungsaufwand" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_ErgebnisAusFinanzVermoegenswertenFVOCI" xlink:label="oberbankag_ErgebnisAusFinanzVermoegenswertenFVOCI" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InterestIncomeOnOtherFinancialAssets" xlink:label="ifrs-full_InterestIncomeOnOtherFinancialAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdministrativeExpense" xlink:label="ifrs-full_AdministrativeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:label="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_RevenueFromInterest" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungZinsenUndAehnlicheErtraege" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungZinsertraegeNachDerEffektivzinsmethode" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_InterestIncomeOnOtherFinancialAssets" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungSonstigeZinsertraege" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_InterestExpense" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungZinsenUndAehnlicheAufwendungen" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_InterestRevenueExpense" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungZinsergebnis" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungErgebnisAusAtEquityBewertetenUnternehmen" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungRisikovorsorgenImKreditgeschaeft" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionIncome" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungProvisionsertraege" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionExpense" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungProvisionsaufwendungen" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungProvisionsergebnis" order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_TradingIncomeExpense" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungHandelsergebnis" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_AdministrativeExpense" order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungVerwaltungsaufwand" order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_SummeSonstigerBetrieblicherErfolg" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungSummeSonstigerBetrieblicherErfolg" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVPL" order="42" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_ErgebnisAusFinanzVermoegenswertenFVOCI" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenFVOCI" order="44" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" order="46" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungErgebnisAusFinanzVermoegenswertenAC" order="48" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_OtherOperatingIncomeExpense" order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungSonstigerBetrieblicherErfolg" order="51" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossBeforeTax" order="52" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungJahresueberschussVorSteuern" order="54" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_IncomeTaxExpenseContinuingOperations" order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungSteuernVomEinkommenUndErtrag" order="57" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLoss" order="58" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungJahresueberschussNachSteuern" order="59" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAttributableToOwnersOfParent" order="61" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungDavonDenAnteilseignernDesMutterunternehmensUndDenZusaetzlichenEigenkapitalbestandteileignernZuzurechnen" order="63" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" order="64" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="oberbankag_VeraenderungDavonDenMinderheitsgesellschafternZuzurechnen" order="66" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/SonstigesErgebnis" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" xlink:label="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeAbstract" xlink:label="ifrs-full_OtherComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:label="ifrs-full_StatementOfComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AmountsRemovedFromEquityAndAdjustedAgainstFairValueOfFinancialAssetsOnReclassificationOutOfFairValueThroughOtherComprehensiveIncomeMeasurementCategoryBeforeTax" xlink:label="ifrs-full_AmountsRemovedFromEquityAndAdjustedAgainstFairValueOfFinancialAssetsOnReclassificationOutOfFairValueThroughOtherComprehensiveIncomeMeasurementCategoryBeforeTax" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_Umgliederungsbetraege" xlink:label="oberbankag_Umgliederungsbetraege" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:label="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_ImEigenkapitalErfassteBetraege" xlink:label="oberbankag_ImEigenkapitalErfassteBetraege" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeAbstract" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ProfitLoss" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_AmountsRemovedFromEquityAndAdjustedAgainstFairValueOfFinancialAssetsOnReclassificationOutOfFairValueThroughOtherComprehensiveIncomeMeasurementCategoryBeforeTax" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="oberbankag_ImEigenkapitalErfassteBetraege" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="oberbankag_Umgliederungsbetraege" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationNetOfTax" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncome" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncome" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" order="41" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/Bilanz" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DeferredTaxLiabilities" xlink:label="ifrs-full_DeferredTaxLiabilities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungHandelsaktiva" xlink:label="oberbankag_VeraenderungHandelsaktiva" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherAssets" xlink:label="ifrs-full_OtherAssets" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungForderungenAnKunden" xlink:label="oberbankag_VeraenderungForderungenAnKunden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssets" xlink:label="ifrs-full_FinancialAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DepositsFromCustomers" xlink:label="ifrs-full_DepositsFromCustomers" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfFinancialPositionAbstract" xlink:label="ifrs-full_StatementOfFinancialPositionAbstract" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungVerbindlichkeitengegenueberKreditinstituten" xlink:label="oberbankag_VeraenderungVerbindlichkeitengegenueberKreditinstituten" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_SonstigePassiva" xlink:label="oberbankag_SonstigePassiva" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:label="ifrs-full_InvestmentAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_SonstigeVerbindlichkeitenGegenueberKreditinstituten" xlink:label="oberbankag_SonstigeVerbindlichkeitenGegenueberKreditinstituten" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstige" xlink:label="oberbankag_VeraenderungSonstige" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigeSachanlagen" xlink:label="oberbankag_VeraenderungSonstigeSachanlagen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigeVerbindlichkeitenGegenueberKreditinstituten" xlink:label="oberbankag_VeraenderungSonstigeVerbindlichkeitenGegenueberKreditinstituten" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungNachrangkapital" xlink:label="oberbankag_VeraenderungNachrangkapital" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:label="ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="ifrs-full_LoansAndAdvancesToCustomers" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtAmortisedCost" xlink:label="ifrs-full_FinancialAssetsAtAmortisedCost" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungImmateriellesAnlagevermoegen" xlink:label="oberbankag_VeraenderungImmateriellesAnlagevermoegen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityAttributableToOwnersOfParent" xlink:label="ifrs-full_EquityAttributableToOwnersOfParent" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DerivativeFinancialAssets" xlink:label="ifrs-full_DerivativeFinancialAssets" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungRueckstellungen" xlink:label="oberbankag_VeraenderungRueckstellungen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungalsFinanzinvestitiongehalteneImmobilien" xlink:label="oberbankag_VeraenderungalsFinanzinvestitiongehalteneImmobilien" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungFinanzielleVermoegenswerteFVOCI" xlink:label="oberbankag_VeraenderungFinanzielleVermoegenswerteFVOCI" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_ZweckgewidmeteRefinanzierungenFuerKundenkredite" xlink:label="oberbankag_ZweckgewidmeteRefinanzierungenFuerKundenkredite" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherEquityInterest" xlink:label="ifrs-full_OtherEquityInterest" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungAnteileAnAtEquityUnternehmen" xlink:label="oberbankag_VeraenderungAnteileAnAtEquityUnternehmen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CurrentTaxLiabilities" xlink:label="ifrs-full_CurrentTaxLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherLiabilities" xlink:label="ifrs-full_OtherLiabilities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZweckgewidmeteRefinanzierungenFuerKundenkredite" xlink:label="oberbankag_VeraenderungZweckgewidmeteRefinanzierungenFuerKundenkredite" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungZusaetzlicheEigenkapitalbestandteile" xlink:label="oberbankag_VeraenderungZusaetzlicheEigenkapitalbestandteile" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungForderungenAnKreditinstitute" xlink:label="oberbankag_VeraenderungForderungenAnKreditinstitute" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungNegativeMarktwertevongeschlossenenDerivatendesBankbuches" xlink:label="oberbankag_VeraenderungNegativeMarktwertevongeschlossenenDerivatendesBankbuches" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityAndLiabilities" xlink:label="ifrs-full_EquityAndLiabilities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungEigenanteil" xlink:label="oberbankag_VeraenderungEigenanteil" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_SubordinatedLiabilities" xlink:label="ifrs-full_SubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungFinanzielleVermoegenswerteFVPL" xlink:label="oberbankag_VeraenderungFinanzielleVermoegenswerteFVPL" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungVerbriefteVerbindlichkeiten" xlink:label="oberbankag_VeraenderungVerbriefteVerbindlichkeiten" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DeferredTaxAssets" xlink:label="ifrs-full_DeferredTaxAssets" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungLatenteSteuerschulden" xlink:label="oberbankag_VeraenderungLatenteSteuerschulden" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSteuerschulden" xlink:label="oberbankag_VeraenderungSteuerschulden" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungFinanzanlagen" xlink:label="oberbankag_VeraenderungFinanzanlagen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherPropertyPlantAndEquipment" xlink:label="ifrs-full_OtherPropertyPlantAndEquipment" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Provisions" xlink:label="ifrs-full_Provisions" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungVerbindlichkeitenGegenueberKunden" xlink:label="oberbankag_VeraenderungVerbindlichkeitenGegenueberKunden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:label="ifrs-full_DerivativeFinancialAssetsHeldForTrading" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_SonstigeAktiva" xlink:label="oberbankag_SonstigeAktiva" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungBarreserve" xlink:label="oberbankag_VeraenderungBarreserve" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraendeungLaufendeSteuerschulden" xlink:label="oberbankag_VeraendeungLaufendeSteuerschulden" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungHandelspassiva" xlink:label="oberbankag_VeraenderungHandelspassiva" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigeAktiva" xlink:label="oberbankag_VeraenderungSonstigeAktiva" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DepositsFromBanks" xlink:label="ifrs-full_DepositsFromBanks" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_BondsIssued" xlink:label="ifrs-full_BondsIssued" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSummePassiva" xlink:label="oberbankag_VeraenderungSummePassiva" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSummeAktiva" xlink:label="oberbankag_VeraenderungSummeAktiva" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungLatenteSteueransprüche" xlink:label="oberbankag_VeraenderungLatenteSteueransprüche" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DerivativeFinancialLiabilities" xlink:label="ifrs-full_DerivativeFinancialLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Assets" xlink:label="ifrs-full_Assets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NoncontrollingInterests" xlink:label="ifrs-full_NoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungPositiveMarktwertevongeschlossenenDerivatendesBankbuchs" xlink:label="oberbankag_VeraenderungPositiveMarktwertevongeschlossenenDerivatendesBankbuchs" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigeSchulden" xlink:label="oberbankag_VeraenderungSonstigeSchulden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:label="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungAnteilenichtbeherrschenderGesellschafter" xlink:label="oberbankag_VeraenderungAnteilenichtbeherrschenderGesellschafter" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSachanlagen" xlink:label="oberbankag_VeraenderungSachanlagen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_Steuerschulden" xlink:label="oberbankag_Steuerschulden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="ifrs-full_LoansAndAdvancesToBanks" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungEigenkapital" xlink:label="oberbankag_VeraenderungEigenkapital" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_InvestmentProperty" xlink:label="ifrs-full_InvestmentProperty" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungFinanzielleVermoegenswerteAC" xlink:label="oberbankag_VeraenderungFinanzielleVermoegenswerteAC" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PropertyPlantAndEquipment" xlink:label="ifrs-full_PropertyPlantAndEquipment" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_VeraenderungSonstigePassiva" xlink:label="oberbankag_VeraenderungSonstigePassiva" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_CashAndBankBalancesAtCentralBanks" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungBarreserve" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_LoansAndAdvancesToBanks" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungForderungenAnKreditinstitute" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_LoansAndAdvancesToCustomers" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungForderungenAnKunden" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DerivativeFinancialAssetsHeldForTrading" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungHandelsaktiva" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssets" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungFinanzanlagen" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungFinanzielleVermoegenswerteFVPL" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungFinanzielleVermoegenswerteFVOCI" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialAssetsAtAmortisedCost" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungFinanzielleVermoegenswerteAC" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_InvestmentAccountedForUsingEquityMethod" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungAnteileAnAtEquityUnternehmen" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_IntangibleAssetsAndGoodwill" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungImmateriellesAnlagevermoegen" order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_PropertyPlantAndEquipment" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSachanlagen" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_InvestmentProperty" order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungalsFinanzinvestitiongehalteneImmobilien" order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherPropertyPlantAndEquipment" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstigeSachanlagen" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_SonstigeAktiva" order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstigeAktiva" order="42" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DeferredTaxAssets" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungLatenteSteueransprüche" order="45" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DerivativeFinancialAssets" order="46" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungPositiveMarktwertevongeschlossenenDerivatendesBankbuchs" order="48" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherAssets" order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstige" order="51" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_Assets" order="52" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSummeAktiva" order="54" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DepositsFromBanks" order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungVerbindlichkeitengegenueberKreditinstituten" order="57" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_ZweckgewidmeteRefinanzierungenFuerKundenkredite" order="58" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungZweckgewidmeteRefinanzierungenFuerKundenkredite" order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_SonstigeVerbindlichkeitenGegenueberKreditinstituten" order="61" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstigeVerbindlichkeitenGegenueberKreditinstituten" order="63" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DepositsFromCustomers" order="64" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungVerbindlichkeitenGegenueberKunden" order="66" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_BondsIssued" order="67" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungVerbriefteVerbindlichkeiten" order="69" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_Provisions" order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungRueckstellungen" order="72" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_SonstigePassiva" order="73" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstigePassiva" order="75" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" order="76" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungHandelspassiva" order="78" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_Steuerschulden" order="79" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSteuerschulden" order="81" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_CurrentTaxLiabilities" order="82" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraendeungLaufendeSteuerschulden" order="84" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DeferredTaxLiabilities" order="85" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungLatenteSteuerschulden" order="87" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_DerivativeFinancialLiabilities" order="88" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungNegativeMarktwertevongeschlossenenDerivatendesBankbuches" order="90" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherLiabilities" order="91" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSonstigeSchulden" order="93" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_SubordinatedLiabilities" order="94" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungNachrangkapital" order="96" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_Equity" order="97" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungEigenkapital" order="99" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_EquityAttributableToOwnersOfParent" order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungEigenanteil" order="102" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_NoncontrollingInterests" order="103" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungAnteilenichtbeherrschenderGesellschafter" order="105" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_OtherEquityInterest" order="106" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungZusaetzlicheEigenkapitalbestandteile" order="108" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_EquityAndLiabilities" order="109" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="oberbankag_VeraenderungSummePassiva" order="111" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/Eigenkapitalveraenderungsrechnung" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReserveOfExchangeDifferencesOnTranslationMember" xlink:label="ifrs-full_ReserveOfExchangeDifferencesOnTranslationMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember" xlink:label="ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityAbstract" xlink:label="ifrs-full_StatementOfChangesInEquityAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DividendsPaid" xlink:label="ifrs-full_DividendsPaid" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlansMember" xlink:label="ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlansMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:label="ifrs-full_EquityAttributableToOwnersOfParentMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstrumentsMember" xlink:label="ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstrumentsMember" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_AssoziirteUnternehmenMember" xlink:label="oberbankag_AssoziirteUnternehmenMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PaymentsOfOtherEquityInstruments" xlink:label="ifrs-full_PaymentsOfOtherEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" xlink:label="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RetainedEarningsMember" xlink:label="ifrs-full_RetainedEarningsMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IssuedCapitalMember" xlink:label="ifrs-full_IssuedCapitalMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:label="ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" xlink:label="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_NoncontrollingInterestsMember" xlink:label="ifrs-full_NoncontrollingInterestsMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ComponentsOfEquityAxis" xlink:label="ifrs-full_ComponentsOfEquityAxis" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherEquityInterestMember" xlink:label="ifrs-full_OtherEquityInterestMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdditionalPaidinCapitalMember" xlink:label="ifrs-full_AdditionalPaidinCapitalMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityTable" xlink:label="ifrs-full_StatementOfChangesInEquityTable" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EquityMember" xlink:label="ifrs-full_EquityMember" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfChangesInEquityLineItems" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityTable" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_ComponentsOfEquityAxis" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComponentsOfEquityAxis" xlink:to="ifrs-full_EquityMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_AdditionalPaidinCapitalMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="oberbankag_AssoziirteUnternehmenMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_EquityAttributableToOwnersOfParentMember" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_IssuedCapitalMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_RetainedEarningsMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_ReserveOfExchangeDifferencesOnTranslationMember" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstrumentsMember" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlansMember" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAttributableToOwnersOfParentMember" xlink:to="ifrs-full_OtherEquityInterestMember" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_NoncontrollingInterestsMember" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityLineItems" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_Equity" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_ComprehensiveIncome" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_ProfitLoss" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_OtherComprehensiveIncome" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_DividendsPaid" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_PaymentsOfOtherEquityInstruments" order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" order="47" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://oberbankag.com/xbrl/2020/roles/Kapitalflussrechnung" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_AnderePassivaAusOperativerGeschaeftstaetigkeit" xlink:label="oberbankag_AnderePassivaAusOperativerGeschaeftstaetigkeit" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_OtherMaterialNoncashItems" xlink:label="ifrs-full_OtherMaterialNoncashItems" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_GewinneundVerlusteausderVeräußerungvonFinanzanlagenSachanlagenundImmateriellenVermoegensgegenstaenden" xlink:label="oberbankag_GewinneundVerlusteausderVeräußerungvonFinanzanlagenSachanlagenundImmateriellenVermoegensgegenstaenden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="ifrs-full_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromIssuingShares" xlink:label="ifrs-full_ProceedsFromIssuingShares" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_GezahlteZinsen" xlink:label="oberbankag_GezahlteZinsen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromIssuingOtherEquityInstruments" xlink:label="ifrs-full_ProceedsFromIssuingOtherEquityInstruments" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:label="ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="ifrs-full_StatementOfCashFlowsAbstract" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" xlink:label="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" xlink:label="ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:label="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PaymentsOfOtherEquityInstruments" xlink:label="ifrs-full_PaymentsOfOtherEquityInstruments" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_EffekteAusDerAenderungVonKonsolidierungskreisUndBewertungen" xlink:label="oberbankag_EffekteAusDerAenderungVonKonsolidierungskreisUndBewertungen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherCurrentAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherCurrentAssets" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_Ertragsteuerzahlungen" xlink:label="oberbankag_Ertragsteuerzahlungen" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_ErhalteneZinsen" xlink:label="oberbankag_ErhalteneZinsen" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:label="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_RepaymentsOfBorrowingsClassifiedAsFinancingActivities" xlink:label="ifrs-full_RepaymentsOfBorrowingsClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_Zwischensumme" xlink:label="oberbankag_Zwischensumme" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_AdjustmentsForProvisions" xlink:label="ifrs-full_AdjustmentsForProvisions" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" xlink:label="ifrs-full_PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="oberbankag-2020-12-31.xsd#oberbankag_ErhalteneDividenden" xlink:label="oberbankag_ErhalteneDividenden" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2020-03-16/full_ifrs/full_ifrs-cor_2020-03-16.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents_Standard" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProfitLoss" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForProvisions" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_OtherMaterialNoncashItems" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_GewinneundVerlusteausderVeräußerungvonFinanzanlagenSachanlagenundImmateriellenVermoegensgegenstaenden" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_Zwischensumme" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInDerivativeFinancialAssets" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherCurrentAssets" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_AnderePassivaAusOperativerGeschaeftstaetigkeit" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivities" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivities" order="41" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromIssuingShares" order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" order="45" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_PaymentsOfOtherEquityInstruments" order="47" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProceedsFromIssuingOtherEquityInstruments" order="51" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_RepaymentsOfSubordinatedLiabilities" order="53" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_RepaymentsOfBorrowingsClassifiedAsFinancingActivities" order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivities" order="57" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents" order="59" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_EffekteAusDerAenderungVonKonsolidierungskreisUndBewertungen" order="67" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" order="69" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents_Standard" order="71" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_ErhalteneZinsen" order="73" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_ErhalteneDividenden" order="75" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_GezahlteZinsen" order="77" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="oberbankag_Ertragsteuerzahlungen" order="81" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
</linkbase>